Crimson Post

New home is like a dream home. All wants to be a proud owner of a home. Building a new home is like building a dream. You can easily make your dream more exciting by designing your own home by yourself.  May be you can’t believe me. But it’s true that you can build your new home without getting any touch of an architect. For example sometimes you might face difficulties to solve waterproofing services but later you would find it much easier. So nothing is difficult. Just set your objectives and go through it. So many resources are available around you to design a home. Design itself is very exciting and also funny. It also helps you to know home roof repair or other home maintenance service like solving roof leak. So let’s get idea how to make a home.

First most important thing is to be inspired. Try to blend motivation and passion and in the end you must get a good design with lots of fun and pleasure. Getting help from internet, newspaper, magazine, and journal should be considered. In addition you can get image from different structure from different preferable place. But whatever you do regarding design it should be organized. Haphazard way might make whole process into a mess. It is suggested to give enough time to surf internet, taking help from various offline option, consult with friend and family.

Secondly prepare a list of every person and their phone number or email, keep every picture serially and write down every idea. Don’t make any hurry. Remember you are not a professional. So it might be time consuming but exciting. So an organized move is essential to get maximum benefit from large amount of resources.

Now it is time to select the design. Initially try to sketch a rough idea to get the rough outlook. You can get napkin sketches or formal illustrated design. This process might take several months.

Last and final process is to develop the idea. This phase includes dimension and previously developed scheme and rough design would be turned into a fully dimensioned drawing. Getting a complete design from scheme, rough design and others process would take two or three months.

So when you have a complete design without getting the professional help then you must feel excited and satisfaction. But always remember design is may be the primary issue to build a new house but at the same time you should not avoid the technical difficulties like waterproofing, roof leak etc. And there are so many professional out there who will provide waterproofing services, home roof repair or fixing roof leak.

Browsing internet at office sometimes create unwanted situation between employer and employee. When an employee uses internet for personal purposes it might anger employer. Even an employer might fire employee because of using internet personally. So it is wise surfing internet at office only for official purpose.

It lessen your productivity
Surfing internet during office hour certainly decreases your productivity unless you have some certain office work on internet. So you should not browse internet on personal ground.

Your privacy might be in danger
As some software’s allow your boss to monitor your internet activities so it is most likely put your privacy in danger. For example you send an email using work email address and the mail is checked by your boss because he has right to access your account. So never use work email address as personal purpose.

Confidential office information may be disclosed
Sometimes valuable business information may be disclosed through internet. May be you are not aware of it. But you may be blamed when your boss find that you surf internet on personal reason.

Office discipline threatened
when other employees find that you surf internet for personal reason then they are also vulnerable to follow your path. Consequently hamper total office discipline.

Fear to be fired
You may lost your job because of personal activities on internet. When your employer finds that you are not sincere and because of you total office environment is in danger then your employer must fire you.

Google the search engine heaven is well set to launch its nexus phone in a bid to topple rival apple’s i phone. The much anticipated new phone, the HTC-designed Nexus One, is on the edge to hit the booming mobile handset market. Google’s Nexus One is likely to be sold unlocked, which means consumers don’t have to be tied into long-term contracts with telecom carriers.

Key features of nexus phone:

• GSM-device with a 3.7-inch AMOLED touch screen
• 5-megapixel camera
• Wi-Fi connectivity, accelerometer and compass.
• Latest version of the Android operating system, Android 2.1.
• more powerful processor
• Nexus One to enable multi touch for the device.
• its vivid OLED screen and slim design (Height 119mm, Width 59.8mm, Depth11.5mm)
• Accelerometer
• User can include location of photos from phone’s AGPS receiver
• Video captured at 720×480 pixels at 20 frames per second or higher, depending on lighting conditions.

In search engine market Google is unparallel. But what happen to their new venture. First public presentation of new nexus one was shocking. It was a very poor presentation by the Google in comparison to apple’s mind blow launching ceremony. Google already digest so much criticism over their dull opening ceremony. So only time will say whether Google can beat the arch rival apples iphone. Apple’s iphone registered a record breaking sale last quarter. More shocking news for Google!

Financial house or large corporation and government institution can raise capital through issuing money market securities. It’s a short term debt instrument used by government institution or large financial company to meet short term capital expenditure. Money market securities and bond are not similar. The main difference is maturity period. Bond usually matured in ten years of time. But money market securities take few days to maximum one year. Another characteristic I; money market securities are very easy to be liquid. The money market is very attractive place for investor because of its short tenure and its nature of easy to turn cash. There are different types of money market securities. Like Treasury bill (popularly known as T bill), commercial paper, bankers acceptance, certificate of deposit and Eurodollar.

Money market is very unlike to stock market. Most of the money market securities are traded in very high denomination which accesses the limit of general investor. In money market transaction occurs through a dealer  which means that firms buy and sell securities in their own accounts, at their own risk. Whereas buyer bear the whole risk to buy a share and brokers acts as an agent and get commission.

Among the money market securities T-Bill is very popular among the investors. U.S government usually issues T-Bill to collect money from public. T-bill is very easy to liquid with three, six and nine month tenure. Below we have a discussion about different money market securities.

T-Bill: An attractive money market security among the investors. The main characteristic of T-Bill is very easy nature to liquid. It has a maturity of few days to one year from the date of issuance. Three and six month’s tenure is very common.  T-bills are purchased with a discount rate and in maturity investor gets the full price of the T-Bill. For example you bought a 90-day T-bill at $ 95000 and held it until maturity; you would earn $500 on your investment.

Commercial Paper: A short term unsecured debt security issued by large corporation with high credit ratings. Maturity period nine month. Issuer uses the money for accounts receivable and inventories. Though most of the time commercial paper treated as an unsecured debt security, but default rate of commercial paper is very low. Because only the company which posses a higher credit rating are permitted to issue commercial paper.

Bankers’ acceptance: Another popular money market security. It’s almost like pay order. Bank plays the role as a guarantor on behalf of issuer. Receiver enjoys the selling power before maturity in secondary market. Export, import and other transaction of goods all can be done through banker’s acceptance certificate. Particularly when the foreign partner is not very known or foreign partners credit worthiness is not very clear.

Certificate of deposit: Little bit different from other securities. Main difference is maturities. Maximum Tenure one month to five year. Receiver enjoys a certain interest rate.  Mainly issued by commercial bank.

Re Purchase agreement: A short term debt instrument issued by government. A dealer usually sells government securities to the other parties. usually on an overnight basis, and buys them back the following day.

It’s an interesting agreement. Broker who sells  the security (and agreeing to repurchase it in the future) it is a repo; for the buyer, (buying the security and agreeing to sell in the future) it is a reverse repurchase agreement.