RSPH Blogs - Finances!

  Today we are going to learn about what the major differences between an Investment Bank & a Commercial Bank are! You know they are both Banks; so it ain't unnatural to confuse 'em! But; so today we'll make it clear specifically about the way each bank functions! I recently wrote an article on How Investment Banks works & also How Banks works! Read:  How Do Investment Banks Works? Also Read:  How Do Banks Works? Today, we'll do the comparison among the 2 & find out what are the major differences between an Investment Bank & a Commercial/Common Bank! So, here we go; First of; talking 'bout what do they do; So; Investment Banks tends to help businesses to find investors,.... so they are basically the middlemen in this case! Also; Investment Banks tends to help Businesses in merger & acquisition of other Companies or Businesses. Commercial Banks on the other hand; give out loans to people; make transactions like transferring money & stuff. They...

  CDO's & CDS have played a vital role in The Great Recession. I've discussed 'bout this alot in alot my recent articles.... Here are a few: The 2008 Crisis//The Great Recession! Case Study! Everything You Need To Know Explained In Simple Terms! How Do Banks Works? Lehman Brothers Bankruptcy! Case Study! (Upcoming on— 2nd June 2022) [STAY TUNED!!!!] Today, we'll talk about, the role CDO's & CDS played & specifically of, If CDO's & CDS were the one's that caused the Great Recession.... But before that, I'll first talk about what CDO's & CDS really are...., But if you already know what they are then you might click here & skip to the part of the article where I'll discuss about, If CDO's & CDS were the real cause of The Great Recession?! So; let's now talk about.... What Are CDO's & CDS? Let's start from the very beginning! So; it was the time period of early 2000's; the Dot Com Bubble had just bu...

  What Are Investment Banks? An Investment Bank is basically such an organisation that tends to work in partnership with various businesses & help'em fulfill their financial needs by being fully responsible for the Risks, involved in the process of collecting the capital. *This entire definition will make a lot more sense by the end of this Blog!* Okay! So, now let's straight up talk about what do they really do & how do this entire system works.... So here we go; What Do Investment Banks Do & How Do They Work? Let's get an overview of what really happens.... Well, now just think that there is a Company willing to raise funds, faster! & so the Company can go to an Investment Bank & ask it to find investors for the Company. & so, the Investment Bank will basically find a good Investor for the Company. & it'll ensure both of them that, the seller will sell & the buyer will buy ---- taking onto the risk & by being a part of the process. ...

How Do Banks Works? Banks are said to be one of the most powerful financial bodies as they hold the power to change the look of the Economy by various means! Have you ever wondered, how exactly do these Banks really work? ---- How & also Why would they pay 'US' interest? How is paying Us interest beneficial for them? & how do Banks earns, themselves? So, here's an overview of the entire Banking System, answering/covering all the above mentioned questions! So; Banks basically tends to collect money from common people & actually we are the one's to deposit money for various reasons; now, it can be to keep our money safe &/OR simply to earn some interest on our money! ---- Banks don't really come asking for the money; We are the one's to go to'em. & after depositing the money if we don't withdraw the money from the Bank for 1 year than we get; let's say 4% of interest, on that. But how & why.... So, here's what really happene...

  What Is Fiat Curency? To understand what really fiat currency is.... We'll first have to go way back to the first ever monetary system & discuss about the evolution of Money! So, here we go; If we go all the way back, to discuss 'bout the evolution of money than we'll get the Barter System as the very first means of Exchange/let people buy anything they desired. So, Barter System was kind of like— one person who have a bag of rice & wants a pair of shoes than that one person have to find someone who is willing to giveaway a pair of shoes for that rice bag. By just thinking a bit 'bout the Barter System.... you may have already realised, that this wasn't the best means of exchanging/getting or buying the things one wanted. You know it wasn't that accurate & infact, it was very difficult to find such people who were giving away stuff in return of stuff one actually wanted & AT THE SAME TIME, the other person willing to take the same stuff provide...

  Basics of FMCG: FMCG Stocks What Does FMCG Stand For? FMCG stands for Fast-Moving Consumer Goods. What Kind of Sector Is FMCG? FMCG is one of the largest sectors in the economy. What Do FMCG Companies Make? FMCG companies manufacture relatively inexpensive products — but sell them in very large volumes, which is where the "fast-moving" part of the name comes from. Examples of FMCG Companies FMCG spans categories like food, household goods, and pharmaceuticals. Nestlé is a well-known example of a major FMCG company. How Do FMCG Stocks Perform During Inflation? FMCG stocks tend to hold up comparatively well during periods of high inflation. Even as prices rise, demand for these products stays relatively stable, since they're everyday necessities — people generally can't simply stop buying groceries or household essentials the way they might delay a bigger, non-essential purchase. → Related: How Does a Rise in Inflation Affect the Share Market? (#55) Than...

  How to Become a Stock Broker: Basic Requirements Considering a career as a stock broker? Here's a look at what it typically takes to break into the field. Note: this is based on independent research and reflects general, commonly-cited requirements — it isn't legal or professional guidance. Requirements vary meaningfully by country, so always confirm the specifics with your own country's capital market regulator before pursuing this path. Common Requirements (India, as an Example) Since requirements vary significantly by country, here's a general picture based on India's framework, where the process is fairly well documented: Educational background : at minimum, having passed 12th grade (10+2), though most brokerage firms strongly prefer — and often require — a bachelor's degree in finance, commerce, economics, or a related field. Minimum age : typically 21 years old. Certification exams : candidates generally need to pass relevant certification exams (in I...

  What Do Sponsors Get in Return? Ever wondered why YouTubers, social media influencers, and even bloggers so often promote other companies' products? Or why nearly every show today is "in partnership with" or "sponsored by" some brand? We see company logos on screen, and in sports, players wearing jerseys branded with a sponsor's name. Let's break down what's actually happening. Worth being clear upfront: everyone involved is making a profit — the company, and whoever's promoting their product. Why Do Companies Sponsor Creators? Say a company is relatively new and not yet well known. It might already run billboards and traditional ads, but it wants to build brand awareness faster — so it reaches out to YouTubers, bloggers, and influencers who have a solid audience, specifically one that matches its target audience . "Right target audience" means exactly what it sounds like: a fashion brand, for example, will reach out to creators who...

  Why Is It Important to Be Rich? How Can You Get There? Regardless of someone's background, gender, or interests — whether that's cooking, art, or anything else — most people share a few common desires: respect, independence, adventure, and joy. And while money can't buy happiness outright, it's a powerful tool for building the kind of life that makes happiness more achievable. Today, we'll cover why building wealth matters, and share some real ways to think about generating money consistently, so you're never caught short. Wanting Money Isn't Greed There's a popular saying: "money can't buy happiness — but I'd rather be unhappy in comfort than unhappy without it." It's a bit cynical, but it points at something real. Wanting to achieve financial freedom through hard work isn't greed. Greed is closer to the opposite: earning without willingness to work for it, or spending on things you don't need to impress people you don...

What Is Inflation? What Causes It? (A Brief History of Money) What Is Inflation? Inflation is the economic phenomenon where the value of money decreases over time, as the cost of living rises — meaning the same amount of money buys progressively less than it used to. A Brief History of Money To understand inflation, it helps to understand where money itself came from. This is the popular, commonly-told version of that story — worth noting upfront that economists and anthropologists actually debate how literally accurate parts of it are, particularly the idea that a formal barter system was the direct historical precursor to money everywhere. Some researchers argue early economies more often ran on credit and informal debt tracking rather than literal one-for-one barter. That said, the broader arc — from physical commodities, to coinage, to paper money — captures something real about how monetary systems evolved. The Barter System: the earliest widely-discussed method of exchang...

  What Is GDP (Gross Domestic Product)? How Is It Calculated? What Does GDP Stand For? What Is GDP? GDP stands for Gross Domestic Product — the total value of all goods and services produced within a country over a specific period, typically measured annually. Add up everything produced domestically — goods like cars, bikes, and clothes, alongside services like healthcare, education, and other professional work — and the resulting total is a country's GDP. Only production that happens within that country's borders counts. Why Does GDP Matter? GDP is essentially a measure of how strong an economy is. The higher a country's GDP, the more it has produced in goods and services over that period — generally indicating a stronger economy. GDP affects everyday life in real ways. A shrinking or consistently declining GDP can signal a weakening economy, potentially leading toward a recession or broader financial difficulty — with tangible negative effects on jobs and incomes...

  How Do DPs & Stock Exchanges Earn Money? Sources of Income of These Major Financial Bodies Everyone in the share market shows up with the same basic motive: earning a profit. And that applies to the institutions running the show too — nothing operates for free. It always costs something, whether that's money or time. Depository Participants (DPs) and Stock Exchanges both play a central role in how the share market functions. Ever wondered how they themselves make money? Let's break it down. → Related: What Is the Share Market? (#2) — for more on how DPs and exchanges fit into the bigger picture. How Do DPs Make Money? If you're not familiar with the term: a Depository Participant is what you use to open a trading account — a bank, a broker, or (most commonly today) a trading app. DPs charge brokerage fees on every trade, with different rates for Intraday versus Delivery transactions. Different DPs set different pricing structures, and this fee is their primary in...

What Makes Currencies Weaker or Stronger? Major Factors Affecting a Currency's Value Currencies of different countries hold different values relative to one another. As of mid-2026, for example: $1 (USD) ≈ ₹95.7 €1 (EUR) ≈ ₹110 £1 (GBP) ≈ ₹130 C$1 (CAD) ≈ ₹68.7 (Exchange rates shift daily — treat these as a rough snapshot rather than a fixed reference point.) Ever wondered why currencies are valued so differently — or what would happen if they all became equal overnight? Let's dig into both questions. What Makes Currencies Weaker or Stronger? There are several major factors that determine a currency's value. Let's walk through them. Demand & Supply This is the core factor behind the price of anything that isn't fixed — shares, currencies, and similar assets. When demand for something rises faster than its supply, its price rises. When supply outpaces demand, price falls. Currencies follow the same principle. A quick primer: Export = selling to oth...