Emerging miscellaneous relationship in Tamil Nadu

It is labyrinth for guys who are going through this article, especially who are traditionalist or conventional thinkers around India. There are many more things which are happening around us for past two decades due to information technology. Globalization brings more and more cultural mixtures under one dome. It is indeed a pleasure to see multiculturalism in India. Technology brings the inconveniences of being so close yet we enjoy the privilege of closeness that our ancestors never imagine. There is a well profound euphoria arises these days due to the advent of technology which revolutionized our life once for all. For every good thing there exists always the negative side.

Mobile phones and relationship patterns:

Urbanization of a village or a town is vaguely interpreted by how the mobile-phone connections are circulated. Though business and relationships are nourish because of that, it is imperative to consider that there is an another part of a prism exist. Never before in the history, the seducers are proliferating day by day. To be honest, innocent girls are the victim in the hands of mobile-phone seducers. Spreading female phone numbers are becoming very common these days among the college goers and to the extent in offices too. Girls are making themselves vulnerable in the name of liberality. It’s not a trans-national culture or something like that. It is purely a behavioral thing which we need to be address. None cannot abnegate the truth hidden underneath in it. Propensity of general public is to accept this gullible sin. Don’t view this matter with western spectrum because it is nothing to do with culture. Even good girls and house- wives who are not easily subdued are forced to do it so. Examples are countless to explain here. Millions of girl’s chastity is at stake here. Indian tradition holds high value, don’t derail it. Girls are relentlessly tormented by these heinous torpedoes. Insane girls fall prey eventually.

Anecdote:

Bubbles are waiting to burst. We are going to witness one of the worst relationship disaster in contemporary history. People who think this as a moral policing are themselves to be blame. Whether u like it are not, people will realize when they directly affect by this scenario. In one case mobile-phone seducers are efficient enough to seduce a police woman. So status and position in the society will not be the protecting shield against these enigmatic offenders. These peoples may so nearer or dearer to u, a person who holds high moral values are the one who can escape from this menace. I don’t think government intervenes in this matter. Pertinent solutions are yet to be found so awareness is the key here.

Points to escape from the offenders:

A) Don’t chat with strangers.

B) If anonymous callers crossing the moral line, seek your parent’s help.

C) Vulgar smses are should not be taken in to consideration.

D) Be bold enough to retaliate.

E) Seducers may kindle your innate sexual desires, beware of that.

F) Avoid strange calls as far as possible.

G) All independent women cannot be Indira Gandhi or Jhansirani, so accept your limitation.

H) Above points are for whom consider chastity holds priority, for others go ahead and enjoy.

I) Don’t be the victim of niche, it can backlash when u be least expected.

Summary:

Being under the shadow of a family is not a constraint anymore. Scientifically psychic nature of a female is to be seduced easily one way or the other. So being rebellious is not a problem unless it affects your future significantly. It’s never too late for females to cover under the shadow of males via…. Father, Brother, Husband, Son…. of the all, honesty to family and its values is the ultimate shield against the debauchees.

Recession hits the indian dreams hard!!

Recession is no more related with commerce and corporate terms, it is just more than that affecting lifestyles, relationship etc... Aspiring students of prestigious institutions and studies are now unemployed. Inspirations are now turn in to frustrations. pupils whom are pursuing flashy gadgets or planning an expensive trip to pleasing destinations are just called off thanks to recession. The worst amongst the all is flirty relationships with neighbors and friends. Because money is one of the major constrains in maintaining the relationships, no longer love and affections are the key ingredients for a relationships.
We can just condoles for the people who lost their jobs, wages cut etc... But what it hurts more is whenever our our closest are affected by this scenario. pupil having brilliant academic records are now satisfied with low profile jobs. Making both ends will will be extremely difficult from there on.... Pupils who just completed their happy final years are now realizing the harsh reality of unemployment. Their dream of getting high profile jobs are getting diminishing day by day. These pupils turns peoples are now facing stiff competition against "lay-offed" veterans. May their dreams will be rejuvenated and revived by the end of the next fiscal year(expected) . Right now optimism is alarmingly low.

The rise of difficulty:
Legalizing LGBT's rights(so called), hiked oil prices, rising unemployment rates, low GDP growth, cross border terrorism, dubious weather, unhealthy political practices makes the life in India very hard. Now only the fittest of the survival only survive!

Ways to find good company in BUFFET's way

Picking a good company to invest is not an easy job to done in a profitable manner but if we want to be successful we must master that art so initially i suggest to follow the veteran WARREN's way to be followed because perhaps he is the best investor that the world ever known. Many aspiring investors think that buying stocks blindly based on ‘recommendations’ from others who claim to be ‘experts’ either on a newspaper, magazine, T.V or brokerage report, is ‘stock picking’. If you have still not learnt a lesson despite having lost significant amount of money already by following this technique, then reading ahead is probably too much effort that is not worth it anyway. I guess some things never change, as the 18th century philosopher Georg Wilhelm Friedrich Hegel once said - “We learn from history that we do not learn from history”.

For the others that want to really learn how to choose stocks on their own and are willing to do a little homework before plunking down hard earned money, who could be a better teacher than Warren Buffett? - The most successful investor in the world with a 40-year track record of picking stocks (and buying companies) that have generated average returns of 20% p.a (this definitely questions the credibility of the lofty claims that some of our own ‘experts’ make about generating 50%-100% returns p.a.). His approach to investing is one of the few out there, that can be termed as ‘simple’ (not to say that it is ‘simplistic’ by any means, else everyone who follows him would have become billionaires!). But, there are many who started with a few thousands worth of Berkshire Hathaway (the company run by Warren Buffett) shares that are now worth many millions. Wouldn’t it be great if you too could learn his approach and apply it to investing on your own? Actually, as utopian as the goal may seem, all the tools required for practicing investing like Warren Buffett are readily available and supplied by Buffett himself. Yes! I am talking about the letters written by Warren Buffett to his company’s shareholders every year dating back to the 1970’s. They can all be downloaded free of charge from www.berkshirehathaway.com. (psst! I happen to have some of the earlier letters that are not posted on the website, incase anyone of you is interested). These letters lay out pretty much everything that an investor needs to know including what mistakes to avoid - by learning from Buffett’s own mistakes, which have been thoroughly analyzed by none other than himself.

Buffett Philosophy

Buffett’s investment philosophy is based on ‘Buying good companies at bargain prices’. Let’s take the first part – ‘buying good companies’. How do you identify a good company? Is it the one with the highest sales growth? Highest profit growth? Highest profit margin (i.e.profit per rupee of sales)? Largest market share? The list can practically go on and on given the number of financial ratios available. But, what is ‘the’ most important parameter that helps gauge how good a business is? Before I introduce what I like to call ‘the God ratio’, let me ask you a question. What do you ask for before you put your money in a fixed deposit? It is probably “What is the interest rate offered?” i.e. “What is the return that you are going to get?” right? Well, businesses can also be benchmarked in a similar manner based on the returns they generate.

Assume you have inherited Rs1 crore, you have an opportunity to either start a business using the capital or invest the amount in a fixed deposit. You have two business ideas - one is a restaurant and other is an ice-cream parlour. After detailed research, here are your findings. The restaurant business is expected to generate Rs. 10 lks profit per annum. The ice cream parlour on the other hand is expected to generate a profit of Rs 15 lks per annum for the same investment amount of Rs 1 crore. The third option is to invest your money in a fixed deposit that will pay you an interest of 9% p.a. Which option would you pick? Obviously the ice-cream parlour, right? Why? Because it offers the highest return-on-capital i.e. 15 lks / 1 crore (15%). This is higher than the 10% offered by the restaurant business and also higher than the 9% that you would get from the FD option. According to Buffett, it is this ratio – the ‘return-on-capital’ (‘the God ratio’) that sets apart a good business from a poor one.

Fast forward into the future: your ice cream parlour is in its fifth year of operation but unfortunately you have never been able to generate more than Rs 10 lks per annum profit (i.e. 10% return-on-capital). You have tried everything you could but you just can’t seem to get the business to produce a higher return-on-capital. You look up the fixed deposit rates – they remain at 9%. What would you do? If you were a rational businessman, you would rather sell the enterprise, park you money in FD & relax, while still earning almost the same profit!

To summarise, it doesn’t pay to be in business, if the business can’t earn in terms of return-on-capital, a rate that is higher than what you could otherwise earn by just parking your funds and receiving interest at almost zero risk. So you may ask, what is the ideal return-on-capital for a business? 15%? 20%? or 30%?

Actually, I don’t know! It depends on your level of risk aversion. After all, businesses carry a higher risk than FD. So it is fair to expect a higher return. My opinion is, the return-on-capital from a good business needs to be greater than 20% p.a.

What’s so special about high return-on-capital companies?

Not many listed companies in our country have a track record of earning more than 20% return-on-capital. But still they continue expanding, by hiring more people, opening more branches, spreading abroad, acquiring companies larger than themselves using debt and just growing mindlessly, sometimes even faster than their competitors that earn higher returns on capital. How are they able to do this? The answer is…by raising more and money from the public or from other investors who are too enamoured with the ‘growth story’. But is such a growth that depends mainly on raising more capital but produces low returns on the capital, sustainable? Probably not. Even if it does, it is never going to produce above-average long-term returns to the shareholders. Because, over the long term, return on your investment in a company’s shares depends on the return-on-capital that the company generates for itself.

Companies that ‘consistently’ achieve a high return-on-capital can be considered to be ‘fitter’, as they are likely to have long-term advantages of some kind. This advantage protects them from competition and helps them continue to earn above-average profit by using relatively less capital. If you are a long-term investor who wants to buy and hold stocks, it is these companies that you want to own shares of. Having said that, you need to note that there is a gap between a good company and a good investment – it is called ‘price’ i.e the price at which you buy the shares of the company. In my forthcoming articles, I will discuss simple techniques to compute the return-on-capital for a company and to arrive at a bargain price for acquiring shares of companies that have a track record of ‘consistently’ generating high return-on-capital. This combination of buying above-average companies at below average prices will help you to reap above-average return on your investment for many years to come. so peoples better to follow him is the best initial option.