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Savings play a key role in emerging markets where high rate of savings enable
banks to go for circulation of money and to go for loans giving

this results in growth of entrepreneurship in the economy

Foreign Direct Investment boosts growth of economy faster but can crash down
also faster because of removal of cash at any given point of time by the investor

unless stringent rules aren't guaranteed by the country where this type of foreign
direct investment is allowed

Foreign Institutional Investors also play the same role as FDI with same policy

how to provide stringent rules and regulations is basically

for example amount of withdrawal by investors by country per day/per month

monitored by say RBI of INDIA


Private sector role should be basically entrepreneurship promoted if possible

through companies by providing finance by company to its employees

Its advantage would be enjoyed in the long run

Specific segments which company wants to promote can be promoted through

entrepreneurship by its own employees which company feels comfortable

Specification of these types of industries can be specified through HR policy

Example: TATAS promoting spare part units through its employees

entrepreneurship by providing capital at cheaper rates than banks


Opening up of accounts is done usually through reference,

some additional benefits like company accounts being used for loan giving to
needy which aids the giver of loan an additional percentage of savings in the long
run say period of 1 year and above savings without spending

This type of policy can be used in Fixed Deposits and shifted to other types of
accounts say current account

Other types of accounts being used by banks can be by linking the accounts to
financial instruments

Think what can be those instruments to promote entrepreneurship by providing


Example: - checks over a period of time not to exceed per leaf an excess of
10,000 rs would be awarded a cash prize of 1% on total savings made on that
particular time frame (average) per year


Educational institutions in some countries is being used by lending support in

food consumption if child is sent to school up to a certain standard of class

their should be some other type of motivation in sense that job guarantee in labor
market once child completes certain standard of education within a specific time

Educational institutions if made private would increase the expenditure of a

family as they look out for more profits,

If these benefits are provided with companies setting out educational institutions
for its labor with funding on equal basis with Government,

How its that

This would make even companies happy with labor union leaders in their
respective branches

Example: TATAS having their own medical doctors taking care of labour free of
cost in Jamshedpur, jharkand

This extended to education also

Research and Development wing has to improve its standards over the period of
time with enough investment made for looking at future growth of brands

How can this happen,

It can happen only if CEO of company sets up a statutory body to look at patents
that are coming up in the market at regular intervals especially in its own home

Through 4c research can be shared between companies or done research


Technological advancement can be checked in its country if this policy is decided

by Board Members

Companies have to go for innovations of their brands on regular basis if they

want to survive

How to do it innovatively or say how would you manage these brands

It is through

4c can play an important role in sharing information about industry segment wise
in both research and innovation

What are the steps needed to get/manage information on brands?

Ans) steps needed to get/manage information under branding are

Step one

Prioritize information as per company core competency

Step two

Check out the database available in Internet based upon your core competency

Step three

Streamline as per companies man power requirement

Step four

Prioritize information based upon the company product brand requirement

Step five

Brands which are successful has to be channelised first through information

Step six

Brands which are into losses or average sales, must be given least preference, because
these as per jagadish, are selling based upon word of mouth and not the other mediums of

Step seven:

Check out the information between success and failure brands information and do SWOT
analysis to get results

Step eight

Check out the working capital (cash in hand) to do research on successful products
Continuing them on mature stage so that they don’t lose sales

Step nine:

Do SWOT on successful and unsuccessful brands based upon regular updating of

information on brands relating to core competency


Corporate speeches:

Any speech made by company organization at different management meets must be

recorded or distributed to employees

Knowing about the company (its accomplishments/vision/mission) is the right of every


As direction given by the CEO and board members must be key in sharing information
for a company

The different ways by which this sharing of information can be done is through

a) Toll free numbers where company employee’s problem can be heard and shared with
board members on selective basis

b) Company CEO or management speeches to be highlighted/shown in specific rooms

c) Company brochures monthly to be distributed so that company progress can be
highlighted with stakeholder’s information and their opinion to be highlighted

These are some of few initiatives can be taken by the corporate CEO or board of directors
in consultation with employees/stakeholders/consultants


CHINA biggest problem in future as understood by jagadish

Note to INDIA also

As per CIA (Central Intelligence Agency) USA of china report

As I read the report that rural sector problem of poverty is reducing, I was
thinking how it could have been done

The report never said how that poverty problem was solved

It said by solving problem in coastal belt of china poverty elevation was done

It was also specified in the report as per my knowledge that villagers mostly have
shifted their base camp to urban cities, how could they shift

Policy regarding rural elevation in coastal belts was taken as per report 30 years
back as per my remembrance


Jagadish feels if any country has to reduce poverty in rural areas that too
specially if looked at from India perspective

What India is doing is constructing houses for rural areas and I suppose it is free
of cost

What happens if it is free of cost after some years say villagers wait for 2 to 3
years in that constructed houses built by government

Villagers would sell that house on the spot to some real estate company for want
of money and shift their camp to urban cities or towns for employment because
they have free money

This means you are generating money for rural sector free of cost
money reducing the price of houses in rural sector in near future because
villagers have shifted to urban areas by selling house which were constructed
say at 3 lakhs suppose and they sold it at 1 lakh for not knowing the price as was
constructed by government for them

Loss of capital gain

Now what happens?

These villagers have money freely and invested in houses in cities raising the
dwelling charges in urban cities in due course of time

China may have implemented it in policy of 30 years which would result by now
a huge amount of house property gain unmanageable proportion

Too much of demand less of supply of house

Now what happens?

Prices of commodities also would increase in city life where standard of living
would fall down because of rural policy decision

After few decade of implementation being taken place again because of free
money being spent by rural sector people

Unemployment becomes rampant in cities and villagers would not be shifting

back to rural areas

This would force government to increase tax bracket in cities because of lack of
funds available to it because we discussed that their is loss of capital gain though

Because of free money earned by villagers without effort being made by


Why would tax bracket increase,

It would earn because this construction of houses given by government to

villagers is all over India

Now what happens if tax bracket increases?

Those who are in poor state of money have to pay money because tax bracket
has increased

So I said that standard of living has fallen down in the country

China must have been going through this phase if I am correct, I am not sure

India might follow the same plight in future if my prediction comes true

It is pure common sense

Any thinkers on these lines

What can be the solution as per jagadish is concerned if this data provided by me
stands correct

Shift the money faster from public which is free to central government to reduce
money in supply

But to be noted that with government owned companies issuing proper mode of
financial instrument on behalf of government say mutual funds which concerns
poor people

That is where the money is being circulated as per prediction of jagadish mistake
might have been committed by government to reduce poverty in country

Now another question is the decision of china going in for coastal belt a right
decision is now the question even though success has been tasted with
reduction in poverty

But as per jagadish is concerned this poverty has been reduced because maybe
of free money being circulated with no capital gain enjoyed by government if
jagadish is correct in interpretation

How rural sector should be shifted from low level of standard of living to higher
standard of living without shifting them from rural to urban cities

Solution has been for a long time about concentrating on education

One can debate that with education also shifting of knowledgeable people of
village would take place to urban cities but at least problem of free money and
economic turmoil can be stopped,

It is coming up with intellectual knowledge capitalism instead of money power

Which can be added advantage to the urban sector where this type of intellectual
capitalism can be used by corporates for money making?

That is sharing of knowledge

Another solution is that in order to stop this sales by villagers, government has to
sign an agreement with village community as to not to sell their houses at any
given point of time

If this type of agreement is signed, this problem can be solved with construction
of houses being done in villages with the help of village panchayat say in INDIA


4c concept of sharing products promotion between companies-------Retail

Normally when companies promote each other

Promotion of company products happen at regular intervals

Some companies have their own retail stores, some don't

Tie ups happen under each other for promoting their respective brands

4c facilitates promotion of products between companies product promotion

through altruism

But still problems exist in designing product promotion campaign

Reliance Company for example has its own retail store to promote its products at
a large scale

Companies some because of lack of capital cant promote their products through
retail sector of their own and promote products of their own through third party

If under 4c companies come under product promotion and try to promote

products say under reliance retail stores of say INDIA

What problems can come?

Say a tie up has happened with reliance by one company to promote its products
with reliance

Their is a question of shelf space, it can be sorted out with sales under mutual

If two, three, four companies come together and want to promote in reliance

Then what should reliance retail segment do

Too many products, too less a shelf space

If they go with product sales commission if done, their is loss to reliance as some
products sell and some products don't sell

They may even vary with each change in month as some company products
sales would sell in one month and not sell as much in other months.

What type of contract would benefit reliance?

Jagadish feels that on that basis why not use monthly rent system where a fixed
amount of money to be paid to reliance by companies which have come into
contract whether product of that company sell or not in any months

This type of contracts is applicable to any retail giant say food world, trinetra,
Wal-Mart etc.

If companies go in for same amount and fight for same retail shelf space for
promotion and are ready to pay the amount even if the products don't sell

reliance of India for example can ask for vision and mission of products it is
selling in near future and based on which it can promote the products.


Paper industry

Birla company in India highlighted that paper industry will be lost in few decades
down the lane because of lack of trees

Now what is the solution?

One solution every one knows is that

a) Market space (Internet usage)

b) Let’s see whether any artificial paper can be prepared or not

Example: bonsai (trees, shrubs)

Have to consult an agricultural expert say ICRISAT


Generation gap is defined as gap between two generations say between father
and son or between mother and son or between two people etc

As per records this generation gap is decreasing which means usually

intelligence quotient is more than was seen previously between the two entities
say father and son

Example: father and son intelligence quotient difference previously was 5 years

This has decreased to 3 years

Which means understanding of terms, management jargon's usage etc has

actually been learnt faster than normal,

We say it as revolutionary in management but this generation is decreasing why


1) Usage of information technology

2) Usage of more of brain power than physical work

3) Getting access to information which determines faster decision making by


4) Availability of information

Every thing now days are boiling down to strategic decision because now every
one has access to same information

How to now make strategic decision effective is now the question

Working on core competency should be the main criteria as it gives faster access
to decision making as it is most affected when decisions are made

Something related to money making

Second criteria is managing information effectively which has been touched

previously by me

Check out my managing information blog which has been discussed previously

Making training and development part and parcel of management with

consultants giving information to employees
Sharing of information within and outside corporate circle should be the
criteria when it comes to giving information to stakeholders, employees

Example: company blogs which are free to access for both stakeholders and


How to provide education to poor people through corporate sector

Normally poor people means it is farmers or villages is the natural thought process

But another insight being given is workers working in corporate sector

They are also poor people earning monthly wages

Corporates can tap this poor section in their factories and provide education to their

Benefit: huge amount of goodwill with labor unions without any tension

Future these children become workers can be termed knowledgeable workers with
education and common sense workers working in factories

How to provide this education

Construct buildings to provide education is the natural theme

But alas another strategy which is much cheaper to corporate sector is

Provide Sunday classes when schools are closed or provide evening classes when
students leave the premises in the evening by tying up with educational institutions for
using their building premises

Another way to provide education is during vacations


Role of Information technology in crisis

Recently I have been reading what is happening in china with Google and
Microsoft being affected the most in ongoing debate about Information
technology Internet
I have at last analyzed under commonsense that Microsoft recently released it
VC, vc++ etc to the general public free of cost

One of the retired employees has stated also in news that Microsoft is coming to

I don't know how much it is true but recent attacks in china as to accounts
management is becoming very very scary

Jagadish me feels that DOS, Linux (both character user interface) should be
made mandatory for IT professionals as basics is most important

Even windows was created through DOS (Disk Operating System) which is
character user interface based programming

If professionals can go back to these character user interface knowledge they

can save the crisis which is looming large all over the world

sincere suggestion to the world is it is as per my knowledge character user

interface gives you more security than graphical user interface for simple reason
it is character user interface which is difficult to comprehend and difficult to

For creation of viruses, Trojans

Think it over if I am correct in deciphering it


How to earn and spend money when corruption is rampant by companies

who want to invest in research or any other purpose

Research is rampant across the globe done by many companies to survive,

How to spend this wisely if companies think of allotting it to each other under one

Why not centralize the money under each country by companies and use it

Say 1 crore per month from each company to be allotted from the funds
accumulated for mid cap and large cap companies
Why mid cap and large cap been given same amount so that mergers and
acquisitions don't happen because if it happens because of free money circulated

Economies would collapse soon


Small caps can be allotted say 25 lakhs based upon its requirement

All this money is used under research where a one page report to be submitted
by company that wants to utilize the money for itself under vision and mission
statement to be submitted to centralized bank under each country

This total allotment of money which is accumulated in centralized bank has to be

monitored only by one bank selected by the government

Every 6 months profit and loss and balance sheet by bank has to be submitted to
the companies who have given the money to it for research purpose to be done
by any company