Financial Risk Manager

Ways of Financial and Risk Management

Story of Appreciation

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One young academically excellent person went to apply for a managerial position in a big company.

He passed the first interview, the director did the last interview, made the last decision.

The director discovered from the CV that the youth's academic achievements were excellent all the way, from the secondary school until the postgraduate research, never had a year when he did not score.

The director asked, "Did you obtain any scholarships in school?" the youth answered "none".

The director asked, " Was it your father who paid for your school fees?" The youth answered, "My father passed away when I was one year old, it was my mother who paid for my school fees.

The director asked, " Where did your mother work?" The youth answered, "My mother worked as clothes cleaner. The director requested the youth to show his hands. The youth showed a pair of hands that were smooth and perfect.

The director asked, " Have you ever helped your mother wash the clothes before?" The youth answered, "Never, my mother always wanted me to study and read more books. Furthermore, my mother can wash clothes faster than me.

The director said, "I have a request. When you go back today, go and clean your mother's hands, and then see me tomorrow morning.

The youth felt that his chance of landing the job was high. When he went back, he happily requested his mother to let him clean her hands. His mother felt strange, happy but with mixed feelings, she showed her hands to the kid.

The youth cleaned his mother's hands slowly. His tear fell as he did that. It was the first time he noticed that his mother's hands were so wrinkled, and there were so many bruises in her hands. Some bruises were so painful that his mother shivered when they were cleaned with water.

This was the first time the youth realized that it was this pair of hands that washed the clothes everyday to enable him to pay the school fee. The bruises in the mother's hands were the price that the mother had to pay for his
graduation, academic excellence and his future.

After finishing the cleaning of his mother hands, the youth quietly washed all the remaining clothes for his mother.

That night, mother and son talked for a very long time. Next morning, the youth went to the director's office.

The Director noticed the tears in the youth's eyes, asked: " Can you tell me what have you done and learned yesterday in your house?"

The youth answered, " I cleaned my mother's hand, and also finished cleaning all the remaining clothes'. The Director asked, " please tell me your feelings."

The youth said, Number 1, I know now what is appreciation. Without my mother, there would not the successful me today. Number 2, by working together and helping my mother, only I now realize how difficult and tough it is to get something done. Number 3, I have come to appreciate the importance and value of family relationship.

The director said, " This is what I am looking for to be my manager. I want to recruit a person who can appreciate the help of others, a person who knows the sufferings of others to get things done, and a person who would not put money as his only goal in life. You are hired.

Later on, this young person worked very hard, and received the respect of his subordinates. Every employee worked diligently and as a team. The company's performance improved tremendously.

A child, who has been protected and habitually given whatever he wanted, would develop "entitlement mentality" and would always put himself first. He would be ignorant of his parent's efforts. When he starts work, he assumes that every person must listen to him, and when he becomes a manager, he would never know the sufferings of his employees and would always blame others. For this kind of people, who may be good academically, may be successful for a while, but eventually would not feel sense of achievement. He will grumble and be full of hatred and fight for more. If we are this kind of protective parents, are we really showing love or are we destroying the kid instead?*

You can let your kid live in a big house, eat a good meal, learn piano, watch a big screen TV. But when you are cutting grass, please let them experience it. After a meal, let them wash their plates and bowls together with their brothers and sisters. It is not because you do not have money to hire a maid, but it is because you want to love them in a right way. You want them to understand, no matter how rich their parents are, one day their hair will grow gray, same as the mother of that young person. The most important thing is your kid learns how to appreciate the effort and experience the difficulty and learns the ability to work with others to get things done.

You would have forwarded many mails to many and many of them would have back mailed you too...but try and forward this story to as many as possible...this may change somebody's fate...


posted @ 10:44 AM, ,

Domain Name

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Domain names are the foundation on which a website can be built. Choosing a domain name is important for a number of reasons: it is used to build your brand online, it is used in your advertising, it is used for search engine optimization and ultimately it is what customers will use when finding you online. Domain registration is critical to your online business success.

One thing to do is decide on several different options for your name. While the name of your company is a great place to start it's a good idea to come up with a few alternatives as well. Ideally, choosing a .com is optimal because users tend to default to .com when typing in a URL, however .net and .org do have value. Using keywords in your domain name can potentially help your search engine results for those terms. You should also do a background check on the names you would like to use. The last thing you want to do is buy a domain that is viewed negatively by Google. Using a WHOIS tool you can use to aid in this research.

After you've registered your domain you should try to get a site up as quick as you can. A domain name doesn't do you any good if there is nothing to attract potential customers. This also lets you start to gain the trust of search engines by establishing your online presence.

posted @ 10:16 AM, ,

Punjab Government Mulling Privatising BoP

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The Punjab government is contemplating to privatise the Bank of Punjab (BoP) with the aim that proceeds of the privatisation of bank will help bailout the provincial government from current financial crunch and Mian Muhammad Mansha, a prominent banker is the potential buyer, Business Recorder has learnt.

Sources told this scribe that Punjab government officials and BoP senior management has given a detailed briefing to the PML-N Quaid Nawaz Sharif and Mian Mohammad Mansha owner of Muslim Commercial Bank (MCB) limited regarding the equity, assets, manpower and infrastructure of BoP.

It may be added that during first tenure of Nawaz Sharif as Prime Minister (1991-93) Mian Mansha purchased the state owned Muslim Commercial Bank (MCB) which is now one of the leading banks of Pakistan with a deposit base of Rs 368 billion and total assets over Rs 500 billion.

It may be added that Punjab government has been living on over-drafts of nearly billions of rupees from the State Bank. In order to improve its financial position it has already identified and put 1410 properties including commercial, residential and agriculture lands for sale to fetch more than Rs 12.5 billion from market since November 2009.

Till the end of January 2011, out of total properties on sale, the Punjab Privatisation Board sold out 325 properties of all kinds in open auctions and earned Rs 3.29 billion to meet its expenses said an official. In January this year, the government also announced rightsizing in public sector to save Rs 6.1 billion from current expenditures, he added.

It is pertinent to mention here that Punjab government established BoP in 1989, in pursuance of The Bank of Punjab Act 1989 and was given the status of scheduled bank in 1994. The Bank of Punjab is working as a scheduled commercial bank with its network of 284 branches at all major business centres in the country. The Bank provides all types of banking services such as Deposit in Local Currency, Client Deposit in Foreign Currency, Remittances, and advances to Business, Trade, Industry and Agriculture. A wholly owned subsidiary of BOP, First Punjab Modaraba, was established in 1992 and is being managed by Punjab Modaraba Services (Pvt) Ltd.

The Punjab government has owned 51 percent shares of the bank whereas 49 percent shares were owned by various individual, companies and foreigners. According to official record, the deposits of BoP is calculated Rs 225 billion till December 2010. Whereas, its assets were calculated Rs 173.6 billion according to Annual General Meeting 2008. The manpower is above 6,000 employees.

The bank remained under tremendous financial pressure during 2009 and 2010 owing to bad loaning particularly to Haris Steel Mill by the former president Hamesh Khan. The Punjab government provided Rs 10 billion finances to bank as equity injection to come out from the crises. Now BoP is doing business at breakeven level (no profit no loss basis), said an official requesting anonymity.

A senior finance department official said banking was a corporate activity and should be done by the private sector. If the government was interested to privatise BoP, fair market value should be carried out first to assess the total outlay (equity+loan+assets) of the bank to attract most appropriate price from the market. Privatisation should be done in open auction. It was in the interest of the government to privatise bank because it was passing through constant financial crises to deal government business and financial issues. The privatisation would help the government to avoid future loss and generate handsome funds to be diverted into development projects, he added.

Another senior Punjab government official requesting anonymity said discussions were being made at high level and political elite would decide about the privatisation of the bank. The privatisation would be done under "The Punjab Privatisation Board Act, 2010, he added.

The Punjab government can sell only 51 percent shares owned by her and the new management would purchase the remaining shares in hostile take-over from stock markets. If 51 percent shares would be sold then the purchaser would take-over the management control of the bank, he added. When contacted, Tariq Bajawa secretary finance Punjab said "it is not in my knowledge."

When asked, Ameer Mumtaz media manager BoP said it was news for me that bank was going to be privatised. When contacted, Mubashir Bashir head of corporate communication MCB on the behalf of Mansha said "we have no such intentions yet," adding that it was routine that Mansha holds meetings on various issues.

He said Mansha purchased MCB during first tenure of Nawaz Sharif as Prime Minister (1991-93) Mian Mansha purchased the state owned Muslim Commercial Bank (MCB) which is now one of the leading banks of Pakistan with a deposit base of Rs 368 billion and total assets over Rs 500 billion. Incorporated in 1947, MCB soon earned the reputation of a solid and conservative financial institution managed by expatriate executives.

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posted @ 5:29 PM, ,

Money Market, Forex and General Upadtes - 24-02-2011

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Money Market Updates

State Bank of Pakistan is to conduct a T-Bill auction today. The target of the auction is Rs. 150 billion. Participation in 3 months, 6 months and 1 year t-bill is recorded at Rs 183,757 million, Rs 63,326 million and 21,600 million respectively.

Forex Market Updates

Benchmark crude oil prices rose to a record high in two and a half years and gain $5 US a barrel and closed at $95 a barrel and Brent crude oil futures in London added $2.2 a barrel and closed at $108 approximately, due to revolts in Libya.

General Updates

-July to January exports increased by 22.7 percent which is a record high during this ongoing fiscal period as compared to last year. The exports for the period of July to Jan 2010-11 totaled to $13.23 billion against $10.78 billion of last year’s corresponding period. Pakistan’s exports in January were recorded at $2.329 billion depicting a 38.2 percent increase against $1.685 billion made in January 2010.

-The imports in January 2011 were $3.44 billion being 3.4 percent higher than the exports recorded in January 2010. The total imports for July-Jan 2010-11 were recorded at $22.55 billion against $19.32 billion for the same period previous year showing an increase of 16.7 percent.

-Pakistan’s energy sector is facing a circular debt of about Rs. 500 billion which includes Rs. 300 billion old and Rs 150 billion fresh debts. The fresh debts are created due to inefficient top brass of Pakistan Electric Power Company.

-The government has released Rs 1.2 billion against the allocated Rs 8.7 billion which is 13 percent of the total allocation to the agriculture sector. There were 59 total projects to be completed with the allocated amount from which Rs 5.2 billion were allocated for Improvement of Watercourses for which Rs 672 million were released so far.

-Japan International Cooperation Agency is to provide $175 million soft loan for construction of damaged roads and bridges in Khyber Pakhtunkhwa that were swept away by flood.

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posted @ 4:13 PM, ,

Easter Revision Courses

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Lansdowne College has successfully run Easter Revision Courses for over 25 years. During this time the have helped thousands of students realise their full academic potential at both GCSE and A Level, enabling them to progress onto their chosen path for their studies. Students often find themselves unaware of exactly what the examiners are looking for and subsequently unsure of what makes an A grade answer. The Easter Revision Courses at Lansdowne remedy this by not just focusing on the subject content, but also on extensive and comprehensive examination preparation, including a free mock examination at the end of the course.

Their easter revision courses london succeed by establishing what students already know and understand, through tasks, class discussions and homework. Only then can tutors ensure the right kind of feedback and help. Many students are hardworking and diligent in their studies and approach, and yet still find the top grades beyond their grasp. This is often due not to a lack of ability, but to poor revision techniques, inadequate examination preparation and practice, as well as a general lack of confidence.

posted @ 11:07 AM, ,

UBL Declares 40 Percent Dividend

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United Bank Limited (UBL) has posted a record consolidated profit before tax of Rs 11.020 billion for year ending December 31, 2010 and declared a final cash dividend of Rs 4 per share. According to financial results sent to KSE here Monday, the pre- tax profit of the bank has surged to Rs 17.688 billion compared to Rs 14.392 billion in 2009. The earning per share also improved to Rs 9.01 during the period under review as against Rs 7.78 last year. 

posted @ 10:59 AM, ,

Patio Heaters

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A patio heater also called a mushroom or umbrella heater is an appliance for generating radiant heat for outdoor use. A burner on top of a post, burns LPG or propane, and directs the flames against a perforated metal screen. Heat is radiated from the surface of the screen in a circular pattern around the appliance. A reflector atop the burner reflects heat that would be otherwise lost upwards. The chimenea is an alternative to the patio heater for home use, which burns wood instead of gas.

A newer type of Patio Heater is the InfraRed Patio Heater, which although claimed to be environmentally friendly, use grid electricity. Grid electricity in the UK is 2.9 times more carbon intensive than gas. Patio heaters have become popular with bars and restaurants since they extend the day and the season for their customers to sit outdoors. This increase in the popularity of the patio heater has led to concerns over their environmental effects.

posted @ 10:53 AM, ,


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National Bank of Pakistan (NBP) has formally launched instant, reliable, convenient and absolutely free remittance product in Madina region of Kingdom of Saudi Arabia.

According to NBP here, the product with the brand name of "NBP FOREE CASH" was launched on 12th Rabi-ul-Awwal. This instant remittance product is available from all centers of Tahweel Al Rajhi to facilitate the large Pakistani community for sending instant remittances to their families at home.

It is a cash-to-cash remittance delivery product through which beneficiaries from across Pakistan can receive home remittances in minutes from their loved ones abroad.

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posted @ 11:11 AM, ,

New Build Homes

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As a property owner you should always choose to sell your property privately, as many sellers now realize the financial gain when selling property privately without the presence of an Estate Agent. At Your Property Key we will make a real difference in marketing your private property sale as they are highly ranked with all major search engines, cover the entire United Kingdom, have a well proven record and offer great value for our service..

Search for your Next Home! Browse their constantly updated property database for the latest homes for sale privately. All their property adverts and For Sale Boards are linked by a reference number, also adverts show a listing date to ensure they are current and relevant to you. Just follow our Buying Guide for more information. You can also Register With them to sell your new build homes as per your requirements and receive the latest properties direct by e-mail.

Advertise your property online by simply following our Selling Guide. Select the best sales package to suit your selling requirements, complete our property form, e-mail up to 10 of your photographs, then relax and let us create your advert and your property will be listed until sold.

posted @ 11:07 AM, ,

C/A Deficit At $81 Million Forex Reserves Rise to a Record $17.44 Bln

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Pakistan's current account deficit for July-January was a provisional $81 million, compared with a deficit of $3.052 billion in the same period last year, the central bank said on Friday.

In January, the current account deficit was a provisional $62 million, compared with a surplus of $570 million in December. The current account deficit for the fiscal year 2009/10 was $3.946 billion, compared with $9.261 billion in fiscal year 2008/09.

Pakistan's foreign exchange reserves rose to a record $17.44 billion in the week ending Feb. 12, up from $17.31 billion the previous week, the central bank said on Thursday. Reserves held by the State Bank of Pakistan rose to $13.91 billion from $13.76 billion in the week ending Feb. 12, while those held by commercial banks fell to $3.53 billion from $3.55 billion, said the SBP.

"Foreign exchange reserves rose to a record because of a rise in remittances and increasing exports," said Syed Wasimuddin, chief spokesman for the central bank. Remittances by overseas Pakistanis were recorded at $6.12 billion during the first seven months of the fiscal year 2010/11, up 17.70 percent from the same period last year, according to data from the State Bank of Pakistan.

Pakistan's foreign exchange reserves were boosted last month by more than $633 million after the United States provided military and logistical support to fight Islamist militancy. In May, Pakistan received $1.13 billion -- the fifth tranche of an $11 billion International Monetary Fund bailout programme.

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posted @ 10:56 AM, ,

Absolutely Delicious

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Pouring a glass of your favorite tipple to accompany dinner can be just the thing to finish off a busy day. However, for those who would like to change their drinking habits, an alternative has been suggested.If you're looking for a top notch selection of wines, and you only want six of them...then this fantastic case is right up your alley. Featuring delicious wines perfect for a plethora of different tastes and occasions, from all corners of the globe. This case will ensure that you've always got the right bottle to pop open, whether it's to pair with your evening meals, treat guests or indulge yourself. As this is a six pack, no vouchers may be used.

We've put this case together for those occasions when six bottles is all you need. Perfect for parties and aperitifs, white wine lovers will be sure to enjoy every last drop of the stunning selections in this case. Red fans won't feel left out, with gorgeous wines ideal for your evening meals or when you've sunk into the sofa watching the box. Visit the neatly laid out site of wine delivered and see what they are offering and how?

posted @ 10:48 AM, ,

Venetian Blinds

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Whether you have a traditional style home or one that has been designed along more contemporary lines, made to measure Venetian blinds look great in any part of your home. Materials used to make these blinds include traditional aluminium slats, wood effect or real wood.

Customers love selection of cheap Venetian blinds as they bring an uncluttered, clean feel to any room. They are available in a wide range of different styles and materials, as well as in an exciting choice of colours - so there is sure to be one that suits your interior. From a practical point of view, these top quality yet cheap Venetian blinds offer a great way of filtering or blocking light out of a room - or indeed allowing maximum sunlight to enter when desired.

All our made to measure Venetian blinds are very easy to operate - with two simple controls. One cord is used to control the height of the blind, while the other controls the angle of the slat. And because we make your blinds to your exact requirements, you can decide which side of the blind the control mechanism should be on. From a cleaning point of view, these blinds can be easily wiped clean with a damp cloth.

If you're looking for Cheap venetian blinds that offer superb levels of build quality, Blinds Supermarket has some great products to help make your home look fantastic

posted @ 11:55 AM, ,

Dollar Range Bound Ahead of G20 Meeting

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The dollar was rangebound against major currencies in Asia trade Friday following a negative market response to US data overnight and ahead of the G20 finance ministers' Paris meeting this weekend. The dollar traded at 83.36 yen in Tokyo compared to 83.30 in New York late Thursday. The euro rose to $1.3614 in Tokyo from $1.3605. The common currency firmed to 113.54 yen from 113.33.
US jobless claims and January inflation rose above expectations, and the dollar eased slightly on the mixed data as markets took an overall negative view, noted National Australia Bank's Spiros Papadopoulos.

"Investors appear to be focused on whether an improving business outlook will actually feed through to improvements in the labour market," he said. Dollar investors shunned the news of a strong rise in the regional industrial activity index of the Philadelphia branch of the Federal Reserve. Dealers cited increasing tensions in the Middle East and rising global inflation as the two key themes in the markets.

Oil prices were expected to rally higher in the event of escalating unrest, they said.

Brent oil briefly hit $104 per barrel on Thursday on such concerns after it rose to $104.52 on Wednesday the highest level since late September 2008 after Israel said Iran was sending two warships into the eastern Mediterranean.

Motonari Ogawa, senior dealer at Barclays Bank, expected investors to unwind long positions in the greenback ahead of a three-day weekend in the United States, while also saying that a large sell-off is unlikely. "It's better to assume the pair will briefly fall below 83.00," Citibank Japan's chief foreign exchange strategist Osamu Takashima also told Dow Jones Newswires. Group of 20 finance ministers and central bank governors are to meet for the first time under the bloc's French presidency Friday and Saturday in Paris, aiming to hammer out common criteria for measuring global economic imbalances.

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posted @ 11:54 AM, ,

Monaco Grand Prix

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The Monaco Grand Prix is one of the most prestigious events in the sporting calendar attended by the royal, the rich and the famous. Luxury yachts, helicopter transfers, private parties and of course the best hospitality along the Cote d’Azur offers excellence as standard to any visitor whether it is a private break or part of a corporate hospitality package. We’ll also be hosting an exclusive yacht party to which our hospitality guests are invited free of charge. Monaco Grand Prix packages provided by us promise a weekend to remember at an F1 event that is more than just a race - it’s an experience of a lifetime.

Their Monaco Monaco grand prix hospitality packages are available for general admission to the grandstand through to VIP Balcony or VIP Yacht hospitality options. There is also a wide choice of optional extras available so you can tailor your own Monaco Grand Prix hospitality experience to suit your budget and your style. Book your 2011 Monaco Grand Prix package with us by emailing your enquiry or calling one of our experienced hospitality managers here at Paragon and we will tailor the ideal package for you.

posted @ 1:24 PM, ,

Economic and Business Updates - From 7th to 13th Feburary, 2011

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THE CPI inflation surges by 14.19 per cent in January 2011 over the corresponding period last year with prices of perishable food items soaring to 44.39 per cent, according to the Federal Bureau of Statistics. 

EXPORTS witness a record growth of 38.2 per cent at $2.329 billion during January 2011 as compared to $1.658 billion in January 2010. 

RICE exports cross $1billion-mark during the first seven months of this fiscal year on the back of rising paddy prices on the international markets. 

THE total refinery production in the country declines by nine per cent in the first seven months of FY 11 as compared to that in the same period last year. 

THE exporters fail to bring back $316 million export proceeds in initial months of the current financial year and the outstanding export dues mount to $927 million. 

AS the Sindh government is mounting pressure to get four dormant gas fields from OGDCL, the latter has refused to accept the demand. It has asked the provincial government to pay wellhead price of hydrocarbon resources as per petroleum concession accord in light of the decision of ECC of the Cabinet. 

THE total debt and liabilities services cross over rupees one trillion in the fiscal year 2009-10 and Rs305 billion are paid in the first quarter of the current fiscal year, SBP data reveals. 

THE KESC and the Global Mining Company of China sign MoU for fuel replacement initiative through converting two of six generation units of Bin Qasim Power Station from furnace oil to coal. 

THE United States Agency for International Development releases first tranche of $20 million to Wapda for Gomal-Zam Dam project. 

OVER 0.32 million animals are exported under the commercial export of live animals through open policy since May 2009, the Senate is informed. 

THE Competition Commission of Pakistan achieves a breakthrough in enforcement activities when a large business association admits opera-ting as a cartel and requests the CCP to take a lenient view in imposition of penalty. 

DEVASTATING floods last year has caused severe losses to the economy and destroyed over three million bales of cotton resulting in cumulative loss of about 1.5 per cent to GDP. 

THE Trading Corporation of Pakistan, on the directives of the Economic Coordination Committee of the Cabinet, signs an agreement worth $100 million with Saudi Basic Industrial Corporation for import of 300,000 tons of urea to meet local demand. 

THE country receives $6.12 billion remittances during July-January 2010-11, showing an increase of 17.7 per cent against $5.198 billion over the corresponding period last year.

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posted @ 10:43 AM, ,

Rustic Furniture

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Rustic furniture brings nature into your home for a warm feeling of comfort relieving you from the stress of everyday life. We carry rustic furniture created by many different craftsmen using many different furniture making techniques and materials. Woods like cedar, hickory, oak, walnut, and maple are used in rustic furniture because these woods show natural beauty giving you a rustic feel with wood grains that show age and strength in their beauty.

Furniture making techniques vary with each craftsman that creates these pieces of rustic furniture. Some rustic furniture is made with larger exposed logs. These logs may have had their bark pealed away to show the wood's inner beauty as commonly seen in cedar furniture, or it may have the bark still on the exposed log as is common with hickory furniture. Larger log furniture like log beds usually have the logs tapered on the ends where the furniture maker will fit the logs into each other much as a log furniture has each log hand crafted to fit into the next log. Some of our rustic log furniture also has twigs intertwined within the piece of furniture giving you the look of an entire tree being grown specifically for the piece of furniture. These pieces of log furniture are sure to become family heirlooms with their stunning craftsmanship.

posted @ 9:44 AM, ,

ADB Lends $242 Million To Pakistan For Power Sector

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The Asian Development Bank will provide $242 million to Pakistan to help it modernise electricity transmission lines and curtail losses that have contributed to a crippling power shortage, the bank said on Friday. Pakistan faced a power shortfall that peaked to between 4,000 and 5,000 MW during the 2010 summer, sparking street protests and adding to the government's problems as it battles a deadly Islamist militancy.

The new loan is part of $810 million the Manila-based bank approved for Pakistan in 2008 for the country's Power Distribution Enhancement Investment Programme, the bank said in a statement. "This project will not only reduce electricity loss during delivery to the customers but also improve the quality of service," said ADB's country director, Rune Stroem, who signed the loan agreement with Pakistani officials on Friday.

Outdated power grids and rampant electricity theft mean that some grid companies experience line losses of up to 30 percent to 40 percent, energy experts say. The project includes investments in a secondary transmission grid and will include the addition of 3,380 megavolt-amperes of transformer capacity, and 387 km of new distribution lines.

The bank this month also approved a loan of up to $100 million to U.K-based International Power PLC to build a gas-fired 404-megawatt power plant in the southwestern Baluchistan province, scheduled to be completed by September, 2013. The power crisis has crippled industry, and frequent power outages, lasting up to 18 hours in some rural areas, led to violent protests last year.

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posted @ 11:59 AM, ,

Email Marketing

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Today’s email marketing is perfectly suited to the way small businesses have always operated. It is personal, immediate, easily tailored to what makes you unique. Above all, it’s practical. Email Marketing is effective, affordable, easy, fast grows relationships and measurable. A great advantage of email is that everything can be tracked. Unlike direct mail, from the moment you send an email, you can see how many people opened it, clicked on certain links, forwarded it to others, and much more!

EasyContact by Deluxe is an intuitive email direct marketing that lets you easily create, send and manage email campaigns with ease. All of their solutions are designed to meet your specific email marketing needs including creative design, contact list management, scheduling, performance tracking and more. With plans starting as low as $9 a month, EasyContact offers unmatched value and flexibility for businesses of all sizes. Check out which plan best suits the needs of your business and get started today!

posted @ 11:58 AM, ,

Money Market and General Upadtes - 04-02-2011

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Money Market Updates

  • State Bank of Pakistan conducted OMO (open market operation) mopup today for six days., market participated with 36 billions where as 26 billions were taken at a cutof 12.30%
General Updates

  • The Federal Board of Revenue (FBR) can easily manage its revenue shortfall for annual budgetary target by collecting income tax from the beneficiaries of loan write-offs. Although the Board has powers to charge income tax from the beneficiaries.

  • Steadier trend was seen on the currency market on Thursday as the rupee managed to gain versus the US currency despite the higher demand for dollars, dealers said. The rupee almost retained its overnight level against the dollar as it did not show any variation for buying at 85.50, it, however, inched up with a gain of one paisa for selling at 85.54, they said. 

  • The State Bank of Pakistan (SBP) has advised the general public to exchange the old-design and bigger-size banknote of Rs 500/- from the field offices of SBP Banking Services Corporation and the branches of all commercial banks throughout the country up to 30th September 2011. It may be recalled that the federal government has earlier notified that the old design banknote of Rs 500 (introduced in April 1986) will cease to be the legal tender and not exchangeable with effect from 1st October 2011. 

  • Pakistan has successfully achieved sugarcane production target as 55 million tonnes of sugarcane production has been recorded across the country, officials at Ministry of Food and Agriculture (MinFA) told Business Recorder. Officials revealed that those areas, which were not affected by the floods yet benefited from increased rainfall last year recorded 55 million tonnes of sugarcane output.


posted @ 7:07 PM, ,

Tramadol For Online Sale

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Many people suffer from different types of pain in their bodies. Some keep suffering in silence and some other look around and find help. One can consult doctors and treat their pains and live healthy. Given the advances in medical science, every problem has a cure. How to find an effective cure is what matter?

I myself had lumbago and my doctor told me to live with this. That is difficult though. Given my own quest, I keep looking for new solutions online. Searching for some good pain reliever, I came upon cheap tramadol. However, this question arises that how can i buy tramadol online - This is a synthetically made medicine that claims to relieve pain and it is usually prescribed to help with moderate to severe pain. The Tramadol is from a class of drugs known as opiate agonists that work by altering the manner in which the body senses pain and we human feel it. The site has information including where tramadol for sale online -  is available without prescription.

This goes without saying that any medicine should only be taken with consultation of the competent doctor who after finding out the clinical history of the patient can prescribe proper medicine, dosage and the period. Then patients should take the drug exactly as advised by their doctors who know better than what is given online guides and other accompanying medical literature. Medicines interact as per the condition of the patients therefore wise is to take care and act carefully and avoid any serious repercussions later that may prove dangerous. Still, if you need, you can buy tramadol online without a prescription.

Choice is yours. There is a lot of information about how to buy tramadol online no prescription - and its possible side effects available online. My suggestion is that you learn all about the drug and how it should be used and under what condition and make an informed health decision.

posted @ 5:19 PM, ,

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