St Augustine, the nation’s oldest city is a wealth of history and charm. The city is home to historic fort Matanzas, Castillo de San Marcos, and the St Augustine lighthouse. Horse drawn carriages provide a charming ride through the enchanting and historic downtown that retains the old world feel provided by the Europeans that first settled here in the 1500s. These enchanting homes are Cranewoods Development’s contribution to continuing that tradition.

The unique collection of single family homes, cottages, town homes and penthouses, all feature stunning water views, looking across Salt Run to Anastasia park, the Atlantic ocean and St Augustine inlet. The unique designs feature superbly detailed balconies to maximize the views.

Although the homes are built with traditional exteriors, the interiors are luxuriously equipped for the 21st Century. Purchasers can choose from a selection of custom designed interiors, which enhance the desirability of these beautiful properties. The interiors contain a level of architectural detail unmatched in the area.

Construction manager HCM Construction is a nationally recognized builder based in Jacksonville, Florida. They are well acquainted with the challenges of constructing architecturally detailed homes in coastal environments. The homes have been exquisitely designed by Cronk Duch Partners, an architectural firm known for its heirloom quality home designs, with a flair for historically accurate detail.

Whether you are looking to relocate to Florida from out of state; wishing to purchase an exceptional waterfront home your primary residence; for investment or as a second home, then any of these outstanding residences would be well worth considering.

To learn more about this unique opportunity, visit the project website at http://www.abacosatsaltrun.com

HCM Construction, founded in 1992 and based in Jacksonville Beach, has broad experience managing projects from concept through completion and works on a variety of projects as builder, general contractor and renovator. For more information, contact 904-270-0270 or visit http://www.hcmconstruction.com

Cranewoods Development, LLC is known for assembling project teams with the creative talent necessary to develop, design and build cutting-edge projects. Cranewoods focuses on specialty and high-demand waterfront markets along the Florida coast. For more information, visit http://www.cranewoodsdevelopment.com

Tag Craig

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Increasingly, many Americans are looking to relocate overseas or adopt children from foreign countries. The number is at an all-time high and we are fast becoming a nation of global citizens. Of course, moving to a new country requires a little bit of work and a lot of paperwork. And there are strict requirements most countries maintain in what paperwork they will accept as valid.

That is where the apostille stamp or seal comes in. You may have never heard of one until your lawyer or foreign agency told you all your documents need one. In getting one, the first question you may ask is:

What the heck is an apostille stamp?

Apostille is a french word meaning “certification.” The pronunciation can be tricky, but most apostille offices in the U.S. pronounce it “a po steel”. The apostille as we know it today was born in 1961 when several countries agreed to use a common system for certifying documents so they could be recognized as authentic by foreign nations. This is called the Hague Convention and there are currently dozens of nations who are members, and therefore accept the apostille as a symbol of authenticity. So in essence, with an apostille your document is then “legalized” for use in that country.

How do I get an apostille seal?

Getting an apostille in a timely manner is not an easy task if you don’t know what you’re doing. That’s where the apostille services come in – and boy do they come in for a hefty price! You may have done an internet search for “apostille” and dozens of companies’ ads shoot up vying for your business. Unfortunately they make you pay dearly for their precious help. Just one document can cost upwards of $200, and some documents like transcripts can be as high as $600 per document. And then there are the one or two shady-looking cheaper services which will need a week or two to process your documents. What you save in money, you lose in precious time (and worry).

Got an extra few thousand dollars to apostille your documents?

I didn’t think so.

The fact is you don’t need an apostille service at all. With a little bit of knowledge, you can get your important documents apostilled fast and cheaply. For example, let’s say you have just three documents you need apostilled. With the average apostille company, you could pay upwards of $600 to get them done and returned to you in usually about 48 hours. With some “insider” information telling you exactly what you need to do and where and how to send your documents, you could get the exact same apostilles done in the same amount of time (or even faster in some cases) for closer to $35 for all three.

It’s a no-brainer. The apostille companies prey on your lack of knowledge and strict time constraints, and then gouge you for doing something you could easily do yourself.

Trust me, you don’t need to hire an apostille service.

My own personal experience with obtaining apostilles led me to create a manual for helping the average person do what the apostille companies do but for pennies on the dollar. I wanted to expose to the world how easy, secure and cheap it could be to get your documents apostilled. If you’re looking for help, stop in to my website and learn a few valuable tricks. www.apostilleguide.com

Happy apostilling,

Melanie Viego

Melanie Viego

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Foreign Exchange Reserves (FER) is the surplus money or capital that a country parks or maintains in the foreign country in form of currency, bond and other kind of securities.

Foreign exchange reserves are the foreign currency deposits held by national banks of different nations. These are assets of Governments which are held in different hard currencies such as Dollar, Sterling, Euro, Yen, Gold, SDRs. The current FER of India amounts to $251.33 billion as on 14 Oct as declared by the RBI. This amount seems an alien like figure when we look back to the early 90’s when we had just enough reserves to meet our country’s demand for the next two weeks. The total FOREX reserves have risen from $3.96 billion in March 1990 to $251.33 billion as on 14 Oct 2007.

Movements in Foreign Exchange Reserves (at the end of March)

OBJECTIVE:

The objectives of my article are as listed below:

1.      To study and analyze the current methods RBI uses to manage our FER.

2.       Analyze how other countries like China, Abu Dabhai and Singapore with large FER manage their reserves and whether India can also opt for these processes to obtain higher ROI.

3.      I would like to list out various other innovative and new options and avenues towards which India ca
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n look to which will benefit the country and its people, for getting higher returns on its reserves while minimizing the risk involved; as the primary objective of having a reserve is to provide a cushion in case of any emergency or financial crisis. I would also like to forward these suggestions to the RBI.

LITERATURE SURVEY:

1. “Determining the Optimum Level of Foreign Exchange Reserves”,

By Sajikumar, Treasury Management. The Icfai University Press, November, 2005.

The author says that the increase in the inflows of the foreign reserves in the country by the route of ADRs, GDRs, FDIs, ECBs, portfolio investments, non-resident deposits and bank capital raises the question of an ‘optimum’ level of reserves. Further, he discusses about the reserve adequacy indicators: Trade related indicators (reserves should be equivalent to a few months of imports), Debt related indicators (reserves can meet the external repayment obligations without additional borrowing for one year- Guidotti rule) and money-related indicators i.e. reserves to broad money/ reserves to reserve money.

2. “Should India Use Foreign Exchange Reserves For Financing Infrastructure?”

By Charan Singh, Stanford Center for International Development, September 2005

The author states the primary objectives of maintaining forex reserves is safety and liquidity, maximizing returns is secondary. The forex reserves in India are managed by RBI in consultation with the Government of India. The opinion of the author is that India should not invest forex reserves in Infrastructure. Going ahead he says, infrastructure projects in India yield low or negative returns due to difficulties: political and economic — especially in adjusting the tariff structure, introducing labor reforms, and upgrading technology and the use of FER to finance infrastructure may lead to more economic difficulties, including problems in monetary management.

3.“Surging Forex Reserves: A Frankenstein’s Monster?”

By GRK Murti, Forex Markets, Current Trends, The Icfai University Press, November, 2005.

The author talks about the surging forex reserves of the country and states that the level of forex has surpassed the adequate level. The author further says that the hoarding of forex reserves in the overseas markets has made it a Frankenstein’s Monster. Hoarding means savings that is put aside for the future use and this also entails an opportunity cost to it. He also opines that the RBI should take the risk of deploying these reserves in infrastructure projects or retiring high cost existing debt.

4.“India’s Forex Reserves Deployment Dilemma”

By Priyanka Sugandhi, Forex Markets , Current Trends. The Icfai University Press, November, 2005.

The author has shown the dilemma being faced by the RBI in deploying its forex reserves by citing the costs and the benefits associated with the huge forex reserves. The benefits being the foreign currency liquidity enabling the economy to absorb shocks like during the oil crisis, and high forex reserves also depicts the ability of the economy to meet its external obligations. The costs associated being the opportunity cost of deploying the reserves into the developed countries which gives low returns as compared to what Indian Government pay to its domestic borrowings whereas the bond market in developed countries are very liquid and do entail very low credit risk.

ISSUE:

The unprecedented rise in Foreign Exchange Reserves (FER) in India has raised concern about its optimal size and appropriate utilization. The amount of FER in India is modest when compared to some of the other countries in the region, and it can be argued that the proposed plan may lead to more economic difficulties than anticipated benefits. Safety and liquidity are paramount in the management of reserves and these demand that reserves are held mostly in G-7 central banks or Treasury bills of the highest quality and the lowest yields. The usual favorite in the latter are those issued by the US Government. Bonds are no better. Investments in G-7 bonds too are characterized by low yields, given the low level of global interest rates. Every country needs a minimum level of reserves for imports, debt-servicing and market intervention to ward off possible speculative attacks on the currency.

 India followed a restrictive external sector policy until 1991, mainly designed to conserve limited FER for essential imports (petroleum goods and food grains), restrict capital mobility, and discourage entry of multinationals. The external sector strategy since 1991, though gradualist in approach, has shifted from import substitution to export promotion, with sufficiency of FER as an important element. As a result of measures initiated to liberalize capital inflows, India’s FER (mainly foreign currency assets) have increased from US$6 billion at end-March 1991 to US$251 billion at Oct 2007. The acceleration in the trend first emerged in 1993, as recorded by the rise in foreign currency assets, when India adopted the market-based system of exchange rates and then in 2001, when the current account recorded a surplus after a persistent deficit since 1978. India ranks sixth in the world in holdings of FER in 2007.

The recent surge in FER has occurred primarily because of an increase in:

1.      Work Remittance

2.      Exports

3.      Capital Inflow

The RBI being the custodian of the FER has to decide how to manage the FER. This job is by no means an easy task and the controversy that surrounds the usage of our FER still looms at large. Some skeptics say that FER are a cushion for the country in case of an economic crisis and help in bailing out the country in case of an emergency. However it wouldn’t be wise to let our FER just keep on piling up and not utilize them judiciously. We can utilize our FER to improve our infrastructure, which is very desperately needed to sustain the rapid growth we are witnessing in our country at this moment, we can also utilize our foreign reserves to repay our short term high interest term loans taken from foreign financial institutions, using reserves to acquire foreign assets including technology or we can also utilize our reserves for social welfare to eradicate poverty. The ways in which we can utilize our resources are endless but we must take care not to overdo it. However not utilizing our reserves has an opportunity cost attached to it as the RBI primarily invests and parks its reserves in low yielding US govt. bonds.

REFERENCES

1.   Cardon Pierre And Joachim Coche, “Strategic Asset Allocation For Foreign Exchange Reserves”, Risk Management For Central Bank Foreign Reserves, European Central Bank, May 2004.

      2. Dwyer Mark and John Nugée, “Risk Systems in Central Bank Reserves Management”

, Risk Management for Central Bank Foreign Reserves, European Central Bank, May 2004.

3.      Damodaran Harish, “The `Other Capital’ Factor In Forex Reserves Accretion”, Financial Daily. The Hindu Group of Publications, Wednesday, Jul 02, 2003.

4.      Patnaik Ila And Peter Pauly, “The Indian Foreign Exchange Market And The Equilibrium Real Exchange Rate Of The Rupee”, Ncaer, Delhi And University Of Toronto, February 2001.

5.      Sajikumar, “Determining the Optimum Level of Foreign Exchange” Reserves, Treasury Management. The Icfai University Press, November, 2005.       

6.      Singh Charan, “Should India Use Foreign Exchange Reserves For Financing Infrastructure?” Stanford Center for International Development, September 2005

7.      Sugandhi Priyanka, “India’s Forex Reserves Deployment Dilemma”, Forex Markets,Current Trends. The Icfai University Press, November, 2005.

8.       Murti GRK, “Surging Forex Reserves: A Frankenstein’s Monster?”, Forex Markets, Current Trends, The Icfai University Press, November, 2005.

Amit Singh Bisht

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Community colleges play an important role in providing affordable education; yet they are considered inferior in comparison to University education. This consideration is quite further from the truth. In fact, a good number of nurses are students of community colleges and are very well trained in their jobs. The associate degree nursing program provided by community colleges are rigorous courses that provide very good clinical experience and comparable to that of the bachelor of nursing degree courses provided by Universities. However, if you possess nursing training from a community college, most hospitals will not consider you a Candidate for any administrative nursing position, as this requires a Bachelor’s degree.

There are many advantages of learning at the community college levels. One biggest advantage is the fact that the teachers at th
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e community college are dedicated to teaching. They are more approachable and helpful to the students. They are not simultaneously working on their own projects and usually devote all their time to teaching at the community college. Students are never considered as an interruption in the pursuit of their own agenda.

Community Colleges are a supportive system for those individuals who are going back to academics after a long gap or for those who may not have been getting top grades at high school. The teacher to student ratio is lower in community colleges hence, the teaching faculty can provide personalized attention to the students. This is a great advantage to the students who require extra coaching.

Students who complete the two-year degree program at community college are likely to complete their four-year degree. Research indicates that students who start at universities for four-year degrees usually drop out of the course mid way. A two-year community college degree will also help to increase the earning capability of the individual even if he does not complete the four-year degree course.

There are some disadvantages associated with community colleges that one should be aware of. Some universities do not accept transfer credits of courses completed at the community colleges. Ensure that you check out the courses required at the university that you plan to transfer to for further education. Another problem could be the availability of certain courses that you may want to do, or the limited number of courses on offer at the community college.

In conclusion, the community college education can be a useful, instructive and an affordable option for formal education. It can be considered as a stepping-stone to the higher level of University education.

Abhishek Agarwal

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