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[ad_1] Tax devolution by the central government is likely to exceed the budget estimate by at least Rs 1.1 lakh crore in FY23, leading to compression in the gross borrowing by states to Rs 8.4 lakh crore, a report said on Monday. However, the borrowing cost for the states has went up from 7.17 per cent in Q4 FY22 to 7.34 per cent on May 2 this fiscal, according to an analysis by Icra Ratings. The central tax devolution is likely to rise to Rs 9.3 lakh crore in FY23 from Rs 8.8 lakh crore in FY22 and from Rs 8.2 lakh crore estimated in the FY23 budget. The FY22 devolution was higher than the revised estimate of Rs 7.4 lakh crore and 2.8 per cent lower at Rs 8.1 lakh crore, Aditi Nayar, the chief economist at the agency, said. During the first five weeks of the first quarter of this fiscal, states have borrowed 82 per cent less than what was indicated in the borrowing calendar, at just Rs 12,400 crore against Rs 67,200 crore indicated initially by 19 states, following higher-than-expected devolution in Q4 FY22 at Rs 95,100 crore on March 24, and 31, she said. The agency had estimated net and gross SDL (State Development Loan) issuance in FY23 at Rs 6.6 lakh crore and Rs 8.9 lakh crore, respectively last month. But taking into account the actual issuance, which is 82 per cent lower than indicated so far, it estimates the gross issuance at Rs 8.4 lakh crore, and adjusting for the expected redemptions of Rs 2.4 lakh crore in this fiscal, net issuance is likely to be Rs 6 lakh crore, up only 21.9 lakh crore from Rs 4.9 lakh crore in FY22. The pattern of monthly tax devolution releases and the timing of GST compensation payout for December and March quarters for FY22 and Q1FY23 will not only impact SDL issuance but also cull the demand for Ways and Means Advances (WMA) and Overdraft (OD) in FY23, the report noted. The gap between the indicated and the actual SDL issuances widened to 82 per cent or Rs 50,000 crore in the first five weeks of Q1, led by the comfortable cash flow position of the states following the highly back-ended release of the central taxes in FY22, with nearly half the funds released in Q4FY22. “Accordingly, we expect tax devolution in FY23 to exceed the budget estimate by Rs 1.1 lakh crore, bringing down gross issuances to Rs 8.4 lakh crore this year,” Nayar said. During April 1 and May 2, only Andhra (Rs 4,400 crore), Maharashtra (Rs 4,000 crore), Punjab (Rs 2,500 crore) and Haryana (Rs 1,500 crore) issued debt papers. Together, they borrowed Rs 12,400 crore, which is as much as 82 per cent lower than the Rs 67,200 crore initially indicated by 19 states for this period. On an annualised basis, the debt sales so far this fiscal is 49 per cent of last year level, as the Centre gave higher-than-projected tax devolution to the states in Q4FY22. However, despite the sharply lower supply, the weighted average cost for the states rose from 7.17 per cent in Q4 FY22 to 7.34 per cent on May 2. She estimates the central tax devolution to rise to Rs 9.3 lakh crore in FY23, up from Rs 8.8 lakh crore in FY22, and accordingly, the monthly tax devolution in the coming months is likely to impact the size of SDL issuances, as well as the WMA and OD draw down. Thus, gross SDL issuance is likely to be printed at Rs 8.4 lakh crore in FY23, or Rs 1.4 lakh crore or 29 per cent lower than indicated for the full year. The Centre released Rs 8.8 lakh crore to the states in FY22, up from Rs 7.4 lakh crore in FY21 and more than Rs 6.7 lakh crore budgeted for the year. Nearly half of the Rs 8.8 lakh crore in FY22 was released in Q4. After releasing Rs 2.4 lakh crore in February 2022, it released Rs 95,100 crore in March-end. [ad_2] Source link

[ad_1] While you should strive to pay your credit card bill in full every time, let’s face it: sometimes life gets in the way. An emergency, an unexpected expense or even lingering holiday debt can throw your best credit card practices into disarray and leave you carrying a balance. Typical credit cards charge an annual interest rate (AIR) of 19.99% or higher, which is a steep price to pay for a balance carried on a card. And compound interest—interest charged on your interest—can have a snowball effect on your outstanding debt. Here’s how to avoid high interest charges on your credit cards.  Credit card interest: What’s the big deal? If you never miss a payment or carry a balance on your credit card, the card’s interest rate won’t affect you. But if you occasionally need extra time to pay down your debt, the interest rate on your credit card is a big—and compounding—deal. To better understand compound interest, let’s look at a simple example. Imagine you owe $10 and your interest rate is 20% per month. After one month, you’d owe $12 ($10 in principle and $2 in interest). The following month, you’d be charged 20% on the total of $12, which would cost you $2.40. That would bring your balance to $14.40. As you can see, the debt adds up fast, which can really hamper your ability to pay it off in a timely fashion. An easy credit card debt solution: A balance transfer credit card with a low interest rate There are plenty of books outlining ways to tackle debt, but before you open your reading app, consider this simple tactic: Use a balance transfer credit card with a lower interest rate. For example, the MBNA True Line Mastercard is offering a promotion for new cardholders: it has a 0% interest rate on balance transfers for 12 months, and after that, it charges a significantly lower-than-average 12.99% interest on purchases and balance transfers (and 24.99% on cash advances). Let’s take a closer look. What to look for with a balance transfer credit card One debt-reduction strategy is the balance transfer, where you move debt (your balance) from a higher-interest credit card to a lower-interest credit card. The terms of a balance transfer vary, so you should consider the interest rate, the timeline and the transaction fee. The MBNA True Line Mastercard has a balance transfer offer of 0% interest (the rate) for 12 months (the timeline) with a 3% transaction fee (minimum $7.50). This means that when you move your balance to the True Line, you’ll have a full year to reduce or pay off your debt without interest (and compound interest) getting in the way. The 3% transaction fee is a one-time charge to make the move, and it’s based on the amount you transfer over. How low interest rates work When you use a credit card with a low interest rate, your interest charges are reduced—and you will also pay less compound interest in turn. Here’s the difference in interest payments between a typical card with a 19.99% AIR and one with a 12.99% AIR. For this example, we used a credit card balance of $1,000, including compound interest, and assuming no payments are made and no further charges are added: Credit card balance Annual interest rate (AIR) Daily interest rate Balance after 1 month Balance after 12 months Annual interest payment $1,000 19.99% 0.055% $1,016.56 $1,221.21 $221.21 $1,000 12.99% 0.036% $1,010.73 $1,138.69 $138.69 Difference after one year: $82.31 Nobody sets out to rack up credit card debt, but you can make smart choices about how to handle it should you need to. The simplest way? A balance transfer credit card with a low interest rate like the MBNA True Line Mastercard. MBNA True Line Mastercard* The MBNA True Line Mastercard checks two key boxes for cost-conscious cardholders: it has no annual fee, and its 12.99% interest rate is much lower than that of a typical credit card. Annual fee: $0 Welcome offer: Get a 0% promotional annual interest rate (“AIR”) for 12 months on balance transfers within the first 90 days of opening the account. Interest rate: 12.99% on purchases and balance transfers, 24.99% on cash advances Additional benefits: Discounts at Avis and Budget Rent A Car Note: This offer is not available for residents of Quebec Get more details about the MBNA True Line Mastercard* Go to Site Read more about credit cards: Make your purchases count with credit card rewards Are you paying too much credit card interest? Finances stretched to the limit? What does the * mean? If a link has an asterisk (*) at the end of it, that means it’s an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It’s important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it’s included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy. The post How to lower your credit card interest rate appeared first on MoneySense. [ad_2] Source link

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[ad_1] Scientists say they have nailed down the ideal amount of sleep in middle and old age  CNN Forget 8 Hours – Scientists Discover Ideal Amount of Sleep in Middle and Old Age  SciTechDaily The debate about how much sleep you really need may be over  Duluth News Tribune University of Cambridge study shows 7 hours of sleep is ideal for middle-aged, older adults; cognitive performance, mental health  WPVI-TV Exact amount of time you should sleep each night from certain age  Liverpool Echo View Full Coverage on Google News [ad_2]

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[ad_1] External Affairs Minister S Jaishankar met his German counterpart Annalena Baerbock on Monday and the two leaders reviewed the bilateral cooperation and discussed the Russia-Ukraine conflict and the Indo-Pacific. Jaishankar, who is here as part of Prime Minister Narendra Modi’s delegation, said that he had “good conversation” with Minister for Foreign Affairs of Germany Baerbock. “Good conversation with FM @ABaerbock. Reviewed our bilateral cooperation. Discussed Ukraine conflict & Indo-Pacific. Signed agreement on direct encrypted connection between the two Foreign Offices. Will be reporting at the Inter-Governmental Consultations Plenary,” he tweeted.China has territorial disputes with many countries in the strategic Indo-Pacific region. The Chinese government claims nearly all of the disputed South China Sea, though Taiwan, the Philippines, Brunei, Malaysia and Vietnam all claim parts of it. Beijing has built artificial islands and military installations in the South China Sea. Beijing is also involved in a maritime dispute with Japan over the East China Sea. India, along with its Quad partners the US, Australia and Japan, had pledged to ensure a “free and open” Indo-Pacific, which is also “inclusive and resilient”, during an in-person summit hosted by US President Joe Biden in Washington in September last year. The four countries noted that the strategically vital region, witnessing China’s growing military manoeuvring, is a bedrock of their shared security and prosperity. Jaishankar also met Minister for Economic Cooperation and Development Svenja Schulze and discussed climate action, resilient and reliable supply chains, third country partnerships and economic impact of the Russia-Ukraine conflict. “Pleasure to meet German Minister for Economic Cooperation and Development @SvenjaSchulze68. Discussed climate action, resilient and reliable supply chains, third country partnerships and economic impact of Ukraine conflict. “Signed agreements on Triangular Development Cooperation and Renewable Energy Partnership,” he said in a series of tweets.The 6th India-Germany Inter-Governmental Consultations (IGC), to be attended by Jaishankar along with National Security Advisor Ajit Doval, will further strengthen the India-Germany strategic partnership. Launched in 2011, the IGC is a unique biennial mechanism which allows the two governments to coordinate on a wide spectrum of bilateral issues. Many ministers from both sides will participate in the IGC. Germany is India’s largest trading partner in Europe with a bilateral trade of over USD 21 billion. [ad_2] Source link

[ad_1] Technology has radically disrupted many industries in recent years. The valuation services market has yet to see that same level of impact, but the pace of change is ramping up. With advances in automation bolstering speed and accuracy in other fields, some within the industry believe that technology should reduce or eliminate the role of appraisers. But is it truly the best way forward?  Opteon, a cutting-edge appraisal provider, offers an alternative solution and a bold vision of same-day turn times. “We can’t continue to provide appraisal services the same way we have been. The market has moved into the digital realm, and businesses require on-demand access and rapid results,” said Chris Knight, Group CEO of Opteon. “However, the traditional way provides an important human element that includes critical thinking and a strong knowledge base. Value and marketability are not purely a math equation.”  While many stakeholders look to algorithms and third-party property inspectors, Opteon takes a different approach. By equipping experienced appraisers with a holistically engineered ecosystem of technology, process and data management, they merge AI and human expertise. This approach delivers dramatically improved accuracy while maintaining the irreplaceable human touch. “The real estate industry faces juxtaposed issues: Outdated processes like constant phone calls, physical tools and long turn times, versus new technological solutions intended to replace the human element. The Opteon solution lives at the crossroads of these options,” said Nick Conteduca, Opteon’s SVP of Tech Innovation. Opteon’s appraisal ordering platform is a prime example of this synergy. On the surface, their platform offers performance-based appraiser selection and a rapid AI review tool that covers over 200 QC points—but attention to detail is where their proprietary software shines. Improved interfaces and smart integrations reduce common frustrations found in other software. Hundreds of minute differences compound to deliver an experience that inspires user confidence. “Don’t take our word for it.” Knight said. “Trial our competitor’s ordering platform, and then trial ours. The difference will quickly become apparent.” Opteon’s appraiser-facing software has a similar impact. By automating data imports and other tedious elements, their process-centric software frees appraisers to focus on tasks requiring human critical thinking. This technology is accessible via smartphone or tablet, empowering appraisers to submit reports from the field in real-time. Opteon USA’s rapidly growing team employs over 250 staff appraisers, and their Opteon University program is fostering a new generation of professionals to utilize this technology. Their expanding team will soon use Opteon software across the country with the ultimate goal of same-day turn times. To those doubting their vision, Opteon USA points to the brand’s counterparts in Australia and New Zealand. These industries also wrestled with cumbersome inefficiencies until investment in people, processes and technology paved the way for a more efficient system. For over a decade, Opteon has maintained a two-day average turn time in these markets. Today in the US, Opteon is uniquely merging process, technology, data and human critical thinking to drive a brighter future for the industry at large. Chris Knight, Group CEO   After a decade with Opteon, Knight took on the role of CEO in 2016. Since then, he has used his experience as an appraiser and his qualifications in Accounting, Real Estate, Valuations, a Master of Business Property, and a Master of Business Administration to bring same-day turn times to real estate markets across the globe. Nick Conteduca, SVP of Tech Innovation Both a certified appraiser and licensed real estate broker, Nick Conteduca brings his unique perspective to the appraisal industry. With nearly 20 years industry experience, he creates a distinct advantage in the appraisal business by leveraging technology. Under his direction, Opteon is introducing cutting-edge solutions to stay ahead of the curve in an evolving industry. The post Opteon’s appraiser-facing software allows appraisers to submit reports from the field in real-time appeared first on HousingWire. [ad_2] Source link

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