WEALTH CREATION AND WEALTH MANAGEMENT

HISTORY OF GOLD PRICE

2012-01-16T18:15:00.004+05:30

Did you notice the GOLD price jumped erotic from 2005 onwards...Can any one tell me the solid reason behind this aggressive rise??

SMART Way To Achieve Financial Goals

2011-11-10T11:33:00.001+05:30

Where will you be FINANCIALLY five years from today?

The financial secret of moving from where you are and where you want to be?

Would you like to know the financial secret behind moving from where you are and where you want to be? Try to answer this question. “Where will you be financially five years from now? 10 years from now…? 20 years from now…?”

You may get answers like “I will be financially stronger”, “I want to be financially better”. Are these answers specific? If you don’t know where you want to go exactly, there is no focus. When there is no focus; there will be lot of distraction. Distraction either leads to mediocrity or destruction.

How to refrain yourself heading towards mediocrity or destruction? You need to set Specific, Measurable, Achievable, Realistic and Time bound Financial Goals. That is S.M.A.R.T. Financial goals.

Let me take you through step by step to set SMART Financial goals.

· 1) List down Financial Goals:

Write down all your financial goals like buying a house, kid’s education, Vacation, Retirement and so on. You may wonder why this mechanical act of writing financial goals is so important. You can be thinking something without actually realizing what that something is. It is intangible and so it is not clearly defined in your mind.

When you start putting that thought into words and you try expressing it, an amazing thing begins to happen. By creating it in words, that abstract thought now takes on body, shape, form, substance. It is no longer just a thought. It becomes something which motivates you, or creates a gut feeling inside.

Your dream becomes a goal the moment you write it down. Say one of your dreams is to buy a house. You dream about it a lot. But the moment you started writing it down, your mind will ask yourself “when, where, how many square feet, how many bedrooms?” This writing gives clarity to your goal and it forces your mind to find out the ways and means to achieve the goal.

· 2) Categorize and Prioritize:

You need to categorise your financial goals based on the timeframe. Generally the financial goals less than 3 years are short term financial goals. The goals to be achieved in the next 4 to 7 years are medium term goals and the financial goals to be achieved after 7 years are long term goals. This categorization will help you in building a roadmap to achieve your goals and also in selecting the right investment products.

Your daughter’s wedding would be more important to you than the international vacation. Buying a house is more important than buying a farm house. This prioritization will help you in creating a better financial plan. Suppose if you are in deficit, you know which financial goal need to be compromised and which are all the financial goals you want o achieve irrespective of the deficit.

· 3) Fixing a target date:

Fixing a target date for your financial goals may look like a dump idea. How do I know in advance the date of buying my house, the date of my daughter’s wedding? But if you are not fixing it, then you will not be financially prepared for that. If you are financially prepared and the goal event is not taking place at that time and getting postponed for some reasons, you will not have any financial worries. You will be financially ready from thereafter with on enough money to meet that goal.

Fixing a target date will psychologically influence your thought process to work on that goal. Also the moment you fix the target date your mind starts running a countdown. Only when you know that after how many years from now you want to achieve the goal, you will be able to make a financial plan.

· 4) Estimating the cost:

First you need to estimate the cost as of today. If you are planning to save for your daughter’s wedding which is expected to take place after 10 years, first you need to calculate the cost of the wedding in today’s prices. Then you need to adjust it for inflation of 10 years. Now you will have the future value of your target.

· 5) How much to save?

Once you have found out the future value of the goal, you can easily decide on how much you need to invest in order to reach the targeted future value. Initially you may only be able to contribute less. But year after year you can increase this contribution based on your increment/promotion/income growth.

So you need to take into account the expected growth rate on your salary or business/professional income in calculating how much to save towards each and every financial goal.

· 6) Budget the savings:

As you know by now exactly how much to save towards each and every goal, you need to accommodate these savings in your budget. If you do this year after year, then you can see all your financial goals becoming reality. The difference between a goal and a dream is the written word. I am confident that you will come to find that financial goal setting works and that it will soon become a way of life for you.

Start setting your financial goals today.

STEVE JOBS -passed away

2011-10-06T12:08:00.002+05:30

STEVE JOBS -passed away....its very sad.

A man who thought to the world through his products how the product designs is important for any product to succeed in it promotion.He has set and exemplary example of the MP3,i-Pad etc..The other companies/competitor's are still fighting hard to establish their products in market place.As a management guy i knew the hardwork behind planning his business s...trategy to stand alone even now.

Anyway my deepest heart felt condolence to Steve jobs.Let his kindom of business grow as he desired to be.

About 'STEVE JOBS:-

Steve Jobs was the co-founder and CEO of Apple and formerly Pixar.

Steve Jobs was born in Green Bay, Wisconsin to Joanne Simpson and a Syrian father. Paul and Clara Jobs of Mountain View, California then adopted him. In 1972, Jobs graduated from Homestead High School in Cupertino, California and enrolled in Reed College in Portland, Oregon. One semester later, he had dropped out, later taking up the study of philosophy and foreign cultures.

Steve Jobs had a deep-seated interest in technology, so he took up a job at Atari Inc, then a leading manufacturer of video games. He struck a friendship with fellow designer Steve Wozniak and attended meetings of the “Home brew Computer Club” with him.

After saving up some money, Jobs took off for India in the search of enlightenment. Once he returned, he convinced Wozniak to quit his job at Hewlett Packard to join him in his venture that concerned personal computers. They sold items like scientific calculators to raise the seed capital.

In 1976, Jobs and Wozniak founded Apple Computer in the Jobs family garage. The first personal computer was sold for $666.66. By 1980, Apple had already released three improved versions of the personal computer. It had a wildly successful IPO, which made both founders millionaires many times over.

A tiff with the Apple’s Board of Directors and John Scully led to Jobs’ resignation. Steve Jobs decided that he wanted to change the hardware industry. The company was called NeXTStep, which produced the NeXT Computer. The machine was a commercial washout but helped with future work in object-oriented programming, PostScript, and magneto-optical devices. Jobs returned to his original company after Apple acquired NeXT in 1996.

Steve Jobs also started Pixar, which has produced multiple blockbuster films, including Toy Story (1995); A Bug’s Life (1998); Toy Story 2 (1999); Monsters, Inc. (2001); Finding Nemo (2003); and The Incredibles (2004).

In 2004, Jobs was diagnosed with a malignant tumor in his pancreas, which was successfully treated.

Jobs resigned as CEO of Apple on August 24, 2011 and subsequently assumed the role of Chairman of the Board.

On October 5, 2011, Jobs passed away.

Follow these four rules to get rich!

2011-08-26T22:01:00.002+05:30

Follow these four rules to get rich!

Do you want to create wealth? Are you satisfied and happy as you are?

Most of us would answer the first question as Yes, and the second as No, and if you are one of them then you are at the right place at the right time. My Hearty Congratulations! to you. Wallace D. Wattles said, “Every person who gets rich by creation opens a way for thousands to follow - and in...spires them to do so."

Wealth creation is not the privilege of a few, but as Ralph Waldo Emerson pointed, “Man was born to be rich, or inevitably to grow rich, through the use of his faculties."

Here come the 4 maxims to wealth creation as jacks out of the box:

1. When young be a youngster, when old be mature.

"Don't let the opinions of the average man sway you. Dream and he thinks you're crazy. Succeed, and he thinks you're lucky. Acquire wealth, and he thinks you're greedy. Pay no attention. He simply doesn't understand." By Robert Allen

Some youngsters are easily influenced by the ideas, advice and experiences of others, believed in safe and secure investments in good companies scrip, and just created more wealth.

Youngsters in their 20’s should invest in stocks and shares as they can afford to wait and benefit with compounding effect and lower taxes. Likewise an old person should play mature and responsible and invest in safe and secure investments like debt instruments and big cap mutual funds.

2) Know the depth of ocean before stepping in, and your investment risk:

Investment risk calculation of each portfolio helps judge risk. Your age, appetite for risk, and length of investment decides your investment portfolio. M.R. Kopmeyer said, The great road to wealth is to learn useful facts", how true it is that many investors had lost heavily in future stock selling in a bull market without much knowledge. A safer investment would have been multi-cap mutual funds with wealth creation period of 10-15 years. However senior citizens should invest in big cap mutual funds with much lower allocation.

Wealth creation decisions should be long term, for it is futile to be swayed to sell units/shares in a rising market and miss on opportunities for further wealth creation. Follow the market trend and do as J. Paul Getty quotes, "Buy when everyone else is selling and hold until everyone else is buying"

3) Set an optimum leverage between debt for wealth creation and lifestyle assets.

"Abundance is not something we acquire. It is something we tune into." By Wayne Dyer

There is an urgent need for quick wealth creation to meet inflation demands, but we need lifestyle assets like car, TV, furniture and a house to live in. Unplanned debt can be a barrier to your wealth accumulation process. It is true with easy debt options available, there is a choice to borrow for lifestyle assets alone or for also for wealth creation investments like real estate. In addition, payment of EMI leaves youngsters with less capital to invest in wealth creation assets.

In addition, leverage requires not investing in same type of assets like land and house, as price fluctuations could adversely affect all in that type of asset. Also investing on lifestyle comforts pay nothing in the long run.

4) No one created wealth by laying all eggs in one basket.

Variety is the spice of investment decisions too, helping in diversifying risks, and making it possible to offset the fall in value of one asset by profits in another. So having a diversified portfolio of real estate, gold, shares, mutual funds and house, and avoiding investment just in one asset class helps. In addition, portfolio diversification proves effective in tax saving, and better wealth creation.

Now finally you too are on the path to being a high networth person. How do you view yourself?

Do you quote George Claso, "Wealth is power. With wealth many things are possible." and end on a final note, with John Emmerling, "Study well what the billionaire does. It may make you a millionaire."

Also vist our> http://seed4wealth.blogspot.com/

Is there a gold bubble now?

2011-08-22T21:43:00.001+05:30

22 Aug, 2011, 11.38AM IST, Narendra Nathan,ET Bureau

After reporting consistent gains for the past 10 years, gold continues to be the best performing asset this year as well. The year-to-date return is a whopping 35% as the price of gold touched an all-time high of Rs 27,840 per 10 gm on 19 August. While new investors and speculators are rushing to benefit from this 'golden harvest', seasoned players have already started raising an alarm.

"Gold is getting into a bubble territory. Though the short-term uptrend may continue due to the ongoing sovereign crisis in the US and Europe, it can burst any time," warns Prithviraj Kothari, president, Bombay Bullion Association. So investors need to be cautious. While it is the 'safe haven' demand that is propping up gold, investors need to keep in mind that this is not a risk-free market. Gold had crashed to $260 an ounce (nearly 69%) after hitting a peak of $850 in 1980.

How long will the current rally continue? "Gold may remain strong for the next 6-9 months, but once things stabilise and other markets start doing well, money will move out of gold. After three years, gold prices may be lower than the current level," says Kishore Narne, head, commodity, Anand Rathi Financial Services

What is triggering the gold rally?

Here's a look at some crises that are driving the gold market now.

US crisis:

One of the causes has been the downgrading of the US sovereign debt to AA+ from AAA, a rating it had held for the past 70 years. The efforts by the US government to support the faltering economy is another reason. For instance, rising interest rates usually lead investors away from gold. However, the decision by the US Federal Reserve to leave interest rates close to zero for two more years will boost the gold market.

Euro crisis:

Several European countries, such as Portugal, Ireland, Greece, Spain and Italy, may be forced to default in the short to medium term. Their efforts to reduce spending and increase taxes are being hampered by a faltering Eurozone economy, which grew by just 0.2% in the second quarter, its worst performance after emerging from the recession in 2009. There are also concerns about the ability and willingness of relatively stronger countries, such as Germany and France, to support the troubled ones.

Currency crisis:

As two major economic blocks (US & Europe) suffer problems, central bankers of several countries have started losing faith in their reserve currencies and have decided to buy gold as an alternative. For instance, in July, Thailand, South Korea and Kazakhstan added gold valued at $2.56 billion to their reserves.

Falling consumption demand

While the investment demand is shooting up (holdings in exchange-traded products backed by gold rose to a new record of 2,217 tonnes on 8 August), the consumption (jewellery) demand is on the wane. According to the recently released World Gold Council report, the global gold demand in the second quarter of 2011 came down by 17% y-o-y to 919.8 tonnes.

Source:-http://economictimes.indiatimes.com/markets/commodities/is-there-a-gold-bubble-now/articleshow/9671836.cms

Why market is bleeding in red?

2011-07-29T22:25:00.006+05:30

Reasons for the current melt down!!

Yes, the market is down for the past 2 years.... What are the reasons for the current meltdown? The following reasons may be attributed to the current situation of the market!

1. The inactive Government

2. The 2G and other Scams

3. Higher Inflation

4. Global economy still in doldrums

5. Unfavorable RBI policies towards curbing the inflation

6. Lower GDP growth rate

7. FIIs afraid to invest in the Indian markets

8. Higher Oil price and commodity prices

9. Investors stay away from the Indian market

Whatever may the reason an investor should be happy about the present market condition as nearly 75% of the tradable securities are down by more than 30% from its 52 week peak price. Interestingly among them nearly 425 stocks are down by more than 70% from its 52 week peak price. Though not all the stocks are worth investing some of them may be a great find. As an investor we can make use the opportunity thrown by the market and to borrow the quote of Warren Buffet “we should look at market fluctuations as our friend rather than our enemy; we should profit from folly rather than participate in it.” Tomorrow let us check which stocks have lost the most in the current meltdown….

The Indian market is bleeding in red...Why it so?

The banknify crossed the 200DMA and the Nifty was about to cross the 200 Dma few days back and today it fell down below 50DMA?? It really fooled many technical players..As every one jumped and bough nifty near 5700 and BN near 11340 levels.today Nifty and Bn opened in deep gap down and ...now Nifty trading near 5480 and Bn near 10890??? i am receiving so many desperate calls from people who caught between hell and deep sea!!

Many of these people had strong faith in technical analysis and that made this huge loss..The technical analysis is good..but trading plan with levels and managing trailing stop loss is necessary in any market.

When every one buying at high...in fact we start selling near11400&5700 levels based on our fundamentals..That is the macro economy of the world.We sold almost in the peak based on these economical facts however the market was showing bullishness.

The facts are..

1.The RBi Repo Rate like of .50Bps was expected by us..There are about 25 tv analyst failed in this expectation and they keep on recommending buy in nifty&bank nifty..!! i was shocked by their analysis..the best thing i could do was... off the TV.

2. Fear of U.S Default

There was no compromise in sight to raise the U.S.'s $14.3 trillion debt ceiling by August to avert a default that could trigger global financial chaos.

3.European sovereign debt crises

European Debt Crises Rising Everyday one county to other country.

More...

Credit rating agencies have threatened to cut America's top-notch AAA bond rating if an increase in the debt limit is not accompanied by a plan for controlling long-term deficits.

A default and downgrade could push the United States back into recession and send shock waves through global markets.

Wall Street banks are preparing for the real possibility that the United States will lose its top credit rating which they say will cost the country $100 billion in additional interest payments and hurt both consumers and the economy.

"That's a negative for growth," Mike Hanson, senior U.S. economist at Bank of America Merrill Lynch, told reporters on a call organized by a Wall Street trade group, the Securities Industry and Financial Markets Association.

"That's an environment where hiring is going to be much less likely than it otherwise would be," he said.

The stalemate in Washington is already having an effect, with investors starting to take cash out of the market and shifting away from some long-term investments.

There was no hint of panic, however, as markets held out hope the stalemate could still be broken.

...Tell me who will remain long in market peaks by knowings these economical crisis going to take place...?

REAL RICHNESS

2011-07-28T11:35:00.004+05:30

" Richness is not earning more,spending more or Saving more"
" The real RICHNESS is ; When you need no more"

Every one, out there in the world chasing after money and making all our attempts to gain so much money!! Thinking that one day we will have all richness and enjoy life..That one day is never going to come.

The intention of making money is to enjoy or celebrate life.But we are so much pre-occupied with the money. only the obsession of making money remaining with us and that make us to do, so many works to achieve the richness.We jump from one to another company for better salary...however you jump and how much ever one may get more salary is not enough.As the inflow raises the outflow of money also subsequently raises.Slowly, slowly we become nothing but money making machines and there is no enjoyment in life.

Just remember one thing, there are so many kings came and gone..They had all richness,Still they were unable to conquer life with their richness.Making money and becoming rich is just one part of life..So, don't over do that...Because, you are going to attain nothing but miss the life here&now which is very short and so precious.

The Billgates,Infosys- Narayanmurthy etc they all made all the richness they wanted..in fact beyond their wants...Finally they gave up many of their wealth to charity.It means they want something else than money...!!Just assume that how much effort they made to attain that richness and simply give up that to a charity? Think about it. That is Life.The quality of living is more important than only accumulating wealth.

Richness or Wealth has meaning when you are there to enjoy and celebrate your life.There is a point in everyone's life comes, when you want no more; Then life happens.One will find meaning of richness...' Richness is not just the material wealth but it is more of the 'INNER RICHNESS'.That comes to one when one want no more.

Strong sales power Hero Honda Q1 net up over 13% yoy

2011-07-21T19:01:00.002+05:30

Moneycontrol Bureau

Hero Honda Motors ' first quarter net profit rose 13.5% from a year ago to Rs 557.89 crore, boosted by strong growth in sales volumes. Revenue of India’s largest two-wheeler maker accelerated 32% year-on-year to Rs 5,683.33 crore.

Hero Honda’s sales volumes were up 24% in April-June. It sold 15.3 lakh two-wheelers in three-month period, highest sales for any quarter.

The results were almost in-line with analysts estimates. A CNBC-TV18 poll had expected net profit at Rs 543 crore on revenue of Rs 5,660 crore.

Hero Honda shares rose over 1.7% at Rs 1,786.90 on NSE in afternoon trade after the company saw profits rise after four quarters of decline.

Hero Honda said it sold over five lakh two-wheelers in each month of the first quarter, thus demonstrating its sustained top-line performance and further strengthening its market leadership.

"Our Q1 performance has set the outlook for coming quarters, and we are confident of achieving our initial guidance for FY12 to sell over six million units," said managing director and chief executive officer Pawan Munjal.

This strong growth in sales helped offset pressure from rising commodity costs and a surge in depreciation costs. Hero Honda’s raw material costs surged 37.5% year-on-year to over Rs 4,241 crore in the quarter. Depreciation costs in the first quarter were up almost five fold to Rs 239.8 crore.

Munjal said the company’s strategic initiatives of developing new brand identity post breakup with Japan’s Honda Motor, exploring international opportunities, enhancing research and development capabilities and finalizing its fourth plant were pacing ahead.

However, the thrust presently was to maintain operational excellence amid volatile cost of commodities like steel, aluminium and rubber, he added.

Last December, the Hero Group and Honda had agreed to end their 26-year-old joint venture, with the Indian partner agreeing to buy out Honda’s 26% stake in Hero Honda.

Munjal said Hero Honda will now explore markets to grow around the world, especially in Latin America, Africa and South East Asia.

It also plans to "aggressively" expand distribution network in India and will cross 5,000 customer touch points by end of this year.

Nachiket Kelkar
nachiket.kelkar@network18online.com

Article source- MONEY CONTROL

JUST FOR FUN SHAKE...

2011-07-18T18:15:00.002+05:30

joke of the day

It is a conversation between a STOCK TRADER&GOD
...
A trader and God are speaking. The trader asks God,

“What is a million years like to you?”
“Like one second,” answers God.

The trader then asks,
“What is a million dollars like to you?”

God answers,
“Like one penny.”

The trader then asks, “Can you spare a penny?”
“Sure,” says God, “give me a second.”

All About "SAR", Late Mr W.D. Gann's 'Stop And Reverse' Concept

2011-07-11T17:53:00.004+05:30

Definition:

A stop and reverse (often known as SAR ) is a type of stop loss order that exits the current trade, and either simultaneously or immediately after wards, enters a new trade in the opposite direction. Stop and reverse orders combine elements of trade management and risk management, and are used in place of regular stop loss orders.

When Are Stop And Reverse Orders Used?

Stop and reverse orders are used when a trader wants to reverse their position (hence the name stop and reverse). For example, if a trader is in a long trade, and wants to exit the long trade and enter a short trade at the same price, they would use a stop and reverse order. The same task could be accomplished manually (i.e. placing an exit order, followed by an entry order), but stop and reverse orders are more efficient as they can combine the entry and exit into a single order.

How Do Stop And Reverse Orders Work?

Stop and reverse orders not a standard order type, and are not offered by many brokerages or any exchanges (that I am aware of). Therefore, stop and reverse orders are usually implemented by the trader's trading software (order entry software), and therefore their implementation can vary significantly, but with the same end result (a new trade in the opposite direction). If a trader's trading software does not offer stop and reverse orders (many do not), the trader can create a stop and reverse order by doubling the number of contracts (or shares, or lots, etc.) in their stop loss orders. For example, if a trader is in a long trade with one contract, a stop loss order that is placed for two contracts will function exactly like a stop and reverse order. Note that stop and reverse orders are not related to the Parabolic SAR indicator, however, a trader that is trading using the Parabolic SAR indicator may use stop and reverse orders in their trading.

Also Known As: SAR

(Courtesy: about.com) Mr Gann calculated SAR from the previous two trading days data. If Downtrend, he would use the Highest High of previous two trading days as SAR, if Uptrend he would use previous two trading days' Lowest Low as SAR.

All About Stock Market.

2011-07-05T22:34:00.003+05:30

This Write up is to meant for the new BEE's, who like to learn something about stock market.

What is meant by stock market?

A stock market is a private / public market where securities of companies and their derivatives are traded at a predefined / agreed price. Usually these securities are listed on stock exchanges. A stock market consists of few stock exchanges where the listing and trading takes place. All stock markets are regulated by some organization designated by the Govt.

How does a stock market function?

A stock market has many members who co ordinate for various activities in the process of placing orders, their execution and settlement etc. A person who desires to buy / sell shares in the stock market, can place his order through the broker either in the traditional manner or can place an online order himself through the terminal provided by the broker.
When an order is placed, the order is sent to the exchange and then the order resides in the Exchange system till all conditions of the order have been met with. When the conditions of the order are fulfilled, the order is executed and the shares purchased / sold are delivered to the buyer / obtained from seller through the broker. The whole settlement process takes place through NSCCL (National Securities Clearing Corporation limited), the official clearing agent for the stock market in India.

Who regulates the stock market?

In India, the stock markets are regulated by SEBI (Securities and Exchange Board of India). There are several stock exchanges in the country out of which the two most prominent exchanges are BSE (Bombay Stock Exchange) and NSE (National Stock Exchange). The signature index for BSE is Sensex while for NSE, it is NIFTY.

What is Rolling Settlement?

Rolling Settlement is the mechanism adapted by the Indian Stock markets for faster settlement of trades. In Rolling Settlement, trades executed during the day are settled on net obligations basis. In India, settlement of trades executed is done on T+2 basis where T stands for Trading day and +2 stands for two working days excluding the trade day. Net the effect of shares bought or sold is on the third day from trade day.
In this kind of settlement, two trading days are considered for settlement where Saturday, Sunday, Bank Holidays and trading holidays are not considered as working days for settlement. Hence, a trade done on Monday will get settled on Wednesday.

What is dematerialization?

Dematerialization is the process by which an investor can get the physical share certificates converted into electronic shares of equivalent number and value. Dematerialization takes place though a depository participant who assists an investor to get the shares dematerialized.
In this process, once the physical shares have been converted into electronic shares, they are credited to the client’s demat account which is with the depository participant. An investor can get those shares dematerialized into his / her account only if those share certificates are registered on his / her name.

Why invest in shares?

Investing in shares is like investing into ownership of a company which no other investment instrument can give you. Unlike any other investment instrument which either give you fixed income or meager returns and no owned share in the same, equity investment gives you an opportunity to become a part of the company ownership and also gives you regular returns on your investment as dividend income or through price changes.
Investing in equity also allows you to enjoy the flexibility of staying invested as long as you wish to, take advantage of the price movements and thus utilize the liquidity. In an overall view, equity investment is better than any other investment.

Can I invest in any share?

By the virtue of investing in shares, you can invest into any share but since investing in equity is like owning a part of the company, you should be careful about which share are you investing your money. The profits that you earn from such investment, will largely depend on the shares that you have purchased. If you have invested in a low earning share, no matter much you invest, it is not going to fetch you the same kind of return as a high earning share.

How do I buy / sell shares?

In order to buy / sell a share, you need to first become a client of one of the stock market members who are commonly known as stock brokers. But before you sign up with a stock broker / financial services provider, you need to understand the importance and sensitivity of the relationship between the stock broker and yourself so that you are familiar with the rules and regulations abiding in the relationship.

Once you have chosen your stock broker / financial services provider, you need to open an account with the same, get quotes for the share that you wish to buy and place orders either by calling up or online.

When am I ready to buy shares?

Before you put your money into shares, you need to be aware that investing in shares is not only rewarding but also risky so you need to make sure that the surplus money available with you at hand may not be required in near future. This is so because to reap the benefits of investing in shares, you need to stay invested for a considerable time period.
Once you are clear about the above mentioned facts, you are ready to buy your first share.

How much does a share cost?

The price of a share is preset by the exchange. The demand and supply factors of the market determine the price at which a share is bought or sold. A share can cost anywhere from less than Rs. 10 to an amount even above Rs. 2000.
If you are keen on buying a share of a company, you can either refer to any of the news papers that provide such information or find it online thorough online trading platforms provided by your broker or even calling up to your broker in order to assist you in the same.

Can I put all my surplus money in shares?

The answer to this is all dependent on your age, your financial requirements and future goals.
If you are young, surplus money at hand that is not likely to be required in near future, can stay invested for few years, then you can invest all that in shares.
But if you are retired / likely to retire soon / old, have no other source of income or earn meager income, surplus money at hand that is not likely to be required in near future, you should not resort to investing all that in shares, instead you can diversify your investments into bonds, fixed deposits, Govt. securities etc. and a lesser exposure in equity investment.

Ø Concepts & Terms you should familiarize with

Ø Margin trading

Margins are collected to safeguard against any adverse price movement and it is usually a percentage of the transaction value. In share trading, you can buy shares only up to the margin amount existing in your account. i.e. you cannot exceed your margin limit to place an order.
I order to take advantage of price movements, even though you don’t have enough margin in your account, Margin trading has been introduced for the facility of investors. Margin Trading is a facility provided by a broker to the client where a client can place orders for a value exceeding the margin amount available in the account. In margin trading, a part of the required margin is given by the client while the rest is funded by the broker.

Ø Different types of orders that can be placed

There are various types of orders that can be placed in equity investment; such orders have been listed below:

Delivery order: An order where shares are delivered into the client’s demat account for settlement and they cannot be sold on the same day of order placement. Once can only sell such shares once their delivery has been received.
Intra day order: An order where shares are bought and sold on the same trading day and there is not delivery of shares into the client’s demat account for settlement. For such orders, settlement is done on net payment basis where only monetary effect are given to the client’s account.

Market Order: An order placed at current market price of a share in order to get instant execution of the order. This order is placed when an investor expects the share price to rise sharply and is thus keen on buying it. Such orders may get executed at market price when your order is placed but their can be some difference in the price at which your order was executed as there could be a price change while you placed your order.

After Market Order: An order that can be placed to buy or sell a share even when the market session is over. Such orders are executed when the next market session opens for trading. After Market orders can be placed within a specific time period which varies between different brokers.

o Limit Order: An order that is placed to buy or sell a share with a price limit in it so that your order gets executed at a price level favorable to you. In a Buy order, limit has to be lesser than the current price and in sell order, it has to be more than the current price.
For example, you wish to place an order for a share whose current price is Rs.125 and you want to buy it at any price lower than the current price, then the limit for your order should be Rs.124 at least so that your order gets executed only after the limit has been achieved and gets executed at Rs. 124 or any lower price.
But if you wish to sell the same share, you would always prefer to get the best price for it to make maximum possible profit out of it. So, in the sell order, your limit should be Rs.126 at least so that your order gets executed only after the limit has been achieved and gets executed at Rs. 126 or any higher price.

o Stop Loss Order: An order that allows you to decide the maximum loss that you are ready to bear in intra day trading. As in intra day trading, you enter and exit the position within the same trading session, Stop Loss order is placed to safe guard against potential losses that may occur once your order is executed.
Suppose you place a buy order at Rs.125 and it gets executed, in order to minimize the losses if any adverse price movement takes place; you need to place a reverse stop loss order. This order will be a sell order with the same quantity of stock that you have received as a result of the buy order. Now you need to specify the price at which you think you would like to exit the position which can be Rs. 120 and also the price at which your order should enter the market which can be Rs.123. This price (Rs.123) is called trigger price. If you think that the price may fall, from the current market price, then you can put this trigger in stop loss order to make sure that it enters the market only after the trigger price has been reached.

Ø Circuit Filters

A circuit filter is a measure introduced by SEBI to determine fixed price bands for different securities within which they can move in a day. If there’s any breach beyond / below these price bands, it will result in temporary halt in trading for those securities.
Circuit filters are based on the previous close price of the security and as previous close price of the same can be different on BSE and NSE; so can be the circuit filters.

Ø Short selling:

The concept of short selling simply means selling a share that you don’t own. In short selling, an investor sells a share that he / she doesn’t own but is expecting the price of the same to decline.
It is generally practiced in intra day trading & FNO trading where the sell position is covered by buying a stock so that the net monetary benefit gets affected in the account and no delivery of shares is required.

Ø Auction of shares:

Auction of shares is a methodology adapted by the exchanges to make sure that the buyers get delivery of the shares due to them as a result of short delivery. Short delivery of shares generally takes place due to short selling by seller’s who don’t possess the required number of shares.
In this process, the exchange buys shares from the seller’s broker who lends such shares to the seller and delivers it at an agreed price to the buyer. The seller in such case has to bear the monetary loss / expenses incurred in the auction.

Ø Insider Trading:

Insider Trading is basically trading / investing in any particular security based on unpublished information which is price sensitive for that security. Usually such information comes from people who are associated with the source of such information and want to make profit from such information.

Insider trading is prohibited and an offense punishable by law.

WHAT IS 2+2...

2011-07-04T22:53:00.003+05:30

WHAT IS 2+2 ?

A business man was interviewing applicants for the position of divisional manager. He devised a test to select the most suitable person for the job.

He asked each applicant, “What is two and two?”

The first interviewee was a journalist.
His answer was “Twenty-two.”

The second applicant was an engineer.
He pulled out a slide rule and showed the answer to be between 3.999 and 4.001.

The next person was a lawyer.
He stated that in the case of Jenkins v Brown, two and two was proven to be four.

The moral is....
We conceive so many idea's/prejudice inside of our mind and that hinders/filter to see the reality as it is.

We takes things granted and presume things as per our convenience and refuse to accept the reality as it is.This is the problem with knowledge.We always tend to think in our own terms and De-align with reality and finally face so many consequences.Just give up this and just be ordinary.

Being ordinary is the extraordinary thing in life.

One of the famous scientist, who was so much involved in his research and almost spend 24 hrs in the lab.He had only one hobby of playing with his pet animal cat.

There were two Cat's. one was big and other was a small one.
So,He made hut for the cats.So both can stay together.But he made two separate doors for the cats.One door was small one for the small cat and another one was big door for the big cat.

The logic here is, the big & small cat can enter through the big door and there was no need for a small door???.

A Great scientist's too fail in life because of their complex thinking pattern.The simple logic will not appeal to them as their minds are too much occupied and refuse too think simple.The ordinary person can have greater wisdom many time because, of their simple thinking.Hence they could see the reality as it is and get along with life easily without much worries.

SCULPTURE

2011-06-29T22:45:00.004+05:30

"A Stone is broken by the last stroke,This does not mean first stroke was useless."

Success is a result of consistent /continuous effort.It only comes to those who has the will to see the end.

Just imagine a Sculpture, who make sculpture out of the raw stone need to put so much efforts to break the hard stone.He/She has to give hard st...roke to the axe by the hammer... than only , he/she can remove the un-wanted parts of the stone and finally he/she brings out the sculpture as per the desired objects.But, in the process...so much consistent effort is needed to bring out the best out of the raw stone.

The sculpture is no where, but within the stone itself.
The ordinary eye can not see that.Only the sculpture can penetrate and see the sculpture within it..He just do nothing but removing the unwanted parts of the stone and that make the stone to worshiping idols in our temple.This is what makes things ordinary to ex ordinary.

What ever work one may do, is not so important.But the involvement and the consistent effort only make one to underline their presence in their field.They may set a trend for others to follow.Just remove the hurdles out, that hinders your path of success.Just adapt the skills from a sculpture,how he identify and remove the unwanted stone and make it adorable one.

Have a good day.Good Night.

The Indian Market Now?

2011-06-23T23:45:00.006+05:30

Here are the excerpts from Rakesh Jhunjhunwala’s latest Interview given to a Business Channel on 14th June 2011.

Golden Period For Indian Stocks Has Not Even Started -Rakesh Jhunjhunwala

What is your view on the markets?

The next three months are going to be a very difficult period for the markets. The chances to break down to me seem to be greater than the chances to break up, at least in the next three months.

Do you see 5000 acting as a base for this market?
That is difficult to say, but I would think so, 4800-5000 is a level where markets will
surely find a base, strong support which goes there.

So what is the biggest risk for Indian markets currently?
The headwinds are on Indian markets, the most important thing is inflation. Because
inflation controls everything, interest rates, growth and the second headwind is the
government inaction. Although we have very good people at the helm of government
and they know what needs to be done, but politically they are not able to give any
consensus at all.

There was hopes of some big reform after the elections, but nothing has happened up until now. And unless we get some kind of a reform in the subsidies and some kind of a clear road map for the DTC and goods and sales tax, GST, the markets are waiting for that.

But would you bang the table and say that or predict rather that in next 3 years, Sensex will be at least 50% higher than where it is?

I am extremely bullish in the longer period. Three months unless and until we get clarity on the monsoons which we will get by August end, and we will see what kind of
government action comes through. Until then, the markets are going to have a downward bias. Three years, 5 years, 10 years, I am extremely bullish.

Do you think the golden period for Indian equities is not over?
It has not even started.Let me get this right and this is one point I do not want to get it wrong for our viewers, near term you are not bullish, but your long-term outlook is still intact.

Absolutely and near term I mean until things clarify and it depends how events turn
out. If the monsoon is good and commodity prices ease which I personally expect, oil
prices should be at $80-85 and some government action comes through and inflation
may not have come down, but it becomes apparent that in future months, inflation is
going to come down, then the Indian markets will have a very strong ride after that.
So I am saying that the next 2 to 3 months are uncertain depending on how events
turn out. The period for the next 9 months could be very good or could be okay.

But is the rampant speculation in commodities over?

I do not think so. Speculation in commodities is at an all-time high.But insiders tell me that you have been short commodities of late.Yes, I am shorting some commodities. I am short.

How come you have not made any large investments in last 6 months?
Delta Corp was only large investment you made and that was just before Diwali.
I have applied for a loan to my father-in-law. When he sanctions it, I will disburse it. I
will make it. I am fully invested and all that I have done in my life is investing. So now
even though I have some money, let me buy something else.

But if you had enough capital, do you see currently enough opportunities
which are available?
I am always capital short. If I see the opportunity, I will get the money. So if I see an
opportunity, I will surely invest.

Are you excited that Titan is at an all time high, your biggest investment?

I am happy that the company has proved itself to be an extremely good robust company, very good growth prospects, now getting very aggressive. I am extremely
very happy really.

But you are still of the view that Titan potentially could be $1 billion investment for you?

I am hopeful now it should be more than that.More than a billion? Why not?

Why is Titan an exciting business to own?

Because this business has the highest entry barriers. They have good growth. They
have excellent management. They are expanding very aggressively. They have good
brands. So I think the retailing is going to be one of the biggest growth stories in India
and Titan is in a sector which dominates whether watches or jewellery and now they
are coming to frames. They could enter other areas also. So with such high entry
barriers and growth and very high return on equity and good positive cash flows, Titan surely is a very sweet spot.

What about the PE multiple if you look at estimates and again I am looking the consensus estimate?

By Indian measure of measurement, it is expensive. But good stocks always remain
expensive.That is the investor Rakesh Jhunjhunwala, but

what is the trader Rakesh Jhunjhunwala thinking and doing?

Thinking and doing, I am trading. I feel the markets in the next 3 months have more
downsides than upsides.

So broadly speaking can I safely assume that the trader Rakesh Jhunjhunwala is short or he is not bullish?

I am certainly not bullish and let's not discuss my trades.So where do you think the new leadership in the markets could emerge from?Titan will be one of the leaders.
Even after this run up? Yes, why not?

It is interesting if I look at your investment portfolio. You do not own any Nifty 50 or Sensex 30 stocks. Why is that?

I hope that some of those stocks which I own will become part of the Nifty or Sensex.

So apart from Titan, which other stock has the possibility of being part of Nifty 50?
Lupin is a fairly large company now.

What makes you so bullish on Lupin because the Indian pharma business...?

It is growing well, they have done well. They are doing well in Japan, America.

Just For Fun

2011-06-22T22:39:00.004+05:30

Two women were walking through the woods when a frog called out to them and said: "Help me, ladies! I am a stockbroker who, through an evil witch's curse, has been transformed into a frog. If one of you will kiss me, I'll be returned to my former state!"

One woman took out her purse, grabbed the frog, and stuffed it inside her handbag. The other woman, aghast, screamed, "Didn't you hear him? If you kiss him, he'll turn into a stockbroker!"

The second woman replied,

"Sure, but these days a talking frog is worth more than a stockbroker!"

PEG Ratio - What is it and its Significance

2011-06-20T23:44:00.001+05:30

Below is the mathematical calculation for it,

PEG = [ (P/E) / (Growth) ]

Growth is year on year growth in %. For example, for stock "A" with P/E of 20 and growth of 50% will have a PEG ratio of 0.40 (20 / 50) . Stock "B" with a P/E of 30 and growth of 60% will have a PEG ratio of 0.50 (30 / 60). Stock "C" with a P/E ratio of 15 and growth of 15% will have a PEG ratio of 1.

In the above example, Stock "A" with least PEG ratio is the most attractive, followed by stock "B" and then stock "C". But, most investors get deceived by stock "C" for its least P/E and make mistakes. Generally, PEG ratio of less than 0.50 is considered an attractive buy and anything above 1 is expensive.

Of-course the PEG ratio becomes more decisive when growth taken into calculation is cumulative growth for 5 years or more which brings in the consistency factor.

LEARN TO "LET GO"

2011-06-18T13:27:00.002+05:30

LEARN TO "LET GO"

In life we many times fed up when things are not moving as we desired or expected.Even a small thing go out of the expectation we instantly get into you kind of tension that keeps on building each fiber of our body and the whole day go waste.for Example - The husband expect the wife to keep everything ready when he le...aves to the office...if the shoe is not in place/misplaced he simply shout at his wife on return his wife scold back and there the conflict start...he may not speak up and throw all his anger out...All he can do is he can show his anger in his car/bike oscillator and go in full throttle that may cause an road accident!!

This above is just an one example.at work when you are not working as per your boss expectation he throw his anger undo you and in reverse you throw out the same down to your subordinates..This will continue..

How to resolve this kind of situation?
We must accept one thing in life first.That is life is not a road map one should follow..they say the "perfectionist is neurotic".you can not follow the monotonous path..its alright going out of track once in a while but be aware of you and take control of your emotion.Life is not simply meant to find meaning in everything and if not upto your level and get upset.Learn to live life on its way and accept the life as it is.That is the first step one can do to resolve.

Live life in spontaneity. Many time your accumulated knowledge can not help you but your acceptance of truth and aligning yourself with your environment can make you stay in comfort. The existence is not linear,it is simultaneous.Any thing may happen any time.What the next second bring unto you is unknown.So live life in unknown with least expectation.Allow yourself to let go in any worst situation you may in...Just let it go..This let go make you to align yourself with your own center that can do lot of clarity.We need to have our own quality time for this let go..Either in the early morning or night before you sleep.

The art of LET GO allow our mind,body& spirit to unite and make yourself as a whole being.This being become holy.The holiness is nothing but this being unto your center.Nothing can disturb you nor distract you.

The art of let go has unleash the potential within.When we worry too much and that spoil our sleep.Many among us think and so much worry about the life un-necessarily that ultimately spoil our sleep.There are many thing in this world is not in our control we can not expect change outside as per our wish.But we ...can change our self and tune ourselves along with life.We need to allow LET GO.

When we are in deep sleep/meditation this LET GO happens naturally.The deep sleep one can unleash all that burden us.The nature design us so nicely that everything dissolve in our dreams.Mainly the negativity that pull us down.Many among us carry a undercurrent fear within us...it may be the fear of death/guilt anything let it be...Make yourself comfortable when you are going to sleep..just ignore the entire world and just be with yourself.The sleeping is the only time you can have for yourself,if you happen to be so much busy in your day activity.Sleep that also make you free from many diseases.

While you are in deep sleep your sub-conscious mind take care of everything and attune with the existence.This attuning will cure yourself mentally&physically.So don't ever sacrifice your sleeping time.What ever we were unable to achieve in your life become a dream and that give a kind of contentment in other plane.

I also wish every one to do meditation twice a day.This 15 mins of meditation/doing nothing is equal to 3 hours deep sleep.This meditation make yourself to fit in to your five center's.When one is centered he can not be disturbed by the environment.Meditation make you to unlearn many things that you accumulated for no reason.This will make you to live life at ease.

Imagine Big

2011-06-14T00:47:00.005+05:30

"IMAGINATION IS MORE POWERFUL THAN KNOWLEDGE"
BECAUSE KNOWLEDGE IS LIMITED AND
IMAGINATION IS UN-LIMITED.

This is said by- 'ALBERT EINSTEIN'

He is the person who gave us the 'Quantum Theory' after many decades, his theory is still not fully understood by the majority of the people.it is such a theory even very few scientist able to dec...ode it.He is such a genius of our century.

if you look at his life background, he was working as a accountant and all the time dream and imagine about the cosmos and finally found a meaning for his imagination.The whole world came to know him for his famous equation that solve many un-answered questions,That is E= MC(2) Square.

Many among as even afraid of dreaming big, as if it cast some money(cast)...Just dream big as much as you can.it cast nothing and you are going to loose nothing;Rather you are going to gain out of it

What ever. we see in our today's world is somebody else dream.The airoplane is dreamed by right brothers and today we are comfortably flying from one to another country.In fact all the creators are more or less a dreamer.They could create something that born out of thier dreams and imagination.All they could found solution to their problems...Their knowledge is simply not enough to find answers and meaning in life.Imagination is such thing that is bigger than your learned knowledge.

The nature design as so nicely, that the human beings is the only beings who can dream and imagine about anything.i don't think no Animal/beings has this skill except us.i am not advising one to just day dream.All i indented is dream and imagine big and you may find your destiny.

Visualize all your desire and imagine big and what all you wanted in life...slowly this will change your thought pattern and have deep impact on your dreams.Hence the sub-conscious mind can understand your dreams.The dreams can penetrate your mind and soon or latter your dream become reality .

So, dream big and imagine your life as big as you can.I wish all your imagination become a true possibility and make your life more happier than ever before.

Ramani.G
you can use this article/re-post anywhere.

STOCK MARKET

2011-06-09T22:34:00.002+05:30

STOCK MARKET

is an emotional game between GREED and FEAR.

Despite the fact that Indian Stock Markets are more resilient, and they move at par with the Country's GDP / Economic growth , People don't believe in our Markets..I do n't know , why does it so ? can you show me one country in the world, grown at a good positive 6% growth rate ...during global recession , that too without stimulus packages.. Really our India has self sustaining Economy..but how many of us know it's depth ...?hardly thers is 2% of our population is associated with the Capital Markets....this is the reason why our markets move wildly to either side...

A basic thing one should never forget that think before speak.

Never show excess affection & care to anyone in this deceptive world..Because its human tendency to underestimate anything given FREE of cost...!

This quote i got it from my fb friend

A new ‘telecom scam’, starring Dayanidhi

2011-06-04T15:48:00.004+05:30

If you've missed the Tehelka story that got former telecom minister Dayanidhi Maran into trouble, here it is.

What it says, in brief: As minister, he stalled Aircel's efforts to get telecom licences for years. And then after arm-twisting the owners to sell the company to the Malaysian firm Maxis, which his friend owns, he fast-tracked the spectrum approvals. As kickbacks, he got Maxis to invest in two companies run by his family. He benefited to the tune of Rs 700 crore, the magazine alleges. That's a lot, and he must be punished, especially when Kanimozhi, his parliamentarian-cousin accused of pocketing about Rs 200 crore, is already in jail. Dayanidhi is the next on CBI's calling list, Tehelka predicts.

Soon after news broke that Maran, now textiles minister in the Manmohan Singh cabinet, was going to get into a legal battle with Tehelka, stocks of Sun TV Networks fell by 30 per cent and low-cost air carrier SpiceJet by 12 per cent. They recovered a little later in the day. The companies are owned by the Maran family, and run by Dayanidhi's brother Kalanidhi.

Politics is already raging, with Tamil Nadu chief minister J Jayalalithaa demanding Maran's resignation, and the DMK saying a court case isn't grounds enough for him to resign. After keeping mum all of yesterday, the dapper Maran spoke out this morning, saying he owned no shares in the Sun TV Network, in which Maxis had invested. In its rebuttal, Tehelka has dubbed his defence just clever talk because the money went into a company his brother owned.

Prime Minister Manmohan Singh, worried over Baba Ramdev's decision to go on a fast, met his cabinet this morning, and Maran sat in. We don't know how much longer the dapper politician can hold out, now that a big scandal has broken out, but once the quid pro quo is established, he may have no option but to go. Dayanidhi, for those not tuned in to Tamil Nadu politics, is DMK patriarch M Karunanidhi's nephew.

A quick recap: Raja, the DMK leader who succeeded Dayanidhi as telecom minister, also sold spectrum cheap, allegedly causing the nation a loss of about Rs 1.74 lakh crore. He is now in Tihar jail.

Source:- Yahoo news

Link>

http://in.news.yahoo.com/blogs/boxpopuli/telecom-scam-starring-dayanidhi-103648400.html

DO NOT ACCOMMODATE TOO MANY POSITION WHILE TRADING

2011-05-18T18:38:00.002+05:30

'One can not chew to many cakes at the same time'.

just eat one by one and enjoy the taste of the food.Let your system absorb the food completely.

"Chew your food and don't swallow it!"

- if you swallow the food in a hurryburry way, your stomach may upset that spoil your health.

----

Create your wealth as a 'PASSION'.

Be totally into it without Greed and Fear.

The greed and fear are the Two enemies of your wealth.

As i used advice to many of my fellow traders that, Do not take too many positions/trade at one point of time.Many time the market induce the traders mind and dispel their trading inteligent;the trader simply unaware what is going to happen,they simply jump and take too many positions at a time.The market may swirl like a wild strom at anytime, just by a small news or rumours..This may change the trend of the market and go aginst your current position..So..

ALWAYS BE AWARE

1.'Be Aware - ' The RISK's involved behind each and every trade that you may make.

2.Be calculative of the the trade which you are about to make.Have pre-plan on both sides PROFIT/LOSS.

3.Manage and utilise your money/investment wisely and precisely as much as you can.

4.Do not take positions beyond your affordability/capacity.just because it is available or the over limit provision given to you by your broker.

5.Dont be greedy and Do not encourage yourself to make money too fast.just go step by step and be rooted in the ground reality.

6.Loosing money is as easier than the money you try to make out from the market.so be smart enough to keep your investment safe.safety first is first thumb rule here.

7.Be focus on one trade and sqaure it with a profit and wait for the right moment for the next trade,if there is no chance for you again to make a trade,..nothing maters;it is wiser to be idle than loosing money.Don't do trading for the sake of trading. Just be cool,relax now and than. many time rest/calmness is required to have a more clarity that will enhance your skills of trading.

8.In my experience i have seen many traders, trade in the market to recover their prvious losses.They used to be bit aggressive trader without being aware about the current trend that plays in the market environment.it is a very bad attitude of a trader. just be fresh and blank and approch each and every of your trade as a new trade with new approach , and this will make you to understand the current scenario of the market.

9.'UN-LEARN' - I Say,'unlearning is as important as learning'.

Many time too much of knowledge spoil your trade and decision making.knowledge courrupts.you simply make too many technical analysis/parameters and miss the real pulse of the market. so 'IGNORANCE IS BLISS'

10.Consistency is one of the main aspects of a succesful trader.Because they never overboard.

11.Too many positions can easily put you in a state of confussion/ imbalance, if you are not good enough to monitor. So it is always better do deal one or two positions at a time that too in one segment of The market.i.e- F and O / Equity.

Lastly,but not least,i need to convey unto you is-

' one can not reach the destiny by keeping one's leg in two boats'

Value Investing and its advantages

2011-04-21T00:04:00.009+05:30

Benjamin Graham was not only a widely respected author and expert on value investing; he is often credited with creating the foundation for modern fundamental analysis of stocks. Value Investing is an investment strategy used by some of the country’s more prominent investors, most notably WarrenBuffett.

For value investing to work, the investor must find companies that are trading at a market price that is a discount to the intrinsic, or real, value. The difference between the market price and the intrinsic value of a stock is known as the ‘margin of safety’. The margin of safety protects the investor from both poor decisions and downturns in the market. Because true value is very difficult to accurately compute, the margin of safety gives the investor room to make a mistake.

So, value investing is an approach to investing that singles out specific investments; stocks or bonds that are undervalued in relation to similar companies. That is not the same as cheap, however. An undervalued investment may still have a high share price in relation to other stocks in the same category. What is important is the relative value of the stock using tools such as the P/E ratio, price to book ratios, and other tools of fundamental analysis. For many investors who practice value investing, blue chip stocks are often a key ingredient in their portfolios. Blue chip stocks often epitomize what value investing is all about- companies that have a solid earnings history, strong financials, a history of dividends, and a sizeable market share.

Value investing is not only based on purchasing good companies at low prices, but holding for the long term.

Now the time to buy value stock's.The time is right to buy many.. as so many stocks are available for bottom fishing. One can buy and stay invested without worring about market and expect your money that grow as you desire.

You can also view into:-

http://seed4wealth.blogspot.com/

Early to bed and early to rise makes a man a milk man

2011-04-13T20:37:00.004+05:30

I learnt early in life that time is precious gift. In fact one of the great funny quotes that has stuck in mind is " Early to bed and early to rise makes a man a milk man."

Jokes apart time is indeed a precious quantity. We may all live for 75 years but let us take life one day at a time. Is it not amazing that we sleep at least one third of the day and how do we spend the balance two third and how much of that two third is spent constructively?

We can say that we sleep away a third of our life and 25 years out of 75 years does seem to be a lot of time, is it not?

2011-04-07T11:38:00.004+05:30

ANNA HAZARA,SOCIAL ACTIVIST/REVOLUTIONIST IS ON A MISSION TO FREE THE COUNTRY FROM CORRUPTION.

WE CAN UNITE AT THE TIME OF WORLDCUP ,THEN WHY NOT FOR THIS CAUSE?.A 73 YEARS OLD PERSON CAN FAST-UN TO DEATH FOR THIS PURPOSE,THEN WE SURELY CAN DO OUR BIT BY MAKING OTHERS INFORM ABOUT THIS SIMPLY COPY AND PASTE IT AND SPREAD TO AS MANY PEOPLE AS YOU CAN....DO THIS NOW... JUST FOR OUR OWN COUNTRY....

.TAKE THIS AS AN OBLIGATION AND SEND IT TO MAXIMUM POSSIBLE PERSONS.

I am fortunate enough, as i was with Anna Hazara for 3 days camp in Goa during 1998 with my fellow SSY followers along with Rishi Prabakar ji.

.He gave a lecture to us on the topic of 'SEVA'.

Who ever was there was just impressed and started seva there itself by cleaning a village near Goa.I was really thrilled a unknown village and unknown people and doing seva for them....but the Joy in doing seva was simply blissfull as it was a selfless state of being.

..He himself is a satyagraha/sevak and dosen't bother anything except truth.he is a kind of living Gandhiji.He live for the people and set an exordinary example of 'Royalkhan siidi' village of maharastra as a model village for the world.This village has no 'Doors,no Locks' in any house.No fear of theft.it is a smoke/liquor free village.He lifted the GDP amazingly.

.He was part of many rural development Ngo's/Govt agenicies also trained many state 'IAS officials' including tamilnadu.Anna Hazara got the 'Padma Vibhusan' Award for his seva and many time he used to refuse to recive many awards from anybody.I wish and pray this time to his mission to set corruption free india will be accomblished.

Earning Vs Spending

2011-03-31T10:18:00.004+05:30

‎" People invest time for earning money:

The same money is invested for spending time."

Earning is important .

Same way spending it wisely and make a quality living is also more important than earning or else there will be no meaning in earning money....The accumulation of money is going to lead you no where.Many kings came and gone.Many kingdom was lost however they were powerfull.Time has power to destroy all your money and power.But at the same time,time will make you to celebrate life.if you have more money you have better choice to live.With money one can have more option like to buy a bigger bunglow,car,travel etc but here the question is are we here to enjoy life with the money what we made or just accumulate it for the forth coming generation and die?.

Live life like a king.Earn and spend.Money has to circulate it like a blood.it should not be stagnated or it will go waste.No one can own anything including their own body when we leave at the end of life.So, start earning and spending it and make your life really worth while.

There are many rich people happen to renounce all their money at the end.They do lot of charity and help to bring up the community.These people are the realised one's and knew the value of money.Our own Narayanmurthy,Billgates and so many otheres are done the same.have a nice day.

Solace from inflation: Companies hike salaries by 40 per cent

2011-03-21T23:15:00.002+05:30

PTI, On Monday 21 March 2011, 2:14 PM
New Delhi: With day-to-day living turning costlier, companies have raised salaries to as high as 40 per cent especially at the junior levels, say experts.In recent times, inflation has been at high levels due to soaring prices of essential commodities.

"Inflation has affected the salary hikes towards the higher side," executive search firm GlobalHunt's director Sunil Goel told PTI.

"As inflation has raised cost of living, so direct impact is visible more at junior and entry level where companies have increased salaries up to 30-40 per cent," he said.

Last month, inflation climbed to 8.31 per cent as compared to 8.23 per cent in January. Food inflation stood at 9.42 per cent in the week ended March 5.

As such attrition rates along with inflation had prompted companies to enhance the overall basic salary structures to "15-20 per cent at all the employment levels", Gi Staffing Services' Branch Head (Mumbai) Swapnil Jain said.

India is expected to see one of the highest salary hikes this year at 12.9 per cent, according to global HR consultancy Aon Hewitt. Last year, actual increase was around 11.7 per cent.

"Inflation decreases the propensity to save; therefore the organisations try and match up to the salary packages of the employees to the same extent," Elixir Web Solutions' HR Manager Geeta Verma said.

Elixir is a leading recruitment process outsourcing firm. "The hike in inflation rates has enabled organisations to provide competitive salaries so that ratio of expenses/savings remains proportionate to the increasing levels of inflation," Verma noted.

Aon Hewitt has projected salaries of general/entry level staff to be 12.7 per cent in 2011 as compared to 11.4 per cent last year. It had pointed out the rise could be attributed to high turnover (attrition) rates and high inflation rates.

However, experts feel that inflation has not pushed salaries to higher levels in companies across the board since some entities also look at pay parity for their employees

Source:-http://in.finance.yahoo.com/news/Solace-inflation-Companies-yahoofinancein-3740029152.html?x=0

Best Trading Rules For You

2011-03-11T10:59:00.002+05:30

1. Forget the news, remember the chart. You're not smart enough to know how news will affect price. The chart already knows the news is coming.

2. Buy the first pullback from a new high. Sell the first pullback from a new low. There's always a crowd that missed the first boat.

3. Buy at support, sell at resistance. Everyone sees the same thing and they're all just waiting to jump in the pool.

4. Short rallies not selloffs. When markets drop, shorts finally turn a profit and get ready to cover.

5. Don't buy up into a major moving average or sell down into one.

6. Don't chase momentum if you can't find the exit. Assume the market will reverse the minute you get in. If it's a long way to the door, you're in big trouble.

7. Exhaustion gaps get filled. Breakaway and continuation gaps don't. The old traders' wisdom is a lie. Trade in the direction of gap support whenever you can.

8. Trends test the point of last support/resistance. Enter here even if it hurts.

9. Trade with the TICK not against it. Don't be a hero. Go with the money flow.

10. If you have to look, it isn't there. Forget your college degree and trust your instincts.

11. Sell the second high, buy the second low. After sharp pullbacks, the first test of any high or low always runs into resistance. Look for the break on the third or fourth try.

12. The trend is your friend in the last hour. As volume cranks up at 3:00pm don't expect anyone to change the channel.

13. Avoid the open. They see YOU coming sucker

14. 1-2-3-Drop-Up. Look for downtrends to reverse after a top, two lower highs and a double bottom.

15. Bulls live above the 200 day, bears live below. Sellers eat up rallies below this key moving average line and buyers to come to the rescue above it.

16. Price has memory. What did price do the last time it hit a certain level? Chances are it will do it again.

17. Big volume kills moves. Climax blow-offs take both buyers and sellers out of the market and lead to sideways action.

18. Trends never turn on a dime. Reversals build slowly. The first sharp dip always finds buyers and the first sharp rise always finds sellers.

19. Bottoms take longer to form than tops. Fear acts more quickly than greed and causes stocks to drop from their own weight.

20. Beat the crowd in and out the door. You have to take their money before they take yours, period.

HOW TO USE CELL PHONES?

2011-03-06T21:32:00.003+05:30

'Cell Phone – Suggested Practices for use'
Suggested Practice No 1:-

If you have your cell phone turned on in meetings, restaurants, theaters etc set it to vibrate if it is next to impossible to switch it off. If you have to attend to a call, excuse yourself and answer your phone in a private corner. It is suggested to use SMS during the meetings, if there is any emergency or urgency, sometime backward integration of technology i.e. using cell phone as Pager serves very useful purpose. Senior Officer may like to advise subordinates & Secretary to use SMS while they are on tour or in a meeting.

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Never shout. If the background noise is disturbing, go to a quieter place. If the problem is a bad connection, talking louder will not help so just end the call and try again from a place where the reception is better.

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Be considerate of people standing or sitting near you. When choosing a spot to take or make a call, make sure you are far enough away from other people & that they are not forced to listen to your conversation.

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Suggested Practice No 2:-

Never talk while driving a vehicle. It is not only risky but also unlawful to talk while driving. If you have to attend to a call, just pull over on the side. Make sure it is a parking zone.

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Pay attention to the road. If it is inevitable start using the ear phone, which makes it much easier to focus on driving. One should also be careful to limit conversations in cars to traffic areas and conditions requiring low amounts of decision-making. In high volume, tricky driving situations, it is better to either turn the phone off or lets it ring.

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Suggested Practice No 3:-

Volume - Speak softly. The cell user should be careful to speak in hushed tones, knowing that a mobile phone has a sensitive microphone capable of picking up a soft voice.

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The cell user also sets the ring tone at a low level with a tune that is soft, gentle and not annoying. The more crowded the situation, the quieter and softer the volume of voice and ring. The cell user moves to vibrate in any situation like a workshop or a meeting where a ringing sound would prove disturbing to other people. The cell user should try to gain as little phone attention as possible. The goal is to communicate effectively without anybody else noticing or caring.

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Some people seem incapable of speaking on their cell phone in a normal tone of voice. Perhaps they are subconsciously worried that the party on the other end cannot hear them very well, so they double and triple their volume. Sometimes it seems as if they are shouting.

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Suggested Practice no 4:-

Proximity - Keep your distance. Each person is surrounded by a personal space. This space provides feelings of safety and calm, especially in crowded places. The smart cell phone user respects the personal space of other people and tries to speak in places 10-20 feet or more away from the closest person.

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If there is no private, separate space available, the smart cell phone user waits to speak on the phone until a good space is available. Sensitivity to other peoples’ needs and comforts is a sign of good character. Crowded rooms, lines and tight hallways are not good places to carry on phone conversations.

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Next time you find yourself in a crowded space, watch the reactions of non mobile phone users to those who speak loudly into their phones while standing next to them.

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Suggested Practice no 5:-

Content - Keep business private. Many personal and business conversations contain information that should remain confidential or private. Before using a mobile phone in a public location to discuss private business or issues, the cell users should make sure that there will be enough distance to keep the content private. Some stories, some issues and some conflicts should be saved for times and locations that will allow for confidentiality.

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Suggested Practice no 6:-

Tone - Keep a civil and pleasant tone. The cell users should know that others might overhear a conversation, so they are careful to maintain a public voice that will not disturb others. At the same time, the cell user should know that certain types of conversations may require or inspire some tough talk or emotional tones. They reserve these conversations for more private settings.They do not fire employees, chastise employees, argue with a boss or fight with a spouse or teenager on their mobile phones in public settings.

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Suggested Practice no 7:-

Location - Pick your spot. Some locations are better for conversations than others. They offer more privacy and less noise. By keeping the mobile phone turned off much of the time, the smart cell phone user is able to handle incoming calls under good conditions rather than struggling against interference of various kinds such as flight announcements in the hallways of an airport.The cell users must learn, which spot will offer the best signal and the best conditions. Rather than hold an important business discussion or negotiation under poor conditions, the careful cell users should wait for good conditions in order to make the best impression and provide a professional communication experience.

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Suggested Practice no – 8:-

Timing - No cell phone before it’s time. The cell users must have think about when to turn the phone on or off. There are many situations where it would be rude if a phone rang, interrupting the transaction at hand. Stepping up to a service counter, entering a restaurant or joining a meeting, the cell savvy user turn off the phone and relies upon voice mail to take incoming calls.There may be sometimes when a particular incoming call or message requires an exception, but the vast majority of callers do not require immediate access.carboy

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Suggested Practice no – 9:-

Multi-Tasking - One thing at a time. Some folks are better at juggling many tasks at the same time than others, but there are some things in life that deserve your full attention. The busy person multi-tasking at a desk can be a wonderful model of efficiency, handling, phone, keyboard, tea cup and remote control all at the same time, but at other times, multi-tasking can be hazardous, rude and inefficient.

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The above practices have been evolved over the period through interactions and experiences and require practicing them more than only registering them. Let us give our best.

2011-03-04T20:19:00.002+05:30

Anger

Anger is an energy that can be transferred. i read a strory about a Zen Monk who attained enlightenment by just tranforming his anger to the higher conciousness.Here the story go's..A zen monk who used to go inside the lake in his boat and stay back in the middle and do his regular meditation/sadana....

Once he went inside and sat for meditation with closed eyes..while he was meditating he felt another boat was hitting his boat again and again.He was disturbed so much and furious and just came out of his meditation to throw the anger out who is hitting his boat.When he opened his eyes he saw nothing infront as he assumed.There is an another Boat which is empty that was hitting his boat.There is no boat man to shout at..he felt all his anger is futile and there is no one to show his anger except an empty boat..He does a wise thing as the anger was so intense he just turned the anger within and that was tranformed and lead him to attain enlightenment.

So,when you are angry...let the angry be there in you as intense as possible and be aware of your own anger and with nobody you are going to show except turning back unto you, inwards and traform it.

Anger is no bad..its enrgy like Desire.But how you transform and make it is really matters much.Please don't take this as Anger mangement.It need not to be manged but need to transformed.

Chart Of the Day

2011-03-02T18:42:00.004+05:30

Our Nation's Demand and production of Electricity is gone up massively than the other Agri-commodities.In the last 90 years, the production of power is gone up more than 3 times and it is expected to grow more in next 5 years time.This indicates the power producers/alternate power suppling companies has bright prospects on the coming years.The global power demand may make the crude price to go up and reach new high.

Saudi Stocks Slump Most Since 2008 on Concern Unrest to Spread

2011-03-01T22:15:00.001+05:30

Saudi Arabia’s benchmark stock index plunged the most since November 2008 and entered bear-market territory on concern political unrest in the Middle East may spread to the kingdom.
Al-Rajhi Bank fell to the lowest in a year and Saudi Basic Industries Corp., the world’s biggest petrochemicals maker, tumbled 7.8 percent. Saudi Arabia’s Tadawul All Share Index slumped 6.8 percent to 5,538.72 at the 3:30 p.m. close in Riyadh. The measure has lost 20 percent since reaching its 2010 high, the common definition of a bear market. Credit-default swaps linked to Saudi Arabia, used as a measure of confidence although they reference no debt, rose 4 basis points to 140, according to CMA prices in London.
“Performance in Saudi exemplifies that geo-political risk still remains unresolved within the region,” said Omair Ansari, equity strategist at Gulfmena Alternative Investments in Dubai. “We still have rumors of protests within the kingdom for March 11 and 20, which provides for a level of uncertainty, even if they do not transpire. Markets will continue to capitulate due to the inability to price in top-down risk.”
Political turmoil in the region has spread to the Persian Gulf, with protests erupting in Oman and Bahrain inspired by popular uprisings that toppled leaders in Tunisia and Egypt. Websites have called for a nationwide Saudi “Day of Rage” on March 11 and March 20, Human Rights Watch said in a statement yesterday.
‘Flooded With Fear’
“The market is flooded with fear and investors cannot seem to find anything that reassures them of a possible light at the end of the tunnel,” said Amro Halwani, senior equity sales trader at Shuaa Capital PSC in Riyadh. “Right now it’s a rumor- driven market and cash seems to be the safest place to be in.”
Prince Talal Bin Abdul Aziz Al Saud, a member of Saudi Arabia’s royal family, said on Feb. 17 that the kingdom may see protests unless King Abdullah introduces reforms, according to BBC Arabic TV.
The king boosted spending on housing by 40 billion riyals ($10.7 billion) on Feb. 23. The social security budget was raised by 1 billion riyals and he also ordered the creation of 1,200 jobs in supervision programs and made permanent a 15 percent cost-of-living allowance for government employees, according to a statement on state-run television.
Saudi Arabia is the world’s biggest exporter of oil and the largest Arab economy. Crude gained 0.9 percent to $97.81 a barrel at 8 a.m. in electronic trading on the New York Mercantile Exchange.
Cleric
Authorities “should immediately release” Tawfiq al-Amir, a Shiite cleric in the country, who was apparently arrested after he called for a constitutional monarchy and equal rights for the Shiite minority, Human Rights Watch said in its statement.
Al-Rajhi, the country’s largest publicly traded lender by market value, fell 2.7 percent to 71.5 riyals, the lowest since January 2010. Sabic decreased to 86 riyals, the lowest since Sept. 1.
Oman’s measure surged 4.1 percent after slumping 4.9 percent yesterday. The DFM General Index rose 1 percent. Kuwait’s SE Price Index dropped 2.5 percent and Bahrain’s BB All Share Index fell 0.5 percent. Abu Dhabi’s ADX General Index retreated 0.6 percent.
To contact the reporters on this story: Zahra Hankir in Dubai at zhankir@bloomberg.net; Alaa Shahine in Dubai at asalha@bloomberg.net
To contact the editor responsible for this story: Claudia Maedler at cmaedler@bloomberg.net

Article Source:-http://www.bloomberg.com/news/2011-03-01/saudi-stocks-slump-most-in-world-on-concern-unrest-may-spread-to-kingdom.html

BUDGET-2011-12. HIGH LIGHTS

2011-02-28T20:16:00.003+05:30

The budget 2011-12 was announced today 11 am by the Finance Minister Parnap Mukarji .The indian market witnessed huge volatality after 11.30 hering the flash news in media.The speculators took it up in no time and at the end during market closing the Nifty and Banknifty almost back to squre one ...!! in between the jerk in banknifty was shown 430 +points and Nifty was 170+points.Anyway lets see the budget highlights now.

The Fiscal deficit was down from 5.5 to 5.1 and it was below the expectation levels.
The income Tax slap is raised for male tax payer from 1.6 lak to 1.8 laks.
The senior citzen age limit has reduce from 65 to 60.
The priority home loan raised to 25 lakhs.
The service tax for hotels above rs.1500/-

The FM also indicated the inflation can be controlled in 2012 and new tax for Goods&services will be introduced.

The limit for investment in corporate bonds by foreign investors will be doubled to $40 billion, with the entire additional investment to be eligible only in bonds issued by infrastructure companies.
•Education was in focus as well, with the finance minister saying a whopping 520 billion rupees has been set aside for the sector.
•Stocks of iron ore companies fell as the finance minister said the iron ore export tax rate would be increased to 20%.
Mr. Mukherjee said it is crucial to sustain agricultural production, a key political issue now with food inflation drawing protests across the country. The government will provide 3 billion rupees each to raise the output of coarse cereals, pulses and palm oil. "Maybe 3 will be my lucky number," Mr. Mukherjee said.
•Other measures to help the agricultural sector include: A plan to set up 4 million tons of additional foodgrain storage space by March 2012, a 4.75 trillion rupees farm loans target for the fiscal year and setting aside 78.6 billion rupees for the country's farmer development program.
•300 billion rupees of tax-free bonds will be issued to help fund infrastructure Development.
•India will aim to raise 400 billion rupees by selling stakes in state-owned companies in the fiscal year, but the government will retain least 51% ownership and management control, as stated in the previous year's budget speech.
•Mr. Mukherjee expects a net revenue loss of 115 billion rupees from changes in direct taxes, and a net revenue gain of 113 billion rupees from amendments to indirect taxes. The Direct Tax Code will be effective from April 1, 2012. The overall net tax revenue is likely to be 6.64 trillion rupees.

Mumbai office mkt sixth most expensive globally - survey

2011-02-23T23:53:00.003+05:30

On Wednesday 23 February 2011, 5:07 PM
MUMBAI (Reuters) - Mumbai has been ranked as the sixth-most expensive office market in the world, according to a global survey by property services firm Cushman & Wakefield.

With office rentals in its main business district averaging $114 a square foot per year, Mumbai ranks behind Hong Kong , London, Tokyo, Rio de Janiero and New York, the report said.

Rentals for Class A space at the Nariman Point area in south Mumbai typically range between 300 to 400 rupees per square foot per month. Mumbai had been ranked No. 5 last year in a similar survey.

Cushman & Wakefield said lack of new supply and limited demand for office space is likely to keep office rentals stagnant in Mumbai.

Property prices in Mumbai and Delhi have more than doubled over the past 18 months, spurred by rising incomes and a firm stock market, but sales volumes are down by a third from a year ago as high prices and rising borrowing costs deter buyers.

The Reserve Bank of India (RBI) has raised interest rates seven times since March 2010 to curb stubbornly high inflation, further hurting demand.

India's top seven cities hold total office space of 280 million square feet, and this is expected to rise by another 50 million square feet in 2011.
(Reporting by Prashant Mehra; Editing by Aradhana Aravindan )

Source:-http://in.finance.yahoo.com/news/Mumbai-office-mkt-sixth-most-reuters-108625834.html

2: Never forget rule No.1.

2011-02-18T11:18:00.001+05:30

"Rule No.1: Never lose money.

Rule No.2: Never forget rule No.1."

There seems to be some perverse human characteristic that likes to make easy things difficult."

"Wall Street is the only place that people ride to in a Rolls Royce to get advice from those who take the subway.""We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.""If a business does well, the stock eventually follows."..."It's far better to buy a wonderful company at a fair price than a fair company at a wonderful price.""Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it.""Why not invest your assets in the companies you really like? As Mae West said, "Too much of a good thing can be wonderful".""Wide diversification is only required when investors do not understand what they are doing."

Guardian Angel

2011-02-06T11:03:00.002+05:30

A man was walking in the street when he heard a voice. “Stop! Stand still! If you take one more step, a brick will fall down on your head and kill you.” The man stopped and a big brick fell right in front of him. The man was astonished.

He went on, and after awhile he was going to cross the road. Once again the voice shouted: “Stop! Stand still! If you take one more step a car will run over you and you will die.” The man did as he was instructed, just as a car came careening around the corner, barely missing him.

“Where are you?” the man asked. “Who are you?”

“I am your guardian angel,” the voice answered.

“Oh yeah?” the man asked. “And where the hell were you when I got married?”

Investment woes

2011-01-26T23:54:00.005+05:30

Dear Friends,I am here posting one of my friends cum 'SEED' Yearly client- Captain.Udhay Kumar and his experince with the Mutual funds investments . he invested in MF and his investment depreciated instead of growth.He shared his dis-comfort with me over phone and also send his post link to me.I would like to post the same here for my... friends here...Hoping this will be usefull unto all of you.You can learn something about investments.Mainly where not to invest and expect massive growth.

Its a kind of alert for all investors.

Link>http://earnfrominternetfree.blogspot.com/2011/01/investment-woes.html

'Investment woes '

Wednesday, January 26, 2011at 1:06 AM

I had a great learning experience recently, in fact less than a week ago. I learnt that I am financially still very uneducated. I can live with that but what is bitter and unpalatable is the fact that the financial world where we invest our savings to reduce the tax burden and hope for a sizable growth in income, would prefer us to stay that way.

The year was 2008 and it was the beginning of the year and I was on the look out for a lucrative ELSS option where I could park my 1.0 lacs and avoid taxation on that amount.

The rest was easy. Very prudently I was advised to diversify my investment into more than two investments and what better than Mutual funds and ULIPs, I was told.

I invested 60000 that year .

1. Fidelity tax advantage fund - 20000

2. Life Stage pension plan withICICI Prudential - 20000

3. Reliance Mutual fund - 20000

The rosy picture that was painted suggested that I would be richer by 6-10 lakhs in three years time.Since the lock in period was three years, over the three year period from 2008-10 I had invested 1.80 lakh. So far so good. My wife who is less educated than me but is more shrewd in money matters consulted her friend and came to the realization that we should open a de-mat account and invest directly in the equity market shares every month and let it stay there for long term benefits. Her friend had advised her not to pin high hopes on mutual funds, pension plans and ULIPs. I ignored her advice.

I resigned my job in 2008 and joined another company where I was not able to survive the probation period and from Oct 08 to Jan 10, I was without a job. In Jan 10 I got a job and was paid for six months and ever since I have not been paid my salary. But things are improving and I will start getting my salary from February.

Fast forwarding to 2010 . It is the month of January again. I have no money to invest in my mutual funds , pension plans. I have no income, so where is the question of 80CC exemption.I decided to visit my financial partners ICICI Prudential , Reliance Mutual Fund and Fidelity to see what is my current investment worth after 3 years.

The current investment is listed below.

Name ............Inv amt..... Curr. value...... Surrender value after 3 yrs

1.ICCI Prudential.....60000.... 66000.....61000( 92% of current value approx.)

2. Reliance Mutual fund ......60000......56000....53000 (95% of current value)

3. Fidelity ...................60000 .......56000 ...yet to redeem.

I have made the redemption request for the first two and should have the 1.14 lacs in two weeks time. Fidelity, I have a few change of bank address issues and will be able to submit my redemption request after 2 weeks.

I am not sure if the value is going to remain at 56 k or fall further. I don't know if I should spend this money and hope for the best. My wife is still hopeful and I have started listening to her advice. I want to meet that friend of hers who suddenly seems so wise.I have decided to open a de-mat account.

I am closing in on the half century stage . I am hopeful that I will earn for another 20 years and be able to survive and look after my family of four.

I have one simple question for the cos. mentioned above ' Are you guys so incompetent that you cannot show a growth of 15% per annum for 3 years, What do you do with the money invested by people like me ?

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2011-01-23T00:28:00.006+05:30

Technical analysis says that when ever a stock price rises, it will continue to rise till there is break. This continuous rise in the price of the stock is known as 1.Uptrend. On the other hand when ever the price of the stock falls, it will continue to fall until the situation changes. This is known as 2.Downtrend. A chart is a combination of up trends and down trends.

As a investor or analyst we need to figure out the starting point of the uptrend to take a position and ending point of the uptrend so that we can make maximum profit. Similarly a buying decision in down trend can be taken at the end point of the down trend. Hence we use various methods in technical analysis to identify these trends.

In the chart shown above the price starts falling and the trend become DOWN, and the price again move up and the trend Become UPTREND.You can view/identify both these trends a line drawn in the chart.

There is another trend is called 3.SIDE WAYS.

In side ways trend the price will held in a narrow cage and move side ways.When this happen we will not have buy and sell chances.Where us in up trend one can buy at low and sell at high.In Down trend one can sell at high and buy at low.The price differences between buy and sell is your profit.

How to identify when to buy/sell !!!

We need to understand various technical parameters/analysis.There are so many indicators and chart patterns through which we can identify/will know when to buy and when to sell.It is a big study.We will discuss one after another ...

How to make the best use of bear market?

2011-01-18T19:07:00.003+05:30

When ever I inform the market may trend lower I get lots of queries questioning my views.

Investors are worried about the bear markets as they tend to lose a lot of money when the market turns down. In fact we can turn the bear market to our advantage. We have to understand that every crisis creates opportunity. If you understand this maxim then you can always make money in the market. Technical chart patterns foretell the bear market by showing distinctively bearish formations, marked by lower highs and lower lows. Prices that had previously supported market declines will be broken through and new lows established on a daily or weekly basis.

Once you recognise this pattern you should be ready for a big opportunity.How to make money in the bear run?

We should increase the cash level when we recognize that the bear market is coming to start. Once stocks have declined by a large amount, we should know to pick undervalued stocks and start buying again. Often times the bear market is closest to the end when the majority of investors and the general public are most pessimistic, convinced there are sure to be lower prices and rougher times ahead. Once you know to recognize this trend you should invest in value stocks and stay invested in them even if they tend to go lower. This way you can make huge money in the market and the legendary investors like Warren Buffett, Ben Graham and Philip Fisher have made tons of money in the market by following this simple strategy. In the last bear run we had given several stocks which had gone up by at least 5 times in short span of time. Let us welcome the bear run and learn the simple technique of making money.

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‘HAPPY PONGAL’

2011-01-14T11:52:00.002+05:30

Dear friends,
Wish you all ‘HAPPY PONGAL’ (or) ‘MAKKAR SANKRANTHI’

The Pongal festivals is one of my favorites.In our culture we have many meaningful festivals.Pongal is one such.

The Pongal is the clebration to show all our love and gratitude towards Nature(Sun,moon,rains&all seasons) Farmers and the cattle animals like cow,bulls.On the day of pongal we worship the nature mainly SUN.We offer the sun all our surrender and show our gratitude.Without the sun light no plant can grow.The photo synthesis is done by the sun light.The over all nature and the seasonal changes,the rain in time all help the farmers to make a better yield.We also thank our farmers hardwork.

In the villages of tamilnadu the pongal will be really clourfull.The previous nights of pongal the street in front of the house will be cleaned and cultured to draw many varities of KOLLAMS.In this kolloam you can mainly notices the picture of sun,farmer,pongal pot,sugar-cane etc.They express the gratitude to all the “ADIHITHI&PIKRUTHI” Deava’s(GOD).The sweet pongal is made in the street just before the sun rise.when the pongal is cooked the pubbles that comes out during sun rise is special.The women will make a sound of twisting the toungues.Its very unique sounds and really vibrates one nerve.The childrens all shout ‘Pongallo Pongal’.It is really a rare experience to be felt. After the sun rise they offer the food to crow’s and once the crow touched food then only the people will eat. What a kind of offerings it is. Really a much matured way of doing things. Our forefathers discovered this festival to share our love with every one.

In my childhood days we get up early around 4am in the morning and in the cool climate we will swim in the river and come soon home to help my parents to make arrangements in the street to make sweet pongal and place all varieties of vegetables in a decorative way and all these meant to offer the sun god.

Think once….???
Can you eat one meal without the support of farmers, sun or mother earth?
It is impossible. We all are totally depends for our each meal in the support of Adithi&Pikruthi.Our food supply chain is in complete without the supports of our farmers.in pongal we include all nature,farmers,animals etc to show our love& Immense gratitude.

The children will go to the elders and touch their feet to get their blessings. Mainly in the joint family it is really much joyous. The grand parents love their grand children’s and bless them and offer little money to show their love. I used to have a collection of so much money during my child hood. Those day’s the 20 paisa is big money for a child. I used to get Rs.20-30 in those 2days and enjoy my school days by spending.

The day before pongal is called POGI.where the unwanted house waste will be burned.The next day to pongal is called Kannu/Mattu pongal.The cattle like cow&bulls are cleaned/bathed and whole of its body and horns will be painted .The neck will be tied with flowers and so many gift items and money.The cow/bulls offered a pooja and they allow it to move freely.the children on the street are eager to plug the gift form its neck..the cow’s run fast and they chase and catch it.Who ever get the gift considered to be the lucky one.The other version of this only called Jallikattu where they fight with bulls.It is considered to show the braveness of men. Some how I hate this. Because this is dangerous to men and torture to the bulls.

Anyway wish you all happy pongal.

2011-01-10T19:35:00.004+05:30

Technical Analysis’ Based on three assumptions-

1.The Market Discounts Everything.

2.Price Moves In Trends.

3.History Tends To Repeat Itself.

Mission of Technical Analysis:-

Foresee the trend in advance and beat the crowd.
The Overall markets are 80% Psychological and 20% Logical.
Thousand and thousands of people make their first trade everyday.
Technical Analysts employs tricks to take advantages of ‘Dump Money’
The photo shown here is Larry Williams>- Larry Williams one of the pioneer in TA,Entered in trading competition and returned over 20,000% in a year

Larry Williams is one of my roll models in field of 'Technical Anlysis'.He is the one who found the 'Williom R%' indicators.He has devised many such indicators and still not reavealed it to the public and use all his tactics for his own trades and almost win in all his attempts and made massive wealth.

DO YOUR DUTY WITH FULL INVOLVEMENT

2011-01-09T13:21:00.003+05:30

NO MATTER WHAT YOU MAY DO..

DO WITH INVOLVEMENT (OR) DEDICATION".

Here a story that will make you the importance of one's duty.Like krishna says in Karma yoga do all your duty without expecting the fruits.Any karma Yogi does this and attain the Pinnacle....

An elderly carpenter was ready to retire. He told his employer-Contractor of his plans to leave the house-building business and live a more leisurely life with his wife, enjoying his extended family. He would miss the paycheck, but he needed to retire. They could get by. The contractor was sorry to see his good worker go and asked if he could build just one more house as a personal favor. The carpenter said yes, but in time it was easy to see that his heart was not in his work. He resorted to shoddy workmanship and used inferior materials. It was an unfortunate way to end a dedicated career.

When the carpenter finished his work the employer came to inspect the house. He handed the front-door key to the carpenter. "This is your house, he said, "my gift to you. "The carpenter was shocked! What a shame! If he had only known he was building his own house, he would have done it all so differently.

So it is with us. We build our lives, a day at a time, often putting less than our best into the building. Then with a shock we realize we have to live in the house we have built. If we could do it over, we'd do it much differently. But we cannot go back. You are the carpenter. Each day you hammer a nail, place a board, or erect a wall. "Life is a do-it-yourself project," someone has said. Your attitudes and the choices you make today, build the "HOUSE" you live in tomorrow. Build wisely!

"DO YOUR DUTY WITH FULL INVOLVEMENT AND LOVE.NO MATTER WHATEVER YOU MAY DO,DO IT WILLINGLY OR NEVER DO IT"

Save Water

2011-01-03T10:13:00.004+05:30

"Save Water" and Save Our Environment.

Count each drop's of water that you may waste without awarness.Water is one of the precious drink of mine and almost all of us. No Water; No Life....The body compositin is almost made of 70% water.

In India we are paying for a cast to get a quality drinking water.What a shame is this !! The basic responsibilities of any Govt. is to provide basic amenities to all its citizen.

Providing the quality drinking water is one of those.Where us here many so called water manufaturing factories seems to follow no standard.Each day there are new water companies that grow like a mushroom.We as a citizen paying money for water and inviting trouble for our own health.The Filtering/purification or the plastic material (They dont wash it seems) all are substandard.But still we have no way out.we all depends on these suppliers for our need..There is a way out...

I saw in news paper some time back- a chennai based 'iit 'students deviced a equipment which suck the atmosphere air and filter the O-2 & Hydrogen and composite into H2O.here the water is 100% pure in quality.Every house can hold this to fullfil the family driking water needs.

The Govt/Funding agencies/Ngo's join in hand to support this mission and eradicate many sub-standard water units from our nation.not only that here the water comes almost free of cast.Encourage young innovators more to achive this mission.

Also remember the poltician failed out to connect all our rivers into one. so the the water that go to ocean can be saved/used for producing more agri commodities..It is a very huge project that may require billions of dollars but still worth doing it.The china has already done it and set an iconic example . why not we indian.The people are in power,the public,the farmers all do their support for this cause.Lets continue of effort.stop not till things are accomplished.

Laughter

2010-12-30T21:01:00.003+05:30

‎'A day without laughter is a day wasted'

Remeber this quote and follow in your 2011.

Let each day in 2011 make you delightfull.

Do not post-pone your Laughter in a single moment by just thinking of your current worries that burdens you...just ignore it and be happy for no reasons.

The next moment in life is going to born out of this moment that is right now,here...i think the word 'PRESENT'- coined out of the word 'PRESENTATION'(Gift).Each passing moment is a presentation life unto you.its better to be in present.

So just be happy and delighful now and let your following moments/days blooms out of this happiness.

My ART Critics

2010-12-25T23:26:00.005+05:30

Amir Work
art vilage garden sculpture

broze work

(You can view more about this village here in this book)

Basically i am an art lover.Our nation is rich as far as any forms of arts are concerned.

The arts i means here is, Fine arts it consist of both visual arts and performing arts.

The December-chennai is not just cool it is more chill for music lovers.That will make all music lovers cheer-up.December music seasons is very special, that too one happen to be in chennai..The music lovers from the globe visits here for this festival...not just lovers but the performers too fly from far distances like US,Canada,europe etc.to chennai.Tamilnadu.

I see many people of indian orgin from USA visit here to perform.That shows they need to be intact with our own culture..though i saw many performers seems still a learner but curious to perform on stage.This happenings- becuase,we lost the touch of our ancient Gurukulam Environment.I have heared few vocals & instrumental musics its good but not enough.

As a layman i could found many flaws , but loved one thing about these young muscian's are making our culture allive and can potentially carry the same to the forth coming generation as well.So we must applause to all of them.

Today i visited Cholamandalam Arts Village in injambakkam,which is close to Mamallapuram.As a friend of mine, who is artist by profession.

His name is- Mr.Amirthalingam.

he has done both his BFA& MFA from college of arts chennai.He is a man of silence but his art speaks louder .I Know him past several years. i have seen him doing live portrait .Really good at line drawings.Since after long time, i met him today, he is grown up,so don't want to put him in a shell...he just enjoy his creativity and seems live in spontaneity. He also mentioned to me he worked in few tamil films as an art director.What i personally like in him is, his simplicity and down to earth approach.Wish him to set some mile stone in 'contemporary art'.

This group show done by 3-other budding artist with Amir.So, it is named as 'CHATUR'( sanscrith-chatur means-4)

Venu place: AT Cholamandal Centre for Contemporary Art (CCCA) at. Cholamandal Artists' Village, Injambakkam, Chennai – 600 041.

Time: 9 am to 7 Pm till 29th December.

As a art critic i must submit my observation in a professional terms here.

Amirthanlingam's (Artist,chennai)-

Work can be divided into two categories:

The more spontaneous ink drawings from his village,and the painted compositions bordering on dream-reality.Political concerns,effacing rural beliefs and rustic eldorado,find place on his canvas.In his paintings he uses a hybrid style,mixing real images such as skulls and crows,with dream colours such as pink placid sky and illuminated peacock,thus lending surrealism to his paintings.His 'ink-works' in black radiate energy and express a joy of village life.

Amirthalingam was taught by Mr.Chandru, Ex-principle of college of arts.While i am in deep conversation with him, he has immense gratitude for Mr.Chandru and the Late-World renowend artist Mr.Santhanakrishnan.

I too have seen Late- Santhankrishnan work , i am no way eligible to speak/comment are say anything about his work...he is the reall master in arts i have seen..That too the line drawings the depth he shows in all his art form/objects is simply mind blowing. He lived for arts.The chennai college of fine arts has produced many wonderfull artist to our indian art community.

i must mention few facts about this art village.

Next time when you happen to be in chennai do visit here.

The Cholamandam Artists Village, situated about 9 kms from Chennai city is a haven for art lovers and artisans alike. Way back in 1964, the principal and students of the Madras School of Arts and Crafts set up this institution that has come to be recognized as a significant school of art and crafts.

At that time, there were no institution or outlet for those seeking to pursue a career in arts. The Late K.C.S Paniker was one of the pioneering spirits behind the Cholamandalam Arts Village in Chennai. Artists live as a community and pooled together their skills and resources.

The Cholamandalam Arts Village has a permanent art gallery to hold exhibitions. Sculptures made of granite; wood, copper and bronze are created within the Artists Village. The open-air theater is a platform for performing artists or even poetry reading sessions and dance recitals.

Indian arts such as batik and pottery and painting are seen in the myriad articles and works done by the artists of the Cholamandalam village. You can view or purchase interesting pieces in terracotta and batik. In fact Cholamandalam has grown to be an important hub or meeting place for international artistes in sylvan surroundings. ( one must see the lanscape...very amazing it is.)

Above all i enjoyed my day with artist also met a artist who is currently in Singapore.Close to this gallery beach is there.I went and enjoyed my play in beach.

Whistle Blowing

2010-12-23T11:09:00.017+05:30

In management we call a term 'Whistle Blowing '

What it is?

In any corporate the information must flow from up to down and down to up.This will keep the overall corporate in a close net.I mean well knitted.it is also known as 'MIS'(Management information system).Whatever the top management desire to achive it has to pass the same information to all relevant field/Dept like Sales,Marketing or Production etc.This will enhance the team work and all sub-groups teams will function as a whole corporate team and achieve whatever they wish.

The corporate governance needs skilled strategy to build strong to fullfil all it needs in terms of growth,profit and also socially responsible corporates-Like Tata/infosys etc.Here the flow of communication is very important.Any mis-communication to the mass may spoil the corporates image on the public.The MIS must be intact in inter/intra -personal realationship.

Often many corporates faces problem with many un-satisfied employees.Though they are not upto the expectation of the employer but still expect all benefits...its kind of doing nothing and expect everything.The management evaluate this people in terms of skill,team work,moral value etc and they may cut down the increment during performance appraisal.Such situation these people will create nuisance to their employeer in many ways one such thing is called 'Whistle Blowing'.

The people who knew all will be quit or the people who know nothing is also not a problem.But the people who knew little is dangerous..Because they make mess out of everthing and always look out for chance for blow up or threading.So be carefull while dealing with half-baked person.These people will blow up anything to a mess..and try to gain/expose others privacy and pull them down to the possible extend.They magnify useless things to a controversial one.This is what we call 'Whistle Blowing'.

Whistle Blowers are mainly comes from shop-floor and mid-management level.These people speak nonsense and try to pull all attention and finally make out their gain.Usually they join with some union and misuse the power of that union.In family or friends environment also same thing may happens.Be alert and stay cool/away with this type of people.They may intrude your inner circle and take you a ride at their best,so keep them in a distance.The whistle blowers has attitudinal problem they usually shows/express their inferiority complex by doing such act.Their mindset is not healthy enough,they are sick people..just move away from them.One can not change them that easily,so it is better to avoid them.

Be Peacefull

2010-12-22T09:57:00.004+05:30

'Do not apply Logic mind when it is not required.

It may take away your peace.'

Let your being enjoy of being "JUST BE"

The Role Of Fundamental Analyst and Technical Analyst

2010-12-21T11:18:00.007+05:30

Both Fundamental & Technical Analysts are the best for day trading and long term investment.

Let me give you the recent example:

After the LIC Housing Loan scam hit in news, the market fell down sharply and mainly the realty stocks touched new year bottoms. We gave a sell call based on news In 'CORE PROJET' near 240 and it fell down to 150 level .We covered short and also double bought based on fundamentals. it is worth to buy&hold for Rs.150..Same day it gone to Rs.250 and we sold it fully.

Many of our clients sold 100 qty- at Rs.243 and bought at Rs.155 and freshly bought at Rs.147 and sold in Rs.235 level.We made a gain of 88+88=176 points in intraday itself.The net profit in Intraday was 100X176=Rs.17600/-

We sold it, based on technicals and bought it based on the fundamentals of this stock.Thats what we used to insist buy value based stock at right time.We had an opportunity to buy at low &sell at high in core project..This may happen once in a blue moon,the investors need to wait like a 'Crane' which used to wait on the running water standing in one leg to catch the 'fish'. Even now the Current market price is around Rs.310.So what i say here is,both are good at its own way. it is upto the analyst who apply it in day trading.

Smart Investor's

2010-12-13T13:50:00.001+05:30

Sivashankaran is considered to be a smart investor who buys and sells companies at the right time and at the right price.

In 2004, Sivashankaran bought a 65.4% equity stake in the Barista coffee chain from Turner Morrison for Rs 30 crore and in March 2007 sold the entire stake to Lavazza of Italy for a cool Rs 480 crore.

Earlier in 2009, Sivashankaran had bought a 66% stake in Hindoostan Mill land, in Central Mumbai for Rs 310 crore from DLF, when the real estate sector was undergoing lot of liquidity crisis. The land is expected to fetch him at least Rs 1500 crores as of now. This should give an idea about Sivashankaran's investment ability.

2010-12-09T23:44:00.001+05:30

Nobody is imperfect - Osho

2010-12-06T11:24:00.004+05:30

"Nobody is imperfect; hence nobody needs to be perfect."

All that is needed is to live your life totally. Perfection is already there. We come from the perfect; hence we can't be imperfect. We are born out of the ultimate, we are waves in the ocean of god. So whatsoever is the quality of god is the quality of the waves.

If god is perfect, we are perfect. So the very idea of becoming perfect is absurd. There is no need to become perfect, everyone is already perfect. But we are not living that perfection in its totality, we are living at the minimum. We are not using our potential, we are using only a minor part of it - scientists say not more than seven percent. Ninety-three percent potential is simply lost. And it was already there, available to for us to use. When you live a hundred percent you are really using the great opportunity that god has given you. And only at a hundred percent the transformation takes happens, never before it.So my effort here is to make you love life as intensely as possible, to live each moment as wholly as possible, and slowly slowly something starts unfolding in you, and you start discovering yourself. The more challenges you give yourself, the more you discover."

The Investors Need To know

2010-12-04T13:02:00.022+05:30

As we are providing multtibaggers investements tips for long term...We do face many questions from many people.The majority ask us, is it the right time to invest? Will it double in short term?(1-4 months). if stock prices comes down what shall we do? can i get income every day?

We attempt to answers such kind of questions here:-

Q1- Now Market is in its peak , is it right time to invest? or

if correction comes what shall we do?

The real investors need to

'Buy business,Not Stocks '.

Eg-

If you buy 'infosys' stock today and when you see a stock price falling down 5-20% instantly you fear and start selling to safe-guard your money. This is not value investing.When you invest in a company you have to analyse well before investing ,not after.One need not to bother for the stocks price that fall&rise's. The Market price movements is not going to change the fate of that particular company or the company will not shut down tomorrow and run away with your money. The Tata's,Birla's are successfully running their companies many decades.Infact there are many indian companies running more than 100 years successfully.The market price is not going to restrict the growing companies.The investors need to invest and wait for the yield to harvest.

One need to analyse the business and its future market potential/Growth.When the business or the products demand rises, that enhance the growth(profits) of the company.By and by, the particular company grow stronger year after year, that will be refelected in their balance sheet.The investors need to give much attention to this study of the business model& its cycles.Not just alone the share price movements, that go's up and comes down. Once, you are diligent in this study, you can have better understanding when to buy/when to sell. This understanding will give you 'Massive returns for your small investment'.

The Moral here is-

"Watch Out The Business Growth; Not The Stock Price".

That's why, Investor's like Warren Buffet says- 'Buy The Business;Not Stocks'

_____________________________________

Will the stock price double in short term, if i buy today?

There are many people who come new to stock market used to have a pre-idea about stock market is, yet another casino. One can gamble...if luck prevails one can double his money over night!!.

I just warn, people who has this type of thinking pattern. Because they are the one who make loss in stock market.They are under the holds of 'Greed'. The greed is the first enemy of any investor's.

I have one question for the people who expect their investments gets double in less time?

If you plant a seed , Can you expect it growth and the yield of the fruits in over-night or short while?

or ' You dig the ground every now and then and take out the seed to measure its growth'?

Just imagine, if one start setting up a new plant for manufacturing a consumer goods, how long will it take to establish for manufacturing,marketing and acquiring business? or

Setting up a steel plant and start producing the steel and seeing the company's growth can it happen overnight?

How much time it will take to establish a business set up to take out profits?

For Eg:-
Can A New Mobile Company Acquire 1 crore coustomers over night?
No.It takes time to establish brand names,marketing to the target potential customers and achiving its desired business target. it takes years. It will not happen over night.The stock business is not a Lottery ticket that will give you instant 'JackPot' by its lucky draw.

Think about it.

The Investors need to see the future growth of the particular industry/company participation and its management team , the business model etc.

.
"The stock market is a serious long-term business,
not a make-money-overnight casino."

it really takes much time right from the plant erection, production and acquiring customers and making profit!. So the point here is, the investors need to have patience to see the business growth, allow it to grow...as the business grow stronger the stock value will grow stronger. Day by day, soon or latter the stock will become a true 'MULTIBAGGER'.

The 'power of compounding' is another such, important factor to consider for investments.We will discuss it soon here.

Here are the top tips to avoid snoring

2010-11-29T10:18:00.004+05:30

Sun, Nov 28 02:15 PM
London, Nov 28 (ANI):

The British Snoring and Sleep Apnoea Association has provided tips to cure snoring problems.

It recommends working out whether snoring comes from the nose or throat, reports the Daily Express.

If you can make a snoring noise with your mouth open and closed, try this: stick your tongue out as far as it will go and grip it between your teeth.

Try to make a snoring noise. If it is reduced, you are probably a "tongue-base snorer", meaning your tongue is vibrating and causing the problem. If you are a "nose snorer" you snore with a closed mouth, it says.

The Association lists their solutions as follows:

1. Sleep on your side
The theory is that when we lie on our backs the tongue and muscles in the throat collapse, constricting the airway and causing snoring.
2. Higher pillows
This aims to keep the airways open by supporting the neck so the throat is less constricted. It works fairly well until you fall asleep and slump down in the bed.
3. Breathe Right Nasal Strips
These are supposed to open your nostrils from the outside and they certainly do seem to do this. They can also provide temporary relief from nasal congestion and stuffiness caused by colds and allergies.
4. Snoreeze Oral Strips
These dissolving mint-flavoured strips target the main cause of snoring and are ideal if you tend to snore more when lying on your back. They contain a time-release formula, which coats the back of the throat throughout the night and reduces the vibrations of the soft tissues, helping to stop snoring.
5. Snoreeze Throat Spray
This lubricates and tones the soft tissues at the back of the throat that vibrate and make you snore.
7. Nozovent
This is a piece of flexible plastic which you push into your nostrils to make them wider and allow easier breathing. It looks like something from the Spanish Inquisition but users report good results.
8. Somno Guard
This is a bit like the gumshield worn by a rugby player, but it is reported to produce good results. The idea is to bring your lower jaw and tongue forward, making more space for breathing. The drawback is that it takes sometime to get used to and is costly.
9. Rhynil Herbal Spray
The British Snoring and Sleep Apnoea Association says its herbal nasal spray shrinks the lining of the nostril, creating more space to breathe. It also tightens the tissue of the roof of the mouth, making it less likely to vibrate. It smells pleasant and a friend who tried it said it reduced snoring significantly.
10. Abstinence
You should cut down on cigarettes or, better still, give up completely. Also, try to have your last alcoholic drink at least four hours before you go to bed. (ANI)

Source:-

http://in.news.yahoo.com/139/20101128/1536/tls-here-are-the-top-tips-to-avoid-snori_1.html

Value Investing and its advantages

2010-11-25T22:22:00.004+05:30

For value investing to work, the investor must find companies that are trading at a market price that is a discount to the intrinsic, or real, value. The difference between the market price and the intrinsic value of a stock is known as the ‘margin of safety’. The margin of safety protects the investor from both poor decisions and down turns in the market. Because true value is very difficult to accurately compute, the margin of safety gives the investor room to make a mistake.

So, value investing is an approach to investing that singles out specific investments; stocks or bonds that are undervalued in relation to similar companies. That is not the same as cheap, however. An undervalued investment may still have a high share price in relation to other stocks in the same category. What is important is the relative value of the stock using tools such as the P/E ratio, price to book ratios, and other tools of fundamental analysis.

For many investors who practice value investing - companies that have a solid earnings history, strong financials, a history of dividends, and a sizeable market share.

Value investing is not only based on purchasing good companies at low prices, but holding for the long-term.

Above all the value Investing is also need the du-digilence of the investors(CMP,time of investing in rally/correction etc) ,

"Not buying the right share in wrong time;

but, buying the right share in the right time"

How to find multibagger stocks?

2010-11-23T23:44:00.007+05:30

Rakesh Jhunjhunwala’s tips on how to find multibagger stocks?

Rakesh Jhunjhunwala is not content with sharing his incredible investment techniques with the world (See Rakesh Jhunjhunwala’s investment techniques). Rakesh Jhunjhunwala now lets us in on the all-time important investment secret of all time - How to find multibagger stocks.

Rakesh Jhunjhunwala is the Mother Theresa of the investment world because not only is this Living Legend eager to share his investment techniques with us, he is also happy to let us in on the most well guarded investment secret on how he made his billions .

But, Rakesh Jhunjhunwala, the wise sage that he is, is a man of few words. Rakesh Jhunjhunwala is reticent. When Rakesh Jhunjhunwala speaks, it is because he has something to say and not because he has to say something! So we scoured through hundreds of transcripts to decode Rakesh Jhunjhunwala‘s investment secrets. Now, we are proud to present our own version of Rakesh Jhunjhunwala‘s tips on how to find multibaggers.

Rakesh Jhunjhunwala‘s Tip No. 1: Don’t Look For Multi-baggers
Rakesh Jhunjhunwala‘s first investment mantra on how to find multibaggers is surprisingly different from what you would expect. Rakesh Jhunjhunwala says: "Don’t look for multibaggers. Don’t seek them at all. Let the multibaggers come to you!"

What is Rakesh Jhunjhunwala saying?
What Rakesh Jhunjhunwala is saying is: Don’t go out into the investment world saying "I only want to invest in potential multibaggers". Instead, Rakesh Jhunjhunwala, the Investment Guru, says "Go back to the old-fashioned way of making investments designed by investment maestros Benjamin Graham, Peter Lynch and Warren Buffet". "If your homework is right and you have invested in fundamentally sound companies with good growth prospects, your investments will by themselves become multibaggers with the passage of time".

Sounds simple but Rakesh Jhunjhunwala is not content with giving abstract or theoretical advice because this great investment legend already knows that his disciples are a bunch of doubting Thomas and even his words of undeniable gospel will be met with stoic skepticism.

So, Rakesh Jhunjhunwala gives examples of what he means.

Rakesh Jhunjhunwala gives the example of BEML which several years ago was quoting at a pittance because it was regarded as a slothful government enterprise. No investor in his right mind wanted the shares of BEML at that time. But while other investors saw a sluggish government corporation, Rakesh Jhunjhunwala saw efficient management, a great product line-up and effeicient cash-flows. The result: Rakesh Jhunjhunwala got a bountiful; he got his multibagger.

One example is not enough to convince the cynical masses. So, Rakesh Jhunjhunwala gives another example – that of Bharat Electronics – which also was regarded as a Babu-wala company by other investors who couldn’t see what Rakesh Jhunjhunwala‘s discerning eye could. Another humble company turned into a multibagger by sheer passage of time!

Now you are convinced. But Rakesh Jhunjhunwala does not rest. He goes for the jugular. Now, Rakesh Jhunjhunwala gives a counter example.

What would an investor "looking" for a multibagger have bought in the heady days of 2000? The naive investor would have looked around and seen "spectacular" companies like Himachal Futuristic, Global Tele, Pentasoft soaring on the stock exchange, making new highs every day. So, the foolish investor would have tanked up on these shares thinking that these shares were his best bet to net a multi-bagger.

The result: You don’t need the great Rakesh Jhunjhunwala to spell that out for you.
So, now you know why Rakesh Jhunjhunwala says: "Don’t look for multibaggers!"

Yes, the point sinks in and you have understood but then you rub your eyes incredulously and ask "But what do I look for in a share?"

Rakesh Jhunjhunwala is not regarded as the greatest investor in India for nothing. He has a well-considered answer for that as well. And if you think about it, Rakesh Jhunjhuwala’s answer is made up of pure common sense.

Rakesh Jhunjhunwala‘s Tip No. 2: Don’t Look for Profits; Look For Sources Of Profits
Rakesh Jhunjhunwala cautions that most investors obsess about the current sales and profits. They look at each quarter and focus obsessively on short-term profits. "That’s missing the wood for the trees" says Rakesh Jhunjhunwala.

Instead Rakesh Jhunjhunwala says "Look at the sources of Profits. What are the reasons that will give rise to Profits in the medium and long-term term".

Rakesh Jhunjhunwala drives home the point. "Look at the factors and circumstances that will create an opportunity for business in the sector".

Rakesh Jhunjhunwala gives the classic example of Infosys and Wipro. While the average Joe would have sat with his calculator analyzing Infosys’s & Wipro’s PE, ROE and nonsense like that, an astute investor in the 1990s would have realized that an internet revolution was coming in the next couple of years. He would have also realized that the off-shore business segment was booming and he would have tanked up on those shares.

Rakesh Jhunjhunwala gives another spectacular example: That of Praj Industries, a company engaged in manufacture of bio-ethanol fuel. When Praj Industries started out, nobody realized the massive demand that would arise for alternate fuels like ethanol. An investor would could have foreseen that would have had his multibagger.

Rakesh Jhunjhunwala‘s Tip No. 3: Forget ‘Large Cap, Small Cap’ Nonsense – Look For Scalability Of Operations:
Rakesh Jhunjhunwala makes two very important points. First, the investing maestro expresses his contempt for the obsession that many analysts and investors have for the debate on whether large cap, mid cap or small cap stocks are better. "Forget all that and Look for Value" he thunders. "If there is value in Large Cap, buy it. If there is value in Small Cap, buy it. But don’t obsess on irrelevant matters", says Rakesh Jhunjhunwala, the one with infinite wisdom.

But Rakesh Jhunjhunwala makes his preference quite clear. He says that given a choice and all things remaining equal, a mid-cap or a small-cap is a preferred bet because the valuations will be low and they can scale it up quite quickly.

Rakesh Jhunjhunwala‘s Tip No. 4: Give it Time, Be Patient:
Rakesh Jhunjhunwala reiterates what the maha investment gurus like Benjamin Graham and Warren Buffet have been advising over the past several decades. Warren Buffet was plain in his advice "Our favourite holding period is Forever". Rakesh Jhunjhunwala gives the same advice: "Give your investments time to mature. Be Patient for the World to discover your gems". Rakesh Jhunjhunwala cites the examples of Crisil, Titan and Pantaloon Retail which he has held on for several years now and has absolutely no intention of divesting them any time soon.

When Rakesh Jhunjhunwala bought Lupin it was just another mid-cap pharma company starting out into the world of generic drugs. What Rakesh Jhunjhunwala saw was a good efficient management which knew its job, a debt-free status, a good product line up and a growing market. That’s all. Rakesh Jhunjhunwala bought and played the waiting game. When the market matured, Rakesh Jhunjhunwala raked in his billions.

Rakesh Jhunjhunwala also fondly talks about his investment in Karur Vysya Bank which he has held onto even after about 20 years since he bought them. He says that his paltry investment of Rs 2,000 is worth several crores today thanks to the patience and conviction that he showed.

Rakesh Jhunjhunwala is never tired of emphasizing that first you must always remember that you are buying a business and not just a little thing that bounces 2% around every now and then. When you buy that business, it must be of a very high quality, one that is capable of growing over time. Having done your hard work, you must wait for the market to do its work and reward you, says Rakesh Jhunjhunwala.

Rakesh Jhunjhunwala‘s Tip No. 5: Don’t get carried away by short-term aberrations:
Rakesh Jhunjhunwala cannot stop criticizing investors who are obsessed with short-term trends. Rakesh Jhunjhunwala emphasizes that he does not worry about quarterly results. If the results are bad in one quarter, he does not get perturbed. What Rakesh Jhunjhunwala is looking for is: Is there a trend? Are the quarterly results showing a trend and suggesting something or are they a mere aberration?

Rakesh Jhunjhunwala also cautions that one should not get carried away by short-term trends. He cites the oft-repeated example of 1999 when investors bought truck loads of Himachal Futuristic, Global Tele, Pentasoft while he used to buy Shipping Corporation and Bharat Electronics because he saw long-term value in them. The Oracle of Mumbai says “Never get carried away by aberrations, recognize and respect them but do remember that the market corrects its aberration though it takes time.”

Rakesh Jhunjhunwala then adds that if the market behaves irrational and punishes a stock for short-term aberration, that’s the time for you to jump in. Rakesh Jhunjhunwala cites the classic example of Titan Watches to buttress his theory. Rakesh Jhunjhunwala says that Titan suffered in a moment of crisis when it went into Europe and lost a lot of money. Rakesh Jhunjhunwala says he wasn’t perturbed because he knew that what is most important for Titan is India’s prosperity. Rakesh Jhunjhunwala envisaged the future and knew sub-consciously that Indians were going to buy far many watches and that the underlying business should be great. So, says Rakesh Jhunjhunwala, in a moment of crisis you can get great valuations and if you can envisage the future where the product could have great demand and great growth, you should use the opportunity to buy.

Rakesh Jhunjhunwala‘s Tip No. 6: Invest in a business that you can understand:
If you look at it hard enough, you will realize that Rakesh Jhunjhunwala‘s reluctance to buy Himachal Futuristic, Global Tele and Pentasoft even in their heydays and his preference to stick to Shipping Corporation, Bharat Electronics and the other tried and tested names reveals another great investment tip from the Prince of Dalal Street: Buy what you know. Do you understand the business enough to be able to know what will happen 10 or 20 years from today. With Shipping Corporation, you can because shipping of goods will continue to happen for our foreseeable future. But you can’t tell that with technology companies which may have a great product today but which may become obsolete in 5 years.

Rakesh Jhunjhunwala‘s Tip No. 7: Don’t worry about the macro stuff like fiscal deficit, inflation etc which are unknowable. Focus on what is knowable:
Another immensely practical tip from Rakesh Jhunjhunwala, India’s greatest investor, for us folk who keep obsessing about currency fluctuation rates, inflation, fiscal deficit, political turmoil is: “Don’t worry about things that you neither know about nor can do anything about. It’s not important. Instead focus your energies on what you can and should know well enough – the business of the company you are investing in“.

Rakesh Jhunjhunwala‘s Tip No. 8 : Don’t Try To Time The Market:
Rakesh Jhunjhunwala endorses the validity of investment advice that has been propounded time and again by the wizards of investment time and again. Never try to time the market because you can never find the bottom of the market. Instead if you are getting the stock cheap in terms of its intrinsic value and future prospects, buy it.

Here, one cannot resist referring to similar advice that Warren Buffet, the Emperor of Wall Street, gives. Warren Buffet points out that Coca-Cola made an IPO in 1919 when it issued shares at $ 40 each. A year later, the share was quoting at $19. You might think that’s a disaster because the share had lost 50% of its value in just one year. After that there was sugar rationing and the farmers were rebellious. Years later, the Great Depression and World War II happened, there were thermonuclear weapons and what not. He says you could always find a reason on why that was not the right to buy shares of Coca Cola. But if you had gone ahead and bought that one share for $40 and reinvested the dividends, your investment in Coca-Cola would be worth $5 Million today.

Rakesh Jhunjhunwala echoes the words of the Oracle of Omaha when he says that you must get right is the business. If you get that right, everything else falls into place.

Rakesh Jhunjhunwala‘s Tip No. 9 : If it’s cheap, buy it- Don’t pass up something cheap today in the hope that it will get cheaper tomorrow:
Rakesh Jhunjhunwala says: If you see the opportunity today, GRAB IT! Many wonderful opportunities are lost to procrastination and then you rue your missed opportunities. Rakesh Jhunjhunwala says that it is not only important to identify the opportunity but then to be decisive and to act on it. Rakesh Jhunjhunwala cautions against getting stuck in a trap where you are perpetually seeking extra information to validate your idea.

In this, Rakesh Jhunjhunwala echoes the wisdom of Warren Buffet, the Oracle of Obama, who in the depths of the great stock-market depression of 2008 inspired investors by his clarion call "

If you wait for robins, summer will be gone".

Rakesh Jhunjhunwala‘s Tip No. 10 : Don’t buy stocks that have a fixed return:
Rakesh Jhunjhunwala‘s next tip seems to be a no-brainer but it is surprising how many investors overlook it. What is the point of buying shares in a company such as an electricity company where the return on investment cannot by law exceed a certain amount, asks Rakesh Jhunjhunwala. But, Rakesh Jhunjhunwala, emphasizes that this logic does not mean that electricity and utility companies should not form part of your portfolio because they offer an excellent defense mechanism to the vagaries of the stock market with the undemanding demand for their product and their predictable cash flows.

Rakesh Jhunjhunwala‘s Tip No. 11: Ride your winners!!
The one question on everybody’s mind is "When do I sell my multibagger?" Rakesh Jhunjhunwala answers with aplomb "Never".

One must be careful to understand what Rakesh Jhunjhunwala is saying here. What the Greatest Investor in India is saying is: "Don’t sell for the sake of selling because you can never say that the 10-bagger today will not become a 20-bagger tomorrow".

But, Rakesh Jhunjhunwala hastens to clarify that this does not mean that one will never sell a multibagger. He gives two situations when even he may sell his beloved multibagger. The first is when he is short of funds and he needs capital to invest in a stock that will give even better returns than what the existing one will give. And second, when the stock market has become so irrational that the perception of earnings and the P/E is unsustainable. Rakesh Jhunjhunwala gives the example of what happend in 2000 when euphoric investors laid bets that Infosys’ earnings would double every year for the next 10 years. Infosys’ P/E at the then current earnings was 100-150 times. So, says Rakesh Jhunjhunwala, when the expectation of earnings peaks and the P/E is unsustainable, that is the time to sell.

Rakesh Jhunjhunwala‘s Tip No. 12: Concentrate, concentrate & concentrate!!
There is a perpetual battle amongst investors on whether a diversified portfolio approach is better or a concentrated portfolio is better.

Rakesh Jhunjhunwala is an unabashed proponent of the concentrated portfolio theory. But Rakesh Jhunjhunwala‘s theory must be carefully understood before being implemented in practice as it can otherwise lead to disaster.

Rakesh Jhunjhunwala emphasizes that one must venture into a concentrated portfolio only after one is sure that he has identified a share that will deliver superior returns to all the other chosen shares. The conviction must be extremely strong, says Rakesh Jhunjhunwala.

Rakesh Jhunjhunwala is not one to take risks lightly so must also be wary of the risks of a concentrated portfolio. In the recent past, we have seen so many excellent companies lose large portions of their market cap almost overnight. Some examples can be BP which was touted as the best buy in the oil space but which owing to the oil spill in the Gulf of Mexico is today regarded as a pariah. Other examples are RNRL which not only lost the battle in the Supreme Court with Reliance but then announced a disastrous merger with RPower which short-changes RNRL’s investors. Aban Offshore is another example which lost its’ Oil Rig Aban-Prince in the high seas and saw its market price plummet 25%. Yet another example is that of Satyam whose founder Ramalingam Raju was felicitated as the "Most Promising Businessman" by Earnst & Young. He later confessed that all profits shown in Satyam were bogus and that he and Maytas Infra had played a

big fraud on the hapless investors.

So, while there are benefits to a concentrated portfolio, one must not be oblivious to its risks, cautions Rakesh Jhunjhunwala.

Dr. Sunitha Krishnan - Indian social activist

2010-11-17T10:57:00.005+05:30

Born in 1969, is an Indian social activist and chief functionary and co-founder of Prajwala (http://www.prajwalaindia.com/home.html), an institution that assists trafficked women and girls find shelter. The organization also helps pay for the education of five thousand children infected with HIV/AIDS in Hyderabad. Prajwala’s “second-generation” prevention program operates in 17 transition centers and has served thousands of children of prostituted mothers. The NGO’s strategy is to remove women from brothels by giving their children educational and career opportunities. Krishnan and her staff train survivors in carpentry, welding, printing, masonry and housekeeping.

Her Video from YOUTUBE>

http://www.youtube.com/watch?v=jeOumyTMCI8

From her Blog-

http://sunithakrishnan.blogspot.com/2010/11/one-year-after-ted.html#comments

One Year After TED
Cannot imagine that one year has gone by, last year during the same time I was attending the TED conference. A conference I went with heavy heart and came back as a elated soul. I remember my first day at TED I was overwhelmed and intimidated. Among all these innovators,scientists, entrepreneurs,performers where do I stand as a activist. I have neither humor to make people laugh nor innovation that can make people look at me with awe. My first evening reception was a disaster to say the least. Within me I felt so insignificant in a world of creativity and power.And then my world changed after I spoke, I felt so much loved and cherished. The next two days were bliss and it was as if the Gods were conspiring to make me feel included,cherished and honored. Years of pain and exclusion just washed away. Support poured in, miracles happened. Problems which were gnawing me suddenly became easily manageable.Issues like eviction became less threatening as support poured in for construction. Google donated 1 million dollars for the construction( it reduced my struggles by 80%).I became techno literate( started my blog, facebook etc...). Post TED my world did change for good...today support networks are more,there are people interested to know about our trails and tribulations and most importantly the silence around the cause of sex trafficking is systematically breaking. There are at least 6 facebook communities( the ones I know) who are talking on sex trafficking. But this year has also been a year of challenges. Challenges that threatened the very root of the organization. You cannot have it all....-For many years the organization has been seriously looking for an ideal person to lead the Economic Rehabilitation Program(ERP). The look out was for a person with sound business ideas and also sensitivity to understand the special needs of trafficked survivors. This ambitious expectation, took as to many fora to identify the right person. Efforts were also put in through newspaper advertisements etc. A lot of money was spent in this search. After two years of search a ray of hope was seen when miraculously we found two persons( a dear friend put our requirement on Dev Net and that started the ball rolling), one with a management expertise and the other with marketing skills. The expert in management was made the Coordinator of ERP. As the leader of the team I, for once was relieved to hand over a lot of my responsibilities to another person especially related to business and marketing. For more than a month and a half we lived in euphoria as brilliant ideas to promote the business was tossed around and there was generally an air of great happening. Till one day when I met a customer who owed us some payment. As usual when I asked him when he was going to pay up he was shocked and informed me that he had already paid at least a month back. Immediately I called up our accounts section to find out why this customer appeared in the recovery list. And they informed me that the money has never reached them and they were constantly following up with the Coordinator, who had promised them that the money will recovered at the earliest. Immediate probe into the matter revealed that the Coordinator in collaboration with the Marketing Executive had already collected payments in cash at least a month earlier. Due to early detection we were able to prevent large-scale misappropriation of funds. Both the coordinator and marketing executive were dismissed from services and the funds misappropriated were recovered. I was forced to hold additional charges of looking after the enterprise.-As this crises was happening in ERP, the second generation prevention program which had started an economic rehabilitation unit for prostituted women (who were also mothers of children studying in the transition centers) faced severe resistance from the brothel keepers and brokers/pimps. One of the transition centers was vandalized. Tube lights, fans, flower pots were damaged. Property worth Rs 40,000/ (approx. 900$) was destroyed. A police case was lodged.-In the shelters, two shocking events happened. The biggest escapade of 10 victims from a ventilator on a rainy day was extremely depressing. As this was the first time such an event had happened in the shelter. The profile of the victims escaped revealed that all were witnesses in different cases. Only three of them did not appear to be connected to any case. One of three abandoned her 6 months baby and ran away. With a heavy heart we had to hand over the child to the court who handed the baby to the Government Orphanage. This happened in the month of September. Through reliable sources we also came to understand that there were traffickers posing as victims in the shelter whose main goal was to make all the victims who were witnesses hostile through intimidation. Unfortunately we could not spot the traffickers(we have a over crowded shelter right now). But what we were able to do was to strengthen the security measures internally. Slowly all loopholes were plugged. Maybe it was the realization of futility of efforts that the traffickers felt frustrated which forced them to go on a rampage within the shelter. TV, Fridge, tube-lights, sound system, CD Player, tables & chairs were destroyed. Three staff and three resident victims were injured in this act of aggression. Utter chaos prevailed for more than an hour, until staff from all units rushed and controlled the situation. The silver lining, we were able to spot all the 10 infiltrators. They were handed over to the police. The damage other than property( 2 lacs , approx. 4250 $) was the morale of the staff which heavily came down. Three senior staff from other interventions who witnessed the episode resigned. Interestingly those who were hurt have become more committed to the cause. Now there is acute staff shortage in the organization and my own movements (travelling outside Hyderabad) has been cut down considerably as only physical presence is boosting the morale of my team.-During the same period the security of the head office was put under tremendous risk when the organization got involved in two high profile cases in September. One case in which an inspector of police raped a 14 yr old girl. I was personally involved in not only booking the case but also providing safe shelter to the child victim. Consequently there was constant drama in the office premises with media having a hay day. In another case three girls were rescued from a reputed spa which was a front for prostitution. In the second case the office was filled with claimants & lawyers demanding access to the victims. Threatening and intimidating calls from very powerful people also poured in.-Outside Hyderabad, at the construction end, where we are building our new shelters it was a shocking news when the newspaper reported that the cost of the construction material has increased by 200%. As per the new prices we need another 400,000$ to complete the construction. In a context when we have to vacate the existing rented premises by Dec 31st 2010 it is a huge challenge to raise this this kind of funds in just two months.-And finally the king of all crises, last year we faced trouble with an official working in the income tax department after we refused to give her bribe. The lady in question a Jt. Commisioner of income tax promptly passed an order that we are a commercial profit-making institution and that we had to immediately pay tax to the tune of 45lacs (approx. 100000 $) to the department. We fought the case and we won and I thought it was over for good. Short lived was my relief as the department has now challenged the order in the tribunal( highest court for the income tax cases). And my saga continues... a year after TED what do I feel?Miracles give you renewed energy but life goes on and bigger battles await you at every corner.

Posted by Sunitha Krishnan

My Thanks to-

VRanganathan
nlp master practitioner

(To forward this to me)

Written by a Pakistani journalist about India

2010-11-09T18:13:00.005+05:30

Dear All.

I Wish you to read the below article>
Written by a Pakistani journalist about India

Capital suggestion
By Dr Farrukh Saleem

Here's what is happening in India :

The two Ambani brothers can buy 100 percent of every company listed on the Karachi Stock Exchange (KSE) and would still be left with $30 billion to spare. The four richest Indians can buy up all goods and services produced over a year by 169 million Pakistanis and still be left with $60 billion to spare. The four richest Indians are now richer than the forty richest Chinese.

In November, Bombay Stock Exchange's benchmark Sensex flirted with 20,000 points. As a consequence, Mukesh Ambani's Reliance Industries became a $100 bill ion company (the entire KSE is capitalized at $65 billion). Mukesh owns 48 percent of Reliance.

In November, comes Neeta's birthday. Neeta turned forty-four three weeks ago. Look what she got from her husband as her birthday gift:

A sixty-million dollar jet with a custom fitted master bedroom, bathroom with mood lighting, a sky bar, entertainment cabins, satellite television, wireless communication and a separate cabin with game consoles. Neeta is Mukesh Ambani's wife, and Mukesh is not India 's richest but the second richest.

Mukesh is now building his new home, Residence Antillia (after a mythical, phantom island somewhere in the Atlantic Ocean ). At a cost of $1 billion this would be the most expensive home on the face of the planet. At 173 meters tall Mukesh's new family residence, for a family of six, will be the equivalent of a 60-storeyed building. The first six floors are reserved for parking. The seventh floor is for car servicing and maintenance.. The eighth floor houses a mini-theatre. Then there's a health club, a gym and a swimming pool. Two floors are reserved for Ambani family's guests. Four floors above the guest floors are family floors all with a superb view of the Arabian Sea On top of everything are three helipads. A staff of 600 is expected to care for the family and their family home.

In 2004, India became the 3rd most attractive foreign direct investment destination. Pakistan wasn't even in the top 25 countries.

In 2004, the United Nations, the representative body of 192 sovereign member states, had requested the Election Commission of India to assist the UN in the holding elections in Al Jumhuriyah al Iraqiyah and Dowlat-e Eslami-ye Afghanestan. Why the Election Commission of India and not the Election Commission of Pakistan? After all, Islamabad is closer to Kabul than is Delhi .

Imagine, 12 percent of all American scientists are of Indian origin; 38 percent of doctors in America are Indian; 36 percent of NASA scientists are Indians; 34 percent of Microsoft employees are Indians; and 28 percent of IBM employees are Indians.

For the record: Sabeer Bhatia created and founded Hotmail. Sun Microsystems was founded by Vinod Khosla. The Intel Pentium processor, that runs 90 percent of all computers, was fathered by Vinod Dham.

Rajiv Gupta co-invented Hewlett Packard's E-speak project. Four out often Silicon Valley start-ups are run by Indians. Bollywood produces 800 movies per year and six Indian ladies have won Miss Universe/Miss World titles over the past 10 years.

For the record: Azim Premji, the richest Muslim entrepreneur on the face of the planet, was born in Bombay and now lives in Bangalore.India now has more than three dozen billionaires; Pakistan has none (not a single dollar billionaire).

The other amazing aspect is the rapid pace at which India is creating wealth. In 2002, Dhirubhai Ambani, Mukesh and Anil Ambani's father, left his two sons a fortune worth $2.8 billion. In 2007, their combined wealth stood at $94 billion. On 29 October 2007, as a result of the stock market rally and the appreciation of the Indian rupee, Mukesh became the richest person in the world, with net worth climbing to US$63.2 billion (Bill Gates, the richest American, stands at around $56 billion). Indians and Pakistanis have the same Y-chromosome haplogroup. We have the same genetic sequence and the same genetic marker (namely: M124).
We have the same DNA molecule, the same DNA sequence. Our culture, our traditions and our cuisine are all the same. We watch the same movies and sing the same songs. What is it that Indians have and we don't?

INDIANS ELECT THEIR LEADERS!!

And also to mention: They think of Construction of own nation, unlike other nations who are just concerned with destruction of others...

Simple answer to why the Indians fare better than the Pakistanis - They don't focus on religion all the time and neither do they spend time and money in devising ways to kill their own and everyone else over religion.

What are Dividends and When they're Issued ?

2010-10-30T11:29:00.006+05:30

Even those people who have made investments that paid dividends may still be a little confused as to exactly what dividends are, however… after all, just because a person has received a dividend payment doesn't mean that they fully appreciate where the payment is coming from and what its purpose is.

If you have ever found yourself wondering exactly what dividends are and why they're issued, then the information below might just be what you've been looking for.

Defining the Dividend
Dividends are payments made by companies to their stock holders in order to share a portion of the profits from a particular quarter or year. The amount that any particular stock holder receives is dependent upon how many shares of stock they own and how much the total amount being divided up among the stockholders amounts to. This means that after a particularly profitable quarter a company might set aside a lump sum to be divided up amongst all of their stockholders, though each individual share might be worth only a very small amount potentially fractions of a cent, depending upon the total number of shares issued and the total amount being divided. Individuals who own large amounts of stock receive much more from the dividends than those who own only a little, but the total per-share amount is usually the same.

When Dividends Are Paid ?
How often dividends are paid can vary from one company to the next, but in general they are paid whenever the company reports a profit. Since most companies are required to report their profits or losses quarterly, this means that most of them have the potential to pay dividends up to four times each year. Some companies pay dividends more often than this, however, and others may pay only once per year. The more time there is between dividend payments can indicate financial and profit problems within a company, but if the company simply chooses to pay all of their dividends at once it may also lead to higher per-share payments on those dividends.

Why Dividends Are Paid?
Dividends are paid by companies as a method of sharing their profitable times with the stockholders that have faith in the company, as well as a way of luring other investors into purchasing stock in the company that is paying the dividends. The more a particular company pays in dividend payments, the more likely it is to sell additional common stock… after all, if the company is well-known for high dividend payments then more people will want to get in on the action. This can actually lead to increases in stock price and additional profit for the company which can result in even more dividend payments.

Getting the Most Out of Your Dividends
In order to get the most out of the dividends that you receive on your investments, it is generally recommended that you reinvest the dividends into the companies that pay them. While this may seem as though you're simply giving them their money back, you're receiving additional shares of the company's stock in exchange for the dividend. This will increase future dividend payments (since they're based upon how much stock that you own), and can set you up to make a lot more money than the actual dividend payment was for since increases in stock prices will affect the newly-purchased stock as well.

About The Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website

Beautiful Thought by Lord Buddha

2010-10-27T17:26:00.004+05:30

Once Buddha was travelling with a few of his followers. While they were passing a lake, Buddha told one of his disciples, "I am thirsty. Do get me some water from the lake."

The disciple walked up to the lake. At that moment, a bullock cart started crossing through the lake. As a result, the water became very muddy and turbid. The disciple thought, "How can I give this muddy water to Buddha to drink?"

So he came back and told Buddha, "The water in there is very muddy. I don't think it is fit to drink."

After about half an hour, again Buddha asked the same disciple to go back to the lake.

The disciple went back, and found that the water was still muddy. He returned and informed Buddha about the same.

After sometime, again Buddha asked the same disciple to go back.

This time, the disciple found the mud had settled down, and the water was clean and clear. So he collected some water in a pot and brought it to Buddha.

Buddha looked at the water, and then he looked up at the disciple and said," See what you did to make the water clean. You let it be, and the mud settled down on its own -- and you have clear water.

Your mind is like that too ! When it is disturbed, just let it be. Give it a little time. It will settle down on its own. You don't have to put in any effort to calm it down. It will happen. It is effortless."

Having 'Peace of Mind' is not a strenuous job; it is an effortless process!

TREAT EVERYONE WITH POLITENESS
EVEN THOSE WHO ARE RUDE TO YOU
NOT BECAUSE THEY ARE NOT NICE
BUT BECAUSE YOU ARE NICE.

Doing, doing -- never being...OSHO

2010-10-23T23:37:00.003+05:30

You have gained -- now let it be, enjoy it. Live it!

And then you will see: a different dimension comes to your being.

- OSHO

RETIRE WHEN YOUR WORK IS DONE.

WHEN YOU SEE that a work has given you balance, that you have attained happiness, don't ask for more; when you feel good don't ask for more; when you are surrounded by a well-being don't ask for more. Retire, enjoy it. Revel in it. Dance with it. Don't ask for more. The mind is always asking for more.

The mind says, "Okay, this is good, that I am feeling a certain well-being, but more is possible. So first I should attain the more." Then you miss that which was possible; that which had already become actual, you miss.

And if you listen to this mind, which goes on for more and for more and for more, it will lead you to the end, to the extreme. And suddenly you fall into hell, and you are miserable, unhappy.

Whatsoever you gain, make it a criterion: if you are feeling good, if you are feeling well, if you are feeling blissful, silent, peaceful, a certain delight around you, life has become a song for this moment -- then sing it! Don't ask for more! Chew it, absorb it.

Don't ask for more. Retire... that is the meaning of retire. Now stop further efforts -- enough! You have gained -- now let it be, enjoy it. Live it! And then you will see: a different dimension comes to your being.

There are two dimensions. One is horizontal... more, more, more -- that is the horizontal dimension. You move in a line. You are on the point A; you want to be on the point B. When you are on the point B, you want to be on the point C. Soon you will reach to XYZ. And from Z is hell. Z is the door of hell.

But you cannot stop, the mind goes on. The mind says, "Look, you are on C, and D is possible. So why waste time on C, go to D. Then E becomes possible, so go to E." No moment to enjoy, no moment to celebrate, no moment to retire and be.

Doing, doing -- never being... because being means that C is enough, now enjoy it. You have earned the bread for today -- now retire. But the mind says, "What about the safe in the bank? It is still half-filled. You have to fill it completely...."

OSHO

STRESS MANAGEMENT Part-2

2010-10-04T19:06:00.004+05:30

THE PHYSIOLOGICAL RESPONSES TO STRESSES:

A) When exposed to stress in our environment, we generally experience many physiological reactions. Initially your blood pressure soars, your pulse races and you even begin to sweat. These are part of general pattern of reactions referred to as the ‘fight-or-flight syndrome’, a process controlled through the sympathetic nervous system, which is prepares our bodies for immediate action.usually, these responses are brief and soon return to normal level.

B) When we are exposed to chronic sources of stress, this reaction is only first in a longer sequence termed by Hans selye (1976) the General Adaptation Syndrome (GAS), consists of three stags, they are,
1) Alarm reaction
2) Resistance
3) Exhaustion

1) Alarm Reaction

In this stage the body prepare itself for immediate action. Arousal of the sympathetic nervous system releases stress hormones that help to prepare our body to meet threats or danger. This is also known as fight-or-flight response. In this there are more bodily response than the mental.

The hypothalamus in the brain signals the adrenal gland. The adrenal gland in turn releases adrenaline into the blood stream. The adrenaline increases the heartbeat and breathing become shallower. Blood flows from skin and *viscera to muscles and brain. The blood takes nourishment like (blood sugar) to the parts of the body, which are in need of extra energy to respond to the danger. Due to this redistribution, we look pale and our hands and feet become cooler. Physiologically the person who turns white, are more prepared to fight, than who are red in the face. That does not mean that the latter will be cool. They are just not in the best physiological state to do so! Blood pressure is raised and the capillaries of the skin and viscera are narrowed.

Foot notes: *Viscera -Internal organs collectively (especially those in the abdominal cavity)

It is these sensations that we feel immediately in our body. However we don’t feel all that is going on. Other hormones also are released. For instance ACTH (Adreno Corticotrophin Hormone) activates the adrenal glands. This enables the release of corticoids into the blood stream, which carry massage to other glands and organs.

The spleen, for instance is mobilized to release more red blood cells into to the blood stream. These carry oxygen and nourishment that are needed to provide for the extra demand of the body during this alarm stage. The ability of blood to clot is increased, in preparation for damage resulting from fighting.

The liver releases vitamins such as B and C and sucrose and it is carried to the muscles by the redistributed blood. The stomach released hydrochloric acid (Hcl), which is only does normally to digest food.

Another response is muscular tension especially of the lower back, shoulders and neck. This may lead to what is known as tension&headache.this tension remains even after the other changes due to alarm reaction decrease. As a result, people believe that the tension is the main indicator of stress. Becoming aware of tension and dealing with it can be the first step in gaining control.

Nor-adrenaline is another hormone, which is sereated.this brings with, feelings of *euphoria and satisfaction what can be termed positive stresses.

2.Resistance

If stress is prolonged, however the resistance stage begins. During this stage, arousal is lower than the alarm stage, but the body continues to draw on resources at an above-normal rate in order to cope effectively with the stresses. Continued exposure to the same stresses or additional stresses drains the body resource like like nutrients and vitamins and that lead to the third stage exhaustion.

Foot note: *Euphoria: - A feeling of great (usually exaggerated) elation

3.Exhaustion

In the above resistance stage the body can remain only for short duration. When the pressure remains beyond that, new symptoms begin to emerge. These are similar to those of alarm stage. as aresult,the body becomes increasingly vulnerable to disease and organic dysfunction.

In our life situation we cannot avoid stress completely, but to some extend we can mange or avoid or at least see that it is not collapsing us. Certain situation we will be exposed to a sudden tragedy, that may cause so much of physiological excitement, it is possible by reduce the frequency or intensity of the alarm stage, but cannot eliminate entirely. Nor we should try to; it is a normal protective mechanism. We should also try to reduce the resistance stage. The reason is that when stress occurs too often or for too long, the body has no opportunity to recover. The body needs time to re-build the lost or depleted resources. When there is no opportunity to happen this. The body enters the stage of exhaustion. The repeated exhaustion has to be prevented to protect the life.

A quick review of physiological stress

Feeling “stressed out” is not just a state of mind. High levels of stress can have severe consequences. The hormones overload. Such as adrenalin and cortisol are produced in excess, they can cause many physiological changes.
For e.g. major trauma such as love failure, divorce, family/occupational conflicts, lack of control over situation, pollution etc.

These above leads to the fallowing body changes,
1.memory loss
2.increased insulin levels leading to higher fat deposits
3.high blood pressure
4.bone loss/weakness
5.weakened muscles/tensing of muscles
6.stunted growth
7.weakened immune system
8.arteriosclerosis
9.depression
10.shallower, quicker breathing
11.excess production of adrenaline
12.faster heart beat
13.reduction of blood supply to hands and feet
14.increased blood flow to the muscles
15.sharpening of all senses
16.reduction of tension in bowels and stomach functions

COGNITIVE APPRAISAL OF STRESSES OR PSYCHOLOGICAL ASPECTS OF STRESS:

When confronted with the same potentially stress-inducing situation, some person experience stress, where as other do not. Why?

It involves individual cognitive appraisals, stress occurs only to the extent that the persons involved to perceive

1) that the situation is somehow threatening to their important goals and

2) that they will be unable to meet, or cope with, these dangers or demands (lazarus&folkman, 1984;largarsetal 1985). To understand the nature of stress, it is necessary to consider the emotional and physiological reactions it involves the external conditions that produce it and the cognitive processes that play a role in its occurrence.

Stress is generally associated with negative and unpleasant emotions. is there any difference between stress and emotion?

Stress may be consider as an appraisal of situation in which a threat exceeds one’ resources. The result of this stress appraisal is emotion. The most common stress related emotions are fear, anger and sadness.

Psychological stress and physical stress are not the same. They are related. To call a condition as stress the psychological appraisal as stress is important. That is the prescription that some event is stressful is important. It is the psychological stress that generates physical stress in many situations.

A quick review of psychological stress
The mental/emotional changes occurs are
Of course all those above physiological changes also have an effect on the brain and this can cause an alert mental state, leading to:
1. Faster activity of the brain
2. Improvement of decision-making
3. Short-term judgment
4. Improved memory powers
5. Sharper focusing of attention

A quick general review of stress

Over all let us look how stress affects or making changing within oneself. And what are the medical or scientific terms involved in it, as a bird eye view:
*These fallowing are the steps in the stress reaction:
Step-1
When a person faces a stressful or threatening situation, cells in the brain can secrete a CORTICOTROPHIN releasing hormone or CRH.
Step-2
CRH signals the brain’s pituitary gland to produce ADRENOCORTICORTROPHIN hormone. Or ACTH.
Step-3
Scientists suspect that CRH also affects behavior directly by acting on certain brain regions.
Step-4
ACTH, meanwhile, passes through the bloodstream and causes the adrenal glands –located just above the kidneys –to produce CORTISOL, the best known of the stress hormones.
Step-5
CORTISOL increases the amount of glucose available to fuel the body’s cells, prevents the immune system from overreacting to injuries, and also ensures that the brain dose not secrete too much CRH. That keeps the stress response from spiraling out of control.

*(SOURCE: SCEINTIFIC AMERICAN; ULTIMATE VISUAL DICTIONARY; ESTHER STERBERG, NATIONAL INSTITUTE OF HEALTH; MARK SMITH, DUPONT MERSK; MARY DALLMAN, UNIVERSITY OF CALIFORNIA-SAN FRANCISCO.)

Stress as a positive sign:
Stress is good, it is necessary for anybody for a healthy living, many among us think that stress is negative, it is not so, stress which is beyond our manageable limits cause some negative effect in us, on the same time stress which is under our manageable limits help us to live a better life, so stress that are under our control are the positive sign.

For- e.g. -1
Stresses protect us from many of our life situation.

When one is on the road, about to face or expect an accident that is going to occur certainly, in such situation the stress act as a natural intelligence to protect us from great damage, that time the whole body and mind function as a whole, and our system is instantly ready to face the consequences, this stage is called resistance stage.

In the resistance stage, there is a surge of hormones like cordisol, aderenaline and noradrenaline, your arteries harden and your blood suddenly has more clotting power to prevent blood loss in the event of an injury.

e.g. –2
Stress is needed in a situation like, sports, making speeches and taking examinations etc.
The stress response puts people on their mettle, increases alertness, improves sight, strengthens muscles and reduces reaction times. More importantly the stress response increases our ability to stand and fight to turn and flee and to mobilize all our resources to archive what ever we decide to do.

Another positive is the zest. That stress adds to life by stimulating the senses and the passions. Many people need challenge in their life and would be unhappy without it.

Stress only has positive effect if one is tactfully managing it or keep it under control.

Negative impact of stress.
The stress causes so many negative signs among the individual level. When a person allows the stress to remain the body or mind, when there is no chance to take a necessary steps or managing techniques to release the stress out of the system, that time the stress responses are remain within our system, be it mind or body and slowly start producing negative reaction in various levels. So one need to act at once than and there to release the stress and get rid of the negative symptoms by adapting a suitable or most appropriate methods.

The negative impact of stress in the individual, can be of three levels,
1.undesirable or unsuitable behaviors
2.potential difference in energy and performance levels
3.weakening of the health. Mind and body wise.

The most important stresses that will produce a long negative impact on us are a) acute stress b) chronic stress. These are the stresses that can be more damaging. In general the negative stress tends to be cumulative, it feeds on itself. If the stress is not released today it cumulate itself for the future course of time.

We can see the connection between stress and disease. The chronic stress cause so many negative impact like heart attack, high blood pressure etc.

Because cholesterol is a hormone released under stress. It now seems quite likely that high cholesterol levels, with their accompanying higher risk of heart and blood vessel disease, reflect too much distress (negative stress) rather than our diet –says Montgomery and Evans

According to recent research at university medical centre, Chicago, people who worry a lot are more likely to develop Alzheimers.high levels of stress hormones may damage regions in the brain for memory. There is also evidence to show that severe stress can derail the immune system.

CAUSES OF STRESS
What factors contribute stress?
A wide range of conditions and events seem to capable of generating such feelings. Amongst the most important of these are major stressful life events, such as the death of a loved one or love failure or a painful divorce; the minor hassles of every day life; conditions and events relating to work; and certain aspects of physical environment such as noise, crowd, culture, family etc. and it is also comes from within such as our beliefs, racial, attitudes and expectation about the world, isolation.

The part-3 will be posted soon

Gaps Understandings and how to use it for stock trading?

2010-09-21T23:05:00.003+05:30

There are four types of gaps :

1.Common Gap
2.Breakaway Gap
3.Runaway
4.Exhaustion

Gaps are formed on daily bar charts where no trading has taken place. In an upside gap for example, a gap would be formed if the open is higher than the previous bars high (Murphy definition).

A downside gap would be formed if the open was lower than the previous bars low. These initial gapping moves form true gaps when at the end of that trading day the gap is left unfilled. So in an upside gap, todays low is higher than the previous bars high, in a downside gap todays high is lower than the previous bars low.

Common myth: All gaps must be filled. This a very tempting intra-day strategy but is strictly speaking, not true.

Common Gap
This type of gap generally occurs in the middle of trading ranges or in thinly traded markets. Chartists tend to ignore the common gap but futures traders are always keen to use the common gap with the following points in mind:
1.Every gap must be filled - which remember is not strictly speaking true
2.The gap high and low and even the close and open can be used as support and resistance levels.
3.Common gaps offer little to trend analysis or confirmation of a pattern breakout or reversal and are usually ignored by chartists.

Breakaway Gap
This type of gap can occur at the completion of a significant pattern. A breakaway gap gives a strong signal that the market has started a new trend or phase of a trend. This gap has more significance if it is left unfilled, and should remain unclosed to have validity. On an upside gap, the high of the previous bar (the gap low) is considered to be strong support. On a downside gap the low of the previous bar is considered to be strong resistance.

1.Breakaway gaps are seen as patterns are completed and stops are triggered, the market may be receiving a shock.
2.Breakaway gaps can be used as support or resistance as orders will be left at these levels to cut losses or initiate trades.
3.Once the breakaway gap is confirmed (the gap holds on a test) the trend move should be strong.

Runaway Gap
Once the trend is underway prices may leap forward to form a gap or even a series of gaps. This may have some strong volume associated with it. The runaway gap offers the same support and resistance studies that the breakaway gap does.
1.The runaway gap sometimes occurs in the middle of the trend move and can be a measuring gap.
2.The runaway gap occurs as the trend gathers more believers, new funds flow into the market to re-enforce the trend.
3.The runaway gap also occurs as stale longs or shorts cut their positions and take their losses. This can be on the back of news, shocks to supply/demand, or simply too much pain in existing positions.Exhaustion Gap

Exhaustion Gap
Once the trend is well established and most targets/objectives have been met, an exhaustion gap may be seen. This will appear like another runaway gap, but the price action will be critical. Basically, once the gap is seen, but is then filled and closed, the exhaustion gap could be in place.
1.Exhaustion gap is seen at the end of the trend move.
2.Exhaustion gap is confirmed as the gap is filled and closed.
3.Exhaustion gap signals a trend change

Island reversals
Island reversals occur when the market gaps higher with an upward exhaustion gap (or lower with a downwards exhaustion gap), trades in a narrow range for a few days and then gaps lower again. This leaves an “island” of prices, surrounded by unfilled space and usually signals a trend reversal.

Opening Gaps are worth watching out for in intraday trading, but dont get too obsessed with them!!

Attend our 2-days 'Technical Analysis Workshop'.

Where we will coach you how to analyse these gaps and gain out of it in the real market situation.

STRESS MANAGEMENT

2010-09-12T10:51:00.003+05:30

Stress management?

One need to manage business, industry, family etc., it is quiet meaningful why one need to manage stress? It looks very funny isn’t it? But in our today’s world we are in a position to even manage our stress. That is the trend of today. The whole world is talking about it. Earlier the western world is fonder of stress management and today’s in the east also talking about it. It is spread up everywhere. The cause may be of the vast industrial growth and the expansion and invasion of the western culture into the east. The active traders in stockmarket has to face and mange so much of stress.Here we thought of making them aware about stress and help them to overcome or manage it.

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In the modern world where we are today is filled with so much of materialsitical comforts, which was never before experienced by another generation of the people who lived before. In that case we are the most advanced beings in terms of science and technology. we are the comfortable being materialistically on the planet earth, than the people who lived before. But when we put forth a question in front of us that – can we claim, we are the most comfortable, peaceful being internally, than the people who lived in the past? The answer is “no”, isn’t it?

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It is why because, we in the process of accumulating our external well being we almost lost touch with our internal being, and hence this lacking we suffer in may ways and means; we do not know exactly what we are, and what is our capability and potentiality. We are some how living and do things mechanically. We are leading a kind of artificial life. Our life becomes very pseudo. And this is one of the major reasons in our today’s world situation, and stress is also one of those reasons, which is part and parcel of our today’s life.

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It is very unfortunate to speak about stress in the country like India. Our ancients had great wisdom in each and every aspect of their life. They were all aware of the real life behind the pseudo. They are so rich by their culture wise and knowledge wise, awareness wise etc., and because of that they could live a life of contentment. A life, which is totally committed towards one’s being of the fullness. There was no need for them to manage stress or whatever. As the evolution start progressing slowly, slowly the knowledge of our ancient wisdom started fading away. And we lost touch with our own heritage and culture. This may due to the invasion of many western cultures and we start bothering about western cultures and fascinated towards that, which totally made us to limp. We now neither belong to the eastern culture nor belong to the western culture. We are caught in between. Now, we are in a fusion of cultures. We have not realized our own cultural richness. Once we start realizing we need not bother much about stress, tension, anxiety and all those psychosomatic ailments. Since our saints were great scientists. They had foreseen the future and designed our culture as a consealeded mechanism to protect any given life situations, effortlessly. Our culture habitats like worshipping, rituals, ceremonies, spiritual satsangs and festivals, fastings etc., have tremendous meaning within it. The whole of Vedas and puranas and Upanishads is all talking about how to be rich in and out. It is not just a novel to read and forget. In fact, it has to be inculcated with our being and cherished. Then, things will happen effortlessly that will lead to contentment.

WHAT IS STRESS?

If you say, “I feel stressed.” you probably mean you are feeling tired, irritated, overworked, exhausted, depressed, tense, disappointed, etc. infact, there is something definitely wrong, something negative in your life.

But stress is not just negative. We would be dead without stress. It is with us all the time in some measure, problems only arise when we have more or less stress than we want, or can cope with.

Stress is part and parcel of our life; infact stress is a survival mechanism that helped our Stone Age ancestor as well. But our today level of stress and other problems is more complex than our ancestor’s. May be we can call the stress is the necessary evil.

Stress occurs all the time to every one, and your stress level is healthy as long as there is a spring in your step. But when it crosses the limit beyond the danger mark: one stop enjoying what one does and start experiencing fatigue and anxiety. A person who does monotonous work usually suffers from low stress levels.

If you say, “I have temperature.” you do not mean that normally you never have a temperature, but that, on that day you have a higher temperature than normal.

DEFINITION OF STRESS:

1. STRESS is defined as an internal state which can be caused by physical demands on the body (disease condition, exercise, extremes of temperature and the like) or by environmental&social situations which are evaluated as potentiality harmful, uncontrollable or exceeding our resources for coping.
2. STRESS may be defined, as the combination of a) the demands placed on us that are perceived as threatening and b) demands that tax our resources in short, stress refers to a perceived threat we think may strain or exceed our resource.
3. STRESS can be also defined as, ‘the way your body responds to the demands of your life style’ i.e. the effect of wear and tear n your body.

So stress is nothing but that comes at us from all sides of our environment and hits us in different ways. Any event that places a demand on us or disrupts our life can be considered a potential stressor. For instance when you want to go for writing your final exams, you are waiting for a bus to reach you exam centre, the bus which suppose to come in time, has not yet arrived and you have stark choice to reach the exam hall in time through any other mode of transport, except that particular bus for which you are waiting. And this is the cause that makes you stressful.

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Stress has many aspects and has various perspectives. Stress can be physical or psychological or both.hence, it is essential to understand where stress comes from, what causes it, what its effects on us are, all these aspects we have to consider before to find a solution or managing it. Now let us look into the types of stress.

What are the factors that may cause stress? There are many factors that cause stress, the major factors are such like heat, hunger, pollution, monotonous job, conflict, frustration, anxiety, excessive ambition, and so many other natural disaster like earth quake, tsunami etc.

Stressor

When the person is subjected to a stress-producing effect known as a stressor. The stressor can be of a challenge, pressure, stimulus, external influence, etc.

When one is stressed, the stressor is registered in the brain. The brain gives various parts of the body instruction for a chain of different reaction known as the stress reaction or stress response.
In our modern life style we are all constantly reacting with a stress response.

Dr.Bop Montgomery and Dr.lynette Evans, in their book ‘ you and stress’ list five major components of the stress process. It begins with stressors, which are factors that cause stress. It can be a fight with your beloved, your spouse, demands at the work place or home, or an unexciting job. Research has found that even uncertainty and lack of control over a situation can cause stress.

Brooding over the past and worrying about the future are no less stressful. Your thoughts, physiological processes, feelings and behavior are the other components of the stress process.

Types of stress

There are two major types of stress,
1.Eustress 2.Distress. Let us see each one of them what it is.

1.Eustress
Eustress is synonymous with health essential stress produced for e.g. by joy, or any kind of positive impulse, sensible recreational activities, sports practiced as a hobby, etc.

2.Distress
Distress is synonymous stress that has to be controlled, e.g. continuous mental or physical strain of any kind, anger, frustration, stages of tension seemingly without hope.

The effects of stress in various perspectives

We shall now look into the various perspectives of stresses. Stress is many-faced process that occurs in reactions to events/situations in our environment termed stress. A wide range of stimuli can potentially produce stress, but it appears that many events we find stressful share several characteristics.

1.They are so intense, in some respect that they produce a state of overload we can no longer adapt to them.
2.They evoke incompatible tendencies in us, such as tendencies both to approach and to avoid some object or activity.
3.They are uncontrollable –beyond our limits of control.

We will see the Effective stress mangement on the following posts.

Average Directional Index -ADX

2010-09-05T11:10:00.003+05:30

Introduction
J. Welles Wilder developed the Average Directional Index (ADX) to evaluate the strength of a current trend, be it up or down.

It's important to determine whether the market is trending or trading (moving sideways), because certain indicators give more useful results depending on the market doing one or the other.

The ADX is an oscillator that fluctuates between 0 and 100. Even though the scale is from 0 to 100, readings above 60 are relatively rare. Low readings, below 20, indicate a weak trend and high readings, above 40, indicate a strong trend.

The indicator does not grade the trend as bullish or bearish, but merely assesses the strength of the current trend. A reading above 40 can indicate a strong downtrend as well as a strong uptrend.

ADX can also be used to identify potential changes in a market from trending to non-trending. When ADX begins to strengthen from below 20 and moves above 20, it is a sign that the trading range is ending and a trend is developing.

When ADX begins to weaken from above 40 and moves below 40, it is a sign that the current trend is losing strength and a trading range could develop.

Positive/Negative Directional Indicators
The ADX is derived from two other indicators, also developed by Wilder, called the Positive Directional Indicator (sometimes written +DI) and the Negative Directional Indicator (-DI).

In its most basic form, buy and sell signals can be generated by +DI/-DI crosses.

A buy signal occurs when +DI moves above -DI and a sell signal when -DI moves above the +DI.

As with most technical indicators, +DI/-DI crosses should be used in conjunction with other aspects of technical analysis.

The ADX combines +DI with -DI, and then smooths the data with a moving average to provide a measurement of trend strength. Because it uses both +DI and -DI, ADX does not offer any indication of trend direction, just strength.

The Directional Movement Index, DMI, is an effective and frequently used trend indicator. This system was designed by Welles Wilder Jr. and is made up of three lines:
1. The +DI indicates the up average.
2. The -DI indicates the down average.
3. The ADX, average directional movement index, shows whether a trend is in effect by smoothing the difference between the +DI and -DI.

The time periods most commonly used in the complex formula are 10 or 14 days.

According to Wilder the DMI should be used with the ADX as a filter.
A rising ADX line means the market is trending and a better candidate for a trend-following system.

A falling ADX line indicates a non-trending market.

Some traders also look for an ADX greater than 20 or 25 to confirm that the market is trending. When the ADX line starts to drop from above the 40 level, that is an early sign that the trend is weakening. A rise back above 20 is often a sign of the start of a new trend.

Signals
Generally speaking, the two main buy and sell signals generated by DMI are as follows:
* A buy signal is given when +DI crosses above the -DI line.
* A sell signal is given when +DI crosses below the -DI line.

An ADX below 25 is a strong warning to avoid trading.

Your Abilty That Matters

2010-09-03T17:25:00.003+05:30

SIZE OF THE CANDLES MAY DIFFER
BUT THEY YIELD THE SAME BRIGHTNESS.
IT IS NOT THE MATTER OF YOUR POSITION,
BUT YOUR ABILITY THAT SHINES..!

Human Imagination Is The Source Of Creativity

2010-09-01T22:55:00.001+05:30

" A well-directed imagination is the source of great deeds. "

NPM

2010-08-29T11:08:00.004+05:30

What is NPM?
It is 'Net Profit Margin' One of the key ratio analysis in fundamental of a particular company.

Net Profit Margin is defined as the profit per unit of sales(USP). As net profit is calculated after subtracting all the costs associated with doing a business, consistently increasing NPM indicates that a company is doing a lot of activities in its operations to improve the same. For example, when a steel company like Tata Steel goes in for a captive power plant to reduce its power cost, its NPM improves and gives an edge over its competitors in terms of the valuation. NPM is a good indicator of financial management of the company which is one of the key factors of an ever expanding growth company.

Consistent increase in Sales does not necessarily mean that company has to perform well.

For example:-

Assume two companies one with a NPM of 5% and other with a NPM of 20%.

Let us assume both these companies are planning to expand their operations which are expected to increase their sales revenue by 20% CAGR over next three years. Now if you observe the market reaction, the share price of the company with NPM of 20% would have immediately shot up by around 5-10% whereas the share price of the company with a low NPM will not increase much. The reason is, because as a shareholder of low NPM company, The investors are very much skeptical about the profitability that will be attained through this expansion. So,the investors will ask them self what if this new business operation runs into loss. Whereas since the investors are already comfortable with high NPM company, Investors immediately pounce onto that particular share.

Bottom Line: Pick a company with confidence, if it has good NPM (more than 15%). Place bigger faith if such a company has been increasing its NPM over years.

Pivot trading

2010-08-24T23:54:00.004+05:30

Hi Dear Readers,

I happen to answers many query's about the 'Technical Analysis' . There are many new comers to our site who is also new to stock trading and keen in learning the basics..So i have posted here the most basics "Pivot Trading" and hope it may help the new comers to learn and initiate spark in further learning .

Pivot trading is very popular in floor trading; it gives us the fair value of financial instruments. Emotional trading will always move the price from its fair value but when traders realize the price is overbought or oversold, they will sell the overbought currency and buy oversold currency.

That’s why pivot point and the associated support and resistance levels often are turning points for the direction of price movement in a market. In an up-trending market, the pivot point and the resistance levels may represent a ceiling level (overbought) in price above which the uptrend is no longer sustainable and a reversal may occur. In a declining market, a pivot point and the support levels may represent a low price level of stability (oversold) or a resistance to further decline.

Calculation:

Several methods exist for calculating the pivot point (P) of a market. Most commonly, it is the arithmetic average of the high (H), low (L), and closing (C) prices of the market in the prior trading period:

P = (H + L + C) / 3.

Sometimes, the average also includes the previous periods or the current period's opening price (O):
P = (O + H + L + C) / 4.

In other cases, traders like to emphasize the closing price,
P = (H + L + C + C) / 4,

(Or) the current periods opening price,

P = (H + L + O + O) / 4.

Support and resistance levels

Price support and resistance levels are key trading tools in any market. Their roles may be interchangeable, depending on whether the price level is approached in an up-trending or a down-trending market. These price levels may be derived from many market assumptions and conventions. In pivot point analysis, several levels, usually three, are commonly recognized below and above the pivot point. These are calculated from the range of price movement in the previous trading period, added to the pivot point for resistances and subtracted from it forsupport levels.

The first and most significant level of support (S1) and resistance (R1) is obtained by recognition of the upper and the lower halves of the prior trading range, defined by the trading above the pivot point (H − P), and below it (P − L). The first resistance on the up-side of the market is given by the lower width of prior trading added to the pivot point price and the first support on the down-side is the width of the upper part of the prior trading range below the pivot point.

• R1 = P + (P − L) = 2×P − L
• S1 = P − (H − P) = 2×P − H

Thus, these level may simply be calculated by subtracting the previous low (L) and high (H) price, respectively, from twice the pivot point value:The second set of resistance (R2) and support (S2) levels are above and below, respectively, the first set. They are simply determined from the full width of the prior trading range (H −L), added to and subtracted from the pivot point, respectively:

• R2 = P + (H − L)
• S2 = P − (H − L)

Commonly a third set is also calculated; again representing another higher resistance level (R3) and a yet lower support level (S3). The method of the second set is continued by doubling the range added and subtracted from the pivot point:

• R3 = P + 2× (H − L)
• S3 = P − 2×(H − L)

This concept is sometimes, albeit rarely, extended to a fourth set in which the tripled value of the trading range is used in the calculation. Qualitatively, the second and higher support and resistance levels are always located symmetrically around the pivot point, whereas this is not the case for the first levels, unless the pivot point happens to divide the prior trading range exactly in half.

....THIS STORY CAN EITHER TOUCH YOUR HEART or NOT...

2010-08-22T15:46:00.004+05:30

The story goes that some time ago a mother punished her five year old daughter for wasting a roll of expensive gold wrapping paper. Money was tight and she became even more upset when the child used the gold paper to decorate a box.

.Nevertheless, the little girl brought the gift box to her mother the next morning and then said, 'This is for you, Mummy.'

The mother was embarrassed by her earlier over reaction, but her anger flared again when she opened the box and found it was empty. She spoke to her daughter in a harsh manner 'Don't you know, young lady, when you give someone a present there's supposed to be something inside the package?' She had tears in her eyes and said, 'Oh, Mummy, it's not empty! I blew kisses into it until it was full.' The mother was crushed. She fell on her knees and put her arms around her little girl, and she begged her forgiveness for her thoughtless anger.

An accident took the life of the child only a short time later, and it is told that the mother kept that gold box by her bed for all the years of her life. Whenever she was discouraged or faced difficult problems she would open the box and take out an imaginary kiss and remember the love of the child who had put it there.

.
In a very real sense, each of us, as human beings, have been given a Golden box filled with unconditional love and kisses from our children, family, friends and GOD. There is no more precious possession anyone could hold.

I, Me and Myself

2010-08-20T23:14:00.007+05:30

There are many readers and friends of this site is asking me the first question after they get connected (Commune) through my blog's or forums,facebook,tweets,workshop,meetings etc ...

is What are you? or blantly who are you? Many times i could't present myself what i am!! So,here an attempt made by me to share what i am.if you understand good,if you don't that is too good.

We live our life either in the past or in the future. I try to live in the present because life has nothing to offer when you are thinking of past or planning for the future. At most you will be happy or sad. I don’t want to be neither happy nor sad. I just want to be detached from these temporary feelings. I am quite a non-complex person. Learnt from life heavily. Seen the high-end of life and also some major setbacks. Taken the set backs as a challenge. Have achieved many things which people said I couldn’t ever do. I am a fighter. I don’t judge people. I work hard only to make myself happy that I am contributing to life and writing is one such attempts.Hate unorganized people and people with no sense of purpose in life. I am an ambivert. Good sense of humor (I think so).Have never been bogged down by failures. Success never goes to my head because I know what it is inside out. Vulgar or indecent people irritate me to no end. I love the company of people who have the same thinking pattern.

Give importance to tradition but accept modern culture with unbelievable ease. I try to be what is best in both worlds. Have my own outlook towards life. So many people walk around with a meaningless life. They seem half-asleep, even when they are busy doing things they are important. This is because they are chasing the wrong things. The way you get meaning to your life is to devote yourself to loving others, devote yourself to your community around you, and devote yourself to creating something that gives you purpose and meaning. I don’t let anyone interfere in it. I used to get attached to/trusted people easily however I am more worldly wise now. What’s right isn't always popular... and what's popular isn't always right. Everybody makes mistakes; that's why they put erasers on pencils.I don’t permit any person, place or thing to deflect me from my inner peace, tranquility and radiant health. I have an immense thirst to learn new things in life.

Finally, I don’t care what the world thinks of me. They may say I am an excellent human being. They may not. In either case I don’t care. What matters to me is that when i wake up in the morning and look myself in the mirror, if i can admire the reflection and say nice things about the person I see I am content. I completely subscribe to the adage that a healthy mind exists in a healthy body. Feel incomplete without my daily workouts (Few write ups). I don’t think too high of people who judge you by one success or one failure. Winning is a habit, failure is an uncalled-for break in a successful person’s life. I am glad that I have gone through so many things so early in my life. I didn’t know these incidents will shape me and my inner self so nicely. On hindsight i thank existence for choosing me to learn through those upheavals. I never compromise with my self-respect because if you don’t have self-respect then you have nothing in life. Whatever you do, whatever you achieve just won’t give you contentment. Even a gloomy person can be smiling if I am with him because I like happy people and go out of my way to make them happy.Many times I have paid a price for it. However the immense joy of helping some one fades all those minor things away. I am a sculptor who works hard and build everything from scratch. Love me, hate me. In short this is what I am.

By Ramani.G

Discipline

2010-08-15T22:35:00.002+05:30

" Self Discipline cannot be taught it has to be learned."

Buffet and Gates to urge Indian rich to donate wealth

2010-08-07T20:04:00.004+05:30

Wealth Creation is an art and donating the same wealth for up-lifting the down-trodden people is not just caring,it is love&compassion.I have seen many entrepreneur's are work whole life time to earn wealth and one fine day they are willing to give up the same wealth for the need of social developments/health&education.For Example our own Infosys "Narayanmurthy.I wish the same sprit continue and all this wealth must flow out to develop the humanity unto their heights.

Fri, Aug 6 02:53 PM
Betwa Sharma New York, Aug 6 (PTI) Philanthropist billionaires Bill Gates and Warren Buffet will approach rich people in India and China to urge them to donate at least half their wealth. The move is part of Gates-Buffet initiative, launched in June, that originally aimed at asking American billionaires to pledge that their wealth would be donated either during their lifetime or upon death.

The two now plan to take the idea beyond the US borders. "Mr Buffett said he and Mr Gates in coming months will meet with wealthy individuals in China and India to talk about the pledge in the hopes of adding more names from outside the US," The Wall Street Journal said.

On Wednesday, 34 people joined six billionaires, including Gates and Buffet, who have taken the pledge. They included New York Mayor Michael Bloomberg, Director George Lucas, David Rockefeller, and media mogul Ted Turner.

US has 403 billionaires the most in the world, and New York tops the list within the country. The number two spot is taken by to China, which is followed by Russia.

This year, the Forbes list of the richest people features two Indians in the top ten. Industrialist Mukesh Ambani is at the fourth spot with a networth of USD 29 billion, followed by steel tycoon Lakshmi Mittal who has a networth of USD 28.7 billion.

Although China has larger number of billionaires, ten of Asias top 25 rich are from Indian, while China has one. These include Ambani and Mittal in the top two positions, along with Azim Premji (USD 17 billion), Anil Ambani (USD 13.7 billion), Shashi and Ravi Ruia (USD 13 billion), Savitri Jindal (USD 12.2 billion), Kushal Pal Singh (USD 9 billion), Kumar Birla (USD 7.9 billion), Sunil Mittal (USD 7.8 billion) and Anil Agarwal (USD 6.4 billion dollars).

Gates with a networth of USD 53 billion dollars is the second richest man in the world after Mexican telecom czar, Carlos Slim Helu who has a net worth of USD 53.5 billion. Buffet comes in third with 47 billion dollars and has pledged to donate 99 percent of his wealth.

"In 2006, I made a commitment to gradually give all of my Berkshire Hathaway stock to philanthropic foundations. I couldn''t be happier with that decision," he wrote in a pledge letter.

"Now, Bill and Melinda Gates and I are asking hundreds of rich Americans to pledge at least 50 per cent of their wealth to charity." Bill and Melinda Gates have given more than $28 billion to their foundation since it was founded in 1994 that focuses on health and education.

"We have committed the vast majority of our assets to the Bill & Melinda Gates Foundation to help stop preventable deaths such as these, and to tear down other barriers to health and education that prevent people from making the very most of their lives," Gates wrote in his pledge.

Source:- Yahoo News

USA- ' Unemployment Stays at 9.5% ' - Wall Street

2010-08-07T00:22:00.002+05:30

Payrolls Shrink by 131,000, More Than Expected, Unemployment Stays at 9.5% - Wall Street.

'Christopher S. Rugaber, AP Economics Writer, On Friday August 6, 2010, 10:34 am '
WASHINGTON (AP) — Companies showed a lack of confidence about hiring for a third straight month in July, making it likely the economy will grow more slowly the rest of the year. The unemployment rate was unchanged at 9.5 percent.

Private employers added a net total of only 71,000 jobs in July, far below the roughly 200,000 needed each month to reduce the unemployment rate.

The modest gains were even weaker when considering a loss of government jobs at the local, state and federal levels in July that weren’t temporary census positions. Factoring those in, the net gains were only 12,000 jobs, according to the Labor Department’s July report Friday.

Investors reacted by selling stocks and shifting into more conservative Treasury bonds. The yield on the 10-year Treasury note, which helps set rates on mortgages and other consumer loans, fell to 2.85 percent from 2.91 percent late Thursday. Major stock indexes all fell.

The department also sharply revised down its jobs figures for June, saying businesses hired fewer workers than previously estimated. June’s private-sector job gains were lowered to 31,000 from 83,000. May’s were raised slightly to show 51,000 net new jobs, from 33,000.

“There is still a labor market recovery, but it’s a very, very weak one,” said Nigel Gault, chief U.S. economist at IHS Global Insight.

Overall, the economy lost a net total of 131,000 jobs last month, mostly because 143,000 temporary census jobs ended.

The slow pace of hiring will weigh on the recovery, he said, with economic growth in the current quarter likely to come in even lower than the April-to-June quarter’s already weak 2.4 percent.

The “underemployment” rate was the same as in June, at 16.5 percent. That includes those working part time who would prefer full-time work and unemployed workers who’ve given up on their job hunts.

All told, there were 14.6 million people looking for work in July. That’s roughly double the figure in December 2007, when the recession began.

Even if hiring picks up, it will take years to regain all the jobs lost during the recession. The economy lost 8.4 million jobs in 2008 and 2009. This year, private employers have added only 559,000 new hires.

Friday’s report is being closely watched by the Federal Reserve as it considers ways to energize the recovery. The report could persuade the Fed to take new steps to boost the economy and keep interest rates at record lows when it meets next week.

Without more jobs, consumers won’t see the gains in income needed to encourage them to spend more and support economic activity. Even those with jobs may not feel confident enough to ramp up their spending.

That’s important because many of the trends driving economic growth earlier in the recovery are fading. Companies boosted production in the winter and spring to rebuild inventories that were depleted in the recession. But that boost won’t last much longer. And the impact of the federal government’s stimulus package is also declining.

The economy grew at 5 percent in the fourth quarter last year and 3.7 percent in the first three months of 2010. But that slowed to 2.4 percent in the April-June period. That’s not fast enough to generate many jobs and reduce the unemployment rate.

Many companies appear to be getting more out of their current employees rather than adding new staff. The average work week increased by one-tenth of an hour to 34.2 hours, the department said. That’s up from about 33 hours in the depths of the recession.

Average hourly pay also rose 4 cents to $22.59, up 1.8 percent from a year earlier. That, along with the increase in hours worked, could provide some boost to spending.

The number of temporary jobs fell by 5,600, the first drop after nine months of gains.

Employers usually hire temp workers if they need more output but don’t want to hire permanent employees. But “firms aren’t even adding temporary workers right now,” Gault said.

Manufacturers added 36,000 jobs in July, slightly above its monthly average this year. Those gains were aided by General Motor’s decision to keep its plants running last month. Usually it closes them and temporarily lays off employees to retool for the new model year.

Construction firms cut jobs for the third straight month, losing 11,000, while financial firms shed 17,000 workers.

But retailers added 6,700 jobs. And the leisure and hospitality industry hired 6,000 additional staffers.

Corporate net income rose sharply in the second quarter, but businesses aren’t yet using the proceeds to ramp up hiring. Companies in the S&P 500 index reported a 46 percent increase in net income for the April-to-June period, compared to a year earlier.

But many employers are uncertain about the direction of the economy. Some are concerned sales will slow once government stimulus and other temporary factors fade. Others fear what will happen if federal income taxes are allowed to rise next year as tax cuts enacted by President George W. Bush expire.

“People have a long worry list they’re looking at,” said Ethan Harris, chief economist at Bank of America Merrill Lynch.

Some companies are adding permanent workers. The hospital chain HCA Inc. has 8,300 open positions, company spokesman Ed Fishbough said. That includes nurses, physicians and information technology professionals needed to build HCA’s ability to handle electronic medical records. HCA employs about 190,000 people.

But layoffs are also continuing. FBR Capital Markets, an investment bank based in Arlington, Va., cut its work force by about 15 percent in early July to about 500 employees, saying it needed to reduce costs.

AP Business Writers Stephen Bernard and Tali Arbel in New York contributed to this report.

source: Yahoo finance

OPEN INTEREST AND ITS INTERPRETATION

2010-08-03T22:46:00.006+05:30

A CONTRACT HAS BOTH A BUYER AND A SELLER, SO THE TWO MARKET PLAYERS COMBINE TO MAKE ONE CONTRACT. THE OPEN-INTEREST POSITION THAT IS REPORTED EACH DAY REPRESENTS THE INCREASE OR DECREASE IN THE NUMBER OF CONTRACTS FOR THAT DAY, AND IT IS SHOWN AS A POSITIVE OR NEGATIVE NUMBER. AN INCREASE IN OPEN INTEREST ALONG WITH AN INCREASE IN PRICE IS SAID TO CONFIRM AN UPWARD TREND. SIMILARLY, AN INCREASE IN OPEN INTEREST ALONG WITH A DECREASE IN PRICE CONFIRMS A DOWNWARD TREND. AN INCREASE OR DECREASE IN PRICES WHILE OPEN INTEREST REMAINS FLAT OR DECLINING MAY INDICATE A POSSIBLE TREND REVERSAL.

RULES OF OPEN INTEREST

1. IF PRICES ARE RISING AND OPEN INTEREST IS INCREASING AT A RATE FASTER THAN ITS FIVE-YEAR SEASONAL AVERAGE, THIS IS A BULLISH SIGN. MORE PARTICIPANTS ARE ENTERING THE MARKET, INVOLVING ADDITIONAL BUYING, AND ANY PURCHASES ARE GENERALLY AGGRESSIVE IN NATURE.
2. IF THE OPEN-INTEREST NUMBERS FLATTEN FOLLOWING A RISING TREND IN BOTH PRICE AND OPEN INTEREST, TAKE THIS AS A WARNING SIGN OF AN IMPENDING TOP.
3. HIGH OPEN INTEREST AT MARKET TOPS IS A BEARISH SIGNAL IF THE PRICE DROP IS SUDDEN, SINCE THIS WILL FORCE MANY 'WEAK' LONGS TO LIQUIDATE. OCCASIONALLY, SUCH CONDITIONS SET OFF A SELF-FEEDING, DOWNWARD SPIRAL.
4. AN UNUSUALLY HIGH OR RECORD OPEN INTEREST IN A BULL MARKET IS A DANGER SIGNAL. WHEN A RISING TREND OF OPEN INTEREST BEGINS TO REVERSE, EXPECT A BEAR TREND TO GET UNDERWAY.
5. A BREAKOUT FROM A TRADING RANGE WILL BE MUCH STRONGER IF OPEN INTEREST RISES DURING THE CONSOLIDATION. THIS IS BECAUSE MANY TRADERS WILL BE CAUGHT ON THE WRONG SIDE OF THE MARKET WHEN THE BREAKOUT FINALLY TAKES PLACE. WHEN THE PRICE MOVES OUT OF THE TRADING RANGE, THESE TRADERS ARE FORCED TO ABANDON THEIR POSITIONS. IT IS POSSIBLE TO TAKE THIS RULE ONE STEP FURTHER AND SAY THE GREATER THE RISE IN OPEN INTEREST DURING THE CONSOLIDATION, THE GREATER THE POTENTIAL FOR THE SUBSEQUENT MOVE.
6. RISING PRICES AND A DECLINE IN OPEN INTEREST AT A RATE GREATER THAN THE SEASONAL NORM IS BEARISH. THIS MARKET CONDITION DEVELOPS BECAUSE SHORT COVERING AND NOT FUNDAMENTAL DEMAND IS FUELING THE RISING PRICE TREND. IN THESE CIRCUMSTANCES MONEY IS FLOWING OUT OF THE MARKET. CONSEQUENTLY, WHEN THE SHORT COVERING HAS RUN ITS COURSE, PRICES WILL DECLINE.
7. IF PRICES ARE DECLINING AND THE OPEN INTEREST RISES MORE THAN THE SEASONAL AVERAGE, THIS INDICATES THAT NEW SHORT POSITIONS ARE BEING OPENED. AS LONG AS THIS PROCESS CONTINUES IT IS A BEARISH FACTOR, BUT ONCE THE SHORTS BEGIN TO COVER IT TURNS BULLISH.
8. A DECLINE IN BOTH PRICE AND OPEN INTEREST INDICATES LIQUIDATION BY DISCOURAGED TRADERS WITH LONG POSITIONS. AS LONG AS THIS TREND CONTINUES, IT IS A BEARISH SIGN. ONCE OPEN INTEREST STABILIZES AT A LOW LEVEL, THE LIQUIDATION IS OVER AND PRICES ARE THEN IN A POSITION TO RALLY AGAIN.

THE ABOVE SHOWN PICTURES IS SIMPLE AND EASY TO UNDERSTAND
SO, PRICE ACTION INCREASING IN AN UPTREND AND OPEN INTEREST ON THE RISE ARE INTERPRETED AS NEW MONEY COMING INTO THE MARKET (REFLECTING NEW BUYERS) AND IS CONSIDERED BULLISH. NOW, IF THE PRICE ACTION IS RISING AND THE OPEN INTEREST IS ON THE DECLINE, SHORT SELLERS COVERING THEIR POSITIONS ARE

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SMART Way To Achieve Financial Goals

· 1) List down Financial Goals:

· 2) Categorize and Prioritize:

· 3) Fixing a target date:

· 4) Estimating the cost:

· 5) How much to save?

· 6) Budget the savings:

Start setting your financial goals today.

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WHAT IS 2+2 ?A business man was interviewing applicants for the position of divisional manager. He devised a test to select the most suitable person for the job.He asked each applicant, “What is two and two?”

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Two women were walking through the woods when a frog called out to them and said: "Help me, ladies! I am a stockbroker who, through an evil witch's curse, has been transformed into a frog. If one of you will kiss me, I'll be returned to my former state!"

One woman took out her purse, grabbed the frog, and stuffed it inside her handbag. The other woman, aghast, screamed, "Didn't you hear him? If you kiss him, he'll turn into a stockbroker!"The second woman replied,

"Sure, but these days a talking frog is worth more than a stockbroker!"

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WHAT IS 2+2 ?

A business man was interviewing applicants for the position of divisional manager. He devised a test to select the most suitable person for the job.

He asked each applicant, “What is two and two?”

One woman took out her purse, grabbed the frog, and stuffed it inside her handbag. The other woman, aghast, screamed, "Didn't you hear him? If you kiss him, he'll turn into a stockbroker!"

The second woman replied,