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Explained: Types Of Money Market Instruments
The term money market refers to an asset (short-term) with a maturity period of less than a year. For a similar reason, money market instruments are extremely liquid and can also be utilized as a close replacement for money. They can also assist in providing money exchange facilities implemented in the primary and secondary markets.
About Money Market Instruments
Money market instruments are mainly barred debt contracts that can provide the investors or the bearer of the instruments with a predetermined return rate. Although money market instruments have risks, they also increase credit rating. This signifies that the issuer of these money market instruments does not usually default.
The main agenda of money market instruments is to accomplish the short-term yet significantly high capital requirements of different financial organizations, governments and banks. These are issued by the borrowers who immediately require funds and lenders provide them with the money for a short period and gain a fixed return.
Money market instruments are a form of short-term investments.
Features of the Money Market Instruments
Although multiple organizations, banks and government institutions can receive immediate funds through money market instruments, investors need to be aware of certain characteristics of these instruments. Some of them are discussed below:
- Security: The issuer of money market instruments usually has a high credit rating, indicating that the lender’s money will be safe.
- Liquidity: The money market instruments have an extremely short maturity period (one year or less than one year) and are fixed-income securities. These specific reasons make the money market instruments highly liquid.
- Discount pricing: Another fundamental feature of money market instruments is that as a lender, you can purchase the money market instruments at a discounted rate as per their face value.
What are the Different Kinds of Money Market Instruments?
Different banks, financial institutions, and government organizations can issue multiple types of money market instruments. Some of them are discussed below:
Banker’s Acceptance or BA
Some organizations and individuals make use of a financial instrument that has been manufactured using the name of a bank. This particular financial instrument is regarded as the Banker’s Acceptance.
In this case, the issuer of this particular money market instrument will have to pay a specified amount to the investor between 30 and 180 days. The contrast between the sale price and the issue price is regarded as the return on investment.
Certificate of Deposits or CDs
Many think a Certificate of Deposits is similar to Fixed deposits, but that is not the case. Certificates of Deposits are negotiable term deposits, and only banks accept these kinds of money market instruments. The minimum requirement for a Certificate of Deposits is rupees 1 lakh, which can go higher than that.
Repurchase Agreement or Repo
Repurchase agreements, also known as repo or reverse repo, are primarily sales agreements. According to this agreement, the individual or party selling the securities will buy them back from the seller after a significant time.
As an Indian money market instrument, commercial bills are extremely popular among investors. Commercial bills imitate exchange bills, and the seller can issue these bills to the purchaser of specific goods and services.
If a bank or any other financial institution takes this exchange bill, it is regarded as a commercial bill. Whenever a seller of goods and services requires funds, they can use commercial bills.
Commercial Papers or CPs
Commercial Papers or CPs are a form of unsecured promissory notes, and huge companies mainly issue these with enough reputations. Returns from commercial papers are higher than Treasury bills because of their unsecured nature.
Call and Notice Money
A lot of times, banks and other financial organizations ask for funds to manage their cash flow. These funds are borrowed for a very brief period. If a borrowing or lending fund is limited to one day, it is regarded as call money, and at the same time, if the designated period (for the funds) is as long as 14 days, it is regarded as notice money. You also need to note that there is no collateral for the borrowed funds.
The purchasing or buyback price also includes a specific rate or interest, regarded as the repo rate. Like any other money market instrument, a repurchase agreement can be used to collect short-term funds. At the same time, the investor also receives a noteworthy amount in the form of a return on investment.
Treasury Bills or T-Bills
The Government of India normally issues Treasury bills to satisfy its momentary requirements. Treasury bills are the most secured money market instruments available in India. Although the treasury bills are sold at discounted prices, at maturity, the government pays the face value of the T-Bills. Therefore, the investors receive capital gains.
- If you want to keep your money secured for a short period while gaining profits, then money-making instruments are the ideal option for you.
How Blockchain Is Revolutionizing Healthcare
Although blockchain is considered a technology of the banking industry, it is gradually being adopted in non-financial sectors (tourism, logistics, education, and manufacturing). The healthcare industry has also taken notice of blockchain’s ability to securely transfer data and is trying to use it for the benefit of patients. How is this innovation changing healthcare services and healthcare software development? Let’s find it out.
Blockchain in a nutshell
A blockchain is a database in the form of a distributed ledger. In such a ledger, transactions are recorded in blocks that are linked to each other with the help of a unique key (hash). Each block contains information about the time, date, participants, and amounts of money related to a particular transaction. These data are shared between all network members.
You cannot change the data in a blockchain. To enter new information, more than 50% of participants must confirm its accuracy. Thus, everyone has access to a common source of authentic information protected by a cryptographic key. A new block reinforces the verification of the previous one and the entire chain. Thanks to the hash, the data is almost impossible to decrypt or steal. You will need huge computing power to guess the right combination of numbers and open the block.
Blockchain has become popular because it allows you to protect and verify any data in a decentralized network.
Statistics on the use of blockchain in healthcare
The widespread use of IoT devices in medicine, the increase in the number of cyberattacks, and incidents with counterfeit drugs have provoked interest in blockchain technology.
Research and Markets calculated that by 2022, the technology market had grown by 61.4% compared to 2018 and amounted to $500 million. IDC believes that by 2025, 55% of medical apps will be based on blockchain.
According to Statista, the most popular use cases for blockchain in healthcare will be the detection of counterfeit drugs and secure information exchange. By 2024, spending on blockchain solutions will almost triple and reach $19 billion.
Application of blockchain in healthcare
Blockchain apps will help make hospitals patient-centric. They will also allow professionals to set up a secure and efficient exchange of medical data. The technology will improve the following processes:
Maintenance of EHRs/EMRs
In 2021, the Department of Health and Human Services’ Office for Civil Rights’ breach portal noted a record number of data thefts in the industry. 44,993,618 healthcare records were hacked and stolen. 2021 was the second worst year in terms of cyberattacks.
The industry has strict HIPAA and GDPR regulations that protect patients’ personal data. At the same time, EHRs cannot be isolated so that doctors can help patients in emergency cases. Distributed registry technology can solve this problem.
Healthcare institutions will be able to use a single secure data platform. Block transactions store a unique patient ID, an encrypted link to their health record, and a timestamp telling when a transaction was created. Blockchain apps collect not only official medical records but also information from mobile health platforms and wearable devices.
When a doctor creates a record (prescription, laboratory analysis, or research result), they confirm its authenticity with a digital signature. To share information with other doctors, a patient can provide temporary access to it. This is how Medicalchain customers allow access to health information by scanning a special bracelet with a smartphone.
Thus, blockchain will help to securely store and transfer data between healthcare providers. Patients will be able to track their health and receive emergency care in any institution.
Conducting clinical trials
Finding patients for clinical trials is one of the challenges in research preparation. In a survey of 14 cancer hospitals, about 50% of research centers were unable to find applicants. Obstacles arise for various reasons:
- researchers do not have enough time and money to search for candidates;
- venues for testing are chosen in the areas where scientists are located. In many cases, these are not convenient for participants themselves;
- patients have little knowledge about the opportunity to participate in research;
- people don’t want to share personal information.
With the help of blockchain apps, users can anonymously sell medical data to researchers, drug developers, marketers, and other interested parties. For example, a cancer patient can provide access to a record of the treatment they receive but without contact information and archival data. Scientists are using this information to expand their understanding of cancer and improve treatment.
Up to 10% of drugs in low- and middle-income countries are substandard or counterfeit. According to the WHO, there are fewer fakes in developed countries (about 1%). However, for people, it means hundreds of thousands of deaths per year. Therefore, pharmaceutical companies and clinics are looking for ways to help identify and stop the sources of the distribution of dangerous medicines. One of these is the use of blockchain in the healthcare supply chain.
The technology implies that drug manufacturers, logistics service providers, distributors, pharmacies, hospitals, and patients become members of a global network and track the movement of medicines within it. The process is organized like this:
- A manufacturer creates a drug and puts a QR tag with its name, date and place of manufacture, and expiration date on the package. The data are stored online and are available to all participants. If certain goods are perishable and equipped with IoT sensors for temperature control, information about storage conditions is also transmitted to a blockchain. Position sensors can be installed on a batch so that customers can track the movement of the medicine.
- Distributors receive the goods from a carrier company and check them for quality compliance. They confirm the authenticity of the drug with a digital signature that launches smart contracts for sending goods to pharmacies and hospitals.
- Pharmacists use a hash ID to trace the origin of the medicine. If an illegal distributor tries to sell counterfeit drugs to a pharmacy, they will fail. The attacker is not authorized in the network, and the QR tag of the product is not included in the blockchain. This information is easy to follow. When everything is official, a pharmacist receives medicines and adds a transaction with the distributor. Such a deal is legal.
- When buying medicines, patients scan the QR codes of a product through a mobile app. They look at where the drug came from, whether it meets quality standards, and whether the delivery and storage conditions have been observed.
According to Statista, the US economy loses about $200 billion annually. Blockchain will help build a transparent and visible supply chain that cannot be penetrated by dangerous counterfeit medicines. It will reduce the risk to the health of patients and prevent economic losses.
Medical device tracking
Blockchain optimizes the tracking of critical medical devices within a hospital. Typically, clinics use RFID tags to quickly find the right device and view information about it (manufacturer name, serial number, etc.). Distributed ledger technology adds new capabilities to monitoring.
An RFID tag is linked to a blockchain using the Unique Device Identification (UDI). Device information is stored on the network and cannot be changed. When a healthcare worker scans a tag using their smartphone, they receive complete information about the device. The device must be scanned each time before use or sterilization.
Thus, through the records in a block, hospital staff can see which device was used more often, when maintenance should be scheduled, and whether the rules for equipment processing are observed. They can find a device by the UDI: no one can change the location history of the equipment or remove it from the list. The device cannot be stolen.
Blockchain in healthcare software development lifts certain restrictions from the industry, allowing the legal and seamless exchange of medical data. Blockchain-based EHRs will provide secure treatment for patients admitted to emergency rooms. The technology will take clinical research to the next level by opening up access to anonymous case histories. It will help the industry get rid of counterfeit medicines, theft, and smuggling.
The possibilities of using this technology are wider. Medical organizations need effective blockchain apps to solve internal issues and seamlessly serve customers. To implement innovation, they should approach a custom healthcare software development company such as Andersen Inc. with an idea. Such a tech partner will determine the operations for which blockchain can be used. IT professionals will create a reliable software product and implement it into the work of a healthcare facility.
Why is Wyoming a Popular Place for Real Estate Investors?
Wyoming has a population of just below 600,000 people, making it one of the least populated states in America. Despite this, the population growth rate of Wyoming is higher than the national average, meaning more people are moving to the state each year.
The state of Wyoming has plenty to offer for locals and expats, including Yellowstone National Park and Hot Springs State Park. And thanks to the increasing number of people relocating to Wyoming, it’s the perfect place for real estate investors.
With all of this in mind, it’s clear to see why Wyoming is a popular area for real estate investors. But if you’re not yet convinced to purchase properties in this Mountain West subregion of the United States, keep reading!
Why Should You Invest in Wyoming Real Estate?
Here are some of the many reasons why you should consider purchasing Wyoming real estate if you’re an investor.
You Can Build a Diverse Investment Portfolio
There is a diverse range of properties available in Wyoming, from family houses to residential homes to commercial properties. You’ll easily be able to diversify your portfolio by expanding your investments into this area of the country.
Because of the diverse range of properties, you can identify which areas of the property market are most proliferative. You can then reinvest in the properties that generate the most passive income.
Tax-Friendly for Retirees
Wyoming has some of the lowest retirement taxes in the States, making it a popular relocation destination for seniors. Any type of retirement income, whether it’s from a long-term retirement account or social security income, retirees can keep most of their funds.
Because of the constant migration of retirees into the state, the rental demand in Wyoming is high, making it a perfect place for investors.
It’s also a great place for real estate investors who focus specifically on retirement homes. Even if none of your current investments are retirement homes, now is the time to add one to your portfolio!
Low Property Taxes
Wyoming’s property taxes are lower than the national average, with their taxes ranking within the 10 lowest in the country. Thanks to this, it’s a great place for first-time investors to get onto the property market.
Of course, low property taxes are also beneficial for established investors who want to maximize their profits. You’ll be able to afford more properties with your money to expand your portfolio and creates more passive streams of income.
The value of the properties in Wyoming is above the national average. On average, Wyoming houses have been rising in value by more than 5% within a single year.
While increasing house sale prices may not seem ideal for real estate investors, the appreciation of these properties is also above average. So, you can get a great return on investment if you buy now!
Ways to Manage Budget in Uncertain Times
We all notice that prices keep on rising each month due to the inflation rates. Many Canadians feel the squeeze on their monthly budgets as they try to make the ends meet. Consumers feel this pressure and are very concerned about the rising inflation as their spending changes.
Fuel, food, and transport expenses continue climbing in Canada. Strategic home updates, meal planning, and the following tips can help Canadians survive in uncertain times and manage their budget.
How to Manage the Rising Costs of Essentials
Nobody wants to think about the rising cost of living but this is the harsh reality we are currently living on. It is costing people more to purchase groceries and fill their car tanks each month. While some Canadians have some room in their monthly budgets for the fluctuations in their living expenses, many people already feel financial pressure. Some people opt for payday loans Alberta as a way to solve their temporary monetary issues and get quick funding till the next salary day.
However, it only helps for the short term while more and more Canadians are living close to the edge. You should aim to track and examine what you are currently spending. It will help you define what you can reduce and whether some categories of spending may be lowered to free up your funds for essentials.
Budget-Friendly Tips to Help You Pay for the Rising Cost of Living
1. Plan Your Meals
The food prices went up by 9.4% over the past year. While we certainly can’t stop eating, it’s possible to lower spending on groceries. One of the best options is to plan your meals ahead. Thousands of Canadians don’t have a habit of writing their shopping lists before they head out to the supermarkets. As a result, they often overspend as impulse purchases are a common issue.
It’s not a wise solution to waste your funds and food while you can decide what you are planning to cook in advance and go to the grocery store with your shopping list. Furthermore, you may look for discounts and special promotions at the local stores and supermarkets to save more money. See what is on sale this week and plan your meals around the ingredients with discounts.
2. Share Rides to Save on Gas
Increasing inflation is a common concern of people across Canada today. The latest report from Statistics Canada shows that the rate of consumer inflation rose to 8.1% in June 2022. No wonder so many citizens and residents of Canada are worried about the rising costs of living expenses.
Gas prices have also experienced a sudden increase in the last few years. If you start using public transport or carpooling you may lower your transportation costs a lot. Share rides can be beneficial for your wallet and nature as well. When you stop your auto or park it, it’s better to turn the car off to save gas. Another useful fact is that aggressive driving often results in quicker gas consumption so try to drive calmly.
3. Boost Energy Efficiency
Housing expenses are constantly on the rise but fuel oil and natural gas have driven major increases over the last 12 months, as fuel oil went up 73% and natural gas increased by 26%. Speaking about the weather, it’s quite changeable in different parts of Canada. Some parts of the country are rather hot while other provinces are very cold during the winter.
Can you save on heating and energy bills? Yes, you may keep these expenses under control without having to roast or freeze. One of the best methods is to update your HVAC system provided that you can afford it. The reason for getting higher bills can be in the older system. Make certain cool or hot air remains in your house and it’s properly insulated.
Some Canadians apply for green home grants to boost their house efficiency and make the energy costs much more affordable. Another tip is to set the thermostat in your house a bit lower in the winter and a bit higher in the summer. Even several degrees can make a difference and let you save even more by choosing different settings in each room. Ceiling fans, blinds, and curtains can help you decrease the usage of air conditioners and regulate the amount of sunlight.
4. Purchase Things in Bulk
Are you willing to improve your spending habits? A great way of lowering your monthly costs is to buy things in bulk and on sale. If you purchase the necessary things or groceries and share the packages with your relatives or friends, all of you will benefit from it. Buying larger packs is cheaper, while some stores have sales on certain grocery items near the end of the day or early in the morning.
It doesn’t necessarily mean you need to purchase spoiled food. But you may save your money if you choose the food on sale and just cook or consume it within a few days. A wonderful option to lower your overall grocery expenses is to stock up on sales things.
Tracking your expenses doesn’t have to be time-consuming and frustrating. Some consumers can track their monthly spending via their banking institutions while others prefer to write everything down on paper. The first option makes your spending data available to you only after you’ve paid the funds while writing your costs on the list can help you view the whole picture and lower spending if necessary. There are many helpful fintech tools and online apps to help you with that.
The Bottom Line
The best way to manage your costs and see where your income goes is to outline what you are about to spend before you even spend your money. Create a budget for all spending categories, purchase in bulk, look for sales and discounts, save on energy bills, and share rides in order to lower spending. You don’t need to give up all the luxuries, but eating out too frequently or impulse buying may cause a strain on your monthly cash flow.
ARE YOU AWARE OF TOP 10 MOST POPULAR BLOCKCHAIN COMPANIES IN INDIA?
Many people have heard about blockchain, the technology behind the famous cryptocurrency bitcoin. However, not many people know how it could be used in their lives or the industries that could potentially be disrupted by it. India has become one of the world’s most significant adopters of blockchain technology, with various companies implementing blockchain in their businesses and governmental bodies looking into how they can implement it to streamline their operations. Here are some of the top ten blockchain companies in India that you should know about, even if you’re not an expert on this new technology yet.
- Nadcab Technology
If you’re looking for a company to help you with your blockchain needs, Nadcab Technology should be at the top of your list. They have been working with blockchain technology since 2017 and are now leaders in this space. They offer development and consulting services that will meet any need you may have. Their main areas of expertise include blockchain solutions, Smart Contract solutions, Hyperledger Fabric solutions, and security solutions. They can also provide anything from training programs to on-site developers if needed. With more than five years of experience developing enterprise applications, we can confidently say that they are an industry leader for blockchain companies in India.
- Hyperlink InfoSystem
Based in Ahmedabad, Gujarat, Hyperlink InfoSystem is one of the leading blockchain companies in India that specializes in providing world-class solutions for a wide range of industries. With a highly skilled and experienced professional team, they offer a wide range of services that include blockchain development, smart contract development, dApp development, and more. In addition to their excellent services, they also have a solid commitment to customer satisfaction, which makes them one of the best blockchain companies to work with.
- Tata Consultancy Services (TCS)
TCS is one of the top blockchain companies in India. They are a leading provider of consulting, technology, and outsourcing services. TCS has over 400 clients in over 30 countries. They have been working with blockchain since 2014 and are a member of the Hyperledger Project. TCS has been working on developing a blockchain platform for the Indian government. They have partnered with Intel to create an enterprise blockchain solution. In 2017, they announced their foray into Blockchain-as-a-Service (BaaS) solutions for global financial institutions.
- Mahindra Finance
One of the top blockchain companies in India is Mahindra Finance. They offer a blockchain platform that helps streamline the entire lending process. From application to disbursement, the whole process is completed on the blockchain. This makes it easier for lenders and borrowers to track progress and ensure everything is going smoothly. Plus, with smart contracts, there is added security and transparency. The data shared through this blockchain can also be used for research and analytics.
A blockchain development company that offers end-to-end solutions for enterprises, startups, and entrepreneurs. They have a team of experienced blockchain developers who can help you create a secure, scalable, and decentralized application. SoluLab is one of the leading blockchain development companies in India and has helped many businesses launch their own ICOs. If you’re looking for a company to help you develop a blockchain application, SoluLab is a great option.
- Blockchain App Factory
Based out of Chennai, Blockchain App Factory is a leading blockchain development company in India that specializes in providing end-to-end solutions for enterprises across a wide range of industries. They have a team of experienced blockchain developers who are well-versed in developing decentralized applications, smart contracts, and ICOs.
They also have teams in London, UK and Moscow, Russia.
Named one of the top blockchain development companies by Onalytica with its CEO Vishal Gupta listed as one of India‘s Top 50 Influencers on Blockchain Technology by Forbes India.
- Infosys Ltd.
Infosys is one of India’s largest IT services providers and has been working on blockchain technology since 2016. The company has a dedicated blockchain team that develops solutions for clients across various industries. Infosys has also partnered with Microsoft, R3, and Intel to build a consortium-based blockchain platform called EdgeVerve Systems.
- ConsenSys Solutions Inc.
ConsenSys Solutions Inc. is a blockchain software development company based in New Delhi, India. They are one of the leading blockchain companies in the country and are focused on helping businesses build, test, and deploy decentralized applications on the Ethereum blockchain. ConsenSys Solutions Inc. has a team of experienced developers passionate about blockchain technology and its potential to change the world.
- IBM Research Center, India
There’s been a lot of talk about blockchain over the past few years, and there’s a good reason for that. It’s a new form of ledger technology that can fundamentally transform how businesses function and make transactions more secure, transparent, and effective. IBM is leading the way in this innovation.
The IBM Research Center in India is working on various projects exploring different aspects of blockchain technology. They are partnering with Indian banks, insurance companies, and e-commerce sites to help build blockchain solutions that can scale up quickly. These clients include State Bank of India (SBI), ICICI Bank, Kotak Mahindra Bank, Axis Bank, Yes Bank, L&T Infotech Limited (LTIT), Tata Consultancy Services Limited (TCS), Idea Cellular Limited (IDEA), etc.
- Matic Network
Matic Network is a layer-2 scaling solution that uses sidechains to offload transactions from the main Ethereum blockchain. Matic was founded in 2017 by Jayanti Kanani, Sandeep Nailwal, and Anurag Arjun in Bangalore. The company has raised $35 million from investors such as Coinbase Ventures, Andreessen Horowitz, Polychain Capital, and others.
Bringing the world to Ethereum. Polygon is a decentralized Ethereum scaling platform that allows developers to build scalable, user-friendly dApps with low transaction fees without ever sacrificing security. Matic can process 65k transactions per second, while Ethereum can only handle 20TPS. Polygon combines Ethereum and sovereign blockchains into a full-featured multi-chain system. Approximately 7000 DApps have used Polygon to scale their performance.
Blockchain technology is still in its early developmental stages. However, it can potentially change how we interact with the internet and digital systems. These ten companies are at the forefront of blockchain innovation in India and are worth keeping an eye on. The Indian government has been supportive of blockchain technology and its potential applications. The country is home to many innovative blockchain companies helping shape the industry’s future.
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