Commercial Bank Loans and Insurance: To get new offer frm your HDFC bank credit card:on online shopping

Wednesday 21 December 2011

To get new offer frm your HDFC bank credit card:on online shopping

Shop any product from STAR CJ Alive with your HDFC Bank Credit Card and get Rs. 250/- off. This Offer is valid up to 31st December, 2011.

Offer details:

1. Use promocode0202-201112 to avail discount on online shopping on www.starcj.com
2. Use promocode201112 for TV Orders – Call: 1860 500 1860 to avail the offer
3. Offer valid up to 31st December, 2011.

Terms & Conditions of Promotion:

The offer is valid on shopping done on www.starcj.com or on star cj IVR 1860 500 1860
The offer is valid on shopping made till 31st Dec 2011
Promocode has to be used while transacting to avail the discount, incase promocode is not used Cashback will not be posted at a later date.
This offer is valid for Indian residents and citizens only.
The terms and conditions of this promotion are subject to change without any prior notice.
Delinquent and over-limit HDFC Bank Credit Card members will not qualify for this promotion.
HDFC Bank Cardholders are not bound in anyway to participate in this offer. Any participation is voluntary and the offer is being made purely on a best effort basis.
HDFC Bank reserve the right at anytime, without prior notice to add, alter, modify, change or vary all or any of these terms and conditions or to replace wholly or in part, the above offer by another offer, whether similar to above offer or not, or to withdraw it altogether.
Nothing herein amounts to a commitment by HDFC Bank to conduct further, similar or other offers.
HDFC Bank is neither responsible nor guarantees the quality of gifts/ products /service provided by the vendor. The quality of the service / gift is the responsibility of the vendor / service provider.
Any Government levies / taxes like Sales Tax, TDS, Road Tax, Airport Tax, any Local Tax etc. arising out of the same will be borne by the HDFC Bank Credit Card customer.
.The above offer is by way of a special offer for select HDFC Bank Credit Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the card member agreement. The terms of the above schemes shall be in addition to and not in derogation of the terms contained in the card member agreement.
All disputes, if any, arising out of or in connection with or as a result of above offers or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Chennai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.
.The participants will not hold HDFC Bank responsible or liable for any deficiency or defect in the product/services availed by Credit Card customer, any actions, claims, demands, losses, damages, costs, charges and expenses which a participant may suffer, sustain or incur by way of above offer.

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Fundamental analysis of stock

Fundamental analysis of stock can be done by looking the company's condition, whether it is a good company or not. Here are some criteria you need to check:

1. The company is market leader in the industry. As we know Coca cola is the market leader in soft drink market. Market leader is one of company's competitive advantages that differs them from other competitors. Company which is a market leader can raise their product or service price easier. Other competitive advantages you can look into are patent, strong customer base, brand and strong management.

2. The company has low debt equity ratio. This means the debt is low compared to equity. With low debt, the company can borrow more money to expand their business. Companies with high debt equity ratio are also risky because when business turns bad; their huge debt can cause additional problems. Companies with high debt equity ratio will have to pay more interest for their debts.

3. The company keeps growing each year. Asset and net income should grow every year.

4. Current asset should be higher than current liabilities. If the company needs to pay its current liabilities they can pay it with their current asset.

5. Low price earnings ratio (PE) means the stock price is low enough compared to its earning. Low PE means the stock is cheap, but this does not mean you should immediately buy it. There are two reasons why stock has low PE. First the company performance is not good so not many people buy it, hence it is cheap. The second people do not realize that it is a good company and did not buy the stock. A better use is to combine PE with Earning per Share (EPS) growth to get PEG (Price Earning Growth) ratio. You can get PEG by dividing PE with yearly EPS growth. It is advisable to look for companies with PEG under 1. If the company has PE =10 and EPS is growing 15% yearly, then PEG = 10/15 = 0.66 which is good.

6. Pay attention to the profit. Analyze where it is coming. If it comes from operational profit, then it is good. But if it come from other sources such as asset sale, then you need to consider it again as an investment.

7. The company has high ROE (Return on equity). It is divided by diving net income with equity. High ROE is usually above 15% or 25% which depends on your country. In countries with higher inflation you need to find companies with higher ROE.

8. Calculate stock fair price. If current price is below its fair price then we should buy it.

By knowing fundamental analysis of stock, you can use it to choose stocks for option trading.

Debit card Loans

Monetary discrepancies arising out of financial crunch can be a major obstacle. It is in these circumstances that you fail to tackle unforeseen financial urgencies. Dealing with the crisis requires some sort of external assistance, as it is not quite easy to arrange the funds on your own. When you are left with no other option, then it would seem ideal for you to acquire the provision of debit card loans. Coming to these loans, you will find it rater convenient to acquire quick and immediate funds. The loan amount you are in need of is deposited directly in to your debit card account. With the support of these loans, you can eventually meet your short term needs, that too without having any interference of the lender. These loans are ideal, considering the fact that you are never required to involve any asset that you own as collateral. Applicants having severe credit problems too can source these loans, owing to the no credit check approval. The no credit check approval further speeds up the processing of the loans.

If you are employed and you do have access to a valid bank account, then you can attain the service of these loans. In addition to these, you must be a permanent resident of UK and that your age should be more than 18 years. It is with these loans, which then empower you to acquire funds anywhere in between £100-£1500. The amount borrowed then has to be repaid over a period of 2-4 weeks. But then, if you do make a detailed and proper research, then you will come across lenders offering these loans against appropriate terms. To attain the loans in a competent manner, without facing much of a hassle, then it would seem perfect to make use of the online medium. Online application is devoid of any paperwork and once the verification of the details is complete, the loan amount is ten sanctioned almost immediately. Payday loans debit card make it easy for you to acquire immediate funds, with which you can sort out all your temporary financial needs.

Commercial Bank Loans and Insurance

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Wednesday 21 December 2011

To get new offer frm your HDFC bank credit card:on online shopping

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