Showing posts with label U A Kiran. Show all posts
Showing posts with label U A Kiran. Show all posts

Sunday 12 April 2020

Investment: Shares & ETF

Investors have the option to invest in company shares or index exchange traded funds (ETFs).

We can invest in the shares of the companies listed on BSE and NSE. Index ETFs like Nifty ETF, Sensex ETF and Nifty bank ETF are also available for the investors who do not have knowledge about the share market. Other ETFs are also available for investors to diversify their portfolio.






Saturday 11 April 2020

Investment: Investing in Share Market

Before investing in share market, we must open Trading and Demat account.

Trading account is used to buy and sell the shares while Demat account is for storing the shares. Trading account is opened with a SEBI registered broker.

Once the trading and demat account is opened, we can place an order after transferring an amount in the trading account from a linked bank account. A buy order or a sell order is placed to buy or sell shares.

Day trading is buying the shares for a single day. The shares are sold before the close of the trading session of the day. And a delivery is buying the shares to hold them for a time period. The shares are sold when the shareholder places a sell order.


Friday 10 April 2020

Investment: Share Market

After mutual fund, it is now the time to understand share market. This is the most risky investment. Investing in equity will give a good return in short and long period. We need to be careful in investing in share market or else we will lose our money.

Share market is a place where shares are bought and sold. The shares are traded in two major stock exchanges: Bombay stock exchange (BSE) and National stock exchange (NSE).

The shares of the listed companies are available for trading in the stock exchanges. The top 30 companies in BSE is Sensex. Similarly, the top 50 companies in NSE form the index named Nifty.

These exchanges are regulated by the Securities and Exchange Board of India (SEBI).


Thursday 9 April 2020

Investment: Types of Mutual funds

There is a lot of mutual funds for the investors to choose from. Investors can choose from the lot ranging from low risk to high risk funds.

Investors have the option to select any of the funds or diversify their portfolio with more than one fund. Once invested, the fund manager takes the job of investing the money in the stocks alloted for the fund.

Large cap fund is the least risky fund while small cap fund is the most risky one. Mid cap fund is also available for investors who are not willing to take too much risk. Multi cap fund is the combination of large, mid and small cap stocks, in addition to the fund with combination of investing in shares and debt instruments.

Apart from the above funds,  index funds, sectorial and thematic funds, liquid and debt funds are also available for investors to invest their money. 

Wednesday 8 April 2020

Investment: Mutual Fund

After investing a certain amount which has immediate requirement in safe deposits, investors can move up to some risky options available to us like mutual funds and stock market.

A mutual fund pools investments from many investors to buy securities.

Investing in mutual is riskier than fixed and recurring bank and post office deposits, EPF and PPF.

They are subject to market risk. Investors who have no knowledge to invest in stock market directly, can invest in mutual funds. The selection of right funds is essential to create wealth in long term. 

Tuesday 7 April 2020

Investment: Post Office Savings Schemes

Investing in post office is also a safe investment. There are various saving schemes as well as National Savings Certificates.

We can invest in fixed and recurring deposits.

PPF can also be invested from any post office. 

Monday 6 April 2020

Investment: EPF and PPF

We can invest in EPF and PPF.

EPF or Employer's Provident Fund is directly deducted from employee's salary. Employer also contributes to the EPF. A part of the employer's contribution goes to pension scheme. Since employee and employer contribute equally to the fund, it is the best investment for the investor looking for wealth accumulation with fixed return.

PPF or Public Provident Fund is contributed voluntarily by the investor who is investing  for long term and looking for secured return. PPF can be opened at any bank or post office with the facility and can be transferred to any bank or post office.

EPF and PPF are safe investments.

Sunday 5 April 2020

Investment: Fixed and recurring deposits

The amount saved for six or more months should not be kept in saving account.

We should convert it to fixed deposits. It is easy to break the deposits as and when there is any emergency and the fund is required.

We have an option of sweep-in and sweep- out wherein the excess money is automatically converted to the fixed deposits. The last deposit is broken if there is any withdrawal.

Recurring deposits can be initiated where a fixed amount is deducted from the savings account and credited to recurring deposit account every month on a scheduled date for a certain period.

The principal amount along with interest is credited to the savings account on maturity of both fixed and recurring deposits.

Friday 3 April 2020

Investment: How much should we save?

Now the question is: How much should we save?

Saving should be enough to cover your immediate expenses for a few months. One has to decide one's comfort level of immediate expenses. Some may feel comfortable with six months expenses amount while others may need more.


Sunday 10 November 2019

Investment: Save first


Investment should start with our income. We have to save first from our income. We know, Income - Expense = Saving.

Here we have a problem. After considering all the expenses, saving would be the second priority. 

If we change the formula to Income - Saving = Expenses, saving becomes the first task to do after we earn salary,  wages,  bonus and other incomes. 

So separating immediately some portion of our income as saving would compel us adjust our expenses to a certain limit.  

Set a target for saving say 5% or 10% to begin with and slowly increase the saving percentage every year or as required. 

Tuesday 29 October 2019

Investment Types

Types of investment depends on the choice we make. Investment can be of the type suitable for us.

Investment ranges from least risk one to highly risk one. The choice of investment is highly depending on our basic character. How risky are we?  The simple answer to this question helps in the selection of the type of our investments.

Setting goals, terms of the goals and types of investment makes the complete planning in the matter of investment.


Monday 28 October 2019

Investment Goals

Investment goals are as important as the investments. Investment without any goal is just like vagabond.

So there should be goals set for investments. Whether you are investing money, time or energy, there should be goals set to record the performance. If the performance is as expected, you are in the right direction and if the performance is below expectations, you need to change your goal.

Goals may be short term or long term or both. After you achieve your short term goal, set another one or extend it to a long term one. 

Saturday 26 October 2019

Investment

Investment is a part of our life and it will always be the part of this world. The present world is the outcome of some sort of investment we all do.

We all do some kind of investment. Some invest money,  some invest time and the rest invest energy. It may be the combination of any two of money, time and energy or all of them.

Investing is not enough. Success in investment is equally important. Not all would be successful in investments.

We should invest for the well-being of ourselves, the people we love and sometimes the people we do not know. 

Heart Attack 2

After the confirmation of the attack, the doctor recommended bypass surgery. My father was not ready for surgery. Thinking to take second opinion, my father was discharged from hospital.

The second opinion also confirmed the need of the bypass surgery. My father had neither diabetes nor blood pressure. So the doctor felt compared to other patients, my father 's condition was less risky. But without the surgery, it was very risky. Finally we were ready for the surgery. And my father too.

In the month of January 2019, he was operated successfully. During the operation it was revealed that there was a problem with his lungs. They were like black grapes.  This was the effect of his smoking habits. My father used to smoke a lot. Soon after his retirement, he did quit smoking. But the effect of the habit was huger than he had thought.

However the lungs would start to recover, once anyone quits smoking. My father was discharged with the next visit date for checkup and the prescription of medicines which he should take regularly.

Friday 11 January 2019

Heart Attack


My father had suffered an attack in December 2018. It was a surprise for us as he was fit even he was 74 years old. On 1st day of the month he completed his 74 years. There was nothing special on the day as I, his son, was working outside Kerala and his daughter was staying outside India. It was a normal celebration with normal food at the fixed timing just like another day. My parents' daily schedule: 8:00 AM Breakfast 1:00 PM Lunch 4:00 PM Tea & snack 8:00 PM Dinner My father has no driving license. So he will have to walk to nearest shop or travel by bus or auto to visit anyone or any place. This was his daily routine along with watering the plants around our house. So when the ECG report and the doctor in the local hospital confirmed the heart attack, we could not believe our ears.

Tuesday 31 July 2018

No Alternative To Education

It is true there is no alternative to education and it is truer 
that there would never be an alternative to job-oriented education, which is missing in India. 
The students are found to be taught more, remembering less, utilizing least of what they have learnt. Does a scientist or an accountant remember everything of literature, history and geography learned in school? 

The system of specialization in a particular area of students' interest should be put into action at the stage when they are able to decide on what their ambitions are. Students are given to write an essay on their ambitions in their life quite early, but are not shown the right way to achieve them. 

The present system of education could be replaced with the specialization system in each area of students' choice and all the other subjects could be merged into one book to give the students the general awareness on various subject matters.

Monday 30 July 2018

THE DREAM

Seema was preparing to sleep by changing the bed sheet and keeping the pillow at the head of the bed and finally tying the mosquito net while her daughter who was watching her every movement, sat on a chair placed near the bed. After all was done, she called ‘Come, Nita.’

But Nita didn’t make any movement, instead she looked at her mother’s face.

She called again ‘Come, Nita, It’s your bed-time.’

‘I don’t want to sleep, mom.’ she said.

‘Why?’ Her mother asked.

‘I don’t want to see that dream again.’ Nita answered.

‘It will not come today.’ Seema consoled her, brought her into the net, switched off the light and went out of the room.



But after a few hours of sleep, the scream of Nita brought her parents, grandmother and brother into the room.

 Nita, on seeing her mother, jumped towards her saying ‘I saw that dream again.’

She described in this way: She heard a noise, which made her to rise from her bed and walk towards that sound. She came into her brother’s room and saw a demon with two horns on his head, chopping off her brother’s head and after that she opened her eyes and screamed.

Her brother, Arun, laughed at her. Her father, Bimal, also added that it was only a dream and it had nothing to do with real life. But Bimal’s mother had some other notion. According to her, the meaning of this dream might be the forecasting of some unpleasant event. She thought of this type of dream was the sign of ill-omen.

The rest didn’t take any heed of her words and went quietly to their beds, but Seema joined her daughter only to remove the fear in her mind.

Next night same thing happened. Nita had the same dream and screamed, bringing the rest of the family into her room and again her grandmother warned them of the ill-omen which was sure to follow soon. The rest of the family was not taking this to be so serious, but the grandmother had decided to take steps to rescue Nita from the imminent danger. After thinking about this matter she made her decision of meeting Swami Dharmananda whom she had heard of and she believed that swami would a way out of this.

Swami Dharmananda came into their house and had a glance around the house, and after looking at Nita he said that there were two reasons for her present condition.

Grandmother asked him as a disciple, ‘What are they?’

‘Only you can save us from this danger.’ She said again.

‘Danger! Danger!’ He suddenly shouted ‘Life is full of danger.’

‘Oh! Is that so? I didn’t know this fact.’ Bimal said.

Swami had a look at him and said ‘I am here to avert the danger’.

Bimal asked ‘Swamiji, you haven’t told us about the two reasons for my daughter’s condition?’

Swami smiled and said ‘I was going to tell that. First of all it is the wrath of Sani Deva.’

‘The wrath of Sani Deva,’ grandmother cried out, ‘God save my child.’

‘What action of an innocent child can make Sani Deva angry, Swamiji?’ Seema asked.

‘You don’t know that sometimes human beings have to pay the penalty for the deeds done in their last birth.’ Swami Dharmananda explained.

Arun asked for his second reason and swami said ‘From her dream I can understand well that the demon is ruling her mind.’

Arun said ‘Now-a-days, human beings are sometimes demon-like, swamiji.’

Dharmananda smiled once again and tried to make him understand ‘This kind of thing is out of your understanding, my child.’

Grandmother asked ‘What can we do to save the child, Swamiji?’

‘The process is little bit expensive. But don’t worry I will try to do it in another method. I  will not be responsible, if this will not help the child.’

‘Don’t worry. You do in your method. Don’t worry about money.’ Grandmother said.

Suddenly swami got angry and he stood up. ‘I am not thinking about money. I am only thinking about this child. You are talking about money. This is my insult and I will not…..’

Grandmother fell on his feet and said ‘forgive me, swamiji, my intention wasn’t to insult you. You don’t know my current state of mind.’

‘I know everything.’ Swamiji said this. Suddenly he became cool and sat down and said to grandmother ‘By performing a puja, I can remove all the calamities in her life.’

Then Swamiji gave a list of materials which should be collected for the performance of the puja and the preparation for a blissful atmosphere for the same. Swamiji said ‘I will come tomorrow.’

After his departure, Bimal talked to his mother, ‘I didn’t expect this from you.’

‘What have I done?’ She asked.

‘What’s the use of calling this swami?’

‘Only to save my child.’ She said honestly.

‘I said nothing had happened to her, but you…’

You will not understand this’ She only said this and left him alone in the room to think about the matter.

Next morning when Nita came out of her bed, she had a singing smile on her lips, which astonished all.

Seema asked ‘What happened, Nita? After a long time, we are seeing you smiling.’

Nita explained ‘I again had a dream.’

‘And you are smiling now. Well, it never happened before.’

‘I had a different type of dream.’ She explained.

‘What?’ Bimal asked.

And Nita started ‘What I saw in this dream could be said to be the concluding part of the previous dreams. That demon had the head of my brother chopped off, but my brother still stood on his feet dancing, which pleased the demon who ultimately kept back the head on his neck.’

Sunday 29 July 2018

HOW COULD I HAVE DREAMED YOU?

How could I have dreamed you?
I do not know you.
But you were there
I can feel you even now
You smiled while I was there
I can feel you even now
How could I have dreamed you?
I do not know you.

My eyes are open now
Your face is gone
It is all black now
Where have you gone?
How could I have dreamed you?
I do not know you.
But I embraced you
I can feel the warmth in my heart
So much I now miss you
There is the warmth in my heart
How could I have dreamed you?
I do not know you.

Saturday 28 July 2018

5S In India

Recently we have cleaning and hygiene week plan with a Japanese management methodology 5S: Sorting (Seiri), Straightening or sorting in order/ stabilize (Seiton), Sweeping or shining or cleaning/ systematic cleaning (Seiso), Standardizing (Seiketsu), Sustaining the discipline or self-discipline (Shitsuke).Department-wise everybody has contributed and it was not only executed successfully but also maintained on daily basis.

What I am thinking if a methodology can be implemented in an organization, whether 5S can be implemented in our country. If our country is assumed as a big organization with the government as the management team, having the power to put 5S into practice and every citizen of India being educated in how to contribute and maintain it for the sake of our nation, would not be a bad idea. The complete scenario would differ incalculably, if it is put into action successfully and we would come up not only as a clean and healthy India but also an organized India.

Friday 27 July 2018

Indians Employable Globally


Indians employed in the foreign branches of Indian companies or even the foreign companies are from top B-schools like IIMs and tech-schools like IITs. Diversity in languages, cultures and religions in Indian make them adapt to the foreign cultures quicker than others from other countries.

Undoubtedly the talented are born in India, but the country is not able to satisfy them in the matters of jobs and money. So it is commonly
said: if one wants to earn, one should look for opportunities abroad.

Employees not only  from top B-schools but also from all levels of hierarchy are attracted to the earning potentials abroad.

 It is true that one would find Indians anywhere in this world. Since India still loses its talents to the foreign nations, talents of India are not employed for the advantage of India. To see that our country grows steadily, the talented should be given enough opportunities to grow themselves.