Monday 7 May 2018


Blood Pressure: 6 Summer Foods For Managing Blood Pressure

Blood pressure is one of the most common conditions in India. It is said that one in every three Indians are suffering from hypertension and heart ailments. High blood pressure is a silent killer; in fact, according to the National Centre For Biotechnology Information (NCBI), blood pressure shows seasonal variation. It is the pressure exerted by the blood against the walls of the arteries. It tends to damage the body's blood vessels, thus causing kidney diseases, heart afflictions and other health problems. Blood pressure should be taken care of, especially during summers as it tends to fluctuate more often. We give you some expert tips on managing blood pressure with healthy blood pressure diet.
According to Parmeet Kaur, Dietitian, Narayana Hrudayalaya, "The hypertension diet should have foods with high magnesium, potassium and fibre content in it. They should be necessarily low in sodium." Here's the blood pressure diet you need to follow.
 

Here are the summer foods for managing blood pressure as suggested by Parmeet Kaur.

 

1. Berries

All berries are loaded with heart-healthy compounds called flavonoids. The antioxidant rich fruit may help lower blood pressure, as per a study published in the Journal of the Academy of Nutrition and Dietetics. Add blueberries, strawberries, et al to your daily diet.



Sunday 17 December 2017


Transaction Process System (TPS)

Definition:- A transaction process system (TPS) is an information processing system for business transactions involving the collection, modification and retrieval of all transaction data. Characteristics of a TPS include performance, reliability and consistency.

TPS is also known as transaction processing or real-time processing.

A transaction process system and transaction processing are often contrasted with a batch process system and batch processing, where many requests are all executed at one time. The former requires the interaction of a user, whereas batch processing does not require user involvement. In batch processing the results of each transaction are not immediately available. Additionally, there is a delay while the many requests are being organized, stored and eventually executed. In transaction processing there is no delay and the results of each transaction are immediately available. During the delay time for batch processing, errors can occur. Although errors can occur in transaction processing, they are infrequent and tolerated, but do not warrant shutting down the entire system.
To achieve performance, reliability and consistency, data must be readily accessible in a data warehouse, backup procedures must be in place and the recovery process must be in place to deal with system failure, human failure, computer viruses, software applications or natural disasters.

Transaction processing systems capture and process the detailed information necessary to update data on the fundamental operations of an organization. Learn about the characteristics of different types of systems in this lesson.



Transaction Processing

Consider for a moment all the events that take place on a daily basis in an organization. Let's take an electronics store as an example. A single store can easily carry 10,000 different items. Throughout the day, customers come into the store, select a product and pay for it at the checkout counter. Staff is continuously taking items from the stock room and placing them on the shelves. When the stock runs low, new shipments are ordered. Other customers come in to exchange items and deal with warranty issues.
All of these events are referred to as transactions, and keeping track of them requires a transaction processing system. A transaction processing system, or TPS, is a system to capture and process the detailed information necessary to update data on the fundamental operations of an organization.
A transaction is essentially a single event that changes something. There are many different types of transactions. For example, customer orders, receipts, invoices, payments, etc. The actual processing of transactions includes the collection, editing, manipulation and storage of data. The result of processing a transaction is that the records of an organization are updated to reflect the new conditions at the time of the last processed transaction.
Consider the example of the electronics store. A customer buys a video game and pays for it with cash at the register. This event is recorded as a sale transaction. However, it also triggers other transactions.
First, the amount of cash at the register has just gone up. Second, the inventory of the particular video game has gone down by one. These transactions are logically linked - they occur on the same day at the same time and involve the same item. Linking the transactions provides improved data consistency since one cannot exist without the other. The amount of cash in the register cannot go up unless some transaction makes this happen.
There are many different types of transaction processing systems, such as payroll, inventory control, order entry, accounts payable, accounts receivable and others. Transaction processing produces valuable input into many other systems in an organization, such as management information systems and decision support systems. A TPS serves as the foundation for these other systems. A TPS tracks routine operations but does not provide much support for decision making.
For example, in the case of a bank account, a TPS keeps track of all the events associated with a single account: deposits, withdrawals, transfers, fees, interest paid, etc. This provides a good description of the account activity.
Now let's say the customer comes into the bank and requests a car loan. The account activity is useful information but not enough for the bank to make a decision on the car loan. This requires combining information from different sources and analyzing the financial profile of the customer.


Monday 2 May 2016

FINANCIAL ADVISE

The Reserve Bank of India (RBI) has rich traditions of publishing data on various aspects of the Indian Economy through several of its publications. Through this website (DBIE), data are mainly presented through time-series formatted reports. These reports have been organized under sectors and sub-sectors according to their periodicities. Reports can be saved as excel sheets for further analysis.

 RBI

Foreign Direct Investment

The full form of FDI is Foreign Direct Investment.The FDI means “cross border investment made by a resident in one economy  in an enterprise in another economy, with the objective of establishing a lasting interest  in  the investee economy.
FDI is also described as   “investment into the business of  a country by a company in another country”.   Mostly the investment is into production  by either  buying a company in the target country or by expanding operations of an existing business in that country”.    Such investments can  take place  for many reasons,  including to take advantage of cheaper wages, special investment privileges  (e.g. tax exemptions) offered  by the country.
Reasons of Seek FDI -
(a)    Domestic capital is inadequate for purpose of economic growth.
(b)   Foreign capital is usually essential, at least as a temporary measure, during the period when the capital market is in the process of development.
(c)    Foreign capital usually brings it with other scarce productive factors like technical know how,  business expertise and knowledge.

 Major benefits of FDI-
 (a)    Improves forex position of the country.
 (b)   Employment generation and increase in production .
 (c)    Help in capital formation by bringing fresh capital.
 (d)   Helps in transfer of new technologies, management skills, intellectual property.
 (e)    Increases competition within the local market and this brings higher efficiencies.
 (f)    Helps in increasing exports.
 (g)   Increases tax revenues.


Reasons of FDI is Opposed by Local People or Disadvantages of FDI -
(a)    Domestic companies fear that they may lose their ownership to overseas company.
(b)   Small enterprises fear that they may not be able to compete with world class large companies and may ultimately be edged out of business.
(c)    Large giants of the world try to monopolise and take over the highly profitable sectors.
(d)   Such foreign companies invest more in machinery and intellectual property than in wages of the local people.
(e)    Government has less control over the functioning of such companies as they usually work as wholly owned subsidiary of an overseas company.


Brief Latest Developments on FDI (all sectors including retail):-

2012 – October:  In the second round of economic reforms, the government cleared amendments to raise the FDI cap -
(a)    in the insurance sector from 26% to  49%.
(b)    in the pension sector it approved a 26 percent FDI.
Now, Indian Parliament will have to give its approval for the final shape,"
2012 - September : The government approved the-
(a)    Allowed 51% foreign investment in multi-brand retail.
(b)     Relaxed FDI norms for civil aviation and broadcasting sectors. – FDI cap in Broadcasting was raised to 74% from 49%.
(c)    Allowed foreign investment in power exchanges.

2011 – December  :
(i) The Indian government removed the 51 percent cap on FDI into single-brand retail outlets  and  thus opened the market fully to foreign investors by permitting 100 percent foreign investment in this area.

Monday 20 May 2013

RATE TYPES

RATE TYPES
  1. Bank rate- Bank Rate is the rate at which central bank of the country  (in India it is RBI)  allows finance to commercial banks
  2. Bank Rate (For Non Bankers) -This is the rate at which central bank (RBI)  lends money to other banks or financial institutions.
  3. CRR (For Non Bankers) -CRR means Cash Reserve Ratio.  Banks in India are required to hold a certain proportion of their deposits in the form of  cash with Reserve Bank of India (RBI).
  4. SLR (For Non Bankers) -SLR stands for Statutory Liquidity Ratio. This term is used by bankers and indicates  the minimum percentage of deposits that the bank has to maintain in form of gold, cash or other approved securities.
  5. Repo (Repurchase) rate- Repo (Repurchase) rate is the rate at which the RBI lends shot-term money to the banks against securities
  6. Reverse Repo rate- Reverse Repo rate is the rate at which banks park their short-term excess liquidity with the RBI. 

F.D.I.

FOREIGN DIRECT INVESTMENT

The full form of FDI is Foreign Direct Investment.The FDI means “cross border investment made by a resident in one economy  in an enterprise in another economy, with the objective of establishing a lasting interest  in  the investee economy.
FDI is also described as   “investment into the business of  a country by a company in another country”.   Mostly the investment is into production  by either  buying a company in the target country or by expanding operations of an existing business in that country”.    Such investments can  take place  for many reasons,  including to take advantage of cheaper wages, special investment privileges  (e.g. tax exemptions) offered  by the country.
Reasons of Seek FDI -
(a)    Domestic capital is inadequate for purpose of economic growth.
(b)   Foreign capital is usually essential, at least as a temporary measure, during the period when the capital market is in the process of development.
(c)    Foreign capital usually brings it with other scarce productive factors like technical know how,  business expertise and knowledge.

 Major benefits of FDI-
 (a)    Improves forex position of the country.
 (b)   Employment generation and increase in production .
 (c)    Help in capital formation by bringing fresh capital.
 (d)   Helps in transfer of new technologies, management skills, intellectual property.
 (e)    Increases competition within the local market and this brings higher efficiencies.
 (f)    Helps in increasing exports.
 (g)   Increases tax revenues.


Reasons of FDI is Opposed by Local People or Disadvantages of FDI -
(a)    Domestic companies fear that they may lose their ownership to overseas company.
(b)   Small enterprises fear that they may not be able to compete with world class large companies and may ultimately be edged out of business.
(c)    Large giants of the world try to monopolise and take over the highly profitable sectors.
(d)   Such foreign companies invest more in machinery and intellectual property than in wages of the local people.
(e)    Government has less control over the functioning of such companies as they usually work as wholly owned subsidiary of an overseas company.


Brief Latest Developments on FDI (all sectors including retail):-  2012 – October:  In the second round of economic reforms, the government cleared amendments to raise the FDI cap -
(a)    in the insurance sector from 26% to  49%.
(b)    in the pension sector it approved a 26 percent FDI.
Now, Indian Parliament will have to give its approval for the final shape,"
2012 - September : The government approved the-
(a)    Allowed 51% foreign investment in multi-brand retail.
(b)     Relaxed FDI norms for civil aviation and broadcasting sectors. – FDI cap in Broadcasting was raised to 74% from 49%.
(c)    Allowed foreign investment in power exchanges.

2011 – December  :
(i) The Indian government removed the 51 percent cap on FDI into single-brand retail outlets  and  thus opened the market fully to foreign investors by permitting 100 percent foreign investment in this area.