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The Secret of Attracting Money.....!!!

What is the nature of money???

Why is it that only a handful of them have it all???

Why the majority struggle all their life and end up with just meeting ends even though having all the talent, knowledge and skills????

To get the answer these questions read the full article. And I am sure after reading this article you will gain something out of it.

Often the topic of money is not appreciated by the so called society. If some body talks about money all the time, people think that he is a 
greedy person.

My question to you is if u love a girl and think of her all the time, does that mean that you are a nympho maniac or does that mean you are just thinking about lust ???

The same way there is always a difference between love for money and greed for money.

There is no harm or sin in thinking about money, for it is just an idea. when you ll start having money in your thoughts and ideas , it will flow into your real life and make you prosperous and truely speaking it is a great pleasure and joy to think that you have lots of money and you are prosperous. :)

The more you become attached and obsessed with money the hard it becomes to manifest it, money flows into your life once you become detached to it.
 
The saying "it takes money to make money" is true, but not how you think. 
Money is attracted to money, but it doesn’t always have to be physical money that attracts money into your life.

Money is energy.

Everyone ought to be rich, there are many ways to be spiritual, and one of them includes money.

Money has been abused and misunderstood.

Money is not the root of evil.

So you may be asking yourself now, “Why don’t I have those things then?”

The fact is that, most likely, you don’t have those things because you haven’t let yourself be open to receiving them.

You have to begin to think and feel different in order to get something different.

It all starts with a vision of you being in a different life.

Now, it may be hard to imagine yourself with lots of cash if you’ve always had a problem with money.

But what if you begin to imagine what it would feel like if your neighbor had lots of cash? Or what would it feel like if your co-worker had more than enough money?

Sometimes it’s easier to imagine those kinds of things for others than it is for yourself, but what you end up doing for yourself is focusing on abundance.

And that’s the key secret…
By consistently focusing on abundance, you are consciously sending a command to your subconscious to start attracting abundance.

To Know more how on how create abundance and manifest your desires click on the below link.

http://hop.clickbank.net/?dedhia86/tsdc1129&x=moneymagnet

What is Claim Repudiation Ratio?

Insurers always play the game on Claim Settlement Ratio specially the King in the market boasts of having the undisputable claim settlement ratio.

Consumers are being convinced on this ratio by showing colorful numbers but the fact is one should buy an Insurance Policy based on the CLAIM REPUDIATION RATIO and not on CLAIM SETTLEMENT RATIO. Logic is as below.

Claim settlement ratio = No of Policy settled / No of Policies issued by the company 

AND

Claim Repudiation Ratio = No of Claims Rejected / No of Claims made

So as the insurance company grows automatically its Claim settlement ratio also improves.

But the fact remains that company has to be fair at the time of settleing the claim or it immensely affects its Claim Repudiation Ratio


Note – The information posted is issued in public interest and consumer awareness. Any individual or institution having any issues regarding the same can mail me at chintan.dedhia@live.com

Claim Settlement Ratio for Indian Life Insurers 2009-2010

Fuel price and interest rate hikes a Political Math....

On the one hand RBI is increasing the interest rates to make money costly which will tame demand and hence reduce inflation. And once the inflation tames Govt increases fuel prices.

The result of the two actions is as below

Interest Rate Hike By RBI to tame inflation	Fuel Price Hike by Govt in the name of deregulation
Results in increase in interest rates which leads to increased cost of borrowing, increased Home loan EMIs.	Results in shooting up of transportation costs making travelling by private vehicles dearer and increase in Rickshaw and Taxi fares as many of them still run on Petrol.
Result – 1.Reduced inflation, reduced cost of food and other daily necessities. 2. More outflow of salary per month to pay loans. Reduced food prices, but increased EMI amt.	Result – Costly Private and Public transport again draws a big hole in Common Man’s pocket, who even if does not have a private vehicle, has to suffer from increase in fuel rates due to increase in fares.

If the price of petrol stands at Rs 58.90, the break up of cost as calculated by the Indian Government is as follows - (Current break up is not available)

Basic Price: Rs 28.93

Education Tax: Rs 0.43

Dealer commission: Rs 1.05

Excise duty: Rs 14.35

VAT: Rs 5.5

Petrol Custom: Rs 1.54

Crude Oil Custom duty: Rs 1.1

Transportation Charge: Rs 6.00

Total price: Rs 58.90

Suggestion to government – I think govt should stop looting its citizens in the name of taming inflation. Instead of increasing the fuel and interest rates, govt can save a lot of money just by reducing electricity theft by 50% and reducing corruption by only 10% if possible and it is a simple logic which can be understood by a common man and we do not need any ECONOMIST to understand it!

- By Chintan Dedhia

Disclaimer - It is just a personal thought and the expression of the same by a mere analysis on the economic events It is not intended to hurt any person or institution .Any body having any queries please mail me at chintan.no1@gmail.com

Top 10 Most admired companies in India

Top 10 Most admired companies in India

1.     Infosys Technologies (Annual Sales of over $4 billion)

2.     Tata Consultancy Services  (largest Indian Outsourcer by Sales)

3.     Bharti Airtel 

4.     Larsen & Toubro (in deal to build nuclear reactors)

5.     Wipro (Global workforce of close to 100k)

6.     Tata Steel (Manufacturing units in 27 countries)

7.     Hindustan Lever (has more than 400 brands)

8.     HDFC Bank (Incorporated in 1994)

9.     State Bank of India (planning to add 1000 branches) 

10.  ITC (Wide-range Conglomerate)

Infosys Technologies is adjudged as the most admired company in India followed by TCS and Bharti Airtel in 2 and 3rd position respectively.

The ranking has broadly taken 5 different aspects into consideration.

§  Financial Reputation

§  Corporate Reputation

§  Quality

§  Innovation

§  Vision

Following are the individual ranking of various parameters:

Financial Reputation

With the biggest reserves and deposits than any other bank in India, SBI takes the numero Uno position when it comes to Financial Reputation. Reliance Industries, followed by HDFC bank complete the top 3 positions.

Corporate Reputation

Infosys Technologies known for its exemplary Governance and transparency in corporate dealing comes at top followed by 2 Tata companies, TCS and Tata Steel

Quality

Again with excellent quality of Software deliveries, Infosys takes the top position, followed by L&T and Bharti Airtel.

Innovation

Now this is a big surprise to me, TCS takes in the top position in Innovation. I always related TCS as a Volume player without much innovation, but I seem to be completely wrong here.

Infact, TCS is the most admired company for innovation, followed by Bharti Airtel and Infosys Technologies

Vision

With visionaries like Narayan Murthy and Nandan Nilekani at the helm, Infosys Technologies had to take the top position when it comes to vision. Tata Steel surprisingly  comes at 2nd followed by Reliance Industries.

UNCLE SAM HIT THE SUMO !!!!

Due to my academic schedules and my SEM III exams of MBA I could not write the blog. Please find below the continuation of the previous Blog( UNCLE SAM's CHINESE PROBLEM)

During the 1980s due to heavy Japanese exports especially that of automobiles flooded the US markets which led to the outflow of the USDs to Japan leading to surpluses with Japan and deficits with the US, thus US blamed JAPAN’s undervalued Yen for the US deficits.

The long running dispute between the United States and Japan throughout the 1980’s and early 1990’s over the value of the yen ended only when Japan’s economy entered its “lost decades,” which has made the Chinese determined not to repeat the experience.

But, based on Japan’s experience, the Chinese do seem to have good reasons to be wary of US pressure to revalue the renminbi. Indeed, the economists Ronald McKinnon and Kenichi Ohno have singled out US pressure for yen appreciation as a key source of the Japanese economy’s long-term deflation and stagnation – the so-called “lost decade” of economic malaise that is now well into its second.

Chinese officials agonize over the US pressure. If they yield to it, the Chinese economy, they argue, may fall into the same deflationary trap that ensnared Japan after the yen’s appreciation in the 1980’s – under US pressure – inflated a catastrophic asset-price bubble. But if they continue to resist, China may face hot trade disputes with the US, which could be even messier.

Like Japan in the 1980’s, China must defend itself from US claims that the renminbi’s weakness is the source of the imbalances between the two countries. Currency appreciation, Japan argued then and China argues now, is unlikely to result in a significant current-account adjustment, which requires addressing not only China’s high savings rate, but also low savings in the US.

What is the Lost Decade?

The economic miracle ended abruptly at the very start of the 1990s. In the late 1980s, abnormalities within the Japanese economic system had fuelled a massive wave of speculation by Japanese companies, banks and securities companies. Briefly, a combination of incredibly high land values and incredibly low interest rates led to a position in which credit was both easily available and extremely cheap. This led to massive borrowing, the proceeds of which were invested mostly in domestic and foreign stocks and securities.

Recognizing that this bubble was unsustainable (resting, as it did, on unrealizable land values - the loans were ultimately secured on land holdings), the Finance Ministry sharply raised interest rates. This popped the bubble in spectacular fashion, leading to a massive crash in the stock market. It also led to a debt crisis; a large proportion of the huge debts that had been run up turned bad, which in turn led to a crisis in the banking sector, with many banks having to be bailed out by the government.

Eventually, many become unsustainable, and a wave of consolidation took place (there are now only four national banks in Japan). Critically for the long-term economic situation, it meant many Japanese firms were lumbered with massive debts, affecting their ability for capital investment. It also meant credit became very difficult to obtain, due to the beleaguered situation of the banks; even now the official interest rate is at 0% and have been for several years, and despite this credit is still difficult to obtain.

Overall, this has led to the phenomenon known as the "lost decade"; economic expansion came to a total halt in Japan during the 1990s. The impact on everyday life has been rather muted, however. Unemployment runs reasonably high, but not at crisis levels (the official figure is a little under 5%, but this is a considerable underestimate - the real level is probably around twice that). This has combined with the traditional Japanese emphasis on frugality and saving (saving money is a cultural habit in Japan) to produce a quite limited impact on the average Japanese family, which continues much as it did in the period of the miracle.