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In order to increase the avenues for investment abroad, Indian mutual funds were allowed to invest in rated securities in countries with fully convertible currencies, within the existing limits. Earlier such investment was only permitted in ADRs/GDRs issued by Indian companies in overseas markets.

A road map for developing Separate Trading for Registered Interest and Principal of Securities (STRIPS) has been prepared. The Reserve Bank is actively pursuing the creation and development of the STRIPS market which, in addition to providing more flexibility in managing interest rate risk, would help in addressing the asset-liability mismatch problem of banks/institutions.

Banks with typically short maturity funding can hold short duration STRIPS (i.e., coupon STRIPS) while the longer duration STRIPS can be held by insurance companies and pension funds, etc. To facilitate the market for STRIPS (which are essentially zero coupon bonds (ZCBs), the tax anomaly that existed in respect of ZCBs has been removed by Central Board of Direct Taxes (CBDT) in a notification issued in February 2002. Accordingly, ZCBs are now to be taxed on a total return basis by treating the marked-to-market gains to the holder during the assessment year as taxable.

Issues of Foreign Currency Convertible Bond were allowed under the automatic route up to US $ 50 million. The Indian companies were permitted to raise the 24 per cent limit on Foreign Institutional Investors investment to the sectoral cap/statutory ceiling as applicable. As announced by the Finance Minister in his Budget speech for 2002- 03, FIIs’ portfolio investments will hence forth not be subject to sectoral limits for foreign direct investment except in specified sectors.

After accumulation or distribution takes place, a stock moves into new territory, either high or low, showing that the stock has been absorbed or distributed and that a new move is starting. The big profits are made in the runs between accumulation and distribution. Therefore, you make more money by waiting until a stock plainly declares its trend than by getting in before it starts. It is just like a race. It often takes fifteen or twenty minutes to get the horses away from the post, but once “they’re off” the race is over in two minutes. It is the getting ready that takes the time, the run is soon made, once the firing line is crossed. What difference does it make whether you buy a stock 10, 20 or 30 points above the bottom so long as you make profits? The same with selling short. It makes no difference how much the price is down from the top. Wen it breaks out of the distributing zone, it is a safe short sale and you will make quick profits. Get the idea of prices out of your head. Forget about the bottoms and tops; trade to make profits, not to try and catch the bottom or top eighth. The insiders do not do it, and you can not hope to do better than the man who makes the market.

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During Roman times, the settlement was thought to have been blessed by the gods due to its fertility, favourable climate and proximity to precious mineral deposits. This led the Moors to later name the town Alhaurin, literally meaning the Garden of Allah.

The town has undergone many tribulations, including an earthquake in 1680, various plagues, and numerous invasions and occupations by the French, Romans, Moors and others. Today, it’s a prosperous town with a population of 27,000, of which roughly 2,000 are foreigners.

Why buy there?

Only a short drive from Malaga’s famous beaches, and close to the Sierra Nevada ski resorts, Alhaurin el Grande is perfectly situated for those seeking a traditional area untouched by tourism, yet close to all the attractions and amenities of the Costa del Sol. It’s close to Malaga’s major cities, being just south of Coin and north of Mijas, and it’s only 15 kilometres from Malaga airport. It lies in an area of outstanding natural beauty, with a number of lakes and waterfalls in Barranco Blanco, while to the southeast are extensive forests, pock marked with Neolithic remains.

Alhaurin el Grande enjoys an average annual temperature of 17 degrees Celsius, and is a pretty town with whitewashed houses and colourful shutters. There are a number of attractions, including the 12th century Moorish Archway, the old Arabic fort and the Plaza del Ayuntamiento, with its Roman columns and town church. The Churches of La Ermita de San Sebastian and El Convento y las Agonias are also well worth visiting.

The town is famed for its many traditional celebrations, including the Feria de Mayo and El Dia de la Cruz in May, Dia de Jesus in June, and the Dia de la Virgin in August. In addition, the Easter week celebrations attract tourists from across Europe. Improvements are currently being made to the areas infrastructure. However, there are already two golf courses nearby, while the surrounding countryside offers plenty of hiking, cycling and climbing opportunities.

Where to buy

Within Alhaurin el Grande, there are a number of properties to choose from, in fact, one estate agent alone has over 400 properties on his books. For 165,000 Euros, you can find a four bedroom townhouse, while out of town, a semi detached finca can be yours for as little as 184,000 Euros. At the other end of the scale, if your budget allows, you can choose to purchase an exclusive villa, with a swimming pool and 25,000 square metres of land, for 435,000 Euros. Alternatively, 250,000 Euros will get you a two bedroom villa located in one of the town’s urbanisations.

There are also a number of bargains to be had in the surrounding areas. Northwest of Alhaurin is Coin, which has a foreign population of over 1,700. This is a busy commercial town with a number of attractions, including the famous shrine of Nuestra Senora de Fuensanta.

Popular with English buyers, there are many traditional properties for sale, with more modern developments also springing up around the town. Prices start at 58,000 Euros for a plot of land, while a three bedroom apartment can be found for 89,000 Euros. A renovated townhouse costs around 230,000 Euros.

Recently, there has been a boom in developments in Alhaurin de la Torre, which is situated to the east of its namesake, Alhaurin el Grande. With citrus groves and avocado orchards providing a stunning backdrop to the residential areas, around 1,700 foreigners live here, and you can buy a townhouse requiring renovation for around 148,000 Euros.

The small town of Alora, 40 kilometres north of Malaga, is a typical pueblo blanco (whitewashed village). With 1500 foreign residents, this tiny village is set on a hilltop, boasting spectacular views and traditional values.

There are a number of plots of land for sale, all with stunning valley views, and a plot of 3,000 square metres costs as little as 50,000 Euros. A country house can be yours for a mere 70,000 Euros, while a three bedroom village house sells for an average of 300,000 Euros.

The property market

Over the last few years, inland Spain has seen demand for property rise steeply, fuelled by foreign buyers. Some areas have seen appreciation reaching 35 per cent per annum as investors attempt to find a more authentic, rural lifestyle. These high rates of appreciation, coupled with affordable property, make the area an excellent investment.

The increased number of budget flights to the area has also helped to fuel this demand, as has recent investment in infrastructure. Improvements include the arrival of the bullet train, which now travels from Madrid to the city of Bobadilla, and the opening of an international airport in Antequera. Consequently, areas within commuting distance from Malaga, such as Alhaurin and the Guadalhorce Lakes, have seen a huge rise in popularity. Of course, with over 2.6 million foreign residents in Andalucia, it’s also not surprising that many buyers have been forced inland.

There are many nationalities purchasing property in Alhaurin, and demand from foreign buyers is high, especially within urbanisations such as the Alhaurin Golf and Country Club development. With strict building regulations in place, fincas to renovate and traditional whitewashed townhouses and extremely popular, and this has caused prices to increase significantly in recent years. Nevertheless, property in this area remains significantly cheaper than on the coast.

Prices have been going up by between 17 and 20 per cent annually, yet compared with the coastal resorts, the cost of a property is a staggering 30 per cent lower inland.

For example, a two bedroom apartment in Marbella will set you back by an average
of 378,936 Euros, while in Alhaurin, you can buy a similar property for 153,000 Euros.

Typical properties

There’s a healthy mix of the old and new in Alhaurin. Property in the area includes newly built apartments in the centre of town, while there are a number of villas available in the urbanisations on Alhaurin’s outskirts. Look outside of Alhaurin’s boundaries and there’s a plethora of cortijos and fincas to be found in the surrounding countryside.

Most buyers are looking to purchase a traditional country home, complete with two acres of land and some fruit trees. Wherever you buy, given the geographical situation of Alhaurin, property is virtually guaranteed stunning views of the surrounding mountains and valley.

Lettings

Inland Spain is a popular holiday destination, especially inland Malaga. It’s important to recognise that the lettings market inland is different to the coast, though. Long term lets are more infrequent and the short term rentals market is limited by the longer winter season. However, with a significant increase in the number of eco tourists, 7.2 per cent in the Andalucia area alone, inland regions, with their numerous activities, have reaped the benefits.

The income you can generate varies drastically, but a three bedroom country house can provide between 1,200 Euros to 1,500 Euros a month, while a townhouse can earn you up to 800 Euros a month.

If you live in the Guadalhorce valley, you’ll find that you’re never more than 25 minutes from the coast, which makes this area hugely popular among tourists. Consequently, it can be very profitable in terms of rental income As well as offering a healthy short term market, there’s also a strong long term rentals market, as many potential buyers arrive in Alhaurin with the intention of renting for between six months to a year before they buy. However, most owners will only allow long term rental contracts over the winter period to avoid eating into the more lucrative summer months.

Living there

An area of outstanding natural beauty, life is lived in a traditional Spanish vein in the Alhaurin area, with centuries of culture and tradition evident. In fact, values reflect those seen 30 years ago in the UK. Even though the town of Alhaurin has become very cosmopolitan, and there are a large number of foreign residents living there, life maintains a Spanish feel. This is enriched by the local cuisine, such as migas (breadcrumbs fried with garlic) and gachas cachorrenas (porridge with spices).

The local population refer to Alhaurin as ‘inland Marbella’ due to its thriving economy and beauty, and the local government is currently undertaking a project to develop the town, with plans for many new facilities. It already boasts a great selection of bars, clubs and restaurants, which makes the area great as a family holiday or rental destination.

Fans of outdoor activities will find that there are many leisure activities to pursue, while the beach is only 15 kilometres away. There are local and international schools in the region and both private and state healthcare are available.

Despite there being a cosmopolitan mix of nationalities, it’s still important to learn the language and make a real effort to integrate yourself into the local community. That way, you can make the most of living in a traditional and welcoming environment.

John and Lynda Laver decided to leave their Bedfordshire home for warmer climes and a more relaxed way of life. Both had stressful jobs in the UK but neither of them felt ready for early retirement they just wanted to work fewer hours and spend more time together, and with their family. They settled on Spain, but from there it was important to ensure the area they chose was accessible, as they had a daughter with young children who needed to be able to reach them easily. John and Lynda had visited the Costa del Sol many times but didn’t want to live in the busy coastal area, instead seeking a location that offered a more Spanish lifestyle.

“A friend recommended that we look inland from Malaga Airport, and suggested towns such as Alhaurin el Grande, Coin and Monda. What we found was the Guadalhorce Valley, an area largely untouched by tourism, with stunning villages and countryside,” says Lynda. They knew it was exactly what they were looking for, and had soon purchased a brand new, four bedroom house in the countryside surrounding Alhaurin el Grande.

It came complete with an acre of land, fruit trees and a working well. John enthuses: “We’ve spent many hours working on the landscaping and have now created a beautiful home where many of our family friends have spent happy holidays with us.”

Since moving to the area, both have found work, with John servicing swimming pools and offering his services as a maintenance man, while Lynda organises the rental of their second property in the Alhaurin Golf and Country Club. “The daily cost of living in Spain is a fraction of that in the UK,” says John, “so we can now afford to spend more time doing the things we want to do, like spending our lunch times enjoying a three course meal in the local taverna!”

Martin Dell is Managing Director of Kyero Media S.L. – publisher of the largest English-language property portal in Spain, http://www.kyero.com

To resist market slowdown…

Hyderabad’s real estate market is in a slowdown phase. Short term real estate speculators and traders are almost entirely out of the scenario and it is only the serious end user who is driving the market.

In order to attract serious end users towards buying houses, real estate developers are going all out by launching special incentives or piggy back riding on some festival to woo the buyer. One of the first groups to launch an incentive in the city and brand the scheme is Manjeera Group, a Hyderabad-based real estate developer. In fact, they have been the pioneers in branding this scheme under the name “Anmol”.

The Anmol scheme was launched in Manjeera’s Diamond Towers project. According to the company spokesperson, they had noticed that in many cases the property buyers, especially the working class, find it difficult to pay the Pre EMI, which is paid before the flat is delivered to them as they will be still paying the rentals for their existing flat. With this unique offer, one gets to pay no Pre-EMI till one gets possession of the apartment. Buyers have to only pay the margin money and no Pre-EMI till they get possession of the property and the Pre-EMI is borne by Manjeera.

The question to be asked now is by how much have the sales gone up after launching this scheme. The company spokesperson informs that “the sales have been accelerated by 15 per cent at the moment and we have not yet publicized this scheme much, with proper publicity it has potential to accelerate up to 50 per cent.

On the question of what exactly are the benefits a property developer gets out of this scheme, the spokesperson said that “any novel scheme wherein the packaging and the features of the scheme are beneficial to the customer will have acceptability and will boost the sales and any developer is benefited by early sale and the resources of the real estate developer can be used for a new project.”

The group adds that the current scenario is one where the growth rate of property values has slowed down but not the absolute prices. Real estate developers have to keep coming with USP for the project.

For more details on Hyderabad Properties, log on to magicbricks.com

George Gonigal provides you the best and latest information on Hyderabad Real Estate Developers, if you want to Buy Apartments in Hyderabad. He suggests you log on to magicbricks.com

Did you know that approximately 25 to 50 percent of cats in the United States are overweight, and another 5 to 15 percent are obese? Depending on the gender, body type and breed, the average cat should weigh between 9 and 12 pounds (4.1 – 5.4 kg). Cats are considered overweight when they are 10 percent over their ideal body weight, and they are considered obese when they are 20 percent over their ideal weight.

Obesity in cats is a big problem because most people over feed them, which leads to weight gain. Cats are small animals and most only need between 1/4 cup (113 g) and 1/2 cup (227 g) of food twice a day. A cat’s stomach is about the size of a 50 cent piece before it expands. Obesity can lead to health problems including feline diabetes, heart disease, arthritis and joint pain.

To determine if your cat is overweight, run your hands along his ribs. You should be able to feel his ribs but not see them. If you feel a thick layer of fat, your cat is overweight and should be put on a diet.

If you have an obese cat, you can help him to lose weight naturally. One way is to reduce the portion sizes of the food that you are feeding. Do not starve your cat or stop regular feedings, simply reduce the amounts of food that he gets per serving. A veterinarian can recommend a good quality diet or weight maintaining food.

Another way to help your cat to lose weight is to increase the amount of exercise that he gets every day. Schedule small blocks of time (five to ten minutes) each day to play with him. It can be a simple game of chasing a string, running after a ping pong ball, or batting a crumpled piece of paper around the house.

Start with short exercise sessions and gradually build on them as your cat’s endurance increases. If he likes walking on a leash, take him for a short walk (up and down the driveway) once or twice a day to get him active. Remember, the more your cat moves, the more calories he will burn.

The amount you should feed your cat depends on his size, weight, age, and activity level.

To learn more about how to cure cat with obesity and the different types of pet meds for your dogs, cats, horse, etc., and how to get discount and cheap pet medications, make sure to visit http://www.callpetmeds.com where you will find everything on getting quality yet affordable pet medications as well as tips on how to take care of your pets like the experts.

BRITISH people have learned the lessons of summer safety. New research from a leading UK firm shows that Brits are taking care to avoid potential accidents when driving, holding a barbecue or playing on the beach.

The evidence, says National Accident Helpline, shows the true nature of Britain’s culture.

National Accident Helpline legal director John Campbell said that most Britons realised that they couldn’t and shouldn’t make spurious compensation claims.

The findings stand in sharp contrast to some of the crazier claims heard in America – where for example Roy L Pearson Jr filed asked for $67m in compensation from a dry cleaner he claimed lost his trousers.

He later reduced his demand to $54m – but was accused of ‘frivolous litigation’.

Mr Campbell said: “If Mr Pearson had called National Accident Helpline, we could have advised him at no cost to the taxpayer that his accident claim did not stand a chance.

“Many of the myths of ‘compensation culture’ come from this kind of story crossing the Atlantic and finding their way into British folklore.

“Like everyone else, we have a laugh at the sheer absurdity of some of the claims – but we don’t feel this should put people genuinely hurt in an accident that was not their fault from receiving appropriate compensation.

“Most Britons, as our research shows, are careful and sensible with what they do – and they deserve their employers, government and private firms to take the same care.”

National Accident Helpline asked more than 100 people their attitudes to activities traditionally associated with risky behaviour.

But they found that in summer 2008, 89 per cent of people decided against using lighter fluid or petrol to light their barbecue.

Around 99 per cent stopped swimming at the beach if they had anything to drink at all – while 96 per cent of people would change out of their flip flops and into sensible shoes before getting behind the wheel of a car to make sure they didn’t risk an accident.

Five stupid compensation claims…..only in America

1. Roy L Pearson Jr – in 2007 Pearson Jr filed for $67m compensation after claiming a dry cleaner lost his trousers.

2. In 2006, Allen Ray Heckard, then 51, filed for compensation on the basis that he had been told he looked a lot like basketball star Michael Jordan, which he claimed was distressing. His demands? A mere $52 million “for defamation and permanent injury” $364 million in “punitive damage for emotional pain and suffering”, plus the SAME amount from Nike co-founder Phil Knight, equalling a grand total of $832 million. He dropped the case after discussions with Nike’s lawyers.

3. The same year, a woman called Marcy Meckler tried to sue a shopping centre for $50,000 after she was ‘attacked’ in its grounds by a squirrel. She claimed that the owners of the shopping centre should have warned her that squirrels live outside.

4. Christopher Roller filed a claim for 10 per cent of the earnings of magicians David Blaine and David Copperfield unless they reveal their secrets to him. He thought that would add up to around $52m. He claimed the magicians stole his ‘Godly powers’ for themselves.

5. In 2005 Rhonda Nicholls said that a ‘wild bird’ attacked her as she walked outside a Home Depot store. She demanded ‘at least’ $100,000 from the store. The court threw out her claim.

The National Accident Helpline are specialists in no win no fee. Helping victims of accidents make accident claims, and getting them the maximum reward following their compensation claims.

Bowel cancer may also be called rectal, colorectal or colon cancer. However, once the cancer has spread beyond the wall of the bowel, it becomes harder to treat. The bowel cancer statistics on these pages are designed for use by health professionals. If you are looking for information because you or someone you know has been affected by bowel cancer, then the Cancer Help UK pages on bowel cancer may be more useful and relevant. Cancer Help UK also includes a straightforward guide to understanding statistics.

The large bowel, also called the colon, is the last section of your digestive system. Food passes through your small bowel (the longer, thinner part of your bowel) where nutrients are absorbed. Food waste then travels through your colon (large bowel) where it becomes more solid faces. Your colon has three sections – the ascending, transverse and descending colon. The rectum, at the end of your colon, is where faces collect before passing through your anus as a bowel movement.

The cancer develops when one of the cells in the colon develops a series of changes (mutations) in some of the genes that control how the cell divides and survives. As a result, the cell divides uncontrollably to form a clump of malignant (cancerous) cells. Initially, these cell changes commonly produce a polyp (a clump of abnormal cells the size of a pea on the end of a stalk of normal cells) called an adenoma.

The bowel is the long ‘tube’ that absorbs water and nutrients from food and processes waste products into faces. It includes the small bowel, colon and rectum. Bowel cancer is diagnosed in more than 3,400 Victorians and over 12,500 Australians every year. It mostly affects people over 50 years of age but it can happen in younger people. Cancer of the bowel is also known as colorectal cancer.

Bowel cancer is caused by the abnormal and uncontrolled growth of cells in the lining of the bowel. Usually, large bowel cancers develop from small, non-cancerous (benign) growths of tissue called polyps that can extend from the lining of the bowel wall. Sometimes these can become cancerous (malignant). If the cancer is left untreated, it can grow through the wall of your bowel and spread to other parts of your body.

Once food has been swallowed, it passes down the gullet (oesophagus) to the stomach, where digestion begins. It then passes through the small bowel, where essential nutrients are taken into the body. The digested food then moves into the large bowel, and water is absorbed by the colon. The colon starts at the bottom, right-hand side of the abdomen. The first part goes up and is known as the ascending colon. It then goes across to the left side of the abdomen. This part is called the transverse colon. It then goes down to the bottom of the abdomen: this part is called the descending colon, and ends in the sigmoid colon, rectum and anus.

Although the exact cause of bowel cancer isn’t understood, it’s known genetics can play a part. Specific genetic mutations can cause bowel cancer or inherited diseases known to predispose to the condition. For example, familial adenomatous polyposis (FAP) accounts for about one per cent of all cancers of the colon and rectum. It causes widespread development of polyps throughout the bowel from the teenage years onwards, many of which rapidly become cancerous.

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