L – T Finance Holdings net up 8% in first quarter: The Hindu Business Line – Mobile edition #finance #now

#l T Finance Holdings (LTFH) reported an eight per cent increase in consolidated net profit at ₹207 crore in the reporting quarter ended June 30, as against ₹192 crore in the year-ago period.

LTFH, which is promoted by promoted by Larsen Toubro, has seven wholly-owned subsidiaries — L T Finance, L T Infrastructure Finance Company, L T Investment Management, L T Capital Markets, L T Housing Finance, Family Credit Ltd, and L T FinCorp.

The financial holding company said consolidated net profit to shareholders (after considering dividend on preference shares on pro-rata basis) was up 21 per cent to ₹175 crore (₹145 crore in the year-ago quarter).

Overall loans and advances grew 17 per cent year-on-year to ₹57,736 crore ( ₹49,218 crore as on June 30, 2015).

“This growth was led by disbursements in housing finance, operational projects in renewable energy, microfinance and two-wheeler finance,” said LTFH in a statement.

As per regulatory requirements, LTFH has started recognising non-performing assets (NPAs) at 120 days of delinquency.

Gross NPAs reduced from 5.45 per cent as on June 30, 2015, to 4.58 per cent of book at the end of the current quarter. Net NPAs reduced from 4.43 per cent to 3.13 per cent.

In the investment management business, average assets under management for the quarter grew 28 per cent y-o-y to ₹28,404 crore.

Meanwhile, the company said Dinanath Dubhashi has been elevated as Managing Director. Earlier, he was Deputy Managing Director.

WordPress 3 #set #up #wordpress


The other day, Klint Finley wrote a very good walkthrough of using the new Multisite functionality of WordPress 3.0. In the comments, a lot of people wanted to know how to use your own domain names. Since I m doing that now, here s a quick walkthrough/how-to guide.

Step 1: Manual Plugin Installation

The Domain Mapping plugin is not your regular kind of plugin. You cannot install it through the normal Plugins- Add New menu. Well, actually, you can. it just won t work.

So first, download the plugin manually.

Note: For this tutorial, I will be using the WordPress MU Domain Mapping plugin. However, I am using the trunk version of the plugin. It has fixes in it that you will need for proper 3.0 support. Don t try it with the regular version. (Note: The regular version works fine. This was originally written before the latest version, or 3.0, was released.)

The plugin has two main files you need to put in the proper places.

Domain mapping php file location

The first file is the domain_mapping.php file. This needs to go into the mu-plugins folder. The mu-plugins folder is a special folder, which you may not even have yet. Just create it underneath the wp-content folder and put that file into it.

Sunrise php file location

The second file is the sunrise.php file. This is a special filename for WordPress. Don t worry about it, just put it in the wp-content folder.

Step 2: Activate Sunrise

Now you need to edit your wp-config.php file. Add this line of code to it:

Simple, really. This will cause WordPress to go load that sunrise.php file and use it.

Step 3: Server info

Now you have to configure the domain mapping plugin so that it knows what it s doing properly. This is easy to do, really. Go to your main domain s admin page and log in as a super admin. Then go to the new Super Admin- Domain Mapping menu.

Domain mapping setup screen

Here you have a few different options, but two main ones that count. You can either put in the IP address of your server (as defined in your domain s main A record) or you can put in a CNAME that points to your server. The IP address is what most people will want to use. If your server uses more than one, you can enter them all here, separated by commas.

Other options on this page:

  • Remote Login This will make your login pages for all sites redirect to your main site to do the actual login. The benefit of this is that when you log in to one, you log into all of them. The downside is that the URL changes to another domain in order to log in.
  • Permanent redirect (better for your blogger s pagerank) This makes your subdomain or subdirectory sites redirect to their domains. You should leave this on.
  • User domain mapping page Turn this on if you want users to be able to put in their own domains for mapping.
  • Redirect administration pages to blog s original domain (remote login disabled if redirect disabled) This makes all admin pages show up on the original domain instead of on the new domains. You need this enabled for remote login to work.

Generally I leave only the middle two on. Remote-login is iffy at best, and I want my new domain name to show up everywhere.

Step 4: Mapping the Domain

There s a bit of a prerequisite here before you do this. When you buy a new domain, you will need to edit its DNS settings to actually point to your server IP or CNAME or whatever you do to make the domain connect to your server. For me, I just give it a new A record with my server IP in it. Easy.

Update: Okay, so there may be more to it than just that, depending on your host. Every host is different, and you ll have to talk to your host to make them able to point the domain name at your existing site. How to do this varies from host to host, but the important thing is that when you visit your new domain (before you do this!) then you want it to go to your main site, as is.

There s two ways you can actually map a domain to one of your sites. The user screen is the simplest way, if you left that option on before. Log into the site you actually want to map to a new domain, then go to Tools- Domain Mapping.

User Domain Mapping Screen

All you really do is put in a new domain and set it as the primary. Simple.

Note that if you didn t get the domain pointed at your server before doing this, then your site will instantly vanish from the realm of mortal man. Setting the primary domain takes effect instantly. You won t be able to access the site through the old domain any more.

The other way to set domain mapping is through the Super Admin- Domains menu. Here you ll find a list of sites and their ID numbers. You can map an id number directly to a domain name here. The Tools approach is a bit easier to use, but this will allow you to map domains without visiting them, as you can access this list from your main domain. You can also correct broken domain mappings from here.

Step 5: Seeing the Mapped Domains

If you go to Super Admin- Sites, you ll find this type of a listing:

You ll note that on the right hand side you can see the column showing the mapped domains.

Special Note: See in the picture how I m using a subdirectory install? That s relatively new. In older versions of the domain mapping system, you had to use a subdomain installation and wildcard DNS for domain mapping to work. This is no longer the case, domain mapping works just fine with subdirectories.


And that s how it s done. It s not super complex, but it does require some knowledge of DNS and how servers work. If you can successfully set up a multi-site install to begin with, you can probably do this as well. Just be aware that it is slightly finicky, and know that you will break your site if you put in the wrong settings somewhere. However, your main domain will always be accessible as long as you don t try to map it, so you ll be able to go in from there to correct your mistakes.

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PNB Housing Finance net up 66% in FY’16: The Hindu Business Line – Mobile edition #online #finance

#pnb housing finance


Updated: May 13, 2016 19:28 IST | K. R. Srivats

PNB Housing Finance Ltd (PNBHFL) has reported a 66 percent increase in net profit for the year ended March 2016 at Rs 326 crore (Rs 196 crore). Total income for the year grew 52 per cent to Rs 2,697 crore.

Commenting on the financial performance, Sanjaya Gupta, Managing Director, PNBHFL said that the results are encouraging and at “par with our expectations”.

“Financial year 2015-16 has been a year of high significance as we attained the status of one of the leading housing finance companies surpassing assets under management of Rs 27,000 crore”, Gupta said in a statement here.

Net interest margin for the year ended March 31, 2016 stood at 3.08% as against 3.21% in the previous year.

PNBHFL is a subsidiary of Punjab National Bank. Quality Holding Investments (owned by Carlyle Group) is the other significant shareholder in PNBHFL.

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Manappuram Finance fiscal net profit up 30%: The Hindu Business Line – Mobile edition #pcp #car #finance

#manappuram finance


Manappuram Finance Ltd has posted a 30 per cent increase in its net profit at ₹353.36 crore in FY’16 compared with ₹271.31 crore reported in FY’15.

Operating income stood at ₹2,360.23 crore, higher by 18.8 per cent, in comparison with ₹1,986.42 crore recorded in the previous fiscal.

An interim dividend of ₹0.45 per share for the quarter was earlier declared in March this year. Accordingly, the board has not proposed any further dividend. Total dividend for the year amounted to ₹1.80 per share.

V P Nandakumar, Managing Director CEO, said, “Wth this performance, we can say with conviction that we are back on the growth path. Our new businesses have done well and we look forward with optimism to the prospect of becoming a diversified NBFC.”

The company’s consolidated assets under management also rose to ₹ 11,433 crore from ₹9,593 crore recorded in the previous fiscal year.

The recent diversification into new business areas has gained further traction with new businesses now contributing about 12 per cent of its consolidated AUM. Microfinance subsidiary, Asirvad Microfinance Pvt Ltd, had ended the year with an AUM of ₹998.82 crore, representing a growth of 210 per cent over ₹322 crore.

Commercial vehicle loans and mortgage-based finance (housing loans and loans against property) have contributed ₹302.52 crore to the total AUM. Their contribution in the preceding fiscal year was ₹44.80 crore.

3 Reasons to Load Up on Power Financial Corp #real #estate #finance

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For the most part, Canadian stocks have shrugged off the latest market turmoil caused by Britain s potential exit from the European Union.

Before votes were officially tallied, the TSX Composite Index traded at a little over 14,100 points. After two down days in the aftermath of the surprise Leave vote, markets rallied on Tuesday and again on Wednesday morning, ending up less than 1% below pre-Brexit levels. In other words, this whole thing has been pretty much a non-event.

A few select Canadian stocks really took this news on the chin because of significant European exposure a move that has created some buying opportunities. This is very good news for investors looking at Power Financial Corporation (TSX:PWF). a stock I believe offers potential for attractive long-term returns.

Power Financial is a holding company with three main parts. It has a 67.4% stake in Great-West Lifeco. one of Canada s largest life insurers. It also owns a 61.2% stake in IGM Financial. the parent company of wealth management companies Investors Group and Mackenzie Financial. Finally, the company holds approximately 28% of a European holding company called Pargesa, which in turn has big positions in a handful of other European stocks.

It also holds a 59.8% stake in Wealthsimple, an online-only roboadvisor which uses software to create ETF portfolios for common investors. This position isn t material compared to the others.

What makes Power Financial interesting is that the company trades at a pretty steep discount to the sum of its parts. It currently has a market cap of $20.72 billion. Yet the value of its underlying assets is approximately $27 billion after taking away the value of its preferred shares.

In short, Power Financial investors are getting $1 in assets for approximately 77 cents.

Most of Power Financial s earnings come from this side of the ocean, meaning the current European issues won t really affect the company s bottom line. Thus, we can assume 2016 earnings estimates are relatively safe.

On a forward earnings basis, Power Financial is one of the cheapest stocks on the market. Analysts estimate the company will earn $3.07 per share in 2016, putting shares at just 9.5 times earnings expectations. That s incredibly cheap.

If we look at 2017 analyst estimates, the stock gets even cheaper. Collective earnings expectations for next year come in at $3.34 per share, putting Power Financial at just 8.76 times earnings.

After years of paying a steady dividend of $0.35 per share each quarter, it appears as though Power Financial has finally gotten serious about increasing its dividend.

It has rewarded investors with dividend raises in both 2015 and 2016, hiking the payout to $0.3725 per share quarterly, and then $0.3925 per share quarterly. Today that s good enough for a 5.4% yield.

With a payout ratio of just 51% of projected 2016 earnings, Power Financial s dividend is pretty secure. In fact, investors can likely expect annual dividend raises going forward.

One reason to be cautious

There s a lot to like about Power Financial. But investors do have to keep one thing in mind.

Although the company s stake in IGM Financial is only worth a little over $5 billion, it appears to be much of the reason why shares are selling off. In a world where low-cost solutions are recommended by just about every financial pundit, many are seeing Investors Group and its business model of selling high-cost funds as a relic of the past.

If you look at Power Financial s recent share price compared to IGM Financial s, they virtually mirror each other. It sure looks to me like the market is overly pricing in what it views to be toxic IGM exposure.

But at the same time, I m not sure the troubled division is really doing so badly. IGM shares trade hands at just 11.7 times trailing earnings. IGM also pays a 6.4% dividend that s easily covered by earnings. And the company is hard at work, trying to reinvent itself for today s investing world.

Power Financial Corp. is one of Canada s finest dividend stocks trading at a discounted price. Investors would be smart to ignore any IGM-related issues and load up on this proven winner while still getting a bargain.

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We’ve identified an energy company we think offers one of the best growth opportunities around. While this company is largely tied to the production of natural gas, it doesn’t actually produce the gas. Instead, it provides the equipment required to get natural gas from the ground to the end user. With diversified operations around the globe, we think it’s a rare find in the industry.

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For the most part, Canadian stocks have shrugged off the latest market turmoil caused by Britain s potential exit from the European Union.

Before votes were officially tallied, the TSX Composite Index traded at a little over 14,100 points. After two down days in the aftermath of the surprise Leave vote, markets rallied on Tuesday and again on Wednesday morning, ending up less than 1% below pre-Brexit levels. In other words, this whole thing has been pretty much a non-event.

A few select Canadian stocks really took this news on the chin because of significant European exposure a move that has created some

How to Hook Up a Wii to an LCD TV #how #to #set #up #internet #on #wii


AV Connection

The next step is to connect the Wii to the LCD TV. You will notice that the Wii comes standard with an AV cable. If you wish to connect the Wii to the LCD TV using this cable, the steps are very straightforward. Simply insert the multi-out plug, which is the flat end with a single connector, into the “AV Multi Out” port on the Wii game console.

The other end of the AV cable has three plugs: a yellow video connector; a white left audio connector; and a red right audio connector. Most LCD TVs offer several AV ports, on the back, side or front of the television. Find three AV ports and plug the yellow connector into the yellow port, the white connector into the white port and the red plug into the red port.

Splitters and HDMI Adapters

However, you might only have one set of AV ports on your LCD TV. Perhaps this is already in use by a different game console or another device, such as your DVD player. If you want to leave the existing device connected to the LCD TV but would like to also connect the Wii console, you have a couple of different options. One is to purchase an AV composite video splitter, sometimes called AV distribution amps. This adapter may allow you to connect the Wii along with other devices, even if there is only one set of AV jacks on your LCD TV.

LCD TVs typically have HDMI ports, which are used to connect other high definition devices to the television. While Wii games are not yet high definition, you may be able to use this port to connect the Wii to the LCD TV. This connection would require the use of an HDMI to AV adapter, such as a Component AV to HDMI converter. This device allows you to connect AV sources, such as the Wii to HDMI displays, such as an LCD TV. There are a couple of caveats to consider regarding this solution, though. First, it is important to note that Nintendo does not support this type of connection. While some users have successfully used this type of connection, you might experience poor quality audio or video, or it might not work at all. Second, you should consider the cost. This type of converter sells for around $200.

Fortunately, there is finally an affordable, effective option that you can use. The Wii2HDMI converter, available from Neoya, costs about $40 and enables you to connect your Wii to any HDMI AV receiver or HDTV. This plug and play converter outputs both audio and video in full digital HDMI format. It supports all Wii display modes, as well. It is important to remember that the Wii’s max output is only a 480p resolution, no matter what type of connection you use.


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Quick finance in 60 minutes

Approved funds can be in your bank account in 60 minutes or less, depending on your bank of course! Please note that if you apply for quick finance outside of business hours, it will generally take longer to process your application.

Once approved, we’ll set you up with a repayment schedule for your MoneyMe loan, aligned with your pay cycle. If you develop a good credit history with us, you may be able to borrow larger amounts in future, depending on your financial situation. If you have any trouble repaying your loan, get in touch with us via phone, email, live chat, Facebook or Twitter and we may be able to help.

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Our quick finance loans are no hidden charges. You may have to pay extra fees if you don’t pay us back on time, but we’re completely upfront about these.

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Don’t worry about sending us loads of documents and pay slips. We securely access 90 days of your bank statements online in seconds using Money Buddy technology, so we can approve your loan fast. Your statements are in a read-only format so you can rest assured that no one can touch your bank account. Just supply is with your basic personal details and that’s all we need to get started with your loan application.

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The interest rate is 11.00 % p.a. (Comparison Rate 20.53 %* p.a. based on a $10,000 loan over 3 years). Your total repayment is $10,000.00. Minimum term: 12 months, Maximum term: 3 years, Maximum APR: 20.53 %

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WARNING: Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.

Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.

If you are on government benefits, ask if you can receive an advance from Centrelink. www.humanservices.gov.au/advancepayments

The Australian Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you.