close

Hazel Calvin

News

What glitches should a robust forensic watermarking solution address?

The video streaming market faces the continuous challenge of warding off sophisticated piracy attempts on streams of premium video content. OTT platforms and major Hollywood studios prefer to combine a multi-DRM approach with forensic watermarking solutions to authenticate users and trace piracy.

However, OTT platforms are global companies that have to manage their IT infrastructure across the globe, which puts pressure on the anti-piracy measures and lead to many glitches. In the case of video watermarking techniques, the content delivery platform can take the following precautions to ensure that the system stays robust against global attacks as well as offers smooth delivery to the user across geographies:

  • Optimize metadata files: A content delivery platform should ensure that its storage and bandwidth footprint stays low. For effective forensic watermarking, the platform should keep the metadata at the edge server, which writes unique data after ascertaining the user to which a particular video file will be delivered. The metadata approach is lighter on resources than duplicating the whole asset and saves bandwidth both at the server and the client’s end.
  • Cache optimization: Delivery platforms should consider shifting to bitstream-based watermarking technology rather than choosing the A/B variant option. If a single variant of the video asset is processed by the CDN, its cache can be optimized with a longer life, thus increasing the delivery speed.
  • Faster embedding process: Delivery platforms should optimize the watermark embedding process, as speed is of critical importance in the streaming space. No user likes to wait endlessly for the video asset to buffer after making a query. The delivery platform should choose the adaptive bitrate segmentation for faster watermark insertion and opt for a vendor that inserts watermarks in single chunks.
  • Network security: The delivery platform should ensure that all critical operations of watermark embedding in DRM protect content take place on the server rather than on the client device, since it is more difficult to attack a server than the client device.

These precautions can not only ensure a faster watermark embedding process, it also spruces up the security of the asset in combination with multi-DRM application.

read more
Investment

The best place to sell a diamond ring

The diamond ring is a precious gift associated with wealth and luxury. They are expensive jewelry that is commonly used as a sign of engagement. They come in different styles like for instance: the halo style and the solitaire. Finding a place to sell a diamond ring can be difficult and also emotionally challenging. Various reasons can make one sell their diamond ring. Some of the issues include divorce issues or even debt. The best place to sell diamond rings is online.

The following tips will help you find the best diamond buyer online

  1. Be keen to ensure the buyer’s policy entails the estimated price. You can compare the buyers to find the best one for you. Many companies offer exaggerated estimates for marketing only.
  2. Search for the companies with incredible ratings. Get to know the reviews when choosing of selling the diamond ring to them.
  3. Confirm if the company is certified and uses the necessary equipment certified by your country or state.
  4. Know the key determining factors of your diamond ring. These factors include the 4 cs, namely cut, clarity, carat, and color. Cut refers to the shape of the diamond ring. The cut from the original gemstone will determine how light reflects from the ring. The cut is normally graded from excellent t poor. Clarity will be determined using a 10x magnifying lens. Clarity will be graded from I to IF. I am in the poorest grade while IF is the best grade. Carat will be determined by measuring both the height and the weight of the diamond ring. Diamonds ring can range from colorless to heavy color. The colorless ones are the most expensive as compared to the heavily colored ones. You can easily confirm the color of your diamond ring by holding it against a white piece of paper.

The best way to confirm if you are getting the best price for your diamond ring is to be knowledgeable about the value of your ring before selling it. Have a research about your diamond ring and have an idea about how much it is worth. Once you set the realistic price, you will be able to sell the diamond ring with a lot of confidence.

Advantages of selling a diamond ring online

1.     Cost-saving

You can easily sell the diamond ring from the comfort of your home without incurring unnecessary travel expenses. You do not need to go to the jewelry stores or pawn stores to get an estimate. All you need to do is to ship the diamond ring and wait for any offers to come.

2.     Easy comparisons

You can compare different online potential buyers using your web browser. You do not go to the jewelry stores to make the comparison.  This will make you make as many comparisons as possible.

3.     Up-to-date pricing

The online option provides easy access to updated diamond pricing information. This makes it possible to undertake any necessary adjustments. You can decide to increase the price based on the update on pricing.

Final words

In conclusion, the best place to sell diamond rings is online. The above article clearly illustrates the advantages and some tips to adopt when selling online. Selling via the online option is safe as compared to selling to jewelry stores.

read more
Finance

Tips to consider when selling silver articles

Silver is one of the valuable gemstones across the globe. It is a symbol of both luxury and wealth to most people. Silver is commonly used to make jewelry and other ornaments. You can easily sell any of your jewelry or any other article made of silver. The ornaments can include coins, watches, anklets, utensils, bracelets, necklaces, and even bangles. You can make cash by selling silver items. Many people tend to ask this question. How can I get silver buyers near me? It is quite challenging but there are potential silvers buyers near you. There are several tips to help you get the best silver buyer.

Here is an overview of some of the tips to consider when selling a silver article

1.     The reputation of the silver buyer

Get to know the reputation of the purchasing company or an individual. The silver buyer should have a good reputation in the market. You can easily check the reputation by reading any reviews from previous sellers concerning that buyer.  Always go for the positively reviewed silver buyer in the market. A negatively reviewed will end up paying less than the required amount. Choose the buyers you can completely trust they will meet the requirements.

2. Price

You need to evaluate the price offered by the buyer. They can base the price based on the carat, color, cut, and clarity of the silver item. Estimate if the set price is worthy of your silver article. Use the price list to determine which buyer can provide the best value for your silver products. The current market price can also help you set a realistic price. This will give you a better idea of its value and worth in the market.

3. The patterns and designs of your silver article

The patterns and design of your silver article will help you determine the value of your silver article. Different styles and shapes have a different values. If the article has unique patterns and designs, you can set it at a higher price hence making huge cash. This is because many buyers want to buy articles with unique designs and styles.

4. Purity of the silver article

The purity of the silver article will help determine the value. If the article has no nay imperfection, it will have a high value as compared to the article with a low value.  Some imperfections may include dark spots, cloudiness, and even gas bubbles. You need to test for purity before setting out your desired price. Buyers will be willing to buy silver articles with imperfections at low prices.

Final words

In conclusion, there are wide varieties of factors to consider before selling a silver article. The above article outlines some of the factors to consider. You can easily turn your old silver articles into cash once you follow the above tips. Silver articles can be sold online, in jewelry stores, or even in pawn shops. Online selling is cost-effective because you will not have to travel to make the sales. You can easily get any updates regarding price changes. Adjusting the price will make you generate more revenue from the silver articles.

read more
Finance

Should we consider NFA as superior to NFTs?

The topic of NFTs has been gaining popularity in recent months, mostly because of celebrities’ engagement in them. It has been a recurring topic in the space of crypto, as some investors decided to put huge amounts into some tokens. The case of the $69 million purchase of a digital art piece by Beeple has been the prime example of the scale of some NFTs.

When popular influencers, Logan Paul, for instance, started to speak more and more about their NFTs, the wider publicity got suddenly interested in the topic. So, for all of those, who are not yet familiar with the concept, let us explain it briefly. Basically, the tokens are something unique that could not be duplicated or replaced, and therefore granting the owner the full ownership of the said file. This could be anything, from the mentioned art piece to some abstract concepts, or even the video of LeBron James dunking (this particular one got sold for $208,000).

How was the concept of NFTs greeted?

There were two distinct reactions among the public to the NFTs. On one hand there was an important question about the main purpose of it, as it could seem abstract to pay such sums for something that could be literally watched online. Others believe that NFTs are an important step towards the new digital era, as they allow implementing the new basics of digital private property. NFTs show us (on a smaller scale), how the proofs of ownership should be handled.

Nick Ayton, who founded and is the CEO of Chainstarter Ventures, has been trying to answer the question whether NFTs are anything other than Emperor’s new clothes. As he has a huge experience in AI (Artificial intelligence), as well as quantum computing, his expertise became really valuable when it came to assessing the vulnerabilities of NFTs, and the possible trouble with third-party involvements. Finally, he stressed how NFAs (non-fungible assets) should replace NFTs (non-fungible tokens).

There is still a lot to be found out about NFTs

The transactions are still something new, and there is a high risk that a lot of people engaged in it do not really understand the risks that it brings. Of course, currently there is a big hype around the tokens, but we can never know how the prices will behave, once the dust will have already settled down. There is also a popular misconception about the non-fungibility notion, as the tokens are not digital assets. Rather than that, NFTs should be considered as digital certifications, an online ownership verification tool.

Nick Ayton argues that tokens are a proxy. They really do not hold any value, and do not represent it. In general, NTF is a simple mean of exchange, and when you are purchasing one, you are buying just the token. The fundamental issue with it is that the transaction is not peer to peer. In fact, it’s separated with a different one, being done between an individual and miner. To put it in short – you’re not buying anything from another ‘user’, but rather making a transaction between your wallet and miner.

To read more about this very problematic topic, you should definitely join the Disruption Banking website, where you will find a brilliant piece by Benjamin Jenei. The author gives a really interesting and in-depth analysis of the possible dangers, and what is more important, precisely explains the nuances of how the NFTs work.

In the piece, you will also find a really compelling interview with Nick Ayton, who as an expert in the field. Through his impressive experience, he was actually able to shed some more light on some pressing issues that appear with NFTs. Ayton is currently working with Zenotta AG, the Switzerland-based company. It has an aim of establishing a sustainable electronic trading system that would be based on peer-to-peer transactions. That is where the proposal of non-fungible assets comes in. If we manage to make data intelligent and (what’s most important) unique, we’d actually be able to make it have some value. Currently, this is impossible in the token-based model. To see why, use the link and access the brilliant piece by Benjamin Jenei:

https://disruptionbanking.com/2021/08/06/is-an-nfa-better-than-an-nft/.

read more
Finance

Digital Banking Trends In 2021

The advent of COVID and the subsequent acceleration of digital transformation has caused radical changes in customer behaviour, shifted significant portions of the economy online, and increased customers’ comfort and willingness to engage digitally. The challenge now is for banks to deliver compelling, emotive digital products and services that elevate the human experience to meet the demands of this new normal.

What Is Digital Banking?

Digital banking means digitizing every aspect of banking, from front end to back end. In other words, digital banks rely on artificial intelligence to automate back-end operations, such as administration and data processing-which, in turn, reduces the pressure placed on the employees. Besides the ability to make deposits and transfers remotely, digital banks also provide customers with customized money management services and an easier way to apply for loans.

What Can We Expect?

The growing demand for digital banking services has driven numerous technological innovations within financial institutions in recent years, with artificial intelligence (AI) playing an integral part. How else will the digital banking trends of 2021 shape the banking industry?

Automation

Leading banks are placing banking automation near the top of their agenda. Banks can benefit from branch automation programs in several ways, including improved customer satisfaction and loyalty, more responsive and efficient operations, and tighter compliance and fraud detection.

Adapting to meet heightened consumer demands for more efficient ways to self-serve digitally, there has been an increase of more customers ‘setting and forgetting’ auto payments.

In addition to being able to manage their finances all in one place, customers also seem to expect banks to manage their finances for them.

Real-Time Payments

Pivotal to the advancement in the banking industry is how Real-time Payments (RTP) offer immediate availability of funds, settlement finality, instant confirmation, and integrated information flows, all in a payment made within seconds. Combining speed, data, and communication, RTP is the answer to long-standing challenges.

P2P payments are gaining traction beyond being able to instantly pay a friend or split a bill, according to a study. In addition, P2P payment solutions make spending easier to track safely and conveniently.

Personalization

In every facet of their daily lives online, consumers have come to expect and crave personalized experiences, and banking is no different. Customers view companies that provide fast, easy, and personalized connectivity as caring.

Since consumers are doing their own competitive shopping online and getting their information without ever venturing into a branch or calling customer service, banks and credit unions need to ensure they are using the right technology to accommodate the new digital paradigm.

To Conclude

Despite several uncertainties about the future, the outline for how financial services will look post-COVID-19 is beginning to emerge. In the next six to twelve months, banks have the unique opportunity to reimagine their retail banking offerings in order to build trust and loyalty among customers through frictionless and emotive digital propositions. Rather than view digital as a cost-saving tool, banks should consider how they can offer banking value through digital. It will be a challenging journey to transform business models digitally because the challenges are many. The first step is deciding where to start, and then prioritizing the actions and journeys that will yield the best results. Since digital transformation is no longer optional, there is no reason not to start sooner rather than later.

read more
Finance

ASSET ALLOCATION AND DIVERSIFICATION – ARE THEY RELATED?

You might have across the investment terms diversification and asset allocation quite often. These are essential concepts used while constructing a financial plan. However, often investors end up using these investment terms interchangeably. Though both these investment concepts aid in managing portfolio risk, are these two terms related? If yes, how exactly? Let’s explore that in this article.

What is asset allocation?

It is an investment strategy that allows investors to balance risk vs rewards by determining the right percentage of each asset class in a financial portfolio. This determination is basis the investment horizon, financial goals under consideration, and the income flows of the investor.

Traditionally, there are three main asset classes in the investing world – equities, debt, and cash and cash equivalents. One can also add precious metals (such as silver, platinum, gold, etc.) or real estate, and alternatives such as other collectables, coins, and art to this asset class mix.

Note that, the portfolio risk adopted is not done on some random whims, but a consequence of an investor’s wealth status.

So if you are an individual with a low risk appetite, or if you are nearing your retirement, your asset allocation strategy would be different than someone who is in their 20s or 30s or someone who has a high risk profile.

Why must an investor invest in different asset classes?

The basic principle behind investing in different asset classes is that when you invest in an array of asset classes that aren’t highly correlated, an investor can successfully reduce the volatility of an investment portfolio. What’s interesting to note here is that it is compulsory for the asset classes to be negatively corelated.

Note that, histrocially, bonds and equities do not move in same direction and the correlation between both these asset classes are low.

Diversification

Is your portfolio risk fully accounted for with just mere asset allocation strategy? What if an investor invests all their particular asset class such as debt or equity into a single fund or stock? Imagine Raj has a single stock in their portfolio while Ramesh has 10 stocks in his investment portfolio. So in case of Raj, if the company that he has invested in suffers business loss due to any reason, his investment portfolio could take a huge beating. On the other hand, in Ramesh’s case, if any one of the companies that he has invested in suffers business loss, it would not impact his investment portfolio to a huge extent as he is heavily diversified across various stocks. One stock going bad would only impact 1/10th of this investment portfolio.

However, note that though diversifying your portfolio can be quite beneficial to your portfolio, over diversification might turn the tables around and might not be as effective. Experts believe that if an investor diversifies their portfolio beyond 20 or 30 stocks, it would be counter-effective and not make much sense. You can choose to diversify your investments across asset classes (debt, equity, cash and cash equivalents), location (international funds, national funds, regional funds, etc.) and also sector funds. Next time you choose to invest in mutual funds, keep these points in mind. Happy investing!

read more
Loan

Here’s How You Can Actually Reduce Your Home Loan Interest Rate!

Your equated monthly instalments (EMI) amount is based on a few core factors like loan amount, tenure chosen and interest rates. While you can pick your tenure and loan amount yourself, interest rates are levied by lenders. However, your interest rate has a significant impact on your home loan EMI. If you get a higher interest rate, you are bound to have a higher EMI. Therefore, you must try to reduce your home loan interest rate while applying.

Here are some ways through which you can reduce your home loan interest rates.

  • Choose lender carefully

You must choose your lender carefully. Not all lenders offer the same interest rates. Some lenders offer the lowest home loan interest rates in the market, provided you fulfil the eligibility. You would need to do some research to check a lender that helps you reduce your interest rates. Opting for lenders that help you restructure your loan and tenure can help you decrease your interest rates during the tenure. In addition, you must note which lender transfers the cut in repo rate to the borrowers. Consider the different home loan interest rates before applying for a home loan.

  • Check your credit score

Your credit score can help you reduce your interest rates. However, for that, you must have an excellent credit score. Lenders usually offer a low interest rate for borrowers who have a credit score of 700 or above. Before you apply for a home loan, check your credit score and fetch your credit report. In case of a low credit score, you should defer applying for a home loan until it is improved. Moreover, if there are any discrepancies in your credit report, request the credit bureau for rectification.

  • Opt for transfer balance

If you find a lender offering lower interest rates, you can opt for a transfer balance. With a home loan transfer balance, you can switch your loan and save on your interest outgo. However, ensure that the difference in interest outgo is substantial, as only a slight difference might not help you save against the cost of the transfer balance. Therefore, it would be best to do a cost-benefit analysis, comparing the total cost and gain of transfer balance before making the switch.

  • Change interest type

Fixed interest rates are usually charged higher than floating interest rates. Therefore, if you have opted for fixed interest rates, you could be paying high interest rates. You can switch to a floating interest rate to reduce the interest rates. Moreover, the home loan interest rates are historically low, but its benefit can be availed only if you have a floating interest rate. You can make the switch with the same lender or with a different lender. However, ensure to do the calculation to know the savings it will help you do.

A high-interest rate can make you spend a high EMI every month, impacting your personal finance. However, these tips can help you save money by reducing the housing loan interest rates. Apply for a home loan today.

read more
Finance

5 Mistakes That People Make While Taking a Personal Loan

Personal loans tend to be of great use when one has to meet unforeseen or urgent financial expenses. Considering that a lot could be going on in the mind of the borrower at the time of seeking such kinds of loans, it is understandable that they make some mistakes along the way. This article will essentially take you through some of the common mistakes made by potential borrowers while indulging in the process of taking a personal loan so that you can avoid them while you’re trying to arrange those emergency funds for your needs. Read on to know more.

Borrow loans beyond their repayment capacity: Due to the fact that some forms of personal loans do not need any form of collateral for it to be granted, people tend to take on more loans than they can repay. The same would eventually cause an undue burden of credit upon the borrower and could also become a cause of them defaulting, which has a set of negative implications of its own. It is due to this reason that one must try to live within their means by not letting the EMI obligations exceed a particular threshold. As a rule of thumb, one must give away 10% of their net yearly income at the most as EMI instalments.

  1. Applying for a loan from the first lender they come across: It is advisable for an individual to compare the personal loan details and terms laid out by different lenders so that they can apply for a personal loan that they feel most comfortable paying. If a future borrower undertakes such a task, they might be able to save up on interest amounts and, ergo, it will be easier for them to get out of debt.
  2. Submitting way too many personal loan application forms: In a desperate situation, where one needs money fairly instantly, they can fill in multiple personal loan applications and submit them to various lenders. And, thanks to portals such as Finserv MARKETS, one can do that in a matter of a few moments. That is not to say that such portals are to blame. In fact, if used wisely, portals such as Finserv MARKETS can be extremely useful to those who are looking to apply for personal loans and credit cards quickly and in a hassle-free manner. However, one must remember that every time a loan application is received by an executive representing the lending institution, they instantly pull up their credit reports, and every time such a thing happens, credit bureaus such as CIBIL or Equifax tend to make a note of the same. If the credit history inquiries are received by these credit bureaus way too many times, the borrower, who is essentially causing the lenders to seek that kind of information several times, is deemed to be credit hungry. Once a potential borrower has been branded as a credit hungry individual, they tend to also lose out on credit score points, making it difficult for them to secure a personal loan in the near future.
  3. Ignoring the fine print: One must always check the fine print of the personal loan they are considering taking. Additionally, one must make sure that they are aware of any charges that have not been discussed explicitly when the initial conversations surrounding the same were happening. It is due to this reason that a future borrower must always go through the aforementioned document in great detail so that they can prepare for, or even avoid, any unpleasant surprises in the future.
  4. Lack of an established balance between one’s loan repayment tenure and EMI payments: One can always lower their EMI obligations by opting for a long personal loan repayment tenure. While this will most certainly reduce their personal loan monthly EMI obligations and subsequently reduce their financial burden, they must remember that such a step must only be taken if they anticipate difficulties paying off the loan within a shorter frame of time and not simply because they have that option.

A personal loan can bring a person the financial relief that they may have been looking for if they are used wisely. It is due to this virtue of a personal loan that one must know and understand everything about them and the ideal way of applying for a personal loan so that they can avoid any kind of pitfalls. You can always learn more about the same on portals such as Finserv MARKETS, which help people secure the kind of credit they need almost instantly.

read more
Finance

Ways To Get Online Loans Without Credit Check

One of the most challenging parts of getting a personal loan is the compulsion of a credit check, which seems inevitable. But with the varied online options available, online loans with no credit check is possible too. However, these loans come with a high rate of interest, but if you can search properly, you will get the same site where you can get online loans without a credit check.

Check Your Credit Score

It’s always a wise choice to check your credit score before moving for online loans with no credit. To become eligible for a personal loan, there’s a qualifying credit score and report. In addition, there are three consumer credit bureaus where you can request free copies of your credit scores. However, all the lenders do not necessarily follow the scores and reports of all the three bureaus or sometimes follow the report of only one bureau.

Where To Get The Loan?

People generally demand online loans with no credit check due to their lack of credit, and many don’t get approval for the loans as they don’t have enough credit. The lenders usually do this check before issuing personal loans as these are unsecured or may charge high interest rates due to the same reason. So, to make sure the borrowers can return the amount, the lenders ask for credit checks.

The loans like high-rate installment loans or payday loans usually don’t ask for credit checks. There are also loans for a vehicle, such as a pawn loan requiring no credit check. But the costs of these loans are pretty high and make become challenging to repay.

However, there are many other options online where online loans with no credit check can be taken. Some of these options are:

Search through various payday apps, where loans are given based on income. You can also reach out to certain credit unions and ask about such loans. You may also very a loan based on your income if you have an account at a small or community bank. If you know the bank manager personally, ask them to grant you a loan based on your income. Certain companies offer loans to their employees too. Find out about such an offer in your office. If failed on these above, you may also take loans from your friend or family members as they will never check your credit report before lending.

These options are quite reliable and also don’t require any credit check. So, if you search for online loans with no credit checks, you should try out these tips. Whenever we think about loans, it stresses us about credit and the amount we can mortgage, but when we have online loans with no credit check, why worry?

As stated in the above article, all you have to do is, find your calling and the option which suits your needs. You can throw all your worries out, and get the loan you have desired for.

read more
Finance

Sukanya Samriddhi Yojana Calculator 2021

An Overview – SSY Calculator

Sukanya Samriddhi Yojana Scheme is a small savings scheme launched by the Indian government. The scheme was created with the goal of improving the lives of women in India. Applicants of the plan can obtain greater returns of 7.6% and tax benefits of up to rupees one lakh fifty thousand lakh.

What is the Sukanya Samriddhi Yojana (SSY) Calculator and how does it work?

After entering all of the essential information, the SSY calculator calculates the value that will be sanctioned upon maturity. A minimum of one contribution per year for 14 years is required to complete the procedure efficiently.

  1. The individual is assumed to contribute the same amount each year.
  2. No donations are required from the 15th to the 21st year. In addition, interest is calculated based on past contributions made during the scheme’s lifetime.
  3. The SSY calculator takes into account the interest earned while entering the final sum.

Aspects to Consider

The following are some of the points covered under the SSY calculator’s operation, which define how to use the calculator and how it works:

  1. To make the calculation, you’ll need to know the girl’s age and the amount of money you put in.
  2. The scheme requires a minimum commitment of Rs.250.
  3. The maximum contribution is Rs.1,50,000.
  4. The scheme’s maturity period is 21 years.

Maturity Value Calculation

Here’s how to figure out the maturity value while keeping the monthly and annual contributions constant. The following are the assumptions used in the calculation:

  1. The interest rate will be 7.6% for the whole 21-year scheme period.
  2. On the first of each month, contributions are made.
  3. Every year on April 1st, yearly donations are made.
  4. The monthly and annual contribution amounts are fixed.
  5. During the scheme’s 21-year lifespan, no withdrawals are made.

Advantages of Using the SSY Calculator

The SSY calculator can be used by Sukanya Samriddhi Yojana Scheme applicants to determine the final amount at the end of the scheme’s tenure. The calculator aids in calculating how much money can be saved through the scheme.

  1. Allows applicants to assess the amount that will be credited following maturity.
  2. Allows candidates to see their maturity value on a monthly and yearly basis.
  3. Errors made during manual calculations are no longer an issue.

Eligibility requirements

  • A girl child’s age shall not surpass ten years.
  • The girl must be an Indian citizen.
  • Deposits into the SSY Account can be made in a variety of ways.
  • The applicant must deposit a minimum of Rs.250/- in the Sukanya Samriddhi Account every year for the next 14 years, as stipulated.

Any of the following methods can be used to make a contribution:

  • Cash Cheque
  • Demand Draft
  • E-Transfer at the bank or post office concerned.

While presenting the instrument of deposit, the depositor must sign and indicate the beneficiary’s name and account number. The date on which the sum is credited to the account will be the date of encashment if the mode of deposit is check or demand draught. If you deposit using E-Transfer, the date of deposit will be the same as the date of encashment.

read more
1 3 4 5 6 7 16
Page 5 of 16