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AdSense users are up for some "I Agree" clicking in the near future, if they want to continue using Google’s service, as one of the general changes in the terms and conditions is looming around the corner. The development of the Internet, Web 2.0 alongside it, is constantly demanding new technologies and services to be pushed up front by every company in order to keep up with the times and trends.

The upcoming changes are Google’s way of making sure that there’s no
legal ambiguity between any aspects of the AdSense program, and furthermore to assure that every possible aspect of the projects in development is already covered when they hit the Web.

Two broad categories will be targeted by the new rules and regulations. The first has the future products and features at its core, and this comes right as the DoubleClick acquisition will finally receive the big OK from the European Union regulators, the last to have second thoughts about the non-monopolistic approach to advertising that Google is hinting at. Upcoming ad formats and mediums are the ones pointed at, such as Gadget Ads, which offers the option to deliver the Mountain View-based company’s money-making content offline.

The changes to this section aren’t grand in design, just re-writes of the old terms and conditions designed to cover the possibility that future products be priced, paid or managed differently than the current ones, Julie Beckmann, AdSense Publisher Support, writes in a post on the Google AdSense Blog.

Category number two includes the troublesome privacy requirements, an area Google has always had problems with. Just last week, the EU Article 29 Working Party announced that Search Engines have to shorten the time the cookies are active, among other things. Right in the heels of this decision, the announcement about the update to the terms and conditions comes as a natural next step. Publishers will be obliged to notify their users about all the data-collecting beacons and cookies delivered in the ad-serving process, Beckman points out.

The changes don’t limit to those mentioned above and the whole process is long and tiring. However, reviewing the updated information is a must for AdSense publishers, if they are to keep using the product and services abiding the law. There's no need to skim through the modifications though, the date until they have to be accepted (or not) is the 25th of May.

Post Taken from:-http://news.softpedia.com/news/AdSense-Terms-and-Conditions-Updated-79621.shtml

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As we probably know, a mutual fund is an investment that pools together money from a number of investors. It then uses professionals to manage and invest this money with the aim of achieving a return.


The mutual funds industry is regulated by the Securities and Exchange Board of India. Here are some terms that one needs to understand-



1. AMC
An Asset Management Company is the fund house or company that manages money.

The mutual fund is a trust registered under the Indian Trust Act. It is initiated by a sponsor. A sponsor is a person who acts alone or with a corporate to establish a mutual fund. The sponsor then appoints an AMC to manage the investment, marketing, accounting and other functions pertaining to the fund.

For instance, ABN AMRO Trustee (India) Private Limited is appointed as the trustee to the ABN AMRO Mutual Fund. ABN AMRO Asset Management (India) Limited is appointed as its investment manager. Various funds with different objectives can be floated under the umbrella of one parent. So ABN AMRO Equity Fund, ABN AMRO Opportunities Fund and ABN AMRO Flexi Debt Fund are all independent schemes of ABN AMRO Mutual Fund. They are managed by the ABN AMRO AMC.


2. NAV

The Net Asset Value is the price of a unit of a fund. When a fund comes out with an NFO, it is priced Rs. 10. Later, depending on the value, of the investments, this price could rise or fall.

3. Load

This is a fee that is charged when you buy or sell the units of a fund. When you buy the units of a fund, you pay a percentage of it as a fee. This is known as the entry load.

For example, one is investing Rs. 10000 and the entry load is 2%. That means he pays Rs. 200 as the entry load and Rs. 9800 is invested in the fund. Now assume, he is selling the units of his fund. And the Rs. 10000 he invested initially is now Rs. 15000. Let’s further assume the exit load is 2%. So he pays Rs 300 and gets back Rs. 14700. Generally, if funds charge an entry load, they will not charge an exit load. Or vice versa. Only one of the loads is charged. The load is a percentage of the NAV.

4. Portfolio

This is a term given to all the investments made by the fund as well as the amount held in cash.

5.Corpus

Let’s assume a very small mutual fund has an initial investment of 1000 units and each unit is worth Rs. 10. Hence, the total amount with the fund is Rs. 10000. This is referred to as the corpus. Later, some other investors invest Rs. 2000. Now the corpus will be Rs. (12000 (Rs. 10000+ Rs. 2000). The total amount invested is called the corpus or the total amount of money invested in the fund.

6. AUM

Assets Under Management is the total value of all the investments currently being managed by the fund. Let’s say the corpus is Rs. 12000 but, due to a rise in the price of the shares it has invested in, the value of the units has increased. So the Rs. 12000 invested is now worth Rs. 15000. This figure is referred to as AUM.


7. Diversified Equity Mutual Fund

This is a mutual fund that invests in stocks of various companies in various sectors.


8. ELSS

Equity Linked Saving Schemes are diversified equity mutual funds with a tax benefit under Section 80C of the Income Tax Act. To avail of the tax benefit, your money must be locked up for at least three years.


9. Balance Fund

A fund that invests in both equity (shares) and debt (fixed return investment) is known as balance fund.


10. Debt Fund

These are funds that invest in fixed return investments like bonds. A liquid fund is one that invests money in market instruments; these are fixed return investments of a very short tenure.


11.NFO

A New Fund Offering is the term given to a new mutual scheme.

12. SIP

A Systematic Investment Plan refers to periodic investing in a mutual fund. Every month or every three months, the investor will have to commit to putting in a fixed amount. This will go towards the purchase of units. Let’s say every month you commit to investing, say Rs. 1000 in your fund. At the end of a year, you would have invested Rs. 12000. If the NAV on the

Source:-Rediiff.com