Instilling faith in God

What a life that engineering was, so pure, so simple, so caring and with lots and lots of fun.But now it all seems hypothetical, seems as if i have seen a paradigm shift in people with whom i interact and work.

This comes out of my past 6 months of experience back in IMT Ghaziabad. Batch of 420 students , out of which 60 including me in the same discipline.

Many people, Many minds, Many perspectives; conflicts,relations, commitments,faith, deceit all coming into play all of a sudden.

But that whats the nature calls for ,"the day you becomes stagnent at the very next moment people starts breeding on you." Well said theory by Charles darwin, "Change and adaptibilty are the best ways the species survive over a long time".

Initially I thought how come people be so mean.But gradually as the time passed, I started learning from experiences and instances. It made me realized that "Its all professional world now".Every one in this 420 is competing with others.There is nothing like faith,trust and belief which you could find here whether it may be relationships,love, friendships or any other damn things. everything has a motive ,a reason to be looked upon. This is the reality. This is the world which i have to enter into coming out all the dreamworld.

Its all the place where you feel so lonely and scared not just because you have to compete with hell lot of people but the most important thing is that you can not trust anyone.

Only rescue to you is the Universal Power which some people call God.

I had been to temples many time before being to IMT, but never felt such a feel and urge of going back to the temple again.

It was some where in mid of septemeber, life was as usual busy and with lots of complexities. Though being atheist , wasn't intrested in going to temple but once i went there and sat there for a while to take break. All of sudden a sense of security, a feel as if someone has faith in me and someone is always with me , started comming to my mind. I found simplicity and calm atmosphere of temple as the best place which could give the peace of mind and relief of all the complexities of the world.

So its the Universal Power so called God came to my rescue of all the complexities of the life out here in this competitive and harsh world.

I still have the friends in IMT, who have faith and confidence in me. These are the people who are always to support me.

Hey!!! God its still competitve where Friends are at a upper edge over you.
So as I have said in starting, keep changing and evolving, applies to god also.

Hope u listening......

This experience instilled a faith in god, may be for my own benifits....But still friends rule much over God.

Now thing to be seen is that What God do to survive and compete with my friends.....

CS(Counter Strike) or Terrorism

Counter Strike
1999
First Map:
de_airstrip
Indian airlines plane hijacked and taken to kandhar. Terrorist demanded for release of 35 jailed terrorists for release of 154 hostages. Finally the deal was cracked for 3.
so the final score for this map was
CT(India)---0 and T(Terrorists)--- 3

2000
Second Map:
cs_militia
Militants killed 35 sikhs in Chattisinghpora, J&K.Militants were dressed in Indian army Uniforms.
CT(India)-0 and T(Terrorist)---35
Third Map:
cs_estate
A car bomb explosion near J&K assembly killing 38 people which was followed by armed assault. 3 terrorists were killed in all.
CT(India)--3 and T(Terrorist)---38


2001
Fourth Map:
cs_office
Attack on Indian Parliament----the sole and heart of world's biggest democracy.
All 5 terrorists were killed
Followed by.......

Massacre of family members of
Army personnel, Kaluchak, J&K.------- 20 killed

Akshardham Temple Attack, Gandhinagar------------29 killed

.

.

.

.

Twin blasts,Mumbai 2005-------46 killed
Three blasts ,New Delhi Oct. 2005 -------- 65 killed
Mumbai Suburban Trains Blasts 2006 -------135 killed



PATIENCE...............
NON VIOLENCE........................
RESILIENCE........................



Will all this pay ?????????

I really doubt now a days and so do most of the Indians think.No tangible measures from governemnt.After every attack government promises better and secured life but all in vain.Now common people having no other option are getting used to terrorism,they have lost the hope in system.It has become a usual routine of terror struck scenes on the news channels but what of the coming up generations.Instead of being bought up watching and listening fairy tales children now hear tales of terrorism eg. Mumbai train Blast, Taj hotel attack, Parliament attack.......This has created a great negative impact on their mind.It has instilled fear in their mind and made them uncap able to fight back this heinous terrorism.


Its the right to gear up our sleeves, if not for ourselves but for the coming up generations.lets not read them in their history books read the ruining of India as we read in our history books about Ghazani who attacked India for 17 times. Don't let this Country get ruined more.........
Its time to develop faith in our armed forces and support them in combating this terrorism.

ARE MONETARY MEASURES BY RBI EFFECTIVE IN OVERCOMING FINANCIAL MELTDOWN IN INDIA

Global meltdown which started globally post dissolving of Lehman brother had not leaved India even. Financial structure of the Indian economy had been shaken with a surprising event. NSE has gone down by 33% same is the case for BSE which is down by 38% post this incident. This continuous fall in Share markets shows a great fear and concern among the common man over the security of the money invested.

Does India should really be affected to such a great extent where everything in the financial market is downward sloping? No, speaking technically and logically India should not suffer to such an extent because India has always kept its restrictions on the foreign and monetary policies keeping the defaulters under the controllable limits.

Indian banks have never been exposed to high risk subprime loans as in the case of banks from other countries .So there is no reason Indian banks or government should panic about the situation. Its the psychological panic and phobia in the mind of people which has created this meltdown in Indian financial markets.

RBI has introduced various monetary policies(reducing repo rate, reverse repo rate etc.) on regular basis to keep check on the downward flow of the market but currently the situation is completely different , there is no flaw as such in Indian market as of in US markets. Monetary policies are just able to nullify such flaws in the market and thus have not been effective in curbing down the negative impact of crisis. Problem lies in the mind of people and this fear could be removed by reassuring the mass by introducing the effective steps under fiscal policy like strengthening global trading systaem and forestall any protectionist tendencies which surface during such crisis.

ROLE OF INVESTMENT BANKS

Investment banks provide four primary types of services: raising capital, advising in mergers and acquisitions, executing securities sales and trading, and performing general advisory services. Most of the major Wall Street firms are active in each of these categories. Smaller investment banks may specialize in two or three of these categories.

Raising Capital

An investment bank can assist a firm in raising funds to achieve a variety of objectives, such as to acquire another company, reduce its debt load, expand existing operations, or for specific project financing. Capital can include some combination of debt, common equity, preferred equity, and hybrid securities such as convertible debt or debt with warrants. Although many people associate raising capital with public stock offerings, a great deal of capital is actually raised through private placements with institutions, specialized investment funds, and private individuals. The investment bank will work with the client to structure the transaction to meet specific objectives while being attractive to investors.

Mergers and Acquisitions

Investment banks often represent firms in mergers, acquisitions, and divestitures. Example projects include the acquisition of a specific firm, the sale of a company or a subsidiary of the company, and assistance in identifying, structuring, and executing a merger or joint venture. In each case, the investment bank should provide a thorough analysis of the entity bought or sold, as well as a valuation range and recommended structure.

Sales and Trading

These services are primarily relevant only to publicly traded firms, or firms which plan to go public in the near future. Specific functions include making a market in a stock, placing new offerings, and publishing research reports.

General Advisory Services:

Advisory services include assignments such as strategic planning, business valuations, assisting in financial restructurings, and providing an opinion as to the fairness of a proposed transaction.

FEW of AMERICA's LARGEST BANKRUPTCIES

1. Lehman Brothers Holdings Inc; $639 billion

The Lehman Brothers bankruptcy, is without a doubt, the largest bankruptcy ever: the size is estimated between $613 billion and $639 billion!

What began life as a general store set up by three German immigrant brothers to the United States, over the years turned into one of US's largest investment banks.

The amazing story of Lehman Brothers' story started in 1844, when 23-year-old Henry Lehman, son of a cattle merchant, emigrated to the United States from Rimpar, Bavaria. He settled down in Montgomery, Alabama, and opened a dry-goods store -- H Lehman.

Later, when his brothers, Emanuel and Mayer, joined him the company changed its name to Lehman Brothers.

The global financial-services firm, which did business in investment banking, equity and fixed-income sales, research and trading, investment management, private equity, and private banking declared itself bankrupt on September 15, 2008.

2. Worldcom Inc; $103.91 billion

Founded in 1983 as LDDS Communications, Worldcom became America's second-largest long-distance company and the largest handler of Internet data. It is also the US's second largst bankruptcy ever at $103.91 billion!

WorldCom growth was fueled primarily through acquisitions during the 1990s and reached its apex with the acquisition of MCI in 1998.

On November 10, 1997, WorldCom and MCI Communications announced their $37 billion merger to form MCI WorldCom, making it the then largest merger in the US. On September 15, 1998 the new company, MCI WorldCom, opened for business. Later, in 2000, MCI WorldCom renamed itself 'WorldCom'.

WorldCom, plagued by the rapid erosion of its profits and an accounting scandal that created billions in illusory earnings, filed for bankruptcy on July 21, 2002.

3. Enron Corp; $63.39 billion

Fortune named it 'America's Most Innovative Company' for six consecutive years. It was on the Fortune's '100 Best Companies to Work for in America' list in 2000. It was hailed by many, including labor and the workforce, as an overall great company, praised for its large long-term pensions, benefits for its workers and extremely effective management until its exposure in corporate fraud.

Enron Corporation, the Houston based energy giant was originally involved in transmitting and distributing electricity and gas throughout the United States. It remains US's third largest bankruptcy till date: $63.39 billion.

The company developed, built, and operated power plants and pipelines. It owned a large network of natural gas pipelines which stretched ocean to ocean and border to border.

Enron filed for bankruptcy on December 2, 2001.

4. Conseco Inc; $61.39 billion

From a small company set up in 1979, Conseco became one of the largest US home lenders and personal insurers by the late 1990s. Unfortunately, it collapsed under the weight of debts caused by it ambitious expansion and mounting bad loans. At $61.39 billion, Conseco filed for what is US's 4th largest bankruptcy petition.

The Carmel, Indiana-based company has struggled since piling up massive debts in a 1990s acquisition binge under flamboyant founder and chief executive Stephen Hilbert, capped by a disastrous purchase in 1998 of loan firm Green Tree Financial.

That deal exposed Conseco to a mountain of bad loans -- largely on mobile homes and manufactured housing -- which worsened as the economy turned sour.

Conseco piled on even more debt and made problems for itself in the late 1990s by aggressively accounting for gains from securitizing its loans. It later abandoned that practice under pressure from investors, which led to a restatement of several years' profits. That shook Wall Street's confidence in the company, and eventually led to Hilbert quitting in 2000.

The bankruptcy was filed to the United States Bankruptcy Court for the Northern District of Illinois on December 18, 2002.

AND MANY MORE...................

What are finacial instruments and their types???

Financial instruments are cash, evidence of an ownership interest in an entity, or a contractual right to receive, or deliver, cash or another financial instrument

Categorization of Financial instruments

• Cash instruments are financial instruments whose value is determined directly by markets.

Eg:- Loans,deposits,securities etc...

•          Derivative instruments are financial instruments which derive their value from the value and characteristics of one or more underlying assets.    

       Eg:-   options, futures, forwards etc.....

Securities are readily transferable whereas loans and advances require mutual consensus between two parties

Over the counter derivatives (OTC) are contracts that are traded (and privately negotiated) directly between two parties, without going through an exchange or other intermediary.

Eg: Swaps and forward rate agreements

Exchange-traded derivatives (ETD) are those derivatives products that are traded via specialized derivatives exchanges or other exchanges. A derivatives exchange acts as an intermediary to all related transactions, and takes Initial margin from both sides of the trade to act as a guarantee

Eg:-Options, Futures etc.....