Shanghai shares drop on money crunch, drag HK lower
* Shanghai shares down 1.4 pct, but off of day’s lows

Read more on Reuters via Yahoo! Asia News

I have used astrology as a study interest and am absolutely bored with the rubbishy interpretations out there that are in print. It is all mix and muddle and so I wrote my version, its clear, fresh and contraversial I am told. No ‘old Devils’ in my book to look for. Its all about being alive.

The global financial scenario is changing its dimensions now. After a deep crisis, a breath of relief seems on the dock. Stock trading agencies around the globe are fetching good money out of the rigorous trading. It really means that the shocking financial trauma and economical deadlock is now over. Interestingly, among all the stock markets across the world, Indian Stock Market is one which has recovered from the meltdown very early. Before pushing the discussion in the causes and reasons, let’s try to find out bit about the Stock Market in India.

Indian Stock Market is such a great place where you may invest your hard-earned money. Being an undisputed leader among its Asian counterparts, Indian market has established a benchmark for the foreign institutions. From past four years, Indian market has witnessed numerous ups and downs and sometimes even more phenomenal crash as like in 2004. Later on this market had witnessed record gains for the Indian Equity scenario.

These passed years have given traders a fair opportunity to purchase those stocks that are profitable and exit with handsome profits. Traders bought and gained but the flow was not sustained for long time. With inflation towering high in developing countries like India, investors and traders has sown more interest in selling the stocks rather buying in fear of losing money. The FDIs has simply exit the scene thus left the Indian Stock market in severe financial crunch.

The financial prospects of Indian stock market is recuperating and gaining its lost sight. The recent times when the market fell from 23000 to the present 14000-15000 levels, in just a time frame of 5 months, is now looking towards a ray of hope. Don’t indulge in ups and downs as the bad phase has gone, however be prepared for the pros and cons of the stock market investment.

A proper investment guidance can do magic when you are going to trade shares in share market. Moneycontrol.com is such a place where all the information is easily available. What else you need if stock quotes, stock updates, daily stock alerts and every other information related to stock/stocks is in your reach. The platform that Moneycontrol.com has offered is ultimate in every aspect. Expert stock advice from the brokers and the stock experts is now one click away.

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With this book I intend to teach include handmade silver jewelry, with its own workshop and equipment very cheap. Similarly we want the reader learn to sell their creations and earn money with them…. More >>

How to Make Money Building And Selling Your Silver Handicrafts.

Investing company money that has built up within a business bank account poses a challenge to many company directors.

If you are a dentist that has decided to incorporate (or perhaps you’ve already done it), or a doctor with private earnings that has incorporated, one of the main differences you’ll have noticed is that there is now another party in your business life.

The Limited company.

Beforehand, life appeared to be simple. You earned your net profits, your accountant prepared your accounts and then informed you how much tax you had to pay in January and July. The after tax net profits were yours to keep and you would usually save any excess in a savings account, offset mortgage or allocate it to investments such as ISAs and pensions.

How easy it all was!

Since you set up your Limited company (which you now work for as you’re an employee), on the advice of your accountant your salary has reduced to a little over £5,000 pa and, as you feel you might struggle to live on this, you are also receiving dividends each month, as well as periodic dividends as and when required.

But wait a minute, prior to setting up the Limited company your net profit was £150,000 pa and the turnover of the business has actually increased slightly since then.

Where has all the money gone?!

Of course, as you’ll know the answer is that it’s still there.

The difference is that it sits within the Limited company bank account. The company has its own tax rates (corporation tax) and your accountant is the best person to advise you with regards extracting profit from it.

But one question we’re being asked more is what to do with the cash that sits within the company?

Where can you put it to get a reasonable rate of return?

The starting point is to realise that the savings/investment choices of a Limited company are not too dissimilar from your own as an individual.

Whilst we can’t cover all the options today, let’s take a look at some of the main ones.

1. Deposit Savings Account

It’s likely that your business bank also offers a range of savings accounts in addition to the normal day to day business bank account.

Our view is that it definitely pays to shop around here. Like with accounts available to you on a personal basis the rates are not high at present, however it’s probable that you’ll be able to improve on what your bank is offering.

At the time of writing, one major business bank is offering 1% pa AER, whilst a deposit account elsewhere is available at 2.19% pa AER. With the latter you need to save over £50,000 and give three months notice to withdraw any money, so only go for this if you don’t need instant access to your cash.

The account’s operated by post or over the phone, and has a maximum allowed balance of £250,000.

I recommend you do your own due diligence and compare what’s on offer in the market. It’s well worth the effort, as an additional 1% pa return on a balance of £100,000 equates to £1,000 pa.

This can be considered ‘easy money’, especially if you consider that it’s entirely possible that you will retain a reasonable sum of cash in the company on an ongoing basis (obviously, these rates are gross and tax will be due on the interest).

A word on protection.

As you’ll be aware (I think we all are after the banking crisis!), when saving money on a personal basis the first £50,000 of your savings are protected per banking licence.

If your company turnover is less than £1m pa, the company has the same amount of protection for money saved in UK registered banks. So, if you’re saving more than £50,000, you may want to spread it between different accounts (although the number to choose from is not as extensive as on a personal basis).

If the turnover is more than £1m, there is no protection at all. One way in which you can at least mitigate some of the risk is to spread your money between as many accounts as possible to at least diminish the chances of losing your money.

2. Investment Bonds

With an investment bond you invest a lump sum over a minimum period of 5 years (recommended, but not compulsory).

The bond is simply the ‘tax wrapper’ – the money will actually be invested in assets such as equities (shares), government bonds or cash. You decide where the money goes.

Just make sure you understand the risks before you write the cheque. In addition, as the recommended minimum investment period is 5 years, make sure you don’t need access to these funds in the meantime.

It’s worth noting when you’d pay tax on the investment, as the rules changed recently (effective from the company’s first accounting period on or after 1 April 2008).

If your Limited company operates on a ‘fair value’ accounting basis, corporation tax will be due on any increase in the value of the bond from one year to the next.

Companies that apply the ‘historic cost’ accounting basis will continue to benefit from tax deferral in respect of the bond. This is due to the fact that only the original value of the investment is normally shown on the balance sheet each year until the bond is encashed or otherwise comes to an end and a profit has arisen.

If your Limited company does operate the historic cost basis, you will have tax planning advantages as you will be able to control the point at which tax is paid. You’ll also be able to control cashflow by taking profits from the bond in a year in which overall profits are lower.*

3. Pension Schemes

As an employee, you are entitled to make pension contributions and receive tax relief at your highest marginal rate. You are entitled to contribute up to 100% of your income providing the income does not exceed £130,000 pa. If it does, restrictions currently apply to limit contributions to £20,000 – £30,000 pa (these anti-forestalling rules are quite complex, which we don’t have time to cover).

However, if your salary is now very low due to your new remuneration structure, you will only be able to contribute 100% of that amount to a pension scheme (we’re ignoring the NHS Pension Scheme here, this relates to a private personal pension type scheme).

A bit of a ‘catch 22′…

Well, one solution is to have the company pay the pension contribution on your behalf. The advantage is that there is no upper limit to how much can be contributed, although you need to make sure you follow the ‘wholly and exclusively’ guidance from HMRC.

Above all, make sure you take professional advice before you take any action.

The Financial Tips Bottom Line

There are a number of options available to the Limited company owner. From leaving the money in cash to investing with more risk (and potentially a greater return) the business owner has a number of decisions to make.

ACTION POINT

As you’ve probably done with your own personal affairs, take the time to research your options to enable you to make better decisions regarding the ongoing management of the company’s (your) money.

* Source: Scottish Widows techtalk June 2010

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A report on 66 Ways To Make Money With Handicrafts.
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66 Ways To Make Money With Handicrafts

New Marcellus money demands professional advice
The Marcellus Shale rush didn’t change the client base for Tunkhannock certified public accountant Paul Sidorek. The only thing that changed was the number of zeros he was handling. A typical client may be a retired farmer, who last year may have colle

Read more on The Daily & Sunday Review

Among all active stock exchanges, Bombay Stock Exchange and National Stock Exchange are the two main stock exchanges in India. Both exchanges play a major role in the growth of economy of the country. BSE is considered as one of the oldest stock exchanges in Asia that is accounted by the index known as Sensex. Nifty index works for NSE. Talking about the Sensex of Indian stock market, it was first used in the year 1986 according to the performance of thirty well-known and best companies. Investor started investing their money in it and in 1990 it touched the benchmark of 1000 and in 1992 it jumped to 4000. The story of its success not ends here; at the present time, it has touched the 15000 points. Moreover it is expected to touch 20000 by 2010 and 40000 within next five years.

Both BSE and NSE encompass numerous companies dealing in a variety of industry domains that help rising economy. Investors from different sectors are investing money in them. You will find almost 100 blue chip stocks and around 300 mid cap stocks and 500 small-caps in stock exchanges to invest your money. Due to a number of factors like financial crisis, natural disaster, political overturn and neighborhood relationship, Indian share market is famous for its instability. Thus, Securities and Exchange Board of India keep an eye on all activities and woks of stock exchanges.

SEBI makes numerous leading regulations for companies operating under the Indian share market to protect the rights of investors. In order to support and regulate the stock exchanges, directions and information of Securities and Exchange Board of India are also very effective and helpful. Known as very demanding investment options globally, this is the right place to invest. Interest of global investors who are investing money authenticates this statement. Share markets of India also deal in a variety of potential shares.

When it comes to know about the updates, current situation of Sensex and Nifty index, views of financial experts, business news, suggestion and tips of experts to invest the money in the right stock and IPO news, you can get all the information within a few clicks. There are a number of portals like MoneyControl.com (one of the leading financial portals), from where you can get all the details, suggestions and updates easily.

I live in Capital city of India and having 12 years experience in Accounting, Management, Banking, Overseas business. I am looking to better country to earn more salary and good for living i.e. friendly people, safe for foreigners and easy to live and availability of indian vegetarian food. Please advise me, I shall highly oblige for this advice.