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Healthy Infos

Terror terrors market.

Written By Vignesh on Saturday, November 29, 2008 | 12:22 PM

Market may be affected

DALAL STREET, has a chance to go weak. Due to the terror attack in sub continent there is a chance for the stock market to get weak as the stock exchange is also set up in MUMBAI where attack had happened. This attack has a greater chance to shock the countries financial position, are the words given by experts.

The market may open in weak note but its not going to get closed on the same weak note. Even at the time of train bomb which killed more than 150 the marked didn't fall it was just a short of expected and it did not fall completely.

we must also note that the economic environment in 2006 is different from now. As this attack was aimed at foreign people, the market may have a sharp reaction. Both the place of trade was kept closed on Thursday as a notice said due to terror attack its better for people to say home.

psychological impact will surely be there on investors and the market may open on a weak note but its not going to remain the same. There are chances for the market to open in a dull way but there is no chance for the market to fall, there should be a positive impact on the market at least from Monday.

There is a chance for foreign investor to stop investment as of now, but surely this is not going to prevail more than a week we suppose. The impact of this attack will surely be seen clear by next week

Considering all the above conditions, i feel that there are very less chance for the stock market to get down, but there are chances for market to open in dull way. Which ever way it may be surely problems are on we must find the ways to solve them.

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RBI relaxes...

Written By Vignesh on Thursday, November 27, 2008 | 12:22 PM


Reserve Bank of India the controller of the banks in India is now thinking to relax its restriction on the other commercial banks. This seems to be a good and healthy sign of the development of banking sector in India and hope to get more foreign exchange investments in banking sector.

Banks in India(including foreign banks)need not wait for Apex bank of the nation to approve its new branch opening nor wait for its license to open a new ATM.This is the on going discussion in the minds of central bank of India.

A larger part of the finance department is with the view that both Indian banks and foreign banks must be treated equally. so that its easy the for sub continent to meet its unmet ends in the field of banking.

We should give equal rights to foreign banks and instead of waiting for other nations to do the that we easy attract more investors so that purpose of banking to attract investments and to lend loans happens very easily.

Same time, I hope RBI will vest its power to control the commercial banks so that it can easily control the banks if RBI finds commercial banks to be out of their way. Most attractive feature of this is it can easily liquidate money so that it will help RBI to handle the financial crunch.

RBI circle says that liberalization of banks is has been suggested by various panels including the very resent RAGHURAM RANJAN panel. RBI also speaks that, this is not a way to address the present financial crunch.

Another information form the side RBI is that, this is a way to have healthy growth and good competition. RBI can have the right to impose restriction for some reasons and this must be an exception and not a norm.

This relaxations may find an improvement in banking sector. Like those banks which have a lot of branches in south can concentrate its improvement the other part of the nation.

A notable point is that this relaxations may not have much impact now because most of the banks now are facing a major financial problem. This will have a great use after the time of recession, it will also prevent banks form falling into deep recession, as we saw that those banks which have a lot of branches didn't fall in the trouble of recession as compared to those branches which had less number of branches.

This is one way to have a good banking facility in rural areas. This relaxation has paved many ways of development and seems to have a good sign in banking sector. Might be its one good step taking by the central bank improve banking and also to have investments and to make the basic purpose banking easy. I feel this step will take banking facility as well as banking sector to have a good growth.

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Lending Rates Forced to Cut For Private Sector Banks

Written By Vignesh on Wednesday, November 26, 2008 | 12:17 PM

Reducing Lending Rates - Private Sector the Sufferer

Due to high competition in the Public Sector, the Lending rates of the private sectors will be reduced sooner. The Public Sector banks have reduced their Lending Rates by 75 Basis points. This has been altered by giving personal loans, Home loans etc. by the public sector Banks to the needy.

This has become an important measure for the Reserve Bank Who, should get recollected when they do a move in this Regard.

Alike the Public Sector Banks the Private Sector Banks should also be shown some interest in reducing their Lending rates.

Mr. P. Chidambaram, Finance Minister has given an added opinion about this Situation as not to blame the Private sector banks. The Private sector Banks has its own reasons for this level of cutting the lending rates, but he did not comment on those regard.

The Fast improvement in the Public sector Banks by slashing the Lending rates to 75 basic points made the Private sector Banks to blame. The Changes made in this Public Sector Banks will have an adverse effect over the Private sector Banks, by bringing down the lending rates. He also assures that this revolution in the Public Sector Banks will happen sooner or later.

Being the Fastest Growing Economy, When we take a look at the top 20 Banks in India, all the top 20 Banks are only the Private Sector Banks and not the Public Sector Banks. By just reducing the lending rates does not fetch up a good output for the Banks. But by making the Private Sector Banks to reduce the lending Rates may result in the good output as they were already at the top 20 among the people's Minds in India.

Though the Recession made a drastic change in the U.S Economy, It does not made any change in our Country. Our Finance Minister Said "Our Banks are 100% Safe".

It is not just a saying by the Lips, he mean What he says. The flow of foreign capital into India has slowed down will eventually reverse and rupee will find its true level as India remains the most attractive investment destination among the world.

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A Global Economic MELTDOWN

Written By Vignesh on Tuesday, November 25, 2008 | 12:13 PM

A global economic meltdown-IT's biggest problem

A global economic meltdown has taken its way in the sectors of Information Technology and Banking. With the Pink slip being given to all the employees the IT is in great trouble. With the great fall in IT all the it has a cascading effect in all sectors.

With this rumors of Pink slip should an employee get out and find a new job are wait till he gets a layoff? This is the biggest doubt in the minds of employees in IT sector. Every one is now listening to the stories of layoff and forced resignation

One IT company has sacked 1000 of its employees during its annual appraisal.some one say more than 400 jobs have been lost in the past two months.A fine morning if am employee enters his office he is not sure completing his working hours.Two options which the company gives now a days is get out are we will send you out.

Even some of the employees are going early to the office to show as if they are working hard for the company so that he can prevent his job.Its more wise to marry some one in another profession than marrying a techie.Money which earned may be there but the jobs they feel.Every small time they get, they talk about lay off are forced resignation.

Its no more a cakewalk for the students of IT.The lucky once who get into the best institutions in the country dose not seam to have a big problems, but those who are in second are third rated institutions are now a days in a hectic trouble. "The companies are still coming for campus interviews", is just to maintain their brand image and nothing else. The number of candidates being selected has gone down.

Banking sector which were giving fun trips has stopped their credits.Even the companies have stopped their foreign trips are holding them back." Those who were spending Rs.200,000 for holiday is now spending not even Rs.50,000" says shrimathy of the World Travel Club.

Most of the IT employees are a part of equal monthly installments. The problem here is weather they will be in a position to pay their monthly installments if they wont what will be their condition??? Those who were spending a lot,have cut down their expense to a greater level.

Since the global economic meltdown has started, both IT and banking is suffering a lot. With this level of recession in economy,will take much time to recover as it already existed.The worse part of it, is for the students who had taken the course of computer science in second and third rated institutions and universities.Being knowledgeable person does not fetch any job,because of
the cascading effect of "GLOBAL ECONOMIC MELTDOWN..."

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Written By Vignesh on Monday, November 24, 2008 | 12:11 PM

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Different cause for World's Problem!!!

We all know, now the world is meeting its old friend"Recession", there are lots of reasons given behind it by many experts. Some of its reason which we felt caused recession has been listed out as simple as it can be done.

Current recession has been caused by high oil prices inferred from a recent report by CIBC chief economist JEFF RUBIN

Recession took its victory under the lead of oil price. The rapid fluctuation in the oil market made the countries to have a sit back in its economic position. Well before the other nations entered the recession Japan and Euro zone rushed for it.

Oil price changes had a close effect in stock market too. The invest made by the investor had an adverse effect over it,which reduced the values of investments by 40%. The world's strongest economy, U.S withstood this to some extent in the beginning but not fully,the other nations which were depending could not bear the stock fall which made them feel the heat of recession.

The fundamental cause for this recession is the regulatory norms followed by U.S.for the past two decades U.S had a low inflation rate. Which resulted it to ignore the completely basic economic cycle. This was first visible to united states 20 months ago,when they were trying to control the excess liquidity in the market. Then came the fall in their real estate. Amazing fact is that the real estate fell as much as, an house can be purchased in California for Rs.98000 which had a same effect all over the world.

The next main cause for this economic problem is,the world so called strongest bank failed maintain its position and was judged insolvent,it was none other than "LEHMAN BROTHERS". Its unsound idea to purchase a asset worthing more than its reserve caused its great fall in the industry of banking.

What so ever the reason may be for the world's fall the one who suffers are the developing nations only. Lots and lots of people are being driven away from jobs and result is fall in the economic level of the nations. The only person who get good job even during this time of recession are charted accountants by the name of cost reduction every company is sending their employees out and have also freezed their recruitment. With the worst economy policy of the U.S. every nation depending on it is now facing a lot problems which they are not able to manage.

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From the Author's Desk

Vignesh, the founder of VikiInfos, is a Commerce Graduate and Pursuing his Chartered Accountant Profession, now in the Intermediate level. Blogging is his hobby and likes to share things. He plans to Update this blog with latest happenings and things that he gets to know at times and worthy information.a friendly user blog can be followed by any person. Join us free and subscribe.
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