Month: February 2022

No doubt, many people do not have much interest in reading about financial concepts. But I am not one of them; if you are on this spot then perhaps you want to learn about the equity capital market (ECM). You are at the right spot to have rich information in just 3 minutes of reading time of this blog.

The equity capital market (ECM) is associated with the area where financial institutions allow companies to enhance equity capital. The stocks are traded in this market; it is based on two main markets: the primary market for private placement, warrants, and initial public offerings (IPOs). Whereas the secondary market is considered for the trading of existing shares, options, futures, and so many other securities.

Understanding Equity Capital Markets (ECMs)

The equity capital market (ECM) is wider than the stock market because it offers a broader range of financial activities and instruments. Such activities include the marketing, distribution, and allocation of IPOs, derivative trading, issues, book building, and private placements. The main contributors in ECM are retail investors, angel inventors, venture capitalists, investment banks, and broker-dealers.

With the combination of the bond market, ECM mediums money grants by savers and depository institutions to investors. Being one of the main parts of the capital market, ECM is considered as the efficient allocation of resources within a market economy. Let’s discuss the two main types of equity capital market (ECM):

Primary Equity Market

The companies issue new securities into two parts: primary public market and private placement in the primary equity market. In the primary market, the listed companies are allowed to issue the new equity via seasoned issues and companies can go public through IPOs. Whereas in the private placement market, companies do raise private equity through unquoted shares that are considered to sell directly to inventors.

Secondary Equity Market

In the secondary market, no creation of capital is done. It is like the stock market, where the trade of existing shares happens. It consists of an over-the-counter market (where the dealers work in the network without acting as an intermediary) and stock exchanges.

Pros and cons of Raising Capital in Equity Markets

Increasing capital through the equity market offers plenty of perks for companies.

The main advantage is the lower debt to equity ratio as organizations are not required to access debt markets with high-interest rates to finance future growth. As compared to the debt market, you will find the equity markets more flexible and have a broader variety of financing options for growth.  On some occasions, equity markets help company founders and entrepreneurs to bring oversight and experience from senior colleagues, especially in a private placement. It allows companies to expand their business with new products in new markets.

On the other hand, there are some problems with increasing capital in equity markets, as the process of public offering can be time-consuming and expensive. There are different parties involved in the process that can result in the multiplication of time and costs needed to bring the organization to market.

Do you know that frameworks have become a crucial part of web development? The standard of web applications is enhancing so the complexity level of technology is also rising. It is not a good idea to reinvent the wheel for such tools. It is important to have the frameworks that can be used by the developers of the entire world. A web application has two sides, the client-side and the server-side. The server side is known as the backend, the other one is known for the front end.

In this blog, you will walk through the web development backend frameworks. We at Objectual system limited provide astonishing services mainly in the domains of web & mobile app development, CMS, and Cybersecurity. So if you are looking for a professional developer for the perfect app development then choose none other than us.

Best Backend Frameworks

From MVC frameworks to Restful APIs, find the list of the most robust backend frameworks in this year that you might want to learn.

1. Express

Express is one of the most trending frameworks for web development in 2021. It is famous amongst IBM, Uber, Accenture, and many other companies. It is compatible with other frameworks like Sails, Loopback and Kraken. Express prides itself on a fast and minimal framework. It provides the main functionalities without having any incomprehensible features of Node. Express supports complete applications as it is quite flexible. Maybe the major drawback of express

2. Django

You may have heard the name of Django, which is the model view template framework. It uses python for web development; Django is used by big names like Instagram, YouTube, and Google. It shows its battery included feature, which is the package of features like messaging and authentication that Django possesses. Django prefers to follow convention over the DRY and configuration pattern as well. The aspect of security is crucial in Django as it provides the set of tools and techniques to develop a secure website. The implementation of the security feature is in Django itself such as preventing code execution in the template layer.

3. Rails

Rails are one of the favorite frameworks of developers; it is the model view controller framework. Hulu, Shopify, Airbnb are the main users of Rails, it is considered as the user friendly. Beginners find it very helpful to use as the advantages and disadvantages are debated which allows the initiator to learn quickly. There are different useful gems for rails that allow you to develop the web application even more efficient and faster.

There are plenty of tutorials and screencasts available to become the rails expert within no time. The prime disadvantage of rails is that it takes little extra effort to deploy and run the web application in the production environment. But believe me; you will unravel the magic after you dive deeper into this framework.

4. Laravel

It is also the model view controller framework that uses the most popular language of the web which is PHP. Indeed, this is new as compared to other frameworks in this list but it comes with API support. Laravel possesses a decent amount of packages that can extend the reach. Do not compare Laravel with express and Django as it might be a drawback for huge projects.

 

 

Do you know how addiction changes the way a person’s mind and body works? It depends on the priorities, sometimes self-care is neglected in favor of substance abuse. The process of recovery focuses on helping the individual to get rid of the effects of alcohol or drugs from the mind. But normal functioning of the person’s mind and mood is significant. You may find plenty of ways to for recovery; yoga and meditation are among the top ones to achieve the desired recovery.

Emotional and mental experiences are the best way to fuel the addiction. Self-medication is mostly used to escape from stress. Without the usage of alcohol and drugs, it is possible to learn healthy and new ways to manage the inevitable difficulties the addict faces during the phase of treatment. Yoga and meditation are considered to improve the recovery outcomes and help developing attitudes that help sobriety for the entire life.

YOGA

Why is yoga considered one of the best ways for relaxing the mind? There are numerous approaches to yoga that can be used for anyone. Even if you are a beginner, you will find different benefits via breathing exercises, postures, and movement sequences that are specially designed to strengthen the human body. Let’s discuss some of the perks of yoga that are experienced by most people:

• Improved flexibility
• Superior strength
• Muscle harmonizing
• Weight loss
• Better energy levels
• Enhanced respiration and circulatory health
• Make stronger athletic ability

Yoga is helpful to treat some of the chronic conditions that include carpal tunnel syndrome, headache, and back pain. It is also considered the best technique to reduce insomnia and blood pressure. Most people find yoga as the best stress reliever and for mental peace. Through concentration and breathing, you can have improved body awareness regarding your mental and physical needs.

MEDITATION

Meditation has several golden sides that allow us to overcome triggers and stressors that can cause relapse. Many of these perks are mentioned:

• Condensed stress levels
• Reduced anxiety
• Improved self-awareness
• Superior attention span
• Better quality of sleep
• Reduced soreness
• Reduced blood pressure

Particularly, for the recovery of addiction, meditation is considered for improved control over thoughts and impulses that activates addictive behaviors. You can strengthen control compulsions, willpower through meditation. It helps you to have a better understanding of your emotions and thoughts that can drive habits and dependencies.

Well, this is true that yoga and meditation cannot stop addiction alone, but you can reap lots of benefits through these tools to strengthen the experience of recovery. Some people think that they have much time to go through the process of recovery but in reality, this is not the case. Cutting off abusive relationships and the gathering of the people with whom you normally take drugs or alcohol can leave you experiencing anxiety, boredom, and other emotions. It can activate the setback so better to develop a healthy interest to be motivated during the treatment. Hopefully, you found this blog helpful, if you want more rich content then give a visit to the blog section of Objectual systems limited. We have gathered amazing content to enhance your knowledge level.

Do you know that java is one of the most used programming languages throughout the world to develop dynamic web applications? A web application is the computer software that is used to perform different tasks on the web browser through the internet. Java allows us to establish and deploy the web application on a server via some technologies like servlet and JSP. You can make a static website with HTML pages but for the dynamic website, you need to use server-side technology.

The process of a web server handles the request and response of clients from processing the request of the client by using the related protocols. The main function of a web server is to respond to the stored requests with web pages. It is used as the mediator between the server and client such as Apache is a leading web server. Whereas a client is software that allows users to send requests and communicate them with the server.

Web Application Using Java Servlet

If you want to develop a web application then make sure that you have mentioned tools installed on your PC:

• Java
• IDE ( Eclipse or Netbeans)
• Database (Oracle or Mysql)
• Server (Tomcat)

After that follow the below steps to establish a good quality web application:

Step 1è Open Eclipse makes a vibrant Web Project

• Open the Eclipse IDE, navigate to File
• New
• Dynamic Web Project

If you do not find the dynamic web project in your list then go for the other option and look for it. Click on it to continue.

Step2è Give Project Name

Add the particular project name then click next to continue

Pursue the prompt and tick the produce web.xml deployment descriptor

Now, the project is ready

Step3è Generate a Servlet

At this moment, generate a servlet by right-clicking on the Java Resources/src folder.  To make a servlet right click on the src folder and find the way to the New-> Servlet menu. Grant the Servlet name.

Click on the finish button, it will generate a TestServlet as specified.

Step4è Insert the Servlet Jar file

If you see that your servlet is displaying many errors then it may be because you have not added the servlet-API jar file yet. To insert the jar file, right-click on the project and choose the configuration alternative by navigating to construct Path-> organize Build Path option.

• Now, click on the Add External JARs option.
• Pilot to the index where you have installed your server and choose the servlet-api.jar file
• Connect Open to continue.
• Now choose the Apply and Close option. You will see the jar file added to the project.

Step5è Make an HTML or JSP file

At this moment, you will have the web application ready. You can create HTML pages that you are interested to display on the website.

To create an HTML page, right-click on the WebContent folder and choose the New HTML file option from the New-> HTML File menu with the name index.html.

You have created the HTML file

After that, map and run the file. It may take some time to load the application.

Are you planning to take your business to the next level with the customized web application? If yes then you must be wondering the features that can make your application the successful one. Reaching more customers and streamlining the business process are among the biggest obstacles for many entrepreneurs. Therefore, it is essential to incorporate unique features to have success.

In this blog, we will walk through the critical features that must have by the web application. We, at Objectual systems, limited provide amazing web and mobile app development services that end up with 100% satisfied results.

Vital features of the successful web application

It is not worthless to explore the development of enterprise web applications. Let’s have look at the most important ones:

Mobile-first interface

Enterprise web applications need a shift from the conservative web design thinking because users are more towards using tablets and smart phones. According to the research, only 27% of laptop users were found only 27% whereas 57% were Smartphone users who accessed the internet. That clearly shows that the customers are more comfortable using mobile phones. You are required to add the trending UO design to your web apps.

It is good to consider the unique features of mobile devices to make them more responsive. The application should be flexible enough to adjust the screen and other features. The loading time of the app must be one of the main things to consider.

Social integration

Let’s assume you are completing the registration process on the application as a new user. If the process is time-consuming you will find yourself disappointed and frustrated. What is the solution to this problem? You can use the social media platform to rationalize the registration process. Social integration is the best practice that allows users to sign in instantly with their preferred social media account.

You won’t need to fill up the lengthy forms and users would be able to have the perks of signing in as customers. Think of the favorite social media network of your users to get a better engagement of your enterprise web application. Social integration allows you to have valuable ways to interact with your brand for the users.

Analytics and reporting

Do you know that one of the unique features of an enterprise web application is analytics? With the help of integrated analytics, you can get essential insights on user behavior patterns and the entire performance of the web app. You can track all the data and optimize your web app to get enhanced engagement and better conversion rates.

Web push notification

How can you use the push notification as a handy feature? It can offer the most personal channels to connect with real-time customers. It is simple; you can send the targeted push message to the user device based on behavior and location. These features feel like the ones from eh native app even if the browser is not running. Push messages are more likely to generate more engagement and retention from push-enabled users.

 

Most people are not aware of the difference between a website and a web application. If you are one of them, this blog is perfect for you. You will come across the difference in the existence of both concepts. Let’s dive into the subject:

What Is A Website?

It is the globally interlinked web pages that are accessible throughout the globe that have a single domain name. It can be maintained and developed by the expert individual, organization, or business. Different purposes are considered to build a website like blogs. The website hosts one multiple or single web server that is accessible through the network like private local area network and internet via AO address.

What Is A Web Application?

A web application is a program or software that is accessed by any web browser. The front end of the web application is developed through the usage of languages like CSS, HTML, and JavaScript that can be supported by multiple browsers. Whereas the backend could use any programming stack like MEAN, LAMP, and so on. You do not need to have a particular SDK to develop web applications.

Why Do You Have A Website?

There are several reasons to have a website, here are some:

It allows you in branding your business

It allows you to have the social proof

Considered one of the best methods to showcase your products and service

It helps you to enhance the customer support

It helps you to achieve the business goals

Why Develop A Web Application

In this current time, web applications are more popular than the website due to the mentioned reasons:

• Web applications are easier to maintain as compare to desktop applications by using the same code for the whole application, you would not have any compatibility issues
• The web application is accessible for any platform because it supports modern browsers like MAC, Linux, etc
• You do not require the approval of mobile app store for web application
• These can be released in any form at any time, so you do not need to remind users to update their applications
• Enjoy access to web applications anytime, like 24×7 for 365 days from any PC
• The mobile devices and computer, both can be used to access the required data
• Web applications are the most efficient choice for any company as seat licenses for desktop software are a bit expensive.
• You do not require downloading or installing them on your mobile phone, as these are accessible through any web browser with an internet

Characteristics Of Website

There plenty of characteristics of the website, some of them are mentioned:

• The displayed web content is relevant and high in quality
• User-friendly web design and navigation
• Websites are easily searchable through using the search engines like Google, Mozilla Firefox, and so on

Characteristics Of Web Application

Let’s have a look at some of the major attributes of web application:

• Mostly cross-platform
• Easily tested with automated tests
• Highly scalable and cloud-hosted
• Modular and freely coupled

Do you know the specialty of creative people? It helps us to express ourselves. It is the ability to surpass the traditional ways of acting or thinking to establish new and original methods, objects, and ideas. The process of coming up with something new includes not only a creative leap but also reasoning, expertise, and cognition. There is a wide argument on the fact that creativity involves a human process that brings the innovative and creative product into existence.

Innovation and creativity are consistently pushing us ahead in terms of diverse fields including science, technology, etc. you cannot say that creativity and ideas come on command, they appear at the moment when we expect least, like moving a bottle of water in different directions shows us the creative way.

Let’s discuss an example to understand it further. Why did no one other than one of the most influential scientists in history focus on the process of falling an apple from a tree? I am talking about Sir Isaac Newton; he was once going through the garden when the moment of creative brilliance caught him that changed the world. He saw an apple fall to the ground while standing under the tree. He realized the drawing power in this matter, thus the concept of gravity took birth.

It is the sign of inspired genius that blows the mind during the light bulb moments when creative conditions are right. We have plenty of people to look at who wrestled with great ideas of the year. Be mindful that creative thinking is the process for all of us.

You Can Be Creative Too

You may have heard the belief regarding the trait of creativity that either you have it or you don’t possess it at all, that’s partially true. But we all are capable of enhancing our creative skills with wonderful ideas and solutions to problems. It is the skill that takes your thought process. Most of the time, it becomes easy to solve the problem when we take them imaginatively and flexibly. Every person has equal capabilities to be creative no matter if you are the financial controller or the creative director.

Creative Thinking

Again, I would say that creative thinking is the process, not an event. It requires us to go through the process of establishing connections between unrelated ideas. The general idea says that creative thinking includes cognition or evaluation, a generative or affective aspect that involves the association of dissimilar ideas as the relevant solutions.

How To Be More Creative

If you are wondering how to become more creative then you are at the correct place. Let’s have a look at the mentioned strategies:

Write More

The more you write the more you can open up your ideas in written form. Again, you don’t need to get the best idea in the beginning; it may require writing dozens of ideas to uncover the brilliant one. So prefer to produce more volume of work to have the creative spark within you.

Widen Your Knowledge

If you have more knowledge then you can widen your ability to think or write about diverse subjects so pay attention to this aspect also.

Get More Sleep

According to the study of the University of Pennsylvania, your mental and physical performance declines if you do not sleep for the appropriate time so make sure to have at least 8 hours of sleep at night. If you stayed up for a longer period, your cognitive abilities would negatively affect.

Let’s stop fiddling with our smartphone beautification apps and filters for a moment? It’s time to discuss the healthy heaping of gratitude, common sense, and irreverence. In this blog, we will come across some of the great age-positive ways to begin the holiday season. We, at objectual, are working to contribute to the world of rich content regarding different subjects like trending technology, web, and mobile applications, cybersecurity, and daily life events. Let’s have a look below:

Consider Your Gray And White Hair As Glitter

The current fashion world does not define particular standards for defining beauty. The skin of each color, hair of any type can look stylish. So if you have gray and white hair then ask for balayage, this is the technique in which highlights are painted on with the brush that looks very natural and does not leave any negative impact on regrowth at the salp. It also enhances the face look and skin tones of the person.

Get Skin-Tone Glasses

Do you remember how skin-tone glasses make your legs longer? Skin tone glasses have the same effect on the face in the same way. Having nude glasses is the fastest way to upgrade your looks especially in the shade of honey, blush, whiskey, or amber that are close to your natural skin tone. Find the one that suits you best as per your face shape and tone.

Dress Age-Irrelevant

Did anyone tell you that you can’t wear a black fisherman cap, T-shirt, slouchy army green cargo pants, black fisherman cap, and your hair in a tousle? You are not bound to follow a particular dressing style just because of your age. style the way you want from classic to casual, celeb-like, a little cooler, Sharon stone, robin wright, and Calista Flockhart.

Switch To Black Jeans

Black jeans sharpen your look and add an urban edge to your personality. Black color looks dressier than blues that can substitute for real pants. Use the sweater, black t-shirt, jacket, and black booties with the black pants to follow the strategy of being polished and pulled together. Select the black velvet jeans for having the effortless glam this year.

Get A New Daily Hobo Bag

Prefer to have a medium size bag over the small handbags, get the one with the natural leather is a soft color that is flexible enough to carry all your items even your smartphone, iPad, and Kindle. You can keep this bag on your lap while traveling as it is not safe to hang on the shoulder. Make sure to have a full zipper closure, have a bunch of pockets, and one outer pocket to hold keys and other handy things.

Hopefully, you found the mentioned tips helpful to enhance your overall look. Do not let yourself down due to growing old, you are beautiful and feel this. Once you start valuing yourself you can easily enhance the beauty of the overall personality.

 

The term intelligence is very common as we hear it on the daily basis for different scenarios. But do you know what does it mean in reality? It is the ability to think from diverse mindsets, learn from experience, solve problems, and to gee new situations. The intelligence quotient (IQ) is considered the tool to measure intelligence according to the adjusted age. The most widely used IQ test for adults is the Wechsler Adult Intelligence Scale (WAIS).

Human intelligence consists of plenty of abilities like meat quality, observing and handling abstract concepts, and utilizing knowledge to manipulate the environment. This is the exciting side for the investigator to find the exact definition of intelligence. There are different opinions of investigators regarding intelligence. The most agreed perception of intelligence says that adaptation to the environment is the key to intelligence.

Measuring Intelligence: Standardization And The Intelligence Quotient

The objective of the intelligence test is to measure the intelligence factor in the person. Good intelligence tests are trustworthy, meaning that these tests are used to construct validity and measure intelligence rather than something else. Intelligence is one of the important differences of individual personality that is the reason that psychologists are investigating more accurate tests to evaluate accurate intelligence.

The level of intelligence of the human changes with age, as the three-year-old kid can easily multiply 195 by 34 is considered as intelligent but the 24-year-old who is unable to do so would be seen as unintelligent. Therefore, it is important to know the norms or standards to understand intelligence in the given population of people at a particular age. The standard of the test includes giving the task to a huge number of people of dissimilar ages to compute the average score on the test at every level.

Indeed, the intelligence tests must be standardized daily because the level of intelligence can be changed entirely in the population with time. Once we have the standardization of the test, we can get a clear picture of the average abilities of people of different ages.we can compute the exact mental age of the person and compare it with the real age.

The comparison of a person’s chronological person with the mental age is the measure of intelligence that is adjusted for age. The most simplistic formula is:

IQ = mental age ÷ chronological age × 100.

The most widely used intelligence test WAIS-IV consists of 15 different tasks, every task is designed to assess intelligence that includes spatial ability, arithmetic ability, working memory and general knowledge regarding the world. The score of WAIS-IV measures 4 major domains that are perceptual, working memory, processing speed, and variable. This test generally shows the correlation with the measures of daily functioning among the mentally retarded. If you want to measure your IQ level then you need to appear for such an intelligence test to check your mental ability as compared to the chronological age.

Are you new to the money market and want to know the concept of a money market mutual fund? If yes, then you are at the right spot. In this blog, we will discuss the short guide. These are fixed-income mutual funds that invest in debt securities categorized by minimal credit risk and short maturities. These are considered among the lowest volatility kinds of investment. The income is either tax-exempt or taxable generated by the money market, depending on the nature of the security of the investment.

There are three categories of money market funds based on investment according to the regulation from the US: prime, government, and municipal. Securities and exchange commission (SEC) further categorized the municipal and prime funds as retail and institutions in the fund.

Types Of Money Market Funds

The money market mutual funds have federal regulation to be very high in credit quality and short in maturity. The money market funds have complied with sector-specific regulatory requirements about the maturity, quality, maturity, and diversification of the investment in funds. These investments include repurchase agreements, short-term treasury securities, Eurodollar deposits, treasury security, corporate commercial paper, certificate of deposit, and obligation of states, and other kinds of municipal agencies according to the focus of the fund.

Retail And Institutional Prime And Municipal Money Market Funds

The policies and procedures of retail prime and retail municipal money market mutual funds are designed to limit all beneficial owners to natural persons. These funds need to maintain the stable net value of $1 but are subject to redemption gates and potential liquidity. For example, if the liquidity of the funds falls then there may be a fee imposed on the sale of your share or can be temporarily suspended. the government money market mutual funds are available to both institutional and retail investors such as US treasury funds.  These Are not subject to any kind of floating NAV redemption gates.

If you are planning to invest in money market mutual funds then:

• You may have a goal of investment with short term horizon
• You don’t have much tolerance about volatility and looking to diversify with more conservative investment
• You may be looking for an extremely liquidate investment
• Whereas the rates of money market mutual funds are much lesser than other types of fixed income funds like bonds, they are known to provide stability and play a significant role in your portfolio. There are different ways of money market mutual funds that can be used by the investors:
• To equalize the typically superior instability of equity and bond investments
• The short term investment for assets that can be withdrawn for the emergency fund
• For the holding place for assets to wait for the better investment opportunities to have

Advantages Of Money Market Funds

Stability

You will find the money market mutual funds as of the least unstable type of investment

Liquidity

These investments are considered high in liquidity as compare to other investments as these are available to the very next business day

Security

These funds are regulated by the federal government to invest in low-risk investments and short maturity that make them less prone to the fluctuation of the market.

Short duration

The money market mutual funds are generally short term securities so the duration is small, so the interest rate is low