Should you go for investment products that come with lock-in?

Uncertain financial situation and the market dynamics coupled with a bleak economic scenario are prompting people to take a hard look at their investment options. Investors are especially concerned about products with long lock-in periods, say five, 10 or 15 years. Many are wondering whether it is the right time to lock funds for the long term. Read more to know what you should do if you are in a similar situation. Enhance your liquidity position Considering job losses and pay cuts in the wake of the covid-19 pandemic, financial…

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India can explore $82 bn export potential in 20 products in China: Report

India can explore an annual $82-billion export potential in twenty products, including electrical equipment and ferro alloys, in the world’s second largest economy China, according to a report. Indian exporters have a competitive advantage as far as these twenty goods are concerned. Currently, India meets only 3.3 per cent or $2.7 billion of the total annual import demands of $82 billion for these 20 products in China. India’s exports of these 20 products are worth around $15 billion to the world, which is 4.5 per cent of the country’s annual…

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Why this investment banker aspirant decided to manufacture notebooks and paper products instead

One can never grow tired of the simple pleasure of putting pen to paper. While we live in a world of digital diaries and reminders on the cloud, the habit of writing things down has its own charm. Shreshtha Poddar loved jotting down little notes even as she tapped away at her phone and computer. This led to idea for Notex Notemakers, a notebook manufacturing company. Shreshtha’s father, Kailash Poddar, had always wanted to start a notebook manufacturing company, so that his four children could work together. But Kailash was unable to see…

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Four investment products that didn’t deliver in the last decade

It is not always easy to talk someone out of investing in real estate. The pushback comes in the form of stories handed down by family or friends of making superlative returns by selling property. According to the 2017 report from the household finance committee of the Reserve Bank of India (RBI), the average Indian household had 84% of its wealth in real estate and other physical goods, 11% in gold and just 5% in financial assets. Even investments like cryptocurrencies gathered followers, partly through stories of individuals who got into them early…

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Fake tanning products don’t protect you from skin cancer

Sunless tanning or fake tanning products like sprays, ointments, creams, foams, or lotions that promise tan skin without increased risk of skin cancer do not actually help prevent cancer. A new study conducted by the researchers of the University of Minnesota Medical School sought to assess the demographic characteristics and skin cancer risk behaviours of adult sunless tanners. Other factors associated with sunless tanning included having a family history of skin cancer. Adults who used sunless tanning products were more likely to use indoor tanning beds and were less likely to wear protective…

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Read labels: Here’s how to find out if the food products you buy are truly organic

The demand for organic foods began with fruits and vegetables when there were reports of pesticide residues in them. However, the popularity of organic foods has now extended to food grains, pulses, tea, spices and even oilseeds. “Organic foods have gained popularity because people have become aware of their benefits. They contain no chemical pesticides and fertilizers and are grown naturally with manure or compost and only natural pesticides and insecticides are used,” said Dr. Saurabh Arora, MD (Auriga research and Director at Arbro Pharmaceuticals) and Founder of Food Safety…

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