The pride on the young woman seeks to deliver specific praise, direct that meets the important and present interest. Nice flat girl along with genuine compliment the advice on the ex-wife coach in this particular free video on dating advise for guys.
A friend has decided you need help with your social life so it's set with an impaired date.... A friend associated with a friend of a buddy. That, foolishly, accept. Now you are. Is less than a couple of hours since they were presented. You are sitting in a very Thai restaurant and you hate Thai food. The dish is not served. His idea of illuminated conversation is who may be the last four... you are certainly not in sports. He has found out the weekly TV application literally.... You do not sit via a movie in months if you run marathons and volunteer at local food loan companies. He says, "Volunteering is a squander of time because you cannot help 'those people' anyways. " You look pictures watch, see that should be 10 minutes from a final time I looked the past time and I wonder the length of time before you retire plus the situation. Have?
Now imagine a wedding date with someone you accomplished through internet dating and have been chatting online with e-mail messages and exchange with him for quite some time. First, there is no need to be introduced. Do you recognize that person. You're sitting with an Italian restaurant enjoying an enjoyable meal because you both recognize that the other favorite is actually Italian. The conversation flows easily when you discuss common interests. He runs marathons and loves history because it does. You happily discuss the volunteer work that each of you is involved in. You examine your watch and discover it's late... too tardy... where I have the required time to lose.
There can be described as difference between a well-intentioned friend "setting up" and also the election of a man himself who share your interests and preferences, best suited? Now you rather have?
Monday, May 21, 2012
Thursday, May 17, 2012
True Professional Sports Arbitrage Trading Software - The Most Powerful and Efficient Sports Arbitrage Software
For a true professional sports arbitrage trader it is virtually impossible to conceive of working in this business without using the most powerful and efficient software they can find. Instead of wasting time scouring the web searching for trades, professionals rely upon their software to do the hard work.
The arbitrage information arrives to their desktop, with all the parameters and calculations already in place. All that the sports arbitrage trader needs to do is to place the wagers, and wait till the event finishes and the profit to roll in.
Nowadays there are many companies offering software to handle sports arbitrage trading online. Some of them are fairly simple and inexpensive, and might appeal to the beginner. Yet if there ever was cause for the argument "cheap is dear" then it certainly applies to sports arbitrage trading software. Starting off with the best is a prerequisite for success.
Any reputable company marketing sports arbitrage trading software will be more than willing to provide short term trial periods to enable you to get the feel of the software. They should also provide learning tools that will allow the new trader plenty of opportunity to approach his or her trading project fully prepared. You may even find yourself able to earn profits during your trial, although you should not be disappointed if this does not happen: the experience you gain at the early stages will be far more valuable in terms of long-term profits.
There is a school of thought that says if you are just learning the ins and outs of being a sports arbitrage trader, you should set aside a little time after registering your accounts at the various bookmakers you will be working with, doing dry run' wagers. That means picking out arbitrages located by the software and simply going through the process of finding the bets on the bookmaker sites until you feel comfortable with the software. You might even take this a stage further by putting together some low value arbs to get more of a feel of actual trading.
At this stage, you probably won't recover your subscription overheads and any bank charges, but the real-time experience will enable you to hit the ground running when you eventually start trading with higher stakes.
The fact is that professional-level sports arbitrage software will do almost all of the donkey work' for you. It will scan the bookmaker sites frequently and consistently. It will calculate the arbitrage trades and display them for you in an orderly manner on your desktop. It will calculate your stake for you and provide you with a 1-click system to open and log you into the relevant bookmaker sites when you have decided on a particular trade. At after you have placed your bets it will record the information for you so that you have a record of all of your activity.
This leaves you free to focus on the knowledge work' aspect of your trading. This will include things such as:
* managing your cashflow to ensure that your accounts are always tradeable when necessary
* looking for new bookmakers to trade with (the best software vendors will add new bookmakers to the software if you request it)
* doing background research' on prices once you have been alerted to an opportunity (this is an excellent ay to leverage the information you receive from your software)
As you conduct your research into sports arbitrage trading software, you'll discover that there are many different offerings available. It's worth trying them all out (those which offer free trials) to find out which suits you best.
However, there are some features which you should look out for in the sports arbitrage trading software you choose:
Sports Arbitrage Filters
An Arbitrage Filter enables you to restrict the types of arbitrage trades you receive. This will help make your trading more efficient as you will only ever be alerted of opportunities which are of real interest to you. The filters should operate on at least the following parameters:
1. Minimum Profit: This filter will block arbs which yield profits below the threshold you have set.
2. Bookmakers: This filter will block arbs which involve bookmakers you don't want to use.
3. Restrict By Sport: This filter will block arbs which occur in sports you don't want to trade.
4. Rules Coherence: In MLB and NHL, and in tennis, prices may differ solely because of unique rules revolving around things like pitcher-changes, injured players, overtime and so on. This might not bother you, but if it does, your sports arbitrage software should be able to block them
Bookmaker Bonus Trading
As an active sports arbitrage trader, you will almost always have some bookmaker bonuses waiting to be turned over on your accounts. Some sports arbitrage programs will allow you to list those bookmakers and it will then go on to alert you, in a separate window from the main arbs, whenever one of these bookmakers can be traded with either in an arbitrage or break-even trade. This type of feature allows you to become very systematic about extracting multiple risk-free bonuses on a regular basis.
Social Networking
If your sports arbitrage software allows it, the ability to chat and share trades and other information with other traders can be very helpful. As well as providing an instant community of like-minded individuals who are actively engaged sports arbitrage at the same time, if the Chat is built into the software then it should allow much faster sharing of sports arbitrage trades than would be possible using a normal instant messenger service such as MSN or ICQ.
Real-time Updates
With many arb alarm programs, websites and other services, you'll receive emails or messages into your private account at a site. The problem with this is that you won't actually know about the arb unless you check for it. Some opportunities come and go in a flash, and if you're only refreshing your email browser once an hour, you may miss some golden opportunities.
Other programs which actually provide up to the minute updates onscreen, by simply keeping a little window open as you browse the internet, work, watch TV, etc. Take a glance at it now and then, and it will only show you the opportunities available at that precise moment. No outdated messages, just currently available opportunities.
Speed
The best arbitrage trading programs should let you complete a trade within 1-2 minutes by pre-calculating your stakes and opening and logging you into your bookmaker accounts automatically.
Comprehensive Arbitrage Calculator
As touched upon above, your software should automatically calculate your stakes for any type of trade, including those with betting exchanges. It should be able to take into account, automatically, issues such as exchange-commissions and up-to-date currency exchange rates.
Free Trials
If you cannot get a free trial of the software, the chances are that the seller has something to hide. You should be allowed to play around with a trial version of any arb program before investing in it. Beyond how effective the software is, you want something user friendly, easy to understand, and easy to use. Remember, you'll be using this software extensively as you trade so you must feel comfortable with it.
Some things to consider while using your free trials
1 - Is it fast?
Sometimes a program acting slowly isn't your computer's fault, it might just be clumsy or careless programming by the software developer.
2 - Does the user interface make sense?
If you can't get to grips with all of the features of the program in less than a day, it's probably going to be too unwieldy to use quickly and efficiently in a trading environment.
3 - Does it get you good results?
This is the most important thing. A good sports arbitrage alerts system is meant to do one thing: help you to make more money. If you're not being presented with plenty of great, genuine & tradeable arbitrage bets, move onto the next software.
The arbitrage information arrives to their desktop, with all the parameters and calculations already in place. All that the sports arbitrage trader needs to do is to place the wagers, and wait till the event finishes and the profit to roll in.
Nowadays there are many companies offering software to handle sports arbitrage trading online. Some of them are fairly simple and inexpensive, and might appeal to the beginner. Yet if there ever was cause for the argument "cheap is dear" then it certainly applies to sports arbitrage trading software. Starting off with the best is a prerequisite for success.
Any reputable company marketing sports arbitrage trading software will be more than willing to provide short term trial periods to enable you to get the feel of the software. They should also provide learning tools that will allow the new trader plenty of opportunity to approach his or her trading project fully prepared. You may even find yourself able to earn profits during your trial, although you should not be disappointed if this does not happen: the experience you gain at the early stages will be far more valuable in terms of long-term profits.
There is a school of thought that says if you are just learning the ins and outs of being a sports arbitrage trader, you should set aside a little time after registering your accounts at the various bookmakers you will be working with, doing dry run' wagers. That means picking out arbitrages located by the software and simply going through the process of finding the bets on the bookmaker sites until you feel comfortable with the software. You might even take this a stage further by putting together some low value arbs to get more of a feel of actual trading.
At this stage, you probably won't recover your subscription overheads and any bank charges, but the real-time experience will enable you to hit the ground running when you eventually start trading with higher stakes.
The fact is that professional-level sports arbitrage software will do almost all of the donkey work' for you. It will scan the bookmaker sites frequently and consistently. It will calculate the arbitrage trades and display them for you in an orderly manner on your desktop. It will calculate your stake for you and provide you with a 1-click system to open and log you into the relevant bookmaker sites when you have decided on a particular trade. At after you have placed your bets it will record the information for you so that you have a record of all of your activity.
This leaves you free to focus on the knowledge work' aspect of your trading. This will include things such as:
* managing your cashflow to ensure that your accounts are always tradeable when necessary
* looking for new bookmakers to trade with (the best software vendors will add new bookmakers to the software if you request it)
* doing background research' on prices once you have been alerted to an opportunity (this is an excellent ay to leverage the information you receive from your software)
As you conduct your research into sports arbitrage trading software, you'll discover that there are many different offerings available. It's worth trying them all out (those which offer free trials) to find out which suits you best.
However, there are some features which you should look out for in the sports arbitrage trading software you choose:
Sports Arbitrage Filters
An Arbitrage Filter enables you to restrict the types of arbitrage trades you receive. This will help make your trading more efficient as you will only ever be alerted of opportunities which are of real interest to you. The filters should operate on at least the following parameters:
1. Minimum Profit: This filter will block arbs which yield profits below the threshold you have set.
2. Bookmakers: This filter will block arbs which involve bookmakers you don't want to use.
3. Restrict By Sport: This filter will block arbs which occur in sports you don't want to trade.
4. Rules Coherence: In MLB and NHL, and in tennis, prices may differ solely because of unique rules revolving around things like pitcher-changes, injured players, overtime and so on. This might not bother you, but if it does, your sports arbitrage software should be able to block them
Bookmaker Bonus Trading
As an active sports arbitrage trader, you will almost always have some bookmaker bonuses waiting to be turned over on your accounts. Some sports arbitrage programs will allow you to list those bookmakers and it will then go on to alert you, in a separate window from the main arbs, whenever one of these bookmakers can be traded with either in an arbitrage or break-even trade. This type of feature allows you to become very systematic about extracting multiple risk-free bonuses on a regular basis.
Social Networking
If your sports arbitrage software allows it, the ability to chat and share trades and other information with other traders can be very helpful. As well as providing an instant community of like-minded individuals who are actively engaged sports arbitrage at the same time, if the Chat is built into the software then it should allow much faster sharing of sports arbitrage trades than would be possible using a normal instant messenger service such as MSN or ICQ.
Real-time Updates
With many arb alarm programs, websites and other services, you'll receive emails or messages into your private account at a site. The problem with this is that you won't actually know about the arb unless you check for it. Some opportunities come and go in a flash, and if you're only refreshing your email browser once an hour, you may miss some golden opportunities.
Other programs which actually provide up to the minute updates onscreen, by simply keeping a little window open as you browse the internet, work, watch TV, etc. Take a glance at it now and then, and it will only show you the opportunities available at that precise moment. No outdated messages, just currently available opportunities.
Speed
The best arbitrage trading programs should let you complete a trade within 1-2 minutes by pre-calculating your stakes and opening and logging you into your bookmaker accounts automatically.
Comprehensive Arbitrage Calculator
As touched upon above, your software should automatically calculate your stakes for any type of trade, including those with betting exchanges. It should be able to take into account, automatically, issues such as exchange-commissions and up-to-date currency exchange rates.
Free Trials
If you cannot get a free trial of the software, the chances are that the seller has something to hide. You should be allowed to play around with a trial version of any arb program before investing in it. Beyond how effective the software is, you want something user friendly, easy to understand, and easy to use. Remember, you'll be using this software extensively as you trade so you must feel comfortable with it.
Some things to consider while using your free trials
1 - Is it fast?
Sometimes a program acting slowly isn't your computer's fault, it might just be clumsy or careless programming by the software developer.
2 - Does the user interface make sense?
If you can't get to grips with all of the features of the program in less than a day, it's probably going to be too unwieldy to use quickly and efficiently in a trading environment.
3 - Does it get you good results?
This is the most important thing. A good sports arbitrage alerts system is meant to do one thing: help you to make more money. If you're not being presented with plenty of great, genuine & tradeable arbitrage bets, move onto the next software.
How to Search a Finance Jobs
Deciding which career path you would like to follow can be a big decision. You have to consider not only what you want to do but also what suits your personality, qualifications and experience. To allow you to decide whether a finance job is right for you, we have come up with required qualities and skills as well as entry requirements for all jobs within the finance industry. CV-Library, one of the UK's leading job boards offers a wide variety of careers in this sector and can help you with writing your CV specifically for your next finance job.
The finance industry provides jobs for more than two million people and greatly contributes to the economy. With financial jobs in advice, banking, insurance as well as accounting and tax, there are many sectors to choose from. Finance jobs can be within a monetary establishment or in a finance department of a company or business, depending on your interests. Around four in ten financial services are in London and South East England however there are also many financial centres in Scottish cities such as Edinburgh and Glasgow as well as UK cities such as Leeds and Manchester.
Finance jobs are available in several different areas but generally have similar working conditions and expectations. Long hours, a fast-paced environment and professionalism are definitely some essential attributes required. An ability to be discrete, keep all client information confidential and maintain an ethical approach whilst at work is obligatory. Although the finance industry can be intense, finance jobs usually offer an attractive starting salary which with a qualification or experience, increases rapidly.
A degree is not always required to begin a job in finance as experience in a customer service or sales role can also be an advantage. The ability to adapt your skills and experience by emphasising what is relevant to the position, is a skill to be learnt in order to prove to potential employers that a part-time job didn't just provide a bit of extra cash, but also developed knowledge and experience.
The finance industry is fast-paced, competitive and a very important industry within the UK. In order to target your CV for a you need to ensure that it demonstrates your skills and abilities which will increase profit. This could be shown from any sales experience you may have previously had. You also need to be able to show that you can be an asset to a company and will improve the performance of the business itself through highlighting either skills, experiences or qualifications. As there is a great deal of competition for finance jobs, you want to make your CV stand out so it is best to ensure that all information is concise and easy to read and that all dates of previous employment and qualifications are correct. Think about important skills which are required to work in the industry such as the ability to be accurate, a good level of numeracy as well as communication and interpersonal skills and try and link back to your own experiences in order to create a good impression.
CV-Library, one of the UK's leading job boards, has hundreds of ll over the UK and is dedicated to helping job seekers search for their next finance job.
The finance industry provides jobs for more than two million people and greatly contributes to the economy. With financial jobs in advice, banking, insurance as well as accounting and tax, there are many sectors to choose from. Finance jobs can be within a monetary establishment or in a finance department of a company or business, depending on your interests. Around four in ten financial services are in London and South East England however there are also many financial centres in Scottish cities such as Edinburgh and Glasgow as well as UK cities such as Leeds and Manchester.
Finance jobs are available in several different areas but generally have similar working conditions and expectations. Long hours, a fast-paced environment and professionalism are definitely some essential attributes required. An ability to be discrete, keep all client information confidential and maintain an ethical approach whilst at work is obligatory. Although the finance industry can be intense, finance jobs usually offer an attractive starting salary which with a qualification or experience, increases rapidly.
A degree is not always required to begin a job in finance as experience in a customer service or sales role can also be an advantage. The ability to adapt your skills and experience by emphasising what is relevant to the position, is a skill to be learnt in order to prove to potential employers that a part-time job didn't just provide a bit of extra cash, but also developed knowledge and experience.
The finance industry is fast-paced, competitive and a very important industry within the UK. In order to target your CV for a you need to ensure that it demonstrates your skills and abilities which will increase profit. This could be shown from any sales experience you may have previously had. You also need to be able to show that you can be an asset to a company and will improve the performance of the business itself through highlighting either skills, experiences or qualifications. As there is a great deal of competition for finance jobs, you want to make your CV stand out so it is best to ensure that all information is concise and easy to read and that all dates of previous employment and qualifications are correct. Think about important skills which are required to work in the industry such as the ability to be accurate, a good level of numeracy as well as communication and interpersonal skills and try and link back to your own experiences in order to create a good impression.
CV-Library, one of the UK's leading job boards, has hundreds of ll over the UK and is dedicated to helping job seekers search for their next finance job.
Tuesday, May 15, 2012
Factors Which Decide Eligibility for Home Loans
When you are planning to have new house with the help of then it is necessary that you are well-informed about the factors which play a vital role in deciding your eligibility for getting home loan. First of all, it is your salary which is taken into consideration. There is direct relation between y our salary and the amount of home loan you can be eligible for. It means that higher salary means chances of getting higher home loan amount.
Another factor is property check. A thorough inspection of the property that you are willing to buy is done by bank to ensure that it is as per the technical as well as legal norms. Above all, they make sure that the property has been sanctioned by the authorities or not. So, it is advised that you check it beforehand that the property has approved plans and it fulfills all the legal and technical property aspects.
Since are a long-term commitment, your general profile, academic as well as personal qualification will be taken into consideration so as to analyze potential evolvement in the industry you are employed in. for example, Call Center or BPO sector jobs are not considered equal to jobs in other sectors because attrition rates are comparatively higher in this field. In simple words, people with stable job are given priority over others and they are checked for their experience in their respective fields. Medical practitioners, CA, engineers etc. are able to attract the attention of bank as there are more chances of potential growth in their careers.
Your credit history is yet another important factor in deciding your eligibility for It will be verified whether you have any due loan repayments. Third party systems and internal systems are used to know this, so it has got really hard these days to have bad debts with one financial institution and get loan from other.
It is not only your financial condition which is under scrutiny but also of your blood relations. Third party system is used to get financial records of your close relatives. In case of any default, you will find yourself in a fix and you may require to involve into undesired hassles so better avoid this kind of situation by having clean record with banks or financial institutions.
You should bear it in mind beforehand that getting home loans is not a kid's play and it involves huge amount which is given on the basis of long-term commitment. So, we cannot expect banks to be negligent about all the factors that are necessary to make one eligible for getting home loans. These checks are performed by banks so that they are able to assess your ability as well as intention to pay the loan and to be sure about the safety of the property to be purchased by the borrower. So, whenever you are looking for any of home loans, it advised that y you consider pros and cons of the type of loan you are choosing and discuss is clearly with the bank.
Another factor is property check. A thorough inspection of the property that you are willing to buy is done by bank to ensure that it is as per the technical as well as legal norms. Above all, they make sure that the property has been sanctioned by the authorities or not. So, it is advised that you check it beforehand that the property has approved plans and it fulfills all the legal and technical property aspects.
Since are a long-term commitment, your general profile, academic as well as personal qualification will be taken into consideration so as to analyze potential evolvement in the industry you are employed in. for example, Call Center or BPO sector jobs are not considered equal to jobs in other sectors because attrition rates are comparatively higher in this field. In simple words, people with stable job are given priority over others and they are checked for their experience in their respective fields. Medical practitioners, CA, engineers etc. are able to attract the attention of bank as there are more chances of potential growth in their careers.
Your credit history is yet another important factor in deciding your eligibility for It will be verified whether you have any due loan repayments. Third party systems and internal systems are used to know this, so it has got really hard these days to have bad debts with one financial institution and get loan from other.
It is not only your financial condition which is under scrutiny but also of your blood relations. Third party system is used to get financial records of your close relatives. In case of any default, you will find yourself in a fix and you may require to involve into undesired hassles so better avoid this kind of situation by having clean record with banks or financial institutions.
You should bear it in mind beforehand that getting home loans is not a kid's play and it involves huge amount which is given on the basis of long-term commitment. So, we cannot expect banks to be negligent about all the factors that are necessary to make one eligible for getting home loans. These checks are performed by banks so that they are able to assess your ability as well as intention to pay the loan and to be sure about the safety of the property to be purchased by the borrower. So, whenever you are looking for any of home loans, it advised that y you consider pros and cons of the type of loan you are choosing and discuss is clearly with the bank.
Consumers Guide to Home Equity Installment Loans
Loans are needed primarily throughout difficult economical times. Financial resources are undoubtedly difficult to earn where there might be crisis situations wherever we'd like money right away. Financial loans is usually the possible opportunities that we can take. You will find different types of loans that you can obtain. Installment loans include the most frequent loans out there. This is the type of home loan that's given over a period of day which has a specific diary for repayments. It might continue for several months to possibly 20 or perhaps 3 decades.
You'll find good things about buying installment loans. Ideally, this particular loan carries a fitted interest rate. So regardless of what period or perhaps what calendar month you have with regards to paying for your loan, you don't have to bother about having to pay greater numbers as a result of growing interest rates. You will be paying of the same percentage every month which can be recalled.
Installment loans furthermore build payments simpler. Because you already know the plan dates and the figure to give, you can actually finances for it in putting away a sufficient amount of dollars for your payment. This enables you to plan ahead your current expenditures and even your salary in order to fork out the loan for the contracted date ranges.
An additional advantage is that you could simply obtain installment loans on the net. This is often good for those who do not have time for you to sign up for loans individually. They're able to quickly post the plans on the web which is more quickly than a particular application. This also helps to make the task quicker because most of the web based creditors desire only a few aiding docs. Installment loans online also have swifter turn-around period. Most of these financial institutions approve forms within 24 hours. Hence, you will get the cash immediately. This works best for people that require bucks at the earliest opportunity. Additionally, there are installment loans poor credit that are offered on line. Using a bad credit record has stopped being a interruption to having a mortgage. It is simple to search installment loans low credit score on the internet for your economical demands.
Installment loans provide the borrower independence. Consumers may determine the duration of compensation. They're able to decide to pay back the borrowed funds coming from a couple of months to a several years. The more the reimbursement duration, smaller the regular pay back amount will probably be. This could be easier to allow for some individuals who may have cheaper once a month cash flow. Still, smaller loan repayment period can even be ideal in having to pay your debt the soonest time possible.
These are simply many of the features of gaining installment loans. Regardless how beneficial installment loans tend to be, these are always obligations and must be paid without delay. They need to be used in the right way so the cash don't go down the drain.
You'll find good things about buying installment loans. Ideally, this particular loan carries a fitted interest rate. So regardless of what period or perhaps what calendar month you have with regards to paying for your loan, you don't have to bother about having to pay greater numbers as a result of growing interest rates. You will be paying of the same percentage every month which can be recalled.
Installment loans furthermore build payments simpler. Because you already know the plan dates and the figure to give, you can actually finances for it in putting away a sufficient amount of dollars for your payment. This enables you to plan ahead your current expenditures and even your salary in order to fork out the loan for the contracted date ranges.
An additional advantage is that you could simply obtain installment loans on the net. This is often good for those who do not have time for you to sign up for loans individually. They're able to quickly post the plans on the web which is more quickly than a particular application. This also helps to make the task quicker because most of the web based creditors desire only a few aiding docs. Installment loans online also have swifter turn-around period. Most of these financial institutions approve forms within 24 hours. Hence, you will get the cash immediately. This works best for people that require bucks at the earliest opportunity. Additionally, there are installment loans poor credit that are offered on line. Using a bad credit record has stopped being a interruption to having a mortgage. It is simple to search installment loans low credit score on the internet for your economical demands.
Installment loans provide the borrower independence. Consumers may determine the duration of compensation. They're able to decide to pay back the borrowed funds coming from a couple of months to a several years. The more the reimbursement duration, smaller the regular pay back amount will probably be. This could be easier to allow for some individuals who may have cheaper once a month cash flow. Still, smaller loan repayment period can even be ideal in having to pay your debt the soonest time possible.
These are simply many of the features of gaining installment loans. Regardless how beneficial installment loans tend to be, these are always obligations and must be paid without delay. They need to be used in the right way so the cash don't go down the drain.
Saturday, May 12, 2012
Bottom Of The Pyramid: Rural Market Poised For A Leap
India's poverty stricken village market is not a paranoia to the corporate world. Undeterred by 37.5 per cent of the population (about 100 million people) living below the poverty line, the corporate are foraying into rural market. The growth story is spreading to India's hinterland. Indian rural market is booming with surging agriculture growth since the mid of 2000'. It has also provided cushion for the recession hit urban market. It was not hit by global recession. Only 11 percent of the rural market depends on bank credit.
Today, Maruti, the country's biggest automobile maker, is targeting rural market to sustain its auto dominance in the country. Launching the rural drive only two years back, its rural sales soared to 16.5 per cent or about 1,65,000 vehicles in 2009-10. At present, rural market accounts for hefty shares in several market segments 70 percent in toilet soaps, 50 per cent in TV and 55 per cent in LIC policies. FMCG companies are reaping high revenue from rural market 45 per cent each of Colgate Palmolive and Hindustan Lever, 50 per cent of Hero Honda and 60 per cent of Mahindra and Mahindra
While the urban market is shrinking, rural market is growing uninterrupted. In FMCG, rural market witnessed 23 per cent growth in 2009-10. It is projected to grow at 40 percent against 25 percent in urban areas. In telecom, rural market was growing at 70 percent. As of June 2009, rural wireless subscribers were 125.95 million against 70.83 million in June 2008. Rural market accounts for 30 per cent of mobile telephones .
The rural market in India is a home for 790 million consumers. The total income in rural India will reach US$ 425 billion in 2010-11, a 12 percent annual growth since 2004-05. This exponential growth in rural income was derived from four main factors, in addition tom agricultural growth : no tax, NREGA ( National Rural Employment Guarantee Programme ), loan waiver in 2009-10 and increase in MSP ( Minimum Support Prices).
NREGA emerged a driving force for propelling up the rural market. As of 2009, 44.9 million households, comprising of five members per household, benefited from the programme. One member from each household was offered employment for 100 days under the programme. According to official, majority of the beneficiaries reported increase in their consumption, health expenditure and savings. An estimation reveals that of about Rs 7000 earned by per household every year, about 50 per cent were spent for non-food items.
Over the period of three years since NREGA was launched in February 2006, US$ 12 billion (Rs 53,605 crores) was infused in the rural market as wages. Of theses, if 50 per cent were spent on non-food, the rural India generated US $ 6 billion (Rs 26,802 crore) new market during these three years period. During 2010-11, about US$ 6 billion ( Rs. 27,268 crore) will be infused as wages under the scheme. Of these, 50 per cent or US$ 3 billion ( Rs 13,634 crore) will be added to the rural market.
Corporations are adopting different strategies to capture the rural market. Small packaging at lower prices, use of IT services to communicate the agriculture and weather information and special distribution systems are some of the innovative steps taken to penetrate into the rural market. New bottle water brand Bonaque by Coca Cola, customized TV Samporna by LG with manual in regional languages, Shanti Amla oil by Marico are some of the brands generated to lure the rural consumers.
New retailing strategies were grafted to woo the rural people. Rural India accounts almost 55 per cent of retail market. Haryali Kisan Bazar by DCM, Choupa Sagar by ITC , Kisan Sansars by Tata are some of the success stories for retailing in rural market. Product adaptation, suiting to rural market, is another strategy by the corporate. Nokia felt the need to dwarf the infrastructure lacking. It introduced a mobile phone Nokia 1100 - with in-built torch , an alarm clock and a radio. It launched Life Tool service, which offers agriculture information, education and entertainment targeting rural India.
In summing up, despite the vagaries of monsoon, rural market will soar with the infusion of big public and infrastructure development expenditures. It ushers for a transformation from poor to lower middle income group and to middle income group people. It may serve as a strong back-up support for the flip flop urban market.
Today, Maruti, the country's biggest automobile maker, is targeting rural market to sustain its auto dominance in the country. Launching the rural drive only two years back, its rural sales soared to 16.5 per cent or about 1,65,000 vehicles in 2009-10. At present, rural market accounts for hefty shares in several market segments 70 percent in toilet soaps, 50 per cent in TV and 55 per cent in LIC policies. FMCG companies are reaping high revenue from rural market 45 per cent each of Colgate Palmolive and Hindustan Lever, 50 per cent of Hero Honda and 60 per cent of Mahindra and Mahindra
While the urban market is shrinking, rural market is growing uninterrupted. In FMCG, rural market witnessed 23 per cent growth in 2009-10. It is projected to grow at 40 percent against 25 percent in urban areas. In telecom, rural market was growing at 70 percent. As of June 2009, rural wireless subscribers were 125.95 million against 70.83 million in June 2008. Rural market accounts for 30 per cent of mobile telephones .
The rural market in India is a home for 790 million consumers. The total income in rural India will reach US$ 425 billion in 2010-11, a 12 percent annual growth since 2004-05. This exponential growth in rural income was derived from four main factors, in addition tom agricultural growth : no tax, NREGA ( National Rural Employment Guarantee Programme ), loan waiver in 2009-10 and increase in MSP ( Minimum Support Prices).
NREGA emerged a driving force for propelling up the rural market. As of 2009, 44.9 million households, comprising of five members per household, benefited from the programme. One member from each household was offered employment for 100 days under the programme. According to official, majority of the beneficiaries reported increase in their consumption, health expenditure and savings. An estimation reveals that of about Rs 7000 earned by per household every year, about 50 per cent were spent for non-food items.
Over the period of three years since NREGA was launched in February 2006, US$ 12 billion (Rs 53,605 crores) was infused in the rural market as wages. Of theses, if 50 per cent were spent on non-food, the rural India generated US $ 6 billion (Rs 26,802 crore) new market during these three years period. During 2010-11, about US$ 6 billion ( Rs. 27,268 crore) will be infused as wages under the scheme. Of these, 50 per cent or US$ 3 billion ( Rs 13,634 crore) will be added to the rural market.
Corporations are adopting different strategies to capture the rural market. Small packaging at lower prices, use of IT services to communicate the agriculture and weather information and special distribution systems are some of the innovative steps taken to penetrate into the rural market. New bottle water brand Bonaque by Coca Cola, customized TV Samporna by LG with manual in regional languages, Shanti Amla oil by Marico are some of the brands generated to lure the rural consumers.
New retailing strategies were grafted to woo the rural people. Rural India accounts almost 55 per cent of retail market. Haryali Kisan Bazar by DCM, Choupa Sagar by ITC , Kisan Sansars by Tata are some of the success stories for retailing in rural market. Product adaptation, suiting to rural market, is another strategy by the corporate. Nokia felt the need to dwarf the infrastructure lacking. It introduced a mobile phone Nokia 1100 - with in-built torch , an alarm clock and a radio. It launched Life Tool service, which offers agriculture information, education and entertainment targeting rural India.
In summing up, despite the vagaries of monsoon, rural market will soar with the infusion of big public and infrastructure development expenditures. It ushers for a transformation from poor to lower middle income group and to middle income group people. It may serve as a strong back-up support for the flip flop urban market.
Thursday, May 10, 2012
Basic Rules To Keep Your Internet Browsing Safe And Secure
The Internet is a powerful medium that allows millions of users to chat, play games, download music, gather important information, and perform other various activities. All this has made the Internet an indispensable part of our daily lives. Although the Internet is useful, it also puts our personal and confidential information at substantial risk.
Using the Internet unwisely may make your system vulnerable to malware infections and an easy target for hackers. In this article, we will present some common Internet security tips that you can follow to safeguard your PC from Internet threats.
Do Not Open Attachments from Unsolicited Emails
Attachments that come with unsolicited emails can contain malicious programs, such as viruses, malware, and worms. These malicious programs often cause severe damage to your system. Therefore, it is best that you immediately delete any unsolicited emails you receive. You must also scan the attachments that you receive from known sources before opening them. It is recommended that you install antispam software that can automatically scan and prevent infected emails from appearing in your email program's inbox.
Do Not Use Peer-to-Peer Networks
Avoid using peer-to-peer networks because they are common carriers of malware and virus infections. Files downloaded from P2P networks are often embedded with viruses and spyware. In addition, you give permission to other Internet users, including hackers, to access files on your computer when you use P2P software.
Download Free Software from Reputable Websites
You must be careful when downloading free software available on the Internet. Freeware is often laced with malicious programs, which if given entry may cause severe damage to your PC and steal your personal information, such as usernames, passwords, and credit card numbers. Download freeware only from reputable websites that have confirmed the software is virus and malware free.
Keep your Operating System, Software, and Drivers Up-To-Date
It is important that you keep your operating system, software, and drivers updated with the latest hotfixes, patches, and security releases from the manufacturer on a regular basis. Using the most recent version of a program will remove any security vulnerability that may have been present in its previous version. As a result, your computer will be less prone to viruses and malware infections that exploit security vulnerabilities.
Use Strong Passwords
Ensure data security by using strong passwords for your online accounts and your system files. Do not use your name or birth date as a password since they are easy to crack. Instead, use a password that contains alphanumeric characters and is at least eight characters long. Also, do not store passwords on your system. If remembering all your passwords is difficult, use a password manager program to organize and manage your passwords. A good password manager program will encrypt all your passwords that it manages. In addition, never share your password with anyone else.
Install and Use a Firewall
Use a firewall to control the information that goes in and out of your system. A firewall prevents unauthorized access to your system. Make sure that you keep both incoming and outgoing firewall protection active.
Install Antivirus and Antispyware Tools
Use an antivirus and an antispyware tool to keep your system protected from malicious programs, such as viruses, worms, adware, and spyware. Configure these tools to perform regular full system scans on your computer. Also keep these tools up-to-date with the latest virus definitions and security updates to enable them to identify and protect your system from the latest threats.
Using the Internet unwisely may make your system vulnerable to malware infections and an easy target for hackers. In this article, we will present some common Internet security tips that you can follow to safeguard your PC from Internet threats.
Do Not Open Attachments from Unsolicited Emails
Attachments that come with unsolicited emails can contain malicious programs, such as viruses, malware, and worms. These malicious programs often cause severe damage to your system. Therefore, it is best that you immediately delete any unsolicited emails you receive. You must also scan the attachments that you receive from known sources before opening them. It is recommended that you install antispam software that can automatically scan and prevent infected emails from appearing in your email program's inbox.
Do Not Use Peer-to-Peer Networks
Avoid using peer-to-peer networks because they are common carriers of malware and virus infections. Files downloaded from P2P networks are often embedded with viruses and spyware. In addition, you give permission to other Internet users, including hackers, to access files on your computer when you use P2P software.
Download Free Software from Reputable Websites
You must be careful when downloading free software available on the Internet. Freeware is often laced with malicious programs, which if given entry may cause severe damage to your PC and steal your personal information, such as usernames, passwords, and credit card numbers. Download freeware only from reputable websites that have confirmed the software is virus and malware free.
Keep your Operating System, Software, and Drivers Up-To-Date
It is important that you keep your operating system, software, and drivers updated with the latest hotfixes, patches, and security releases from the manufacturer on a regular basis. Using the most recent version of a program will remove any security vulnerability that may have been present in its previous version. As a result, your computer will be less prone to viruses and malware infections that exploit security vulnerabilities.
Use Strong Passwords
Ensure data security by using strong passwords for your online accounts and your system files. Do not use your name or birth date as a password since they are easy to crack. Instead, use a password that contains alphanumeric characters and is at least eight characters long. Also, do not store passwords on your system. If remembering all your passwords is difficult, use a password manager program to organize and manage your passwords. A good password manager program will encrypt all your passwords that it manages. In addition, never share your password with anyone else.
Install and Use a Firewall
Use a firewall to control the information that goes in and out of your system. A firewall prevents unauthorized access to your system. Make sure that you keep both incoming and outgoing firewall protection active.
Install Antivirus and Antispyware Tools
Use an antivirus and an antispyware tool to keep your system protected from malicious programs, such as viruses, worms, adware, and spyware. Configure these tools to perform regular full system scans on your computer. Also keep these tools up-to-date with the latest virus definitions and security updates to enable them to identify and protect your system from the latest threats.
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