The financial lens

We often hear that millennials aren’t prudent investors or focused on savings , but the COVID-19 outbreak has left many of them worried about their financial situations, both in the short or long term. Our generation is  focused  on living our dreams with little or no future planning. The percentage of our income that’s saved every month has become lower and led us to face some financial challenges, especially now during this pandemic.   The stock market is an avenue where investors trade in shares, bonds, and derivatives. This trading is facilitated by stock exchanges, which can be thought of as markets that connect buyers and sellers. The key to making money in the stock market is to learn how to properly value a company and its share price in the context of the Indian economy and the firm’s operating sector.     Investing is a way to set aside money while you are busy with life and have that money work for you so that you can fully reap the reward...

Sometimes people invest their money in quite risky securities as they are influenced by the greed of high returns. But, in most of the cases they end up losing instead of gaining. Probably something similar is happening with investors who park their money with debt funds. Franklin Templeton India has wound up 6 of its debt funds and the amount at stake is close to 26000 crores! Uggh what is all these funds,bonds,debt mutual funds etc So much complex to understand right? Let's break everything up!!! The Mutual Fund industry operates on a simple premise. They will tell you regular investors have little know-how about the complexities inherent in stock markets. They’ll convince you that you’ll always be at a disadvantage since you don’t have access to information that could help you optimise your choices. A better approach is to simply let them manage it for you. They’ll take your money, divert it to a common pool — with funds mobilized from other investors like you and they’l...

2020 is full of surprises... I mean Wtf is wrong with the crude oil prices now it costs lower than a water bottle 🤣. And what the hell does negative future contract of crude mean does it mean that by taking their crude oil they gonna give us the money back (LMAO😂🤣). Crude oil Price from WTI and Mars USA fall to negative which leads to lots of twitter jokes like We can get paid for buying Petrol and Diesel . Why are Crude Oil Prices falling ? Well no chocolates of guessing it. One word INELASTICITY .Yes due to Corona virus lock down half of world is under strict lock down, consumption of petrol and diesel has fallen sharply with fewer vehicles on the roads, fewer tractors on farmlands , fewer diesel locomotives chugging along and diesel generators sets operating in different Industries .Taking the example of India the oil Consumption decreases 32% in March due to Corona virus Lock down . The basics of pricing in economics dictate that prices reach equilibrium where demand equ...

What started the Sub-Prime Crisis?Banks lent money to those who could hardly afford to service the loan. What a JOKE 😂 It's the early 2000's and investors are looking for new safe sources of return stocks and bonds are still pretty popular but the tech bubble at the turn of the century showed them that getting your money back from bankrupt firms can be a bit difficult but and also the interest rates during early 2000's were as low as 1%. So the question for an investor is where to invest? In 2001 US government was motivating the home buyers to buy houses at the same time real estate prices were on the rise. In the early-to-mid 2000s, interest rates on house payments were actually quite low so it created a room for homebuyers and investors for putting their money. The Subprime mortgage crisis occurred when the real estate market collapsed and homeowners defaulted on their loans. What does Subprime mortgage mean then? Subprime mortgages are named for the borrowers that...

Girls you are Projected trajectory of coronavirus spread cause your curves are anything but flat(Lmao). Jokes apart. This virus which is billion times smaller than a human being has forced a billion of humans locked up in fear leading to lockdown of the whole country of fuckin 1.3 billion people and has bought world to its knees. We are currently witnessing that people are panicking in the entire world from Coronavirus. This same panic has caused the Indian market crash! This can be made out from the fact that market started falling drastically when the first case of Coronavirus was reported in India. We also cannot ignore the fact that Coronavirus has affected industries across the globe and as a result it has adversely affected the global economy. More than half of the global population doesn’t know how to swim though it is a life skill, according to a report. That’s a problem but there’s more to it. It has been scientifically proven that more than the deep waters, it’s th...

You gotta start buying something when Coronavirus sells off.  😂👻🗣 Coronavirus are a family of viruses known for containing strains that cause potentially deadly diseases in mammals and birds. In humans they're typically spread via airborne droplets of fluid produced by infected individuals . China is suffering both ways as in case of demand as well as supply. The demand has gone down drastically most of the materials whereas the supply has been terribly restricted because the companies have ceased to function. Since India is a prominent trade partner of China, it was evident that India would suffer the effect too and that’s what has happened. The coming days will see some stress if factory closures continue in China. Wuhan, the epicentre of the crisis, is home to some of the world’s largest computer factories. Hubei province, whose capital is Wuhan, is home to some of the world’s largest auto component makers. China is the world’s factory — it makes around 90% of the wo...

There was a dire need to address the economic concerns of India and there is something for everyone in this budget. India is one of the world’s fastest-growing economy and this budget in 2020 is aimed at pumping more business and investments in the country. It is said that size matters, but the longest speech in budget history did not guarantee Nirmala Sitharaman success. Her second budget had no big fiscal stimulus, several protectionist duties, and few convincing steps to revive a slowing economy. Disappointed investors sent the Sensex crashing 1000 points. The tax on cigarettes has been raised yet again, but not the tax on beedis. Tobacco kills, whether in cigarettes or beedis. True, the beedi industry employs many people, but if you must employ some people to kill others, maybe better ways can be found.However, the Sitharaman approach of depending more on non-tax revenue than borrowing to finance capex is a positive move. It will help cut market interest rates. The divide...