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You have to decide whether to provide credit or not . 1.Character of the person and the organization . Also the relationship that can be developed 2.Capacity to pay back .This will also include capital and profitability  Also turnover , asset size , 3.Collateral - can he provide the same  4.Reliability and continuity of the management  5.Financial reporting and transparency  6.Industry risk  7.Asset liquidity

https://www.chabad.org/theJewishWoman/article_cdo/aid/5611615/jewish/7-Steps-to-Help-You-Focus-and-Set-Goals.htm#utm_medium=email&utm_source=1_chabad.org_magazine_en&utm_campaign=en&utm_content=content  By Chaya Shuchat Our generation has a focusing problem. The continuous stream of pings and beeps from our devices keeps us trapped in a never-ending feedback loop. We’re constantly exposed to images of everyone else’s glamorous adventures, leading to a curious cultural phenomenon dubbed FOMO, or “fear of missing out.” It has become popular to put together “bucket lists” of things we hope to do in life one day, but as the Midrash says, “No man leaves this world with half his wishes fulfilled.” 1 Having as many options as we do does not contribute to our peace of mind or tranquility. On the contrary, it can make us feel even more anxious and fragmented. No matter what we’re doing, we can’t shake the feeling that we ought to be doing something else. The Lubavitch...

Would you rather be less attractive and extremely intelligent or extremely attractive and less intelligent? What do you think the pros and cons of each combination would be?  I per say would love to be more intelligent . It would not only help me to get a big picture of life and not worry about small things . It would also help to make others comfortable in my presence too.  It definitely matters as to how well I dress, wear attractive clothes and look attractive too. There was a famous incident when Tagore and Gandhi were together . Tagore spent hours combing his hair , shaping his beard and changing robes much to the chagrin of Gandhiji . On being quizzed Tagore retorted that people are coming all the way to hear me , how can I disappoint them by being unclothed and wearing a small loincloth .  Looks definitely manner so that your audience gives you a patient hearing. However at the same time succinct content makes all the difference . While it is definitely important t...

   https://www.hydrocarbonprocessing.com/magazine/2019/march-2019/columns/europe-russian-petrochemicals-industry-on-the-verge-of-large-scale-growth  The Russian government has announced its plan to increase the volume of support for its domestic petrochemicals industry over the next several years, with the aim of doubling its production and boosting exports, according to Russian Minister of Energy Alexander Novak and the press service of the Russian Presidential Administration. Planned support is expected to be in the form of additional subsidies and the creation of favorable tax regimes for producers. In general, the government plans to create more attractive and stable conditions for doing business in the Russian petrochemicals industry, ensuring stability of the industry’s tax regime for at least 15 yr. A final list of planned support measures will be announced by the end of 1Q 2019. According to Novak, the government hopes to attract more than $40 B of add...

 https://www.financialexpress.com/industry/how-small-sizes-are-packing-a-punch-in-retail/1658452/ Malka Silelan from Chitwana Sherpur in Mawana Tehsil, Meerut, mother of five and a domestic help, more often than not buys the small-size packets of Cadbury when her children crave for chocolates. “I buy Rs 10 Cadbury packs for my youngest son Anmol, because that’s what I can afford,” says Silelan. Humayunpur, a tiny village in Delhi’s Safdarjung Enclave area and home to mainly north-eastern migrants and Jat landlords, is the place where migrants like Silelan come to work daily. In Humayunpur lies Anil Stores — a kirana shop that stocks large volumes of small packs ranging from Rs 5 ginger garlic paste to Rs 10 Maaza and Rs 10 Cadbury chocolate – which, by default, seems to be the ideal place for people like Silelan for daily needs. “A daily labourer doesn’t get paid everyday, so sometimes he borrows things and promises to pay me later. For such people, a commodity’s big p...

While analyzing a market for developing an app , following points to be kept in mind : Historical footprint - mughal/ english /rajput / hindu kings  Economy driver - Agriculture / Industry  Education drivers - are the bulk of the population graduates / postgraduates Population translated to potential- normally a family of 4 consumes 250g of tea in a month Religious divide / Festivals Income profile  Occupation  Media - what newspapers / tv channels  Entertainment - sports / movies / theatre / art gallery Key food habits 

  In the packet tea business there have been shifts in the taste and preferences of customers . Much has been decided by first movers like Vikram Tea , Society and Wagh Bakri .  The early movers like Brooke Bond , Lipton , Goodricke could easily be falling behind due to lack of creativity at their end on blend formulations .  The above companies have been focused on margins , incurring large spends on advertising , have been tight on trade margins and have been surviving with psychographic play on customers .  Gujarat based players have created an ownership of taste , used blends with Upper Assam Teas and have stayed close to retailers to build a close contact with trade , depending less on distributors and superstockists . Their customer contact and feedback has been exemplary and on many occasions have visited customers at their residence to understand their preferences .  While most businesses have to fund on their own , the Gujarat players have ...