Navia Markets is one of the Primary Online & Offline E-brokering Companies located in South India. The services of Navia started from1985 with an objective to make investing suitable, safe and reasonably priced. It enables both Resident Indians and Non-Resident Indians (NRIs) to trade on the Internet with best recommendations and live quotes. Navia Markets are members of National Stock Exchange (NSE) and Madras Stock Exchange (MSE) as well as a Participant of National Securities Depository Limited (NSDL).
Navia Offers 
Navia offers Equities & Derivatives Trading, Mutual Fund, Initial Public Offering (IPO) Investments, and Employee Stock Ownership Plan (ESOP), liquidation and repatriation services. One can also be a franchisee of Navia Markets. They have international clientele from countries like USA, Canada, UK, UAE, Australia, Japan, Germany, Kenya, New Zealand and many others.

IPO: When a company issues a common stocks or shares to the public for the first time, in order to expand its capital it is commonly known as Initial Public Offering (IPO). Navia offers IPO services with related information such as current and forthcoming initial public offering reports, with the best recommendations from share brokers.
All the above mentioned investment facilities are available for both Resident Indians and NRIs. For investing the amount in shares one should have the Dematerialized account where investments are done without any paper credentials.

Have you ever spared a thought like what is actually the main purpose or intention of photography? In the truest sense, photographs trap memories in the physical manner. Likewise, some people mostly photographers believe that photographing people in colour just offers glamour and beauty to the photographs. However, the aforementioned statement has been contradicted by stating, when you photograph people in black and white colour you succeed to photograph their souls. Apart from all these photographic statements even an amateur would have experienced certain irritating moments in his or her lifetime, when he or she has lamented why a camera is not with him/her. Moreover, cases such as while traveling with a camera, we witness that the sun has just slipped over the horizon and we become late to expose the film. To wipe off such irritating issues the arena of photography these days has become totally digitised. With the introduction of the digital technology the photographs started getting captured in high and unbelievable quality. But whatever, digital or analogue photographs in their physical form fail to last long. After certain period of time the photographs tend to become sticky and rashes further make the images worse. But to wipe of all these concerns the Internet has come to our rescue. It actually means with the inception of Internet various changes have changed our entire lifestyle. These days one can share photos, chat and maintaining online relationships with people from all over the world in a very hassle free and affordable manner. Moreover, the burgeoning intensity of the photo sharing sites has offered new scopes for many new brands of Internet to venture into the online market. These special sites actually became more popular as more and more people, both amateur and professional photographers, started getting interest into it. In fact, every human being has the instinct of photography inside him or her. As such, the photography class would include almost 95 percent of the masses. Moreover, it has been witnessed that photographs which get posted in the online sites get good exposure and help the concerned photographers to enjoy fame in less time without much struggling. As such, you can also share photos online and experience the difference. Furthermore, these online photo sharing websites can be operated very easily. One just has to upload his or her photos and then start enjoying the benefits. You can own an online photo album and inform your friends and relatives residing in other parts of the globe to view the treasured memories of yours. This actually helps you to share your unforgettable moments with your friends and relatives residing in any part of the globe. The most appreciating aspect of this process is that, as long as your online account or the online photo album remains active, your photographs remains fresh and active. Moreover, you can at times even get the print out of those images at ease. In other words it can be said, these online photo sharing sites would serve as the best place for storing your beautiful photographs. As such, it is expected this process would develop much further in times to comes and lets keep our fingers crossed and hope for the best.

Sharing gratitude is a Christian virtue. Wikepedia has this to say about gratitude: ”Gratitude, appreciation, or thankfulness is a positive emotion or attitude in acknowledgment of a benefit that one has received or will receive. In contrast to the positive feeling of gratitude, the feeling of indebtedness is a negative reaction to a favor (Tsang, 2006a; Watkins, Scheer, Ovnicek, & Kolts, 2006). Even though our reactions to favors might not always be positive, researchers have found that people express gratitude often. Psychological research has demonstrated that individuals are more likely to experience gratitude when they receive a favor that is perceived to be (1) valued by the recipient, (2) costly to the benefactor, (3) given by the benefactor with benevolent intentions, and (4) given gratuitously (rather than out of role-based obligations) “ 1. An awesome Program, Sharing Gratitude, is like a Sam’s Club, members receive 50% to 60% discount on products. 2. Members also have access to a wholesale warehouse where they can buy merchandise from High End Department Stores with 12% to 16% savings. 3. Members can also book travel on the site to earn 30% commissions. 4. Sharing gratitude is all about bringing to you and to others– blessings of sharing caring, giving and reaching. 5. As a member you will learn how to apply the principles of the Bible to bless others. 6. Memberships are sold in a unique way. Instead of buying a membership for yourself, you buy a membership for a family of a child who is in the hospital. 7. “Sharing Gratitude is all about bringing blessings to you and to others and teaching the whole world a whole new concept in making a living, i. e. sharing gratitude”. ”The organization is called Sharing Gratitude. And that is exactly what is done! Sharing Gratitude has put together a model that is helping everyone involved; free themselves and others from oppression. The philosophy is that there is enough in the world, and as everyone comes together to give and receive systematically, we will all live in abundance!!! Seriously, by even only finding 4 people who wanted to participate in Sharing Gratitude, one person would receive $153,000 in gifts in a year if everyone followed the system!! Joining 7 members that duplicate the system, creates an estimated $563,000 in a year”! I found this program as a great vehicle for my mission in life of helping to spread the Good News,(the Gospel) especially to the un-churched people of the world. Our local church Filipino Church in Houston needs a Sanctuary. I am raising some funds to build this most needed place of worship for our members. I found this awesome program “Sharing Gratitude” as the best means for a membership drive to achieve our spiritual goal. I truly believe that our prayers will be answered to allow us to build our church sanctuary. We cannot underestimate the power of God in tapping the hearts of the people of the world to help us realize our goal. ”Ask and it will be given to you; seek and you will find; knock and the door will be opened to you;. For everyone who asks, receives; he who seeks finds; and to him who knocks, the door will be opened:. Matt7:7-8.

Sharing photos with friends have been the craze of people for generations. People find it fancy to share photos and videos with their relatives and convey to them their recent memories. Thus online photo sharing is looked upon as a remarkable means to convey to others the emotions and joy that one went through. In order to share photos online, the masses just need to register themselves to social networking sites. Then it becomes possible for them to upload videos and images on these sites. Actually on completion of the registration process, the person successfully makes his own profile. The photos and videos that are uploaded remain on one’s profile. Anyone, visiting the profile can easily view the uploaded images. But, it is not just restricted to it. People can opt for online photo sharing directly. Just by loading pictures in the computer, users can easily make use of websites and share them with others. To share photos online, people just need to follow a few steps so as to share the photographs with others. The first step would certainly be clicking pictures, followed by it the sharers would have to upload it on the site. Then the photos can be shared with others easily. The method is quick and helps people share the precious moments of life with others staying at distant places of the world. Hence, this method is highly applauded by subscribes of this service. They find it very easy to share photos with their loved ones. People anywhere can easily subscribe to the services offered by the system. Thus masses living in remote places of the world now have found a means to communicate with others by the online photo sharing method. The services offered by the websites are not just limited to sharing photos. Infact, they offer calling services and messaging options too. So, communication is fully pronounced on these websites. This service is also very cheap as users do not have to pay anything to websites that bring this service. Infact, it makes online photo sharing and printing very easier for people. They are widely acclaimed for this tremendously innovative service. People can communicate without facing any hassles. Detailed information about the service and the websites that bring to people the facility is available on the internet. The information enables people to learn about the huge service that the websites provide to people. It is increasingly being realised that the role played by the sites is very dominant in keeping people connected. Thus photo sharing, one principal feature offered by this method, is hugely appreciated all over the world. People have started to abandon the traditional methods of developing photo films. Now, they like to directly share them with others online.

Science and Technology have revolutionized the whole world and have made our lives more hi-tech and technology buffed in every aspect. There were times when we relied on traditional photography with the help of old-age cameras, then with the advent of digital cameras, we are able to click photographs with higher quality and better prints. With the help of Internet, we can share photos online with our near and dear ones. The process mainly deals with the exchange or sharing of our digital pictures with others. We can even upload and save them in our photo galleries on different websites dealing with these activities. With the help of applications like sideshows and thumbnails, it becomes convenient for the viewer to watch it with more clarity and with good quality. These are mainly popular among youngsters who mainly indulge themselves in online chatting and scrapping. Some social networking sites such as Facebook, Orkut etc. deal with such activities where one can easily communicate with others, share one’s views, makes friendship and even share personal photos and videos. We mainly share photos online through E-mails or through any chat messengers like yahoo, gmail etc. Sharing photos online mainly deals with sharing digital photographs, scanned photographs, hand drawn paintings and sketches. The image sharing job is not only confined for personal use but commercially this job is done mainly for promoting different products of various companies. These sites can be surfed free of cost but they manly deal with image sharing. These paid-sites offer monthly or annual subscriptions to the customers who can use these sites for image sharing, video sharing etc. YouTube is one of the most popular website dealing with these things. With the help of these services, we can even order for the digital prints of our photos, thus saving us time and money and we can even get prints of higher quality. With the help of high speed broad bands, the consumer can share photos and videos without any intermediate media or central service. Sometimes, with the lack of backup the photos may be erased but usually they get stored in the photo galleries and they can be further used in future. We share photos online with the help of selected URLs that many web browsers provide. Many websites follow the rule of taxonomy and specific albums are created which include photos based on different categories. For example when we browse on Google or Yahoo, we can simply specify the category and get a wide range of photos and can then share them accordingly. Sharing of photos is mainly done by youngsters who believe in online friendship and thus can strengthen their relation with a vivid knowledge about the concerned person.

The concept of sharing photos lies in the ability of the user to put photographs on websites. In order to share photos, it is necessary for an user to use the features given by photo sharing websites. These websites can be of many types. There can be websites which have the feature of online photo sharing as their major aspect. There are also websites which provide this facility as one of their features. blogs are also capable of handling photographs with the facility of photo blogs being available for users. This is a beautiful feature and also a wonderful opportunity, both at the same time. The beauty lies in the numerous pictures that are taken by users and are present on websites. The opportunity is there to be taken by individuals such as aspiring photographers and also those individuals who have their activities involving the need to share photos. Hence, one is able to share photos online using many websites. Sharing photos has its share of advantages. In community websites, people are able to check out the profiles of other users and also get to see their photographs. In matrimonial websites, one is able to search for ones bride or groom while browsing through lists having their photos as thumbnails. In chatting applications, the technology of photo sharing enables the ‘chatters’ to have an idea about how does the person to whom they are talking too, looks. Then there are always the photo Blogs where writers can put their photographs along with their fantastic thoughts in the form of Blogs. Time has the feature of running along without having to stop even for a single instant. This is also a feature present with most of the photo sharing websites. One can visit a photo sharing website any time, for putting the photographs that they have taken. Technology has played a defining role in the flourishing of these websites. Many new features are now present on most of the websites which were not there ago. One of them is the photo album. This enables the user to arrange the photos in a well managed manner using the feature of a ‘digital album’. Then there is also the technology of the slide show which enables the user to see all the pictures in the form of a slide show. Advanced and wonderful features are a regular feature present on most of the websites which give the feature of photo sharing. The user is able to handle his photographs in a systematic manner using the tools provided on these websites. Hence, the user, after taking a wonderful picture, is able to show it to his friends living far away in a location which is miles away from his place. He is able to share photos online, using one of the image-sharing websites.

With the onset of technology and its augmentation, everything today has become â??onlineâ?? and this includes trading! All non-residents today trade online. Almost all the registered brokers today offer Online Trading facility in Equities for non-residents. But of course, there are certain prerequisites for being able to trade online. The non-resident must have/open: 1. Bank account with a Portfolio Investment Scheme (PIS) Designated Bank (DB) 2. Demat account with broker 3. Broking account with broker. Before proceeding further, let us tell you what exactly all these accounts are. PIS Account: Portfolio Investment Scheme, better known as PIS, account is mandatory for all Indians living abroad, and enables non-residents to invest in the shares of Indian companies based on repatriation or non-repatriation, in respect of shares or convertible debentures sold or purchased through a registered stock broker on a recognized stock exchange. Please note that other means of acquiring shares (like bonus shares, shares purchased through IPO etc. ) is not covered under this scheme. Demat/DMAT Account: Dematerialised or DMAT account is similar to any conventional bank account, the only difference being that the latter deals with money, while the former deals with sale and purchase of stocks. Maintained with a Depository and opened through a Depository Participant (DP), we at nriinvestindia. com help our clients to open such an account in India. Broking/Trading Account: The name might sound complex, but trading account is nothing but an account opened with a stock brokers, enabling you to buy and sell shares or any other financial instruments through them. Now that you know what these accounts mean, we now proceed to tell you how to open these accounts, and the various documents you will need, if any, for the same. Opening a Bank Account with a PIS DB: To invest in the secondary market, non-residents require the permission of the Reserve Bank of India (RBI), and for this you need to open a bank account with a DB under the PIS. The fund for investment in the market has to be routed through the PIS Bank account. The brokers can have a tie-up with UTI Bank, HDFC Bank, IndusInd Bank etc for this purpose since these are the DB of the RBI, and can hence issue RBI approval to non-residents. The account can be opened based on whether you want benefits of repatriation upon investing (NRE Account) or do not wants benefits on repatriation upon investing (NRO Account). Brokers will send you a trading account opening kit enclosed with the application forms for opening Bank account as well with any one of the above-referred DB under the Portfolio Investment Scheme. This will facilitate online trading for non-residents around the world. Upon receiving these forms, the DB will open two bank accounts â?? a PIS account and non-PIS account. All investments and sale proceeds will be done through the PIS account. Please remember that the PIS account needs to be funded before the broker can make investments. The non-PIS account functions like any usual Savings Bank non-resident account, and transactions other than those under the PIS account will be routed through the non-PIS account. In case of NRO accounts, the non-PIS transaction would include payment to IPO and ESOP, dividend payment, amongst others. You need to produce the following documents while opening a PIS account: * Attested copy of Passport. * Attested copy of Valid VISA copy /Work permit (Iqqama for middle east countries). * Details of existing shares holding both in NRI status & resident status duly signed. * 3 Passport size Photographs. The DB shall send the A/c opening intimation directly to the clients & a copy of the RBI approval is delivered to the broker. On receipt of the RBI approval from the DB, the broker proceeds to the next step – opening a Demat and Broking account. Opening a DMAT account with a broker: Based on RBIâ??s approval, the broker will open the DMAT account in the same status (NRE or NRO) and pattern (Joint or Single) as is the account with the bank. Shares are held here in an electronic form and shares bought by the client get credited on the second working day from the day of purchase. Example: Shares bought on Monday will be credited on Wednesday; those bought on Tuesday will be credited on Thursday, and so on. Opening a Broking/Trading account with a broker: Broking account is a trading account with the help of which the client does the transactions of â??buyâ?? and â??sellâ?? in the Secondary Market. The broking account is opened after the DMAT account gets opened, and the former is linked with the latter. Now that you know the process of opening the various accounts, we will now inform you, in detail, about the trading process and the transactions of â??buyâ?? and â??sellâ??. Trading process: To enable the client to trade, the client is given, generally, a Trade Login User ID and a password. All the client has to do is place the “Buy” and “Sell” Orders on the Broker’s Trade Page. Most of the Brokers have user-friendly Trading System thus ensuring that the client has a pleasant trading experience. Buy: By moving funds in her/his PIS account to the broker, the client can initiate a â??buyâ?? transaction. The movement of the fund is done in less than a minute and accordingly the Trading Limit is updated facilitating the client to buy shares. Once the NRI has bought and/or sold the balance money, if any, the same has to be transferred by the client from her/his PIS account on receipt of the trade confirmation, and the Broker then sends it after the Market closes for the day. The National Stock Exchange (NSE) settles the delivery for shares bought on the second working day (example: if you bought a share on Monday it will be credited to your account on Wednesday and so on) from the Date of Purchase. Sell: You need to have shares in your DMAT account to initiate a â??sellâ?? transaction. The trading system would reject your order otherwise. The shares bought are, as mentioned above, credited to your account on the second working day and available for trade on the third day. The NSE settles the sale proceeds on the second day from the date of sale and the broker wires the money to the clientâ??s PIS account, on the second day itself. The DB credits the proceeds into the clientâ??s PIS account after Calculation Gains and deducting tax if any. The client can get an update on the Broking account by looking at the â??Accounts Statementâ?? on the brokerâ??s trading website. The Daily Account Statement gives details of Funds Transfers – both for transfers done by the client to Broker & by Broker to the clientâ??s PIS A/c and the date-wise break-up of shares bought or sold by the client. VALUE ADDED SERVICES RENDERED BY THE BROKER FOR ONLINE NRI CLIENTSA broker will not ONLY take care of your transactions. She/he provides a lot of innumerable services. These include:One-stop shop: Most of the brokers will open all the three accounts for you by coordinating for the same with the DB. So all the applicant has to do is fill up the relevant forms and give it to the broker. Trade confirmations: Brokers will email you the details of the trade done for the day which will include confirmation for the trade done and the brokerage fee charged for the same. Report transaction: Brokers will report every transaction done by a client to RBI by the DB. Contract notes: In addition to the emails, the client can view their Digital Contract notes on the website. PIS account queries/reconciliation: In order to ensure that the PIS account is regular, the broker shall coordinate with the DB and clarify all queries related to PIS transactions. Please note that every transaction done in the Trading account has to be reported through the DB. Offline orders: Some brokers accept offline orders through emails, fax, and even over the phone, after confirming the identity of the client, thus permitting even those who do not have access to Internet/Computer. The brokers may also offer opening an account for liquidating the shares bought in Primary Market. They will also obtain the Auditorâ??s Certificate for such sales and the proceeds will be credited to your NRE/NRO Account after the tax has been deducted. Processing of IPO Applications: The broker, on behalf of NRI clients, can apply for IPO relieving the client off the paper work. All the client has to do is indicate the number of shares to be applied for, either through an email or by filling the online application available on the brokerâ??s website (most of the brokers provide such services). TIP â?? Recommendation/Call of Stocks: Thanks to technology, brokers, today, send SMS and/or email alerts keeping their clients updated about the market. Clients having considerable holding in a particular stock also receive price alerts in addition to the latest market news. Online helpdesk: Due to the boom in technology, brokers today are able to assist their clients through an â??online helpdeskâ??, hence certifying that suggestions/solutions are provided to the clients immediately. TRADING PROCESSNon-residents require the following documents depending on whether they are NRI, PIO or OCI:Non-Resident Indian (NRI) requires PAN Card and a copy of the Indian Passport. Person of Indian Origin (PIO) requires PIO Card, copy of Foreign Passport showing Indian birthplace and PAN Card. Overseas Citizen of India (OCI) requires copy of OCI Card and PAN Card. For further details please contact us at: contact@nriinvestindia. com or you may checkout the website: www. nriinvestindia. comNon-residents can invest in both Primary and Secondary Markets with the help of a registered broker. These brokers offer a wide range of services warranting that the clients feel at home while making investment decisions. THINGS NON-RESIDENTS CAN DOVis-à-vis trading, non-residents today can do various kinds of trading as per their convenience. Some of them include:Online Trading (stocks and derivatives)Various brokers give you tools used by institutions and professionals for trading in the Capital Market. Many of them provide an Online Trading Platform certifying non-residents to transact paper-free trading in â??Equities and Derivativesâ?? segments. Such Online Trading System provides the most distinct services like Streaming Market Watch, Technical Analysis, AMO (After Market Order), Online Funds Transfer and NRI Online Helpdesk facilitating you to have a pleasant trading experience. Offline TradingAs said earlier, brokers, today, allow clients to place orders for trade through phone, email and/or fax. Mutual Fund InvestmentsNon-resident can invest in Indian Mutual Funds with the help of registered distributors or brokers. Some of them also offer simplified process that is free of all paperwork. These distributors also provide updates on the latest top funds, NAV, and new fund offer. They also provide performance report of various funds to ensure smart investments are made in the Mutual Fund segment. Investment in Initial Public Offer (IPO)Investors can make paper-free investments through select brokers in the Primary Market â?? Initial Public Offer (IPO). Various details such as current and upcoming IPOs, performance of past IPOs, basis of allotment etc are provided by them making possible for their clients to make hassle free IPO investments. ESOP TradingBy offering value added service in the form of ESOP Trading, few good brokerage houses enable clients to liquidate the Stock Option given by their Employers and remit abroad the sale proceeds or reinvest the same in the Secondary Market. Dematerialisation of Shares bought in Primary MarketUsually brokers assist clients to convert their physical share certificates to electronic form (DMAT Form). All that the client has to do is open a NRI account and submit the DMAT Request along with the necessary certificates, and your broker will take care of everything else. Important: The content above provides general information regarding how brokers help non-residents to open a trading account and let them trade. However, services and regulations may differ from broker to broker. Please check with your chosen broker for the same.