* Noble Consultants

Good bye 2010

2011-01-02T19:24:00.005+05:30

We just have entered the new year with new energy and aspirations towards making it better than the last one...dont we??
Looking back, I wanted to share with you the GOOD-BAD-UGLY of 2010 for me. That year I made a handsome profit in stock-trading which gave me around 25.31% RETURNS. Later in the year I also started a SIP(Systematic Investment Fund) in an Infra-Fund which is at -5.5% RETURNS as of 31st Dec 2010 which is not BAD!!!
So for me the last year was good making a lot additionally apart from my regular DOSE of addiction(SALARY).Hope my success in Investments and learnings on building Financial IQ helps my readers also benefit from it...Wish you a Happy New Year 2011

Price RISE

2010-12-26T12:37:00.003+05:30

We all must have read the Reports of onion prices in Maharashtra doubling in a week in recent times. With Inflation taking its TOLL on one side and prices of food and non food commodities alike on fire on the other over the past few months, one needs to ponder where is this state aheading to!!!
This is where we need to think on finding a solution to catch up with these rising prices in order to cater to our daily needs. Even bachelors in the city are finding it hard to survive forget about the families!! Also the salaries random seem to increase at this level, How do we tackle such sudden changes?? Suggestions required...

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Have we invested yet??

2010-12-05T14:14:00.005+05:30

Infrastructure seems to be the HOT TOPIC in news these days...The Highways Minister Mr. Kamal Nath has ambitious plans. As per his ministry they plan to construct 35,000 km of roads by March 2014. This is expected to be the largest public private partnership programme in the world and is likely to attract a massive investment of US$41 bn, including FDI, from the private sector. Mr. Nath is confident of attracting international financial institutions and infrastructure companies to participate in the National Highways Development Project (NHDP). This is especially on account of the government's determination to bridge the huge infrastructure gap in India.
Furthermore UK's leading private Equity player 3I is set to launch its $3bn or 14000 crores infrastructure fund for India next year. Also in 2008 3I had floated its first India specific fund of $1.2 bn and has invested over $505mn in Indian Infrastructure. As per Michael Queen, chief Executive of 3I,"The main focus area is infrastructure,including power,ports,roads and water management"
As per my blog dated 18th Sept.2010 I have already signaled the trend to follow investment in Infra fund. Now its upto my readers to ride this upcoming wave early just like GOLD and benefit immensely in the years to come!!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

KEYSCRAMBLER: Safeguard your Financial Information

2010-11-08T20:07:00.006+05:30

As the INTERNET grows fast each day,Financial Transactions and purchasing has never been easier.We have to go through the NOT SO SAFE path letting out our Personal Information sometimes-What if it goes in the WRONG HANDS???
The answer to the above issue is to FIGHT BACK and HOW...The ANSWER is KeyScrambler. Just found this tool surfing on the net. KeyScrambler Personal protects all your inputs in Internet Explorer, Firefox, and Flock, including your login credentials, credit card numbers, passwords, search terms, Java, Flash, PDF Forms, web email and a lot more. Online shopping & Web email; credit cards, addresses, Yahoo mail, hotmail, gmail and more; Java, Flash, & Browser Dialogs, browser master passwords,and much more...
KeyScrambler works by encrypting your keystrokes at the keyboard driver level and decrypts them at the destination application, giving keyloggers "scrambled," useless keys to record...Check out

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Value Investing...Secret to good investing

2010-10-23T14:31:00.004+05:30

As we see the stock market move up and down just like a SEE-SAW, what thought crosses our mind?...Is there fear when it drops and excitement when it rises!!!
Well its time to understand Value investing, which goes beyond all other forms of investing in the long run. Its the approach of not paying a very high price for a stock and remaining invested for a long period of time to gain optimum benefits. But our investors lack patience in this age...all they want is quick returns, short cut to gaining wealth!!!
As per Prashant Jain, CIO of one of India's Largest MUTUAL FUND HOUSE HDFC - the secret is that he buys only into business he understands well and while he likes growth and quality, he will never overpay for growth. He further added that he believes in doing simple things well. Many people don't want to concentrate on cash-flows and numbers like return on equity and this is where they lose out. These are simple things but a very important part of our process...Yes friends its time to learn the basics of Value Investing and how to analyze stocks to avoid choosing a wrong one just based on tips and stock recommendations!!!
I have put below some of the things that need to be checked in simple words before investing in a stock. Remember these are just the basics and we need to have a thorough research which Value investing will teach us
RETURN ON EQUITY(ROE):- NetIncome divided by the shareholder's equity(book-value). Its average should be between 15-17% over a long term
P/E RATIO:- Low ratio is always a good sign and can be worth buying
P/BV RATIO:- Stock is costly if this ratio is higher
DEBT:- Should be as low as possible and checked for stability
EARNINGS PER SHARE(EPS):- States a firm's profits on a per share basis. Gradual increase in EPS overtime is a good sign

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Blow to IT Industry

2010-10-02T11:15:00.006+05:30

Its all happening...Is the IT Industry heading towards its downfall?

Well the symptoms though are pointing towards it.
As per the latest news, the chief of Infosys, India's second largest IT services firm said,"What we see from customers is that they are committing short term; they also reserve the right to cancel, so clearly, everybody is playing the short-term game at this point in time." Further we have the H1B visa(work visa for US) fees nearly doubled from US $2000 to US $4500. The Indain IT Industry derives nearly 45-50% of its revenues from its onsite work resources. As per NASSCOM, this will increase the annual visa cost for the Indian IT industry by US$ 200-250 m annually. This will reduce the cost arbitrage that India offers to its clients in US. However, Indian IT firms cannot afford to miss the US markets!!!
The percentage of onsites that we had is also constantly reducing as per latest reports of the last decade. If this trend continues then surely the Indian IT Industry could be in deep trouble. But who will be the most affected will be the common man, us middle class whose primary source of income is the JOB in IT. Are we prepared well???

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Time to invest in an INFRA fund

2010-09-18T15:08:00.004+05:30

Is it still a good time to invest in INDIA with SENSEX touching 20K??? As per my market analysis and research I feel that its time we start investing in an Infrastructure fund for long term. Reason being Infrastructure growth has been the most lagging OR forbidden sector of our market compared to the kind of investment need that has to be catered to. This massive need of infra means that the money can be used productively for next 10 years by the government. Compare that to Hong Kong or Singapore where additional money cannot be used to build more infrastructure.
What we as investors need to do is be smart enough to start investing in such funds. Are we ready to earn through this upcoming change across the about to boom sector or still believe we are good enough just living our normal job paying lives???
Common friends start investing either through means of SIP or lump sum amount so that we dont miss to benefit from this important wave. Any suggestions??

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Invincea Browser Protection

2010-08-25T14:44:00.004+05:30

Dr. Anup Ghosh, a highly-respected Internet security analyst has come up with a very interesting concept of WEB BROWSER PROTECTION

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Google Chrome: The new breed of Web browser

2010-08-11T20:03:00.003+05:30

Did you know that the browser we use can have a lot of effect on the way we surf the internet and may even help us safely browse through without having our system infected much??? Yes friends this is one article on GOOGLE CHROME that sets it apart when it comes to security.Just read on to know why!!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

India-country in Paradox

2010-08-01T10:38:00.003+05:30

Its Friendship's day today and i have a serious concern on a very imp issue facing the Indians...Do we know that there has been a big rise in the number of millionaires in India. As per the World Wealth Report, it states that the number of Indians having investible resources in excess of million dollors rose to 51% whereas we still have millions of indians living below the poverty line at present...Why is the poor becoming poorer and rich becoming richer, the transition from the middle class to the rich becoming difficult everyday???
What is our responsibility as Indians...Give it a thought!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

How Peter Lynch Destroyed the Market

2010-07-21T18:31:00.004+05:30

As usual sometime back I was going through financial blogs, the ever curious world that I live in I came across a statement...How Peter Lynch Destroyed the Market. Hey we have always seen how the market destroys us investors, how come this is possible, just wondered and then after reading the article understood...Wanna know how we can achieve this amazing feat, Just check out

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Big Stock Ideas for Big Profit

2010-07-14T18:21:00.005+05:30

The biggest ideas and the biggest resulting profits, almost without exception, belong to entrepreneurs...Read further to know how to profit by identifying the winners!!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Fear Is A Foe Of The Faddist, But The Friend Of The Fundamentalist

2010-07-07T16:57:00.006+05:30

Friends,
Just started a new section on helping us understand Financial quotes from Investor kings across the GLOBE...Here is the first one...Please do provide your valuble comments!!!

This quote refers to the common investment strategy. Often Indeed, we have usually made our best purchases when apprehensions about some macro event were at a peak. There will be a lot of changes to come in the next 30 years. We will neither try to predict these or to profit from them, but what is more important is to understand the fundamentals!!!
If we can identify businesses strong in its values, similar to those we may have purchased in the past, external surprises will have little effect on our long-term results. Stock prices will continue to fluctuate sometimes sharply and the economy will have its ups and downs. Over time, we believe its highly probable that the sort of businesses we own will continue to increase in value at a satisfactory rate...
Try to be a Fundamentalist who is not afraid of fear among ignorant people and has his own research done before having his investment decision made rather than following the crowd!!
The future is never clear, you pay a very high price in the stock market for a cheery consensus. Truly "Uncertainty actually is the friend of the buyer of long-term values. Fear helps the Fundamentalist but is the enemy of the Faddist"

Thesaurus
Faddist is a person who keeps listening to various noises/news around him and has his decisions based on it.
Fundamentalist is a person who knows his research well and is not dependent on others for his investments as he knows the ground rules well.

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Own up to your IT consultancy's mistakes

2010-06-23T11:42:00.003+05:30

IT consulting MAN...Tough job when things dont go as per PLAN...Something which will help ease the situation that we consultants may fall into.
Read more...Please get back with comments on it!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Inability of Managing Finance(IMF)==???

2010-06-19T20:30:00.004+05:30

Like we said in our last post we have provided the reasons below of having been infected with the titled disease and thoughts which will cure us from it...

1. Handicapped Education System
India's present education system can be explained in a one-liner as "Keep your mouth shut and eyes open". It lacks the basic funda of learning to have our Finance planned. Hence the common man lags in gaining financial knowledge on planning his future needs and has to depend on a Financial planner or other instruments in that regard.
2. Employee mentality
We have been taught since ages to get up every day and go WORK FOR MONEY rather than let our Money work for us. Every month we end up getting our consistent paycheck which is exhausted in paying our debt/expenses like loans, premiums, credit card bills, rents etc. Here we have a minimal amount left which only suffice to live hand to mouth. We are surrounded by a crowd from the same environment and so keep following the breed without understanding its limitations!!!
3. FEAR
The layman is afraid of taking risks. It takes contacts, access to information through blogs/magazines which requires investing time that most people simply do not have or are unaware of. They tend to be satisfied with their day to day lives and are accustomed to live in their comfort zones clueless of the upcoming Financial misfortunes!!!
4. Taxes
We only focus on higher wages, job switch and continuous hikes but are unaware of the gigantic amounts deducted in the form of taxes. Do we know just how much is really coming out of our pocket while we’re not looking?
Its not just higher salaries but well managed income, good financial planning which will help us preserve our hard earned cash. We also need to learn how to have taxes saved to the optimum level!!!
5. Early starters
Lack of Financial IQ never lets us start early investing. It has been proved that early starters alongwith regular investments always creates a handsome corpus to fulfill our future needs as well as sort out our retirement worries!!!
STAY CONNECTED FOR MORE

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Investing 101 from Warren Buffett

2010-06-08T00:17:00.005+05:30

Here is a video which I came across on the internet.It may help readers and beginner investors to know three most important things Warren Buffett Looks in a business to buy.It also covers some of the must required qualities of a good investor along with a direct voice from Warren Buffett!!!
Read more...Hope you will enjoy it.Please get back with comments on it!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

Finance and the Framing Effect

2010-06-06T18:05:00.008+05:30

I came across an interesting article on the current Market scenario by DEEPAK SHENOY...
Consider this statement:
"The Indian stock markets have grown 20% in the last year, with earnings growing over 18% on the back of an economy that grew 7%, among the largest growth rates in the world."

And then, in a piece from a newspaper where the sole editor was in a coma for two years:
"In the last two years, the stock markets have gone nowhere, at nearly the same levels of May 2008. Earnings have stagnated - the earning-per-share (EPS) of the Nifty has moved only 2% in the same period, despite the economy clocking growth rates of 6% or more. A fixed deposit in a bank would have done better."
Read more...

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom

We, the STUPID Mango people(AAM AADMI)

2010-06-06T13:10:00.003+05:30

Going through the fast paced existence of a middle class environment we found that we all have inherited a disease...

Symptoms:

Searching for peace from the mental and physical struggles in our day to day lives
Running short of time for oneself and one's family
Continously working for money, running after pay hikes and job switches, trading hours for money
Have a lot of dreams but find it difficult to turn into reality
Habitual to swiping of credit cards
Stuck in the middle of a never ending tunnel of debt
Want to serve the society but short of time or money
Left with no or minimal savings at the end of every month/financial year

If you find that you have been infected with any of the above symptoms,we bet that you are terminally ill and suffering from a contagious disease named IMF.Look out for more details on the cure for it in our next blog!!!

This blog is an initiative to help the middle class community to ignite the Financial genius within them and motivate them to achieve Financial Freedom