Best way to get awareness on Global Financial Markets

This blog is very useful for the people, who started their career just, this is very important to know the different financial tools in our Indian and global money markets.. 

This information took from expert in insurance who has been Woking in that from past 10+ years named Durga Prasad for best insurance details click on his name and for call any time call him at +918885380429 

lets check the Global financial markets info as follows. 

The financial tools are like 

1. Savings.

2. Investments. 

3. Insurance.

4. Tax savings 

SIP:

Coming to savings there are several types of savings they are like sip(systematic investment plan) this is the best investment in which the customer will get average profit, why because the financial tool SIP is designed like that if we invest our money sip they will debit amount in installments every month so our invested fund will see all the fluctuations  of Indian market  I mean all ups and downs of the market but definitely  investor will get average profit in this financial tool this is call SIP.

MUTUAL FUNDS:

Mutual funds  this is the best financial tool in India the investor are showing interest to invest their money in mutual funds there are many companies  working with this financial tool,

Next these mutual funds are divided into two types.

1.  Sectoral funds  
2.  Diversified funds   

Sectoral funds: in this kind of mutual fund the amount which company fixes to the investor that fund will invest by the company in different sector like real estate, gold, pharmacy, petrol, agriculture, automobile, banking in one word in all sectors and in all AAA+ rating companies means these AAA+ rated companies turnover per year is equal to 1000 crores. In this fund risk is low.

Diversified funds: in this kind of mutual funds the amount which company fixes to the investor that fund will invest by the company in only one sector I mean particularly selective one that may be real estate or pharmacy or any other sector if that single collapse the customer will also get loss. So in this fund risk is very high  

Again there are two types of funds in these sectoral funds and diversified funds respectively they are closed ended funds and open ended funds.

Closed ended funds: these funds are also one type of mutual funds in which we don’t have opportunity I mean an option to close the fund or surrender the fund whenever the market is high there is a fixed period to surrender the fund.

Open ended funds: these funds are also second type of mutual funds in which we have an option to surrender our fund whenever the market is high so open ended fund is always safe

Charges in Mutual funds: charges in mutual funds are like: fund management charges, fund allocation charges, entry load and exit load etc.

Shares:

• Shares this is the biggest financial tool of every financial market all over the globe.
• Shares are nothing but a heart of the financial markets.
• The power of this financial tool it can changes the fate of the financial market in a single day.

Example of share: if one person named x started one company with name alpha assume that company is infrastructure company on and average that company will produce 100 tables every month after getting boom in the market due to lake of man power that company couldn’t able to produce more than 100 tables, here the starts the matter of share holders, that share holders will invest money in regular basis to get better man power and material to produce more than 100 tables, the loss of the company and the profit of the company will be equal to all share holders. For declaring for requirement of share holders will declared as in initial public offering.

If any of the share holder reaches 50% share in that company he will be declare as board of director

If everything goes positive shares are the best, if anything goes wrong then every share holder have to bare loss this is all about shares

INSURANCE: 

Insurance is the best financial tool which gives self confidence to every policy holder that his family will continue the same life style after his absence, come let us see the types of insurance

1. Traditional 

2. Unit linked insurance policy  

3. Term plans

Traditional: this is one kind of insurance in which customer have to pay his insurance premiums for a long time that is up to 10,15,20 plus years there is no chance to break up in middle,

Advantages: in financial crisis customer can take loan on that policy

Unit linked insurance policy (ULIP) and types:

1. Pension plan (with insurance and without insurance).

2. Education insurance plan.

3. Short term investment plan

Definition of unit linked insurance policy: this is also sectoral mutual fund in addition with insurance coverage.

Pension plan: Through this kind of policy we can get pension after maturity and this insurance policy in there are two types of pension plans they are zero death benefit plan and death benefit plan we can get tax benefit under tax sec 80(CCC).

Education insurance plan: This is the best plan to design the newly born baby, this is best way to make the parents dreams come true, the son or daughter become doctor or engineer in presence of the father or absence of father.(tax benefit sec: 80 (c).

Term plans: this is all one kind of insurance policy this policy is for people who got moral hazard I mean the people who works in coal mines, marine field and defense. This term plans are purely for insurance there are no returns on this policy. The funds invested in this fund are purely for insurance coverage not for saving.

Tax benefits: all types of insurance plans (traditional, ulips, term) will cover under tax section 80 (c) act, only pension plan will cover under tax section 80ccc act.

On returns the tax section 10(10(d)) applicable

The SIP, shares and mutual funds also comes under investments, as well as through this investments we can get tax benefits

Bank deposits and postal deposit also comes under savings

Our team will upgrade this page whenever we get enhancement on this subject

TOP 10 INSURANCE COMPANIES IN INDIA 2011

In this article i am going say about top insurance companies list just check it out it may be useful to you all. 

There are many types of insurance available in our country by the type of insurance we had some best insurance providing companies in INDIA which has been listed below.




1.  L.I.C - Life Insurance Corporation in INDIA.

 

2. BAJAJ ALLIANZ GENERAL INSURANCE

3. ICICI PRUDENTIAL LIFE INSURANCE 

 

4. ICICI LOMBARD GENERAL INSURANCE

5.BIRLA SUN LIFE INSURANCE 

6.TATA AIG GENERAL INSURANCE CO. 

7.NEW INDIA INSURANCE CO.

8.IFFCO TOKIA GENERAL INSURANCE

9.ORIENTAL INSURANCE CO

10.HDFC STANDARD LIFE INSURANCE

These are the best insurance companies through out our country for getting information of those companies just click on required company logo i am giving link of that particular company link to it so click it and get info.

Thats it...

check it out and send me feed back thank u all

Most Venomous Snakes in the World

This article presents the top most venomous snakes in the world to make you aware of poisonous snake's in the world which has been followed let's check it out............

1.Rattlesnake

best10inall.blogspot.com

The only snake from the Americas on the list, the Rattlesnake is easily identifiable by the tell tale rattle on the end of its tail. They are actually a part of the Pit Viper family, and are capable of striking at up to 2/3rd their body length. The Eastern Diamondback in considered the most venomous species in North America. Surprisingly, juveniles are considered more dangerous than adults, due to their inability to control the amount of venom injected. Most species of rattlesnakes have hemotoxic venom, destroying tissue, degenerating organs and causing coagulopathy (disrupted blood clotting). Some degree of permanent scarring is very likely in the event of a venomous bite, even with prompt, effective treatment, and can lead to the loss of a limb or death. Difficulty breathing, paralysis, drooling and massive hemorrhaging are also common symptoms. Thus, a rattlesnake bite is always a potentially fatal injury. Untreated rattlesnake bites, especially from larger species, are very often fatal. However, antivenin, when applied in time, reduces the death rate to less than 4%

2.Death Adder

best10inall.blogspot.com 

The appropriately named Death Adder is found in Australia and New Guinea. They actually hunt and kill other snakes, including some on this list, usually via ambush. Death Adders look quite similar to vipers, in that they have triangular shaped heads and short, squat bodies. They typically inject around 40-100mg of venom with an LD of 0.4mg-0.5mg/kg. An untreated Death Adder bite is one of the most dangerous in the world. The venom is a neurotoxin. A bite causes paralysis and can cause death within 6 hours, due to respiratory failure. Symptoms generally peak within 24-48 hours. Antivenin is very successful in treating a bite from a Death Adder, particularly due to the relatively slow progression of symptoms, but before its development, a Death Adder bite had a fatality rate of 50%. With the quickest strike in the world, a Death Adder can go from strike position to striking and back again within 0.13 of a second.

3.Vipers

best10inall.blogspot.com

Vipers are found throughout most of the world, but arguably the most venomous is the Saw Scaled Viper and the Chain Viper, found primarily in the Middle East and Central Asia, particularly India, China and South East Asia. Vipers are quick tempered and generally nocturnal, often active after rains. They are also very fast. Most of these species have venom that cause symptoms that begin with pain at the site of the bite, immediately followed by swelling of the affected extremity. Bleeding is a common symptom, especially from the gums. There is a drop in blood pressure and the heart rate falls. Blistering occurs at the site of the bite, developing along the affected limb in severe cases. Necrosis is usually superficial and limited to the muscles near the bite, but may be severe in extreme cases. Vomiting and facial swelling occurs in about one-third of all cases. Severe pain may last for 2-4 weeks. Often, local swelling peaks within 48-72 hours, involving the affected limb. Discoloration may occur throughout the swollen area as red blood cells and plasma leak into muscle tissue. Death from septicemia, respiratory or cardiac failure may occur 1 to 14 days post-bite, or even later.

4.Philippine Cobra

best10inall.blogspot.com

Most species of Cobra would not make this list; however the Philippine Cobra is the exception. Drop for drop, its venom is the most deadly of all the Cobra species, and they are capable of spitting it up to 3 metres. The venom is a neurotoxin which affects cardiac and respiratory function, and can cause neurotoxicity, respiratory paralysis and death in thirty minutes. The bite causes only minimal tissue damage. The neurotoxins interrupt the transmission of nerve signals by binding to the neuro-muscular junctions near the muscles. The symptoms might include headache, nausea, vomiting, abdominal pain, diarrhea, dizziness, collapse and convulsions.

5.Tiger Snake 

best10inall.blogspot.com

Found in Australia, the Tiger snake has a very potent neurotoxic venom. Death from a bite can occur within 30 minutes, but usually takes 6-24 hours. Prior to the development of antivenin, the fatality rate from Tiger snakes was 60-70%. Symptoms can include localized pain in the foot and neck region, tingling, numbness and sweating, followed by a fairly rapid onset of breathing difficulties and paralysis. The Tiger snake will generally flee if encountered, but can become aggressive when cornered. It strikes with unerring accuracy.

6.Black Mamba

best10inall.blogspot.com

The feared Black Mamba is found throughout many parts of the African continent. They are known to be highly aggressive, and strike with deadly precision. They are also the fastest land snake in the world, capable of reaching speeds of up to 20km/h. These fearsome snakes can strike up to 12 times in a row. A single bite is capable of killing anywhere from 10-25 adults. The venom is a fast acting neurotoxin. Its bite delivers about 100–120 mg of venom, on average; however, it can deliver up to 400 mg. If the venom reaches a vein, 0.25 mg/kg is sufficient to kill a human in 50% of cases. The initial symptom of the bite is local pain in the bite area, although not as severe as snakes with hemotoxins. The victim then experiences a tingling sensation in the mouth and extremities, double vision, tunnel vision, severe confusion, fever, excessive salivation (including foaming of the mouth and nose) and pronounced ataxia (lack of muscle control). If the victim does not receive medical attention, symptoms rapidly progress to severe abdominal pain, nausea and vomiting, pallor, shock, nephrotoxicity, cardio toxicity and paralysis. Eventually, the victim experiences convulsions, respiratory arrest, coma and then death. Without antivenin, the mortality rate is nearly 100%, among the highest of all venomous snakes. Depending on the nature of the bite, death can result at any time between 15 minutes and 3 hours.

7.Taipan

best10inall.blogspot.com

Another entry from Australia, the venom in a Taipan is strong enough to kill up to 12,000 guinea pigs. The venom clots the victim’s blood, blocking arteries or veins. It is also highly neurotoxic. Before the advent of an antivenin, there are no known survivors of a Taipan bite, and death typically occurs within an hour. Even with successful administration of antivenin, most victims will have an extensive stay in intensive care. It has been likened to the African Black Mamba in morphology, ecology and behavior.

8.Blue Krait

best10inall.blogspot.com

The Malayan or Blue Krait is, by far, the most deadly of this species. Found throughout South East Asia and Indonesia, 50% of bites from the deadly Blue Krait are fatal, even with the administration of antivenin. Kraits hunt and kill other snakes, even cannibalizing other Kraits. They are a nocturnal breed, and are more aggressive under the cover of darkness. However, overall they are quite timid and will often attempt to hide rather than fight. The venom is a neurotoxin, 16 times more potent than that of a Cobra. It quickly induces muscle paralysis by preventing the ability of nerve endings to properly release the chemical that sends the message to the next nerve. This is followed by a period of massive over excitation (cramps, tremors, spasms), which finally tails off to paralysis. Fortunately, bites from Kraits are rare due to their nocturnal nature. Before the development of antivenin, the fatality rate was a whopping 85%. Even if antivenin is administered in time, you are far from assured survival. Death usually occurs within 6-12 hours of a Krait bite. Even if patients make it to a hospital, permanent coma and even brain death from hypoxia may occur, given potentially long transport times to get medical care.

9.Eastern Brown Snake

best10inall.blogspot.com

Don’t let the innocuous name of this snake fool you, 1/14,000 of an ounce of its venom is enough to kill an adult human. Coming in a variety of species, the Eastern Brown snake is the most venomous. Unfortunately, its preferred habitat is also along the major population centers of Australia. The Brown snake is fast moving, can be aggressive under certain circumstances and has been known to chase aggressors and repeatedly strike at them. Even juveniles can kill a human. The venom contains both neurotoxins and blood coagulants. Fortunately for humans, less than half of bites contain venom and they prefer not to bite if at all possible. They react only to movement, so stand very still if you ever encounter one in the wild.

10.Fierce Snake or Inland Taipan

best10inall.blogspot.com

While I did say that I would not include multiple sub-species in this list, the incredible Inland Taipan deserves a spot of its own. It has the most toxic venom of any land snake in the world. The maximum yield recorded for one bite is 110mg, enough to kill about 100 humans, or 250,000 mice! With an LD/50 of 0.03mg/kg, it is 10 times as venomous as the Mojave Rattlesnake, and 50 times more than the common Cobra. Fortunately, the Inland Taipan is not particularly aggressive and is rarely encountered by humans in the wild. No fatalities have ever been recorded, though it could potentially kill an adult human within 45 minutes.

11.Belcher’s Sea Snake

best10inall.blogspot.com

The most venomous snake known in the world, a few milligrams is strong enough to kill 1000 people! Less than 1/4 of bites will contain venom, and they are relatively docile. Fisherman are usually the victims of these bites, as they encounter the species when they pull nets from the ocean. Found throughout waters off South East Asia and Northern Australia.