Rohit Shetty is coming with Golmaal series movie again and it's releasing this Diwali. You can expect full on entertainment like previous Golmaal movies.
Here is Golmaal Again movie trailer
Here is Golmaal Again movie trailer
Friday, September 22, 2017
Sunday, September 10, 2017
National Pension Scheme (NPS) - Good option for retirement with tax saving
When I opted for National Pension Scheme(NPS) 3 years back, the main purpose was to save tax. Yes, NPS help us reduce tax liability but it also gives you option for some pension option after retirement. There are benefits as well as drawbacks of NPS which i would like to explain. It will help someone to decide when he/she plans to opt for NPS.
Person between age 18 to 60 can join NPS scheme.
How it works:
There are 2 ways you can open NPS account.
1. Through Employer
2. Self
1. Through Employer: Contribution of up to 10% of your basic salary. Entire amount is exempted and will not be included in Taxable income.
2. Self: You can open NPS account in with any of the NPS POP-SP (Point of presence - Service provider). Steps to open NPS account is available on NPS website at https://www.npscra.nsdl.co.in/steps-to-join-nps.php
Don't worry of these complex terms like POP-SP, Almost all well known banks are NPS service providers so you can go to any bank and collect NPS account opening form.
You can also download form from NPS website at
https://npscra.nsdl.co.in/subscribers-corner-form.php
There are 2 types of account option
You have to also select pension fund manager at the time of account opening.
Here is list of Pension Fund managers:
Person between age 18 to 60 can join NPS scheme.
How it works:
There are 2 ways you can open NPS account.
1. Through Employer
2. Self
1. Through Employer: Contribution of up to 10% of your basic salary. Entire amount is exempted and will not be included in Taxable income.
2. Self: You can open NPS account in with any of the NPS POP-SP (Point of presence - Service provider). Steps to open NPS account is available on NPS website at https://www.npscra.nsdl.co.in/steps-to-join-nps.php
Don't worry of these complex terms like POP-SP, Almost all well known banks are NPS service providers so you can go to any bank and collect NPS account opening form.
You can also download form from NPS website at
https://npscra.nsdl.co.in/subscribers-corner-form.php
There are 2 types of account option
1. Tier 1 which is default and mandatory. All tax benefits are applicable to Tier 1 investments.
2. Tier 2 which is optional.
When you contribute your money in NPS account, it is distributed into 3 types of Fund.
1. Type E - Equity
2. Type C - Corporate bonds
3. Type G - Government bonds
You will choose percentage of distribution in each fund at the time of account opening.
You have to also select pension fund manager at the time of account opening.
Here is list of Pension Fund managers:
- UTI Retirement Solutions
- HDFC Pension Fund
- ICICI Prudential Pension Fund
- Kotak Pension Fund
- Reliance Capital Pension Fund
- SBI Pension Funds
- LIC Pension Fund
- Birla Sun Life Pension Management Ltd
You can compare past performance of these funds before selecting your option.
Here is link: http://www.npstrust.org.in/index.php/navreturns/returns
Tax benefits:
1. Employer contribution which is 10% of your Basic is tax free under Section 80CCD(2).
2. Additional contribution of Rs. 50000/- under section 80CCD(1B).
These are few basic things to know while investing in NPS.
I will give more details in about it in another post.
Saturday, September 9, 2017
New serial on Zee Marathi - Sambhaji
New serial on Sambhaji maharaj is coming soon on Zee marathi.
Here is a video which Zee Marathi has shared on twitter account.
Here is a video which Zee Marathi has shared on twitter account.
महाराष्ट्राच्या इतिहासातील एक अनन्यसाधारण पराक्रमी वादळ पुन्हा घोंगावणार...!! लवकरच #SwarajyaRakshakSambhaji pic.twitter.com/kaSHCErOU7— Zee Marathi (@zeemarathi) September 6, 2017
Update: Amol Kolhe will be playing role of Sambhaji Maharaj.
Serial will start from Sunday 24th September with 2 hours of special episode.
It will be at 9.00 p.m. on Zee Marathi every day starting from next Monday.
Sunday, August 27, 2017
Cryptoinbox - looks like one more MLM trap
Last week, i came across one multi level marketing plan which is using Bitcoin buzz to trap people.
It is Cryptoinbox.
Person who is behind Cryptoinbox is having background of luring small investors and finally closing the operations. In a way looting money from small investors.
Subhash Jewria has started this MLM scheme by using Bitcoin as a buzz word. Few years back, he has started prepaid card 'Done Card' but now you dont see it any where. You will find complaints of customer who have recharged card but could not use it as company stopped translation using card.
This person also has habbit to open company in London with net worth of 1 pound. Yes you read it correctly. 1 pound.
You can see one such company with name - Jewria service club uk ltd which was opened in 2011 and closed in 2014.
http://www.bizdb.co.uk/company/jewria-service-club-uk-ltd-07669877/
Now in May 2017, he has opened ATC Coin Ltd with net worth of 1 pound again.
So will he close it in early 2020 or even before that???? Let's see.
Go to link below and type atc coin in search box. You will find documents related to company.
http://www.bizdb.co.uk/companies-search/
But everyone, please be aware and save your hard earned money.
Friday, August 25, 2017
New marathi movie trailer - Boyz
One more marathi movie on school life. Boyz is releasing in September 2017.
Here is official trailer of the movie.
Here is official trailer of the movie.
Saturday, August 19, 2017
Few good Mutual Funds for Systematic Investment Plan (SIP)
Here are few good Mutual Funds for SIP
Large Cap:
1. Birla Sun Life Frontline Equity Fund
2. Kotak Select Focus Fund
Small & Mid Cap:
1. DSP BlackRock Small and Mid Cap Fund
2. Mirae Asset Emerging Bluechip Fund
3. Reliance Small Cap Fund
Diversified:
1. DSP BlackRock Opportunities Fund
2. Sundaram Rural India Fund
Sectorial Fund:
1. Reliance Banking Fund
Large Cap:
1. Birla Sun Life Frontline Equity Fund
2. Kotak Select Focus Fund
Small & Mid Cap:
1. DSP BlackRock Small and Mid Cap Fund
2. Mirae Asset Emerging Bluechip Fund
3. Reliance Small Cap Fund
Diversified:
1. DSP BlackRock Opportunities Fund
2. Sundaram Rural India Fund
Sectorial Fund:
1. Reliance Banking Fund
Friday, July 28, 2017
Remake of Marathi movie in Bollywood - Poster Boys
Good to see Marathi movies are also gaining popularity in last few years. Now it's remake time. Watch here trailer of Hit Marathi movie 'Poster Boy's' remake in hindi.
https://youtu.be/4AP8NcW7I1w
Thursday, July 20, 2017
Sometimes Google also shows wrong result
It is well known fact that no software is 100% defect free.
Searched for Women's world cup today and google result showed wrong score between India vs Australia match.
Australia scored 245 but google result summary was showing 68.
Here is sceenshot of Google result.
Sunday, July 9, 2017
Wednesday, June 28, 2017
New Marathi movie trailer- Hrudayantar
Next week, Marathi movie Hrudayantar is releasing.
Release date is 7th July, 2017.
Here is official trailer of the movie.
https://youtu.be/A7n7WBTGe7k
Thursday, June 22, 2017
Systematic Investment in Mutual Funds
How to start mutual fund SIP online (without any agent)?
Many of us think on buying a mutual fund and their assumption is that if we buy it online, there will be no commission. There are many sites which says they are channel for online mutual fund purchase. All this is just a marketing strategy to attract small investors like us.
So which is the best option to start a Mutual fund SIP?
There are different categories of mutual funds like LargeCap, Small & Mid Cap, Diversified, Sectorial, ELSS.
If tax saving under Income tax section 80C is not the purpose of your investment, then that is good point to start with.
First and most important suggestion is that Don't invest in too many funds. 5-8 mutual funds of different categories are enough.
Do some research and finalize the mutual fund in which you are planning to start SIP.
There are many ways to finalize good mutual fund.
Assume that you have Rs.10,000 to invest in Mutual fund through SIP every month.
What you should do next?
1. Do not invest in single fund.
2. Do not invest in funds of only one category.
3. Best ways to invest is divide your investment amount as 40% in Largecap, 30% in Mid & smallcap, 20% in diversified, 10 % in Sectoreal. (You can decide on percentage)
4. Sectorial funds are more risky so keep track of that fund and you can switch/move funds between different sectors but don't do it more than once per two years.
Where to Invest
Division of your 10000/- will be
1. 4000/- in LargeCap - Choose 1 or 2 good performing Funds
2. 3000/- in Mid & SmallCap - Choose 1 or 2 good funds
3. 2000/- in Diversified - Choose one good fund
4. 1000/- in Sector fund - Choose one good fund
So you will invest in around 4 to 6 mutual funds only.
If you feel that your fund is not performing good enough, you can change fund but it should not be done before analyzing your SIP returns for at least 15 months.
How to Invest
Go to mutual fund website and there is option for online investment option.
Choose Direct plan of mutual fund
There is no agent commission in Direct plan so you will find difference in NAV of Direct and regular plan of same mutual fund.
Difference between Direct and Regular plan of Mutual Fund
Many of us think on buying a mutual fund and their assumption is that if we buy it online, there will be no commission. There are many sites which says they are channel for online mutual fund purchase. All this is just a marketing strategy to attract small investors like us.
So which is the best option to start a Mutual fund SIP?
There are different categories of mutual funds like LargeCap, Small & Mid Cap, Diversified, Sectorial, ELSS.
If tax saving under Income tax section 80C is not the purpose of your investment, then that is good point to start with.
First and most important suggestion is that Don't invest in too many funds. 5-8 mutual funds of different categories are enough.
Do some research and finalize the mutual fund in which you are planning to start SIP.
There are many ways to finalize good mutual fund.
Assume that you have Rs.10,000 to invest in Mutual fund through SIP every month.
What you should do next?
1. Do not invest in single fund.
2. Do not invest in funds of only one category.
3. Best ways to invest is divide your investment amount as 40% in Largecap, 30% in Mid & smallcap, 20% in diversified, 10 % in Sectoreal. (You can decide on percentage)
4. Sectorial funds are more risky so keep track of that fund and you can switch/move funds between different sectors but don't do it more than once per two years.
Where to Invest
Division of your 10000/- will be
1. 4000/- in LargeCap - Choose 1 or 2 good performing Funds
2. 3000/- in Mid & SmallCap - Choose 1 or 2 good funds
3. 2000/- in Diversified - Choose one good fund
4. 1000/- in Sector fund - Choose one good fund
So you will invest in around 4 to 6 mutual funds only.
If you feel that your fund is not performing good enough, you can change fund but it should not be done before analyzing your SIP returns for at least 15 months.
How to Invest
Go to mutual fund website and there is option for online investment option.
Choose Direct plan of mutual fund
There is no agent commission in Direct plan so you will find difference in NAV of Direct and regular plan of same mutual fund.
Difference between Direct and Regular plan of Mutual Fund
Direct plan : You subscribe directly without agent. Expense ratio is less than regular plan.
Regular : Subscribed through agent.
Saturday, April 22, 2017
Bahubali 2 official trailer - Releasing on 28 april 2017
Much awaited movie of 2017 - "Bahubali 2" is releasing on 28th April 2017 and it will definitely break all the box office collection records.
Here is official trailer of the movie.
https://youtu.be/G62HrubdD6o
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