Broader Markets Up

A benchmark index for Indian equities markets slipped from intra-day highs Wednesday, while broader indices held on to gains after IT stocks rose buoyed by software giant HCL technologies which posted better than expected quarterly results. The 30-scrip sensitive index (Sensex) of the Bombay Stock Exchange (BSE), which opened at 19,274.21 points, was ruling at 19,198.92 points, up 73.71 points or 0.39 percent from its previous close at 19,121.83 points. The 50-scrip S&P CNX Nifty of the National Stock Exchange was trading 0.37 percent higher at 5,761.9 points. Broader markets were ruling in the green as well with the BSE midcap index up 0.55 percent and the BSE small cap index up 0.86 percent. IT, consumer durables, and auto stocks were among major gainers, while capital goods scrips saw some selling. HCL Technologies reported a 34 percent rise in profit for the quarter ended March 31. Among major gainers on the Sensex were M&M, TCS, Tata Motors and ONGC, while the losers included Reliance Communications, Hero Honda, Reliance Infra and L&T. The market breadth was positive with 1,758 stocks advancing, 1,004 on the decline and 93 remaining unchanged. Asian markets were trading in the positive, tracking overnight gains at Wall Street. The Japanese Nikkei average closed 1.76 percent up at 9,606.82 points, while the Shanghai composite index of the Chinese stock exchanges moved up 0.27 percent at 3,007.04 points. The Hang Seng of the Hong Kong stock exchange was in the green too, trading 1.41 percent higher at 23,851.11 points.

Some Marketing Founda

For Sale By Owner About 20% of the real estate marketplace out there is comprised of "for sale by owner" listings, and there are many homebuyers out there wondering if they really do need a real estate agent to help them buy a 'home for sale by owner'. Not only are real estate agents not needed using this process, they could actually hinder the entire process by trying to get both the buyer and seller to commit to paying a commission to the real estate agent for getting involved, no matter what job they might perform, prompting the following steps to help guide a potential home buyer who wants to use this process:. Determine Your Budget: The very first step in any home buying process is determining how much you can afford, and it's important to not over extend yourself. So here are the procedure for sale by owner : Get Pre-Approved: Now that you know the price range that you can afford, you'll want to get pre-approved with a lender, so that you can move forward in the home buying process, with the lender will guiding you through the process for your area. Search For Homes: This is real simple and fun. Contact the Owner Directly: Unlike homes represented by an broker or agent, there's no middleman to interfere with you from getting directly in touch with the seller. Get a Valuation Report of the Home: Either before or after you see the home, get a formal appraisal by calling a local appraiser to do the job. Hire an Attorney: For a few hundred dollars, a good real estate attorney will provide you with all the advice and counsel you'll need if that makes you feel more comfortable, however, it might be cheaper by paying the real estate agent commission in the first place. Make an Offer: Now that you've seen the home firsthand and have a property valuation report, you're ready to give the seller with an offer. Lock in Your Mortgage Rate: At the point where you can assume that the seller is entertaining your offer, you'll want to shop around for the lowest mortgage rate visiting local banks and contact mortgage brokers to price compare, and get a 30 day or 60 day "lock in" period is most common. Get the Home Inspected: Its time to take the next step by hiring a quality home inspector who will go through the home – from foundation to attic – to see what condition the home is in, and this will cost $300-$600 and the inspection will take around 2 hours, after which you'll get an inspection report outlining any mechanical or structural problems that the home might have. Close the Deal: Your mortgage lender will now help you with coordinating any financing and any title or escrow provisions and will provide payment to the seller after making sure that all local, state and federal real estate regulations and rules have been satisfied, after which the seller will sign over the deed of the home and, now you are the owner of the new home.

Some whacky insurance covers!

What kind of insurance covers have you heard of? Let's see - medical, life, property, auto. What about body parts? Yes! Even parts are being insured by insurance companies. Think about this. If you were a famous pianist and your source of livelihood was your music, then wouldn't you want to insure your hands because quite literally, it's those hands that feed you! Celebrities are known by one of bodily features and it serves as their means of livelihood and fame. Therefore, it is important for them to safeguard what brings them fame and money! Even though this kind of insurance is yet to get a hold in the Indian market, celebrities like Lata Mangeshkar and Sania Mirza have insured their voice and hands respectively. The Vanguard Olympic bronze medallist boxer, Vijender Singh, is contemplating getting his hands insured in the near future from Bajaj Allianz. Normally body part insurance is more than Rs 50 lakh to Rs 1 crore or more. These are no traditional policies, as they are customized according to individuals. The general insurance arm looks into this type of insurance and, usually, the policy is for a year and renewed thereafter. Though this kind of insurance is still in its nascent stages in India and insurance companies do not normally have ready policies for such insurance requests, this kind of insurance has been available in the West for a very long time. The insurance scene there is dominated by movie stars and singers and the foremost among insurance companies has been Lloyd's of London. Look at these examples: - $70 million for footballer David Beckham's legs and feet - $1 billion for American singer-songwriter Mariah Carey's legs - $6 million covering Bruce Springsteen's voice - $5 million for German super model Claudia Schiffer's face - $10 million for America Ferrera's smile (she plays Ugly Betty on a television show) Little is known about a wine taster who insured his nose for $8 million. The man's name is Ilya Gort, and his nose is so vital to his job at his French vineyard that Lloyd's of London wrote an insurance policy protecting him should he lose either his nose or his sense of smell. There are many more in the list of the 'insured', however, one thing which is sure is that these kinds of insurance covers are meant for celebrities, owing to the big dent it will make in your wallet. Unless, you think you really need to protect your smile to make a living, its better to stick with the traditional types of insurance….. For now!

Success Of Marketing

Successfully Market Your E-Book Online

Ebook creation and marketing strategies can make or break your business. You need to constantly keep up and overcome competition to guarantee higher income and a good reputation that will last for more products to come. The good thing is that there are so many methods to choose from depending on your business style and taste. Here are some tried and proven ones.

Teamwork Goes A Long Way
If you're still starting out, you can find a lot of help online for free regarding ebook creation and marketing. Before releasing the ebook to the general public, have some experts read and assess the content first to check the quality and information. Having excellently written work will be easier to sell and market. For a fee, you can get evaluations and suggestions not disclosed to others who may get it for free.
Joint venture partnerships are also good for those who are new to the scene. You will be able to get help and resources from partners. Make sure that the partner you choose shares the same business goals with you and has something unique to offer. You also need to provide incentives and benefits to your partners to entice them into joining your marketing scheme. Specifically indicate the type of partnership as well as the tasks involved, profit sharing and timeframe.
Find out more about affiliate programs and viral marketing and check whether these may be of good use to your ebook business. If you're planning to target a specific audience then having affiliates may be more beneficial. If you plan to directly gain from volume sales, viral marketing is for you. You also have the option of selling resale rights before or during your marketing campaign.

Ready To Sell
Once your ebook is ready to be released to the market, provide free bonuses and a few sample reads to people to get them interested in your product. You will be able to garner sales as well as have other parties interested for added opportunities such as online companies related to your niche and affiliates. A good approach is to take an excerpt from your ebook and pass it on to several directories. The title should be attractive and contain keywords that potential customers usually type in when searching on the Web.
Spend time advertising your products, building up your reputation and answering questions related to your topic in forums and web sites. You can choose to place ads on web site listings or put links in other peoples sites for a fee. If you have your own web site, it will be easier for your ebook creation and marketing since you have a common spot to sell goods and you also have something to offer other marketers such as link posting and ad space. Continually update the content of your web site for SEO or search engine optimization. Have some people review your work then post their comments on your site or ask them to display it themselves.