அட போங்கடா!

மாறன் பிரதர்ஸ் உம் நம்ம முதல்வர் கருணாநிதி முதல் சம்சாரம் குடும்பம் மீண்டும் ஒன்றாக சேர்ந்த கதை தான் சொல்ல வரேன்...
சன் டிவி பண பட்டுவாடா praசனையில் இரு குடும்பமும் மோதி கொண்டன. எரிகிற தியில் என்னை உறுவது போல் தினகரன் பத்திரிக்கை கருத்து கண்ணிப்பு வர எல்லாம் போர் மாயம்...

மகனா ? பேரனa ? என்று குழம்பாமல் மகனை ஆதரித்தார் கருணா...
அதன் விளைவு, தயாநிதி பதவி , தினகரன் ஆபீஸ் எரிப்பு, இரண்டு உழியர் கொலை, கனிமொழி பதவி ஏற்பு , சோனியா காந்தி பஞ்சாயத்து, அரசு கேபிள் டிவி என்று பல விசயங்கள் நடந்து முடிந்துவிட்டன...

கலைஞர் டிவி பார்க்கும் நேரம் போக மீதி இருந்த நேரத்தில் ஒரு நாள் ஒரு கவிதை எழுதி வெளியிட்டார்..
அது தான் சாக்கு என்று கலாநிதி அவர் ஒரு விளக்கம் கொடுக்க...
அடிபோனது கோபாலபுரம் !
இப்படியா போனால் நம்ம வரவு செலவு கணக்கு எல்லாம் நாறிடும் என்று அவசர அவசர மகா பஞ்சாயத்து பேசபட்டு அனைவரும் ஒன்று சேர்த்து கருணாநிதியின் மனதை இனிக்க வைத்து விட்டார்களா.

இதனால் இன்றைக்கு தேதியில் அந்தரத்தில் தொங்குவது !!!

கனிமொழி, ஆற்காடு, ராஜா தான்...

இதனால் அறியபடு வது என்ன வேனில், aaவர்கள் அடித்து கொள்வார்கள் குடி கொள்வார்கள் , நாம் இனியாவது வேடிக்கை பார்க்காமல் நம்ம நேரத்தை கைபற்றி கொள்வோம்...

A Safe Citizen!!

Terrorists attacks in Mumbai Hotel Taj, Oberoi, Nariman House, cst station, colaba house....

More than 200 people died and hundreds injured, indians shaken..

After 59 hours of commando operation, Mumbai relieved..

One terrorist captured alive...

Investigation reveals Pak's ISI, Dawood, Lashkar..

Terrorists ate 5kg of chicken and mutton biryani..when india is under siege..

GPS to navigate from Karachi to Mumbai..

Use of advanced weapons...grenades..rifles..

Political parties taking milage in blaming each others...

Businessmen condemning govt on lack of crisis infrastruture..

Tv programs showing deceased persons photos and their family members, a patriotic theme running in the background..

Pak found guilty...of this ghastly act..

Pak reluctant in sending their ISI chief to india..

Pak moving all the 1lakh army soldiers to Indian borders from Afganistan tribal areas..anticipating a military reaction...

World leaders condemning terroism...

America on 'one president at a time'..

Above are the news podcast from all leading news portals, tv's, magazines...etc...

Where are we ? 

Its very painful...

Modernisation, Globalization, 123 Agreement, Reforms - For WHAT ?

When there is no Human Values...?!!

Double checked my house gates and enterance doors...if properly locked! I am blogging...My son and wife are waiting in bed room for my arrival... Lot of responsibilities at stake..

God save us..

Let all the deceased souls rest in peace...

Very disturbing....

சாய் சரண் - கடவுளின் அன்பளிப்பு

நாளை எங்களின் இரண்டவுது வருட திருமண நாள். என் மனைவி என் வாழ்கையில் கிடைத்திருக்கும் அறிய போகிஷம்...

இன்று போல் என்றும் நாங்கள் அன்போடு இருக்க கடவுள் அருள வேண்டும்..

தப்பித்தார் விக்ரம் பண்டிட் ...

அமெரிக்கா மத்திய வங்கி இருபது பில்லியன் டாலர் கடன் உதவி அளித்ததனால் சிடி வங்கி திவால் ஆகாமல் தடுக்கப்பட்டது. விக்ரம் பண்டிட் தன்னுடைய பதவியும் தக்க வைத்து கொண்டார் . சிடி வங்கி போல் மேலும் எத்தனை வங்கிகளோ!! பேங்க் அப் அமெரிக்காவும் அடுத்த வாரம் சந்தைக்கு வரும் போல தெரிகிறது

ஒபாமா வுக்கு தாவு திரிந்துடும் போல ....

Vikram Pandit...

The man who was looked as the most promising person to turnaround citibank today found no supporters within 1 year of his appointment as CEO of the world's largest bank. The board of citibank is now looking to sack Vikram pandit, to infuse confidence to the bank from the public.

As of now, to go by US Presdential results, Barrack Obama is the only person where America is keeping hopes to bring the country out of the mess.

Bad Luck for the Indian American...!!!

நன்றி !!

படித்தபின் மறக்காமல் உங்கள் கருத்துக்களை பதிவு செய்யவும்..

Back again....

Friends, hope everyone is doing fine. It has been a long time I had posted but now since i got a new internet connection for my laptop..i think from now i can publish more posts.

Many things are happening, lay offs across industries employees at all level, corporates looking the govt for bail out, FM requesting the corporates to cut costs, product costs, banks looking for favourable cut in repo rate, reverse repo rate, IT companies looking for new business, billing pressure, parents rejecting IT and banking brides and bridegrooms,auto majors cutting the number of production days for a week, energy scarcity etc etc etc...

Human resources once considered assets are now considered as liabilities. Corporates are reducing man power and saving costs to improve their profit margins instead thinking of alternate strategic new oppurtunities.

A news site states, after financial and real estate, Auto industry is also looking out for bail out from the government in the US. General Motors, Chrysler and Ford are on the blink of bankruptcy. Let watch the G20 summit's 6 week strategy to curb this global crisis...Hope, it wouldnt aggrevate the crisis...

US Knock Out..

The US financial crisis is spreading globally..Now Britain is preparing a package for a big bail out to provide stability in the financial system. The Japanese market, Ireland, Iceland, asian markets, all emerging countries BRIc are keeping their hands crossed watching the developments cautiously and closely...

Why this happened?

Below are may be reasons,

Greedy investment banking companies...

Unregulated US Financial Market..

Lethargic response and monitoring by the Federal Reserve...

High handed economical behaviour of united states againcst major countries...

More importantly the un-necessary IRAG war.

The widely accepted reason for the crisis is subprime mortgauge losses.. There are 2 kinds of customers - credit worthy and risky customers(customers who has bad credit history). Buying a home is always considered as a necessity across the globe. More importantly investing in land has not let anyone down.,..keeping this in mind and demand for home loans, the banks in US started giving loans to customers for the period of 15 to 20 years...

so far so good..

The best brains in the financial industry, the investment banking companies which is highly unregulated in US financial market started looking at this avenue to generate revenue without any effort. IBc started buying their loan instruments from banks and started selling the loan into smaller pieces and sold it to potential clients across the globe. In return of this the potential investors (like japanese pension finds, international banks etc) gave fatty commision to the IBc. The banks also shared their profits with the investment companies which they got as the EMI from the customer every month. The IBc will then distribute the money to the investors of the loan instrument. To convince and sell this instrument to investors, the IBcs roped in major insurance providers like AIG to provide insurance to the credit swaps.

What is the advantage for the banks to sell this instruments??

The bank when it offers a loan to a customer it locks its money for a longer duration.If the customer buys a 50 lakh property, if bank provides loan for him for 40 -50 lakhs the money is locked to one customer by bank for the period of 20 years.The customer may repay the loan in eMI's with interest. When it sells the loan to IBc's it gets it money immdly. The only thing is it has to share the profit wiht the buyer. 

What went wrong??

Banks offlate went agressive in offering loans to the customers especially to the sub prime customers...without checking the credibility of the people which led to major default numbers. As the EMI's went pending it couldnt pay its credit to the IBc'. As more number of defaults went high the insurance companies couldnt manage claims. It ate their treasury. Investors across the globe saw ther investments went for a toss. To offset this loss, they started to pull out all their strategic investments across the globe which resulted in markets crash across economies.

What is in store for India?

When FII's start pulling out their investments in various companies and stock markets, the market will crash. Thats already happening. As the FII's inflow gets reduced there will be major demand for credit for industries to perform, as a result the companies will post poor earnings which inturn affect the growth rate of the economy.

Lesson for india

The Reserve bank of india should monitor the indian financial system continuosly and regulate the banking system not to indulge in credit swaps to keep the sentiment of the growth rate positive.

Cheers..

Hi All!

Hi Welcome everyone, writing blog was one of my long lasting wishes. Due to lack of time, laziness...and at last today i found time to open up.After a long browsing of various web sites of social networking, I landed successfully in blogger.com. Thanks for Google's reach. Thanks to Gandhi Jayanthi...:)

Somewhere i read in one of the columns of Finance Minister of India P.Chidambaram which he says writing will bring discipline in thoughts. So to chisel myself and vent my happiness , anger, concerns about my environment, society, family, wife, health, eduation, technology, books, money, finance and anything i feel i would like to pour here....bear with me...lets collabrate.....Happy Blogging....

Cheers.....