Discover and read the best of Twitter Threads about #Loans

Most recents (24)

In today’s #MoneyShow #MarketMinute:

#Equities are adding to Friday’s gains in the early going today, while Treasuries, #gold, and silver are selling off. The dollar is flattish while #oil is slightly higher.

On the news front...
The banking sector is catching a reprieve here, and that’s leading to “Risk On” trading across all asset classes. First Citizens Bancshares / $FCNCB is buying $119 billion of #deposits and $72 billion of #loans from failed Silicon Valley Bank.
Meanwhile, the Chairman of Saudi National Bank Ammar Al Khudairy resigned for “personal reasons.” He helped trigger the plunge in shares of Credit Suisse Group AG $CS several days ago.
Read 5 tweets
#1 Decide Your Tax Regime

The new regime is no fuss and works well.

The old regime allows you to claim deductions and exemptions

If you choose the old regime finalise your tax planning strategy now! (2/7)

#tax #deductions #taxplanning #taxregime
#2 Restructure Your Payslip

Study your pay slip and optimise your EPF contributions. If you choose the old tax regime structure your allowances properly.

Talk to our financial planning team today if you’d like assistance. (3/7)

#salary #CTC #payslip #epf #providentfund
#3 Review Your Investments

2023 is a year that belongs to savers!

You will be spoilt for choice. And there’s no better way to take advantage of this than reviewing and restructuring your investment portfolio. (4/7)

#investmentreview #investing #portfolio
Read 7 tweets
For those interested in what Silicon Valley Bank's $74 billion loan (rather than securities) portfolio looked like at the end of last year, take a look at this table. 1/4

#banks #loans #vcfunding #wineries
The $6.7 billion in "investor dependent" loans to Venture-backed startups are the ones that are difficult for national banks to acquire. They are also the key to the whole SVB ecosystem, including the Global Fund Banking portfolio of $41.3 billion which is by far 2/4
the biggest segment, followed by the $10.5 billion private bank portfolio. Wine at $1.2 billion seems small but is a huge part of US lending to wineries.

The challenge for FDIC in a nutshell: these apparently disparate lending businesses are all deeply intertwined. 3/4
Read 4 tweets
The #AdaniGroups Saga- For Naive #Investors. A thread

I, Mr A(#Adani) have 100 chips. By #Law, I cannot own more than 75, so I hav 73 chips. 27 chips r sold in d market. Anther 15 Chips: My uncle buys them by pretending to b normal people. This is illegal, bt who will catch me?
So there are 12 chips left in the market. Out of these, #Funds like #LIC buys 9 chips. 3 chips are now left on the open market.

My #media, #political and PR management and #connections are excellent. There are whispers that I am related to the #king and #Government.
My uncle, disguised as a common man, #buys and #sells chips again, creating an impression of great demand. A plastic chip worth Rs 2 is given for Rs 10.
People compete to buy at Rs 12, 13. Then my uncle increases price and buys chips fr Rs 100 making me one of Investors Fav scrip
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Entrepreneurs, are you tired of paying hefty taxes?

Don't worry! We got you covered!

Check out these top tax-saving tips that can benefit your business and your bottom line. (1/n)

#entrepreneurs #taxes #taxsavings #taxtips
#1 Hire Family Members & Relatives:

You can reduce your tax liability by paying salaries to family members, which are tax-deductible. Their income may also be below the taxable threshold. (2/n)

#tax #taxexemption #taxliability
#2 Deduct Business Expenses for Travel & Accommodation:

Business travel expenses such as tickets and accommodation can be deducted from your taxable income, thus reducing your tax liability.

#taxliability #businessexpenses #deductions
Read 14 tweets
Ṣatru abhicār from #palm (enmity), life threatening from palm, ṣatru sthāna, #loans, #debts, court cases, allegations. Rare Insights into #Vedic #Palmistry

A line from ṣatru sthāna cutting the prana rekhā indicates ṣatru abhicār. From below the base of thumb it indicates
mohana, from ṣatru sthāna it indicates maraṇa, vidveṣaṇa & staṃbhana etc.
When the line cuts punya rekhā or vidhyā sthāna then the person loses name due to court cases or allegations, court cases etc. When ṣatru sthāna carries many lines and the hand is devoid of punya
rekhā or punya rekhā is weak then person suffers from lot of debts.
If the line from ṣatru sthāna cutting the prana rekhā also forces the prana rekhā to stop at the same position where it is cut, then the person dies at the same point where there is a clash. The person in this
Read 7 tweets
Thread - My columns on #innovation #creativity #entrepreneurship at the intersection of #culture for The New Indian Express. Just putting them all at one place.
1 - Design to Drive the return of #tourism post pandemic…

#travel #design
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Here is my take on #COP27 outcome(s) on #climate #mitigation based mostly on fieldnotes from COP, focussing on #FossilFuels, #JustTransition & #equity/ambition dichotomy.@TheIndiaForum @girmanipal @CentreMarcBloch @FU_Berlin @NavrozDubash @ClimateDiplo 1/8…
I argue, "Despite alarming evidence about the pace of cc, #COP27 failed to raise mitigation ambition. While the 1.5°C limit was salvaged in the end, the lack of consensus on fossil fuel phase-down/phase-out scuttled the possibility of meaningful action in the coming years." 2/8
Not only are #industrialized countries' mitigation commitments grossly insufficient to meet the 1.5°C limit, their efforts to sidestep their pre-2020 commitments, Paris decisions & delink developing countries' mitigation efforts from #climatefinance dilute #equity. 3/8
Read 8 tweets
1/n A🧵. I finally paid off my medical school loans this week. I made payments simultaneously with the LRP. Here is why the @NIH_LRP is a great career move for PhD scientists and especially for physicians who generally have crushing loans... #loans #MedEd
2/n *Let yourself be #mentored* When I was finishing cardiology fellowship training, I swore I was NEVER going back to research! My Chair convinced me (“…just one last ride, can do it”). Listen to those who know you and see something. @Keith_R_M @JustinLathia
3/n *Accept roadblocks*. I was offered an amazing job in private practice paying 7x my salary. No shame in that. I applied for 12 grants and 1 was awarded. My 1st K08 was rejected. In my darkest hour at 12:31 hrs on a Saturday AM @NIH_LRP emailed. Someone believed in my work
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We are short $PVBC, a small #bank with massive crypto loan exposure. The loans are already #defaulting and share price is #rapidly declining. We think it’s a zero. Read our report: Image
$PVBC expanded its #crypto lending business to $138m within 18 months and yesterday impaired more than half of it. A 200yr old #bank went tits-up in a matter of months. Read our report: ImageImage
The $PVBC crypto lending business was led by Paul #Mansfield, who we think, is an immediate family member of the bank’s CEO David Mansfield. Read our report: ImageImage
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Since #WWII, #USA has used #USdollar hegemony to transfer domestic crises, harvest world #wealth and undermine the economic and financial stability of other countries through armed conflicts, financial wars, and trade wars. To maintain US dollar is to maintain US world hegemony. Since #WWII, #USA has used ...
Since March 2022, #FederalReserve has raised interest rates 6X. On 2 Nov, its 75-point rate hike and sharp #USdollar appreciation caused global #currency depreciation, capital outflows, rising debt servicing costs, hiked imported inflation and currency/debt crises of countries.
How this #KhazarianMafia #SCAM all started: At the latter part of #WWII, #USA took the opportunity to hoard tons of #gold and led the establishment of Bretton Woods system based on a peg between #USdollar and gold, thus establishing US dollar as "global hard #currency".
Read 32 tweets
#DeFi is a constantly moving space.✨💸

And so, it's important to be on top of all things at all times.👑

Here are 10 #tools you NEED for bettering your DeFi journey:🧵👇
1. @DefiLlama: #DeFiLlama maintains all the #TVL data on #DeFi protocols.💸💎

DeFiLlama is a comprehensive tool where you can look at all the data on a #protocol and its #growth.🚀✨

2. @etherscan: Etherscan is a simple tool with lots of utilities.📈💰

#Etherscan is a tool that shows all the #transactions in the Ethereum ecosystem💲

Why @ethereum, though? Well, tons of protocols like @Uniswap are made on #Ethereum.💎

Knowing #ETH helps know #DeFi better.👑
Read 12 tweets

1/10 🧵

As you know, Michael Burry recently sold 98% of his #investment portfolio. Remember that in 2008 he predicted the #collapse of the financial #markets. As always, he cites facts based on fundamental analytics. Will there be a big #crash?
2/10 🧵

1⃣ Elon Musk sold 75% of $BTC;
2⃣ Ray Dalio had taken a short for $10B;
3⃣ Ambiguous movement on the $MSTR #btc wallet and the subsequent resignation of Saylor from the post of CEO;
4⃣ Sales of #MTGox are scheduled for the end of this month.

And much more.
3/10 🧵

#Bitcoin has become a clone of the S&P 500 Index, and all #altcoins follow $BTC, so it is essential to understand what is happening in the global #economy.
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Today is an hot day, not only for temperatures, but also for economic data.

Follow me meanwhile I unroll all the new prints we had today

Super important thread on #inflation and the #housing #market

Lot of metrics to cover, get comfortable and get ready

🤓🧵 Image
#CPI prints:



#Canada YoY

#Canada MoM

Let's unpack it briefly
With a 9.4% UK finds itself on the firsts European (continent) Countries that are approaching double digits #inflation, and with the lack of haste in interventions on the #monetary #policies side, the #peak #inflation seems still far away. Let alone the MoM momentum, still high
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"BYJU'S is one of the largest #Edtech #Startups in India and now it is in deep trouble!"

Let's see what all things have led to these problems in BYJU'S

Let's Begin.... Image
Out of the $4.7 billion pumped into edtech space in 2021, a massive $1.7 billion was raised by Byju's alone.

In 2021, Byju's made 10 strategic acquisitions worth $2.5 billion.
In Dec 2021, Byju's was valued at a whopping $22 billion making it the 13th most valuable startup in the world!

Well, we're done with 2021, which was a glorious year for India's edtech giant.
Read 12 tweets
Answering every iPhone-lover-new earner's query once & for all👇

Should I buy an #iPhone on EMI?

Please ‘re-tweet’ & help us educate more investors


#personalfinance #investing #loans
Let's understand this with a real example :

I earn ₹35K p.m, live in a rented flat in Mumbai & pay EMIs of ₹10K p.m for education loan.

I'm planning to buy an #iPhone12 on 9-months EMI.

Can I afford to buy now? 🤔

Before moving to 'buy / not to buy' decision, you should understand ur current spending status first. ( > Prosperity Ingredients > Spending Habit)

Say, rent 8K, food 5K, fuel 2K, clothes & outings 5K & existing EMIs - 10K.

Which means you are -

Read 10 tweets
One thing that happened with the drop in crypto, and in particular $CEL, is that some #Celsians experienced margin / liquidation calls.
If they took loans against $CEL, their LTV (Loan to Value) ratio may have gone above the values for margin call or liquidation with $CEL around $2.
Read 18 tweets
Daily Bookmarks to GAVNet 09/30/2021…
Global impacts of Nature’s journalism and opinion…

#journalism #OpEd,#RealWorldImpact #publications #funding
Identifying and prioritizing potential human-infecting viruses from their genome sequences…

#ZoonoticRisk #genomics #MachineLearning #models #RiskAssessment
Read 8 tweets
Super excited to see our paper on #Covid19 #Fiscal Support and its Effectiveness, with Alexander Chudik @DallasFed & @mraissi80 @IMFNews, out in Economics Letters. You can read it (free access) from here: #TGVAR 1/n Image
With new variants/waves & reimposition of restrictions in some regions, governments around the world are calling for a careful assessment of the effectiveness of the adopted #Covid19 #fiscal measures before they embark on further easing or tailoring of measures 2/n
The #Covid19 pandemic led to a sharp tightening of global #financial conditions at the acute phase of the crisis and has inflicted large economic losses across the world (see Figure below) ... 3/n Image
Read 28 tweets
Daily Bookmarks to GAVNet 12/19/2020…
Albert Edwards: The 10-Year Yield is Heading to Zero - Articles - Advisor Perspectives…

#investing #deflation #forecast
Optimization is as hard as approximation – Machine Learning Research Blog…

#optimization #MachineLearning
Read 8 tweets
#Banking #MSME #loans

வியாபார கடன்களை இருவகைப்படும்

1. Fund based - பணமாக தருவது
2. Non-fund based - உத்திரவாதமாக தருவது

Fund based:
இது மேலும் இருவகைப்படும்

1. Cash credit / Overdraft
2. Term loan

CC / OD: இது உங்கள் தொழிலின் அன்றாட தேவைகளை (working capital) பூர்த்தி செய்ய
வழங்கப்படும். உங்கள் முதலீடானது ஸ்டாக், வர வேண்டிய கடன் (விற்பனைக்கு பிறகு) போன்றவையால் முடங்கி இருக்கும். அதிலிருந்து உங்கள் வியாபாரத்தை சரிவின்றி நடத்த CC / OD பயன்படும். பொதுவாக உங்கள் ஆண்டு டர்னோவரில் 20% ஆக லிமிட் இருக்கும். இதை வைத்து மூலப்பொருள் வாங்க, சம்பளம் கொடுக்க,
மின்கட்டணம், அரசு வரிகள் கட்ட, மூலப்பொருள் வாங்கிய கடன் அடைக்க போன்ற செலவுகளுக்கு பயன்படுத்தலாம். இதை வைத்து எந்தவித சொத்தும் (நிலம், கட்டிடம், இயந்திரம்) வாங்கக் கூடாது. அப்படி செய்தால் உங்கள் working capital கடுமையான பாதிப்புக்கு ஆளாகி தொழில் முடங்கலாம். இதை running limit என்று
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Having a self owned home is a dream come true for the majority of us . We still equate it with prosperity & being settled .
But with the alarming cost of reality (especially in Metro's) when does this make sense?
My viewpoint on the same.
(So called)Pro's :
*Having your own place - Pride of possession.
*An investment .
*Having liberty to decorate as per choice { provided the wife permits 😉 }
*No need to shift often.
*Loan available at low interest rate.
Easy way to #leverage in markets (Common blunder!)
Are these really as good as they sound?

*The pride of owning a house comes with buckets of stress ,for most of the properties are purchased taking huge #loans spread across 2-3 decades of repayment.
So are we actually owning a house or is the bank possessing us ? 🤔
Read 12 tweets
#Assetallocation changes as you near retirement. What if your equity #investments are stuck in a phase where the markets are battered?
Can I share #income by creating a trust?
How can an IT employee generate alternate sources of income?
Read 25 tweets

Supreme Court will shortly begin hearing the petitions challenging the interest component of the circulars allowing Banks to grant moratorium on term loan repayment.

#SupremeCourtOfIndia @RBI
The #SupremeCourt is considering the question of interest to be charged on interest as well as the powers of the Centre and the NDMA under the Disaster Management Act to provide relief on aspect of loan repayment during #COVID__19 pandemic.

#LoanMoratorium @RBI
The Court conducted a day long hearing yesterday when the Bench of Justices Ashok Bhushan, R Subhash Reddy and MR Shah heard arguments advanced by the petitioners.

Today, Solicitor General Tushar Mehta and Senior Counsel V Giri for RBI are scheduled to make their submissions.
Read 46 tweets

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