Kickstart is a not-for-profit initiative aimed at promoting entrepreneurship and they plan to kickstart your Sunday with a special edition of Startup Saturday at IIM Bangalore on 2008June15 (this sunday), with a program targeted at new start-ups and aspiring entrepreneurs.
The event is all about introducing the concept of entrepreneurship in a more scientific manner, along with the stages & challenges of entrepreneurship, product development, choosing appropriate technology, various sources of finance & selling one’s concept to a VC, preparing a Business Plan, etc.
Some of the speakers you will hear include :
1) Dr. Mohan Tambe, CEO, Innomedia Technologies, Bangalore.
2) Mr. Raghunathan Perumal, CEO, Agile Labs, Bangalore.
3) Mr. Sujai Karampuri, CEO, Sloka Telecom, Bangalore.
4) Prof. Suresh Bhagvatula, NS Raghavan Centre for Entrepreneurial Learning, IIMB, Bangalore.
5) Mr. Rajeev Kumar, Serial Entrepreneur, Bangalore.
and they will give you gyan about ::
Talk 1. Entrepreneurs and Entrepreneurship
Talk 2. Idea Validation
Talk 3. Business Plan – Basics
Talk 4. The Founding Team
Talk 5. Technology and IPR
Talk 6. Product Management and Marketing
Talk 7. Legal aspects of setting up your own company
Talk 8. Selling + How to talk to a VC + Alternate sources of funding, followed by Panel Discussion
If you plan to attend, register here or send your confirmations to amitsingh.mail@gmail.com or raja.rajeevkumar@gmail.com.
Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts
Your guide to a career in online tutoring
Gone are the days when tuition classes meant long hours after school with a bespectacled, cane-wielding tutor, for tutorials are now available on the Internet and tutors today are smart and tech-savvy.
Anushree holds a Bachelors degree in Science. She teaches Biology to a student in the UAE via video conferencing. Just a couple of hours a day, and Anushree can earn as much as Rs 10-15,000 a month.
"Timings are flexible and there are no geographical boundaries. I can pursue something else alongside," Anushree says explaining the job benfits.
It may not sound glamorous enough, but e-tutoring is a booming industry, with students from UK, USA, UAE and India logging on to seek help with their Math and Science homework.
And as schoolteacher Deepika, who’s also a part time e-tutor, explains, a huge advantage of the job is that you can work with an e-tutoring company either on a full-time or part time basis.
"Neither the students nor I have to travel. It's the same as teaching one-on-one as both the audio and visual elements are there,” she explains.
So if you are someone with a strong hold on a particular subject and good communication skills, e-tutoring could be a good career option for you. Of course, being adept with technology and Internet tools would be an added advantage.
"We look for qualified professionals and prefer a Masters degree,” founder director Learning Curve Chadan Agarwal says.
Even though it's not a prerequisite, it may also be a good idea to get a B. Ed, B. El. Ed degrees.
Although most universities offer a B. Ed course, some of the better ones are: Jamia Milia Islamia, All India B. Ed College, National Council of Teacher Education and Indraprastha University.
- from www.ibnlive.com
Successful investment practices for an equity investor
Equity investment is a must have in one's portfolio if he is serious on accruing wealth. Lots of time time to research and good amount of patience required (read this article, the Requirement of patience by an investor) to an equity investor to succeed. Here are some best practices for investors who's serious on direct equity investment. For simplify, these practices divided to three, self assessment, fundamental research and profit analysis as well as some best practices:
Self assessment
1. What is your investment objective?
2. What is your perspective? Long term or short term? (To get profit from equity investment, one should have a long term perspective. It is advisable to have a 5 to 10 years time perspective for a successful investor to double his money or receive proper returns from his stock investments. Building wealth is not an hour, a day or some months process. It is a time taken process)
3. What is your risk profile? Can you bear a lose of 35 to 45% of capital in case of fluctuations and market volatility? If not, direct stock investment is not yours. You can go with debt instruments that is providing guarantee to capital but low returns.
4. What is you goal while investing in equities? It may be higher study, marriage of your daughter, buying a home, vehicle or even a holiday in later years.
5. Do you have enough knowledge about stock market, how it is working and its various cycles?
6. Are you starting your investment in early years? Ideally, subtract your age from 100 and the resulted percentage of your money should be in equity. If you are near to the pension age, it is not your choice but go for debt or secure investments like fixed deposits, debt funds etc.
Fundamental Research
While selecting a company to invest in their stock, you should acquire reasonable knowledge about the company, product, management, competitors, market status etc.. Below self assessment questionnaire help you to identify and decide whether the company is best to invest or not?
1. Are you better aware about the company? When did the company established and what is their history?
2. What are their businesses/services portfolio? Is that legal?
3. Is the product or services portfolio diversified well enough to confirm market status in case any produce or service failure occurred in future?
4. Is the company's business/service quality is enough to retain market trust for long term compare with similar product or services in the market?
5. Who are the main competitors?
6. How competitors product or service compare with? Is that better or less compare with?
7. How well the company management?
8. How innovative the company is, for product and services?
9. How many locations the company have factories or manufacturing units?
10. Do they have an international business and in that case do they have any facilities other than your country as well as how well their product movement in other markets?
11. What are their major profit source?
12. What is the share holding status? Do any foreign investments made on the company? Is there any reputed financial institutions/banks holding their shares?
13. How well the management completing the future plans declared in the company annual general meetings?
14. Do they have an investor friendly atmosphere?
15. Do they providing proper informations to investors about major activities as well as respecting their investors?
16. Is there any legal actions against the company or any pending cases against them?
17. In case of legal proceedings in the past, what are the reason and how company faced them?
18. do they have received any resistance or rejection from govt authorities in the past or present about any of their product or services?
20. Is there any labor issues within the company?
21. How the satisfactory level of staff those who working with company? This information you can receive by approaching those who are working with company. Always ask to 5 or more people.
As a most important factor, you should be well aware about companies business style and the network all over country and internationally.
Profit Analysis
To analyze the profit, you are required to collect informations from the companies or stock exchanges. This includes the Annual Report and financial reports for last few years (minimum 5 years). This will be available from various financial sites too.
1. What are the profit sources to an investor from the company in the past?
2. Are they a consistent dividend payer? (Check the dividend history for last 20 years and find out any failure occurred in any years withing this 20 years. A history of paying dividend continuously these 20 years, you can confirm that the company is a good dividend payer.)
3. What is the dividend percentage and is that increasing or decreasing year to year?
4. Does the company giving bonus issues to their investors?
5. What are the sales growth for last five years at least? Are they maintaining the sales growth consistency year to year?
6. What is the profit growth rate in an year to year? Are they maintaining the year to year profit consistency continuously? (If the company continuously have a minimum 25% growth in sales and net profit year to year, it can be a considerable point to buy the stock)
7. What is the Debt to Equity Ratio? This is a measure of the total debt a company owes compared to the equity of the shareholders. It tells you just how much of the capitalization is the owners vs. the creditors
8. What is the ROE (Return on Equity) ratio? This reveals how much profit a company earned in comparison to the total amount of shareholder equity on the balance sheet. For those of you interested in long-term investing with rich rewards, companies that have high return on equity ratios can provide the biggest payoff.
9. What are the Current Ratio? It serves as a test of a company's financial strength and relative efficiency
10. What is the Asset Turnover Ratio? The asset turnover financial ratio calculates the total sales for each dollar of asset a company owns. It measures a company's efficiency in using its assets.
11. What is the PBR (Price to Book value) Ratio? (A ratio used to compare a stock's market value to its book value. It is calculated by dividing the current closing price of the stock by the latest quarter's book value per share. A lower P/B ratio could mean that the stock undervalued. However, it could also mean that something is fundamentally wrong with the company. As with most ratios, be aware that this varies by industry.)
As well as the above, find out the PE ratio (A valuation ratio of a company's current share price compared to its per-share earnings. This is calculating by dividing the Market Value per share with EPS (Earning per share). An Example: if a company is currently trading at $43 a share and earnings over the last 12 months were $1.95 per share, the P/E ratio for the stock would be 22.05 ($43/$1.95). Compare this ration with competitor companies will give you an exact idea about the stock is under values or over valued.
12. Wheather the EPS, Earning Per Share, of the company increasing and year to year basis?
There are more ratio analysis available for understand a companies growth and profit screening. As an ordinary investor with less financial background, you can research the above mentioned ratios and that will give you the required information about the company and the possibility of profit in a long term run.
Some Don't while investing in Equity
1. Don't believe the analysts and tips from public
2. Don't follow public
3. Market will fluctuate always. Required enough patience to have good profit in the future.
4. Buy when others are selling and sell when others are buying.
5. Don't over diversify. Have enough diversification between Large, mid and small cap companies as well as among multiple industries.
6. Don't buy small number for stocks to test. Once if you found a very good company, go an buy the maximum possible buy you.
7. Don't buy any stocks without doing proper research from all angles.
If possible, buy and read some very good books available in the market. For starters, "Buffet: Making of an American Capitalist" is a good buy. Peter Lynch's "Once upon the Wall Street" will give you good ideas that an investor must have. Read my article "One up on wall street by Peter Lynch - The investors best friend" to have a look on what he said in this best seller.
Have better idea about Margin of Safety advice from Benjamin Graham. Read his Last will and Testament, a set of best available advices from Legend investor to investors those who investing in equities. The great book: Interpretation of Financial Statements from Benjamin Graham will be a very good guide for you to properly analyze the financial ratios.
Self assessment
1. What is your investment objective?
2. What is your perspective? Long term or short term? (To get profit from equity investment, one should have a long term perspective. It is advisable to have a 5 to 10 years time perspective for a successful investor to double his money or receive proper returns from his stock investments. Building wealth is not an hour, a day or some months process. It is a time taken process)
3. What is your risk profile? Can you bear a lose of 35 to 45% of capital in case of fluctuations and market volatility? If not, direct stock investment is not yours. You can go with debt instruments that is providing guarantee to capital but low returns.
4. What is you goal while investing in equities? It may be higher study, marriage of your daughter, buying a home, vehicle or even a holiday in later years.
5. Do you have enough knowledge about stock market, how it is working and its various cycles?
6. Are you starting your investment in early years? Ideally, subtract your age from 100 and the resulted percentage of your money should be in equity. If you are near to the pension age, it is not your choice but go for debt or secure investments like fixed deposits, debt funds etc.
Fundamental Research
While selecting a company to invest in their stock, you should acquire reasonable knowledge about the company, product, management, competitors, market status etc.. Below self assessment questionnaire help you to identify and decide whether the company is best to invest or not?
1. Are you better aware about the company? When did the company established and what is their history?
2. What are their businesses/services portfolio? Is that legal?
3. Is the product or services portfolio diversified well enough to confirm market status in case any produce or service failure occurred in future?
4. Is the company's business/service quality is enough to retain market trust for long term compare with similar product or services in the market?
5. Who are the main competitors?
6. How competitors product or service compare with? Is that better or less compare with?
7. How well the company management?
8. How innovative the company is, for product and services?
9. How many locations the company have factories or manufacturing units?
10. Do they have an international business and in that case do they have any facilities other than your country as well as how well their product movement in other markets?
11. What are their major profit source?
12. What is the share holding status? Do any foreign investments made on the company? Is there any reputed financial institutions/banks holding their shares?
13. How well the management completing the future plans declared in the company annual general meetings?
14. Do they have an investor friendly atmosphere?
15. Do they providing proper informations to investors about major activities as well as respecting their investors?
16. Is there any legal actions against the company or any pending cases against them?
17. In case of legal proceedings in the past, what are the reason and how company faced them?
18. do they have received any resistance or rejection from govt authorities in the past or present about any of their product or services?
20. Is there any labor issues within the company?
21. How the satisfactory level of staff those who working with company? This information you can receive by approaching those who are working with company. Always ask to 5 or more people.
As a most important factor, you should be well aware about companies business style and the network all over country and internationally.
Profit Analysis
To analyze the profit, you are required to collect informations from the companies or stock exchanges. This includes the Annual Report and financial reports for last few years (minimum 5 years). This will be available from various financial sites too.
1. What are the profit sources to an investor from the company in the past?
2. Are they a consistent dividend payer? (Check the dividend history for last 20 years and find out any failure occurred in any years withing this 20 years. A history of paying dividend continuously these 20 years, you can confirm that the company is a good dividend payer.)
3. What is the dividend percentage and is that increasing or decreasing year to year?
4. Does the company giving bonus issues to their investors?
5. What are the sales growth for last five years at least? Are they maintaining the sales growth consistency year to year?
6. What is the profit growth rate in an year to year? Are they maintaining the year to year profit consistency continuously? (If the company continuously have a minimum 25% growth in sales and net profit year to year, it can be a considerable point to buy the stock)
7. What is the Debt to Equity Ratio? This is a measure of the total debt a company owes compared to the equity of the shareholders. It tells you just how much of the capitalization is the owners vs. the creditors
8. What is the ROE (Return on Equity) ratio? This reveals how much profit a company earned in comparison to the total amount of shareholder equity on the balance sheet. For those of you interested in long-term investing with rich rewards, companies that have high return on equity ratios can provide the biggest payoff.
9. What are the Current Ratio? It serves as a test of a company's financial strength and relative efficiency
10. What is the Asset Turnover Ratio? The asset turnover financial ratio calculates the total sales for each dollar of asset a company owns. It measures a company's efficiency in using its assets.
11. What is the PBR (Price to Book value) Ratio? (A ratio used to compare a stock's market value to its book value. It is calculated by dividing the current closing price of the stock by the latest quarter's book value per share. A lower P/B ratio could mean that the stock undervalued. However, it could also mean that something is fundamentally wrong with the company. As with most ratios, be aware that this varies by industry.)
As well as the above, find out the PE ratio (A valuation ratio of a company's current share price compared to its per-share earnings. This is calculating by dividing the Market Value per share with EPS (Earning per share). An Example: if a company is currently trading at $43 a share and earnings over the last 12 months were $1.95 per share, the P/E ratio for the stock would be 22.05 ($43/$1.95). Compare this ration with competitor companies will give you an exact idea about the stock is under values or over valued.
12. Wheather the EPS, Earning Per Share, of the company increasing and year to year basis?
There are more ratio analysis available for understand a companies growth and profit screening. As an ordinary investor with less financial background, you can research the above mentioned ratios and that will give you the required information about the company and the possibility of profit in a long term run.
Some Don't while investing in Equity
1. Don't believe the analysts and tips from public
2. Don't follow public
3. Market will fluctuate always. Required enough patience to have good profit in the future.
4. Buy when others are selling and sell when others are buying.
5. Don't over diversify. Have enough diversification between Large, mid and small cap companies as well as among multiple industries.
6. Don't buy small number for stocks to test. Once if you found a very good company, go an buy the maximum possible buy you.
7. Don't buy any stocks without doing proper research from all angles.
If possible, buy and read some very good books available in the market. For starters, "Buffet: Making of an American Capitalist" is a good buy. Peter Lynch's "Once upon the Wall Street" will give you good ideas that an investor must have. Read my article "One up on wall street by Peter Lynch - The investors best friend" to have a look on what he said in this best seller.
Have better idea about Margin of Safety advice from Benjamin Graham. Read his Last will and Testament, a set of best available advices from Legend investor to investors those who investing in equities. The great book: Interpretation of Financial Statements from Benjamin Graham will be a very good guide for you to properly analyze the financial ratios.
12 golden investment rules each investor should keep in mind
1. Obtain the written documents for the particular prduct that explaining the investment information.
2. Read and understand such documents carefully prior to make any investment decisions
3. Verify the legitimacy of the investment
4. Find out all the costs and possible benefits associated with the investment
5. Assess the risk-return profile of the investment to take proper decisin and peace in mind about your money.
6. Know the liquidity and safety aspects of the investment to identify the possible traps when trying to sell or quit the product.
7. Ascertain if it is appropriate for your specific goals. You should have a specific goal befor making any investment and should be well aware about the possibility to attain those goals with the present investment.
8. Compare these details with other investment opportunities available. It is always best to compare the procut with its peers. This will hep you to indentify the product performance and possibile returns from the invesment.
9. Examine if it fits in with other investments you are considering or you have already made. Balancing is the major part in investment world. This is depends upon your risk profile, goal as well as age.
10. Deal only through an authorised intermediary. This will protect you from any future problems that require direct contact.
11. Seek all clarifications about the intermediary and the investment. Upon making any investment decisions, you should have questions in your mind about any angles of the product or investment. Befor comiting any investment, you are required to clarify those doubts with the proper personnel or firm.
12. Explore the options available to you if something were to go wrong, and then, if satisfied, make the investment. Once you have clarified your doubts about the investment as per the point 11, this part will be easy for you.
2. Read and understand such documents carefully prior to make any investment decisions
3. Verify the legitimacy of the investment
4. Find out all the costs and possible benefits associated with the investment
5. Assess the risk-return profile of the investment to take proper decisin and peace in mind about your money.
6. Know the liquidity and safety aspects of the investment to identify the possible traps when trying to sell or quit the product.
7. Ascertain if it is appropriate for your specific goals. You should have a specific goal befor making any investment and should be well aware about the possibility to attain those goals with the present investment.
8. Compare these details with other investment opportunities available. It is always best to compare the procut with its peers. This will hep you to indentify the product performance and possibile returns from the invesment.
9. Examine if it fits in with other investments you are considering or you have already made. Balancing is the major part in investment world. This is depends upon your risk profile, goal as well as age.
10. Deal only through an authorised intermediary. This will protect you from any future problems that require direct contact.
11. Seek all clarifications about the intermediary and the investment. Upon making any investment decisions, you should have questions in your mind about any angles of the product or investment. Befor comiting any investment, you are required to clarify those doubts with the proper personnel or firm.
12. Explore the options available to you if something were to go wrong, and then, if satisfied, make the investment. Once you have clarified your doubts about the investment as per the point 11, this part will be easy for you.
ProServe
ProServeProServe is Chennai based Software Development Company providing all kind of IT services for enterprise application development for companies ranging from Global to promising startups, proven expertise in technology.
We name ourselves “Proserve” as combination of both product and services. Our emerge product lines on shopping 2.0 is yet to be announced, and our redefined services to make our customer needs to hit their market with future vision is kicked off for customers.
ProServe is very much focused on delivering best and most cost-effective, customized solutions to our clients in all perspective . We are dedicated to delivering solution in leading cutting edge technologies and open source. We believe our customers to evaluate their Business needs with our innovative IT solutions by individualized clients care.
The Development Methodology is an approach to the entire SDLC that has been derived from 'best practices' over a number of years.
-Understanding the business goals of our clients
-Requirements gathering
-Evaluation of project requirements
-Document of understanding with client
-Selection of best technology solutions
-Creation of detail design document
-Rigorous test plan and quality assessment
-Scope Change and Modifications
We name ourselves “Proserve” as combination of both product and services. Our emerge product lines on shopping 2.0 is yet to be announced, and our redefined services to make our customer needs to hit their market with future vision is kicked off for customers.
ProServe is very much focused on delivering best and most cost-effective, customized solutions to our clients in all perspective . We are dedicated to delivering solution in leading cutting edge technologies and open source. We believe our customers to evaluate their Business needs with our innovative IT solutions by individualized clients care.
The Development Methodology is an approach to the entire SDLC that has been derived from 'best practices' over a number of years.
-Understanding the business goals of our clients
-Requirements gathering
-Evaluation of project requirements
-Document of understanding with client
-Selection of best technology solutions
-Creation of detail design document
-Rigorous test plan and quality assessment
-Scope Change and Modifications
Services
Our services relevant to industries needs, with envisioning tomorrow’s needs, with ensuring the values of our implementation from the bottom line!
ProServ provides the services in the area of
Web Application Development (All Perspective)
Application Development with SDLC approach
Migration from anywhere to anywhere
Re-engineering
Application Maintenance
Production Support Product Configuration & Implementation
Project Management
Requirement Management
Delivery Management
ChangeManagement
Technology Management
Finding & evolving new technologies & concepts
Architecture & Framework Development
The main Verticals we work so for are;
E-Learning
Education
Insurance
Media & Entertainment
Application development and web solutions,
Product solutions Software Histroy taught as one great thing beyond the change which is constant. Cross cutting technologies needs lot more agile integrations which require yesterday technologyexpect to become today’s techno savvy, to provide tomorrow technologist.
We offer various offshore relationship models for Independent Software Vendors (ISVs), IT departments, computer software & web development companies to start and build an outsourcing partnership.
Our engagement models are based on your individual needs and span across project based engagements, to building your own - team of dedicated software developers, offshore development center or forming your own software company / subsidiary in India
Top 10 Qualities required by a good financial advisor
The major obstacle for an investor is the search to identify a good financial advisor. I am giving you and idea about the personal and career qualities highly required by a good financial advisor to choose him as your own.
Personal Qualities
1. He should be well qualified and have master knowledge in his area
2. He should have considerable experience as a financial advisor with successful performance background.
3. He should have a passion to the work and should not be lazy. He should have well idea and knowledge about the services and products available in the market to select the best among them for a customer.
4. He should be accessible by a customer at any time.
5. A good financial advisor should not be greedy or only profit minded fellow.
6. He should have enough feedback from his satisfied customers to add glory to his career.
Career Qualities
7. He should be able to understand the investment objective of a customer in a high degree by considering major factors like age, living standard, financial position of the customer..
8. He should be well enough to identify the risk profile of the customer.
9. Advisor should be able to advise and select suitable investment products as per the objective and risk profile of a customer.
10. An advisor should have the ability to track and balance the portfolio of a customer considering major factors like market conditions, which may affect the portfolio.
Try to find these qualities to your financial advisor. A best part of the above qualities are, if an advisor doesn’t meet any of the above, he is the one not for you.
Personal Qualities
1. He should be well qualified and have master knowledge in his area
2. He should have considerable experience as a financial advisor with successful performance background.
3. He should have a passion to the work and should not be lazy. He should have well idea and knowledge about the services and products available in the market to select the best among them for a customer.
4. He should be accessible by a customer at any time.
5. A good financial advisor should not be greedy or only profit minded fellow.
6. He should have enough feedback from his satisfied customers to add glory to his career.
Career Qualities
7. He should be able to understand the investment objective of a customer in a high degree by considering major factors like age, living standard, financial position of the customer..
8. He should be well enough to identify the risk profile of the customer.
9. Advisor should be able to advise and select suitable investment products as per the objective and risk profile of a customer.
10. An advisor should have the ability to track and balance the portfolio of a customer considering major factors like market conditions, which may affect the portfolio.
Try to find these qualities to your financial advisor. A best part of the above qualities are, if an advisor doesn’t meet any of the above, he is the one not for you.
Buffett's Advice for Young Investors
Growing rich
Some of his advice is for investors of all ages.
While discussing the importance of learning about investing, Buffett mentioned in passing that by the age of 10, he had read every book on investing in Omaha's public library.
In answering a 10-year-old girl's question about how to earn money (he recommended a paper route when she became a little older), he related having tried about 20 businesses by the time he graduated from high school (apparently the most successful one was a pinball business). Charlie Munger's advice to the little girl was that she become a very reliable person.
Lessons from Davy
In the Berkshire movie, a portrait of Warren Buffett in his early twenties emerged during a part that paid tribute to Lorimar Davidson (also known as Davy), GEICO's former CEO. The initial meeting between Buffett and Davidson was also discussed in the 1995 Berkshire Hathaway chairman’s letter.
In 1951, Buffett was studying economics at Columbia Business School under Benjamin Graham. He learned that Graham was chairman of Government Employees Insurance Co., the predecessor to GEICO. So on a cold Saturday, this 20-year-old student took the train to Washington, D.C., and headed to the headquarters, uninvited.
To his surprise, the company doors were locked, but he knocked until a custodian opened the doors. Buffett asked whether there was anyone to talk to, and was told that one man was working that weekend. Buffett introduced himself to Davidson -- then assistant to the president -- as one of Graham's students and asked whether he could ask some questions.
In the movie, Davy recalled how the conversation lasted more than four hours and how the young Buffett asked very detailed, thoughtful questions. Buffett reminisced on what a seminal half-day it was in his life.
Seeing that intelligence, work ethic, and determination at an early age, one can understand how he has become so successful over the years.
Buffett's investing advice
So how would a young Warren invest much more modest sums, say $500,000 to $1 million, was the gist of another question. Buffett said that if he was working with that amount of money, he would do things differently than he is now.
He related that when he was younger, he had more ideas than money -- now he has more money than ideas. Early in his career, Buffett was frequently thinking about which stock to sell to raise money to buy a new stock with better prospects.
He also emphasized how difficult it is to earn extraordinary returns on large amounts of capital and the technical difficulties involved in purchasing huge number of shares without tipping off everyone that Berkshire is buying.
So investors with smaller amounts to invest have some definite advantages over larger investors, assuming that these small investors have solid investment ideas and behave in a rational manner -- particularly during irrational market times
Some of his advice is for investors of all ages.
While discussing the importance of learning about investing, Buffett mentioned in passing that by the age of 10, he had read every book on investing in Omaha's public library.
In answering a 10-year-old girl's question about how to earn money (he recommended a paper route when she became a little older), he related having tried about 20 businesses by the time he graduated from high school (apparently the most successful one was a pinball business). Charlie Munger's advice to the little girl was that she become a very reliable person.
Lessons from Davy
In the Berkshire movie, a portrait of Warren Buffett in his early twenties emerged during a part that paid tribute to Lorimar Davidson (also known as Davy), GEICO's former CEO. The initial meeting between Buffett and Davidson was also discussed in the 1995 Berkshire Hathaway chairman’s letter.
In 1951, Buffett was studying economics at Columbia Business School under Benjamin Graham. He learned that Graham was chairman of Government Employees Insurance Co., the predecessor to GEICO. So on a cold Saturday, this 20-year-old student took the train to Washington, D.C., and headed to the headquarters, uninvited.
To his surprise, the company doors were locked, but he knocked until a custodian opened the doors. Buffett asked whether there was anyone to talk to, and was told that one man was working that weekend. Buffett introduced himself to Davidson -- then assistant to the president -- as one of Graham's students and asked whether he could ask some questions.
In the movie, Davy recalled how the conversation lasted more than four hours and how the young Buffett asked very detailed, thoughtful questions. Buffett reminisced on what a seminal half-day it was in his life.
Seeing that intelligence, work ethic, and determination at an early age, one can understand how he has become so successful over the years.
Buffett's investing advice
So how would a young Warren invest much more modest sums, say $500,000 to $1 million, was the gist of another question. Buffett said that if he was working with that amount of money, he would do things differently than he is now.
He related that when he was younger, he had more ideas than money -- now he has more money than ideas. Early in his career, Buffett was frequently thinking about which stock to sell to raise money to buy a new stock with better prospects.
He also emphasized how difficult it is to earn extraordinary returns on large amounts of capital and the technical difficulties involved in purchasing huge number of shares without tipping off everyone that Berkshire is buying.
So investors with smaller amounts to invest have some definite advantages over larger investors, assuming that these small investors have solid investment ideas and behave in a rational manner -- particularly during irrational market times
Mutual Funds - The Logic behind Investing in Them
Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. This article helps you to know in depth on:
-Is it possible to diversify investment if invested in mutual funds?
-Find more on the working of mutual fund
-Know more about the legal aspects in relation to the mutual funds
At the beginning of this millennium, mutual funds out numbered all the listed securities in New York Stock Exchange. Mutual funds have an upper hand in terms of diversity and liquidity at lower cost in comparison to bonds and stocks. The popularity of mutual funds may be relatively new but not their origin which dates back to 18th century. Holland saw the origination of mutual funds in 1774 as investment trusts before spreading to Anglo-Saxon countries in its current form by 1868.
We will discuss now as to what are mutual funds before going on to seeing the advantages of mutual funds. Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. The stocks these mutual funds have are very fluid and are used for buying or redeeming and/or selling shares at a net asset value. Mutual funds posses shares of several companies and receive dividends in lieu of them and the earnings are distributed among the share holders.
A Brief of How Mutual Funds Work
Mutual funds can be either or both of open ended and closed ended investment companies depending on their fund management pattern. An open-end fund offers to sell its shares (units) continuously to investors either in retail or in bulk without a limit on the number as opposed to a closed-end fund. Closed end funds have limited number of shares.
Mutual funds have diversified investments spread in calculated proportions amongst securities of various economic sectors. Mutual funds get their earnings in two ways. First is the most organic way, which is the dividend they get on the securities they hold. Second is by the redemption of their shares by investors will be at a discount to the current NAVs (net asset values).
Are Mutual Funds Risk Free and What are the Advantages?
One must not forget the fundamentals of investment that no investment is insulated from risk. Then it becomes interesting to answer why mutual funds are so popular. To begin with, we can say mutual funds are relatively risk free in the way they invest and manage the funds. The investment from the pool is well diversified across securities and shares from various sectors. The fundamental understanding behind this is not all corporations and sectors fail to perform at a time. And in the event of a security of a corporation or a whole sector doing badly then the possible losses from that would be balanced by the returns from other shares.
This logic has seen the mutual funds to be perceived as risk free investments in the market. Yes, this is not entirely untrue if one takes a look at performances of various mutual funds. This relative freedom from risk is in addition to a couple of advantages mutual funds carry with them. So, if you are a retail investor and planning an investment in securities, you will certainly want to consider the advantages of investing in mutual funds.
1.Lowest per unit investment in almost all the cases
2.Your investment will be diversified
3.Your investment will be managed by professional money managers
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Dad can't be Mom :-)
Cute little story....
One day my mother was out and my dad was in charge of me and my brother
who is four years older than I am. I was maybe 3 and a half years old
and had just recovered from an accident in which my arm had been broken
among other injuries.
Someone had given me a little 'tea set' as a get-well gift and it was
one of my favorite toys. Daddy was in the living room engrossed in the
evening news and my brother was playing nearby in the living room when I
brought Daddy a little cup of 'tea', which was just water. After several
cups of tea and lots of praise for such yummy tea, my Mom came home. My
Dad made her wait in the living room to watch me bring him a cup of tea,
because it was 'just the cutest thing!!'
My Mom waited, and sure enough, here I come down the hall with a cup of
tea for Daddy and she watches him drink it up, then she says to him,
'Did it ever occur to you that the only place that baby can reach to get
water is the toilet??'
:-):-):-):-):-):-)
....Mothers know!!
One day my mother was out and my dad was in charge of me and my brother
who is four years older than I am. I was maybe 3 and a half years old
and had just recovered from an accident in which my arm had been broken
among other injuries.
Someone had given me a little 'tea set' as a get-well gift and it was
one of my favorite toys. Daddy was in the living room engrossed in the
evening news and my brother was playing nearby in the living room when I
brought Daddy a little cup of 'tea', which was just water. After several
cups of tea and lots of praise for such yummy tea, my Mom came home. My
Dad made her wait in the living room to watch me bring him a cup of tea,
because it was 'just the cutest thing!!'
My Mom waited, and sure enough, here I come down the hall with a cup of
tea for Daddy and she watches him drink it up, then she says to him,
'Did it ever occur to you that the only place that baby can reach to get
water is the toilet??'
:-):-):-):-):-):-)
....Mothers know!!
What is the reason for sudden difficulty in erection?
Q. I am 25 years old. I am experiencing a slight difference in my erection from the past three months. Previously I used to get erection whenever I used to think of sex. But now I need to press for some time to get it. I don't get full erection also, its only partial. I consulted 2 doctors as well. The first one said that this is due to suppressed sex and told me to get married soon. The second doctor asked me to take certain tests. My blood sugar, fasting was 81 and post prandial was 106. Blood pressure was normal. I am 165 cm tall and I weigh 63 kg. The ultrasound of lower abdomen was normal too. Even prostate glands and seminal vesicles are normal. Free testosterone - 11.5 normal range. PSR - 0.25 normal. I also underwent the Doppler Test. After seeing all the reports, the doctor asked me to get married. He said this could be due to blood circulation but asked not to worry. He prescribed Sumenta - 2 months 1-0-1; Heyforte - 2 months 0-0-1. He asked me to meet him 2 weeks before the marriage for a powerful medication to remove anxiety and do well. Why has it happened so suddenly? Should I masturbate? Is it treatable? Should I get married? It is disturbing my daily activities.
A. Anxiety about impotence ranks first in order of prevalence, in all the sexual fears that men have. Ironically, the fear itself is the greatest cause of impotence. In 90% cases of impotencies, the cause is stemming from the mind (psychogenic). It is only in 10% cases that the cause is biological.
Just as it is not possible to make saliva, tears and digestive juices flow, similarly there is no possible way a man can ‘will’ himself to have an erection. These things happen on their own in response to situations and circumstances. If one involves oneself in ‘relaxed’ foreplay, without ‘spectatoring’ at the organ (waiting for the erection to happen), the erection happens on its own accord. Behind the fear of failure to get an erection is a fundamental anxiety – the fear of being rejected.
It is important to understand that most men will experience this phenomenon at least a few times, that they want an erection, but are unable to get one. This is entirely normal, and is nothing to worry about. Often, an occasional failure to get an erection can be related to stress, fatigue, insufficient stimulation, or intoxication. Some men have situational erection problems. For instance, they can get an erection when they are masturbating, but are unable to get one when they are with their partner. This usually means that the problem is primarily ‘psychogenic’.
Erectile dysfunction can become a problem when it is persistent or frequent. “Performance anxiety” is a common problem. If a man is more focused on how well he is performing with a partner, rather than on enjoying the sensations in the sexual act, it may be difficult to achieve or maintain an erection. This can become a vicious cycle, where the anxiety about whether or not one will have an erection becomes so intense that he is unable to become to have an erection, which leads to more anxiety, and so forth. The way to fix this problem is to relax. The more you relax and enjoy the experience of sex (whether you have an erection or not), the more likely you are to be able to get an erection.
Other men are unable to become erect in any situation, whether alone or with a partner. This usually suggests that the problem is primarily organic (physical). Organic causes of erection problems may include diabetes, kidney disease, multiple sclerosis, Parkinsons disease, injuries to the spinal cord or brain, reactions to certain medications especially hypertension medications, antipsychotic and antidepressant drugs, chronic alcoholism, atherosclerosis or other vascular problems. If the cause is organic or constitutional, then appropriate medical or surgical measures will have to be undertaken. If it is due to psychogenic or situational causes, the treatment will be “sex counselling” and “supportive therapy”. It is necessary to find out the cause (diagnosis) of this problem first, through history taking, examination and investigations. Once the cause is found, only then can treatment be advised. It is possible to help you professionally.
A. Anxiety about impotence ranks first in order of prevalence, in all the sexual fears that men have. Ironically, the fear itself is the greatest cause of impotence. In 90% cases of impotencies, the cause is stemming from the mind (psychogenic). It is only in 10% cases that the cause is biological.
Just as it is not possible to make saliva, tears and digestive juices flow, similarly there is no possible way a man can ‘will’ himself to have an erection. These things happen on their own in response to situations and circumstances. If one involves oneself in ‘relaxed’ foreplay, without ‘spectatoring’ at the organ (waiting for the erection to happen), the erection happens on its own accord. Behind the fear of failure to get an erection is a fundamental anxiety – the fear of being rejected.
It is important to understand that most men will experience this phenomenon at least a few times, that they want an erection, but are unable to get one. This is entirely normal, and is nothing to worry about. Often, an occasional failure to get an erection can be related to stress, fatigue, insufficient stimulation, or intoxication. Some men have situational erection problems. For instance, they can get an erection when they are masturbating, but are unable to get one when they are with their partner. This usually means that the problem is primarily ‘psychogenic’.
Erectile dysfunction can become a problem when it is persistent or frequent. “Performance anxiety” is a common problem. If a man is more focused on how well he is performing with a partner, rather than on enjoying the sensations in the sexual act, it may be difficult to achieve or maintain an erection. This can become a vicious cycle, where the anxiety about whether or not one will have an erection becomes so intense that he is unable to become to have an erection, which leads to more anxiety, and so forth. The way to fix this problem is to relax. The more you relax and enjoy the experience of sex (whether you have an erection or not), the more likely you are to be able to get an erection.
Other men are unable to become erect in any situation, whether alone or with a partner. This usually suggests that the problem is primarily organic (physical). Organic causes of erection problems may include diabetes, kidney disease, multiple sclerosis, Parkinsons disease, injuries to the spinal cord or brain, reactions to certain medications especially hypertension medications, antipsychotic and antidepressant drugs, chronic alcoholism, atherosclerosis or other vascular problems. If the cause is organic or constitutional, then appropriate medical or surgical measures will have to be undertaken. If it is due to psychogenic or situational causes, the treatment will be “sex counselling” and “supportive therapy”. It is necessary to find out the cause (diagnosis) of this problem first, through history taking, examination and investigations. Once the cause is found, only then can treatment be advised. It is possible to help you professionally.
Don't talk to strangers on the Internet
Teenagers should avoid talking to strangers on the internet, in order to avoid being victimised.
Researchers from the Internet Solutions for Kids, Inc., California conducted a telephonic survey of nearly 1,500, ten to seventeen years old Internet users, meeting people online, talking about sex with people known only online, and having unknown people in one's buddy list were associated with a significantly higher likelihood of becoming a victim of online harassment and sexual solicitation. Aggressive online behaviour such as making derogatory comments or frequently embarrassing others over the Internet also significantly raised the odds of unwanted online advances.
On the other hand, simply sharing personal information online, either by posting it on online communities or actively sending it to someone online, a practice that Internet safety programmes generally frown on did not increase the odds of being victimised in cyberspace. Having a profile on online communities or sending personal information are not the types of behaviour to be concerned about. On the other hand, talking about sex with people known only online is.
The researchers examined the association between unwanted sexual solicitation and harassment over the Internet and several different types of potentially risky behaviour. The behaviours included sending and posting personal information; making rude or nasty comments to someone online; harassing or embarrassing someone online; downloading files; talking about sex with people known only online; meeting people online in multiple different ways; having people in your buddy list you know only online; visiting x-rated sites; and downloading images from a file sharing program.
One in five adolescents reported unwanted harassment online in the previous year. One in four adolescents said they had engaged in four or more of the online risk behaviours in the past year. These teens were 11 times more likely to report online harassment than those reporting none of the online behaviours.
In many cases, what we see to be most influential in explaining the likelihood of Internet victimisation is a pattern of these 'risky' behaviour instead of individual behaviour alone. Hence, the message for the parents is that just as they need to know who their children are with and where they are in the off-line world, they should also know who they are talking to and what they are doing in the online world.
There is no doubt that the accelerating pace of technology has dramatically changed the experience of childhood. We need to develop and test pragmatic strategies for teaching Internet hygiene to children.
Researchers from the Internet Solutions for Kids, Inc., California conducted a telephonic survey of nearly 1,500, ten to seventeen years old Internet users, meeting people online, talking about sex with people known only online, and having unknown people in one's buddy list were associated with a significantly higher likelihood of becoming a victim of online harassment and sexual solicitation. Aggressive online behaviour such as making derogatory comments or frequently embarrassing others over the Internet also significantly raised the odds of unwanted online advances.
On the other hand, simply sharing personal information online, either by posting it on online communities or actively sending it to someone online, a practice that Internet safety programmes generally frown on did not increase the odds of being victimised in cyberspace. Having a profile on online communities or sending personal information are not the types of behaviour to be concerned about. On the other hand, talking about sex with people known only online is.
The researchers examined the association between unwanted sexual solicitation and harassment over the Internet and several different types of potentially risky behaviour. The behaviours included sending and posting personal information; making rude or nasty comments to someone online; harassing or embarrassing someone online; downloading files; talking about sex with people known only online; meeting people online in multiple different ways; having people in your buddy list you know only online; visiting x-rated sites; and downloading images from a file sharing program.
One in five adolescents reported unwanted harassment online in the previous year. One in four adolescents said they had engaged in four or more of the online risk behaviours in the past year. These teens were 11 times more likely to report online harassment than those reporting none of the online behaviours.
In many cases, what we see to be most influential in explaining the likelihood of Internet victimisation is a pattern of these 'risky' behaviour instead of individual behaviour alone. Hence, the message for the parents is that just as they need to know who their children are with and where they are in the off-line world, they should also know who they are talking to and what they are doing in the online world.
There is no doubt that the accelerating pace of technology has dramatically changed the experience of childhood. We need to develop and test pragmatic strategies for teaching Internet hygiene to children.
Key aspects while investing in equities
Below are some basic but key aspects an investor should take care of while investing in equities to get proper security on the capital and better profits:
1. Always invest on a company whose business in understandable. This is an advice and practice from legend investor Warren Buffett. When the IT boom started and start giving super profits to investors in the beginning, Warren Buffet doesn’t even hold any shares of IT companies. He said, he didn’t understand their business. As a result, IT stocks crashed and put huge lose on investors. This is history and evidence. So go ahead with a company whose business is well known and understandable.
2. Always invest for long term. In the long term, stock prices trace earnings growth and also, the companies ability to generate free cash flow. While thre can be volatility in the interim period, both stock price as well as the financial performance of the company, if one has the confidence that a company can go the distance, invest.
3. In present situation, mid cap and small cap companies are exciting. Remember, when buying mid cap and small cap, you are buying the volatility in their price too. Surviving the same required enough patience, the required best quality of an investor. A better and advisable method is to have a mix of both mid and small cap scrip’s in your equity portfolio to balance.
4. If you are new in direct equity investment or does not have time to manage your stocks and research, it is better idea to leave it to experts. Investing to equities through good mutual fund schemes would give you enough protection from shaving off your money and chance to grow investments through best and knowledgeable fund managers. If you have enough money to invest and doesn’t have time, invest through a portfolio management service firm.
5. Most important thing you should keep in mind that you are making your own destiny. Careless investment in equities will always give huge loses. Fluctuation is a market nature and surviving them by patience is a quality of an investor. Do not blame market for your lose. You should identify your risk profile before investing to equity market which is known as the risky asset class.
1. Always invest on a company whose business in understandable. This is an advice and practice from legend investor Warren Buffett. When the IT boom started and start giving super profits to investors in the beginning, Warren Buffet doesn’t even hold any shares of IT companies. He said, he didn’t understand their business. As a result, IT stocks crashed and put huge lose on investors. This is history and evidence. So go ahead with a company whose business is well known and understandable.
2. Always invest for long term. In the long term, stock prices trace earnings growth and also, the companies ability to generate free cash flow. While thre can be volatility in the interim period, both stock price as well as the financial performance of the company, if one has the confidence that a company can go the distance, invest.
3. In present situation, mid cap and small cap companies are exciting. Remember, when buying mid cap and small cap, you are buying the volatility in their price too. Surviving the same required enough patience, the required best quality of an investor. A better and advisable method is to have a mix of both mid and small cap scrip’s in your equity portfolio to balance.
4. If you are new in direct equity investment or does not have time to manage your stocks and research, it is better idea to leave it to experts. Investing to equities through good mutual fund schemes would give you enough protection from shaving off your money and chance to grow investments through best and knowledgeable fund managers. If you have enough money to invest and doesn’t have time, invest through a portfolio management service firm.
5. Most important thing you should keep in mind that you are making your own destiny. Careless investment in equities will always give huge loses. Fluctuation is a market nature and surviving them by patience is a quality of an investor. Do not blame market for your lose. You should identify your risk profile before investing to equity market which is known as the risky asset class.
Import Stock Selection Strategies
#1. A strong financial position
This means looking at debts and assets. A cheap stock relative to earnings is not cheap if the liabilities are so great that the company is going into bankruptcy. Make sure the company has sufficient reserves to survive the crisis and conservative debt levels.
#2 As many favorable operating and financial ratios as possible
Return of Equity (ROE), Return of Assets (ROA), profit margins, low expenses. All that Stuff to analyze carefully.
#3 A higer rate of earning growth that the S&P500 in the immediate past, and the likelihood that it will not plummet in the near future.
Contrarian companies have already been to the dog house, they have often made enormous loses and this is what put then where they are today. If the company makes even a modest profit therefore, the growth in earnings will probably astronomical, so this is not an onerous condition.
Keep an eye out for companies that still have a long way to fall. Do not look into the wall street forecasts to a certain extent, to see if forecasts show huge continued loses. It is often the case that a stock will not pick up straight away when it appears the worst is really over, so there are still opportunities for contrarians when they do take advantage of analysts research.
Pay little attention to forecasts. But, it found that researchers are correct often enough about the general direction of earnings that he knows to avoid a stock when the researches are still overwhelmingly convinced that earnings still have further to fall. There is a difference here. Analysts may well be out by 44%, but if they say earnings will continue falling then he may well just hold off purchases until the worst appears to be over. This is a much simpler and less error prone approach than is commonly used and does not depend on analysts having any great precision.
#4 Earnings estimates should always lean to the conservative side
Graham and Dodd’s “Margin of safety” pops up to say “hello”. If you cut the forecasts in half, but even still the company looks alright, you may have a potentially rewarding investment.
#5 An above average dividend-yield, which the company can sustain and increase
This of course relates to the previous for indicators, the dividend cover (ratio of earnings per share divided by dividends per share, proportion of profits as dividends) should be reasonable. A cut in the dividend won’t help the share price at all, so if the company pays one then make sure they can keep it going.
This means looking at debts and assets. A cheap stock relative to earnings is not cheap if the liabilities are so great that the company is going into bankruptcy. Make sure the company has sufficient reserves to survive the crisis and conservative debt levels.
#2 As many favorable operating and financial ratios as possible
Return of Equity (ROE), Return of Assets (ROA), profit margins, low expenses. All that Stuff to analyze carefully.
#3 A higer rate of earning growth that the S&P500 in the immediate past, and the likelihood that it will not plummet in the near future.
Contrarian companies have already been to the dog house, they have often made enormous loses and this is what put then where they are today. If the company makes even a modest profit therefore, the growth in earnings will probably astronomical, so this is not an onerous condition.
Keep an eye out for companies that still have a long way to fall. Do not look into the wall street forecasts to a certain extent, to see if forecasts show huge continued loses. It is often the case that a stock will not pick up straight away when it appears the worst is really over, so there are still opportunities for contrarians when they do take advantage of analysts research.
Pay little attention to forecasts. But, it found that researchers are correct often enough about the general direction of earnings that he knows to avoid a stock when the researches are still overwhelmingly convinced that earnings still have further to fall. There is a difference here. Analysts may well be out by 44%, but if they say earnings will continue falling then he may well just hold off purchases until the worst appears to be over. This is a much simpler and less error prone approach than is commonly used and does not depend on analysts having any great precision.
#4 Earnings estimates should always lean to the conservative side
Graham and Dodd’s “Margin of safety” pops up to say “hello”. If you cut the forecasts in half, but even still the company looks alright, you may have a potentially rewarding investment.
#5 An above average dividend-yield, which the company can sustain and increase
This of course relates to the previous for indicators, the dividend cover (ratio of earnings per share divided by dividends per share, proportion of profits as dividends) should be reasonable. A cut in the dividend won’t help the share price at all, so if the company pays one then make sure they can keep it going.
Sexy Talk: The Verbal Lovemaking
Erotic talk is also a form of communication you can use in those moments when you are aroused with the tender, delicate and playful sexual desire. It can be an imaginative medium that lets you share a sexual fantasy or create dialogue for its enactment with your lover. Verbal lovemaking is taking your partner to orgasm through words along with you also experience the ultimate sexual pleasure.
There are different ways of practicing verbal lovemaking or sexy talk. There are no clear cut and pre-defined ways or tips you have to follow in sexy talking. Sex is something very personal for each individual and it is each one to design and define the best way of practicing the art. Thus sexy talking can be practiced in a very personal way appealing and pleasurable to each one. Sharing fantasies is considered as a good way of sexy talk. It is your imaginations that is found the best guide to lead you to an orgasm in sexy talk.
There are many benefits to sexual communication. This can be told as the safest form of sex. If practiced properly one can reach the heights of sexual arousal without even touching your partner. It is not necessary that your partner should be with you to have a sexy talk. You can have a verbal lovemaking over phone also. Today, phone sex is a multi-billion business in some of the developed countries.
Words are the ultimate erotic tools. They arouse and thrill on their own. Until very recently, most "experts" on the art of making love have ignored, underplayed or underestimated the importance of words and verbal communication in creating a fulfilling sex life. Most people are unaware of the importance of words or talking in the sexual life. Sexy talking itself can become a complete and satisfying lovemaking through which couples can reach the peaks of happiness. Sexy talking is the use of the language of love to arouse, delight and nourish your partner and bring enriching new dimensions to your sex lives.
To have a successful sexy talk or verbal lovemaking one should learn to take and convert ordinary topics into erotic possibilities you can build on. Cast a spell with your voice. Load your conversation with a sexual tone that's as powerful as a physical touch. Conversation, especially to a woman, is the seed of sexual arousal and talking itself can lead to an orgasm. Conversation is how lovers, or those who want to be lovers turn the ignition and drive their imaginations as well as desires to stratospheric heights.
It is a wrong notion that only through physical contact one can enjoy lovemaking. Orgasm is the product of brain, and if brain is stimulated by touch or words, an orgasm is possible. Thus verbal lovemaking is possible and can be practiced successfully. Words can become a bridge across which the loving energy in your body, heart and soul can travel. They can become the keys that can unlock the hidden delights of your secret sexual fantasies. Through the language of love, you can reveal the many delicious dimensions of your physical, mental, emotional and spiritual loving.
Your sexually toned words are as powerful to create waves of sensual pleasure in your partners mind. You can stimulate the sensual organs by verbal lovemaking. When the mind is aroused it will lead the body to sexual pleasure. With words it is easier to ignite the erotic imaginations in your partner and drive him or her to the peaks of unbridled passion. Remember that your words have the power to melt all the sexual barriers and bring about a sexual atmosphere which will create the oscillations of ecstasy in your body and will provide you the experience of profound joy of a perfect sexual union.
Many couple make the mistake of feeling silly about sexual talking. Oral sex is often classified and catogorised as unnatural or ugly. In reality verbal lovemaking is like any other method of enjoying sexual pleasure. Verbal lovemaking warms and boosts the communication between partners. Couples can successfully explore their sexual life through verbal lovemaking which in fact is the safest and creative method of lovemaking
There are different ways of practicing verbal lovemaking or sexy talk. There are no clear cut and pre-defined ways or tips you have to follow in sexy talking. Sex is something very personal for each individual and it is each one to design and define the best way of practicing the art. Thus sexy talking can be practiced in a very personal way appealing and pleasurable to each one. Sharing fantasies is considered as a good way of sexy talk. It is your imaginations that is found the best guide to lead you to an orgasm in sexy talk.
There are many benefits to sexual communication. This can be told as the safest form of sex. If practiced properly one can reach the heights of sexual arousal without even touching your partner. It is not necessary that your partner should be with you to have a sexy talk. You can have a verbal lovemaking over phone also. Today, phone sex is a multi-billion business in some of the developed countries.
Words are the ultimate erotic tools. They arouse and thrill on their own. Until very recently, most "experts" on the art of making love have ignored, underplayed or underestimated the importance of words and verbal communication in creating a fulfilling sex life. Most people are unaware of the importance of words or talking in the sexual life. Sexy talking itself can become a complete and satisfying lovemaking through which couples can reach the peaks of happiness. Sexy talking is the use of the language of love to arouse, delight and nourish your partner and bring enriching new dimensions to your sex lives.
To have a successful sexy talk or verbal lovemaking one should learn to take and convert ordinary topics into erotic possibilities you can build on. Cast a spell with your voice. Load your conversation with a sexual tone that's as powerful as a physical touch. Conversation, especially to a woman, is the seed of sexual arousal and talking itself can lead to an orgasm. Conversation is how lovers, or those who want to be lovers turn the ignition and drive their imaginations as well as desires to stratospheric heights.
It is a wrong notion that only through physical contact one can enjoy lovemaking. Orgasm is the product of brain, and if brain is stimulated by touch or words, an orgasm is possible. Thus verbal lovemaking is possible and can be practiced successfully. Words can become a bridge across which the loving energy in your body, heart and soul can travel. They can become the keys that can unlock the hidden delights of your secret sexual fantasies. Through the language of love, you can reveal the many delicious dimensions of your physical, mental, emotional and spiritual loving.
Your sexually toned words are as powerful to create waves of sensual pleasure in your partners mind. You can stimulate the sensual organs by verbal lovemaking. When the mind is aroused it will lead the body to sexual pleasure. With words it is easier to ignite the erotic imaginations in your partner and drive him or her to the peaks of unbridled passion. Remember that your words have the power to melt all the sexual barriers and bring about a sexual atmosphere which will create the oscillations of ecstasy in your body and will provide you the experience of profound joy of a perfect sexual union.
Many couple make the mistake of feeling silly about sexual talking. Oral sex is often classified and catogorised as unnatural or ugly. In reality verbal lovemaking is like any other method of enjoying sexual pleasure. Verbal lovemaking warms and boosts the communication between partners. Couples can successfully explore their sexual life through verbal lovemaking which in fact is the safest and creative method of lovemaking
The Art of Sensuous Touching
“We need 4 hugs a day for survival. We need 8 hugs a day for maintenance. We need 12 hugs a day for growth."
Virginia Satir (American Author and Psychologist)
The world revolves around romance, and in a world of romance how to communicate all your passion and emotion to your lover, most effectively? The answer is 'touch'. A skin to skin contact is the best advisable to exchange the heat of your love and romance to your partner. It is an actual need, just as vital as food and sleep for our emotional and physical health. Skin hunger is as real and as controlling as food hunger. But, before ever attempting to touch your sweet heart, you should learn the art of touching.
Our bodies require touch: it relieves stress; it makes us happier and healthier. In our fast-paced lives, however, we often forget the importance of giving and receiving affection through physical touch. We deprive ourselves of this very basic need. We strive to diet, to quit smoking, to drink in moderation, and to exercise, in order to promote a healthy body. In my opinion, touching is the most vital gift that you can give and receive. mature love
Touching promotes a healthy mind, body, and soul. It calms people, it relieves stress, and it allows us to demonstrate our love for one another. A hug, a kiss, an embraces or a hand holding will communicate more than hundred words. If you are in a relationship, both sexual and non-sexual touch are important. During the euphoric stage of a relationship, sexual touch predominates. You can't keep your hands off of each other. In the beginning, sex is a very important part of your relationship with the other person. When mature love begins, non-sexual touch becomes more important, as touch takes on an additional meaning. While sexual touch can communicate sexual feelings, non-sexual touch can simply communicate your love, care, and affection for one another.
Physical closeness and touching stimulates the continued growth of your loving relationships. Touching is an integral part of the art of loving, which requires knowledge, effort, and, above all, practice. If you are in a loving relationship, make a concerted effort to touch your partner. Don't forget to hug and kiss one another before you leave for work, or when you return home. Take advantage of quiet moments during the day to give affection to one another. Hold hands in a movie, at a restaurant, or while walking down the street. Showering or bathing together promotes touching, and will give you physical closeness with your partner. Whether you are at home or in public, demonstrate physical closeness with one another.
In sexual relationships, touching could be used as an essential stimulator. Massages or sensual touch relieves stress and tension. There are certain basic message techniques that are very effective to relieve tension,. Tension tends to accumulate in the neck, shoulders and upper back in women, and in the lower back and buttocks in men. By touching these parts one can help the partner to be calm, and aroused.
When touching your partner be soft enough, hot enough and patient enough. You should know the sensitive zones of his/her body so that you can concentrate those regions to enjoy the pleasure all the more. Sex always begins from a single touch and therefore make it as affectionate as possible. Your touch should always be inviting for your partner not scary and painful. Once you have learned the basics of the art of sensual touching, extend your hands to awaken the romance and passion of your lover.
Virginia Satir (American Author and Psychologist)
The world revolves around romance, and in a world of romance how to communicate all your passion and emotion to your lover, most effectively? The answer is 'touch'. A skin to skin contact is the best advisable to exchange the heat of your love and romance to your partner. It is an actual need, just as vital as food and sleep for our emotional and physical health. Skin hunger is as real and as controlling as food hunger. But, before ever attempting to touch your sweet heart, you should learn the art of touching.
Our bodies require touch: it relieves stress; it makes us happier and healthier. In our fast-paced lives, however, we often forget the importance of giving and receiving affection through physical touch. We deprive ourselves of this very basic need. We strive to diet, to quit smoking, to drink in moderation, and to exercise, in order to promote a healthy body. In my opinion, touching is the most vital gift that you can give and receive. mature love
Touching promotes a healthy mind, body, and soul. It calms people, it relieves stress, and it allows us to demonstrate our love for one another. A hug, a kiss, an embraces or a hand holding will communicate more than hundred words. If you are in a relationship, both sexual and non-sexual touch are important. During the euphoric stage of a relationship, sexual touch predominates. You can't keep your hands off of each other. In the beginning, sex is a very important part of your relationship with the other person. When mature love begins, non-sexual touch becomes more important, as touch takes on an additional meaning. While sexual touch can communicate sexual feelings, non-sexual touch can simply communicate your love, care, and affection for one another.
Physical closeness and touching stimulates the continued growth of your loving relationships. Touching is an integral part of the art of loving, which requires knowledge, effort, and, above all, practice. If you are in a loving relationship, make a concerted effort to touch your partner. Don't forget to hug and kiss one another before you leave for work, or when you return home. Take advantage of quiet moments during the day to give affection to one another. Hold hands in a movie, at a restaurant, or while walking down the street. Showering or bathing together promotes touching, and will give you physical closeness with your partner. Whether you are at home or in public, demonstrate physical closeness with one another.
In sexual relationships, touching could be used as an essential stimulator. Massages or sensual touch relieves stress and tension. There are certain basic message techniques that are very effective to relieve tension,. Tension tends to accumulate in the neck, shoulders and upper back in women, and in the lower back and buttocks in men. By touching these parts one can help the partner to be calm, and aroused.
When touching your partner be soft enough, hot enough and patient enough. You should know the sensitive zones of his/her body so that you can concentrate those regions to enjoy the pleasure all the more. Sex always begins from a single touch and therefore make it as affectionate as possible. Your touch should always be inviting for your partner not scary and painful. Once you have learned the basics of the art of sensual touching, extend your hands to awaken the romance and passion of your lover.
Places of Interests in Bangalore
Vidhana Soudha:
A magnificent building of the Neo-Dravidian style ,houses the State Legislature. It was conceived and executed by Kengal Hanumanthaiah, the former Chief Minister of Karnataka in 1956.
Attara Kacheri (High Court):
"Eighteen offices" is the literal meaning of this very elegant two storied building facing Vidhana far from there is the sprawling Cubbon Park, Vishveshwarajap Museum of Science and Technology and Venkatappa Art Gallery.
Lalbagh Gardens:
This expanse of greenery is one of India's most beautiful botanical gardens. It was laid out by Hyder Ali and Tippu Sultan in the 18th century, Within the Gardens there is a beautiful lake with a water spread area of 1.5 Sq.Kms dotted with picturesque tiny islands. It is a good picnic spot.
Cubbon Park:
This beautiful park, which spreads over 300 acres in the heart of the city, serves as the lung space of the evergrowing Banglore city. Designed by Lt. General Sir Mark Cubbon, in 1864, is dotted with beautiful statues, flowering trees, fountains and a library its midst.
The Government Museum:
One of the oldest museums in the country, established in 1886, has a unique collection of sculptures, inscriptions, paintings, icons and also some relics from Mohenjodaro.
Visweswaraiah Industrial & Technological Museum:
This museum is tribute to Sir. M. Vishweswaraiah the Architect of modern Karnataka, a must see for students and Science buffs, Which presents the amazing wealth of modern science.
Venkatappa Art Gallery:
The Art Gallery has a permanent display of paintings and sculpture by the renowned artist K.Venkatappa.
Karnataka Folk Museum:
The Karnataka janapada trust manages this museum where many rare masks, artifacts and costumes are displayed. It also boasts of an impressive collection of folk music and videos of folk dances. It is located at Kumara Park West, Sheshadripuram.
Aquarium:
A variety of exotic fishes are the attraction in this diamond shaped Aquarium, which is at the enterance of the Cubbon Park.
Jawahar Bal Bhavan:
A children's theatre, an amusement park and a toy train are the main attractions here. Closed on Mondays and second Tuesdays of the month.
Bull Temple (Dodda Basavanna Temple):
The gigantic image of the celestial bull, Nandi, which stands at 4.57 meters. in height, is a classic example of Dravidian architecture. A yearly festival to celebrate the harvesting of peanuts, (Kallekai parse) is held here during the month of Nov-Dec. which attracts large crowds from all over the state.
Dodda Ganapathi Temple:
A huge monolithic statue of Gapnapati, which attracts thousands of devotees every day. One of the oldest temples of Bangalore.
Bugle Rock:
This rock stands as a mute witness to the bygone era of the founder of Bangalore, when it served as the watchtower and incase of any attack, a bugle call from here alerted the inhabitants of the town.
Sri Gavi Gangadareshwara Temple:
A unique phenomenon of this cave temple is the sunlight passes through the horns of the bull to light up the Gavi Ganagadareshwara idol on the day of Makara Sankranthi i.e. January 14th or 15th every year.
Jawaharlal Nehru Planetarium:
The sky threatre with a dome of fifteen metres in diameter attracts all the amateur astronomers and the commoners to this Planetarium, founded in 1989 to commemorate the birth centenary of Jawaharlal Nehru, the First Prime Minister of India.
Musical Fountain:
Another attraction opposite the planetarium is the musical fountain and its dancing waters. The Bangalore Palace: Modeled after the Windsor Palace, this beautiful granite palace was built by the Wodeyars, the erstwhile rulers of Mysore.
A magnificent building of the Neo-Dravidian style ,houses the State Legislature. It was conceived and executed by Kengal Hanumanthaiah, the former Chief Minister of Karnataka in 1956.
Attara Kacheri (High Court):
"Eighteen offices" is the literal meaning of this very elegant two storied building facing Vidhana far from there is the sprawling Cubbon Park, Vishveshwarajap Museum of Science and Technology and Venkatappa Art Gallery.
Lalbagh Gardens:
This expanse of greenery is one of India's most beautiful botanical gardens. It was laid out by Hyder Ali and Tippu Sultan in the 18th century, Within the Gardens there is a beautiful lake with a water spread area of 1.5 Sq.Kms dotted with picturesque tiny islands. It is a good picnic spot.
Cubbon Park:
This beautiful park, which spreads over 300 acres in the heart of the city, serves as the lung space of the evergrowing Banglore city. Designed by Lt. General Sir Mark Cubbon, in 1864, is dotted with beautiful statues, flowering trees, fountains and a library its midst.
The Government Museum:
One of the oldest museums in the country, established in 1886, has a unique collection of sculptures, inscriptions, paintings, icons and also some relics from Mohenjodaro.
Visweswaraiah Industrial & Technological Museum:
This museum is tribute to Sir. M. Vishweswaraiah the Architect of modern Karnataka, a must see for students and Science buffs, Which presents the amazing wealth of modern science.
Venkatappa Art Gallery:
The Art Gallery has a permanent display of paintings and sculpture by the renowned artist K.Venkatappa.
Karnataka Folk Museum:
The Karnataka janapada trust manages this museum where many rare masks, artifacts and costumes are displayed. It also boasts of an impressive collection of folk music and videos of folk dances. It is located at Kumara Park West, Sheshadripuram.
Aquarium:
A variety of exotic fishes are the attraction in this diamond shaped Aquarium, which is at the enterance of the Cubbon Park.
Jawahar Bal Bhavan:
A children's theatre, an amusement park and a toy train are the main attractions here. Closed on Mondays and second Tuesdays of the month.
Bull Temple (Dodda Basavanna Temple):
The gigantic image of the celestial bull, Nandi, which stands at 4.57 meters. in height, is a classic example of Dravidian architecture. A yearly festival to celebrate the harvesting of peanuts, (Kallekai parse) is held here during the month of Nov-Dec. which attracts large crowds from all over the state.
Dodda Ganapathi Temple:
A huge monolithic statue of Gapnapati, which attracts thousands of devotees every day. One of the oldest temples of Bangalore.
Bugle Rock:
This rock stands as a mute witness to the bygone era of the founder of Bangalore, when it served as the watchtower and incase of any attack, a bugle call from here alerted the inhabitants of the town.
Sri Gavi Gangadareshwara Temple:
A unique phenomenon of this cave temple is the sunlight passes through the horns of the bull to light up the Gavi Ganagadareshwara idol on the day of Makara Sankranthi i.e. January 14th or 15th every year.
Jawaharlal Nehru Planetarium:
The sky threatre with a dome of fifteen metres in diameter attracts all the amateur astronomers and the commoners to this Planetarium, founded in 1989 to commemorate the birth centenary of Jawaharlal Nehru, the First Prime Minister of India.
Musical Fountain:
Another attraction opposite the planetarium is the musical fountain and its dancing waters. The Bangalore Palace: Modeled after the Windsor Palace, this beautiful granite palace was built by the Wodeyars, the erstwhile rulers of Mysore.
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