Mr. Ocean

Investors generally say they are risk-averse as far as financial matters are concerned, but are they? But the thing is, how do they calculate the risk of their portfolio, in which they have employed their hard-earned capital? Generally, investors are lured by high and moderate returns in this asset management industry, but investors forget that with high returns of outcomes, it possesses high risk, which is uncalculated many times. On the other hand, investors observe the fund management history or track the fund manager's style for high returns, but those facts are based on past results. Stakeholders at large mostly forget the future prospects of their investments, as God knows where they will go. As per research as of now, out of total asset management companies in India, only 32.13% have generated returns greater than the NIFTY Index. It means investors pay higher commissions to fund managers for more than 67% of these companies. For instance, if your fund manager cannot give yo...

A virtual keyboard is mostly used in internet banking as a security measure to protect against keyloggers and other forms of malware. Keyloggers are malicious programs that record keystrokes, including sensitive information such as passwords and account numbers. By using a virtual keyboard, customers can enter their login credentials and sensitive information by clicking on the virtual keys with their mouse or touchscreen, making it more difficult for keyloggers to capture this information. This adds an extra layer of security to the online banking process. The best part of this keyboard is that every time you approach the login page of an internet banking site, it changes its key sequence every time, so that person beside you may remember the sequence of keys but may not remember the actual logic of the key, as elaborated in the below screen shots. Initial preview Subsequent preview But in today’s world, people are in a hurry and generally prefer a physical keyboard over a virtual key...

Everyone has their own definition of finance, but if we tell them to elaborate at the base level, they will end up saying all that is related to money is finance, but that is not the genuine way to view finance. Here are the views of mine that I have observed as a working finance professional over the years: People have emotions linked to finance, and we know that emotion is itself complex to understand. If we start to understand every person’s emotion with respect to their personal finance, it looks complex, and this trigger question that finance is difficult to define with respect to the common definition of finance at large. Well, don’t expect it from me that I’ll state the definition here; you will get better lines on the search engine, but those definitions are not specific, with which I am comfortable many a time to understand them. You see, the clear definition of finance is defined in the form of three sides of a triangle: emotion, actions, and value, but if you observe it clos...

“Winds always favor the trend." Today’s piece of note doesn’t focus on what stock investing or stock trading is. You people know it very well and have your own views and definitions of it, so let’s not discuss it. The main point of discussion is that the word “hopium” is derived from two words, which are hope and opium. This particular word in today’s attention economy plays a pivotal role in running this type of economy indirectly and at the mass level. People generally engage in stock trading under the influence of others or their expertise, and the same goes for stock investing. But in the long run, with views towards trading, major stakeholders have made huge losses, and in the case of investing, people have made huge profits, but the truth is that the hope of getting more leads to more tension and loss of personal health. Due to this, some people have created bubbles to make excessive money via stock trading or investing. This is only the key factor where people don’t have to...

YouTube is now a mainstream media, and at this very moment in the age of social media, it is hard to find a substitute for it as far as medium-long-frame video content display is concerned. But the main question is why people are not using the premium version of YouTube to avoid the unnecessary ads. As far as my analysis is concerned, people are used to it for ad visuals. As such, YouTube shows those relevant ads that are liked by people, and this happens only with the help of advanced machine learning and data analytics. YouTube's main core business is not to entertain us but to analyze our habits and interests so they can help their stakeholders generate potential sales out of it by showing ads, and in return, we get to know the various ranges of products in the market, as per a particular research paper that appeared in one of the YouTube videos that I accidently encountered in my feed. The famous Youtuber’s old videos are cash cow money-generating models and have high potential...

  Type:1 This type spends a lot without fear of losing their income sources because they believe the entire or a portion of their income sources are cash cows. Type:2 This type only accumulates wealth over time, rarely spends on luxury items, and waits for any uncertainty to occur so that their accumulated wealth can compensate the cause. Conclusion: From above, who is right in being wealthy and living wealthy? In my opinion, both are wrong in each other’s personal agenda of creating wealth, and on the other side, both are right from a third-person point of view as such: he wants to become wealthy, whether type 1 or type 2, so it’s irrelevant to him. Pin down your comments about your views on it.