For a long time, I have been selling a small number of stocks and buying some others. Regarding buying when I am buying I pay them immediately but while selling I ask them to send me like every day. So there is no due between us.
Since I have been selling day by day. Should I ask (my broker) them to send me money all at once?
Diunkai 5,000 , 6000 magera ta bhayena. Jasto feel bhako cha malai. What would be a profitable option for me?
View on r/NepalStock by [deleted]
My demat was expired, i paid the due amount and the bank guy is telling me to visit tomorrow before they unfreeze my share, so i was wondering how much time do i have before a penalty is struck on me?
View on r/NepalStock by [deleted]
For those who are unfamiliar with the domaining business, it entails buying, selling, developing, and monetizing domain names. It is, in fact, a BIG business with the potential to earn you a million dollars. You may not believe me, but when you consider that AsSeenOnTv.com was sold for $5.1 million, Autos.com was sold for $2.2 million, Express.com was sold for $1.8 million, and so on.
It’s a million-dollar business, but it’s not just about big names; expert domainers frequently make $10,000 or $100,000 on unknown domains as well. With so many new domain name extensions entering the market and so many businesses closing down and abandoning premium domain names on a daily basis, the industry is constantly growing. This expansion brings with it an ever-increasing potential for success, but it also brings with it a slew of new challenges.
This article will go over a few important checklist items to think about when starting a domaining business from scratch.
Yes, money is required to start a domaining business, and it can range between $100 and $100,000. Successful domainers typically own a large number of domains to build their portfolio, but you can begin with a small number. A lot depends on the business model you choose, and your financial needs will vary accordingly.
To be honest, you don’t need any specific skills, but you should be eager to learn, gain experience, and grow. The best way to learn about domaining is to do it yourself. To be successful in your domaining business, you will need experience, which you will gain through experimentation and learning from relevant domaining resources such as Purely Space. Never close the doors to learning, and you will find success!
In reality, no business is risk-free, and domaining business is no exception. You must be aware of the various types of risks associated with the domaining business, such as domain marketplace scams, the value of.com names (or other top-level domains) decreasing for various reasons, typosquatting popular companies can result in a lawsuit from the company, and so on. Domaininvesting.com has correctly described the five types of risks associated with the domaining business.
Every business has ethical and unethical ways to make money, and the domaining business has some unethical ways to make money as well. It is critical to be aware of and avoid these bad habits. The following business models should be avoided:
If you are serious about getting into the domaining business, the best option is to go the legal route, which is both risk-free and highly rewarding. Here are some of the most successful domaining business models.
Make sure to choose the right business model before you begin your domaining venture. Take some time to learn about all of the different business models and then select the one that suits you best. Experienced domainers run multiple business models at the same time, but as a newcomer, it’s best to start with a single direction.
Have you decided to invest in the stock market? Consider these 7 stock market investing tips when making your investments.
1. Have a solid comprehension of basic economic principals.
Before you get started, you should understand basic principals and laws of economics. The stock market closely follows the law of supply and demand. For example, when there is a large demand for the stock of a certain company, the cost of its stock will increase along with the demand. However, if there are more stock available for sale than there are buyers, the unit price of that company stock will decrease.
2. Learn about prospective companies you want to invest in.
Do your homework before you invest in prospective companies. Read the company annual report and find out about their products, operations, services and basic business track record. This information gives you an idea of how stable the company is and whether they can deliver on their promise to offer profits to investors.
3. Select companies with staying power.
There are so many companies that exist in today’s stock market, selecting becomes a major decision for beginning investors. Relatively stable companies and business are owned by the government, unless there is a political revolution or crisis going on. Gasoline companies and telecommunications companies are usually profitable and stable because there is a constant demand for their services and products. While IT companies are rapidly growing in today’s stock market, there are so many of them it may be a challenge to check their profiles to exercise reasonable care before investing. Before putting your money into an IT company, verify their track record and make sure they are stable and profitable for a minimum of 10 years.
4. Keep an eye on the news.
Guesswork is completely ineffective when it comes to investing in the stock market. Good intuition and solid decision-making come from learning about global and local news both politically and economically. When you watch the news, make sure to keep track of the industry your company is in. Even stable companies may go bankrupt or have a major blow that will bring them down.
5. Don’t put all your eggs in one basket.
Avoid investing in just one company and spread out your stock investments to several businesses. When you have stock concentrated in just one company, you have a greater chance of losing it all. When you spread out your investments over several companies, those earning profits can cushion the ones that not not as profitable.
6. Stockbrokers aren’t the final word.
A stock broker is actually gambling with your money so you need to do your own homework. Dishonest brokers can take advantage of investors who do not fully comprehend how the stock market works.
7. Greed is your enemy.
While everyone is eager to make profits in the stock market, an investor loses their sense of reason when they are fueled by greed. A money hungry investor may forget to check on economic rumors and spontaneously decide to sell or buy with the thought of making major profits and then lose it all.
Putting your money in the stock market can of course be risky, but the above stock market investing tips should help point you in the right direction.
While investing in the stock market is a risky proposition, that should not stop aspiring investors from taking that first leap. The secret of investing lies in having a stock market strategy for long term success.
Savvy investors only get into a stock market investment after they become aware of the necessary information about the company. It is unwise to invest in companies before learning everything about them including future plans, current performance and their past history.
It is impossible for an investor to know everything right away. Getting investment advice helps investors locate the right stock that will offer significant profits over time. And an investor should always be aware of the fundamental value of the stock they are purchasing.
Choose to invest in a company that is part of a familiar industry. An investor should have a decent understanding of the business they are investing in so they can fully comprehend the value of the stock. By having this type of knowledge, investors are more independent and do not need to rely solely on advisers and analysts.
Investors should carefully select the sources of information they rely upon. Tips offered out in the stock market should usually be avoided as they are typically provided by people with vested interest.
When investors get started in the stock market, it is important to set a long term goal for success. The goal determines the approaches to be used and influences the decision made in the future. Having a solid goal ensures greater regularity in the face of indecision when the stock market moves.
A long term goal helps investors avoid making spur of the moment decisions that could negatively affect their financial picture. A long term goal helps investors create a more stable financial future by making steady investment purchases. With a long term goal in mind, an investor has greater consistency.
Speculative ventures must be avoided when investing in the stock market. While there are risks in any business enterprise, they must be calculated carefully to reduce the possibility of loss and maximize potential profits. Guesswork simply does not work when it comes to stock market investing.
Stock investing is not gambling and should not be treated as a game. Investor can lose major money in the stock market and investments simply should not incur huge losses. It is simple to purchase stocks, but difficult to regain lost money.
No investor can afford to make costly mistakes in the stock market. When investors have the desire to gamble, the long term goal must be strictly reviewed and then followed. By revisiting the long term goal, investors can minimize the probability of investing too much money and losing it all.
Self-motivation is required for successful investing. To make the most of the stock market, the investor needs to have discipline and determination to keep persevering to achieve their goals.
To be a winner in investing today, you must have courage, passion, knowledge and a stock market strategy. A prudent investor can take advantage of the myriad of opportunities in the stock market for greater financial freedom in the future.
Choosing a reliable router is critical for getting the best WiFi performance out of your home network. Discover how to choose the best wireless router for your home WiFi.
In Nepal, we have routers ranging from low-end to very high-end for various customer classes. TP-Link, Nokia, NETGEAR, Digicom, and other brands are available. When you setup a new internet connection, you are given a default router that meets the most basic criteria. However, if you want to ensure optimal performance as well as improved security for your home network, you must consider a number of variables.
More antennas (MIMO) correspond to improved signal direction and allow you to receive the maximum bandwidth equitably across all of your devices. Using numerous antennas generates numerous streams of data packets over radio channels, increasing data speed to the devices.
Routers with only one antenna are a thing of the past. All ISPs now provide their clients with dual antenna routers. However, if you want greater confidence, you can purchase a router with three additional antennae if necessary. However, there are more performance criteria than just antennas, which brings us to frequency bands.
As our internet requirements grow, so should the functions of routers. We require routers that provide continuous connections while using the same bandwidth. This necessitates the use of a dual-band router capable of delivering a continuous connection. Routers operate on two frequencies: 2.4GHz and 5GHz. A 6 GHz model is on the way.
Another important element for modern companies or even households is the USB port. We can connect hard drives, printers, and other devices to the router and use them to run prints, examine data, and update software. If you have a USB C connector, you can charge your phone while making critical calls.
Currently, most routers that come included with ISPs include a USB 2.0 port. If you want to go a step further, get your new router with USB 3.0 and USB-Type C capability.
In recent years, the concept of smart houses has grown in popularity. Although the definition of a smart home is hazy, it includes the use of IoT, Alexa, Chromecast, Sensors, and other devices that require a stable internet connection with a high bandwidth speed.
A router that is linked with Alexa or Google Assistant is required to supplement the demands for a Smart Home connection.
Having a router with smart home integration will allow you to run many apps and devices at the same time, resulting in a domestic eco-system. You can control the router by speaking commands to Alexa. You can enable or disable WiFi, switch off the router’s LED lights, and so forth.
If you want to buy a router that works with Alexa, you can go with the TP-Link Deco Voice X20 or look for others available in Nepal.
An extension is good for one or two rooms, but if you want a full WiFi network solution, a mesh router is your best alternative.
It is possible to infiltrate a greater area with a mesh Wifi router, such as the balcony or the basement, to the poolside.
Mesh routers use two or more connected devices to provide a consistent WiFi signal throughout your area. It’s similar to configuring a slew of routers at home. Mesh router settings will provide you with a flawless WiFi connection in any room or region of your home.
Mesh WiFi routers can easily found online.
Security features are critical for protecting your home network from hackers and spies. Routers do include security measures such as antivirus software, VPNs, and other extensions to help safeguard the connection. The issue is that these features are not properly supported by routers with low-cost hardware.
The image above depicts a typical menu of a Wifi Router that comes standard with Ntc FTTH.
Allow yourself some time to research a specific router if you have your heart set on it. You should look at its performance, dependability band, and security features to see if it meets your needs.
You may find professional reviews on reputable websites, as well as consumer evaluations on YouTube. You can also read the buyer reviews and learn from their experiences. It does aid in determining whether the router you desire will satisfy your expectations. Learning ahead of time will save you money and help you avoid future regrets.
So those are the guidelines we prepared to assist you in determining your next best router. However, it is entirely dependent on your needs and budget. Most default routers provided by ISPs have a single band that operates at 2.4GHz. They have one or two USB 2.0 ports as well as basic security measures and a restricted network range.
We have compiled a list of critical elements that will ensure you get the best performance out of your router. However, the following critical question is which one you would require. Do you require a WiFi router with a 5GHz band, or do you require a WiFi Mesh router for a greater area? Or would you be OK with a standard router with a 2.4GHz band?
The solution is in your goals. If you’re looking for a router for a large workplace with a lot of employees who use a lot of bandwidth, the default router from your ISP might not be the best option. Furthermore, network congestion may not be beneficial on a standard router. For constant performance, you may need to purchase a 5GHz router.
Meanwhile, if you’re only using it for your little family, any basic router will suffice. Spend less on specifications and more on dependability and ease.
In Nepal, you may purchase routers ranging in price from NRs. 2,000 to NRs. 15,000 or above. The major brands that offer numerous routers in various classes include TP-Link, Digicom, NETGEAR, and others. Mesh routers and repeaters are also available from several online retailers. As a result, first decide what features you want in a router before parting with your money. Having the greatest Wifi router is one strategy for increasing your internet speed.
Which WiFi router are you currently using? Are you happy with its signal range and performance, or do you intend to replace it? What features in a decent wireless router are most important to you? Please share your thoughts in the comments box below.
Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.
While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.
Here are several tips that should be followed by beginning investors.
Everyone is looking for a quick and easy way to riches and happiness. It seems to be human nature to constantly search for a hidden key or some esoteric bit of knowledge that suddenly leads to the end of the rainbow or a winning lottery ticket.
While some people do buy winning tickets or a common stock that quadruples or more in a year, it is extremely unlikely, since relying upon luck is an investment strategy that only the foolish or most desperate would choose to follow. In our quest for success, we often overlook the most powerful tools available to us: time and the magic of compounding growth. Investing regularly, avoiding unnecessary financial risk, and letting your money work for you over a period of years and decades is a certain way to amass significant assets.
Here are several tips that should be followed by beginning investors.
1. Set Long-Term Goals
Why are you considering investing in the stock market? Will you need your cash back in six months, a year, five years or longer? Are you saving for retirement, for future university expenses, to purchase a home, or to build an estate to leave to your beneficiaries?
Before investing, you should know your purpose and the likely time in the future you may have need of the funds. If you are likely to need your investment returned within a few months, consider another investment; the stock market with its volatility provides no certainty that all of your capital will be available when you need it.
By knowing how much capital you will need and the future point in time when you will need it, you can calculate how much you should invest and what kind of return on your investment will be needed to produce the desired result.
Remember that the growth of your portfolio depends upon three interdependent factors:
Ideally, you should start saving as soon as possible, save as much as you can, and receive the highest return possible consistent with your risk philosophy.
2. Understand Your Risk Tolerance
Risk tolerance is a psychological trait that is genetically based but positively influenced by education, income, and wealth (as these increase, risk tolerance appears to increase slightly) and negatively by age (as one gets older, risk tolerance decreases). Your risk tolerance is how you feel about risk and the degree of anxiety you feel when risk is present. In psychological terms, risk tolerance is defined as “the extent to which a person chooses to risk experiencing a less favourable outcome in the pursuit of a more favourable outcome.” In other words, would you risk NPR 1000 to win NPR 10,000? Or NPR 10,000 to win NPR 10,000? All humans vary in their risk tolerance, and there is no “right” balance.
Risk tolerance is also affected by one’s perception of risk. For example, flying in an aeroplane or riding in a car would have been perceived as very risky in the early 1900s, but less so today as flight and automobile travel are common occurrences. Conversely, most people today would feel that riding a horse might be dangerous with a good chance of falling or being bucked off because few people are around horses.
The idea of perception is important, especially in investing. As you gain more knowledge about investments – for example, how stocks are bought and sold, how much volatility (price change) is usually present, and the difficulty or ease of liquidating an investment – you are likely to consider stock investments to have less risk than you thought before making your first purchase. As a consequence, your anxiety when investing is less intense, even though your risk tolerance remains unchanged because your perception of the risk has evolved.
By understanding your risk tolerance, you can avoid those investments which are likely to make you anxious. Generally speaking, you should never own an asset which keeps you from sleeping in the night. Anxiety stimulates fear which triggers emotional responses (rather than logical responses) to the stressor. During periods of financial uncertainty, the investor who can retain a cool head and follows an analytical decision process invariably comes out ahead.
3. Control Your Emotions
The biggest obstacle to stock market profits is an inability to control one’s emotions and make logical decisions. In the short-term, the prices of companies reflect the combined emotions of the entire investment community. When a majority of investors are worried about a company, its stock price is likely to decline; when a majority feel positive about the company’s future, its stock price tends to rise.
A person who feels negative about the market is called a “bear,” while their positive counterpart is called a “bull.” During market hours, the constant battle between the bulls and the bears is reflected in the constantly changing price of securities. These short-term movements are driven by rumours, speculations, and hopes – emotions – rather than logic and systematic analysis of the company’s assets, management, and prospects.
Stock prices moving contrary to our expectations create tension and insecurity. Should I sell my position and avoid a loss? Should I keep the stock, hoping that the price will rebound? Should I buy more?
Even when the stock price has performed as expected, there are questions: Should I take a profit now before the price falls? Should I keep my position since the price is likely to go higher? Thoughts like these will flood your mind, especially if you constantly watch the price of a security, eventually building to a point that you will take action. Since emotions are the primary driver of your action, it will probably be wrong.
When you buy a stock, you should have a good reason for doing so and an expectation of what the price will do if the reason is valid. At the same time, you should establish the point at which you will liquidate your holdings, especially if your reason is proven invalid or if the stock doesn’t react as expected when your expectation has been met. In other words, have an exit strategy before you buy the security and execute that strategy unemotionally.
4. Handle Basics First
Before making your first investment, take the time to learn the basics about the stock market and the individual securities composing the market. There is an old adage: It is not a stock market, but a market of stocks. Your focus will be upon individual securities, rather than the market as a whole. There are few times when every stock moves in the same direction; even when the averages fall by 100 points or more, the securities of some companies will go higher in price.
The areas with which you should be familiar before making your first purchase include:
Knowledge and risk tolerance are linked. As Warren Buffett said, “Risk comes from not knowing what you are doing.”
5. Diversify Your Investments
Experienced investors such as Buffett eschew stock diversification in the confidence that they have performed all of the necessary research to identify and quantify their risk. They are also comfortable that they can identify any potential perils that will endanger their position, and will be able to liquidate their investments before taking a catastrophic loss.
The popular way to manage risk is to diversify your exposure. Prudent investors own stocks of different companies in different industries, sometimes in different countries, with the expectation that a single bad event will not affect all of their holdings or will otherwise affect them to different degrees.
Imagine owning stocks in five different companies, each of which you expect to continually grow profits. Unfortunately, cirplusstances change. At the end of the year, you might have two companies (A & B) that have performed well so their stocks are up 25% each. The stock of two other companies (C & D) in a different industry are up 10% each, while the fifth company’s (E) assets were liquidated to pay off a massive lawsuit.
Diversification allows you to recover from the loss of your total investment (20% of your portfolio) by gains of 10% in the two best companies (25% x 40%) and 4% in the remaining two companies (10% x 40%). Even though your overall portfolio value dropped by 6% (20% loss minus 14% gain), it is considerably better than having been invested solely in company E.
6. Avoid Leverage/Margin Loan
Leverage/Margin loan simply means the use of borrowed money to execute your stock market strategy. In a margin account, banks and brokerage firms can loan you money to buy stocks, usually 50% of the purchase value. In other words, if you wanted to buy 1000 shares of a stock trading at NPR 100 for a total cost of NPR 100,000, your brokerage firm could loan you NPR 50,000 to complete the purchase.
The use of borrowed money “levers” or exaggerates the result of price movement. Suppose the stock moves to NPR 200 a share and you sell it. If you had used your own money exclusively, your return would be 100% on your investment [(200,000 -100,000)/100,000]. If you had borrowed NPR 50,000 to buy the stock and sold at NPR 200 per share, your return would be 300 % [(200,000-50,000)/$50,000] after repaying the NPR 50,000 loan and excluding the cost of interest paid to the broker (which is usually 16% and over).
It sounds great when the stock moves up, but consider the other side. Suppose the stock fell to NPR 50 per share rather than doubling to NPR 200, your loss would be 100% of your initial investment, plus the cost of interest to the broker [(50,000-50,000)/50,000].
A margin is a tool that can go extremely bad in a stock market like Bangladesh.
Final Thoughts
Stock investments historically have enjoyed a return significantly above other types of investments while also proving easy liquidity, total visibility, and active regulation to ensure a level playing field for all. Investing in the stock market is a great opportunity to build large asset value for those who are willing to be consistent savers, make the necessary investment in time and energy to gain experience, appropriately manage their risk, and are patient, allowing the magic of compounding to work for them. The younger you begin your investing avocation, the greater the final results – just remember to walk before you begin to run.
Laptops are far more convenient than desktop computers for the majority of people. The majority of people nowadays work on laptop computers. A good laptop can be as powerful as you want it to be, which is why there are so many high-priced models available.
Because a laptop is more expensive to replace, it is critical to understand how to properly care for it. Because you can take your laptop almost anywhere, it can withstand far more abuse than you might think. Today, we’ll give you a list of things you can do to make sure your laptop lasts a long time, especially if you’re in Nepal.
Without a doubt, this is the most crucial factor in ensuring that your laptop lasts a long time. Always be cautious when leaving your laptop unattended. Make sure it’s not in the vicinity of children or pets, and that it’s not facing the sun. Maintaining proper routine care is essential. Drinks and food should not be consumed in close proximity to the laptop. Holding the laptop by the screen is never a good idea. Maintaining a comfortable temperature for the laptop is essential, as is keeping it away from any electrical appliances.
It’s very likely that your laptop will accompany you on your travels, so it’s critical to keep it safe at all times. It is strongly advised that you purchase a suitable carry bag. Stacking items on top of the laptop should be avoided because it can damage the laptop’s components. Also, take good care of the screen. People frequently forget to place items on the laptop’s keyboard before closing the lid, which can cause the screen to crack. Always remember not to put anything on the keyboard in the first place. Slamming the lid shut could also damage the laptop.
If you’re working and carrying your laptop around, a lot of dirt, hair, dirt, and crumbs, to name a few, can get into it. This is potentially damaging to your laptop and will degrade its performance. Gunk can obstruct the fan’s ability to do its job, as well as affect the laptop’s temperature. It is always preferable to avoid allowing the gunk into the laptop in the first place. This is why you should keep drinks and foods away from your laptop. When you are not using the laptop, it is a good idea to close it and place it inside the case. Finally, some gunk is unavoidable, so it’s a good idea to clean your laptop with the right tools or take it to a professional when necessary.
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If your laptop has a hard drive, defragmenting it once every two months can improve the laptop’s performance. Keeping it clean on the inside also entails deleting any unnecessary files, folders, or apps. By freeing up space on your laptop and reducing the amount of work your hard drive has to do, you can improve its performance and reduce the amount of work it has to do.
A computer that is kept cool will always last longer. When you’re using your laptop, make sure there’s enough airflow. It is best to avoid using a laptop in bed or on the carpet. Using a pillow as padding should also be avoided because it can obstruct the laptop’s air vents. A cooling fan is recommended because it raises the laptop off the desk and has built-in fans that allow for better airflow. Limiting the number of programs you run can also help keep your laptop from overheating. You can always enable power-saving mode for normal use.
We spend a lot of time on the internet and download a lot of information. Along with downloading the things we require, we may unwittingly download malware or spyware. They’re a common cause of laptop sluggishness. A virus scan can help you identify the source of your slow computer and prevent malware attacks from occurring. Your browser selection can also aid in malware protection.
The battery is an important component of your laptop and serves as the power source for it. In order to extend the battery’s life, it must be properly cared for. Make sure the batteries are kept at room temperature at all times. If you’re going to store your laptop for a few days, it’s best to keep the battery half charged rather than fully charged or uncharged. It goes without saying that you should not leave your laptop plugged in overnight.
Your laptop’s performance will gradually deteriorate over time. Instead of purchasing a new laptop, you can upgrade the parts in your current one, which can significantly improve the usability and performance of your machine. Hardware components that affect the performance of the laptop, such as fans, hard drives, and batteries, can be upgraded or replaced. You can upgrade your laptop’s hard drive and RAM, which will improve its speed, performance, and lifespan.
Everyone wants a high return on their investment in stock market trading. First let’s consider the basics and the ways to earn the most on your investments.
Return on Investment
Usually referred to as ROI, the Return on Investment in stock market investing is the profit earned from selling a security or other asset divided by the amount of the original investment. With stocks, your ROI is expressed as an APR (annual percentage rate).
Your ROI is all the income you make on the stock, which also includes profit earned from selling the stock. When the sales price plus any other income is higher than the price you purchased the stock for, your ROI is positive.
When the sale price plus any other income is lower than the price you bought the stock for, you have a negative ROI (which is obviously what you want to avoid). In fact, as a trader in the stock market, your goal is a high ROI, not just a positive one. To achieve a substantial ROI, consider the following methods to boost your current stock investing efforts.
Know What You Are Purchasing
To ensure a high ROI in stock market investing, garner as much information as you can about the company you want to invest your money in. A bit of basic analysis to find out if the stock is worth the asking price can go a long way. Rather than gambling, you can also ask other people to do this research for you if you don’t have the time to do it yourself. Reliable research resources include the websites of major brokerage firms, mutual fund companies and finance publications. There are also paid newsletter that offer this information.
A Bull Market Is Not The Same As Smart Investing
When you earn a high ROI in stock market investing, there are many reasons for it. One of the possible reasons is your wise investment strategy. Another reason can simply be the good fortune to be in the right place at the right time so you wind up making money with minimal effort. We may feel smarter when the market is soaring so we get tempted to take on riskier positions and trade more frequently, which may not be the wisest decision.
Deactivate Active Trading
You may feel tempted to trade frequently when you are gaining. With online stock trading, investment is a mouse click away which can make you even more impulsive. Remember that it is difficult to make money by beating the stock market consistently. In stock market trading, it is better to have a buy and hold strategy to ensure a high ROI.
Take Note of The Tax Man
Pay attention to tax ramifications when trading stocks. Frequent trading can become extremely costly, especially when major income taxes are triggered by profits. By buying and holding for a period of at least one year, you would qualify for a lower capital gains rate. Your financial advisor should be able to consult with you on this.
A share is essentially a fraction of a company’s ownership. Purchasing or selling shares entails acquiring or disposing of a portion of the company’s ownership. The stock market, also known as the share market, is a place where you can buy and sell stocks. In order to raise money, public corporations usually sell shares to the public, but the stock market often trades other instruments such as debentures, bonds, and mutual funds.
Dividends are a way for you to get a piece of those companies’ earnings as a shareholder. While share trading is an exciting way to earn money both actively and passively, it is also risky since investors can have to bear the loss if the company fails. As a result, as a novice, it is important that you gain a thorough understanding of the market before investing your money in stocks.
Here is a brief introduction of how you can participate in the game of stock trading.
Opening a dematerialized (DEMAT) account at one of the Depositary Participant (DP) licensed by the Central Depository System and Clearing Limited (CDSC) is a prerequisite to participate in both primary and secondary market. Most commercial banks, merchant bankers and stockbrokers provide such services. If you already own some stocks in your name, then you can give your DP to dematerialize your physical share certificates into dematerialized shares. The DEMAT account is similar to a bank account which debits and credits the shares you sell or purchase. Most DP’s also provide clients with facilities to check their DEMAT account status online as well.
To get started in the stock market, it is essential to first understand how the market functions. Securities Board of Nepal (www.sebon.gov.np); the sole regulator of the capital market is a useful source for primary information. Its website provides information on various securities laws, investor education, and upcoming public issues amongst others. Similarly, the Nepal Stock Exchange (www.nepalstock.com) the sole secondary market; and its mobile-based application is a great source to get hands-on information. There are many other popular websites that provide constant updates about the capital market such as; Share Sansar and Mero Lagani. Furthermore daily national newspapers, websites of merchant bankers and credit rating agency – icranepal.com – also provide good information.
One of the best opportunities to participate in the capital market is to apply for primary offers in the primary market such as; Initial Public Offering (IPO) or Further Public Offering (FPO). Most companies offer primary issues to the general public at face value of NPR 100 per stock, or at a premium based on their valuations. The risk is lower when you purchase in the primary market as you get an opportunity to buy shares at a lower cost as compared to purchasing those shares in the secondary market once they are listed. Also, look out for opportunities to participate in the primary offering of mutual fund schemes which can be a beginning point.
News about primary issues generally comes out in national newspapers and are widely announced on other media platforms. Once you know the primary issues are out, you can read their prospectus to see their detail information such as; past and projected performance, & management amongst others. You can also look at their credit rating provided by a licensed credit rating agency before making the decision to invest.
All the stocks offered via the primary market are listed in the secondary market i.e. Nepal Stock Exchange (NEPSE); currently, there are 231 companies listed in the stock exchange. The secondary market provides the platform to sell the shares you hold or purchase new shares from the market. The share price of these listed companies and the value of NEPSE Index changes every day based on total demand and supply of shares in the market.
If you wish to get involved in the secondary market, you will need to open a transaction account at a stock broker’s office. There are currently 50 stockbrokers licensed by NEPSE while there are a few stock broker offices outside Kathmandu. Once you open an account with a stockbroker, they will provide you with a unique ID code via which all the transactions in your name will be executed.
To make a purchase or sale order you will simply have to call your stock brokers or visit their office to place an order, make sure you have the shares in your DMAT account before you place a sell order to your stockbroker. The stockbroker charges some commission as a brokerage fee for each transaction while you have also have to pay a capital gain tax of 5% if applicable while making sales.
If you are still confused and less confident about entering the market or you do not have time, energy and resources, do not worry as there are a number of professional licensed Portfolio Management Companies providing you with a full range of products and services under Portfolio Management Services (PMS). Based on your investment goals and expectations, these portfolio managers develop portfolios matching your risk appetite and invests in the capital markets on your behalf. The portfolio manager charges minimal annual and performance fees while these services offer you the opportunity to grasp the benefits of the capital markets. Moreover, you can also handover your existing portfolio to these portfolio managers for restructuring and further management.
All in all, as the stock market is constantly evolving and getting technical, retail investors are highly advised to seek professional advice and avoid making investments on herd mentality – invest wisely!
You’ve already heard of smart devices, autonomous robots, and self-driving cars in some form or another. They are undoubtedly innovative, but they aren’t as clever as they seem. The biggest drawback of these smart devices is their limited ability to communicate with the outside world. A car can drive itself and avoid external obstacles, but it can’t decide when to pick you up or what kind of music you want to listen to based on how your day went at work.
Consider how useful it would be if your wearable fitness devices could monitor your heart rate and the number of steps you’ve taken during the day, and then use the data to recommend workout plans that are specific to you. A system that uses an app to monitor statistics for future training and recommends diet plans. Isn’t that awesome? That, then, is the real-world application of IoT. Continue reading to learn more about IoT.
In the internet of things, all devices are linked by a unique identifier known as an IP address. These smart devices are also equipped with sensors. They use their own sensors to collect data from the environment, and they work closely with other devices to do so. After that, the data is sent to central servers. The servers then store, evaluate, and process the data before sending instructions to the system to perform a particular task under certain conditions.
IoT can be applied to almost every aspect of human life. They can be used in healthcare, where data from IoT devices can help doctors determine the best treatment plan for their patients. It can also be used to avoid the disease by tracking it continuously. In the same way, it can be used in industries to power manufacturing devices and various types of equipment. In addition, IOT can be used in education to enable students to collect learning materials. They also allow teachers to monitor their students’ progress in real time. In this way, the Internet of Things plays an important part in our daily lives.