Jammu And Kashmir Bank Limited (j&kbank) – Financial And Strategic Swot Analysis Review

May, 5, 2014 : Company Profiles and Conferences presents a Company Report on “Jammu and Kashmir Bank Limited (J&KBANK) – Financial and Strategic SWOT Analysis Review”, which include anywhere banking, internet banking, SMS banking, ATM services, debit and credit cards, merchant acquiring, mutual funds, insurance services, and remittance services. It conducts banking business of the Central Government, and collecting central taxes for CBDT.

Summary

Jammu and Kashmir Bank Limited (J&K Bank) is a financial services provider, based in India. The company provides loans, insurance, tax products/planning, savings and deposits, cards, mutual funds, and non resident banking. It offers support services, depository services, third party services, and cash management services to its clients. The companys services include anywhere banking, internet banking, SMS banking, ATM services, debit and credit cards, merchant acquiring, mutual funds, insurance services, and remittance services. It conducts banking business of the Central Government, and collecting central taxes for CBDT. The company offers financial solutions for household, small and medium enterprises. J&K Bank is headquartered in Srinagar, Jammu & Kashmir, India.

Jammu and Kashmir Bank Limited Key Recent Developments

Jul 04, 2013: Jammu and Kashmir State Of India Inaugurates Drugi Micro Hydro Power Plant

This comprehensive SWOT profile of Jammu and Kashmir Bank Limited provides you an in-depth strategic analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms is the part of Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of Jammu and Kashmir Bank Limited including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.

Property Investment Vs Property Speculation

Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

The Indian Money Market

The financial scenario at the global level is no more the same as perceived during the end of the year 2008 and the beginning of 2009. Things have improved for the better. Compared to other world markets, the Indian money market is recuperating fast. The panicky situation that prevented many investors to stop investing in the Indian stock market no longer exists. It is now not only Indian investors but also foreign investors and NRIs who have started investing in the Indian money market in bulk, helping the country recover faster than ever. A breath of relief is thus witnessed in the dock, bringing smiles to the lips of investors as well as companies. At one time, the disgusting financial trauma and economical stalemate did turn many bankrupt; many lost their jobs whilst many companies closed down. It will take some time for the other nations to recover.

The Indian money market has been the source of livelihood for millions of people whether it is the financial service providers or the investors themselves. Investing your hard-earned money will certainly bring you gains if you are a wise investor in the Indian stock market. To be able to trade in profitable stocks, update yourself with India market news. It is only through market news that you will know the current market conditions, which sectors are doing well, which are not, and related paraphernalia. Again it is through market news that you come to know about the performance of companies listed in the stock exchanges. But your confidence level of selecting lucrative stocks cannot be served by India market news solely. Besides, you have to be equipped with the basics of other stock market terms, should know how to view charts, view stock quotes, and more. It is only through the A-Z of knowledge of the Indian stock market that you will be able to make a mark in the money market.

Inflation has been on the rise and most investors are more interested in selling the stocks already bought rather than buying new stocks. But this is not always the scenario. Other than stocks, the Indian money market has a number of other investment options. There are a huge section of people who maintain a luxurious life by investing in the money market alone. There are also many who are involved in businesses or certain vocations and market investment is an added money-spinning venture.

Emerging Market Investment Advice Tips

The emerging market describes a broad range of markets from second and third world countries. It encompasses economies such as China and Brazil, together with countries in Africa and Asia. Generally, the term emerging markets represents economies which are as yet not fully developed, and subsequently an investment in an emerging market can often be high risk but has the potential to yield great returns as their economies are still developing.

If you are considering investing in emerging markets, these advice tips are worth considering.
Do not put all your eggs in the one basket: No financial portfolio should be tied up with just one investment, and any investment in the emerging market should not comprise a dominant percentage of a portfolio.

Long term view: The emerging market has been likened to investing in America in the 1920s as over forty years an investor would have gained a substantial return on any investment. In that time he would have seen prices drop through the floor. This is similar to emerging market investment today, so be prepared to take a long term view to good returns.

Advice: Obtaining general advice on the emerging market is essential, especially if you are new to financial investment. Financial advisors, banks, and other institutions seem like good places to gain valuable advice on the surface. More often than not however, the investor who seeks guidance from these places often pays for advice they do not need, as many of the best decisions can and should be handled by the investor.

A few financial investment companies have realised this and take a hands off approach and only step in with general advice if needed. These are the companies to turn to when guidance is needed.
Commissions: It goes without saying that any financial investment company is going to charge commissions, and subsequently it makes sense to look for a company that charges low rates. Some offer 0% commission initially, and this is a good place to start.

Risk vs. Return: Any investment into the emerging market is high risk. The returns however, have the potential to be considerable and subsequently an emerging market investment becomes a viable option. It is possible to invest in a country or into a fund which in turn is managed by a fund manager.

The latter becomes a question of faith and trust in that manager to do the right thing with your money, so the decision to choose a financial investment company with a view to fund management should not be taken lightly.

Currently, China and Brazil are often seen as good choices for emerging market investment.

Ultimately it is important to realise that as an investor you need to be in control of the fund, even if it is supervised by a fund manager. Some financial companies give you that control, and it is worth spending sometime to find a financial investment company like this.

Can you make money online,Earn money line,make money online earn

There has never been a greater time to look into internet marketing for beginners as yes, you can make money online.

With the technological advancement within the online marketing community there are no longer any valid excuses for anyone to say that it would be impossible to be a successful internet marketer.

There are thousand of people from all over the world that are looking towards the internet as a means to improve on their financial status, and it does not matter where they may live, the color of their skin, how much money they have or don’t have in that bank, may they be man or woman, high class, low class and yes it does not matter how old a person is, as all walks of life are seeing the possibility of success online.

I think one of the biggest reasons that people do not take the leap is that they are afraid of being scammed and lose a lot of their money, and no doubt this is a valid reason for not wanting to become involved as in all walks of life it is good to be a healthy skeptic.

As in all walks of life you have your good and bad people and the same can be said for online marketers. But there are also some great, honest, hard working people within the online community that are willing to help teach you the ropes on how to build a successful online business.

It is a good idea to become an investigative reporter when you first get the idea on making money online. Take your time and investigate all the sites and persons to see if they can be trusted. Check out different people within the Facebook community. look around in Google and see if that person you are interested in has a reputation good or bad.

It is all about taking your time and being wise and careful, follow your gut and remember if it sounds to good to be true, it probably is.

India’s Strong Gold Investment

We all know that the glitter of gold can be too hard to resists sometimes. This is why investing in gold has become one of the most profitable transactions that you can make these days. When it comes to choosing the right gold products you surely have where to pick from: 1 kilo gold bar, gold coins, gold bullion, one ounce gold bars, gold funds and so on. The variety of gold investments is daunting, therefore making a choice can become a rather difficult task.

Gold is and has been the preferred investment for Indians especially because the potential price increase and because it is considered a hedge against inflation. Studies show that when the inflation rises with 10 percent, for example, then the process for gold will rise for 30%.

Throughout generations, gold has been one of the most trusted investment vehicles. Taking into consideration that the gold production on a worldwide scale is far below than the demand, gold prices are likely to go up in the months to come. Gold has proved itself to be the only medium of exchange that is absolutely free of credit risk. This is why the trend among investors is to invest at least part of their savings in the precious metal.

Buying gold however, can take numerous forms. One of the most popular ways of investing in gold in India is definitely jewellery. For Indians, owning gold jewellery is a sign of wealth and it gives them the advantage of owning physical gold and also being able to use it for fashion purposes at the same time. Of course, there is a downside to this also: the loss of value due to impurities, the high charges and exchange rates when and if they decide to sell them.

Another gold investment product, which has become quite popular is represented by the gold bar. This is the oldest form of gold preservation and the advantage of this product is that it can be found in various sizes: one ounce gold bar, 1 kilo gold bar, 20 grams gold bar and so on. This gold product offers the satisfaction of holding gold and knowing that you can buy or sell it online at any time. When you own physical gold bars then you need to deposit it in a vault and take out insurance in order to protect your investment.

India, as well as other important economic powers of the world, such as China, have started to invest heavily in gold. Therefore, when you want to make sure that you protect your investments then you have to start doing the same thing.

How To Gauge The Volatility Of A Stock Market Investment

Do Your Research
You can find a great deal of information in the stock tables of your local newspaper, or your favorite financial industry publication. Those stock tables contain a wealth of information you can use to gauge the volatility of a stock market investment. Turn to the stock table in your favorite financial publication. Locate the 52-week high and low for each stock you plan to invest in.

Compare the 52-week high for the stock to the 52-week low. The difference between the 52-week high and the low is a good indicator of how volatile the stock has been over the last year, and how volatile it is likely to be in the future.

Contact the Company
Contact the investor relations department at each company and request a copy of the annual report. Some companies publish these reports online, so you might be able to find past annual reports on the company’s website. If not, check the website and find the contact information for the investor relations department.

Review the price history of the stock as shown in the annual report. A wide spread between the annual highs and lows for the stock is an indication of a highly volatile stock. A company whose share price has been more consistent has shown far less volatility.

Practice on Paper
Create a paper portfolio and track your stocks over a period of several months. List each stock on a separate line and list the daily or weekly price in each column. Tracking the stock price over time will give you a good indication of how volatile the stock is.

While nothing can totally eliminate the inherent volatility of investing in the stock market, there are a number of strategies you can use to reduce the risks of the stock market and increase your odds of finding a winning investment.

Benefits of an Entrepreneur MBA with a Real World Focus

Schools that focus on the real world aspects of business tend to offer their students certain advantages that they might not be able to get anywhere else, and this might just assist them in becoming the best entrepreneurs that they can be. An entrepreneur MBA might outline some of the most imperative facets of business and instruct students on what they need to know to handle many of the challenges they will face as they enter into the business world, but will it give students the best chances of competing with those that have more experience? In order to have a fighting chance of beating the competition, students need to be taught what the more experienced professionals already know, and so the focus needs to be placed on real world facets of this industry.

1.Deal With Real Problems

Businesses that learn from the mistakes of others tend to struggle less when it comes to finding success, but those that have to find their way through trial and error could end up falling by the wayside at any point. A school that teaches students how to deal with the challenges that are constantly arising within the world of business is usually one that provides them with the tools that they need to succeed.

2.Shape New and Creative Business Models

The professional world has altered the traditional business model over and over again, and what used to work well is now outdated. One of the exciting facets of this business is the fact that individuals from all spheres can contribute to new developments; all it takes is some creativity and the willingness to learn from what others have accomplished.

3.Keep Up With The Evolution Of Business

Due to the constant evolution of this industry, it is imperative that professionals who are choosing to enter into this field understand the need to keep up with the pace. The world of business is fiercely competitive, and the right entrepreneur MBA can show a student how to go about giving themselves the best chances of turning their dreams into a reality, even when faced with so many challenges. From the moment a student becomes a graduate, they will need to begin dealing with the realities of the professional world, and this is precisely why it is beneficial to sign up for a course that focuses on these facets of any industry where business plays a key role.

For more information with Entrepreneur MBA, please visit us on our website.

Are Silicone Wiper Blades Worth the Money

Are Silicone Wiper Blades worth the Money?

Like Rubber Wiper Blades and just about every other product or service, Silicone Wiper Blades come at different Price Levels, and buying the dearest doesnt necessarily mean getting the best.

In order to make an informed decision, we need to be able to spot quality features in Wiperblades, and understand what influence they have on Safety, Life and Performance.

Next we need a method of measuring the cost of Wiperblades against their useful life. We do that by dividing the cost of a single wiper blade by the number of 100,000 cycles in its expected life. A cycle being 1 wipe in each direction.

The cheapest and most basic Wiper Blades have a moulded rubber blade with an arrow-head profile offering a single wiping edge. Theyll also have a very cheaply constructed frame. Differences in Frame Quality are more difficult to spot, but usually, the blade quality is a good indicator of the overall quality of the Wiper Blade. Most un-branded Wiper Blades fall into this category.

Single edge Wiper Blades have a typical life of 200,000 cycles, and can cost as little as 3, so they cost at least 1.50 per 100,000 cycles

Most Motorists seek comfort in the big Global Brand Wiper Blades. They know theyre probably not getting the best value for money, but its a safe bet. Of course the big brands arent slow to take advantage of that, and so their prices arent always cost-effective.

Global Brands (and some smaller Brands) offer good quality Wiper Blades. They are easy to spot because the rubber blade has a profile like a small screwdriver instead of an arrow head. This means there are 2 Wiping Edges instead of one. As the Wiper Arm moves in one direction the blade flexes and trails, presenting one of the tips “corners” to the windscreen. On the Return Wipe, the blade flexes in the other direction, and uses the opposite edge to wipe the screen.

Quality Twin Edge Rubber Wiper Blades are good for around 500,000 (half a million) wipes. They reduce the risk of unwiped areas, and are much smoother and quieter than cheaper wiper blades. Typically they cost around 10 each, and so cost around 2 per 100,000 cycles.

Every pack of Rubber Wiperblades that Ive seen carries a warning that they should be replaced between 6-12 mnoths. Thats because U.V. Ozone and Pollution all combine to attack the Rubber Wiper Blades, even when theyre not being used. Thats really bad news for Low-Mileage Drivers and Classic Car Owners, because the Wipers often rot away before theyve done much work!

Silicone Wiper Blades wear much slower than Rubber ones. A good quality Silicone Wiper Blade has an expected life of 1,500,000 (one and a half million) cycles. Good Quality Silicone Wiper Blades cost slightly more than Premium branded rubber ones, about 12 each. Giving by far the lowest Cost over life of 0.85 per 100,000 Cycles – Obviously, thats great news for High-Mileage Drivers.

Business Startup Loans – Funds to sustain your trade

Now in this new era every individual has a scope of starting a new trade for extra earning. Not every person can be eligible as you need a good cash flow to run any trade. Business startup loans is good solution to start your own new business without any hesitation. This facility is meant for industrialists who need simple and fast funds to start their business.

The applicant can avail this facility is he/she wants to on a large scale, then long term advance would suite the most. They are those finances which prove to be useful for the purpose of opening a new industry or company. This scheme is really beneficial for people who are not able to arrange funds for the opening of a new company or industry.

These advances are categorized into the secured and unsecured form.If the applicant wants to apply for a secured from of credit they will have to place security against the loan sum taken. Thus, they will carry a reasonably lower rate of interest as the lenders risk is protected. In case of the failure of the payment by the applicant lender will recognize the security and pick up the amount of the funds.

The unsecured category does not stipulate any security. Therefore, it carries a moderately higher rate of interest as the lenders risk in dealing with you is extra. However, the applicant does not have to worry about losing their possessions as they do not place any security in this form of recognition.

In the normal procedure, the submission process is very simple and fast. The candidate needs to fill a relevance form giving all the essential details. The applicant must ensure that the information they propose is right. A single form is to be filled. Once the appeal form is established and approved, the lender will transfer the funds into your pay account.

John Michel is a distinguished author who has lended his expertise to a vast range of products and services centered around Business and Commercial loans.For more information related to Business startup loans,loans for business start up, small business start up loans please visit