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Archive for the ‘Discussion’ Category

Infosys Discussion

Posted by sandhyaravii on July 12, 2012

Whts happening in Infosys.

Current Trading price : 2219-2280

rs 5% up

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The 5 Best Ways to Invest in Gold

Posted by sandhyaravii on June 13, 2012

The ultimate dollar hedge investment will always be gold. Investing in gold through ownership of the metal itself, mutual funds, or gold mining stock provides the most direct counter to the dollar. As the dollar falls, gold will inevitably rise. In a moment, we’ll provide you with many ways for positioning your portfolio to profit from a bull market in gold. For now, we emphasize the high probability of gold’s future. The real potential forprofits in the coming years and decades is not going to be found in the traditional American blue chip industry. That is a financial dinosaur that can no longer compete in the world market.

The future growth is going to be seen in gold. The world economy may remain off the gold standard, but ultimately the tangible value of gold as the basis for real value-whether acknowledged by central banks or not-will never change. Historically, this has always been the case, and it always will be. In other words, we are on a “gold standard” in spite of the popularity of fiat.

You have many choices.

In the following paragraphs, you’ll discover five ways to invest in gold. Based on your level of market experience and familiarity with products, one of these will be appropriate for you.

1. Direct ownership. There is nothing like gold bullion, the ultimate expression of pure value. Historically, many civilizations have recognized the permanence of gold’s value. For example, Egyptian civilizations buried vast amounts of gold with deceased pharaohs in the belief that they would be able to use it in the afterlife. Great wars were fought, among other reasons, to pillage stores of gold. Why the allure? The answer: Gold is the only real money, and its value cannot be changed or controlled by government fiat-the underlying reason for governments to go off the gold standard, unfortunately.Gold’s value will rise based on the pure forces of supply and demand, no matter what Mr. Greenspan decrees regarding interest rates or greenbacks in circulation. The big disadvantage to owning gold is that it tends to trade with a wide spread between bid and ask prices. So don’t expect to turn a fast profit. You’ll buy at retail and sell at wholesale, so you’ll need a big price jump just to break even. However, you should not view gold as a speculative asset, but a defensive asset for holding value. Since your dollars are going to fall in value, gold is the best place to preserve value. The best forms for gold ownership are through minted coins: one-ounce South African Krugerrands, Canadian Maple Leafs, or American Eagles.

2. Gold exchange-traded funds. The recent explosion in exchange traded funds (ETFs) presents an even more interesting way to invest in gold. An ETF is a type of mutual fund that trades on a stock exchange like an ordinary stock. The ETF’s exact portfolio is fixed in advance and does not change. Thus, the two gold ETFs that trade in the United States both hold gold bullion as their one and only asset. You can locate these two ETFs under the symbol “GLD” (for the streetTRACKS Gold Trust) and “IAU” (for the iShares COMEX Gold Trust). Either ETF offers a practical way to hold gold in an investment portfolio.

3. Gold mutual funds. For people who are hesitant to invest in physical gold, but still desire some exposure to the precious metal, gold mutual funds provide a helpful alternative. These funds hold portfolios of gold stocks-that is, the stocks of companies like Newmont Mining that mine for gold. Newmont is an example of a senior gold stock. A senior is a large, well-capitalized company that has been around several years and has a profitable track record. They tend to own established mines that produce known quantities of gold each year. For many investors, selection of such a company is a more moderate or conservative play (versus picking up cheap shares in fairly young companies).

4.  Junior gold stocks. This level of stock is more speculative. Junior stocks are less likely to own productive mines, and may be exploration plays-with higher potential profits but also with greater risk of loss. Capitalization is likely to be smaller than capitalization of the senior gold stocks. This range of investments is for investors whose risk tolerance is broader, and who accept the possibility of gold-based losses in exchange for the potential for triple-digit gains.

5.  Gold options and futures. For the more sophisticated and experienced investor, options allow you to speculate in gold prices. But in the options market, you can speculate on price movements in either direction. If you buy a call, you are hoping prices will rise. A call fixes the purchase price so the higher that price goes, the greater the margin between your fixed option price and current market price. When you buy a put, you expect the price to fall. Buying options is risky, and more people lose than win. In fact, about three-fourths of all options bought expire worthless. The options market is complex and requires experience and understanding. To generalize, options possess two key traits-one bad and one good. The good trait is that they enable an investor to control a large investment with a small, and limited, amount of money. The bad trait is that options expire within a fixed period of time. Thus, for the buyer time is the enemy because as the expiration date gets closer, an option’s “time value” disappears. Anyone investing in options needs to understand all of the risks before they spend money. The futures market is far too complex for the vast majority of investors. Even experienced options investors recognize the high risk nature of the futures market. Considering the range of ways to get into the gold market, futures trading is the most complex and, while big fortunes could be made, they can also be lost in an instant.

We cannot know, predict, or even guess, when the demise of the dollar is going to occur, or how quickly it will take place. But we do know it is going to occur. The tragic mismanagement of monetary policy by the Fed over many years has made this inevitable.

Removing the U.S. monetary system from the gold standard was not merely a decision of short-term effect. Nixon may have seen the move as a means for solving current economic problems, but it had long-lasting impacts: trade deficits, growing federal debt, and the ability to print money endlessly and build a new credit-based economy. Internationally, the decision by the United States virtually forced all other major currencies to also go off the gold standard.

Any investor who views the economic situation broadly-both domestically and internationally-can see that trouble lies ahead. We have delayed the inevitable because China is a partner in our monetary woes.

The Chinese are building their own debt on the dubious foundation of the U.S. dollar, and other Asian economies have been forced to go along for the ride. When the dollar falls, many other countries will suffer as well. The offset, logically, is found in commodities. Investing in oil stocks makes sense, for example, because the price of oil is rising and as it becomes more difficult to drill oil those companies that own drilling and exploration operations will benefit. It makes sense to invest in other commodities as well.

The tangible asset play is clearly where future value is going to lie. With China’s never-ending need for coal, iron ore, tungsten, copper, oil, and other metals, the future of tangible markets is the bright spot in the gloomy financially based economics of the world.

Leading the charge is gold. It is ironic that monetary policy follows a predictable pattern.

Governments overprint money and their currency crashes. Inevitably, they always return to gold, but often at great expense and with considerable suffering. We find ourselves in another one of those moments in time where irresponsible monetary policy has put us at risk. But we don’t have to simply hold on and wait for the demise of the dollar; we can take action now because that demise is great for your portfolio-if you position yourself in tangible assets rather than in empty fiat promises and the bizarre economic premise of U.S. monetary policy.

Goods and services can be paid for only with goods and services. Currency is nothing but an IOU, a promissory note that is not backed up with any tangible value. Once we reach our national credit limit, monetary policy will be forced to retreat. When that happens, traditional investors and their savings accounts are going to be hit hard. The beneficiary of the falling dollar will be the investor whose holdings emphasize tangible value of goods: resources and precious metals.

Every danger to one group of people is invariably an opportunity to another. It all depends on where you position yourself. Those investors positioned in dollar-based investments are going to suffer the loss of purchasing power when the dollar’s value disappears. Those who have moved their investments to higher ground will benefit from the change.

Read more: The 5 Best Ways to Invest in Gold http://dailyreckoning.com/the-5-best-ways-to-invest-in-gold/#ixzz1xgiHyHsQ

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Balance both for goodness of life

Posted by sandhyaravii on June 13, 2012

An oft repeated adage — health is wealth — is true to label in all aspects. Be it health or wealth, both need to be carefully nurtured to enjoy and experience a good life. While a sound health keeps us fit, a sound wealth plan can help an individual meet his/her financial goals and help him/her remain stress free.
If we closely observe, there are many more commonalities between the two (see chart When health is wealth).
In today’s fast-paced life, people are conscious about their health but awareness about creating long-term wealth is negligible. Individuals fail to follow the five-step financial planning process — risk profiling, goal analysis, asset allocation, product selection and portfolio monitoring.
Since the various aspects of a sound health and wealth are similar, an investor just needs to know the ingredients to put together a diet/financial plan that is right for him or her.
Just like we have a ‘food pyramid’ that helps us identify the proportion of carbohydrates (bread, cereals, pasta), vitamins (fruits and vegetables) and proteins (meat, legumes, dairy products) for a healthy ecosystem, a ‘wealth pyramid’ must be followed for a ‘wealthy ecosystem’. This includes the asset classes and products that can be mapped according to one’s risk profile (see pic of The wealth pyramid).
Mutual funds can be a convenient and effective way to achieve long-term financial goals and investors can diversify their assets through investments in various classes like equity, debt, gold, etc.
Regular checkups
Be it a health plan or a financial plan, both change according to the individual’s physical and financial health, his/her age and other situational parameters. Hence, a regular review of an individual’s health as well as wealth profile is very important. For investments, at a young age, people can focus on risky investment products such as equity. But as they near their retirement age, they can move to debt investments to provide security and stability to their retirement income.
Conclusion
While the importance of a good health can never be underestimated, it is equally important to maintain a financially healthy life with the help of disciplined investment planning. Having the right balance between a health plan and a wealth plan is the key. What physical trainers/dieticians are for physical fitness and health, financial advisors are the equivalent for wealth creation as both health and wealth need expert advice. Regular check-ups can ensure a stress-free life.
Thus, for an individual, while being healthy is not an option but a way of life, following a financial plan is not a luxury but a necessity of life.
The author is senior director (capital markets), Crisil Research
COMMON GOAL: The wealth pyramid

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Petrol Price

Posted by sandhyaravii on May 31, 2012

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Why should the wedding ring be worn on the fourth finger?

Posted by sandhyaravii on May 29, 2012

Why should the wedding ring be worn on the fourth finger?

 

There is a beautiful and convincing explanation given by the Chinese Legend…

Thumb represents your Parents
Second (Index) finger represents your Siblings
Middle finger represents your-Self
Fourth (Ring) finger represents your Life Partner
& the Last (Little) finger represents your children

Firstly, open your palms (face to face), bend the middle fingers and hold them together – back to back

Secondly, open and hold the remaining three fingers and the thumb – tip to tip

(As shown in the figure below):

Description: Description: http://www.forwardedemails.com/images/wedding.jpg

Now, try to separate your thumbs (representing the parents)…, they will open, because your parents are not destined to live with you lifelong, and have to leave you sooner or later.

Please join your thumbs as before and separate your Index fingers (representing siblings)…., they will also open, because your brothers and sisters will have their own families and will have to lead their own separate lives.

Now join the Index fingers and separate your Little fingers (representing your children)…., they will open too, because the children also will get married and settle down on their own some day.

Finally, join your Little fingers, and try to separate your Ring fingers (representing your spouse).
You will be surprised to see that you just CANNOT….., because Husband & Wife have to remain together all their lives – through thick and thin!!

Please try this out………….

ISN’T THIS A LOVELY THEORY?

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Switch off your RO (water purifier) machine between 10am to 6pm

Posted by sandhyaravii on May 28, 2012

Recent news from our Aquaguard service team…

It’s advisable to switch off the Ro machine during the hot summer by storing enough water as the Tank water comes in is also heat, it might affect the motors inside.

So store enough water and switch off the Machine by 9 or 10am and after 6pm switch on the motor so tht we get fresh water and now switch on the RO machine.

 

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Is Investment in Real Estate buying an house gives real investment or long term burden

Posted by sandhyaravii on May 26, 2012

Investment in real estate (flat/individual house) gives a tax benefit but at the same time current rate on loans is raising..  How to look at this.

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21 Thumb rules to follow, if you want to build a TEAM

Posted by sandhyaravii on May 24, 2012

1. A strong bold initiative and vision inspires teams. It has the right people wanting to be involved.
2. If you are the organizer/leader know that Who is on the team may have more impact then any other choice you make. As they say in golf, all bets are made on the first tee.
3. If you can’t choose who is on your team, clarity of roles and task fit, are very important choices.
4. When a team member leaves or a new member comes on board, don’t forget you have work to do in reforming the team. Really, it’s a whole new team.
5. Don’t forget the fun element “if it’s not fun, you’re not doing it right” (JFK). Try to integrate an element of fun in all the team does.
6. Regardless of who is on your team, overt appreciation of strengths and diversity is a good place to start. Starting with positives is always a good idea.
7. Build trust all the time. Make deposits to the “savings account” you have with each team member. You can, and will need to, “withdraw” from that account in difficult times (thanks Stephen Covey). A key to building trust is rigorous integrity around your word. Do what you say you will do. If you don’t, or have a problem, come clean on it ASAP.
8. Trust is not blind. The more you seek to understand the motives of your team members, the better.
9. All teams go through rough patches. As Dean Kamen says, if you don’t encounter big problems or surprises, you’re not innovating. When it “hits the fan”, be an example in keeping the faith and remaining positive.
10. Vince Lombardi won a lot of championships by focusing on, and repeating endlessly, the most basic plays and fundamentals. Basic fitness and clarity of jobs and roles were the rock he built his teams on. So, when in doubt, return to the basics.
11. Sometimes a person simply shouldn’t be on a team. Be very careful in making this judgment, because sometimes the mavericks are exactly who you need. Still, sometimes people can’t be brought into the fold and focused on the goal at hand. If you are dead sure, cut out the “cancer”. It’s a very tough call, but when you make it you are often thanked for doing it by other team members.
12. Celebrate, celebrate, celebrate. Celebrate victories, even the small ones, and celebrate learning even in failures or setbacks. Edison was of the philosophy there is no failure; be like Edison.
13. Kick-offs are important. Do them with energy and style.
14. Communicate unselfishly, share your knowledge, and share honestly in a way that the person can hear.
15. A good team is always an active learning team.
16. Be aware of the balance and flow of polarities that exist for your team. Remember that too much team can be just as bad as not enough. Allow for individual self-expression within the team. Teams are not problems to solve, they are a mass of polarities to manage (see Bruce Johnson’s “Polarity Management”)
17. Your team is a strong as its weakest link. A good team makes efforts to cover, improve, or strengthen its deficiencies. Read “The Goal” by Eli Goldratt to understand more about the “theory of constraints.”
18. Effective teams engage in constructive disagreement around content with a “yes, and” not a “yes, but” attitude.
19. Listening is key.
20. Know thyself — what you can contribute to the team and what others can contribute that doesn’t come naturally to you.
21. In teams, seek to “pull in” the outliers, the mavericks, those who we tend to exclude. Everyone has something important to offer the team —  find it.

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