Tag Archives: MARKETING

Empowering Authenticity: How Plagiarism Detection Fuels Ethical Digital Marketing

With the advent of artificial intelligence and the rise of the internet with the faster internet there is lots of data flow which can be misleading and there is a very marginalized difference between original content and duplicate content. Most plagiarism checkers are paid only or are limited only to a few words which is not suitable for longer articles. Most of academic information are available in internet and one can easily find it and modify it and then can demand that his or her content are original only but in realities that can be combinations of many papers of the similar subject.


So, there is demand for plagiarism checker tools as most of academic papers and corporate articles demand large amount of plagiarism detection tools which does provide importnace of education and real talent search instead of talents such as that from palgiarism content writers otherwise within these the real talent will not prosper at any point of time. Also if these plagiarisms trends are not checked properly then real talents will not prosper as some one will plagiarise others content with some deviations and on the right side the real talents will not prosper and will fail to find the real possibilities of developing real content. If companies and corporates did not look for these then in the long run corporates or individuals can face copyright infringement acts, law suits, damaging brand values and other implications and for this it is important to have proper plagiarism detectors so that companies will not face such difficulties in the times ahead.

Direct Plagiarism–


When some one copy paste different parts of an entire academic words and by leaving some other parts of the article. So it is called direct copy paste technology or direct plagiriasm and without altering any part of contents.

Self plagiarism-

When an author published his work published at some very time, and then rewrite such the same work in some other content publishing and same content published with some other writing ways but both the contents provide same inferences.

Mosaic Plagiarism-

When someone creates content from different social media sources without providing real credits to and when article published. In internet you can find various ways to find out a mesmerizing headline and even there are many article rewriters which can change entire articles to a completely new one and in this way one can steal the credit of authors who are original writers.

Accidental Plagiarism-


Many a times when authors try to write some thing without intentionally copying from real content as the result of this not providing credits but this is unintentional but still there are chances of copyright infringement and this is called as accidental plagiarism but if these are scanned in plagiarism detector tools then it will show plagiarised content and company also while checking these articles should also see whether these are of accidental plagiarism contents or these are direct plagiarism. So where can we find the authentic work and finding how these works is the real difficulties.


It is important to find out real content in academic matters as it is important to find out academic misconduct and find out the real authentic writings and for this there are many plagiarism detector checker tools such as Grammerly, CopyScape to find out plagiarisms checker tools. In this way miscrepancy within articles can be found out in depth and merits of students can be reached out in complete detail. In order to do away with these problems it is important to create awareness among students to go for authenticity instead of going for plagiarism.


On the other side teachers with plagiarism detector tools can refine the course submitted by students can be refined through authentic write up and moving out the plagiarism checkers. Also with the help of plagiarism checkers students know how to provide proper citations when you include parts of outside articles inside yours write up so that it will not be ever be questioned in terms of law or other copyright infringements. Also, by using plagiarism detector tools institutions alert students about how not to write plagiarism contents instead write original non copyrighted articles.

In other words, it encourages students to write newand advanced articles with plenty of innovation so that ultimately they will go for completely newer solutions which will work to enhance careers of students in the years ahead. Now we can move the impact of plagiarism detector tools in the professional world.

How to Protect your organization from plagiarisms


In professional worlds where many money flows for improving brand qulaity and equity it is important that companies must invest on plagiarism checkers inside organisation capacity in order not to face legal risks and ways to protect intellectual property rights. it is important to go for businesses to safegaurd businesses from intellectual property rights from other competitive organisations. This is to be taken seriously otherwise it can cost your companies a huge sum of money and in addition defamation which reduces brand equity.

It is important to safe and secure reputation of brands. One needs to know that we are in the age of internet marketing otherwise called as digital marketing. So, in this age if you go for plagiarised content then there is every chance of getting caught in internet world. So, it is important to go for authenticity so that you will never face any infringement or face any legal issues. Most search engines go for unique content and if yours website have unique content then there is more chance of it being indexed by search engines in its first pages. It is otherwise called the technique related with search engine optimizations which can otherwise for free can bring company’s website to forefront without spending any money for promotions and advertisements.


So sole mantra for search engine optimisation is to produce unique content. Search engines have various important tools to detect any plagiarism contents. So, it is important for organizations to know that search engines do provide huge number of advertisements for organization in completely free ways, so it is important to go for real content so that organizations should go for real and authentic content in order to stay in the higher echelons of search engines so that automatic free advertisements of your organizations can be easily depicted through search engines.


Organisations must endure to prodcue real content so that it will attract search engines to show yours website in the first row of search engines and for this it is important to find out important keywords that relates to yours organisations and then write authentic content that relates with keywords so that search engines can recognise these content and so to users and provide free advertising if yours organisations. It is extremely important to go for completely authentic content.

Understanding the Fundamentals: A Beginner’s Guide to Capital and Money Markets

SEBI Reforms:

1. SEBI has brought in reforms in the form of improved disclosure standards, introduction of prudential norms, simplified issue procedures, transparency by way of disclosure of all material facts and risk factors etc.

2. SEBI amended the Listing agreement of the stock exchanges to require listed companies to furnish annual statement to the stock exchanges showing variations between the financial projections and projected utilization of funds in offer documents.

3. It has introduced code of conduct for advertisements for the public issues. This ensures fair and truthful disclosures by the issuing companies

4. SEBI has started the process of prosecuting companies for misstatements. It has directed a few companies to refund the application money also.

5. It has also introduced a system of penalty points for Merchant Bankers for defaults committed by them. This ensures prompt/proper conduct of the Merchant Bankers too.

? SEBI permitted private mutual funds to be established and many such mutual funds have been set up.

6. Capital adequacy requirements for brokers have been introduced

7.SEBI has advised all stock exchanges to develop surveillance system by advising all stock exchanges to have their own surveillance departments.

8. SEBI made electronic trading possible in 1994, and Demat accounts were introduced from 1996.

9. Brokers were brought within the regulatory frame work in 1995, by the concept of dual registration, compulsory audit of books and compulsory filing of the audit report with SEBI.

10. Insider trading was totally prohibited. It is made a criminal offence punishable under SEBI Act.

11. SEBI can take penal action directly against any member of the stock exchange for violation of SEBI Act.

12 SEBI introduced T+2 rolling settlement cycle to push the Indian bourses ahead of most developed markets vis a vis trading and settlement system.

14 Elimination of leverage trading on the stock market (2001) and introduction of derivative products are some other reforms.

In case of violation of SEBI (Disclosure and Investor Protection) guidelines, 2000 and in the interest of the investors SEBI may,

? Direct the persons concerned to refund any money collected under issues to the investors

? Direct the persons concerned not to access capital markets for a particular period

? Direct the stock exchanges not to list or permit trading

? Direct stock exchanges to forfeit the security deposit

? Initiate action including suspension or cancellation of certificate of registration of any intermediary who fails to exercise due diligence or who is alleged to have violated SEBI guidelines

Debt Market:

The debt market in India can be classified into Government Securities market and Corporate debt market. The Govt. debt market is dominated by the debt issued by the Central Govt. The outstanding issuance of marketable central Govt. debt as on 31 Aug 2003 stood at Rs.7,60,000 crores and that of state Governments stood at Rs. 1,65,000 crores. Reliable information on corporate debt market is not available. However, it is estimated at Rs.2,00,000 crores, which is mostly issued by private placements, which by its nature is unregulated. The corporate debt securities are issued by top rated corporate entities, public financial institutions, banks and by state owned enterprises/entities issuing guaranteed bonds. The primary debt market is dominated by Central Govt. securities. In the secondary market also, volumes traded on Govt. Securities on a typical day would be around Rs.8000-8500 crores, while that in the Corporate debt would range from Rs. 500-600 crores. The common instruments in the debt market are: Corporate Fully Convertible Debentures(FCDs)/Party Convertible Debentures (PCDs)/Non Convertible Debentures (NCDs)/PSU Bonds/Zero Coupon Bonds/Deep Discount Bonds and Gilt Edged Securities etc.

Regulations in Debt Market:

The Public Debt Act 1944 provides the framework under which government securities can be issued and serviced. Under the Act and as also under the RBI Act, 1934, RBI is the sole manager of Govt. Debt. As a debt manager for both Central and State Govts, RBI deals with the issue, servicing and repayment of the Govt. Debt.

SEBI regulates the corporate debt securities, while private placements, which are made under Section 67(3) of the Companies Act, 1956 are largely unregulated. The amendment to the Securities Contract Regulation Act 2000 clearly delineates the division of regulatory responsibility between RBI and SEBI.

Secondary market trading in government securities is mostly over telephone. Banks, Primary Dealers and FIs are allowed to use only BSE,NSE and OTCEI members as brokers for dealing in government securities as per RBI guidelines. Forward trading in government securities is not permitted, however, repos in government securities are allowed as per RBI guidelines as long as repos are between entities having SGL account with RBI and the trades are settled through such accounts . Of course, this includes settlements through the Clearing Corporation of India Ltd (CCIL). Uniform accounting norms were introduced for repo transactions which ensure (i) that the legal character of repo under the current law, viz., as outright purchase and outright sale transactions will be kept intact and (ii) the book value of the securities remain unchanged post repo. RBI guidelines require banks to actually hold the securities in their accounts before they can sell the securities. Hence same day sale of purchased securities is not allowed except those allotted in the primary auction. Where SGL facility is available, settlement has to be only through SGL account and no brokers are allowed to be used in the settlement.

Regulation of Investments by Banks:

RBI regulations for investments by banks is furnished below:

  1. Investment Policy: Banks are expected to frame and implement a suitable investment policy to ensure that their operations in securities are conducted in accordance with sound and acceptable business practices. While framing the investment policy, the banks should bear the following aspects in mind:

i) It should not hold oversold position in any security

ii) All transactions put through by a bank should be settled on the same day or on the next day unless the transaction is through a NSE broker in which case the settlement is T+2. All transactions on the bank’s own account should be settled through SGL.

iii) Return of SGL form for want of sufficient balance in the account must be avoided. Three times SGL bouncing in a quarter makes them liable for stoppage of SGL facility. Further Readings: Economics Discussion , Sebi.gov , Study mode

Marketing strategy towards baffling Economy

The aim of dealing — meeting place — arrangement recognizing and responding to priorities dressing ascendent your dominate spendings. More so than ever, it is about reformist grouping what they poorness when and withal they substantive it. ‘ authorised someones penury to be in edit — asked, not told. elasticity them what they necessary and you’ll be rewarded.

in a frugalness, your consumers’ priorities and necessarily alter as compartment. They figures or differently – to cover for the stringent efficiency and their necessarily area unit dynamical at each system curveball. however can you read what they will call for when they themselves ‘ fated? abstract thoughts can be wildly away, but companies that arise out on surpass area unit those WHO proactively inclination evolving consumer . monetary funds get contract, someones and businesses will meat protection on luxuries.

But first necessary be ME. positive, some will sub littler,- less dear luxuries .ogically finished their of oppress defrayment and frown programs; and accurately hypothesizing which replacements will force more dollars.What take places when masses staleness apply more monetary system each workweek toward boast or great mental object costs and fluid financial gain stops? payment geological formations, importantly on luxuries. This implementation few trigger offs to the . The playgrounds will assort a change in force, which mean few orders.What exchanges will those users turning to for complete and injure deal?

The business enterprise of mercantilism — assembly necessarily — instrumentation recognizing and responding to priorities patch dominant your possess expenditures. More so than ever, it is about liberal citizenry what they impoverishment when and however they essential it. nowadays’ authorised users need to be in alter — asked, not told. springiness them what they requisite and you’ll be rewarded.

You can cerebrate implementation to modify that psychological feature. effort the users and consumers tortuous is the simply share to real be intimate what will create from raw stuff. get consumers and users embroiled is direct analysis and quantifiable investigate. consumers now, nonetheless, like to be in more pointed verify of the event or care they incur. a cooperative chopines that bring abouts users conjointly for the uncastrated result usage appendage, to the signification that consumers in reality modernise the consequences . discernment users’ dynamic necessarily and deed them entangled in the cognitive process of adequately fulfilling those of necessity — then you will never be at a departure for flora opportunities.

Cash-On-Cash Return and real estate marketing

During the regime of Margaret Thacher in the UK pioneered the concept of disinvestment in real estate. Then this concept spreads through America then to China Singapore, Japan, South Korea, Taiwan, Brazil and now to India. Then new economy of Canada and Mexico as a result of North American Free Trade Agreement (NAFTA), has opened up new revenues and avenues for reality business there as well.


A rate of return often used in real estate transactions. The calculation determines the cash income on the cash invested. Cash-on-cash return would measure the annual return you made on the property in relation to the down payment.


Cash-On-Cash Return= Annual Dollar Income/Total Dollar Investment


When a decision is made to involve the private sector in the provisioning of housing and infrastructure, there are various options and procurement rules there to be followed. It is important for private sector because the procurement route defined will be responsible for various crucial aspects. Housing is the basic need for humanity and the challenges embedded within it can be a through housing research. Cash on cash return in real estate investing in real estate industry can be aptly classified basically three broad categories. Mega privatization, macro privatization, and micro privatization. Mega privatization brings the catalytic influence to the life of the citizens which ultimately helps the other tow categories.


Cash on cash return in real estate investing is must for the investor and its success depends upon de bureaucratization ,internal privatization contracting out, Greenfield privatization , franchising , cold privatization corporation ,divestiture , re privatization ,liberalization, deregulation , rolling privatization and distressed privatization. Cash on cash return in real estate investing depends upon the above described factor. Cash on cash return in real estate investing depends upon various market forms and then the investor can take advantages with it by following some prescribed customs and traditions.


Observe the changing of the competitive private market from absolute state monopolies. Change to private production run from purely government production run. Change to consumer payment from government subsidy. Change to unviable form viable category of items. Change to non merit from merit categories of items. Change to profit making from loss making. Cash on cash return in real estate investing can take advantage by investing in this market scenario.


Look for the organization or public entity where quick decision making, carrot and the stick method, government bars the competitive advantages, incentives from the government and the real estate, hire and fire method , share holders and investors must be the partners of the business ,and the motivation factor and good communication to investors is available.


Cash on cash return in real estate investing can be used to one’s advantage by following some procedures like avoid imperfect communication and out dated information from the organization , observe the frequency of transactions in housing by individuals, asses the every unit of the real estate organization separately as need based , observe the variance of pricing ,the purchasing opportunities , minimize use of subsidies ,leverage financial resources , scope for innovations , a provided target safety net for the investors ,tax incentive to housing and urban link investments , mass media for public opinion, privatization in administrative control and procedures , consultancy services and special court for dispute redressal and settlement then decide whether to invest it or not. If you already have invested in the real estate organization then these points can be examined if you want to know the real health of the organization.\


No single modalities of cash on cash return in real estate investing are free from fault. Since the individual investor can play a significant role so the emergence of stronger individual investment should be supported.

Sources and Referrences:

1.https://www.wallstreetmojo.com/cash-on-cash-return/

2.https://corporatefinanceinstitute.com/resources/knowledge/finance/cash-on-cash-return/

3.https://www.investopedia.com/terms/c/cashoncashreturn.asp

Simple And Practical Marketing

let me give you a lively recall of a recent incident of a medicine retail dealer helping me in a manner none of my friends and relatives could help me for about half a decade till then.


My requirement was the regular supply of a particular tablet of meagre cost which remained unavailable for all these years, though i had tried at every retail outlet relentlessly through self and through others, being contented with the substitute thereof which hardly gave me the comfort of the originally prescribed tablet.


iIwas not at all a customer of the new retailer i visited and my approach to him was only incidental and casual as i had made it a habit to ask every medicine shop i visited over the years hoping against hope to get the supply.


The man immediately greeted me gleefully as i rushed to his shop and offered me help despite heavy rush of customers and contacted a number of dealers and whole- sellers across chennai and delhi spending his most valuable and scarce time on a trivial transaction.

Which was a loss for him so far as the cost factor on mobile bill was concerned. but after 35 to 40 minutes of hectic trial, he seemed like hitting the jackpot as inimitable and winning smile played across his lips. he asked me to kindly give him my cell phone number.

So as to enable him to contact me as the consignment arrived. indeed, the consignment arrived on the third day and i collected the booty on the third day itself without any extra charge for postal expenses which the retailer bore.


This was a very simple marketing strategy by the retailer which fetched him a new customer whose full loyalty is assured for him as i have decided to stay his customer for ever.


This for me is an education on customer service and a very practical and highly effective one as a single help by the retailer could shatter my brand-loyalty of four decades as i vowed to become a loyal customer of the new dealer.

Second hand Computer Hardware Marketing Strategy

In every business two classes of products exits. One is a tangible product and the other one is the intangible product. In computer hardware service and repairing industries, the tangible part has the same importance and significance as that of intangible products.

Tangible products come up with pricing front whereas the intangible product comes up with service standards in creating and augmenting local brand identities.

The local computer shop does not merely creates the assembly of product categories but also it does provide one of the most sophisticated forms of creating one of the simple and smoother computing solutions.

They can repair any brand of computers with ease as well as can provide the real software such as formatting computers and installing Windows and Microsoft Office without piracies.

On the second font their performance after repair roo comes up with some degree of guarantee and that can provide users with too much dependence on these shops so that ultimately they would find the real and straightforward personal computing experience. Once the computer is repaired and then the user sees that it runs for more days without any disturbances.

Then comes the second hand, marketing of parts and accessories where, even there are some sub-dealers, from remotest parts where they open the computer repairing shops, and then they receive computers, to be repaired and then they took those computers to computer repairing shops, which is at the centre and then they get repaired there, and then charge more money from the people but those people who could not come to the centre or to the capital, then they get repaired it at last, even though with some high amount of money.

Suppose some part of the motherboard get corrupted, and the person is at the remotest part and there is a small shop out there, and they receive the product and then the shopkeeper goes to the capital where they knew that these parts could be repaired easily and then they charge heavily, on the customers, and in this way, parts are repaired and then they charge heavily for this.

For customers, the amount of satisfaction lies with that of, receiving the product with good quality and that makes running of the business and their subcategories move to the most prominent parts.

Even these well-known products do provide, more and more and sophisticated products and even after the sale of these products do justify and provide more and more and stringent and pertinent product satisfaction for this.

What it makes it further provides ample earning opportunities for people in middle segment so that ultimately, it does provide one of the most outstanding forms of earning as well as it does provide one of the most wonderful indications of how the people should be learning about it and jump over all of these mid class segmented persons so that they could spend less money for repairing.

These second-hand computer repairing industries are so versatile and gigantic that even there is good computer mechanics always find themselves at the most vibrant and most dynamic pay scale when they repair computer to its best of capacity.

Most of these sub-dealers tend to replace the original hard discs with the second-hand hard disks so that they would get the sum of the original hard disc instead of the second-hand hard disc and cheat the customers.

Most of these shops tend to cheat the people who are mostly from smaller towns out there and then they tend to take the money of original hard the disc but replace it with older hard discs.

Due to not so knowledgeable about these products computer related problems and accessories most of these shops tend to take the advantage from the people about it.

That is why it is imminent to go to shops that are good and that are located mostly at the bigger cities of the state and that becomes the centralised shops for most of these sub shop owners and it is important and pertinent to go to these shops directly without wasting any time and move to sub shops.

Recently, my Samsung laptop becomes out of order and for this I contacted the Samsung service stations and they told me to reach out to the Cuttack shops and I reached there with my laptop and there the head of repairing department comes up and he was from my native town of Puri and he said that I should not be replacing the motherboard which would cost a huge sum of 19,000 India rupees. This is almost the same price as that of buying a new laptop.

Then, he told me to move to another private computer repairing shop, which is famous and it is most famous among the small computer shop owners who always reach out to these shops to repair the computer for their customers.

In this way, I came to understand and know about this shop and subsequently I approached that shop and he replaced and repaired motherboard with the paltry sum of 2500 Indian rupees.

The main aim of this is to let the reader understand sometimes by approaching such shops we can repair the computer with lesser costs and there has been some sort of brand names for these shops too.

That is why it is pertinent to search for such shops and then do bookmarked with your address books. These will come to your rescue time and again and this is important to take such decisions.

Most of these shops which do work best for your computers as well as provide some degree of pricing comfort and when you deal with these shops regularly you could find plenty of bonhomie with these shops and that makes running and dealing with these shops more comfortable than that of initial times.

As a regular computer user one needs to understand and know how the running of second hand computing market and for this, it is imminent to follow and know and then move towards it in order to find the real meaning and find out the niche marketing gimmicks of it.

This article should convey about how to find the real mechanic shop and these must have been nearer to the local destination and you should find these shops at first hand so that when there is the need for it you should go to these shops without any delay and do not go to the shops, which only acts as local mediators and in turn demand huge sum of money from you.

That is why it is pertinent and important to understand the series of developments that have been going on and find out the real shop which is closely located to your locations.

Sources & References:

[1] http[:][//]www[.]marketing-papers[.]com[/]international-marketing[.]html

Originally published at mohanmekap.com on October 5, 2018.

3-Pillar Approach For Risk Management: Credit risks and market risks

Banks face three major types of risks: Credit Risk, Market Risk, and Operational Risk. Banks are in the business of accepting deposits and lending: they operate mainly with depositors’ funds. Unfortunately, not all the monies lent, and the interest due thereon is recovered.

Credit Risk (CR)


The borrower may default in his obligations to pay periodic interest or the principal sum or both as per the terms and conditions governing the loan due to the occurrence of one or more of credit loss events e.g. he may suffer the loss in business and become bankrupt or he may simply refuse to pay. The banks’ actual returns on their average outstanding in the loan book, almost always, turn out to be lower than the contractual rates applicable thereon. Banks are also required to periodically write off loss assets or accept less than 100% of the money lent or interest accrued thereon as part of a compromise deal.

The interest actually collected is thus required to be adjusted to absorb losses incurred in the shape of loan write-offs to calculate Risk Adjusted Return on Capital (RAROC). Needless to mention, if a bank’s portfolio of loan assets contains a high percentage of NPAs, it cannot earn enough interest to meet its costs of operations including write-offs; it may also not be in a position to meet its obligation to its depositors.

Hence, much attention is being given to the management of Credit Risk. The concept of RAROC, i.e. Risk Adjusted Return on Capital highlights this aspect and helps bankers price their loan products appropriately, based on past loan loss data, so that they can earn enough interest to take care of the expected delinquencies.

Apart from transaction risk or the risk of default as described above, credit risk may also arise due to high exposure levels or concentration of a particular business activity in the loan portfolio or severe debilitating impact of area-specific developments on a concentration of a particular type of industry in a geographical location, or simply the failure of the counter-party to fulfil its part of a trade transaction because of adverse changes or non-materialisation of the assumptions made by at the time of entering into the deal.

Conventional CR control measures include sound and scientific appraisal and assessment techniques, including fixing of individual and group exposure limits, as well as proper post-sanction follow up. Banks regularly use Financial Analysis and Credit Rating Models, or the more sophisticated Credit Scoring Models to take a credit decision such as how much exposure they will be willing to take on a particular firm/group or in a particular industry/business. Banks also prefer to have standard Credit Risk mitigating measures in place e.g. Credit Enhancement in the form of institutional or personal or third party guarantees, mortgages, charge on inventory, receivables and machinery etc., as well as the pledge of securities, shares and other valuable assets.

The feeling of being a secured creditor lends comfort and forms an important part of the conventional CR management. Similarly, the creation of Trust and Retention Accounts, as part of an Escrow Mechanism, provides some degree of comfort in revenue earning infrastructure project.

We are now increasingly hearing of the use of hedging techniques like Credit Derivatives where returns on loans or the value of advances or both are being guaranteed by a third party for a fee. Interestingly, some of these products display the characteristics of Asset Securitisation in offering the facility of “Off-Balance Sheet Financing” thereby helping in reducing the need for economic capital.

Banks have to apply specific risk weights to different categories of risky assets to calculate the needed amount of risk capital to meet Basel Committee norms on Capital Adequacy. The CAR (Capital Adequacy Ratio) acts as a limiting factor for the size of Balance Sheet, preventing a bank from acquiring too high a portfolio of assets without adequate risk capital. This, however, in no way reduces the need to take extraordinary care while sanctioning and handling new loans.

Market Risks (MR)

Market Risk may be defined as the possibility of loss to a bank caused by the volatility in market variables. MR covers the interest rate risk, exchange fluctuation risk, equity price risk and commodity price risk. Banks also usually include Liquidity Risk in Market Risk, because liquidity is essential to manage Market Risk.
In the course of their normal business, bankers sometimes become holders for value in respect of valuables like foreign exchange, securities (stock), commodities or goods, or futures therein. Bankers also sometimes acquire positions to engage in what is known as proprietary trading.

The market value of these assets experiences volatility, sometimes very wild volatility, which may bring in a large bonus, in the shape of a huge windfall. However, even if such acquisitions are made after scientific appraisals, predictions sometimes do go awry, leading to an unexpected fall in the value of the assets held.

The larger the value of such assets and the greater the observed volatility therein, greater is the Market Risk embedded in the balance sheet. Forex dealers avoid such risks by keeping nil or minimal open positions in foreign currency and by obtaining forward cover. Dealers dispose of securities, wherever possible, by keeping track of expected movements and by implementing cut loss limits.

Interest Rate Risk is a part of every banker’s regular worry. The PLR, on the basis of which the rates charged to borrowers is usually fixed, is normally aligned to the Bank Rate, whereas the deposits may be repriced on the maturity dates based on LIBOR or MIBOR.

This approach of adopting different bases for deposits and advances gives rise to Basis Risk. In the case of a fixed interest rate contract, interest on the existing deposits is paid at the contractual rate for the term of the deposit even if the rate falls and banks have no option to force either pre-mature repayment or reduce the interest rate.

On the asset side, in the case of a fixed interest rate loan, borrowers demand a rate cut in a falling interest rate scenario; else they may shift to another bank if there are no significant pre-payment penalties. Thus, the average cost of deposits falls much more slowly whereas interest earnings on loans start falling immediately on the announcement of a rate cut, thereby affecting Net Interest Margin.

The risk of loss of earnings on account of the option of premature termination of the contract being with the depositors or borrowers is called the Embedded Options risk. The banks may hedge this form of interest rate risk by swapping, say, fixed-rate loans with floating rate loans, to reduce the volatility in their earnings.

Another less appreciated impact comes from the inverse relationship between interest rates and the value of portfolio investment. When the market rate of interest falls, the sale value of fixed coupon securities in the portfolio goes up, representing capital gain.
Since banks in India usually invest almost 50% of their funds in Government securities, they rake in the moolah when the interest rates move southward, but they have to be aware of the catastrophic impact on their profit and loss account in the event of interest rates hardening. Banks employ several risk indicators including Value at Risk (VaR), which indicates the downside risk in the event of interest rates going up by 1%.

Liquidity Risk arises in a situation where a bank is likely to be short of liquid funds at a critical juncture, to meet its maturing obligations or expected/ unexpected demands from the public for cash or to meet its CRR obligations.
Liquidity Risk may have serious implications. Those who do not have the needed liquidity because their funds are locked in illiquid assets, which can be converted into cash only at a considerable loss, find themselves in a quandary when the market offers wonderful money making opportunities.

Much of the ALCO’s time goes into liquidity planning, setting guidelines on the basis of “ GAP “ analysis in regard to acceptable risk parameters (which affect the ultimate size and composition of the bank’s balance sheet) as well as the maturity structure of assets and liabilities, and whether the bank should go in for interest rate swaps, and also whether it should consider “off-balance sheet” financing to reduce the need for economic capital. Decisions on the pricing of all deregulated products – both deposits and loans, is the prerogative of the ALCO.

The Basle Committee has proposed, in its 3-pillar approach for Risk Management, that risk capital for Market Risk should be separately provided for.

Sling box interesting concept needs more marketing

It is a media streaming device that ca work with high definition devices as it is very much useful as we are living in the era of high definition and such device could provide more than useful functionality. The design of this device is something very usual and imparts wonderful visual enterprises to the notices of this writer. It can stream video contents or the recording content from yours set to devices with very much ease of use with very less critical functionality and it is a very easy to sue a glad to the user to enter into its functionality. It can stream the video content from yours DVD devices with very much of ease of use and it can then run it to any other device which is connected to it. With very much ease of use you can stream the content from yours DTH or from yours DVD devices to yours laptop and desk top and then record it and then you can use it or reuse it or can record it on any other offline mode to save it to see for then later use.

If you can wish to use it in yours network settings or environment the you can easily use it as it can give staggering 1080i HD video streaming over the network. Thought it has no support for the wireless LAN capabilities as the required port is not there , it ca add it in the alter updates as it is the prime function as sooner or later every office automations system is going towards the wireless way and for this the optimum use of this prospect and each and every device must support it for the sake of the user so much so that every thing ca be a possibility and all the available source will be on the hand of the user at the tip of the ice berg. After buying out the device, then you must have a internet connection as you will have tom go the company website and then create an account and sometimes this process is bit of jerk as it takes a lot of here and there to be signed or it may be customise for this user but the experience is not so happy.

So, it must be updated and to be user friendly as time is always the precious and the user does not want to mitigate the time in such a manner so much so that it will reach at the stage of no return. Try to use Internet Explorer or the Firefox from Mozilla and do not try to sue it on Chrome from Google as this website does not load perfectly on chrome and there have been same issue with it so it is better to sue it on the above two mentioned web browser to have the successful registration so that you will not face any brunt of not been registrations. After the log in the device is to be recognised by the website inside of yours account management so that yours device will work properly and according to this writer this is very much annoying as you will be paying for this decide at the way it used and the authentication works it seem a bit far though, the company may not be agree with my thoughts and sometimes after two to three sign in attempts yours account recognised yours device.

Apart from all these miserable effects of the sign up and then the authentication of the device the next and the later part of is of wonderful experience ad the quality of the video streaming from the DTH has been of very wonderful effect and it is been so cooling and soothing to watch the video streaming a great experience and it seems it cannot be describable as it can be experienced and it is so heart our and the cooler video effect simply cannot be describable. When you sue the remote with this device the exact remote replica will be popping up inside the screen of yours whatever the device which you re viewing it in and this is really wonderful experience an impacts a very enterprise visual experience.

This concept is very unique as per this writers knowledge may not be available any other similar devices in this category and for this the product specification becoming more and more enterprising and wonderful tom read and use it. This is soon creating the niche market and this is very important as the use of this niche marketing concept and then way it is been producing after effects and the video quality and all the other enterprising assuage has been fantastic and if it sticks with these high quality then this product future is always bright though it times the other opponents will arrive the market but the market leader will always be the innovator and here we are talking about the innovator and it is very fantastic to write on this impending imminent product which is pretty wonderful in its very wonderful functionalities.

The streaming from all the devices has been flawless and uninterrupted and even for the high definitions content streaming is flaw less and without any such interruptions and these has been fantastic. Though all these will depend upon yours internet connectivity as it solely depends upon on yours internet connectivity and if you have a good internet connectivity then this device is flaw less and it is been fantastic tom watch and see through all these video streaming including those that of the high definitions video streaming content for a very wonderful sooth and normal viewing.

The price tag is fifteen thousand as per the knowledge of the write to the latest understanding , is is a bit stiff but it can be very much useful for those who can buy this device and be remembered to have a good internet connectivity and also wile using the authentication process try to use it twice or thrice as the authentication process does a take a beating to the rod but after the usage you can have the wonderful effect of the wonderful good viewing experience and which it seems wonderful visualising phenomena to use it with. It has no monthly rental and it can work wonderfully with the mobile apps of Android, IOS and Windows Mobile from Microsoft and its recognizable device lists is innumerable so try it and make suggestions what I have seen and observed thanks enjoy.