Article: 3rd October 2008 , Author Joy:: OLD POST

Article: 3rd October 2008 , Author Joy

There is a recent panic building on the global economic analysts and investors with the falls of many Investment banks in series. More than the fact the rumors are spreading across market especially in brokerage fields. We have seen recent dips in NASDAQ and also NSE, BSE in India. Of course the fact is that the Economy is playing ugly and as the US Banks are declaring bankruptcy but certainly there is no valid reason to put the Stock Market index in red across the globe. This is happening because the short term panic in the market as the market is mainly driven by emotions in short run.

We have to understand one basic point that the market has not collapsed over night and there was significant evidence in year 2007 that the market would go bearish in future, we have seen one of the world’s largest bank Citi under great cyclone. After restructuring itself Citi could not greatly recover its financial crisis till date. It is proved concept that the long term performance of any institute is based on the strategy and the execution of the plans and hence different kind of industries and different countries would not behave in the same manner as the global economy or US crisis.

We have heard various CEO’s talking about transformation in their business models; the services sectors can really utilize the transformation to put the market condition favorable for them. Due to the money crunch in huge investment sector the liquidity flow is hampered and the new investment on R&D would be less and in fact the new startups would face a strong resistance. Unlike the other sector the services sector can turn the condition in their stride, may it be IT services or Pharma or Engineering services division.

Let’s take the focus back on India and how Indian companies are going to behave on this. Indian transformation which briefly started 15 years ago is mainly built on the pillars of services sector. As we have already reiterated that the service sectors could transform the business, Indian Corporate can make the situation favorable for them. The behemoths like US and EU countries are hit with the economy crisis and the only way for them to overcome the crisis is to reduce the expenditure and increase the cost effectiveness across the verticals. With the recent bailout plan the institutes are in huge pressure for performing and fighting for their survivals. The wave has created a new space for Indian IT sector where Indian Companies have bagged some straight outsourcing deal of end to end IT Infrastructure Management. We have to understand that the offshore onsite model is gradually moving towards more cost effective offshore execution schema which means lesser margin for the Indian companies but this exposes a point of improvement for them to achieve more effectiveness.

The global situation is a bit alarming and all the achievers have to play safe as they also have a pressure of keeping their position safe and grow. Indian companies may pose threat to themselves if the growth is inorganic in this phase as the cash crunch could also be felt in near future. Though the trends of overseas acquisition has increases, Indian private firms should again relook their financial sheets as most of the liquids available came from exponential growth in 2005 to 2007 time. In contrast to this the chances of Indian Banking sectors to sustain in respectable stage is high due to an outstanding control of RBI on it.

The way the market would see itself is not profitability but the market capture in terms of long term client commitments thus if the economy bounces back the face value of the business automatically would be inflated. Though the Chinese firms have a little inflexibility as most of the business firms are still strictly controlled by Governments, it has a huge potential to harness the possibilities.

Life a Redemption !

Drowning with everyday's ease
Flying with every flay.
Persuasion may not be defined in the dictionary
Carrying the coffin of life
Ascertaining surroundings in ecstasy.
********

Random Photography

A strong wind!

A wind, a strong wind may perish me .... but I have a equally good change to get lifted higher and higher in the air.

A THOUGHT FOR TODAY

I am not only a pacifist but a militant pacifist. I am willing to fight for peace. -Albert Einstein

Techniques de communication (Communication techniques)

Though I have not got many chance to travel many places but fortunately I have been interacting with many people across the globe. The outcome of the sustainable chance was huge; surprisingly I was able to communicate with some of the people who were not that brilliant in English.

 

This is not all about how convincing your English is, in fact I have seen, you can amaze non native English speaker with the broken English you deliver: because it sounds fast!! But unfortunately this kind of delivery may achieve certain respect from the other side but surely it would create a great crater in the person to person relationship.

 

We have to understand that the communication is fair when we give our 100% effort in it, with all our hand, face, mind and body. I was reading an article on Customer interaction which says 'Before talking to any Customer first give a smile and then speak'. Sounds ridiculous? How can someone see me or how does it matter, but indeed it makes a difference it makes your welcome sound profound and warm.

 

I could very easily understand all the non technical terms of most of the people I have spoken to, except some of them. Definitely not all the discredit goes to me, as the communication channel is a pipe and you are just holding one side of it. I had also faced great deal of difficulty understanding my native language speaker. Those all barriers are caused because of our shallow commitment while talking or talking with merely our vocal cord.

 

I was in Germany when I met an Old Octogenarian and that taught me a lot, a lot about how difficult could be made easy. He tried to introduce himself and greeted and I started in English. Later when I said NAMASTE he could recognize the greetings. We spoke for long indeed for a long time near a mall. He spoke Indira Gandhi and also about how great Mahatma Gandhi was. I cannot tell you whether I was communicating in English or Hindi or any other language but for sure when we grown interest on the topic we started understanding each other it was not all about sound but the deep eyes and the body movement which made a huge difference. What a lovely memoir....

 

The communication is perfect only when we contribute towards it. We can easily communicate with our family members and friends because we understand their want and behaviour. Same ploy applies in all instances. There was a gentle man who was on call and said, 'My English Little, I ask my friend, He is Big' ... I said 'You speak better and indeed I am not a native speaker' ... we continued without any of his friends help.

Books I am Reading rite now ....

It's Not About the Bike --- Armstrong

Three Men in a Boat -- Jerome K Jerome

An Insight : Microfinance

Some people still see micro finance institutes with mere skepticism. They claim that those institutes make more profit than general banks; the fact is true to some extent as in some micro finance institutes the interest rates are much higher than those of normal banks. If we see the micro finance institutes from a different perspective, probably we can do some sort of justification to its working model.
Normally the penetration of general banking system is limited to only those groups or individuals who can afford to take loans, or even they do not require the same but they avail it as part of their financial planning. The left outs are the people who really deserve the money. Considering the fact that banks are too much concerned about the return of the investment they have done and also they have low penetration and high operational cost, it is clear why micro finance model came in the lime light. It has been a long practice of denial of shelling out loans to those who need it.
There is another counter view: government and organizations also provide financial help to the groups who require assistance. But the money is normally assumed to be a gift rather than an amount which should be made to work harder. Distributing assets via micro finance model just does the opposite practice; it imparts a sense of responsibility to the class availing the loan. The socio-economical progress can only happen when people know how to grow and make asset out of the amount they have.
Last thing, there is obviously a possibility that the micro finance institutes can act as the money lenders or brokers which could turn in to a monstrous practice. Government or central banks should keep a close vigil on the practice of that kind.

http://hopef.org

Dedicated to my heart

I did not listen to you,
and Followed your words very few,
never ending demand.

I always wanted to be standing tall,
I considered your voice as a spell
which can make me fall,
tearing apart the sound deep inside,
I always supported my mind.

I know I was no wrong with my deed,
not even a selfishness shown to any one else indeed.

But infront of the mirror standing,
I can see you grown old, shattered with long denial,
I wish you could pamper me as you used to do.

I promise you I will listen to you,
I have achieved many but rejoiced very few.

I know you never betrayed,
never stopped spreading,
fresh hope and promise every day,
with every pinch of blood in the veins.

I can hear you beating in the silence of my solitude,
Carrying blood to every limb of mine.

FTP software, with encryption

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Desidero aumentare ( I want to rise)

I believe I am different,
Not introduced in this world to serve normal course.
My claim may sound a little ambitious, but yes that's what I am.
I am introduced to bring calamity.

QUOTES I HAVE WRITTEN (influenced by Tagore's writings :) )

I thought rain drops are like angel's tears,
They fall and die.
But when I saw my eyes in the mirror ! I was wrong ..
I had to take a shower to hide those.

Thy created the land for me to stand.
I made a well to ponder myself, can find no where !!

Sitting beneath a pale tree..
Not even a skylark to whisper
I closely observe, my heart beats, loud.

Let my eyes be wide open, expecting something.
Let my ears urge for melody,
Till dawn falls.

I was on my way to the Oracle, where my deity lives.
On the dusty path I stopped ! A beggar seeking alms..
I looked down upon and reached my destination,
Sitting on the door of my lord I realized,
I was no different from the begger,
It is just my wallet was bigger.

I built a sand castle in the sea shore.
I was never afraid of the tide.

Every day I pray for the snow to fall,
to see sun shining on it'.
I never thought of the owl,
which screams in shivering dusk.

Harsh bark!! took my dream away,
I stood in the corridor of reality,
Found ! those are fighting for food.

I found you again and again - around,
I thought it was 'de ja vou'..
But now when I am counting my last breathes,
I have a strong belief, I will come back.

© Joydip Publications ~

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A TRIP to BHADRA (1)

I was on a trip to Bhadra. Destination "Jungle Lodge".
We reached Bhadra on Thursday,and we returned back saturday night. Apart from the 7 hour journey, the trip was nice, not only because of the serenity of the place, or the silence of the jungle, but also because of the enthusiasm of people, our batteries were fully charged.

On the last day, me and my Colleagues were having food. Typical Indian food, nice curry, dhaniya chicken, and fish fry. I had stuffed my stomach enough to sustain my biological need till night.

When I was done with my stuffing, I came out and went to the back side of the dining room. The dining place was standing like an island, in the midst of a dense jungle.

Suddenly some movement in the nearby bush caught my attention. Nothing scary, a cat, a wild cat it was. I was wondering whether it will respond to me. I started calling it, to my awe it understood my language !! It came closer to me. I knew it was hungry, but did not have anything to give. Believe me, not many people would like to entertain a cat, specially if it is not their pet.

I was feeling bad for not giving any food to the poor cat. I decided to ask the cook to give me a piece of fish fry ,and he was nice to give me one. I did not realise that the fish fry was hot. 'Mini' took a large bite and then she realised that the fish was hot. I came to know from her eyes, like she expected me to be more careful while serving her the food. "I am sorry Mini :(".
"Mini"?? I gave her this name.

She was so hungry that, she finished it with in a minute. I was staring at her. Mini was very busy eating :). Then she looked at me, and came more closer ... asked me to give more fish ... by making a peculiar sound , in a fashion that she had every right to demand more.

My trainer told me that normally cats are not loyal, and neither they show their gratefulness @#@$. Sigh !! I dont care ....
Mini's eyes were wet , and she respected my feeling, for whatever little I offered her.
May be the cats know whom they should respond to ????

It was time to depart.
I bade goodbye to her and started towards my destiny. She was still standing there, looking at me. I turned back ......... I saw two still eyes .... so deep and silent..... they were trying to convey something ..... something .... it cannot be only food or a mere fish piece .....First time I was not able to interpret her eyes ......

FTP software, with encryption

Here is the link to download .... You can create file, encrypt those, decrypy it, or ftp it with a simple interface.... please feel free to download and write feedback on it,,,....
I have developed it long back ... so no upgrade assured :)

INFO ON COMING SOFTWARE :)

CHECK THIS ONE WHICH I HAVE UPLOADED NOW :) this is not for core techies ....

I am uploading two new sizzling softwares, I assure you experts will like them ...

1) secure internet chat.... admin cant hack those ... and having some new features...

2) secure store ... you can store files (any files) manage user accounts and open those on the go ...
so now you can create those secret documents confidential !!!!!!!!!


before that I will upload another two very basic tools ... just bear with me ...