How UPI killed Candy Business. Can your business be affected too?

When I heard that UPI is killing the candy business? Really How??

I got this on Whatsapp, so kindly tag whoever deserves the credit for this take on disruption because of technology Further exploration, was an eye opener with hard to believe detail as to *how a business was built on “chutta nahi hai"* went into downhill as UPI arrived.

*In early 2010s almost all big Candy players, including Mondelez, Mars, Nestle, Perfetti, Parle & ITC reported staggering

300 #Wipro employees sacked as they took advantage of work from home and worked parallely with another company.

How #Digital #India has precisely found the culprits is amazing. Kindly read the below article. Fantastic system in place in India. *The humble looking PF Office helps to detect Moonlighting (serving more than one employer at a time) by IT workers*

*MOONLIGHTING*

What is this?

300 people got fired because of this?

#HDFC- HDFC Bank surprising interim shareholding disclosure-

The foreign shareholder disclosure by the two giants (HDFC Ltd and #HDFCBank)today is one of the rare events,as generally the shareholdings for a quarter is disclosed only in the beginning of next quarter HDFC - bseindia.com/xml-data/corpf…

HDFCB - bseindia.com/xml-data/corpf…

🔹Since the announcement of merger on April 04, 2022 HDFCB has corrected by 20% and HDFC by 18% vs Nifty Index which has declined by 10% till date.

HOW TO KILL A LION
CORPORATE STYLE

1. #PFIZER METHOD
Hire a lion, give him full rest, pay him more than his expectations, never ask for anything in the first two months. After two months tell him that you have to achieve your yearly target in 9 months. Lion dies of fear, that if he does not achieve this he will lose the jungle.

2. *AMAZON METHOD*:
Hire a lion, give him a hell of a lot of work, pay him a fat salary, more than the industry. Restructure his job every six months, as per your fancies.

*Tax Loss Harvesting*

As we are nearing end of Financial Year, note these points to save Capital Gains Tax

➡️(Long term capital gains/loss = For holding period more than 1 year

➡️Short term capital gains/loss = For holding period less than 1 year)
#investing #nifty #trading ➡️Rs.1 lakh profit in a Financial year is exempt as Long term capital gains. So book profits in shares & mutual funds together upto 1 lakh, and reinvest

➡️ If profits are more than 1 lakh, check if you can book loss in any of the holdings to set off.

Stocks in Germany, the UK, France, Italy, and Spain Plunge Below Year 2000 Levels: Buy-and-Hold Horror Shows
by Wolf Richter • Mar 6, 2022 •
Food for thought in light of the biggest stock market bubble in the US ever.
By Wolf Richter for WOLF STREET.
#investing Major European stock indices plunged below their bubble highs from over two decades ago. This is not to say that they plunged that much this week, but that they had finally risen past their prior bubble highs from over two decades ago, powered by money printing,

Another short investing story to help put successful investing into context.

David loves games, which is a bit of an understatement. He owns 756 board games, which I assume is a record if record-keepers kept track of such a thing.
#invest #nifty #investors I found David playing an old arcade game at our office. I asked if he prefers board games to video games. He wasn't sure, so I asked a different question, meant as a joke but it elicited a great response.

In 1888, in Curacao......

A bridge was built to connect two parts of the city. A toll tax was proposed but officials wanted it to be a "progressive" tax. They decided rich people will pay more to cross.

So how to identify rich and poor quickly? They had an idea, rich people wear shoes ( it's 1888 remember ), so they decided to charge a tax based on that. If you cross the bridge wearing shoes, you pay a tax, but if you are barefoot, you cross for free.

Simple
Easy
Difficult to avoid
Brilliant idea

Late last year,two young men decided to live a month of their lives on the income of an average poor Indian. One of them, Tushar, the son of a police officer in Haryana, studied at the University of Pennsylvania & worked for 3 years as an investment banker in the US and Singapore The other, Matt, migrated as a teenager to the States with his parents, and studied in MIT. Both decided at different points to return to India, joined the UID Project in Bengaluru, came to share a flat, and became close friends.

10 mindset tips for #traders.

1️⃣ Be process oriented. Trading is a business & your trading system is a business model.
The output is money which comes automatically when your system works right. Focus on the right execution of your system! You can Remove the P/L from your screen 2️⃣ Be careful with the information you consume. Everything we read, watch and listen to can have an influence on our mind. Only consume media which is helpful – avoid everything else. Ignore trader hero movies, hypes and popular bestseller books … Be selective!

WhatsApp forward but intriguing ;

The highest bull markets in any nation happen when the economy moves from 2 Trillion to 5 Trillion.

1) China took 5 years to go from 2 Trillion to 5 Trillion (2004-2009) – During this time the Hangsang went from 8500 to 32000 – A 4 times gain. USA took 11 years to go from 2 Trillion to 5 Trillion (1977-1988) – Dow Jones between 1977 to 2000 went from 700 levels to 12000 – Gain of 15 times.
Japan took 8.5 years to go from 2 to 5 Trillion (1978-1986) – Japanese stock market between 1978-1991 went from 2000 to 37000.

*Irrational exuberance and rational humility*

By R Gopalakrishnan

The writer was director, Tata Sons and vice chairman, Hindustan Unilever during his career

The disconnect between the fundamentals of several companies and their market valuations has widened over the last year. While this exuberance may well prove to be justified for a few companies, for most, it will be judged to have been thoroughly misplaced. 

Disruption is to be welcomed, it is a fantastic event. As history shows, the line between disruption and mania is thin—

*Home Loan @ 0% Interest*

*Do you know❔*
-------------------------------
💢You can get back all your Home loan interest you pay through EMI's.

*How❔*
-------------------------------
💢 If you avail Home loan of 10 lacs for 20 years with an interest rate 9.5% your.....
#SIP Monthly EMI: Rs. 9,321.31/-
Principal Amt : Rs. 10,00,000/-
Interest Payable : Rs. 12,37,144/-
Total Amt Payable: Rs.22,37,115/-

Now to get back your interest you just have to keep aside 0.10% of your home loan amount.
0.10% of 10,00,000/- is 1,000/- per month till the tenure

IMP Note for #ITC
“Committee is of the opinion that the FDI in tobacco sector albeit in a regulated manner would stimulate the production and processing of Indian tobacco thereby boosting its export.

Rerating Trigger ? The Committee, therefore, recommends the Department to undertake a study to analyse the prospects of opening FDI investments in the tobacco sector at the earliest,” the report states.

Currently, FDI is prohibited in manufacturing of cigars, cigarettes and tobacco substitutes.

1. *Uday Kotak on FT Live today.* *_Key points:*_
2. We are somewhere closer to the Investment cycle
3. Private Investment will go up either in 2022 or early 2023
4. Supply constraints and sustained demand pickup will propel New Investment Cycle
@udaykotak #banknifty 5. We have now greater clarity on how Covid19 will do for the past 15 months and even if it is going to be there for a while, we have now ways to meet with it.
6. India fared much better than countries like NZ, Singapore on dealing with 2.0 wave

*One sentence per chapter summary of Bhagavat Gita*

🕉

*BHAGWAD GITA*
_*in one sentence*_
_*per chapter...*_

*Chapter 1*

_Wrong thinking is the only problem in life_ *Chapter 2*

_Right knowledge is the ultimate solution to all our problems_

*Chapter 3*

_Selflessness is the only way to progress & prosperity_

*Chapter 4*

_Every act can be an act of prayer_

*Chapter 5*

_Renounce the ego of individuality & rejoice in the bliss of infinity

*Pearls of financial wisdom* 💰💰

1) Bonds are for storing wealth and equities are for creation of wealth.

2) In my opinion, the biggest asset one can have is zero debt.

3) The greatest discipline in personal finance is living below your means.
#investing 4) As Ben Carlson says, emotions cannot be back tested. That’s why past bear market always looks like opportunities and future ones scary.

5) Early financial independence and early retirement are completely different. To me, the former is a blessing and the latter is a curse.

PM, CM, MP, MLA, councilor, you can abuse and curse everyone all you can

But we, selling this 700-800 oximeter for 3000 + is us!

Those who are black marketing of oxygen
This is us!

Selling this remdesivir for 20000 + plus
This is us! Those who are doing dishonesty in the crematorium woods and asking for 20000 for cremation. This is us!

From looting in coconut water, fruits, vegetables, eggs, chicken, lentils to getting beds in hospitals, all these people have looted
This is us!

Doctor’s round table on India Today Channel having 4 highly reputed Doctors panel. It was very informative & I would like to pen down few important points made by these qualified Doctors :
1) Plasma therapy is not at all recommended in the 2nd wave by WHO or any other Organisations around the World. It is waste of time & money.
2) If needed, CT scan of lungs to be done between 5th to 7th day, otherwise report may be misguiding.
3) No need of any Medication in the 1st week of infection, except Paracetamol (if fever persists)

Sharing below a post from Hanuman Mal Bengani the ex CEO of Linde India.

Linde is one of the largest oxygen producers in India.

“Having spent my life time of 45 years in oxygen industry and involved with setting up 50% of production capacities in 🇮🇳 #India (as business head of Linde) I can share few things which will probably clear some of your thoughts. First few facts:

1) Industrial and medical oxygen are same product produced in same plant, stored in same tanks and filled in same cylinders. #IndiaFightsCOVID19 #8 Oxygen

Merck takes distance; you don't want to embark on a possible genocide.
Ken Frazier, CEO of the world's leading vaccine producer, the pharmaceutical company Merck & Co., in an interview with Professor Tsedal Neeley, from Harvard Business School, recalled that the fastest vaccine ever brought to market was medicine. from Merck against mumps, it took about four years!
- Merck's vaccine for Ebola took five and a half years and was only approved in Europe this month.
- The tuberculosis vaccine took 13 years! Rotavirus 15 years! and chickenpox 28 years !