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BSE (Bombay Stock Exchange) – Online Trading System

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Gone are the days when you needed a broker to help you buy and sell stocks, shares and make stock market investments. Through online investment you can buy and sell shares with just a few clicks of the mouse. The economic and capital market in India cannot exist without a stock exchange; there are two main stock exchanges where transactions take place; the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE). While all the major transactions take place here, there are over 20 different stock exchanges located across the country.

Online trading in India has changed the meaning of trading in the country. With no requirement for a broker, trading has become easier, faster and far more convenient than earlier days. Some of the major financial products and services offered through online trading are mutual funds, equities, general insurance, life insurance, share trading, portfolio management, commodities trading and financial planning. In online trading, the investor has to pay less brokerage as compare to offline trading. There is no need for any paperwork through online investing and the need for a middle man is eliminated. All the stock accounts are stored in a Demat account where they can be viewed.

BSE online trading was established in 1995 and is the first exchange to be set up in Asia. It has the largest number of listed companies in the world and currently has 4937 companies listed on the Exchange with over 7,700 traded instruments.

The only thing that an investor requires for online trading through BSE is an online trading account. The trading can then be done within the trading hours from any location in the world. In fact, BSE has replaced the open cry system with automated trading. Open cry system is a common method of communication between the investors at a stock exchange where they shout and use hand gestures to communicate and transfer information about buy and sell orders. It usually takes place on the ‘pit’ area of the trading floor and involves a lot of face to face interaction. However, with the use of electronic trading systems trading is easier, faster and cheaper; and is less prone to manipulation by market makers and brokers/dealers.

The BSE provides an efficient and transparent market for trading in debt instruments, equity and derivatives. This is performed through a system known as BOLT – BSE’s Online Trading System.

In the stock exchange, a key index is used to keep track of the important or the most traded stocks in the exchange. The indice used at the BSE while trading is the SENSEX and is displayed in all major portals, newspapers and magazines. It is India’s first stock market index that enjoys an iconic stature and is tracked worldwide. It is conducted on a free-float methodology and is sensitive to market sentiments and realities.

There are also indices such as BSE small cap, BSE mid cap and BSE500 to take care of medium and small companies. Furthermore, India index services and Products Limited has indices such as CNX Nifty Junior, S&P CNX Nifty, CNX 100, S&P CNX 500 and CNX Mid cap. The BSE offers 22 indices to suit a multiplicity of needs, inclusive of 12 sectorial indices. For example, the BSE PSU Index tracks the performance of the listed PSY companies and also helps the Central Government to monitor its wealth on the bourses.

The BSE has become a completely ‘corporatised and demutualized stock exchange’ through the use of online exchanges. With partners such as Deutsche Borse (DB) and Singapore Stock Exchange (SGX) it has a global competitive force. BSE has strategic relationships in almost every part of the world- Europe (DB)), Hong Kong (ETF) and Asia (SGX), prominent public sector undertakings such as State Bank of India, Bank of India, Life Insurance Corporation of India and Central Bank of India.

Benefits of BSE trading system in India for share brokers or newbies

There are a number of attractive services to empower investors and facilitate smooth transactions. Some of these include:

1) Investor Services: A range of services are offered to investors. Being the first exchange in the country to provide an amount of INR 1 million towards the investor protection fund, the BSE had launched a nationwide investor awareness program; ‘Safe Investing in the Stock Market’ under which there were 264 programmes which were conducted in over 359 cities in India.

2) BSE has an Online trading BOLT system: the online-Trading system (BOLT) facilitates on-line screen based trading in securities. Currently it operates 25,000 Trader Workstations which are located across 359 cities in the country.

3) The BSE has the world’s first centralized exchange-based Internet trading system – BSEWEBX.com. This system helps the investors anywhere in the world to trade on the BSE platform.

4) The BSE has an online Surveillance system (BOSS) which monitors on a REAL-TIME basis the price movements, the volume positions and members’ positions as well as real time measurement of default risk, generation of cross market alerts and market reconstruction.

5) The BSE has a training institute – known as the Bombay Stock Exchange Training Institute (popularly known as the acronym BTI).The BTI imparts capital market training and certification; in collaboration with a number of reputed management institutes and universities. There are over 40 courses to choose from on different aspects of the capital market and the financial Bombay Stock Exchange market.

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Source by Monish P Kumar

Views: 0

July 26, 2022
Why Is Medical Coding Essential in Healthcare?

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Nowadays, there are a lot of health care professions out there, but medical billing is on the list of top professions. Around 20 years back, there were not many job opportunities in the healthcare industry. Now, there are lots of job opportunities in the healthcare market. And this has increased the demand for medical coding professionals. Let’s find out why medical coding is essential in healthcare.

What is medical Billing and Coding?

What do you do when you are sick? You go to a medical doctor. At the doctor’s office, you deal with a doctor and his assistant. But you may not have noticed but there is another professional in the process who ensures you get the best treatment. They work in the background but are just don’t pay attention to them because of our health problems. The role of these professionals is to make sure your medical claims are billed and processed properly.

There is a difference between medical billing and medical coding as different individuals handle them. For this purpose, individuals train and prepare for the job. Let’s find out the difference between their roles.

The primary role of a medical coder is to decode the procedure or service mentioned on the documents given by the doctor to the patient. Next, he decides on the right type of procedure and diagnosis code for submission. Actually, the medical coder takes their time to assess and code the data to ensure the billing is free of errors.

Next, the medical biller uses the right codes to enter the claims and then submits them to the relevant insurance provider for billing. For updates, the biller keeps in touch with the insurance provider to ensure the approval of the claims. In case of any discrepancies, the medical biller may update the patient on what is going on.

Career Opportunities

If you want to ensure that the medical institutes run efficiently, the importance of medical coders and medical billers can’t be denied. The billing and coding professionals are an integral part of the system to ensure that the records are updated and handled properly.

Recently, there has been an increase in job opportunities for trained medical coding and billing professionals. As the life expectancy and population increases, the demand for these pros will keep on going up, says the reports released by the Bureau of Labor Statistics.

Actually, these professionals are appointed at nurse care, medical billing companies, rehabilitation facilities, insurance companies, private clinics, and hospitals, just to name a few.

If you want to join this field, make sure to get certificates by undergoing proper training. Usually, these pros need to undergo post-secondary training.

It’s not hard to achieve this feat. All you need to do is sign up for a medical billing and coding program. As soon as you have gone through short training, it’s time for you to apply for your desired job at a nearby medical facility.

So, this was a description of the importance of medical coding in healthcare.

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Source by Shalini M

Views: 0

July 26, 2022
Am I Ordained To Marry?

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One common question people ask us during counseling is whether they are ordained to marry or not. Few weeks ago, a sister walked up to me to ask if she was ordained to marry or not. I asked why she thought so. She said, her pastor taught them that it is written in Matthew 19:12 that some people were made to be eunuchs and therefore, not everyone is expected to marry. And now she was worried because of the series of disappointments she had experienced in her relationships. When I asked her whether they were equally taught how to differentiate between both groups she said that was why she came to ask me. I said she should have gone to her pastor to ask but she said she would not because they were more interested in how many souls they had won to Christ than their marital plans.

Her vehement refusal to go to her pastor for counsel was a clear indication that she had gone through some elements of frustration. I don’t know how many people are in the same situation today. All I know is that someone will be free from this bondage today.

Before I address the core issue, let me tell you that Christianity is a balanced relationship. The same God that says he that wins a soul is wise also says marriage should be honored by all, and the marriage bed kept pure, for God will judge the adulterer and all the sexually immoral, (Hebrew 13:4 NIV). The practice of holding back mature adults in church from marriage because you don’t want to lose them to other churches or distract them from actively engaging in church growth is unbalanced and unhealthy for the growth you desire. Marriage is an honor before God. It brings glory to God. Anyone that desires to marry should be encouraged before they begin to defy themselves right under your pulpit.

My counsel is that while encouraging them to continue winning souls they should also be counseled on the right way to find the right kind of spouse and the right way to marry. Teach them to let their marriage become a plus to the church instead of minus. If you alone could chase one thousand souls, let you and your spouse join in marriage to chase after ten thousand souls.

Matthew 19:12 says: ” For there are some eunuchs, who were so born from their mother’s womb: and there are some eunuchs, who were made eunuchs of men; and there are eunuchs, who have made themselves eunuchs for the kingdom of heaven’s sake. He that is able to receive it let him receive it.”

The above scripture clearly defines the three categories of eunuchs. Our point of emphasis here shall be on those born eunuchs from their mothers’ womb. The other two are those forced into it and those that became so by their choice.

When God created man in His image and likeness, He decreed that he should go into the world and multiply. That declaration is for you and me. The only approved way to achieve this multiplication is to marry legally and keep the matrimonial bed holy. You don’t need an angel to whisper into your ears that it is time to marry. The rules are there in the bible. That is not our focus for today anyway.

Take example from Abraham, the father of faith. He didn’t need any prophecy to discern whether his son Isaac, needed a wife or not. All he needed was simple wisdom drawn from the Word of God. God told him during his call that through him the earth shall be populated with His new generation of children. He settled it in his mind to get a wife for Isaac to make that calling and purpose come to fruition. At the appointed time, he sent his servant, Eleazar to go to his kindred to get a wife for Isaac. You know the rest of the story in Genesis chapter twenty-four.

God designed man with all the features required to perform all that He wants him to do on earth in the same way a manufacturer will not put his products in the market place without the inbuilt features to function. Signs of puberty, sexual emotions and strong attraction towards the opposite sex are some indicators that you are ordained to marry. When His due season is near, He begins to impress His desires in your spirit for onward transmission to these dormant sexual potentials in you and suddenly you will awaken to certain pressure in that direction. The bible says, ” it is God who works in us both to will and to do of his good pleasure”, Philippians 2:13. Marriage is one of the good things that bring pleasure to God. When you start feeling the urge or willingness to get married just know God has begun this good work in you. Anybody that has this urge or desire to marry is one of those God has ordained to marry. Period!

To become a eunuch or to marry is your choice. God has given you the free will to decide it. He will not choose or impose any one on you. Apostle Paul chose not to marry because he wanted to use his life to serve God and not because God said he should not. His case should not become a doctrine to dissuade people from fulfilling God’s purpose for their lives. He even admonished anyone that is unable to bear it to marry instead of burning in lust. If you choose to live a life of celibacy or choose to marry as you have desired, God is pleased with you. Do not allow previous disappointments dissuade you or make you start thinking that it might be that you are among the chosen eunuchs. You are ordained! If things are not working well, find out what you have not been doing right, keep correcting and working on yourself so God can connect you with the right kind of spouse.

However, it does not mean you should rush into anyone because God has willed it so for you. There is period to find the right kind of spouse and there is time for preparation. My stake here is to let you know that these signs put you in the category God has ordained to marry. You do belong to the group of those made eunuchs from their mother’s womb.

Parents should watch out for these signs in their children and wards. When these signs begin to show up, it is a signal to parents to start preparing their children or wards for the next phase of their lives. Unfortunately, many parents and guardians around these children do not always prepare them on time, and sometimes they misdirect them through wrong information. We owe the upcoming generation this responsibility as guardians. Those who fail at this level of parenting always regret it because late stitches steal real good time.

Those made eunuchs from their mother’s womb do not have and will never have the urge to get married because they do not have the features in them. I do not mean those incapacitated by sickness, diseases and infirmities like down syndromes, depression or paralysis. These are healthy and virile folks who are repugnant to the site of the opposite sex. They never have any amorous feelings towards the opposite sex even when they are both nude in a secret room.

Whether we choose to marry, remain single or born incapacitated, it does not make us sinners or better before God. He loves all of us equally, but it will please Him to see us fulfill His desires for us. I have cleared the obstacles before you. The onus is now on you to decide what you want. Apostle Paul chose not to marry because it was his choice. Apostle Peter did not divorce his wife because of God’s work, yet God accepted them all. Decide your case by yourself.

Remain Blessed!

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Source by Christopher UI Ogholoh

Views: 0

July 25, 2022
Why Customer Concentration Impacts a Business Sale Transaction
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Few owners recognize the major impact that customer concentration has on the sale of their business. Customer concentration represents a significant obstacle and will affect the salability, valuation, and deal structure of a business-for-sale transaction. Not only will it create problems in qualifying buyers but it will impact the ability for any prospective purchaser to obtain third party financing to complete the acquisition. Determining if customer concentration is present in an enterprise is a critical element of the succession planning process.

Customer concentration is a situation when one customer represents a significant portion of revenues or when the business has a very small customer base. Based upon the expert one consults, the exact percentage for a concentration to exist varies. In most cases it is recognized when one customer represents more than 10% of sales or when the top five customers comprise greater than 25% of a company’s revenue. In either situation, a huge risk is created from the lack of diversification and steps to mitigate it should be taken years in advance of a planned business exit.

When evaluating a business sale it is important for an owner to recognize that their client base has a significant impact on the enterprise value of the company. A broad and diverse base of customers where there are a large number of clients contributing to the business’ revenue will achieve a higher transaction value as it reduces the risk that a sizable decrease in earnings will occur if any one customer is lost or a particular industry segment that the business serves encounters economic distress.

In addition to a lower sales price, businesses with customer concentration issues are more difficult to market for sale. For main street business transactions (those with adjusted earnings of less than $2mm) third party financing is used in the majority of cases. Businesses with high levels of customer concentration are very difficult to get financed. Lenders may provide only partial financing, offer sub-optimal terms, or decline the loan altogether. In situations where third party financing is not available, the pool of available buyers is significantly restricted and the terms of a deal could be heavily weighted on a contingent earn-out based on retaining the revenues derived by the largest customers. “Typically we want no customer concentration over a 10% level when considering financing an acquisition. Higher levels are possible with much more explanation and supporting documentation but remain a major concern” states Steve Mariani, President of Diamond Financial Services.

Lastly, customer concentration will have a direct impact on the deal structure for the business sale transaction. Buyers will strive to bridge the customer concentration risk through a variety of delayed ‘performance based’ financing methods. For example: Assume both parties agree on a transaction price of $900,000 based upon $300,000 of adjusted earnings (a 3x multiple). If the key account in question represents $75,000 of the $300,000 this would represent $225,000 of the transaction price. A buyer will strive to isolate the $225,000 component to ensure that revenue is maintained post sale. After a period of 12 months, if the customer and income are still in place the seller would receive the funds. If the identified client and corresponding revenue was lost during this period, a pricing adjustment would be made.

In situations where the buyer is unable to obtain transaction financing due to customer concentration issues, the seller might have to accept a “contingent earn-out” for the revenues derived from the largest customers, or worse, they may also have to finance a major portion of the “non-contingent purchase price” negotiated with buyers.

Contingent payouts could be structured in a variety of methods:

Earn-Out:

Earmark part of the purchase price with payments made over a period of time contingent upon the retention of specific customers or achieving specific revenue targets.

Escrow:

A percentage of the acquisition price will be held in an escrow account for a specified time.

Seller-Financing:

The seller would be responsible for financing a major portion of the purchase price through a seller note. The seller note could be structured with contingencies for revenues derived from the largest customers.

With any of these deal structuring techniques, the seller cannot be expected to guarantee the revenue in perpetuity and if the transaction price is based upon retaining one or more key customers, the seller may require more active involvement in maintaining the client relationship during the term of the agreement. Obviously, this brings an additional complexity to the transaction.

In most cases, buyers will look to discount the amount they are willing to pay for a business (with high customer concentration) unless they receive assurances that the risk is low. While the obvious strategy to reduce customer concentration risk is to diversify and increase the business customer base, there are a number of situations where customer concentration either does not pose a significant risk or could be mitigated.

Customer Contracts:

Having a contract in place will not eliminate all of the risk of losing a key customer, but it will provide the buyer with security that the revenue and profits will continue after a change in ownership takes place. When customer contracts are involved, the ability to assign or transfer will be important to understand. In many cases, a stock sale vs. asset sale is elected to preserve these contracts.

Barriers to Entry or Exit:

Businesses could have intellectual property, product expertise, or patents that create competitive advantages barring competition. Others are located in geographically remote areas where the supply benefits discourage customers from changing the relationship. Lastly, there could be significant capital requirements for manufacturing and tooling or agency approvals (pharmaceutical or government contracting industry) that creates a barrier to entry from potential competitors.

Providing a Variety of Products and/or Services:

Having a broad relationship with a key customer where the relationship is not based solely on one product, one location, and one individual decreases the risk that a singular change will fundamentally impact the future revenue stream and continuity of the account.

Economies of Scale or Synergies:

The acquisition may be pursued by a strategic buyer where they are bringing new products/services to the enterprise, a broader geographic distribution footprint, or economies of scale in production. Any of these elements would assist in reducing the concentration of revenue risk that an identified key client would represent to the future organization.

Summary

Businesses which have high levels of customer concentration are inherently risky and it is important for the owner to appreciate this concern from the perspective of a potential acquirer. Ultimately, the buyer seeks only to retain the customers which have contributed to the success of the business and are factored in the valuation and transaction price. From the position of a buyer a few logical questions and concerns would be:
1. How does the value of the company change if a customer representing 10% or more of revenue and/or profits is lost in the first year?
2. How easy would it be for the client representing the customer concentration concern to leave the business?
3. What unique situations exist within the business to preserve the customer relationship in the years ahead?
4. What are the logical steps and corresponding costs to mitigate the customer concentration risk?
5. How do I achieve a win-win transaction? Protecting me, the buyer, against the risk of a near term revenue loss while providing the seller with the proper remuneration for the fair market value of their business?
While the risk may not be able to be totally eliminated, there are a number of situations where customer concentration is more palatable and a proper explanation should be provided to the buyer at the earliest opportunity. Getting out in front of this potential challenge is critical to achieve a win-win deal. When good communication exists, and two fair and reasonable parties are at the table, there are a number of structuring options available, when necessary, to mitigate the risk and negotiate a fair and reasonable transaction price. Obviously, the best approach for a prospective business seller would be to develop and implement plans to reduce any customer concentration elements years in advance of a business exit. Eliminating this type of risk is just sound advice for any small business owner regardless of whether a sale is contemplated.

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Source by Michael Fekkes

Views: 0
July 25, 2022
How Online Entrepreneurs Can Make Money Online With a Website

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Starting an online business can be freeing if the entrepreneur knows what they are doing. But what does a new entrepreneur do if they are not experience in online business? The key to an online business is to leverage how to make money online with a website.

The online business website is the heart of any Internet-based business and all detailed pertaining to the website need to be handled with care. Therefore, online business owners should take special care to create a website in a profitable market (also known as a niche), market the website properly using traffic generating techniques and have calls for action so that consumers will follow through with purchases.

Read on for a break down of the previous steps for more detail.

Selling products using your website

Online entrepreneurs have millions of online products that can be marketed that will translate into paid commissions. Companies like Amazon, Wal-Mart and Target use affiliate marketers to help promote their products and drive Internet traffic to their web pages. It is common for online entrepreneurs to earn commissions If a purchase is made, because a consumer clicked through to the Amazon page through the entrepreneurs marketing web page.

Decide on a market or niche

Now it is time to decide what type of products the online entrepreneur would like to market in. The online marketer will decide what specific market they are going to operate in. For this article, let’s say the online entrepreneur chooses helping coaches find the right baseball gear for their teams. Many of the major retails deal in baseball gear and have affiliate marketing programs that online entrepreneurs can take advantage of.

Create a website

At this point the online entrepreneur will create a website that will be used to market various baseball products through affiliate links to the retailers’ home site. The website should be clean and be in a layout that is suited for the consumer to find information easily.

Drive traffic to the website

Here is where the online entrepreneur would need to decide. Should organic traffic techniques be utilized through SEO optimization? Or should traffic be sent to the marketing website using pay-per-click technique. The pay-per-click would be the fastest way to get traffic to the website. The problem with pay=per-click is that sending traffic to the website can be expensive. Most online entrepreneurs choose the route of getting free traffic using SEO Optimization. Building traffic through SEO takes time.

Convert traffic to purchases

Now that the online entrepreneur has traffic, it is time to convert that traffic in to purchases. This is where the vendor weblinks come into play. The goal is to tweak your SEO Optimization so that most visitors are wanting to buy. Work on the SEO content to get your purchase-to-traffic conversion rate to 20%. That is the low end of what a conversion rate should be for a niche webpage. Try to get higher if possible.

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Source by Douglas Quinn

Views: 0

July 25, 2022
ChatBot Marketing With Aritificial Intelligence

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ChatBot Digital Marketing which makes use of Artificial Intelligence technologies can be used a key component in any company’s marketing strategy in terms of guiding customers through a marketing sales funnel. The marketing funnel that would be programmed into the AI ChatBot would be defined in relation to the products and services being offered into the market place from the company in question. Implementation of the particular social media digital marketing strategy may well be devised by a full service digital marketing agency.

When it comes to effective digital marketing strategy development and subsequent execution that requires marketing research, strategy formulation, content planning, linking strategy and the publication of the content in question. In addition to the above, careful posting on relevant content portals and blogs in necessary in order to expand the digital marketing footprint of the company as well as developing the equity of the brand.

The point being made is that publishing content on its own is not enough; there has to be a key focus on that of promoting the company and that of building the business’s brand. If the company chooses to take care of the content marketing in house as opposed to making use of a digital marketing agency then all of the necessary software and keyword analysis tools will need to be purchased and subscribed to in order to be able to determine the correct direction that needs to be taken for maximum social media marketing effectiveness.

So bearing in mind that the content itself is not the main issue per se, we can turn our attention to the strategic use of how companies are using chatbots for marketing – the content will be created and published strategically on portals, blogs, websites and via social media channels then in turn users make their way to the company website where they interact with the artificial intelligence chatbots in order to implement the business’ digital marketing strategies.

From the various social media marketing channels that may be used to publish related company content; along with the [say] the company blog and other authority blogs. Remembering that there will be associated links within each piece of content – in turn users are directed to the company website which will lead to the strategic AI chatbot with all of the associated calls to action coming into play.

The activation of the AI ChatBot and interaction with the customer and associated data that will be collected will in turn provide valuable marketing intelligence for the company in question. This could be in the form of questions asked by the ChatBot which carefully guides prospects through a defined marketing or customer support process.

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Source by Stephen C Campbell

Views: 0

July 25, 2022
ACN Multi Level Marketing Business: An Inside Look

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If you are thinking about beginning your personal ACN Multi Level Marketing business then take a few minutes to read this article as you are going to find it valuable.

Starting your own home business could possibly be just what you and your family need to finally take control of your time and finances. But if done incorrectly it could also be a full waste time, energy and cash.

So what exactly are those things that tends to make such a difference? What do you need to know to guarantee you may make a considerable income using the ACN multilevel marketing model. Let's take a closer look.

An Evaluation of the Company

The ACN business model is not totally distinct from other network marketing systems. The company delivers a wide range of well-liked consumable products that the majority of ordinary people use each day.

All you have to do earn commissions is promote these products to people you know and others you identify as wanting or are in need of them. To build a strong business you will want to go on and recruit a team of other people from whose sales you will also earn commissions.

As a company the ACN multi level marketing business is doing very nicely. ACN (American Communication Network) sells internet services, telecommunications services, wireless, and utilities. It is also rated in the list of the top 20 direct marketing companies in the United states by the Direct Promoting Association.

ACN was founded in 1992 by Robert Stevanovski, Greg Provenzano and two twin brothers Mike and Tony Cupisz. The network marketing side of the business was officially launched in 1993 with 20 founding front line distributors. It has because grown to serve 23 countries ranging from North America, Europe, Asia along with the Pacific.

This doesn't necessarily mean that this business opportunity is appropriate for you.

The Business Plan Revealed

Even if you only realize the basic fundamentals of business you understand that in order to get a business to make money, they should sell products. In order for an independent distributor to earn income and make a living you will have to do exactly the same – sell products.

Have you thought about how you will go about promoting ACN's particularly specialized menu of services? Keep in mind, in order to create an excellent living you are going to need to sell a lot of them!

Behind each and every network marketing opportunity is the promise of earning a long-term residual income by creating a sizable team of distributors. From this team you, will earn a little commission off of their time and work.

The concept is that each team member will do a bit of work which will altogether add up as a large volume of sales. This sounds excellent in theory, nevertheless, does this realistically happen?

Promoting your Opportunity

Most people who get involved in MLM do not make their initial investment back. The reason for this is not because the business, services or compensation plans are flawed.

The main reason is not obtaining the sales or marketing training to effectively promote and convert to sales. This lack of training can hold you back because simply put MLM (multi level marketing) is really a direct marketing business.

To combat this problem once you join MLM companies advise you to make a list of all the people you know – family, friends, co-workers, associates, colleagues, etc. You will then need to contact the people on your list to introduce the products, services and business opportunity.

This tends to make sense. But what happens once you run out of the people on your list? Now what?

Learning the best way to market properly and effectively may be the crucial to creating a lucrative ACN multi level marketing business. When burn through your list of family friends and colleagues you need to have a plan in place to consistently obtain new people to introduce your business to.

Not planning to do this can cause failure in your business and shattering your dreams. Fail to plan and you plan to fail.

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Source by Merv Stevens

Views: 0

July 25, 2022
What Are All the Things One Should Keep in Mind While Trading Bitcoins?

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Today, in the world of everything digital and done through the internet, people are trading currencies through the web as well. When it comes to the internet, one of the most famous topics of this millennium discussed is cryptocurrencies. With the help of blockchain, these currencies are created and traded and the number of users is simply on the rise. However, like any other trading, bitcoin trading too has their ups and downs and their own set of rules that need to be followed. Trading always carries a large amount of risk, but if one is clever enough and knows how to manage the risks properly, then they can easily be successful at it.

Some of the things that one should keep in mind while trading bitcoins are listed below:

Make a plan

There should be a clear plan about when to start and when to stop. Trading straight ahead without having any plan can be disastrous for profits and loss balance. It is imminent that a target level is decided, when profits should be collected and when to stop to minimize losses. People need to be kept aware of all the pros and cons and about all the trading trends that are happening in the market. Trading daily is not recommended because certain big traders are always out there, waiting to catch the innocent traders make a mistake.

Risk management

People should make use of risk management tools and understand how to spread the risk perfectly through a trading portfolio. This will allow gradual and substantial gains to occur throughout a certain period. Also, they should keep in mind that trading in the high-risk market with an edge can lead to bigger losses. Instead, making smaller profits in a low to moderate risk market can make them good bitcoin traders.

Don’t buy all trading news

Many people before trading tend to read the news related to market trends and when and where to trade pieces. Most of the time these pieces can be one-sided and can have a biased opinion. This can lead to bad decisions and complicated knowledge about the bitcoin trading scenario. Instead, people should read about financial markets and how to minimize the risk pieces which can help with trading smarter in the long term.

Identify scams

Just like any other financial industry, bitcoins and other cryptocurrency markets are also filled with scams, where many groups are looking for bitcoins and naïve traders. No one should jump at any situation even if lured with a bigger profit scene. Think before trading because the bitcoins are not insured and if they are lost to a scam, there is no way the situation can be corrected. Always keep an eye out on new investments or a large number of investments which can all be a signal of scamming.

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Source by Shalini M

Views: 0

July 24, 2022
Shop Smart & Save Money 2019

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In this eCommerce era, it has become possible to find the best deals using a smartphone or a laptop, and get it shipped to your doorstep. It also became possible to score deals in stores, online and through apps.

There are 3 ways to shop smart and save money in 2019, before buying, while buying and after purchase.

1-How to save money before buying an item?

When I find a product I want or need, the first step is to decide whether to purchase it online or in store. Then what store or online platform offers the best quality to price ratio. I also look at some elements that I believe to be very important before making any purchase:

-Shipping Policy: It’s important to know if a price tag online comes with free shipping or if the customer is responsible for this cost.

-Return Policy: It’s also important to find out if a seller or a shopping platform offers free returns or not. With a free return policy in place, the seller will pay for the return shipping cost if the customer doesn’t like the item received.

-Location: Where is the item you are purchasing being shipped from? The items origin location will determine how long it should take for your item to arrive. However there are a lot of online sellers that use the drop shipping method. When the consumer purchases, the seller (who doesn’t have the item on hand) then has the manufacturer or a 3rd party entity ship the item to the customer. These items are usually being shipped from overseas from countries like China, which will take a lot longer for the for the item to arrive. If you are OK waiting that long for shipping it makes no sense to go through a drop shipper, you could pay less by going directly to Alibabba or ALiexpress websites.

Following are some ways I use to score some good deals

Disclaimer: This post contains affiliate links to products. We may receive a commission for purchases made through these links.

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-Goodwill Outlet Store

Goodwill Outlet is a good example of a store that I never visited before 2018. Now I can go there and buy as many items as I want for very cheap, and if I’m lucky enough that day, I can find some brand name items, to keep or resell online. I can pay up to $1.49 for a pound of clothes (prices vary depending upon location). The Goodwill outlet in my opinion is not only for someone who resells online. I encourage you to visit the Goodwill outlet store in your area, it’s an experience that you will enjoy if you like finding deals, and it’s for a good cause. If you decide to go after reading this article or if you have been there, please share with us your experience in the comments area for everyone to learn from

-eBay Auctions

eBay is another platform where you are most likely to score a deal. It’s in my list of smart ways to shop online in 2019 for 3 reasons:

1. Huge inventory with a possibility to make an offer, which gives you some control over the price to are willing to pay for an item. If the seller accepts you have a deal.

2. HUGE number of auctions you can win for cheap if you know what you are doing. I usually score a great deal quickly by bidding on auctions that are ending soon with no bidders. I found out that winning auctions is a great way to save money and shop smart.

3. Rare finds in all categories

eBay has been around for a while and has a strong brand that offers a good buyer protection policy and has trust from around the world.The eBay platform is another smart way to shop, and also get rid of unwanted items around the house. I sell on eBay and keep a Top Rated seller status with a 100% customer feedback, just by keeping my prices low, accepting reasonable offers, and trying to give the best customer service possible. You can still get a good feedback even if the item isn’t brand new, as long as you are honest and mention any scratches or blemishes in the description. You can find my store on eBay here. I will appreciate it if you check it out.

-Poshmark

I love the poshmark app because It’s easy to use, and it’s a great way to find some good deals in the clothing category. As a posher, you can make offers on items you like and use the power of negotiation to your advantage to ask poshers to lower their prices. You can also follow the sellers you like and join parties based on brands or item categories you’re interested in.The Poshmark App made it to my list of smart ways to shop in 2019 because it allows it’s members to be buyers and sellers at the same time. It’s a great way to clean up your closet and get rid of the clothes you don’t use anymore.If you don’t have a Poshmark account, you can receive a free $5 bonus when you sign up with my code SARADRETAIL.

Disclaimer: If you use my code to sign up to poshmark for free, you will receive a $5 credit and I will receive a $5 credit after you make your first purchase. Please leave me a comment below to follow your closet, you can check out my closet here.

-ThredUP:

ThredUP is another website that makes buying brand name preowned clothing and accessories affordable.Their customer service is great, their shipping is quick, and their prices are some of the best in the market. Every purchase I make in the thredUP website is a deal. Check it out here if you are looking for some high ticket items for a really good price. Some of the brands available on thredUP: GUCCI, BURBERRY, GIORGIO ARMANI, MAX MARA, J.CREW, THEORY, COACH, VINCE, MICHAEL KORS…

2-HOW TO SAVE MONEY WHILE BUYING AN ITEM?

There are a couple of different ways to save money while buying products. When you are buying online, depending upon your platform (ie. eBay, amazon, poshmark, craigslist, letgo, offerup, etc.) you may have the power of negotiating your price. Haggling over price is still used in many cultures all over the world, but ultimatley as a buyer we haggle to get the best price we can. Many platforms now have a way to haggle through “Best offer” or “Make an Offer” options. Of course the seller ultimately gets to decide to accept, counter or decline the offer. As long as you offer a reasonable price and don’t low ball in most cases you can expect to pay a lower price than originally was being asked.

Another way to save money online is through coupons, ecoupons, and promo codes. You may be thinking did I just read coupons, aren’t those the things my mom cuts out of the Sunday paper. Well they aren’t just for in store purchases any more. Everything is online now-a-days and that includes discount coupons. There are websites that offer online discounts and printable coupons for almost any item, any store and any retailer at the click of button. These discount codes can be entered at checkout to get anywhere from 10-70% off your total purchase. Plus on many platforms if you bundle (purchase more than 1 item from the same seller) your purchase you can save even more.

Coupons have been used at grocery retailers for over a hundred years. With technology retailers are now able to offer their customers direct mail and email coupons, they can put coupons on their website and customers can even save them on their phone. There are coupons available for any item, any discount and any retailer. Its just a matter of finding the best coupon to use for your purchase.

Here you can check out Coupons.com for some good deals.

Shop Smart In 2019

3-How to Save money after purchase?

3-How to Save money after purchase?

You may be wondering what I mean by saving money after you have made a purchase. It doesn’t make sense that you can save money after you have already purchased an item. Well in actuality I mean cash back rewards. Cash back rewards allow you to earn cash back on any item you have purchased, in turn allowing you to save off the purchase of that product.

We are in the age of apps. We have become glued to our phones, never letting them out of our site, using them to not only make phone calls but browse the internet, purchase products, watch tv, read a book, etc. Apps have become a normal part of our phones anatomy. And there are some apps which allow you to make cash back by doing your normal everyday shopping. These apps include Ibotta, Shopkick, Receipt Hog, FetchRewards, etc. The basic premise of these apps is once you make a purchase you upload your receipt and based upon the items purchased and total spent, you will receive a point value. The points equal a dollar amount and once you reach a certain points total you get that dollar amount either through paypal or through gift cards, etc. Each app has its own unique additions such as getting points just to walk into a store, or scanning certain products. Its nice to know that you can get rewarded for doing normal everyday things such as shopping.

These are the apps I use. If you sign up under me you will get starting bonus:

Ibotta: gyrrrvo

Shopkick: SAVE219356 – get 250 kicks for signing up

Fetch Rewards: YF8AD – get 3000 points for signing up

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Source by Sarah Labdar

Views: 0

July 24, 2022
An Insight Into the Different Sectors of the Healthcare Industry

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Health has always been one of the major factors determining the growth magnitudes of the economy of any country. The margin between a developing and a developed country is often drawn based on the progress in the fields of healthcare. A strong healthcare sector refers to a lower death rate and a higher level of life expectancy, which largely influences the growth and development of any economy. Hence, it is critical that a country takes good care of its healthcare sector to cater to its populace in an effective manner and to contribute to the country’s growth index in a positive way.

As far as India is concerned, it has one of the largest and most diverse population frame comprising of individuals belonging to different social and economic conditions. To cater to the multiple needs arising out of the diverse living conditions in India, we have a healthcare sector that upholds a bunch of services ensuring good health and effective prevention. Though if we segregate the sector based on its functioning, you will find a lot of distinct sectors attached to the main industry. However, if we take a brief insight into the broad categories that serve as the backbone to the industry, we would have four major domains as described in the article below.

Hospital Services and Facilities

Hospitals are the primary lifeline of the health sector and the core of the health industry. Comprising of general medical hospitals, surgical hospitals, substance abuse and psychiatric hospitals, specialty hospitals, hospices and palliative care centers, family planning and abortion clinics, emergency and other outpatient care centers, dental laboratories, blood and organ banks, sleep disorder clinics, and more, hospitals form a long chain that binds the entire landscape together in terms of serving health to the people. There are residential and nursing care facilities available as well. Nursing, supervisory, residential care are some of the services that are available through this vertical. The other facilities extended through the hospital services are Urgent Care Centers, In-Home Senior Care, Mental Health and Residential Developmental Handicap Facilities, Community Care for the elderly, and so on. Besides, since it is critical that patients receive ambulance services in time, there are direct and indirect services available for ambulatory patients as well. The outpatient care centers, diagnostic centers, hospitals, and some private players in the field also provide this facility to guarantee uninterrupted health service.

Healthcare Equipment and Diagnostic Tools

The present-day advancement in science and technology has rendered the healthcare industry with some of the most innovative and effective equipment and processes to diagnose and treat the ailments as critical as cellular malignancy. There are multiple companies who cater to the rising demand of this equipment. In-Vitro diagnostic substances, ophthalmic goods, surgical appliances and supplies, Mammography Machine, Robotic Surgery Equipment, Venous Access Device, and Glucose Meter are some of the examples that help the healthcare professionals in treating and detecting the diseases in a streamlined manner. To manufacture and supply these, there is a huge industry involved that ensures smooth operations and timely delivery of the equipment and tools.

Medical/Health Insurance

Apart from the direct health care industry, there are services attached to it that render value to its being. Medical insurance and other organizations that back up the entire process of operations for the healthcare industry have a major impact on the existence and growth of this industry. With active participation and spontaneous service, medical insurance has become primary support for the majority of the treatments that involve considerable expenses. With facilities like TPA and cashless treatments, the patients can now enjoy a hassle-free treatment at best-facilitated hospitals.

Pharmaceuticals Sector

The pharmaceutical industry manufactures, markets, and innovates licensed drugs that are effective and integral for better healthcare facilities. This is a huge sector employing a large percentage of population to cater to the market requirements. From drug wholesalers to over the counter stores, the pharmaceutical industry is a major player in this domain. With the rise in the health consciousness in the general public, nutritional supplements have also taken a major share of the healthcare industry, which are again the products of the pharmaceutical sector only.

As the days have walked into modern times, the increasing level of dependency on technology along with the rising pollution levels have worked to make the diseases even more complicated and varied. Hence, it is imperative that there exists an equally strong healthcare sector guiding the mass to cure. With government interventions and private sector initiatives, the number of hospitals has increased over the years catering to a larger crowd. The other sectors like pharma, insurance, and medical equipment have also grown in parallel to support this emerging sector in every possible way. Covering a large landscape encompassing villages as well as the urban corners of the country, the healthcare sector promises high to keep up with the upcoming challenges and demands of the time.

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Source by Alok Mishra

Views: 0

July 24, 2022