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 रेपो रेट क्या है और इसका अर्थव्यवस्था एवं आम आदमी पर प्रभाव रेपो रेट केंद्रीय बैंकों, जैसे भारतीय रिज़र्व बैंक (RBI), द्वारा मुद्रास्फीति, मुद्रा आपूर्ति, और समग्र आर्थिक स्थिरता को नियंत्रित करने के लिए उपयोग किया जाने वाला एक महत्वपूर्ण उपकरण है। लेकिन वास्तव में रेपो रेट क्या है, और यह अर्थव्यवस्था और आम आदमी को कैसे प्रभावित करता है? रेपो रेट क्या है? रेपो रेट, या पुनर्खरीद दर, वह ब्याज दर है जिस पर वाणिज्यिक बैंक केंद्रीय बैंक से पैसे उधार लेते हैं, बदले में अपनी सिक्योरिटीज बेचते हैं और बाद में उन्हें पुनः खरीदने का समझौता करते हैं। यह मूल रूप से एक अल्पकालिक ऋण है जो बैंकों को उनकी तरलता का प्रबंधन करने में मदद करता है। जब केंद्रीय बैंक रेपो रेट में परिवर्तन करता है, तो यह बैंकों के लिए उधार लेने की लागत को प्रभावित करता है, जो बदले में बैंकों द्वारा उनके ग्राहकों से लिए जाने वाले ब्याज दरों को प्रभावित करता है।  रेपो रेट का अर्थव्यवस्था पर प्रभाव 1. मुद्रास्फीति पर नियंत्रण:    - रेपो रेट बढ़ने पर: जब केंद्रीय बैंक रेपो रेट बढ़ाता है, तो बैंकों के लिए उधार ल...

The SAHM Rule: A Valuable Tool for Economic Indicators in America In the world of economic analysis, predicting recessions and understanding labor market trends are crucial. One tool that has garnered attention for its effectiveness in these areas is the SAHM Rule. Named after economist Claudia Sahm, this rule provides a straightforward and reliable method for identifying the onset of a recession using labor market data. Let's delve into what the SAHM Rule is, how it works, and its significance in the context of the American economy. Understanding the SAHM Rule The SAHM Rule is a recession indicator based on the unemployment rate. It posits that when the three-month moving average of the national unemployment rate rises by 0.50 percentage points or more relative to its low over the previous 12 months, a recession is likely underway or imminent. This simple yet powerful rule leverages the timely and high-quality data provided by the Bureau of Labor Statistics (BLS) to offer an early...

Key Highlights of India's Budget 2024 Economic Overview - GDP Growth: India aims for a GDP growth rate of around 7% for the fiscal year 2024-2025. - Fiscal Deficit: Target set at 5.9% of GDP, continuing the path towards fiscal consolidation. - Inflation: Efforts to keep inflation within the targeted range of 4% with a 2% margin. Taxation - Personal Income Tax: No changes in tax slabs. Standard deduction increased by ₹50,000. - Corporate Tax: Tax rate remains unchanged. Extension of concessional tax rate of 15% for new manufacturing companies till March 2025. - Goods and Services Tax (GST): Simplification of GST filing process and measures to curb tax evasion. Agriculture and Rural Development - PM-KISAN Scheme: Allocation increased to provide ₹6,000 annually to farmers in three installments. - Agri Infrastructure: ₹1.5 lakh crore allocated for the development of agricultural infrastructure, including cold storage and warehousing. - Rural Employment: Enhanced budget for MNREGA to en...

AI and ML: Catalysts for Unprecedented Business Innovation and Growth   Machine learning (ML) and artificial intelligence (AI) are changing the way businesses operate in many kinds of sectors. Companies are pouring resources into artificial intelligence and machine learning in order to maintain a competitive edge and keep up with the latest innovations, since these technologies are expected to provide $3.9 trillion in value for businesses by 2022. Explore how new technologies are causing companies to undergo radical changes and experience growth like never before. 1. A Better Experience for Customers Chatbots and virtual assistants, which are powered by artificial intelligence, have entered the mainstream of customer support solutions. Actually, by the year 2021, 85% of client contacts will be handled automatically. Amazon and Netflix are just two examples of the companies that have used AI algorithms to boost sales by 10-30% via tailored suggestions. 2. Efficiency in Operations B...

 "Top Automated Tools for Effortless Portfolio Management" Automated tools for portfolio management can streamline the process of tracking, analyzing, and optimizing investment portfolios. Here are some popular automated portfolio management tools: 1. Personal Capital: Personal Capital offers a comprehensive suite of financial tools, including portfolio management, retirement planning, and investment tracking. It provides a holistic view of your financial situation, including investments, assets, and liabilities, and offers personalized investment recommendations based on your goals and risk tolerance. 2. Wealthfront: Wealthfront is a robo-advisor that uses algorithms to create and manage diversified investment portfolios tailored to your financial goals and risk preferences. It automatically rebalances your portfolio and tax-loss harvests to maximize returns and minimize taxes. 3. Bettermen: Betterment is another robo-advisor that offers automated portfolio management servic...

 At a time when the conflict in Ukraine has been going on for a very long time and the specter of inflation brought on by the high price of crude oil has became a global problem, crypto currencies are also falling into a bad zone for the rest of the world.  Investors have taken a blow as a result of the global cryptocurrency market's loss of roughly $830 billion in over six weeks, which came at a time when stock markets throughout the globe are experiencing dramatic ups and downs.  On May 16, the worldwide market capitalisation (m-cap) of cryptocurrencies was $1.27 trillion , down from less than half of the $2.83 trillion it had reached in November of previous year. Bitcoin, the most costly cryptocurrency, had a price per coin of $29,504.9 (about Rs 23 lakh), which was down significantly from its November value of $64,862 (approximately Rs 50.5 lakh). The sudden failure of the "Stabblecoin" (code name UST) in the second week of May was responsible for the large decline. ...

 Many times, it occurs that despite all the documentation being proper, the loan is not able to be identified. As a result, the banks inform the borrower that they have a negative credit score. Your credit score may suffer more damage if, in addition to the missed payment on the EMI, you are also late with the payment on the loan or credit card. If your credit score has dropped as a result of this circumstance, then it is important that you learn how to raise it here. What factors lead to a decrease in one's credit score? If you have taken out a loan from a bank and are unable to make the required monthly payments on time, then your credit score will suffer as a direct result of this circumstance. When a loan settlement, a loan default, or a credit card payment is not paid on time, a person's credit score suffers, and this is reflected in the person's overall creditworthiness. In addition to this, if you have agreed to be a guarantor for a loan and the money for the loan ha...

 The Reserve Bank of India (RBI) has directed that all banks, ATM networks, and white label ATM operators (WLAO) allow consumers to withdraw cash from ATMs without using credit or debit cards. Many banks currently provide this Interpol Cardless Cash Withdrawal (ICCW) service. You will not require a debit or credit card when the modifications are implemented in all banks' ATMs. ATM network need for UPI integration The Reserve Bank of India (RBI) has requested that the National Payments Corporation of India (NPCI) incorporate the universal payment interface (UPI) from all banks and ATM networks so that transactions may be validated. The RBI said in the circular, "All banks, ATM networks, and WLAOs shall provide ICCW on their ATMs. In addition, NPCI has been mandated to link the Unified Payments Interface (UPI) with all banks and ATM networks." ATM stands for 'Automated Teller Machine.' At 1967, the world's first ATM was built in the Barclays branch in Infield. A...

 These days, food costs are soaring in nations all over the globe. The export of food grains and fertilizers has been impacted by climate change, heat, drought, and flooding, as well as the continuing conflict in Ukraine during the last several weeks, all of which have a negative impact on the ordinary people's finances. According to experts, if food prices continue to climb at this rate, a number of issues may occur. Food costs reached a 14-year high. According to the International Panel of Experts on Sustainable Food Systems (IPES), the price of cereals in March reached its highest level in fourteen years, while the price of maize reached its all-time high. According to the research, climate change, widespread poverty, and armed conflict today pose a severe danger to global food security. If appropriate measures are not implemented, exorbitant prices may become the norm. Why have food costs increased so drastically? War has halted grain shipments from Russia and Ukraine, which ac...