Tuesday, December 30, 2008

Simple Friends vs. Real Friends!!

A simple friend has never seen you cry.
A real friend has shoulders soggy from your tears.

A simple friend thinks the friendship is over when you have an argument.
A real friend knows that it's not a friendship until after you've had a fight.

A simple friend hates it when you call after going to bed.
A real friend asks you why you took so long to call.

A simple friend, when visiting, acts like a guest.
A real friend opens your refrigerator and helps herself.

A simple friend expects you to always be there for them.
A real friend expects to always be there for you!

I Asked God!!

I asked for strength and God gave me difficulties to make me strong.
I asked for wisdom and God gave me problems to solve .
I asked for prosperity and God gave me brawn and brain to work.
I asked for courage and God gave me dangers to overcome.
I asked for patience God placed me in situations where I was forced to wait.
I asked for love and God gave me troubled people to help.
I asked for favors and God gave me opportunities.
I received nothing I wanted I received everything I needed.
My Prayer Has Been Answered!!

Tuesday, December 9, 2008


Treat me kindly, my beloved friend,
For no heart in all the world is more
rateful for kindness than the loving
heart of me.

Do not break my spirit with a stick,
For though I should lick your hand
between blows, your patience and
understanding will more quickly
teach me the things you would
have me learn.

Speak to me often, For your voice is
the world's sweetest music, as you must
know by the fierce wagging of my tail
when your footsteps fall upon my ears.

Please take me inside when it is cold
and wet, For I am a domesticated
animal, no longer accustomed to the
bitter elements. I ask no greater glory
than the privilege of sitting at your
feet beside the hearth.

Keep my pan filled with water,
for Icannot tell you when I suffer thirst.
Feed me clean food that I may stay well,
to romp and play and do your bidding,
to walk by your side, and stand ready,
willing and able to protect you
with my life, should your life be in danger.

And, my friend, when I am very old, and
I no longer enjoy good health, hearing
and good sight, do not make heroic
efforts to keep me going.

I am not having fun. Please see that my
trusting life is taken gently. I shall
leave this earth knowing with the last
breath I drew, that my fate was always
safest in your hand.

Monday, December 8, 2008

The Optimists Creed!!

I Promise Myself

To be so strong that nothing can disturb my peace of mind.
To talk health, happiness, and prosperity to every person I meet.
To make all my friends feel that there is something worthwhile in them.
To look at the sunny side of everything, and make my optimism come true.
To think only of the best, to work only for the best and to expect only the best.
To be just as enthusiastic about the success of others as I am about my own.
To forget the mistakes of the past and press on to the greater achievements of the future.
To wear a cheerful expression at all times and give a smile to every living creature I meet.
To give so much time to improving myself that I have no time to criticize others.
To be too large for worry, too noble for anger, too strong for fear, and too happy to permit the presence of trouble.
To think well of myself and to proclaim this fact to the world, not in loud words, but in great deeds.
To live in the faith that the whole world is on my side, so long as I am true to the best that is in me.

Desired Things!!

Go placidly amid the noise and the haste,
and remember what peace there may be in silence.

As far as possible, without surrender,
be on good terms with all persons.

Speak your truth quietly and clearly;
and listen to others,
even to the dull and the ignorant;
they too have their story.
Avoid loud and aggressive persons;
they are vexatious to the spirit.

If you compare yourself with others,
you may become vain or bitter, f
or always there will be greater and lesser persons than yourself.
Enjoy your achievements as well as your plans.
Keep interested in your own career, however humble;
it is a real possession in the changing fortunes of time.

Exercise caution in your business affairs,
for the world is full of trickery.
But let this not blind you to what virtue there is;
many persons strive for high ideals,
nd everywhere life is full of heroism.
Be yourself. Especially do not feign affection.
Neither be cynical about love,
for in the face of all aridity and disenchantment,
it is as perennial as the grass.

Take kindly the counsel of the years,
gracefully surrendering the things of youth.
Nurture strength of spirit to shield you in sudden misfortune.
But do not distress yourself with dark imaginings.
Many fears are born of fatigue and loneliness.

Beyond a wholesome discipline,
be gentle with yourself.
You are a child of the universe no less than the trees and the stars;
you have a right to be here.
And whether or not it is clear to you,
no doubt the universe is unfolding as it should.

Therefore be at peace with God,
whatever you conceive Him to be.
And whatever your labors and aspirations,
in the noisy confusion of life,
keep peace in your soul.

With all its sham, drudgery, and broken dreams,
it is still a beautiful world.
Be cheerful. Strive to be happy.

Don't Quit!!

When things go wrong, as they sometimes will
When the road you're trudging seems all uphill
When the funds are low and the debts are high
And you want to smile, but you have to sigh
When care is pressing you down a bit
Rest if you must, but don't you quit.

Life is queer with its twists and turns
As every one of us sometimes learns
And many a fellow turns about
When he might have won, had he stuck it out.

Don't give up though the pace seems slow
You may succeed with another blow.

Often the goal is nearer than
It seems to a faint and faltering man;
Often the struggler has given up
When he might have captured the victor's cup;
And he learned too late when the night came down
How close he was to the golden crown.

Success is failure turned inside out
The silver tint of the clouds of doubt
And you never can tell how close you are
It may be near when it seems afar;
So stick to the fight when you're hardest hit
It's when things seem worst that you mustn't quit.

Wednesday, December 3, 2008

Types of Investment!!

The word 'investments' is one that most of us are familiar with hearing in financial context. For many of us, it may make us thing of big business and vasts sums of money, but there's much to the world of investments than multi-million dollar deals.

Although it's true that, at the top level, investments may run into many millions, it is possible for the average person in the street to invest smaller amounts of money and to invest it wisely. If you've ever thought about trying to help your money to grow, then maybe you've wondered what opportunities are available.

In truth, investments can cover a wide range of options. One of the most traditional types of investing is in the stock market. This has been viewed by some as being a difficult type of investment to get into, but times are changing. The new range of online stockbrokers available mean that it's now easy (and fairly inexpensive) to get involved in buying and selling shares. If you're interested in share dealing yourself, then you'd be wise to remember that there is a risk involved ("shares may go down in value, as well as up"). It's vital that you investigate the area thoroughly before taking the plunge and you should view shares as a medium to long-term investment. If you invest expecting to make a quick buck, then you're likely to be disappointed.

An alternative type of investment, which has become particularly popular in the UK, is that of property. Putting money into residential properties and then taking a rental income is seen by many as a win-win situation. The largest downside to this type of investing is that you'll need a large capital sum to begin with, or else you'll need to take out a sizeable loan. As with the stock market, property should be looked at as a long-term investment.

The main types of financial investments are cash, fixed interest securities (gilts and bonds) and shares (equities).

Cash deposited in a bank or building society can earn interest. The amount of interest that you will get depends upon a number of different things:
1. The general level of interest rates set by the Bank.
2. The size of your investment - larger investments may attract higher interest rates
3. How long you are prepared to give up access to your money - if you are prepared to wait, say 60 or 90 days before withdrawing your money, you may get more than if you withdrew it straightaway.
Saving in deposit accounts or National Savings products which offer interest, is the way most people start investing. However, there is some risk involved because the interest you receive after tax, may not be enough to allow the value of your cash to keep up with inflation. Over the long term this can mean that your money loses its value in terms of what it can buy. A Rs.1 coin will always be worth Rs.1, but what you can buy with that coin will reduce with inflation.

Bonds are issued by governments and companies as a means of borrowing money. Government bonds are known as gilt-edged securities or "gilts". Bonds issued by companies are known as corporate bonds.
Bonds and gilts are issued with a promise that investors' money will be repaid at a set future date - the "redemption date". In the meantime, the bonds/gilts pay out a regular and usually fixed amount of interest. The income you earn is known as the bond yield. This is generally higher than the interest paid on deposit accounts because bonds can be riskier than deposit accounts. For example, the price of bonds varies relative to interest rates and may therefore fall when interest rates are rising.
If you need access to your money before the redemption date, you can sell the bond to someone else through the open market. The price you get will be the market price of the bond at the time you sell, so you may get more or less than you would get if you wait till the redemption date.

Shares in a company are just that. As a shareholder you own part of the company in which you have invested, and have a direct share in its assets and future profits. Shares are often called "equities". Part of the company's profit may be paid directly to you in the form of dividends, normally distributed twice a year. People also invest in shares to make money through an increase in value, which is reflected in the share price.
It is important to note that the value of shares can go down as well as up and you may not get back the amount you originally invested.
To convert your shares back into cash, you have to sell them to someone else in the stock market. The price you get depends on a range of factors such as what other investors think the future profits of the company are likely to be.

Property is a popular investment asset but it is important to realise that if you invest directly in property you are holding an asset which is harder to dispose of than some other assets. Your own property may of course be your biggest asset, but you cannot benefit from its value if you also need somewhere to live. You could invest in other properties, such as buy to let, but it may be better to consider investing in property via investment funds. Not only do these offer you the option to cash in your investment on a daily basis, but they also offer you the benefits of exposure to commercial property investment.

The benefits of buying investment funds to spread risk by giving access to professional fund managers whose job is to invest in a range of companies with the aim of maximising the return from investment.

Risk of Investment!!

If your investment is bought and sold in the stock market, you are exposed to market risk as market prices may fall as well as rise.

If you are entitled to a regular payment (as with fixed interest securities), there is the risk that the issuer may not be able to keep up these payments or repay at redemption. This is known as default risk.

The issuer may not actually default, but the perception that they might - the credit rating - may change, and this could lower the market value of bonds. This risk is called credit risk.

If the investment is overseas in a foreign currency or a company does business overseas, its value in sterling will be affected by exchange rates. This is called currency risk.

Inflation reduces the future purchasing power of your investments, and the interest you earn may not compensate for this. Inflation risk can therefore affect both your investment objectives and other investment risks.

It may be difficult to cash in your investment quickly or at the price you expect. This is called liquidity risk. It is a risk often associated with investments in property, which is a highly illiquid asset.

How to avoid risk??
Risk can never be eliminated but it is possible to manage it successfully. The principal weapon is "diversification" - spreading your risk.

If you put all of your eggs in one basket, you are vulnerable to risk. Different investments behave in different ways and are subject to different risks. Saving your money in a range of assets helps reduce the loss, should one of your investments suffer a downturn.

There is also a need to diversify within each type of investment. This is especially important in the case of share and bond investing, but can even be true of cash, where the risks are generally lowest. Putting all your money in one deposit account runs the risk that the interest paid on that account will change relative to other accounts. This could mean that the interest you receive is no longer as good as when you originally invested.

It is important to remember that all investments have a degree of risk. Even choosing not to invest is risky. The key is to get the right balance. Most people need a mix of assets in order to achieve their goals. The mix required depends upon individual needs.

First of all, plan about ur investments..Decide on ur Goals and take your time frame..
1. What are u investing for? may be for education, marriage, new house,retirement & so on & so forth..
2.How long do u expect it will take u to make enough money to meet ur goal??
3.When u want to spend ur money r u investing??

You may have a lump sum to invest which you would like to see grow, or from which you wish to draw an income. Equally, you may decide to invest in instalments, (for example, on a monthly basis) with a view to building up a lump sum.
Your investment goals should determine your investment plan and the time question: - "How long have I got before I need to spend the money?" - is crucial.
Generally, the longer it is before you need your money, the greater the amount of risk you are able to take in the expectation of greater reward. You don't want to find yourself having to sell just when the price has fallen. If you plan to spend the money soon, say in a few years, if you are nearing retirement and are planning to take an immediate income from your pension fund, you will want to safeguard the value of your money.
So plan how to invest, where to invest, what r the available sources for investment, what r the multiple options available, which option is best suited???????So find the answers for all these questions based on ur capability, opinion,requirement and moreover for ur own benefit..Since no one can know about future, so its best when u invest ur money!! There may be bad times, wherein money is atmost requirement and since some of us dont wish to take financial help from others[eventhough they r extremely close to us] its best option to invest from initial stages of joining a job!!

Goal TimeFrame Plan

Retirement Income 40years to go Mainly Shares

Saving for Children 18years Mainly Shares

Retirement Income 5-10years to go Bonds, Cash & Shares

Next Year's Holiday 1Year Cash

Immediate Income Continuing Bonds & Shares.


The word "investment" can be defined in many ways according to different theories and principles. It is a term that can be used in a number of contexts.

However, the different meanings of "investment" are more alike than dissimilar. Generally, investment is the application of money for earning more money. Investment also means savings or savings made through delayed consumption.

According to economists, investment is the utilization of resources in order to increase income or production output in the future. An amount deposited into a bank or machinery that is purchased in anticipation of earning income in the long run are both examples of investments.

Although there is a general broad definition to the term investment, it carries slightly different meanings to different industrial sectors.

According to economists, investment refers to any physical or tangible asset, for example, a building or machinery and equipment. On the other hand, finance professionals define an investment as money utilized for buying financial assets, for example stocks, bonds, bullion, real properties, and precious items.

According to finance, the practice of investment refers to the buying of a financial product or any valued item with an anticipation that positive returns will be received in the future. The most important feature of financial investments is that they carry high market liquidity.

The method used for evaluating the value of a financial investment is known as valuation. According to business theories, investment is that activity in which a manufacturer buys a physical asset, for example, stock or production equipment, in expectation that this will help the business to prosper in the long run.

Nowadays, In this current generation as well as current situation, as all of us know that, there is recession in economy, so many lost their jobs and r unable to come out of deep sea eventhough they r professional swimmers. When this happens with other citizens as well, what must be the criteria with other person who also faces some or the otherday?? Have we ever thought of helping and guiding them how to invest??What is the importance/need of Investment??

we are becoming Selfish..we r least bothered about our own people who suffer in the long run..Nowadays, Young Generation, prefers to work in MNC's, without even analyzing their future in MNC!! What sureity that a person gets that his job is permanent when he/she joins a MNC..People r very crazy of Money!!

MNC pays Rs.20,000/- for Training and double will be the pay after training is over!! What do u achieve by getting 40,000/-.They r almost sacrificing half of their life in companys' working more than 10hrs-12hrs..they dont even find time to spend with family members!! no outing nothing!! Simply working more than DONKEYS!!Moreover, people cant work after 40's if they r working in MNC's, bcoz of health disorders!! Health disorders may be bcoz of sitting long hrs in Front of computer, Strain for eyes, will suffer from back pain!!Do we get pension?? after retirement!! no..Only in Government Jobs we get pension..MNC may provide with Health Insurance, but will they provide even after our retirement?? No..Never!!

We r human beings..Not animals..No doubt..Money is very essentail in current generation..But do u think, only MNS'c can provide u with luxury,comfort?? If a person is working in Teaching field[as lecturer/professor/kindergarden teacher] ppl neglect them, as though they r somewhat useless work!! Even teaching field is good..only few people agree vth teaching field..but what about others??

A person may be a maid-servant, cleaner, driver, teacher, manager,director,executive,CEO, what all designations he may ve..Investment plays a vital role in each and everybody's Life..

Employee knows that, he/she has to invest, but are unaware of how to Invest??

Since I am pursuing with Bachelor of Commerce in Accounts and Finance[B.C.A.F, Professional Bcom], I would like to share an example with all my Near and Dear One's!!

Suppose, If A is earning Rs. 40,000, and B is earning Rs.30,000 working in good reputed MNC's..If their monthly expenditure is Rs.20,000/- and remaining 20k of A and 10k of B should be invested!! But, if A has kept Rs.10k[for emergency] and B has kept Rs.5k[for emergency], A will invest remaining Rs.10k in his account and B will Invest Rs.5k in his account!!

Now, after 10yrs, they need double the amount for expenditure living with the same standard of living..without purchasing any fixed assets and leading their life economically can help them to save money for the future.. But, Saying is easiest way than doing it practically!!

At this moment, B feels that, Rs.5k is more than enough even for an emergency, but what a person can get vth Rs.5k..Nowadays, Rs.5k is nothing..its like Rs.5/-

When do we understand amount Investment/Finance/Banking??If a person specialized in Accounts and Finance field and wish to enhance knowledge regarding this to others'..some r least bothered to listen!! They say, This is very boring topic and Y r u heating our head?? Plz dont Bombard with loads of Info regarding this..Bcoz we feel we r unsecure, even though we r earning lakhs of Rupees!!

Investment is needed for us as well as for our future generation; which includes,

  1. Education

  2. Marriage

  3. Health

  4. Old age

  5. To acquire Fixed Assets

  6. Many of us will ve dream of having Buckinghum Palace

Some of them feel funny/silly when I ve listed out the requirements/need/essentials of Investing!! But ve we ever thought of Investment??our future?? no never we do that!! If we start thinking/analyzing, then immediately within a fraction of a second we stop thinking and will never bother to think again..Assumption will be common among all of us, i.e; Lets accept what all comes in our way, What all is written in our fate, that what happens and no one can help for it nor can change our fate!!

But we have to be ready for each and every circumstance/situation..Life is Uncertain and anything can happen at any point of time..

Former President of India, A.P.J.Abdul Kalam had said in his speech to every Indian that, "We are the first in milk production.We are number one in Remote sensing satellites.We are the second largest producer of wheat.We are the second largest producer of rice."

We shall question ourselves that What about in economy??When will we overcome with Poverty??

So, we being responsible citizens of India, lets think how to overcome with poverty and try to educate people who are lacking behind in this regard!!

We shall take a Oath of overcoming Poverty in India!! Prove urselves what u r..

Thanks for devoting ur precious time in reading this article..I felt like sharing about investement with all my near and dear ones'..So I ve poured all my feelings, emotions, views,thoughts with regards to our Nation and also felt like enhacing knowledge about Investment to the people of our country!!Thanks a Lot..For having patience, deep Interest in Reading this!!

I think, I ve bombarded and also heated up ur Brains by providing and also somewhat including with Debate kind of Info in this Article!!