Merry Christmas and Happy New Year(2005)

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Hi Touchpoints,


Significance of Christmas Tree:
Tree has three basic components - Roots, Fruits and Leaves, Branches. Roots are nothing but, Year long toiling days of each year. Feeding this roots are our actions, thoughts and believes. Fruits are the sorrows and happiness blossming out of branches growing in upward direction. Branches are the deroots taken by us due to each happiness and sorrow. Leaves and branches are surviving the cold weather and gifts at the root are nothing but, significance of celebrating such valuable human life.

Time is important as sometimes decides the fate of braves and braves are the ones who surf the bad times to reach to the fruits.

Wish you all Happy Christmas and Happy new Year (2005).

Year 2004 has seen lot of ups and downs on personal front as well as in economy.

1. Few of fiscal changes like Interest rate going UP creating cyclic effect of hiking the price of few of the commodities and elite items (Cars and House). Worst to happen is hike in Basic Primary and Secondary education expanses creating a education divide of magnitude 100 times more than Digital divide in India.
2. Merger and Acquition getting heat in Thiland, China as well as local market in India. BOI and UBI is good marriage but best is IDBI and IDBI bank. UTI and UTI Bank is as usual debatable. IDBI turn around is the best thing to happen as ICICI and HDFC need to watch out for the move. Post merger IDBI has lowest NPA and thus going to get better CRISIL and Fiche ratings.
3. Banks have started following BAncAssurance model and progressing well. Few will capitalise and we need to watch TATA AIG and BIRLA closly. Reliance moving ahead but, fingers are crossed tightly after the recent turmoil between the brothers.
4. Last to regreat is bank's continue to follow the trap of Retail Focus to attract low cost deposit rather than concentrating on strong Corporate and Tresurery operations. Let us watch closly the banks.
5. Real strategy and winners are the one who make the elephant dance with Stick from Investors (Returns). It is act of balancing to walk on Tight Rope with traps of Retail and corporate on both the sides of stick.
6. Retail space started well with Many shopping malls mushrooming, airlines industry openings and ever green Telecom network expanding.
   

I have responsibilities as moderator of the Group to update all of TOUCHPOINT members on recent developments of the group.

• TOUCHPOINT was started as Blog in August 2004 http://365-24-7.blogspot.com.
• TOUCHPOINT Blog was instant success as it got registered on BLOGLET and Blog Street in Novemeber 2004.
• TOUCHPOINT blog started with just 10 members and now grown to 190 active users receiving mail notifications on BLog Posting.
• TOUCHPOINT blog was recently reached 500 as monthly counter with visitors across the globe visiting it.
• TOUCHPOINT BLOG is being ranked as 152 on BLOGLET from 495th Rank two months ago.

Hope you will enjoy and continue to contribute your personal experience with technology and business aspect on TOUCHPOINT.

Cheers
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