Real estate – real fact
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Real estate is often thought to always increase in value and provide high returns, but this is a myth. While real estate prices have risen in some areas over long periods, they can also decline or see low appreciation in other areas and time periods. Real estate is an illiquid investment compared to other assets, and selling properties during downturns can be challenging. Overall, real estate does not guarantee high returns and investing solely in real estate risks losing money if not done carefully after understanding market conditions.
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Real estate – real fact1
Real estate is often thought to always increase in value and provide high returns, but this is a myth. While real estate prices have risen in some areas, they can also decline or see limited growth depending on the market conditions. Location is important, as are economic factors like interest rates, supply and demand. Diversification is recommended over putting all investments into one asset class like real estate.
Real estate – real fact
This document presents data on yearly returns from real estate in India from 2007 to March 2015. It shows that returns ranged widely from -1.33% to 29.33% annually, with several years seeing returns below 10%. The document aims to dispel the myth that real estate prices always appreciate greatly by showing real data on variable historical returns.
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Gold – not glittering1
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Gold – not glittering
1) The document discusses the myth that gold prices always appreciate and provide high returns versus the reality that gold prices can fall significantly in the international market.
2) It provides examples that the international gold price crashed almost 3 times from $850 per ounce in 1980 to $252 per ounce in 1999, while the Indian rupee weakened significantly against the dollar over this period.
3) This rupee depreciation caused the Indian domestic gold price to increase almost 3 times over this period in rupee terms, even as the international gold price fell sharply.
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Real estate – real fact1
Real estate is often thought to always increase in value and provide high returns, but this is a myth. While real estate prices have risen in some areas, they can also decline or see limited growth depending on the market conditions. Location is important, as are economic factors like interest rates, supply and demand. Diversification is recommended over putting all investments into one asset class like real estate.
Real estate – real fact
This document presents data on yearly returns from real estate in India from 2007 to March 2015. It shows that returns ranged widely from -1.33% to 29.33% annually, with several years seeing returns below 10%. The document aims to dispel the myth that real estate prices always appreciate greatly by showing real data on variable historical returns.
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The document discusses how while the international gold price crashed nearly 3 times from 1980 to 1999, falling from $850 per ounce to $252 per ounce, the weakening of the Indian rupee against the US dollar by nearly 6 times over this period caused the Indian gold price to increase nearly 3 times in rupees, from Rs. 1159 to Rs. 4474, despite the fall in the international price. It aims to dispel the myth that gold prices never fall and always appreciate, noting that the rise in Indian domestic gold prices over this period was primarily due to rupee depreciation rather than gold price appreciation.
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Questo articolo è stato pubblicato su "Va pensiero" n° 476 del 26 Aprile 2011 a questo URL: http://bit.ly/vbDwgY
"Va Pensiero" è la newsletter del Pensiero Scientifico Editore
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El compromiso de este bufete de abogados es estar cerca del cliente del servicio y tratarle de forma individual, haciéndonos parte de sus inconvenientes, personales, jurídicos y/o empresariales.
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Questo articolo è stato pubblicato su "Va pensiero" n° 476 del 26 Aprile 2011 a questo URL: http://bit.ly/vbDwgY
"Va Pensiero" è la newsletter del Pensiero Scientifico Editore
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ブラウジング時に人はどのように書架を見ているのか ～視線追尾装置を用いた書架閲覧実験～
佐藤翔, 安蒜孝政, 寺井仁, 原田隆史, 逸村裕. "ブラウジング時に人はどのように書架を見ているのか ～視線追尾装置を用いた書架閲覧実験～". 第62回日本図書館情報学会研究大会. 2014-11-29, 梅花女子大学, p.37-40. 当該ファイルは論文
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2.3 billion children in the world, 800 million of whom have never heard the name of Jesus. Children ages 4-14 make up the largest unreached people group globally. By age 5, a child's concept of God is largely formed, and between ages 5-12 they are deciding what to believe. Churches on average have 40 hours per year to influence children, while parents have 3,000 hours of influence annually. The document calls for refocusing efforts on recruiting volunteers, empowering children, and equipping families in spiritual development of children.
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More from Biswajit Das. "Relationship Beyond Advising."
Believe it or not investment gave return 1050 times in 58 years
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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.
Client return as on jan17
This document discusses initiatives to promote financial awareness and provides data on returns from different investment options like LIC FD, PPF, EPF, gold, and the Sensex from April 1979 to March 2016. It also shares details on client returns from investments made between April 2005 to November 2006 and between February 2015 to January 2017, showing that the client returns outperformed index returns with lower equity exposure.
Post retirement health insurance expenses
This document discusses health and critical illness insurance premium costs for retirees. It provides an example of yearly premium costs for a floater health insurance policy with a sum assured of 25 lakh for two people and individual critical illness policies with a sum assured of 20 lakh each. The premium costs increase with age, with yearly health insurance premiums ranging from Rs. 75,450 for ages 61-65 up to Rs. 160,684 for ages 76-80 and critical illness premiums ranging from Rs. 312,000 for ages 61-65 up to Rs. 532,000 for ages 71-75. It concludes by asking if the reader knows how much money they will require after retirement.
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.Rising house hold expenses – income not rising
Biswajit Das is a goal planning specialist and holds a diploma in wealth management. He provides advising services to help clients plan for rising household expenses given inflation. Based on assumptions of the client's current age of 25, retirement at 60, and 8% annual inflation, Biswajit estimates that the client would need over 4.4 million rupees to cover household expenses at retirement compared to 300,000 rupees currently. He provides his contact information for clients seeking financial advising beyond standard recommendations.
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creationBiswajit Das. "Relationship Beyond Advising."
Biswajit Das is a goal planning specialist and wealth management professional who provides advising on rebalancing portfolios. Rebalancing periodically adjusts a portfolio to protect gains through effective risk management and achieve financial goals. Das shares insights on rebalancing as the ultimate art and science of wealth creation and promotes financial awareness through education initiatives. Contact information is provided for those seeking advising on portfolio management.Priority banking – Only emotional encashment
Priority banking customers are told they receive special attention, but in reality it is a way for banks to collect large sums of savings at low interest rates. By appealing to customer emotions and sentiment, priority banking provides a cheap source of funds for banks. With advances in technology, fewer customers now visit branches in person.
Inflation – The silent & invisiable killer
The document discusses the effects of inflation on investment returns. It provides an example where a Rs. 100,000 investment earning 7.25% annually over some period results in a maturity value of Rs. 107,250. However, after accounting for 30% taxes of Rs. 2,175 and 5.18% inflation erosion of Rs. 5,556, the real net maturity value is only Rs. 99,519, resulting in a net return of -7.73% rather than the 7.25% quoted return. Thus, the document illustrates how inflation can act as a silent killer by eroding investment returns over time if not accounted for.
Income protection - The ultimate protection
Biswajit Das is a wealth management specialist who provides financial advising and goal planning services. The document lists his contact information and credentials, including a diploma in wealth management and certification as a goal planning specialist. It also poses the question "Can your family survive for life long with this money?" to prompt consideration of income protection and life insurance for financial security after death.
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.
Guaranteed return – wealth creation not guaranteed
Biswajit Das is a diploma holder in wealth management and goal planning specialist who provides relationship-based advising. He shares contact information including phone number and email on multiple occasions. The document discusses how an investment of Rs. 100,000 earning 7.25% return results in a net maturity of Rs. 99,519 after accounting for 30% tax and 5.18% inflation, showing that returns are not truly guaranteed once taxes and inflation are considered.
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.
More from Biswajit Das. "Relationship Beyond Advising." (20)
Believe it or not investment gave return 1050 times in 58 years
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Long term wealth creation through equity investment
Long term wealth creation through equity investment
Equity is risky not investing in equity is risky - 2
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The top 3 largest economies in 2050 – Larger your wealth
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1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：皇家墨尔本理工大学皇家墨尔本理工大学本科学位证成绩单隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更不能乱跑一怕迷路二怕拐子拐人山娃很惊惧去年村里的田鸡就因为跟父亲进城一不小心被人拐跑了至今不见踪影害不
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Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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5 Tips for Creating Standard Financial Reports
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OJP data from firms like Vicinity Jobs have emerged as a complement to traditional sources of labour demand data, such as the Job Vacancy and Wages Survey (JVWS). Ibrahim Abuallail, PhD Candidate, University of Ottawa, presented research relating to bias in OJPs and a proposed approach to effectively adjust OJP data to complement existing official data (such as from the JVWS) and improve the measurement of labour demand.falcon-invoice-discounting-a-strategic-approach-to-optimize-investments
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Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Fabular Frames and the Four Ratio Problem
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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留信网认证的作用:
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Real estate – real fact
- 1. Real Estate – Real Fact http://epaperbeta.timesofindia.com/Article.aspx?eid=31817&articlexml=GUEST-CORNER-Is-real-estate-the-best-investment-26102015129023 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 Myth – Real estate price always appreciate and give huge return. Reality