Finance, Projects and Charity

http://www.google.com/www.bbc.,com/www.cnn.com/www.ndtv.com/managementofindianeconomy/ “PROF SUBIN's MANAGEMENT” says that Indian economy used to grow at 9% to 9.5% per year, but now it’s reeling around 5.5% to 6%. According to UNDP studies, India is currently ranking as Third largest economy of the world behind United States & China.   What Mistakes The Congress Government Did? They left out infrastructure from their portfolio whereas old BJP government under the banner of Atal Bihari Vajpayee did the work better in their time. Second, Indian economy is an agricultural economy. But no land reforms, land policies and all good lands are sold to builders and huge buildings are built. This must be changed at least land which are producing good return must be kept for future use also, DEVELOPMENT-PROF SUBIN . Third, Industries not industries related to Mukesh Ambani, Anil Ambani, Godrej, Vedanta, Aditya Birla and Tata are not a concern for the government. But we w...

United States Retail Sales Management are increasing shows that the economy is improving. 0.2% increase in spending creates a 0.6% increase in gain of the month of June 2013. This has grown because the employment data shows increase in people getting employment as market improves. This will improve the market confidence of the people and at last improve the price of Real Estate. As employment increases the wage and salary of the people grows. The month of July every one expects the growth of 0.3%, which can easily increase the growth between 0.8% to 0.9%. Inventory too also came down, shows the improvement in sales. Out of 13 retail segments, 9 had shown profitable improvement. Auto, Gasoline and Building Material triggered the growth of the Gross Domestic Product. Auto sales had decreased to 1% from the last sales date of 2.9%. General Motors, Ford Motor Co, Chrysler Group LLC and Honda had shown sales improvement. Chrysler is adding the jobs and Honda is planning to invest more ...

Due to high Milk Yield, Murrah Buffaloes from Haryana is already in demand. It costs normally between INR 100,000 Rupees to INR 250,000 Rupees. It gives a yield of Milk about 28 litres per day. Mr. Singh's Management had bought it for INR 250,000 Rupees and now it's sold 10 times of that price ie., USD$ 41,000 in real terms. This buffaloes name is Lakshmi and won several prize in various competition. Invest in Murrah Buffaloes from Haraya and get about 10 times the price for it.

Indian Management is fighting to get the [INR] Rupee back on stables. The Rupee had fallen to more than 11% against the US$ Dollar. It's considered to be uncertain for the people who're investing in the stock market. We're expecting the Rupee will be falling and reaching the stage of about INR 100 V/s US$ 1 Dollar. Invest in companies who're getting more out of the exports like Ranbaxy, Dr Reddy, Biocon, etc where they'll be getting in US$ Dollar. Invest in United States Real Estates like buying a house for just US$ 25,000 and will provide a return of about US$ 129,000 in the years to come. Foreign Investors are plying out of India as American economy started to grow faster. Invest in Infosys, TCS, HCL, Tech Mahindra and others, as they get their return in US$ Dollar only. Meanwhile in India, they can get more INR Rupee by converting it also. Double gain for them and for you too. Importing items like Oil & Natural Gas are the worst hit sector. Don't i...

Indian Rupee is getting the battering day by day. Whatever measures the Reserve Bank of India and Indian Government Management done is like the stones thrown in the sea. Now they're planning to drain cash from the financial system. For this the auction will be taking place ie., they will be buying 220 Billion Rupee of cash every Monday. They had already increased the short term interest rates. All this done did'nt bring back the Rupee against US$ Dollar. Rupee had fallen more to 61.80 per US$ Dollar. The Finance Minister and the Reserve Bank Governor think that this will bring in Foreign Direct Investment or Foreign Institutional Investors to India. This cash management will bring down the growth rate as well as the confidence in the markets too. Indian Economy is growing at just 5% per annum in 2013. Reforms only can bring the Indian Economy back to momentum.Smart tricks will not work my dear Finance Minister and Reserve Bank Governor, only hard work pays. T...

American Government Management is just Demand V/s Supply, nothing else. Demand V/s Supply pushed millions of people below the poverty line. It created a gap between Rich and Poor Countries. Demand V/s Supply exploited all the resources to its means. Demand V/s Supply created the 2008 Recession. What more we want? Fannie Mae & Freddie Mac [FMCC] created the fall of Mortgage market in United States. Government role in the Capitalist economy will be limited. In USA too, Mortgage market is ruled by the private lending more than the government one. If the government role is not there, finance will be too costly. Obama is planning to pass the Senate Bill, to bring in investors in the Mortgage market. Losses will be covered through reinsurers. Prices in the Real Estate started improving, but the sale has fallen near-by 5%. Fannie Mae and Freddie Mac had lost almost USD$ 187.5 Billion in the time of recession. Due to improvement in Housing Market, they've paid back USD$ 131.6 Bil...

Investing in Brazil, Russia, India, China and South Africa is like investing in pessimistic position. The growth Management of these countries are down due to wrong policies and copycat the western models, which significantly shows immediate growth but hampers the poor section of the community.  Global All-Industry Output Index has grown by 54.1 points in July compared to 51.2 points in June 2013. United States and United Kingdom are moving ahead in the growth race, whereas Japan started to stagnate. First quarter was normal, Second quarter is picking up and we expect the Third quarter will be planning to have a take-off. Now the shift has happened, growth has moved to developed countries from developing ones. who suffered more in the recession period. British companies started picking up, due to the investment done during the time of Olympics and United States too, pumped money by buying bad assets from the market. But still money pumping continues by the Federal Reserve, wh...

A company with sales of Rs. 4614 crore [USD$ 908 Million], having a operating profit of about Rs. 1440 crore [USD$ 283 Million], Profit after tax Rs. 947 Crore [USD$ 186 Million] and EBITDA Margin is 31% will be best bet to buy for investment purpose.   THIS OPTION IS FOR INVESTMENT PURPOSE ONLY AND NEVER DO DAY-TO-DAY TRADING. SPECULATORS WILL TRY TO DESTROY IT.  Wockhardt Management is rated 5th in Price to Earning to Growth ratio[PEG]. The Operating Margin is a bit high at 35.09%. Current Ratio is 1.86 times below the sectoral average of 2.4 times. Price to Earning Ratio is very low. But Return on Assets is near to 20%. Return on Equity was 75% before which was too high and will be averaging around 40% in the year 2013. Debt to Equity is 0.61 times but its considered to be okay. Cash per Share is considered to be near to 100 times which will come back to 60 times. Wockhardt has to work more on Market Capitalisation. Liability is 9.91 Billion. Book Value per share ...

Jobless claims of US Management are down by 19,000 to 326,000 by the last week of July 2013. Four week moving average fell by 4500 points, which means the Dow Jones Industrial Average will reaping more profit. Slack season in auto sector continues until the market growth catches up. Unemployment rate had come down to 7.5% from 7.6%, which created jobs for 185,000 jobs. The first quarter growth was 1.1% and the second half increased by 1.7% , which was provided by Commerce Department. Strong growth will be compounded by the rejuvenated Bond buying scheme put forward by Federal Reserve Chairman Ben Bernanke. Manufacturing sector activity rose sharply in July 2013 better than June estimate.  This shows that market is growing faster with the help of Manufacturing sector. Now Europe market will start to move up in the near future. Freddie Mac has come up with the 30 year loan rose to 4.39% better than 4.31% last week. Construction Spending down by 0.6% and Home Prices increased to...

Ben Bernanke Management is doing the same mistake which Allan Greenspan has done before the arrival of recession. Allan Greenspan's idea is to keep the interest rate low, pumping in more money to produce more and alas the money landed in Stock Market, Commodity Market and in the Mortgage Market. United States Dollar[$] had already been a margin currency, now it's planning to move up.  Markets too, did'nt appreciate the move. Dow Jones did'nt show any sign of life whereas commodity market dipped too. Federal Reserve Meeting July edition confirmed that USD$ 85 Billion quantitative easing is on till the end of the year. The biggest mistake is that to keep the interest rate down, as money starts moving not to add products but will land in Stock Market, Commodity Market or even Forex Market. But what about creating Macro-Demand in the market. Pumping or Moving money to the stock market will not do anything good, but producing something will be creating value. Never judge...

Consumer Confidence Index had fallen to five years low at 80.3 below the median of 81.3. The Confidence Index has come down, but consumer started purchasing cars, buy homes and other appliances. Employers too started to do more investment, creating more intakes of employees for creating more products for the future. Even people started buying cars too. United States Corporate Management started to achieve profit after a big gap after recession. Housing Market started to take-off and this is the best time for investment. Because still the market is below the Housing median and more growth is in the ample. Job Market is improving and cost of Real Estate is very low, so gain from your investment by investing now. The other market is timber market, which will improve as housing demand increases. Labour market too found more improvement in the past six months as employment increased by 200,000 a month than the past six months from 180,000 per month. Market will go up as unemployment w...

United States Economic Management is on the path of recovery. The expectation of the people are more too. This concept had been derived by looking at the Consumer Sentiment Index which has risen to 85.1%, ie., an increase of 1% compared to last month's 84.1%.  But if you compare with last year, same period, it had increased by whopping 17.7%. But people are not investing nor consuming as they expect the interest rate to rise in the near future. We expect the saving trend can go up.  Consumer whose income is more than or equal to USD$ 75,000 started investing in Housing sector [25%] as compared to 6% in June 2012. Though everyone is optimistic about growth, but we see the spending is increasing slightly by mere 0.3% this May 2013. Optimism is there, still people are worried to invest nor spend. High income groups started investing in Housing sector, Stock Market and will be benefitting from it, but lower income group stands out of it.  Retail sector, a booming secto...

Goldman Sachs has commented that Gold will reach the remarkable price of USD$ 1400/Ounce this calender year. The reason for this is that Federal Reserve Management had come up with the idea of tapering of Bond Purchases amounting USD$ 85 Billion nor stopping it at once. So we see the galloping price of Gold, Silver, Copper, Crude Oil and other metals in the commodity market. This suggestion is wrong and can be proved wrong with the following details. Please don't invest in this metal unless it reaches the bottom of the pyramid [USD$ 800/Ounce].  Gold prices started inflating after the Federal Reserve started the stimulus package of USD$ 85 Billion Bond buying policy in the year 2010. But now, they'ad almost reversed the policy. They did'nt stop it, but started curbing it. Due to this US Dollar which were pumped in plenty will be less in the world market. This money got siphoned in the commodity market and started ballooning it. China and India which were at the peak hav...

United States Management can once more become the best economy in the world, but it had it's own implications. Education sector must be enhanced in the Primary and the Second level School classes accompanied by Vocational skills program to create work. Retirees must be provided adequate pension plan with built-in inflation benefits. Provide them due medical benefits too and use them to train other students, teens and people related to that field. Immigration, a headache now seen in United States Economy, but will be providing skilled manpower to fill the gaps of technology, engineering, etc in the current scenerio. Trade is not a one way affair, must provide ample opportunities for importing countries to provide products to United States Market, plus gives them US Dollar[$], which in turn can create export from the United States Market. Slight import-export gap can be resolved in a cheeky way, but constraints can't do any benefit. Actually the number of product...

Realtors Management of USA had released the Sales Report of Real Estates which magnifies increase in sale up to 15% compared to last year, but In June 2013, its Vice Versa shown a dip in sale of 1.2%. The reason being the mortgage rates are higher in key areas like New York, California and Hawaii, increase in inventory levels and lack of speeding activity kept the demand low. Mortgage Rates had increased due to recent curbing of  Bond Buying worth USD$ 85 Billion/Month by the Federal Reserve and everyone expected the increase in Interest Rate respectively. In May 2013, due to high Interest Rate prediction also shown the increase in sale of houses, ie., temporarily started to create more demand in the existing market. But after that,  Inventory level kept on rising tempted the drop in supply of houses too. Apart from that diminishing number of deals were done due to foreclosures, short sales and discount sales. But the National Median Prices keep on increasing...

Detroit Management , considered to be the mayhem of auto-makers around the world is in the realm of bankruptcy today. The World's famous three auto-makers ie., Ford, General Motors and Chrysler were in the same situation in the year of 2008 recession. American Government pumped in Billions of Dollars to save the auto-makers at that time. By the way, the Government did'nt do anything to save the city, Detroit. Detroit is facing bankrutcy for about USD$ 18.5 Billion. This crisis happened due to benefits provided by municipal authorities to corporates of 2008 recession on an uneven basis. Now, the city though rejuvenated from crisis in 1950's were having more pensioner's than working population. This created more liabilities than providing value or recreating it by producing cars or other automobiles to the world economy. Investors in Municipal Bonds of the city had lost value and started dumping it. Now the city Detroit, is waiting for the guile of United States Mana...

The prices of vegetables are getting costlier in developing countries due to wrong Management advices put forward or directed by G-7 countries. Today we've another news that onion prices are all time high in India due to decline in supply from the farm. The reason is the drought season last production year and demand is already high now. But the growth of India was above 9% in the year 2011, but now it'as been reduced to below 6%. Liberalization, Privatization and Globalization already gave India and the world, some good thoughts. But now, we're on the beating end. These liberalization created a big gap between the Rich and the Poor. Apart from that there's a gigantic gap between the Industrialist and Agriculturist. These gaps were created because the benefits of government policies are favoring the Industrialists. They make lot of money, where Agriculturists, having small size farms, low productivity, low on technology, never benefit from it. So, these policies cre...

John Paulson, Hedge Fund Management plus Billionaire is still betting on Gold and United States Real Estates. The reason behind it is that Gold will be best investment in the time of inflation and will crop-up as United States Management had pumped USD$ 85 Billion per month for couple of years to fight recession. As all the money pumped in, Not later than ever it will create inflation in the market, which automatically the price of needy items and after that shift to luxuries. To curn inflation, United States Management will increase the Interest Rate, which provides a vital platform for Gold to flourish. But before that, European Economy Management like Greece, Portugal, Ireland, Spain, etc will have to sell Gold to bring the Euro back to a comfortable position.   But, i too bet more on United States Real Estates than Gold . In the year 2008 recession, all the Real Estate market were crashed due to mortgage problem. It had reached the lower ebb after that. Now, we see a sm...

Indian Government Management is worrying about the fall of Indian Rupee[INR], earmarked more than Rs. 60/US Dollar. This is not due to outflow of Foreign Direct Investment’s[FDI’s] nor Foreign Institutional Investment’s[FII’s]. The main reason for this crisis is the Indian Government Management stopped Financial Reforms in the mid-2008 and keep on gaining the benefits from the past reforms. The economy was growing at about 9% and Management thought that it will continue without doing any reforms. Reserve Bank of India Management was trying to bring the interest rate down as inflation eases, but due to heavy fluctuation of Indian Rupee, they put a cap for overnight borrowing till Rs. 75000 cr. If the BankingManagement want to borrow more, they have to purchase at the rate of 10.25%. To curb the excess money in the market, Reserve Bank Management is trying to issue Government Bonds worth Rs. 12,000 cr. Bank Rate had been increased to 10.25% from 8.25%.  The Governme...

United States Finance is growing, the third example being Goldman Sachs Management has earned an increase in revenue of 30%. The total earning is considered to be USD$ 1.96 Billion this quarter. The main earnings of Management is from Bond sale, which accumulated by USD$ 658 Million. This has tripled its investment which had been done by Goldman Sachs Management . This profits had come due to Government policy of keep the interest rate near to zero. JP Morgan Investment Banking, Citigroup too had benefited from these interest rates. The Management had provided 50 Cent per share as dividend to the shareholders. Goldman Sachs Management too was investing in Shares, Bonds and Loans, which produced the revenue 7 times nearby. The stocks paid nearly above 10% return in the last quarter and this quarter respectively. Return were nearby 30% for Goldman Sachs Management before the recession happened in 2008. The net income of Goldman Sachs Management had increased from USD$ 927 milli...