China Policy of State Support to Companies May lead to Major Financial Crisis

Once the booming economy and the backbone of worldwide manufacturing is now reeling under tremendous pressure from all corners. China current generation of youngster never understood the meaning of economic downturn and always went from one step of growth to another. Chinese government did fabulous job in opening the their economic in a very controlled environment without losing the control of economy for the last 30 years and now giving direct competition to world power like USA, Russia and Japan.

Chinese government realized that if they want to get powerful in all front then they should be good in infrastructure as well as very strong export. For export Chinese government offered packages to local SME and SMB to start the manufacturing center and hire low cost of resource to keep the cost of the product low and then played around with their currency to maintain the trade surplus with most of the countries they did business.

The overheating of economy coupled with Global economic slowdown especially in Middle East impacted china hard. Most of the government funded companies started falling apart as well as private companies who took loans from banks start facing servicing their debt.

The stock market crashed and government were forced to jumped in and also devalued their currency to keep themselves competitive in the marketplace. It is correct that China is having sufficient foreign reserve to sustain the downturn but also having sprawling economy and population to support.

you take any industry and they are sitting on over capacity and dumping it to other countries which is creating lots of resentment about Chinese companies trade practices. The way India impost MIP (Minimum Import Price) to protect its Steel sector, I am sure other EU countries especially UK will be doing so soon. It wont be too far when the action by partner countries will impact the job market which will lead to mass layout in their core sector which will lead to more financial problem. I strongly believe that China government must be working on formula to reduce the capacity to ensure that their companies dont get the dent in any form

Is Indian Mobile Industry Undergoing Bubble Mode - Threat for International Brand

The falling economy in China took a major toll on Device ODM and OEM market place. The Mobility device sales including Smartphone are slowing down. The manufacturing capacity is higher than the market demand which also include the export market. The pressure on the financial forced many ODM to look towards the international market as OEM to keep running their assembly lines. Flushed with cash reserve many big names of China Smartphone segment started knocking Indian market. The extraordinary boom in e-commerce market segment of India and the players intention to grab the userbase were taken as opportunity by Chinese players to enter Indian market. One plus, Xiaomi, Meizu, Qiku, Coolpad, LeEco, Phicomm,Oppo, Vivo all entered into Indian marketplace through Online channel while collaborating with local Device servicing companies. The Discount offered by e-Commerce portal gave them instant access to broader reach to the market place. Being an ODM also, they were managed to keep the price of the device lower compared to Home grown Indian brands. The change in market dynamics dented the sales of Indian brands in big way and they scrambled to realign their strategy.

Vivo and Oppo infact opened their wallet and went for carpet promotion of their product whereas new entrant like LeEco and well established brand Gionee also went for advertisement route. On a contrary, Indian Brand played it strategically an pulled down their advertisement money to conserve their cash in order to be in the market place for long.

In my opinion, most of the Chinese brands are not EBITA positive and will not be the same in next threeyear. They hired Indian resources locally but the decision happens at the headquarters. Indian Players are playing a waiting game when these brands will be tired of buying market share on the basis of advertisement and discount and will start pulling out the Indian market the way many Chinese application provider after spending millions of $'s, acquired millions of user base but failed to make positive RoI and pulled out of India.

India is a market place where perception leads the product adoption not the Technology. For Indian, if they spend even $100 on Smartphone then they want uninterrupted quality coupled with servicing.

It will not be too far when advertisement led Smartphone sell through as well as user acquisition will start hurting the cash reserve of Chinese Brand and am sure that in next 12 months half of them will quit the Indian market place

Smartphone Manufacturing Sector in India - Overcapacity is Unavoidable

The uninterrupted Smartphone growth in India coupled with "Make in Initiative" launched by Government of India with many tax riders raised eyebrows of established Smartphone player as well as contract manufacturer.

Foxconnoffers 2.5 Mn handset manufacturing per month capacity with more than 25 assembly lines and in the process of adding 10 more lines. The Client list of Foxconn include Microsoft, Xiaomi, Oppo, Gionee, Asus and American brand Infocus

Optiemus Infracom which owns Zen Mobiles along with Taiwan-based OEM Wistron Corporation will commission its first factory by march 2016. It will have 16 Smartphone assembly line with installed Smartphone manufacturing capacity of 1.5 Mn per month.

Karbonn Mobile also jumped into manufacturing space by collaborating with VSUN and came out with 22 Smartphone assembly line with the monthly manufacturing capacity of 2.5 Mn per month. Karbonn Mobile made its intention clear that they will be investing multi million Dollars in due course to be the leader in the space .Intex investment in Greater Noida to expand its manufacturing capacity to speed up Go to market time of their devices or accessories in order to reduce the cycle time. Lava also earmarked multimillion Dollar to expand their manufacturing plant to fulfill their Smartphone device segment requirement as well as act as ODM for other OEM's willing to tap Indian market,

Micromax already started manufacturing mobile phones at its Rudraprayag facility inUttarakhand. Lenovo, one of the fastest growing brands is already procuring Smartphone through its contract manufacturer Flextronics. Other Smartphone player like Celkon, Spice and Videocon already manufacture their own Smartphone. India number one Smartphone player already manufacture their device in their one of the plant located in Noida. Last but most importantly, there are 100's of other manufacturers who entered into the segment with small number of assembly line in order to tap unbranded mobile handset player by offer them price benefits.

If we calculate the total capacity already in the market place then it is higher than total expected consumptions in Indian market place. Many of the Smartphone players are also using India as Manufacturing hub to export their Device to other countries such as CIS or Africa where they see huge potential. It is expected that more and more capacity will be added in due course. It is a known fact that replacement cycle in India is 2 years and over capacity may lead to a scenario where contract manufacturing price war start very soon which will dent in RoI of above mentioned players.

Bharti Airtel CEO Concern Around Data Adoption - Learning for All

Bharti Airtel came out with satisfactory Q1 FY17 result with growth in all segments. Bharti achieved improved from EBITA level and also managed to reduce their debt level while generating healthy cash flow generation. Most of the analyst was concerned about the fall in voice usages as well as impact on data usage path. On a contrary, the result indicated that Data User base increase marginally whereas the Data APRU is in and around $2.9; same as last quarter. 

The concern area is exponential growth in their data consumption which is stagnated around 1GB per active user. With around 59 Mn Data users, Bharti Airtel is again Number one in the segment. The per user data consumption clearly indicate that Indian user appetite level and it may increase to 2 GB down the line once the price deduction implemented by Bharti Airtel. The recent interview by Bharti Airtel CEO Mr. Gopal Vittal that device price point acts showstopper but we all need to understand that we should not go by the number of mobile connection but should focus on literacy rate of India. As of today, India is having around 310 Mn data user and at max it can go to 450 even if device price go down to 1000 INR. 

According to one article published in Moneycontrol.com that around 133.3 Mn citizen income is less than 5000 INR per month and in that scenario, we must discard those userbase as potential data user. At the same Mobile penetration in rural sector is around 41% and that comes around 500 Mn wherein those user are only interested to receive call and generally uses missed call to inform the other side to call them back. Even though you capture15% of such user then out of 633 Mn TAM, the SAM will be around 100 Mn and there any operator will face the issue of payment recovery. The cost of laying down the network vs. cost recovered is near to zero and we should learn from BSNL situation. Based on the above calculation we are left with 700 Mn connection available in Rural and sub rural segment and dominant connection comes from Metro. The Tele-density of Urban area is around 150% and that reduce the TAM of 700 Mn to 500 Mn. Basis the calculation we have TAM of 600 Mn and we already captured 50% of the same as active userbase. If we deduct 70Mn -80Mn userbase who is using double connection then we are left with 520 Mn user base which left us with around 210 Mn additional user to be grabbed.

The analysis clearly indicates that we all are over optimistic about the growth of data user and data usage in India. We should also be very cautious about the potential of growing APRU and it will only go down the line post Reliance Jio launch. Bharti Airtel cleverly placed its alternative data product in the market place which in-turn started generating revenue and will continue to grow but other service providers needs to give serious thought about the path to 4G. It will be interesting how Reliance jio will play out in terms of pricing and positioning of their services through subsidy and how far they can sustain subsidy

Best Footballer Cristiano Ronaldo & Lionel Messi Failed When Representing Country Flag

Football is one of the most popular game and generate Billions of $ and support many industrial sector directly and indirectly. Football madness can be seen in Europe and Latin America from where most of the legend came and hoping that the trend will continue in coming future.

Currently, worldwide footballer as well as spectator are madly in love with Ronaldo and Messi for their class and consider their dribbling as one of the best. If they represent any club considered as guarantee for the success of that club. Messi single handedly took Barcelona to multiple tournament final as well as success whereas we don't need to talk about the class of Ronaldo. His presence in the field means success for the club or country as opponent put their entire defence to mitigate Ronaldo quick movement in the field.

Strangely, When it comes to representing their countries both Messi and Ronaldo failed miserably. Let's take the recent COPA cup where Messi missed to take the country to the conclusion whereas Ronaldo managed to win the European cup but his performance was not as per his standard and I must admit that the win came because of very strong defence of Portugal team.

In my opinion, Ronaldo and Messi should not be burden with sense of performance accountability while they represent their counties. Even though it's our pleasure to see them showing their magic legs movement and wish them all the success in their life

Why India Lost his Edge in BPO segment

Once the darling destination of Global companies for their backend and customer support service, India lost ground faster than water flowing during flood. Year of 2005 to 2009 were considered as golden period for Indian BPO sector and every one were jumping in the business as an opportunistic investor to mint money. Global companies defined the processes and trained Indian professionals in order to execute the job but unfortunately India failed to showcase its strength in the BPO sector the way it showed it to IT sector. The reasons are many but some of the basic error which companies did turned out to be suicidal and those are as follows:

1.       Data Integrity mechanism were flawed

2.       Gaps in Training and Retraining

3.       Outsourcing of work

4.       Behavior with the Client

5.       Cheating with Clients

6.       Committed vs Delivered Delivery

7.       And many more

Few incident of data theft by an employee came to International media which made most of the
companies suspicious about ethical processes. The South East Asia based countries took the opportunity and grabbed most of the business of India and in turn India lost value Foreign currency as well as millions of citizens lost their job.
 

EU in Troubled Water

I want to give an opinion over happening is going on with European countries these days.The most important part of this recent activity that UK decided to get out of the European Union in order to safeguard the Industrial Sector because of its skilled or unskilled resources,most of the countries want to get out of it that is the major disappointment for the 

European Countries that will impact the contribution from UK to European Union firm in order to fund the New Member or Less economical stable countries to sustain their social security.These days ,European commission based countries basically becoming a target of terrorist.In Short this video is all about how European Union facing a problem these days and exit of UK from European Union.

Android OS is bound to Loose Market Share to Indus OS in India - It's Unavoidable Given Ongoing Circumstance

With the invention of open source Android OS released by Google changed the world of mobility across global. It helped world to communicate seamlessly through the seamless support of OTT. More than 2.5 billion device with Android OS is already in circulation worldwide. 

The unimaginable adoption and growth turned Google to use the inventory as money minting machine. In India, Android OS continue to dominate and thanks to Chinese ODM vendors who adopted Android faster than anyone and Indian player used to blindly import the device with their logo patched in on the top to tap in the growing demand.

Indus OS captured the pain point of Indian consumer and Mr.Rakesh Deshmukh, the CEO of Indus OS decided to take on Android OS head on. Indus OS offer 14 plus language with multiple feature which is simple to use and as the per the need to mass Indian userbase With the support of Angel investor, organization successfully demonstrated their product innovation to the market place and now 4 Mn plus device is in the market place with Indus OS. 

The recent development are even more encouraging when home grown device manufacturer turned their focus towards rural sector to get their device sold as they are facing stiff competition in Urban marketplace. Indus collaboration with Micromax and successful adoption of such devices carrying Indus OS offered instant confidence in their Operating System. 

Today, Celkon and Swipe came to their fold and many other Smartphone players such as lava, iball, Intex, Karbonn will be joining the bandwagon very soon as it is known fact in India that if One do and get successful then others just follow as they learn from the leader.

I believe that FY 18, will be the year of Indus OS. In my point of view, Indus OS will easily capture 10% plus market share in FY 17 and around 30 to 35% market share by FY18.  It is the high time for Google to change their strategy to secure their turf. I also believe that Intex recent launch of Smartphone with Saliish OS is also not a good sign for Google Android ecosystem.

Narendra Modi With 6C's Excellence

For the last two years India is a buzz around the globe for all good reasons. Most of the global leaders to country is willing to work with India as partner and offered India equal stature which we missed since independence.  The credit goes to Honorable Indian Prime Minister Mr. Narender Modi with his 6C's excellence in management and execution. He is the prime minister of "Do it" instead of “will do it ". During his last 2 year tenure, he brought the social sector into limelight with well crafted benefited and ensured that it reaches to the right hand and on the other hand he extended his arm to all and invited them to invest in India. His continuous traveling to convince global leaders that India is now talks execution and there is no tapes in the system brought most of the global and domestic companies to initiate a process of investment which in turn will offer millions of jobs for Indians. I call him the founding stone of India future which will convert India from laggard to leader in all fronts. 

Invest in Power Sector - Use the Ministry Initiated Reform for Better Return

In the last 6 months, Indian power sector witnessed merger and acquisition happening across Power sector. It is an indication that consolidation is underway and stretched power companies are trying to sell their jewel assets at throw away price to meet their debt servicing obligation. Thanks to stretched public sector bank who generously offered loans to power sector is now reeling under major NPA issue in the power sector.

The recent acquisition of AdaniPower of Lanco Infratech Udipi plant, Tata Power acquisition of Welspun group renewal power plant, JSW Energy acquisition of JP associate Bina plant as well Jindal Steel & Power' s Chhattisgarh thermal plant constitute of total M&A of around $4Bn. It will help Indian Bank to recover much needed cash which they can repump into the system as well as open the opportunity for the acquirer to stabilize the tariff in the market place. 

At the same time ReliancePower and Adani agreed to venture out to Bangladesh to set up the power plant over there. At the same time Power ministry of UDAY program offered the comfort zone to state dis comm. The power ministry close collaboration with Power sector firms and firm policy help government to auction coal blocks which many power company to run their plant efficiently and effectively.

Investor should remember that Indian economy on the verge major growth path and in case GST comes into forcethen GDP will have another 2% point growth. In the economic growth environment the first sector which gets benefited is power and metal. Reliance Power, Adani Power, JSW Energy should be in investor radar and investor must take market correction in order to accumulate shares in order to keep the price point lower.

Disclaimer - Please consult your financial adviser

Carry Positive frame of Mind- Success Guaranteed

Indian Mobile Advertisement Player - Shooting Blindly

The Smartphone adoption and subsequent flood of startup's with mobility centric focus changed the dynamics of Advertisement market place. Few years back all brand were focusing on print or TV media whereas in current environment mobile advertisement segment is attracting investment as well as attention from the startup focusing on Mobile Application reaching out to Advertisement Network to acquire additional userbase to justify the investment they received from the investor as well as asking for further investment by showing growing Daily Active User's.

The double digit growth in Smartphone also prompted Ad Networks to enhance their platform to ensure that they deliver the number what Mobile Application providers are asking for. Most of the Ad Network made the fortune in the last 4 years and many new player jumped in to milk out easy revenue stream. The rush by the Application developer flushed in with funding helped the ecosystem grow faster than Industry but completely missed the attached innovation required to serve the end consumer as per their need as well as to acquire quality user with higher retention percentage. 

The Mobile Advertisement sector innovated unique mechanism to incentivize end consumer to get the download wherein tried to reduce the Cost of user acquisition for Application provider. Most of the incent wall offer recharge on he data and voice side but they don't tell end user that at the end they need to pay for  the data. In that scenario, end mobile user is paying more than what they are getting as return from these incent wall. On a contrary, The incent wall offer application listing to end consumer without knowing anything about it. I am writing the above as I have done extensive research on the pain point of end consumer what is being enforced onto end consumer. If one ask Mobile Advertisement company about it then they say that end user can block this by choosing disable advertisement which is generally placed in Non Incent wall.

The Indian Mobile Advertisement companies as well as Application Developer must move to next level of innovation by offering options to end consumer only post knowing end consumer.

India 4G Road map - Invest in On mobile Global with long Term Horizon

On mobile Global is one of the major players in Indian Mobile VAS ecosystem with strong presence across different geographies. Post MVAS regulation implementation in India during 2011-12, most of the Mobile Value Added Company underwent major shock wave and tried hard to cover themselves from direct and indirect impact. The Listed On mobile Global equity price went through major hammering. Investor also lost their confidence in Company Compliance which led to major CXO level exist.

On mobile Global during 2014, called as major laggard in Indian equity market when its price even went to INR 28 to 29 ranges. By Early 2015, management started putting all the building blocks of their product line and kept their focus on Ring back tone which helped them to gain Telephonic business in Europe to Americas whereas gain business from Airtel Africa unit. Management also managed to sell non performing business unit and invested the same in data centric business to offer data centric service, platform to B2B and B2C. It is expected that their investment in content procurement is going to bring fruit with the higher adoption by end consumer post data price war start between Incumbent Mobile Service Provider and Reliance Jio.

The equity price started recovering and by the end of 2015, On mobile Global equity gave excellent return to its investors. Currently the equity price is hovering between INR 115 to INR 124 and company is relying heavily on fully fledged adoption of 4G network by the end user. Most of On mobile global competitor changed their strategy and moved into the Application segment whereas On mobile global invested heavily on the platform side which kept their differentiation in the marketplace.

In my point of view, the dividend paying company as well as active share buyback on regular interval helped On mobile global to regain their investor confidence. I will not be surprised in a scenario, On mobile give further 50% return in next 12 month given the dynamics of Telecom sector in geographies they are operating.

In my point of view, retail investor should think of buying the equity on delivery basis rather than F&O basis to be on the safer side.

Disclaimer; I invested in Onmobile Global and advise reader or potential investor's to consult their financial advisor before investing

Reliance Jio SIM Offering With Unlimited Data & Voice to Samsung User

For More Details and Videos Visit here 

Why Escorts Is On The Verge Of Major Growth Path

In recent quarter, Escorts indicated to Investor community that they have done the transformation through innovating product line. The different business unit of Escorts such as Heavy Machinery, Agricultural Tractors, Hydraulic Mobile Cranes, Farm Equipment's and Railway suffered downturn from 2013 to Early 2015 and forced the organisation to change their strategy on the Research development to Product development to market positioning. The pain went out of control post last two year of draught and slow economic growth.

The continuous effort by the Promoter group and relentless effort by its Product and Sales team turned the company in the last two quarter. For the past few months Escorts is showing positive sales report on their management is positive about the sales growth and expect the sales growth to be in the range of 15 plus % point year on year.

The stock price in the last few months shouted upwards and also attracted the best investor Rakesh Jhunjhunwala eye who bought good chunk of equity at lower price.

With very good monsoon trend in North India where Escorts is having very strong footing, I will not be surprised that they gain market share and achieve more than 20 % y-o-y growth path. The cost optimization also helped them to improve their cash flow and profitability. I expect that equity price will easily give 30 to 40 % in next 6 to 9 month. It's a must have equity for all retail investor. I call these kind of companies as pension companies. Given their market cap, I must highlight that their land properties is more or less value the market cap of the company.

Disclaimer - Please consult your financial advisor

Should India Go For An IPO Of Life Insurance Of India

As India is going through the major Non Performing Assets and exposed the weakness of Indian banking sector predominantly in the public sector segment. Time to time, government jumped in to pump in additional fund within banking sector to keep it running. In this whole process, Life Insurance of India, Government of India undertaking proactively supported struggling bank with cash infusion and became the part owner of the these bank. Whenever Indian government owned company floats Offer for Sale with higher price point which are not well accepted by the investor community are supported by LIC India.

Indian generally believe more in government attached and approved insurance firm as many ponzy scheme in the past dented Indian consumer. Even after the relaxation of Insurance sector, around 80% of Indian population is not covered with Insurance and I am not considering Prime minister of India Mr. Narendra Modi initiated insurance for all as sum assured of those insurance policy is near to zero given the cost of living in India as nothing is being offered for free from government.

At the same time, being the oldest Insurance firm, they have Billions of $ sitting with them which is unaccounted for and at the same managing hundreds of billions $ assets. Lic India owns equity most of the blue chip company under their equity and debt investment plan and make more than $ 2 Bn on yearly basis.

As honorable prime minister of India, Mr. Narendra Modi, vision of making India as manufacturing, port, transport hub; I believe that Lic India may play a crucial role to fund those project. In case, government of India decide to go for listing, Lic India can easily be the number one company in market cap and may hover around $125 to $150 Bn . As per the Indian Equity market regulator body SEBI, public or institutional investor must own 25% of the company and that will help government to collect around $25 Bn to $30 Bn. I also believe that it will help government to reduce their market borrowing and also help India to get better rating from Global Rating agency.

Given the current trend of Indian equity market, it is the right time for government to give a shot at it rather than keep diluting 10's of metal or oil related company to garner less than $5 to $10 Bn yearly when they can get bigger pie. Rest assured that Lic India will be oversubscribed and will break all records.

Indian Hotel Recent Move to Realign - Boom-Boom Opportunity For Investors

Recently Indian Hotel Ltd, a group company of Tata Group is in news for all good reasons. Company came back to black with good profitability and revenue number during March 2016 quarter and it is expected that they will be coming out with extremely good number for April-June 2016 quarter. The company equity price is trading around 131 INR which takes its market capitalization of around $1.9 Bn with a debt level of around $600. It is expected that the debt level will go down by 25% post Taj Boston sellout at $125 Mn and Samsara Properties Ltd sellout at $49.57 Mn. It will help Indian Hotel to reduce the financing cost which will be EBIT positive and subsequently higher EPS.

Indian Hotel Limited also changed their strategy wherein they are going on asset light properties under management contract rather than owning the properties. With the Indian and US economy recovery wherein Indian Hotel Ltd owns or operate their maximum properties under different brand name will be one of the major beneficial and expected to beat the industry growth. Given the higher brand recognition, 

Dividend payout and free hotel coupons which Indian hotel limited offer to its customer investor should consider that they are paying 13% lower in longer term. It is expected that by December 2016 Holiday season, the company equity will be around 40 to 50% higher than the current prevailing price.

Disclaimer - Consult your financial advisor before investing

Reliance Jio Trial User Data usage Pattern - Clear Indication of Indian Mobile User Mindset & Business Threat

I was reading an interesting article about the data usage across different service providers including Reliance Jio. According the published report in Business standard , Most of the incumbents Mobile service provider based user at an average consume less than 1 GB data ( approximately 0.8 GB) per month whereas recently launched Reliance Jio trial userbase of 7 million showed exceptionally good result on data download Reliance Jio trial user base is consuming around 19.2 GB per month. Isn't it mind blowing and why the incumbent Mobile Service providers failed to find such a data hungry userbase. Indian Mobile Service Provider at an average generates Data ARPU of around $1.65 and if they will get the trial userbase of Reliance Jio then their data APRU will be one of the highest across all geographies.

In point of view, Reliance Jio userbase usage pattern is just an illusion and nothing else. It clearly indicate that Indian Mobile user always prefer to hop for the free services. It would be interesting to see what will be per user data consumption when it comes to Reliance Jio once they launch full commercial services.

I would like to remind RelianceJio that India implemented Mobile Number Portability ( MNP) and more than 23% of the VLR active userbase already hopped from one Mobile Service Provider to another one. When Mobile Number Portability ( MNP) came to force then Indian Incumbent faced very high churn rate as mobile user misused the clause of MNP. In order to acquire new user, the new Mobile Service provider's offered number of freebies and mobile user opted for it and once they consumed the free talk time to data, they moved to another network and hence they effectively possessed free mobile connections.

I am confident that Reliance Jio is going to get around 15 to 20 million userbase within first full commercialized financial year but will have very high churn rate. As per the rumor in the market that Reliance Jio will position its service with veryaggressive subscription price point but at the same time they should be ready to deal with the MNP issue which they cannot avoid.

The Incumbent like Airtel, Idea and Vodafone will play around in the same strategic and tactical way to let Reliance capture market share and let go their low ARPU generating user which in turn will hurt Reliance Jio more as Reliance Jio will be offering service in subsidized manner.

At the same time Reliance Jio should be ready for bad debt when it comes to recovery of monthly bill, the way many new entrant of 2011-2013 faced.

Reliance may analyze the trial data as optimistic result but in my point of view, its a warning bell for them and they should do the position of the product strategically so that they don't hurt themselves more than their competitors

Apple Gearing Up For Major Launch Iphone 7 – Strategic Pricing and Configuration May Bring Pain to Players like Samsung, Sony & Others

The recent article in Times ofIndia, Apple is on the verge of major  launch of  their 7th series of  iphone range with 3 different flavor such as  iphone 7,  iphone 7 plus and I phone 7 pro. While iphone 7 will have 4.7 inches display whereas both 7 plus and 7 pro will have 5.5 inches display to target both consumer and presume segment. The prices of the devices are already leaked out, thanks to Chinese social website Weibo.

The following specifications and price point expected based on the Weibo.

 The tentative prices of iphone 7 version for:-

•          32 GB may carry a price point of INR 53000
•          64 GB may carry a price point of INR 61000
•          256 GB may carry a price point of INR 71000

For iphone 7 plus of:-

•          32 GB may carry a price point of INR 61000
•          128 GB may carry a price point of INR 69000
•          256 GB may carry a price point of INR 79000

Lastly, For iphone 7 pro with:-

•         32 GB may carry a price point of INR  71000
• ·       128 GB and 256 GB may carry a price point of INR 79000 and INR 89000 respectively.

The next series of iphone 7 is powered by apple processor. They are using apple’s A10 Processor in iphone 7 which may carry 2 GB RAM whereas both iphone plus and iphone pro have the same CPU and will have 4 GB RAM. Maybe this will be hoax or correct information so let’s hope for the best. If it is correct then it’s a real threat to players like Samsung, Sony, LG and other players in the high end segment. 

It will have immediate impact on Samsung costly 6 series price point. One should not be surprised in a scenario of iphone comes out with metal variant also. The lower price point of iphone 7 will be targeted towards to mass consumer segment and Apple will try to generate additional revenue through their software service segment

Apple I phone 7 will launch in first week of September !

Invest in Ashok Leyland - Take Advantage of Recent Fall

Ashok Leyland is one of the major driving force in Indian Commercial vehicle segment. Company recently moved out of non strategic domain and realigned their business on its strong segment. Company in last many months continuously showed growth in monthly sales. The flood in Chennai impacted their production center and impacted the monthly sales recently which dented the investor sentiments. 

They are not the long term investor but the F&O player who marked down the equity price. The company share price went by 15% in the last 30 days and it's an opportunity for long term investor to invest in company share. This kind of company share should be considered as pension share because of their strong foothold in the market place through quality product. I am expecting the bounce back of company share and won't be surprised if the share price cross 150 in next 6 months on the back of strong monsoon and festive season.

Apple Equity Price Is Expected To Break The Losing Trend - Bound To Offer Excellent Result On Investment

Post Apple iPhone 6 range of device and continuous struggle in China prompted many die-hard investors of Apple to book profit with negative perception that Apple is losing the competitive edge over the competitors in lucrative market. Samsung blockbuster 6 series added the fuel without any doubt. The share price went down in high double digit and fear factor gripped the investor.

It's really laughable that the company like Apple future don't rely on the success of one product. Apple cash cow is its software business with strong EBIT level. It’s correct that they struggled with their new range of device but they are still the first choice of premium customer base worldwide. It’s no considered as Product Company but a status symbol for the end user.

It is expected that Apple will refine or position new range of product line in both wireless and wire line business during their Sept - Oct period Product refreshment.

It is also widely expected that they will go for acquisition spree to pick small an innovative companies and use their cash hoardings.

Alcoa Inc. Earning Report Transcript On 11th July 2016 - Indication Of Economic State & Great Investment Opportunity

Alcoa Inc is going to start the US earning season kickoff and will indicate the state of economy. For the last 2 year, company is facing dwindling earning due to glut in Aluminum market price and lackluster demand from key sectors like auto and aerospace.

The share price of $9.9 is very attractive entry point for the value investor and investor may require to be invested for next 3 to 4 quarter to reap in the solid return.

The replacement market trend indicates the revival of replacement cycle which will push the price of commodity to a level which will add to company EBITA.

The base of the company is very strong with very entrenched reach within the auto and aerospace industry. The expected upturn of auto and aerospace industry post the slow and steady recovery of US economy will act as fuel for the organization. Its advisable to invest before they release their result post the trading day of 11th July 2016.

Disclaimer - Consult your financial consultant before investing

Invest in HSIL - Ride on Indian Prime Minister Vision

Honorable Indian Prime Minister is on fire with his vision on cleanness and sanitation. The impact is visible across different villages' to cities. The phase one of government awareness program across population is through and now government is allocating huge funds for the same. Even Indian railway is also investing heavily on the same. 

HSIL the known name in the sanitary segment in India. The equity price took the tailwind direction as management took reorganization of business unit to be more focused on the profitable segment of the business. 

Company is more or less through with their investment to enhance their product awareness to maintain the edge over the competitor. It is expected that the company will do extremely good as government unfold their infrastructure reform. The company equity price got its bottom and hovers around 240 to 320 INR range. Investor who is willing to park their money for long term may consider HSIL as safe bet. I see 30 % return in next 12 months.

 Disclaimer - Consult your financial consultant before investing

Investment in Tribhovandas Jeweller's - An Opportunity for Long Term Investor

Tribhovandas jeweler is ones of the most respected jewelers in North India for their quality product in the gold segment. They entered into the equity market with full fanfare but faced the turbulent time post dismal performance. Management quickly identified the gap and move strategically to start increasing its footprint through franchisee model in tier 2 and tier 3 cities. 

The stock price stumbles from 180 level to 60 INR in the last one year. Company in recent quarter made respectable profit and the market capitalization's is also under 500 Cr.

As global economy is again entering into economic crisis thanks to confusion created by UK referendum coupled with unrest in Middle East. The lack of economic growth and the signal supported by US Federal Reserve indicate the investor to turn towards Gold and the price went above $1400 ounce. 

It is expected that the gold price will cross $1550 in coming quarter. At the same time, Indian economy is coming on track and the monsoon  is tracking in the right direction which in turn will give more bump to gold buyer community during festive time especially in tier 2 and tier 3 where Tribhovandas already showing their presence. 

It will help company to increase their margin and subsequently increased profitability which will attract retail investor towards the company equity. In my point of view, the stock price may jump more than 50 % very quickly with little good news flow from the company.

Disclaimer - Consult your financial consultant before investing

Cost Saving by Global Mobile Phone Giants Taught the Art of Mobile Device Innovation to Chinese Players

In between 2000 to 2005, most of the global Mobile Phone Giants like Motorola, Samsung, Sony, Ericsson, Panasonic, Sharp and many more battled hard to capture or recapture the lost market share. The dynamic change in Mobile Device design led by Samsung Camera phone took the other giants like Nokia and Motorola by surprise and start gaining market share in Europe which used to be the cash cow of these giants.

During that period, Chinese Mobile device user's generally opted for global brand in the lieu of missing local players. Most of the global giants bought manufacturing space in Chinese ODM's to ensure the lost cost of production to maintain the fat margin to support their very high cost oriented research and development team whereas the local Chinese ODM's were happy with their business and revenue model.

The entry of Open Source Android on the one side gave a flip to new era of innovation to Device OEM's with their own flavor of Android with multiple differentiated features. Most of them used to take the help of ODM' resources to get the features implemented before giving  a go-ahead to ODM for mass production.

The Strategic move of global player to consider Chinese ODM's as manufacturer turned out as suicidal. The continuous half a decade training to thousands of Chinese ODM's resources acted like a backbone of new revolution within Mobility Industry as they started designing their own devices and first penetrated into local and surrounding market place. The sudden loss of market share of Motorola and Nokia in China encouraged the local government and they offered special economic help to innovators to start their own Mobility brand.

By 2010-11, many small time ODM player of 2005 era became the giant of mobility business in China as well as in oversees market. The speed of innovations, speed of execution while keeping the cost low completely knocked out many global giants. Motorola got into trouble even after very successful product of Razor in 2005 to 2007 and got sold out to one then ultimately landed in Chinese player kitty. Once the supplier became the owner of Motorola. Sony Ericsson faced the similar fate and it forced Ericsson to sell its stake to Sony. Samsung lost its position in China.

In my opinion, It was not the strategic blunder of Global giant but the Government rule related to salaries and taxes. For example, Finnish government took Nokiaas money minting machine and completely failed to promote and protect the organization at the time of need. On a contrary, Apple strategy worked fantastically due to their very secretive nature when it comes to their software and hardware business. 

Churning Out Global Business Leaders

Washington State’s online MBA degree is devised in such a way that students are able to internalize the local side of business but at the same time are able to don the hat of a modern business professional who can create a business that is not only successful locally and regionally but one that also has the ability to stand to its true potential even internationally.

When one has to choose a right college for MBA program, it is important to consider several factors which include the reputation of the University, the curriculum, student community, library facilities, and of course the teaching staff. This isn’t just for a regular MBA course but even for online MBA program, these factors are as essential. Online MBA degree has several advantages, some of which are:

A futuristic MBA program: When you choose the Wake Forest for online MBA programs, you do not get just a degree but you also walk away with the practical wisdom to put into practice what you have learnt. It is an innovative degree that is designed with a view to make students understand the needs of global business. The course is designed in such a way that while dealing with essential and standard business concepts, it also challenges students to apply theory in real-life business situations, thus allowing them to enhance their critical thinking levels, encouraging problem solving and help them in decision making. Depending on how much an individual possesses these three skills, he or she can be a better or an average manager. It is one of the unique combination university has come up with. It makes you ready to be part of any field of corporate culture.

Benefits of associating with Washington State University for online MBA

One of the most reputed and top-ranking programs, Washington State University’s online MBA course offers flexibility, a curriculum devised to meet the challenges of contemporary business trends and is thus suitable for business and non-business students. Washington University has been imparting quality management education since 5 decades and more. Though its online MBA program is only two decades old, it has already been ranked as the 7th best online graduate business program in a recent US News and World Survey. The survey takes into account various factors such as student engagement, technology, training module and faculty quality.

As per Best Colleges Review, Washington State University is ranked 9th in its Best 25 online MBA programs. 

It offers an exhaustive interactive online learning experience that encourages a fresh student to possess business acumen and knowledge that paves way for his entry into a highly fulfilling career.

It is one of best universities that gives a thorough learning experience to students and helps them transform into successful leaders. The University’s course is designed in such a way that it enables students to focus on the career path they intend to take and then tailor their education needs to match their goals.

The university also imparts advance knowledge in various academic principles.

Innovative educational modules are what set Washington State University apart from others. The students of the university are imbibed with not only leadership skills but they also have a sense of responsibility towards the society.

Businesses are meant to improve the economy of the state but at the same time it should also have the potential to better the economy of the nation and the world. The students of Washington State University are encourage to apply their knowledge in such a way that they are able to use their expertise to engage local and global business needs to help improve the society and through it the world, through better business modules and management.