Economics part 3

Finance Information

jagadish



Bonds are they essential

Bonds are essential to an investor for getting fixed income for himself . beyond a certain point of time bonds become a liability to organization as recurring expenditure. hence it is advised to be kept minimum and fixed number of years for it to sustain

bonds are used or should be used by companies only if they are out of cash or don't possess working capital to solve their immediate cash problem. solution is 1 to 2 % of authorised capital should be sufficient .

why 1 to 2 % it is because too much of interest payment makes company a huge debtor. convertible bonds are also essential to certain extent and is better preferred by me as it can sustain the loyal investors to continue with the company

as per my judgement is concerned convertible bonds period shouldn't exceed more than 3 to 5 years and within 3 to 5 years should be converted to shares. even that is debatable to release it as their is a scope of crash down of stock market if too excess convertible bonds are released without knowing the scope of jurisdiction of number of shares being in the market

knowing how many shares are their gives a scope to the company an idea to release the subscribed capital into the market . excess subscribed capital into market can lead to market capitalization crash . changing hands and too excess transfer of shares from bulls to bears. stags can actually work more during the times of convertible bonds by selling away shares during the process of conversion (speculative business ------- stags)

hence jagadish advises that bonds are better than convertible bonds because stags don't come into picture. stags usually do daily sales and purchase making stock market volatile . giving a limit of sales per person can control stags otherwise market capitalization fluctuations can bring down the share price drastically if not checked.

bonds interest rates are paid quarterly, yearly. which one is safe bet : payment of interest rate monthly is always feasible because it gives scope to the organization to know who their loyal customers are and what the demand for the sale is.bonds actual replacement is annuities but annuities is lifelong whereas bond interest payment is short life


investors are usually asked by jagadish to go to mutual funds in indian scenraio in form of either hedging or balanced funds where their is shift between bonds and shares coexistence in case of economy turmoil.

mutual funds usually taken care where public is in abundance and risk management is spreaded within investors and guaranteed safety is attached based upon the risk management taken up by investor within mutual fund.


Thought for the day : types of bonds and its drawbacks

NEXT


How can loans be got back intelligently from debtors of money in short span of time


normally every bank hands over loans to those who need it and is always has to write off loans in abundance. During the phase of recession loans default is much more widespread than normal. at this stage what can banks do to get back money lent to pay to savings employees of same bank

1) give debtor a job
2) ask him how can he contribute to society through his knowledge and groom up others
3) how can the candidate be a role model to other debtors in getting back money

thought for the day :

i cant think beyond the three , best wishes for anyone to think out of box and help me out


NEXT

stock hedging :

hedging is considered to be safest passage for any type of instrument for the investor where it guarantees you about loss and provides a cushion for not fall down of price beyond a certain minimum limit . this is usually seen in mutual funds in INDIA and is followed with a huge hit

suppose the same hedging is kept in stocks what happens ?

stock hedging can be defined as group of shares in a particular industry segment coming together to sell stock under a huge compilation of shares of different companies in a particular industry segment to get cushion for share price of company not fall down below a certain range

stock exchange transactions are usually controlled and transfer of shares is stopped after a period of transactions where exchange sees a danger beyond a certain crash down of stocks in a particular industry if further transactions take place

this particular event can be stopped for coming to crash down limit by keeping a hedging facility in stocks for particular industry .

think is it true what i said ?

suppose this is done all the investors would sell away shares and create a huge amount of sales leading to once again crash down . hence stock hedging should never take place otherwise it leads to stag situation where below the limit of fall stock is sold off .

only bear market would be interested but bear market area of job is limited in stock exchange market. it is usually bull market which actually does more profit and sales

stock exchange other area is bond hedging . what happens here is bonds can never have an hedging facility as it is time bound by nature . at the most it would get converted to shares under convertible bonds or else it would end once the tenure for the payment is over

thought for the day is : Do shares and bonds if have hedging , which format would you agree

(mutual funds is one i thought)

NEXT

how to educate children whose parents are in poverty and cannot have more than 50 RS per day

normally parents want their children to be better educated and have better lifestyle than them but alas it is not possible because they can earn maximum 50 rs per day after toiling hard for the entire day. daily wages is the order in INDIAN scenario since decades .

what can jagadish suggest to the problem , lets see

education costs money so how can education be free for poor is the question

sponsorship can be given by wealthy people but it is not permanent cure because even wealthy guy looks for fast results to get mental satisfaction for himself and prove that he brought about result oriented script to the poor and brag about it as quickly as possible

people look out for UNITED NATIONS for free education and hunger removal . can they sustain. they can but area of jurisdiction cannot satisfy entire geography map of earth. managing funds by UNITED NATIONS even though is huge still cannot be managed holistically and many of areas both demographic and geographic is left out

how to give them road map of education .

western nations that's why look out for technological breakthroughs to solve most of humanity problems but they forget that technology is costly affair


i thought of a brilliant problem solution ,

theatres 5 in 1 where you organise 3D books reading on mass scale and movies which are both educational and time pass on cooperation

meaning group psychology reading and explanations by constructing 5000 mass seating capacity and ask them to read books together by projecting it to the output of theatre screen monitor

which according to me is both cost effective and all have same knowledge to share and read (3D books reading online or hard disk projection (group) )

one theatre catering to whole geographic area promoted as usual by UNITED NATIONS direction and guidance, special timings of sharing knowledge and recreation for all the audience situated in the same geographical location


5000 batch strength-------- 5 in 1 theatre (multi purpose ) --------- with timings schedule------ UN

THOUGHT FOR THE DAY

For constructing this type of 5 in 1 theatre what is the cost and cooperation strength to be judged to see success in this innovative adventure -------- Segmentation targeting positioning to start off with is Africa, INDIA, china etc

NEXT

Recession and how to come out through ---------- creation of websites

money with companies is few during the time of recession and post recession also money cant be spent as quickly as possible. i was going through apple i tunes where very honestly china employee gave very good advise that America should increase his expenditure specially in Research side.

i came with idea that if research side does given information western nations would automatically go into creation of websites. for faster result to be earned . it is advised that a thorough research into top websites to be found out and through it contract based salary to be given to those who like to contribute to these websites.


it is so because when in crisis people do associate or should associate with top websites for guidance. if this guidance isn't available to public from these websites promotional campaign of knowledge doesn't happen as quickly as possible and would take decades for knowledge to spread.

the faster way is facilitation of public into top websites instead of creating new websites

how to spread the message.

by creating awareness once again in the popular websites.

thought for the day :

what is the limit to spread the popular websites ----- is it content based or not---- how much should it be

NEXT


Technological /Management breakthroughs and what is required to do it speedily


to do this type of job a person or candidate else student must require

a) theoretical knowledge about areas to be covered up
b) span of knowledge and repercussions of implementation
c) simultaneous experimentation's while learning
d) unlearning curve speed
e) Reading extensively
etc etc,

thought for the day :

this type of outlook is common for all research based output whether you take up technology or management out of box outlook.

AM I CORRECT IN MY OPINION

NEXT

when to export and when to import goods by nation

normally import of goods is done by country if raw materials available to goods to the nation is costlier than importing them from foreign country. goods are imported when raw materials available to nation is rare

export of goods has to be done in areas where business growth to the nation is revolutionary and has the capability to give double the GDP growth rate to the nation

what happens if the GDP is close to double digit growth say 8% or 7% and nation thinks about export . it can be done if raw materials with finished goods product is able to cater to the nations requirement .

raw materials are sufficient to cater to the nation for at least a minimum century without making out a dependent nation but an independent nation when it does business with foreign nations

INDEPENDENCE IS THE CATCH WORD

thought for the day :

what is the strength of the nation as per giving double digit GDP growth individual industrial wise is concerned in export import outlook

NEXT

Technology and advancement of it

it is usually seen that in western nations because of either less population or fast innovations at rocket speed happening advancement of technology happens so fast that citizens of the country do not relish the staying power of technology

what are the repercussions of technology not staying long in the country and country keeps on increasing the advancement

take for example Microsoft over the period i am observing that it kept on advancing its technology in combination with Intel and at last a work which should take a half century to century has been completed so fast within 20 to 25 years that public like me haven't relished any of the operating system as it should do

by keeping it secure and long lasting research based output on one operating system would have germinated some more issues on a singular based OS . by changing OS frequently i think the whole of the mankind hasn't relished the OS as it should be

thought for the day :

Does fast technology hinder the relishment of satisfaction of creation or not

NEXT

Spread of technology across nations

it is seen in 21st century that web 2.0 , 3.0, 4.0 has taken place rapidly across the globe . western nations are also seen particularly interested in spreading this web across the globe to earn revenue for them and spread good things across the nations

but it is also to be noted as was stated above that spreading this type of technology is dangerous across the globe quickly without knowing consumer behavior of nations

the point is consumer behavior of nation is as important as knowing technology and able to cope with pressure of technology spreading specially if you look at nation like INDIA which actually has to cope with huge amount of rural people who are slow to adapt to technology

making a spread of technology say 4.0 to this country may prove disastrous as to cope with handling this type of technological growth which is happening fast in western nations

slowing down and relishment of technology once again said by me is crucial than fast paced technological life which proves disastrous say of not knowing the repercussions of implementations

thought for the day :

what type of consumer behavior type of research in needed in each nation to look at growth of Internet

NEXT

Transfer of funds from bank to banks

i was debating with myself today since hours as to how come i do more destructive work than constructive work. quite amazing

am i acting like a destroyer of works or constructor of literature. people do ask these questions. and as usual i asked this question to myself. over period of time of pondering , i started thinking about banks .

what are banks for ?

and what is inflation doing to these banks?

what is written off and who is benefited with loss and profit

arising to these banks even though they do similar business every quarterly and financial year pray to gods that i should do profit business and not go into losses as happened in the previous quarterly or yearly year

so coming back to question above

what is happening to money in society ?

answer is it is distributed away from one person to multiple persons in form of loans sanctioning to an individual and then from individual to creditors and him becoming debtor

it can also be stated that with transfer of funds to a person called as debtor to creditor actually is transferring money from one bank to another bank . the person who took the loan is acting like a mediator in transferring money from one bank to another bank

making one bank a trnsferer of funds and the other receiver of funds

so actually the money is their but in multiple accounts in different banks but is in circulation in the society and the trick is

RBI actually is increasing the flow of money by minting more money into the society by providing financial aid to banks which are into losses if i am correct

actually as per my commonsense and you as readers judge by yourself

the thing to be noted here is finance money need not be minted by RBI at any given point of time. what actually happening here is in a given financial year of march to April , one bank is gaining profit the other is going into losses and it keeps changing every year

what the point here is that

if bank any bank say SBI is gone into more withdrawal from public it does losses which can be in the form of bad debts and the other bank say Punjab national bank does more deposits it gains huge profit during financial year

this deposit actually is loan taken up from SBI and transferred to Punjab national bank the mediator being account holder of Punjab national bank taken loan from SBI and bad debts arise in the hands of SBI which was created by account holder of Punjab national bank

now question arises where did the money actually evaporated from the account of SBI, the account holder of Punjab national bank actually distributed to creditors

these creditors deposited the money in other banks say Syndicate bank , canara bank etc. so actually in society

one bank is a loser , the other bank is a gainer and RBI is manufacturer of additional money into society giver

increasing inflation in the society where money is in different banks with different account holders acting as debtors and creditors for each other

thought for the day :

Are Debtors and Creditors actually banks or individuals

NEXT

Online account of transfer of funds if money in circulation is huge with the society

suppose for instance RBI finds out as it should that money in circulation with the public is huge and inflation has skyrocketed with demand for products aren't matching supply of products and the products are scarce in that geographical country

what should the country do ?

companies actually possess huge amount of profit motive by working on Internet and create a huge fictitious amount and tussle out with banks . RBI by introducing corporate account mutual fund (mutual fund which is famous in INDIA ) can garner and store up in its account through transfer of online account by introducing financial instrument to them

which financial instrument would be suitable when mass employees are huge ?

by introducing corporate mutual funds with annuities combination RBI can venture where payment mode is later on after 20 years and they get the aid of mutual funds which is a known entity in INDIAN scenario

this 20 years later of corporate annuity acts like a pension and if possible employer also pays part of the amount into the employees account based upon the scheme designed by the financial companies are concerned

how can these two be mixed up

by introducing amount transfer online with small monthly payments in the form of annuities giving them social security sector wise (B2B)

thought for the day

which type of financial instrument can be created to balance shares and bonds market other than annuities type of instrument

END

so friends this is the end of my literature , hope it was informative and given you my knowledge which i knew to be true as per my best knowledge. if their are any mistakes please do pardon me

thanks to my followers and hope good days begin where i wanted to end on siddi vinayak chaturthi

thanks for your patience to read my works

ending permanently

jagadish

Economics part 2

ECONOMICS PART 2
JAGADISH

When capital with company is less and allocation of funds to be made is huge ?

How can companies do allocation in such times

A) Prioritize first funds under B2B segment as this allocation gives you edge
over others specially in production department division ---- thought process
is B2B leads to B2C sales

B) Employees to be given ESOP stock options during this time to be liquidated
later on by the employees when they need in stock market ( if possible spread
it to stakeholders)

C) Internet sales becomes mandatory and advertisement money through this gives
you working capital

D) Setting up publishing division through internet gives you edge over others
(knowledge capitalism)

E) Complementors tie up gives you alternative opportunities to look at business
growth

F) Cooperation and sharing knowledge is also one way of contribution either
during good times or bad times---- having networking people in and around you
is a good habit

Thought for the day :

How many can you think in addition to above said on the issue pertaining to funds allocation either to generate or manage capital in your company or industry

NEXT

What to write today so thinking about what if I enroll myself into Microsoft hr. suddenly just now got an idea why not thinks about community development issue so here is the wonderful proposal


Community based service to make star performer of the company a household name (HR)

Every company has few star performers under their wing.
how to groom them up and make them popular in the society and create awareness that such type of employees work in the organization and companies are loyal and groom them up creating awareness of both company and star performer employee making them house hold name in the society

Here is the plan by jagadish

1.Give to the star performer a licensing ticket to hand it over to anyone who is eligible for job and ask the candidate whether he would take up a 1 week assignment for the company to whom the star performer represents

2.The candidate is assigned the star performer and for 1 week the assigned candidate works for the star performer.

3.After 1 week there is a potential appraisal test is given to the star performer to see whether the assigned candidate worked and contributed to his advancement either physical or mental

4.If there is contribution from the candidate then employee gets a permanent job or if the contribution is less he is given 1 week certificate to use it to get job elsewhere

5.If the candidate is selected permanently to the organization for 3 months to 6 months a special bonus award would be given to the star performer for selecting a good contribution candidature for the company

6.The candidature is happy and star performer also gets a chance to earn additional income

Thought for the day :

How many types of schemes can you think which come closer or lateral thinking after reading the scheme designed by jagadish?

NEXT

Fiscal deficit leads to employment

Fiscal deficit is defined as expenditure to spend by nation is more than income earned by the nation

It was said in freefall that if there is no fiscal deficit budget with the government it would lead to huge unemployment as expenditure to spend and to work is more than income or jobs guaranteed


(Work with government is more than employee ratio through creation of jobs under fiscal deficit by spendthrift)

expenditure more than income


The question arises and has been stated in my previous blog as to how deficit budget creates debt for the nation and leads it to poverty. Balancing both deficit and non deficit is vital within a span of central government governance with 5 year plans

Just to generate employment if governments spend money in excess of income earned government has to start minting money to look at employment issue of the nation which is never recorded by any nation even if done census by the nation

What would happen if minting money is started, money in circulation increases leading to huge inflation with demand not meeting supply of scarce resources. Free market never comes into operation at any given point of time even if employment under deficit budget is achieved

Thought for the day

Free market isn’t into operation even if deficit budget is done

Deficit budget doesn’t guarantee nationwide employment but leads nation to poverty

NEXT

Economics and marriage

This type of topic is never taken up by anyone. To let you know marriage actually gives you an idea of family budget to maintain and prevents you from becoming pauper or avoids fear in the minds of people who want to be married

I can prove it.

If you are bachelor you like to spend money and not look for greener pastures. even loan sanctioning to bachelors is difficult but if you have children under your belt you can actually get loans and payment mode is also simpler because banks look out for payment package if male is dead. There is guarantee that mortgaged item can be recouped back easily with the help of children

Another importance of marriage in economics is availability of finance is easy because of close relatives being there who can facilitate finance not through their money but through networking

Finance knowledge and awareness and repercussion can easily be faced if you have wider number of elders in and around you specially knowledgeable elders can give you direction with contacts and wife intelligence if chosen properly can add to your lessening of burden with facility of even health insurance packages for the family etc etc in insurance

Think of financial packages available to family if you are married

Thought for the day

Why do people do stupid things by being single when marriage is tension free

NEXT

What happens to economy where jobs are more than employees fit to work in them

This scenario is very rare scenario in economics but if at all it happens and it can happen only if old age people fit to work have retired and youth of the country aren’t major and there is a huge gap between generation to work and generation that has retired

In such precarious scenario

1) Companies have to look out for work from home concept
2) Training wings to be made videoconferencing
3) Use of technology would become mandatory
4) ERP would hone up the skills of youngsters
5) Contract based workers/employees from other nations should be considered a better solution

Thought for the day:

Look out for what type of industrial based sector is suitable on priority based which can take up employees on contracts from other nations

NEXT

Bureaucracy by definition

Normally people associate bureaucracy as something evil. But in actual practice it is defined by two wings in times of emergency situation it is used. They are

1. Reengineering where company is revamped through less paperwork
2. Restructuring where company is revamped through changing the portfolio of candidatures through creation of few posts or revamping the people associated with those posts by designating them elsewhere

Is bureaucracy evil?


It is not because it is governed through articles of association of a company organization which is monitored by the registrar of companies where day to day affairs are checked and updated?

Any revamp of articles of association function has to be recorded in the minutes report and to be cleared off by the stakeholders in general meeting either quarterly or annually.

Good governance leads to good education of employees,
Bad governance leads to destruction of knowledge capitalism and leading to shutdown of business either geographically or through winding up of company

Thought for the day :

Is their other ways where bureaucracy can be used for the benefit of employees?

NEXT

4 stages of Reading explain?

Every nation comes under the purview of reading knowledgeable books but always encounters problems relating to knowledge in storing up information in their brain cells

What scenario do you call this as?

Initially they are in full swing

I will read this book, I will read that book and suddenly he student realizes that I haven’t grasped any information even after reading for so many months and years. what did I accomplish because he wanted to be like P Chidambaram in knowledge and to defeat him black and blue in finance but at last gives up stating he can’t be like Chidambaram , he can only venture only after death and gives up life in frustration

This scenario is called a reading tension scenario---- real scenario encountered while reading information of knowledge




What are these 4 stages of reading

Tighten your belts here it comes

FIRST SCENARIO OF READING

Get as much knowledge into brain cell as much as I can but fails because he encounters problem in storing information in brain cells

SECOND SCENARIO OF READING

After getting few information into brain cells he starts encountering problems while observing others knowledge and comparing it with himself and loses interest in reading knowledgeable books

THIRD SCENARIO OF READING

After passing the second scenario the student encounters criticism from peers that you don’t possess this knowledge or that knowledge, he debates on few and loses in many situations and he gives up knowledge that it is not my den

FOURTH SCENARIO OF READING AND THE LAST SCENARIO

After pushing himself beyond the third scenario of situation he at last comes across the scenario where he grasps matter and diversifies his knowledge with commitment on gaining knowledge with perseverance with debates and dedication towards saraswathi

Thought for the students is

This much of hard work is necessary with reading perseverance to become big stalwart in knowledge. Let’s see whether you can achieve it or give up in any of the scenario before you encounter fourth scenario

Laxmi is encountered only when saraswathi becomes your ally

END

Economics part 1

ECONOMICS PART 1

jagadish

full employment leads to free market : discuss ?

free market actually is defined as where their is no restrictions or regulation between demand and supply of items traded in market. i am reading economics books where authors are debating on the topic called as

does full employment leads to free market where control is not needed to regulate the market if employment given to citizens is nearly full or 100%

all economists forget one thing are resources available with market is scarce. people wants are more than need leading to scarce products with the policy of 80:20 Pareto principle

where 80% of products are easily consumed by 20% of population because of concentration of money in their hands and remaining 80% of population tackle and fight over 20% of products to be consumed on money matters

full employment gives a country the opportunity to earn money but because of scarce resources available on earth and want being more than need free market is not possible so control over demand and supply at any given point of time is mandatory or must

thought for the day :

money in plenty with family still massacres a family because of scarce resources available within society

NEXT

Billionaire and investment in real estate

its quite a natakbaji scenario is what i thought about when it comes to real estate business of Indian scenario. i am writing it to those who are billionaires

where to invest money. real estate is considered to be a good option by most of the finance hub people and is promoted also with a huge hungama. if real estate is purchased in lesser denomination its always safe

why ? because you don't come in the way of huge public

if state governments and central government asks you because you are a billionaire to invest in real estate business infusion of capital to bring cost of real estate a little bit lesser to facilitate common man to set up a house

you are considered to be a fool because it is

demand and supply based type of investment

thought for you billionaires is

demand and supply does it affect investment in real estate

think along with others

NEXT

operating system in the hands of armed forces

i got a beautiful insight just five minutes back and as usual my Internet was nearby so on the spot i thought of writing it

what did i think

i thought that is Microsoft going to create 30+ operating systems just like that, is it so simple to create operating system .

the new operating system launched recently windows 7 was a revolutionary operating system and still some might come from the arsenal of Microsoft if research work is taken up seriously

the other problem is how come over the period of decades it can do expansion plans , within INDIA if i am correct Microsoft has to tackle minimum 20 states expansion plan within INDIA , is it possible to handle such a huge crowd,

personally i have given cudos to Microsoft . it is USA but even USA is only a nation, later on African nations are going to play a havoc, dangerous thought process of mine

going with civilians is full of tension and if at all anyone tries to create operating system in their country ,

sincere advise of mine jagadish is

never ever leave the vicinity of armed forces and never ever venture with public
why ?

thought of day is :

Managing administration even if glocalization has to have knowledge on what you aspire for otherwise even grapes are sour if awareness and foresight well in advance isn't their on what you tread upon

NEXT

Operating system and Management and Research

Management is a civilian field and operating system is run by armed forces for safety and security of common man.

if management is taken up by operating system division , it should be taken up in collaboration of educational institutions with financial aid being provided to them through OS division

their are 20 million students and 3 to 5 million educational institution catering to management division across the globe minimum. so facilitation of management is much more feasible than starting a wing of management by Operating system division is what jagadish feels should be the solution .

Thought for the day :

If management is started by operating system guy what are steps needed to secure it for the benefit of the world ?

problem is civilians so concentrate upon educational institutions facilitation

Am i correct in my judgement of depending upon educational institutions participation with OS support coming under financial aid

think ?

NEXT


Research and students

now a days if am correct by this time most of students wings must have taken research to see their proficiency and capability in handling research

the first thing that comes to my mind is if to give them a helping hand

● students must possess knowledge on what to do research,

● without clear cut goal and thought process students can never do research
even if helped

● accomplishment and goals achievement within few years is mandatory

● depending upon secondary data is a must but original text accomplishment is
mandatory

● using help of educational institutions to accomplish their tasks gives them
added advantage

● Result oriented research and accomplishment gives you push in moving on in
knowledge capitalism era of 21st century


thought for students

think which type of research gives you satisfaction and result within few years

NEXT

Research with support of companies

I don’t know whether I wrote on this topic but it is considered to be very critical so most probably writing it once again. It is very hard to search whether written text on this topic of article is present in the blog or not .

Doing research by country like INDIA should be mandatory but how to groom the entire nation on research wing . Nations usually think that financial part provision can solve the problem. jagadish to certain extent do believe in this type of grooming but when it comes to a nation like INDIA to launch a nationwide research with success is hard

You are quite amazed along with me why such type of literature is being written by me. It is my general belief that students wings should take up management side research as I have taken up. To put it into practice what are the steps needed to make research in INDIA a huge success

Companies’ participation in this research side should be required and premier institutions tie up with selected big corporate and medium scale participation through finance and intellectual insight should be the basis to groom up research in INDIA


Company board of members should participate in board meetings of educational institutions most probably premier institutions of INDIA and look into nuances of how to spread research in their respective institutions under research.

If this type is already being done by government’s wings and corporate circle is a hearty news for all.

thought for the day :

which type of companies or colleges you would like yourself to be associated with to get result


NEXT

How to generate ideas in board meetings

Board meetings by companies are crucial for looking at direction of company for at least a decade down the road to make it going concern concept.

To make the board meetings crucial and to make it result oriented with knowledgeable discussions to be opened up in the meetings, link up with existing knowledge happenings in both educational front and books reading by board of directors with link ups with professors and their participation in board meetings should be made mandatory

It all boils down to how many friends and links and cooperation available to me to make myself and the organization to which I am associated work successfully in all fronts

thought for the day :

which wing does companies feel comfortable to tackle when it comes to premier institutions tie up



NEXT

Pursuit of general self interest would lead to well being of the society

This coinage of term statement was done by none other than Adam smith in wealth of nations. I still haven’t read the wealth of nations book and still reading the free-fall which has highlighted the point. So for argue sake lets discuss

Is this statement really correct ?

Does self interest leads to well being of society ,

Suppose you are negative personality generating negative emotions what would happen to society, control over the society through ethics and punishment should play an important role otherwise society norms would go to bonkers

Positive emotions lead to development and self interest in this line is always acceptable with disciplinary action leading to well being of society

Thought for the day is :


negative emotions self interest aren’t acceptable to society
positive emotions self interest are welcome by society

discuss ?


NEXT


Monopoly and its impact on society


Country having Monopoly Company is very rare. Monopoly is not seen now a days but still I would like to comment on one aspect of monopoly just for name sake. People also have idea but it is advised by all that monopolist suffers more and compromises more than oligopoly (having companies under industry wings)



Thought for the day :

Monopolist suffers or enjoys his life ------ official life


NEXT

Rational man vs Irrational man

Rational man follows pattern, a set of instructions whreas it is quite opposite when it comes to irrational human being. Rational man to select such types of men a company has to follow career anchor and emotional intelligence tests to determine the average score human being suitable to required post

irrational human being are also important but are required less in society because companies requiring this type of irrational mindset are few asking people to think on lateral thinking terms also on radical thinking terms----- usually innovations ( mavericks)

thought for the day

in today's century which type of men and in which percentage should these two types be associated with your organization

think ?

NEXT

when resources are scarce and income earned doesn't or cant fall

it is generally believed that income of individuals don't fall , salary remains as it is and suddenly the government realises that natural resources have depleted and alternative resources are yet to be innovated , inflation shoots up

this is in economics called demand and supply pull where because of income earned resources have depleted , their is huge demand whereas supply of resources have depleted or is becoming lesser than expected






what to do in this scenario

● what about work from home concept where with technology installation tasks can be completed

● office home side by side , shifting geographical and income affect to similar locality with the help of money in circulation

● provision of food geographically produced and concentrated within limited geographical location of walkable distance providing employment and food to say like suburban

● exchange of ideas and books online

● thought for the day

● think that you all are in stone age and technology

● what can you imagine your life would be


END

Knowledge

MANAGEMENT KNOWLEDGE


house prices fall or increase

prices of houses actually can fall down for reasons being

a) when public doesn't have money in its hands---- real estate prices of houses constructed fall
b) During natural disasters time
c) Demand and supply of economics
d) boom in the income of employees in particular industry segment
e) knowledge capitalism and strategic mindset of purchasers

think ?

prices of houses are linked up with geographical income of public to which real estate is associated with


NEXT

Information about bad debts for those who dont know

normally bad debts in banking knowledge is called as money which is not paid. people may have wrong notion if i am correct that if bad debts ( that is non payment or defaulter) doesn't pay government has to mint money .

this is not a fact

the fact is bad debts are just like money in circulation.

meaning : money has changed hands to somebody other than defaulter in the form of purchases of assets and liabilities

think ?

if you take a loan from bank ? what happens to that money at the ending scenario

hint ? company accounts

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Knowledge capitalism and educational institutions


India now is a super power nation and at this core problem jagadish thinks that educational institutions should be groomed up and has to be on par in knowledge sharing with other super power nations

writing books should be promoted by Indian authors and i am happy that steps have been taken care with the coming up of INDIAN DIGITAL LIBRARY giving a helping hand to student fraternity is a blessing in disguise for students in INDIA

always depending upon foreign books will not cater to Indian needs because education and human relations knowledge is different compared to western education

those who have common sense knowledge would automatically know that eastern education and survival is different from western education system and cannot be copied in either way hence depending upon own stuff is mandatory and required for stability of country

it is easier to groom up education as per Indian needs and always depending upon either USA or UK for books would make India weaker and given pressure to USA or UK would atlast destroy nation

it is because in USA books knowledge is about USA companies and activities in their country or to certain extent covers western side of knowledge and it never give information about INDIAN scenario. it is a mistake and to be corrected as quickly as possible with possible steps in the direction of company law also and other details which are bread and butter to INDIAN nation.



thought for the day :

in books how much of similarity can one see between western education books and Indian books on application side to nation

this analysis would determine the path of the nation

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How can a company manage bad assets

Assets can be anything life term from 1month to decades of usage.

how can one define bad assets

any asset which has negative money earning capability when if used

example : money lent turns into bad debts
books giving wrong information
products wrongly misquoted in advertising business than what is being sold in market
etc
etc

in Internet bad assets is defined as price of asset quoted which is lesser than what owner thinks it is worth

the above definition of mine can be managed through cannibalization

the below part of Internet definition is work of courts

to think ?

bad assets are the work of accountants

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How to determine interest rate in the economy

it is seen that finance ministers across the nations determine the interest rates with discussions.

in India RBI help finance minister of INDIA actually determines it even in some cases like 6.25% or 6.50% or 8% .

as per layman me is concerned i am unable to decipher how the percentage change has affected the global and indian scenario so easily with a small percentage change of point 25%

to tell you in short story these percentage as per my commonsense change the money equation but how can such changes determine the nations growth where money supply is dependent upon other variables like financial instruments and monetary policy of government


i consider it a miniscule waste of time and energy by the country just to keep themselves busy in their life span

how to determine interest rates in country

to tell you about my background i deciphered in first phase that

all companies are dependent upon stock exchanges. so start from their what did you gauge share and bond market are the most sought after in finance with the help of stakeholders so control over them would give you control over finance of companies

interest rates are determined on the basis of flow of capital in the hands of public

thought for the day

interest rates are decided on the basis of cash with companies ?
Do companies amount flow to stakeholders or not ?


NEXT

buy back shares option

in company law of INDIA their is a option called as buy back shares option. recently after coming to management i am amazed that their hasn't been any reference of this topic by anyone in both either newspaper or magazine since a long time

maybe i think this is a big money swindling option which may have been rejected by SEBI perhaps because under this option a company can purchase shares and sell them at higher price at any given point of time just like speculative business and get hold of working capital money to run the operations of the company

think ?

can this option be used at crisis time for a company with direction from SEBI to know market capitalization

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what happens when savings rate by a nation is kept zero percentage

economy runs when business is flowing and economy collapses when their are no savings. how come ?

generally when i was reading freefall book written about USA collapse, it was specified in the book . i was pondering over it how come they made the decision of keeping savings rate of economy zero percentage and wanted to earn huge amount of money by sanctioning loans which as per my commonsense would be starting from 1 percentage and above

normally savings is given a low percentage asking public to participate in developing the economy and give them motivation to save money so that economy is balanced economy where savings and loans play equal role

by denying savings percentage the country USA actually discarded savings making their people think that at any way their is no percentage of savings interest it is better to spend rather than save money , in return discarded loans because their were no funds available to banks to give further loans to needy people

savings actually if done in maximum basis gives the country finance manager an opportunity to know how much of business can be undertaken in the country and how much of minting money is needed to save the country from inflation

when their are no savings how can the country know what bank balance is , interest rate decipheration of country is done on the basis of savings and not on bad debts loans losses

thought for the day :

Does savings of the public give finance minster of the country an edge in determining interest rates for the nation

NEXT

consumption and income

what happens when you gain income but even through smart effort consumption of citizens is lesser than money earned

solution :

reinvestment capital is very difficult at times when population is unable to spend resulting in investments in population other than its own country.

intricacies are :

inflation where demand is more than supply resulting in crashdown in natural resources which results in crash down of economy

how to balance demand and supply of resources available which be nature are rare ---- once spent stands spent

need vs want


the best way to invest during these times is

1) creation of websites all over the world
2) Internet usage facility to be made paid
3) selling of commodities online instead of selling on direct marketing
4) banking business online

etc etc

think of all the areas where business is done online and is done intelligently by keeping money in circulation concept

now question arises if consumption of country is more than income earned

its good news that country requires the ability to withstand pressure of the world and is able to cater to those who actually depend on excess liquidity to be spent here in the country and poverty is rampant so something to work with

idle mind is a devils workshop

so work slowly and intelligent smart way to keep it running for ages to come till a new revolution takes over

NEXT






Deficit budget ------ implications in 21st century

Deficit budget is defined as budget where expenditure is more than income of tax generated by the central government . also followed by state governments in INDIA..

while reading freefall book it was stated very explicitly that government of USA has a 70% of GDP under debtors list maybe to UNITED NATIONS. the point i am making out is countries like INDIA also follow deficit budget and much of literature has been written in support of deficit budget

my viewpoint is even though deficit budget gives opportunity and scope to central government to manage funds and comfort it has implication of

over a period of decade deficit budget by growing every year becomes unmanageable levels making country a debtor in relation to GDP growth. how come it is by taking loans from world bank without their knowledge and after few decade down the lane see their budget under huge debt

jagadish suggests that by managing budget for few years of say 2% deficit every year and in few years managing budget under non deficit budget country can balance its debtors money intelligently .

thought for the day is :

Deficit budget vs non deficit budget in the gap of 5 years plan

NEXT

Managing information in 21st century

in 21st century managing information and ideas is very difficult as ideas generation is mandatory but losing it very quickly makes the organization lose financial capability.

so how can a company save ideas . it is seen that old ideas can be applied after few years when situation gives opportunity to idea to come into force but alas old ideas aren't recorded and it makes the present situation difficult to gather them

the only solution left to organization is how to make the ideas stay alive.

my friends in Microsoft and me while browsing Internet way long ago came across a terminology of threads which if used correctly would be able to make the concepts popular and long lasting . what it requires is LAN (local area network) and opening up threads for discussion . over a period of time any ceo or board of director of the company can pick up these threads by looking up at them under popularity chart and incorporate it in the strategy wing. their can be a likelihood of getting finance if solutions are provided in them and the concerned person who gave the best solution is given ESOP etc

thought for the day : Are their any other ways by which a company or industry can save ideas to gain financial independence

NEXT


Reserve capital ----- a liability

i am still reading freefall where it is stated by the author that reserve capital if is their one need not save the income for contingency situation . is it really the fact

reserve capital i have been scrutinizing is actually a fictitious money which is not present in physical form. it is found in balance-sheet .money in circulation is actually the physical form. money kept in banks is also money in circulation where reserve money kept in banks is also money in circulation having maximum limit of usage per day transaction

the money which the author stated as reserve capital is actually never into existence because it never can be money in circulation .it is fictitious transfers and fictitious transfers are not in physical form they are actually in balance sheets where company bank balance doesn't tally with banking industry

money in circulation is guided by rules and regulations where reserve capital excess money rules are applied only once or twice in transferring amount but is found in fictitious manner of circulation and not in physical transfer of money

banking transactions are fictitious and not real money transfer. how can physical money get transferred every now and then, it can never happen in real live case study

thought for the day :

is money in circulation fictitious transfer or not

Are billionnaires really billionnaires ------ they have limit of usage of money

Fictitious transfers occur every now and then in banking industry and are eaten up in bad debts

working capital is actually your cash in hand ------------- use it wisely

excess cash is liability------ it never gets converted into working capital due to bad debts occurring in banking industry and limitation of removal of cash per day transaction in banking industry

all the eggs in one basket is dangerous business said allready in the olden days

END

Economics

Economics

by jagadish

wealth : its management (spirituality in 21st century)

wealth is actually defined by how to allocate it to solve personal, professional relationships. wealth is personal and to manage is what economics is
corporate wealth management also is related to economics

but actually how should wealth be managed :

according to spirituality in olden generation thought by me is that money is never talked about and is to be accepted in whichever denomination it comes to individuals and is never ever debated under spiritualism

just now on 5th of April 2011 i thought of a better plan to define spiritual money in commercial aspect to be adopted by everyone but restricted the definition to 21st century

do you want to know what i think about spiritual money in commercial terms. if you appreciate it and follow it you are benefited , if i don't say it i need not write about it

hats off to me to make a bold presentation , lets give myself a laddu

money is always defined as “man made money and money made man run”

beautiful quotation

according to me money if satisfies the definition of family satisfaction till that family is into existence on earth and is able to give itself mental peace with money being around both in bank and cash in hand and is of help to it instead of burden , you lived the life of spiritualism

if the same money even if more or less cannot give mental peace and thinking about money gives tension to the world and to themselves can be termed as commercial aspect of money definition which if continued the family has led a butchered life in today's century

is my definition of spiritual family money aspect

think what wealth can actually determine your path ?

NEXT



NGO AND WEALTH

too much of wealth leads to destruction than construction

think ?

allocating funds to crucial people and managing people is crucial than solution to wealth affairs either corporate or personal

think ?

NEXT

SELLER CENTRIC IS BETTER THAN BUYER CENTRIC TO ENJOY PROFITS

its amazing fact of life is USA is talking now a days a language of buyer centric where buyers actually determine the path of sales. i question them as to how is it possible. it is always according to me seller centric where seller determines the path of where technology is leading and is in better position to understand average customers point of view and counter attack by specifically redesigning the model to get it again approved by buyers and not one buyer

in INDIA asian paints asked buyer to redesign the house model in an ERP format but according to me can never be approved 100 percent by buyers without seller actually showing the final output without which decision to be made by buyers of Asian paints is impossible

another example is TATAS actually came up with a new model of 2 pricing at 1 lakh and 2.5 lakh per car under 2 models . buyers never came up with that model. it was tatas who highlighted and buyers made small changes and variation in the model but as usual had to accept the model designed by tatas and chose according to their taste.

at the most color would be specified by them but other ways it is entire technology if talked about is seller centric .

Sony initially failed because it did not take into consideration cost factor involved other wise it sold Walkman initially on seller centric terms . buyers never knew their requirement and did not had foresight that Walkman type can every exist during the times of AKIO MORITA .

companies have foresight and vision as to where to lead the company the buyers usually are associated with shares market and based upon success of seller products shares change hands to bulls and bears

sellers product path is not chosen by buyers it is convenience of usage of seller products which determine the market of products designed by sellers

it is sellers with technology and intention to do business determines the company and economies path and not the other way round

think why buyers models are failing and how come seller centric output always is saleable to end consumer ? why the difference?

NEXT

FARMERS PROBLEM OF MONEY

does the government bodies of both state and central have financial strength. if they have under their belt i have got a brilliant plan to discuss with them .

summation is

purchase land from farmers who have point 5 acres of land under their belt and cumulatively increase the geographical boundary to acres of land and ask them to work in it by giving them salary to them to work in the fields on a fixed salary package

in that way government with the help of ICRISAT can organise and create food for the country through monitoring the farmers output by asking them to produce anything as per the need of the country and not letting farmers chose their own crops for their survival

farmer don't leave the vegetation crops because they will be paid fixed salary for working for few hours with additional benefit like vocational training also being provided to them by government

i hope this can be implementable by governments where government gets money to purchase lands through Internet advertisements etc

think what can be the role of companies associated with farming community ?

NEXT

continuation of farmers problem in INDIA

I was studying and is still studying russia and would suggest everyone to read history of countries and its economic background. i came to realize many things specially the one i was talking above thought process related to farmers

the term they used for above solution even though i didnt copy from them was collectivism

meaning , under collectivism all farms to be purchased by soviet russia under stalin rule and use them for basic industry purpose.

without my knowledge i came to same conclusion but on voluntary basis by farmers is what my solution was as stated above solution

their is one intricacy which i found in collectivism meaning responsible government and responsible government under tension

bifurcate them , you realize continuation of policy decision making and guideline to be followed, total effort with support from all quarters make the decision holistic and long lasting

even though i gave the solution i have general fear factor that villagers would like to work in industrial community as payment would be high in that type of set up

moral responsibility says if farm land is used for industrialization , INDIA would have to import food grains and wheat from say USA in near future as per prediction even though their is mismanagement happening in census calculation , still INDIA actually is going to surpass china in population

if it happens it is agriculture land which would be under threat and if converted import of foodgrains would masacre the nation


think ?


industrialization does bring money but mind without food doesn't work

think

save agriculture lands and convert independent houses to 5 storyed gradually

NEXT

how economy is shattered

i am still reading russia biography history and is quite amazing realization that economy actually is shattered because of differences in wealth accumulation done by individuals

these individuals actually amass wealth based upon their own competence and develop the bridge between fools and intelligent and become billionaires . it is talent of individuals which actually determine the difference between poor and rich according to me

share knowledge and promote each other

think on these lines

NEXT

concentration of money in the hands of few

while reading the russia biography i understood that russia can never come up to heights of USA so easily because entire economy is inter vowen script

concentration in the hands of few as per finance is always beneficial as it gives a scope to the government to pinpoint where money is concentrated and use it for a justified reason say like inflation boom

money even though lumpsum say for example 1 trilionaire can easily dissolve when you or government look into the middle class segment whereas the same money concentrated in the hands of few individuals or corporate accounts can easily be used because information gathering is very easy regarding the wealth usage in times of crisis

now question arises as to how to make the middle class come to higher middle class segment ,

it is through education , and usage of knowledge by setting up entrepreneurships across the country

THINK ?

NEXT

Political Advisory Committee

previously few articles back long time i wrote a text stating how a political party actually sets up A team in central government

today actually i found out through intution that it can have a drawback meaning

the politicians actually who are selected for chief ministers and state functionaries can actually may not be the right candidates for the post of central government

this might be one possibility and can happen but depends upon situation

in INDIA for example this type of tussle and acceptance of chief minister doesn't happen whole heatedly within the political party system

it is because politicians are many but posts are few

now how to solve the other way round

jagadish states that if Prime Minister of INDIA sets up a advisory committee

problem can be solved , it need not be fool proof but other way of solving the problem

now question arises as to the A, B team set up through this political advisory committee

jagadish again states that based upon decision making capability and solution given capability given to Prime MInister of INDIA and success rate of solution can determine the candidatures for specified posts of both A ,.and B team of central government specifically

this board of advisory committee would be changed every now and then based upon contributions being given and not given by the members of board .

can be run on corporate governance ,

can be applied by other nations based upon discretion of country

even though this article is small , think on these lines

should advisory committee be on economics where economy of countries and country is handled ?

should successful advises be taken into consideration while selecting a candidature based upon mathematical number or on basis of experience also to be considered ?

next

American problem after watching a movie

do you know watching drama movies of hollywood is a huge relief plus education . they make good educational movies . i came across a film called company men which is actually a hollywood movie of tomy lee jones

after seeing the movie i thought wow american or britain problems/across the countries is one at the same of jobless middle aged losing jobs because of recession

what can i jagadish do in this scenario. lets venture out into some solution which may be temporary relief but at least a try to solve petty cash problem of families which can be generalised to other countries

issue is same problem solutions are many one such is

this is knowledge capitalism era where ideas should have to be in plenty and if an individual is able to give these solutions he is an asset to any organization . problem is what can companies do if solution to problem is being solved but result is later on but an assured result to say 75% and above but only one , two or three solutions

their are ways of paying an amount to individuals who do consultants job but are not called as consultants. solutions they give but when you talk about lumpsum payment or commissions they solve few issues and not all issues so lumpsum cannot be paid to these type of individuals even though major tension of company has been solved ---- being lubrication done

what i am trying to say is why not look in the direction of say annuities second half

what do i mean by the second half where instead of individual paying amount for say few years and receiving the amount in installments rest of his life or duration till maturity---- remove the first part of payment and take up second half of payment amount (monthly payments) to individuals who give advise

why doesn't company pay the second half of annuity of payment as temporary relief to the individual for duration of payment decided by the payer (employer) for taking advise which may be petty but cant be paid in lumpsum as success of venture can be watched only after completion of few years

so in these type of ventures payment of annuities say few months or years to individual in need can be taken up by the employer and once success is seen lumpsum can be paid to individual consultant or employee who has given the advise.

think of ways where duration of payment of annuity can be linked up which type of ventures of consultation where both employee and employer in question feel safe and ideas are also not lost because of lack of money payment is in question

NEXT


Rural economics

what does one learn in rural side, think what can rural sector offer to a management student

very difficult to answer right, world actually is full of bustling activity of movies, recreation, beautiful scenarios etc but cant be enjoyed in a rural environment where hardships take centre stage and those who ask for recreation in rural sector are fitted with tv idiot box


now what is jagadish doing in rural economics ?

why has he taken up this side of economics ?

lets begin

rural education mantra :

go for unit tests examination hall of 15 minutes multiple choice questions and ask rural students to attempt it 5 to 10 times before they actually pass the examination

their would not be any final test for rural background students and summations of all unit tests would result in rural student going to next level of learning

rural jobs mantra

any job which is associated with kinesthetic touch mode of feel of money in the hands of rural sector people is the industry profile of job which is taken up on the spot by rural industry

example :

cashier job
waiters job
service industry job
finance job
government sector jobs
etc etc

in all these jobs money is felt in the hands, they look out for jobs where they can earn in both ways of monthly income and daily income, feeling of security in these type of jobs is the norm i found out recently

ask anyone and you would understand why i wrote this articleship

ponder upon actually on what type of activities make rural sector people feel excited upon and take it up to feel safe in their lives

next

Current affairs problem of IISC

all the whole world and definitely INDIA must be by now knowing about existence of India Digital Library and its future role in digitization work that it has taken up over a period of years

i actually don't want to go into or against the rules of terms and conditions it signed with authors as i am not aware of these but as a good citizen of INDIA i want to highlight certain aspect to IISC if it is listening to me

IISC governing body is requested by me that do consider my proposal

what the proposal is

it is payment mode to be done to authors who are rare in INDIA by nature and difficult to catch them actually should settle their accounts of money not in per month but by lump-sum settlement

it is because if they settle account of Indian authors because of their initiativeness to come forward or on the request of IISC payment mode if done in monthly installment adds up expenditure list of IISC and it keeps on increasing

so if done in lump-sum payment fast relief of tension and with supreme court verdict coming as to what the lump-sum should payment be would actually lessen the tension and courts verdict becomes the final verdict for both authors and IISC bangalore

ln this way their is cooperation between government wing and courts and through lump-sum they actually can initiate new authors to enter without falling into trap of court scenes

this was a sincere advise given by one of the citizens of INDIA

well done IISC and congratulations !!!!!!!!!

NEXT




Online Rent of Books by Major Distributors

it is quite an amazing day of today that as i was browsing the Internet as usual i came across that their are distributors online who are releasing books on Internet on rent . sorry i cannot remember them for you all

i have another package for those who are listening to me

how to rent books online

step 1 :

ask consumers to register free of cost

step 2 :

ask them to browse books

step 3 :

give them an option of number of days for which they like to rent from distributor online in any format the consumer wishes

step 4 :

ask the consumer to keep books link in favourites sent to consumer

step 5 :

after they read the book and like the book ask them whether they wish to purchase or send the link to loved ones for expanding their popularity

step 6 :

see other books of similar nature which publisher wants to rent to consumer who was interested in this type of business activity

step 7 :

end of transaction


NEXT

Lok Sabha and A team

quite amazing story of P Chidambaram Honourable HOME MINISTER OF INIDA in Indian scenario who lost LOK SABHA constituency way long ago back story which i was just pondering while observing the politics of INDIA NDTV

if i am correct in my judgement about Election commissioners role while making arrangement in nation for LOK SABHA seats. kudos to him but it is also seen that he blindfoldedly follows rules laid down in Constitution of INDIA

As per my commonsense A team of both the wing sets BJP AND CONG I should never face elections of LOK SABHA. it is because as per my commonsense

losing one constituency by them doesn't determine the fate of A TEAM MEMBER that he is misfit to rule INDIAN politics as Finance Minister or Railway Ministry post

if everything of NATION is judged based upon one or two constituency losses NATION would lose experienced campaigners of nation to rule and the whole nation would come to standstill for losing the candidate just because he lost elections in two or three consituency where he could give his application form to know his judgment day for NATION sake he was fighting for

and he could have won the seat in some other state also if such provision was given to him by election commissioner and could have served the nation better by not being idle for 5 years

. i also have knowledge that in such cases election of that candidate is done through Rajya Sabha and the candidate has to win again election in LOK SABHA seat within 6 months gap period

the point of my discussion why this type of situation when such major posts vital members are being lost just because their has been a rejection in one or two or three constituencies and he can easily won where he never gave his application form

this is to be considered as vital point of my discussion

by making the post of TEAM A vacant and filled up when elections are over on the basis of equal proportion

global decisions with USA and other super power nations can be solved very easily

by losing the candidatureship of A TEAM to elections is a massacre of INDIA to be watched even by super power nations and is vital for development of nations also and nation to whom A TEAM MEMBER represent


thought of day :

THINK

what is public reaction to this topic and how much of support you give to me on this issue which is vital for the nations welfare in coming LOK SABHA ELECTIONS

END