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