WTO takes up China-US dispute over poultry

The World Trade Organization decided on Friday to rule on China's complaint over US restrictions on Chinese poultry exports, after Beijing accused Washington of "naked discriminative protectionism".

The WTO's members automatically set up a panel to examine the complaint at a meeting of its Disputes Settlement Body here, a trade source said, 11 days after China first requested its global trade watchdog to intervene.

"The panel was established," the source said.

Beijing says Washington is breaching international trade rules through several measures including an appropriations bill which it says result in a complete ban on imports of Chinese poultry.

"These unilateral measures fundamentally violate relevant WTO rules, significantly impede the ordinary Sino-US trade in poultry products, and substantially impair the rights and benefits that Chinese enterprises deserve to enjoy," China said in a statement released by its mission to the WTO.

"These measures are naked discriminative protectionism measures, which are strongly opposed by the Chinese government and enterprises," it added.

China and the United States halted imports of each others poultry in 2004 over fears about the spread of bird flu.

Imports of some US poultry products to China have since been resumed but Chinese officials have complained that the United States continues to hold up reciprocal imports of Chinese poultry.

The United States argued that it had taken "an objective, science-based response" permitted under WTO rules while US authorities examine whether China's food safety system meets their level of health protection.

"We do not agree with China's assertions that the measure at issue amounts to a discriminatory or protectionist measure," the US said in a statement to the WTO meeting.

"Although we are disappointed that China has chosen to pursue a panel in this matter, we are confident that this dispute can be resolved through the WTO dispute settlement system."

"Therefore, we see no reason that this or any other dispute should have repercussions on any other trade matters between the United States and China," it added.

The decision by the WTO's member states came after both sides failed to resolve their dispute in talks.

A panel of experts is set up automatically on the plantiff's second request, in this instance after the United States vetoed China's first request for a WTO ruling on July 20.

Euro rises against dollar

The euro rose against the dollar on Friday but gains were capped ahead of crucial US economic growth data and after news of a record drop in eurozone inflation.
In late morning London trade, the European single currency rose to 1.4096 dollars from 1.4063 dollars in New York late on Thursday.
Against the Japanese currency, the dollar firmed to 95.65 yen from 95.51 yen late Thursday.
The first estimate of US gross domestic product (GDP) for the April-June quarter will be closely scrutinised for a lead on how the economy in the recession-hit United States is faring.
Analysts expect the report to show a contraction of 1.5 percent annualised, which would be a major improvement after the 5.5 percent slide in the first quarter. The data is slated for release at 1230 GMT.
"Today, markets are going to focus on the publication of the US second-quarter GDP," said Commerzbank analyst Ulrich Leuchtmann.
"Expectations are that we will see a notable improvement on the first quarter, while the figure will remain negative. It is unclear what effects any deviations from this expectation would have on euro/dollar."
Meanwhile, the foreign exchange market digested news of tumbling inflation in the eurozone.
Consumer prices in the 16 euro countries fell a record 0.6 percent in July over one year, after dropping for the first time last month, according to an official EU estimate Friday.
"Euro area annual inflation is expected to be (minus) 0.6 percent in July 2009 according to a flash estimate," the European Union's Eurostat data agency said in a statement. The figure was minus 0.1 percent in June.
After hitting a record high of 4.0 percent in June and July 2008, eurozone inflation has fallen sharply as oil and other commodity prices have collapsed in the face of the global economic downturn.
Most economists had expected that eurozone inflation would dip briefly into negative territory but have ruled out a longer Japanese-like bout of deflation, a pernicious downward spiral in prices.
While the prospect of falling prices may delight consumers, deflation can wreak havoc on the broader economy as households put off purchases in hope of getting a better bargain in the future, undermining demand and in turn investment in new production.
In London on Friday, the euro was changing hands at 1.4096 dollars against 1.4063 dollars late on Thursday, at 134.80 yen (134.33), 0.8519 pounds (0.8527) and 1.5338 Swiss francs (1.5302).
The dollar stood at 95.65 yen (95.51) and 1.0883 Swiss francs (1.0876).
The pound was at 1.6544 dollars (1.6489).
On the London Bullion Market, the price of gold edged up to 935.05 dollars an ounce from 932.50 dollars an ounce late on Thursday.

Nominal repair budget death knell for bridges

KATHMANDU, July 31 - Despite the stress in the budget on construction of new bridges, the paltry allocation for maintenance and repairs for more than 90 percent of bridges on the verge of collapse shows sheer neglect on the part of the state, say officials.

The government has allocated only Rs. 30 million for maintenance of more than 1,500 old bridges across the country in the budget, while a total Rs. 1.35 billion has been allocated for construction of new bridges this year.

About 1,350 bridges along the East-West Highway are more than 25 years old. They could cave in any time for want of basic maintenance and repairs.

Senior Divisional Engineer Kirtyanand Thakur, who heads the Bridge Unit at the Department of Roads, Ministry of Physical Planning and Works (MoPPWs), on Thursday said, “The allocated budget is not enough to carry even ‘minor’ maintenance and repairs on the bridges, let alone look after major problems.”

About Rs. 200 million is needed just for minor repairs that need to be carried out annually for the prolonged life of any bridge, he said. According to Thakur, the present budget is only enough for emergency maintenance of some bridges listed as ‘in critical state’. However, the amount will not suffice if the foundation of a bridge rated vulnerable has to be changed.

Most bridges suffer due to bearing corrosion, malfunctioning of expansion joints and river training. The bearing of all bridges constructed more than 25 years ago need replacement.

Each year, the list of new bridges to be constructed increases, while the government’s neglect for old infrastructure continues due to political pressures to construct new bridges in areas where leaders who call the shots are popular, said an official preferring anonymity.

“Some projects are even included in the budget for construction without any detailed project study,” he said.

Political leaders of respective areas want to show their work by constructing new infrastructure as they are visible, while maintenance and repair of old infrastructure get least priority,” he added

According to DoR, there are 205 new bridges under construction for this year. “The DoR will not be able to construct more than 30 bridges this year,” said Thakur. Meanwhile, construction of more than 100 bridges from the previous year’s list are pending. In other countries, about two percent of the total cost for bridge construction is spent on maintenance and repairs in most countries.

DoR states that bridges costing more than Rs. 48 billion fall under the department and a single bridge needs Rs. 500,000 for maintenance and repairs annually.

However, every year, the government allocates only Rs. 20 to 30 million for all work related to road and bridge maintenance and repairs.

Prices hinge on demand-supply seesaw

Uncontrolled price rise is hitting consumers hard. Experts believe the monopolistic supply chain of essential food commodities and hoarding are the primary causes.
Consumers complain that suppliers are creating an artificial food shortage to jack up their profits. The problem is worsening as importers are also acting as stockists. Said Kamal Bahadur Thapa, monitoring officer at Department of Commerce, “This is the reason why consumers are falling prey to unscrupulous traders.”
Traders are more likely to create artificial shortage when there are periodic bandhs and strikes across the transit route in the Terai and other parts of the country, he said.
Given the unchecked price rise in Nepal compared to low inflation in other parts of the world including India, the government recently intervened in the import of edible oil from India. The move decreased the price of mustard and soybean oil by nine per cent — a saving of Rs 9 in Rs 100 a consumer spends.
Earlier, the government was not involved in price control of essential supplies except of petroleum products and salt. “We weren’t authorised to intervene in import and supply of other items,” Thapa said. “But, the government decided to intervene in the import of other food commodities as well to control prices.”
Thapa also said that the government was all set to import 5,000 metric tonnes of pulses from India through Nepal Food Corporation (NFC) and Salt Trading Corporation (STC) as per a July 27 decision. “Pulse price will go down once it is imported,” he said. The government plans to import food grains, including rice, from India.
Kailash Bajimaya, acting director general at DoC, blamed the open market policy. “The private sector is taking advantage of the policy and hoarding food items.” He said market intervention would continue until consumers get respite from unethical trade practices.
However, Nepal Chambers of Commerce (NCC) president Surendra Bir Malakar challenged the government to prove that the businesspeople were hoarding and creating artificial shortage.
“We will help the government, if anyone breaks the law,” he said adding, “but where does the private sector keep its stock?”
He claimed that the godowns that were raided were regularly distributing commodities. “Anyone breaking he supply chain, should be penalised. Otherwise the government should allow us to operate our godowns.

What is hoarding?

KATHMANDU: According to Kailash Kumar Bajimaya, acting director general at DoC, “hoarding is the storage of large quantities of food commodities in order to create an artificial scarcity. Warehousing of the food commodities by agents, dealers and retailers exceeding one month without any transaction is punishable by existing law.

Who holds the market

The comodities market has around two dozen players, including at least 20 business organisations and traders. The key figures are:
• KL Dugar
• Pawan Bansal
• Chandreshwor Prasad Kalwar
• Pawan Kumar
Agrawal and
• Murarka Group

Veg prices a runaway colt, govt wrings hands in vain

Looking at the data of the Kalimati of Kathmandu Market Association, vegetable prices have risen enormously over the past one year.
Tomato, one of the most commonly consumed vegetables, has risen from Rs 11 a kg to Rs 50 per or maybe more in the retail market, displaying a price difference of 96.36 per cent in the past one year, and a price difference of 155 per cent over the past two years.
Basic products like potatoes haven’t been spared either, showing a 160 per cent rise in price over the past one year.
“One of the main reasons is untimely and insufficient yield due to lack of rains, aside from the fertilizer shortage,” said Binay Shrestha, Planning Officer for Kalimati Vegetable and Fruit Market Association.
Cabbage at Rs 7 per kg used to be the cheapest vegetable in the market. Priced at Rs 60 per kg just a month back, it is displaying a price difference of 421.59 per cent in one year and a price difference of 219.69 per cent over the past two years.
Vegetable sellers say that the frequent bandhs have disrupted smooth supply to the valley and as fruits and vegetables are perishable goods it is difficult to sustain them over long periods of time.
There has been a major shortage of fertilizer in the country for a very long time now, but now that the government has brought in fertilizer the farmers are feeling hopeful about good seasonal yields later into the year.
“The fertilizer procured now is very good and the rains have finally set in. So, the crop harvest next season should be substantial,” added Shrestha.
Though the valley has been lucky in that the supply of vegetables and fruits has been steady, yet because of the shortfall compared to demand prices have only risen.
“There must be a gap in demand and supply which has not been rendered much thought. The possibility of a rise in population in the valley could be a cause for this gap in demand and supply,” said Shrestha. Prices are rising on a weekly basis and nothing is being done to curb this surge.

Market watch Price hike control

The recently announced Monetary Policy for the fiscal year 2009-10 has projected the price hike at 7.5 per cent — almost half the present rate.
However, the government has been since last year failing to control price rise. Nepal Rastra Bank (NRB) and the Finance Minister — in the budget — project growth and price hike ritually every year. They failed
last year to contain the price hike and this year too, people are feeling the heat of the price hike.
The people have not got any relief from the price spiral as neither the budget nor Monetary Policy has tried to tackle the key factors that have led to the current surge in inflation.
“It requires better management of financial, monetary and political causes as the price hike is co-related to all of them,” said National Planning Commission (NPC) vice-chairman Dr Yubaraj Khatiwada. The key reason behind the price
hike is insufficient supply, he opined adding that the bandhs/road blockades/ syndicates have contributed 10 per cent to the total
price rise.
The other major reason for price hike is more money chasing less goods. There is a shortage of goods due to hoarding, curtailing and supply constraints. The Commerce Department last week raided some of the godowns in the valley on the charge of hoarding. However, the traders protested and the government seems to have backed down as not a single trader has been booked.
Rise in salary and remittance inflow has also
contributed to the price hike. The remittance inflow has increased by 55.5 per cent and crossed the Rs 169 billion mark. But remittance has been spent on unproductive areas like land
and houses, fuelling
consumerism.
World Bank Economic Advisor for the South Asia Region, Ejaz Ghani said Nepal is benefitting from higher inflows of remittances and healthy availability of foreign aid. “With the decline in global commodity prices, the balance of payments (BoP) and fiscal situation are comfortable and there is no evidence of a liquidity constraint on domestic demand,” he said adding that on the contrary large foreign exchange inflows are creating some demand pressure.
The private sector could not become an engine of growth as the manufacturing industries have not seen
any growth while consumption is increasing. Labour disputes and frequent
power outage has hit
production, leading to more unemployment.
The government also could not spend on development activities that would have generated employment, It instead spent more on unproductive areas. In the first 10 months of 2008-09, recurrent expenditure increased by 26.5 per cent to Rs 81.9 billion. In the corresponding period of the year before that, this expenditure had increased by 21.9 per cent, according to NRB.
It was that upward revision of salaries of government employees as well as an increase in non-budgetary expenditure that led to such acceleration in recurrent expenditure in the review period.
All this led to a price spiral, despite the government’s tall claims of containing the price rise. The year-on-year (y-o-y) consumer price index rose by 12.9 per cent in mid-May compared to that of 9.2 per cent in the same period the last fiscal year, according to NRB.
The food and beverages group pushed the price
hike up as the inflation, in the review period, was driven mainly by the 16.5 per cent price rise in food
and beverages group. The price index of non-food and service group increased by 8.8 per cent.
The price increase in food and beverages group was 13 per cent and that in non-food and services group was 5.3 per cent in the same
period the last fiscal year. The price of items in food and beverages group like sugar and sugar-related products increased by a whopping 66.9 per cent in sharp contrast to last year’s decline of 0.5 per cent, said the central bank.
Similarly, the price indices of vegetables and fruits as well as meat, fish and eggs sub-groups increased by 33.5 per cent and 27.5 per cent respectively in the review period compared to an increase of 1.8 per cent and 10.2 per cent respectively in the same period last year.
The indices of pulses also rose by more than double to 26.3 per cent compared to an increase of 12.1 per cent in the same period last year. The subgroup of grains and cereal products also witnessed a price rise of 6.3 per cent compared to an increase of 21.0 per cent in the corresponding period of the previous year.
In the review period, the y-o-y core inflation rose to 12.7 per cent from 7.5 per cent a year ago.
Recognising the high inflationary pressure, NRB has announced a cautious and tight Monetary Policy
envisioning to containing inflation at 7.5 per cent. However, there has been no change in the political situation and the prevailing political instability will lead to hoarding further fueling price rise, with little or no hope for the public.

Policy measure taken by the Budget

The government is trying to get consensus on banning strikes and bandhs. Declaring the highways a strike-free zone and implementing third-party insurance, the budget has tried to protect highways from unwanted bandhs, accidents and disputes leading to bandhs for compensation.
It has promised to keep the supply route — the highways — free of disturbances. — HNS

Policy measure taken by NRB

The Monetory Policy has reintroduced Statutory Liquidity Ratio (SLR) to contain inflation and fuel growth as it is commonly used to contain inflation and fuel growth by increasing or decreasing it, respectively. This counteracts by decreasing or increasing the money supply in the system. — HNS

Factors leading to the price hike

Contributing factors Price Weightage (%)
Indian market 40
Bandhs/road blockades/syndicates 10
Stockists/wholesellers 20
Hoarders/blackmarketeers 30

As indicators point up, Obama sees end of slump

WASHINGTON: President Barack Obama said Wednesday he sees "the beginning of the end of the recession," as economic indicators and comments from the Federal Reserve suggested stabilization after a brutal slump.

"We have stopped the freefall. The market is up and the financial system is no longer on the verge of collapse," Obama said during a visit to North Carolina

"So there is no doubt that things have gotten better. We may be seeing the beginning of the end of the recession."

The Federal Reserve's Beige Book report on economic conditions also offered some signs of hope after more than a year and a half of recession.

The report, to be used by policymakers at next month's Federal Open Market Committee, said the decline is moderating, although many indicators remain weak and prospects for job creation remained grim.

The survey found data suggesting "that economic activity continued to be weak going into the summer," but that most districts "indicated that the pace of decline has moderated since the last report or that activity has begun to stabilize, albeit at a low level."

Some Fed districts used the words "slow," "subdued," or "weak" to describe activity levels, while others indicated the pace of decline appeared to be moderating. Others pointed to "signs of stabilization."

Obama said the economy is now losing jobs "at nearly half" the rate of when he took office in January, he added in mounting a defense of his plans to stimulate the economy.

He acknowledged that unemployment remains high and cautioned that the lower job losses is "little comfort if you're one of the folks who lost their job and haven't found another."

But Obama also pointed to data showing home prices rising for the first time in three years, a hopeful sign for the sector at the epicenter of the crisis.

The US president defended his actions to rescue two of the Big Three automakers and major banks, saying these were part of actions to avert the possibility of a new Great Depression.

"If we had been in ordinary times, not teetering on the brink of depression, we might have exercised other options," he said.

Obama said the 787-billion-dollar stimulus plan is working, helping stimulate activity through tax reductions as well as public works.

"This money is not being wasted," he said. "We're seeing the results of these investments here in Raleigh and across North Carolina."

"I know that there are some critics in Washington, maybe out there, they say, well, you've been too slow getting these projects started. They're saying we should have broken ground on all our highway projects on the first day. Well, that's impossible, especially because I wanted to be sure we did our homework and invested our tax dollars only in those projects that actually created jobs and jump-started our economy."

The US economy has been in recession since December 2007, according to the economic panel accepted as the arbiter of business cycles.

The economy suffered a 5.5 percent pace of decline in the first quarter, on the heels of a 6.3 percent slide in the fourth quarter of 2008. But many forecasters are expecting growth to resume in the second half of 2009.

The Fed this month raised its outlook for 2009 and 2010 economic output, projecting a rebound in the second half of 2009 that would leave the contraction for the year at between 1.0 and 1.5 percent.

For 2010, the new Fed outlook saw growth in a range of 2.1 to 3.3 percent, slightly better than its forecast from April.

The government's first estimate for gross domestic product in the second quarter to June 30 is to be released Friday. The consensus forecast by private economists is for a 1.5 percent rate of decline.

The Beige Book noted "sluggish retail activity" in most of the nation, while manufacturing showed some gains in parts of the country.

Residential real estate "stayed soft in most districts, although many noted some signs of improvement," the report added, but commercial real estate markets "weakened further in recent months" in most areas.

As to job prospects, the Fed noted that conditions remained difficult, highlighting fears that weak hiring could dampen recovery prospects.

Two Nokia outlets sprout in capital

KATHMANDU: Nokia today opened two stores in the valley — one at the City Center and the other at the Tamrakar House — offering a wide range of authentic Nokia devices and accessories.
“Nokia stores are designed to provide consumers with a unique three-dimensional experience with the brand,” said Prem Prakash Chand, general manager for Nokia Emerging Asia while
inaugurating the store at City Centre.
Nokia holds a market share of 39 per cent globally and has an excess of 50 per cent on an individual region basis, he said adding that it does not include Japan and the United States. “Excluding these two major countries,
we hold 39 per cent of the remaining global market,” he added.
The main motive behind the opening of these stores in Kathmandu is to provide consumers reliable and authentic services along with genuine product guarantee. “Consumers will have peace of mind when they buy from a Nokia store as all the products are authentic. If an individual is paying top price for a product he will know that he has not been duped,” added Chand. The sales staff at the Nokia stores have been fully trained at the Nokia academy and are well versed with the range, features as well as functioning of each product.
Nokia is also providing four authorized customer service centres in Nepal. “We at Nokia are catering to the consumers, and there is something for everybody. For us, solutions go beyond just the device,” said Chand.
He added that the Nokia stores will remain in relative sync with the products launched in the international market,
“Every device that has been launched internationally in the past eight weeks can be availed of in these Nokia stores in Kathmandu,” he said.
Chand said the market in Nepal has a lot of potential. He added, “Our next billion subscribers will be from the emerging Asian countries and Nepal holds a strong position.”

Oil price up in Asian markets

Oil rose in Asian trad on Monday, with investor mood upbeat that the global economy was over the worst of the slump,analysts said.
A stronger-than-expected set of US corporate earnings has fueled hopes that the world's largest economy is on the mend from a recession that started late last year, they said. New York's main contract, light sweet crude for September delivery, put on 87 cents to 68.92 dollars a barrel.
Brent North Sea crude for September delivery was 73 cents firmer at 71.05 dollars.
"People concluded that Asia seems to have turned the corner- now the US is also thought to be recovering", said Tony Nunan, a Tokyo-based manager with Mitsubishi corp's international petroleum business unit. In Asia, a strong 7.9 percent surge in second quarter growth from china's economy has bolstered hopes that the region is also starting to shake off the US led global slump.
After the United States, China is the number two energy user in the world.
Crude prices have risen about 10 dollars in New york over the past two weeks, energised by strong US corporate earnings and economic data suggesting the US and other key economies are starting to recover.
However, phill flynn of PEG Best Research cautioned that the rise in oil prices was not supported by economic fundamentals.
"Oil has ignored bearish supply and demand fundamentals as the fundamentals of expectations of an improving economy seem to be a bit more exciting," Flynn said.
"After this pop, oil will fall hard".

Banks to be told to improve lending

Britain's Treasury chief Alistair Darling will call on banks to reduce the costs of loans to small business as he attempts to halt halt the country's slide further into recession when he meets with banking executives later Monday. Darling expected to tell executives from banks including Barclay's PL C an the bailed out Royal Bank of Scotland PL C that they must do more to improve lending in return for massive taxpayer support. " What companies are being charged does seem to have gone up relative to what banks are actually having to pay because of the facts that we have very low interests rates". Darling said.

World markets rise at start of new week

World stock markets rose again Monday amid ongoing hopes that corporate earnings will outperform expectations and give another signal that the global recession loosening its grip.
In Europe, the FTSE 100 index of leading British shares was up 7.75 points, or 0.2 percent, at 4584.36 with publishing group Pearson PLC up around 10 percent after it raised its earnings guidance for the year despite testing market conditions.
However, Rexam PLC, Europe's biggest maker of cans for the drinks industry, slid over 10 percent after it confirmed it may raise 350 million pounds via the issue of new shares to help it pay down its debt burden.
Meanwhile, France's CAC 40 index was 18.61 points, or 0.6 percent higher at 3385.06 while Germany's DAX jumped 58.33 points or 1.1 percent, to 5287.69 with commercial bank AG the biggest riser after it sold its Swiss Dresden Bank unit to the LGT Group of Liechtenstein. Commercial bank shares rose 7 percent.
Stocks around the world have rallied strongly over the last couple of weeks after better than expected US earnings pushed many of the world's leading indexes to 2009 highs amid hopes that the worst of the recession was over. Equities usually rally around 6-9 months before actual economic growth emerges.
While most of the focus has centered on US earnings, the European reporting season really kicks into gear this week, providing investors with crucial insights about whether the recession is easing as much as it apparently is in the US.
Among others, steel company Arcelor Mittal, Deutsche bank AG, car-maker Daimler AG, chemical company BASFSA and France Telecoms SA will report their earnings in coming days and investors will be interested to see if the recent improvement in forward-looking surveys is being felt in the real world.
It's a quieter week in the US than of late though there will be a lot of interest in earnings from the likes of media company time Warner Inc, Dow Chemical Co, Colgate-Palmolive Co and Exxon Mobil Corp.
Despite the early gains this week analysts warned that the markets may well take a breather and book some profits accumulated over the last couple of weeks.
"If seems holding on to those gains may be the biggest issue as at one point traders will look to book profits on the recent rally," said jimmy Yates, head of equities at CMC Markets.
At the moment, the rally was set to continue on wall street. Dow futures were up 33 points, or 0.4 percent, at 9091 while the broader standard and Poor's 500 futures rose 3.1 points, or 0.3 percent to 980.90. Both would set new highs for 2009 should they open as solidity as anticipated by the futures markets.
Earlier, Asian markets extended their winning streak, with many of the major indexes up 1percent or more.
Tokyo's Nikkei 225 stock average added 144.11 points, or 1.5 percent to 10088.66, and Hong kong's Hang Seng rose 268.83 or 1.4 percent to 20251.62.
South Korea's Kospi gained 1.4 percent and Australia's stock measure was up by 1.2 percent.
In Shanghai, the main index climbed 1.9 percent, buoyed by the strong performance of tehe first company to list on China's main stock exchange in 11 months.
Sichuan Expressway Co surged 324 percent to 15.25 yuan ($2.22) per share before falling back to end the day at 10.90 yuan ($1.59)- still a 203 percent gain over the price that shares were sold for in its initial public offering. The company was the first to start trading in Shanghai since regulators ended a ban on IPO s in June.

Auto Insurance

Auto Insurance refers to the insurance done to the auto mobile like car bus and transportation which run it the highway. Transport which done the insurance company is known as auto insurance. When the transport got accident in the highway then there might be lost of many thing and we can not pay all the materials which are damaged but if we have done the insurance then company will pay a little and we will be helped for paying for the damaged items. Insurance company helps us to pay when we are in difficulty for paying all the damaged items.
In this age auto insurance is in the good way and all the people are doing auto insurance because there are lots of benefits for us. We are helped from the auto insurance. So auto insurance should be done in this age and we are really helped from this auto insurance.

Market Analysis

Market Analysis is the basic thing while we are going to work in the market. When we are going to set up one store or any market in the city we should know market analysis. We should analysis the market in where we are going to set up.

Market analysis may take two distinct forms. In the first, it is a method used by investors to look at the market and try to determine whether it is going up or down, in order to make investment decisions. In the second, it is a field used by marketers to analyze the target market of their clients and determine the best courses of action to take to improve sales and profitability.

Market analysis as used by investors involves looking at numerical data and attempting to discern patterns or determine probable future movement based on that data. Investors using market analysis will look at how prices within their specific sector are moving, how the market as a whole is tending, and what individual events might affect the prices of stocks and commodities they are trading in. When performing a market analysis, an investor must also consider events such as announced merge, profit predictions for a coming quarter, and new technological discoveries. Some investors take a primarily mathematical approach to market analysis, looking at reams of historical market data and crunching every number at their disposal through their own algorithm in an attempt to predict the market's future path. Other investors take a more 'gut' approach to market analysis, relying on news sources and rumors surrounding companies' activities to sketch a rough picture of possible market tendency.

About Diet and Fitness

Diet and fitness are like one of the two parts of coins to keep fitness diet should be taken in limit ways. They should be managed in a good ways. Some people are fat then should do exercise daily. They should dance and do physical exercise as well as mental exercise. This is the way to keep fitness daily. As we read in child hood that we should keep our body clean so this is one of the way to be fitness.

Have you always wondered about diet fads but never really taken the time to learn about them? Maybe you have looked up some information about diet plans or products but what you read just isn’t reliable—it looks like the product manufacturer hired someone to gush about their diet, and it just isn’t an unbiased review. That’s where we come in. If you’re frustrated about this lack of good review material, read on.

Here at About Diet and Fitness, we’ve put these different diet plans and products through the wringer, and we’ve got the scoop on each and every one. Some of these may be huge diet fads that you’ve heard about. Some may even have appeared on national television shows. Others are less well-known. Sometimes, these are the ones that actually work better, although sometimes they aren’t well-known because they don’t work.

In each of our reviews, we address a number of things, including what the product actually does, how it can help you live a better life, pricing, how to use the product, what’s in the product, and useful links so you can order the product quickly and easily. None of these companies are associated with us in any way. We’re writing these reviews because we want to and to help you, not for money.

We cover a number of different topics, and all of our information about diet, fitness, and health issues is categorized and easily searched. You can browse by our general categories, which include oral care, skin care, weight loss, colon health, and men’s health, just to name a few, or you can read our most recent articles. You can also search for a specific product or issue using the search function. Once you’ve selected a category, you can click back and forth between posts to learn more about the topic and the types of programs and products related to it.

Once you’ve used one of the products we discuss here, we want to hear from you. Did the product work? What did you think of the value? Would you recommend it to others? Leave your comments on our reviews to help give other readers more information. After all, once you’ve used the product, you know exactly what it does. Who better to inform other readers about it than you? You can also leave us comments with questions about diet plans and products, suggest products to review, or just share your experiences with us.

We hope you find our site informative and useful. We’ve done our best to provide information for you about diets, fitness programs, and more. Whether you need to know how to take care of that receding hairline, deal with a panic attack, or find a brand of skin care products that works for you, you’ll find it here. So take a few minutes to browse our categories or search the site and see what we’re about.

Financial Pyramid

Many investors structure their portfolios in the form of a financial pyramid. The base of the pyramid is made up of nonvolatile, liquid assets.

The next level includes securities that provide both income and long-term capital growth. At the third level, a smaller portion of the portfolio is allocated to more volatile investments with higher potential returns and greater risk.

And at the top level, the smallest percentage of the overall portfolio is invested in ventures that have the highest potential return but also pose the greatest investment risk.

This strategic approach gives you the potential to realize significant returns if some of your speculative investments succeed without risking more than you can afford to lose.

It's entirely different from a pyramid scheme, a scam that uses new investor money to pay large returns to earlier investors.

13 ways of saving money

1. Autopilot saving and bill pay
Have your savings automatically deducted from your paycheck before it even hits your checking account. It's easy -- most banks will let you set it up online in a matter of minutes.

Set your fixed bills to be deducted as well, either through automated debit or online bill pay, so you're not tempted to touch the money. The added bonus is you'll never get hit with late or missed payment penalties.

2. After paying off debt, keep paying yourself
Maybe your finances are tight due to a big car loan or credit card payments. Once you've paid off these debts, shift those payments to your emergency fund "bill," says Sharon Epperson, author of "The Big Payoff: 8 Steps Couples Can Take to Make the Most of their Money -- and Live Richly Ever After." Otherwise, she says, "You know you'll probably just spend it."

Because you're already used to living without the money, you can use the "extra" funds to build up an emergency buffer to keep yourself from getting into debt again.

3. Enforce 24-hour rule on impulse buys
Maybe splurging sounds like a good idea in the moment, but will you feel the same way the next morning? There aren't many things we truly can't live without and waiting 24 hours before making a purchase will help you avoid shopping hangover. Remember, getting slapped with the bill later is a real buzz kill.

4. Leave the credit cards at home
Spending surveys have found that people spend between 12 percent and 50 percent more when using a credit card versus cash. To see how much money you'll save by ditching the cards, Ruby Payne, an educator, researcher and author of "A Framework for Understanding Poverty," among other titles, recommends leaving your credit card at home. Then every time you don't make a purchase that you normally would have used a credit card for, note the amount. At the end of the month, tally your "potential" purchases to see how much you've saved; then pat yourself on the back for your virtuosity and shift that money to emergency savings.

5. Plan ahead, budget for fun
All work and no play is no way for anyone to live, so be realistic when planning your spending. To make your savings strategy work, you'll need to budget for fun. This will help keep you from going overboard when the fun-itch strikes.

Setting aside 10 percent of your disposable income for fun is Epperson's rule. That way you know how much money you have to play with. Plan ahead to stretch your dollars because, she warns, "When the money's not there, you don't have the fun."

6. Make things interest-ing
Draw down no-interest checking accounts and move the money into high-interest savings. If you can't figure out where to cut back your expenses, this is a good place to look for extra money, says Epperson. "Most Americans keep too much money in checking accounts that earn zero percent interest. That money's just wasting time."

7. Learn to save short-term splurges
One trick that Bedda D'Angelo, a Certified Financial Planner out of Raleigh, N.C., recommends, is deferring the latte splurge until you've saved up enough for a massage. This way you're retraining yourself away from giving into immediate gratification and into saving for your real desires. "It's still pleasure," she says, "but now you're saving for larger things."

8. Reward yourself
Allow yourself little extra perks for reaching savings goals. Taking a vacation without plastic is one reward-worthy goal, D'Angelo suggests. "Pretty soon you're going to say 'I really like it. I feel so secure with this buffer. I really like having money in the bank,'" she says.

Rewards sweeten the medicine, retraining you to take the smart but tough steps that will ensure your financial future. And the cost of the perks is outweighed by new money-saving habits.

9. Remove the temptation
Maybe skip a trip to the mall and go to a specialty store to pick up the item that's actually on your shopping list. Or go to the park for diversion instead of window shopping. It's not fun finding yourself on the wrong side of the window shopping experience, and in most cases the old adage "out of sight, out of mind" rings true for impulse buys.

Dieters don't do well sitting in a bakery sniffing mouthwatering treats all day. Why put yourself in the same position to fail financially?

10. Treat it like a friend
Treat your emergency fund the way you treat your friends: Don't abuse it and don't use it except when needed. Payne suggests this trick when weighing spending decisions. No one likes a user. If you expect your emergency fund to have your back when trouble strikes, maintain a healthy relationship with your money.

11. Keep them separated
It's important to keep your savings in a different account than the one from which you pay your bills, but maybe a little extra space can be helpful. Epperson suggests keeping checking and savings accounts at different institutions. This strategy makes your savings just slightly less accessible because of the waiting time on fund transfers, and maybe that lag is just long enough to help you cool off your spending impulse.

She points out that unbundling your products gives you the opportunity to take advantage of high-yield accounts offered at online institutions, rather than the low-interest-paying brick-and-mortar bank where you keep your checking account.

12. Enjoy compounding for a change
Being on the right side of compound interest is a rewarding experience. Instead of the negative compounding (paying interest on interest) that often occurs with credit cards, you can watch your money grow effortlessly.

Earning interest on interest is a powerful tool that most people don't really understand, says Gail MarksJarvis, money columnist and author of "Saving for Retirement (Without Living like a Pauper or Winning the Lottery)."

"Here's how it works," she says. "Let's say you simply invest $200 this year, and nothing after that and you earn 10 percent on the money each year. At the end of the year you will have $220. That's $200, plus the $20 you earned." But here's the powerful part: After five years, the original $200 grows to $322. After 15 years, it mushrooms to $835.

Start saving now -- no excuses. Then when you're not able to save or not able to save much, your money will still be doing the work for you. The key is to start early for maximum gains.

13. Treat it like taxes
Most people are used to having taxes deducted from their paychecks, Payne points out. They accept both the mandatory nature and regularity of the contributions. So it might be helpful to think of saving to your emergency fund as a taxation that benefits you.

If you really hate taxes, it may be more helpful to think of your savings as a hassle-free insurance policy. The insurance pays out when you need it most.

Acid Rain

Acid Rain
Acid Rain is caused due to the large pollution created from the people during driving and from the industries. Due to the large pollution and high of chlorofluorocarbon, acid rain is created.
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It effects the people and the the living beings of this earth. When the rain come to the earth it falls like the acid. It may corrodes the metals and it is danger for the the living beings.
We must control the pollution then only the acid rain can be controlled.

Music

Music is the art of love and peace. Music can be created from the love. Music contain different instrument and it must be played so beautifully and as a rhythm says.
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Music have different rhythm and if it is played then the music is created. Music have different categories. Some people listen music as a mood and some have hobby to listen music. Some are in that field the do all thing in the music. Music is the symbol of love and peace.