Kishan's blog

Executive Summary I believe Vodafone Idea has a potentially underappreciated opportunity: target the large segment of Indian consumers for whom reliable 4G is already sufficient, rather than competing primarily on 5G speed. The transition from 3G to 4G created a major improvement in everyday smartphone usage. However, for activities such as WhatsApp, browsing, UPI, Maps, social media, YouTube and video calls, a good 4G connection already provides more than enough performance for many users. Instead of treating 5G as the default upgrade for everyone, Vi could position reliable, high-quality 4G at an attractive price as a deliberate value proposition. The strategy would not mean abandoning 5G. Vi could deploy 5G where it improves capacity, serves premium users or creates clear commercial value, while prioritising 4G coverage, capacity and reliability for the broader value segment. The proposition is simple: «“You don't need the fastest network. You need a network that works reliably ...

My Experiment With the Nifty Smallcap–Nifty 50 Ratio I recently came across an interesting strategy by M. Pattabiraman (Pattu) of Freefincal for reducing the risk of small-cap investing. The basic idea is to compare the relative performance of the Nifty Smallcap 250 TRI and Nifty 50 TRI using a normalized ratio. I want to be clear at the beginning: this is my own experiment, not an improvement or criticism of Pattu's method. I am simply testing what happens when the same idea is applied differently. My respect and credit to Pattu for the original idea and the detailed explanation. Pattu's original Freefincal article What is the ratio? I normalize both indices to the same starting value and calculate: Ratio = Normalized Nifty Smallcap 250 TRI ÷ Normalized Nifty 50 TRI A higher ratio means small caps have performed relatively strongly compared with Nifty 50. Pattu uses 1.30 as a trigger in his example. I tested two approaches 1. SIP-only I invest ₹10,000 every month. Ratio b...

Search "Modi" or "India" on a foreign news aggregator and you might think the country revolves only around protests, political controversies, and criticism. But ask yourself: Is that really everything that happened today? Probably not. On the same day, there may have been government decisions, infrastructure projects, diplomatic meetings, economic announcements, scientific achievements, or policy reforms. Yet many of these stories never appear because algorithms reward what gets the most attention—not what gives the most complete picture. This isn't about rejecting foreign media. It's about recognizing their limitations. Foreign news organizations write primarily for international audiences. News aggregators then amplify the stories receiving the widest global coverage. The result is often a narrow window into a country that is far more complex than a day's trending headlines. The real danger isn't always fake news. It's s...

Just came across this article in Economic times  https://economictimes.indiatimes.com/wealth/invest/hurry-this-lic-pension-scheme-that-can-provide-rs-10000-a-month-will-end-march-31/articleshow/74209003.cms A simple google search, I found out these facts about Pradhan Mantri Vaya Vandana Yojana. Turns out this scheme is a wonderful pension plan for people above 60+ age Minimum investment = 1.5 lakh. monthly pension = Rs. 1,000 ** Maximum investment = 15 lakh  monthly pension = Rs15,000 ** Mimimum age of applicant = 60 years Maximum age of applicant = Nil The investment amount will be returned after 10 years to the investor or Nominee. Bad news: As per the above economic times article, this scheme is not getting extended after 31st March 2020. So hurry up and inform all retired people you know to invest in this plan. BTW. it yields 8% per year. Which I think is the highest in current scenario. This scheme can be bought either online or offline. Discliamer: 1...

With more and more awareness among people about Mutual funds, the next question comes to mind is, How to invest in Mutual funds, There are many ways you can do it, One of them is MF utilities.  1. Go here and fill forms https://www.mfuindia.com/eCANFormFill                     ->You will get a mail (mostly in gmail spam) with a link to upload documents 2. Take a Pic of PAN card, cancelled Cheque and Address proof document (like DL) and upload in the link you get in your mail 3. You will get a CAN allotment number in couple of days 4. After getting CAN number, send a email to clientservices@mfuindia.com and request for online ID and password           -> You will get an ID password in 2-3 days 5. After getting ID and password you can use https://www.mfuonline.com/ or their android app for transactions.  Following video illustrates how to transact in MF Utilities. * Mutual ...

I was shocked to hear in the documentary “Partition: The Day India Burned” that British left India because it was economically in a very bad condition after the World War II. But as Kids we were taught in school that India got independence because of Gandhi’s Nonviolence movement or Quit India movement. But 99.99% of the Indians today do not know the truth.  Why did British really leave India?  The answer is, it is because of several other reasons other than the Nonviolence or Quit India or Satyagraha.  If you search around the net for the reason why India got it independence, you will get the actual factors.  These thoughts came to me after I read latest post in Francois Gautier’s blog article “HINDI-CHINI BYE-BYE” which has the following Lines One should be realistic and learn from Swami Rama Thirtha, a great sage of the beginning of the century :”The policy of appeasement is never successful. It increases the demands of the bully and encourage...

Came to know appreciable work from Akshaya Patra foundation by forwarded mail. Please visit their website for more info. They say Rs.525 is enough to Feed a kid throughout an year. I request one and all to take a look at their website, photo galleries, videos and donate as much as possible. Kindly spread this message. Children are being fed everyday! I donated and made a difference! YOU can do it too. http://www.akshayapatra.org http://www.youtube.com/watch?v=ZKjMQlIajOI&feature=player_embedded http://www.akshayapatra.org/onlinedonations

(click on the image above for an enlarged view) If your time is bad, even windows will ask you to wait 128 years to copy 1.19MB. But in life always remember, things are not so bad as it looks. It just got copied in 2 minutes :)

Kasab verdict a clear message to Pak-based terror outfits: Antony Soon after the death sentence of Kasab our defence minister AK Antony said, "It has been proved by this judgment that under the present law itself, if there is a will, we can take stern action...We can send a proper message to all those criminals and terrorists,'' Its really surprising to see such a message from the Defense Minister,... I don't understand What is the message going out to the people who are mentally prepared and have decided to die for their so called cause. Dying by gunshot or getting hanged after months of court trail and days in Jail makes no difference to them. The minister says we can take stern action? what is the stern action sir?? he is stating that "We can take stern action...." I don't get what is that stern action? Do you think getting a death sentence from court after 17 months is a stern action? On the other side Home minister Chidambaram is proud of the system...

Check out the research done by Paul Adams, user research lead @ Google. Download and see the following presentation Bridging the gap between our online and offline social network View more presentations from Paul Adams .

This is a must read inspiring autobiographical essay written by Mr Venkatraman Ramakrishnan, who was awarded the Nobel prize and Padma Vibhushan award. From Chidambaram to Cambridge: solving the 30S subunit structure of the ribosome

Was listening to FM 106.4 Gyan Vani in radio today. I was stunned to know the following facts. 1. Out of the the total available water on earth, only 1% is pure and we are using. 2. We are using ground water (Wells and bore wells) 10 times more than the actual amount which it should be used. 3. After Rajastan, Karnataka is the second state which has highest amount of dry land in India. There is too much of scarcity for water in Most of the parts of Karnataka (esp. Northern parts.) People pay Rs.10 for one can of water. 4. We will be running out of river water as well as ground water from wells and bore wells in few years. 5. No company in India sells Mineral water. They are just selling Drinking water. It cannot be termed Mineral water. If any company is selling water under the name of Mineral water, it is a crime. And they mentioned that actual Mineral water will cost Rs.40 per liter. 6. According to Indian constitution drinking its a fundamental ri...

Pollution, Global warming, Raising sea lever, Melting Polar ice caps, delayed monsoons, Mining in forests, Ozone layer depletion and lot more... I think we have enough reasons to think green now. Let’s all start the year 2010 with lots and lots of Green initiatives, thoughts & actions. Lets us fight climate change and move ahead in the path of a greener planet. Let’s take a common resolution this year I.e. Let’s go green. http://www.wisebread.com/whats-your-green-resolution http://www.goodhousekeeping.com/home/green-living/ways-to-go-green http://teenadvice.about.com/od/stayinghappy/tp/10_ways_for_teens_to_go_green.htm

A forwarded message from a friend of mine.... An interesting reflection: Slow Down Culture……… Author unknown: It's been 18 years since I joined Volvo, a Swedish company. Working for them has proven to be an interesting experience. Any project here takes 2 years to be finalized, even if the idea is simple and brilliant. It's a rule. Globalize processes have caused in us (all over the world) a general sense of searching for immediate results. Therefore, we have come to possess a need to see immediate results. This contrasts greatly with the slow movements of the Swedish. They, on the other hand, debate, debate, debate, hold x quantity of meetings and work with a slowdown scheme. At the end, this always yields better results. Said in another words: 1. Sweden is about the size of San Pablo, a state in Brazil. 2. Sweden has 2 million inhabitants. 3. Stockholm has 500,000 people. 4. Volvo, Escania, Ericsson, Electrolux, Nokia are some of its renowned companies. Volvo supplies the NA...

Some of our politicians have been tirelessly busy to do something new to get publicity. Rahul Gandhi was recently found doing one of that stuff. What makes these people think that we are still illiterates? These tactics worked will for his ancestors because literacy rate in our country was very less. No we are proud to say that our literacy rate has come up to 75.85% male and 54.16% female from 27.16% male and 8.86% female at 1951. http://infochangeindia.org/200210025866/Education/Statistics/Literacy-rates-in-India-1951-2001.html Opposition parties again started barking for the similar action by Rahul Gandhi’s followers. I am a fan of Lalu for his statements like this http://beta.thehindu.com/news/national/article20716.ece?homepage=true Well I say, People read whatever the media highlights, I see it funny to see so many debates happening over this silly issue. Even I shouldn’t have wasted this space in my blog over the stupid act, but couldn’t resist: P. But do read this article which ...

Eighty-eight-year old Linda Yasuko Morikouchi at her home in East Vancouver. Morikouchi, who still teaches Japanese, was headed back to Hiroshima from Manchuria when some Japanese soldiers told her about the dropping of nuclear bombs. http://www.theglobeandmail.com/news/national/british-columbia/bc-woman-remembers-hiroshima/article1242713/ do not miss the last line.....

Some words of wisdom to be read once a while: http://www.citehr.com/152861-words-wisdom.html

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The following are some of the interesting lines contributed by various people in the orkut community ganchali bidu kannada maataadu. http://www.orkut.com/Main#CommMsgs.aspx?cmm=11014318&tid=2497776709605724692&start=1 • athi vega...thithi bega.... • no a/c only hand signal !!! • Avalu nakalu naan Sothe Avalu Sikalu naan Sathe... • silent aagidre seena tele ketre GUNNA • Auto hindhe hodru hogene.. hudugi hindhe hodru hogene..... • STOP. nanna ninna naduve antaravirali. • love sikidrey success story ella andrey crime story • aaga thirugi nodi nakkalu eega mane tumba makkalu • Yella ok.. auto ghe 3 chakra yake?

Recommended for all Non - Vegetarians. PS: Weak hearted Vegetarians stay away