INSURANCE

   FINANCE & Insurance

The organisational structure of financial system include three elements that is financial markets financial institutions and intermediaries and financial products.
financial market it provides channel for mobilizing saving to investment.financial market provides forms for saving and various form also in which the investor can ties funds.the financial markets have two major components i.e.money market and and capital market.
Money market the money market refers to the market where borrowers and lander exchange mum short term funds how to solve there liquidity needs.
capital market the capital market is a market  for financial investments that has direct as well as indirect claims to capital it is wider than the security market and marches all form of landing and boring whether or not evidenced by the creation of negotiable financial instrument securities market also consists off to market these primary market secondary market.
1.Primary market- the market where in resources mobilized buy companies throw issue of new security is called primary market belly show of securities by companies and can take place in any of the following methods Initial public offer,further issue of capital,right issue to the existing shareholders.
2.Secondary market-Secondary market deals in securities already issued.In it direct investor and investor relation is established.In secondary market existing shares are exchange through stoke exchanges.
FINANCIAL PRODUCT- financial product means a bag of instruments in which the investor invests funds. -orderly development of financial products
-protection of intrest of investors.
Thus securities market comprises of 3 essential factors as categories of participants,namely the issuer of securities,investor of securities and the intermediaries

FINANCIAL INSTITUTION AND INTERMEDIARIES-     It works like a bridge man between lender and borrower financial institution include development bank commercial banks now banking financial companies and insurance company intermediaries i like stock brokers merchant banker lead merchant banker etc.intermediaries may act as agents to match the needs of the suppliers of funds, intermediaries stablish ing direct relationship between the suppliers of want and suppliers of securities,help them in creation and sale securities as buy the securities issued by the supplier  of securities and in turn sell their owner Relationship between the suppliers of funds and suppliers of securities securities to suppliers of funds. thus intermediaries establishing a direct

Pollution

 POLLUTION 

 Now a days pollution is in-creation day by day which is harming our environment directly and indirectly us .
 pollution mainly is caused by vehicles , industries . Pollutants that are come in the air form particles called aerosols , these particles are harmful for us. These particles in the atmosphere affects the scattering and absorbing solar radiation, thus  lead to alteration of cloud formations.

 It is giving an adverse effect on life of people. global warming is the main effect caused by this pollution. the record of pollution is increasiing as the time passing. polluution are of different types -
< water pollution - the pollution caused by water .
< air pollution - pollution caused by air and harmful gases and pollutants in the air.
< noise pollution - pollution due to  noise produced .
< soil pollution - pollution caused to land by materials on it like polybags and other things , polluition caused by soil or land .

Various type of pollution cause various disease  like breathing problems , skin problems and many more harmful disease which are harmful for human beings as well as animals and all living beings,  
          Measures should be taken to control or stop air pollution .If this will not be stopped if will gives its adverse effects on life ou earth future is being eroded by pollution.

Domain Registration

Cheap Domain 

Go Daddy is one of the leading brand in selling of domain . If anyone wants to purchase any kind of domain you can buy it from the named site. Domain are very useful for any website. If you are thinking to buy any domain then Go Daddy is the best place for you. You can search any kind of domain here and purchase from here. If you want to purchase any kind of domain cheap or expensive then this is the right place. Domain is a unique identity of any website . Every website can be easily identified by using its domain name. Every website has a different domain name from other website. If you use another company domain name then its a crime under torts so do not use another company domain name buy your own company domain name . 

         There are different kind of domain names are available on site you can choose any of the domain name available on go daddy according to your convenience. By using domain name you can get more visitors to your website because it is easy to find any website by using domain name. The range of domain are starting from very less amount only isn't it so cheap so what are you waiting for just check go teddy and buy your own domain name.

It provides dozens of cloud based services and is the  largest worldwide mass-market hosting provider by annual revenue  according to Tier1 Research (Mass-Market Hosting Report-Winter 2011) and  is the #1 provider of net-new SSL certificates for 2011, according to  the Netcraft, LTD Secure Server Survey.

Tax Help

TAX HELP & TAX ATTORNEY

In today's world all of us need for paying minimum amount of tax from income or for business etc. Tax is the amount of tax rate fixed by the government and are different for other countries. This amount is fixed by the government and paid to them by us which is used by government for our country welfare. Their is a tax authority department made by the government which charge tax.

 Tax authority charge tax according to flab rate, it is different for different  countries. Flab rate is the fixed rate decided by the tax authority it is decided according to the level of people earning .Their is no tax liabilty for the people whose income is under slab rate and for senior citizen flab rate is different .
 We want our income tax to be paid at less amount , a business man want to save the tax as if he shows more income he will have to pay more to the department for this people hide the income and shows less income and less profit so that he have to pay less amount to the government. income from the property, business, working in company etc. all of us want to save it .

For paying minimum amount of tax we can use some methods taking loan from the bank then we have to pay the interest and automatically our income is affected and by showing this loan we can be safe for paying high account of loan. If we take policies we have to pay the premium and automatically our income is affected and could pay to less tax amount , from many other ways we can reduce the amount of tax by using this policies we can pay less tax and these policies are legal .

Tax is citizens liability , we should pay tax on time government uses this money for development in our country. We can save our money and can pay less amount of tax by using all these methods with different ideas.

Loans

LOANS 

Loan is a kind of financial function in which one person gives money to another person with this believe he will return it in future after a specific time period. The  borrower may be given the entire amount in lump sum or in installments. Loans are generally granted against the security of certain assets. A loan is normally repaid in installment it may also be repaid in lump sum. Interest is charged on the loan amount, the interest rate may be different on different kinds of loans.There are 5 types of loans-
1.secured loans
 2.unsecured loans
 3.demand loans
 4.subsidized 
5. concessional loans
                                  Advantages of loans are like today bank provides, loan for many things like car loan,home loan,education loan. It is very helpful for poor families and middle class families because they can not arrange the entire amount in one time. So if you want to purchase a car, a house but don't have the entire amount at that time  loan is the best option for you. You can easily take loan from bank for these purpose.  

           Disadvantages of loans
- Are bank does not provide loan easily we have to fulfill its requirements in some cases. They check your financial status if their requirements satisfy with your financial condition they will give loan otherwise they refuse, the interest rate may be high on housing loan and car loan. If you became insolvent and not able to pay the loan amount bank will seize your security asset. Students can also apply for loan as in U.S students rate of taking loan is very high. About two third graduates taking education loan in U.S, people taking loan are shown.

          Loan are very important to us as we can give money in installments and can buy anything and can incest or use wherever we want. Loan is taken in every country and are successfully useful for people to fulfill their needs.The only thing is that the interest is high but at useful stage it is helpful for us and can be taken for us in a positive way. 

Online college Degree

                                      Online college degree

Universities are the success related topics of today's of everyone and the main problem and a question that we have in our mind is how we can pass or could cross the cut off or get top in that and are really confused about that what we have to do for it.

People have made a passing, clearing and getting top in all as a sign of danger but the thing is that we only think of the result for that and as a result our self made confidence is loosed and the rate of studying and our hard working becomes slow which results in failure many people could be more intelligent than us but you can think that if it is than their are many people that are behind us.
        These important for many should try harder in that by planning and the way as explained which will be very helpful. Never think of others just go for your goal they are not your mirror image or a mirror that if you are watching others you will see your image in them it is not like that, it is same as we have seen in movies in which a runner lacks behind and looses his run while seeing his opponent. Many people say never loose hope and keep trying, it is the best point out of all according to me.

   Make strategies on how you will get admission which will help to complete and achieve your goals for online studies. Make a day to day chart a schedule in which you will have to divide your syllabus and your topics according to your time in the day and just keeping your goals completed for everyday we all know when we see our work in bulk we think that how we will complete it and our confidence goes on decreasing so we will decide of the one to one day plan so that we can execute it. This plan like their are 2 chapters in and total 20 topics so make according to you and divide and study with confidence and feel the same you will be definitely successful in life and your exams just keep in mind of the planning before you study and study smart for online study.

Study Abroad

STUDY ABROAD 

Education is the only way to success and man people want to study in the best institutes and colleges for this we want to tell you that there  is a very good scope in studying to the abroad countries outside your own country you will be thought best study techniques and with best professors. Just think big and just study to the best colleges to make your future and make your way to good carrier in the future job opportunities because of your college. There are many good colleges like oxford etc. People use to go for best colleges in this world and they want their future to be secured and for this only they used to go to the good colleges only investment of some for only studying will make your carrier. There are many colleges out in the countries.
This is your carrier time you should not think much and just make your own way. There are many things which make you feel proud for studying abroad and this i am only telling you because i do know about this. We don't go to other colleges and institutes because we think it costs much to us so we drop the plan for this there are many things we can do to make it possible for us. Some people do part time job and study side by side. One of my friend is studying and he says there is a scope for his future and he is successfully and easily doing his degree and courses out in the different and best colleges in the countries. They will provide you the best environment and a good and best facilities.

  I am saying all this because i am thinking of this but want to tell all of you as people from all over the world thinks of a well educated people and studied from the college from best and all from a good college. Don't just think of the money crises and mother and father for this studying because this will somehow someday make them proud for the big side of the heart. Colleges prefer to higher study plays a very important role in the studying in the higher education. Higher education  do require a very best studying and technique for practice and technical stuff. Colleges out in different countries provide best studying experience for you your investment on the studying will not go waste and mainly can be also said that your life experience and the studying your carrier right way to success will not go waste. Your knowledge is important in studying and for this you will need a good college and you will have to crawl on google, bing, yahoo etc. and you can see various colleges studying stuff for outside your preference and your admission will cause to your success. You can choose your course you want to study for your carrier option.
You will see various colleges that will be best for you but just make sure about the originality of the college or institutes. They could take their personal exam or various for the admission in that college or institute. Courses that they made for us to study is just the same we study local. Different people or we can say different students study in different countries from going to another like people from other countries do, all can do the same this all i am all telling is because you should study within good and best colleges and should compromise  with the place and should study for you future for the best.  The only thing is that we should study hard but with a good shelter means with a best college and a best institute. They will provide you the best study material you want for studying with best and make your own way to the best environment and study.   

Medicine

Medicine 

    

Medicine from early age, are very useful for all of us as we when need it for saving our life means get rid of several diseases. Medicines are of different types like homeopathy, ayurvedic, allopathy. From the ancient history age people to have medicines made from herbs their were no allopathy. We need medicines when we are suffering from any disease or any happen to us. These are not only useful for people but also for plants and animals too. Different medicines are made accordingly for animals, plants and humans.

     As from the past, the time passed many new dis came into known and to stop and control the the diseases many new medicines were made as a life saver as it was the only treatment a human could get of that disease. positives effects can be seen of medicines in human life. now a days some people are dependent on medicines as to sleep they take medicines, capsules for headache and for many more things. today's science in medical have increased their re many solutions operations,surgery for most of the thing which we could utilize as a source if necessary. Mediscience says that medicines are good for us but taking as a only need is not good for health,we should not be depended on it and should take it as a source. taking more and for long time of this could harm our liver.

   Ayurvedic is also be called as a natural treatment of by herbs or using a nature related things. It is effective but needs more time to cure but it removes the diseases from the roots of it. Homeopathy are also related to this some kind of solution is made naturally or can be a base but cures same as in more time than allopathy. these are the three medicated branch of medicines. The only positive thing about the homeopathy, ayurvedic is they have no side effects. today science have achieved success in medicated things but still has to continue its increasing positives effects for many dangerous diseases. Only want to say is that proper use of medicines cure us when needed and are very helpful for us.

HAIR CARE in WINTERS

HAIR CARE in WINTERS

In winters we should care for hairs as well as skin. In winters when the cold winds touches hairs it became difficult to take care of them. Taking care of hairs is very essential in winters if we want shiny hairs in winters also.

All you want silky shiny hairs like the stars follow the simple hair care tips these tips will surely help in getting your favorite type of hair. These simple steps solves all your skin care problems.

*When you are going out wear a hat or scarf so the cold wind can not damage them.

*Do deep conditioning treatment once in a week by doing this the natural moisturizer of the hairs remains the same.

*In winters do not do shampoo regularly do it twice a week so the hairs do not become dry.

*Please make sure your hairs are dry when you going out because when the cold wind touches the wet hairs then the risk of damage and dry is high.

*Trimming is very much important .you should go to the salon for trimming once in a months if you do not want to face the problem of split ends.

*Simple style looks best in winters. Keep your hair cut simple because styling creates more risk of damage.

*Use extra virgin olive oil in wet hairs. Cover it with a plastic cap or a hot towel. Hairs will be repair by this.

*Do not use alcoholic product and do not use hair straighter, hot iron or colors hairs will become damaged by this.

*Ignore the use of hair dryer, winter hair mask.

*2 white part of the egg, 10 teaspoon of bear, caster oil and honey mix all these ingredients use this mixture into the roots of the hairs. Cover it from plastic cap or towel . Wash it after 20 minutes and for final rinse use apple slider vinegar. Apply this mask twice a week it is very good for dull hairs.

*Blend 2 bananas in mixture make a paste of them mix 2 teaspoon Masonite, 3 drops of lavender essential oil or 1 teaspoon olive oil in this paste . Apply this paste for 30 minutes into hairs wash it with lukewarm water. You can also keep this mask in freeze.

*Make a paste of a potato Mix 2 teaspoon of Oliveira  gel  and honey  blend it carefully, massage your hairs with this mixture for sometime. Cover your hair with shower cap or towel. Wash your hair after 2 hours with lukewarm water use this mask once in a week.

* In one glass raw milk mix 2 teaspoon honey. Apply this mixture on your root shampoo it after 25 minute.

* 2 eggs and 1 pack of small clay sand are mixed together now we will make the paste of them and now by adding gulabjal or rose water in the mixture for that paste and now we will apply it to our hairs and now let it to take time to upto 25 minutes and after that we will clean it from the fresh water and remember that we will not use any shampoo or conditioner or anything. Note that it will make a bad smell but it will be removed from time, so be relax for this.

* Blend 5 stawberries in a mixture a make a paste of them, mix a white part of egg in it and 2 tablespoon of olive oil. Apply it into hair and wear plastic caps, wash it after 20 minutes with a mailed shampoo.

*Blend 5 strawberries in a mixture and make a paste of them, mix a white part of egg in it and 2 tablespoon of olive oil. Apply it into hair and wear plastic cap. Wash it after 20 minutes with a mailed shampoo.

 * In winters scalp become dry that is cause of dandruff for this mix lemon juice in coconut oil massage into scalp massage it for 20 minutes. wash it after 30 minutes with milled shampoo.

 * Prepare a mask of curd and lemon juice use this anti dandruff mask into hairs scalp and hairs, wash it after some time with cold water. Curd cleans the scalp and lemon cleans the dead skin cells.

 * Boil hibiscus flower or leaves of hibiscus flower when it become cold make a paste of the leaves, mix lukewarm coconut oil in it massage hairs with this mixture keep this mixture on hairs for 20 minutes , it keeps away the dandruff .

Blended material should be fine enough for a soft use.

These are the steps how we can be safe from the particular environment conditions , as to be safe for the hairs the environment can’t change but we can do some of these for new and new things for safeguard hair. Both men and women have to take care this time of the hair as they are the important part of us who resembles the beauty and the character of an individual. Hairstyles are necessary but hair of them should be the first step among all we did, these are the homemade tricks which can help you out. Winter are coming and will come for this we have to think of the hairs and the ofcourse environment pollution outside.