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Safe Investment Options In India Treasury Bills (tb)

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What exactly are Treasury Bills?

Treasury bills are promissory notes issued by the central government for a fixed period extending upto one year as a tool for raising short term funds from the equity trading market. They are usually issued for a discount for a maturity period of 91/182/364 days. TBs are an ideal form of short term investment for banks and financial institutions as they are eligible as securities for SLR (Statutory Liquidity Ratio) purpose. They can be purchased by any person resident in India including individuals, firms, companies, corporate bodies, banks and financial institutions.

These Bills usually do not carry any interest rate and are issued by the government at discounted value. This means that a ‘500 bill may be issued at a discount to investors for a price of ‘410. After the maturity date is over, the government will pay ‘500 to the holder of the bill. The difference between the par value at which the bills are redeemed and the face value at which the T-Bill was procured is the net gain to the investor.

Role in the Money Market:

1) A fiscal role as an instrument for raising funds for governments short term needs.

2) A monetary role as an instrument with RBI to influence liquidity in the equity trading market.

These T-Bills are issued by RBI at regular intervals and issued at a discount to face value. They very effectively serve as effective short-term borrowing instruments for the Government. Even investors benefit from the same as they can park their surplus funds in these instruments and considerably reduce their market risk.

FEATURES:

1) One can purchase these shares for a minimum face value of ‘1 lac and there is no fixed ceiling on the maximum amount of treasury bills that can be purchased from the money market. The rate of interest is determined by market, based on demand for and supply of funds in the money market. Moreover these treasury bills are highly liquid instruments giving offering attractive yields to investors

2) Treasury Bills as an asset class have been approved for SLR (Statutory Liquidity Ratio) purposes and DFHI (Discount and Finance House of India) is the stock market leader in such instruments. The bills are the only security in which the repurchase option (Repo) or ready forward transaction are permitted. This is the most important instrument for hedging against volatility in call loan market.

So after analyzing these points, you can yourself see that TBs are all time favorite for those who want to play big in stock market. Since the minimum investment amount is ‘ 1 Lac therefore, it becomes a niche investment option too. But even big players sometimes loose in stock market, therefore its the perfect investment option for them too.

Brief Notes About Some Frequently Used Online Advertising Terms!

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We frequently come across various terms in online advertisingsuch as Adserver, Adserver India, Publishers, Online Publishers etc. In this article, brief notes about some of the frequently used online advertising terms are explained.
What is Adserver?
An Adserver is a computer web server that stores ads which are used in online marketing. The purpose of an ad server is to deliver the stored ads to website visitors. The content of the web server needs to be constantly updated so that the webpage (on which the ads are displayed) contains new ads. Through ADSERVER INDIA, larger websites have a third party company who organizes where their digital advertisements (banner ads, viral ads etc) will appear, the number of times the ad displays will appear and for how long. To put it in a nutshell, a digital company which serves the online ads to a particular website or websites is known as Adserver.
Importance of Adserver
ADSERVER INDIA facilitates those advertisers who do not have time to go to other websites to display their ads but would like to place their ads in renowned websites. An ad server also helps in determining the ROI for an advertiser on a particular website by performing various tasks such as counting the number of clicks/impressions for an ad campaign and generating report. Adserver is of two types- local ad server and remote or third party ad server. A local ad server is typically run by a single online publisher which serves ads to that publishers domains. Remote ad server serves ads across domains which are owned by multiple publishers.
What is online publishing?
To publish means to distribute. A writer publishes his book from a publisher to distribute his work amongst his customers. Likewise, online publishing enables brand owners to distribute their brand communication (in the form of adverts) amongst the target customers.
Importance of Publishers/ Online Publishers in online advertising
By publishers in internet advertising, we refer to those experts who publish the various online ads such as banner ads, viral ads etc on behalf of their clients. The importance of online publishers is equally important as the publishers of books, journals, magazines etc. Any internet advertising campaign cannot be deployed without the help of online publishers. In brief, Publishers from the perspective of online advertising are those professionals who provide online services, products and advertising solutions to its clients.

Retail Stores Closing

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Retail Stores Closing

Introduction Numerous companies have filed for bankruptcy, and thousands of stores across the United States are closing and liquidating their merchandise. Below follows a list of the chain stores and the extent of their closings for 2009.

Payless

This quarter 33 stores have closed and the company has announced that in the fiscal year of 2009, 143 more are anticipated to close

Zales

In the last quarter alone 118 stores have closed and 191 in the fiscal year 2009, 160 of which were stores and the remaining 31 were kiosks.

Blockbuster Video

Blockbuster has announced that they may close up to 20% of the stores before 2011, which is in between 810 and 960 stores.

Smith and Hawken

All of its stores are being closed down

Crabtree & Evelyn

The company has filed for bankruptcy and has announced that they will be closing stores in the near future.

Big 10 Tires

They have filed for bankruptcy and they have requested release from their leases on 32 stores.

Bank of America

The number of branches will decrease by 10%

Citigroup

The number of outlets will decrease and will be limited to the largest metropolitan areas in the U.S.

PacSun

40 of its 916 stores are going to close

Bulgari

Stores have already closed in Florida, Colorado, and New York, including its Madison Avenue store.

Sears and Kmart

28 more stores will be closing in 2009 in addition to the many that have already closed.

Samsonite

The company has filed Chapter 11 bankruptcy and will be closing 83 of 173 stores.

Waldenbooks

The bookstore is part of the Borders Group and will be cutting its stores down by about 80%, from around 300 stores to 50 or 60.

Jo-Ann Stores

The company is undergoing reorganization and plans to open 20 new stores while closing 30 stores.

Rite Aid

The company has said that they will close up to 117 stores in the coming months.

J. Jill

Owned by Talbots, about 75 stores will close and the remainder will be sold to private owners.

Jones Apparel

First quarter profits were down by 98%. In response, they will shut 20% of stores, around 225 stores.

Whataburger

This year 12 restaurants in Florida have closed due to low sales.

Advanced Auto Parts

The company has announced that there are 55 unprofitable stores and they will close 40 of them.

Advance America Cash Advance Centers

60 centers have closed and 130 more are set to shut down

Ruehl Stores

Owned by Abercrombie & Fitch, all of the 29 stores will be closed.

Boaters World

Parent company Ritz Camera Centers suffered major loses due to the switch to digital photography and will be forced to shut down all 129 Boaters World stores

Small Business Digital Marketing Strategy

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At this time, even at this particular moment, Small Enterprises have a economic system where they have to adapt to be able to thrive. Or, more appropriately, to even keep their doors open. If you’re among those business people that think:

“My company won’t take advantage of being online.”

“I have to be online, however i don’t understand how and i also don’t possess the time.”

“These new trends (like Facebook and twitter) aren’t here to remain; I won’t be worried about them.”

“Who cares about Google? I don’t have to be listed and ranked inside.”

and thus a lot more…

…You will want to read through every word in this article.

The company environment has shifted and also to reach your clients and target market, at this point you have to go to where they may be: online. This scares most business people given that they do not know how that’s done. And that’s what I’d like to speak to you about today.

At Green Apple Sales, we realize how it’s done and also have helped numerous businesses take advantage of this potentially exponential growth by tapping in to the digital marketing strategies which are making and breaking businesses at this time.

Solid Web Presence

You understand how inside a mall, for instance, people come there simply to walk around and check out stores and when they enjoy the appearance of one they stop in? The concept behind this really is that stores in malls are positioning themselves to become subjected to all of that “mall traffic”… They’re putting themselves before individuals who may be curious about the things they have. Sure, not everybody that would go to the mall stops at each store, but each store will attract a target crowd.

Essentially, that hasn’t changed using the rise from the digital business marketplace; however, the way you position you to ultimately your target crowd is becoming more challenging.

To get an effective web presence, you need to optimize your website so it’s among the first sites that’s displayed whenever your customers look for you in the search engines (or even the other major search engines like google). This is known as Seo (SEO), which I’ll be covering very in-depth inside a later post.

Digital Marketing Plan

After you’ve established your website and also have it ranked in the major search engines using SEO, then you need to concentrate on other ways of driving targeted traffic to your website. There are plenty of ways to get this done, and every one strategy – if applied correctly – could be a lead-generating powerhouse for the business.

Hitesh Sahni loves helping startups and small businesses build traffic, grow customers and generate profits through digital marketing solutions

Jobs in the Music Industry

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Everyone loves to be a part of the “in” crowd and lets face it yall. Being in the music industry is about as “in” as it gets. Most of the jobs in the music industry put you close, at least in some way, shape or form with the people that your peers consider to be icons and a hero.

There is nothing finer than actually making money at a job that you actually love as opposed to standing on an assembly line watching the same part go by hour after day after year.

Jobs in the music industry can range from the retail sales ends, to the production end, to the creative department to performing or the business end and there is a lot of jobs in between those stops. There is a good chance that no matter what it is you like to do, there is a job in the music industry that will allow you to do some form of that job and eventually get paid to do it.

You need to seek out jobs in the music industry at local places and you can check the World Wide Web at locations like myMusicCircle and see what kinds of jobs are there that you can start at right away so that you can begin building and diversifying your skill set. Because the music business is first and foremost, a business and that means that the more skills you have the more valuable you will be. And we all know that the more valuable you are the more invaluable you become and the easier it is to find the jobs that you ultimately want.

If your end goal is to be a producer, you can start by offering to mix local bands live at their show for free or beer. Youll get the basic skills and then move one. A lot of what you might do at the beginning is mundane and wont pay you very well if at all. You need to keep you eye on the brass ring and the goal that you have set.

Many of the people that are very huge icons in the industry got their first jobs in the music industry doing things like taking out the trash at a studio or helping as a gaffer that set up for the sessions. All of this is networking and making contacts of people that can help you or hurt you down the line.