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Honest Information, Profitable Trading

Durudarshan - Investment Analysis

My Blog

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Hello Putian, Beijing, China....

Posted on October 23, 2013 at 3:29 PM Comments comments (9)
Recently I've had a lot of visitors to my blog and website from Putian as well as Beijing. 
 
I note the Indian Premier Dr Manmohan Singh has been to visit Beijing soon after his trip to Moscow, and
things are looking good for co-operation on peacefully observing each other's shared borders as well as increase in friendly relations and trade.
 
My personal hope is to become nominated by the Congress Party of India (UPA) as the Prime Ministerial candidate for May 2014.  Should my wish be fulfilled with approval of Rahul and Mrs Sonia Gandhi, I would be thrilled and would go to India straight away to start campaigning in earnest. 
 
I have a vision for India as a good neighbour to China, Russia, Pakistan, Nepal, Bangladesh, Afghanistan and the whole region, as well as to unlock the huge potential that there obviously is for growth of infrastructure such as roads, bridges, dams, power generation, further irrigation, as well as housing, hospitals, schools, universities, and so on, which would utilise the resources and cater to the public, as well as use the skills and expertise internationally in building up this great nation.  I have lived in London the last 41 years, and see the n-th degree developments of this nation (United Kingdom) as something India could well try to aim for.  I imagine that with India's resources both of the peoples' savings and growing expectations of improvements in living standards, it would fit hand-in-glove. 
 
It is regrettable that there have been skirmishes on the international border with Pakistan, especially just after Dr Manmohan Singh-ji had constructive talks with Pakistan PM Nawaz Sharif in New York recently. Mr Nawaz Sharif  has a great reputation as a man of his people and a positive personality, who would only wish the best for his people and continuation of peaceful co-existence with India.  The Indian PM has offered bilateral talks on this issue to find a resolution, and I sincerely hope common-sense and peace prevails once again.
 
I hope my readers will be able to make an accurate picture of what I would like to do, and I would welcome your comments on this matter.
 
In the meantime, I wish you a peaceful and happy evening.
 
Kind regards,
Duru-darshan.
 
 
 
 
 
 

Interest only mortgages, what's the fuss?

Posted on May 2, 2013 at 6:40 PM Comments comments (4)
I don't see what the real fuss is about regarding the Interest-only mortgages.  
 
At one time, people used to buy interest-only mortgages side by side with an Endowment policy, that would hopefully build up and mature into the principal sum owed on the mortgage.
 
Then, people did a smartness.  They cancelled the endowment policies.  That meant their monthly outgoing was lower than on a Repayment mortgage, and they had relative security of a roof over their head which was cheaper than renting.  And that is the light an Interest-only mortgage should be looked at.
 
Often, it is cheaper than renting, and if there is a surplus over the price paid to buying price of the house, that's the icing on the cake.  If not, at least it is a secure roof for as long as you continue to work hard and pay for it, meaning it is cheaper than renting and you are your own landlord.
 
So if it is cheaper than renting and you have pride of ownership, then at the end of the mortgage term if the house doesn't belong to you should not be such an awkward question.  That's the reality of it.
 
However, if property prices improve (and they probably will in England over the next four year I believe, going by previous house-price cycles) then there may to nothing to worry about.
 
The U.K. economy will recover and strengthen in the coming months and years, as growth continues in the U.S. and China, not to mention huge growth in Africa (where they regularly discover some hidden Oil resources, potential for building towns and railways, etc, etc) and an improved outlook for India, in my opinion, where the current UPA Congress government has published figures which show a steady improvement in standards of living, declining mortality rates, better nourishment for people, it is such a promising picture....If the Oil price is cheaper, all economies will grow and prosper, including the oil exporters, who will have sufficient income to sustain their infrastructure growth and prosperity of their people. 
 
Look forward to the future with optimism;  the ECB rate cut today to half percent should give added impetus to growth in the Euroland, to complete the global picture.
 
Kind regards,
Duru-darshan.
 
 
 
 

American Jobs figures seem good

Posted on August 1, 2012 at 2:10 PM Comments comments (1)
The recently released ADP figure of private sector job creation in the U.S. at 167,000 for June seems good news, after the somewhat dismal figures for May.  The lower Oil price is doing its trick, and restoring confidence and productivity into the economy.  Just imagine if such a scenario was maintained for the next six months or so.  In this regard, as long as the diplomatic stance is maintained with regards to Iran, hopefully the Oil price can too be maintained, and that I believe will help Recovery stay on track.
 
Federal Bank Chief Ben Bernanke has reiterated that the interest rates will remain low till 2014, and a stimulus would be introduced if warranted. 
 
Now that the Case-Schiller Index seems to be suggesting an improvement in the U.S. housing market, it seems to me that everything augers well for America. This can only give added courage to other economies, that the world trade and political atmosphere will continue to improve.  For this, I pray.
 
Kind regards,
Duru-darshan.
 
 
 

Thanks to Referring Traffic last seven days

Posted on July 29, 2012 at 1:22 PM Comments comments (6)
My website and blogs prove to be popular.  From inception in May/June 2011 to date, attracting 77,513 visitors with 88,522 page views, with at least 2,060 unique geographical locations, top ranking being Pacific Pallisades.
 
For posting my links and signposting the way over the last 7 days, my thanks to :
 
  -   Stumbleupon.com  -  tops, 26th week running!  Many thanks.
   -   News.google,  google.com,  google.co.uk.,  google.com.in,  google.com.id
   -   api.twitter.com
   -   Myspace
  
Thanks to these and other Search Engines.
 
A special mention of     beadsbraceletsonline.webeden.net 
As summer is here, I hope you get a lot of visitors to your website, especially the wholesalers.
 
Kind regards,
Duru-darshan.
 
Durudarshan - Investment Analyst
 
 
 
 

Olympics, A-politics, and Interest Rates...

Posted on July 27, 2012 at 8:34 AM Comments comments (2)
My blogs over the last 7 days, which are even more popular each week I'm glad to note, have been as follows :-
 
  -  The Golden Flame from Above
  -  Welcome to the Guest Book
  -  Good times ahead for India
  -  Things should only get better for Greece and Spain
  -  London welcomes a million visitors to the Olympics
  -  Hazaar Salaams and a 21 gun salute for President Pranab Mukherjee
  -  Good investment for English High Streets
  -  Amitabh Bachchan to run with the Golden Flame
  -  Who shoud cut the interest rate?
 
My blog is read across Google, Google+, News.Google, Myspace, Stumbleupon, Twitter, Delicious and Facebook and my own website www.durudarshan.co.uk/blog.  As always,
I am happy to hear your comments and suggestions.
 
Kind regards,
Duru-darshan.
 
 

Good times ahead for India

Posted on July 23, 2012 at 8:04 AM Comments comments (0)
After the encouraging Manufacturing Index figures in the past month, and a sharp reduction in white goods inventories (minus 7.7 percent), India seems to be getting back on track to resuming growth.  The one great expectation is that the Reserve Bank Chairman will do the needful by cutting the repo rate.  Anything between 50 basis points and 150 basis points is expected, depending on the courage the circumstances give him.  If the in-feed is reduced, the out-feed will also be better.  If interest rate is cut, cost to the industries will be less and consequently pressure will come off, easing the way for growth.
 
The other piece of good news from India is that Dr. Pranab Mukherjee has been selected (by a majority of 65 percent) to become the 13th President of the Indian Republic.  He will be sworn in on 25th July, and his supporters and well-wishers, including Kashmir and Bengal and Karnataka and A.P., will have cause to celebrate.  The modest and mellow Dr Mukherjee is a man of vision and courage, having held portfolios such as Finance Minister with great success, and Pranab-da is conifdently expected to help bring growth to West Bengal, Meghalya and Orissa, as well as the above-mentioned regions, as well as else-where where the scope for growth exists but the co-ordination and implementation was not fully there. 
 
In most regions, the scope and need for additional power-generation does exist.  Whether the solution is geothermal, solar, hydroelectric or whatever needs to be decided upon, together with supporting infrastructure in the building of sewers and canals, modern urban as well as rural cities, housing, schools, hospitals, universities, and so on.  A huge demand does exist, and meeting those demands will help raise the peoples' standards of living as well as deliver additional avenues of work and leisure to more and more people. 
 
Cometh and hour, cometh the man, and President Pranab Mukherjee will serve the people of India well.
 
Kind regards,
Duru-darshan.
 
 

My blogs over the last 7 days

Posted on July 17, 2012 at 3:41 AM Comments comments (5)
I am glad to note that my website is receiving more and more visitors, and my blog being read by a growing number of people.  Over the last seven days, these were my blogs, you may wish to read them also :-
 
  -  Drink a pinta milk a day
  -  "He is Divine, he does not lie"
  -  Not inevitable
  -  What are they planning in Sun Valley, I wonder
  -  The U.K. Chancellor's measures to combat a double dip.
  -  "Heavenly Father, are you really there?"
  -  Thanks to Referring Traffic w/e 14th July.
 
Let me know your views, I'm also pleased to hear from people.  Regarding Yoshkar-ola, there is an orthodox Christian community who tuned in and read my blog one day.  Greetings to everybody in Yoshkar-ola!
 
Kind regards,
Duru-darshan
 
 
 
 

"He is Divine, he does not lie..."

Posted on July 12, 2012 at 2:31 PM Comments comments (32)
Such is the telepathic transfer I received this morning.  Later, I had confirmation of that.  Dear lady, I am honored by the trust you show in my words.
 
Professing no such powers, I however do my best to comment on the markets, and opining away, as
I find guidance when I sit at the computer and bash away at the keys.
 
Anyway, my Blogs over the last 7 days have been as follows :-
 
  -  Bank of England adds £50 billion Q.E.
  -  Money, work and implementation
  -  In the midst of war, people look for food, safety and loved ones.
  -  Floods, forestfires, landslides...what's happening?
  -  The U.S. jobs report... what does it mean?
  -  The Libor-fixing scandal...
 
You too may wish to read them, at :-
 
 
Kind regards,
Duru-darshan.
 
 
  -  

Drink a pinta milk a day....

Posted on July 12, 2012 at 6:15 AM Comments comments (2)
I remember the time when milk was 12p a pint.  That was in 1974.  I was a young boy at that time, just having left High School, and I used to enjoy drinking a pint of milk after work each day, sometimes straight from the bottle, at others mixed with milk rose or sherbet.  Healthy and delicious.
 
Today, milk seems about 25p a pint.  That is by no means expensive; indeed, milk is still very cheap in England, compared to the wage price inflation, cost of housing, petrol, almost any measure of pricing.
And yet, farmers' existence seems at stake as dairies are having to squeeze prices down. 
 
My suggestion is : On the issue of milk, a common-sense review in pricing should be done by an ad hoc committee, and implemented straight away, so that farmers can retain their livelihood and not be forced to close their businesses.  Milk is not expensive, and I feel most customers would not mind paying 10-20 pence extra per 4-pint container.
 
There ought to be a campaign to encourage people, especially youngsters, to drink more milk.  With Nesquick in different flavours, or with rose water, it is a delicious nutritious drink.  With a pinch of turmeric (haldi) it is a good antibiotic. 
 
I believe farmers should be given all the support to continue trading, to the betterment of this economy and the good health of the people.
 
Kind regards,
Duru-darshan.
 
 

In the midst of war, people look for food, safety and loved ones

Posted on July 9, 2012 at 4:31 AM Comments comments (0)
Yesterday, at the church, the Bible study class was taken by Brother Hubert da Silva.  He is from Nigeria, and told us about the realities of war. 
 
"Brother Akunne has served in Liberia," Hubert began.  Brother Akunne nodded.  "Tell us, Brother Akunne, what do people look for when they are in the midst of a war torn region, like you were in Liberia". 
 
"Food."
 
"Exactly.  Food.  People want to feed themselves, keep safe and look after their loved ones.  They are not thinking of anything else.  Nothing else matters.  People just want to be sure they remain safe, their loved ones remain safe, and they have food to eat....and water to drink, of course."
 
This stark reality of war seldom is obvious to people who have not been in such situations, and we should thank our lucky stars for such blessings. 
 
But think about the situation in Syria today.  All those people running for cover, at a loss why such a war is going on.  A civil war, brothers of the same nation killing each other.  What would our Heavenly Father say?
 
As the Peace Envoy Kofi Annan meets President Bashar al-Assad of Syria, I pray to God that they will work out a common-sense formula to withdraw the warring sides and try to create a natural peace. 
The ordinary people just crave peace, so they can feel safe, eat, drink and go about their day to day activities.  A good government ought to ensure such pursuit of happiness to its people, and President al-Assad must not let his people down on this most basic of human requirements. 
 
I pray for peace, for understanding hearts of people, for the common good of humanity, so people may feel safe and enjoy their God-given life in peace. 
 
If our Heavenly Father, who we call God and whose name is also Allah, were to feel good if humankind were to have peace, who amongst us would wish to please Him? 
 
Kind regards,
Duru-darshan.