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As we rush through life!

In Washington, DC, at a Metro Station, on a cold January morning in 2007, this man with a violin played six Bach pieces for about 45 minutes.  During that time, approximately 2,000 people went through the station, most of them on their way to work. About 3 minutes: The violinist received his first dollar.  A woman threw money in the hat and, without stopping, continued to walk. At 6 minutes: A young man leaned against the wall to listen to him, then looked at his watch and started to walk again. At 45 minutes: The musician played continuously.  Only 6 people stopped and listened for a short while.  About 20 gave money but continued to walk at their normal pace.  The man collected a total of $32.  After 1 hour: He finished playing and silence took over.  No one noticed and no one applauded.  There was no recognition at all. No one knew this, but the violinist was Joshua Bell, one of the greatest musicians in the world.  He played one of the most intricate pieces eve

Invest with Care!!

With the market going high and hing; most of the ordinary investors are investing in stocks and mutual fund's units that they consider promising. But unfortunately they are wrong. For the past (30) thirty years I have been observing the Indian market;the trend here , only then the small investors invest when market goes high and subsequently they lose as market falls. They believe, initially that the market is falling for corrections; as most of their popular TV channels advocate. But to their utter dismay , the market keep falling without any sigh of revival. Most of the small investors , with fear, divest and fill the pockets of the operators. Those who take the gullible investors for ride, even in these days of Globalization. So, I urge not fall pray in the hands of operators. Small investors should divest and keep the liquidity intact. When the market falls or crashes they should pick up only the blue chips.

Mutual Fund Portfolie to brave all weather

Equity mutual funds perform differently in different time periods as investment styles and sectors come in and go out of favor. While screening tools readily provide performance data and make the task of identifying top mutual funds relatively easy, there is more to constructing an all-weather portfolio than screening for the top funds. This article describes methods of constructing an all-weather portfolio. Before getting into the nitty-gritty of constructing an all-weather portfolio, it helps to know how equity mutual funds are classified and how their performance is impacted by market conditions. Classification by Market Capitalization & Style Equity funds are commonly classified based on market capitalization of the companies in which they invest their assets and investment style. Market capitalization is divided into three categories: large, medium, and small. Investment style likewise is divided into three categories: value, growth, and blend. Combining both types

IT Industries - The Savior

The social sites or dating sites are gaining more and more popularity by every passing days. People with access to internet mostly engaged themselves with these sites when they are free. In fact movies or TVs became popular as they offered a space in day to day life that is monotonous. The world of fantasy or depicting realty helps escape viewers for some time cutting down their stress level. Not that they are not popular any more, they still are firm in their place albeit with little intensity. Now the new entrant internet has replaced the movies or TVs at least with those having easy access to it. In fact internet overtook the movie or TV shows in terms popularity because it offers to interact. This interaction has drawn the vast internet users to dating or social sites like Google’s Orkut or Tagged, Persoft and many more. These sites truly opened new vistas for millions of internet users all over the world. Now it is quite usual that a person sitting right in a .remote villag

Safeguard Middle Class's Money!

It is observed that middle class suffers most or lose maximum in terms of their money or savings, when any financial crises creeps in. Every time the share markets go tumble tosser, they are caught napping or on wrong foots. The rich and super riches can withstand the blow of market crash. The poor are not directly affected by it due to their non exposure. So, the victims are middle class people. The current crash in stock market is a global phenomenon. The Wall Street is the origin, the sub-prime crisis is responsible and the result is global recession. There is hue of demand slump, layoffs, and interest rate cuts all over. India is not totally insulated from these vagaries. This the time one should be more wise to safe guard his investments or savings. No one knows for the sure; when stock market will bottom out. It may take any length of time. It took 3-4 years for the market to bottom out after the Wall Street crash in 1929. Finally when market bottomed out, the stock prices lost t

Cooling Time !

The oil price is cooling, it touched $99 per barrel and settled around $103 today. At the same time dollar is firming against INR and hoovering around Rs44-45/- per dollar band. Obviously the gain in the fall of Crude price is being off set by the appreciation of dollar for the oil importing companies (that includes all) in India. So, the concerned ministry has announced that they are not mulling any immediate reduction in oil price. In fact they are projecting how much being subsidized per liter of petrol,diesel, kerosene and LPG cylinder. What is surprising they never highlight how much direct and indirect taxes are levied on any petroleum products. Subsidy on them means just ploughing back a slice of taxes collected on them. The inflation rate has shown the symptom to take a downward trend. May be the better time is back or likely to be back in another two months. Monsoon appears to be good , though it has caused havoc in some areas causing flood or river overflowing or changing it