India and the Internet:Innovative Web Sites

1) www.VCcircle.com A website for Venture Capitalists and Entrepreneurs and Mergers and acquisitions news in India

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2) www.JohnTP.com A website for making money from Blogs. Very Popular as John culls the best of the rest ,and adds his own code tricks especially for WordPress.The number 1 site of this kind in India

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3) www.labnol.blogspot.com An extremely popular website for Web Related news and Articles . Useful tips and tricks too  for creating websites not just blogs. One of the pioneers since 2004 in India.

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4) www.pothi.com India’s first self publishing Website for authors. I published 2 poetry books on it. At 100 $ per book for everything including designer cover,formatting help,design and layout it’s a steal. Starts from as low as 10 $ for custom services.

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5) www.lootstreet.com India’s first negotiation algorithm based platform for buying stuff. Different from auction model of ebay, its more like a reverse auction done electronically.

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6) www.workosaur.com A web startup by an IIM batchmate- Its India’s first website for jobs above Rs 1 Million (or USD 22000 per Year) .Includes international placements as expatriates from abroad are in demand for India’s booming economy.

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Note  – All screenshots belong to respective owners.

Sites chosen on basis of innovation in existing site types in India.

Political Marketing 2.0

 

 

 

 

A web based survey by Barack Obama ( for all ) at

http://my.barackobama.com/page/m2/55c13728/506c3428/70f6dad0/1188aaad/4050072710/VEsE/
or

http://my.barackobama.com/page/content/surveyactioncenter/

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Note this is just a technical admiration of the website with zero political endorsement.

American Tie

Bye Bye American Tie,

Drove your balance sheet to the ground ,while aiming high

And good old boys were taking risky bets, why

Saying this will be the day I will fly

This will be the day I fly

 

https://i0.wp.com/upload.wikimedia.org/wikipedia/en/8/8b/Lehman_Brothers.jpg
http://upload.wikimedia.org/wikipedia/en/8/8b/Lehman_Brothers.jpg

 

 

It happened in a land far away,

American suits and ties went to play,

With exotic mortgages and collateral held sway.

The jesters they were, they passed securities

Bought and Sold ,each one in piece.

There was nobody to stop the band,

And music played ,and the players danced.

Then I got the news the day the music died.

I started singing –

 

Bye Bye American Tie,

Drove your balance sheet to the ground ,while aiming high

And good old boys were taking risky bets, why

Saying this will be the day I will fly

This will be the day I fly

 

My hands were clenched in fists of rage,

Bad news from front to last page,

I was going to lose my mortgage,

And no one could tell me why.

The day the music died.

Sub Prime Crisis: A Risk Analyst view from the Trenches

Pricing of Future Securities and Derivatives Based on Mortgage Assets are all about projecting delinquency rates , and it depends on the analysts to be either conservative in projecting a high rate or optimistic in a low rate.

Based on these projections , the assets are priced, packed up in SPV’s or collateralized, and options priced. Now Senior Management gets a big bonus if they sell off their balance sheet like this, and business is able to use cash generated to create higher loans….. so they lean on the analyst to Continue reading “Sub Prime Crisis: A Risk Analyst view from the Trenches”

Tip:Tracking Companies

You can create Google Alerts at http://www.google.com/alerts/

with certain keywords to track certain keywords (like for

1) advertising campaigns (also use Google Trends)

2) tracking companies

3) domains (like Tyres in Poland)

Use Gmail older rules or MS outlook rules to direct the emails to certain folders to avoid flooding your inbox.

BANKING 2.0|India and the Internet

Well for customers who are India bound, and are shopping for loans face an acute shortage of options. Most online banks claim to be award winning in terms of design. Unfortunately, most of them act as lead generators and nothing more. I have worked with one of them myself. Even third party loan comparers end up NOT making a commitment on the final loan and amount, because of 

1) lack of credit assurance in India due to established credit ratings for individuals.

CIBIL is considered too young (< 5 years) and is the only credit rating agency.

2) lack of exposure to latest tools available globally online. 

As the saying goes, Why risk being innovative , if you are already having respectable market share, and are meeting your annual banking bonus in India’s financial services sector – booming (till 2007) and now rapidly growing (despite the central bank’s rate raises).

Indian customers remain the most under leveraged in the world, have very low delienquency rates, have Continue reading “BANKING 2.0|India and the Internet”