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Smart Money Glossary Company Fixed Deposits: These are short-term (six months) to medium-term (threeto five years) borrowings by companies at a fixed rate of interest which is payablemonthly, quarterly, semi annually or annually. They can also be cumulative fixeddeposits where the entire principal along with the interest is paid at the end ofthe loan period. The rate of interest varies between 6-9% per annum for companyFDs. The interest received is after deduction of taxes. Credit Rating Agency: A Credit Rating Agency is an independent, specializedorganization that rates financial instruments. Most Bonds/Debentures/Company FixedDeposits are rated by specialized credit rating agencies.Credit rating agencies in India are CRISIL, CARE, ICRA and Fitch. The yield ona bond often varies inversely with its credit (safety) rating. The safer the instrument,usually the lower is the rate of interest offered. Demat Account: The term 'demat' is the acronym for dematerialized or dematerialization. A demat account is an account opened by an investor with a DepositoryParticipant (DP) for holding securities owned by the investor.Dematerializing a security means converting it from physical form to electronicform. These securities in electronic form are held by an organization called Depository.A depository is like a bank wherein the deposits are securities (viz. shares, debentures,bonds, government securities, units etc.) in electronic form. There are two depositoriesin India which provide dematerialization of securities- The National Securities DepositoryLimited (NSDL) and Central Securities Depository Limited (CSDL).A depository does not directly maintain accounts of the investors, but interfaceswith its investors through its investors, the Depository Participants, who maintainsthe accounts of the investors. Thus, if Depositories are Banks, the DepositoryParticipants are like bank branches where investors accounts are maintained.Over a period of time, SEBI wants to bring all companies and stock exchangesunder the purview of 'DEMAT'.160
Track your monthly expenses:Smart Money TipsMonth: JanuaryWeek Income (A) ExpenditureWeek 1Week 2Week 3Week 4TotalsDifference A- B161
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SESSION IMONEY MATTERS: SMART GOALS
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Reworking required in Sachin's budg
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QRIOSITYTheory-WiseDeficit: Deficit
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Theory-WiseOpportunity cost: Opport
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Space for working out the Verma fam
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QRIOSITYA Lemony surpriseOnce upon
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2. Live it up!!!!What do you think
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PLACE TO BANK ON!!!Bunty has got hi
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oard, 2 ashrafis for the second, 4
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THE GUITAR FEVERDarius is 13 and ha
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Notes:_____________________________
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Q-RIOSITYThis is also a Bank, but c
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Payee: ____________________________
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Manager: Good morning. What kind of
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How to open a Savings Bank Account
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A BIRD’S EYE VIEW OF A COMMERCIAL
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SECRET PIN (Sample Copy)42
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DEMAND DRAFT REQUISITION FORM (Samp
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Can you guess what this is?________
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SMART PREVIEWStock MarketStock Exch
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QRIOSITYCan you identify this build
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Now, answer the following questions
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Theory-WiseSecurities are financial
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10. Sensex:________________________
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16. Demat Account:_________________
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Group: ____________________________
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N. Gas: ___________________________
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SMART PREVIEWMutual fundsInvesting
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QRIOSITYThe triangle of investmentl
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And ultimately they decided to call
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MUTUAL FUNDS : CHOICES GALOREMr. Ma
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EUREKA'S SOLUTIONSMr. Eureka, the f
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Mr. Eureka’s assistant explains:_
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7. Mr. Roshan Vesuwala: About 30 ye
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freelance fashion designer. Mr. Vis
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SMART PREVIEWIn the next class we s
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Q-RIOSITY“One that goes a - borro
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COST OF BORROWINGFollowing are thre
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What is Reducing Balance Method of
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5. Keep a list of all your card num
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• Personal Loan• Education Loan
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QRIOSITYRead the following statemen
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Sunny’s Need/Want Analysis and Sa
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What do you think is the solution t
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What can you say from the above tab
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Will Sunny be able to repay his loa
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3. Market regulators and institutio
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tivities and help them understand o
Page 104 and 105: ACTIVITY 3Advantage Maxima!! - The
Page 106 and 107: What is delayed gratification?With
Page 108 and 109: ones instant gratification. Provide
Page 110 and 111: SESSION 3INVESTMENT : NURTURING THE
Page 112 and 113: INVESTMENT MANTRAS:Money grows with
Page 114 and 115: SESSION 4BASICS OF BANKINGDear Pare
Page 116 and 117: SESSION 5STALKING THE STOCKSDear Pa
Page 118 and 119: A SHARED FAMILY ACTIVITYWhether you
Page 120 and 121: ACTIVITY 2Here is a summary of the
Page 122 and 123: SESSION 6INVESTMENTS : THE WIDER SP
Page 124 and 125: ACTIVITY 2Here is a table, which wh
Page 126 and 127: SESSION 7BEYOND SAVINGS : BORROWING
Page 128 and 129: SESSION 8THE FINAL COUNTDOWNDear Pa
Page 130 and 131: ACTIVITY 1The entire family must si
Page 132 and 133: • The long-term maturity will all
Page 134 and 135: ACTIVITY 3A few Points to ponder wi
Page 136 and 137: TABLE 2Prioritize the factors that
Page 138 and 139: ACTIVITY 3MINI QUIZ1. The interest
Page 140 and 141: Money maxims
Page 142 and 143: Smart Money FundaeAs children why s
Page 144 and 145: Smart Money FundaeRequirements for
Page 146 and 147: Smart Money Glossary Crossing: 'Two
Page 148 and 149: Smart Money TipsTips for saving:•
Page 150 and 151: Smart Money TipsYou can earn too!!
Page 152 and 153: Smart Money Glossary Bull: The term
Page 156 and 157: Smart Money Glossary Mutual Fund: A
Page 158 and 159: Smart Money Glossary Debt Fund: A m
Page 160 and 161: Smart Money Glossary Pure risk or T
Page 162 and 163: www.rediff.com/getahead/money.htmlw
Page 164 and 165: Credit Card Terms:1. Total Amount D
Page 166: 3. Banks are guided by Reserve Bank
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