Current World Problems

1) Energy creation/transfer not Energy efficiency.
2) Water availability or creation of demand.
3) Creation of urge or feeling.
4) Entertainment at no expense.

Pension a.s.a Mazdoor

I have not been a business man, neither have my parents/grand parents/andabove

Been a worker, lifestyle styled around monthly income.

I am a private employee --> high salary, faster burnout, riskier job profile, dangerous road ahead, NO PENSION


Govt of India has set the lowest salary as 5000pm (~may be a few hundreds more) for govt servant code name Mazdoor, under the 6th Pay commission.


One way to get that much is to buy companies which pay dividend consistently.

Answer - PSU Banks

2012-2013 - The Dividend paid by Indian PSU banks is close to 4~5% of market price, which means I have to invest 16L to get a dividend of 60K per annum.
2013 post June, the Banks have been hammered to a level where the Dividend payout of last year to CMP is around 9~10 %.

I have bought Indian PSU and others this year and I am proud to join the Mazdoor fraternity.

1)   Indian Bank
2)   Syndicate Bank
3)   Dena Bank
4)   Andhra Bank
5)   Union Bank of India
6)   Bank of India
7)   IOB
8)   Corporation Bank
9)   Tata Investment Corporation
10) Tata Elxsi
11)  IndiaBulls Securities (40% dividend paid in 2012-2013 -- un believable!) 

Achieved. What next? Risky investments expecting returns to match my salary by next year.

Projects for future (future should come ;) )

1) What do genes carry?
2) How do genes get information packed?
3) How do genes information gets activated?

4) When does the next gen impact made?

P2 - lifestyles

I choose to live like a monk one week
I choose to live like a millionaire one week
I choose to live like a wolf one week
I choose to live like a mouse one week
I choose to live like a snake one week
I choose to live like a lover one week
I choose to live like a Devdas one week
I choose to live like a brat one week
I choose to live like a kid one week
I choose to live like a dad one week
I choose to live like an old man one week
I choose to live like a singer one week
I choose to live like a writer one week

Who am I ? a writer ;) this week

P1 - Opulence Vs Maintenance

My Take -

Grandeur to be provided for person/group who will be paying for its maintenance.

          Inferring from that statement above - No establishment either public or private spend on non permanent architecture as the costs will bring the house down in a downward spiral.
          If setup, then its imperative to insist the person/group enjoying the luxury to pay up the cost of establishment and partial cost of maintenance, factoring in the deterioration.

Stock Fundamentals or POINTERS

1) Market Capitalization
2) Earnings per Share
3) P/E (current market price per share divided by earnings per share)
4) Sales
5) Gross Profit
6) Net Profit
7) Share Holding
8) Net Profit Margin
9) Book Value
10) Dividend (giving or not and against current market price)
11) Total Debt
12) Credit Rating
13) Assets (not including secured/unsecured loans)
14) 52Week High/ 52 Week Low
15) Life High/Life Low
16) Current Market Cap divided by Sales
17) Current Market Cap divided by Net Profit
18) Group Market Cap divided by Current Market Cap (80:20 applicable?)
19) Group Net Profit divided by Net Profit (80:20 applicable?)
20) Nature Of Business (future ready?)
21) Employee costs
22) Circuit Limit
23) Block Deals
24) Share Holding Pattern changes
25) Information widely available?
26) In News for wrong reasons?
27) Too much Goodwill?
28) Dependent on only one man? (Tata, UB, Birla, Apple)
29)


Help me, i have to reach 40.

Paleton and Breakaway

Tour de France is a spectacular event both for cyclists as well as viewers. Free view of country side/city side of the lovely country.

One more line about France and I am very sure we both will be driven into an unbelievably long and exciting journey down the memory lane or glamour lane or some other beautiful lane. Let me take a de tour.

The race is consistently similar to the current human race. A rat race at all levels. Take a champion, and there are a hundred events for the championship in that particular sport. Take a President, and there are a two hundred presidents in the entire world as I type. Even God is not spared in Hindu mythology. There are Three crore + deities. Reaching a milestone is going to again show more contestants or contests.

It would be a cliche if I say rat race is silly and participation is sillier.