Bank deposit – not so bankable
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The document discusses financial awareness and bank deposits in India. It provides the history of deposit insurance limits in India since 1968, which have increased over time from Rs. 5,000 to the current limit of Rs. 1,00,000 per depositor. It aims to dispel the myth that all bank deposits are fully safe, as only the first Rs. 1,00,000 per depositor is insured by the Deposit Insurance and Credit Guarantee Corporation. The document encourages financial awareness and understanding insurance limits on bank deposits.
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Bank deposit – not bankable
The document discusses promoting financial awareness by debunking the myth that all bank deposits are fully safe. It provides the history of deposit insurance limits in India, noting the current limit is Rs. 1,00,000 (Rupees One Lakh) per depositor. The reality is that only deposits up to Rs. 1,00,000 for both principal and interest are insured by the government, making larger deposits not fully safe if the bank fails. Links are provided to websites with more information on deposit insurance in India.
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Believe it or not investment gave return 1050 times in 58 yearsBiswajit Das. "Relationship Beyond Advising."
The document discusses an iconic property in Mumbai that was purchased in 1957 for 18 lakh rupees and recently sold for 750 crore rupees. While this represents a 4,000 times increase in value over 58 years, when accounting for inflation the annual growth rate of the property was 15.45%, which is a reasonable return but not astronomical.Can you imagine 1 lakh become 2.96 cr?
This document promotes financial awareness and goal planning by analyzing the historical returns of various investment options in India from 1979 to 2017. It shows that investing 100,000 in the stock market index Sensex would have grown to over 29.6 million after adjusting for inflation, far outpacing similar investments in fixed deposits, public provident fund, gold, or the employees' provident fund. The document advocates for financial planning and investing to achieve long-term goals.
Long term wealth creation through equity investment
The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.
Thank u
An initiative to promote financial awareness saw over 21,000 views in May. The author thanks well-wishers for viewing posts on different financial topics. He requests suggestions on other topics that could make the awareness program more meaningful.
Take the advantage of lower interest rate
An initiative aims to promote financial awareness by helping people take advantage of lower interest rates for existing housing and personal loans. The initiative offers free doorstep service across India with no processing fees for housing loan balance transfers until July 31, 2017. The goal is to help people benefit from lower interest rates through housing and personal loan balance transfers.
Equity is risky not investing in equity is risky - 2
The document promotes a financial awareness initiative by Biswajit Das, a diploma holder in wealth management. The initiative aims to educate people about basic financial concepts like job, income, investment, return, expenses, consumption, supply, demand, and manufacturing. It argues that investing in equities is not inherently risky and that not investing in equities to multiply wealth through economic development is actually the riskiest option.
Financial literacy in india very low
An initiative aims to promote financial awareness in India by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. Das provides his contact information including phone number, email, and social media links to discuss financial literacy and advising, as financial literacy is currently very low in India according to a study.
Real estate – real fact 2
An initiative aims to promote financial awareness by providing education on wealth management and goal planning. It is led by Biswajit Das, who has a diploma in wealth management and works as a goal planning specialist. The initiative focuses on building relationships and advising clients beyond just transactions.
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealthBiswajit Das. "Relationship Beyond Advising."
The document discusses predictions from Citi Group, PWC, Goldman Sachs, and HSBC that China will have the largest economy in 2050, followed by India and the US. It notes that 200 years ago in 1820, India had the second largest economy in the world after China, while the US economy was only 2% of the world's GDP. In 1700, India's GDP was almost 9 times larger than Britain's GDP, and just before Indian independence in 1947, Britain's GDP became 1.2 times larger than India's GDP.Money management – Emotion management
An initiative aims to promote financial awareness by emphasizing that people often make emotional, rather than rational, decisions about managing their money. While many believe they can manage their finances without professional help, most individuals actually take emotional decisions about money most of the time. Managing money effectively requires managing emotions as well.
Impulsive buying is dangerous – control it
Biswajit Das is a goal planning specialist who received his diploma in wealth management from IIFP Delhi. He is promoting financial awareness through initiatives on controlling impulsive buying and maintaining relationships beyond advising. His contact information is provided for those seeking advising on wealth management or goal planning.
Gold – not glittering
The gold price crashed internationally three times from 1980 to 1999, falling from $850 per ounce to $252 per ounce. During this period, the Indian rupee weakened six times against the US dollar, causing the Indian gold price to rise three times in rupees from Rs. 1,159 to Rs. 4,474. However, few Indians now understand that gold prices can fall due to increased financial awareness. Indians currently hold around 20,000 tons of gold worth around $1 trillion, but gold is considered a non-productive asset. The myth that gold prices never fall is untrue.
Every goals have time horizon & priority
This document outlines an initiative to promote financial awareness by Biswajit Das, who has a diploma in wealth management from IIFP Delhi and is a goal planning specialist at EDGE Learning Academy. It provides contact information for Biswajit Das including his phone number, email, and links to his LinkedIn, Twitter, and Facebook profiles.
Equity is risky - Not investing in equity is risky
The document promotes financial awareness by debunking the myth that equity markets are always risky. It notes that over the past 37 years, an investment of Rs. 100,000 in the Indian stock market would have grown to Rs. 2,53,42,000, showing the long-term potential of equity investing in India's growing economy despite short-term volatility. Contact information is provided for Biswajit Das, a financial advisor who specializes in wealth management and goal planning.
Equity is risky - Not investing in equity is risky
An initiative aims to promote financial awareness by addressing the myth that equity markets are always risky. The reality is that the Indian equity market has historically generated strong returns that have outpaced inflation rates. Investing in the growing Indian economy through the stock market can yield high returns over the long run.
Build your own pyramid - The financial pyramid
The document outlines The Financial Pyramid which provides a framework for managing personal finances in an ideal order. The pyramid's foundation consists of establishing an emergency fund and purchasing insurance for protection. The next level involves paying down debt and evaluating one's net worth, cash flow, and risk tolerance. Goals and investments that grow savings should be the focus above the foundation, with riskier investments limited until secure. The pyramid promotes a balanced approach to finances through establishing security before pursuing returns.
Last 37 years return & Inflation data
This document compares the returns of various long-term investment options in India from 1979 to 2016, including LIC fixed deposits, Public Provident Fund, Employees' Provident Fund, gold, and the Sensex stock market index. It finds that the Sensex significantly outperformed other options in terms of both pre-inflation and post-inflation returns over the 37-year period, returning over 16% annually before inflation and nearly 9% after inflation. Gold and EPF provided the next highest returns.
Life’s biggest & longest holiday - Retirement
An initiative aims to promote financial awareness in India by educating people on the importance of retirement planning and savings. It notes that 78% of Indians are not preparing financially for retirement and highlights how small monthly savings of Rs. 20,125 starting at age 30 can grow to Rs. 2,02,514 by age 60. The initiative stresses calculating future household and rising medical expenses to have sufficient retirement funds.
Bank deposit – not so bankable
The document discusses financial awareness initiatives by promoting awareness about bank deposit insurance limits in India. It provides a brief history of increasing deposit insurance limits over time from Rs. 5,000 in 1968 to the current limit of Rs. 1,00,000 set in 1993. It aims to dispel the common myth that all bank deposits are fully safe by highlighting the reality that only the first Rs. 1,00,000 of an individual's principal and interest amount is insured for each bank.
Wealth creation through long term equity investment
The document discusses various investment options and their returns over time. It notes that investing Rs. 100,000 in 1979 would be worth over Rs. 5 million if invested in the stock market compared to Rs. 326,000-366,000 if invested in more conservative options like fixed deposits, public provident fund, or gold after adjusting for inflation. Real estate is noted to have lower actual returns than perceived once inflation is accounted for, with equity historically providing higher long-term growth. Life insurance is described as income protection rather than a means of wealth creation.
More from Biswajit Das. "Relationship Beyond Advising." (20)
Believe it or not investment gave return 1050 times in 58 years
Believe it or not investment gave return 1050 times in 58 years
Long term wealth creation through equity investment
Long term wealth creation through equity investment
Equity is risky not investing in equity is risky - 2
Equity is risky not investing in equity is risky - 2
The top 3 largest economies in 2050 – Larger your wealth
The top 3 largest economies in 2050 – Larger your wealth
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
Equity is risky - Not investing in equity is risky
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Wealth creation through long term equity investment
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三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
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◇不清楚认证流程以及材料该如何准备；
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2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
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【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
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校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
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颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
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Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
TechnoXander Confirmation of Payee Product Pack 1.pdf
Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
For more details, you can visit https://technoxander.com.
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Bank deposit – not so bankable
- 1. An initiative to promote Financial Awareness by BISWAJIT DAS Diploma in Wealth Management – IIFP Delhi, Goal Planning Specialist – EDGE Learning Academy Relationship Beyond Advising Call – 9339288488, Mail – dbiswajitifcs@gmail.com https://www.linkedin.com/pub/biswajit-das/1a/504/148 https://twitter.com/dbiswajitifcs https://www.facebook.com/dbiswajit.ifcs Bank Deposit – Not So Bankable Effective from Date Insurance Limit 1-Jan-68 Rs. 5,000/- 1-Apr-70 Rs.10,000/- 1-Jan-76 Rs. 20,000/- 1-Jul-80 Rs. 30,000/- May 1, 1993. Rs. 1,00,000/- http://www.dicgc.org.in/english/FD_A-GuideToDepositInsurance.html http://www.dicgc.org.in/english/pdf/2007/AnnualrEnglish/Profile.pdf Myth – My bank deposit are fully safe. Reality –The principal and interest amount of only Rs.1,00,000 (Rupees One Lakh) of every investor is insured.