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What is Debenture? Debentures are long-term loans issued by corporate firms and governments to raise capital. For example, governments may, the government may raise money for building roads by issuing debentures. In such a case, those who buy the debentures are creditors, not shareholders. Like bondholders, debenture owners may also get interest on their investments. However, this is only the case with some types of debentures. The interest rate is also known as the coupon rate in the case of debentures and these rates are either fixed or floating in nature depending on the nature of debentures. Debenture holders cannot ... Read More
Introduction The central banks of all countries form monetary policies to control the availability of liquidity in the markets according to the economic situation of the nation. The repo rate is probably the best of these policies that control the money supply to the secondary banks in an economy. The repo rate is the most influential tool in the hand of the authorized banks to maintain the day-to-day liquidity in an economy. It must be noted that commercial banks in which consumers deposit their money are secondary banks that run for profit. These banks borrow money from the central bank, ... Read More
What are Retained Earnings? Retained earnings or earnings surplus are part of the profit of an organization that is not distributed among shareholders as dividends. These are used for working capital requirements and can also be used to pay off any debt the company may have. Retained earnings can be found on the balance sheet under the item called shareholder’s equity. Usually, companies retain the profits if there is an opportunity to earn more profits by reinvesting the profits in some other initiatives. In such cases, the companies keep the profits for investment in more profitable projects so that they ... Read More
What is Reverse Repo Rate? The Reverse Repo Rate is the interest rate at which the Central Bank of India, the Reserve Bank of India (RBI), borrows money from commercial banks for a short term. The reverse repo rate and repo rate form a pair of important monetary tools for controlling market inflation and liquidity. It must be noted that the repo rate, which is opposite to the reverse repo rate, is the interest the commercial banks pay to RBI when they borrow money from the latter for a short term. Banks also voluntarily park their excess money at ... Read More
The term "Artificial Intelligence" has long been popular in every field. Whether it is content creation, data analysis, or image generation. The industry of software and web development is not an exception as well. There are rumors that the nature of developer work will fundamentally alter as a result of the introduction of AI technologies like ChatGPT and GitHub to the market. But how? In this article, we will be talking about the same. We'll go through how AI adoption is changing the nature of developer jobs and how it will affect job security as well. So let's get ... Read More
ChatGPT is a hot topic across all industries, let's talk about the best uses of this AI tool for developers today. It is an OpenAI long-form question-answering AI with a Generative Pre-trained Transformer that responds to challenging queries. An interesting new technology is being taught to understand questions asked by individuals and provide an answer. In November 2022, OpenAI released ChatGPT, a chatbot with a strong language model. This language model can answer your questions and help you with coding, email generation, essay writing, and other tasks. Changes in Software Development Process because of ChatGPT The software development process ... Read More
Introduction Whisper, OpenAI's most recent project, is about changing how voice technology works. Its impressive text-to-speech feature makes the machine sound like a natural person. Whisper can be used for anything, from voice assistants to podcasts. Fiction brings the magic of words to life, and its future looks bright. The Voice Revolution Through OpenAI Whisper With OpenAI Whisper, sounds are the key to getting into virtual worlds and using mesmerizing tones to draw people in. This state-of-the-art text-to-speech system goes above and beyond regular voice synthesis. It can correctly imitate human speech patterns, intonations, and emotions. Whisper gives life to ... Read More
Due to the introduction of ChatGPT by OpenAI, the internet is currently overgrown by various types of AI chatbots. The majority of these chatbots are used to help human workers. They are inserted into a different website and serve the purpose of giving the user the answers. The majority of these AI chatbots are fantastic because of recent technological developments. But not all of the AI chatbots in use today are designed to help us. ChaosGPT, one of the AI chatbots, hates people and wants to destroy them. What is ChaosGPT? The Auto-GPT large language model (LLM), based on GPT-4 ... Read More
The runway success of Chat GPT mentioned all the endless possibilities of AI tools. AI technology has been welcomed by millions of users, who are using it to create wonders. When the world was unable to overcome Chat GPT's charm, Auto GPT with its variety of technology came crashing in. Want to learn everything about Auto GPT? You will receive everything that you need from this article. What is AutoGPT? Based on the GPT-4 language model, Auto-GPT is an experimental open-source autonomous AI agent. In order to achieve a broad objective stated by the user, Auto-GPT automatically links together ... Read More
The idea that AI is going to replace humans is not new. Our culture has constantly valued how technology could turn against us or completely replace humans. All of that, though, was before ChatGPT came to town and began to make this fever dream become reality. While we are not quite there yet, ChatGPT and AI in general may be on the way to changing humans entirely in some situations and taking over some jobs. So, is "Skynet" age finally here? Let's discuss the fields that ChatGPT or AI is most likely to take over. Jobs that ChatGPT can ... Read More