Why your Adsense account has been disabled or banned

If you are a blogger or aspiring to become a blogger, Google adsense is the most preferred mode to earn money by posting advertisements on the side bars or at the bottom of each page of your blog & when a visitor visits your blog & clicks any ad in your blog, you become a creditor in the books of google or in simpler language, Google becomes liable to pay you.

Now, a big question for any blogger is that "When does adsense account gets approved"

• In normal cases, it takes round about 6 months for Google to approve your account or to become disabled account enabled

What is Systematic Withdrawl Plan (SWP)

This is a commonly used terminology in Mutual fund industry which help Mutual fund investors to redeem or withdraw a specific amount of his money invested  at a pre-defined frequency intervals by giving one time instruction to his AMC or Mutual Fund Company.


This facility helps two categories of investors


1. A investor who want withdrawl at regular internals during his retirement
2. A investor who is not confident about the Equity markets going forward, want to book profits at regular intervals




The SWP Plan results in superior or better returns vis-a-vis Lump sum one time withdrwal as it takes away the very important decision & element of timing the volatile equity markets


Practical Implication of Systematic Withdrawl Plan (SWP)
For a retail investor, who always try to time the volatile stock market can opt for SWP plan which would help him 

• avoid uncertainties & 
• would help him avoiding his exit from Mutual funds scheme at the bottom of the markets where most of the retail investors exit due to extreme panic. 

If you like reading this article, kindly read

1. Dont Trade But Invest for Simple Reasons
2. Why do you need a financial plan
3. Rupee Cost Averaging helps you to become a Crorepati

Regards
Mayank Gupta
Founder
http://www.wealthbazaar.in/

Rupee Cost Averaging takes you to become a Crorepati

There is a general rule of life


"Everything which goes up, has to come down", and that also happens to the prices of stocks or Mutual funds which we buy.


The most famous question, "What is the bottom of the market" has no answer, even with the hard core analyst or with your favourite broker. So lets make you aware of one strategy which can help you making profit without having the worry about timing the market. A strategy which every Fund Mansger suggest to its investors, and a strategy which I, Mayank Gupta, Founder at http://www.wealthbazaar.in/ suggest it to my loyal clients.

In simple language, "The process to buy Mutual funds or even shares at regular intervals, that may be monthly, weekly or daily without looking at the current prices of a underlying assest i.e a stock or a mutual fund"
By following this strategy, a investor is able to accumulate more units/shares at the market bottom & a fewer shares or mutual fund units when the markets are at the top. So, in the end, he is able to average his purchase price


This helps in get rid of volatility in the stock market since it smoothens out big ups and downs 
of the volatile markets like Dow Jones or may be Indian index of Sensex.


Lets explain it with the help of Example. A investor  buys 500 shares of IDFC Limited at Rs 150 per share. Total Investments made in this case is Rs 75,000. A month later, prices went down to Rs 120 per share, now if you broadly look, you are a t a loss of Rs 15000 in just one month (500 shares * Rs 30 per share) & you start reeling your mind, "I hope, I could have waited & bought at these odd levels of 120 

Let us look at an another strategy. What if you had some discipline in your Investments &  invested a fixed sum of Rs 15,000 every month for 5 months? In the first month, you would have got 100 shares at Rs 150. With the price down to Rs 120 the next month, you could have got 125shares. Refer to the table below

Month	Share price (Rs)	Amount invested (Rs)	Shares bought
1	150	15,000	100
2	120	15,000	120
3	135	15,000	111.11
4	160	15,000	93.75
5	150	15,000	100
Total		75,000	524.86 shares

Now, if you could have followed this strategy, it would have helped you to accumulate 524.86 shares or units of Mutual funds as against 500 shares in Lump Sum Investments. A difference of  25 shares or Rs 3750 in total out of a Investment amount of just Rs 75000. This strategy of buying in parts is nothing but Rupee Cost Averaging strategy.

If you like reading this article, kindly read

1. Top Mutual Funds in India
2. Rupee Cost Averaging takes you to become a Crorepati
3. Systematic Withdrawl Plan 
4. Why do you need a financial Plan

Regards
Mayank Gupta
Founder
mayankportfoliomanager@yahoo.com
http://www.wealthbazaar.in/