Thursday, January 31, 2013

Pet Veterinarian-Start Searching Immediately for your Pet's Health Sake

Your AMAZINES.COM Subscription Article(s)

(Article Abstract)
Look Your Best With These Solid Weight Loss Tips!
by Christopher Naehring

Losing weight is easier than many people tend to believe. Weight loss takes sustained effort over time, but the benefits are definitely worth it.

There will be lots of natural fluctuations in your weight. Monitor your weight trends as opposed to weighing yourself every day. Your progress is probably fine as long as the o...

To view the entire article, click here.

(Article Abstract)
Teaching An Old Dog New Tricks
by Julian Larson

There's an old saying that you can't teach an old dog new tricks. Although it may be a popular saying, it really is not true at all. As a matter of fact, it's not only possible for you to teach an old dog new tricks, if you know how to train them properly, you can teach them some old tricks as well. Of course, each dog is going ...

To view the entire article, click here.

(Article Abstract)
The Benefits of Hiring An Experienced Dog Trainer
by Cara Bird

Although many pet owners are going to train their animal in a group session, there are times when specific needs must be addressed, particularly when problems arise. Teaching your dog how to sit and stay or to come on command is certainly going to be beneficial in a number of different ways. You need to keep in mind, however, th...

To view the entire article, click here.

(Article Abstract)
How To Take Care Of Your Dog In The Heat
by Marisol Berry

I'm sure that you are interested in making your animal as happy, comfortable and healthy as possible. This would include keeping them well fed and ensuring that they get adequate exercise. It is also very important for you to consider the specific needs of your dog which may vary from one breed to another as well as varying from...

To view the entire article, click here.

(Article Abstract)
Pet Veterinarian-Start Searching Immediately for your Pet's Health Sake
by Caylen Adams

A pet animal is always an adorable member to our family. It keeps us happy all the time. We get worried when it's met an accident or seriously ill. That's why a veterinarian is needed all the time for your pet animal. Nowadays, there are few things as quite as upsetting to each and every member of a family than the death of a b...

To view the entire article, click here.





This message was sent to you because you opted to receive articles from AMAZINES.COM. If you would like to unsubscribe from AMAZINES.COM's article emails, click on the following URL: http://www.amazines.com/subscriptions.cfm

[New post] Veterans Today Article… “Last Lap Dance for the Bankers – Iceland Speaks”

kauilapele posted: "I do not usually post bank type stories, but given the recent "Drop Your Paradigms" post, this article from VT seemed to fit right in. This interview apparently came from the recent World Economic Forum, in Davos, Switzerland. I sense that the title of"

Daily Headlines: Thursday, January 31, 2013

Insurance Journal Daily Headlines
January 31, 2013
News By Region  National  International  East  Midwest  Southeast  South Central  West Video

Today's Headlines

National

Next Battle in Patent Wars: Smartphone Cases

The smartphone patent wars have lit up courtrooms around the world. Next up: the smartphone case wars. The makers of protective cases that ...

How Agents Survived a Falling Housing Market

It has not been easy being an insurance agent specializing in the homebuilders insurance market during one of the worst economic recessions ...

Native American Tribes Gain Direct Route to Disaster Funds

The new law providing federal disaster aid for victims of Superstorm Sandy includes a provision that makes it easier for native American ...

Command Investigations, Frank Winston Offer Anti-Fraud Services

Frank Winston Crum Insurance Co. has formed a business partnership with Command Investigations, LLC as a preferred provider of anti-fraud ...

From MyNewMarkets.com Insurance Segments to Watch in 2013 - Part Two: Healthcare

While many in the insurance industry were focused on the cyber liability, cargo theft, and weather segments in 2012, this year a number of...
East

A Closer Look at Sandy Recovery Package: What's Included in $50.5B Aid?

President Barack Obama has signed into law a $50.5 billion emergency measure for Superstorm Sandy victims. Here is a quick look at how the ...

Rhode Island Nightclub Owners Still Owe $1M Workers' Comp Penalty

A Rhode Island judge is questioning why the owners of a nightclub where 100 people died in a fire in 2003 still haven't paid a $1 million ...

Ironshore International Names Marine Re Unit President in New York

Ironshore International announced that Steven W. Komis has been appointed as president of Marine Re, based in New York. Komis will oversee ...
Midwest

Kansas Bill Would Limit Employer Access to Applicants' Social Media Accounts

Two Kansas lawmakers are seeking support for a measure that would limit employers' access to job applicants' social media accounts. Rep. ...

Barnes & Thornburg Adds Insurance Recovery Group in Minneapolis

Three insurance recovery attorneys have joined Barnes & Thornburg LLP's Minneapolis office as partners in the firm's Policyholder Insurance ...

Court to Des Moines, Iowa: Stop Franchise Fee Lawsuit Opt Out Letters

The city of Des Moines, Iowa, has been ordered by a judge to stop asking individuals and businesses to opt out of a lawsuit in which the ...
Southeast

North Carolina Cites $26M in Consumer Recoveries in 2012

North Carolina's Insurance Commissioner Wayne Goodwin announced that the state's insurance department saved or recovered more than $26 ...

Severe Weather Awareness Week to Be Observed Feb. 4-8 in Georgia

Severe Weather Awareness Week in Georgia has been schedule for Feb. 4 - 8 -- and the state's Insurance Commissioner Ralph Hudgens wants to ...

Insurance Manager Sentenced for $730K Fraud in North Carolina

Authorities announced that a Charlotte, N.C., woman was sentenced to 41 months in prison, to be followed by three years of supervised ...
South Central

Dallas Cowboys to Look at Drunken Driving After Arrests

The Dallas Cowboys are looking for ways to improve how the team handles drunken driving in the wake of two high-profile arrests and the car ...

Legislation Would Eliminate a Gun-Related Felony in Oklahoma

Legislation filed by an Oklahoma state lawmaker would eliminate a felony for law-abiding gun owners. Rep. Paul Wesselhöft has introduced ...

Texas Online Insurance Comparison Start-Up Raises $1.5M

Insurance Zebra, a Texas-based online insurance comparison platform, announced it has raised $1.5 million in start-up capital from a group ...
West

Crum & Forster Taps Burr as VP of California Workers' Comp Claims

Crum & Forster hired George Burr as vice president of California workers' compensation claims. Burr will manage C&F's West Coast workers' ...

Southern California School Leaders Sued Over Teacher Sex Abuse

The current Los Angeles schools superintendent and five of his predecessors in Southern California have been sued on grounds that they ...

Colorado Politicians Mad Over Sandy Bill Minus Wildfire Aid

Colorado politicians are steaming that $125 million in aid for last year's wildfires was removed from the Sandy relief bill. The ...

Nevada Workers' Comp Loss Costs: Small Increase in 2013

Thanks to rising medical costs many Nevada employers will see a small increase in the premiums they pay for workers' compensation insurance ...
International

Japan's ANA Counts Cost of Grounded 787; Not Yet Seeking Damages

All Nippon Airways Co, the launch airline for Boeing's 787 Dreamliner jet that has been grounded with undiagnosed battery problems, said it ...

FUNDACIÓN MAPFRE's Report on Latin America Market in 2012 Shows Strength

Of the 18 countries analyzed in the most recent report published by FUNDACIÓN MAPFRE, The Latin American insurance market, saw a 14.1 ...

Willis ILS Reports 2012 as 2nd Strongest Cat Bond Issuance on Record

According to figures compiled for Willis Capital Markets & Advisory (WCMA), part of global insurance broker, Willis Group Holdings, "last ...

Arc Legal Joins UK Market MGA Organization

Arc Legal Assistance, which provides legal expenses insurance and related services, has become a member of the Managing General Agents' ...

S&P Ratings for Guernsey Affirmed at 'AA-plus'; Then Withdrawn

Standard & Poor's on Wednesday affirmed its rating of offshore tax and banking haven Guernsey at AA-plus, but then withdrew the rating at ...

Too Early to Know Cost of 787 Dreamliner Claims, Says Boeing's Insurer

Boeing Co. has some insurance in case its aircraft are grounded, but it is far too soon to say whether the problems with the 787 Dreamliner ...

Join the Insurance Journal Network

Twitter Facebook LinkedIn


Insurance Journal TV

Video thumbnail

North Carolina Home (Insurance) Improvement: Commissioner Goodwin

Recently re-elected North Carolina Insurance Commissioner Wayne Goodwin welcomes his expanded...
Video thumbnail

Effects of Worldwide Economic Instability on American Companies

Despite a slightly improved economy here in the U.S., the global economy is not out of the...

TV icon Watch more videos at InsuranceJournal.tv

New Discussions in the Forums

Could your music influence your insurance score?
Posted: Thu Jan 31 -- Actually it is not new. This pot has been boiling for a little while now and companies are hot and heavy into developing their own database... edbowling
1st Year as a Producer Stories
Posted: Wed Jan 30 -- Dude you are way ahead of me already in that you are "marrying well". I worked for a large carrier for 20 or more years, opened my own... JohnnyLaw
The New Small Insurance Agency
Posted: Tue Jan 29 -- Fortunately, opportunities are everywhere given the wide range of products that can be offered. The major challenge is being able to... DBL Surety
Imprezzio Marketing: SEO Firm
Posted: Tue Jan 29 -- I agree with much of what d says. Here is a good thread about SEO from a few years back... sankykid
State Auto Opinions
Posted: Tue Jan 29 -- Thanks Small Town, I have called with billing and EFT issues and the customer service reps were excellent to work with. JohnnyLaw
What is your biggest pain as an agent?
Posted: Tue Jan 29 -- I'm with lonestar on this one. A colleague of mine called the other day a little nervous about the new State Farm commercial where after a... Smalltownagent
Insurance Noodle vs. Superior Access vs. Agent Secure
Posted: Mon Jan 28 -- These MGA's are working on quantity and the system is set up for expedicious processing when a risk meets a tight set of guides and thus,... d's insurance store
Need state insurance requirements to open a boys home
Posted: Mon Jan 28 -- Risk in ca. Need insurance requirements when opening a boys home. Thanks Trotter trotter
Can an insured buy Contractual liabiliy as separtate policy
Posted: Mon Jan 28 -- Risk in Ca. Sub Contractor needing to satsfiy gen contractor for contractual liability. Current gl doesnt offer what gen contractor is... trotter

Reader Comments

What Employees Should Know About Healthcare Changes Ahead
Posted: Sat Jan 26 -- Slow down folks - let's figure out what is happening to the health care industry. It boils down to this - health care in America will soon... George B Taylor Sr
Nebraska Bicyclist Sues Homeowners over Crash on Trail
Posted: Wed Jan 30 -- Based on his self-entitlement philosophy and mentality I am pretty sure he voted Obama. MeIsEinstein
Blogger Defends Against Cincinnati Bengals Cheerleader's Defamation Claim
Posted: Fri Jan 25 -- I believe in freedom of speech and having an opinion. I disagree that we need to continually share it with the general public, especially... Huh!
Fraud Concerns Linger Over Illinois Driver License Law
Posted: Tue Jan 29 -- Lovely, just lovely. Lets invite more Non Tax Paying people to our already broke state. FFA

Current Issue

January 28, 2013
Current Issue
Excess, Surplus & Specialty Markets Directory, Volume I

More Newsletters

Choose Newsletters
Enter Your E-mail

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.
Insurance Journal
3570 Camino del Rio North, Suite 200
San Diego, CA 92108
(800) 897-9965
Copyright © 2013 by Wells Media Group, Inc.

[New post] Sophia Love 1-31-13… “Now About that Pot of Gold…”

kauilapele posted: "Okay... This is what I was talking about in the update to the last post. One highlight... "This Shift calls us to change the way we think about gold, silver and precious metals. Think of them as alternate expressions of life, here to use but not own. Ow"

[New post] Sophia Love 1-31-13… “Now about that pot of gold…”

kauilapele posted: "Okay... This is what I was talking about in the update to the last post. One highlight... "This Shift calls us to change the way we think about gold, silver and precious metals. Think of them as alternate expressions of life, here to use but not own. Ow"

Prajna Capital

Prajna Capital


IDBI Rajiv Gandhi Equity Savings Scheme Series 1

Posted: 31 Jan 2013 03:20 AM PST

Invest In Tax Saving Mutual Funds Online

Call 0 94 8300 8300 (India)

IDBI Rajiv Gandhi Equity Savings Scheme Series 1

now IDBI has also filed a prospectus for their own RGESS Fund, and it differs from the SBI RGESS fund in some fundamental ways.

First of all this is a close ended scheme where SBI RGESS was an open ended scheme. The lock in period of this fund is 3 years but it will list in NSE and BSE so people can trade the units on the exchange. I'm not sure what the situation with other mutual funds is right now and how liquid they are to trade in the stock exchange, and if you are investing in this scheme then it's better to assume that your money will be locked in for 3 years.

The fund has a lock in period of 3 years because the RGESS requires it – how SBI doesn't have such a lock in is not clear to me, but IDBI has clearly specified this lock-in period, and maybe SBI will file in a revised draft which will have such a lock in as well.

Anyone who wants to invest in this fund is free to do so, and it is not limited to first time investors by IDBI. However, the presence of a lock in period means that people who don't want to take advantage of RGESS will be turned away from this fund. It really doesn't offer anything for you to lock-in your money for 3 years if you don't want the tax deduction.

What will IDBI RGESS Fund invest in?

The SBI RGESS fund was aimed at investing in only stocks that are part of the CNX 100. The IDBI RGESS Fund will also invest in these stocks, but in addition to that they can also invest in shares of public sector enterprises which are categorized as Maharatna, Navratna or Miniratna by the Central Government as these shares are also RGESS eligible securities.

Interestingly enough, IDBI has other funds that invest in RGESS eligible securities and as I said in my earlier post, I haven't read anything that tells me that existing funds are not eligible for the RGESS fund; if you know differently then please leave a comment.

Other funds from IDBI that invest in RGESS eligible shares:

  • IDBI India Top 100 Equity Fund: Invests only in Equities and equity related instruments comprising the CNX 100 Index.
  • IDBI Nifty Index Fund: Invests only in and all the stocks comprising the S&P CNX Nifty Index.
  • IDBI Nifty Junior Index: Invests only in and all stocks comprising the CNX Nifty Junior Index.

Actively Managed Fund

This is an actively managed fund which means the fund manager will pick and choose stocks in an attempt to beat the underlying index and generate extra returns.

Usually actively managed funds come with a higher expense ratio when compared with passive funds, and the expenses ratio of this fund is shown below according to the offer document:

(i) On the first Rs.100 Crores of the daily net assets 2.50%; (ii) On the next Rs.300 Crores of the daily net assets 2.25%; (iii) On the next Rs.300 Crores of the daily net assets 2.00%; (iv) On the balance of the assets 1.75%:

This indicates that this fund will not be low cost, and the expenses will be a bit high like other active funds. There will be both a dividend and a growth option, and investors can choose one of those.

They have just filed the draft document so dates for when this fund will open for subscription aren't out yet, and I will update this post with the dates when they are declared.

Happy Investing!!

We can help. Call 0 94 8300 8300 (India)

Leave your comment with mail ID and we will answer them

OR

You can write back to us at PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.

Invest Tax Saving Mutual Funds Online

Tax Saving Mutual Funds Online

These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)

Download Tax Saving Mutual Fund Application Forms from all AMCs

Download Tax Saving Mutual Fund Applications

These Application Forms can be used for buying regular mutual funds also

Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )

  1. ICICI Prudential Tax PlanInvest Online
  2. HDFC TaxSaverInvest Online
  3. DSP BlackRock Tax Saver FundInvest Online
  4. Reliance Tax Saver (ELSS) FundInvest Online
  5. Birla Sun Life Tax Relief '96 Invest Online
  6. IDFC Tax Advantage (ELSS) FundInvest Online
  7. SBI Magnum Tax Gain Scheme 1993Invest Online
  8. Sundaram Tax SaverInvest Online
  9. Edelweiss ELSS Invest Online

------------------

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Tax Saver MutualFundsInvest Online
      1. ICICI Prudential Tax Plan
      2. HDFC Taxsaver
      3. DSP BlackRock Tax Saver Fund
      4. Reliance Tax Saver (ELSS) Fund
    2. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund

Information about Gold Savings fund

Posted: 30 Jan 2013 11:51 PM PST

Invest Mutual Funds Online

Download Mutual Fund Application Forms

Buy Gold Mutual Funds

Information about Gold Savings fund

 

 

 

1

How to buy?

Just go to the designated sale centres approved by Reliance mutual fund and buy the Gold Savings Fund

2

What is the minimum investment amount?

Rs.5000

3

How can I sell the units of Gold Savings Fund

Just go to the centers of Asset management company and sell the units

4

Is Demat account needed to buy the fund

Most important advantage of this fund is that the, investors need not have Demat account.

5

Is SIP or EMI facility available in Gold Savings Fund

Usual SIPs available

1) Rs.100 per month
2) Rs.500 per month
3)Rs.1000 per month
4)Rs.500 and Rs.1500 per quarter.
( These are all minimum SIP options)

6

What is the entry load?

No entry load

7

What is the exit load?

Exit load of 2% if redeemed within the first year, and after that no exit load.

7

Tax

Long term capital gain tax after one year

8

Benchmark

It tries to track respective Gold ETF of the parent company in the exchanges

9

Asset allocation

95-100 % will be in Gold ETF and 0-5% will be in Fixed deposit and other money market instruments

10

Expenses

Recurring expenses for the scheme and expenses of the Gold ETF. Normally it comes to around 1% to 2%. Expense is higher than Gold ETF.

---------------------------------------------

Invest Mutual Funds Online

Transact Mutual Fund Online

Download Mutual Fund Application Forms from all AMCs

Download Mutual Fund Application Forms

Best Performing Mutual Funds

    1. Largecap Funds Invest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap Funds Invest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    1. Mid and SmallCap Funds Invest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    1. Small and MicroCap Funds Invest Online
      1. DSP BlackRock MicroCap Fund
    1. Sector Funds Invest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    1. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund

 

DSP BlackRock World Gold Fund

Posted: 30 Jan 2013 06:49 PM PST

Invest Mutual Funds Online

Download Mutual Fund Application Forms

Buy Gold Mutual Funds

DSP BlackRock World Gold Fund

 

DSP Black rock fund also invest in Gold and Gold related instruments. DSP Black rock fund is a World Gold fund which invest predominantly in Black Rock Global Funds - Global Gold Funds. It also invest in other mutual funds which invest in Gold related companies in the overseas markets. Like AIG World Gold Fund, it also invest a part of their portfolio in debt and money market instruments.

 

90-100% of the portfolio will be invested in Black Rock Global Funds - Global Gold Funds and related mutual funds overseas. Rest of the portfolio will be invested in debt and money market instruments.

 

DSP Black Rock World Gold Fund

 

1

Scheme available for investment in DSP Black Rock World Gold Fund

1) Growth
2) Dividend (both Payout and Reinvest)

2

Expense ratio

1.38%( as on June 2011)

3

Exit load

1% if the units are redeemed within one year of purchase

4

Asset size

1062 crores (as on June 30, 2011)

5

Launch date

Aug.2007

6

NAV on 1/7/2009

12.522

7

NAV 26/7/2011

19.002

8

Returns for said period

51.70%

9

Charges of buying and selling

Apart from annual maintenance charges, you have to pay brokerages, transaction charges, and other taxes.

10

Minimum investment

Rs.5000

 

--------------------------------------------

Invest Mutual Funds Online

Transact Mutual Fund Online

Download Mutual Fund Application Forms from all AMCs

Download Mutual Fund Application Forms

Best Performing Mutual Funds

    1. Largecap FundsInvest Online
      1. DSP BlackRock Top 100 Fund
      2. ICICI Prudential Focused Blue Chip Fund
      3. Birla Sun Life Front Line Equity Fund
    2. Large and Midcap FundsInvest Online
      1. ICICI Prudential Dynamic Plan
      2. HDFC Top 200 Fund
      3. UTI Dividend Yield Fund
    3. Mid and SmallCap FundsInvest Online
      1. Reliance Equity Opportunities Fund
      2. DSP BlackRock Small & Midcap Fund
      3. Sundaram Select Midcap
      4. IDFC Premier Equity Fund
    4. Small and MicroCap FundsInvest Online
      1. DSP BlackRock MicroCap Fund
    5. Sector FundsInvest Online
      1. Reliance Banking Fund
      2. Reliance Banking Fund
    6. Gold Mutual Funds Invest Online
      1. Relaince Gold Savings Fund
      2. ICICI Prudential Regular Gold Savings Fund
      3. HDFC Gold Fund