[New post] WOO HOO!!!…from Alfred Lambremont Webre and Tolec… “5.0 Gulf of Aden quake: Andromeda Council sonic beam destroys reptilian undersea base”

New post on Kauilapele's Blog WOO HOO!!!…from Alfred Lambremont Webre and Tolec… “5.0 Gulf of Aden quake: Andromeda Council sonic beam destroys reptilian undersea base” by kauilapele Click to enlarge Just received notification from ALW's YouTube page (click for ALW website). I am listening to this now, and converting to an mp3. Below is the video. . . This is related to the last ALW/Tolec report, posted here on this blog, where Tolec stated that one of the two major reptilian bases (one in Gulf of Aden, one in China) was taken out. Click to enlarge Recall from that post, "Both bases generate emotional-fear-producing frequencies sent out to the regions near those bases (e.g., Middle East, Asia). The frequencies are designed to create fear in the emotional bodies of people in those regions of the planet... The conflicts in Middle East have been created/continued by this method." My reaction is most clearly described by the first two words in the title. --------------------------------------------------------------------------- MP3 recording of this video or use the player below. 3bxgpkk USGS quake details here Google map quake location here Click to enlarge <p style="text-align: center;">---------------------------------------------------------------------------</p> kauilapele | October 31, 2011 at 19:04 | Tags: Alfred Lambremont Webre, Andromeda Council, ExopoliticsTV, Tolec | Categories: apocalypse, chaos, energies, new energies, releasing | URL: http://wp.me/p1dHgy-1KN Unsubscribe or change your email settings at Manage Subscriptions. Trouble clicking? Copy and paste this URL into your browser: http://kauilapele.wordpress.com/2011/10/31/woo-hoo-from-alfred-lambremont-webre-and-tolec-5-0-gulf-of-aden-quake-andromeda-council-sonic-beam-destroys-reptilian-undersea-base/

Thanks for flying with WordPress.com

[New post] Benjamin Fulford 11-1-11…”Is the Rothschild banking monopoly finally about to be dismantled?”

New post on Kauilapele's Blog Benjamin Fulford 11-1-11…”Is the Rothschild banking monopoly finally about to be dismantled?” by kauilapele From this week's Ben report, it appears all is moving into place to remove the criminal banking elements and institutions ("Would you like me to remove those Rothchilds, Madame?") and reboot the entire world financial system. Yes, the Chinese are involved (exactly which Chinese, he does not say; just as David Wilcock reported in one of his October surprise articles). And, according to Ben, it looks like a "wild ride" November. [maybe also you want to check out Blossom's latest (Brace Yourselves!), and <a href="/2011/10/28/northwatuppa-november-2011-11-11-11-for-everyone/" target="_blank"Northwatuppa's latest (Very "intense-eresting" month) articles] Oh yes, my dream. Last night, before I saw this article, I had a dream. The part I remember was there was a rather ornate, 3 or 4-story building, classical European facade (and yes, it could have been a bank, also some rich people's house). Someone behind me was firing flaming arrows at the windows. Next thing I saw was all windows (felt like 9 of them) were on fire. Then in front of the building, a sword fight was happening. These 3-musketeer type guys were involved, and all of a sudden one guy's arm was cut off (and remained there writhing), then a sword decapitated this same guy's head. (Sorry for the graphics, here, but that was the dream). When I then read this Ben article, about the Rothchilds banking system going down, it was clear (to me) that this was confirmation of what he was writing about. The 9 windows means a finishing off, or completion ("9" signifies completion, numerologically (at least in my understanding)). So see how that rings with you. All I would add here is that it will be helpful to all of this to remain in our own Higher Spaces, in the Light, and to hold all involved here, including the Rothchilds, Rockefellers, and anyone else that has "perpetrated" this old system, including acts against humanity, in that same Light. We are all in this together, and even the "black" sheep are part of the Light, whether they know it or not, whether some like it or not. Of course, apply Higher Discernment to these articles. "'The IMF and the World Bank existed to force the Rothschild banking system on the countries of the world,' is how an extremely senior Chinese official explained the situation. 'Our goal is to reboot the system, to start over and set all the parameters in a fair way so that all countries benefit from the pooled assets of the people of the world and not just Europe and North America,' he continued." "What is now going to happen is that the 100 countries that have so far joined the new system started in Monaco in August, are going to implement the new system in four stages, according to a White Dragon Society source. The US military and agencies will be involved in this process right from the beginning, he added. Efforts to intimidate generals by using corrupt institutions like the IRS to try to repossess their homes will backfire and lead to criminal prosecutions... There will also be mass arrests." Highlights The situation in Europe is making it clear... that something historical is taking place... the criminal element at the very top of the Western power structure, especially...the financial system, has been cut off from their money printing machine. The governments of Greece, Ireland, Portugal, Italy etc. know that the debts they supposedly owe to bankers were created through fraudulent book entries and thus do not have to be repaid... The Rothschild banking nightmare is ending. Even the... Western financial gurus and journalists are starting to realize that something is not right. The big announcement by European governments of a "solution" to the Greek and Euro crises is a case in point. The IMF, supposedly the world's "lender of last resort" is also continuing to admit they have no money. ...the criminal part of the world's financial system is falling apart. The IMF will soon cease to be solvent... The BIS is also in trouble... the entire Rothschild banking monopoly is in deep trouble. "The IMF and the World Bank existed to force the Rothschild banking system on the countries of the world," is how an extremely senior Chinese official explained the situation. "Our goal is to reboot the system, to start over... in a fair way so...all countries benefit from the pooled assets of the people of the world..." ...the 100 countries that have so far joined the new system... in August, are going to implement the new system in four stages... The first step ... a lawsuit... filed before November 15th against the individuals and groups who abused the Federal Reserve Board system. ...all honest businessmen and bankers... have nothing to worry about... money created through derivatives fraud will be eliminated... major historical financial injustices will be addressed and stolen monies and assets will be returned to their rightful owners. The international banking and payment settlements systems will remain in place after the reboot. This will mean the minimum possible disruption to legitimate business. --------------------------------------------------------------------------- Is the Rothschild banking monopoly finally about to be dismantled? by Benjamin Fulford, November 1, 2011 The situation in Europe is making it clear to all but the most brainwashed that something historical is taking place. What is happening is that the criminal element at the very top of the Western power structure, especially at the very top of the financial system, has been cut off from their money printing machine. As a result, the IMF and the major European and US money center banks are insolvent. No amount of lying or paper shuffling or propaganda is going to hide this fundamental truth. The governments of Greece, Ireland, Portugal, Italy etc. know that the debts they supposedly owe to bankers were created through fraudulent book entries and thus do not have to be repaid. That is why the banks suddenly announced that Greece only had to pay back 50% of their debt even though such a write off would destroy them. They are hop ing for a tax payer bail-out that is just not going to happen. It is game over. The Rothschild banking nightmare is ending. Even the highly brainwashed priesthood known as Western financial gurus and journalists are starting to realize that something is not right. The big announcement by European governments of a "solution" to the Greek and Euro crises is a case in point. If you analyze the announcement you realize that essentially the banks and governments are saying the banks will pay for 50% of the Greek debt with money they do not have. The governments say they will pay for it by "leveraging" the money they already have. They do not say who is going to be dumb enough to finance a bankrupt gambler who wants to quadruple his risk. Please note that as soon as the "solution" to the crisis was announced, high level begging missions were sent to Asia, including French President Sarkozy. Why would they need to go to Asia to ask for money if they had come up with a solution? The IMF, supposedly the world's "lender of last resort" is also continuing to admit they have no money. The reason is that the IMF itself cannot prove that its money comes from legitimate sources. The fact of the matter is that the criminal part of the world's financial system is falling apart. The IMF will soon cease to be solvent. The same is true of the World Bank. The BIS is also in trouble. In fact, the entire Rothschild banking monopoly is in deep trouble. The freeze of "trading platforms" remains in place, meaning that the controllers of the fiat system can no longer pump new money into the system. The best they can do is reshuffle money that is already in the system. New money will only start entering the global financial system once the new asset-backed system is in place. "The IMF and the World Bank existed to force the Rothschild banking system on the countries of the world," is how an extremely senior Chinese official explained the situation. "Our goal is to reboot the system, to start over and set all the parameters in a fair way so that all countries benefit from the pooled assets of the people of the world and not just Europe and North America," he continued. The original system was meant to have been run by the Swiss and protected by the Americans, he continued. "The basic failure was that the system of checks and balances failed and the people who were supposed to protect the system ended up abusing it," he added. What is now going to happen is that the 100 countries that have so far joined the new system started in Monaco in August, are going to implement the new system in four stages, according to a White Dragon Society source. The US military and agencies will be involved in this process right from the beginning, he added. Efforts to intimidate generals by using corrupt institutions like the IRS to try to repossess their homes will backfire and lead to criminal prosecutions. The first step will be a lawsuit that will be filed before November 15th against the individuals and groups who abused the Federal Reserve Board system. This will lead to liens being placed against many of the largest financial institutions in the world, according to the filers. There will also be mass arrests. The other steps have yet to be disclosed. However, some basic truths are already known. First of all, all honest businessmen and bankers worldwide will have nothing to worry about. Second of all, the money created through derivatives fraud will be eliminated from the books, even if that means bankrupting many of the big Western financial institutions. Third, major historical financial injustices will be addressed and stolen monies and assets will be returned to their rightful owners. This will be good news for the vast majority of Western citizens as well as the inhabitants of long exploited regions like Africa. The international banking and payment settlements systems will remain in place after the reboot. This will mean the minimum possible disruption to legitimate business. However, as mentioned earlier, the international institutions set up and controlled by a small group of Western oligarchs after World War 2 will be totally revamped. kauilapele | October 31, 2011 at 10:34 | Tags: Ben Fulford, Benjamin Fulford, Rothschilds | Categories: apocalypse, chaos, energies, new energies, prosperity package, releasing | URL: http://wp.me/p1dHgy-1KC Unsubscribe or change your email settings at Manage Subscriptions. Trouble clicking? Copy and paste this URL into your browser: http://kauilapele.wordpress.com/2011/10/31/benjamin-fulford-11-1-11-is-the-rothschild-banking-monopoly-finally-about-to-be-dismantled/

Thanks for flying with WordPress.com

Daily Headlines: Monday, October 31, 2011

Contact us | Subscribe | Send to a Friend

October 31, 2011 News By Region  National  International  East  Midwest  Southeast  South Central  West Video Today's Headlines National Company Health Plans Raising Costs for Smokers, Obese Like a lot of companies, Veridian Credit Union wants its employees to be healthier. In January, the Waterloo, Iowa-company rolled out a ... Why Real Estate Professionals Need E&O Coverage As real estate professionals know well, most signs point to slow progress in real estate industry growth. Professionals are left to manage ... Aspen U.S., V3 Insurance to Offer Misc. E&O, Optional Premises Liability Program Aspen U.S. Insurance has partnered with V3 Insurance Partners LLC, a managing general underwriting agency, to offer Vantage360 MPL+, a ... Travelers Expanded Event Coverage Protects Investment in Life Celebrations Despite consumers cutting back on many expenses, they are not cutting back when it comes to the events they hold for life milestones,... More National News East Q3 Earnings Report: Selective Posts Net Loss Selective Insurance Group, based in Branchville, New Jersey, reported net loss of $20.1 million for the third quarter. The insurer had ... William Gallagher Settles With Regulators, Will Pay $1.7M Insurance broker William Gallagher Associates Inc. will pay $1.7 million as a settlement with Connecticut regulators over allegations that ... Virginia Farm Bureau Says It’s Peak Deer vs. Car Season The Virginia Farm Bureau is warning motorists to be mindful of deer wandering onto roads and highways, a common hazard during this time of ... Nearly 580,000 Lose Power During East Coast Snow The unusually early snowstorm bringing heavy, wet snow to the East Coast has knocked out power to nearly 580,000 customers. Most are in ... More East News Midwest Insurer Sues Manufacturer Over South Dakota Collapsed Pool Claims An insurance company is suing the maker of a portable pool to try to recoup money paid out as a result of a collapsed pool at the Mitchell ... Nebraska Health Exchange Would Need 83K-100K Enrollees As many as 100,000 Nebraskans would need to enroll in a state-based health insurance exchange before the program could sustain itself as ... ARM of Illinois Adds 100th Member to Public Schools Cooperative Associated Risk Managers (ARM) of Illinois has added Rochelle Community Consolidated School District #231 into the Prairie State Insurance ... More Midwest News Southeast West Virgnia City Wins $2.6M in Engineer Negligence Claim The Charleston Sanitary Board will get more than $2.6 million from a company it had hired to make compost out of yard waste and sewage ... More Southeast News South Central Feds Make Slow Progress on Flood Levee Inventory More than six years after Hurricane Katrina's rampage, authorities have taken only halting steps toward identifying weaknesses in a ... Mulcahy Joins York Risk Services Group as South Central Sales VP Claims administration and risk management services provider York Risk Services Group has added Pat Mulcahy as vice president of sales for ... Tremors in Oklahoma a Reminder to Check for Quake Coverage Recent minor earthquakes have rattled Oklahoma homes and businesses; seven tremors have been reported in the state during the month of ... Insurance Professionals of Katy Aligns with International Association The Insurance Professionals of Katy has affiliated with the International Association of Insurance Professionals (IAIP) (formerly NAIW ... Farmers Insurance: Nov.1 Will Dramatically Impact Oklahoma Drivers Farmers Insurance is advising Oklahoma residents that a new law, which goes into effect on Nov. 1, will have a significant effect on all ... More South Central News West Judge Blocks San Francisco’s Cell Phone Warning A U.S. judge has blocked most of a San Francisco ordinance that required warnings about cell phone safety risks, saying it violated the ... Mercury Reports Dip in Operating Income in 3Q, Increases Quarterly Dividend Mercury General Corp. (NYSE: MCY) on Monday reported a dip in operating income for the third quarter, and announced a dividend increase. ... More West News International Aon Report on Thai Floods Highlights ‘Extreme Human Suffering,’ Economic Loss’ Aon Benfield has published a highly detailed report on the ongoing floods in Thailand, from their meteorological beginnings - extremely ... UK PM Seeks Law Change to Allow Armed Guards on British Vessels UK Prime Minister David Cameron announced plans to amend British law to allow UK registered vessels to employ armed guards as security, ... Strong Peru Quake Causes Minor Damage, 83 Reported Injured A magnitude 6.9 earthquake that struck off the coast of southern Peru Friday shook buildings in Lima and injured 83 people near the city of ... War Veteran Turned Banker is China’s New Insurance Regulator Xiang Junbo, the man named on Saturday to be China's insurance regulator, recently led the country's third-largest lender from near ... AIR Gives Preliminary Analysis of Peru Quake Losses In a bulletin released shortly after the earthquake in Peru, Catastrophe modeling firm AIR Worldwide said that "given the relatively sparse ... AIR Worldwide Launches Multiple Peril Crop Insurance Model for China Catastrophe risk modeling firm AIR Worldwide announced that it has released the industry's first Multiple Peril Crop Insurance (MPCI) ... Third Quarter Earnings Reports: Aspen Insurance, Validus Holdings Combined ratio of 96.7 percent, or 85.5 percent excluding catastrophe losses for the third quarter of 2011, compared with a combined ratio... S&P Upgrades Swiss Re and Core Subsidiaries to ‘AA-’; Outlook Stable Standard & Poor's Ratings Services has raised its long-term counterparty credit and insurer financial strength ratings on Zurich-based ... BrokersLink Adds 8 New Members BrokersLink, a major independent international insurance broker network, announced that new brokers had joined the organization in Israel, ... More International News Insurance Journal Blogs It’s Unwise to Pay Too Much, but it’s Worse to Pay Too Little Think... It's unwise to pay too much, but it's worse to pay too little. When you pay too much, you lose a little money—that is all. When ... More Blogs Join the Insurance Journal Network Insurance Journal TV Intermediary Value The prolonged soft market and tough competition in the property/casualty insurance industry... Watch Now FERMA Growth Assured as Den Dekker Steps Down Peter den Dekker's tenure as president of the Federation of European Risk Management... Watch Now Watch more videos at InsuranceJournal.tv New Discussions in the Forums Chicago IL area insurance agencies who sell TRAVEL Insurance Posted: Mon Oct 31 -- You can look online. I'm certain that there are lots of carriers in Chicago area. troybenning Nursing Home (TX) Posted: Mon Oct 31 -- As some of the comments suggest above the only real way to get a feel for a care home is to visit it and make close inspection. One thing... Jambo86 Attorney considering CPCU- thoughts? Posted: Mon Oct 31 -- I spent this year on education and books like the CPCU which is 5 feet from me right now, was recovered in 8 days of work. But the knowledge... tkishore123 CIC & CPCU at the same time? Posted: Mon Oct 31 -- LMora, while I don't have my CIC yet, I did just complete the CPCU designation. My only word of advice would be this: find a group of people... BrianBaughman Can you get different rates for same insurer? Posted: Sun Oct 30 -- It is rare, but we know of one insurer that is giving a higher discount to high risk properties (such as second homes, mobile homes, etc.)... mgoodfriend Social Media and its potential Posted: Fri Oct 28 -- I started a Facebook page a few months ago for our agency. My boss noted that when a person goes to the page, on the right hand side are a... csrsd Should An Agency Specialize or have a Niche? Posted: Fri Oct 28 -- Yes, I totally agree for an agency to have a specialize field in their agency, because if you don't have anything that is stand out in the... roycheong1031 Insurance for DJ's Posted: Fri Oct 28 -- Well, sure, he does need Liability coverage. What if his equipment that he set up falls and damages a 3rd party's property, or, worse yet,... simiinsuranceguy Android Applications/Insurance Related Posted: Fri Oct 28 -- I have seen some insurance android apps especially for agents but I don't know if it's worth downloading though. Anyone of you have tried... robmejia Go to Forums Reader Comments Florida Man Wins $1M Claim Against South Carolina Lawyer Posted: Tue Oct 25 -- Now that's a true feel good story! Johnny Cockrun Accident Fund Will Cover Comp Claim for Joplin Tornado Survivor Posted: Tue Oct 25 -- Sanity prevails! How refreshing! This poor fellow exposed himself (gosh that sounds wrong) to a higher degree of risk by attempting to save... reality bites Wall Street Protesters Target Health Insurers Posted: Fri Oct 28 -- The hospital closed because it was 1 billion in debt. That would probably mean that the hospital was not able to pay their bills probably... Amazed More Unfit Floridians Have Driver's Licenses Yanked Posted: Tue Oct 25 -- When my Mom was approaching 90 she went to the Ohio deputy registrar office to renew her license. Part of the process is an eye test and she... Waterbug West Virginia Judge Affirms $91M Damage Award Against Nursing Home Posted: Mon Oct 24 -- $91,000,000?? For an 87-YO person? That's a lot of money for pain + suffering + loss of consortium. My parents aren't too much younger so I... reality bites Go to Popular Comments Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us Current Issue Focus on Professional Liability / PLUS, Law Firm Directory, Commercial Property, Insurance Geek Issue - What's New in Technology October 17, 2011 More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail Market Directories Excess & Surplus Markets Programs Workers' Comp Markets New Insurance Jobs Senior Underwriting Specialist - Inland Marine Wholesale P & C Broker Regional Sales Manager - National Temporay Housing Provider Insurance Training Professional Have a job opening? List it on our Web site. How to Advertise For information about advertising on this newsletter and Insurance Journal magazines, contact Julie Tinney at (800) 897-9965 x148. View our Media Kit for advertising options in our magazines and online properties. Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Prajna Capital

---

• What are the Cost involved in Mutual Funds?
• The real relation between Credit card and Credit score
• 2 New FMPs from SBI Mutual Fund
• How to Invest Online in Birla Sunlife Mutual Fund?
• SB account not simple anymore
• How to Invest Online in Edelweiss Mutual Fund?
• Should you invest in tax-free infra bonds?

What are the Cost involved in Mutual Funds? Posted: 31 Oct 2011 06:01 AM PDT The two main costs incurred are: 1) Expense Ratio: Annual expenses involved in running the mutual fund include administrative costs, management salary, overheads etc. Expense Ratio is the percentage of assets that go towards these expenses. Every time the fund manager churns his portfolio, he pays a brokerage fee, which is ultimately borne by investors in the form of an Expense Ratio. Therefore, higher churning not only leads to higher risk but also higher cost for the investor.   2) Exit Load: Due to SEBI's recent ban on entry loads, investors now have only exit loads to worry about. An exit load is charged to investors when they sell units of a mutual fund within a particular tenure; most funds charge if the units are sold before a year. As exit load is a fraction of the NAV, it eats into your investment.   Try investing in a fund with a low expense ratio and stay invested in them for longer duration. -----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

The real relation between Credit card and Credit score Posted: 31 Oct 2011 05:14 AM PDT Currently there is an increasing awareness about the importance of a credit score and the impact it has on any loan who wish to opt for in future! If you are one of those individuals who plan to take a home loan a few years down the line and do not have a credit score at all, then it is time to thought of  starting a credit score record, which will benefit you in the long run. What does a score look like and what is a good score? A credit score is generally a three digit number within the range of 300 and 900. Higher the score the better it is. This score will reflect information from several lenders and across various loans. What information does a credit report contain? Apart from containing all personal identification information the credit report records your repayment history if any in the case of a loan or a credit card. Your credit card can be the single most important factor in improving and increasing your credit score. On the other hand it can also plummet your score to dark depths if you are not careful. Think smart and use your credit cards to your advantage. Here is some pointers on what to do and what not to do in order to achieve this reality. No debts so far. Opting for a brand new credit card for the first time This makes sense for your credit score. Making use of a credit card judiciously will help you improve your credit score. Just make sure you open your credit card with a respected and popular brand name. Low credit limit Keep a tab on the credit limit of your credit card. Open a credit card account with a company that will provide you with the highest credit limit possible. High credit limits, even if they are not used will add merit to your credit score and improve it. Choosing the ideal credit card to close The number of years you hold a credit card account has an impact on your credit scores. Hence, let your oldest credit card be, if you must close a card opt for the most recent cards and close them one at a time, maybe once a month over a period of time. Bargain for a lower interest rate If you have never defaulted on a payment for a few years, make use of your good repayment track record and speak to the bank officials for a better bargain. Request them to lower your interest rate citing the good track record you hold with them. Keep following up with your bank from time to time and you may just get your wish! Request for an increase in credit limit You may have purchased your most recent card because of the higher credit limit. If at a later date you wish to close some of your cards and you know it makes better sense to close the most recent card, you have a dilemma. The most recent card has the highest credit limit. The oldest card has the lowest credit limit. What do you do? In such instances, if you have a good repayment track record, approach the bank and negotiate for a higher credit limit especially since you have been their customer for quite a few years. Most banks will oblige and you can then proceed to close the most recent card if you absolutely must do so. Keep a self imposed credit limit, which is much lower than the actual credit limit Never exceeding 40% of your credit limit has a very beneficial effect on your credit score. This shows your credit limit is high but you have not burnt it up and have plenty in reserve. This logic helps you attain a much higher credit score. This is the same logic that suggests you should not close any credit card accounts, as they collectively will provide you a high credit limit, which is good for the score. Paying off credit card dues quickly will dramatically improve your credit score Try not to encourage too much credit card debt. Be wise and pay the dues quickly and keep rotating your cards. Paying off dues will cause a spike in your credit score, which is highly favourable. -----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

2 New FMPs from SBI Mutual Fund Posted: 31 Oct 2011 04:46 AM PDT SBI Mutual Fund has announced the launch of new fund offers (NFOs) of SBI Debt Fund Series 367 Days –9 & SBI Debt Fund Series 90 Days–51. Both the schemes will be open for subscription on November 1 and November 2 for series 9 and Series 51, respectively. The minimum investment amount will be Rs. 5000 and in multiples of Rs. 10 for both the schemes. The schemes will have growth as well as dividend option. They will be listed on Bombay Stock Exchange   -----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

How to Invest Online in Birla Sunlife Mutual Fund? Posted: 30 Oct 2011 11:59 PM PDT We are happy to introduce the online investment facility in Birla Sunlife Mutual Fund. This would help you to invest your funds through "Click of a Mouse". The Step by Step demo for investing online is available to guide you to invest Online. You can click the URL for viewing the following Demo. Demo: Step 1: Online Account Access – Registration: This demo helps you to Register for Online Access. Click here to view the demo …. Step 2: Online Access – Demo: This demo will help you to see the demo of "Online Access" and how to make online transactions using the Online Access. Click here to view the demo …. Step 3: Invest Online: You can start investing online by clicking the following link. Once you start investing online, it would save you a lot of time and would help you to simplify your tasks. https://www.birlasunlife.com/Mutual_Fund/Mybsfs/Investor/Login.aspx Refer below for more info….. http://prajnacapital.blogspot.com/2011/06/buying-birla-sunlife-mutual-funds.html You can contact me if you have any queries to invest online in Birla Sunlife Mutual Fund. ----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

SB account not simple anymore Posted: 30 Oct 2011 08:57 PM PDT Deregulation of savings account rate would result in new types of accounts with different features and varying interest rates     The talk of deregulation of interest rates on saving bank accounts is creating a buzz among bank customers. Obviously, since almost everyone has a savings bank account with a sizeable amount of money lying idle in it. Sure, the Reserve Bank of India's recent increase of rates on savings account to 4% from 3.5% is pumping up imagination of depositors who believe that they stand to gain the most when the banking regulator deregulates the savings account rate. However, according to banking officials, it need not be the case. True, most bankers don't think the time has not come to resort to deregulation of rates. However, even those who are ready to go along believe that it would lead to more product innovation in the industry.    It is a significant move. Currently, the savings and current account rates are the only two deposit rates regulated by the banking regulator. Before the recent increase of saving account rates by RBI from 3.5% to 4% the rates had remained unchanged since March 2003. However, deregulation of rates won't necessarily lead to a significant increase in savings account rate immediately. What will happen is that the banks will start introducing different types to accounts to customers. Also, you can't rule out the fact that the rates can also go down when there is a decline in rates in the money market.     A significant move According to investment experts, deregulation would be make huge change in the way people use their savings bank account. Currently, savings accounts for roughly 13% of Household Financial assets in India. However, in the past 10 years these deposits have yielded considerably lower rate of return than the prevailing inflation rate. This has resulted in erosion of value of the household wealth in these deposits. For example, take a look at the current scenario. With the inflation rate at 9.4%, the 'real' savings rate is negative 5.4% at the moment. And it means the worth of the money is getting eroded every year.    Sure, it is not going to pinch every depositor so severely. For example, those who are using their savings banks accounts mainly to meet their monthly expenses and transactions wont feel much of a difference. This would applicable to a large number of account holders in large cities. However, those who keep large amount of money in savings bank and rural and semi-urban households which use their savings account to keep their entire savings, it certainly leads to an erosion of real worth over a period of time.     The likely scenario If we were to go by what had unfolded in countries where the rates were deregulated, banks are likely to roll out a large variety of savings account with different parameters and interest rates. It has also been observed that the rates were generally higher than the prevailing rate. On their part, customers have started actively managing their savings and started moving their savings from their existing accounts to others offering higher rates of interest.    Coming to our country, the banks are unlikely to raise rates across the board. They may continue the typical savings account the offer now, complete with unlimited number of withdrawals, free cheque book, branch, phone, and internet banking access and so on. However, these accounts are likely to offer lower rate of interest as banks have to recover the cost of offering all the free services.    However, they would also offer savings account which may fetch higher interests. However, these accounts are likely to have many restrictions. For example, the bank can impose restrictions on withdrawals, either through number of transactions, access to branches or transaction amounts. The bank may also insist that one should keep a higher minimum balance in these accounts. However, all these restrictions would be rewarded by higher market-related interest rates.    According to an expert, a typical example of such type of account is the 'online only' accounts currently offered in countries like the US, UK and Australia. These accounts generally have the highest interest rates. In fact, the rates are almost close to FDs. Also, they generally do not offer cheque books. There are also restricted access to branches and the number of free withdrawals the customer can make. It is expected that these accounts will compete with savings that are currently being parked in fixed deposits and short-term Liquid Funds.     Taking a final call As you can see, deregulation –when it happens – would result in better rates and increasing number of complex products due to the likely product innovation in the banking industry. Customers should also be prepared to see the rates going down in future. "In a rising rate regime like the current one, a deregulated savings interest rate will provide customers the opportunity to earn a higher than they currently earn on their savings accounts. However, it is also equally true that deregulation can also have the reverse effect. That is, when interest rates start going down, the savings account rates will also would start to move down much faster than when it were regulated.    Against this backdrop, it is extremely important for customers to understand what deregulation means to them and what they may need to do to benefit from it. If you want to earn more, you should select the best account that would suit your needs. This is because after deregulation there would be typically two types of account: one that offers higher rates but with some restrictions and another with lower interest rate but with lot of free facilities. It is entirely up to the individual to figure out how to manage his liquid savings to maximise the returns. Choosing the wrong account can often result lower returns as the higher transaction costs can eat into the benefit of the higher rate.    Ideally, a person should have two accounts. One to park his liquid savings and the other to carry out the transactions he may have to undertake every month. This would ensure that the liquid savings would earn more interest. If you think it is too much of headache, dont worry. Banks are likely to introduce products that would allow you to sweep your liquid cash so that you would earn more interest on it. It is almost similar to the sweeping facility already allowed by some banks. In short, deregulation of saving account rate would require you to keep a close watch on your transaction and saving pattern. That is, if you want to benefit from the deregulation of rates. A NEW DEAL FOR SAVERS Deregulation won't result in higher rates on savings account all the time When the interest rate falls, you would earn less on your savings account, too. Banks are likely to introduce different variety of accounts with different facilities and rates Ideally, one should have two accounts. One for saving and another one for transactions Watch your transactions and savings pattern before deciding on the type of accounts

How to Invest Online in Edelweiss Mutual Fund? Posted: 30 Oct 2011 08:58 AM PDT   Benefits of Investing Online:   ·                           You can purchase, redeem and order any transactions online. ·                           There is no need for you to contact the broker or any intermediate person for the transaction. ·                           You can view all the portfolio details of your folios online. ·                           You can generate Account Statements; view the past transactions and any other details. ·                           You can update your personal details online.   Transact Online: http://www.edelweissmf.com/UI/Investor/Transaction/SchemeSelect.aspx?Agent=ARN-74461     Refer below for more Info…… http://prajnacapital.blogspot.com/2011/06/buying-edelweiss-mutual-funds-online.html   -----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

Should you invest in tax-free infra bonds? Posted: 30 Oct 2011 08:28 AM PDT THOSE looking to save tax should take note of the latest buzz in the debt markets. Power Finance Corporation (PFC) and Housing Urban Development Corporation (Hudco) have launched bonds that will help you save more tax than your regular infrastructure bonds. Soon, IRFC and NHAI are likely to follow suit with similar bonds. KP Jeewan, general manager, debt markets, Karvy Stock Broking, says: "The coupon in these bonds are completely tax-free and those in the highest tax bracket can expect an effective yield of 10.75 per cent, compared to the 9.5 per cent a 10-year public sector bond would offer." The PFC and Hudco offerings are of 10- and 15-year tenures, with coupon rates of 7.5 and 7.75 per cent, respectively. Unlike other regular tax-free infra bonds, the tax benefits in these bonds are not capped at `20,000. Even besides these tax free bonds, those in the highest tax bracket have had plenty of opportunities to invest in tax saving infrastructure bonds under 80 CCF in the last two years. Industrial Finance Corporation of India (IFCI), Indian Development and Finance Corporation (IDFC), Rural Electrification Corporation (REC), L&T and India Infrastructure Finance Company Limited (IIFCL) have flooded this space. Killol Pandya, head of fixed income, Daiwa Asset Management, says: "Investors comfortable with locking in their money for a long time, will find these bonds useful. But one should only park, funds that they will not need anytime soon." These bonds have tenures of 10 years or, at times, even 15 years, and offer rates accordingly. The interest payout is yearly, and the different bonds also offer a buyback option. One of the primary reasons investors would consider these bonds is the additional tax savings on the interest earnings of `20,000 over and above the `1lakh investible limit, which one would enjoy. The 80CCF tax benefit is valid only for this year and should be utilised. Most of these bonds have a five-year buy back option with a 10-year tenure, so for a five-year investment horizon, this is a good option. If you are an investor who wishes to make the most of the tax break and have a lowrisk and -return investment that you can hang on to for a long tenure, this is an asset to consider. MahThe product has limited appeal and is suited for investors within the `3-5lakh tax bracket who can make the most of the `20,000 tax-free investment portion. Interest income over that is taxable. These bonds are benchmarked to the ten-year government bonds, and, with the bonds gaining basis points, the debt market retail space may see more action.   -----------------------------------------------------------------   Also, know how to buy mutual funds online:   Invest in DSP BlackRock Mutual Funds Online   Invest in Reliance Mutual Funds Online   Invest in HDFC Mutual Funds Online   Invest in Sundaram Mutual Funds Online   Invest in Birla Sunlife Mutual Funds Online   Invest in IDFC Mutual Funds Online   Invest in UTI Mutual Funds Online    Invest in SBI Mutual Funds Online   Invest in L&T Mutual Funds Online   Invest in Edelweiss Mutual Funds Online

You are subscribed to email updates from Prajna Capital - An Investment Guide To stop receiving these emails, you may unsubscribe now.	Email delivery powered by Google
Google Inc., 20 West Kinzie, Chicago IL USA 60610