The Thin Line between Failure and Success - 3A's

03:07:00 Add Comment

The economical environmental change which is happening constantly impacted the parameters of Success and Failure of each and every individual. The assessment of Success or failure is one of the most difficult aspects for anyone as it is linked with intrinsic nature of Individual.

The followings are the KPI's which we need to keep in mind to analyze the thin line and accordingly define the refine or define the path to grow further or mitigate the fall.

1.      Approach - Every Individual approach towards the professional and personal life is the benchmark of Success and Failure.  I would like to divide the approach into two segments as Positive or Negative.


Positive Approach -The positive impact of Positive Approach - Many individual tends to tilt towards the positive approach of taking any action or reaction subject to circumstances. Positive approach leads to peace of mind, enhances thinking process, Increase the capability of Introspection and subsequent improvement, Calm Nature, Increase confidence. The positive approach always reduces the presumption based behavioral aspect and turns into reality based practical behavioral aspect to taking any assignment to conclusion.

Negative Approach - The individual tends to move with negative approach actually dig their grave by themselves. Negative approach always force individual to take action on the presumption and assumption. They work on, "If this than that" without even starting any action. The approach impacts the nerve system of Individual and subsequently they tend to play blame game more than investing time on the actual activities for which they are accountable for. The individual falls under this category generally face anxiety, Low confidence, Stress, Inferiority complex, Tends to stay away from Crowd and always tends to follow instead leader.


2.    Attitude - The another aspect which may impact the success vs. failure probability is Attitude. The individual carrying positive attitude always tends to initiate any activity by them. They carry the go getter attitude and always tries to learn from others and are the one who takes the criticisms on their stride with an intention to improve. The attitude leads the individual to stand differentiated among 1000's. The negative attitude individual just gets into depression and spoils their professional front as they lack the attitude to trust someone and always doubt other recommendations.

3.    Adoption - We all in our professional and personal life travel across different geography wherein partners to workplace carry different race and religion. It is utmost important to respect every race, religion, culture and food of every country. Individual taking the first step to reach out to others with good communication and listening capabilities and tries to understand the geographies to organization to society or city culture tends to get the warm reception but at the same time the other individual who tends to criticize are generally left alone. Its a common criteria that if one make the first move always gets better chance to be adopted into the system rather than the section of individual waiting the other side to approach them.


As a conclusion, The thin line is nothing but our thinking process. Trust, Communication, Respect and Help are the sub section which can take any to the brighter side of success.


Who Is Responsible For Reliance Communication Current Situation

03:01:00


Just like a fairy tale story once upon a time…. in 2004 -2005 era Reliance communication was the darling of every user in India. Wow, then what happened; Reliance communications business came to younger son of Respectable DB Ambani and he changed the track of the company direction. Reliance was instrumental in bringing devices to common hand and thought that once user will get habitual like alcohol then start charging end user. As a smart user, once user stopped getting the free talk time they moved to other service provider without closing the existing connection. That led to detoriation of HLR vs. VLR active user % and also impacted the ARPU.

It is really interesting to observe that Reliance communications selected CDMA just opposite of majority of other player and in turn lack of fashionable devices and it also helped competitor to snatch the remaining user base. The growth rate of Reliance Communication landed at the lower end as they invested in domain like undersea cable to data center where the business is capex intensive but global downturn as well as offering of better value proposition based cloud based solution blocked Reliance Communications path to prosperity.
In most recent quarterly report, the user Base came down to 102 mn andARPU is one of the lowest among peers. They claim to have 34 million plus data user Base and generating one of the lowest again.

In order to reestablish itself, they merged with MTS brand ownerwhere Reliance communications will still hold 90%, on the other side they are talking with Aircel another Indian service provider reeling under huge debt plus failed to attract high ARPU userbase.

I am following Reliance communications for the last 3.5 yearand every year they come up with one or another punch line that they are going to sell their tower business and they are in discussions  including exclusive discussion  but unfortunately the tiered investor all the time keep on waiting.

Six months back they announced that they are on the verge and equity price got the bump upwards and now they are saying that it will be done post Aircel deal. How they can claim that it will be done post Aircel deal when Aircel deal discussion just got extended.

In my point of view, that equity investor will not buy the point that what is your EBITA and concern regarding serving of debt but they actually want them to see tower and other non profitable business to reduce the interest cost and in turn increase the earning per share.
The current state of Reliance Communications foundation happened on the day they started giving subsidized device with Reliance communications connection.
Now they are doing another mistake of forcing more than 6 mn to port to their new network otherwise they are disconnecting the service. I am sure it is not going to help them as well as take them anywhere.

It's a strategy of Reliance communications to stream line the business and then get acquired or merged with Reliance Jio. We should not forget that how Reliance Jio entered into it indirectly.

Invest in Sintex Industries - Revival and Growth is visible

23:58:00

Sintax Industries suffered a bit in terms of profitability and debt repayment (FCCB) in the last 2 year due to very high capex to enhance the capacity. Now the first phase is already done and in their recent report which cover last 4 quarter, they have shown QoQ and YoY growth with the projection of 20% top line growth in 2017 along with the margin improvement.

Out of the 4 business segment, two business segments is already started contributed in big way to their profitability and expected that the remaining 2 business will be on top gear as economic state in India gets bit better.

The stock price is 40% lower than their peak and offer very good opportunity for the long term investor. Recent addition in F&O market from 1st of July 2016 will trigger heavy betting on stock. I expect bit of volatility in next two week.


Disclaimer - It's author opinion and please talks to your financial advisor before investing

What Prompted UK to Go for Referendum to be Part of Euro Zone - Impact Analysis

06:04:00

In 1999, European countries led by leading country like Germany, France, UK convinced smaller countries to be part of European Union with common currency to create the super market area with free flow of one country citizen into another to increase better understanding of culture. In the beginning itself many country adopted common European Union Currency but many like Denmark, UK and few others kept them self away from adopting common currency.

European Union decided to keep the administration center at Brussels and down the line managed to tag in most of first lot of 27 countries. In order to create economic zone and with a agenda to attract CIS countries also they also allowed Soviet dominated countries in Euro Zone and supported them with billions of Euros on their infrastructure to bring to the same level.

Its a saying that when all good then all tries to take the credit and that what exactly happened. It was clear that Brussels headquarter got dominated by Germany, France and Belgium whereas UK were treated like supporting partner.

The Financial crisis in Greece, Portugal and Spain first showed the differences within different group of countries within EU.

The crisis led European Union into recession and rich countries were liable to keep funding reckless countries which failed to put a tab on their pension to expenditure.

Then came the influx of skilled and semi skilled labor in rich countries for better future also impacted the job prospect of locals.


UK always used to be in the mind set of leading the European point of view on the world forum found its self isolated. Most of the major decisions were moved from UK to Germany and its partner. UK opposition received golden chance to press the parliament to go for referendum post terrorist attack in France followed by in Brussels by inflicting the fear factor among UK citizen.

The impact of UK exit from Euro zone will have double sword attack across European Union attach counties. Already reeling under recession, Euro Zone will go further into recession and more importantly the creditability of Euro currency will get dented whereas UK will have to reestablish the diplomatically and commercial contact again. In my point of view, UK currency will also get the hit in the first few quarter whereas the maximum gainer will be US $ and can showcase that US $ is the only alternative to trade which Euro attempted to break when may Middle East counties started demanding payment in Euro's.

The biggest beneficiary of Politico- commercial disruption will go in Russia favor and they will have upper talking point with CIS countries to be associated with Russia for Trade and Russia and other CIS countries may open their market completely for UK given recent tension among EU and Russia over Ukraine.

In my point of view, UK will decide to move out of EU and the reason will be security and on the commercial side, Gold will fly upwards like never before.
Transition Required Worldwide - United Bombing Center To World Food Center

Transition Required Worldwide - United Bombing Center To World Food Center

04:01:00
 Post World War 2, all countries decided to create an environment where people can leave peacefully. The atom bomb on two cities of Japan showed the whole world the destruction impact on humans and its generation. Post war two group got created and that led to cold war between USA and Soviet Union which again landed as in a situation of 3rd world war.
At one side, developed countries were busy in showing their strength and spent billions whereas many countries in the absence of support from developed countries turned into economical and cultural trouble.
The fight of dominance also brought the best of Technology in all domain and started changing the human life. Developed countries captured United Nation indirectly and started dictating the world. Most interesting act was the security council. I failed to understand the inclusion of UK and France and the veto power to china and USA.
Some time I feel that United Nation lost its relevance by now. The emergence of Soviet Invasion in Afghanistan and USA support to local to fight Soviets started the terrorist culture and many terrorist group which received unlimited funding.
Now, the learning we provided is turning the world into United bombing center and now no one guarantee where and when bomb will fly.
At the same time many countries are reeling under drought and people are suffering from Hunger. Children's are dying but we are dropping bomb and developing cutting edge destructive ammunition.
Can't we all which include all counties come to common platform and agree upon that whatever ammunition we are developing and the budget we allocated, we will deduct that by half and will help poor countries where really the need of food is there will be taken care off. Many countries sells Food grains and make foreign currency. Cant we just agree that we will give the same to people who needs to fill their stomach.
It's surprising that we are throwing Trillions of $ in arms but cant spend or give away Billions for human beings. Let's make our society as United Food center.
It's my personal view.

Trust NOT the Money is the foundation of Relationship, Happiness, Peace & Prosperity

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In today's world everyone is disturbed for one or another reason. For example, someone is not getting job, another is having family or health problem, someone is not getting married and X,Y,Z. All leads to anxious moment in life and we as human first run towards religious center for guidance.

In my point of view, everyone should be religious but should have the trust on God that God is giving the entire problem to make all of us to go through the process to make our life even better.

We generally having a tendency to think that if one is having money or materialistic means then we are happy in all front whereas the close one only come and offer their moral support, having lunch or dinner and then forget about one's problem.
At the end:


who is having problem - It's you!

Who needs to solve it - It's you

Who needs to make an effort - It's you!

Who will gain - It's you!

But we as human miss that part completely because when time is tough, most of us go negative about anything or everything. We miss to recognize that there is always someone in your life directly or indirectly, are it blood or non blood relation cares for you. You just need to have an eye to catch that.


Human always lack Trust factor, be it any geography and doubt other side. We all should first learn to trust someone first. It helps you to take out your entire problem and sometime you get an answer by revealing your problem. 

On a contrary, we tends to carry two mask on our face and never carry to guts to say thank you and appreciate someone for their helps once we go through the rough patch. Once we do implement simple theory of Trust, we get lots of true well wisher who comes forward and help us to sail through the tough time.


During that process, one only needs the first kick of success and that motivates one to pass through the entire hurdle.It is also utmost important to keep remembering the tough time and keep appreciating the people who were around you when you went down. During good time, you should be careful of your surrounding as many opportunistic people will be around whereas the actual trustworthy people will be sitting on the bench and looking at your stupid move.

CHOOSE YOUR PATH CORRECTLY, NEVER KEEP THINS INSIDE, LEARN TO SHARE, BE HAPPY

Impact Of Stress In Professional & Personal Life - You Need To Decide

00:44:00

As we moved from “rural to urban life”, “single floor apartment to multistoried one”, “from simple office to tinted glass office”; every one life changed for good as well as bad. Some of us managed to move forward in more demanding society covering both professional and personal front. Some of us got trapped in catch up situation.

With further evolution and typical human nature to match or compare himself or herself landed us in a scenario of continuous thinking process in proactively as well as negative manner. The constant evolution of technology and associated Industry pressurized professional to put in extra effort to keep catching up with fast changing professional requirement to safeguard their job and at the same time. compromised their personal life.


In one or another form most of us goes through number of instances everyday which piles on our stress factor. Sometime we manage to find out the reason of stress but most of the time we fail to even identify the reason and keep looking here and there to find out the solution.

If we look at most of the reports released by major research firm, Stress related problems are on the rise with double digit growth, Divorce rate is going up, Domestic violence is on the rise but all of us fail the two different aspect of stress and its impact.

Stress comes with one's capability to manage their professional and personal life under unwarranted situation and in some case we as a human is having a tendency to take unwarranted thinking process. Many top notch scientist generally goes through the maximum Stress but they manages to cope up with it because of their thought process. We all need to change our thought process and make ourself understand that Stress is not going to bring any happiness.


How Negative Thinking Based Human Gets Impacted By Stress And Its Ultimate Impact In His Or Her Life

ü  Negative thinking
ü  Always think that they are right and all others are wrong
ü  Keep thinking one thing continuously
ü  Adamant to be in closed environment
ü  Never try to listen other and change
ü  Blaming Attitude
ü  Escapist Attitude from unwarranted situation
ü  Non Social in nature
ü  Fluctuating decision making process
ü  Never trust anyone
ü  Rarely speak out
ü  & Many more

The Following Thought Process Impacts Anyone In The Following One

ü  Digestive system problem
ü  High Blood Pressure
ü  Irritable Bowel Syndrome
ü  Psychological problem
ü  Problem at home if married

If one look at the impact, Stress can be as harmful as disease which never let you live or die but to suffer in a situation which lands you in mercy situation

The Solution Of Stress Is Simple If One Really Want To Implement And Are As Follows

ü  Talk about your problem with your family
ü  Listen to other recommendation and try to implement it
ü  Make friends
ü  Do whatever you like to do which makes you happy
ü  Never think that you are weak and identify the area where you are strong
ü  Start writing whatever you want to write
ü  Always think that Stress is not going to give anything. Always " Give Tension & Never Take It" . For that enhance your skill in your area by allocating three hour when whole world is sleeping
ü  Cherish your small achievement and try to get more
ü  Talk to yourself and make yourself convinced that you are the only loser. Your near and dear one can only " Give you medicine but cannot take your problem"
ü  Think that it's my problem and i have to solve my own problem
ü  Get involved in activities which you hate the most
ü  Talk with your family and play with your kids
ü  Never think that you will lose job, Please remember that Company needs your caliber more than you need the Job
ü  In case your manager carry lack of knowledge and he or she is the reason of Stress then please ensure that you communicate or document everything and never argue with them. You can't make a donkey a monkey.

I strongly believe that if all of us will try to follow even few pointer and gets successful to achieve few; our and our near & dear one life will be prosperous.


Microsoft Acquisition Of Linkedin - Direct Acquisition Of Creamy Layer User's

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Few days back, I wrote an article titled "LinkedIn as undisputed king of Professional world" Came true as Microsoft took a bold step to acquire LinkedIn with phenomenal 49% premium to their current share price. I was reading article floating here and there that Microsoft paid extra for the LinkedIn and is it possible for them to recoup their Investment and RoI. Many analyst started talking about Microsoft failed acquisition in the past and I can understand that its always easy to find out the negative approach in any acquisition.

My take on the acquisition are as follows:

It clearly indicate that US based companies are getting confident about the US economy and M&A is on the rise. The case is also supported with another tech acquisition of Blue Coat by Symantec.


When Facebook paid huge premium to Whatsapp then every appreciated because that it was having userbase at the same level as LinkedIn is having without any monetization plan. My query to all that, Why Facebook paid $19 Plus billion for Whatsapp. We don't have an answer but they played with the user usages pattern and accordingly populate the advertisement on user facebook to make more money through advertisement. We all observed huge growth in Facebook advertisement business and infact without advertisement revenue Facebook is nothing.


Google attempted to suppress most of the organization through their Android ecosystem and made it mandatory to have 30 different type of Google services and making Billions of $ in revenue as well as imposed their browser too. They are also using BI and AI to populate advertisement platform and we all know the size of their advertisement business.


The most interesting move of Microsoft is their tactical business move to cloud and mobility based focused on dynamic service. We must agree that their Skype acquisition started showing positive result and millions of users are getting attracted towards the robust service. Recently, I observed that they started monetizing Skype through advertisement business and very soon it will be major contributor to their overall revenue with very high EBITA.

The acquisition of LinkedIn with 440 Million plus userbase, around $4Bn Revenue with positive operating cash flow will enable Microsoft to make the organization profitable quickly through synergy.

The competitor of  Microsoft in the B2C segment should be ready to face the new unmatched product with Skype attached LinkedIn Service and It may Challenge YouTube in the field of professional world.


LinkedIn additional assets SlideShare can be additional assets for Microsoft to integrate with their Window operating system or convert it as another product MS office Suite.

Regarding the offer price, based on the result, LinkedIn balance sheet is having $3.2 billion of cash and marketable securities and acquisition is inclusive of cash means the actual payout is around $23 Billion. 

In my point of view, Microsoft will come out very fast with multiple Product line which will have Skype plus LinkedIn and one should not be surprised that it goes mobile in big way

Worldwide Telecom Regulatory Body Should Consider Charging Spectrum Fee Linked With User ARPU

00:52:00

We all are aware that Spectrum is one of the most precious assets of any country and regulatory body faces uphill task to manage the balance within different segment of Industry and most importantly defence sector.

We are also well aware that the auction of 3G spectrum in Europe triggered Telecom initiated global recession in 2001 to 2004 wherein many Telecom service providers put in multibillion $ bet in auction with a view that data centric products and services will fly off without any problem. Unfortunately, the limitation of 3G supported devices, concern around device battery, and lack of coverage delayed the maturity time from 5 years to 10 years. On a contrary, Japan, South Korea, USA, and China succeeded in adopting it and user responded back with higher adoption.

Given the successful adoption of Technology and growth, many countries only adopt the procedure without digging down deep to understand geo political condition. None of the Telecom Networks run by any service providers cannot be successful without the maturity of ecosystem which is combination of services, platform and Applications as it is the building blocks of Telecom service provider revenue stream other than voice services.

For Example, China government control Telecom services through three entities and ensure that Telecom service providers are supported in all way. That is one of the reason that the implementation of home grown 3G and 4G standard being adopted by even global equipment supplier to ensure that they capture most lucrative market.


If we look at the APRU both on Voice and Data, I want to keep it to abstract level and want to mention Japan, USA, South Korea, China, Germany, Switzerland, UK as some of the countries where ARPU is generating high APRU on both voice and data front. One of the major reason of the same is the voice an data package bundled with device which help user to shell out minimum to acquire data centric service. While package gets over and user device gets unlocked by the Telecom service provider; user understand the true value of offered services and subscription success rate achieve higher percentage.

On a contrary, Developing and nascent stage countries trying to connect their citizen with telecom services identified it as an opportunity to raise funds for the government without analyzing the cascading impact on overall economy. India is one of the unique examples of the same. With every auction of spectrum, the regulatory body raised the base price per Mz and focused on the number of user instead of APRU generated by each user. It shocking to know that even African countries where Airtel is offering their service generating higher ARPU than India both on the voice and data side. In that scenario why we call African countries poor countries.  I failed to understand the higher base price for the spectrum. If regulatory body is so confident about the Telecom growth then I challenge Indian regulators to put their skin in the game and offer free spectrum to Telecom service provider and be a partner of all Telecom service provider. In my point of view, the developed countries based regulators should consider giving free spectrum and they should take the path of revenue share to ensure recurring revenue for the government.

In the current form of Government policy of auctioning spectrum plus charging hefty direct and indirect taxes on the Telecom service provider which is landing Telecom service provider into debt and it's not far away that they will crumble into another segment with higher NPA. Most interesting post auctioning the spectrum regulators should not interfere the voice and data pricing as it is contracting to their statement that spectrum auction is on the basis of market discovery.

In my point of view, Regulator should recommend the Government of different demographics to be part of the ecosystem and enjoy the growth as well as they should burn their fingers if losses popup. It will release higher free cash flow for the Telecom service provider which in turn will get circulated within ecosystem and will have huge driver for the continuous growth irrespective minor hurdles
Reader’s feedback will be highly appreciable.

News Aggregator Application Entry into India -Indian News Application Publisher shooting itself

02:56:00

The growth of Android and iOS mobile operating system based Smartphone coupled with high speed network attracted many players. One of them are news centric companies in order to grab more market share & reaching out to millions. It bypassed their previous limitation of global, regional or local level based on their dominance.

At the same time, the open source Android ecosystem and higher agility offering to user through mobility device forced many established player's to reduce their reliance on print segment and started adopting the mobile centric offering of news.

The dynamically Android provisioning mechanism of news feeds to user received very good reception by end user and the adoption of news applications were flooded in the market place. Many leading newspaper captured existing and new user which in-turned acted as inventory to promote third party application or generate advertisement revenue as the time spent by an active user is at higher end of the ecosystem.

The higher monetization potential in the news segment attracted many players who struggled to monetization of their application even after having 2 to 3 Mn DAU (Daily Active User) base.


In the absence of monetization & Stickiness, most of the companies reached out to blogger community to news paper application providers to get their feeds so that non performing application on the monetization part start generating revenue whereas News Applications provider thought that they will get the traffic and offered their feeds to news aggregator applications provider or third party applications provider with different content.

I want to remind News Application providers that they have spent Multibillion $ to acquire user and what was the need of that if at the end they decided to give their news feed to others. Why user will keep 10 apps of new but will prefer to have aggregator one.

In my point of view, its shooting on your feet All the best to such News Companies offering feeds to 3rd party.

Indian Banks NPA & Restructured Loan Issues - Blamed Others for Own Mistake

01:26:00

For the last two years, the state of Indian Public Sector bank is not in good shape. Everyone is throwing ball in each other court and more specifically, the gifted economy by previous government. As per the article by The Indian Express, Public Sector bank is sitting on more than $110 Bn restructured loan and NPA's whereas write off already done is only for $18 Bn.

The Indian Central Bank Governor took bold step to clean up the books of bank to ensure that next level of growth happen from start while current government is trying to fund the losses of PSU banks by increasing the excise duty on Oil as well as not reducing the oil price.

We all the time blame the industry for taking the loan and not servicing sky high interest rate. I would like to put across few facts which everyone should ask from the employee of PSU banks.

ü  Do they know the analytics or not. If yes, then why they kept on giving the loan to companies having problem of servicing of interest only. Don't blame others but blame internal team members.

ü  Government bank always gives loan against securities, what happened to those securities. They can sell and reduce some losses.

ü  Many Companies reached out to bank for the waiver of high interest rate for certain duration so that money goes in the improvement of infrastructure of companies and ultimately improves the performance.

ü  Why bank is crying that they incurred losses, loan rate of 10 o 15% on the commercial is one of the highest and they made handsome interest rate. Why they did not tried to recover their principle amount.

It's very easy to say that X, Y, Z did a wrong business step and got trapped in this mess but in my point of view; PSU did the blunder as ignorance overweighed duties where they overlooked many KPI's to fulfill their quarterly target and taking home the fat award.
In point of view; RBI must think of hiring professional to run the PSU bank and apply the same rule which US Federal Reserve implemented post financial crisis.
It's my point of view, if anyone is having better view then please contributes.

Reliance Jio Launching 4G Network & LYF Device - Confusing State

00:24:00

I am truly impressed with the kind of speed Reliance Jio owned LYF Smartphone brand is getting flooded in the market place. More impressive is the price point which is really very competitive and may offer competitor tough time to match. As per the report, Reliance Jio, placed multi million device order to its contract manufacturer getting the price benefits and implemented their refinery business model into wherein they are playing on volume with thin margin.

More interesting that its available across online and offline channel which in turn playing disruptive in the market place.

They have launched some of the device wherein mentioned categorically mentioning the supported network but one needs to understand that in wireless network there are different categories and Reliance Jio is launching 4G network offering very high speed of data transfer which is very much dependent on Network.

Some of the launched devices are as follows and one can observe the RAM and Battery specifications.

Water 5.0, 1GB RAM, Battery 2000 mHA

Flame1, RAM 1GB, Battery 2000 mHA

Flame 6, RAM 512 MB Battery, Battery 1750 mHA

Some of them are for GSM but it should be communicated very clearly to end user as most of the user by now in India is aware that Reliance is going to offer very low priced data. In that case the adoption of such devices at the lowest possible rate will be flying out of the shop in no time.


Just to add that the mentioned devices even with 1GB RAM and mentioned battery will  not be efficient enough to give good experience on 4G network as it is more on the data and that too video centric. Even though Reliance Jio offer best network, device battery will dry out in no time and will face heating problem.

What i can understand that Reliance Jio wants to grab the market share in device market to ensure multi billion $ valuation of that business unit while making its loss marking service business turn out to be positive.


In my point of view, Reliance Jio must go to market with an advertisement that LYF device support all network and not dependent on only Reliance Jio network so that they grab market share even more quickly. Right now it's very confusing which I believe they should correct.  Keep going