Happy New Year 2013

New Year is the time to visit our relatives and friends
To warm up relations and strengthen friendship
Wishing you a New Year with fun and party
With relatives and friends
Happy New Year

 

 

 

LANGUAGE	TRANSLATION
AFRIKAANS	gelukkige nuwejaar / voorspoedige nuwejaar
AKPOSSO	ilufio ètussé
ALBANIAN	Gëzuar vitin e ri
ALSATIAN	e glëckliches nëies / güets nëies johr
ARABIC	عام سعيد (aam saiid) / sana saiida
ARMENIAN	shnorhavor nor tari
ATIKAMEKW	amokitanone
AZERI	yeni iliniz mübarək
BAMBARA	aw ni san'kura / bonne année
BASAA	mbuee
BASQUE	urte berri on
BELARUSIAN	З новым годам (Z novym hodam)
BENGALI	subho nababarsho
BERBER	asgwas amegas
BETI	mbembe mbu
BOBO	bonne année
BOSNIAN	sretna nova godina
BRETON	bloavezh mat / bloavez mad
BULGARIAN	честита нова година (chestita nova godina)
BURMESE	hnit thit ku mingalar pa
CANTONESE	sun lin fi lok / kung hé fat tsoi
CATALAN	bon any nou
CHINESE (MANDARIN)	新年快了 (xin nian kuai le) / 新年好 (xin nian hao)
CORNISH	bledhen nowedh da
CORSICAN	pace è salute
CROATIAN	sretna nova godina
CZECH	šťastný nový rok
DANISH	godt nytår
DARI	sale naw tabrik
DUALA	mbu mwa bwam
DUTCH	gelukkig nieuwjaar
ENGLISH	happy new year
ESPERANTO	feliĉan novan jaron
ESTONIAN	head uut aastat
EWE	eƒé bé dzogbenyui nami
EWONDO	mbembe mbu
FAROESE	gott nýggjár
FINNISH	onnellista uutta vuotta
FLEMISH	gelukkig nieuwjaar
FRENCH	bonne année
FRISIAN	lokkich neijier
FRIULAN	bon an
FULA	dioul mo wouri
GALICIAN	feliz aninovo
GEORGIAN	გილოცავთ ახალ წელს (gilocavt akhal tsels)
GERMAN	Frohes neues Jahr / prost Neujahr
GREEK	Καλή Χρονιά (kali chronia / kali xronia) / Ευτυχισμένος ο Καινούριος Χρόνος (eutichismenos o kainourgios chronos)
GUJARATI	sal mubarak / nootan varshabhinandan
GUARANÍ	rogüerohory año nuévo-re
HAITIAN CREOLE	bònn ané
HAOUSSA	barka da sabuwar shekara
HAWAIIAN	hauoli makahiki hou
HEBREW	שנה טובה (shana tova)
HERERO	ombura ombe ombua
HINDI	nav varsh ki subhkamna
HMONG	nyob zoo xyoo tshiab
HUNGARIAN	boldog új évet
ICELANDIC	gleðilegt nýtt ár
IGBO	obi anuri nke afor ohuru
INDONESIAN	selamat tahun baru
IRISH GAELIC	ath bhliain faoi mhaise
ITALIAN	felice anno nuovo / buon anno
JAVANESE	sugeng warsa enggal
JAPANESE	あけまして　おめでとう　ございます (akemashite omedetô gozaimasu)
KABYLIAN	asseggas ameggaz
KANNADA	hosa varshada shubhaashayagalu
KASHMIRI	nav reh mubarakh
KAZAKH	zhana zhiliniz kutti bolsin
KHMER	sur sdei chhnam thmei
KIEMBU	ngethi cya mwaka mweru
KINYARWANDA	umwaka mwiza
KIRUNDI	umwaka mwiza
KOREAN	새해 복 많이 받으세요 (seh heh bok mani bat uh seyo)
KURDE	sala we ya nû pîroz be
KWANGALI	mvhura zompe zongwa
LAO	sabai di pi mai
LATIN	felix sit annus novus
LATVIAN	laimīgu Jauno gadu
LIGURIAN	bón ànno nêuvo
LINGALA	bonana / mbúla ya sika elámu na tombelí yɔ̌
LITHUANIAN	laimingų Naujųjų Metų
LOW SAXON	gelükkig nyjaar
LUXEMBOURGEOIS	e gudd neit Joër
MACEDONIAN	Среќна Нова Година (srekna nova godina)
MALAGASY	arahaba tratry ny taona
MALAY	selamat tahun baru
MALAYALAM	nava varsha ashamshagal
MALTESE	is-sena t-tajba
MANGAREVAN	kia porotu te ano ou
MAORI	kia hari te tau hou
MARATHI	navin varshaachya hardik shubbheccha
MARQUISIAN	kaoha nui tenei ehua hou
MOHAWK	ose:rase
MONGOLIAN	Шинэ жилийн баярын мэнд хvргэе (shine jiliin bayariin mend hurgeye)
MORÉ	wênd na kô-d yuum-songo
NDEBELE	umyaka omucha omuhle
NGOMBALE	ngeu' shwi pong mbeo paghe
NORWEGIAN	godt nyttår
OCCITAN	bon annada
ORIYA	subha nababarsa / naba barsara hardika abhinandan
OURDOU	naya sar Mubarak
PAPIAMENTU	bon anja / felis anja nobo
PASHTO	nawe kaalmo mobarak sha
PERSIAN	سال نو مبارک (sâle no mobârak)
POLISH	szczęśliwego nowego roku
PORTUGUESE	feliz ano novo
PUNJABI	ਨਵੇਂ ਸਾਲ ਦੀਆਂ ਵਧਾਈਆਂ (nave saal deeyan vadhaiyaan)
ROMANCHE	bun di bun onn
ROMANI	baxtalo nevo bersh
ROMANIAN	un an nou fericit / la mulţi ani
RUSSIAN	С Новым Годом (S novim godom)
SAMOAN	ia manuia le tausaga fou
SANGO	nzoni fini ngou
SARDINIAN	bonu annu nou
SCOTTISH GAELIC	bliadhna mhath ur
SERBIAN	srećna nova godina / Срећна нова година
SHIMAORE	mwaha mwema
SHONA	goredzva rakanaka
SINDHI	nain saal joon wadhayoon
SINHALESE	ශුභ අළුත් අවුරුද්දක් වේවා (shubha aluth awuruddak weiwa)
SLOVAK	šťastný nový rok
SLOVENIAN	srečno novo leto
SOBOTA	dobir leto
SOMALI	sanad wanagsan
SPANISH	feliz año nuevo
SRANAN	wan bun nyun yari
SWAHILI	mwaka mzuri / heri ya mwaka mpya
SWEDISH	gott nytt år
SWISS-GERMAN	es guets Nöis
TAGALOG	manigong bagong taon
TAHITIAN	ia orana i te matahiti api
TAMAZIGHT	assugas amegaz
TAMIL	இனிய புத்தாண்டு நல்வாழ்த்துக்கள் (iniya puthandu nal Vazhthukkal)
TATAR	yaña yıl belän
TELUGU	నూతన సంవత్శర శుభాకాంక్షలు (nuthana samvathsara subhakankshalu)
THAI	สวัสดีปีใหม่ (sawatdii pimaï)
TIBETAN	tashi delek / losar tashi delek
TIGRE	sanat farah wa khare
TSHILUBA	tshidimu tshilenga
TSWANA	itumelele ngwaga o mosha
TULU	posa varshada shubashaya
TURKISH	yeni yılınız kutlu olsun
TWENTS	gluk in'n tuk
UDMURT	Vyľ Aren
UKRAINIAN	Щасливого Нового Року / З Новим роком (Z novym rokom)
URDU	naya sal mubarak
UZBEK	yangi yilingiz qutlug' bo'lsin
VIETNAMESE	Chúc Mừng Nǎm Mới / Cung Chúc Tân Niên / Cung Chúc Tân Xuân
WALOON	ene boune anéye, ene boune sintéye
WALOON ("betchfessîs" spelling)	bone annéye / bone annéye èt bone santéye
WELSH	blwyddyn newydd dda
WEST INDIAN CREOLE	bon lanné
WOLOF	dewenati
XHOSA	nyak'omtsha
YIDDISH	a gut yohr
ZULU	unyaka omusha omuhle

Source: www.freelang.net

 

Are you Saving Enough for Retirement? Check Out This Rule of Thumb

Are your retirement savings enough to live comfortably during your golden years? The March edition of Money Magazine has some guidelines to help you answer that $64,000 question. Before we get to the guidelines, it is important to understand that they are built on a number of assumptions. 

Read More .The article is written by Rob Berger

Is your cheque book CTS compliant?

Source: Myiris

Your old cheque leaves may not be valid after Dec. 31, 2012, as the RBI has instructed all banks to implement the Cheque Truncation System (CTS) across the country. This calls for your immediate action to make sure that your cheque book is CTS compliant.

 

What CTS is

 

Under the CTS system, the physical movement of cheques between banks will be eliminated.

 

Normally, when you issue a cheque to someone, he presents the cheque in his bank to get the credit.

 

The cheque then moves physically from his bank to your bank which involves a lot of time and risk. RBI recognised the disadvantages of this old system and brought about CTS, where instead of the physical movement of the cheque, an electronic image of the cheque is transmitted to the drawee branch.

 

The presenting bank (which is the bank of the person to whom you had issued the cheque to) retains the physical cheque.

 

Along with the electronic image, certain key relevant information is also transmitted, such as date of presentation, presenting bank details, data on the MICR band.

 

Features

 

The CTS-2010 is not just a change in the process of cheque clearing. The change in the system is apparent even on the cheque leaf you use.

 

A CTS compliant cheque leaf is different from a normal cheque leaf you currently use, and has certain distinct features.

 

Cheque printer details: This is printed on the extreme left hand side of the cheque.

 

The printer details along with the words 'CTS-2010' is mentioned along the area where you tear off the leaf from the cheque book.

 

Rupee symbol: The new symbol of the Indian rupee is printed beside the area where the amount in figures needs to be written.

 

Details of the bank and its logo: The bank details and its logo are printed on the face of the cheque. However, it is printed in invisible ink.

 

Signature space indicator: The words 'please sign above' are mentioned indicating the space where you will need to sign the cheque.

 

VOID pantograph: This is a wavelike design, which is visible to the naked eye and seen below the area where the account number is printed.

 

CTS-compliant cheques are safer than old cheques.

 

Benefits

 

The scope for committing frauds is greatly reduced due to the various security checks in place. The CTS helps in speedy clearance of cheques resulting in faster credit to your account. This is because there is no physical movement of cheques and hence time is saved. Further, the absence of physical movement also eliminates the risk of loss of cheque in transit. The different locations are proposed to be integrated under this system in order to cut geographical restrictions in cheque clearing.

 

You must first ensure that you use only CTS-2010 compliant cheque leaves from January 1, 2013. You can check if you hold a CTS compliant cheque book by verifying if the cheque leaves have the features mentioned above. You need to apply in your bank for the same and it is available free of cost.

 

If you have any unused cheque leaves with you, these must be surrendered in your bank. Another critical area to take note of is that you must exchange any old post-dated cheques you may have given to anyone, which are dated after Jan. 1, 2013, with new CTS-compliant cheques immediately. These may include post-dated cheques given for your home loan or auto loan too. RBI has advised to preferably use dark coloured ink while writing CTS cheques.

 

(The writer Adhil Shetty is CEO, BankBazaar.com)

 

How to use the internet to make money

Check out how ET highlights some popular ways to make that quick extra buck: Click here

 

Are you saving enough for retirement

Are your retirement savings enough to live comfortably during your golden years? 

Check out retirement calculator by Myiris.com

Invest 1 Crore Rupees to Get 20% Return?

Check Asav Patel's article on how to Invest 1 Crore Rupees to Get 20% Return?

SBI - The revised interest rates for Domestic Term Deposits

Below Rupees One Crore’ effective from the 7^th September 2012

would be as under:                                    

All figures in % per annum)

Tenor	Below Rs.15 Lakhs		Rs.15 lakhs to less than Rs. 1 Cr
	Existing Rates w.e.f. 07.08.2012	Revised rates w.e.f. 07.09.2012	Existing Rates w.e.f. 07.08.2012	Revised rates w.e.f. 07.09.2012
7 days to 90 days	7.00	6.50	8.00	7.50
91 days to 179 days	7.00	6.50	8.00	7.50
180 days	7.00	6.50	8.00	7.50
181 days to 240 days	7.25	6.50	8.00	7.50
241 days to less than 1 year	7.50	6.50	8.00	7.50
1 year to less than 2 years	9.00	8.50	9.00	8.50
2 years to less than 3 years	9.00	8.50	9.00	8.50
3 years to less than 5 years	9.00	8.50	9.00	8.50
5 years and up to 10 years	8.50	8.50	8.50	8.50

 

Visit SBI website for more details

Warren Buffett

Warren Edward Buffett is an American business magnate, investor, and philanthropist. He is widely considered the most successful investor of the 20th century.
 
Check out article on Equitymaster on Warren Buffett. 

Read more

Basis of Allotment in IPO's

Article on Explaining Basis of Allotment in IPO's by Shiv Kurkreja on One Mint

Read More

Impact of Trail commission on your Mutual Fund Returns

Check out an article on how does trail commission impact Mutual funds.

Read More

Five Factors that cause impulse buying

A large part of all purchases are attributed to impulse buying, this is undoubtedly good for retailers, but it’s not as good for consumers. Check out the article ,click on read more ,to check the article

Read More 

Differrence between savings & investing

Check out the difference between saving and investing ,explained by Asav Patel of http://www.myjourneytobillionaireclub.com/ .

 

Savings means you Save the money at the end of the month after deducting all the expenses.

While Investing means making your money work for you so that it can multiply.

In Professional language, Investing means acquiring assest out of your money. Assets appreciate in its value over the time and make u rich and financially free.

Investment is the game of making money out of money. But if you never save your money, you will never invest it and thus u can never b financially free and rich.

 

 

Cyrus Pallonji Mistry

Cyrus Pallonji Mistry (born 4 July 1968) is the youngest son of Irish construction magnate Pallonji Mistry. Mistry has been appointed as the Chaiman of the Board of Tata Sons (Tata Group) with effect from December 28 2012, after the retirement of Ratan Tata ,Mistry will be the sixth Chairman of the group and the second not named Tata after Sir Nowroji Saklatvala.Apart from the Tata Group, he also serves as a Director on the Board of several other companies, including Shapoorji Pallonji & Co.,Forbes Gokak, Afcons Infrastructure and United Motors (India).

Other Articles: Ratan Tata to retire tomorrow, Cyrus Mistry to succeed him

 

Brokerage views on top 10 stocks to be bought in 2013

ET.com (Economic Times) spoke to some brokerages for stocks that are likely to outperform peers in the year 2013. Click here to view the list of stocks recommended by brokerage houses

Understand how to plan for kids future.

Nice Article on Child plans by Mr Hemant on his blog :
Click on Child Plan for details.

Cibil transunion score 2.0

The new methodology being used by Cibil to calculate the credit score, called the Cibil Transunion Score 2.0. Check out economic times article on Smart things to know, Cibil transunion score 2.0

Mutual funds Common Myths

Lets see some of the common myths associated with mutual funds

Read More

 

Advantages and Disadvantages of Mutual Funds

Check out the artical on advantages and disadvantages of mutual funds

Read More

Stocks from sectors that could outperform peers in 2013

Check out an article from economictimes today on stocks from sectors which could outperfom in 2013.

Read More

 

Introduction to Mutual funds

What are Mutual Funds ?

The first thing to understand is that mutual funds are investment vehicles, and that simply means that investors pool their money together and then the mutual fund invests that money on their behalf.

 

Read more

ISIN - what does it mean

ISIN or International Securities Identification Number is a 12 character alpha-numeric code that uniquely identifies a security, across the world.

http://the-finance-blog.blogspot.in/2010/06/what-is-isin.html

Post Office - Savings Account

 

Post Office - Savings Account

Any individual can open an account.

Cheque facility available.

Group Account, Institutional Account, other Accounts like Security Deposit account & Official Capacity account are not permissible

Rate of interest 4% per annum

Interest Calculator 

Direct plans likely to bring down costs for Mutual Fund Investor

Direct plans likely to bring down costs for Mutual Fund Investor

Click here

How do they make money....

Check out how do online portals like youtube,Google,linkdel,etc generate revenue from there portals..

Check the link which gives answer to your questions.

http://rcs.seerinteractive.com/money/
 

Economic Times Article - RBI keeps key rates unchanged: Time to invest in bank deposits?

The Reserve Bank of India (RBI) has kept the key rates unchanged in the monetary policy review announced on 18th Dec 2012. Is it the rigth time to invest in Bank Deposits ...

Read More

Book - Rich Dad Poor Dad

Rich Dad Poor Dad is a book by Robert Kiyosaki. It advocates financial independence through investing, real estate, owning businesses, and increasing one's financial intelligence.
Rich Dad Poor Dad is written in the style of a set of parables, ostensibly based on Kiyosaki's life. Kiyosaki stresses the ownership of high value assets, rather than being an employee as a recurring theme in the book's chapters.

Summary:

The book is largely based on Kiyosaki's upbringing and education in Hawaii. It highlights the different attitudes to money, work and life of two men (i.e. his titular "rich dad" and "poor dad"), and how they in turn influenced key decisions in Kiyosaki's life.
Among some of the book's topics are:

• Robert Kiyosaki's personal story
• The difference between assets and liabilities
• What the rich teach their kids about money that the poor and middle class do not
• The idea that your house is not an asset, unless you are using it to produce revenue
• The value of financial intelligence and financial literacy
• How corporations spend first, then pay taxes, while individuals must pay taxes first
• How corporations are artificial entities that anyone can use, but the poor usually do not know how
• The importance of investing and entrepreneurship

Kiyosaki advocated Dr. Buckminster Fuller's views on wealth, that wealth is measured by the number of days the income from your assets can sustain you, and financial independence is achieved when your monthly income from assets exceeds your monthly expenses.