Brazil’s FIFA Loss a Huge Setback

Brazil, also the host of FIFA 2014, has been gripped with a spate of controversies. Right from issues with hosting the Cup, amidst huge opposition from its people, to Neymar’s injury, the country seemed doomed says Sachin Karpe.  Stunned fans have taken to streets in protest. After spending a whopping billion dollars in making itself ready for the event, the defeat with Germany has come as a major shock. Semifinal loss is the worst ever loss on the home land. Blame it on lack of confidence caused by Neymar’s injury or a sudden dip in energy levels, but the team did look off-beat in the last match. Previously, Neymar’s catastrophic injury in which his spine got hurt badly, rendering him bed-ridden for months, had done a major damage to the team’s self esteem, which had been banking on the start striker. Expectations were still afloat after the team managed a victory. However, Germany stole the show. The team which gave birth to stars like Pele and Ronaldo, will take some time to recover from the loss. May be in the next Fifa, the team will have its strategies in place. Ill then, it has been doomed to a public outrage and criticisms.

Home Loans Always Bring a Smile! Sachin Karpe Views

“Having your own house brings a sense of pride and accomplishment in a person’s life” says Sachin Karpe while initiating a conversation on home loans. Talking about home loans, for everyone it is a great support but at the same time it is also a tough thing to live with if precautions are not taken in the initial stages. Before applying for a home loan and paying the processing fee one must make sure they analyze the following aspects properly:

1. Knowing the loan eligibility:  The loan amount which is to be sanctioned depends on the person’s income and previous track record when it comes to repaying the loans and credit card dues. Home loan lenders generally provide 80 per cent of the value of the property as the loan amount, subject to their income. They only consider the income heads which can be used to repay your loan. 
2. Check Your CIBIL score: Credit Information Bureau (India) Limited (CIBIL) provides a credit score on a scale of 300 to 900 based on a person’s previous credit card usage, how they maintain their bank accounts, any check bounces, existing loans, uninsured existing loans, loan repayments, number of times a person has applied for a loan or a credit card. Individuals with a CIBIL score greater than 700 are more likely to get a home loan. All the home loan lenders approach CIBIL for this score whenever anyone applies for any type of loan.
3. Type of interest rate: The type of interest rate a person chooses has an impact on the monthly EMIs he or she pays. It is important that people know the difference between fixed rate home loan and floating rate home loan. 
4. Loan tenure: The EMI is calculated on the basis of the amount of the home loan, home loan interest rate and loan tenure. 
5. Read the documents carefully before you sign: Don't let the bunch of home loan documents bog you down and just sign on the dotted lines. Check the documents to ensure that the terms are the same as what you negotiated and agreed upon. Read the documents carefully and know the different charges applicable. Importantly, know the processing fee, late payment fee, etc.

Buying a home is an important personal finance decision for every individual. So Sachin Karpe says before applying for a home loan and paying your processing fee always keep in mind the above points and live a happy and tension free life.

Honda Motorcycle To add 1000 touch points

Although automobile sector saw a dampened growth last year, auto companies look far from expanding their reach. Honda Motorcycle and Scooter India have plans to add another 1000 customer points in this fiscal year, and aim to increase its sales says Sachin Karpe. With a 25% market share in country’s two-wheeler market, its current touch points include dealerships, sub-dealerships and service stations, in a number of 1956, spread across country. 

Lavasa Gears Up Again For An IPO

Subsidiary of Hindustan Construction Company (HCC) Lavasa Corp has decided to go for an IPO yet again says Sachin Karpe. The entity has filed documents with SEBI for the launch of an Initial Public Offering to raise Rs 750 crore. Lavasa Corp has been developing a township in 10,000 hectares in Lavasa near Pune. 

In November, 2010, Lavasa Corporation had got the SEBI clearance for an IPO to raise up to Rs 2,000 crore, but bad market conditions forced the company to scrap the plan.

Leading Millennials in the Workplace

The Millennial Generation or the Generation Y, the ones whose birth years range from the early 1980s to the early 2000s, is extremely different from the generation before us says Sachin Karpe. What has been passed on by the generation before us is the value of hard work and consistency in what we do, while the Gen Y strives to find quick solutions to issues and problems and is a lot more open to experimenting.

While the Gen Y is very serious about their career, their approach differentiates them from ours and our elders. They look to a work profile more flexible yet that gives them the benefits of an MNC. 

Based on my experience of working with a with the millennials at the workplace, I am sharing a few insights on how best you could lead the efforts and energies of this generation to bring out the desired results and also to help them chalk out a clearer vision from a long term career perspective.

Since the millennials are extremely open, dynamic and willing to experiment in their approach, the leader can guide the millennials towards the objectives, the latter will find an innovative and creative approach to driving the same objective explains Sachin Karpe. This is advantageous as companies are consistently in need of fresh ideas and perspectives to deliver newer challenges.

iPhones to Have Bigger Screens

Finally iPhones to have bigger screens, only in China though says Sachin Karpe.Screens to go to 5.5 inch from an erstwhile 4.7 inches, will only be made available in China in the initial phase, around September. As per industry speculations, Apple has been mulling to make bigger screen iphones to combat its rival Samsung as their big screen phones have become very popular in Asia. Hon Hai Precision Industry will recruit over 100,000 people in mainland China to produce the newest iPhone from Apple, said a Taiwanese newspaper. 

Vodafone India Unveils Its Technology Prowess In Pune says Sachin Karpe

Sachin Karpe says Vodafone India unveiled Super Network Operations Centre (SNOC) and Super Network Experience Centre (SNEC) in Pune. SNOC provides an insight into the workings of Vodafone’s 120,000+ sites that enable network coverage across 22 circles remotely under one roof. Spread across 40,000 sq. feet with a housing capacity of 600, the SNOC is equipped with ultramodern amenities such as CO2 monitoring system, specialized photo-hydro ionization (PHI) cells with modern access control and energy efficient fixtures says Sachin Karpe 

Time Management Tips That Work says Sachin Karpe

Time management tips from Sachin Karpe. Carry a schedule and record all your thoughts, conversations and activities for a week. This will help you understand how much you can get done during the course of a day and where your precious moments are going. You'll see how much time is actually spent producing results and how much time is wasted on unproductive thoughts, conversations and actions. Any activity or conversation that's important to your success should have a time assigned to it. To-do lists get longer and longer to the point where they're unworkable. Appointment books work. Schedule appointments with yourself and create time blocks for high-priority thoughts, conversations, and actions. Schedule when they will begin and end. Have the discipline to keep these appointments says Sachin Karpe.

Immediate Stress-Busters Says Sachin Karpe

Breathe slowly and deeply. Before reacting to the next stressful occurrence, take three deep breaths and release them slowly say Sachin Karpe

If you have a few minutes, try out a relaxation technique such as meditation or guided imagery. Whenever you feel overwhelmed by stress, practice speaking more slowly than usual. You'll find that you think more clearly and react more reasonably to stressful situations. Stressed people tend to speak fast and breathlessly; by slowing down your speech you'll also appear less anxious and more in control of any situation.

Jump-start an effective time management strategy says Sachin Karpe

IPL: Winners Kolkata Knight Riders' grand felicitation at Eden Gardens says Sachin Karpe

Memories of the 2012's grand felicitation of Kolkata Knight Riders at Eden Gardens are set to be re-lived with the West Bengal government and Cricket Association of Bengal having planned a similar programme at the same venue. All the roads will lead up to Eden Gardens, KKR's home venue, and the entry will be free for the fans to join the felicitation programme. Eden Gardens gates will be open from 11.30am to 3.30pm and everybody is welcome to join in the grand victory march tomorrow. We have all plans to make the victory doubly memorable. Thousands of KKR fans waving purple-gold flags, and screaming team slogan 'Korbo, Lorbo, Jeetbo Re!' poured into the streets of Kolkata while firecrackers lit up the skyline after the Gautam Gambhir-skippered side won their second IPL title, something that had earlier achieved by Chennai Super Kings says Sachin Karpe

Nearly 400 Million Twitter Users Estimated by 2018 says Sachin Karpe

Twitter Inc's messaging service will have close to 400 million global users by 2018, mostly in Asia, Latin American and the Middle East, consulting firm eMarketer estimated on Tuesday, far short of the 1 billion once expected. The new study by the digital advertising industry research firm suggests that Twitter's user growth will have plateaued in major developed markets within five years. By 2018, user growth in Twitter's key markets of the United States and Japan will have steadily declined to 6.4 and 6.1 per cent, respectively, while its global user count will have reached just 386.9 million users says Sachin Karpe

New Books You Need To Read by Sachin Karpe

"The Goldfinch" by Donna Tartt - When 13-year-old Theo Decker survives an accident that kills his single mother, hes taken in by a wealthy New York family and launched into an affluent Park Avenue world that is completely scary and unfamiliar to him. His only consolation is the last token he has of his mothers: a small, mysterious painting that drags Theo, even through adulthood, into the dark, and ultimately dangerous, underworld of art.

"Pilgrim's Wilderness: A True Story of Faith and Madness on the Alaska Frontier" by Tom Kizzia - Alaskan journalist Tom Kizzia paints a portrait of a power struggle, family dynamics, and deeply-rooted American history in his captivating true story of a live-off-the-land family says Sachin Karpe

Successful Tips from Sachin Karpe to Become a Freelancer

Wish to be a freelancer? Watch out some amazing tips by Sachin Karpe. 

Talk to as many people as you can – you can get the most interesting life and work occurrences come from unscripted interactions with people who start out as complete stranger. 

Pitch to clients you're interested in - Whether you’re a freelance writer, marketer or graphic designer, your clients will be hiring you for your skills, not your comprehensive knowledge of their company or industry.

Value risk - The freelancer's need to constantly produce can lead to one of two emotions. The first is anxiety that you won’t make enough to support yourself without a steady paycheck. 

Forget work-life balance - Or at least forget work-life balance as conventionally defined by vacations, weekends and evenings free from work. Instead, embrace the atypical work-life balance freelancing will give you.

Sachin Karpe Talks about The Psychology of Color in Marketing and Branding

Sachin Karpe Talks about The Psychology of Color in Marketing and Branding. The psychology of color as it relates to persuasion is one of the most interesting--and most controversial--aspects of marketing. First, let's address branding, which is one of the most important issues relating to color perception and the area where many articles on this subject run into problems. There have been numerous attempts to classify consumer responses to different individual colors: . but the truth of the matter is that color is too dependent on personal experiences to be universally translated to specific feelings.But there are broader messaging patterns to be found in color perceptions. For instance, colors play a fairly substantial role in purchases and branding. Perceived appropriateness may explain why the most popular car colors are white, black, silver and gray but is there something else at work that explains why there aren't very many purple power tools? Says Sachin Karpe.

India to become the third largest oil consumer by 2025 says Sachin Karpe

India will become the world’s third largest oil consumer by 2025 according to the US Energy Information says Sachin Karpe Administration (EIA). At present, India is the fourth largest oil consumer in the world behind the US, China and Japan. According to the Energy Outlook India will overtake Japan to become the third largest oil consumer behind the US and China by 2025. India’s oil consumption growth rate will be the highest in the world with a 3 percent compounded annual growth rate from 2012 to 2040 says Sachin Karpe 

Plan your plan by Sachin Karpe

Sachin Karpe explains how to plan your plan. One of the most important reasons to plan your plan is that you may be held accountable for the projections and proposals it contains. That's especially true if you use your plan to raise money to finance your company. Let's say you forecast opening four new locations in the second year of your retail operation. An investor may have a beef if, due to circumstances you could have foreseen, you only open two. A business plan can take on a life of its own, so thinking a little about what you want to include in your plan is no more than common prudence says Sachin Karpe

Tips For First-Time Entrepreneurs by Sachin Karpe

Sachin Karpe share the best tips for the young entrepreneurs for their success from his experience.

Surround yourself with inspiring people—People seek out the information that reinforces their decisions in life. When you commit to following your passion and taking a big risk it can feel threatening to those who have chosen a safer route. 

Ask questions—it’s the only way to learn - You can’t worry about sounding stupid, and you most certainly shouldn't try to figure everything out in isolation. Do your research and know what you don’t know. 

Nail your mission and vision - organize the best information and resources available within the ever-growing sustainability sector, and be the starting point for individuals interested in harnessing the power of business to drive social and environmental progress says Sachin Karpe

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Sachin Karpe Shares the Most Common Financial Fears of Investors

The majority of the people get passionate about money instead of managing it in a logical matter and have the fear about losing money that holds them back in their lives says an ex financial adviser Sachin Karpe. Most of the common fears they have about financial crisis, managing health care insurance, fear of would they be able to finance their children's education and losing their job. 

Every investor or individual should be aware of their investment choice have both financial and emotional consequence. Your feelings are one of the impacts influences your investment decisions. Your fears and emotional desires can lead you to make irrational, illogical investment decisions and they can keep you from making smart decisions on investment. Keep aside the fear and consult an expert financial adviser, banker, lawyer or a friend to help you review and understand your financial documents.  Regardless of what you discover, Sachin Karpe says just through comprehending what the circumstances is, would you be able to manage it and progress in the direction of getting on stronger financial balance.

5 ways to kickstart your career after a break by Sachin Karpe

Sachin karpe shares 5 ways to kick start your career after a break. 'Returnship' programmes - A returnship programme works like an internship and acts as a bridge to get back to job. Companies recruit on a temporary basis, test your skills and train you, so that you can catch up and upgrade yourself. Join a boot camp - Finding a job is tougher when you have taken a break and lost touch with the right people in the industry. Here, return- to work boot camps like the ones by SHEROES and relauncHER, help. These workshops provide a networking platform to accelerate the hiring process says Sachin Karpe.

Evolve or Die in the Age of the Consumer says Sachin Karpe

Know why Sachin Karpe says Evolve or Die in the Age of the Consumer. To make things even more complicated  and challenging, the Age of the Customer is colliding with the big data explosion. 

Companies have become singularly focused on gathering as much data as they can about customers’ buying habits, financial and personal lives, online behaviour and more. In the midst of this information acquisition, many lose sight of customers’ best interests, infringing on their privacy and exposing them to security risks. The companies succeeding in this new age are those putting  pressure on themselves to perform at the highest level for their customers, while also leveraging technology and big data investments to drive operational improvement. Some companies are doing this by getting ahead of their customers, anticipating their needs and delivering a consistently outstanding experience at every point of contact. 

To achieve this high standard, many organizations are turning to omni-channel retailing, which seamlessly blends their physical and digital environments to ensure that the customer experience is consistent and positive, whether a consumer chooses to engage on a mobile device, in a physical store says Sachin Karpe

Things You Should Never Say to Your Employees by Sachin Karpe

When managing employees, sometimes your patience is tested by a lack of motivation, a resistance to what you’re asking or one or more ‘problem’ workers says Sachin Karpe. And just because you’re the boss does not mean you're perfect. Sometimes we all say things we regret later. "I’m the boss. Do as I say." We’re all adults here. You can’t expect that your employees will take to your hypocrisy. If you are setting different standards for your employees than you have for yourself, you can’t expect that they will respect what you ask them to do. "If you don’t like it, I’ll find someone who does." As the manager, you call most of the shots, but that doesn’t give you a license to be a jerk. Anyone can call herself a manager or the boss, but a good one will use leadership skills to motivate employees and deliver results. Threatening employees with losing their jobs, as a way to get them to do what you want, is not sustainable says Sachin Karpe.

Rules For Running Efficient Meetings by Sachin Karpe

Meetings are a major pain point for many of my clients striving to achieve organizational health says Sachin Karpe. The remedy, however, is not fewer meetings; it's more regular and specific ones. The real work of teams is done in meetings. If you're developing a new marketing plan, for example, you can do that through an email exchange, a series of one-on-one sessions, or a team meeting. Each of those will have different outcomes, with the team meeting the most effective both from a time and a result standpoint says Sachin Karpe.

Excuses Shouldn't Stop You From Bringing Your Ideas to Life by Sachin Karpe

Most of us tend to focus on everything we think we can’t do, rather than what we can do. As a result, we never even get started. It doesn't have to be that way! say Sachin Karpe. I've listed some of the most common excuses I hear below -- do any of them sound familiar?

1. I don’t have any experience. The truth is that you need less experience than you think. I bet most successful entrepreneurs would tell you they learned by doing. In fact, I think lacking experience can actually be helpful, because your fresh eyes allow you to see things differently.


2. I don’t have any time. Starting a company is a big commitment, I agree. It takes an incredible amount of time. But there are other ways you can bring your product ideas to life that require very little time, such as licensing an idea. I always tell my students: Don’t quit your day job, because you don’t have to says Sachin Karpe.

How to make money by Sachin Karpe

Sachin Karpe says from thousands of miles away, Silicon Valley can feel like a magic box: normal people enter and out pop billionaires. But the startup ecosystem is much like the Wizard of Oz, where, when you pull back the green curtain, there stands a man. There’s actually a fairly systematic process behind the formation, growth and financial success of many startups. Which is not to say that it is a fool’s errand to launch a successful startup and grow it into a billion-dollar company, but only to say that it has been done, and there is a worn path and a mature ecosystem surrounding this routine.

Sachin Karpe Reveals Your Biggest Weakness

Do you know what hiring managers really want to know when they ask, 'What's Your Biggest Weakness? ask Sachin Karpe. Most hiring managers will at some point pop the dreaded interview question: "What is your biggest weakness?" 

"The underlying question translates to: 'Is there anything I'm missing that could eliminate you from the running?.Since the question has a negative slant, it's designed first to test your mettle, and second, your character. This is why it can be a deal maker or breaker, depending on whether you handle it with thought. They want to test your character. You want to be honest - but that doesn't mean you should provide a laundry list of flaws says Sachin Karpe. They want to make sure you're not a robot. Your interviewer will want to hear a prompt and thoughtful answer. They want to get a sense of your self-awareness. Your response should show the hiring manager that you objectively examine your own strengths and weaknesses.

Sachin Kapre Shares His Secret of Success

To be successful in business, you have to decide on the smaller, more achievable steps that help you work toward it, and then carry them out explains Sachin Karpe
 

That work should begin long before you make your first sale. You need to understand who your customers are and what they want.
 

If you're looking to set up a stall to sell goods, the market research may be as straightforward as asking people in your community what they'd like to buy but are having trouble finding in local shops and stalls. About expanding your business: When you are starting up from such a small sum, it will often be tempting to base your decisions on short-term profit. But that would be short-sighted, because no matter how big or small your business is, the key to success is attracting customers and keeping them coming back says Sachin Karpe.

Recognize how is your business unique by Sachin Karpe

 

 

As with most things in the business world, the size and scope of your business plan depend on your specific goals.
 

If you’re drafting it for investors, you should make the plan more detailed. Be sure to keep in mind that potential investors might not be as familiar with your industry so you have to clearly explain your concept and where it fits in says Sachin Karpe.

What is Shadow Banking? Is it Bad for a Country's Economy? Explains Sachin Karpe.

Sachin Karpe explains the shadow banking system is a network of financial institutions comprised of non-depository banks e.g., investment banks, structured investment vehicles (SIVs), conduits, hedge funds, non-bank financial institutions and money market funds. Shadow banking institutions generally serve as intermediaries between investors and borrowers, providing credit and capital for investors, institutional investors, and corporations, and profiting from fees and/or from the arbitrage in interest rates says Sachin Karpe. The shadow banking system may still be exposing the larger financial markets to excessive systemic risk. While all investments expose the investor to some level of risk, the unknown consequences of having such a large shadow banking system may lead some investors to prefer more conservative investment strategies in the years ahead. Shadow financial institutions still aren't subject to the same regulations as traditional, depository banks. This means they remain highly leveraged, with a high ratio of debt relative to their liquid assets on hand to pay immediate claims. Higher leverage equates higher returns, but it also carries outsized risk.

Tips from Sachin Karpe to Maximize Returns from Your Systematic Investment Plan in Mutual Fund

Many people start an SIP in a mutual fund and terminate it when the market is on the decline. This defeats the very purpose of investing via the SIP. As with any investment, you should link the SIP with a specific financial goal. If you don't keep an eye on your goals, you will invest in a haphazard manner and fall short of your requirements. List your financial goals in order of priority, fix a time frame for achieving these, and finally, quantify each goal in terms of the corpus required says Sachin Karpe. Fund houses allow SIP investments on specific dates of a month. One can provide ECS mandate or a direct debit instruction to be carried out on, say, the 1st, 5th, 15th, or 20th day of a month.

Debunking Some Myths about Mutual Fund by Sachin KArpe

There are thousands of people around who either know very little about investing in mutual funds or are bogged down by the myths surrounding them. Nielsen Company, through its consumer behaviour surveys, has find out some common myths and tried to debunk them, which should make your mutual fund investment process a happy experience says Sachin Karpe. Here are the top 3 sources to purchase mutual funds: Advisors - These are certified to provide financial advice as well as sell mutual funds to investors. Banks - They sell mutual funds through their employees. One can visit a bank to identify the funds and complete the investment process.

Sachin Karpe Shares 3 Stupid Things People Do with Their Credit Card

In today’s era cards have taken over cash. Most of the people use only cards to purchase small to big things whether it’s a credit card or debit card.  It is been calculated that more than 1.5 billion people using credit cards. Though there are lot of cards users, most of them don’t know how to use it wisely. 

Sachin Karpe put a light on few stupid things users do with your credit cards, so that people stop doing mistakes and use credit cards judiciously. 

First thing is ignoring the rewards point which you get from your card on spending.  From your reward points your can pay off travel discounts, holiday discount offers, shopping home items and even some discount coupons where  you can save your few bucks. Make sure you redeem all you rewarding points before it gets expire. 

Second thing is paying late fees which will cost you more than you paid. Once you cross the due date of your payment, automatically the interest rate will raise on your existing balances or on future purchases. Not only that If you keep on paying late payment it will end up on a bad impression on banking sector.  So avoid late payment and always try to pay in time.

Third is taking cash from your credit card. For you it might seem easy to remove cash on your credit card but once you take the cash the next moment you will be charged with high interest rate. There will be no grace period on cash credit and you will be charged.  So Sachin Karpe advices not to use cash credit on Credit cards.

Last but not least, sharing your credit card details over phone. You will never know who is calling and to whom you are passing out your details. Make sure you never do that mistake like passing out your entire details on phone. Bankers never ask for your pin number over phone they just ask you your age, card number, contact number and email address just for verification.  Ensure that you keep all the points in your mind so that you enjoy using credit cards.

How to Create a Stress-free Work Environment Shares Sachin Karpe

In today's economic climate, jobs are hard to come by, companies are stretched thin, and tensions are running high. Develop a wellness program where you have a group fitness instructor come into the office two or three times per week. Research shows that working out can be as effective in helping to increase happiness as anti-depression medication. Working out as an office will build camaraderie says Sachin Karpe. It is really important to find someone who can continuously get feedback from employees and see what is going on. When you have a common goal and are working together, it helps you get stronger. It is a great way to get to know other people and gets people excited and working together on a different level

Sachin Karpe Shares the 5 Common Marketing Mistakes CEOs Make

Most entrepreneurs are experts in software, hardware, or the particular line of business they've chosen to pursue. Most are not, however, expert in the nuances of marketing or public relations. As a result, they may be making mistakes they're not aware of says Sachin Karpe. One must not think of large competitors in your space ,instead, view them as a source of business. Lots of startups believe they'll do well by doing good, so they partner with any local or national charity that strikes their fancy and this can be a big mistake says Sachin Karpe. One must start by telling a story in regional, online, and trade media. Assemble strong third-party testimonials. Rack up some industry awards. Then, when you've proven you really do have something special, have your PR team contact editors of national business publications. There are never any guarantees, but your odds of success will be exponentially better.

Best Occupations for Women

In the course of recent decades women's average pay has expanded to 63%, and now more than a third of housewives are working and procure more than their spouses. It's no astonishment when, in spite of the fact that they were once disheartened from seeking after higher training, ladies now surpass men in accomplishment of single man's and graduate degrees.

Crosswise over areas, ladies keep procuring just 82 pennies for each dollar earned by men, however more they are arriving high-paying proficient employments and narrowing the crevice. A dissection of the average week by week income of full-time American specialists in 2011 by occupation and sexual orientation, as followed by the U.s. Authority of Labor Statistics, indicates the main 20 employments where ladies are procuring the most. All oblige some school and most are gathered in health awareness, science and innovation, and business fields.

Sachin Karpe mentioned some of the best occupation for women as he feels that most of the women are perfect in the following fields. 1. Diagnosing Doctors like Dentists, Optometrists or Physicians. 2. Health Professionals like registered nurses, pharmacists and dieticians. 3. Medical Scientists 4. Lawyers and Judges 5. Actuaries 6. Petroleum Engineers 7. Psychologists 8. Top-Level Managers 9. Counselors and finally 10. Education Administrators.

Things to Consider Before Presenting a Presentation by Sachin Karpe

To be a good presenter, you must be prepared. A little advance work can go a very long way when it comes to delivering a compelling, memorable, high-impact presentation says Sachin Karpe. Here are the five key things you need to know before you present – You must know your audience as you have to create the presentation form their perspective, Know Your Material – you have to be familiar with the content you are presenting, you may lack confidence during your delivery, or end up reading directly from notes to avoid making mistakes, know your strengths and weaknesses - stick to what your good at, and deliver your presentation in a way that plays up your proven strengths and you should know what “Plan B” is as disaster can strike at any time before or during your presentation.  You’ll need to know – in advance – how you will handle certain situations. 

Sachin Karpe Advices on How Much Percentage of Income Should Be Saved Every Month

Saving money is the wisest thing to do. It not only depicts a good sense of finance but also hints towards the value of money. Saving money has its own advantages and it needs to be adopted everyone, quips Sachin Karpe. You need not be a financial guru to do it but, it should come inherently. Mostly driven by the thought of what when the inflow of money stops? Do I have enough money for contingency or regular expenses? So, it is ideal to save some amount monthly. Say, a 30 percent of your monthly income. One must follow a ground rule of saving first and then spending. It does not take much effort. Create a separate bank account and deposit the 30 percent in it. That way your money will increase also with the help of interest accrued. At the end, when you find yourself in some unforeseen circumstance, you will feel better to have a back-up ready and, probably pat your back for the wise decision you made, says Sachin Karpe while encouraging people to save money.

What is the Difference Between Shares and Stocks?

Shares and stocks are understood as same. While contextually they mean the same, by rule of books, they have different from each other.

Sachin Karpe throws some light on their difference.

Shares: Shares always have an equal denomination. They are a total number of units into which capital of company is divided.

Example: If paid up capital of company is Rs. 100,000, it can distribute 1000 shares of Rs. 10 each.
They have a nominal value and can be paid partly / fully.

Sachin Karpe explains further.

Stocks: Stocks are nothing bust assets in the form of cash reserve that can be divided into any desirable figure.

Example: company receives Rs. 100,000 as external investment and decides to keep Rs. 50,000 separately for issuing stock options to employees (ESOPs). It can issue 50,000 stocks of Rs. 1 each, 100,000 stocks of Rs. 0.50 each or any other combination. These are fully paid and can be split into unequal amounts.

Profit booking seen upwards at the stock market

The last hour sell off witnessed in the previous trading session on Thursday continues into today’s opening as well, with most of the indices down 0.50%. very clearly, in the absence of FII participation, local market participants seem to be taking some profits off the table, particularly in counters and sectors that have seen sharp run up towards the end of CY13. Banks and Cap Goods particularly are the ones where the profit-booking impulse seems to be sharper, with IT and PHARMA continuing to offer a defensive stance to portfolios. The start of the year has also seen some firming up on the US equity markets and that augurs well for frontline IT Co’s like INFY, TCS, HCLTECH in days to come. Mid caps continue to offer value to the long term investors and any volatility in the markets will offer decent entry opportunities for investors who may have missed out on accumulating some of the strong contenders in the mid cap space such as CROMGREAVES, VOLTAS, UNITED SPIRITS, VIP, JUSTDIAL, etc. Buying into dips till about 6000 levels should be the ideal strategy going forward.