RAMKY INFRASTRUCTURE LTD -UPDATE

Ramky infrastructure is one of my biggest failures , suggested @ Rs.280  came down to Rs. 23 and currently trading around Rs.97.For the past many years company’s performance severely affected in tandem with overall performance of the industry. It is clear from recent balance sheet that company taking sincere efforts to reduce debt and came back to business. In a  positive development, today company informed its decision to allot 1.2 Cr warrants ( to be converted into shares) at a price of Rs.101. Along with  promoters, Aadi financial advisors LLP ( an entity related with well known Bhanshali family) participating in this preferential allotment. I strongly believe, company now at an inflection point and those invested earlier will not regret and hope their patience will pay in the years to come.

Link to today’s Announcement HERE
Disc: Holding shares , hence my views may be biased

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Antonio Horta-Osorio on Brexit issues

Antonio Horta-Osorio is the CEO of one of the biggest retail bank in the United Kingdom. Many are the times when the CEO has been on the headline speaking about various issues about the bank in the year. The government sold its shares sometimes back from the bank. That affected the bank financially and entered into crisis. The CEO thought to get a boost from the government a move which saw the government own up to forty-three percent of the bank. The bank now is moving in the right direction and making profits. Antonio has been leading this retail bank since 2011. His Joining the bank has been a big boost as it is now making profits once again. That is not to say that they are enjoying challenge free zone as the government bailout is viewed as a huge commitment. To enable to the bank to make some recovery moves, it has to shut down some branches and stop a number of its employees. That was a radical move, but it has brought some improvements as the institution now is saying to be making profits.

The effect of Bretix continues to haunt the British economy. One of the major strategies the banker is looking forward to is to increase the customer relationship with the bank. In that line what the CEO is focusing on is to propel the bank in developing a multichannel experience with the customers. This is what the CEO believes in connection with Brexit and banking. One thing that Antonio finds is that EU is not about to disintegrate anytime soon. It is politically founded to ensure there is peace in Europe. He also believes there is too much at stake for the union and it should just hold together What is important is the union members’ economy to suffer some structural reorganization. The UK economy has amazingly portrayed some stability even after Brexit The customers went ahead with their usual business as though nothing has happened and thus upheld the entire economy.

The way the economy is growing it is giving a bit of confidence. At the same time various companies will depend on the comforting legal and regulatory framework for their operations. The UK economy will have to think on the best way to address the skill shortage that is experienced across the entire economy. Other than that there is need to address the productivity issues as well as the importance of economic growth across the country. The CEO believes that to put the economy back, some effort is needed. Antonio says that he is happy with what he is doing in the banking sector and that where he would like to serve. All that is important is to focus on areas of growth. He thinks that the bank needs to build customer trust.

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The importance of choosing a professional Financial Advisor

When hiring a financial provider for your business, you need to be very cautious. You should always be wise when you are needed to come up with conclusions about your finance. If you are thinking of hiring an advisor, then you need to have in mind that he/she should work with you for not less than five years. Instead, that financial advisor you settle with will be at your service for many more decades to come. Thus, you need to spend more time researching about the best advisor and not just hiring someone who you locate at the yellow pages. The following guides should be enough for you to land with an advisor who suits your job.

Just like hiring the surgeons and other professionals, you need to look at the certificates the advisors hold. There is no other sturdy evidence that you can rely on to prove that you have hired a professional if not by viewing the certificates that the professionals attained after school. Also, it is important to check whether the professional has a license cover. If you want to be sure that you are receiving legal services, look at the license of the professionals. In that case, you would be able to put your trust on a registered person since you are sure that he/she cannot make a mistake and get away with it.

The experience of the advisor in the planning industry is another thing you need to consider. When you are receiving services from a provider who has had an experience of offering the services is very important. Also, you do not wish to hire someone who has just had his/her graduation because he/she does not have the skills required in this field. You need to see the records of the families or business persons that the professionals have been advising. Also, you need to be sure that the business went on good after having the advisory services.

Since there are so many benefits you gain from hiring an advisor, you should not stress yourself. The experts will not have to use force to attain the best deals because they are trained. By hiring the advisor, you will be certain that you have received the best of the advice for your business. There is a reason why these professionals exist and why the need to be hired. You would later thank the professional advisor after seeing the fruits they bring to your business. Again, they will save you the money you would spend trying to make some things work, but they fail in the process.

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Various Ways of Choosing a Financial Advisor

A financial advisor is a skilled personnel who gives right advice on the matter pertaining the financial services as well as rendering facilities depending on the various needs of the people. Licenses and related skills should be observed for an individual to carry out monetary advice to the customers. Through the utilization of the licenses and the skills, advisor are in a position to give the right finance and products required by the clients. Before hiring a financial advisor, the client should have a well-compiled list of the most peculiar thing that one needs to be assisted. Below are the various means that one can use to get the best financial advisor.

One should decide the type of the consultant wanted. The following are the various types of the financial advisor that an individual should choose from: money manager, financial advisors, financial planners and registered representatives. From the four types of the financial advisor, one should have a precise knowledge of the most appropriate persona to give the best result at the end.

Also, the client should be objective when choosing the financial advisor. Ensure that the person to be chosen has got all the qualities required to give the productive outcome. Consider the expertise with retirement plans that will benefit one during the day of retire. Good retirement benefit will be a source of better living the concerned party.

One should consider holding numerous talks to the different advisor to get the best out of them. Through making of various comparisons, it is therefore easy to choose the best-skilled person to be the qualified financial advisor.

However, one can decide to source the qualification of the advisor from the website. A lot of information is displayed on the website that can be used to range various financial advisor. Through the use of the many website blogs, there is the possibility of hiring the best personnel for the business.

One can take the initiative of requesting for the formal meeting with the various financial advisors. This will facilitate different discussion regarding how one can carry on the task given the opportunity. conclusion should, therefore, be made after the end of the interview session and choose the best financial advisor.

One can also have the various items that can be referred in case of clarification of the data. This can also be sourced from the various individual who ever had the same demand in the past. One can also ask about the length of the relationship while performing the duties. It is thus important to have all the relevant information before choosing the advisor.

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How To Select A Good Financial Advisor

Presently, the investment markets are challenging and as an investor you are required to make smart financial decisions. For investors, they need to have a well-designed plan, access to finance and investment products that will be used to implement the plan. Management of one’s emotions also play a role in the success of an investment. An investor can seek the services of an expert who can provide advice on the management of their finances. Making financial decisions is not easy and the guidance of an expert can significantly assist either you or your family. The mode of clients having a financial advisor has been around for a long time. A financial advisor not only provides their services to individuals but also businesses and governments.

Financial services provided by an expert are such as pension planning, estate planning, retirement, insurance sales, asset allocation and portfolio evaluation. Financial obligations and goals set by an investor can be achieved by hiring a financial advisor. When you disclose about the possessions that you have then the financial professional will tell you what to do. The legal framework is structured in such a way that the professionals in the financial industry act for the good interest of their customers at all times. The kinds of investment amenities that are provided are based around aspects such as financial history, risk tolerance and the income requirements. You have to more information about what you are about to invest in so that you can make a concrete decision.

Within the different groups of financial advisors, you will find that they also vary according to area of focus, different compensation methods and also education backgrounds. Besides financial advice that is offered by an expert, they can also provide other services like estate and tax planning. A financial advisor must also be a certified individual. A good advisor should be a good listener and provide you with advice according to what you have explained to them. You can end up forgetting some key clarifications, and that is where a good financial advisor comes in. The professional can also take time to ask questions concerning your situation so that they can understand your requirements.

The main focus of your conversation with the financial advisor must be how your achievements will be met. The fee-only advisors have fewer conflicts, and that is why you should select the experts that are comfortable with that kind of payment. When you have selected an advisor, make sure that communication is constant so that any changes that are made, he or she is aware of them. Do not be afraid to ask for help often from the financial advisor and that is why you must have an open relationship.

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Common Mistakes With Branding

In the current times that we are living, it is important to have a beautiful brand that will be remembered in the market. Nevertheless achieving this can be easier to say that to do it. Do you have a brand that has stayed in the market and have not made any impression, follow me as we discuss some of the mistakes that many of us make.

Wrong use of police branding.

You need to continually police brand for to achieve brand recognition. You should be very keen on where you are using some of the elements of your brand. Failure to do this can make you have a brand with your logo but with the wrong colors, or your competitors coming up with a logo that looks like yours as well as some reviews that are not linking back to your website. Have a look at the pay check stub template options that are available online and see whether you can get one that matches your brand image.

Forgetting the small details.
Many business owners make a mistake of considering the likes of their printed marketing materials, that is the leaflets and the brochures when it comes to branding. However, your brand needs to be considered with any activity you partake in online and each and every document you use.

Finding yourself in a trap of inauthentic branding.
Many companies have been using marketing language that is monotonous as well as using logos that are so fake to be recognized by people. You will never stand out in a stiff competition if you do this. You need to use images that are clear, logos that are real and use a language that is essential to give your brand recognition. You will keep people off your brand if you continue using bad marketing language with messages that add no value.

Failure to establish guidelines for the brand.
It is important for you as business owner to create brand guidelines that cover the use of your brand in the right way. Some of those guidelines are supposed to tackle topics such as imagery, the tone of the voice used in your materials that are branded, the size of the fonts, typography, taglines, colors used, your logo, mascots and your spokes people.

Not including the customers that you already have in your branding.

It is important that you talk to your customers and hear from them before you do your branding. Your customers are your main target and therefore hearing their views will be of great help to you and your branding. If the opinion you get from your existing customers will help you in achieving your branding goal, make sure you include it on your brochures and your website.

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How To Apply the Valuable Ideas to Increase Your Personal Credit Score

Several keys are there for you to apply to be able to have an open door for your score increase. Therefore it is wise if you take the right action to ensure the addition points to your total scores. Two major aspects need your attention to be able to have better credit scores. First and the foremost, start the activities that will make good reports to the bureaus and earns you points.

The other aspect is the correction of the damages upon your report.Therefore, you will be required to do away with the expired and old accounts that have brought the negative rating.Either this second aspect can be done by your own technique or hiring an agency professional repairer to delete the entries which are negative for you.

Therefore, it is advisable to consider the lowest debts ratio to be able to succeed.This means that your expenditures should be kept on your card preferably at a minimal level. By keeping the right limit, your points will move forward without deduction. No creditor or bureaus service will let you know about the matter. The rule you need to follow when keeping your limit should not exceed 35 percent. However, when you follow the instructions, your score will increase gradually.

When you notice a better history from your spouse or partner card spending, it will wise for you to string yourself there.The good activities found on the card will add good report to your file to ensure you win. When your spouse agree to register you as the owner of the card, more scores will be attained to you.

The existing loan should be done met as instructed to avoid the reduction of some points.This will be in the case of the student loans, utility bills or any other loans require you to pay in a timely manner.Additionally, when a certain amount is added to the collection, the progress of rebuilding your credit will be reversed.

Thus when you perfect your credit score, better chances of business success will be realized. However, by ensuring your finances are constant, you will have opportunity of having credits and loans to facilitate your business expenses. To be successful in your business, ensure to take more time and much effort when raising the credit scores.

It will be advantageous if you consider to study some strategies to help you have an alternative of your credit repairs if the experts are not available.

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Advantages of Taking an Online Engineering Course.

Technology and innovation are two factors that have shaped the world for the better. Unlike in the past where technology was redundant, people can now have a sigh of relief, enjoying every single benefit that comes with innovation. In recent years, technology has penetrated into education systems making the lives of students and lecturers much simpler. Because of advanced technology in the computer world, engineering students can now take different engineering courses through the internet.

When you compare and contrast between the many different forms of learning; you find digital schooling to be more superior. First and foremost, taking an engineering course via the internet happens to favor your pockets much more. Since there is no need for you to travel to a learning station on any day of the yearly calendar, you happen to make more savings than you would if you ever decided to take classes in a physical location. Online education is simple in the sense that it only requires you to get hold of a computer, electricity, and a reliable internet connection to start working.

With online engineering courses comes a lot of convenience. With online learning, you never get exposed to strenuous traffic jams that come about due to road user negligence as well as accidents. However, with an online engineering course, you can learn from the comfort of your living room, in a cafeteria, or even a hotel room.
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Taking an online engineering course happens to favor you a lot more. When it comes to online engineering courses, you get allowed to participate in lectures at a time of your choice. By going through a series of video conferences and tutorials, you become eligible for testing in real time.
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When it comes to the conventional classes where it is a requirement for you to attend lectures physically, subject instructors always find themselves favoring a group of students. Online learning helps eliminate cases of teacher-student biases. To this end, you get graded based on your performance as opposed to mutual ties. Besides, an online engineering course comes in handy when you happen to be running a day job. For this reason, you have enough time to maneuver through work, family, and studies, sparing time for each in equal measure.

As a professional engineer, online learning comes in handy especially when you want to get promoted. By pursuing a digital engineering course, you give yourself the opportunity of trying and testing the newly found knowledge in the workplace thus enabling you to serve clients better than before. Above all, the extra knowledge you gain from an online course helps make you more competent thus able to ask for a pay rise. Because of the knowledge gained from your online engineering course, you reach a point in life when all you colleagues praise you due to the kind of productivity you bring to the workplace. Therefore, taking an online design course happens to be a sound decision.

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Why You Need to Study Engineering Courses Online

If you are thinking of improving the knowledge that you have as regards engineering, one of the most effective ways be will be enrolling yourself in online engineering courses. There are a number of benefits that you are sure to get when you choose to enroll in engineering courses online even if you are just a college student or even if you are now a professional engineer. Engineers who are experts in electronics know that this is something that is inevitable in their line of education and even to other people who would want to learn more about what they can do.

There are a number benefits that you can get when you enroll in online engineering courses, and one of which will be learning from a distance. The first thing that you have to keep in mind when you take online engineering courses is that you can just learn the lessons about engineering while being at your own home. This is what makes online engineering courses great because you can just get engineering lessons at any time of the day and at any place that you want as long as you have a computer and a stable internet connection. Besides their being convenient, you are only given the ultimate education when it comes to engineering courses and so you are confident that you are learning what is expected in collegiate engineering courses.

Reasons why you are getting the most of your education when you choose to do it online
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For instance, though you are enrolled in an engineering course while in college, there are certain aspects of the topic that you want to learn from your school that they just do not provide you such as mining engineering. With online engineering courses, now you have the chance to enroll yourself in well known mining engineering programs that your school does not seem to offer. This basically means that the number of hours or units that you have spent learning about the topic online will also be included in the units that are being covered in the engineering course that you have taken in your own school.
The Ultimate Guide to Engineers

Another example would be when you have already worked upon a computer engineering project but then you would want to expand your knowledge about the matter. When you get engineering courses online, you can now learn a whole lot more about MIT and computer engineering and what you can do to have both incorporated into one. These online courses may even pave the way for you to get some connections with the computer engineers who have been responsible in turning into reality the computer engineering project that you plan on incorporating to your own project.

Hence, no matter your reasons for getting online engineering courses, do make sure to consider getting one.

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Tips About Engineering Education And Careers.

There are very many students today who are choosing to study in the fields of applied sciences. The perception has also changed whereby these fields where viewed as being suitable for men only. There are very many women now enrolled in these programs.

One of the questions one can ask is why there is so much interest in these particular field. The fact that the world is evolving every day could be one of the reasons to explain this. Whether in commerce or any other industry, these changes can be dealt with by a practical application of science.

This practical application of science in the commerce or industries is what engineering is all about. Technology is now basically used in many small and large businesses all over the world . This therefore makes it important to have professionals able to deal with these advancements in technology.
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many schools have various paths of engineering that one can follow. Some of these career paths include, biomedical, Civil and electrical engineering.
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Engineering in the biomedical career path involves dealing with various fields. Examples of these fields include-rays, pharmaceuticals, computer imaging and sonographer.

Biology, medicine and engineering are combined together in this field. This is very helpful as they design technology for research and development in the medical field.

Engineering also involve another area of building and construction. This is the area known as civil engineering. One can either work independently as be employed by the government.

A civil engineer can oversee the construction of new buildings, sewage systems, walls , roads etc. They have a very important role to play in the approval of any new construction.

The other branch of engineering has to do with electricity. In this area of study, they look at the generation, distribution and use of power. With a degree in electrical engineering, one is able to build a robot, wire buildings and also make simple electrical systems. The field of electrical engineering has the biggest number of people.

Working as an engineer in whichever filed whether medicine, civil or electrical is very lucrative. Anyone studying in any of these fields should not worry about work as they can work privately or being absorbed by the government. They can also find comfort in the fact that due to advancements in technology, all their skills will still remain relevant.

However there are some basic requirements for one to get in to these courses. For civil engineering for example needs to have a good grade in mathematics and physics And good in drawing. Before engaging one needs to know the requirements for each field. It is important to know requirements for each field