BEST INVESTMENT PLANS: 2008

Wednesday, October 29, 2008

Nokia

Connecting People
http://www.nokia.co.in/

Intel gamming

Get your game on – discover how Intel technology delivers a breakthrough gaming experience

http://www.intel.com/consumer/index.htm?iid=hdr+play

HP

Save big on power
Get power and performance with new HP Pavilion notebook for just $579.99.
Starting from: $579.99*
As low as $18/mo† Apply now. Get up to 90 days no payments.

COMPAQ

Learn & Shop - Compaq Presario products
Compaq notebook and desktop computers. Buy online or shop by phone: 800-888-0220

Tuesday, October 28, 2008

Technology and Research

Intel leads the way in cutting-edge research and technology. Learn how we continually raise the bar on innovation and excellence in our industry.
Technology
Architecture and Silicon
Product Technologies
Manufacturing
Research
Standards
Quality and Reliability

Intel pushes the boundaries of innovation so our work can make people's lives more exciting, fulfilling, and manageable. And our work never stops. We never stop looking for the next leap ahead—in technology, education, culture, manufacturing, and social responsibility. And we never stop striving to deliver solutions with greater benefits for everyone.

Friday, October 10, 2008

GUIDE TO RETIREMENT

SOCIAL SECURITY
How does Social Security work?
Does it only cover retirees?
How does Social Security work?
Am I eligible for benefits?
How do I know I'm getting credit?
When am I eligibile for Medicare?
When can I start getting payouts?
Should I wait past age 62?
How much will I get at age 62?
How much will I get at age 70?
Can I collect if I'm still working?
When should I start collecting?
How big will my payouts be?

GUIDE TO RETIREMENT

GETTING STARTED
When should I start saving?
Where should I save for retirement?
How should I invest the money?
How should my strategy change?
How much money will I need?
Will Social Security be enough?
How much should I save?
What if I can't save enough?
Can I get by on less?
What if I'm running out of time?
What if I fall short?
When can I retire?

IPOs

Invest in the latest IPOs from anywhere
No hassle, no paperwork with our fully online process
Get access to cutting edge research reports about the latest IPOs
All IPO application forms available at one place

MUTUAL FUNDS

Invest in funds from 9 AMCs within minutes
Find the Mutual Funds best suited for your needs
Invest in ELSS funds to save tax
Track your Mutual Fund Investments

EQUITIES

Buy and Sell shares within minutes
Trade in NSE & BSE
Get access to the research reports which help you win
Latest news on your stocks
Track & Manage your portfolio effectively

TataCapitalOnline.com

So you can be a confident mutual fund investor!
Mutual Funds have been steadily rising in popularity as a form of investment. While they have several inherent advantages, the common reasons to prefer them are:
Potentially higher returns as compared to bank deposits
A possible hedge to counter the effect of inflation
Helping in asset allocation and diversificationThe question now is, how to proceed to select a fund and a scheme to invest in. That's where our advisors in Tata Capital will render much assistance. As an independent Financial Advisor, the Company distributes the schemes of virtually all the leading Mutual Funds in the country. Our specialists will furnish all the relevant information, backed by extensive research, to help you decide the most suitable fund for your financial planning. And of course, you can confidently choose to subscribe then and there, as you would have got reliable answers to all your queries.So go ahead, take your pick from the best opportunities in Mutual Funds, backed by customer-friendly support from Tata Capital.

Wednesday, July 2, 2008

5. Don’t confuse Terminal Illness cover with Critical Illness cover.

A Critical Illness policy pays out the insured lump sum if you are diagnosed with one of a wide range chronic illness and there is no life expectancy criteria. Indeed, with many of the insured illnesses you could expect to survive for many years. For example: certain cancers, heart disease, stroke, multiple sclerosis, loss of speech, sight or hearing, onset of Parkinsons or Alzheimers disease, third degree burns etc. Say you were an engineer aged 40 and you lost your sight. A Critical Illness policy would pay out immediately and that money could well be vital in helping you and your family through many difficult financial years ahead. If you just had Terminal Illness cover there’d be no chance of a payout.

4. Taking out a Life Insurance Policy? Now would be an ideal time to include Critical Illness cover.

Firstly, a Life Insurance policy combined with Critical Illness cover will work out significantly cheaper than buying two separate policies. Secondly, as we have already explained in the footnote to Tip 2, you may be able to buy a combined Life and Critical Illness policy with a guaranteed premium. That could be a real bargain. Finally, premiums for critical illness cover increase rapidly as you get older – so the sooner you take it out, the cheaper it will be.

3. Thinking about a Joint Life Insurance Policy?

A Joint Life Insurance policy is usually written on a first death basis. This means that the policy will pay out on the death of the first policyholder, subject to the policy being in force at the time. This leaves the second person uninsured and older. Older people can struggle to get life insurance at an affordable premium, so rather than a Joint Policy consider taking out separate policies now. Overall it will work out a little dearer - but you get twice the cover and double the peace of mind.

2. In the early years a Reviewable Life Insurance Policy will be cheaper but a Guaranteed Policy will work out a better buy in the longer term.

With a “Guaranteed Policy” the insurance company guarantees never to increase your policy’s premium. With a “Reviewable Policy” you agree that your insurance company can review the cost of your policy at regular intervals. But don’t be kidded – in our experience a “review” is just another word for a price increase. After all, who’s ever heard of an insurance company passing up a chance to charge you more! The review intervals are usually between 2 to 5 years but this does vary between insurance companies. You will find the details of the review intervals on the documents sent to you before you accept the insurance – these are called The Key Features Documents. So, comparing otherwise like for like policies, in the early years the premiums for a “Reviewable Policy” will undoubtedly be lower than the premiums for a “Guaranteed Policy”. Thereafter, the premiums for a Reviewable Policy increase eventually catching up with and overtaking, the premium for a “Guaranteed Policy”. In our experience, you can expect the monthly premiums for a Reviewable Policy to exceed those of a Guaranteed policy in about 7 to 10 years and then within the following 10 years, more than double again. If your budget is currently tight then by all means choose a Reviewable Policy - after all your salary may increase in coming years and ease the strain. On the other hand, if the premiums for a Guaranteed Policy are affordable, we think they represent your best buy.

1. Always have your Life Insurance policy “

This means that in the event of a claim, the money goes directly and immediately to the person(s) you nominate when you first take the policy out. It also avoids all possibility of your estate having to pay Inheritance Tax on the proceeds of your policy and that could represent a 40% tax saving ! All you have to do is tell the online brokerage organising your policy that you want your policy “Written in Trust” and the names of the people who the life insurance company pay in the event of a claim. They will then sort it all out for you. The extra good news is that this service is invariably free of charge. So it’s a win win situation and there aren’t many of those around these days

Life Insurance - Money saving Top Topis

More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product. Despite the underlying simplicity of life insurance, most web sites channel their online clients through a telephone based help and advice service manned by experienced personnel. They represent your safety net so if a little technical knowledge is called for, help is at hand. But it’s always a good idea to have a few Top Tips in your back pocket when you’re shopping online for life insurance. They’ll help you ask the right questions and find the best policy.

Guide to Life Insurance

Here is a useful guide to life insurance. Simply put, a life insurance policy provides a lump sum payment upon death of the policy holder. In exchange for regular premiums, a life insurance company will insure your life so that when you die, the policy should pay out to protect your dependants from the extra pain of financial hardship. This is particularly important when buying a house, or when you or your family takes on a large, long-term financial commitment. In the event of death, for example, the payment from a life insurance policy can be used to pay off a mortgage. Policies can be arranged on either a single or joint life basis. Depending on the type of policy you choose, your insurer will pay either a lump sum or a regular income which you could use towards meeting any outstanding debts and trying to ensure your family is able to maintain its standard of living. How much they receive depends upon the 'guaranteed sum assured', the amount for which your life is insured. Many people first come across life insurance when they take out a mortgage, as lenders often insist on it to make sure the loan is repaid if you should die still owing them money. However in some circumstances, only having enough life insurance to repay the mortgage is insufficient to fully protect dependants. If you have a partner who would suffer financially if you were to die or if you have young children who depend on you, then life insurance is very important. Life insurance can be used in many ways, not just to protect a young family or repay a mortgage. It can be used to pay Inheritance Tax or protect business against the loss of a key individual. You can increase or decrease your cover at any time, add another life onto the policy and

5 steps to cheaper home owners insurance

When you are looking to make any major purchase or take out any long term insurance the first thing you should do is arm yourself with all the facts you need and this is by no means any different with your home owners insurance. Work out the value of your home and write up a list of the personal items in your home. This list should include absolutely everything that you would need to replace in the event of it being damaged beyond repair, stolen or broken. This itinerary will not only prove useful for calculating the level of cover you require but also for making a claim should the need arise.
Calculating your cover.
Home owners insurance is a little different to other insurance. Car insurance uses book value of your car, the insurance company being safe in the knowledge that you will be able to replace your car should the unthinkable happen. Going out and buying a house is a little different to this. There isn't a set value on a house and you can't just buy the house itself. In order to come up with a value on your home you need to find out the market value for similar houses in a similar area. In order to reduce the cost of your monthly premium you should seriously consider excluding a small amount of the money because while you need to insure the building and outbuildings you don't to insure the surrounding or housing land.

CREDIT ENHANCEMENT

We create and place highly structured credit enhancement and targeted risk capital products that provide efficient capital solutions for large investment projects. In each case, the structured product is tailor-made to efficiently mitigate risk and integrated into the overall project financial structure

PROJECT FINANCING AND MANAGEMENT

Delivering financing and management solutions to our worldwide clientele. Our innovative products and balance sheet commitment have enabled us to remain at the forefront of developments in the market and respond to clients increasingly complex needs .Transactions range from early stage seed rounds through late stage venture rounds involving the issuance of preferred stock, convertible debt instruments, warrants, and secured and unsecured bridge debt

BANK INSTRUMENTS AND SECURITIES

We represent financial institutions and corporate entities in connection with the issuance of bonds, notes, commercial paper, and other capital market instruments. We have deep knowledge in matters related to securities products, securities transfer law, compliance, and financial process intellectual property, among others. We are able to utilize the services of world’s largest securities houses to satisfy your needs

PRIVATE EQUITY

Structuring and organizing new funds, structuring and executing institutional and management-led buyouts, public-to-privates, follow-on acquisitions, IPOs and trade sales. Areas of expertise include traditional private equity, alternative asset funds (e.g., real estate, infrastructure and oil & gas) and hedge funds

Thursday, June 12, 2008