Commercial Bank Loans and Insurance: A trip to the USA with your HDFC Bank Visa Card-Overview

Monday 19 December 2011

A trip to the USA with your HDFC Bank Visa Card-Overview

Planning a trip to the U.S.? Looking for an affordable stay? With your HDFC Bank Visa Card, you can avail exclusive offers on hotel bookings! Valid till 31st December, 2011.
A trip to the USA has never been so affordable! Visa cardholders can now enjoy fantastic hotel prices in New York, Las Vegas, Los Angeles, San Francisco and many more!

Overview of various deals:

Hotel
City
Star
Price From (USD)
Deal details
Park Central Hotel New York
New York
4
USD209
Save 30% on your stay!
The Helmsley Park Lane Hotel New York
New York
4
USD251
Save 25% on your stay!
Omni Houston Hotel
Houston
4
USD125
Room Only
Hotel Derek Houston
Houston
4
USD125
Room Only
The Standard Hotel Downtown Los Angeles
Los Angeles
4
USD120
20% Savings, Stay 3 Nights
Andaz West Hollywood Los Angeles
Los Angeles
4
USD300
Welcome Credit - $150 hotel credit per stay
Parc 55 Wyndham San Francisco Union Square Hotel
San Francisco
4
USD110
Room Only
Nikko Hotel San Francisco
San Francisco
4
USD155
Room Only
Paris Las Vegas Hotel
Las Vegas
4
USD76
Save 20% on 2 nights PLUS 2-for-1s & Discounts
Booking and stay period from now till 31 December 2011
Offer valid on all Visa cards
Bookings on www.hotelclub.com/visa

Terms & Conditions of Promotion
The privileges are available to all Visa cardholders
All relevant payments must be made with Visa card to enjoy the privilege
Prices may fluctuate due to currency fluctuation and room availability
Booking and cancellation terms and conditions apply
Details of terms and conditions for booking and staying periods can be found at www.hotelclub.com/visa

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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.

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Monday 19 December 2011

A trip to the USA with your HDFC Bank Visa Card-Overview

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