Finance, Projects and Charity

CAT 2013 ; BBC NEWS

Reserve Bank had come-up with its first credit policy and how it's going to affect the economy, people and business. 1. Increase Bank Rate means RBI is ahead to fight the ongoing inflation like the Onion Prices, Vegetables, Fruits and Milk. 2. United States is continuing with the buy-back of bonds for a limited period and India opposing that came up with tightening policy so that it will control the market like stock market, commodity market and more. 3. This will ease the price of falling rupee as Saving will overhead Investment as people will be saving in the bank to get more interest rate. 4. Government had to decrease expenditure and increase the tax revenue. But Government must not cut on the spending for health, education and public finance. 5. Fiscal policies must be good as helping to improve living standard of the people. This will improve the consumption pattern of the people. 6. Home Loan and Auto Loan will increase but still lot of rooms are there to buy. CAT

Credit Card is the same like middleman who provide credit to farmers and people with high interest rate. The credit card charges between 3% to 4% per month on the outstanding amount. They collect unauthorized amount as interest from people. Banks get more than 5% interest for providing credit cards to the people. 88% of credit card is issued in India. This 88% is controlled by just 10 banks. Indusind Bank, Axis Bank, ICICI Bank and HDFC covers almost 66% of  10 banks. Transaction Fees must be covered as transaction done by the client. Never Ever Buy a Credit Card. Better take a loan. CAT 2013 ; Yahoo News

Reserve Bank Governor Raghuram Rajan, had increased the Repo Rate to create Rupee Stability. This will create the market crash, but Rupee will strengthen due to surprise increase of Repo Rate to 7.5%. Reverse Repo Rate stood at 6.5%. This is considered to be correct not to take the outflow outward. Though some measures must be to free the economy, but inflation must be controlled. Indian Governor had earned US$ 1.4 Billion by swapping Indian Rupee from two exchange swaps. Simple, If market is left unscathed stock market will increase, but we want to increase the productivity. To increase productivity, inflation must be controlled. Otherwise, it will eat the productivity benefit and keep the country the same without much growth. But more to be done. RBI must keep the control going and Finance Minister Fiscal Policies must enhance by providing more benefits to the business community, farmers, contractors and more. But Government must come with more reforms, RBI and Finance Minister

Federal Reserve Governor Ben Bernanke had come up with dazzling policy that Fed will curbing buy-back of US$ 85 billion monthly. But this had created stir in the market, as United States Dollar started to bounce back. In India it created a stir as India Rupee nose-dived and created panic in the economy. Gold and other commodities crashed to its lowest level. But that was provided a good proof that United States Economy is growing. Now, It's just Vice-Versa. Federal Reserve had come-up with sticking with the stimulus package. Why this is happening? Why the American Government had come-up with cheap money policy. But this will bring in Inflation and also create lot of issues like commodity crisis too. This will make the price of Gold to rise. Gold will be once more touching the price of Rs. 32,000/Ounce. But will be for a specific time period of about 2 month period. United States Dollar will come down CAT 2013 ; Yahoo News

The 4th Quarter hiring plan are considered to be promising. Industry, Finance, Insurance and Real Estate are worth promising, which will be having more intake ie., 38% each. In Mining and Construction we see the intake will be near to 40%. Public Administration and Education will be having the same intake like Mining and Construction. Services, Wholesale and Retail intake will be the highest to 43%. Transportation and Utility will be having a medium form of intake like 30%. Net Employment Outlook Finance, Insurance and Real Estate - 38% Manufacturing - 38% Mining & Construction - 40% Public Administration & Education - 40% Services - 42% Transportation & Utility - 30% Wholesale & Retail - 43% Areas: North India - 52% South India - 42% East India - 33% West India - 31% CAT 2013 ; Yahoo News  

Hike of Dearness Allowance to all Central Government employees is passed, but Indian economy is suffering from Current Account Deficit [CAD]. The hike will be 10% for the employees which will be boosting purchasing power to 8 million employees. This increase will be with related to basic salary what he/she will be earning it. The main side is that it will be reaching 5 million ongoing employees and 3 million retirees. What will happen after this increase in Dearness Allowance? First thing, It will be creating inflation which is already increasing. Second Thing, It will create more gap in the Current Account Deficit[CAD]. Third Thing, Prices of goods will increase, but what about people who live below the poverty line. Fourth Thing, This is considered to be just a menu to hitch the vote bank in the ruling favour. Fifth Thing, Dearness Allowance must be kept at least 50% in the saving account. CAT 2013 ; Yahoo News

Inflation is considered to be at the high at 6.1% in August. But Food Inflation is stagnant at 18.2% and this was done by the price of Onion at 245%. Whereas Onion is considered to be main staple food of Indian Continent. The price was Rs. 70/kg and it has increased to Rs. 100/kg in the month of July. Stupid things happened ie., Onion Groupon Deal, Onion Bank Deposits, Onion Sniper to protect the importing Onion, put heists for smuggling Onion, Onion protected by the Central Government, and Onion Weaponization. The RBI Governor is considering to take the situation with monetary policy and Government must come with Fiscal Policies, which is still due. CAT 2013 ; Yahoo News

Actually after New Reserve Bank Of india Governor taking position, Rupee were on the top revival. But actually Rupee appreciated due to handsome growth back home. Or something good happened to India or to the economy. Did Exports had increased better than imports. Did India invent or discover something new products which can change the consumption pattern of the world? If above all happened, automatically India Rupee will appreciate against other currencies. United States of America is planning to curb the bond-buying scheme in the coming quarter, which will appreciate the US$ Dollar. As United States Dollar appreciate which will bring all the currencies, commodities, down. So automatically Indian Rupee will also come down. Wait for that. But please the Government must come up with policies which will bring the export up. If export comes up automatically Indian Rupee will come up, which will bring the United States Dollar down. Waiting for some good fiscal policies and monetary po

Indian Government had already faltered after the great economic reforms of 1991. After that lot of reforms had taken place and we due got lot of good results. Industries boomed, Stock gallore, agriculture started modernisation, employment improved and India became the 2nd best economy of the time. July Indian Industrial Production [IIP] had improved to about 2.6% better than 1.1% growth last month. Due to restriction in Gold Import and Exports rose curbed the Trade Deficit by US$ 10.9 Billion. Global Crude Oil too had done lot of good as the prices of Crude had come down and will be coming down below US$ 100/Barrel. Rupee too also gained lot of lost ground, but more good policies must overcome the ongoing policies. Monsoon was good, but whether farmers take this as an opportunity or not. CAT 2013 ; Yahoo News

Every country must invest adequate amount of the budget in Defence ie., mostly 20% - 25% of the total budget. But Why? The reason being simple. Country grows automatically business improves. Business improvement requires safety. Safety can be provided in three different ways ie., Police to take about internal issues, Border Security Forces which protects the border and Army the head of all. Apart from that Airforce, Navy and Army are the three wings which protect or creates the country. Turbulent countries in Africa are the best examples because they have more resources than another countries but the whole continent is a nightmare to live on. What India must do? India and China in comparison, the world economy trust India much due to its Non-Threatening behaviour. It never involves in other politics too. If India must take decision on its own, I think India is the country everyone will be watching for. So we've to modernize the Defence system. How To Modenize? We don't wan

Lehman Crisis had happened 5 years before, now United States, Europe and other countries are back to the growing stage. But did United States, United Kingdom and Others studies something from the crisis? Absolutely No. The real fact is that, we're going to have more recessions every decade. But the world never studies from it. Because world never thinks about the gap between Rich and the Poor. Rich are getting richer and Poor are getting poorer. The policies which Prez Obama was planning to attack Syria, is going to create more employment, but the business of war will be benefiting companies like General Electric, AIA, Boeing, Defense Companies etc. But to have a war means Billions of Dollars are pumped out. But 80% of the profit is gained by these industries only and other will be paid as labour cost or bribes. Second Thing, 80% are the resources are used by United States, United Kingdom and Europe. They use it for their own growth, ie., right. But they not only exploit the res

Mahabharat is the serial which is prepared with Rs. 100 Cr investment. But this investment must be taken back, will be started with great pomp and must earn more than at 100%, so that it's considered to be successful. Investment is considered to be good in Television. But want to create a culture implant in the ongoing generation and the generation to come. Apart from Mythology, it's a gift that the serial will be highlighting lot of solutions to the ongoing problems like divorce, gap between families, respect to elder generations, Societal problems and more. This mythologies can remove the gap existing in the economy, but never use it for the opposition as their "Ram Mandir" never get created and every election this agenda will come. Lot of responsibilities are there on the part of Directors, to create a goodwill among the people and right things must be copied and implemented in the society. Thanks and have a great success plus want to be a greatest serial epis

Infrastructure in Kedarnath is very low. No Roads, No Bridges, No Pathways to meet the terrific situation. But Uttarachal Government is not doing more to keep the travel industry moving. Uttarachal Government have earned lot of money from the crisis, but not even the earnest mark to create once more a good tourist centre. So, people must take a stand that no one must not go to keep your destiny in trouble. Lot of accident had happened, as lot of lives had gone, infrastructure has washed away, people died not due to accident but lack of food, lot of foods were wasted, still lot of people are not having houses, and lot more. Please let stop this and after finishing building, it's better to start tourism industry moving. Stop this and we don't want to loose more life. Tourism Minister must take action for curbing the tourism, which will stop the epidemics to spread. CAT 2013 ; Yahoo News

Bangladesh want to increase the exports to India, but Indian Government must be trading with partners only with Rupee-Dhaka trade. No United States Dollar must be used, in that place Indian Rupee must take place. The exports had been increased by 12% better than last year. But curb is there for exporting items like tobacco and liqour. Export of Bangladeshi items is US$ 563 Million only whereas India exported about US$ 4.8 Billion. But India had already obstructed the export of Garments as their cost is low due to low labour cost. We can export these items by buying it as we are short of exporting target to United States and Europe. Trading with partnering countries must be done in Indian Rupee as it can multiple the sale as they have to spend these money here only. But we don't buy more items but exporters of India can buy more items which can be re-exported. CAT 2013 ; Yahoo News

India's growth rate has come down from 6.4% last year to 5.3% this year, which is an amazing fact. Where'as China has almost maintained the growth rate above 8%. How they maintained it and we faltered? The reason being, China is keeping up with the reforms whereas Indian Government were sleeping and was cosy with the success stories. Elections is far now and the policy government do is almost hampering the growth rate or else it will be creating a wide gap in the Current Account Deficit [CAD]. 1. Food Security Bill: This bill is passed looking at oncoming elections, where the ruling government want to get majority. What is there in this bill? The major thing is that purchasing Wheat from the market at the price of Rs. 12.50/kg and giving it to the poor for least price of Rs. 1/kg. So what government is doing that it keeps the loss of Rs. 11.50/kg in their account, which they have to redeem it, or print more currency which is the power of RBI or Central Government. Apart from

India require more than 15 chipmaker's to invest in our home soil. The total cost is considered to be US$ 8 Billion Dollars. India is looking to create a local manufacturing and never depend on import. India require about US$ 400 Billion of wafer technology to feed the smart phones, tabs, etc. So the government is planning to overcome it with internal investment in India, better going for import. Imports can be increased to US$ 50 Billion Dollars within the period of 2020. India require more than 15 companies to invest here to keep up with the demand. For this the government is providing subsidy on capital invested, tax free and interest free funds for 10 years. 2 Conglomerates are interested in this Wafer Technology. India's Jaiprakash Associates clubbed with Israel's Tower-Jazz with technical partner IBM Technology. There investment is considered to Rs. 262 Cr and the place will be in Delhi. Another investment will be in Gujarat. Hindustan Semiconductor Manufacturing

Out of 6000 stocks of India which created more profit and never payed dividend more than 30% are many. But only 6 companies are paying dividends like HDFC, Gruh Finance, Eicher, Emami, Hawkins Cooker and Colgate Palmolive. Others just got away from it. One-fifth of BSE 500 companies share more than 30% dividend with the shareholders. Companies who paid dividend are having 41% market capitalisation. Brazil and Chile had already made it mandatory to pay dividends to shareholders. This will make market more market-friendly. The companies which are having good market share are as follows:- 1. Colgate - Palmolive - Market Cap - Rs. 16,665 Cr. 2. Hawkins Cooker - Market Cap - Rs. 892 Cr 3. Emami Limited - Market Cap - Rs. 9,265 Cr 4. HDFC Ltd - Market Cap - Rs 108,097 Cr 5. Gruh Finance - Market Cap - Rs. 3,800 Cr Invest in this companies to earn good profit. CAT 2013 ; Yahoo News

CAT 2013 ; Yahoo News

CAT 2013 ; Yahoo News