Nayantara

Anuskha Spicy Stills

Pawan Kalyan launched "Common man protection force"

Pawan Kalyan launched an organization called ‘Common man protection force’ to help the society with a corpus fund of 1 crore rupees.

Pawan Kalyan said, “I am an Indian. I don’t have any caste, creed and religion. I am inspired by the national leaders who brought us the independence. I want to use all the force of my fans to enlighten the society and try to solve the social problems in society like child prostitution, fluorosis in Warangal etc. I don’t lie and I have clean history. The only case I have now is about bigamy. I don’t want to comment about as the matter is with the court. I don’t mind going to jail if court finds me guilty.”

Pawan Kalyan said that he saved 1.32 crores rupees in fixed deposit and he is donating 1 crore out of it for this fund. He said that he is not after investments and buying more properties. He feels guilty to enjoy luxurious life while the common man is suffering with myriad of problems.

He said that he won’t mind whatever happens and he would be dedicating rest of his life for ‘Common Man Protection Force’.

If you want to contact Common Man Protection Force, you may call 98663 44833 and 98663 44733..

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Telangana – Still Seeking Justice

The Real Politics in India 2

When to Sell a Mutual Fund

The right time and reasons to say farewell to your mutual fund.

The media has no trouble telling you what funds to buy and when, but finding advice on when to cut a fund loose is much harder to come by.

Sometimes parting with a mutual fund can be a difficult task. Other times it can be quite easy. More often than not, investors tend to sell their mutual fund holdings for the wrong reasons. So before you make a hasty decision, please read the following list of the correct reasons to sell a mutual fund investment:

You Need the Money
Sometimes there will be circumstances in your life when you must sell your investments. It is important for you to weigh out alternatives to selling your investments because it could really hurt you in the long term (see “The Power of Compounding Interest“). You may be able to get a loan or borrow the money. If you can get a rate lower than your expected returns on your investment, it might be best to hold off on selling your investments.

Your Situation Has Changed
If you are at a different stage in your life, you may want to consider selling your fund. As you near retirement, you may want to consider more conservative funds. If you get married, you may need to compromise your risk tolerance and desired returns with that of your spouse.

The Fund Has Changed Its Style or Objective
It is important to consider your original reason for buying a fund. If you bought a small cap fund to help diversify your portfolio, but you notice that it is investing in large blue-chip companies, then you should consider selling that fund.

The Fund is Underperforming
This reason for selling, although valid in certain conditions, is where most investors make a mistake. When calculating performance don’t look at too short of a period and don’t compare apples to oranges.

It is important to base your decision on relative performance not absolute performance. When your fund is down 5% while other funds or the market in general are up 10%, it is very tempting to switch over to what is “hot.” This is called “Chasing Performance” and is the best way to shoot yourself in the foot.

When studying relative performance, you look at your fund and compare it to its peers. If your fund is a utility fund, you should not be comparing it to the S&P 500. When choosing a benchmark, you must select funds in the same category (asset class). If your utility fund was down 2% and you found out that the average utility fund was down 4%, then this is not a good enough reason to sell it. It helps to compare your fund to its peers by looking at the 1-year, 3-year, and 5-year performance. If it has underperformed the average of its peers in all cases, then you have good reason to sell your fund.

The Fund Manager Has Changed
A simple change of fund managers, in itself, is not enough reason to sell a fund on a short-term basis. If it is a passively managed fund (index fund), then you have little to no reason to worry. If it is an actively managed fund, then you should keep on eye on the new manager. Give the new manager a few years before you decide to cut them off. Believe it or not, there are plenty of quality fund managers to replace your manager no matter how good he or she was.

The Fund Size Has Changed
Sometimes size does matter! One great example is a small cap fund. A small cap fund manager may be great at picking small company stocks and their success can often lead to their failure. Here is an example:

Fund Manager Joe is great at picking a portfolio of 30 small company stocks. His success brings a lot of attention to his fund in the media, resulting in a large increase in assets in his fund. The problem is that he now has such a large amount of money to dump into these small stocks that he may end up owning 10% of a particular stock, which leads to liquidity problems (because his fund becomes a major shareholder of the stock). To get around this problem, he has to hold more stocks. It was tough enough for him to pick 30 quality companies, but now he is forced to find 50 or 60.

The Fund’s Expense Ratio Rises
A small rise in an expense ratio is not a big deal, but when you see a significant rise you may want to consider selling the fund. In the case of bond funds or money market funds, it is highly unlikely that the fund can increase its returns enough to justify an increase in the fund’s expenses. Remember, these expenses only subtract from your returns.

If you were considering selling your fund and the primary reason for selling it was not on the list, you may want to reconsider.

Disadvantages of Mutual Funds

There are dozens of magazines cluttering the shelves of your local book megastore with covers proclaiming “The Best Mutual Funds You’ll Ever Find for This Year!”, “Mutual Funds That Really Work in Crazy Markets Like This One!” and other equally over-capitalized headlines. Don’t pay any attention to them. Almost everything that you’ll ever need to know about mutual funds is contained in these four simple words: “Buy an index fund.” If that seems too simple and not sufficiently attention grabbing, try it this way: “BUY AN INDEX FUND!”

Advantages of Mutual Funds

• Diversification. Buying a mutual fund provides instant holdings of several different companies.
• Liquidity. Like individual stocks, a mutual fund investment can be converted into cash upon your request.

Disadvantages of Mutual Funds

• The Wisdom of Professional Management. That’s right, this is not an advantage. The average mutual fund manager is no better at picking stocks than the average nonprofessional, but charges fees as though she is.
• No Control. Unlike picking your own individual stocks, a mutual fund puts you in the passenger seat of somebody else’s car.
• Dilution. Mutual funds generally have such small holdings of so many different stocks that insanely great performance by a fund’s top holdings still doesn’t make much of a difference in a mutual fund’s total performance.
• Buried Costs. Many mutual funds specialize in burying their costs and in hiring salesmen who do not make those costs clear to their clients.

What Are The Advantages Of Mutual Funds?

The main advantage of a mutual fund is that they diversify your investment portfolio. That way, the risk is reduced. Unfortunately, that doesn’t mean that, if there is a market crash, your investment won’t suffer. For example, imagine that the whole raw materials craze that exists in the world is just a bubble.

If China stops buying them, for one reason or the other, people will get mad. Prices would fall and mutual funds that depend on commodities would suffer greatly. In this type of instances, there is no much to do but assume the loss. After all, that is the way of the market. For all possibility of gaining money, there is a risk entailed.

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Of course, there are other types of mutual funds with a much lower risk, for example, municipal bond funds. With this type of bonds, municipalities finance their long term infrastructures. Since this type of investment is considered more solid than the up and downs of the commodities market, the possibility of loosing your money due to an unexpected event is reduced.

But that also means that the amount of money that you will earn is a lot less. These funds are very attractive for people who don’t want to invest their money in risky businesses. For example, old people who are looking for ways to maintain the money that they have accumulated after decades of work.

Another advantage of mutual funds is that they are managed by professionals. Active management guarantees you that the best analysts will be the ones evaluating bond mutual funds, looking for new opportunities. After all, it is in their best interest. If they invest correctly, their clients will make a lot of money. Ergo, they wil l have more clients and more revenue. If they don’t invest correctly, they will find themselves without clients, and without jobs.

Let’s take one of the many companies in the market. For example, Fidelity bond funds. Fidelity Investments has been in the market for more than 50 years, and they know that the best way to attend their clients is through information. That’s why, when you enter their webpage, you will find tons of processed data on the different types of financial products that they offer to the market.

As you can see, bond mutual funds aren’t for everyone. If you want to pursue a riskier path, but more profitable path, then you should choose other type of security. But, if you want to feel more sure about your money, then it is the way to go. Fortunately, there are many options to choose from, like emerging market bond funds, international bond funds, tax exempt bond funds or municipal bond funds.

Saawariya (2007)

Directors – Sanjay Leela Bhansali
Producer – Sanjay Leela Bhansali & SPE Films India PVT.LTD
Cast : Ranbir Kapoor, Sonam Kapoor, Salman Khan, Rani Mukherjee, Zohra Sehgal, Begum Para.
Music Director – Monty
Lyrics – Sameer
Singers : Shreya Ghoshal , Kunal Ganjawala , Shail hada , Alka Yagnik , Parthiv Gohil , Richa Sharma , Shaan

** —-> Track List <—- **
01 – Saawariya

02 – Jab Se Tere Naina

03 – Masha-Allah

04 – Thode Badmash

05 – Yoon Shabnami

06 – Daras Bina Nahin

07 – Sawar Gayi

08 – Jaan -e- Jaan

09 – Pari

10 – Chhabeela

Sleepless nights bad for brain

A few nights without sleep can not only make people tired and emotional, but may actually put the brain into a primitive “fight or flight” state, researchers said on Wednesday.

Brain images of otherwise healthy men and women showed two full days without sleep seemed to rewire their brains, re-directing activity from the calming and rational prefrontal cortex to the “fear center” — the amygdala.

“It’s almost as though, without sleep, the brain had reverted back to more primitive patterns of activity, in that it was unable to put emotional experiences into context and produce controlled, appropriate responses,” said Matthew Walker of the University of California Berkeley, who led the study.

That a lack of sleep can make people grumpy is hardly news. “We all know implicitly the link between bad sleep the night before and bad mood the next day. We are just adding the brain basis to what we knew,” Walker said in a telephone interview.

Walker and colleagues at Harvard Medical School used functional magnetic resonance imaging, which can scan brain activity in real time, to see what was going on in the brains of their 26 young adult volunteers.

Half were kept awake for a day, a night and another full day. The other half slept as normal. Walker’s team said they noticed profound changes in the brain activity of those volunteers who stayed up.

“We found a strong overreaction from the emotional centers of the brain,” Walker said. “It was almost as if the brain had been rewired, and connected to the fright, flight or fight area in the brain stem.”