Most commonly used term in the financial circle. “Rule of 72” will help determine when an investment will get doubled. It is based on a simple formulae 72/interest = no. of years to double an investment.

Let us assume you have invested Rs.10000 in a mutual fund which fetches 20% returns. With the 20% return we can determine how long it will take to double the investment of Rs.10000. Now let us work out the formulae

72/20 = 3.6 years.

So we need 3.6 years for Rs.10000 to get doubled.

From World over, he received letters from his fans, one of which Conveyed:

“Why does GOD have to select you for such a bad disease”?

To this Arthur Ashe replied: The world over — 50 million children start playing sports, 5 million learn to play tennis, 500,000 learn professional tennis, 50,000 come to the circuit, 5,000 reach the grand slam, 50 reach Wimbledon, 4 to semi final, 2 to the finals. And when I was holding a cup I never asked GOD “Why me?” And today in pain I should not be asking GOD “Why me?”

I went to a drive to Pondicherry & last used my credit card in a Petrol Station on Saturday, since I went home very late, I parked my car and went to sleep. On Sunday I stayed at home. So when I started to office on Monday morning I came to know my wallet was missing. After getting upset and irritated in the beginning, I allowed myself to get cool. Then I understood such things are bound to happen in life and we must be prepared for the unexpected. So there is not use in doing a post mortem, so I immediately started doing the damage control. These where the steps which I followed,

1.) First List all the things that were in the wallet & sub classify as important & unimportant
a. Important
• 3 Credit Card
• 3 Debit Card
• Driving License
• PAN Card (Important for Indian Income Tax)
b. Unimportant
• Important Business Cards
• Membership Cards
2.) Now after having all the important things in hand break up things which is highly important to act and easy to act
3.) Since Credit/Debit card is more important to protect yourself from misuse, it is important to act on it & fortunately for me these were the things that is easy to act too.
4.) Collect all information to act like,
a. Phone Banking Numbers of the banks
b. Relevant details like Card No’s
c. Where & how-to apply for a PAN
d. Where are hot to apply for a Driving License
5.) Now call all the banks and cancel the cards and apply for new cards right away.
6.) Now coming to important & not easy things which are Driving License & PAN card. Since it is all related to government involvement the process is not that easy. But let me share the information here on process involved to reapply for lost DL or PAN card
a. Lost PAN Card – http://www.tin-nsdl.com/faqPANRequestForNew.asp#5
b. LOST DL – In case of loss, theft, or on mutilation, Duplicate License is issued. The documents to be produced are FIR of the lost license, challan clearance report from RTA Office (in case of Commercial license renewal) and an application in Form LLD. The particulars are verified by the authority from the records. The duplicate license will have the valid period same as the previous license. If the license is lost and expired by more than 6 months it requires permission from Head Quarter of Transport Department.

It is recommended to keep a photocopy of the original license or particulars of license noted in order to make it easier for the issuing authority to locate the particulars from their record.
7.) In both cases in point 6, I must first lodge a police complaint & get a FIR, which I’ve not done, tomorrow I’m rushing to Police Station to file the complaint and get the FIR to get PAN & DL. Will post a separate blog if the process is complicated.
8.) Another stuff I must do is to go shopping and buy a new wallet, for which you don’t have credit cards in hand or debt card to withdraw cash. So try to borrow some cash from parents or friends. Try to get something more considering to get a new wallet, your expenses for 4 – 7 workings days which is what banks takes to process the replacement cards.

It is week end and again it is movie time. This time I went to watch a Tamil movie named “Rameshwaram”. The plot is simple; it is love that happens between a Sri Lankan refugee (Hero) and a native Indian Girl (Heroin). Movie lacks depth from the beginning. It has not shown the suffering of Sri Lankan Tamils sufferings nor the instances that leads to love between the Hero & Heroin, even the villains are projected are mere comedians. Hero Jeeva has tried hard to act, but lacks in all aspects like acting, dancing & even fighting. He did a good job in his previous movie Tamil M.A & RAM. But don’t know where it went wrong.

Also I think is unnecessary to showcase too much about Sri Lankan Tamils and there sufferings. I think it is not going to solve any purpose other than spoiling the image of Sinhalese who are always projected as villains. My rating for the movie would be 1.5 out of 5.

Just finished reading the book “80/20 CEO” by Mr. Shrinivas Pandit. Interview that happened between Mr.Pandid and Mr. Vaman Kamath has been published as a book. I’m a strong admirer of Mr.Kamath & still I had something to learn from the book. I see Mr.Kamath using lots of Jack Welch techniques. This book is more like a shorter version of Straight From the GUT, as Mr.Kamath’s experience or experiments are almost in the lines of how Jack Welch has done it. Like I said earlier, book covers the experience of a man who has rewritten rules and created a revolution in retail banking and there are things that we can carry along with us.

Best of luck.

Went to watch the movie Elizabeth directed by Shekar Kapur. I’m ardent fan of Mr.Kapur and there is not excuse to miss this movie. As far as the movie is concerned it is very well narrated, but as an Indian I’m not much aware of England’s history, so unable to catch up with the movie because it starts with Queen Elizabeth as queen. Though there was a small recap which Says it was an holy war between Spanish Catholic Ruler with Protestant ruled England, it was not explained in detail, director must have kept one thing in mind, English is no more with US or England, like wise English movies are also global and director must have considered to give a recap of incidents before going to the movie. Another arguable is the way Catholics are projected; I feel it is too much manipulated. I’d recommend those who are unaware of British History to read something about the movie before watching http://en.wikipedia.org/wiki/Elizabeth:_The_Golden_Age.

I’m really glad that Kapur has one again proved him & A.R.Rehman has done his part well. I’d rate the movie 4 out of 5.

1. No Breakfast
People who do not take breakfast are going to have a lower blood sugar level. This leads to an insufficient supply of nutrients to the brain causing brain degeneration.

2. Overeating
It causes hardening of the brain arteries, leading to a decrease in mental power.

3. Smoking
It causes multiple brain shrinkage and may lead to Alzheimer disease.

4. High Sugar consumption
Too much sugar will interrupt the absorption of proteins and nutrients causing malnutrition and may interfere with brain development.

5. Air Pollution
The brain is the largest oxygen consumer in our body. Inhaling polluted air decreases the supply of oxygen to the brain, bringing about a decrease in brain efficiency.

6. Sleep Deprivation
Sleep allows our brain to rest. Long term deprivation from sleep will accelerate the death of brain cells.

7. Head covered while sleeping
Sleeping with the head covered increases the concentration of carbon dioxide and decrease concentration of oxygen that may lead to brain damaging effects.

8. Working your brain during illness
Working hard or studying with sickness may lead to a decrease in effectiveness of the brain as well as damage the brain.

9. Lacking in stimulating thoughts
Thinking is the best way to train our brain, lacking in brain stimulation thoughts may cause brain shrinkage.

10. Talking Rarely
Intellectual conversations will promote the efficiency of the brain.

Indian markets are showing unprecedented growth & main reason behind this growth story is P-Notes in full called as Participatory notes

So what is a P-Notes?

To briefly explain, P-Notes are instruments which help unregistered Foreign Institutional Investors invest in Indian markets with the help of Registered Foreign Institutional Investors.

Mostly the identity of these investors is anonymous, thus it leads to possibility of terrorist misusing this privilege for creating wealth & for money laundering and leaving the markets more vulnerable.

I personally feel that we have used these P-Notes for getting more FII inflows & now it is time to regulate the markets.

All that glitters are not GOLD, that pretty much apply to P-Notes. So, I personally feel P-Notes must be scanned by SEBI(Securities and Exchange Board of India).

A blind boy sat on the steps of a building with a hat by his feet. He
held up a sign which said: “I am blind, please help.” There were only a
few coins in the hat.

A man was walking by. He took a few coins from his pocket and dropped
them into the hat. He then took the sign, turned it around, and wrote
some words. He put the sign back so that everyone who walked by would
see the new words.

Soon the hat began to fill up. A lot more people were giving money to
the blind boy. That afternoon the man who had changed the sign came to
see how things were. The boy recognized his footsteps and asked, “Were u
the one who changed my sign this morning? What did u write?”

The man said, “I only wrote the truth. I said what u said but in a
different way.”
What he had written was:”Today is a beautiful day & I cannot see it.”

Do u think the first sign & the second sign were saying the same thing?
Of course both signs told people the boy was blind. But the first sign
simply said the boy was blind. The second sign told people they were so
lucky that they were not blind. Should we be surprised that the second
sign was more effective?

SO on this festival season lets promise to,
Be thankful for what we have. Be creative. Be innovative. Think
differently and positively. Invite the people towards good with wisdom.

Live life with no excuse and love with no regrets.

When Life gives us a 100 reasons to cry, show life that we have 1000
reasons to smile.