Tips and Tricks to learn Personal Finance

Google gives Domino effect to People Republic of  China. Google pulls up sleeve to shift its manufacutring facility for Pixel phone assembly to India from China: Report After Apple, rival tech giant Google is planning to shift the assembly of one of its flagship phone brands to India, as COVID-19-induced lockdowns continue to hit the pace of manufacturing in China, a report said on September 12. Google has asked manufacturers in India to submit bids for the assembly of 500,000 to 1 million units of its Pixel smartphones,  The Information   reported, citing a company source. The amount of devices which Google wants to be assembled in India will account for 10 to 20 percent of the Pixel's estimated total annual production, the report said, adding that the smartphone, in recent period, has been manufactured almost entirely in China. Google was yet to react to the news at the time of writing this report. Moneycontrol could not independently verify the development. Apple has

Biden to hit China with broader curbs on U.S. chip and tool exports: Reuters, citing sources KEY POINTS The Biden administration plans next month to broaden curbs on U.S shipments to China of semiconductors used for artificial intelligence and chipmaking tools, several people familiar with the matter said. The Commerce Department intends to publish new regulations based on restrictions communicated in letters earlier this year to three U.S. companies — KLA, Lam Research and Applied Materials, the people said, speaking on the condition of anonymity. The letters, which the companies publicly acknowledged, forbade them from exporting chipmaking equipment to Chinese factories that produce advanced semiconductors with sub-14 nanometer processes unless the sellers obtain Commerce Department licenses. The Biden administration plans next month to broaden curbs on U.S shipments to China of semiconductors used for artificial intelligence and chipmaking tools, several people familiar

Tata Group is in discussions with a Taiwanese supplier to Apple in order to build an electronics manufacturing joint venture in India and assemble iPhones here, Bloomberg reported on Friday. According to the report, the discussions with Wistron are aimed at making Tata a force in technology manufacturing and the Group wants to tap the Taiwanese company's expertise in product development, supply chain, and assembly. If the agreement is successful, Tata might become the first Indian business to manufacture iPhones, which are now largely put together in China and India by Taiwanese manufacturing behemoths like Wistron and Foxconn Technology Group, the report said. Meanwhile, earlier this month, industry analyst Ming-Chi Kuo claimed that the next iPhone 15 is likely to be manufactured at the same time in India and China next year. "The iPhone 14's mass production schedule in India this year is still about six weeks behind China, but the gap has improved significant

Apple iPhone 14 consists of four models- iPhone 14 and iPhone 14 Plus that are powered by A15 Bionic chipset, and the iPhone 14 Pro and iPhone 14 Pro Max running on the latest Apple A16 Bionic processor. Apple launched its  iPhone 14  series at its Far Out event last week. The company dropped the ‘mini’ model with the new series and instead introduced a ‘Plus’ variant with a large 6.7-inch display. Days after the launch of new iPhones, Apple has discontinued four old iPhone models. The Cupertino-based company is no longer selling iPhone 13 Pro, iPhone 13 Pro Max, iPhone 12 mini and iPhone 11. Also read  http://funshook.blogspot.com/2022/09/iphone-14s-price-in-india-starts-at-rs.html Iphone 14 launch All these iPhones have been delisted from the official Apple website. Its a legacy as Apple tends to discontinue its older iphones models with the launch of new ones with few gimmicks like reintroducing the same phone as different range and series. In case you wish to purchase e

Sachin Bansal has been a busy man after a short sabbatical, following his exit from Flipkart. Around late 2018, he began scanning the market to find a perfect sector to startup into. And, within a year, Bansal found an answer to his quest in the financial technology and banking space. Lower income group was an easy target to bring and tap the market. While Bansal has to wait a little more to procure a universal banking license, he has made a debut as an entrepreneur in the consumer lending space with an app — Navi. The app, at the moment, provides an instant personal loan of up to Rs 2,00,000 with minimal documentation. Navi’s consumer-facing app targets low income-focused groups. The move is in line with Bansal’s plan to open a digitally-led bank that will primarily focus on lending to individuals, MSME sector and small corporates.  According to the  information  provided by Navi on Play Store, it offers a collateral-free loan with a higher limit of Rs 2 lakh for individua

31 July 2022 was the last date to file ITR of AY 2022-23 for salaried employees and Hindu Undivided Families (HUFs) whose accounts don't need to be audited. Taxpayers who failed to file ITR by 31 July can now file belated income tax returns till 31 December 2022. 06. Heads of Income.  Salaried individuals pay it in accordance with the income they earn and the tax slab they fall under. However, apart from salary, many people also earn income from a variety of other sources. To facilitate and ease the process of income tax reporting, the Income Tax Department of India has categorised five heads of income, namely:Income tax is the most direct form of tax applicable on Indian citizens   Income from Capital Gains/Loss Income from House Property  from Business and Profession Income from Salary. Any income that does not fall under these heads is considered as ‘Income From Other Sources’. In this article, we will uncurtain examples of income from other sources, tax on income fr

Toyota logo seen anywhere one can guess its world largest six sigma qualtity Control Vehicle manufacturer. But if any one say its also in credit Services to customer who want to purchase a vehicle and Financial services too will be on same house. The business known as  Toyota Financial Services  covers more than 30 countries and regions, including Japan. Financial services operations are coordinated by a wholly owned subsidiary of  Toyota Motor Corporation  (TMC), Toyota Financial Services Corporation (TFSC), which has overall responsibility for the financial services subsidiaries globally. The first TFS operation commenced in  Sydney, Australia , in 1982 as Toyota Finance Australia Limited and was soon followed by operations in the United States, Canada, Europe, Asia and  Oceania . TFS has constructed a global network that covers approximately 90% of the markets in which Toyota sells its vehicles. Mainly concentrated on auto loans, leases and Toyota dealer floorplan requir

Paypal PayPal Holdings, Inc. is an American company operating a worldwide online payments system that supports online money transfers and serves as an electronic alternative to traditional paper methods like cheques and money orders. Founded in 1998.  Operates as a payment processor for online vendors, auction sites, and other commercial users, for which it charges a fee in exchange for benefits such as one-click transactions and password memory Business Model Patterns: Cash Machine How they do it:  When a merchant accepts a payment via PayPal (e.g. for his E-Commerce shop), the funds are first collected from the customer’s PayPal balance or credit card. Only after PayPal asserted that the payment is genuine and it received the funds from the customer, the payment is ”deposited” virtually in the merchant’s account. Subsequently, the merchant may then transfer the funds to his regular bank account. Both merchant and customer balances lead to PayPal holding an imm

Signs You Need to Start Your Own Business Think big think fast ,ideas is nl ones monopoly. After kiling your whole day at your desk job and still at your desk, daydreaming about starting your own business, then take out a moment and read this article. Starting your own business can be an intimidating process requiring consistent  work. Many time  you get emotional urges why you don't like to work under someone ot  perhaps you've always dreamed of opening your own shop or consulting firm. Or maybe you just need a drastic change in your life. Money is most important thing for survival but at what stake , dealing your whole day and left with some peanuts in account which can hardly help to bring any leisure or pleasure . The lightbulb went off Lately many are debating whether  entrepreneurs are born or made . No matter which side you agree with, perhaps you’ve been aware that you exhibit some classic entrepreneurial  traits . Maybe you’re ready to take the

Bengaluru issue is getting escalated to General Insurer .  Car owners have begun counting their losses and general insurance companies have started receiving claim intimations for damage to vehicles. General insurers are in preparation themselves for a further rise in claims. Motor claim request on a rise “We have received a few  motor insurance  claim intimations and these are mainly related to vehicle submerging and breakdown. Considering that the priority of people would be to safeguard themselves and their personal belongings, the claims will start getting reported after a couple of days,” says Sasikumar Adidamu, Chief Distribution Officer, Institutional Sales,  Bajaj Allianz General Insurance . Acko General Insurance  said it has received over 100 claims so far. “Rains are expected to continue, so we do see a rise in claim intimations in the next few days. Most claims we have received so far relate to damage to parts, while around 20 percent are, in fact, full damage

As per latest update from Newyork times . As global economic growth slows sharply, with many major economies gripped with worries of recession, there has been a conspicuous exception: India. #RIPQUEENELEIZABETH The Indian government says the country’s economy remains on track to grow 7 percent or more this year, more than double the projections for global growth, which has been weighed down by Russia’s invasion of Ukraine, rising energy prices and Covid-19 lockdowns in China.  The rapid expansion in India reflects in part the depths to which the economy had fallen during the most devastating shocks of the pandemic, with lockdowns forcing  an exodus of laborers from urban centers . It also reflects the insulated nature of India’s economy: It has avoided the worst of the global slump because it is driven more by local demand than exports. But perhaps most important has been a suite of government policies, including increased public investment, relief to debtors, and credit gu

Money matters   When we talk about advertisement on internet first prefered option is Google AdSense which is a popular tool for making money online through your website or blog through adverts, but it’s not the only choice out there. In the perfect cpmpetition market existance , many other alternatives you might want to check out apart from Adsense. Cause it will ad sense to your exploration for earning various avenues and platforms as well as bring enough opportunities to work upon. What if you’ve not yet set up an AdSense account, or you’ve had trouble getting it approved, or you’d like to diversify your income, there are many different alternatives in advertising programs that offer great features and allow you to make additional income from your website. What is Google Adsense? Why Should I Look for Alternatives to Adsense Which Adsense Alternative is Best ? If you weren’t aware, Adsense is an advertising program operated by Google. Launched in 2003, it is one of the most popular

Weaker the Western world the Indian economy . India's coming capital expenditure cycle implies that the country is in the midst of a strong earnings cycle with positive implications for industrial and financial stocks, global investment bank Morgan Stanley has said. Morgan stanlyin their recent report, improving chronicles and consistently performing in various sector from corporate and financial sector balance sheets, along with a strong policy reform push by the government, Morgan Stanley said in a recent report.  At a 15-year low India's corporate debt-to-GDP ratio is and impaired loans in the banking sector are at a 10-year low makes a strong case for a likely surge in investments to strengthen supplies. We believe that India will see a new capex cycle changing the growth dynamics and fostering a virtuous cycle of productive growth and we see both the supply side and demand side factors favouring the onset of a new capex cycle,” the report said.  India will see