“Yeah”, shouted everyone in front of the “Sukhwinder Kirana”, after “Sukhwinder” hit the coconut in the ground. This man opened up this shop beside a grocery shop, “Birju Stores”.
Birju: - Arey baah, sukhwinder, khol liya apna dukaan. Badiya hai…
Sukhwinder: - Dhanyabaad, Birju.
Birju: - I will also see, how much profit you can do. If you are in loss, just consult me, as I know, how to make profits.
In the first month of operation, there was hardly any customer for the “Sukhwinder Stores”. Then he targeted small kids, by keeping good toys, pictures and other necessary school stationeries. Not only that, if anyone buys any book or copies worth Rs.50/-, that person will get a “Reynolds” or “Cello” pen for free of cost.On the other hand, “Birju” is very clever and fools the people with this weighing machine. For every 100 gm, he saves at least 10 gm. That is if you are buying rice of 1 kg, then actually you are buying 900 gm. So, if the price of the rice is Rs.30/- per Kg, and Birju is buying it at Rs. 24/- from a local market, then there is a profit of Rs.6/- plus the price of extra 100 gm that he is saving by fooling the customer.
After 6 months, both “Sukhwinder” and “Birju” sat together in the “Maharaja” Bar, to have some drinks.Birju: - So, what is your net profit per month, from that kirana shop.
Sukhwinder: - Well, it is at least Rs. 8000/- per month.
Birju: - I am having at least a profit of Rs.15, 000/- per month.
Sukhwinder: - I think, you have not understood the real term of “Net Profit”, you are only talking about the Earnings by Profit, but you are ignoring the indirect commissions or taxes.
Birju: - Arey babah, mein tax deduct kar ke hi bol raha hoon.
Sukhwinder: - I am not talking about the government tax. He he he, I am talking about the hidden taxes of a fraud businessman like you.
Birju: - Ei, I am not a fraud. To do business, you have to do some tactics, to earn more money. Now, tell me in straight words, what you are trying to tell me.
Sukhwinder: - after paying all the taxes, you have profit of Rs.15, 000/-, but as you are using the erroneous weighing machine, so, you have to pay around Rs.5, 000/- per month to the Market Supervisor. The local Police Inspector knows everything and always hungry for your gift packet of Rs.3, 000/- per month. Not only that, I also know that, you also provide some more money to your employees, to keep their mouth shut, about your faulty machine and ghaplabaaji. So, let me consider, that is only around Rs.500/- per month.
Birju: - Ya, that is true, but how you got this information. I think, now I have to pay you some money also.
Sukhwinder: - Have you calculated your net profit per month. It is coming around Rs. 6,500/- per month, which is less than my net profit of Rs. 8,000/- per month.
Birju: - I understood what you are trying to say. In India, to do a long term business with huge net profit, you need to have the honesty in business. You are a “Sardar”, but your brain is sharper than a “Marwari”.
Tuesday, September 8, 2009
Monday, September 7, 2009
SIP SCHEMES
So, you want to take mom to USA”, asked “Arindam” to his brother “Aakash”. “Aakash” confirmed by nodding his head in an affirmative way.
Mom: - Arindam, Don’t think that I don’t love you my child, but as you are having a very small income in this little village as a farmer, so, I don’t want to be a burden on you. You also have two little daughters also, for whom; you have to save money for their marriage in future.
By hearing these words, “Indrani”, the wife of “Arindam” got furious and boasted her, “Maaji, have we ever let you feel, that you are a burden on us. Actually, why don’t you tell the truth that you are a greedy person, and you don’t love my sweet hubby, because he is a farmer and your younger child “Aakash” is a “Software Developer” of “Satyam Computers”, posted in USA?
Mom: - Yes you are right. See, if you judge by the qualification and talent, it is “Aakash”, who has made me proud as a mother. “Arindam”, a farmer, is a useless fellow and whatever little talent was still there with him, got exhausted, after marrying you.
Indrani: - Well, I don’t want to argue with you, then you will complain about me to your elder son, and he will be angry on me. I don’t want that to happen. Anyway, best of luck, maaji, for going to USA. “Aakash” went away with his mother to USA. On that evening, “Arindam” was sitting idle, with his hookah.
Indrani: - I know, today your mood is off. But, what can you do in this case. Don’t be sad, dear.
Arindam: - In my entire life, I have never satisfied my parents. I have tried my level best, but still I failed. I was not as brilliant as “Aakash”. I failed in class V only, for three times. After that, my father died. I then took up the charge of the family as a farmer. He He He, probably, I had no choice.
Indrani: - Ok, ok, I know everything, I am your wife. Now, don’t become emotional again, please. Tomorrow, we have to plough the entire field. We have to wake up early tomorrow. Please go to sleep, dear.Next day, both “Arindam” and “Indrani” were in the field, with their radio. Suddenly, “Indrani” shouted at her hubby.
Indrani: - Koi go suncho, today there is hot news about “Satyam Computers”. There is some trouble in the company, and 400 people posted in USA, has been laid off. You can call and confirm, whether, your talented brother is still in that company or not.
“Arindam” went to a PCO booth, and called “Aakash” through ISD. It was sad news indeed. “Aakash” is now unemployed and coming back to India after 2 weeks, with his mother, who is ill now.
Indrani: - What has happened to maaji?
Arindam: - There is a stone in the gall bladder. Operation is required. Aakash told me that, he is not having enough money to do the check-ups for mom.
After 2 weeks, mom came in India, and within 1 month, operation has been done. “Arindam” gave all the money for the health check –up.
Arindam: - Aakash, mere bhai, You earned so much of salary, but you have no savings. My goodness. Why?
Aakash: - Bhaiya, actually, I was undergoing the “USA Culture” fever. I had a girlfriend who is half Indian, half USA. I spent a lot on her, and their culture is such that, they can even become beggars, to satisfy themselves, by spending money. But, I don’t understand, how you, just as a farmer, manage to save all these money.
Arindam: - I am now 32 years old. I started investing money on different “SIP Schemes”, of the companies from diverse sectors. Now, at present, I have 6 schemes running parallel, with only Rs, 2,000/- per month as premium. If you analyze, on a long term basis, you will at least get 15% profit on the overall portfolio, which is much higher than any banks. Not only that, your bhabhi is also an expert. He always keep at least 50% of the money aside, which she earns by teaching the local students in the paathshala. That 50% savings, she invested as a “SIP Schemes”. She also has 4 SIP Schemes under her. Ultimately, we are pouring drops of water, to make a full glass of water.
Mom: - Arindam, my dear son, you have no educational qualification, I agree, but you have good presence of mind. Aakash, follow your brother's strategy. From now on, just invest in all profitable "SIP SCHEMES", as Sensex is rising slowly and steadily.
Mom: - Arindam, Don’t think that I don’t love you my child, but as you are having a very small income in this little village as a farmer, so, I don’t want to be a burden on you. You also have two little daughters also, for whom; you have to save money for their marriage in future.
By hearing these words, “Indrani”, the wife of “Arindam” got furious and boasted her, “Maaji, have we ever let you feel, that you are a burden on us. Actually, why don’t you tell the truth that you are a greedy person, and you don’t love my sweet hubby, because he is a farmer and your younger child “Aakash” is a “Software Developer” of “Satyam Computers”, posted in USA?
Mom: - Yes you are right. See, if you judge by the qualification and talent, it is “Aakash”, who has made me proud as a mother. “Arindam”, a farmer, is a useless fellow and whatever little talent was still there with him, got exhausted, after marrying you.
Indrani: - Well, I don’t want to argue with you, then you will complain about me to your elder son, and he will be angry on me. I don’t want that to happen. Anyway, best of luck, maaji, for going to USA. “Aakash” went away with his mother to USA. On that evening, “Arindam” was sitting idle, with his hookah.
Indrani: - I know, today your mood is off. But, what can you do in this case. Don’t be sad, dear.
Arindam: - In my entire life, I have never satisfied my parents. I have tried my level best, but still I failed. I was not as brilliant as “Aakash”. I failed in class V only, for three times. After that, my father died. I then took up the charge of the family as a farmer. He He He, probably, I had no choice.
Indrani: - Ok, ok, I know everything, I am your wife. Now, don’t become emotional again, please. Tomorrow, we have to plough the entire field. We have to wake up early tomorrow. Please go to sleep, dear.Next day, both “Arindam” and “Indrani” were in the field, with their radio. Suddenly, “Indrani” shouted at her hubby.
Indrani: - Koi go suncho, today there is hot news about “Satyam Computers”. There is some trouble in the company, and 400 people posted in USA, has been laid off. You can call and confirm, whether, your talented brother is still in that company or not.
“Arindam” went to a PCO booth, and called “Aakash” through ISD. It was sad news indeed. “Aakash” is now unemployed and coming back to India after 2 weeks, with his mother, who is ill now.
Indrani: - What has happened to maaji?
Arindam: - There is a stone in the gall bladder. Operation is required. Aakash told me that, he is not having enough money to do the check-ups for mom.
After 2 weeks, mom came in India, and within 1 month, operation has been done. “Arindam” gave all the money for the health check –up.
Arindam: - Aakash, mere bhai, You earned so much of salary, but you have no savings. My goodness. Why?
Aakash: - Bhaiya, actually, I was undergoing the “USA Culture” fever. I had a girlfriend who is half Indian, half USA. I spent a lot on her, and their culture is such that, they can even become beggars, to satisfy themselves, by spending money. But, I don’t understand, how you, just as a farmer, manage to save all these money.
Arindam: - I am now 32 years old. I started investing money on different “SIP Schemes”, of the companies from diverse sectors. Now, at present, I have 6 schemes running parallel, with only Rs, 2,000/- per month as premium. If you analyze, on a long term basis, you will at least get 15% profit on the overall portfolio, which is much higher than any banks. Not only that, your bhabhi is also an expert. He always keep at least 50% of the money aside, which she earns by teaching the local students in the paathshala. That 50% savings, she invested as a “SIP Schemes”. She also has 4 SIP Schemes under her. Ultimately, we are pouring drops of water, to make a full glass of water.
Mom: - Arindam, my dear son, you have no educational qualification, I agree, but you have good presence of mind. Aakash, follow your brother's strategy. From now on, just invest in all profitable "SIP SCHEMES", as Sensex is rising slowly and steadily.
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