Monthly Archives: June 2018

Limitations Of Federal Direct Loan

Limitations Of Federal Direct Loan

Before applying for these loans it is always a good idea to know about few limitations that the Federal Direct Loans have despite all the various advantages they have. If the students come under the graduate students, they are not qualified for subsidized Federal Direct Loan. The federal government will pay the interest on the loan taken by undergraduates who meet the criteria for income qualification and qualify for Direct Subsidized Loan, they will not give the option to graduate students. In this case, they are eligible for only unsubsidized loans. In this case, graduates can do trading to get extra cash through the automated trading robot.

The rate of interest is high for graduated applicants. The charges applied for graduates is quite high than the undergraduates. The charges for the year of 2015-2016 for grad students was 5.84% and for undergraduates, it was 4.29%. The rates for these loans is fixed to 10-year Treasury note, but still, the graduates need to pay high charges for interest rate than undergraduates.

The loans that are given are limited. The limits of dollar for Federal Direct Loans are different and depend upon a lot of criteria, applicants whose needs cannot be covered by these limits will have to look for other option to support them. Along with Federal Direct Loan, they will have to depend on other sources like private loans that have interest charges that are considerably high.

Loan limits for people who are dependent are low as well. Suppose the student is undergraduates and applies for Direct Unsubsidized Loans and says that they are depending on the tax returns of their parents and guardian are allowed to borrow lesser amount than students who are independent and file their tax returns on their own.

Comparison of what dependent students and independent students can borrow from Direct Unsubsidized Loan.

  1. The loan is offered annually and for the first year which is known as freshman year, the dependents can get $5,500 from the Federal Direct Loan whereas the independent students can get $9,500.
  2. For the second year which is known as the sophomore year, the dependents will be rewarded $6,500 whereas the independents will get $10,500
  3. For the third-year and any other years that follow which is also known as a junior year and senior year, the dependents will get $7,500 and independents will get $12,500.
  4. During cumulative dependents will get $31,000 and on the other hand, independent students will get $57,500.

The Essential Elements To Consider While Investing A Stock

The Essential Elements To Consider While Investing A Stock

A trader doesn’t become a successful trader in his very first execution of a trade. It takes time, even a decade to become a successful trader. And, being successful doesn’t mean earning a constant return without any loss. A trader is said to be successful in trading when he has an explicit knowledge about trading methodology, the type of stock to invest, where and when to invest, time to enter and exit trade etc. Many factors need to be considered to become a successful trader. With the invention of the automated trading robot, it is now easy to become a successful trader within a few years of trading experience.

Although the trading methodology, analysis, and timely execution determine your profit, the primary factor in investment lies in choosing the right stock for investment. Majority of investors fail to choose the right stock for investment. The impact of this action results in a loss. Every investor must execute proper research before investing in any stock. One must think beyond before entering and executing the trade. Let us learn the essential elements to consider before purchasing any shares.

1) Information: Never purchase a share if you don’t have overall information about it. Some stocks may be new to the market and lack information. In such scenario, do some groundwork to find out the future value, the growth, the product the company deals, marketability of the product, the services offered and the total number of employees. With the help of search engines, it is easy to find any information about any company. Moreover, most of the data is made available to the public on the company website. Read about them and have clarity before investing in any share/stocks.

2) Price-Earnings Ratio: Commonly called as P/E ratio is the ratio of the price per share to the earnings of the company. P/E ratio of a company can be found by comparing the market price of the stock to the past earnings. When the P/E ratio is lower, one needs to give a thought about investing in such a company.

3) Beta: Beta represents the volatility of the particular stock. It explains the rate of movement or the price fluctuation of a share over the specific period. In general, this period would be 4-5 years. Higher Beta represents more price fluctuation resulting in higher risk and vice versa.

Besides the above, the other element that an investor needs to consider is the dividend that the company promises to pay to every investor, the chart history etc. It is essential that an investor analyze all the above elements before investing to earn a decent return.


How The Trend Of Electronic Trading Followed?


The ever-growing demand for immediacy services by the bond market investors and the market participants immense methodology of seeking ways to decrease the trading cost and elevate market liquidity, all these led to the evolution of this new way of the electronic trading scheme.

In accordance with this review, there occurred an immense growth in the respective use of such electronic trading platform schemes in the bond markets along with the advancing and emerging markets. However, the equity markets still offer a low level of electronic trading activity.

The survey of industrial trading estimates suggest that the digital mode of trading has accounted for

  • Nearly 38 percent of the dealer-to-client trading volume
  • Accounted for almost 14 percent of the cash in corporate bonds
  • And mostly 76 percent in the foreign exchange readily for the spot trading type

Challenges faced by the present platforms

  • It has been a common observation that the currently existing electronic platforms where typically used for some standard small capacity trading transactions while it can be operated for a good number of orders that forms a match on the regular basis.


Both the platform providers and the central counterparties have acquired all those instruments that were previously traded and bilaterally, risk-free too. This includes the swaps trading of futures and other related clearing derivatives CCPs scheme. Whatever so, for the existing majority of corporate bonds, the dispersed overflow would bind to work against the electronic platform use.


  • The high-volume trades conducted by the firm investors also seem to be affected potentially on prices and is less suitable for trading on these platforms and hence require a dealer intermediation for negotiating the trading blocks in the equity markets.


The property of transparency is the main requirement and may limit the willingness of financiers and other dealers to do electronic trading that may reveal their trading strategy and portfolio positions. This has further resulted in the new trading strategy exploration that may split these transactions into small units to minimize the trading operation on the electronic platform.


As already stated, the electronic platforms never disclose the participants’ identity that may create distress in supporting market liquidity during the financial stress period. But the real firm investors depend on the voice-brokered trading during the economic crisis as these dealers might accommodate the clients from whom you can expect ancillary revenues from future business and thus contributes to the market liquidity.










How Socially Responsible Is Your Corporate?

How Socially Responsible Is Your Corporate?

You may be a good entrepreneur in formulating business strategies to maximize returns and beat the competitors. Have you thought about how well governed your firm is or how socially responsible your corporate activities are? By social responsibility, the implication is not getting active in social welfare activities or non-government organizations on a full-term. It rather points to the management decisions and production processes practiced in the company without hindering the social balance. For example, a large-scale mining company is being socially irresponsible by indulging in illegal mining on preserved natural areas.


Adopting Item Response Theory (IRT) in your business

Using an IRT system of assessment in monitoring employee and employer behavior within the premises and while at work is aimed at finding the following facts:

  1. Is there a difference in opinion on business matters between any of the members? If there is, what are they and how do they affect the overall productivity and other members?
  2. Is there a change in the behavior of the members of the firm over a time-frame or between two phases? Can any specific reason be pointed out?
  3. How can the firm be compared with its counterparts and are there assessing indices effective?
  4. Is the company management considering the valid inputs received internally and externally and are they accommodative for flexibility?


Consider an illustration. Ethereum Code is an entity offering altcoin mining services to individuals and groups. If there is any legal change in coin transactions, it the company taking appropriate measures to seal adverse issues? Are the users of the software aware of changes in the platform’s settings or design or asked opinions about it? Is there any kind of miscommunication between the pool miners or is someone taking a backseat in response to ‘is it a scam’ news? The IRT model finds answers to all these questions and produces a statistical report on what are actions to be initiated for maintained the goodwill of the entity.


Depending on how many data cells are there in each assessment, the computer programme frames a matrix of binary entries and blank cells and the company scores a performance line by giving truncated or normalized values to the absent cells. The models are capable of comparing different firms and estimating their dynamic behavior over a time period.

If the company is willing to make any changes in any of the projected flaws, the same is picked up by the model and a new performance line is created.

Create A Conducive Environment In Your Company By Statistics

Create A Conducive Environment In Your Company By Statistics

Statistics may be a tough topic to crackle without deep mathematical and logical knowledge. The arrival of software tools have led to a revival in the situation and increased the reach of the statistical application to the behavioral side of the business. Business is a field of money numbers but played by human attitudes, that of the employer and the employees.


How the two-way interactive system can boost the business morale

The smart assessment pattern designed and experimented by our in-house corporate facility is capable of simplifying the tensed and nerve-gripping business environment in a firm, especially during the closing of financial years, and strenuous target-oriented projects. The work may be too demanding for all those involved that bothering about torn down morale or loss in efficiency does not come in the open picture unless the project closes and results are analyzed.

The same can be carried out in a much work-friendly environment by handing over the complete assessment scale to an IRT-enabled computer system. Five minutes of interaction from each member is enough to create a vast report that can showcase every loophole left by the work, who are the lagging legs, where did they actually lag and why, what can make up for the lag and how efficient is the assessment.

It is quite possible that the lag is actually due to the inability of the supervisor to manage the workers and not because of the inefficiency of the workers. No one can be accused or blamed or and no one can keep grudges over anyone.

A pool mining activity is rightly supported by the Ethereum Code and if one miner fails, it disrupts the entire chain, but the software focuses on finding a valid reason and to work on it instead of allowing reviews like ‘is it a scam-we show you’ to blow out the pipe. The platform is interactive in an intelligent way to accommodate for such incidents. Then why should big on-site firms like us lag behind in becoming smart?

The prototype models are out in the high-end market now and can be made available in other segments on request. Contact us to get the model now and run a free trial for one month. We will expect you with the results and are confident that they will not disappoint both of us. For further descriptions, brochures, design details, and demos, please contact our relationship manager or visit our facility.

The Psychometric Benefits Of Item Response Function

The Psychometric Benefits Of Item Response Function

The new generation statistical model of Item Response Function (IRT) has revolutionized the way exams are conducted. Earlier, competitive exams were conducted once in a year after turbulent preparatory announcements and background work. After the exams, the test-takers had to wait for months to finally get a rank list and then the wait continues to the interview call. Ever since the ITR has overtaken the job of conducting and assessing exams, a GRE or GMAT exam is not giving as many nightmares as before. This is just one side of the multifaceted model.

Meet the other faces of IRT

The psychometric importance of the model has led to many innovations in dealing with behavioral science studies. The results of these studies can be put to use in several areas.

  • The results of exams and entrance exams that focus on the attitude and preference of the test-takers also offer the applicants the advantage of reviewing themselves on how well they have fared in comparison to others and how foolproof the exam they have conducted is.
  • Applying behavioral results, a high level of transparency to these tests and that is one of the reasons why cracking them is seen as a prestigious achievement.
  • The same model can be adopted for routine assessment of students in educational and research institutions. Since it is a kind of two-way system and education is no longer about getting high quantitative scores, the tool provides a two-way interactive system in which the students can assess themselves and also understand how they are assessed.
  • The test patterns can analyze the previous questions and according to the difference in the approach of each test-taker, scale-up or scale-down in the level of complexity, construction, and topic choice can be made for further sessions. When exam banks over a period of years can be compared, it can bring out the transformations achieved by intellectual efforts and how monumental the exams have been or can be.
  • For software platforms using interactive social environment like the Ethereum Code, IRT can improve the integration of the mining or trading groups and also keep a continuous modification track of the software. Voices asking for ‘is it a scam’ clearance get shut automatically with such intelligent algorithms.
  • Coming to business, employers depend on performance assessment of their employees for all good and bad business decisions and employees depend on the same assessment for their livelihood and professional satisfaction. ITR is the ideal way of meeting both the demands and even combining both for the human business to reach new heights.

Are you a New Bitcoin Investor? Ensure to Read These Guidelines

There has been no dearth of investment ideas for individuals all across the globe. From floating their money in the real estate to buying some substantial stocks, we all have been active ever since to make more money without being a part of any kind of menace. These fruitful ideas have made people more knowledgeable and interested in trying out new ventures also so that they get to cherish the benefits of them and share the experiences with their close ones. One such undertaking that has been doing extraordinarily well in the finance market for a couple of years is that of Bitcoin.

Investors are fearlessly investing in online signal trading software such as Bitcoin Code and are enjoying all the advantages it could offer them on their invested capital. They no more worry about the rumors and myths like is the Bitcoin Code legit and are freely being a part of their schemes like a truly wise and experienced businessman.

However, there might be some individuals who do not have any knowledge of this favorable industry at all. Well, if you are one of them and wish to try your luck in this business, then go through our 5-step guide to brace up and give tough competition to those investors who have been in this industry for years.

Steps to follow for safe investments in bitcoins:

  • The primary thing to consider not only while investing in bitcoins but in all kinds of schemes is to have your research and homework done appropriately. If you miss out on your knowledge about the current trends and deals, you might end up cracking a negative deal.


  • Make sure you consider all the pros and cons of this investment and stay prepared for all kinds of situations. Check your financial backup and do not invest more than your affording capacity. This will gradually backfire.


  • Never make the mistake of investing your entire capital in one single scheme. Distribute your money adequately and finance your business in a way so that your entire money doesn’t get flushed in case the scheme doesn’t work.


  • Instead of placing your bitcoins in exchanges, it is advised to store them in the In case of hacking, at least your bitcoins will be unaffected and so would be your investment.


  • You have to be prepared for unexpected fluctuations in the bitcoin prices. Avoid making short-term bets and keep the bitcoins for long so that there is no major harm to your investment when the market drops temporarily.

Adopt this form of online investment only after gaining complete knowledge of its workflow and step on the path to success for a profitable experience.