Thursday, November 25, 2010

Conversation between GOD and ME

God : Hello. Did you call me?

Me: Called you? No.. who is this?

God : This is GOD. I heard your prayers. So I thought I will chat.

Me: I do pray. Just makes me feel good. I am actually busy now. I am in the midst of something.

God : What are you busy at? Ants are busy too.

Me: Don't know. But I cant find free time. Life has become hectic. It's rush hour all the time.

God : Sure. Activity gets you busy. But productivity gets you results. Activity consumes time. Productivity frees it.

Me: I understand. But I still can't figure out. By the way, I was not expecting YOU to buzz me on instant messaging chat.

God : Well I wanted to resolve your! fight for time, by giving you some clarity. In this net era, I wanted to reach you through the medium you are comfortable with.

Me: Tell me, why has life become complicated now?

God : Stop analyzing life. Just live it. Analysis is what makes it complicated.

Me: why are we then constantly unhappy?

God : Your today is the tomorrow that you worried about yesterday.You are worrying because you are analyzing. Worrying has become your habit. That's why you are not happy.

Me: But how can we not worry when there is so much uncertainty?

God : Uncertainty is inevitable, but worrying is optional.

Me: But then, there is so much pain due to uncertainty. .

God : Pain is inevitable able, but suffering is optional.

Me: If suffering is optional, why do good people always suffer?

God : Diamond cannot be polished without friction. Gold cannot be purified without fire. Good people go through trials, but don't suffer. With that experience their life become better not bitter.

Me: You mean to say such experience is useful?

God : Yes. In every terms, Experience is a hard teacher. She gives the test first and the lessons afterwards.

Me: But still, why should we go through such tests? Why cant we be free from problems?

God : Problems are Purposeful Roadblocks Offering Beneficial Lessons (to) Enhance Mental Strength. Inner strength comes from struggle and endurance, not when you! are free fromproblems.

Me: Frankly in the midst of so many problems, we don't know where we are heading..

God : If you look outside you will not know where you are heading.Look inside. Looking outside, you dream. Looking inside, you awaken. Eyes provide sight. Heart provides insight.

Me: Sometimes not succeeding fast seems to hurt more than moving in the right direction. What should I do?

God : Success is a measure as decided by others. Satisfaction is a measure as decided by you. Knowing the road ahead is more satisfying than knowing you rode ahead. You work with the compass. Let others work with the clock.

Me: In tough times, how do you stay motivated?

God : Always look at how far you have come rather than how far you have to go. Always count your blessing, not what you are missing.

Me: What surprises you about people?

God : when they suffer they ask, "why me?" When they prosper, they never ask "Why me" Everyone wishes to have truth on their side, but few want to be on the side of the truth.

Me: Sometimes I ask, who am I, why am I here. I cant get the answer.

God : Seek not to find who you are, but to determine who you want to be. Stop looking for a purpose as to why you are here. Create it. Life is not a process of discovery but a process of creation.

Me: How can I get the best out of life?

God : Face your past without regret. Handle your present with confidence. Prepare for the future without fear.

Me: One last question. Sometimes I feel my prayers are not answered.

God : There are no unanswered prayers. At times the answer is NO.

Me: Thank you for this wonderful chat.

God : Well. Keep the faith and drop the fear. Don't believe your doubts and doubt your beliefs. Life is a mystery to solve not a problem to resolve. Trust me. Life is wonderful if you know how to live. "Life is not measured by the number of breaths we take but by the moments that took our breath away!

Tuesday, November 23, 2010

The Heaven and the Hell

A man, his horse and his dog were traveling down a road. When they were passing by a gigantic tree, a bolt of lightning struck and they all fell dead on the spot.
But the man did not realize that he had already left this world, so he went on walking with his two animals; sometimes the dead take time to understand their new condition…

The journey was very long, uphill, the sun was strong and they were covered in sweat and very thirsty. They were desperately in need of water. At a bend in the road they spotted a magnificent gateway, all in marble, which led to a square paved with blocks of gold and with a fountain in the center that spouted forth crystalline water.
The traveler went up to the man guarding the gate.
“Good morning. What is this beautiful place?”
“This is heaven.”
“How good to have reached heaven, we’re ever so thirsty.”
“You can come in and drink all you want.”
“My horse and my dog are thirsty too.”
“So sorry, but animals aren’t allowed in here.”
The man was very disappointed because his thirst was great, but he could not drink alone; he thanked the man and went on his way. After traveling a lot, they arrived exhausted at a farm whose entrance was marked with an old doorway that opened onto a tree-lined dirt road.

A man was lying down in the shadow of one of the trees, his head covered with a hat, perhaps asleep.
“Good morning,” said the traveler. “We are very thirsty – me, my horse and my dog.”
“There is a spring over in those stones,” said the man, pointing to the spot. “Drink as much as you like.”
The man, the horse and the dog went to the spring and quenched their thirst. Then the traveler went back to thank the man.

“By the way, what’s this place called?”
“Heaven.”
“Heaven? But the guard at the marble gate back there said that was heaven!”
“That’s not heaven, that’s hell.”
The traveler was puzzled.
“You’ve got to stop this! All this false information must cause enormous confusion!”

The man smiled:
“Not at all. As a matter of fact they do us a great favor. Because over there stay all those who are even capable of abandoning their best friends…”

Friday, November 12, 2010

credit rating_7

What are investment and speculative grade ratings?

An investment grade rating signifies the rating agency’s belief that the rated instrument is likely to meet its payment obligations. The debt instruments rated 'BBB' and above are classified as investment grade ratings. Instruments that are rated ‘BB‘ and below are classified as speculative grade category ratings in which case the ability to meet the payment obligations is considered to be “speculative”. Instruments rated in the speculative grade are considered to carry materially higher risk and a higher probability of default compared to instruments rated in the investment grade.

Wednesday, November 03, 2010

credit rating_7

What do the “+” and “-”sign indicate in a rating?



Plus and minus symbols are used to indicate finer distinctions within a rating category. The minus symbol associated with ratings has no negative connotations. In fact, ratings in a higher rating category such as ‘AA-‘ are stronger than ratings in a lower rating category such as ‘A+‘.

credit rating_5

Are rating symbols the same across all types of debt instruments?


No. Rating symbols may vary depending on the type of debt instrument, as for example long term or short term.

credit rating_4

What do the various rating symbols mean?


Each rating symbol is an alphanumeric representation of the degree of repayment risk associated with debt instruments.

Monday, November 01, 2010

credit rating_3

How is credit rating done?


Ratings are based on a comprehensive evaluation of the strengths and weaknesses of the company along with an in-depth study of the industry as well as macro-economic, regulatory and political environment.

credit rating_2

Is a credit rating in the nature of a recommendation?



No, a credit rating is not a recommendation to buy, sell or hold a debt instrument. It is a comment only on the credit risk in an instrument. Rating only provides an additional input to the investor and the investor is required to make his own independent and objective analysis before arriving at an investment decision.

credit rating_1

What is credit rating?


A credit rating is an opinion regarding timely payment of interest and principal on a debt instrument. A simple alphanumeric symbol is normally used to convey a credit rating.