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
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
Rebalancing – The ultimate art and science of wealth creation
Rebalancing – The ultimate art and science of wealth creation
Guaranteed return – wealth creation not guaranteed
Guaranteed return – wealth creation not guaranteed
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学校原件一模一样【微信：741003700 】《(TAMU毕业证书)美国德州农工大学毕业证PDF成绩单》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：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、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
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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】
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◇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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一比一原版(RMIT毕业证)皇家墨尔本理工大学毕业证如何办理
RMIT硕士学位证成绩单【微信95270640】《皇家墨尔本理工大学毕业证书》《QQ微信95270640》学位证书电子版：在线制作皇家墨尔本理工大学毕业证成绩单GPA修改（制作RMIT毕业证成绩单RMIT文凭证书样本）、皇家墨尔本理工大学毕业证书与成绩单样本图片、《RMIT学历证书学位证书》、皇家墨尔本理工大学毕业证案例毕业证书制作軟體、在线制作加拿大硕士学历证书真实可查.
【本科硕士】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（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理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信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
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真实网上可查的证明材料
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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"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
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.The Impact of GST Payments on Loan Approvals
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永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：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）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可
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。
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
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
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A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
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What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?
Independent Study - College of Wooster Research (2023-2024)
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
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.
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Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.Recently uploaded (20)
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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