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January 19, 2014

Interest Spread and NIM (Net Interest margin) are often considered as the same but both terms are different. We know that a bank or a financial institution earns interest on their lending while they need to pay interest on their borrowing.

NIM is the ratio of the interest difference (Interest Received-Interest Paid) to Average Interest Earning Assets.

NIM= (Interest Earned-Interest Paid)*100/Average Interest Earning Assets

Interest Spread=Interest Income as Percentage of Total Lending-Interest Expense as Percentage of Total Borrowing

Illustration:

ABC bank has a total of borrowing of Rs. 5,000 million and its total lending is Rs. 4,000 million while its Interest Earnings and Interest Expenditures are Rs. 400 million and 200 million respectively.

Then,

NIM will be: (400-200)*100/4,000 or 5 %.

Interest Spread will be: (400*100/4,000)-(200*100/5,000) or 6%.
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January 14, 2014
Start a Online Healthcare Consulting Service

          

Health care - 

The preservation of mental and physical health by preventing or treating illness through services offered by the health profession.

The combination of aging baby boomers and the upcoming changes of theAffordable Care Act means that the healthcare industry will rapidly continue to expand. As an independent healthcare consultant, you can offer management and data analysis for organizations like hospitals, labs and therapist offices to help implement solutions to improve efficiency and/or save money. This is a great opportunity to put that marketing or economics degree to use.

Business Overview
Here's an online business venture that has the potential to be expanded from coast to coast. An online medical center is a collection of health-care providers from one community grouped together into one website. Instead of each business or professional having to pay thousands of dollars to develop and maintain individual sites, they can join your online medical center for a year for what it typically costs to host and maintain a site for one month. The site would have to be indexed by type of medical service or product that is being featured, such as plastic surgery, medical equipment, dental, family practitioners and home-care providers. Visitors using the site would simply choose an area of interest in the index and be linked to a pop-up page within the site that described the business's medical products and services, including contact information. This type of site could be easily expanded by selling the franchise or license rights to qualified operators to host, maintain and market a clone site in every city or community across the country.

Attract patients to your practice

  • Patients want to be cured, and today’s empowered patients start the process online
  • Google wants to guide searchers to the right websites
  • Healthcare providers want to provide their resources

What is a healthcare online presence?

A single presence is no longer enough. In order to expect an ROI, you need a comprehensive, yet simple integrated platform that expedites what you need to get done.
  • Dynamic web 2.0 website Always functioning as your hub, your main web property.
  • Facebook Page Your presence on this 800 million member strong social network.
  • Blog A monthly blog post is critical to perform well on search engines and social media.
  • Twitter Connect with your healthcare peers, follow the healthcare thought leaders, and share your content.
  • Google AdWords Target patients that search for treatments in your location with text ads.
what is healthcare online presence

We outlined some key features provided by the startup:
Treatment Connect:
 It enables users to view a brief opinion, provisional line of treatment, and an estimate of the medical treatment so patients can plan in advance their finances. It also provides credible insights to help users make informed decisions.
E-Connect:
 It offers doctors' opinions and information on treatment plans.
Video-Connect :
 Delivered through partnerships with hospitals, this video consultation service aims to help increase patient trust and clear doubt, especially if the patient chooses to travel to another city for consultation. 
Inbuilt Knowledge Bank:
 A patient can check cost estimates from Surgerica's database comprising different medical procedures, free of cost.
In a nutshell, the Indian startup aims to provide services to help consumers curate information and compare quotes between hospitals before choosing the most suitable healthcare service.
The startup is also planning to maintain an online review and rating system where a patient can directly review the services of the portal, hospital, and doctor. 



For more detail click on below link
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January 05, 2014
We have already seen the historical returns of the S&P BSE Sensex, which has given an average return of about 20%  per year, despite volatility and price fluctuations of about -20% to +60%. The following table shows S&P BSE Sensex historical data - start  & close values and the yearly returns of the sensex from 2000 to 2013.

sensex-returns-2014


As far as the other major  indices are concerned, CnxIT gained about 58%, whereas the BankNifty lost about 9% and the Cnx Midcap index lost about 5%. Despite the sensex gaining 9% for the year there were many stocks which have lost 95% and some stocks gaining about 10-200%, most of them from the Information and Technology sector.

During the year the index hit an all-time high of  24483 and despite markets hitting all time highs only a few stocks made all-time highs or the highs which were made in 2008 bull run,  while most of them are still languishing well below their historical highs. The message for retail investors is clear - index investing is better than individual stocks.  Individual or Retail investors can achieve above-average returns by investing in index through Exchange Traded Funds (ETFs) like Nifty Bees or Top mutual funds, which have given consistent returns over longer term.

Be a wise investor !

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