*Simple understanding about power of compounding:*
🙏Ramu🙏19/03/2022

*Compounding:*

*Money makes money. And the money that money makes, makes money, and the money………*

# Power of Compounding is back loaded.

Rule#1: Never LOSE money.
Rule#2: Live a LONG and HEALTHY LIFE.

*Mathematical Equation for compounding wealth:*

“+” Add to your savings every month;

“-” Eliminate BIASES, GREED and WASTEFUL expenses;

“×” Multiply your time horizon;

“÷” Divide across asset classes as appropriate for your age or stage in life and personal circumstances;

“^” Achieve the exponential power of compounding by allowing it to stay for long.

Note : The “in above (-) wasteful expenses” in this equation include excessive taxes on capital gains.

Because, frequent churning your portfolio leads to frictional cost, brokerage, commissions, statutory charges and taxes.

Wishing you compounding your wealth to billions.

*Compoundingly yours,*
🙏Ramu🙏

*Kashmirie Files – Review from Longing to die as a SECULARIST:*
🙏Ramu🙏15/03/2022

Disclaimer:

(1) My Hindi understanding level is 1 out of 10 scale.

(2) I had never crossed TN state border either physically or mentally till 1998.

(3)So, there’s ample scope for the following my views can go absurd.

At the outset, I have to admit that I was literally devasted to realize the plight and ordeals had been gone through my fellow nationalists “Kasmirie Pandits” during ’90s.

It seems, Kasmirie pundits would have gone through more severe torture during ’90s than Jews’ had undergone in concentration camps during WW2.

Absolutely I submit my sympathy for them.
——————————————–

In one of the most important tamil movies to be watched, “Sathuranga vettai”, and the following dialog is the master piece.

*” To make people believe your all LIES, you need to wrap the same around few HARD TRUTHS.”*

In this movie, the smart director, may be a hardcore RSS sympathizer did the same with aplomb.

*My doubts:*

~ Through out the entire movie, I couldn’t see even a single rebel from Pundit side nor from any Hindus to fight against terrorists (portrayed as muslims) and all of them had simply surrender meekly.

~ Throughout the entire movie, I couldn’t see any noble Muslim or neutral Muslim who had suffered at least internally and psycolgically by witnessing these atrocities unfettered against Hindu Pundits.

~ Recently our honourable PM made some positive comments about this movie. Is it worth commenting for our PM in his busy schedule?

*My realizations:*

(1) After seeing this movie, I have realized, History must be only read (to gain insights) but not to be watched or visualized.

(2) Some hard bitter truths and facts have been sparsely scattered and brilliantly wrapped with “their hidden agenda” around *to suit the vested interests.*

(3) After seeing this movie, I have realized that it won’t do any good to unite the people of India but polarize further and further.

(4) After seeing this movie, I have realized, our SECULAR ethos have been under attack 24 X 7 from every nook and corner of this country and continuing as a secular nation may not be guaranteed even for few decades.

(5) After seeing this movie, I have realized, this movie release could have been waited till 2024 general elections to achieve the 100% purpose of why this movie was made.

*Conclusion:*

*It’s better to read to understand the plight of pundits rather than watch as a movie.*

*Longing to die as a secular citizen,*
🙏Ramu🙏

*One more reason to remind us to be HUMBLE EVER:*
🙏Ramu🙏12/3/2022

The following has been an awesome comparison between where we have started as a human being and where are we today!!!

Though I have read it in different context, I feel it’s an appropriate and apt time to relate with – during this Ukraine-Russia war.

How arrogant Putin may be to threat the entire humanity about the possibility of exercising his Nuke power!!!!.

*Homo Sapiens, “man the wise” first appeared in the fossil record in Ethiopia approximately 2,00,000 (2L) years ago.*

*As per indisputable evidence, farming has been existing for around 10,000 years or so.*

*All these present technologies, improvements of our living standards, feel superior ourselves when compared with the rest of the primates, etc…just during the past 200 years or so.*

*If we collapse these 2,00,000 years since the humans existed in to 1 day…*

*….2L years ~ 24 hours… started from 12.01 AM …*

*…then from 12.01 AM to 11.00 PM …(23 hours) we were JUST Hunter Gathers…*

*….. then from 11.00 PM to 11.58 PM, we had been survived by subsistence, Farming, and Crafts…*

*All our modern industrial life has unfolded in the last 90s (just 90 seconds)…from 11.58 PM to 11.59.40 PM*

*Where come these so called super power and nuclear nations’ developed this much arrogance!!!*

Very Funny, but if man turns mad, no one can control his actions…

*Humbly yours,*
🙏Ramu🙏

Being Knowledgeable would make one more cautious? More fearful? More humble? Hurting the chances of WINNING BIG?

KNOWLEDGE : BOON OR BANE:
🙏Ramu🙏3/3/2022

Again it’s my grandson or rather my daughter had taught me the following life lesson.

3.75 years old, Atharva has been undergoing martial arts coaching for the last couple of months.

(Note : It’s tough time for work-from-home parents to manage their young kids.)

Event : Martial art – Preliminary stage – Orange belt:

Few days ago, he had to appear for final test – Orange Belt.

His teacher/ Guru??? had to assess his skills in various aspects viz.. co-ordination ability for both legs, hands, eyes, etc and finally the teacher had to appraise him on his “punching strength through “breaking a 6 or 8 mm plywood.”

Before the final assessment, it seems he had given him strong instructions about how to go about.

Then the teacher had picked up the 8 mm plywood, draw a small circle at its center and asked him to focus the CIRCLE and PUNCH 👊 that circle by applying his full FORCE.

To his teacher’s surprise or rather shock, this little boy had broken it into 2 halves and the teacher got stunned.

Lesson : Preamble

I posed some very silly questions (as usual 😛) as if my daughter would be a proud parent and she would be narrating entire episode interestingly.

How had he done it?
Whether he’s the only one who did it or so many?
At least, anybody couldn’t do it?…bla…bla…

My daughter told humbly,

“only few kids who were 5+, 6+ had failed to break but most of the kids had 💔 broken it.”

She continued, “probably older kids may be fearful or more cautious of hurting their knuckles.

…probably these small kids were unaware of the consequences such as hurting their knuckles.”

(Tamil proverb: The young calf used to be unaware of FEAR)

Personal experience:

I started investing during 2004 in stock market.

During those days, I hadn’t learnt this art even at miniscule level.

However, I used to feel very proud of my talents if my stock had raised next day, even if it’s a single rupee or 2, ….

…as if I was born with enormous stock picking talents. I used to be very bold in taking risk.

In these 15+ years, after having read plenty of investment related books, undergone few training courses, interacted with various savvy investors,….

……then, now, I have concluded myself how NOVICE I AM now,…

… but how ARROGANT, I was to consider myself ….

….that I was BOLD, “blessed with talents” during those my initial days of 2004.

(Wholeheartedly, now I thank the Almighty for having saved me from not being bankrupt of my variuos blunders.)

Now, I have been more cautious, more vary, more fearful and more humble while investing even if it is few thousands.

LIFE LESSONS:

(1) The more we learn, the more we become conscious and cautious.

(2) The more we learn, the LESS we become confident in comparing with ametures like my grandson of 3+

(3) The more we learn, the LESS will be our RISK taking abilities as we mitigate most through due diligence.

LEARNING : BOON OR BANE?

BOON:

The chances of turning out to be a pauper or bankrupt is very, very less.

We may not encounter major man made shocks such as becoming prey for variety of ponzhi schemes .

BANE:

There’s a miniscule or hardly any chances of hitting any major Jackpots, bonanza, etc…

One may not have much pleasant surprises or worst shocks throughout his life.

Hesitantly yours,
🙏Ramu🙏

Having HAPPY FAMILY by absolutely FREE from any sibling rivalries, disrespect to elders, misunderstanding next gen etc…
🙏Ramu🙏27/2/2022.

In famous Anna Kiranena novel, Tolstoy started with..

“All HAPPY families are ALIKE. All unhappy families are different from each other.”

Whatever Tolstoy wrote longback, it’s absolutely True even today.

If one analyzes the reason for all HAPPY and harmonious families and their pleasant relationship with 2 or 3 generations,…

…one can find the main thread runs over IN each one of them is TRUST

that developed through TRANSPARENCY, ZERO secrets and ZERO surprises or SHOCKS.

If you observe all unhappy families, each one has different reasons that would boil down to….

DISTRUST developed through maintaining secrecy or hiding something or the other.

SOLUTION Part#1: 💡IDEA

In a stock market, a good companies are evaluated based on how TRANSPARENT they are over a period!!!

This measurement of transparency of the company can be evaluated…

… from Annual Reports through CHAIRMAN’S LETTER TO SHAREHOLDERS.

The good CHAIRMAN’S letter should consist of the following things…

(1) What they had committed last year…
(2) What they achieved this year?
(3) Performance reports of each and every verticals.
(4) Whether they had gone beyond or under achieved?
(5) If under achieved, why is it so?
(6) How are they going to correct the same in subsequent years?
(7) What’s their action plan for next year, 5 years down the line, etc…
(8) What’s their action plan towards developing next generation leaders?
(9) How, When and what circumstances they would handover their baton to the next generation?
….
….
SOLUTION Part#2: Implementation:

Whatever the CHAIRMAN should conduct the above exercises annually,…

…why shouldn’t the each and every present family head do the same?

What stopped them from conducting this exercise annually?

It need not be the family head should sit and write.

They can take a vacation as a family or meet in their generational home once in a year….

One full day can be allotted for brainstorming to understand the needs of each and every family members….

….and through this exercises, all can together arrive a MOU (memorandum of understanding) in corporate parlance or CMP (common minimum program) in alliance politics parlance.

Then the family head can take the responsibility of monitoring and executing the same….

CONCLUSION:

Through the above exercise, transparency and thus trust can be established without any major surprises or shocks to disturb the trust.

Wishing you having HAPPY Families….

Transparently yours,
🙏Ramu🙏

*Russia – Ukraine crisis : India is into CATCH – 22++*
🙏Ramu🙏26/2/2022

*I hope, this (Russia -Ukraine crisis) is the toughest and most Challenging time for Modi as well as India.*

It can be beyond catch – 22 situation for India and can say Catch -22+++.

Because in Catch – 22, always 2 pathways used to be analyzed and be concluded both are closed.

In this situation, not just 2 gates, but 3rd gate – NEUTRAL stand also has closed for India.

*India’s present position: Catch 22 +:*

#1 : *India can’t support Russia as the way Chinese did:*

India has been heavily dependent on USA and the other western European countries for economic prosperity.

#2: *India can’t condemn Russia’s invasion into Ukraine:*

On militarily front, we are heavily dependent on Russia as most of our military set up and equipments are aligned with Russia. Even for small spares, in case any war broke out, we are dependent on Russia.

#3: *India can’t take Neutral stand too:*

If India takes any side, we may have to pay heavy price either on economic front or military front.

*If India maintains status quo, in case of Chinese intrusion FURTHER into India, no western countries or USA will support India by condemning Chinese’s incursion.*

Even Russia won’t condemn China or offer support to India as Chinese has offered 100% support to Russia in this crisis.

*Definitely, India has been facing most diplomatic challenge ever since 2014.*

*India’s failure:*

*If India has to take neutral stand, during these last decade or so, It would have to align or bring at least few countries into “non aligned nation” umbrella and India woukd have LED those countries from FRONT.*

*So that, we wouldn’t have been abandoned alone like now.*

Let us hope for good.

Hopefully India would thrive by flying colors.

*Concerningly,*
🙏Ramu🙏

*Rational behind the adage, “He has achieved all the wealth and successes….*

*…. only after having escaped from fatal accidents or illness…”*
🙏Ramu🙏23/2/2022

During my young age, one of my Dad’s relatives who was of 50+ then, a phenomenal personality.

I could recall my Dad’s saying that, *”around a decade ago, he had met with severe accident and almost he’s dead, but then recuperating himself.”*

*Dad continued, “From then onwards, whatever he touched, it had turned into GOLD.”*

I wondered and to be funny, I used to think whether I could create such chance for myself, so that I too can become successful.

Then very recently, around a decade ago, one, very well known TIMID, diffident manager of a private firm, who had suffered a severe heart attack, got admitted in emergency for few weeks.

Once he’d recovered, after few weeks of rest, surprisingly, he had resigned his job from his company and he’d dawned a new avatar of “entrepreneur”.

*We’d all wondered, how come possible such a timid employee had ventured into a risky profile!*

*My manager repeated the same word like my Dad,…*

*… “hereafter whatever he touches, it’d turn out into GOLD.”*

I asked him the rationale behind that “saying”?.

*He couldn’t convince me but he had sighted various examples started from MGR to so many.*

*However, this time, I wasn’t too naive to hear my manager’s words as the way when my Dad told me the same few decades ago.*

Though I couldn’t find the science or rationale behind the prevailing society’s preconceived notion behind its relating *”near death Vs phenomenal success”* until I’d read the following couplet.👇

*EVERYONE HAS 2 LIVES. HIS 2ND LIFE STARTS, ONLY WHEN HE REALIZES, HE HAS ONLY ONE LIFE.*

Now, I have got fully convinced about the rationale behind the relationship between *”near death Vs Midas touch.”*

*To achieve the Midas touch, one doesn’t require to visit the death bed and recover,…*

*…but if he realizes, “It’s the only life and left with only few decades”, then our approach towards life will be entirely different.*

Midas touching,
🙏Ramu🙏

My friend asked me the suggestion about whether he should pay “capital gain taxes” and invest the remaining amount (or) avoid taxes by investing the same in REC bonds?

My solution:

Let us say 20% Capital gain taxes on taxable amount.

5% per annum annually is the interest from REC bonds with 5 years lock-in.

To simplify the calculations, I have ignored post tax.

Then the resulting equation may be as follows:

0.8 P x (1+R)^5 = P x 1.05^5

Solve the above for R, results in 9.8%.

(0.8 –> 1 minus 20% capital gains tax, P –> taxable amount, R – Expected Returns, 1.05 –> 5% interest per annum, 5 –> lock in period)

Suggestion: If you’re capable of generating returns > 10%, you can pay tax and invest the remaining amount.

Am I making sense my dear friends?

Ramu

How Nehru and Abdul Kalam had EMERGED as the automatic choice of their respective bosses Viz..Gandhi and Vajpaee?:
🙏Ramu🙏16/02/2022

How had Nehru and Kalam gained edge over their peers?

When India, after freedom, it had to choose it’s Leader for it’s governance and it had dawned upon Gandhi’s hands.

Nehru obviously couldn’t have been an unopposed leader as Congress had already overwhelmed with pleathora of equally competent leaders such as Patel, Azad, and so many.

However, after Gandhi had ticked Nehru’s name, no opposing voices had been raised including Patel, at least to Gandhi in person.

How it had happened?

How Patel kinds of equally competent leaders had accepted Nehru’s leadership either silently or amicably?

It’s not because of just their respects towards Gandhi, but they might have got convinced themselves that Nehru had slight edge over the rest?

What’s that edge that Nehru had and others didn’t?

Similar was the case with Abdul Kalam, when Vajpayee had chosen him as the Presidential candidate, all opposition had silently surrendered themselves and enhanced Vajpayee’s decision unanimously.

How that magic happened in favour of Nehru as well as Abdul Kalam?

---

EXPRESSED THEIR IDEAS FREQUENTLY THROUGH WRITINGS:

Both legendary stalwarts Nehru and Abdul Kalam had kept on expressing themselves about their…

…unquenchable thirst of their passion and ideas towards nation’s prosperity and its development through their WRITINGS FREQUENTLY.

They had been frequently been expressing their variety of ideas in various columns in magazines and GLOBAL forums .

Before freedom, Nehru had expressed his ideas about the prosperity of India through few classic books such as….

“Discovery of India”,

“Letters to Daughter”

and even today, it has been considered one of the best Indian literatures.

Similarly, Abdul Kalam had already come out with few classic books such as…

“Wings of Fire”

“2020 VISION FOR INDIA”

It emphasizes each one of us, about how important to express our ideas when we sit for meeting with our bosses in corporate meetings, group meetings, one on one meetings, etc…

If we don’t express ourselves, how brilliant or passionate we may be, there’s no chance of our bosses to recognize…

.. because all our bosses are after all normal human beings…

… and not magicians nor possessing X-Ray machines to penetrate in to our minds.

So, EXPRESS YOURSELVES FREQUENTLY to GAIN EDGE over your PEERS.

Expressingly yours,
🙏Ramu🙏

My friend asked me the suggestion about whether he should pay “capital gain taxes” and invest the remaining amount (or) avoid taxes by investing the same in REC bonds?

My solution:

Let us say 20% Capital gain taxes on taxable amount.

5% per annum annually is the interest from REC bonds with 5 years lock-in.

To simplify the calculations, I have ignored post tax.

Then the resulting equation may be as follows:

0.8 P x (1+R)^5 = P x 1.05^5

Solve the above for R, results in 9.8%.

(0.8 –> 1 minus 20% capital gains tax, P –> taxable amount, R – Expected Returns, 1.05 –> 5% interest per annum, 5 –> lock in period)

Suggestion: If you’re capable of generating returns > 10%, you can pay tax and invest the remaining amount.

Am I making sense my dear friends?

Ramu