Credit card is becoming the most used financial tool for everyday purchases in the nation. Most of the people are turning to their cards instead of using hard cash for retail transactions as well as daily fuel requirements. Most of the Malaysians are relying on their best credit cards that is becoming the root cause of their enormous debt problems.

A recent survey has also found that the amount of people owning a credit card has also gotten higher in recent years. Not only the number of people holding a credit card has increased, but there has also been a significant rise in the balance on a credit card. The number of cards owned by an individual has also been rising recently.

Where do Malaysians use their credit card?

  • Retail purchases: Malaysians use the biggest portion of their credit on retail purchases. From everyday retail shopping to shopping on an impulse, a credit card is Malaysians’ first payment option.
  • Fuel purchases: Another major element that Malaysians use their credit card for is the everyday fuel requirements. With petrol cards that come with rebates on fuel purchases, the usage of credit card on fuel stations has seen a rise lately.
  • Bill payments: Most of the people also prefer to pay their electricity and utility bills using their credit card.
  • Travel: From flight bookings to hotel room bookings, a majority of Malaysians prefer to use their cards. It is also seen that for purchases made overseas during their travel, people tend to use their cards instead of carrying money in the form of cash.
  • Entertainment: Another major element that constitutes to the credit card usage is entertainment. People often use their cards for movie ticket bookings and other entertainment instead of cash.

But there’s a bright side

Despite using their cards so frequently, Malaysians are also seen to maintain a good behaviour when it comes to making timely payments on their cards. The percentage of defaulters have dropped in recent years.

How to keep a check on credit card spending

In order to minimise debt and maximise savings, these steps can prove beneficial:

  • Make a budget and plan accordingly: In order to save yourself from high credit card debt, you need to make a financial plan and follow it efficiently.
  • Don’t use your card unnecessarily: Use your card wherever necessary. If you use your card anywhere and everywhere, it can get hard to manage and track the expenses.
  • Use the full potential of your card: In order to avoid charging your card too much, you need to explore the full potential of your card. You should use your cashback card for your everyday retail shopping and a card that gives you rebates or offers on petrol should be used for fuel purchases.
  • Carry some cash with you: Don’t rely completely on your credit card and carry some cash with you for smaller purchases in order to avoid using your card every time.
  • Make timely payments and don’t go beyond the dedicated credit limit: Always try to minimise the interest you pay for your credit card spending by making monthly payments before the due date. Also, don’t max out your credit card and spend your card within the dedicated limit in order to avoid penalties.

Have you started learning saxophone? A beginner in any field of music should own the instrument, as it helps them practice and improve the art. The same thing applies to a saxophone as well. Buying a saxophone may seem like an uphill task but, that’s not the case. With the right guidance, you will be able to buy a good saxophone that will get you through the beginner years.

Unlike the flute or the clarinet, the saxophone comes with different requirements. To play the instrument well, you need to maintain a good posture, and hand position. It is important for you to pay attention to breathing, articulation, relaxation, hand position and manual dexterity, which will help you play it the way you want.

For the saxophone players, concentration is important and integral. If you are beginner, you might face difficulty producing the low notes or the bell tones or even the high notes.

Few pre-requisites that will help you learn the instrument in a better way

  • Perception of sound is a must for the beginners. If you can perceive the sound, and understand the notes well, you are on your way to excelling the saxophone
  • You will need to improve your embouchure, breathing and articulation to improve the art of the instrument. For this, you will need to go through a process of trial and error, till you hit the right combination.
  • It is important to listen to others play the instrument, if you want to improve the art in a good way

The ideal way to improve your tones and notes is practice, obviously. For this, you will need to instrument, which will help you keep up with practice regularly.

Here are a few things you might want to consider when investing in an instrument

If you are beginner saxophone, alto saxophone is where you need to start. The literature for classical saxophone has been exclusively written for the alto, which makes it easier for you to learn. If you have learnt the embouchure for alto Saxophone, you have learnt it for the others as well. It is easy to replicate your embouchure as well as the angle of air flow from this saxophone to the others. The air requirement for alto is preferably less as compared to the tenor saxophone.

Points to consider when choosing a saxophone

  • What stage of learning are you in? A beginner can easily adopt the alto saxophone before moving on to tenor or the others. It is important to get the instrument that allows you to stay comfortable in your learning stage
  • The price is another factor that helps you make the right choice as far as instrument purchase is concerned. You won’t want to invest a lot of money if you are the beginner stage.
  • Do you want to go for a new saxophone or used one? This will depend on the budget, and how good is the used saxophone’s condition.
  • Finally, it is important to invest in saxophone insurance when purchasing the instrument. It will help you save money when the instrument is damaged or lost.

Ups and downs in market and in trading are very common that may take place due to any reason. However, for experts a better option and opportunity is available in financial instability and sometimes having no certainty in trading. You can gain more profits and earn something even more than what you have expected by getting complete assistance and suggestions from experts who have years of experience in trading including Nifty, MCX, Gold and Silver and Mutual Funds. Right approach and right way will be helpful for and you will get complete assistance to increase your profit ratio by getting MCX free tips, Nifty option tips and MCX Jackpot tips from experts who are working dedicatedly online with updates about various trading platforms.

Trading with Latest and Accurate MCX Free Tips and MCX Intraday Tips

The first and important thing is that you will get assistance from the beginning and then precise MCX Intraday tips. Various reputed investment consultative companies are providing commodity and Nifty tips that include Bullions, Metal, Nifty fut and Options Call, Product and Energy Commodities Traded in the MCX, NCDEX, and a lot more. Here, it is your term to adopt the right mode and approach in right way to get good tips and signals to convert your investment into big profits.

How to Get MCX Free Tips or Bank Nifty Tips?

The first and most important thing to consider is to find the right agency that has been offering you the best options to gain benefits of trading. For this, you have to go online and search for the right professionals who have been bringing you to trading tips including gold silver tips, MCX Intraday tips, MCX Jackpot tips and MCX free tips. Choosing the best one depends on various things too like stability of the company where such signals and trading options are available. You will get complete assistance and a guide to double and even manifold your profits. You will be guided at each and every step in a successful way. You have to sign up and get a paid membership to be a professional and successful player of the trading game. From Nifty free Tips to Nifty Option Tips and from Bank Nifty Tips to MCX Intraday Tips, a complete guide and solutions are provided to you.

Nifty MCX Salasar Group has been offering you complete assistance in making the best of such trading options. There is a lot more that you will get from experts. So, what you are waiting for, feel free to contact the right company for such trading option.

Trading is the best way to double your profits and knows what is into trends in the economy and Indian markets. There are different ways of trading; you have to choose the right one or try hands in different other modes according to your choice. Trading in the commodity is one of the best ways to stay stable in the market and gets a chance to double; triple and even manifold your profits without any risk. For this, you need to focus on some of the important things and be updated with the right and free commodity tips on mobile or get precise signals and assistance for MCX gold silver tips. You will definitely get success and will love to do more investments. MCX gold tips, MCX copper tips, free commodity trading tips and best commodity tips with the free trial are some of the best options to help you in getting the right solutions.

MCX Gold Silver Tips or Positional Commodity Calls — Find a Company for Complete Assistance

Whether you are looking for MCX gold silver tips, MCX gold tips, MCX copper tips, free commodity tips on mobile, searching for a company or agency or a broker for a free commodity trading tips or need assistance in double profits through the best commodity tips with free trial, you will get precise solutions and complete assistance from a company that or an agency where professionals are working to provide you precise information to double your profits and earn more. Online search is one of the time-saving and convenient ways to provide you precise solutions. You will come close to a number of reputed companies that have proven track record and years of experience. You have to choose the right one and start doing investment and earn more.

Various renowned investment consultative companies are working with the motive to fundamentally provide commodity and Nifty tips that include Bullions, metal, Nifty, Fut, and Options, Call product and energy commodities traded in the MCX, NCDEX and different others. This wonderful exchange for trading commodities is amazing to make good profits.

Now, you have to make the right decision over the name of a company that has been serving you the best and perfect MCX & Nifty Fut and Options tips. So, what you are waiting for, contact experts at the right company, go through the details and start transforming your investments into big profits through MCX gold silver tips and Free commodity tips on mobile.

The stock market can be your best place or your worst enemy. Having said that, some of the best stock trading tips even today is learning to play by the rules. Over a period of time, it does get easy to know a few tricks of the trade, however; this industry is such that nobody can ‘master’ it. The reason is that the stock market scenario is constantly changing and growing too. This is also one of the reasons why it makes for one of the best places to invest your money in. Either way, it helps to know a few basics about the stock industry before stepping in it.

Here are some of the best stock market investment tips to help you in 2018:

  1. Don’t go with the crowd:

As Warren Buffet quote “Be fearful when others are greedy, and be greedy when others are fearful!” When it comes to the stock market it is bad to be influenced by others. Although taking advice from someone can be a good thing, don’t completely direct your actions per their words.


  1. Take a planned decision each time:

The right way to go about with investing in stocks is to do your research and study about the company. Simply going by the brand name or peoples suggestions could be harmful in the long run and is best avoided.


  1. Step into a business that you are knowledgeable about:

This is very simple: the more you know about a business, the better you are going to be at it, be it managing or trading stocks. Go by your knowledge of what the industry or company is about and half the work is already done. While experimenting is healthy, this is crucial while starting out.


  1. Don’t stick to timelines:

Do not time the stock market. Do not even restrict yourself by schedules and time by when you should invest or expect returns. Go with the flow and understand that returns always take time and patience.


  1. Be disciplined:

Do not rush or try to get things going. Be disciplined with your actions and mostly abide by rules. This market focuses a lot on time and discipline and thus, returns too, reflected in the same way.


  1. Be practical, always:

Most people can be easily thrown away because of their emotions like greed and haste getting the better of them. In the end, trading is a skill and only happens when you are calm, practical and can restrict sentiments.


  1. Broaden your horizon:

Once you determine your investment power and the risk factor in a business, investing can be done in a number of industries after careful consideration. Broadening your reach will only end up making you more confident and a better decision maker as you move ahead.


  1. Do not be unrealistic:

Understand that not all companies, scenarios or structures are same so of course; investments and their returns will differ as well. Keep an open mind, a skilled concept and hope for the best each time.

Apart from this, investing in the stock market always comes with a learning curve. Going forth, make your decisions, see how they work out and then take appropriate steps in the future. You can also say that some of the truly best way to trade stocks that work in the stock market haven’t even been discovered yet. So go ahead, give it your best shot and no matter what, take pride and let honesty be your way to go each time you are investing.

In Lucknow, there are plenty of plots and properties available for sale. There are many residential lands which are developed for the sole purpose of Investments located in the important areas of the city Lucknow. If you have the pockets which can afford these residential lands of Lucknow, then you surely give a go. Lucknow is a reachable destination from every corner of India through airways, railways and roadways.


It is directly connected with the cities like New Delhi, Patna, Kolkata, Mumbai, Chennai, Bangalore,                  Thiruvananthapuram and other major cities by Chaudhary Charan Singh International Airport. It is the 12th busiest airport in India.


Lucknow-Kanpur Highway:

Today Lucknow Kanpur highway continues as an important centre of commerce, aerospace, finance pharmaceuticals, technology, design, culture, tourism, music, poetry and real estate. It is the largest city of Uttar Pradesh and second largest metro of North and Central India after Delhi.


It is quite amazing to see such value-added facilities in an area which is not too far away from the city. The area projected for real estate investments has a proposed 7-star hotel nearby.


When it comes to education area also has UP Sainik School within its range. For transportation, the area is in best location due to a proposed first metro terminal accompanied by Amausi Airport which is just minute’s drive from the area. The Kanpur highway is not very far and Alambagh Bus Terminal is easily accessible.


The shopping maniac finds it super exciting as it has Phoenix Mall. The area is much secured with the presence of mighty MEMORA Air Force Station.     


Lucknow-Faizabad Highway:

The real estate project running in the area has residential plots at Faizabad Road, Lucknow with enough value added highlights. It is quite amazing to see such value-added facilities in the area which are not too far away from the Lucknow city.


As far as education is concerned in the area, it has Jaipuria School within its range. Higher education is not a big issue here as it has BBD University, Sagar Institute of Technology and Nidar Academy. For transportation, the area is in best location due to the presence of Polytechnic Chauraha (A hub of transportation) which is just a few minutes’ drives away from the area.


The medical care in the area is meeting the world standard due to the presence of an advanced medical college known as Mayo Medical College, where people can study the various fields of Biology and patients can be treated as well.


The area proposed for this Project on Lucknow – Faizabad Road seems to have many things to offer. It is one of the best residential plots for sale in Lucknow. It may be used as a good retirement plan or to pass the investment to next generation.


Lucknow is growing in the field of Education, Aerospace, Information Technology, Pharmaceuticals, Finance, Tourism, Music. Lucknow has a music University which presents the city in rhythm. Lucknow city is the best option for the future investors and also for the commercials and industrialists. Start Investing as this city is the fastest emerging city in Uttar Pradesh.

A musician’s life juggles between creating music and making money. When you are supposed to mint money from passion, it has its own pros and cons. Not everyone understands your passion and responds to it with the kind of money you have in mind. For days that run low, and for money that you don’t really receive for your music, you need insurance that will take care of your day-to-day needs.

The insurance for musicians helps budding and amateur musicians stay away from frustration and pursue their passion. There are many things covered in the insurance, including making up the loss for a pay day.

However, when it comes to buying the insurance, you need to make the right choice. We will help you with getting through to the right insurance, and spending the money wisely. Here are a few things that you need to consider.

  • It is said you need to invest wisely. As a musician, your requirements differ as per the stage you are in. If you are beginner with a day job, your monetary requirements would differ as against a musician whose entire income depends on the music they are creating. This means you will first need to list down the requirements. This can be quite time-consuming. To understand your requirements from the insurance, you may want to consider understanding where all you may fail and how much money you may need for the same
  • Once you have listed the requirements, you will need to move on to the next step, studying the insurance that are given to the musicians. This will need a rigorous research. There are different types of insurance for musicians available in the market. You will need to study the pros and cons as well as the inclusions of the insurance that are available. Make a list of the few that have interested you
  • Now come the providers. This is again important, as providers make all the difference in completing the choice of insurance. You will have a lot of providers offering insurance for the musicians. You will need to note down all the offerings they include in their insurance.
  • The offering of the insurance with that of the provider should be compared. Once you have a provider-offering comprehensive list, you can easily come up with a list of the provider-offering that matches your requirements. This would be the shortlist that you need to refer to in order to make the final choice.
  • Setting aside a budget always helps complete the decision. You may want to have a budget for monthly/yearly premium, which you can afford. Once this budget is decided, shorten your shortlist further with choices that match your budget
  • Now, you will need to work on the final list. Start with comparing the providers based on the ratings and reviews you can see online. This would help know which ones are really good and offer the solution you are looking for
  • Check the experience of these providers, as that might help you understand if you should buy from them or not
  • Finally, seek references for their work from offline sources
  • After all these steps are completed, you will arrive at a provider who will provide the right insurance.

Value investment could be an easy method in theory. The goal is to seek out a stock that’s priced at a reduction to its honest worth and pip out. Then, hold it till the stock is fairly valued or perhaps overvalued and sell it. It’s merely a way of shopping for low and marketing high that is one amongst the secrets to success on Wall Street, and best way to invest.
In observe, worth finance could be a tough method and consistent profits may be elusive for worth investors. There are several reasons for that however one among the unnoticed issues with implementing worth finance is that investors can be viewing the incorrect numbers to create their selections.We don’t mean that the monetary statements are wrong. they’ll be, however as investors we tend to should assume management is accurately and fairly presenting the information in those statements. What we tend to mean is that investors won’t be victimization the simplest tools to investigate the information.

Defining Value With a Popular Indicator:
The core of the value investing process is to apply a valuation tool to stocks in order to identify whether the stock if overvalued or undervalued. These metrics often combine a stock’s price with a piece of information found in the financial statements.

One example of a valuation metric is the price to earnings (P/E) ratio. To find the P/E ratio, analysts divide the price of one share of stock by the company’s earnings per share (EPS). In general, low P/E ratios generally define a stock that is undervalued and high P/E ratios are associated with overvaluation.

The P/E ratio is popular and can be profitable. In part, the popularity could be due to its simplicity since just two pieces of data are needed to calculate the ratio. But, the simplicity could be a source of some of the problems with the ratio.

The P/E ratio looks only at earnings, a number which is found on the company’s income statement. It ignores information found on the balance sheet, for example, and there could be problems lurking in a company’s balance sheet.

Consider a corporation that has issued an outsized quantity of debt. The debt isn’t directly factored in to the P/E ratio. But, eventually firms got to repay debt once the bonds reach maturity. If a corporation is unable to fulfill that obligation, the corporate might be forced into chapter 11.In theory, the danger of that ought to be factored into the stock’s value. However, investors relying alone on the P/E ratio would merely see an occasional worth and will believe the stock was undervalued. sadly, the low value may replicate a negative outlook for the corporate.

In the investment industry, a popular saying among analysts is that “to know what everyone knows is to know nothing.”

This speech communication means knowing data that’s promptly obtainable, like the P/E ratio, isn’t about to typically be rewarded with excess profits, so as to surpass during this competitive field, you’ll be higher served by finding data that’s less promptly obtainable and fewer wide used.

The EV/EBITDA is wide used among skilled investment managers and among investment bankers finishing mergers and acquisitions. However, it’s not wide utilized by individual investors which will give a position, or an additional degree of profits, to people willing to figure slightly tougher in pursuit of profits.


Value investing has an appealing logic to many investors. The idea is simple. Value investing generally involves searching for stocks trading at discounts to their fair value. These stocks can be bought and held until they trade at or above their fair value.

These ideas were first put forth by Benjamin Graham, a business school professor who counted Warren Buffett among his students. Graham is widely considered to be the father of value investing and he wrote widely on the topic. His work includes descriptions of strategies that he found to be successful.

Graham developed and tested the net current asset value (NCAV) approach between 1930 and 1932. He later reported that the average return, over a 30-year period, on diversified portfolios of NCAV stocks was about 20%. An independent study showed that from 1970 to 1983, the strategy gained an average of 29.4% a year.

What Is NCAV?

Graham defined NCAV in the 1934 edition of Security Analysis, the book he cowrote with David Dodd. He said NCAV is equal to “current assets alone, minus all liabilities and claims ahead of the issue.” In accounting terms this is current assets minus the sum of total liabilities and preferred stock.

Current assets are cash and cash equivalents, receivables, and inventories. They are already cash or are convertible into cash within a relatively short period of time (usually less than a year). Net current assets exclude intangible assets along with the fixed and miscellaneous assets of a firm.

Some readers may see a similarity between NCAV and working capital which is defined as current assets minus current liabilities. The difference is that NCAV deducts total liabilities (current and long-term) from current assets.

Compared to book value, the NCAV method is a more rigorous standard. Book value can include intangible assets, which can be overstated in value. Book value includes land, property and equipment which can take considerable time to convert to cash.
In their book, Graham and Dodd pointed out that when stocks trade below the company’s NCAV they are, most likely, trading below the company’s liquidating value. This means that it is reasonable to assume that most companies can be sold off for at least the value of these assets.

They also noted there was a margin of safety in the company’s remaining assets, fixed assets like plant, property and equipment. These assets could, in time, be sold to offset any loss incurred when converting the current assets into cash.
Graham and Dodd created an investment strategy based on NCAV. When they found companies trading well below their liquidating values, they bought them.

Screening on NCAV

In the 1949 edition of his book, “The Intelligent Investor,” Graham explained exactly how to screen for buy candidates. He wrote, “…if a common stock can be bought at no more than two-thirds of the working-capital alone—disregarding all other assets—and if the earnings record and prospects are reasonably satisfactory, there is strong reason to believe that the investor is getting substantially more than his money’s worth.”

To find a reasonably satisfactory earnings record, we required companies to have positive earnings per share from continuing operations for the past12 months.
Earnings can hide operational difficulties since there can be accounting assumptions that generate earnings for some companies. To minimize this risk, we required that companies also have positive operating cash flow over the last 12 months. Cash from operations is defined as revenues less all operating expenses.

Graham also believed low debt levels would help these companies survive. Therefore, we screened for companies that have total-liabilities-to-total-assets ratio below 50%. This confirmed companies have more assets than liabilities.

We then screened for low prices, less than $2 a share. However, these stocks can be illiquid with low trading volume. Despite the risks, this can be a useful approach, again, in the long run. As Graham wrote in the 1973 edition of “The Intelligent Investor”:

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