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Saturday, August 17, 2019
Sunday, August 7, 2016
Sunday, July 17, 2016
Child Care n Women Development
http://www.spirulinafoundation.com
India has an alarmingly high level of malnutrition. According to UN report 2 out of every 3 malnourished kids on the earth is an Indian and nearly 50% of Indian kids below 5 years is malnourished. We, at Spirulina foundation, firmly believe that the answer to malnutrition is Spirulina.
Hence, linking the Problem (Malnutrition) and solution (Spirulina) is the key role of this NGO which is trying to Eradicate Malnutrition from this country from the grass root levels, by using highly cost effective, efficient and time proven Spirulina. Spirulina is globally accepted and used as a key tool against malnutrition by UN and WHO.
Sunday, July 12, 2015
5 investment secrets from Warren Buffett you can`t miss
5 investment secrets from Warren Buffett you can`t miss
Buffett is arguably the most successful value investor of all time. Investing principles that he has taught us are powerful if applied to oneĆ¢€™s portfolio.
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Amit Kukreja
Born in a small town called Omaha in 1930, Warrant Buffett was fascinated by business from a very young age. He did many pocket-money earning chores such as selling gums, soda, and magazines door to door. He filed his first income-tax return when he was only 14. Not only that, he availed a $35 tax deduction for the use of his bicycle and his watch for his paper delivery ‘business’! Obviously he had astute business instincts. He visited New York stock exchange when he was 11. He invested in stocks that did well. He bought a small farm that he rented to a tenant farmer. And these initiatives grew to almost $100,000 by the time he finished college.
Warren Buffett’s rise was relatively smooth and steady. Not all his bets worked out though. However his investments did not follow the ups and downs of the traditional investment world. By 1962, he had become a millionaire. By 1979, his net worth had crossed $600 million and was a name in Forbes 400 list. And by 1990, he had become a billionaire. He became the world’s richest man in 2008 and has been in the top-10 list of wealthiest people on earth for over a decade. As of March 2015, he is the third richest on the planet with his wealth at $72.7 billion.
Buffett is arguably the most successful value investor of all time. He still holds stocks he bought 30-40 years ago. His principles of value investing have stood the test of times. Whether you are an employee or a business owner? A career beginner or a person close to your retirement phase? A working male or a female? Investing principles that he has taught us are powerful if applied to one’s portfolio, irrespective of the economy you are in. Let’s recap a set of these principles:
Understand your circumstances
You must understand yourself and your circumstances before you invest. In other words your age, investment horizon, investment risks being taken, income & savings, liabilities, economy etc. should all be carefully analyzed before you start investing. These factors require detailed attention before you make your investment strategy. Your investment portfolio will invariably comprise equity, fixed income and cash (or money market) assets. Determining the right combination of all three that suits your circumstances is the key to creating wealth. The market volatility should not be the main criteria to rejig your portfolio.
Compounding is the 8th wonder of the world
Most of us think that small differences in returns are a part of daily life and thus can be ignored. The fact is that these small differences in returns, when compounded over decades, can make a huge difference to your portfolio value. Warren Buffett’s CAGR at Berkshire Hathaway has been about 19.4% for the period 1965 to 2014. In other words if you had invested $100 with Warren Buffett in 1965, today you would have nearly $593,215 after 49 years. If you were not as lucky as Warren and had a CAGR of 17% in your portfolio, you would have nearly $219,335. Owing to the compounding growth, the difference in the annualized return of 2.4% (i.e. 19.4% less 17%) creates a difference in the portfolio value of over $373,000. The difference is massive!
Day trading is an absolute No!
Buffett has reiterated that “Wall street makes its money on activity. You make your money on inactivity.” Active trading leads to brokerage and taxes that erode your returns. An intelligent investor makes good bets and does not trade in and out of them. One must also understand that the trading mindset leads to reactive transactions based on market news and market sentiment. Lot of unsolicited information through TV channels, websites and radio may harm your portfolio. Invest in good businesses and sit tight. It is the time in the market that will grow your wealth once you have done the homework before investing.
Mind your temperament:
You should know your investing strengths and weaknesses, likes and dislikes before you invest. Do you analyze the products that you are investing in before you actually invest? Or do you invest following some trends? Or are you investing to follow the crowd? Investors can, by their own behavior, make asset ownership highly risky. And many do. Attempts to 'time' the market movements, over or inadequate diversification, and the use of borrowed money can destroy the returns of your portfolio. It goes against wisdom to buy when everyone is selling and to sell everyone is buying. However if you are a value investor, you would look for opportunities in stocks and equity mutual funds. It’s the discipline and investment philosophy that makes all the difference in your portfolio.
Understand what you know Vs what you don’t:
You should be able to distinguish between what you know vs. what you don’t know. There might be tons of opportunities out there however if you can’t understand any of them or obtain a professional unbiased advice on them, you must avoid investing in them at all costs. Warren Buffett sat on tens of billions of dollars of idle cash during the technology boom of the late 1990 but did not play, because he admitted that he did not understand technology, even though Bill Gates was one of his friends.
Amit is a member of The Financial Planners’ Guild , India (FPGI). FPGI is an association of Practicing Certified Financial Planners to create awareness about Financial Planning among the public, promote professional excellence and ensure high quality practice standards
Sunday, May 24, 2015
Career Guidance
learned.in
3 Reasons You're Not Getting Promoted
http://www.msn.com/en-in/money/careersandeducation/3-reasons-youre-not-getting-promoted/ar-AAcvCR7?ocid=iehp#page=3
Thursday, August 28, 2014
The Last Days of Average By Robin Sharma
#1 bestselling author of The Leader Who Had No Title You
were constructed to win. You’ve been designed to wow. And you’ve been built to
inspire. As we get you to your NLWC (Next Level of World-Class), I wanted to run
you through some of the core distinctions between those who operate at average…
…and those who have the guts and acumen to aim for ICONIC… Fair Warning: This
piece is a little longer than usual. We live in a world where too many people
have given up the ability to go deep and read intensely, preferring dancing cat
videos and short bursts of cotton-candy content designed to entertain versus
educate… …my heartfelt encouragement is stay with this post until the end.
Reflect on the insights I’ve worked so hard to share. And most key, live the
message… And so…
#1. Average performers love to talk about others. Iconic
producers are obsessed with discussing their dreams.
#2. Average performers adore leisure. They know the hot tv
shows, spend their finest hours playing video games and are first among friends
to secure the latest gadget. Iconic producers are vastly different…their
addiction is learning. They invest in books, go to conferences, mastermind with
masters and do whatever it takes to make their tomorrows better than their
todays. Please remember: the more you know, the more you can achieve. Knowledge
is the greatness creator.
#3. Average
performers resign themselves to mediocrity, thinking that the elite are somehow
smarter, faster and cut from a different cloth. I call this The Myth of Genius.
Don’t buy into it. Iconic producers have a different perception. They get that
genius and legendary is not the result of divinely-orchestrated talent. Nope.
It’s a lot more about focus, discipline, sacrifice, suffering, stamina and
ridiculous amounts of hard work. They get that rising to world-class is never
easy. But it’s always worth it.
#4. Average performers disrespect time. You’ll see them
waiting hours for a great table in a cool restaurant. They buy groceries when
everyone else buys groceries. They are often late and known for
procrastination. Iconic producers understand that time is a blessing. They use
their best hours for their most important pursuits. They have a clear written
plan for the next 10 years, 5 years and this year. They schedule their days,
knowing that structure is the doorway into freedom.
#5. Average performers use victimspeak. Everything is “a
mess” or “trouble” or “a problem”. But the words you use drive the energy you
feel. And to rise to exceptional, you need to tap into your natural reservoir
of massive energy. So iconic producers leverage their words to raise their
games. Their language inspires. And reveals the fact that–deep within–they view
themselves as captains of their fate versus powerless little pawns.
#6. Average
performers stop when they’re scared. Iconic producers press ahead when stricken
by fear, understanding that persistence is the DNA of becoming a game-changer.
And that bravery is the result of practice versus a natural gift.
#7. Average performers follow the crowd. Their dominant
focus is to fit in, be liked and receive tribal acceptance. Iconic performers
care not what others think. They’ve developed the confidence to think for
themselves. They set their own dreams, run their own values and march to their
personal drumbeat. That not only causes rare-air success. It produces enduring
happiness.
#8. Average performers are pleasure-driven. Everything they
do is about fulfilling their desires and feeling good in the moment (often done
as an escape from the pain of potential betrayed). Iconic producers are
purpose-driven. They are fuelled by their Mighty Why–that singular and gorgeous
vision of a bigger future that keeps them up late and gets them out of bed
early. They viscerally understand that the secret of passion is purpose. And
that once you articulate your why, the hows automatically present themselves.
#9. The average performer is pure consumer. It’s all about
buying and having things. Their self-identity is based on the brands, labels
and badges of the moment. Iconic producers care very little about stuff. What
stokes their fire has less to do with being a consumer and a lot more to do
with being a maker. For them, their compelling cause is all about using their
creativity, energy, talents and time to produce value that not only delivers
their personal dreams but makes the world a greater place.
I sincerely hope
these nine points inspire, help and serve your rise.
Your time really is now. My respectful suggestion: release all
excuses, reasons, rationales and resentments. Today’s a fresh canvas. A new
beginning. And your beautiful opportunity to step into the life you ache to
live…
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