Suggest a topic

A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.

Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.

So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.

That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.

Thanks for reading – and writing!

{ 42 comments… read them below or add one }

Sathvik April 28, 2013 at 9:06 am

Hi,

Since CAD is in news lately,
Can we go through in detail what actually constitutes the current account and capital account.
Foreign exchange reserves.
What factors constitutes domestic currency fluctuations.

Regards,
Sathvik

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Manshu April 28, 2013 at 4:38 pm

My post on Balance of Payments has details on what constitutes current account and capital account. You can find that here:

http://www.onemint.com/2012/05/27/what-is-balance-of-payments-bop/

Why is Rupee falling? has my thoughts on INR depreciation.

http://www.onemint.com/2012/05/21/rupee-slide-is-a-symptom-not-a-problem/

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Sathvik April 28, 2013 at 8:30 pm

Thank you very much Manshu. It was great, quick and very helpful.

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Rahul April 30, 2013 at 6:39 pm

Hi Manshu,

Read your article “Beginner’s guide to investing in Stock Market” and found it very insightful. However, me and many of my kinds who have turned 30 and have not started investing anything yet, how do you think we should start investing? Basically, the problem is we don’t know where to start except for savings or fixed deposits. How do we start?

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Manshu April 30, 2013 at 8:13 pm

It is an interesting question Rahul. I think I have addressed this elsewhere in parts, but perhaps it will make sense to do a full post on specifically this topic as a lot of my other friends have asked similar stuff as well.

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santonu May 1, 2013 at 11:12 am

Can ITC chang e its brand name now as the company is engaged in diversified business activities. What’s your view?

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Nitin Kaim May 2, 2013 at 9:14 pm

Hi, actually ITC has already done that long time back. When they got rid of the dots from ‘I.T.C’ and became ITC, it meant there is no expandable full form of the company. ITC was established in 1910 and this name is so well entrenched that it did not make sense to change it.

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Manshu May 2, 2013 at 10:22 pm

Are they planning to do that? I wasn’t aware of that. I think they can do that because most of the products they sell are huge brands on their own and don’t really need the ITC brand to strengthen it. This is probably a good idea to do a post on umbrella branding. I’ll see if I can do that.

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Sunshine May 2, 2013 at 10:16 am

Hi
I am sunshine. I want to know about online banking and using about paypal …?

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Umesh May 2, 2013 at 10:28 pm

Hi Sunshine

What you want to know about online banking. Please elaborate a little.

If want to start online banking then visit your home branch of the bank, do the required paperwork, get password and thats all.

Want to know how to do it etc
Then SBI has a very good webpage on “How do I”
https://www.onlinesbi.com/personal/sbijava/howdoi/prelogin/retail_hdi_sbi_base_prelogin.html

Also, you can get demo procedure (video) etc. on the HDFC Bank website

You yourself is a techie (visited your blog, a good one) so it wont be difficult for you to follow and understand whole procedure and steps.

Any more queries, then post them here, will try to answer.

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Anurag May 2, 2013 at 11:29 pm

Hi,
I have query as to how you manage all your transactions(stocks/MFs buy and sell) in writing for taxation purposes. I am salaried person and I file my tax returns myself. Now how to prepare accounts so that i am able to properly keep records which would be valid and can be used for legal purposes(Read IT Dept).. IT dept has knack at going behind for Tax Notices on salaried ppl(even when politicians just roam free 🙂 ). I want to do all accounts properly. (Long term gains/Losses caryy forward year after Year etc). I believe this can be informative to lot of people reading this blog..

Thanks/Anurag

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ramamurthy May 3, 2013 at 9:43 am

I do it like this.My wife and I both are independent assesees and have different Bank Accounts.All our transactions are thro bank.
I have following Excel files for each of us.
1.Bank Statement where all bank transactions are recorded showing all receipts and payments which is a replica of bank Pass Book containing more details of transactions.eg if I purchase some shares this file will show the Name of the Company,No of shares purchased as per contract notes,Cost. Even when actual money is not involved like
simultaneous sell and buy transactions are recorded here.
2.Company/Fund house wise all transactions (Buy,Sell, Balance,Rs) are recorded in this.The Rs part of this files are linked with the Bank statement referred to above
The Income Tax returns are prepared from this source data.
This is how basically I go about.Any suggestions please?

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Sathvik May 5, 2013 at 8:48 pm

Hi Manshu,

Please consider the below institutions,

Non banking financial institutions, Non banking financial companies, other financial institutions, commercial banks, Non banking financial companies-micro finance institutions (NBFC-MFIs)

With regards to the above institutions, can you please explain the following.

The differences between them
The regulatory body for each of them
Conditions to start each of them
Functions of each of them
Whether each of them have to deposit funds with RBI (CRR)
and other suitable features which distinguishes each of them.

Regards
Sathvik

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santonu May 6, 2013 at 11:00 am

Sir can you write details how shares/stocks were transacted at stock exchanges before computerization of the system . I think at those days mostly floor trading was done. alos elaborate how seetlement eas done at that time

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Ramamurthy May 6, 2013 at 1:11 pm

Excuse me please,santonu.Unless you want to write a history of Indian Stock exchange or attempting to write an exam,I wonder what use is this info in your investment life.

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hari.haran May 6, 2013 at 9:14 pm

Dear Manshu,

The current issues rocking the indian parliament are the Coalgate scam and the 3G spectrum. Can you please elaborate on the same.

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Rajan May 9, 2013 at 5:07 pm

How the rate of dollor to rupee is decided?

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Rajan May 9, 2013 at 5:10 pm

Also, How it matters if exchange rate of dollor is more? why we have to bother about it?

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VikasG May 12, 2013 at 3:52 am

Could you talk about the security of demat accounts in India? Can something like what happened at MFGlobal (Jon Corzine) happen in India? What happens when sharekhan’s or NSDL’s data center catch fire or is hacked by the chinese and all records of demat accounts are destroyed? If your broker (e.g. sharekhan) goes bankrupt, can the authorities come after the customer’s account?

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sankar May 12, 2013 at 12:06 pm

Persons of Indian origin settled in USA / UK holding Passports of respective countries wanting to invest in Indian Blue chip cos. directly and not through FIIs.
Can they open DEMAT a/c with Resident Indian relative as Second /First holder ? If not how can they invest in Indian Equity Market ? Many of us would like to hear your valuable comments.

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abhishek May 20, 2013 at 2:28 pm

Sir
I have designed a plan for human waste treatment.
This plan will produce bio-energy and bio-manure from waste.
It will produce 1,000,000 m3 gas in city of 1 million people yearly.
Cost of production is much less than any other source.
Construction cost is less than thermal plant.

For more details call me +919876462273

Abhishek gupta

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Vivek May 22, 2013 at 10:16 am

Hi Manshu,

I was looking for something related to financial planning for older parents in the age group 50-55, could not find anything interesting. Someone whose current investments are mainly in bank FDs, NSC, PPF only. Should he invest in mutual fund/ETF now?

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Ramamurthy May 22, 2013 at 1:27 pm

Why not?What are the problems you envisage?Loss of Capital?Afraid to take any risk?

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Manshu May 22, 2013 at 8:46 pm

Hi Vivek,

Mr. Ramamurthy is perhaps the best person to do such a post, sir do you have the time to do a post on this topic with your experience and insights? I’m sure it will be useful for a lot of people.

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Ramamurthy May 23, 2013 at 9:48 am

Thank you Manshu.I hesitate to offer any investment advice to others.So far my investments have produced good(not at all spectacular) results.I am 80+. So my post may not benefit or liked by persons in the age group 50-55.
What I would suggest Mr.Vivek is to get advice from financial web sites like Valueresearchonline,Economic Times,Hindu Business line etc. They all have “Ask Advice” features.But while seeking advice he has to furnish more particulars like
1.His present financial net worth
2.Family commitments
3.Has he any specific targets to meet?
4.Is he living in his own house .
5.Does he want totally risk free investments?Etc Etc

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Vivek Atal May 23, 2013 at 1:20 pm

Thanks Mr. Ramamurthy, Will Look Into Those Websis

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Manshu May 23, 2013 at 8:22 pm

You are wise, and have managed your money well. I’m sure we can learn from your example, ultimately it is for people to decide which parts of your style they want to follow, and the onus is on us but just to hear out your plans will be good.

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Ramamurthy May 23, 2013 at 10:01 pm

Oh God I certainly am not wise.I have just followed some suggestions from wise guys like you.My investment decisions are very ordinary and please dont expect much.
OK for whatever it is worth I will tell how I went about it.
So far I have just offered my queries and comments in One Mint and you are now asking me to do a post.I will do it.But please tell me how I go about it.Shoud I just send an E Mail to you or is there any other means of doing a post in ONE Mint.Now you can judge my wisdom.I dont know how to do a post. I have come running to you for guidance!!!

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Pravimal Abhishek May 22, 2013 at 5:43 pm

Can you please explain how an Infrastructure Debt Fund works?

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Manshu May 22, 2013 at 8:43 pm

That’s a good suggestion, I don’t think there are many details about this right now, but I will try to do a brief post with whatever is available.

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Rajeev Srivastava May 22, 2013 at 6:06 pm

Hi Manshu,

I am curious to know about implications of bonus issue of shares. Is there any existing post on this at onemint?

Rajeev

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Manshu May 22, 2013 at 8:41 pm

Hi Rajeev,

No I don’t remember writing anything about the implication of bonus shares…it is an interesting topic, I will do a post on it shortly in the future. Thank you!

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Payal Nanavati May 23, 2013 at 10:57 pm

Hi,
It will be nice to know the reason why gold is falling and what is the future of gold for this year.
Thanks,
Payal

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rajan panchal May 25, 2013 at 9:26 am

hi,
can you show with an example that how to do analysis of a company to see whether it’s stock is worth buying or not…
a complete example will help us to get going…

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Mac May 26, 2013 at 4:01 pm

I believe when individual issues a cheque the default validity of the cheque is 3 months from the date of issue.
Can an individual reduce this validity by mentioning “Valid Until 01-06-2013” on cheque?

Regards,

Mac

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Ramamurthy May 26, 2013 at 4:33 pm

I do not know about the law on this issue.Suppose you dont want your cheque to be encashed at all but yet you are required to issue a cheque. You can specify a condition
which the drawee cannot perform.Say you date your cheque 25-5-2013 and say valid till 26-5-2013 and post it on 25-5-2013.For this reason I think the law has specified the limit of 3 months.I have practical examples which some dubious companies employ in despatching interest warrants.The date of the cheque is several days behind they actually post it just to gain time for them to arrange for the funds.

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Nailesh May 27, 2013 at 2:22 am

Hi Manshu,

Thank you for taking the efforts to run a really useful website. I would suggest you to write an article on the 0% interest consumer finance model that is successfully run by companies like Bajaj Finserv. If you calculate their EMI breakup, there is no additional charges on the surface ? How do they make money ? Stats state 1 out of every 5 flat panels sold are through consumer finance.

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VikasG May 28, 2013 at 10:17 pm

Hi Manshu, Some more topics to explore:

1) List of banks in India which offer creating and breaking of FDs through
internet banking.

2) List of banks which offer free demand drafts for customers.

3) List of banks that have facility of zero balance for savings accounts
customers even those that are above poverty line.

Thanks.

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Manshu May 29, 2013 at 2:06 am

Very boring topics buddy 🙂 Useful I’m sure, but very tedious to collect…

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sankar May 29, 2013 at 11:57 am

Can you make a post on fradulent use of DEBIT CARDS by overseas scamsters and appealing authority in India or MASTER/VISA Autorities ? SANKAR.

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sankar May 29, 2013 at 11:57 am

Can you make a post on fradulent use of DEBIT CARDS abroad by overseas scamsters and appealing authority in India or MASTER/VISA Autorities ? SANKAR.

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ganesh May 29, 2013 at 3:31 pm

I have purchased a credit card from SBI Chennai in my son’s name, who is just out of college ( for educational purposes).
I had asked for only Rs 50000/= as limit. They took one FD in his name for a sum of 1,50,000/= and arbitrarily increased his limit to 1,25,000/=. I had been requesting them to reduce the limits to the level I had requested. But they are delaying it for reasons better known to them. Practically no action is being taken.
Tell me whom to report since nothing happens at branch level. OR is it better to surrender the same.

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