Create knowledge
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(rate this)
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Shd RBI cut rates or should it keep it Unchanged?
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Esha Johar
| Answered
| 2 years ago
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I think the government should keep it untouched. Any upturn in the growth momentum is unlikely in view of the projected contraction in global demand during 2009. It will projected the wholesale price index based inflation at around 4 percent by...
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Alok Routray
| Answered
| 2 years ago
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RBI should keep all the rates unchanged becoz we will face a inflationary trend at current prices in a couple of months and it will continue to March 2010. Currently the growth rate of broad money (M3) is 20% yoy which is substantial enough to...
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Answer: "Shd RBI Cut Rates or Keep it Unchanged?" deleted from your view.
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(rate this)
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1
Create more certainity in the Environment
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Lack of reach and low commission
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Nikhil
| Supported idea
"Lack of Education & Awareness among people regarding Gen Insurance"
| 1 year ago
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General Insurance covers following 1) Motor 2) Property 3) Miscellaneous 4) Marine 5) Fire 6) Liability 7) Ommissions etc There are various othere insurances also which I cannto cover here but these are justa few which we need to educate the...
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Nikhil
| Supported idea
"Life Insurance Products are heavy on the GIC products"
| 1 year ago
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Pl first understand what is general insurance and life insurance , they are two different feild and cannot be compared with each other
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Alok Routray
| Supported idea
"Create more certainity in the Environment"
| 2 years ago
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Dear Mathew Its a great peace of infomation for me. I appreciate your efforts in taking toostep to the new heights of discussion.
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Ideate: "India ranks very low in General insurance business - How to improve it?" deleted from your view.
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(rate this)
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Yes
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19
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25
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No
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Mukul Bhartiya
| Argues in support of
"No"
| 2 years ago
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Absolutely not. Most of the companies have sales force in the front, which are not fit to be in sales at all. They understand only one thing that they have close a deal at any cost and in this process, they make lot of false commitment or hide...
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Alok Routray
| Argues in support of
| 2 years ago
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Pricing is an important criteria for firms revenue. It should be done taking into account a lot of factors like consumer budget line, consumer willingness to pay and the demand for the product. In a oligopoly market its difficult acoount for what i...
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Sanjib Chakraborty
| Argues in support of
"No"
| 3 years ago
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I dont think sales people should have the authority to decide prices as they are mostly ignorant about input and marketing costs.I also agree that they are unable to calculate ROI...the pricing startegy should be with the marketing team with...
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Debate: "Pricing decision and Sales people" deleted from your view.
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(rate this)
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Pricing products at costs maximizes the profits as shown below, Profit (∏)= Revenue(R) – Cost(C ) To maximize profit one differentiates with respect to Quantity (Q) and equate the above equation to 0. ie; (dR/dQ )– (dC/dQ) = 0= Marginal Revenue – Marginal cost. So when Marginal revenue is equal to Marginal cost Profit gets maximized. So products must be prized at cost. For example if Variable cost is V and fixed cost is F then product cost = V+F. If X is the total products sold Then X(V+F) is the revenue Then Contribution margin is = X(V-F) – total variable cost Break even point where one realizes the fixed cost or overhead = Contribution margin/ F which is the number of products that m...
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Alok Routray
| Commented
| 2 years ago
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Dear Mathew Please correct me if I am wrong Total Contibution margin = Total Revenue - Total Variable cost Unit Contribution margin = Unit Price(Unit Revenue) - Unit Variable Cost The equation revenue-variable cost/revenue is the ratio of...
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Alok Routray
| Commented
| 2 years ago
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All your equations are very perfect, but all these work under ideal conditions,i.e.,Ceteris Paribus, where everything is constant except price. Price alone cannot describe the marginal utility of a product which is directly proportional to profit. In...
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Insight: "How cost based pricing or Marginal pricing maximizes Profit" deleted from your view.
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(rate this)
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Pricing products at costs maximizes the profits as shown below, Profit (∏)= Revenue(R) – Cost(C ) To maximize profit one differentiates with respect to Quantity (Q) and equate the above equation to 0. ie; (dR/dQ )– (dC/dQ) = 0= Marginal Revenue – Marginal cost. So when Marginal revenue is equal to Marginal cost Profit gets maximized. So products must be prized at cost. For example if Variable cost is V and fixed cost is F then product cost = V+F. If X is the total products sold Then X(V+F) is the revenue Then Contribution margin is = X(V-F) – total variable cost Break even point where one realizes the fixed cost or overhead = Contribution margin/ F which is the number of products that m...
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Alok Routray
| Commented
| 2 years ago
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Dear Mathew Please correct me if I am wrong Total Contibution margin = Total Revenue - Total Variable cost Unit Contribution margin = Unit Price(Unit Revenue) - Unit Variable Cost The equation revenue-variable cost/revenue is the ratio of...
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Alok Routray
| Commented
| 2 years ago
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All your equations are very perfect, but all these work under ideal conditions,i.e.,Ceteris Paribus, where everything is constant except price. Price alone cannot describe the marginal utility of a product which is directly proportional to profit. In...
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Insight: "How cost based pricing or Marginal pricing maximizes Profit" deleted from your view.
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(rate this)
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Yes
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3
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0
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No
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Alok Routray
| Argues in support of
"Yes"
| 2 years ago
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GDP= Gross consumption+Investment+Government expenditure+Net Exports. This implies that investment in the social sector will uplift their standard of living. Improved standard of living will increase the pecapita consumption. Increase in...
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Padmanabhan R
| Argues in support of
"Yes"
| 2 years ago
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I don’t know much about this topic . Have heard that due to the multiplier effect a small change in government spending results in a bigger change in the GDP. Again it is the public who is funding the exchequer. I think a hike in social sector...
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Debate: "Will the UPA government spending in social sector pay off to increase GDP of the country" deleted from your view.
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(rate this)
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advantages
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9
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3
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disadvantages
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Amresh Prasad
| Argues in support of
"disadvantages"
| 2 years ago
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True, stock split doesn’t offer any additional "value" fundamentally, except a tad positive psychological impact that fosters a stronger interest amongst the investors, precisely because it then comes within the reach of retail investors. This...
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Alok Routray
| Argues in support of
| 2 years ago
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Stock splits increases the trading activity in market. It gives the buyer the advantage to buy a stock at much less price. Though there is no such basic theory that companies go for stock split but i would like to coin two reasons. 1.Splitting the...
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Jyoti Rath
| Argues in support of
"advantages"
| 2 years ago
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According to me there is nothing of an advantage or a disadvantage kind of thing in the stock splits, its just the comapany's way of playing psychological games with investor, when a stock price goes up around like 4000 or 5000, it will be out of...
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Debate: "Should companies go for stock split" deleted from your view.
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(rate this)
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1
I would do everything in the Budget to open Competition in all Sectors
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Investment in social sector.
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sanjay dey
| Added idea
"Build infrastructure"
| 2 months ago
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It is high time we care our capital assets. After the Golden Triangle of the BJP govt, now we need more investments in the agricultural area. We need more fertilizers, more warehouses and cold chambers to stack our produce.
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Alok Routray
| Added idea
| 2 years ago
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Percapita income in india doesnot reflect the real income of every indian. Its not a normal distribution. Its a mixed bag. When our country is viewed from a global perspective all these shortcomings come into picture. Indians do not have equal...
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Ideate: "Dream Budget For India" deleted from your view.
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(rate this)
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ULIP
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18
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24
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Mutual Funds
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sandeep
| Argues in support of
"Mutual Funds"
| 2 months ago
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Dear sir U need more to know about MF B`cos there are wide range of MF available.
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Alok Routray
| Argues in support of
| 2 years ago
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Mutual Funds have higher rate of return than ULIPS in a span of 4-5 years. The reason MF is compared to ULIP,i.e.,ULIP is an instrument that comes under sec 80C and its an investment option blended with insurance cover. At th outset, it can be...
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SURENDRA TEWARI
| Argues in support of
"Mutual Funds"
| 2 years ago
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There is ever ending comparison between ULIPs and Mutual Funds. The reason behind is that the ULIPs are mis-sold by agents and purchased by the insured, as Investments and not as Insurance but the ULIPs are getting protection in the name of...
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Debate: "ULIP and mutual funds" deleted from your view.
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(rate this)
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Yes
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8
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17
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No
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S. Muralidharan
| Argues in support of
"Yes"
| 2 years ago
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Tell me who is under recession. In a population of over 115 crores, only 17-18% of total Indians are talking about recession, as per world's dictum. We have forgotten that over 80% of Indians are under recession from the time India got liberated....
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Alok Routray
| Argues in support of
| 2 years ago
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India is in a recovery stage rather. Steps taken by The UPA government were phenomenal. First it made necessary changes in fiscal policy and increase government spending to boost consumption. The changes in moneytary policy changes done by RBI were...
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Apurv Gourav
| Argues in support of
"No"
| 2 years ago
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Hi.., India is not in Recession....In India there are slowdown. Recession in which any country or nations GDP growth will be in negative..But in india the growth rate is Positive it is around to be @7%. So we cant say india is in Recession.Its in...
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Debate: "Is India heading towards recession?" deleted from your view.
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