Stay Updated, Subscribe to the Latest Technology Blog

If you want to survive in this cutthroat competition in the market, you should stay updated. Especially, when you are in the field of technology, every single hour, there is one of the other update on gadgets or operating systems i.e. software. While it is difficult to keep your eyes on various sources, the best way to stay updated is to subscribe to blogs that cover tha latest information on technology.Whether you need technology updates for personal or professional use, the latest technology blogs serve the purpose. Such blogs cover the latest news from the electronics companies, product launches, gadget reviews, and many more stuff that you want to know on day-to-day basis.Staying updated in technology helps you in many ways. If you are an individual, technology blogs update you with the latest gadgets in the market. You may simply search the latest reviews that talk about pros and cons of electronic devices. The reviews can give you idea about which product is better to buy today, and what precautions you should take while using it.If you run an IT company, subscribing to blogs on technology can help you learn the latest trends in the market. You can guide your team to research and come up with new ideas to be put into your service or product. Technology blogs are the best source to know the features of smartphones, tablets, wearable devices, and the like. In addition, the programmers in your company can learn a lot from technology blogs whenever there is a new operating system announced by Google Android, Windows or Apple.The latest technology blogs are written by experts in various technologies. A blog is a place where veterans in relevant fields write to share their knowledge and thus, blogs on technology can be trusted for information on technology. For instance, programmers can rely on the blog to know better about the latest iOS SDK by Apple. They can learn the features, and also how to use the SDK to reap all the benefits in their programming.Technology blogs include the topics on web designing, web development, UI & UX, mobile application development, the latest iOS or Android update, modern devices such as wearables, and other programming languages (like php,.net, Python, Java, etc.). These days, technology blogs also talk about automated mobile app development platforms and cross platform development.Subscribe to a technology blog and receive notifications whenever there is a new post on technology published.

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Cryptocurrency Communities

If you are interested in getting more active and engaged within the blockchain era, it is time you became part of a supportive cryptocurrency community. But before you can do that, you definitely need to learn about the communities.

Bitcoin (BTC) Community

The pioneering blockchain asset was Bitcoin. Word has it that the creator of bitcoin still holds a million bitcoins that is not released into the crypto space. The community enjoys a big and loyal following of near die-hard supporters. They are experienced in both quantity and quality.It is said that the community harbors a countless number of highly skilled crypto influencers. The community remains one of the biggest networks within the crypto world.

Ethereum (ETH) Community

The community has got strong networks with notable investors. These investors continually fund its projects. It is featured by the Ethereum Community Fund, a brainchild of startups who work with the network. The community Fund has been noted to attract a huge following. The community funds projects that seek to establish infrastructure on the Ethereum network.The platform is flexible and capable of achieving several objectives, making it a preferred destination for developers.

Substratum (SUB) Community

The community’s main objective is to decentralize the internet. This aim has helped it earn a good number of followers. It intends to achieve decentralization of the internet by changing monopoly of the internet which has been there for ages. It does not use centralized servers.SUB is known to focus on the community as part of its fundamental vision.

Bytecoin (BCN)

Bytecoin is among the pioneer privacy coins. It existed before crypto was well known. Through the community’s efforts, successful creation of virtual currencies has been made possible through its forks. This has increased Bytecoin’s popularity. The community therefore supports the platform’s cause with great confidence.

Waves platform (WAVES)

WAVES is among platforms that seek to make the processes of token issuance and crowdfunding more affordable to the masses. Among its major goals is to revolutionize the fields of token issuance and crowdfunding.The community enjoys massive following from passionate developers and the community. Moreover, the Waves Community Token (WCT) improved the community’s engagement to the Waves team. The token enables the owner to rate fresh projects which join the platform to access future rewards.

Lisk (LSK)

The LSK is a decentralized project that enjoys the following of a strong community. The platform focuses on software development. Additionally, it focuses on real improvements of complaining about price dynamics.The platform utilizes a high level community participation in the governance of its structure. The platform is already gaining a lot from community participation.The culture of cryptocurrency is already gaining enthusiasm and acceptance with each passing year. Those who are interested in the activities of the blockchain era need to know more about the crypto space. In addition to these communities, there others such as Dogecoin, Monero, Nano, EOS and Ripple amongst others.The growth of cryptocurrency communities is motivated by Metcalfe’s law which states that: A network’s value increases in direct proportion to the number of participants in that network.

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Finding the Best Investment For 2014 and Beyond

It’s only natural to want to have the best investment in your pocket so you can make money investing, and lots of it. So, how might you go about finding the best investment for 2014 and beyond?In hindsight it’s always easy to make money investing, but we’ll play it straight here and look at the past only for clues to the best investment ideas for 2014… and then single it down to the single best investment. Keep an open mind, because most investors overlook opportunities because they are unaware of many of their options.We’re looking for extremes here, like something that appears to be selling real cheap. And to be realistic, we’ll need to take risk into consideration. Not really cheap: stocks and bonds in general, gold, silver, real estate, other commodities, and most foreign securities. There’s always the chance that some small stock somewhere will turn out to be a gem, and the best investment for 2014. But let’s get real, that’s a very risky long shot, not worth betting more than a few hundred bucks on. We want to make money investing, with decent odds to make money.In our search for the best investment ideas, I mentioned looking for extremes, WITH AN OPEN MIND. Nothing appears to be real cheap, so let’s go the other way. What looks too expensive? This is a way to make money investing most folks are not aware of. Bonds are expensive, and you could make money in them with the right bet. But bond prices don’t move fast enough, so let’s eliminate bonds from our list of very best investment ideas. Gold, silver, and most of the other options mentioned above are just not expensive enough.What about looking at stocks in general and different categories of stocks, since we’ve already eliminated trying to find one best stock because it’s just too risky? Stocks look expensive, and in general have gone up in price more than 150% over the past five years. If earnings announcements and expectations disappoint investors, stocks will look even more expensive as 2014 unfolds. Let’s keep them on our list of best investment ideas.Some categories of stocks like certain high tech sectors and small-company stocks in general have become even more expensive. Let’s move them to the top of our list of best investment ideas for 2014 and beyond. Now, how do we make money investing in stocks that we consider too expensive to buy?We don’t buy them… we take a short position… which means we bet that they will fall. Now we get more specific as we look for the best investment to jump on, and then the best and simplest way to do this. The high tech sector is a little too specific for me, so I will focus on small-company stocks in general, as tracked by the Russell 2000 Index. As goes the index, so goes the price of small-company stocks in general. To get more specific, we are going to try to make money investing by betting that the above index will fall.Stock options (called “puts”) could give us maximum financial leverage, but there are two inherent negatives working against us here: higher commissions, and a premium you pay over the intrinsic value, which erodes up until the time the options expire. Options have an expiration date and can expire worthless… making them too risky for average investors. There is a simpler way to make money investing on a bet that a stock index like the Russell 2000 will fall.”Inverse equity” exchange traded funds (ETFs) are the average investor’s best investment vehicle for taking a “short position” in a stock index. They trade as stocks, do not expire, and commission is about $10 per trade with most discount brokers. You make money investing when the stock index falls. Financial leverage can be 3 to 1. Hence, if an index falls 50% in 2014, you could make 150%, as an example.Hindsight tells us that there’s always a best investment somewhere. Finding it in real time is a different matter. But if you want to make money investing on a consistent basis, you should recognize that going short in stocks to hedge against major losses is a valid tool. There’s uncertainty out there in 2014. Open your mind when you look for the best investment ideas.

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The Real Estate Sector

Boom & Bust of Indian Real Estate SectorEngulfing the period of stagnation, the evolution of Indian real estate sector has been phenomenal, impelled by, growing economy, conducive demographics and liberalized foreign direct investment regime. However, now this unceasing phenomenon of real estate sector has started to exhibit the signs of contraction.What can be the reasons of such a trend in this sector and what future course it will take? This article tries to find answers to these questions…Overview of Indian real estate sectorSince 2004-05 Indian reality sector has tremendous growth. Registering a growth rate of, 35 per cent the realty sector is estimated to be worth US$ 15 billion and anticipated to grow at the rate of 30 per cent annually over the next decade, attracting foreign investments worth US$ 30 billion, with a number of IT parks and residential townships being constructed across-India.The term real estate covers residential housing, commercial offices and trading spaces such as theaters, hotels and restaurants, retail outlets, industrial buildings such as factories and government buildings. Real estate involves purchase sale and development of land, residential and non-residential buildings. The activities of real estate sector embrace the hosing and construction sector also.The sector accounts for major source of employment generation in the country, being the second largest employer, next to agriculture. The sector has backward and forward linkages with about 250 ancilary industries such as cement, brick,steel, building material etc.Therefore a unit increase in expenditure of this sector have multiplier effect and capacity to generate income as high as five times.All-round emergenceIn real estate sector major component comprises of housing which accounts for 80% and is growing at the rate of 35%. Remainder consist of commercial segments office, shopping malls, hotels and hospitals.o Housing units: With the Indian economy surging at the rate of 9 % accompanied by rising incomes levels of middle class, growing nuclear families, low interest rates, modern approach towards homeownership and change in the attitude of young working class in terms of from save and buy to buy and repay having contributed towards soaring housing demand.Earlier cost of houses used to be in multiple of nearly 20 times the annual income of the buyers, whereas today multiple is less than 4.5 times.According to 11th five year plan, the housing shortage on 2007 was 24.71 million and total requirement of housing during (2007-2012) will be 26.53 million. The total fund requirement in the urban housing sector for 11th five year plan is estimated to be Rs 361318 crores.
The summary of investment requirements for XI plan is indicated in following tableSCENARIO Investment requirement
Housing shortage at the beginning of the XI plan period 147195.0
New additions to the housing stock during the XI plan period including the additional housing shortage during the plan period 214123.1
Total housing requirement for the plan period 361318.1o Office premises: rapid growth of Indian economy, simultaneously also have deluging effect on the demand of commercial property to help to meet the needs of business. Growth in commercial office space requirement is led by the burgeoning outsourcing and information technology (IT) industry and organised retail. For example, IT and ITES alone is estimated to require 150 million sqft across urban India by 2010. Similarly, the organised retail industry is likely to require an additional 220 million sqft by 2010.o Shopping malls: over the past ten years urbanization has upsurge at the CAGR of 2%. With the growth of service sector which has not only pushed up the disposable incomes of urban population but has also become more brand conscious. If we go by numbers Indian retail industry is estimated to be about US $ 350 bn and forecast to be double by 2015.Thus rosining income levels and changing perception towards branded goods will lead to higher demand for shopping mall space, encompassing strong growth prospects in mall development activities.o Multiplexes: another growth driver for real-estate sector is growing demand for multiplexes. The higher growth can be witnessed due to following factors:1. Multiplexes comprises of 250-400 seats per screen as against 800-1000 seats in a single screen theater, which give multiplex owners additional advantage, enabling them to optimize capacity utilization.2. Apart from these non-ticket revenues like food and beverages and the leasing of excess space to retailer provides excess revenues to theatre developers.o Hotels/Resorts: as already mentioned above that rising major boom in real estate sector is due to rising incomes of middle class. Therefore with increase in income propensity to spend part of their income on tours and travels is also going up, which in turn leads to higher demand for hotels and resorts across the country. Apart from this India is also emerging as major destination for global tourism in India which is pushing up the demand hotels/resorts.
Path set by the governmentThe sector gained momentum after going through a decade of stagnation due to initiatives taken by Indian government. The government has introduced many progressive reform measures to unveil the potential of the sector and also to meet increasing demand levels.o 100% FDI permitted in all reality projects through automatic route.
o In case of integrated townships, the minimum area to be developed has been brought down to 25 acres from 100 acres.
o Urban land ceiling and regulation act has been abolished by large number of states.
o Legislation of special economic zones act.
o Full repatriation of original investment after 3 years.
o 51% FDI allowed in single brand retail outlets and 100 % in cash and carry through the automatic route.There fore all the above factors can be attributed towards such a phenomenal growth of this sector. With significant growing and investment opportunities emerging in this industry, Indian reality sector turned out to be a potential goldmine for many international investors. Currently, foreign direct investment (FDI) inflows into the sector are estimated to be between US$ 5 billion and US$ 5.50 billion.Top most real estate investors in the forayInvestors profileThe two most active segments are high networth individuals and financial institutions. Both these segments are particularly active in commercial real estate. While financial institutions like HDFC and ICICI show high preference for commercial investment,the high net worth individuals show interest in investing in residential as well as commercial properties.Apart from these, the third most important category is NRI ( non-resident Indians). They mostly invest in residential properties than commercial properties. Emotional attachment to native land could be reasons for their investment. And moreover the necessary documentation and formalities for purchasing immovable properties except agricultural and plantation properties are quite simple. Therefore NRI’s are showing greater interest for investing in Indian reality sector.MAJOR INVESTORSo Emmar properties, of Dubai one of the largest listed real estate developer in the world has tied up with Delhi based MGF developments to for largest FDI investment in Indian reality sector for mall and other facilities in Gurgaon.o Dlf India’s leading real estate developer and UK ‘s famous Laing O Rourke (LOR) has joined hands for participation in airport modernization and infrastructure projects.o A huge investment was made by Vancouver based Royal Indian raj international cooperation in a single real estate project named royal garden city in Bangalore over period of 10 years. The retail value of project was estimated to be around $ 8.9 billion.o Indiabulls real estate development has entered into agreement with dev property development, a company incorporated in Isle of Man, whereby dev got subscription to new shares and also minority shareholding the company. But in recent developments indiabulls have acquired entire stake in dev property development in a 138 million-pound sterling (10.9 billion ruppees) share-swap deal.o Apart from this real estate developments opens up opportunity for associated fields like home loans and insurance. A number of global have shown interest in this sector. This include companies like Cesma International from Singapore, American International Group Inc (AIG), High Point Rendel of the UK, Colony Capital and Brack Capital of the US, and Lee Kim Tah Holdings to name a few.
Following are names of some of the companies who have invested in IndiaInternational developer Country Investment
(US $ million)
Emmar properties Dubai 500
Ascendas Singapore 350
Salem & ciputra group Indonesia 350
GE commercial finance U.S 63
Tishman Speyer Properties U.S 300Simultaneously many Indian retailers are entering into international markets through significant investments in foreign markets.o Embassy group has signed a deal with Serbian government to construct US $ 600 million IT park in Serbia.
o Parsvanath developers is doing a project in Al – Hasan group in Oman
o Puravankara developers are associated with project in Srilanka- a high end residential complex, comprising 100 villas.
o Ansals API tied up with Malaysia’s UEM group to form a joint venture company, Ansal-API UEM contracts pvt ltd, which plans to bid for government contracts in Malaysia.
o Kolkata’s south city project is working on two projects in Dubai.
On the eve of liberalization as India opens up market to foreign players there is tend to be competitive edge to give quality based performance for costumer satisfaction which will consequently bring in quality technology and transparency in the sector and ultimate winners are buyers of this situation.However this never ending growth phase of reality sector has been hard hit by the global scenario from the beginning of 2008. Analyst say situation will prevail in near future, and latest buzz for the sector comes as a “slowdown”.Sliding phase of the reality sectorIn this present scenario of global slowdown, where stock markets are plunging, interest rates and prices are mounting, the aftermath of this can now also be felt on Indian real estate sector. Overall slowdown in demand can be witnessed all across India which is causing trouble for the major industry players. Correcting property prices and rentals are eroding away the market capitalization of many listed companies like dlf and unitech.Fundaments behind slowdown…Propetry prices move because of the basic principle of demand and supply
o when demand is high and supply low prices will go up
o When demand is low and supply high prices will go down.For example let’s assume that somebody has bought a property for Rs X and he is trying to sell the property (say after a year), there can be three options, assumption being that the owner is in need of money and cannot wait for more than 3 months to sell the property.1. When the property prices are gliding everywhere : now owner will try to add as much premium to the property as possible, in order to book profits, therefore he will wait for 3 months and sell off in last month at the highest bid. Where he ill get total of Rs X + Rs Y.
2. When property prices have stabilized: here owner will not be able to sell at premium and book profits due to market stabilization & since he don’t want to sell at a loss, he will try to get same amount he brought the property for. Where he’ll get total of Rs X = Rs Y
3. when property prices are going down : owner will try to sell the property at least profit or least cost. Therefore he ill get Rs X-RsY.Reality deals in major cities like Delhi, Mumbai, Bangalore, Chennai and Hyderabad have shown enormous downfall from October 2007 – March 2008. The downfall had been cushioned by fall in stock markets as it put a stop for wealth creation, which leads to shortage of capital among investors to invest in real estate activities. Apart from this in order to offset their share losses many investors have no choice, but sell their real estate properties.Other factors which have contributed to this slowdown are raising interest rates leading to higher costs. Due to this almost all the developers are facing serious liquidity crunch and facing difficulties in completing their ongoing projects. Situation seems to be so disastrous that most of the companies have reported 50-70% cash shortfall. The grade A developers which are facing cash crunch include DLF,MGF, Emmar, Shobha developers, Unitech, Omaxe, Parsvnath Developers, Hiranandani Group, Ansal API, BPTP Developers and TDI Group. As a outcome of this liquidity crunch many developers have started slowing down or even stopped construction of projects which are either in their initial stages of development or which would not effect their bottom line in near future.Also with increasing input costs of steel iron and building material it has become it has become inviable for builders to construct properties at agreed prices. As a result there may be delays in completion of the project leading finical constraints.At the same time IT industry which accounts for 70% of the total commercial is facing a slowdown. Many residential buyers are waiting for price correction before buying any property, which can effect development plans of the builder.Aftermath of reality shock to other sectorsCement industry hit by reality slowdownThe turbulence in the real estate sectors is passing on pains in cement industry also. It is being projected that growth rate of cement industry will drop down to 10% in current fiscal. The reasons behind such a contingency are higher input costs, low market valuations and scaled up capacity which are in turn leading to reduced demand in the industry. High inflation and mounting home loan rates have slowed down the growth flight of real estate sector which accounts for 60% of the total cement demand. The major expansion plans announced by major industries will further add to their misery as low market demand will significantly reduced their capacity utilization.
Setting up new facilities will impart additional capacities of 34 million tone and 45 million tone respectively in 2008-09 & 2009-10. This is likely to bring down capacity utilization in the industry down from current 101% to 82%. Even as it loses power to dictate prices, increased cost of power, fuel and freight will add pressure on input costs.Ambuja Cements too is trading at a higher discount than previous down cycle, suggesting bottom valuations. However, replacement valuations for Madras Cements and India Cements indicate scope for further downslide when compared to their previous down cycle valuations.
All this has added to stagnation of the cement industry.Dying reality advertisingThe heat of reality ebb is also being felt by the advertising industry. It is being estimated that all major developers such as DLF, omaxe, ansals & parsvnath have decided to cut down on their advertising budget by around 5%. The advertising industry in India is estimated to be around 10,000 crore. This trend can be witnessed due to weakening spirits of potential buyers and real estate companies call it a reality check on their advertising budgets. A report from Adex India, a division of TAM Media Research, shows that the share of real estate advertisements in print media saw a drop of 2 percent during 2007 compared to 2006. According to Adex, the share of real estate advertisement in overall print and TV advertising last year was 4 percent and 1 percent, respectively. It’s a known fact that infrastructure and real estate companies are responsible for advertising industry maintaing double didgit growth rate. Therefore its understood that a recent slowdown in iindian reality sector has made things worse for advertising industry. The Adex report indicates that the top 10 advertisers shared an aggregate of 16 percent of overall ad volumes of real estate advertising in print during 2007. The list include names such as DLF Group, Parsvnath, Sahara, HDIL and Omaxe group. However, the real estate had maximum share in South India publications followed by North and West publications with 32% and 26% share, respectively, during 2007.According to many advertising agencies consultants, this phenomenon is taking a toll as all real estate companies want a national foot print and also these companies are turning into professionals. Therefore they are setting standards when it comes to advertising to sales ratio.Falling stock markets knock down reality stocksReality stocks have been hard hit by uncertainties prevailing in the stock market. The BSE reality index is the worst performer having shed 51% of its 52-week peak reached in reality. The BSE benchmark index has shed 24% since January. The country’s largest real estate firm DLF scrip lost 54% while unitech lost 64% from its peak. The scrips of Delhi bases parsvnath and omaxe have lost 68% each since January.The sector is facing a major downfall in sales volume in most markets of the country. The speculators have exit the market and Mumbai and NCR, the biggest real estate markets in markets are cladding subdued sales. In Gurgaon and Noida, which had seen prices almost treble in four years, sales are down 70%, leading to a price correction of 10-20%.
Lets us have a look how major cities are affected by reality downfall.Top 4 metros taking the lead – in slowdownDelhi &NCRWhile bears are ruling the stock market, the real estate sector in Delhi & NCR region has started facing departure of speculative investors from the market. According to these developers based in region the selling of flats has become very complicated at the launch stage due to lack of interest from the speculators. Developers attribute this to stability in prices against the past where prices were up surging on monthly basis. The scenario has changed so much in the present year that developers are now facing difficulty in booking flats which may delay their projects and reduce their pricing power for instance a year ago, if 100 flats were being sold in month at launch stage now it has come down 30-40 per month. Till mid 2007 speculators made quick money by booking multiple flats at launch of the project and exiting within few weeks or months. But now due to the stabilization of the property prices little scope is left for speculators to make money in short term. Therefore outcome is their retreat from the sector.MumbaiMumbai real estate market, which witnessed huge increase in prices in recent years, which made the city to enter in the league of world’s most expensive cities, is now feeling the heat of slowdown. Property sales that have been growing at a clank of around 20% every year have been plumped by 17% in 2007-08.Though slowdown news of property market in country’s financial capital has been much talked about, but it was first time that figures proved the extent of slowdown. Information about residential and commercial property sales from the stamp duty registration office show almost 12,000 fewer transactions during the last financial year compared to the year before. From April 2007 to March 2008, 62,595 flats were purchased in Mumbai as against 74,555 in 2006-07.
According to reality analyst sales volume can die out further in south as developers persist on holding to their steep prices and buyers anticipate a further fall with current rates beyond reach. They further add that market is on a corrective mode and downward trend is anticipated for another 12 months.Between 1992-96, the market ran up the same way it did during 2003-07. Post-’96, the volumes dropped by 50%. This time again it is expected to drop substantially though not so steeply. The demand is now extremely sluggish and customers do not want to stick out their necks and transact at prevailing rates.Chennai in past few years we witnessed reality index gaining huge heights on BSE and it also impact could be felt allover India. Amongst them Chennai was no exception. With IT boom in past few years and pumping of money by NRI’s have led to prices touching skies. Chennai also witnessed a huge boom property prices over the last few years. However in past few months it has been facing slowdown in growth rate.Following factors can be attributed to this:
o This is one of the common factor prevailing all over India- rise in home loan interest rates, which has made it extremely difficult for a normal salaried person to be able to afford a house.
o Depreciation of US dollar, which means NRI’s who were earlier pumping money into the real estate are now able to get less number of rupees per dollar they earn in US. Therefore many of them have altered their plans for buying house in India.
o The Chennai Metropolitan Development Authority (CMDA) has imposed stricter norms for apartment construction and penalties for violations are more severe than before.
o Failure of the legal system of chennai to prevent intrusion, forged documents and illegal construction has added to the problem as many NRI’S are hesitating to buy plots in chennai.
o Apart from this tsunami of 2004 has shaken the confidence of many investors to invest in real estate.However many analyst are quite bullish about this region. Especially in areas like old mahabalipuram, south Chennai etc because of numerous IT/ITES/ electronics/automobile companies are expected to set up their centers in these areas. Once these projects are complete and companies begin operations their, many people would like to live near to such areas and outcome will be boom in residential sector.BangaloreAs discussed for above cities Bangalore is also dwindling between the similar scenarios. Bangalore seems to be in midst of low demand and supply. This trend is due to myopic developers, due to sudden growth in Bangalore in last few years, lot of builders have caught the opportunity of building residential houses thinking their will be lot of employment, increase in salaries and hence demand for housing. Past few years have been jovial for Bangalore as IT industry was doing well and banking and retail sectors were expanding.However with this sudden economic slowdown, due to which Indian stocks markets are trembling, interest rates are high, jobs and recruitment put on freeze have led to cessation of investment in local property markets.According to the developers real-estate industry of Bangalore has experienced a drop of about 15- 20% in transaction volumes. Adding to it grade A developers have faced a dropdown of 50% on monthly levels of booking compared to what they enjoyed in December 2007.Future outlookThe real estate explosion in Indian real estate is due to by the burgeoning IT and BPO industries. The underlying reason for all these moves is that the Indian real estate is tremendously attractive, because of basic demographics and a supply shortage. Truly Indian real estate is having a dream run for last five years.However in the current scenario Indian real estate market is going through a phase of correction in prices and there are exaggerated possibilities that these increased prices are likely to come down.
In this scenario hat will be the future course of this sector?Many analyst are of view that tightening of India’s monetary policy, falling demand and growing liquidity concerns could have negative impact on profiles of real estate companies. Slowing down would also aid in the process of exit of some of the weaker entities from the market and increasing the strength of some of the established developers. A prolonged slowdown could also reduce the appetite of private equity.Its also been projected that large development plans and aggressive land purchases have led to a considerable increase in the financial leverage (debt/EBITDA) of most developers, with the smaller players now being exposed to liquidity pressures for project execution as well as a general slowdown in property sales. Property developers hit by falling sales and liquidity issues would need to reduce list prices to enhance demand, but many still seem to be holding on to the asking price – which, would delay the process of recovering demand and increase the risk of liquidity pressures.
It was being witnessed that before the slowdown phase the projects were being sold without any hook at an extravagant rate. But at present negative impact is highly visible as lot of high end projects are still lying unsold. In such a scenario, there may be blessing in disguise as high profile speculators will be out making way for the actual users.But here also sector faces trouble as correction in prices has been accompanied by increase in home loan rates by the banks which have led to erosion of purchasing power of middle and upper middle class majority of whom are covered in the category of end users or actual users.
Therefore for future of real estate sector analyst call for a wait and watch method to grab the best opportunity with the hope of reduction in loan rates.

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Cyprus: Capital Gains and Immovable Property Taxation

Low taxation and straight forward bureaucratic procedures attract business people and investors from all over the world to invest in the Republic of Cyprus. Cyprus’ low taxation regime facilitates the expansion of business activities in the island. In the current article, I will present some useful information about capital gains and immovable property taxation schemes in Cyprus. The recent amendments of the Law 119(I)/2013 and the Law 120(I)/2013 aim at encouraging economic activity, attract more investors and simplify even more the Cyprus tax regime. According to the amendments of the legislations mentioned above, more capital gains are not taxed in Cyprus. The only capital gains that are taxed are those associated with the disposal of real estate located in Cyprus. Following the amendments of the Law 119 (I)/2013 and the Law 120(I)/2013, real estate owners will be taxed based on the value of their property.Capital Gains Taxation:Subject to certain exceptions (see the list below), the capital gain tax is charged on profits arising after the 1st January 1980, from the sale or transfer of immovable property in the Republic of Cyprus or company’s shares, located in Cyprus, that owns immovable property (Reference 1). Briefly, the net profit derived from the sale or transfer of real estate is taxed at the rate of 20%. The calculation of the net profit derived from the disposal embeds the inflation rate. Inflation is calculated based on the official Retail Price Index. Moreover, according to the amendments of the Law 119 (I)/2013 and the Law 120(I)/2013 the value of the real estate is calculated following the related provisions of the Immovable Property Law.List of Exemptions:
Transfer of property due to death.

Gifts to children, spouses and any other relative up to the third degree.

Gift to a company. The shareholders of the particular company are and continue to be members of the donor’s family for five years after the offer of the gift.

Gift offered by a firm to its shareholders, given that the particular property was originally donated to the company. Moreover, the recipient is obliged to keep the immovable property for at least three years.

Gift to the government or to local authorities of the Republic of Cyprus for educational or other charitable purposes.

Exchange or sale based on the Agricultural Land (Consolidation) Laws.

Exchange of properties. In this case, the values of the real estate properties that have been exchanged must be the same.

Gain derived from the disposal of shares, listed on any Stock Exchange.

Transfers resulted by reorganisation.
Lifetime exemptions for individuals:
Disposal of own residence: Gain (85.430 euro)

Disposal of agricultural land by a farmer: Gain (25.629 euro)

Any other disposal of real estate: Gain (17.086 euro)
Immovable Property Taxation:In Cyprus, the annual immovable property tax is imposed on every individual or legal person who owns immovable property in the island regardless of whether they are or not residents of the Republic of Cyprus. The tax they are obliged to pay is based on the total value of the whole immovable property registered in their name (Reference 2).The immovable property tax is estimated according to the market value of the immovable property as at 1st January 1980 and is payable by the 30th September of every year at the Inland Revenue Department. In this point, it should be clarified that individual owners are exempt from this tax in case the 1980 value of their property is less than €12.500.The relevant tax bands as revised in 2013:
If the assessed 1980 property value is less than 12.500 euro the annual tax rate is 0 (%) and the accumulated tax is zero.

If the assessed 1980 property value is between 12.500-40.000 euro the annual tax rate is 0.60 (%) and the accumulated tax is 240 euro.

If the assessed 1980 property value is between 40.001-120.000 euro the annual tax rate is 0.80 (%) and the accumulated tax is 880 euro.

If the assessed 1980 property value is between 120.001-170.000 euro the annual tax rate is 0.90 (%) and the accumulated tax is 1.330 euro.

If the assessed 1980 property value is between 170.001-300.000 euro the annual tax rate is 1.10 (%) and the accumulated tax is 2.760 euro.

If the assessed 1980 property value is between 300.001-500.000 euro the annual tax rate is 1.30 (%) and the accumulated tax is 5.360 euro.

If the assessed 1980 property value is between 500.001-800.000 euro the annual tax rate is 1.50 (%) and the accumulated tax is 9.860 euro.

If the assessed 1980 property value is between 800.001-3.000.000 euro the annual tax rate is 1.70 (%) and the accumulated tax is 47.260 euro.

If the assessed 1980 property value is more than 3.000.000 euro the annual tax rate is 1.90 (%).
Note: Every registered owner whose immovable property is more than €120.000 is obliged to submit a Declaration of Immovable Property (IR 301 and IR302) and pay the equivalent annual tax before the 30th of September.Important Warnings:Because of the delays in issuing Title Deeds, some developers are the registered owners of real estate property. In accordance with the law, the “registered owners” (in our case the developers) are obliged to pay annual declarations of their immovable property to the relevant authorities and pay the Immovable Property Tax, plus any late payment penalties.Until Title Deeds are issued purchaser is obliged to pay only Property Transfer Fees so that to secure ownership of the property he or she has bought, which will then be registered in his or her name.Nevertheless, in some Contracts of Sales, developers request the buyers to pay the immovable property tax by the time they take delivery of a property. In many cases, some developers charge purchasers outrageous sums of money based on the price the property was sold. Moreover, in some cases, the developers add to the whole amount the late payment penalties.I would advise buyers to ask the developers to provide them with the adequate proofs that demonstrate that the immovable property tax that has been paid to the Inland Revenue corresponds to the land where the development has been constructed.As a result, I am advising purchasers NOT to pay a developer any Immovable Property Tax unless the developer:
Provides a written proof of the amount of Immovable Property Tax that the developer has paid to the Inland Revenue for the land where the development has been constructed.

Provides buyer a written statement clarifying buyer’s shares of the aforementioned land.

Issue a written invoice on the company’s letterhead that states the agreed amount to be paid.

Issue a written company receipt for the amount that had been paid.
Invest in Cyprus: Have a proper legal supportAs it was explained above, the amendments of the Law 119 (I)/2013 and the Law 120(I)/2013 together with the tax friendly regimes give more incentives to international investors and business people to expand their business activities in Cyprus. However, investors and business people should take into account that investing in real estate requires a proper legal guidance.Reference 1: TAX DEPARTMENT: DIRECT TAXATION: Capital Gains Taxation http://www.mof.gov.cy/mof/ird/ird.nsf/dmlfaq_en/dmlfaq_en?OpenDocument#3Reference 2: TAX DEPARTMENT: DIRECT TAXATION: Immovable Property http://www.mof.gov.cy/mof/ird/ird.nsf/dmlfaq_en/dmlfaq_en?OpenDocument#5

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Benefits of Online Backup

Online backup, also known as cloud backup or remote backup, is a technique for backing up data that involves sending a copy of the data over a network to an off-site location. Online backup is designed to protect data from disasters such as fires, floods, and earthquakes that could destroy on-site backup solutions such as external hard drives and tape backups.

Stored Offsite: One of the major benefits of online backup is that it allows businesses to keep their data off-site in a secure location. This means that if something happens to the physical location where the data is stored, such as a flood or fire, the data will still be safe and sound. Additionally, online backup solutions are often more affordable than on-site solutions because they eliminate the need for expensive hardware.

Reduced Costs: Online backup services are often much cheaper than on-premises solutions because you don’t have to worry about the hardware and maintenance costs associated with on-premises servers. In addition, online backup services usually offer tiered pricing plans that allow you to only pay for the storage you actually use, which can further reduce costs.

Cost-Effective Disaster Recovery – In the event of a major disaster, such as a fire or flood, the cost of recovery can be astronomical. By backing up your data online, you can rest assured knowing that you can quickly and easily recover your data without breaking the bank.

Increased Efficiency: One of the biggest benefits of online backup services is increased efficiency. On-premises backups can take a long time to complete, especially if you have a lot of data. With online backup services, your data is backed up in the cloud, so there’s no need to wait for lengthy on-premises backups to finish. In addition, online backup services usually offer features like incremental backups and block-level file copying that further increase efficiency by only backing up changed files since the last backup.

Flexibility: Another benefit of online backup is that it offers more flexibility than on-site backup solutions. On-site backup solutions require businesses to have their own infrastructure in place to store and manage the backups. With online backup, businesses can take advantage of the storage and management capabilities of the service provider. This can save businesses a significant amount of money.

Easy to Use: Online backup solutions are typically very user-friendly. This means that even if you’re not particularly tech-savvy, you should be able to figure out how to use the software with minimal effort.

Versatile Storage Options: When it comes to storing your data, you shouldn’t have to choose between security and convenience. With online backup, you can store your data on a secure offsite server while still being able to access it whenever you need it.

Security: Storing data off-site might sound like a security risk but it is very secure. Online backups are typically encrypted before they’re sent to the backup destination (e.g., an encrypted hard drive or cloud storage service). That way, even if the backup destination is compromised, your data will remain safe and secure. Furthermore, most online backup providers offer multiple layers of security including firewalls, password protection and more to further protect your data. As we mentioned above, online backups are typically encrypted before they’re sent to the backup destination—making them quite secure. Furthermore, most online backup providers offer multiple layers of security (e.g., firewalls and password protection) to further protect your data.

Finally, online backup is much easier to use than on-site backup solutions. On-site backup solutions often require businesses to have IT staff who are trained in using the software and hardware. With online backup, businesses can simply log into the service and start backing up their data with a few clicks of a button.

Conclusion:

There are many benefits of online backup, including increased security, affordability, flexibility, and ease of use. If you’re looking for a reliable and affordable way to back up your data, online backup should be at the top of your list.

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How To Grow Your YouTube Channel

How To Grow Your YouTube Channel

YouTube is the go-to site for entertainment. If you are a content creator, you need a YouTube channel to reach your audience. However, in order to grow your YouTube channel, you need to do more than just upload videos. You need to be strategic and strategic marketing is crucial.

The Importance Of SEO

YouTube has become the number one video platform for many businesses. The platform is well known for its ability to help video creators get a wider audience. This is why YouTube SEO is so important. If you want your YouTube channel to grow, you should make sure that you maintain a high ranking in the search engines. This will help to get more viewers to your videos. You should also make sure that your videos are optimized for search engines. This will improve your ranking in the search engines. You can do this by including your keywords in the title and meta description of your videos. This will help to make your videos more visible in search engine results. You should also include your keywords in the content of your videos. This will help the search engines find your videos more easily. You should also make sure that you have a keyword density of 1-2% in your videos. This will help to optimize your videos for search engines. Additionally, you should make sure that your videos are well-produced. This will help to improve the ranking of your videos in the search engines. You should also make sure that your videos are relevant to your audience. This will improve your ranking in the search engines. You should also make sure that you have a video.

How to create a YouTube channel
How to grow your YouTube channel Once you have decided on the niche you want to cover, you will have to decide what type of content you are going to produce. Some people choose to produce long-form videos, while others choose to produce short-form videos. Other people choose to do an interactive show, where they answer questions submitted by their audience. It is also possible to produce a mix of both long-form and short-form videos. However, you will need to make sure that your videos are unique and interesting. You will also need to make sure that you are providing value to your audience.

How to grow your YouTube channel
If you would like to grow your YouTube channel, then it is important to have a good strategy in place. You should also make sure that you have a good plan for your videos. You should also make sure that you are consistent and don’t miss uploads. For example, if you know that your video will be uploaded on a certain day, then you should make sure that you are uploading that video before that day. If you do miss an upload, then you should make sure that you upload it as soon as you can. You should also set up a schedule for your videos. If you have a certain number of videos that you want to upload each month, then you should make sure that you are uploading them in order. You should also make sure that you have a good plan for your videos. For example, you might want to create a list of what types of videos you will upload each month. You might also want to create a list of keywords that you want to use in your videos. It is also important to make sure that you have a good plan for your videos. For example, you might decide that you want to make videos about a certain topic each month. You might also decide that you want to

Conclusion.
YouTube is a great platform for many different types of content creators. If you want to grow your YouTube channel, you need to focus on three main areas: content, engagement, and monetization. Content is the most important aspect. You need to make sure that your content is engaging and educational. People need to learn something new and enjoy it in order to share it with their friends. Engagement is important because it helps you to build a community around your channel. Finally, monetization is important because it can help you to grow your channel and make money.

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5 Reasons Why Web Development is Important

What Is Web Development?

Let’s start with the web development definition and explanation for business. This area of expertise covers all aspects of website building, including the user interface and hosting.

. Layout and design;

. Content creation;

. Network security;

Front-end, back-end scripting.

The front-end dimension encompasses all elements that users can interact with and see, including buttons, images, menus, and other items. The back end is similar to the foundation of a house. It contains databases, servers, and other “behind-the-scenes” features.

Professional development teams will design a fully functional and visually appealing site to promote your brand and drive sales. These services are in high demand. The Bureau of Labor Statistics (BLS) predicts that web development will increase by 8% in 2029, which is higher than the average.

Companies may choose to use drag-and-drop builders such as the WordPress template, instead of hiring web developers. Their limited functionality doesn’t allow brands to create an unforgettable, unique, and personal experience. You can use web development to your advantage:

Build Trust
Poorly designed websites are a red flag. Consumers are used to perfect navigation and design. Your e-store will only sell a few customers if it looks outdated. Companies that don’t keep their design and content current are considered shady. Web design is an excellent investment that will increase engagement and help you guide your visitors through your sales funnel.

It is important to make a first impression. A user only takes a few seconds before they form an opinion. Are they going to stay on your website or leave? Potential customers will leave your site if they don’t like it. Without a professionally-looking site, you are guaranteed to miss out on leads.

Websites are like customer service representatives. Your website is a way to show your audience how you treat them. Deterrents include poor navigation, outdated content, and sloppy design. These deterrents signal to your audience that you don’t care about them.

Attract valuable search engine traffic
SEO is a vital promotion strategy for every business. Google rankings matter no matter what niche you are in for organic traffic. Optimizing is the only way for you to reach a wide audience in highly-censored industries such as cannabis.

Most consumers find products and services online. Your visibility in search engine results pages (SERPs) determines how many people click on your link. Google considers around 200 factors regarding your site’s on-page (content layout, mobile optimization, and backlinks).

Your website will be seen by more customers when they search for it. This will increase the number of visitors to your site and convert more people into customers. No matter what your goal is, whether it’s sales or subscribers, you will need an SEO plan that your website can support.

Optimizing your website for the correct keywords is essential to web development. These keywords should be used sparingly and naturally in the content, title, description, image tags, and other elements. Proper optimization is essential to rank high in the SERPs. Optimized sites allow their owners to:

. Drive sales with no ads;

. To assess marketing efficiency, calculate ROI;

. Get insights into the target audience.

. Increase credibility and trustworthiness.

. Increase leads and conversions.

Create an online presence
Websites can be accessed 24/7, 365 days per year. Websites are not tied to any particular location. Customers can access information about your products and services at any hour of the day. Businesses can grow quickly with a strong online presence.

Web development is essential today, as virtual services have become indispensable to the global pandemic. Because they operate from their own locations, small businesses can cut down on costs.

Make use of online marketing
Advertising in the media is expensive. The website is the foundation and reference point of digital marketing efforts. All posts on social media and Google Ads must link to the landing pages of that platform.

Websites are more important than social media. A well-designed store says a lot about the company running it. It conveys expertise, reliability, and experience.

Beat Your Competitors
No matter your industry, your best competitors will have used professional web services. You will be outranked by your competitors and lose business leads if you have a good-quality website.

Invest in high-quality UX/UI to make your business stand out. Highlight the unique features of your products and services. Your audience should immediately see why you are better than other companies.

Your brand can only be made memorable and recognizable by consistency in its aesthetics. A custom development team will adapt your company’s colors, styles, and logo to every web page. Strong associations can be built by a comprehensive approach to design.

More people will notice your website and become familiar with your business. You will eventually get more leads and converts. Not an option, professional design services are essential.

Final Word

These are just a few of the many reasons why web development is so important. A solid web presence is essential for every business.

Each dimension of web development, front-end as well as a back-end, requires unique expertise. Web builders will always be superior to custom-made platforms. To showcase your products and services and to generate sales, hire an experienced team. Building a custom website will provide long-term benefits that far outweigh any initial costs.

GCTLINFOSYS is a software development company that provides cutting edge customized software and Apps development solutions, E-commerce and Website development, Professional SEO and Digital marketing services.

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How is Parkinson’s Disease Treated?

Parkinsons disease is a comparatively common condition of the nervous system which is as a result of problems with the nerve cells in the part of the brain which generates dopamine. This is a chemical substance that is needed for the smooth management of muscles and motion, so the symptoms of the disorder is a result of a reduction of that chemical. Parkinson’s disease mostly impacts individuals aged over 65, but it can and does come on at younger ages with 5-10% developing before the age of forty.

The chief clinical features of Parkinson’s disease are a tremor or shaking, that will commences in one arm or hand; there is often a muscle rigidity or stiffness along with a slowness of motion; the stance gets more stooped; additionally, there are equilibrium concerns. Parkinson’s can also cause greater pain and result in depression symptoms and create problems with memory and sleep. There isn’t any specific test for the diagnosis of Parkinson’s. The identification is usually made primarily based on the history of the symptoms, a physical along with neural evaluation. Other reasons for the signs and symptoms also need to be eliminated. There are imaging assessments, such as a CAT scan or MRI, that can be used to eliminate other issues. From time to time a dopamine transporter diagnostic might also be utilized.

The actual cause of Parkinson’s isn’t known. It does appear to have both genetic and environmental elements with it plus some specialists think that a virus may induce Parkinson’s as well. Decreased amounts of dopamine and also norepinephrine, a substance which in turn is responsible for the dopamine, have already been found in those with Parkinson’s, but it is not yet determined what is causing this. Unusual proteins which are named Lewy bodies have been located in the brains of those who have Parkinson’s; nevertheless, experts don’t know what role they may play in the development of Parkinson’s. While the specific cause just isn’t known, studies have identified risk factors that establish groups of people who are more prone to develop the condition. Men are more than one and a half times more prone to get Parkinson’s as compared to women. Caucasians are much more prone to get the condition as compared to African Americans or Asians. Those who have close members of the family who have Parkinson’s disease are more likely to develop it, implying the inherited contribution. A number of toxins could raise the potential for the problem, implying a role of the environment. People who experience difficulties with brain injuries can be more likely to go on and have Parkinson’s disease.

There is no identified remedy for Parkinson’s disease. That will not imply that the signs and symptoms can’t be handled. The main method is to use medicines to raise or replacement for the dopamine. Balanced and healthy diet together with frequent exercise is crucial. There may be changes made to the surroundings at home and work to keep the individual involved as well as active. There are also some options sometimes for brain surgical treatment which can be used to relieve some of the motor symptoms. A diverse team of different health professionals are often involved.

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Understanding the Impacts of Gout

Gout is among those historical problems because there are numerous mentions of it in historical literature, at least since ancient times. The traditional typecast of it is that it is related to the upper classes that binge in alcohol and certain foods. This image was pictured in early art work illustrating people who had gout. Gout has stopped being viewed as a problem of over consumption, because of the current research demonstrating an important genetic component to it.

Gout is a distressing inflammation related disorder which mostly impacts the joints, most commonly the great toe joint with the feet. It is because of uric acid crystals getting placed in joints in the event the bloodstream uric acid quantities are increased. The uric acid comes from the breakdown of purines which come from the consuming of foods like venison, salmon, tuna, haddock, sardines, anchovies, mussels, herring along with alcohol consumption. It is possible to understand how that old misconception was produced according to the overindulgence of the higher classes in those types of food and alcoholic beverages. The actual problem is not really the quantity of those foods which can be consumed, but the actual genetics of the biochemical pathway which usually breaks the purines in these food items down into the uric acid and how your body deals with it.

While diet is still important in the treating of gout and lowering the quantity of food which have the purines with them continues to be considered essential, however it is becoming apparent recently that this is just not sufficient by itself and just about all those who have gout probably will need pharmaceutical management. It goes without saying that drugs are likely to be needed for relief of pain throughout an acute flare up. The acute phase of gout is extremely painful. Over the long term there are two forms of drugs which you can use for gout. One kind of medicine block chemicals in the pathway which splits the purines into uric acid, which simply implies there will be much less uric acid in the blood stream that could find its way in to the joints to trigger an acute episode of gout or lead to the long-term gout. The other main kind of drug is one that can help the renal system remove much more uric acid. This would also reduce the urates in the bloodstream. Generally, only one of those drugs is all that’s needed, however occasionally both are needed to be utilized at the same time. Since these prescription medication is ordinarily pretty successful, that will not indicate that the life-style and eating habits changes may be pushed aside. Local measures, including wearing good fitting shoes if the big toe joint gets too painful is important. Also ice packs during an acute flare up will also help with the relief of pain.

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