TO RESEARCHING A SMALL CAP COMPANY

·      Start with Dividend yields

·      If they are paying dividend then move on

·        If they are not paying dividend then look for ROe and ROCE

·      If ROCE and ROe above 15 then move on

·      If Roe and ROCE below 15 then check it’s CAPEX.

·      If it has done CAPEX then ROCE and Roe will be lower for few years.

     ·      If it doesn’t have CAPEX but low Roe and ROCE then stop there.

6 REASONS to Avoid : EPFO Higher Pension

There are a few reasons why choosing more pension contributions is not a good idea.

Why should you stay away from EPFO Higher Pension?

According to the Supreme Court's decision, employees who were EPS members as of 1 September 2014 might choose to make larger pension contributions based on their real salaries rather than the statutory wage ceiling of Rs 15,000 per month.

According to the EPFO's February 20 guidelines, qualified employees who had previously declined to choose larger pension contributions under EPS may now do so. The factors listed below, however, may make you want to reconsider choosing the higher pension contribution.

1. The PF account's funds will "fly away" - The major disadvantage of choosing the Higher Pension is that, starting from the date of joining, a portion of your EPF corpus will be shifted to the EPS scheme in order to permit a Higher Pension. The benefit of compounding that you may have accrued over the years as an EPF member will be lowered by the transfer of EPF funds to EPS. Therefore, you should conduct a thorough evaluation before choosing the higher pension option.

2. The entire balance of your PF account won't be paid out - According to current PF regulations, your nominee (wife and children) will receive the entire amount placed in this account in the event of any unfavourable events. However, in the case of EPS, the wife will only receive a 50% pension while you are away. This means that if you receive a pension of Rs. 20,000, your wife will receive 50% of it, or Rs. 10,000, and your children would receive 25%, or Rs. 5,000.

3. Lack of a lump sum withdrawal option - There is no lump sum payout from EPS. On the basis of your collected corpus, it grants you a pension. Consider other government-backed choices like NPS, which will offer market-linked returns plus a lump payment for purchasing an annuity at retirement, as an alternative to choosing a greater pension under EPS. Additionally, NPS contributions offer a deduction of an additional Rs 50,000 over the Rs 1.5 lakh allowed by Section 80C.

4. IN EPS SCHEME YOU GET LESS INTEREST - The EPS programme is not flexible. Additionally, EPS does not earn the same interest as EPF, which is typically higher.

5. unable to take an early retirement - Choosing EPFO's Higher Pension may not be a good idea for individuals considering an early retirement because EPS pension eligibility is only granted after 10 years of work and 58 years of age.

6. Taxation at maturity – The corpus received at maturity that is used by the NPS account holder for buying an annuity is taxable under this plan. The Government of India levies tax on 60% of NPS investment, while the remaining 40% escapes the taxation amount

 

Disclaimer: The article is only for educational purpose

- Kain

Do You Know The Indian-American CHILD Who Invented E-MAIL : V A Shiva Ayyadurai

V. A. Shiva Ayyadurai, an Indian-American who at the age of 14 created E-Mail

On August 30, this year, email turned 41. However, how many of us are aware that V. A. Shiva Ayyadurai, an Indian American, devised this rapid mode of information transport when he was just 14 years old?

Ayyadurai developed "email," a computer programme, in 1978 to mimic all the features of the inter office mail system, including the Inbox, Outbox, Folders, Memo, Attachments, Address Book, and others. These functions are now common place components of all email systems.

The US government recognised Ayyadurai as the creator of email on August 30, 1982, by giving him the first US Copyright for Email for his creation from the year 1978. At the time, the only means of safeguarding software inventions was through copyright.

With a sizable research budget, email wasn't developed in major organisations like the ARPANET, MIT, or the military. According to the Huffington Post, these organisations had deemed the development of such a system "impossible" due to its extreme complexity.

Ayyadurai was born in Bombay to a Tamil family. He moved to the US with his family when he was seven years old.

In order to learn computer programming at the age of 14, he participated in a special summer programme at the Courant Institute of Mathematical Sciences at New York University (NYU). He eventually graduated from Livingston High School in Livingston, New Jersey. He was a research fellow at the University of Medicine and Dentistry of New Jersey (UMDNJ) while still in high school.

Dr. Leslie Michelson, who was then the director of the Laboratory Computer Network (LCN) at UMDNJ, was immediately struck by Ayyadurai's talent, passion, and dedication. He set him the task of replacing the outdated paper-based mail system at UMDNJ with an electronic one.

The inter-office mail system was a sophisticated method of inter-office communication. This approach was utilised by almost all offices, including those of presidents and prime ministers, and was not exclusive to UMDNJ.

Ayyadurai paid special attention to how each secretary used an Inbox, Outbox, Draughts, Carbon Copy Paper, Folders, Address Book, and Paper Clips (for attachments) to create and process incoming and outgoing mail every day. He also noted that each secretary had a typewriter on their desk in addition to these items.

He then had the idea for an electrical adaptation of this technique. In over 50,000 lines of code, he wrote a computer programme that electronically replicated every aspect of the interoffice mail system.

5 Suggestions for TRADERS

1. Wait for good levels before entering any stock at any price after it has been booked.

2. ALWAYS try to book before results if the stock has moved a lot and you have made a good profit on it.

3. Try to maintain a disciplined attitude to investing, which entails knowing when to purchase and sell.

4. Decide how much you can lose, step 4. Don't copy other people's stop loss decisions because everyone's financial situation is different.

(Others have 1 crore, while others have 1 lakh. Decide what you believe is right for you.)

5. Don't purchase stocks at a set price; instead, hold onto your cash and profit from price changes. Even if an opportunity passes you by, maintain your discipline.