Shashidhar Reddy Enugala

Did you sign as guarantor anytime for your friend, relative, or anybody else? These days, Risk management is very crucial for any organization. To be on the safe side, Many the organization is asking for the guarantor for any loan, which they are offering. So, most of us are signing the loan agreement as guarantor, as the applicant may be our friend/relatives etc. But, the unknown fact is some of the organizations are adding the guarantor as the co-applicant of the loan, where they signed as the guarantor. In case, if you move to any financial institution for any loan, you will be surprised to see, that bank will be asked to clear those debts first, but in fact that debts are unaware of you and don’t even you remember yet all, because those are not your debts. Here you should ask the banker, before signing and read the documents carefully, before where you are signing. So, next time, when you are signing the document, in fact, write under your sign as   (guarantor). It will

Started reading again " Let's talk money" by  @monikahalan  which explains money management in the Indian context. "Our money worries usually center around finding the best return on investment. But there is a lot more to Financial fitness than just investments. We need a system and not a single-shot solution. "  We worry about the investment the way we worry about our weight. Instead of dieting or investing being a habit, we only think of them as remedial measures when our weight or our bank balance goes too high or low. Everybody has money to save - from the poor to rich, we just don't know how to look for it.  #savings   #investing When you lend money for a non-emergency situation to a person, you lose money, you lose respect for the other person, and somewhere for yourself for getting into a situation like this. Keeping money ready for an emergency is important. Not only do you not have to worry about the money when you need it, but it also frees up mone

  RBI board approved to transfer Rs. 99,122 crores as dividend to Central Government against the estimations of 60,000 crores. This was the second-highest dividend payout in the last 9 years. This time dividend was declared for a period of 9 months only due to a change of the accounting year. The primary reasons for the rise in dividend are high forex reserves and Intrest income and changes in accounting practices. As the Central government is the single shareholder in RBI, they need to pay dividends. Generally, RBI needs to keep a buffer of 5.5% to 6.6%. This time dividend was paid by a risk buffer of 5.5%. But the fact is dividend is paid by " Printing of money to the extent of dividend payout." Probably government is the only biggest single shareholder to enjoy all the dividends, without any business. However, this will cover the Fiscal deficit.

When was the last time you have seen Rs.2000 note ? If so, how many ? RBI introduced Rs. 2000 notes in 2016 for cash availability during demonetization and stopped printing them by the end of 2018. The recent RBI annual Report, states that, the volume of Rs. 2000 notes in circulation have been drastically felling from 3 lakhs in 2019 to 2 lakhs volume in 2021. They are trying to get back Rs, 2000 notes very desperately. All this time, it has been known by the public shortage of Rs, 2000 notes and started storing cash in terms of Rs. 2000 notes mostly. There are few articles on 2000 NOTES "The mystery of disappearing Rs. 2000 notes" and "Dying notes". Currently the value of Rs. 2000 notes in circulation are Rs. 17.3 Crores from Rs. 31.2 Crores in 2019. Value of 13.9 Crores value of Rs. 2000 notes have been sucked from the circulation. At the same time, Rs. 500 notes are at a growth phase of 19.8 lakh to 31.1 Lakh volume of Notes. This volume has been increased due to

  Nirmala Sitaraman handed over 640 houses funded under SWAMIH and 12400 houses are expected to be completed in the coming year. We need to know about SWAMIH. Special Window for Affordable and Mid-Income Housing. SWAMIH is an Alternative Investment Fund that was launched by Nirmala Sitaraman in November 2019. As real estate is under stress during the period 2019 to date and Financial institutions could not lend more, the alternative fund of INR 25000 Crores was created to provide the fund and completion of projects, which are RERA registered. Alternative Investment of SWAMIH was created for the completion of nearly 60000 homes across India. SWAMIH was funded by 14 investors. Government of India 50% amount to 12500 Crores, LIC, SBI each of 2500 crores each and 30% by private and public sectors. This is expected to give a big move for employment, Steel and cement industry as well as banks and NBFC. Interestingly, NRI's are also looking to buy property in India, due to better capital

  By far the best book on investing ever written. - Warren Buffett. To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insights, or inside information. What's needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework. - Warren Buffett. Graham core principles, which are at least as valid today as they were during his lifetime: A stock is not just a ticker symbol or an electronic blip; it is an ownership interest in an actual business, with an underlying value that does not depend on its share price. The Market is a pendulum that forever swings between unsustainable optimism and unjustified pessimism. The intelligent investor is realistic who sells to optimists and buys from pessimists. The future value of every investment is a function of its present price. The higher the price you pay, the lower your return will be. - No matter, how careful you are, the one risk no inve