Namshi -- A Great Online Shopping Experience

Namshi is one on the best online mall available in GCC . Namshi offers products from all the well known National and Internal Brands . With Namshi you can have a great shopping experience for the entire family with out leaving your house that too at a very attractive price .

Their website is very well designed with different sections and it’s very easy to find the product which you are searching for . Moreover Namshi also have a separate section for Products which are Offered at a discounted price . Here some of the products are offered at an astonishing discount rate of 80 %.

 They offer 3 types of payment methods  
                           1. Credit Cards
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 Another attractive feature is that Namshi deliver the products completely free in all parts of UAE .

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Tourism Finance Corporation of India -----> A Fixed Deposit Share

                                       Tourism Finance Corporation of India is known  as  the Fixed Deposit  Share  because of its   high dividend  yield and due to the lowest  risk . It offers a dividend  yield of  almost 5.00 % at the current market price of Rs 24.30/-.This public sector company is promoted by  IFCI,SBI,Bank of India , LIC etc etc and they together hold  67 % of the equity and the balance is with the public .

Last year Earning per share of this company was approx Rs. 6./- and this year also this will be maintained . By this yearend  book value of this share will be around Rs 50/-  which means that this share is available at a discount of almost 50 %. I recommend all of  readers to invest in this  share for  steady income as well as for 25 % to 30 %  appreciation .

My Portfolio for 2013

Here is my portfolio for 2013 worth 10 lakhs .Reson for selecting the stock has also been provied alongside . Performance of this portfolio will be reviwed on monthly basis an will be publised in this blog. I expect around 30 to 35 % appreciation for this portfolio by the end of 2013.

              

IPO OF CREDIT ANALYSIS AND RESEARCH LTD (CARE)

                                                                This is one of the best IPO’s to hit the market in recent times .Basically they analysis the companies based on their financial strength and weakness and assign different grades .As per the information from their website they so far completed over 19069 rating assignments with an aggregate value of approx. RS 55051 bn since their inception in April 1993 . We have 2 more companies present in the share market from the rating industry and their shares are quoted @ Rs 1024 incase of CRISIL and @ Rs 1400 incase of ICRA . I expect the share value of CARE also to reach 4 figure mark on listing . Hence I request all my fellow investors to invest in this IPO.

 Issue Details are as given below

Issue opens on : - 07/12/2012
Issue closes on :- 11/12/2012
Money Payable on Application :Rs 700.00 – Rs 750.00
Minimum application : 20 shares and multiples of 20 there after

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Videocon Industries

This company belongs to well known Dhoot’s group with wide spread interest in consumer goods,Oil ,Telecom and Power . Last year turnover of this well diversified company was whopping 15000 Crore for the year ended Dec’2010 which was for 15 months period. Based on last year Balance sheet,current Book value of the company is over Rs 300/-.Current market price of this share is Rs 170/- which is grossly under priced considering the expected EPS of Rs 25/- for the current year .
Eventhough Videocon Industries is present in diversified area’s like Oil,Telecom,Power and consumer Goods it’s current market value doesn’t reflect the true value of this company. According to me within couple years this company will split into 4 to 5 companies based on the lines of it’soperation . There will be a huge unlocking of value at that time , if you have the patience to hold on to this share for couple of years

HOW HDFC LIFE CHEATED/LOOTED COMMON PEOPLE LIKE ME ?

Beware of HDFC LIFE Insurance policies. For Companies like HDFC Life , Insurance Money is an easy money .They deduct so much amount from our hard earned annual premiums in the form of various charges like Premium Allocation Charges, Fund Management Charges, Policy Administration charges , Switching charges etc etc . If you are surviving your policy period ,you are under total loss . You only earn, when you die incase of HDFC life. That also you have to die early .Common people unknowingly fell prey to HDFC LIFE as Branch Managers are involved in promoting new policies because of very high % of commission. I had taken an insurance policy from HDFC Life last year by the name “HDFC SL ENDOWMENT CHAMPION SUVIDHA” with an annual Premium of One Lakh.Normaly I don't take such policies ,but in case I took the policy because of the Hdfc Bank Manger .


Pls see how they cheated /looted me by charging various charges

1. Straight away HDFC LIFE deducted Rs 10000/- from my premium as Premium Allocation Charges. According to me this money they use to pay commissions to the agents. HDFC LIFE uses your own money to pay the commission to the agents for canvassing you to take the policy
After this deduction of Rs 10000/- my corpus available for investment stands reduced to Rs 90000/-

2. Now they started charging me Rs 950/- Per month as Monthly Policy charges. Due to this my corpus further reduced by Rs 11400/- to Rs 78600/-

3. Another deduction is the Fund Management Charges of 1.25 % of Fund Value which is coming to Rs1125 /- with this reduction ,my corpus stands at 77475 /-
Ie a total deduction of Rs 22525/- HDFC Life looted me Rs 22525/- for my Life cover in a single year .This Cheating is exclusive of the money I lost due to the unprofessional way of investment in the share market . My total corpus of one lakh has been reduced to Rs 63,248/- with the addition of above loss. Because of HDFC LIFE I lost Rs 36752 /- by various means in one year. If this is not Looting what else is Looting.

This looting is very significant as HDFC charges all these amounts by reducing the no. of units allotted to you. In a very bad year your entire corpus can vanish into thin air.

I hereby recommend my readers to never invest in Private Insurance Companies like HDFC LIFE unless you are sure about your death.
I am forwarding this blog to hdfc Chairman and to the officials of HDFC LIFE for their comment. If my working is wrong I will publish an unconditional apology in my blog.