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Should you buy Gold from Banks ??

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The dream run up in Gold prices in last few years has enticed all and sundry as an attractive investment asset class. It has not only proved to be an excellent hedge against inflation a, reputation it holds with elan since time immemorial, but also, has delivered returns in excess of debt, equity etc as an asset class. Thus , it has emerged as the Best Investment Option in last few years. However, skeptics believe that gold has had its share of dream run and may not be possible for investors who are entering into now, to expect the same kind returns in future . But, if you are on of those who believe that best years of gold as an asset class is still ahead of us and want to invest in physical gold then you must be pondering where should you buy the gold from? These days we have seen most of the banks aggressively positioning them as place where one can buy physical gold bars/coins etc. The other option is offcourse our old Jeweller , both unorganized and large organised players...
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IPO INVESTING IN PSU - GOOD WAY OF MAKING MONEY IN STOCK MARKETS

I have always stayed away from directly getting into equity markets. This was inspite of my firm belief that equity is the best asset class to invest in if one intends to make money over long period of time. The reason why I stayed away was my inability to devote enough time to research the stocks before investing and hence I always relied on Mutual Funds for equity investing. But, I always had this urge of making quick buck in equity markets. The most popular mode of short term investing in stock markets in via trading either intra day or for few days trades. But IPO investing for listing gains can be a great opportunity for common people to make money in stock markets in India. This I can talk from my own experience of investing in CIL IPO. For retail investors there was money to be made in this IPO and I personally made About RS 19000 in this IPO on an investment of Rs 46000. That's cool 46% in less than a month's time. This extra 19000 could be used to pay off my electrici...
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HOW TO NEGOTIATE LOAN INTEREST RATE WITH BANKS

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Most of us have either taken a loan sometime in the past or will be required to take one to fund our car,home, education ,personal needs etc. As a prudent borrower we all look to get the loan at the best possible rate. We all want best deal from the bank. But do you know what exactly constitutes the best deal for you? Is it the rate of interest charged on your loan? or is the mode of interest charged i.e. fixed or floating? Or is it tenure of the loan? or is it something else? When a person takes a loan, he will most certainly look at the rate of interest charged to him on the loan . He wants a loan at the lowest possible rate of interest. This is not entirely wrong as lower the rate of interest, chances are that the deal would keep on getting better. Now , here I said "chances are" because lower rates do not necessarily mean a better deal or a cheaper loan. How is that possible? To find out the best possible deal on your loan, you should look at the IRR (Internal Rate Of R...
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