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Fixed deposits

In short, FDs are a ‘must have’ in everyone’s investment portfolio.

From in.news.yahoo.com:

FDs with floating Interest rates linked to base rate

Traditionally, fixed deposits, as the name suggests, earned interest at fixed rates. For example, if you took an FD with a bank for an amount of Rs one lakh earning an interest of 10 per cent per annum for a period of 6 months, your interest income would be Rs 5,063.

FDs are now being reinvented. The interest rates will now be linked to the base rate. What does this mean? It essentially means that your FD will not earn a fixed return – ironical isn’t it? This is because RBI requires banks to revise and update their base rate every quarter. The base rate will be revised in accordance with current economic situations, cost of funding for the banks etc. So, the interest rate on your FD is likely to vary every quarter, depending upon the market conditions. For example, SBI will offer a 5-year FD at interest rates equal to the base rate and 2- and 3-year term FDs at rates equal to the base rate less 0.25-0.5 per cent. Thus, if the base rate varies during the term of FDs, the interest rate on FDs will change accordingly.

The popularity of FDs may have reduced, in the past, because of low rate of interest but interest rates on FDs are on a rise and more and more investors are again considering investments in FDs.

Facebook

Britain presently occupies the second largest member population of Facebook in the world, at 25 million, which is spearheaded by the United States and followed by Indonesia and Turkey at the third and fourth positions, respectively.

From in.news.yahoo.com:

Despite Facebook getting its 500 millionth user in July, the average amount of time spent on the social networking website by a Briton has decreased from 30 minutes in December 2009, to 27.36 minutes in July 2010, a study by web-analytics firm Hitwise said.

Facebook is, however, still the second most visited site in Britain, after Google, and it accounts for one in every six webpages accessed in the country.

Robin Goad, Hitwise’s research director, says the figures show that Facebook is nearing its saturation point.

Goad also said that growth of Facebook in Britain has slowed to a significant extent over the last six months though market share of the social networking site in terms of page views has trebled over the last five years.

Alex Nowrasteh, a policy analyst at Washington-based Competitive Enterprise Institute, said in The Boston Globe, said that visas should be deregulated by the Congress and users should not be burdened with more regulations and fees.

From in.news.yahoo.com:

We realise it could impact Indian companies that invest in the United States and we also understand the potential impact on Indians who work in the United States as well as some American businesses,” State Department Deputy Spokesman Mark Toner said But, he said, the US was confident that its long-term economic partnership with India would continue to deepen and provide benefits for both societies. When asked that New Delhi was planning to take the US to the World Trade Organisation on the issue of steep increase in visa fee of certain H-1B and L1 categories, he said, “it is within India’’s purview to do that (take the issue to WTO).

” “I think we remain cognisant of the effect that this legislation may have on India, and we”re going to try to work with them to mitigate it. But beyond that, I don”t have a reaction.

I mean, we have got a robust economic partnership with India,” Toner said. The steep increase in visa fee of certain categories of H-1B and L1 visas was part of the USD 600 million border security bill signed by the US President Barack Obama, last week, to strengthen security along the US-Mexico border.

Nowrasteh also remarked that protectionist aspects of the legislation were concerning.

However, basic financial planning can help to a considerable extent in not only saving a good amount for the present and future, but it will also secure of life – yours and dependants.

From Economictimes.indiatimes.com:

BASIC FINANCIAL PLANNING

Emergency Fund: In the event of a temporary loss of income (due to illness or loss of job etc), the family needs to be well-insulated for four to six months of living expenses and other non-discretionary spending. An emergency fund of approximately 3 lakh needs to be created of liquid funds towards this need. The bank savings of 72,000 needs to be enhanced as early as possible since the current balance would suffice only over a month in case of such an eventuality.

Insurance Needs: Keeping in mind the educational aspirations for the child as well as future liabilities towards purchase of real estate, the couple needs to have a cover of approximately 60- 85 lakh jointly. Any shortfall in the existing cover should be suitably made good.

In short, things may appear difficult to handle in the first place but they can surely be managed with a high sense of care and diligence.

Sarma said that there will be no further delays in MNP implementation, which has been delayed many times in the past.

From in.news.yahoo.com:

The Department of Telecom (DoT) said operators must ensure that all inter-operator tests for porting the numbers from one service provider to another are completed before September 1, 2010, and in case they fail to meet this deadline, they will be barred from launching any new commercial services from September 1.

The announcement comes as key mobile service providers — Bharti Airtel, Reliance, Vodafone Essar, Tata Tele, Idea, STel and Aircel-are getting ready to launch high-speed 3G services from next month.

State-owned telcos Bharat Sanchar Nagar Nigam and Mahanagar Telephone Nigam Limited have said they are ready with the infrastructure to implement the MNP service.

It is worthwhile to note here that mobile number portability (MNP) is a service allowing a mobile user to change his operator without losing the number.

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It is believed that some cities of the country will see a unique though unwanted transformation wherein some cities may become larger than many countries of the world, in terms of size of population and gross domestic product (GDP).

From Economictimes.indiatimes.com:

While rapidly modernising cities such as Shanghai and Sao Paulo are winning business from centres such as London and New York, the slow pace of urban development in India is harming its cities, which by 2030 will be home to about 590 million people — nearly twice the population of the United States today.

Indian cities over the next two decades will also house 40 percent of the country’s population and generate some 70 percent of new job opportunities, McKinsey Global Institute (MGI), the research arm of consultancy McKinsey, estimates in a report.

To cater to this growth, India needs to invest $1.2 trillion in capital expenditure, mainly infrastructure, over that period, an eight-fold increase of current spending levels, MGI said.

“Across all major quality-of-life indicators, India’s cities fall well short of delivering even a basic standard of living for their residents,” the report said.

India now spends $17 per capita on urban infrastructure, compared to rival China’s $116.

That figure is clearly inadequate: while it took about 40 years for India’s urban population to rise by nearly 230 million in 2008, it will take only half that time to add the next 250 million people, analysts say.

This fall in quality of life can be noticed with the fact that more people in India have access to a mobile phone than a toilet, which is amusing and worrying at the same time.

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Sir Stuart Rose

The outgoing boss was able to scoop a bumper £4.3m in pay and bonuses last year, which is a whooping increase of nearly 140% on the previous 12 months.

From Guardian.co.uk:

Sir Stuart Rose, 61, was awarded a bonus of £2.8m in a year when M&S delivered a 5% increase in profits to £632m. The chain’s share price climbed 17% over its financial year – substantially less than the FTSE 100 gained in the same period.

Annual profits are still way below the £1bn recorded two years ago and the shares have slipped back 8% since the year-end in March. Rose did not earn a bonus in the previous year, when his salary and benefits totalled £1.8m. Other members of the M&S board were also rewarded with big bonuses. Together the five executive directors earned more than £12m, with clothing and homewares director Kate Bostock paid £2.5m and marketing director Steven Sharp receiving £2.3m.

Bostock’s basic salary of £549,000 was boosted with a bonus of £1.4m, a £255,000 cash “retention payment” and a £51,000 relocation allowance as well as a cash payment in lieu of pension contributions and nearly £40,000 of perks. The relocation payment was paid when Bostock took on homewares as well as clothing and needed to spend more time in the Paddington head office. An M&S spokeswoman said Bostock had moved “closer to London” from her home in Leicester.

Other members of the Marks & Spencer group were also rewarded with big bonuses despite the fact that annual profits were way below the £1bn recorded two years ago.