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We all have been hearing the word INFLATION here and there for a while now. Now, what is inflation? In layman’s terms, when the demand is more than supply, it leads to increase in the prices.

Normally, to attain the demand and supply equilibrium, interest rates are increased. US Federal Researve did something like that to fight inflation.


The Federal Reserve tries to cool an overheating economy by raising interest rates. The US Federal Reserve has raised its short-term borrowing rate by 75 basis points for the fourth time in a row, leaving stock markets around the world high and dry. This raises the key repo rate to 4%, the highest level since January 2008, and is a direct result of this action. It is anticipated that there will be one more increase before this year because the US central bank has promised to keep rates high until inflation returns to normal ranges.

This increase in the repo rate was highly anticipated given the country's extraordinarily high and persistent inflation rate, but it hasn't gone over well with international investors, who are forecasting additional sluggish and subdued economic development and job creation.

Jerome Powell, the chairman of Fed, has made it seem as though the US central bank may not pause its cycle of tightening monetary policy any time soon and that its strong battle to fight inflation may continue despite the unpleasant consequences.

The Federal Open Market Committee declared that the rate increase was necessary to bring inflation to 2% in a statement following a two-day meeting. To determine whether the Fed will decrease the pace of rate rises or not, all eyes will be on its next meeting in December.

Following the Fed's announcement of the rate hike in February, the Dow Jones Industrial Average fell 1.5%. Important equity indices in Asian markets also continued to decline, and there is a distinct sense of concern about where these economic difficulties will lead us globally. Certain industries, such as those in the consumer goods, necessities of daily life, and industrial products sectors, which do not depend on economic development, may be well-positioned for future success by making credit more expensive and difficult to obtain. Additionally, businesses that don't rely on debt-fueled growth and don't need expensive outside financing for expansion, can see growth with increasing interest rates.

Many investors think that growth stocks become less attractive as interest rates rise because their capacity to secure low cost debt financing is more challenging and their long-term discounted cash flow is diminished.

Effects on Stocks:

The stock market may suffer from higher market interest rates. A significant sell-off in the stock markets has been driven by the Fed's implied warning that repo rates may be higher than anticipated and for a longer period of time than anticipated.

The cost of doing business rises for public (and private) enterprises when the Fed increases interest rates. Public companies' revenues and profitability may decline over time as a result of increasing costs and may result in less business, which could affect both their growth rate and stock values.

Increases in Fed interest rates have a more direct impact on investors' psychological perceptions of the market. Speculators may sell off equities and shift into more defensive investments when the Federal open market committee (FOMC) announces a rate hike.

Effects on Bonds:

There exists a negative relationship between Bond price and Interest rate. Changes in interest rates affect bonds strongly.

Existing bonds' market prices automatically fall when the Fed raises interest rates. This is because there will soon be new bonds that give investors higher interest rate payments that will enter the market. Existing bonds' prices will decrease to reflect the higher average rates, making investors more interested in their relative lower interest rate payments.

The Effects Of Higher US Fed Interest Rates On The Indian Market

• When interest rates are raised in the US, markets around the world are impacted, not only in India. First, rate increases because foreign investors withdraw their money from Indian stock markets since such markets become much less alluring to them.

• The rate increase also has a favorable effect on the yield on US treasuries, which encourages international investors to withdraw their funds from Indian markets and invest them in their home countries.

.A rise in interest rates would make the rupee less valuable relative to the dollar. Once again, this would result in poorer investment returns for international investors.


To conclude, An increase in interest rates in the US has a detrimental effect on the economy and markets in India. The rupee weakens against the dollar, foreign investors leave the market, and foreign exchange reserves start to fade.

The US Fed's interest rate adjustments don't happen suddenly. Therefore, information about every substantial action the Federal Reserve is planning to take begins to circulate in the markets months before the Federal Reserve gives it the go-ahead.


The transition from high school to college marks the end of teenage and the beginning of adulthood. Some aspects of life remain similar while others change significantly. Talking about similarities,class structures, examinations, homework, and social lifeare experienced at both places but on altogether different levels. The additional baggage comes in the form of workload, guiding principles, freedom, and extent of personal application.

One of the main differences between high school and college is freedom - freedom relating to taking decisions and managing things on your own. There is an increase in the academic workload, a greater need to multitask and balance coupled with a myriad of new social opportunities and challenges. Thus, having a certain skill set becomes quintessential.


Create a weekly schedule for classes, studies, activities, work, meals, studies, and time with friends. Being a student is like having a full-time job. Each class requires several hours of study and preparation. If you want to be successful in life, you have to manage your time. A person should eliminate unnecessary activities from his daily schedule. should be done on weekends. You should keep in touch, especially on weekends. Plan your travel time. This ensures accuracy. It may seem simple, but effective time management requires good human qualities. There's a lot going on there. You should always be reminded why it is important to be disciplined and complete tasks on time


Stress is a very complex phenomenon and can be defined in many different ways. But when you put them together, it's basically everyday wear and tear. Stress management refers to a wide range of techniques and psychotherapies for controlling a person's stress levels, especially chronic stress. With effective stress management, we can help each other de-stress in our lives. Regular exercise, good rest, good nutrition, prayer and/or meditation can all help It has been suggested as a way to take care of yourself and reduce stress. Finding ways to increase coping resources can help students reduce the stressors life throws at them.


Every day we use money for groceries, gas, utilities and other subscription consumption. Students studying at college or university need to be aware of their finances to avoid depleting their wallets and savings. Therefore, students should handle money wisely. There are several methods students can use to manage their money. It's important to have the experience of managing your money independently, balancing your checkbook, using an ATM, reading your bank statement, and learning how to make responsible decisions about living on a budget.


Assertiveness is a unique tool for any manager’s toolbox or for anyone who can apply it in their daily lives. Assertiveness allows one to express true feelings or emotions and personal rights, as well as the rights of others. Assertiveness is for the most part is straight forward, honest and identifies personal needs to another person. There are people that have a knack for assertive communication where others can develop there own style as a learned behavior. Assertiveness skills are helpful in roommate communication, study groups, teams and conflict resolution. They also involve learning and practicing healthy boundaries.


Also known as “relationship building,” networking happens every day in our interactions with others. Good networking skills can help you find a job and build strong interpersonal relationships with co-workers. Your college years can offer lots of opportunities to learn relationship-building skills. For example, you can ,join a club or organization, attend professional conferences, interact with other department students


It's important to work effectively and well in collaborative teams, collaborate on projects, and be open to constructive criticism when working with others. Self-successful people struggle to get in and out of college because much of the work requires collaboration. There are many ways to develop the skills needed to effectively collaborate with others and participate in athletics and extracurricular activities. You can also work on team his projects such as volunteer work throughout the semester.


As a student, you will encounter a number of unexpected challenges. You must be able to solve problems creatively and find solutions to problems . Students who are accustomed to learned processes, and who cannot occasionally veer off-course, will struggle to handle unanticipated setbacks. You can improve your problem-solving skills by enrolling in courses that use active learning experiments instead of memorization. You should also try new activities that create unfamiliar and awkward situations, such as joining a student council or volunteering.


While it is important to be able to function in a group, it is also important to demonstrate leadership skills when necessary. Both in college and the workforce, the ability to assume the lead when the situation calls for it is a necessity for anyone who hopes to draw upon their knowledge of “hard” skills in a position of influence.

The best way for you to develop leadership skills is to search for opportunities on your campus and community. This could include becoming involved in student government, organizations, or volunteering.


To sum it all, it is more important than it actually seems. Explore as much as you can. It is what makes you differentiable from others. You have to make up your mind and balance your academics with the skill set you are pursuing to learn. Afterall, academics no doubt matters.

As per the popular saying, “An artist is not the one who makes art but the one who balances the interests with necessities". Here, we are talking about students - the real life artists. All you need to do is to be the artist of your own world, design & color it as per your choice - and there is a masterpiece!


1. Indian refiners are looking to buy more Russian crude at the last minute, weeks before new sanctions take effect.

At least four companies are looking for Russian cargo that can be loaded by December 5 and unloaded by January 19, according to a person familiar with the matter. That time frame coincides with the grace period given to oil purchases as part of US-led measures to limit Moscow selling prices.

2. HDFC Bank, Canara Bank Get RBI Approval for Rupee Trade with Russia

The Reserve Bank of India (RBI) has granted HDFC Bank Ltd and Canara Bank Ltd permission to open a special "vostro account" for Rupee transactions with Russia.

This opens the door to cross-border trade in Indian currency, particularly between New Delhi and Moscow. The central bank had put in place a new system for settling international trades in rupees. The mechanism, which allows for the invoicing, payment, and settlement of exports and imports in rupees, is intended to encourage trade. It would also limit dollar outflows at a time when the local currency is falling in value.

3. Novak Djokovic clinches men's single 2022 ATP Final

Serbia's Novak Djokovic has won the men's single ATP Finals (2022) title after defeating Norway's Casper Ruud.In the summit match, Djokovic defeated his opponent by 7-5, 6-3.

He has now matched the record of Swiss legend Roger Federer, who has won six ATP titles.

He has won the ATP finals in Turin, Italy in 2008, 2012, 2013, 2014, 2015, and 2022.

4. Elon Musk brings Trump back

Recently, Twitter CEO Elon Musk polled followers on whether former US President Donald Trump should be allowed to rejoin Twitter.

He also conducted a survey asking the same questions of users. Nearly 15 million Twitter users cast their votes in favour of Trump's return to the service. Trump would be reinstated, according to the latest tweet by Musk. Trump's Twitter account is now operational once again.

5. Russia breaks China's monopoly in the Indian market

During the first half of the fiscal year, Russia surpassed China to become India's top fertiliser supplier as the nation gave discounts over market pricing globally.

India's purchase of fertilisers from Russia increased by 371% to a record 2.1 million tonnes in the first half of the year, which began on April 1.


Shivam Saini - Newsletter Head

Kashish Soni - Newsletter Head

Ananya Dutt - Volunteer

Saksham Bachwani - Volunteer

Sobhit Agarwalla - Volunteer

Mohit Dua- Volunteer

Tanya Pandey - Volunteer

Raghav Mehra - Volunteer

Nityam Pal - Volunteer

Atishay Jain - Volunteer

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