work at home

work from home

Monday, August 27, 2007

Earn $200+ Per Day!

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Source

Wednesday, August 15, 2007

Rupee rise brings down value of forex reserves by 8%

Dollar-denominated reserves went up $29.49 billion between mid-March and end-July 2007. The $1 billion equals Rs 4,000 crore rule of thumb puts the rupee equivalent at Rs 120,000 crore. Because the rise of the rupee per ''dollar'' of the dollar-denominated basket caused a Rs 70,000-crore drop in the rupee value of total reserves. An idea that has been doing the rounds for many months is that lending surplus forex to corporates could increase yields on reserves, while help check their runaway growth.But the idea has not progressed beyond the level of wishful thinking.The irony is that the rise in the rupee reduced the value (rather than the level) of our reserves, even as it brought down the liabilities of the corporates that had gone in for ECBs.Though repeated efforts to get a response from the RBI met with no success, two points are worth noting. First, the rupee rose vis-a-vis all major currencies between March 16 and July 27; vis-a-vis the dollar by 9.49 per cent, the euro by 5.67 per cent, the yen by 14.38 per cent, the pound sterling by 4.53 per cent, the Swiss franc by 8.94 per cent, the Chinese yuan by 7.26 per cent and the Singapore dollar by 8.79 per cent.Second, as of now forex losses (or for that matter gains on ECBs) are merely notional.Actual losses (or gains) will be registered only when the bills are due.

NCAER revises GDP forecast to 8.5%

The National Council of Applied Economic Research (NCAER) has raised the gross domestic product (GDP) forecasts for the current fiscal a tad higher at 8.53 per cent, as compared to its projection in April at 8.3 per cent. In its latest quarterly review of the economy, the Council said the increase is on account of the projected improvements in the growth of all the three sectors of the economy, but more particularly in the cases of agriculture and industry.For agriculture, the improved rainfall scenario provides the impetus for acceleration in output growth and in the case of industry, it is essentially the higher foreign capital inflows that ease some of the constraints posed by higher interest rates and stronger rupee.While export growth is now likely to be stronger, imports are projected to rise at a faster rate of 19.2 per cent in comparison to the projected growth rate of 18.5 per cent in April.The inflation rate is projected at a slightly lower rate because a lower rise in agricultural prices generally translated into a slower inflation rate, the Council noted adding that the Centre''s fiscal deficit is projected to decline relative to GDP as GDP growth has also increased by 0.2 percentage points.The Council noted that the rupee has strengthened relative to the dollar by about 8 per cent between February 2006 and May 2007.

M&M to establish unit in Brazil

Utility and tractor giant Mahindra and Mahindra (M&M) will establish a utility assembly plant in Manuas, North Brazil, with local partner Bramont. The plant is hoped to be commissioned by early November this year. M&M will assemble 5,000 completely knocked down kits (CKD) of Scorpio and pick-up trucks in this plant per annum. The investment will be made by its Brazilian partner Bramont, which will be $10 million in the first phase, while M&M will give the necessary technical support. Bramont will name 30 dealers in the first year of its operations. Out of the current four-wheeler market of 2 million units in the country, 12 per cent belongs to sports utility vehicles. Unlike the European or the US markets, where the vehicle market is saturated, in Brazil and other Latin American countries, it is growing in double-digits.

SBI Life mulls to expand biz to Rs 6,000cr

In its bid to increase the size of business to more than Rs 6,000 crore in the current year over last year, SBI Life Insurance, the life insurance arm of State Bank of India, has initiated several steps. These comprise, among others, creating more zones, delegating more authority to each zonal head and broad-basing the incentive mechanism for distribution of products through the banking channel. The mirco-insurance products, especially for self-help groups too, will be prepared within the next few month.The number of zones had been increased to eight from four. The east zone now included West Bengal, North-East and Andaman & Nicobar Islands. Earlier, Orissa, Bihar and Jharkhand were under the east zone. Orissa has now been tagged to Andhra Pradesh while Bihar and Jharkhand to Uttar Pradesh. Since the banking channel accounted for 55 per cent of SBI Life''s total business, it was imperative that those active in the channel were suitably rewarded to make them responsive to the current market dynamics. SBI Life has noted that predominant growth areas were not necessarily the metros.

Monday, August 13, 2007

Apollo Hospitals Group-DKV AG launches health insurance co

In its continuing endeavor to make healthcare accessible to the people of India, The Apollo Hospitals Group in a joint venture with DKV AG, Europes largest private health insurer (Deutsche Krankenversicherung AG) announced today the formal launch of its health insurance company Apollo DKV Insurance Company Limited (Apollo DKV) which is all set to redefine the health insurance sector in India. The new company with its unique brand positioning of Lets Stay Healthy will strive to offer customers with uninterrupted health at all times by adopting a preventive approach to facilitate better health for all. The brand identity of Apollo DKV will be unveiled at the official launch scheduled in the evening by the Honble Union Minister of Finance Shri P Chidambaram in the presence of German Ambassador of India, Mr. Bernd Mutzelburg as the guest of Honour, Chairman IRDA Shri C S Rao, Dr. Prathap C Reddy, Chairman, The Apollo Hospital Group and Dr. Nikolaus von Bomhard, Chairman, Munich Re Group. The brand identity resonates to the Lets stay healthy theme by depicting a joyful and healthy man. The vibrant multicolor logo emphasizes vitality and the innovative nature of the brand. Commenting on this exciting new venture, Dr. Prathap C. Reddy, Chairman Apollo Hospitals said, For us it is yet another milestone in a journey that began almost 25 years ago to make health care in India available, accessible and affordable to every individual no matter where ever he or she resides. For us, it is yet another enduring example in creating a healthy India. We, at Apollo DKV Insurance, will make enormous efforts to replicate the sense of commitment with which Apollo has served the country for the past 25 years. For me, personally, this is an auspicious day because in this venture, I see the hope of creating a nation that can achieve comprehensive healthcare for all its citizens.

IRDA to check mis-selling of Ulips by agents

Insurance agents of all life insurance companies selling unit linked insurance plans (Ulips) will now display rate of returns ranging between 6 and 10 per cent to customers. Last month, the Life Insurance Council, (a self-regulatory body of representatives of all life insurance companies) accorded to project returns for Ulips at a rate between 6 per cent and 10 per cent. Ulips are investment plans similar to mutual funds. The premium minus the charges (mainly expenses incurred by an insurance company) is infused in a fund of the choice of the policyholder. Ulip returns are dependent on the performance of the fund chosen, which, in turn, depends on the performance of the stock market. It is felt that agents push Ulips more simply because they get a higher commission, even up to 35 per cent in the first year against only 20 per cent for traditional products. Also, the risk in a Ulip is borne by the policyholder and not the insurance company.

Every time a customer alters the sum insured, policy term, or the riders, a fresh illustration will have to be generated from the main office and taken to the customer for signature. The policy pack that is given to the customer contains a specific illustration. Irda is also considering taking several measures to curb the wrong methods being used in selling Ulips. Irda said, that they are examining several measures to curb the mis-selling of Ulips, such as the possibility of lowering the agents commission for Ulips, the agent filing with the insurer, as part of the policy document, a list of items which he has disclosed to the customer, and the customer attesting that he has fully understood the implication of his investment decision.

Friday, August 3, 2007

Summer Visitations for Non-Custodial Parents

How do you create balance when the bulk of your visitation time takes place over summer vacation? How do you maximize your time together, and also make sure that each of you has down time? That you do "regular" things together, like chores and grocery shopping, in addition to the fun stuff you can't wait to share?

Summer vacation may be the highlight of your year; yet, it's rarely carefree for moms and dads who are trying to cram 12 months of togetherness into one. If you're looking for some guidance in this particular area, I'd recommend reading Wayne Parker's article titled "Planning for a Successful Summer Visitation." Wayne is the About.com Guide to Fatherhood, and he has some excellent suggestions for how dads - and moms who are non-custodial parents - can create summer visits that aren't just great fun, but are also a part of building a strong and lasting connection with each of your children.
Source: http://singleparents.about.com