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[ad_1] Euro inches up after Macron's victory, gains against bruised sterling [ad_2] Source link

[ad_1] Domestic equity markets saw the return of bears on Friday as headline indices along with broader markets closed deep in red. S&P BSE Sensex is currently placed at 57,197 points while the Nifty 50 index is at 17,171 — both down more than 3.5% during the previous week. Entering the first trading session of the week SGX Nifty was down deep in red, falling nearly 200 points. Global cues were also weak with major Asian stock markets down in the red. Chartists believe the short-term trend for Dalal Street could be negative after Friday’s fall.  Global watch: On Friday, Wall Street equity indices closed deep in the red with Dow Jones tanking 2,82%, followed by S&P 500 and the NASDAQ. Asian markets were seen mirroring the weakness in global equities with Shanghai Composite, Hang Seng, Nikkei 225, TOPIX, Kospi, and KSODAQ all trading with losses on Monday morning.  What do the charts say: Nifty on the weekly chart formed a doji type candle pattern (not a classical one, as the open and close of the week are not identical) at the valuation support of 17150 levels, said Nagaraj Shetti, Technical Research Analyst, HDFC Securities. “Normally, a formation of doji after a reasonable decline or upmove signal impending reversal after the confirmation. This could bring some hopes for bulls to make a comeback from the lows in coming week,” he added. Levels to watch out for: According to Ruchit Jain, Lead Research, 5paisa.com, last week’s low of 16824 remains important support as it is formed at the 50% retracement of the previous up move which also coincides with the ‘200 EMA’ on the daily chart. “A breach below this would lead to a correction towards the next retracement support which is placed around 16600. On the flipside, 17400 will be seen as an immediate hurdle which needs to be surpassed for positive momentum to continue,” he added. Nagaraj Shetti believes Nifty support is in the 17000-16800 range. FII and DII trades: Foreign Institutional Investors (FII) were net sellers on all five trading sessions of the previous week. On Friday FIIs pulled out Rs 2,461 crore from domestic markets. Meanwhile, Domestic Institutional Investors (DII) were net buyers on all days of the week. On Friday DII bought stock worth Rs 1,602 crore.  Call and Put OI: For the monthly Futures & Options expiry, maximum call Open Interest (OI) is placed at 18,000 strike, followed by 17,500 and 17,400. Meanwhile, Put OI is the most at 17,000 strike. [ad_2] Source link

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[ad_1] Australia, NZ show support for Ukraine at ANZAC Day commemorations [ad_2] Source link

[ad_1] The gap between input and output prices has widened as companies are not in a position to pass on the higher costs because of muted demand. The rise in global prices of Brent crude, edible oil and precious metals has led to an increase in the contribution of imported components to headline inflation. Moreover, the retail price margin—the difference between retail and wholesale prices—for cereals, edible oil and pulses remains high, while that of vegetables has softened. [ad_2] Source link

[ad_1] I used to be afraid of having teenagers. The thought of raising kids into adulthood felt like such a huge and overwhelming responsibility. I worried I would totally mess things up, miss the mark, and make mistakes. But then Jesus radically transformed my heart. He opened up my eyes to how deeply I am loved by Him and helped me move from chasing after others’ approval to resting in His love — and it changed everything about the way I parent. I don’t have to parent out of fear of the future anymore; I can trust God with tomorrow and live faithfully today — knowing that I will make mistakes, but that’s why there’s Jesus. I don’t have to mother from a place of overwhelm anymore; I can look to God’s spirit Who is in me and ask for His help and strength when I don’t know what to do — and trust Him to help me lean in and love my kids, on the good days and on the hard days. My kids don’t need a mom who is perfect. They need a mom who points them to the only Perfect One — Jesus. Today, I truly love parenting teens — and they bring so much joy and depth and laughter into my life. I can embrace each day as a gift… not because I’ve got it all figured out, but because I can entrust my kids and their lives to the One Who has the whole world in His hands. Motherhood is still hard, but it is also holy and heartwarming and even super hilarious many days. It shines a light on my own need for Jesus like nothing else does… and it also allows me the opportunity to see Him be Enough like nothing else does. In this week’s episode of The Crystal Paine Show, Jesse and I sit down and answer your burning questions about raising teenagers. We share lessons we’ve learned, struggles we’ve had, challenges we’ve faced, and things we’ve learned the hard way — and what has helped us to build stronger relationships and better communication with our teens. In This Episode [00:34] – Welcome to another episode of The Crystal Paine Show. [00:55] – You all have been asking for more teen-related content and submitted so many great questions! [04:01] – Q: How do you decide when to push your kids versus letting them fail? [07:22] – As much as possible, we try to say yes and we try to keep our no’s to a minimum. [10:48] – There is a fine line between helping and enabling. You don’t want to stand in the way of lessons that need to be learned. [11:57] – Q: At what age did they get a first job for real money, and how to help them do that? [14:23] – Encourage them as soon as they are able to withe gentle nudges. [19:49] – There were a lot of questions about technology and social media, see the show notes for previous podcast episodes. [20:47] – Q: How do you talk to your kids about the birds and the bees? [25:00] – Prepping them and giving them the tools on how to respond in an uncomfortable/awkward situation. [25:46] – Q: How do you deal with teens who don’t want to share with their dad? [26:45] – One of the best things that we did years ago was asking our kids flat out, “What do we do that makes you feel loved? And what do we do that makes you feel unloved?” [28:22] – Parents, pay attention to how much time we are correcting and how much time we are connecting. [31:10] – Be in their world and let them see that you care about them. [34:10]- Being truthful with them about our struggles, and asking for their forgiveness. Links & Resources Love-Centered Parenting An Interview with Kathrynne Our Rules for Kids and Phones 10 Days to Be a Happier Mom Sign up for the Hot Deals Email List MoneySavingMom.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal @ moneysavingmom.com Sponsor Spotlight: CodeSpark Academy Do you have kids who love science, technology, or STEM-related activities? If so, you might want to check out CodeSpark Academy — an online program that teaches kids ages 5-9 how to code and use critical thinking skills. CodeSpark is the #1 learn-to-code app, teaching kids the ABCs of coding and basic computer programming skills — all without having to know how to read! Based on research-backed curriculum from MIT and Princeton, this highly-rated educational app features hundreds of activities and games designed to teach kids the fundamentals of computer science and introduce them to the world of STEM. In additional to learning how to code, this app also teaches basic problem-solving and logical thinking skills, encourages profound creativity, instills persistence and resilience, and boosts confidence in kids. Better yet, the games are so fun to play, most kids won’t even realize they’re learning while playing! When you sign up for your first FREE month of CodeSpark Academy, you get: Unlimited coding challenges New skills every week Hundreds of educational puzzles Unlimited access to their creativity suite Free CodeSpark Academy 30-Day Trial Right now CodeSpark Academy is offering our readers/listeners an exclusive deal to get a FREE 30-day trial! Typically, you only get a free 7-day trial, so this is a really great opportunity for your kids to try it out and see if they like it! Just go here and use coupon code MSM30 to get your free 30-day trial. Note: When you take advantage of this offer, you’re signing up for auto-renewal at the regular price of $9.99 per month. If you love the

[ad_1] Slovenia's populist PM set to lose election to environmentalist party -exit poll [ad_2] Source link

[ad_1] Retail investors must understand the costs related to investments which will have a significant impact on returns. Higher expenses paid will reduce the amount of money invested in the scheme or instrument, lower the compounding benefits and impact the overall value of the corpus in the long run. Mutual fund expenses which are deducted from investments, direct payments such as brokerages, indirect expenses such as commission for life insurance policies and even churning the portfolio can eat into investors’ returns. Avoid paying late payment penalty for insurance premium, systematic investment plans, public provident fund and recurring deposits. Sushil Jain, CEO, PersonalCFO.in, says awareness regarding investment expenses is increasing as these have a huge impact on the corpus in the long run. “Various investment expenses may cost around 10% of the total corpus if you invest for 20 years,” he says. Go for a direct mutual fund plan, passive fundsFor actively managed equity mutual funds, the Total Expense Ratio (TER) ranges between 1.5 to 2.25% and for debt funds it is 1.25-2%. Direct plans have a lower expense ratio than regular plans as there is no distributor/agent involved. The lower the expense ratio of a scheme, the higher the NAV. Thus, TER is an important parameter while selecting a mutual fund scheme. If one invests through a bank that is registered as a distributor then he would be investing in a regular plan with higher expense ratio and not a direct plan with lower expense ratio. However, if the bank is a Registered Investment Advisor, then the investment could be in the direct plan. In the direct plan, the investor will have to understand the investment strategy and select the fund himself, do the KYC online and even go for online redemptions. The expense ratio is deducted from one’s investment and the Net Asset Value (NAV) is published. Investors can opt for passive funds if the fund manager of active funds is not able to generate at least 2% to 3% more returns than the passive funds. Look before buying life insuranceAll traditional life insurance plans come with high costs in terms of commission in the initial years of the cover. Most life insurers pay 60%-75% of the first year premium and another 15% for every renewal as commission. The commission is paid after deduction from the premium and the rest is invested. As a result, traditional life insurance plans offer suboptimal returns of around 5%. Even exiting a traditional life insurance policy will entail a hefty surrender charge. For life insurance, the breadwinner should opt for a term plan which is cost-effective and can take care of the family’s needs in case of any eventuality. Insurers offer discounts on online plans as they can save on commissions and other service costs. Avoid churning of portfolioEvery time an investor churns (buys or sells) his portfolio to save tax, the overall return gets impacted as equity investments held for a longer period fetch higher returns. Each time an investor churns the portfolio (either buy or sell), he pays a brokerage of 0.5-0.75% of the transaction value, apart from depository expenses and a transaction fee levied by the stock exchange. So, an investor must look at the net returns on the portfolio, rather than the tax outflows alone. Brijesh Damodaran, managing partner, BellWether Associates LLP, says churning typically involves buying and selling at frequent intervals. “When you buy and sell, there could be an exit load. Also at each transaction (buy and sell), expense ratio based on the asset under management of the fund gets into the transaction cost. Also, short term or long term capital gains can kick in based on the time horizon,” he says. Jain says churning is not at all advisable as the cost of churning is more than the net additional return one expects to generate. “Costs such as exit loads, capital gains tax and losing out on the benefits of compounding will impact the reinvestment in the long run,” he says. Leaking portfolioFor actively managed equity mutual funds, the Total Expense Ratio (TER) ranges between 1.5 to 2.25% and for debt funds it is between 1.25 to 2% Most life insurers pay 60 to 75% of the first year premium and another 15% for every renewal as commissionChurning the portfolio leads to brokerage charge of 0.5-0.75% of the transaction value apart from depository expenses and a transaction fee levied by the stock exchange [ad_2] Source link

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[ad_1] France's Macron beats Le Pen to win second term [ad_2] Source link