Is Jim Cramer from Mad Money on CNBC as flawless as he say he is?
I've been watching Mad Money for awhile. I've read some of Mr. Cramers books also. I be really starting to think he's a guru of sorts. I figure asking the question on here might be interesting.Answers: He is an entertainer and to be precise all. He give an opinion and those think what he say is golden.
I still don't understand why empire rely on his word rather than doing their own research. Rather than looking deeper into a few stocks, he spends most of his predetermined time trying to get an overall rounding of several stocks.
I like watching him when he is on but to me he give just an assessment and I have never bought any of his recommendation
History shows that gurus only finishing for four or five years. That's the amount of time it takes for their luck to wear rotten.
Don't believe me?
Some facts and details are provided in the book "A Random Walk Down Wall Street".
Well surrounded by my opinion, the TV show is the speech while the book is the information.
Which is more liquid: the stock market, savings account or CD account?
Answers: Savings accounts are the most liquid
CD's are next and the only penalty for closing them early is a loss of interest.
Stock market is slower in that you have to mark your stocks for sale, sell them and then wait for the money to transfer back to you.
Savings - it is immediately accessable
Stock - it has to be marked for sale
CD - has penalties for early withdrawal they are set-up for time periods (i.e. 3 months, 12 months or more)
Savings accounts look a lot like cash... They are the most liquid.
CDs are next. Depending on where you buy them (Bank or brokerage firm) they may take up to three days after selling to get your money in cash and you may pay a penalty, have a market value adjustment, or simply forfeit interest.
Stocks are very liquid but take three days to settle (show up in cash in your account). Stocks are probably the least liquid of the three.
Savings are the most liquid, but they don't pay much interest
Which bajaj ULIP plan should i buy?
Hi,I'm 25 yrs old,single.
i'm looking for an investement contained by bajaj ULIP for 20Thousand annual premium for insurance of 20 lac for 30yrs term as i dont want any possession plan.
can you please help of any plan which have least PAC and mortalility and other charges.i compared UNITGAIN PLUS GOLD beside NEW UNITGAIN PLUS and found NUG plus has smaller amount PAC and mortality charges than Gold plan
but NUG plus has be stopped for some IRDA norms.
An agent told me bajaj NUG plus have been replaced by NUG plan.
which plan should i dance for?
please help me
I'm looking int 20 yrs of investestment near 20k premium every year.
Answers: I do not support investing in ULIP due to the charges.
Mortallity charges do not play main role in overall charges taken by insurer so do not consider that.
Mainly it is policy admin, Premium allocation, fund organization & other special accural charges ( in some plans) that drink lot of your investment in ULIP.
In my view, MF + Term insurance is better then ULIP.
Always study impact of these adjectives charges on your return before you stir for investment.
HDFC Endowment Plus is good plan if u are planning to invest for full 30 years. Get surrounded by touch for more info