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Source: https://ownerbusiness.org/feed/

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<title>Owner Business | The Business Blog</title>
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<title>How to Choose a Communication Platform As a Service</title>
<link>https://ownerbusiness.org/how-to-choose-a-communication-platform-as-a-service/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 15:36:18 +0000</pubDate>
<category><![CDATA[others]]></category>
<guid isPermaLink="false">https://ownerbusiness.org/?p=7894</guid>
<description><![CDATA[https://pixabay.com/photos/student-typing-keyboard-text-woman-849822/ Enterprise communication is always challenged to keep up with trends, times, and technologies. CPaaS innovation (Communication-Platform-as-a-Service) has recently tried to remedy this recurring challenge. For many businesses, CPaaS enables the integration of various communication applications, such as WhatsApp messaging, SMS, and automated emails, into new or existing software. This helps them eliminate the need […]]]></description>
<content:encoded><![CDATA[<a href="https://pixabay.com/photos/student-typing-keyboard-text-woman-849822/" target="_blank" rel="noopener">https://pixabay.com/photos/student-typing-keyboard-text-woman-849822/</a>
Enterprise communication is always challenged to keep up with trends, times, and technologies. CPaaS innovation (Communication-Platform-as-a-Service) has recently tried to remedy this recurring challenge.
For many businesses, CPaaS enables the integration of various communication applications, such as WhatsApp messaging, SMS, and automated emails, into new or existing software. This helps them eliminate the need to create new app structures and develop flexible omnichannel communication tools to improve customer experience.
As with every technology solution, the many CPaaS providers make choosing difficult. Yet, <a href="https://ownerbusiness.org/tech-is-only-effective-if-companies-know-how-to-use-it/">tech is only effective</a> if a company uses it well. Here are some things to consider when selecting a CPaaS provider:
<h2><a id="post-7894-_wc9zbql7kefx"></a>Ease of Implementation and Languages</h2>
When choosing a CPaaS provider, choosing one with languages or technologies unfamiliar to your team makes no sense. Equally, there is little point in selecting a provider that doesn’t provide ready support if the integration becomes difficult and beyond your team. A provider should have the most common communications API languages. This will make the implementation and support easy. It would help if you also considered the provider’s initial onboarding and their level of implementation support.
<img fetchpriority="high" decoding="async" class="shrinkToFit aligncenter" src="https://b2bblogassets.airtel.in/wp-content/uploads/2022/02/CPaaS-cloud-communication-scaled.jpg" alt="Communication Platform" width="1169" height="643" title="How to Choose a Communication Platform As a Service 2">
<h3><a id="post-7894-_t9oqo3aexzkm"></a>Developer Community</h3>
Before you settle on a CPaaS provider, check their <a href="https://www.uctoday.com/unified-communications/cpaas/how-to-choose-your-next-cpaas-provider/" target="_blank" rel="noopener">developer community</a> and what they talk about. Developers reach out to online forums and their online counterparts when they face a problem with a code. Ensure the provider has an active and supportive developer community and forum before subscribing to their service. This can also be a great source of knowledge for your team and reassurance of available support.
<h3><a id="post-7894-_obqm82b459jx"></a>API Availability</h3>
Communications as a platform is a broad service that includes several other types of communication technology and styles. Most leading CPaaS solutions are equipped with SDKs and APIs for easy implementation. A <a href="https://www.syniverse.com/products/cpaas-concierge" target="_blank" rel="noopener">CPaaS provider</a> you choose should provide a range of communication or messaging APIs for your <a href="https://ownerbusiness.org/">business</a> needs, such as:
<ul>
<li>SMS API</li>
<li>WhatsApp Business API</li>
<li>Facebook API</li>
<li>Telegram API</li>
</ul>
You can also consider other types of API that allow for video or voice calls, emails, push notifications, RSS feeds, or emergency service calls. This will enable the service to integrate with an endless list of your applications’ communications features.
<h2><a id="post-7894-_qee4yv1t1cx2"></a>Reliability and Security</h2>
Businesses use communications as their key element in developing and maintaining customer relationships. For the security of your customer relationships, it’s imperative to choose a CPaaS provider that’s reliable and secure. The best provider should be transparent about their solution’s uptime and open about their software’s compliance with various data privacy security regulations, both nationally and globally.
<h3><a id="post-7894-_1azhbgd91kxh"></a>Customer Management</h3>
To many, customer management appears like a no-brainer, but it’s a critical component of a quality CPaaS provider. A provider should have an account manager dedicated to every customer. Consider whether the providers’ use cases, processes, and communication procedures fit your needs. Only settle for a provider that can serve you as a key customer.
<h2><a id="post-7894-_r1j5ah8k4y4h"></a>Endnote</h2>
A CPaaS solution should simplify and accelerate your digital transformations, regardless of where your business is in its journey. It should also have a great community to complement its customer service and support. Choose a CPaaS provider that fits your budget and provides unique features for your business and customer service needs.
]]></content:encoded>
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<item>
<title>Tips On Starting A Business With No Money & Bad Credit</title>
<link>https://ownerbusiness.org/tips-on-starting-a-business-with-no-money-bad-credit-2/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 14:47:22 +0000</pubDate>
<category><![CDATA[others]]></category>
<guid isPermaLink="false">https://ownerbusiness.org/?p=7788</guid>
<description><![CDATA[Starting your own business can be daunting, especially if you’re unsure if you can make it work or even get it off the ground. There are a few ways to kickstart your new company, even if you don’t have the funds or a good credit score, from creating a website and promoting your services on […]]]></description>
<content:encoded><![CDATA[Starting your own business can be daunting, especially if you’re unsure if you can make it work or even get it off the ground. There are a few ways to kickstart your new company, even if you don’t have the funds or a good credit score, from creating a website and promoting your services on social media to researching <a href="https://www.mcashadvance.com/small-business-loans/" target="_blank" rel="noopener">small business funding online</a> to give you a financial boost. Read on for more tips on how to start a business with a lack of funds and a bad credit score.
Think about your business idea. 
If you want to work for yourself and start your own business, you must think of an idea, a product, or a service you can provide to make a profit. If you’re unsure or can’t decide, the best place to start is to sell your services – something that you’re good at and think people would pay for. For example, if you’re a social media whizz, you could look at helping businesses with their online presence, or if writing is something you’re good at, offer a freelance service to those needing help. You could also choose a service like cleaning – this profession will always be required! Or you could set up a dog walking business. These services are easy to get started, as you don’t need expensive equipment or training to make them successful.
<img decoding="async" class="shrinkToFit aligncenter" src="https://www.cazbah.net/wp-content/uploads/2009/03/agenda-analysis-business-990818.jpg" alt="Business" width="1056" height="643" title="Tips On Starting A Business With No Money & Bad Credit 4">
Create a business plan. 
Once you decide what service you’ll offer, you must create a business plan. Taking the time to do this will allow you to plan how you’re going to grow your business and how you’re going to make it a success. You should include market research, so you get to know how other companies like yours operate. It would help if you also worked out how to market your new business and make it available to customers. A financial plan with projections, costs, and expenses would also be advantageous. This may seem like a lot of work, but having a plan in front of you can make it easier to see how your business will take shape and grow.
Develop a website or social media following.
This is one of the best tools for starting a business and can work well when offering a service or a product. Your website is a shop window where you can display all your goods and services, and the great thing about developing a website is that you can do this on a budget. It doesn’t require any previous knowledge – there are website-building platforms that can offer everything you need and are easy to use. You can promote your business on social media as a way of connecting with others who are in the same industry and promoting your product to potential customers all over the world. Social media is key in spreading the word about your new business.
Improve your credit score. 
If you’re struggling to start a business due to your credit score, you should do all you can to improve it, as this could open doors for you in the future. You can improve your credit score in a few ways, including regularly making repayments for outstanding debt, paying your bills on time and in full, increasing your credit limit, and checking your credit report for errors – something as small as a misspelled name could be bringing down your score. Improving your credit means you will be more likely to be approved for loans and various other finance options in the future.
Funding 
You may be wondering how you will get funding if you have a bad credit score – fear not; there are still ways to benefit from financial help so your business can grow. Small business loans are one-off lump sums given to new companies to get off the ground, and although you’ll need proof that you can pay back the loan, they can be helpful for a younger business. You could take advantage of a small business grant if you don’t qualify for a loan. These are sums of money given to a business by the government or local council that doesn’t need to be paid back. Taking the time to research grants could help kickstart your business.
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<item>
<title>How to create a resilient business culture</title>
<link>https://ownerbusiness.org/how-to-create-a-resilient-business-culture/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 13:21:43 +0000</pubDate>
<category><![CDATA[Industry]]></category>
<guid isPermaLink="false">https://ownerbusiness.org/?p=9231</guid>
<description><![CDATA[According to several recent surveys, a business with a resilient culture is more likely to keep its best employees engaged and successfully deal with disruptions. What is a resilient business culture? A resilient business culture helps its organization to adapt, recover, and thrive when encountering disruptions and challenges. A resilient business culture values continuous learning, […]]]></description>
<content:encoded><![CDATA[According to several recent surveys, a business with a resilient culture is more likely to keep its best employees engaged and successfully deal with disruptions.
<h2>What is a resilient business culture?</h2>
A resilient business culture helps its organization to adapt, recover, and thrive when encountering disruptions and challenges. A resilient business culture values continuous learning, flexibility, and innovation, enabling it to cope with setbacks and uncertainties effectively.
A resilient business culture encourages employees to embrace change, learn from mistakes, and take calculated risks. A crucial role in fostering this kind of resilience is played by leadership that promotes open communication, instills a sense of purpose, and provides support.
This allows a business to deal with external pressures, swiftly recover from attacks, and emerge stronger because of the collective effort demonstrated by its workforce.
<h2>The principles of a resilient business culture</h2>
A resilient business culture is vital to deal with challenges and uncertainties, and several principles contribute to creating and sustaining a resilient business culture.
<img decoding="async" class="aligncenter" src="https://cloudinary.hbs.edu/hbsit/image/upload/s--EmT0lNtW--/f_auto,c_fill,h_375,w_750,/v20200101/6978C1C20B650473DD135E5352D37D55.jpg" alt="business" width="750" height="375" title="How to create a resilient business culture 6">
<h3>Adaptability </h3>
An adaptable business responds to change and quickly shifts its operations and strategies. This requires cultivating a culture that encourages flexibility and innovation and proactively approaches new trends.
<h3>Diversity </h3>
A resilient business culture values diversity and recognizes that different backgrounds and perspectives enhance decision-making and problem-solving.
<h3>Effective leadership</h3>
Strong leadership is the foundation of a <a href="https://www.bluebeyondconsulting.com/blog/6-ways-to-build-a-resilient-company-culture/" target="_blank" rel="noopener">resilient business culture</a>. Leaders must communicate transparently, guide their business through adversity, and inspire trust. A resilient business culture fosters leadership at all levels, empowering individuals to contribute to the organization’s overall management.
Risk management is an essential part of a resilient business culture. It entails identifying possible threats, assessing their impact, and developing strategies to respond to or mitigate them. A resilient business culture can monitor risks, adapt its approach, and continuously learn from previous experiences.
<h3>Employee wellbeing</h3>
A cornerstone of a well-developed business culture is the well-being of its employees. Wellbeing involves physical well-being, work-life balance, flexible work arrangements, and job satisfaction. A resilient business culture recognizes employee well-being as a direct improvement of the organization’s overall health and creates programs to support it.
This can also include <a href="https://www.matrixdiagnostics.co.uk/workplace-testing/" target="_blank" rel="noopener">workplace drug testing kits</a> that benefit businesses and employees. Implementing a drug testing program has been shown to reduce onsite accidents, increase workplace safety, reduce employee absence, and generate a more peaceful atmosphere. Companies like Matrix Diagnostics can cater to and implement testing programs to meet a business’s needs.
<h2>The benefits obusiness’susiness culture</h2>
Together, these principles create a framework for a resilient business culture, emphasizing the importance of adaptability, diversity, effective leadership, employee wellbeing, and risk management in contributing to a business’s ability to continue in the face of modern challenges.
]]></content:encoded>
</item>
<item>
<title>Moneycontrol I Best funding practices to comply with in 2019</title>
<link>https://ownerbusiness.org/moneycontrol-i-best-funding-practices-to-comply-with-in-2019/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 11:42:51 +0000</pubDate>
<category><![CDATA[Investment]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=4627</guid>
<description><![CDATA[The 12 months gone with the aid of was now not an auspicious time for the markets. Returns had been flat, and maximum traders needed to face setbacks. Investors must be aware of uncertainties arising this year due to elections, coverage adjustments, or even macroeconomic worries from foreign markets. In this episode of Managing Money […]]]></description>
<content:encoded><![CDATA[The 12 months gone with the aid of was now not an auspicious time for the markets. Returns had been flat, and maximum <a href="https://ownerbusiness.org/five-difficulties-that-traders-face-in-forex-market/">traders needed to face</a> setbacks.
Investors must be aware of uncertainties arising this year due to elections, coverage adjustments, or even macroeconomic worries from foreign markets.
In this episode of Managing <a href="https://ownerbusiness.org/you-best-have-a-few-hours-left-to-spend-money-on-elss-to-keep-taxes-this-financial-year/">Money</a> with Moneycontrol, Kayezad Adajania discusses several first-class practices that traders ought to follow in 2019 to insulate their wealth from risk and maximize profits. 
You can now <a href="https://ownerbusiness.org/mutual-fund-investments-heres-all-you-need-to-know-about-smart-sip/">invest in mutual funds</a> with Moneycontrol. Download the Moneycontrol Transact app, a devoted app for exploring, studying, and purchasing <a href="https://ownerbusiness.org/when-is-a-good-time-to-exit-your-mutual-fund-investment/">mutual funds</a>.
<img decoding="async" class="shrinkToFit aligncenter" src="https://i0.wp.com/ketto.blog/wp-content/uploads/2022/01/Fundraising-Vs-Funding.jpg" alt="funding" width="1366" height="635" title="Moneycontrol I Best funding practices to comply with in 2019 8">
The U.S. Department of Health and Human Services, Office of Civil Rights is the chief enforcer of HIPAA. The Office’s latest enforcement of HIPAA, with appreciation for a Massachusetts derm exercise, illustrates the government’s perspectives on HIPAA and how prone clinical practices are.
Adult & Pediatric Dermatology, P.C. Self-pronounced a HIPAA breach (the theft from its workplace of an encrypted thumb drive with over 2,000 sufferers’ data relating to Moh’s surgery). The thumb drive changed into now not recovered. The practice notified all patients within 30 days and furnished the necessary media notice. Here’s the fault found with the aid of the authorities: 
1. The practice failed to behavior a correct and thorough analysis of the capability dangers and vulnerabilities to the confidentiality of the electronic Protected Health Information (ePHI) until after the robbery; 
2. The practice failed to fully comply with the administrative necessities of the Breach Notification Rule using having written policies and methods and in-provider schooling of office team of workers; 
three. The practice impermissibly disclosed the ePHI by presenting unauthorized individuals intending to be admitted to the ePHI for a motive not permitted by the Privacy Rule. 
Because of the preceding, the government required the practice toA. Pay <a href="https://moneyblo.com/saudi-arabia-sees-one-hundred-bn-investment-possibility-in-india-crown-prince-mohammed-bin-salman/" target="_blank" rel="noopener">$one hundred</a> fifty,000 and
B. Enter into and observe a corrective movement plan.
HIPAA protects Protected Healthcare Information (“PHI”) and imposes privacy obligations on “included entities.” It attempts to stabilize both confidentiality and <a href="https://geniuszone.biz/community-needs-health-assessment/" target="_blank" rel="noopener">the need for communication</a> among providers. Too many safety may want to gum up the works and defeat the transmissibility aspect of healthcare reform.
A few definitions could help: 
“Protected Health Information” is largely any records (in any shape) created or obtained by a healthcare issuer, fitness plan, and so forth relating to a person’s present, future, or future <a href="https://eftcorp.biz/a-prescription-for-the-health-care-crisis/" target="_blank" rel="noopener">fitness care</a> or payment. 
A “protected entity” is a healthcare issuer, <a href="https://geniuszone.biz/welfare-health-plans/" target="_blank" rel="noopener">health plan,</a> or clearinghouse. 
A <a href="https://ownerbusiness.org/an-outline-of-personal-and-business-loan-categories-and-their-uses/">“business associate” is a person</a> or entity that performs any feature or interest related to the use or disclosure of PHI on behalf of a blanketed entity and is not a member of the included entity’s body of workers.
<a href="https://tantso.com/whats-the-difference-among-google-pay-and-samsung-pay/" target="_blank" rel="noopener">Among</a> different things, the healthcare reform law (1) applies the application of HIPAA to Business Associates and (2) prohibits the sale of PHI. In addition to granting sufferers extra rights and PHI access, the brand new law: 
1. Prohibits the sale of PHI; 
2. Enables healthcare clients who pay for their healthcare to restrict their issuer from sharing PHI with their healthcare plan; 
three. Requires HIPAA-included entities and <a href="https://tradymoney.com/banks-client-long-lasting-loan-commercial-enterprise-shrinks-75/" target="_blank" rel="noopener">commercial enterprise</a> buddies to inform affected individuals of any breach in their unsecured PHI within 60 days. Covered entities in Florida have simply 45 days to record and 
4. Requires breaches related to greater than 500 humans to be <a href="https://theseofarm.com/how-to-create-a-social-media-report-a-step-by-using-step-guide/" target="_blank" rel="noopener">reported to HHS and the media</a>. 
The law is perplexing and complex. Covered entities <a href="https://geniuszone.biz/seo-suggestions-you-must-observe-in-2016/" target="_blank" rel="noopener">must have an in-depth decision tree to observe</a> toensuree compliance with the law. That stated, they need to be conscious that the following do now not constitute a HIPAA breach: 
1. Unintentional, appropriate faith acquisition, get entry to and use of PHI; 
2. Inadvertent disclosure of PHI from an authorized person to another legal individual; 
three. Unauthorized disclosures wherein the recipient would no longer have been reasonably capable of preserving PHI; and 
4. Access to secure PHI.
The bulk of economic information in many corporations is created, stored, and transmitted electronically, maintained through I.T., and <a href="https://ownerbusiness.org/practical-steps-to-managing-your-price-range/">managed through integrity procedures and practices</a>. For those reasons, compliance with federal requirements and the Sarbanes-Oxley Act (SOX) heavily depends on I.T. Companies that follow SOX are U.S. Public businesses, overseas filers in U.S. <a href="https://brandwizo.com/a-hundred-and-one-small-business-marketing-ideas-part-1-naming-logos-branding/" target="_blank" rel="noopener">Markets, and privately held businesses</a> with public debt. Ultimately, the corporate CEO and CFO are accountable for SOX compliance and may rely upon <a href="https://ownerbusiness.org/kids-company-finances-worried-me-in-2008-says-ex-minister/">company finance</a> operations and I.T. to offer vital aid. At the same time, it is the repreportingiveness of internal manipulation and reporting.
Sound practices encompass company-huge <a href="https://moneyblo.com/draft-e-trade-policy-ambitions-to-regulate-go-border-facts-drift/" target="_blank" rel="noopener">facts, security regulations, and the enforced implementation of those policies</a> for employees of all degrees. Information <a href="https://ownerbusiness.org/more-changes-need-to-be-made-in-safety-industry/">safety policies need</a> to govern network protection, get the right of entry to controls, authentication, encryption, logging, monitoring, and alerting pre-deliberate coordinated incident response and forensics. These components allow for facts integrity and data retention while allowing I.T. audits and business continuity.
Complying with Sarbanes-Oxley
The modifications required to ensure SOX compliance reach nearly all regions of a <a href="https://tradymoney.com/whistleblowers-letter-alleges-evergreening-of-loans-through-srei-business-enterprise-refutes-expenses/" target="_blank" rel="noopener">business enterprise</a>. Gartner Research went thus far as to name the Act “the maximum sweeping <a href="https://ownerbusiness.org/5-rules-for-profitable-stock-trading/">rules toaffectn publicly traded</a> organizations because of the reforms at some stage in the Great Depression.” Since the major businesses are stored, transmitted, and maintained electronically, one could logically finish that concept that defines the lion’s share of the responsibility for SOX compliance. Enterprise I.T. departments are chargeable, ensuring that company-wide statistics protection rules are in place for personnel in any <a href="https://eftcorp.biz/buying-a-house-with-no-money-at-all-100-financing-options-made-simple/" target="_blank" rel="noopener">respect</a> tiers. Information safety guidelines ought to govern the following:
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<item>
<title>Experts pick largecaps for investment in 2019</title>
<link>https://ownerbusiness.org/experts-pick-largecaps-for-investment-in-2019/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 11:03:15 +0000</pubDate>
<category><![CDATA[Investment]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=4645</guid>
<description><![CDATA[The market became notably volatile in 2018, but the benchmark indices controlled to close the year with single-digit profits. Swings in crude oil costs, rupee volatility, exchange tensions between the US and China, the liquidity crisis in non-banking finance groups, country elections, Fed charge hikes, and so on were great motives for a rangebound market […]]]></description>
<content:encoded><![CDATA[The <a href="https://ownerbusiness.org/a-volatile-world-is-sending-stock-markets-tumbling-but-dont-panic/">market became notably volatile</a> in 2018, but the benchmark indices controlled to close the year with single-digit profits.
Swings in crude oil costs, rupee volatility, exchange tensions between the US and China, the liquidity crisis in non-banking finance groups, country elections, Fed <a href="https://alienation.biz/economy-takes-a-breather-charge-hike-visible-sooner-rather-than-later/" target="_blank" rel="noopener">charge hikes</a>, and so on were great motives for a rangebound market in the ultimate year.
Most professionals experience some of the above motives, which may be dominant in 2019, similar to the <a href="https://brandwizo.com/lok-sabha-polls-and-stock-market-do-elections-genuinely-count-for-rally-in-sensex-nifty/" target="_blank" rel="noopener">Lok Sabha elections</a>, global increase worries, and profit recovery.
According to them, the first half of the year is expected to be unstable due to general elections. However, the second half is likely to be driven largely by income, macro, and global factors. Hence, double-digit declines in frontline indices cannot be ruled out, they said.
<img decoding="async" class="aligncenter" src="https://cdn.corporatefinanceinstitute.com/assets/income-investing-1024x576.jpeg" alt="investment" width="1024" height="576" title="Experts pick largecaps for investment in 2019 10">
Current macro-monetary situations and valuations are supportive and force expectancies of first-rate (10-15 percent) fairness return in 2019,” Sanjeev Prasad of Kotak Institutional Equities said.
He believes the marketplace is fair and valued even though the affordable valuations reflect robust profit revival over FY19-21.
The <a href="https://ownerbusiness.org/identify-a-niche-market-within-the-broader-audience/">broader markets</a> largely underperformed frontline indices, with the BSE Midcap index falling 13.4 percent and Smallcap dropping 23.5 percent in 2018, but this trend is likely to reverse in 2019.
“Midcaps and small caps saw a sharp correction in 2018, and several corporations with solid basics are available at much more reasonable valuations now. Given the overall robustness in earnings recuperation, 2019 might be a year of midcaps and <a href="https://ownerbusiness.org/how-to-manage-your-small-charitys-finances-top-tips/">small caps,” Harendra Kumar, Managing</a> Director of Institutional Equities, Elara Capital, informed Moneycontrol.
Here are the top 10 alternatives you will not forget for the portfolio. These <a href="https://brandwizo.com/heres-how-wave-styles-may-be-used-to-are-expecting-stock-market-motion/" target="_blank" rel="noopener">stocks are expected</a> to give 17-37 percentage returns in 2019, and at the cease of the contemporary yr, the average go-back will be 23 percent.
So if you can make investments of Rs 10,000 in each of the ten shares, which comes to Rs 1,00,000, they should grow the sum to Rs 1,22,658 by the end of 2019, with a 23 percent average.
The research house reiterated its outperform score primarily based on domestic pick-up, decreased <a href="https://brandwizo.com/middle-east-oil-giants-are-about-to-upend-oil-trading/" target="_blank" rel="noopener">Middle East</a> dependence (only six percent of total orders in the first half of FY19), sturdy coins flow, upside from divestiture, and valuation at around 16x September 2020 estimates EPC profits.
The upside surprise is likely from better margins on sturdy execution, budding non-public <a href="https://ownerbusiness.org/finding-the-best-investment-opportunities-now/">investment cycle opportunities</a>, and lower rating: Outperform a hundred, which might have a sustainable chance of more than 10 GW in step with annum. This stage of execution can power sharp EPS recovery and rerating.
The employer has brilliant working leverage, given a 42 percent contribution margin on incremental revenues on a low base. The target charge implies a 6x EV/EBITDA multiple on FY21E EBITDA and around 1x ebook.
Critical chance relates to the time taken for advantageous electricity sector dynamics to strengthen and become broadly recognized. Weak orders in any year, specifically in the near term, could affect sentiment. Large <a href="https://ownerbusiness.org/working-capital-management-and-commercial-finance-consulting/">working capital</a> publicity is a hazard.
<a href="https://tantso.com/view-modi-ought-to-starve-indias-state-banks-no-longer-celebrate-them/" target="_blank" rel="noopener">State Bank of India</a> has had numerous quarters of muted growth, while Sand BI has seen a pick-up in mortgage increases over the last few quarters.
After several years of pleasant asset stress, the research residence expects slippages to moderate in the coming quarters; <a href="https://tantso.com/8-credit-score-score-guidelines-that-specialists-swear-will-genuinely-assist-you-improve-that-range/" target="_blank" rel="noopener">credit score</a> charges have to normalize in FY20.
The <a href="https://ownerbusiness.org/how-to-choose-the-best-bank-account/">bank could see substantial recoveries in 2d 1/2 </a>due to multiple massive instances.
With <a href="https://ownerbusiness.org/when-is-the-best-time-to-buy-and-sell-stocks/">stock buying and selling</a> at around 0.9x FY20E middle P/B and going back on fairness predicted to improve to about 13 percent as credit score charges are slight, the research house maintained outperform name Target—Rs 815 gone through challenging times. It has borne the brunt of asset degradation over the last few quarters, but that is now converting.
The net NPA dropped from 3.09 percent in June to two to four shares in September 2019. We see the asset satisfactory enhancing over the next four quarters and may <a href="https://moneybill.us/govts-may-also-get-greater-power-to-tax-mncs-like-google/" target="_blank" rel="noopener">also</a> write back in a few instances.
The <a href="https://ownerbusiness.org/being-the-favourite-customer-of-financial-institutions/">financial institution</a> is well capitalized at 16.2 percent and has the best provision coverage ratio in the area at seventy-three percent. At the <a href="https://brandwizo.com/rupee-weakens-marginally-in-beginning-trade/" target="_blank" rel="noopener">beginning of year 2, year 9, there was also a trade</a> of guards at the top, which brought about an additional stock rating. We know a price goal of Rs 815 in a 112-month target: Rs 340 attractive intake stock from a chance praise perspective. It is the leading varied consumer company inside you. S .. Tobacco accounts for 44 percent of the sales and eighty-five percent of the EBITA.
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<title>How Does a CIBIL Score Impact Your Eligibility for Personal Loan</title>
<link>https://ownerbusiness.org/how-does-a-cibil-score-impact-your-eligibility-for-personal-loan/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 11:03:09 +0000</pubDate>
<category><![CDATA[Finances]]></category>
<guid isPermaLink="false">https://ownerbusiness.org/?p=5354</guid>
<description><![CDATA[You must have had plans for a vacation, purchasing a dream car, or any other personal expense for which you might have thought of opting for a personal loan. You must know that a personal loan is a short- or medium-term unsecured loan without constraint on its end-use. However, you need a CIBIL score to […]]]></description>
<content:encoded><![CDATA[You must have had plans for a vacation, purchasing a dream car, or any other personal expense for which you might have thought of opting for a personal loan. You must know that a personal loan is a short- or medium-term unsecured loan without constraint on its end-use.
However, you need a CIBIL score to qualify for a personal loan. <a href="https://brandwizo.com/this-financial-institution-is-disposing-of-all-costs-from-its-checking-and-savings-debts/" target="_blank" rel="noopener">Financial institutions check</a> your eligibility through your CIBIL score based on your history with previous loans and credit cards or your income. CIBIL allocates a 3-digit <a href="https://tantso.com/8-credit-score-score-guidelines-that-specialists-swear-will-genuinely-assist-you-improve-that-range/" target="_blank" rel="noopener">score ranging</a> from 300 to 900. <a href="https://tradymoney.com/lenders-financial-institution-on-non-public-loans-to-grow-retail-books/" target="_blank" rel="noopener">Financial institutions</a> risk losing money if you default, so they assess your credit history before approving your loan application.
A CIBIL <a href="https://bucksfund.com/well-diverse-credit-score-chance-funds-should-be-part-of-debt-investment-bouquet-deepak-agarwal-of-kotak-mf/" target="_blank" rel="noopener">score of 750 is considered favorable, but a score of nearly 900 increases your chances</a> of loan approval. It may also result in a reduction of your <a href="https://ownerbusiness.org/pay-day-loans-at-low-interest-rates/">loan interest rates</a>. If you score below 600, financial institutions might ask for steep personal loan interest rates. A good score echoes reliable credit behavior and enables you to negotiate a higher loan amount.
Remember that if you are eligible for a <a href="https://www.tatacapital.com/personal-loan.html" target="_blank" rel="noopener">personal loan</a> with a low credit rating, financial institutions will likely charge you higher individual loan interest rates, early repayment charges, and other fees.
Thus, before taking a personal loan, compare the individual <a href="https://ownerbusiness.org/an-outline-of-personal-and-business-loan-categories-and-their-uses/">loan interest rates, other loan terms, or your loan EMI using the </a>online personal loan EMI calculator to see who offers you the best deal.
Suppose you are concerned that your CIBIL score does not match the lender’s eligibility criteria. In that case, there are a few things you can do to improve your score so that you can get away with a personal loan at a favorable interest rate and a favorable term. Making your payments on time will help improve your payment history and creditworthiness. Avoid multiple loans, as they may <a href="https://economydiva.com/gst-council-may-additionally-deliver-relief-to-home-customers-tax-reduce-likely-on-residential-homes/" target="_blank" rel="noopener">reduce</a> your repayment capacity. Maintain a proper balance between <a href="https://ownerbusiness.org/secured-and-unsecured-loans-in-bankruptcy/">secured and unsecured loans</a>. <a href="https://alienation.biz/small-personal-loans-up-4-5-times-in-2-years/" target="_blank" rel="noopener">Personal loans might affect your balances for some time</a>, but make your payments on time. This will boost your <a href="https://moneyblo.com/good-credit-score-score-isnt-always-enough-to-get-a-mortgage-heres-why/" target="_blank" rel="noopener">credit score</a>. The real difficulty lies in consistently making these things over the long term.
So, to start with, decide the amount of loan you require. Then, compare the personal loan interest rates offered by different financial institutions. Use a personal loan EMI calculator to check the EMI you must pay every month. Make sure you opt for an amount you will deliver on time.
Once you are done with these steps, you can fill out the application form for the loan. <a href="https://moneybill.us/three-anti-money-laundering-trends-financial-institutions-should-know-in-2019/" target="_blank" rel="noopener">Financial institutions</a> will conduct their checks, including assessing your CIBIL score. It is rightly said that the first impression is the last. If your CIBIL score is below 600, <a href="https://moneybill.us/three-anti-money-laundering-trends-financial-institutions-should-know-in-2019/" target="_blank" rel="noopener">financial institutions</a> may not even consider your application. If your CIBIL score is good, then your application will be considered. Other factors, such as income, repayment capacity, etc., are considered. At this stage, it is solely the <a href="https://ownerbusiness.org/being-the-favourite-customer-of-financial-institutions/">financial institution’s</a> discretion whether your loan will be approved. A good CIBIL score alone does not guarantee the sanction of a personal loan.
Remember that CIBIL’s credit rating plays a crucial role in helping you qualify for <a href="https://ownerbusiness.org/quick-tips-to-get-a-personal-loan-approved-instantly/">personal loans</a>. However, <a href="https://tantso.com/are-banking-and-psu-finances-a-good-alternative-for-financial-savings-financial-institution-account/" target="_blank" rel="noopener">financial institutions </a>consider other factors, such as how much you earn, the taxes you pay, and how long you have been employed. A higher score may lower the <a href="https://www.tatacapital.com/personal-loan/interest-rates-and-charges.html" target="_blank" rel="noopener">personal loan interest rates</a>. You can also calculate the EMI using a personal EMI calculator before deciding. The process is quite convenient. So, check your eligibility and apply for a personal loan online today to fulfill your dreams.
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<title>E-commerce FDI policy bars foreign funding</title>
<link>https://ownerbusiness.org/e-commerce-fdi-policy-bars-foreign-funding/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 09:47:10 +0000</pubDate>
<category><![CDATA[Investment]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=4641</guid>
<description><![CDATA[On Thursday, the Centre stated that the Foreign Direct Investment (FDI) policy on e-trade no longer allows overseas investments into multi-emblem retail. The Department of Industrial Policy and Promotion (DIPP), in an announcement, assured that FDI is allowed most effective inside the enterprise-to-enterprise (B2B) e-trade section and no longer inside the enterprise-to-customer (B2C) segment, which […]]]></description>
<content:encoded><![CDATA[On Thursday, the Centre stated that the <a href="https://ownerbusiness.org/green-investment-bank-could-be-snapped-up-by-foreign-buyers/">Foreign Direct Investment</a> (FDI) policy on e-trade no longer allows overseas investments into multi-emblem retail.
The Department of Industrial Policy and Promotion (DIPP), in an announcement, assured that FDI is allowed most effective inside the enterprise-to-enterprise (B2B) e-trade section and no longer inside the enterprise-to-customer (B2C) segment, which in effect is the multi-logo retail or the stock-based totally e-commerce version.
“Certain averments advise that Press Note three/2016 had covertly allowed multi-emblem retail trading. Such a view is opposite to the specific provisions of Press Note 3/2016, which unambiguously stated that <a href="https://ownerbusiness.org/e-commerce-fdi-policy-bars-foreign-funding/">FDI is not approved in the inventory-based model of e-commerce</a>, which amounts to multi-emblem retail,” the announcement said.
<img decoding="async" class="shrinkToFit aligncenter" src="https://unctad.org/sites/default/files/2021-03/2021-03-15_eCommerceCOVID19report-1-1220x675px.jpg" alt="E-commerce" width="1143" height="643" title="E-commerce FDI policy bars foreign funding 12">
It also stated that FDI is allowed simplest in B2B e-commerce; an e-commerce entity presenting the market will not, at once or in a roundabout way, impact the sale fee of products or services, which also renders such <a href="https://economydiva.com/is-trad-homes-new-commercial-enterprise-version-the-future-of-magazines/" target="_blank" rel="noopener">commercial enterprise as an inventory-based totally version</a>.
The DIPP additionally stated that despite the rules no longer permitting an e-commerce player to steer the pricing of products, the authorities persisted in acquiring lawsuits that positive marketplace structures violated the policy and, in a roundabout way, engaged in inventory-based total versions.
“An e-commerce platform running an inventory-based totally version does not best violate the FDI policy on e-commerce; however, it circumvents the FDI policy restrictions on multi-emblem retail buying and selling,” the announcement confused.
The Commerce Ministry revised the FDI policy for e-commerce gamers in December. It barred <a href="https://ownerbusiness.org/how-an-online-company-store-can-help-build-your-brand/">online retail companies</a> like Amazon and Flipkart from selling products of groups in which they have stakes. It <a href="https://economydiva.com/yes-bank-co-founders-family-may-also-promote-stake-in-loan-finance-enterprise/" target="_blank" rel="noopener">also prohibited e-tailers from mandating any employer to promote</a> its merchandise exclusively on its platform.
Meanwhile, a delegation of CAIT on Thursday met the Union Commerce Minister Suresh Prabhu and prolonged the help of investors at the FDI policy.
A building at the fulfillment of P20 Pro, which had the arena’s first triple <a href="https://eftcorp.biz/sony-xperia-xa1-plus-released-at-ifa-2017-sports-activities-23mp-rear-digital-camera/" target="_blank" rel="noopener">digital camera set-up on the rear</a>, Huawei is likely to convey five cameras in return for its subsequent phone in the Mate series — the Mate 30 Pro, the media said, bringing up a new patent.
A patent filed by Huawei and submitted to the CNIPA (China National Intellectual Property Administration) has been posted. It shows a far larger cutout for a digicam array at the back of the telephone, Techradar.Com reported on Thursday.
The patent was at the beginning noticed via Mobielkopen.Net.
The five sensors can be clubbed with an LED flash to form a rectangle behind the Mate 30 Pro.
The agency’s contemporary flagship, Mate 20 Pro, features a triple camera machine, a complex construction, and top-notch internals, including the 7-nm Kirin 980 chipset.
Riding on the success of the P20, Mate 20, and Nova collection, Huawei said in December that its smartphone shipments 2018 exceeded two <a href="https://moneychill.biz/windstream-gets-access-to-four-hundred-million-in-bankruptcy-financing/" target="_blank" rel="noopener">hundred million</a> units, a new all-time high for the Chinese smartphone maker.
Huawei surpassed Apple to emerge as the world’s 2d-biggest telephone dealer within the global first within the 2nd zone of this year and then again within the 1/3 sector with a worldwide marketplace share of 14.6 according to a cent, in step with records from the International Data Corporation (IDC).
Huawei’s percentage inside the top-class global cellphone section hit double digits for the first time in the third area of 2018, which is in line with Counterpoint Research.
At a <a href="https://ownerbusiness.org/agencies-step-closer-to-offer-card-charge-facility/">charge of over 19 </a>percent, the global premium smartphone segment grew faster than the general smartphone section, which declined by five, consistent with a cent in Q3 2018, according to Counterpoint Research’s Market Monitor Q3 2018 file.
Abita Healthcare, a Gurugram-based fitness-tech startup, has <a href="https://alienation.biz/aavishkaar-bharat-fund-raises-rs-100cr-impact-investment-from-hero-enterprise/" target="_blank" rel="noopener">raised funds</a> from Sky7Ventures and others. <a href="https://ownerbusiness.org/you-either-read-this-or-lose-your-investment/">This is a seed investment</a> for the startup, and the amount invested has not been disclosed. Sky7Ventures is a Michigan, USA-based early-stage investor with a worldwide footprint.
The different investors in this Indian <a href="https://eftcorp.biz/finance-your-startup-in-the-community/" target="_blank" rel="noopener">startup </a>in the healthcare sector are Vignesh Ramanujam, Balasubramanian Sankaranarayanan, Navy Ramavat, and Swapnil Mehta. How a good deal each of them has dedicated to this spherical <a href="https://ownerbusiness.org/global-coal-and-gas-investment-falls-to-less-than-half-that-in-clean-energy/">investment is also not clean</a>.
The two founders of the startup are doctors Jatin Kakrani and Avi Ramavat. They have related a control graduate, Jitesh Kakrani, inside the mission. The enterprise model of Abita Healthcare includes an incorporated operations answer for scientific practitioners in walking their clinics. Starting with just a handful of clients in November 2017, the startup now boasts 40 such clinics that have adopted their program. These are unfolding across three cities: Indore, Pune, and Ahmedabad.
They help digitize the whole method flow in a medical institution and automate exceptional operations into a cohesive glide of facts. The spotlight of the imparting from Abita Healthcare is the module Doc32, a complete tool within the arms of the doctors. The second an affected person walks in and makes the registration, a display opens at the reveal of the physician with tabs that study Complaint, History, Diagnosis, Counselling, Treatment, Prescription, and Invoicing.
In addition, the general performance of the <a href="https://bucksfund.com/student-money-management-offices-pass-to-unl-health-center/" target="_blank" rel="noopener">health center</a> is made into an analytical statement and displayed.
The funds now obtained may increase the geographical reach of the startup’s provider to other towns and feature the overall product blend.
Another <a href="https://eftcorp.biz/interesting-facts-and-examples-of-how-advertisements-work-on-kids/" target="_blank" rel="noopener">interesting fact</a> popping out of this document is that one of the traders in Abita in this round, Balasubramanian Sankaranarayanan, who’s the EVP head of Thryve Digital Health, brings his area knowledge in the zone and can be utilized using the enterprise. The promoters and management of the <a href="https://tantso.com/tax-alleviation-for-startups-effective-from-19-february-income-tax-branch/" target="_blank" rel="noopener">startup claim their products can </a>result in their cost reduction. While warfare occurs <a href="https://geniuszone.biz/india-among-top-5-countries-in-online-mobile-gaming-report/" target="_blank" rel="noopener">among online and offline shops in India</a>, foreign online entities like Alibaba’s AliExpress deliver products to Indian customers. Many of these packets are marked as gifts; however, the authorities are putting a stop to this.
This step follows reports from the Customs authorities that numerous sellers on systems like AliExpress, Shein, and Club Factory are promoting items to shoppers in India, sending them using couriers marked as ‘Gifts’. <a href="https://ownerbusiness.org/financial-savings-potential-slip-away-this-12-months/">This is accomplished to </a>avoid Customs obligations (now accumulated as GST). While imported into India up to a value of Rs 5,000, Genuine gifts are exempted from responsibilities/taxes.
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<title>How to turn out to be crorepati via making an investment</title>
<link>https://ownerbusiness.org/how-to-turn-out-to-be-crorepati-via-making-an-investment/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 08:13:48 +0000</pubDate>
<category><![CDATA[Investment]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=4633</guid>
<description><![CDATA[Public Provident Fund (PPF) is undoubtedly one of the friendly and safest investment options that allow you to gather a massive corpus for years and save earnings tax. The PPF account interest rate is eight, with a lock-in period of 15 years. Often, salaried employees in the excessive tax bracket deal with a PPF account […]]]></description>
<content:encoded><![CDATA[Public Provident Fund (PPF) is undoubtedly one of the friendly and safest <a href="https://ownerbusiness.org/investment-options-that-guarantee-safe-returns/">investment options</a> that allow you to gather a massive corpus for years and save earnings tax. The PPF <a href="https://ownerbusiness.org/zero-balance-savings-account-interest-rates/">account interest rate</a> is eight, with a lock-in period of 15 years. Often, salaried employees in the excessive tax bracket deal with a PPF account as an option wherein they can deposit some money as a final lodge to keep taxes closer to the end of the economic 12 months and before filing the yearly <a href="https://ownerbusiness.org/us-groups-tell-apple-and-amazon-to-place-planet-before-profits/">profits</a> tax go back. However, you may be amazed that such an exercise can put off your life’s financial goals through a massive margin.
The following illustration will show that the timing of funding may be critical if you <a href="https://ownerbusiness.org/making-investment-plans/">plan to make the maximum out of the PPF investment</a>. Take a look:
<img decoding="async" class="aligncenter" src="https://cdn.corporatefinanceinstitute.com/assets/income-investing-1024x576.jpeg" alt="investment" width="1024" height="576" title="How to turn out to be crorepati via making an investment 14">
First, suppose you open the PPF account on April 1, 2019 (on the modern-day price of a hobby of eight in line with the annum and the maximum <a href="https://brandwizo.com/kotak-mahindra-bank-cuts-hobby-charge-on-savings-account-deposits-up-to-%e2%82%b91-lakh/" target="_blank" rel="noopener">deposit restriction at Rs 1.5 lakh in keeping with the annum) and deposit Rs eighty 000 on the day of establishing the account</a>, Rs 40,000 on August 4, 2019, and Rs 30,000 on November 10, 2019.
The PPF account <a href="https://ownerbusiness.org/pay-day-loans-at-low-interest-rates/">interest rate is calculated best on the remaining day</a> of the financial year. So, it does not depend on whether you deposit the amount throughout the monetary year. The hobby earned will mirror your passbook handiest on or after the closing day of the financial year. PPF account most restriction in step with 12 months alert: You might not earn <a href="https://ownerbusiness.org/indusind-bank-revises-interest-charge-on-constant-deposits/">interest in this deposit</a>.
If you update your PPF passbook before the last day of the financial year, it will only replicate the deposited amount within the year.
Now, deliberating the above examples, check how the <a href="https://brandwizo.com/interest-fee-for-sbi-saving-a-cs-with-rs-1-lakh-plus-balance-to-be-connected-to-repo-charge-from-may-1/" target="_blank" rel="noopener">interest fee</a> may be calculated:
– The first funding of Rs eighty 000 completed on the primary day of the brand new economic 12 months (April 1, 2019) will earn hobby for the entire year.
– The 2d deposit of Rs forty 000 will earn interest best from August till March (around eight months).
– The third deposit of Rs 30,000 will be used to earn the hobby from December to March (Four months).
– The interest earned within the first or maybe calculated by using the easy interest formulation we learned in faculties: “Principle x Time x Rate of Interest/100”.
The time in terms of 12 months in the 3 cases can be 12/12 = one year; 8/12 = 2/3 12 months; and 4/12/12=1/three years, respectively. The interest you may earn can be:
1. Rs eighty,000 x 12/12 x eight/100 = Rs 6400 
2. Rs forty,000 x eight/12 x 8/one hundred = Rs 2133.33 
3. Rs 30,000 x 4/12 x eight/one hundred = Rs 800
Thus, the full interest earned on your PPF deposit within 12 months might be Rs 6400 + Rs 2133 + Rs 800 = Rs 9333.
However, in case you deposit the entire Rs 1,50,000 (Rs eighty,000 + Rs 40,000 + Rs 30000) on the primary day of the financial 12 months, the <a href="https://ownerbusiness.org/investing-take-an-interest-in-how-much-charges-cost-you/">interest charge</a> earned via you’ll be equal to Rs 1,50,000 x 12/12 x eight/100 = Rs 12,000.
This exciting amount is added to your overall deposit within the subsequent monetary year to calculate the total income earned and so on in subsequent years.
From the above illustration, it’s <a href="https://ownerbusiness.org/odisha-clears-investment-proposals-really-worth-rs-1177-crore/">clear that making an investment</a> within the PPF account at the beginning of the financial year can yield higher returns. 
Are you a <a href="https://ownerbusiness.org/best-credit-cards-offered-by-citibank/">Credit card</a>, Debit, ATM, or Internet Banking fraud victim? The government is working with the <a href="https://moneybill.us/why-reserve-bank-of-india-ought-to-reduce-crr-stages/" target="_blank" rel="noopener">Reserve Bank of India</a> (RBI) to investigate frauds under Rs 1 lakh. The government has also prepared a Financial Data Protection Bill. Union IT Minister Ravi Shankar Prasad shared this record in the Rajya Sabha.
The minister said the authorities are working with the Reserve Bank (RBI) to inspect <a href="https://moneyblo.com/judge-shall-we-new-york-pursue-scholar-mortgage-debt-relief-fraud-case/" target="_blank" rel="noopener">cases of economic </a>fraud involving amounts under Rs 1 lakh, PTI reported. Prasad stated within the Upper House that a Financial Data Protection <a href="https://eftcorp.biz/law-ministry-thumbs-as-much-as-draft-bill-on-on-the-run-monetary-offenders-desires-saving-clause/" target="_blank" rel="noopener">bill has additionally been drafted</a> to deal with issues associated with record robbery, including from social networking websites.
A gift, the <a href="https://alienation.biz/global-economy-week-central-bank-updates-employment-data/" target="_blank" rel="noopener">central bank</a>, alongside different creditors, is tracking cases of fraud associated with credit, debit, and ATM cards and internet banking concerning over Rs one lakh. Prasad stated, “The facts of India cannot be stolen, and strict action could be taken against any fraud,” Prasad said at some stage in the Question Hour while responding to Supplementary queries.”
The Union minister <a href="https://tantso.com/despite-price-range-sops-evs-may-also-locate-few-takers-but/" target="_blank" rel="noopener">also noted that information on hacking located</a> earlier than the Upper House is considerably associated with monetary fraud. The RBI is already looking into fraud involving transactions above Rs one lakh. “We are working with the RBI to investigate frauds related to transactions under Rs one lakh,” he stated.
Responding to a supplementary question on steps taken to lessen hacking of records from social networking websites, the Union minister stated, “Today, India will not bow down to the new imperialism. We took the movement in opposition to Facebook the instant we acquired the grievance.”
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<title>Best funding practices</title>
<link>https://ownerbusiness.org/best-funding-practices/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 07:56:49 +0000</pubDate>
<category><![CDATA[Investment]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=4631</guid>
<description><![CDATA[This week on The Moneycontrol Show, we discuss some of the first-class investment practices buyers should follow for a financially better 2019. In our macro phase, we discuss the recently announced new FDI guidelines for e-commerce and how they will impact the entire e-trade environment with Gaurav Choudhury, deputy executive editor of Moneycontrol. We’ll also […]]]></description>
<content:encoded><![CDATA[This week on The Moneycontrol Show, we discuss some of the first-class <a href="https://ownerbusiness.org/green-investment-bank-could-be-snapped-up-by-foreign-buyers/">investment practices buyers</a> should follow for a financially better 2019.
In our macro phase, we discuss the recently announced new <a href="https://ownerbusiness.org/e-commerce-fdi-policy-bars-foreign-funding/">FDI guidelines for e-commerce</a> and how they will impact the entire e-trade environment with Gaurav Choudhury, deputy executive editor of Moneycontrol.
We’ll also examine how <a href="https://ownerbusiness.org/why-is-chinas-stock-market-in-crisis/">stock markets</a> finished last week and the triggers to keep an eye fixed for the approaching week. What is the outlook for the new year? Santosh Nair, Editor of Moneycontrol, stocks his insights.
Rural misery appears to have played a massive role in the meeting elections in key states of Rajasthan, Madhya Pradesh, and Chhattisgarh. In reality, in rural Rajasthan, the BJP misplaced seventy-nine seats. The largest hassle of outgoing CM Vasundhara Raje confronted this election became the vicious demise entice that country farmers found themselves caught in. It is an identical story that is playing out in Madhya Pradesh as well.
<img decoding="async" class="shrinkToFit aligncenter" src="https://i0.wp.com/ketto.blog/wp-content/uploads/2022/01/Fundraising-Vs-Funding.jpg" alt="funding" width="1366" height="635" title="Best funding practices 16">
With a GDP increase of eight. Two percent in the first quarter of this fiscal year, India is the world’s quickest-developing economy. It is also home to the world’s biggest population of millennials. 
When we communicate the monetary history of India, vital occasions, including thefirst <a href="https://ownerbusiness.org/practical-steps-to-managing-your-price-range/">price range</a> publish-independence, nationalization of banks, the balance of payments crisis, India’s embrace of liberalization, and globalization come to thoughts. But now, Prime Minister <a href="https://economydiva.com/narendra-modi-2-0-and-real-property-region/" target="_blank" rel="noopener">Narendra Modi’s</a> demonetization force, which has been criticized and praised alike, takes a center degree. Perhaps this is <a href="https://brandwizo.com/star-citizen-development-problems-due-to-poor-money-management/" target="_blank" rel="noopener">due to how politicized the problem</a> has become.
November 8, 2016, Whatever the case remains clean inside the minds of many Indians who had to tirelessly stand in lengthy queues at outdoor banks and ATMs for cash after Rs 1,000 and Rs 500 notes had been declared invalid.
If PM Modi’s surprise <a href="https://ownerbusiness.org/selecting-the-types-of-companies-that-fit-your-investment-personality/">selection shook India’s financial and economic fitness</a>, any other worldwide development on an equal day intended there had been greater prominent modifications up in advance.
After Donald Trump became president, a shift in energy inside the US meant the world might witness guidelines that could middle across the idea of <a href="https://ownerbusiness.org/national-economic-reforms-science-and-technology-directives/">economic nationalism</a>.
Varghese K George, Associate Editor and former US correspondent of The Hindu, discusses financial nationalism, demonetization, <a href="https://eftcorp.biz/donald-trump-stopped-world-war-3-grounding-large-saudi-attack-on-qatar/" target="_blank" rel="noopener">Donald Trump</a>, and the change conflict that international economies have found themselves in with Moneycontrol’s Deputy Executive Editor, Gaurav Choudhury.
When aspiring or hooked-up business people want to raise sizeable amounts of funding to release or develop their agencies, many do not take the traditional direction of using <a href="https://tradymoney.com/loans-credit-score-playing-cards-bank-merchandise/" target="_blank" rel="noopener">bank loans or traces of credit </a>scores. <a href="https://richmoney.us/5-business-intelligence-tools-one-must-acquire-in-2021/" target="_blank" rel="noopener">Intelligent business</a> people recognize that the biggest sums of liquid capital exist in a specialized part of the personal region. This specialized sector is referred to as the mission <a href="https://economydiva.com/things-you-need-to-know-about-mutual-funds/" target="_blank" rel="noopener">capital market</a>.
<h2>Business Plan</h2>
No, remember how much cash a corporation wants to raise, whether or not it is $50,000 or $50 million. The first step to hazard such fund acquisition from challenge capitalists is to jot down a robust <a href="https://geniuszone.biz/writing-a-business-plan-a-how-to-guide/" target="_blank" rel="noopener">business plan</a>. This plan ought to be between 25-50 pages, and it must include such sections because the employer’s task announcement, a biographical description of the talent sets and experience of all of the organization’s principals, earnings statements and balance sheets, and a breakdown of the unique <a href="https://moneyblo.com/biz-china-weekly-home-prices-funding-e-commerce-and-auto-sales/" target="_blank" rel="noopener">prices that general the aggregate funding</a> quantity being asked. A high-quality plan is a place to begin and an instantaneous, unique direction to <a href="https://eftcorp.biz/gather-funding-for-real-estate-business/" target="_blank" rel="noopener">commercial enterprise fulfillment and adequate funding</a> acquisition.
<h3>Be Prepared To Verbalize The Funding Request</h3>
In addition to the business plan, employer principals looking for investment must practice gaining the know-how and oral skills to elucidate their investment requests verbally. They want to be prepared to explain and justify the amount of funding they may be soliciting, why it is required, what will be performed with the cash mainly, and why the amount being asked for is the precise quantity. At the same time as having astronomical amounts ofmoney<a href="https://ownerbusiness.org/debt-financing-vs-cash-investment-for-real-estate-projects/">h to lend or make investments</a>, venture capitalists and private equity corporations are not willing to fund more than is essential to start or extend an enterprise entity. So, the humans trying to get funding from the capitalists must virtually recognize their numbers inside and out and rationalize their funding requests.
<h2>Never Take No For An Answer</h2>
If the primary project capitalist turns down a business person or a set of business people from a business enterprise, they should not experience depression. There are lots of incredibly legitimate and financially innovative person capitalists and firms <a href="https://ownerbusiness.org/travel-safety-with-access-america/">accessible in America</a> alone. If one of them says no, the businessmen <a href="https://economydiva.com/african-american-businesses-grew-four-hundred-however-they-nonetheless-need-funding/" target="_blank" rel="noopener">needing their funding</a> ought to persevere and make contact with others and others. With enough persistence and intelligence at the back of their techniques, a business person will find the quantity of <a href="https://ownerbusiness.org/best-investment-ideas/">investment he calls for from a capitalist if his idea</a> and plan can be worthwhile.
<h2>Always Follow Up</h2>
Business people can buy print directories that list or seek them online to discover task capitalists. These directories will describe them and their companies and tell the businessman what regions of <a href="https://brandwizo.com/money-control-future-of-the-funding-industry-in-india/" target="_blank" rel="noopener">industrial interests they prefer to go into funding</a> agreements in. Moreover, continually observing after a meeting with a challenging capitalist is critical. A thank you letter for <a href="https://tradymoney.com/consumer-reports-gives-recommendations-to-repair-your-credit-score-rating/" target="_blank" rel="noopener">giving their time and recommendation</a> must be sent constantly, and a request for a next meeting is always a fantastic concept. This tenacity and determination will show the capitalist that the businessman seeking his funding may be very expert and serious about making his enterprise challenge as successful and profitable as feasible.
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<title>10 things you need to know about the circular economy</title>
<link>https://ownerbusiness.org/10-things-you-need-to-know-about-the-circular-economy/</link>
<dc:creator><![CDATA[Jose K. Taing]]></dc:creator>
<pubDate>Wed, 05 Nov 2025 06:54:00 +0000</pubDate>
<category><![CDATA[Economy]]></category>
<guid isPermaLink="false">http://ownerbusiness.org/?p=114</guid>
<description><![CDATA[1. Why can we want one? The circular economy is touted as a practical strategy for the planet’s rising aid crunch. Reserves of critical assets and uncommon earth metals and minerals are diminishing, while exploration and fabric extraction expenses are increasing. The modern ‘take-make-dispose linear economy method outcomes in huge waste Ã¢â‚¬â€œ, consistent with Richard […]]]></description>
<content:encoded><![CDATA[1. Why can we want one?
The <a href="https://ownerbusiness.org/10-things-you-need-to-know-about-the-circular-economy/">circular economy</a> is touted as a practical strategy for the planet’s rising aid crunch. Reserves of critical assets and uncommon earth metals and minerals are diminishing, while exploration and fabric extraction expenses are increasing. The modern ‘take-make-dispose linear economy method outcomes in huge waste Ã¢â‚¬â€œ, consistent with Richard Girling‘s ebook garbage! Posted in 2005, ninety of the uncooked substances utilized in the production end up as waste before the product leaves the manufacturing unit. Meanwhile, 80% of merchandise made gets thrown <a href="https://ownerbusiness.org/financial-savings-potential-slip-away-this-12-months/">away within the first six months</a> of its life. This and developing tensions around geopolitics and supply threats contribute to risky commodity prices. A circular economy could assist in stabilizing some of these troubles by decoupling monetary growth from aid consumption <a href="https://globalamend.com" target="_blank" rel="noopener">Global Amend</a>.
<img decoding="async" class="shrinkToFit aligncenter" src="https://idsb.tmgrup.com.tr/ly/uploads/images/2022/08/01/221745.jpg" alt="circular economy" width="964" height="643" title="10 things you need to know about the circular economy 18">
<h2>2. it is more than just recycling</h2>
At the same time, substituting secondary substances for number one materials can offer a partial answer. Still, recycling offers restrained enchantment as its tactics are strength-in-depth and commonly downgrade materials, primarily to persevering with excessive demand for pure substances. The <a href="https://ownerbusiness.org/circular-economy-could-bring-70-percent-cut-in-carbon-emissions-by-2030/">circular economy</a> goes past recycling based totally on a restorative commercial gadget geared closer to designing waste. This picture from the Ellen MacArthur Foundation shows how recycling is an ‘outer circle’ of the circular <a href="https://ownerbusiness.org/a-sober-have-a-look-at-the-financial-system/">financial system</a>, requiring extra energy input than the ‘inner circles’ of restoration, reuse, and remanufacture. The aim is to lay for higher give-up-of-existence recovery and minimize strength use.
<h2>3. Celebrities are shouting about it</h2>
The notion of a <a href="https://ownerbusiness.org/circular-economy-could-bring-70-percent-cut-in-carbon-emissions-by-2030/">circular economy</a> was first touted in the Nineteen Seventies by environmental teachers John T Lyle and Walter Stahel but only genuinely caught on when former sailor Dame Ellen MacArthur set up the Ellen MacArthur Foundation in 2010 to champion the idea. Because of this, the muse has been highly influential in making it resonate amongst global leaders, organizations, and educational establishments. Several celebrities have considered endorsing the circular economy and its related cradle-to-cradle standards. Brad Pitt is a Cradle to Cradle Product Innovation’s founding circle member, even as fellow actors Arnold Schwarzenegger, Meryl Streep, Susan Sarandon, and could.i.am are vocal supporters.
<h2>4. The economics stack up</h2>
The <a href="https://alienation.biz/osborne-floats-15-business-tax-boost-postbrexit-economy/" target="_blank" rel="noopener">business case for a circular economy</a> is compelling. Analysis with the aid of McKinsey estimates transferring toward circularity could add $1 trillion to the <a href="https://ownerbusiness.org/cheap-oil-will-weigh-on-global-economy-says-world-bank/">global economy</a> with the assistance of 2025 and create a hundred 000 new jobs in the subsequent five years. Under the Waste & Resources Motion Programme‘s Round Economy 2020 vision, the ecu Union (ecu) ought to take advantage of a progressed alternate stability of Ã‚Â£ninety billion and the creation of a hundred sixty 000 jobs. Producers are likely to gain the blessings the quickest, given their reliance on uncooked substances Ã¢â‚¬â€œ. McKinsey argues that a subset of the eu manufacturing sector could recognize internet substances fee <a href="https://ownerbusiness.org/when-electricity-is-worth-saving/">savings worth</a> as much as $630 billion in keeping with annum by 2025.
<h2>5. business management</h2>
floor-level innovation in this field is being pushed by giant corporations<a href="https://moneyblo.com/fintech-corporations-banks-will-ought-to-model-commercial-enterprise-around-purchaser-trust-privateness/" target="_blank" rel="noopener"> piloting commercial enterprise</a> fashions based totally on leasing, product performance, remanufacturing, and extended lifecycle thinking. These agencies have the energy to impact exchanges faster, given their geographical attain via global delivery chains, and their efforts are probably to accelerate with the emergence of an enterprise-led platform for collaboration, the circular economy one hundred. While the round economy is also based on SMEs’ involvement, take-up on this sector remains restrained. In the latest survey of almost three hundred <a href="https://ownerbusiness.org/small-business-finance/">small businesses</a> throughout England, France, and Belgium nearly ,50% had now not heard of the idea.
<h2>6. authorities intervention</h2>
Scaling up a circular economy internationally will likely require the authorities’ help. A coordinated approach by global leaders to introduce friendly legislative drivers, including waste prevention targets and incentives around eco-design, to promote merchandise that can be easier to reuse, remanufacture, and disassemble, might be welcomed by many. A few countries are already starting to act Ã¢â‚¬â€œ. China has set up CACE, a government-backed affiliation to encourage round increase, <a href="https://ownerbusiness.org/say-it-one-more-time-the-economy-is-slowing/">while Scotland has issued its circular economy</a> blueprint. In an extraordinarily huge move, the ecu fee’s circular economy framework, released next month, is predicted to introduce better recycling targets and a landfill ban on recyclable materials across all 28 European member states.
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