A Tale Of Home Improvement

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A Tale Of Home Improvement

Once upon time, in a quiet village, stood a small bungalow, which suffered from neglect because its owners didn’t have any money to maintain it properly. A sign "for sale" had been standing in the front garden for a very long time, but nobody was interested since the bungalow was of very modern design, which was a sharp contrast to the rest of the historic village. Day after day the wood rotted away and nature slowly took over the garden, until only a complete make-over could help the bungalow to survive…

Posted by Flitshans on 2013-05-04 19:39:12

Tagged: , Home Improvement , bungalow

Impact Of Technology In Banking

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In the world of banking and finance nothing stands still. The biggest change of all is in the, scope of the business of banking. Banking in its traditional from is concerned with the acceptance of deposits from the customers, the lending of surplus of deposited money to suitable customers who wish to borrow and transfer of funds. Apart from traditional business, banks now a days provide a wide range of services to satisfy the financial and non financial needs of all types of customers from the smallest account holder to the largest company and in some cases of non customers. The range of services offered differences from bank to bank depending primarily on the type and size of the bank.

RESERVE BANK'S EARLY INITIATIVES
As a central bank in a developing country, the Reserve Bank of India (RBI) has adopted development of the banking and financial market as one of its prime objectives. "Institutional development" was the hallmark of this approach from 1950s to 1970s. In the 1980s, the Reserve Bank focused on "improvements in the productivity" of the banking sector. Being convinced that technology is the key for improving productivity, the Reserve Bank took several initiatives to popularize usage of technology by banks in India.

Periodically, almost once in five years since the early 1980s, the Reserve Bank appointed committees and working groups to decide on and recommend the appropriate use of technology by banks to give the circumstances and the need. These committees are as follows:
-Rangarajan committee -1 in early 1980s.
-Rangarajan committee -11 in late 1980s.
-Saraf working group in early 1990s.
-Vasudevan working group in late 1990s.
-Barman working group in early 2000s.

Based on the recommendations of these committees and working groups, the Reserve Bank issued viable guidelines for the banks. In the 1980s, usage of technology for the back office operations of the banks predominated the scene. It was in the form of accounting of transactions and collection of MIS. In the inter-bank payment systems, it was in the form of clearing and settlement using the MICR technology.

Two momentous decisions of the Reserve Bank in the 1990s changed the scenario for ever there are:
a) The prescription of compulsory usage of technology in full measure by the new private sector banks as a precondition of the license and
b) The establishment of an exclusive research institute for banking technology institute for development and research in Banking Technology.

As the new private sector banks came on the scene as technology-savvy banks and offered several innovative products at the front office for the customers based on technology, the demonstration effect addressed on the reset of the banks. Multi channel offers like machine based (ATMs and pc-banking), card based (credit / debit / Smart cards), Communication based (Tele-Banking and Internet Banking) ushered in Anytime and Anywhere Banking by the banks in India. The IDRBT has been instrumental in establishing a safe and secure state of the art communication backbone in the of the Indian Financial … Read More

Bathroom Renovation 3.0 | Boarding, Plastering and New Sash Window

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Things moving along now. Bit of a mad dash to get prepped ready to leave ready for the plasterer but just about managed. We have fitted 12mm HardieBacker at …

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kelowna-custom-home-builder

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kelowna-custom-home-builder

www.willowood.ca/
Willowood Builders Ltd.
2220 Helgason Drive, West Kelowna, BC V4T 2W9
(250) 215-7500

kelowna custom home builder

Posted by bdmarketing on 2011-03-14 22:55:47

Tagged: , kelowna custom home builder … Read More

Plan Your Home Improvements

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When we purchase our homes and visualize our beloveds in the space, it looks there is a place for everything and more space than we had before. After we move in, we find there are a few things that can be improved.

Almost everyone has had at least one home improvement project since they moved into their home or apartment. Home improvement is a worthwhile venture that has a number of advantages.

Most people undertake a project for one of two reasons. The main one is to add new elements that improve the physical aspect of the dwelling. This benefits the whole family. The second reason is to increase the value of the home to make it more saleable, increasing the profit that can be realized.

A home improvement project generally arises from a need such as an additional bathroom. This type of project adds value to the home. Other improvements center on family needs such as adding a deck or patio. You may see an increase in value for these types of additions, but mainly it will provide a better lifestyle for your family. If your home is more than ten years old, an improvement project may be an upgrade to electrical systems or upgrading the kitchen and its appliances.

Before you tackle any improvement project, you should plan it. These projects require time and money. Careful planning helps you to make sure that both of your resources, time and money, are used wisely to achieve the desired results.

It is important to take into consideration every aspect of the project. Do not begin a project without determining the advantages and disadvantages involved. If you do not, you will waste time, energy, and money.

There are a number of resources you can utilize when you decide to undertake a project. The Internet has many websites devoted to home improvement. In your local area, you are probably familiar with hardware stores as well as the major home stores. Home Depot, Lowe's, and Sears can be found in most cities across the country.

Another good resource is the home improvement shows on television. Cable networks such as HGTV, DIY, and Fine Living have shows that run almost 24 hours a day. These shows provide a way to visually see changes that you may be contemplating for your home

Major home improvement projects such as redesigning kitchens and bathrooms and additions are not completely stress-free. However, you can keep your costs down with planning. … Read More