Money & Market
Buying Your First Home? This Guide Contains Everything You Should Know
Purchasing or constructing a house is a big financial decision. A home loan can make the process simpler. It can give you up to 90% of the property price as a loan. You can also get tax benefit
s for paying the EMIs on time.
This article contains the most important tips you need as a first time home buyer.
The Top Things to Consider as a First Time Home Buyer
Choosing the Right House
Depending on your budget, you can choose to buy a big mansion in the heart of a capital city or a humble studio apartment in an upscale residential society. Alternatively, you may construct the house of your dream on freehold land, while ensuring that the place has all modern amenities and an improved transport network. Whatever you want, it is better to evaluate your needs and select the best property which fits your financial objectives.
Finalise the Amount You Need to Shell Out
Home purchase or construction is a significant investment. In most cases, home buyers cannot fund the purchase out of their savings, prompting the need to apply for a home loan. When you approach a lender, they evaluate your documents and calculate your eligibility before informing the home loan amount and interest. Look around for several lenders and choose the lender with the best terms.
Scour for the Lowest Interest Rates
First things first, the lower the home loan interest rates, the lesser the home loan EMIs. Home loan interest rates depend on various factors, such as income, credit score, loan amount, borrower’s age, etc. For example, if your credit score is above 800 and the loan amount is less than INR 35 lakh, you can expect the interest rates to start from 7.35% per annum. Conversely, if your credit score is less than 100 and the loan amount is greater than INR 35 lakh, the rates may start from 8.80%. Hence, if you want to get the best home loan interestrates, you should improve your credit score.
Check Your Eligibility
Lenders look at a wide range of information to determine your eligibility and offer you the best rates. Some such factors are age, location of the property, credit score, stability of income, nature of the income, and so on. Generally, you must be a citizen of India, and your age should be between 21 and 65. The location of the property is an equally important parameter and depends on the property’s resale value. For instance, if your property is in a prime location with all modern amenities, you can apply for the highest loan amount. Hence, before applying for the home loan, you must check your eligibility and negotiate with the lender.
Select the Loan Term Carefully
The term or tenure of a home loandecides how long you have to remain under the burden of debt. Generally, lenders offer up to thirty years for repayment. However, an extended term also comes with higher home loan interest rates. Hence, it is better to opt for a shorter term if you want to close the loan faster and become eligible to apply for a new loan.
As a first time home buyer, you will need to keep several things in your mind. Thankfully, a home loan from a reputed lender like PNB Housing can take away the stress of arranging money. PNB Housing offers attractive home loan interestrates and doorstep service delivery for faster loan approval. With interest rates at their multi-year lows, this is the best time to fulfil your dream of owning a house.
Money & Market
How ELSS works for Tax saving as well as wealth creation
As we approach the end of the financial year (FY) 2022-23, you must ensure that your tax planning for this FY is completed before 31st March 2023 so that you can avail the tax benefits available under various sections of Income Tax Act. One of the most popular section in Income Tax Act is Section 80C under which you can save in tax saving mutual funds, also known as ELSS mutual funds.
Tax savings under Section 80C
You can claim deductions of up to Rs 150,000 every financial year from your gross taxable income by investing in ELSS or ELSS mutual fund schemes. Along with ELSS mutual fund investment, you can also avail the tax benefit under this Section by investing in PPF, ULIP scheme of Insurance companies, VPF, NSC and 5 years tax saving FDs. In total, you can save a maximum upto Rs 46,800 by investing in Section 80C schemes.
What are ELSS Equity Linked Savings Schemes
Equity Linked Savings Schemes are diversified equity mutual funds with a lock-in period of 3 years. These funds diversify across different industry sectors and market capitalization segments. You can start investing in ELSS with Rs 100 only. There is no upper limit of investments in ELSS; however, you can claim tax deduction of up to Rs 1.5 lakhs u/s 80C. ELSS funds are open-ended but redemptions are not allowed before completion of 3 years from date of investment. You can invest in SIP either in lump sum or through SIP. If you are investing in ELSS through SIP, then each SIP installment will be locked in for 3 years.
Would you like to know how SIP works for investors in any life stage?
Wealth creation by ELSS
Many tax payers make 80C investments purely for the purpose of tax savings. However, your investments should have some objective, other than purely tax savings. It can be capital appreciation or income generation.
Historical data shows that equity, as an asset class, has the potential of giving superior returns in the long term. In the last 20 years (ending 31st December 2022) Nifty 50 TRI has given 16.6% compounded annual growth rate (CAGR) returns (source: NSE, Advisorkhoj Research, as on 31st December 2022. Disclaimer: Past performance may or may not be sustained in the future).
The chart below shows how much wealth you could have accumulated through a monthly SIP of Rs 10,000 in Nifty 50 TRI over the last 20 years (ending 31st December 2022). With a cumulative investment of Rs 24 lakhs, you could have accumulated a corpus of nearly Rs 1.2 crores over the last 20 years. This chart clearly demonstrates the wealth creation potential of equity as an asset class over long investment horizons.
Source: NSE, Advisorkhoj Research, as on 31st December 2022. Disclaimer: Past performance may or may not be sustained in the future
The chart above shows the wealth creation potential of equity as an asset class. ELSS funds are actively managed schemes which invest across industry sectors and market capitalizations segments. Since ELSS funds can invest across market capitalizations segments, there is opportunity for fund managers to create alphas (give higher risk adjusted returns than market benchmark) by investing in a bigger universe of stocks, which have potential of giving higher returns due to growth or value opportunities. The three year lock-in period enables ELSS fund managers to invest in high conviction stocks for a long period of time because of relatively less redemption pressure.
You may also like to read – be it a tax saving exercise or a wealth building one we have ELSS as a pillar of strength
Tax advantage of ELSS
Taxation on redemption or maturity proceeds should be an important consideration in making informed investment decisions. While EPF, VPF and PPF maturity proceeds are tax free, interest income on VPF contributions in excess of Rs 2.5 lakhs in a financial year, will be taxed as per your income tax rate. 5 year tax saver Bank FD interest is taxed as per your income tax rate. The interest component in NSC maturity proceeds is also taxed as per your income tax rate but the accrued interest every year can be claimed as part of 80C deductions for the year. Life insurance maturity proceeds are tax free, as long as the premium does not exceed 10% of the sum assured (for policies issued before 1st April 2022) or 20% of the sum assured (for policies issued before 1st April 2022). ELSS is one of the most tax efficient 80C investment options. Capital gains of up to Rs 1 lakh in ELSS investments is tax exempt in a financial year and taxed at 10% plus applicable surcharge and cess thereafter.
Who should invest in ELSS?
- Investors looking to save taxes by investing in schemes eligible u/s 80C. You can save up to Rs 46,800 per year in taxes by investing in ELSS.
- Investors who are looking for capital appreciation or wealth creation over long investment tenures.
- Investors should have minimum 3 year investment horizons for ELSS. Though you can redeem your ELSS units partially or fully after the completion of 3 years from date of investment, you should have long investment horizons for ELSS – the longer your investment horizon, higher will be the wealth creation potential of your investment.
- Investors should have moderately high to high risk appetites for ELSS.
- Tax saving investments u/s 80C must be made before 31st March of a financial year, if you want to claim the benefits for the same year. You must plan accordingly.
You should consult with your financial advisor or mutual fund distributor regarding your tax planning and discuss if ELSS is suitable for your tax planning and long term investment needs.
Money & Market
Nycsouthpaw | Discover the Benefits of Working with Nycsouthpaw
Welcome to Nycsouthpaw, a leading provider of comprehensive digital services. Founded in 2015, we have since grown to become one of the most trusted digital service providers in the US. Our mission is to help businesses of all sizes grow and succeed in the digital age. In this guide, you will learn more about our services, success stories, pricing structure, and more. Keep reading to discover the many benefits of working with Nycsouthpaw.
Introduction to Nycsouthpaw and its mission
Nycsouthpaw is a premier digital service provider that specializes in helping businesses of all sizes succeed in the digital age. Founded in 2015, we have since grown to become one of the most trusted digital service providers in the US.
We pride ourselves on our commitment to excellence, providing our clients with top-notch services that are tailored to meet their individual needs. Our mission is to help businesses of all sizes grow and succeed in the digital age. We have an experienced team of professionals who are dedicated to providing the highest quality services and support.
History of Nycsouthpaw
Nycsouthpaw was founded in 2015 by a team of experienced professionals who are dedicated to helping businesses of all sizes succeed in the digital age. Our team has a wealth of experience in various aspects of the digital landscape, from web design and development to online marketing and search engine optimization.
We also have a deep understanding of how to leverage digital tools to help businesses increase their visibility, reach, and profitability. We have worked with a wide range of clients, from small startups to large corporations, and we are proud to have helped them achieve their goals.
Overview of NYC Southpaw’s services
At Nycsouthpaw, we offer a wide range of services to help businesses succeed in the digital age. We specialize in web design and development, online marketing, search engine optimization, and more. We also provide services such as logo design, graphic design, and copywriting. Our team is always available to provide our clients with the support they need to achieve their goals.
Benefits of using Nycsouthpaw
There are many benefits to working with NYC Southpaw. Our team is comprised of experienced professionals who are dedicated to providing the highest quality services and support. We also have a deep understanding of how to leverage digital tools to help businesses increase their visibility, reach, and profitability. Additionally, our prices are competitive, and we are always available to provide our clients with the support they need.
Examples of successful projects completed by Nycsouthpaw
Over the years, we have completed a wide range of successful projects for our clients. We have helped small startups launch their businesses, large corporations create their online presence, and everything in between. We have worked with clients in various industries, from fashion to finance, and our team has been able to help them achieve their goals. Our portfolio includes projects such as web design and development, online marketing, search engine optimization, logo design, graphic design, and copywriting, among others.
NYC Southpaw’s pricing structure
At NYC Southpaw, we offer competitive prices for our services. We understand that every client has different needs, so we offer customized packages that are tailored to meet the individual needs of our clients. Our prices are based on the scope and complexity of the project, and we are always available to provide our clients with the support they need.
How Nycsouthpaw stands apart from the competition
At NYC Southpaw, we strive to provide our clients with the highest quality services and support. Our team is comprised of experienced professionals who have a deep understanding of how to leverage digital tools to help businesses increase their visibility, reach, and profitability. Additionally, our prices are competitive, and we are always available to provide our clients with the support they need. We believe this sets us apart from the competition.
We are proud of the success our clients have achieved with our help. Our clients have been kind enough to provide us with testimonials, which you can read on our website. Our clients have praised us for our commitment to excellence, our competitive prices, and our ability to help them achieve their goals.
Frequently asked questions
We understand that our clients may have questions about our services and pricing. We have compiled a list of frequently asked questions to help our clients get the answers they need. Our FAQ section is updated regularly, so please check back for the latest information.
Conclusion and call to action
We hope this guide has given you a better understanding of the many benefits of working with NYC Southpaw. Our team of experienced professionals is dedicated to providing our clients with the highest quality services and support. We are proud of the success our clients have achieved with our help. If you would like to learn more about our services, please feel free to contact us. We look forward to helping you succeed in the digital age.
Money & Market
Bitcoin mining difficulty drops 0.2% in the latest adjustment
The latest data shows that the Bitcoin mining difficulty dropped 0.2% after the last adjustment. However, it’s crucial to note that the adjustment from October 24 increased the difficulty to the highest level so far.
Suppose you’re familiar with the crypto sector; you know that the Bitcoin mining difficulty changes every two weeks as a measure to allow miners to join the process. The mining difficulty determines the miners’ effort in verifying transactions in a block. The amount of computing power required in the mining process and the mining hash rate directly impact the mining difficulty. The hash rate changes every two weeks, so the mining difficulty also suffers. This measure is paramount for the system’s stability and directly impacts the Bitcoin blockchain ecosystem. The difficulty level adjusts twice a month because blocks require processing every ten minutes.
The high number of miners on the protocol increases the difficulty rate and impacts the periodic adjustment.
Let’s learn more about the mining difficulty
The number of investors who learn how to buy crypto is growing daily, and most of them are joining the sector due to Bitcoin’s popularity and its promise to allow them to make a return on their investment. When a digital asset like Bitcoin gains greater popularity, the number of traders interested in purchasing it increases. Therefore, the network requires a higher number of computers participating in the peer-to-peer networks to produce more blocks. Miners compete against each other to create blocks and get rewards. When the computing power and number of participants in the network increase, the hash power of the ecosystem also upsurges. Specialists refer to this phenomenon as the mining difficulty. You’ll find it easier to understand how it functions once you learn more about Bitcoin mining. All Bitcoin transactions are stored in blocks, which the Bitcoin blockchain integrates every 10 minutes. The difficulty requires periodic adjustments to maintain the time the blockchain needs to process a block at 600 seconds.
The Bitcoin network adjusts the mining difficulty automatically at every 2,016 blocks mined. Depending on the number of network participants and the hash power, the difficulty can move downward or upward.
The mining equipment registered upgrades
At first, miners used the CPUs from PCs to mine cryptocurrency, but as the sector evolved, they understood that graphics cards were more effective at mining Bitcoin. However, graphic cards require higher amounts of energy, which turned Bitcoin mining into an expensive and environmentally pollutive task. Over the last couple of years, developers created special application-specific integrated circuit chips for mining Bitcoin. Currently, mining pools where several miners combine their hash rates and forces enable the mining of Bitcoin and other cryptocurrencies.
Miners must solve complex mathematical puzzles to validate blocks, a process requiring huge amounts of computational power. Due to the increasing difficulty of mathematical puzzles over the years, miners were forced to join their forces and create mining pools to validate blocks efficiently. The first mining pool or miner that identifies the right hash gets rewarded for verifying the block.
The network rewards miners with new native tokens or new coins when they successfully solve mathematical puzzles. When a mining pool finds the right hash, the participants split the reward in proportion to their share of computing power. Crypto specialists state that mining is similar to searching for a needle in a haystack because the Bitcoin code creates several hashes, but a single one is correct. And let’s not forget that Bitcoin has a limited number of 21 million units. At present, over 85% of all coins have been mined, and experts believe that the last bitcoin will be mined by 2140.
What happens when the last bitcoin is mined?
Many people wonder if the difficulty will disappear once the last bitcoin is mined. Specialists state that miners will still be needed even after the last bitcoin is mined to keep the network running. They will still enable the creation of blocks but most likely receive another kind of reward. Instead of receiving new tokens, they’ll get a share of transaction fees spent by traders.
Is Bitcoin mining profitable?
Aside from the money miners spend to purchase the hardware required for mining new bitcoins, their profit and revenue depends on how many miners are present on the market and the market conditions. During bull markets, Bitcoin’s price could skyrocket, making mining new tokens profitable. However, bull markets are often followed by bear markets, and miners must decide if the task is lucrative enough for them. The bull market encourages miners to use the profit to purchase more decides and tap into the revenue stream to increase their long-term revenue. However, the revenue is subjected to an adjustment where less efficient miners start earning less than their electricity bills and are forced to shut off their devices. This trend usually allows other, more efficient miners to earn more tokens because they verify more blocks. However, this trend doesn’t happen overnight because the market is subjected to a particular lag and ASICs aren’t produced quickly enough to make up for the currency’s increase in value.
During crypto winters, like the one the market is dealing with at the moment, the opposite principle holds, miners have such a small revenue they prefer to turn off their devices. The secret to transforming bitcoin mining into a lucrative job in bear markets is to find a winning combination of hardware and a location with affordable energy. The crypto winter allows only a couple of miners to maintain their edge because the task requires them to reinvest the capital to continually maintain and change hardware.
At the moment, Bitcoin cannot move above its market’s status quo and maintains a tricky trading range. However, the end of the year might change the inflation rate and allow Bitcoin to move slightly away from the present market influence. Besides the market factors, experts believe that unemployment claims worldwide could also impact the asset’s volatility and mining difficulty.
Money & Market
New to crypto investing? Here’s a guide
New to crypto investing? Here’s a guide: Isn’t “bitcoin” a mysterious concept? Many people are unfamiliar with the technology that underpins bitcoin, let alone how it works as an investment. The value of bitcoin has risen well above many investors’ expectations over the last decade. We will illuminate this notion.
If you believe bitcoin is suitable for you, this beginner’s guide will educate you how to invest in it and how it works.
“What gives a bitcoin unit its value?” you may question. The value of most assets is decided by market considerations. Take, for example, the real estate market. What factors influence a property’s value? A property may be valued higher if it is in a desirable location, more luxury, or in a community where house values are projected to rise.
What about investments? The success of the firm typically determines stock value (or the impending success of the company). Higher earnings translate into higher dividends, which translate into higher stock prices.
You read that right. The value of bitcoin is determined solely by customer interest in purchasing cryptocurrency. If a large number of individuals acquire cryptocurrency, its value will climb. If individuals stop purchasing cryptocurrency, the value will decline.
This is a perplexing idea for both new and experienced investors. However, for high-risk investors who often trade in volatile assets, this isn’t such a wild concept. A “volatile asset” is one whose value may vary dramatically and quickly. Penny stocks are a popular (and more “acceptable”) sort of volatile asset. They frequently represent too much danger for the typical investor, but they may produce exceptionally large
Similarly, if an investor takes advantage of market spikes, bitcoin might provide significant profits.
Bitcoin is the most valuable and commonly held crypto on the market, and with prices in the crypto and stock markets tumbling, now might be a good moment to purchase if you’re willing to take the risks and want to invest.
1. Select an Exchange
Bitcoin cannot currently be acquired through your bank or investment business, while several institutions are attempting to make this possible in the future. For the time being, you’ll have to use a cryptocurrency trading site to convert your US dollars into Bitcoin or other digital currencies.
There are hundreds of cryptocurrency exchanges where you may buy cryptocurrency online, but some of the most prominent include DIFX, and Binance. These are online marketplaces where you may purchase and trade cryptocurrency.
A few things might help you narrow down your search for the best platform:
Unlike FDIC-insured bank accounts, cryptocurrency investments are not backed by a central entity. If your account is compromised or the site where you store your coins is hacked, you may lose your investment.
If you intend to keep your cryptocurrency on an exchange’s account rather than in your own crypto wallet, make sure you select an exchange that employs offline, cold storage and has robust anti-theft safeguards. Some exchanges also have their own insurance coverage in place to safeguard investors from potential hacking.
Exchange fees can vary substantially and may be charged as a one-time flat cost or as a percentage of your trades. Fees might be depending on the volatility of the market, and many are levied per transaction.
C. Availability of Coins
Not every coin is available on every exchange.
Popular currencies such as Bitcoin (BTC) and Ethereum (ETH) are available on the majority of cryptocurrency exchanges, but smaller esoteric altcoins may only be available on a few exchanges.
2. Add Money to Your Account
When you create your account, you may be required to enter information such as your Social Security number, ID, and source of income, depending on the exchange you pick.
Most exchanges will allow you to transfer US dollars into your exchange account by connecting your bank account or a debit card. Fees may vary based on how you load your account; normally, bank transfers are less expensive than card choices.
3. Make a Purchase
After you’ve linked a payment method, you’ll be able to place your Bitcoin order. Depending on the exchange, this process may alter.
4. Use Secure Storage
Many exchanges enable you to leave your investment in your account, which is the most convenient option for most newcomers. However, if you want to increase the security of your digital assets, you may store them in a cryptocurrency wallet.
A cryptocurrency wallet is a storage location for digital money. There are several types of bitcoin wallets available, each with a distinct level of protection.
Your exchange may have a wallet option, allowing you to effortlessly move your coins from your exchange account to a more secure wallet. You may also utilize third-party software or cold storage on a standalone hardware device.
Bitcoin is a wonderful place to start for new crypto investors. Bitcoin, being the first cryptocurrency, has the longest track record for investors to evaluate. Bitcoin’s value has climbed rapidly over the last decade since its inception in 2009. As a long-term store of value, many experts compare it to “digital gold.”
While Bitcoin’s recent large price fluctuations have highlighted its volatility, many experts believe that a small ownership of cryptocurrency, such as Bitcoin, may be a good (albeit speculative) diversifier in your overall investing plan.
The NextAdvisor Investability Score considers bitcoin and ethereum to be better investments due to their lengthier track records and long-term value increase, among other critical reasons.
As with any investment, it’s critical to do your homework and understand what you’re putting yourself into. Make sure that any cryptocurrency investments you make do not interfere with other goals, like financing your retirement accounts and paying off high-interest debt.
Money & Market
What impact has bitcoin had on Russia’s fishing industry?
Bitcoin has revolutionized the fishing industry of Russia in several ways. First, it has made it easier for fishers to sell their catch. They may now sell their fish straight to customers without intermediaries. For more information visit here.
Second, bitcoin has made it easier for fishers to get paid. It has made it easier for them to access their funds to purchase supplies and pay their employees.
Several Ways how bitcoin affected the fishing industry of Russia
The Russian government has been accepting Bitcoin as a legal tender since 2016, which has had a positive impact on the fishing industry in the country. Bitcoin has made it easier for fishers to sell their catch directly to buyers without intermediaries.
Bitcoin has also allowed anglers to access new markets, as buyers worldwide can now purchase their fish using cryptocurrency.
Bitcoin has made it possible for fishers to get paid instantly for their catch without waiting days or weeks to receive payment. In addition, the use of Bitcoin has helped reduce corruption in the fishing industry, as anglers no longer have to pay bribes to officials to sell their fish.
Bitcoin has allowed fishers to price their catch more accurately, as they can now set the prices based on the market conditions.
The use of Bitcoin has led to an increase in the number of seafood exports from Russia, as buyers worldwide are now interested in purchasing Russian fish. In addition, Bitcoin has helped create new jobs in the fishing industry, as more and more anglers are starting to use the cryptocurrency to sell their catch.
To meet the demands of the Russian fishing industry, the country produces 1.2 million tonnes of fish annually from the fishing grounds of its territorial waters.
Recently, many Russian fishers began complaining about some of the negative economic consequences of the availability of bitcoin and other digital currencies, which are being used by some to transfer and trade their money for other forms of currency.
Russian anglers need to understand how blockchain technology works, and it doesn’t work. The catch, trolling technique, and other regulations are often based on the old IT way of doing business. Unfortunately, the IT way of doing business is outdated and needs a change.
Several Negatives of bitcoin affected the fishing industry of Russia
The low liquidity of bitcoin harms the Russian fishing industry as it hampers its ability to access international markets. In addition, the volatility of bitcoin makes it difficult for businesses in the Russian fishing industry to price their products and services effectively.
The lack of regulation in the bitcoin markets makes it difficult for businesses in the Russian fishing industry to protect themselves from fraud and theft. In addition, the lack of understanding about bitcoin amongst consumers and businesses in the Russian fishing industry makes it challenging to use this digital currency effectively.
The competition from other digital currencies such as Ethereum and Litecoin is also a challenge for businesses in the Russian fishing industry that want to adopt bitcoin.
The high transaction fees associated with bitcoin transactions make it difficult for businesses in the Russian fishing industry to use this digital currency for everyday transactions.
The limited use cases of bitcoin make it difficult for businesses in the Russian fishing industry to find practical applications for this digital currency.
The security concerns around bitcoin have led to several high-profile hacks and thefts, which have harmed the Russian fishing industry. The fishing industry of Russia is a huge and important one.
The fishing industry is a family business, with many generations in the backstops of their livelihood. However, the price of fish, mainly salmon, is at astronomical levels. The demand for all types of fish is rising significantly, but the price is not.
The prices in the markets are increasing, and production is declining. Therefore, it is believed that the cost of salmon will not go down because of blockchain technology; it will go up simply because the new technology will be implemented into the production of salmon.
The Russian fishing business has had both good and bad effects due to Bitcoin. While it has helped reduce corruption, increase profits and create new jobs, it has also caused volatility and security concerns. It remains to be seen how bitcoin will affect the Russian fishing industry in the long run.
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