Different Ways To Invest Money .......

Once you have understood your investment goals and how much money you need to meet your goal, you need to understand the deeper bits and choose the right ways to invest money. Most analysts often advice people begin investing in common ways to invest money like stocks, bonds and sometimes even in property from the first years in business onwards. The simple reason being the compound interest that you will gain in the future years by your present investments.
There are thousand ways to invest money that you can choose from and most of the times these could often leave you in a very daunting position. Searching for the right investment that interests you and pays you the desired interest rates annually is not a trivial matter. It is imperative that you choose a long-term wealth plan that has good rate of interest returns on your investment.  In this process of deciding between different ways to invest, you could also be posed with a situation where you need to park your investment money in some other investment till you gain enough of profits from the temporary place.
There are several ways to invest money. Some of the most common sought after short term ones are as below.

Savings account

Although the rate of interest on savings account is not all that great, and in the last few years have only fallen further because of the global economic crisis, yet the savings bank account has retained its traditional position among the ways to invest money. The savings bank is much better mode of investment and earning some interest rather than earning nothing by putting in pennies in your piggy bank.

Money market funds

This is an excellent type of investment and is basically a special type of mutual funds that you can invest in for a short term bonds. This is nothing like the mutual funds that use the money in the market funds and are said to be worth $1 most of the times. The interest rates in a money market fund as against the savings account is however much better, although you cannot compare either of these ways to invest money to the earnings from certificate of deposits.

Certificate of Deposit

This is very popular among the different ways to invest money. The interest rate that you earn on Compact Deposit investments is almost the same that what you would expect from any other intermediate or even short term bonds, however it all depends on the duration of investment. You get your returns on investments till the time your CD matures; once it matures you get back the accumulated money along with the money you had originally invested. Usually when you invest money in CD’s you are assured of an insurance that is about $100,000.

There are also long-term ways to invest money like;

Stocks

By a stocks investment you buy part of that particular business. It all depends on how well that particular business does, if incase that business crumbles you would stand at a loss. However if you choose investment in a business stock that is playing well in the market then you stand to gain as well. Long term stocks are gambling, nevertheless they are popular among other ways to invest money.

Bonds

These are also known as fixed income securities; this is because you get a fixed amount of income from the bond that you invest in annually or even when the bond is sold. Bonds are not very different from CD’s however these are issued by the government or corporations.

Mutual Funds

Mutual funds are among the popular ways to invest money. You allow the investor an investment in stock, bonds or any thing that they decide to invest in which could be worthwhile. You basically give your money to someone else to invest who knows the market inside out while you reap in the investment benefits.

A few words ....on Mutual Fund Investments......

Ultimate destination of mutual funds are -->
1. Equity Funds.
2. Debt Funds.
3. Balanced Funds.

• Equity funds are mainly equity shares or equity stocks. Here risk is more cf. to other avenues, but produces better return amongst all. If funds are invested in a planned way. (NO RISK NO GAIN).
• Debt funds basically includes governmental & non-governmental debt-papers, mortgage papers. Here risk is less than equity funds (shares, debentures). At the same time return is not huge like equity funds.
• Balanced funds are those funds where there is a combination of equity funds as well as debt-funds. Here the funds are invested according to the risk-profile of equity funds as well as debt funds. Here risk & return both are average. This can be more secured & safer destination of various mutual funds.
• For short-term maturity period one-time investment can be a good choice. But for long-term (may be for 3 yrs or more) maturity period, SIP (Systematic Investment Plan) can be the best choice I think. Because here you need to pay premiums at a regular intervals as per your investment-policy rules. Here the investment is distributed in order to minimize the load of paying heavy amount at a time. Investment payments are made in an arranged risk-return ratio.

Hot Topics for GD (Group Discussion / General Discussion / Debate)

• India is emerging as the 2nd most economic powerhouse of the world, where 80% of the entire population earn less than Rs. 20/- per day. Share your views regarding this paradox.
• Endless corruption in government ( viz. Commonwealth Games 2010, Adarsh Nibash Land-Scam, 2G-Scam of telecom spectrum worth Rs. 1.76 lac crore (if not more), Purchase of Votes during confidence voting by MPs within parliament etc. & many more) is going beyond anyone's imagination. Justify the investigations made by various central government agencies (viz. ED, CBI, NIA, IB, CEIB) regarding the scams that are crept inside government itself.
• Justify the frequent interferences of judicial systems including apex court in various administrative as well as non-legal issues. Do you support it ? Don't you think that it's going to weaken the basement of parliamentary democracy in India or do you think it is required sometimes ? Do you think there should be a barrier somewhere, so that different autonomous bodies can peacefully run without crossing each others' boundaries ? Also explain the role of media in this respect.
• Isn't it questionable that MPs themselves will decide their own pay packages ? How ridiculous it is when somebody compares it with the highly qualified bureaucrats ?
• Environmental degradation by means of unregulated deforestation, illegal hunting of conserved animals, scarcity of vigilance in various sanctuaries, corrupt forest-officials, indifference of proper maintenance of existing infrastructure & roadblocks for expansion of the the existing infrastructure and consequent erratic changes in climate & its detrimental effects. Share your views.
• Justification of a recent verdict passed by Hon'ble Delhi HC on the legalisation of same-sex marriage. Do you support it or not ? State reasons for/against this verdict in support of your answer. 
• Reality Shows on various TV channels - Its future & aftereffects.
• Advertisement - A Necessary Evil.
• Daily soaps in TV channels - Necessity & Credibility.
• Reservation (Quota system) in every sector - Justify with strong reasons.
• Pollution of all forms - natural as well as man-made - responsibility of a sensible citizen & how we bestow this legacy of responsibilities towards our next generation.(Citation should be included as for the review of the matter).
• Consider the scenario whereas US Govt. has decided to minimize the amount of outsourcing in order to create more jobs for the native Americans is actually hitting the growth of employment opportunities in India as well as around whole the south-pacific regions, on the other hand Indian entrepreneurs are setting up more and more industries in America thus creating jobs for Americans. Share your views & throw some light in this regard.
• Many of young generation want to lead a child-free life. The new generation is nowadays thinking in an unconventional way which is beyond the way their forefathers even dared to think. Are they trying to avoid responsibilities ? or there are valid reasons behind their choice/decision. Should the elders respect their children's attitude towards life ? What is your standpoint ? Share your thoughts.
• Love Marriage vs Arranged Marriage.
• Should the public sectors be privatized ? Discuss it along many threads.
• Justify the utility of nuclear power-plant even after the recent historic nuclear disaster in Fukushima, Japan as an aftereffect of earthquakes & tsunamis. Discuss its merits & demerits.
• Effect of western culture in Indian youth.
• A country where 46 crore people cannot afford food twice daily can easily show the luxury of celebrating IPL tournament every year where billions of dollars are invested. Justify this matter from different perspectives.
• Discuss regarding a hot issue that whether casting of vote in general election should be made mandatory and brought within the obligations of the legal framework.
• Do you think celebs who are public figures owe a general responsibility towards the society because their activities and behaviors heavily influence the modern youth ? Opine in this regard.
• Consider the situation where Govt. had to surrender in front of the demands placed by social activists like Anna Hazare and his fellows regarding the making of the draft of the Jan Lokpal Bill and table it to the parliament. Do you see it as an achievement of the democratic rights and will strengthen the voice of common people OR you think it in other way around i.e. it will ultimately weaken the parliamentarian structure of democracy and pamper the emergence of a parallel power-structure which is a matter of grave concern ? Share your views.
• So far till date, in Indian history no other such incident had happened where a justice named Soumitra Sen (Former Hon'ble justice of Calcutta High Court) had to face an impeachment process in Rajya Sabha after being alleged of misappropriation of money thereby diluting a case. How will be the repercussion on the judicial systems as well as among the law professionals. Share your views.  
• Where China is evolving as a SUPERPOWER  OF THE WORLD, it's been a strong headache for India because the bilateral relation between these two neighboring countries is quite at stake. Everywhere, specially the strong presence of armed-forces, regular surveillance at the LOC might indicate nothing good for India. Do you think it might endanger India's sovereignty ? What do you think ? What do you suggest the government for betterment of situation ?

An HR Questionnaire ...... for Interview .........

 

1. Tell me something about yourself.
2. Why should I hire you ?
3. Why do you like to join this company ?
4. Tell me your strengths & weaknesses. (TRICKY).
5. Tell me about your plus as well as minus points. (TRICKY).
6. Where do you see yourself after 5 yrs. from now ?
7. What are your short-term & long-term goals ?
8. PST (Problem Solving Technique) on puzzles, riddles, short mathematical problems etc.
9. How do you feel talking to me ?
10. What are the preferable genres of work ? In which fields you wish to work ?
11. Can you differentiate between a debate & a GD ?
12. If you are given 5 problems together, what will be your approach to dissect them ?
13. Family or career, which one is more important to you ?
14. Are you willing to relocate, if you are given a chance ?
15. Give me an example where you played the role as a leader (LEADERSHIP SKILL TESTING).
16. How many times in your life you have taken risks and became successful at the end of the day & what they are ? (RISK MANAGEMENT SKILL TESTING).
17. How many times in your life you have taken decisions going against your family members and became successful ultimately ?
18. Are you from a nuclear family or joint family ? (RESPONSIBILITY SKILL TESTING).
19. What are your passions ?
20. Have you any questions for me ? (INTERVIEWER ASKS INTERVIEWEE).
21. Tell me something about your previous professional experiences (if any).
22. Why did you leave that company ? (if you had) (TRICKY).
23. How do you see yourself & what is the approach to your life ?
24. Do you want to pursue higher studies if you are given a chance ? In which domain & why ?

Some Points to Remember when Writing / Authoring Something / Some Article .............

 Important Points:-

• Do not write anything whose subject-matter is directed towards racial / caste / complexion discrimination.
• Do not comment in such a way which hurts someone's religious sentiments.
• Do not make comments(without proof) in such a way against someone or some body/institution for which you can sued under Defamation Act by judiciary.
• Do not make derogatory comments against handicapped / minorities.
• Do not make derogatory comments against one's sexual orientation. Everybody has the right to think in his/her own way.
• Do not write anything which indulges violence or creates law & order problem.

A few words ... little bit freaky .......... from my hatch .......

Hello and Welcome,
Since few days I've been brooding over some weird thoughts. I don't know why. That's the purpose of this post. Before being more puzzled, let me express my views & I think I must share the things I've learnt and realized so far. It might sound little bit harsh, but I'm sorry.

In this present scenario, when our country is emerging as one of the strongest economic powerhouse of the world and ushers a new horizon to the rest of the globe, it is very important for the people to come forward and take necessary responsibility to play a significant role by taking part in this developmental process. But we, the so-called responsible and sensible citizens of India are noway  interested in hearing that. The so-called civil society is ostentatiously worried about the erosion of moral values and respects, specially when the entire society became paranoid and acts like a reptile. But has anybody tried to find out the reason behind this sort of mentality? What made us think in a so rude or rather self-centered way? Nobody can answer it. Because India is such a country where population is 121 crore and increasing in a rapid rate. There is no solution. A country where ministers and MPs are accused of money laundering over 2 lac crore (if not more). A country where cancer of many forms is going to emerge as an epidemic in the coming few years. There is no solution. There is no campaigning. 80 crore of people earn less than Rs.20/- per day in the 2nd most developing country of the world. A country where baby-food is costlier than mobile phone. A country where cars are huge in number as compared to roads. Above all, there is deep recession as an aftereffect of global economic meltdown. There is cut-throat competition in every sector because of the population and situation is getting even worse because of reservation in every sector. To survive in the keen competition, you have to be tricky. Focus to the goals are most important thing I think. Goals are more important than the way you achieve it. Yah.. morality is good as long as it works for you. But nothing is good if it doesn't work for you and anything bad might be good for you if it works for you. "Good" or "Bad" is absolutely relative. You can't always take the right decisions, rather you should always take the decisions and make them right. You just have to love yourself. That's it. This is not a kinda vocal tonic or anything else, that's the reality. You might be technically at par always, but you know, there are always required certain subtleties which you can call x-factor or zing-factor that actually makes you different from others. You can reach upto certain level by your academic skills. But to go beyond that limit you need to cultivate yourself. Secondly, another thing I need to point out is the treatment the guardians should provide to their children. You have to understand that ultimately nobody is your friend in the professional arena. In the era of rat-race everybody is running after his/her own targets. Less no.of people become happy watching you succeed, and more no.of people become happy watching you fail. Now you decide, what you should do. Over-possessiveness is kinda of mental blocks among the guardians which ultimately causes harm. In research, it has been seen that overprotective children ultimately suffer emotional insecurity and identity-crisis. Because in every situation if guardians interfere and take decisions for their children, then no decision-making capability will be built up among the children which is utterly necessary in professional world. In other way, one needs his/her family-support to do really something big. Because, no risk..... no gain. The more you take risk the more you reach closer to gain success. So, risk management is another important thing. Another thing is stress management. The person whose adjustment and adaptability skills are better than the other will ultimately survive. Decision making is a mental game. To become mentally self-sufficient, you have to face the situation and have to take decisions on your own. That's the way one grows up and becomes fit for every situation. As it's a kind of war, so nothing is unfair in love and war.

Thank you for taking time reading this post ............ See you soon ................