Financial Planning by Kalidas
In continuation of series – How to Invest into anything – this is in fact extension of previous article on Zero Coupon Bonds. The Author educates the investors how such instruments come to help in planning everything in their life – education of children, wedding, business, buying of property, retirements, and also division of family wealth in case of disputes Read more…
Anil Selarka (alias Kalidas) as part of his campaign series to educate the investors of various investment products, e,plains in layman’ terms the concept of Zero Coupon Bonds – considered by the author as Best Investment Product for individual investors. Zero becomes Hero, is what he says. He also says that while there are limited high yielding Zero CPN Bonds are available (such as South African Rand Zeros), a time is going to come within ne,t 18 months similar high yielding products in USD, GBP and EURO hitting the market as the financial crisis getting deeper and deeper (let those idiots in Washington and Fed say whatever they want). Wait for those opportunities when they arise in your countries.
This is part 5 of his New Series – How to Invest into Anything?. Part 2 of Zero coupon (Part 6 of overall series) will appear 3 days later. Read more…
This is continuation of series “How to Invest into anything?” This part SR04 deals with relatively simpler products like Bank Deposits. However, the important part of this article is to teach the investors how to invest even into bank deposits. The author shows implications of many important process, and also explains in very simple terms what an Individual investor should do in such circumstances. He also explains how the Investor reduces his wealth by using plastic money, and how he can become prosperous by intelligent savings. The author also shows how to use Recurring Deposit to build real wealth with common sense planning. Meanwhile, please read more
This is continuation of previous article (Series 2) of How to Invest into anything? The previous article was preparatory whereas this issue deals with specifics. Often we see in the investment world is not true. This is why many predictions of experts and pundits go wrong. The art of investment is similar to “Art of War” where an Investor is a soldier. He has to deal with the situation as it comes. No planning helps,whereas some core understanding does guide the soldier, that is, an investor. This article is more directed at the individual investor who is relatively less equipped to deal with complex products such as ETF, futures, options, derivatives, leverages etc. The author’s emphasis is to let the investor make the most money through discipline and simple understanding. An individual does not have delve into complexities when he can as well make same or even better amount of money by following simple strategy. This is why Author reminded his father’s wisdom – “When one needs to use common sense, he should not waste his intelligence. It can be put to better use later on. Read more…..
As extension of his new Primer Series – How to Invest into anything? , the author starts with most primitive form of Savings and Investment – Gold. He contends that his research on gold indicated that United States has frittered away most of its gold in either hedging or shorting operation. Although the gold is physically held by US, the true ownership lies elsewhere for about 6297 tons of gold. (in his new book – Sub Prime Resolved – Chapter 14 He therefore feels that the gold prices could go through the roof when this reality hits the major hedge funds and large investors. In this primer, he outlines the true value of gold investing, and goes on to describe each product variation in brief details. Why should one invest into Physical gold rather than in derivatives or paper gold, he is very specific. The present financial turmoil has not ended, and if one invests into some paper assets lying with brokers or banks who may fail, there is no recourse available to investors to capitalize on massive rally in the offing. Read more… you will learn about gold more than you already know
The author teaches the Investors the basic art of investing. He tells him how to, where to and when to invest into anything. He exhorts the investor to prepare themselves mentally before they dabble into investing. This is a first introductory chapter. The whole seris will deal with plethora of investment products from Property to gold, stocks to bonds, commodities to derivatives by explaining all basis, pitfalls and potential rewards. However, the most important thing is the mental set up. Investment is a mental game, he says. Read further
This is a sequel to Satyam Scandal in India. The author investigates like a forensic detective where the Auditors went wrong and how could they have missed the mountain and searched for a mole. The fraud could have been easily detected by the Auditor Price Waterhouse, India Chapter, which is part of Price Waterhouse Coopers, USA. The author points out exact mistakes committed by the Auditors. This shows the inadequacies of the accounting standard. While Investors depend on the Auditors for proper accounts so that they are not taken for a ride, the Auditors behave negligently and certify most of the accounts of listed companies based on relationship with the management or some other considerations .
The present credit crisis is getting out of hand. President Obama has to do something very fast. His good oratory will certainly help people gain confidence but it can easily evaporate. Target specific actions are required. Merely trying to help the defunct banks is like throwing good money after bad money. It is time to preserve what is already in good condition and discard what is bad or worst. The author describes a game plan and step by step strategy to de freeze the credit and get the economy rolling again. It will work. The author who has written a book called “Sub Prime Resolved” is nearly ready and will be published soon. It contains complete step by step solution to entire range of crisis. It is in fact a “Bible of Economic Recovery of United states.
Recent terrorist attack in Mumbai killed over 125 and injured 300. It was most brazen act equated with 911 on United States. This has promoted call to curb the Islamic terrorism in its bud and address the challenge to do what has not been done in India over 60 years. Things have changed in last 6 decaldes, aspirations of the people also changed. The modern India needs modern constitution. The old constitution lived its life. It is time to change it completely. Author critically evaluates entire scenario that have long term effect. Read the article.
The Author applauds India’s top Industrialists – Ratan Tata and K M Birla. They became victims of the credit crunch that severely dented viability of their overseas acquisitions such as Corus, and Jaguar (in UK by Tata) and Novelis (by Birla). The author appeals to the Prime Minister and Finance Minister of India to help these great industrialists from India’s FOREX reserves of $300 billions and save these vital groups from dire distress. India’s forex reserve should be used for Indians first and others later, the Author argues.