Writer's Pit

The petroleum dealers here have now stopped distributing petrol and diesel. The price had been hiked by the Nepal Oil Corporation only to last a couple of days. Now the concern about the dealers is that they have or might have paid at the higher rate and now when the price has been dropped they would have to sell the same under their purchase price. A drop in the price of up to 10.00 makes a huge difference with the stock they have. So this has been a serious concern.

On contrary to this when the dealers buy these petroleum products at a cheaper price and immediately the price is increased, they make a huge profit. The ratio of dropped price to increased price has a huge difference. In this case the general consumer has never spoken anything and now when the dealers are in a verge of losing some profit they are on the way to strike. Finally the burden lies upon the general publics shoulders.

Everyday we hear some of the biggest companies in the world cutting off jobs because of the de growth in the turnover they were creating. There are two classes in the world of business. The first one is the employer and the second one is the employees. Here the other important class is neglected because it doesn’t effect what is going to be explained here. The class is consumers.

All the employees enjoy all the privileges when the company they are working for is doing well in the market. But in the downfall in the trend, a lot of jobs have to be cut off. So in this case what every employee should think of is a retirement solution. It has been a necessity of finding a suitable retirement solution and invest on it before it gets too late. But the problem here is that there aren’t enough sectors to invest upon for a retirement life. What employees here has been doing is work in their retirement days as well.

There are some places to invest in the form of retirement solution but the number is two low. If only big companies bring out such programs, both the business firms as well as the employees including the whole economy would be the beneficiaries of such programs.

• Salary Sheet:-This is the first thing that private organizations are fraud. There is a provision for those employees who are paid above five thousand needs to pay tax. So what organizations do is, raise three person's salary in the name of a single employee.
• Value Added Tax Invoice:-The retailers and whole sellers don't provide a value added tax invoice to it's customers in most of the products they deal with. Those products which the importer of the distributors have brought in the market have not paid all the import duties.
• Accounting Softwares:-Different organizations are using different accounting softwares which is not an arguable issue. But some of the softwares are totally customizable, so that the traders can hide their illegal transactions.

Labors are the strength of an organization. Big or small organizations, there is a very key role of labor in the firm. Lately the conflict among the labors and the management in some of the biggest organizations in the nation has negatively affected the whole economy. This issue should also be taken into concern by both the parties.

Everyday in the newspaper, I find news about a factory being shut down due to this conflict. Here what one has to see is, the factory as the employer and the labors as the employees should come into compromise and the production should remain consistent. Regarding a micro sized problem, the conflict incurs which is a bad omen in financial as well as in a social perspective.

The latest news which I happened to read is the news regarding the shut down of Himalayan Snacks and Noodles Pvt. Ltd. I personally feel bad reading such news.

There is yet again a hike in the price in the LPG gas. This is the second time in the last two months or so that Nepal Oil Corporation has hiked the price. Back then a cylinder of gas used to cost 900.00 which have now reached 1250.00 per cylinder. This is really ridiculous as there is no record of price decrease in the history. Everyone is now familiar with the Nepal Oil Corporation’s status but is helpless. There has been no change in the plans and policies of Nepal Oil Corporation on improving its financial status. All the dues and loss that Nepal Oil Corporation has been bearing has been targeted to compensate through its consumers. Just raise the price has been the primary motive of Nepal Oil Corporation to sustain in the market.

Due to this, the whole economy is shaking in the nation. A slight alteration in the price of such petroleum products is enough to affect everything. Every sector is affected. Probably there are no good policy makers in the nation especially in the Nepal Oil Corporation which has already been proved.

The price increment in LPG gas already saw some violent protests and the city is in chaos right now. The local transportation is in complete halt, the business houses are not being able to carry on their daily transactions and as always the riots are busy in vandalizing public property. This however is believed to bring to consideration on the price increment.

Surveys show that only 10% of the total market has been covered by life insurances. The potential of insurance market is very big and there is a large room of expansion. The concept and importance of life insurance is still vague in the general public and to literate all those public may take some time but the result would be fruitful.

The upcoming life insurance companies include those companies backed by the top leading business houses currently. Khetan Group, Bishal Group, Shanghai Group and Dugar Groups backed companies have already been permitted to operate life insurance here in Nepal. The names of those upcoming life insurance companies are Prime, Gurans, Surya and Asian. Prime, Gurans, belong to Khetan, Dugar respectively and Surya is a joint venture of Bishal Group and Shanghai Group. Whereas the Asian Insurance company belongs to a group of already running finance companies Mahalaxmi Finance, Narayani Finance and National Finance.

Insurance is a very important thing in anyone’s life. The lack of insurance concept among the general public is the only hurdle for these insurance companies in the long run. Some day in future when insurance will be compulsory, then these new insurance companies could do a lot more.

Due to the heavy load shedding, the buying and selling of electric lantern and batteries have hopped up very high. The demand of inverters, ups and batteries has totally crossed the supply as the dealers dealing in such equipments are not able to supply in a sufficient quantity. The availability of the diesel run generators is also zero in the market. In spite of the hike in diesel, people are obliged to run diesel operated generators as they are more reliable than other electric lanterns which need to be electrically charged.

And in the remote areas where there is access to electricity, the buying and selling of kerosene run lanterns have increased. Those shops which used to deal with such lanterns hardly sold a piece a day and now they have been selling more than ten a day. With this, the consumption of kerosene oil has also increased.

Among those who have been terribly affected by the load shedding includes the electric vehicles. Thirty six hours of load shedding a week is unbearable and to cope up with this problem the only solution is electric lanterns in the urban areas.

Now the question is when people use such lights which need to be charged electrically, will Nepal Electricity Authority be controlling the electric consumptions? Leaving the load shedding hours, each and every house would be consuming more electricity than other normal hours. They would be busy in recharging the batteries and lanterns.

So this load shedding doesn’t mean saving electric consumption at all.

A couple of days back the Nepal Treasury and Bond Association organized a rally to raise concept of Stock Transaction. Most of the people are not familiar with this subject matter. They get involved in Share transactions only in the influence of their family and friends. To some, it has worked well and to some it might not.

In today’s context, where Nepal Stock Exchange has been doing well, the majority of the general public is still unaware of the stock transaction. Had it been familiar to everyone, the Nepal Stock Market would have flourished a lot better way back. To create awareness of this kind of market, effort should be made from the root level. In this context root level has to refer secondary level grades. Below secondary levels this subject and chapters would be too much burden for kids. So the best way to raise awareness about stock exchange is not to organize rallies carrying banners and all, but to build a foundation in the school levels.

This initiation in the school levels would take a lot of time but in the long run it will work well. We are not supposed to have a short sight so in the long run the right time to start creating awareness about stock and bonds is right now in the secondary levels.

Investing upon shares is not as easy as it seems to be. It is all about taking risks or averting risks. Taking risks could earn a good return whereas averting risks would not yield good return but the return would remain consistent. But when talking about investment, one always looks for good return. The brokers suggestion could not be worthy for an amateur investor.

For such complications mero lagani could be a very handy site where you can buy virtual shares and invest them with your virtual capital. The loss or gain would be the actual ones with that of the Nepal Share Transaction. This is the best way to learn on how to invest upon shares.

In the context of Nepal there have been no bonds and treasuries issued so the most reliable sector for investment has been the shares which is flourishing very well. The absence of retirement solutions could be the basic factor which forces one to invest upon shares.

So if you too want to get involved in share transaction, get started at mero lagani which will make you a professional share trader. Good luck.

Tata motors of India has built the cheapest car till date. This cheapest car is modeled as Tara Nano, the price which has been marked at one hundred thousand rupees in Indian currency. This works out to somewhere around two hundred five thousand dollars and somewhere around one thousand two hundred seventy seven pounds. As claimed by the Tata motors company, this is the result of four years of extensive labor, survey and engineering. This is a five seater car with 33bhp, 624 cc engine and the mileage is twenty kilometers per liter which is quite economical. This car has also passed all the emission standards and is an eco-friendly vehicle.

The Tata Motors has announced to build 250,000 cars at its initial stages and expects to fulfill the forthcoming annual demand of one million cars. In a competition like today, the other big car manufacturers are already shaking because of the price that this Tata Nano. People from the middle class family would be privileged with this Tata Nano and they would rather buy a Tata Nano instead of a motorcycle.

The race is on now, and its just a matter of seeing the future on how good will this Tata Nano do economically as well as commercially.

It isn't easy to take your car to far away places where you necessarily need to be. Driving continuously for hours or days is hectic and nuisance. I myself cannot imagine of thinking of taking my vehicle with me to such places which are very far from my city. In this case an auto transport comes out handy.

The most reliable one of such kind of service of car shipping is national-car-shipping.com. Here, you can have your car or any other vehicles transported to and from any state. They hold license for such car shippings. They provide a good service when it comes to shipping cars which has an experience of over two decades and the customer's satisfaction as the basic motto for the company. They have records of successfully and safely shipping autos from and to all over 50 states. There are so many reasons why this national car shipping is the best option for auto shippings. Some of the best things about national car shipping are:

• for any damages, the vehicles are always insured
• professional and experienced drivers for auto shipment
• enclosed trailer car shipping for expensive cars
• the vehicles which need to be transported doesn't necessarily be operable
• low car shipping rates
• no bar against size of vehicle to be transported

The highly anticipated share issuance in the Nepal Stock Market is Nepal Telecommunication’s share. The Nepal Stock Exchange is doing quite good and the number of investors keen on investing on shares is increasing day by day. The expectations of those investors are very high on investing upon Nepal Telecommunication’s share.

The recent news however could disappoint some small investors. The par value of the Nepal Telecommunication share is said to be somewhere around 500.00 and above. This shows that small investors are bereaved of owing Nepal telecommunication share which is expected to yield a good pay back.

Due to the halt for a couple of days in the Nepal Stock Exchange Market transaction, the situation has worsened a bit. It might take some time to recover when the NEPSE Index had crossed the 1000.00 mark. In these circumstances, Nepal Telecommunication is said to be issuing shares for general public for more than 500.00 per share. Though the pay back it yields could be very good, small time investors can’t just afford to invest on them.

The top brand in the world is Coca Cola leaving its rival Pepsi far behind. Coca Cola was in the number one spot in the top 100 brands of the world in consecutive 2006 and 2007 years. Though the brand value in 2007 has decreased, it is still able to maintain its spot at number one. The brands that have been behind Coca Cola since 2006 includes brands like Microsoft, IBM and GE. The rest of the brands in the top 100 have been in the ups and downs leaving these four big brands. The improvement in the brand value of Microsoft could not overtake the top one spot in spite of Coca Cola’s decreased brand value.

The market share of Coca Cola and it’s rival Pepsi might be 50-50 in many parts of the world but when it comes to Nepal, the market share structure would be 3:1. The factor which needs to be credited for this data of Coca Cola’s market share cannot be determined that easily. As far as I know, the factors could be, the management and the quality it has maintained. The company with the largest paper work in Nepal had Bottlers Nepal, the sole distributor for Coke in the second spot. This also proves that the management is good and the quality maintenance needs no description at all.

There were ups and downs in Coke. A couple of years or so, the workers went on for a strike all over Nepal in Bottler’s Company resulting the distribution and production into halt. To worsen this case, this halt was in existence in the peak season which was finally solved.

The year 2008 could be different and nothing is predictable. The number one spot could be snatched by Microsoft in this present age of information technology. If only Coca Cola could come up with some beverage for chilling cold with the same brand, who knows they might still be at the number one spot for the next ten years or so.

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The potential of Hydro power in Nepal is very high. Many international companies are keen on investing on hydro power projects in Nepal. Recently the government has announced to let foreign companies to operate the hydro power projects which include Upper Karnali and Arun the third. The ministry council will be handing over the license to that contractor who could avail more free electricity. In this run the G.M.R. is in the priority list with other companies like Jindal, Reliance and Larson and Turbo.

The government had issued bids to those companies in two different categories. They were, free avail of electricity and the share investment. In this bid, G.M.R. will be providing 7.5 % of the total generated electricity from Upper Karnali and 15% from Arun Third. G.M.R. will also be investing 33% share in the Upper Karnali Hydro Project. Till date G.M.R. is in the top of the list in the priority list.

So the government has decided to hand over the license to that company which provides more electricity for free and will invest a good share in this hydro power project.

The recent decision taken by the Nepal Oil Corporation is a very absurd one. They say that they will avail the Liquid Petroleum Gas in such a way that they could be able to fulfill the daily demand. The way is to mark the retail price in different categories. According to Nepal Oil Corporation, they have been bearing loss in LPG gas in addition to petrol. So the new plan goes this way.

There would be separate price for commercial use and a separate price for domestic use and for students as well. So how can they be able to determine the use whether its for domestic or a commercial use. A small tea shop who consumes a couple of cylinder to run his business and a large family who needs five cylinder of LPG gas cannot be distinguished between a commercial or a domestic use. Is it fair to charge a bit higher than normal to that small tea shop and charge less to that big family?

They also have said that, hotels, transportation companies will be levied an extra price for the same cylinder leaving the rest with the normal price. The price is expected to hike just to compensate the loss that Nepal Oil Corporation has been bearing in LPG gas.

So a quick decision should be made so as to reach the daily consumption of LPG gas by the Nepal Oil Corporation.

The internet is where the world lies at present. For every these and those tasks we need internet. The most trusted information center is also the internet and the websites as well. Every time logging on to the internet could be hectic and trouble some for some. So this new software which is the world's most powerful web site downloader is the best softwares. This particular software is basically used to capture website which can be browsed offline. The procedure of capturing a website is very simple and doesn't need that much of knowledge on Php, html, FTP etc. Not only for capturing a website, this software is equally good for image downloading, video as well as audio downloading too. The main features of this software are :

• supports broken downloads
• extracts entire web site
• grabs images, videos and audios
• downloads at Lightning-fast

The Nepal Stock Exchange is in trouble right now. As it was progressing, the issue on margin lending raised by the Nepal Rastra Bank has now been the only factor in the halt of daily stock transaction. A group of twelve to thirteen investors have not let the transaction. There are some brokers who do not want to expose themselves but are against those investors who are not letting them transact. The share transaction did not take place for the third consecutive days and those investors are holding their stance of not letting any transactions on the floor. With this, small investors have been terribly hit while the big investors do not have to face such problems. This could be the sign of Nepal Stock Exchange heading towards crash when Nepse was doing quite well. If this halt continues, it is for sure that Nepal Stock Exchange will crash.

There are some other issues as well in the Nepal Stock Exchange. Recently Nepal Stock Exchange had announced to add more brokers and the number of applicants reached much higher than the available seats. Some brokers have filed a case against NEPSE as they state that free entrance and free exit should be allowed to brokers.

It is now the matter or only hoping for the dispute being settled with Nepal Rastra Bank who issued notice of not allowing margin lending, the investors who are not letting the transaction to take place, the brokers and the Nepal Stock Exchange Market, itself. Whatever is happening is an unhealthy practice in a developing country like Nepal when the stock market was booming.

All the commercial banks are on the run of expanding themselves by opening new branches. But they are totally focused in and around the capital city. There is only one bank owned by the state which is Rastriya Banijya Bank and one of the oldest banks in the country which has also decided to open its branches. The expansion was halted due to conflict and now it seems that the conflict is over. Now it is ready to open branches. The good news is not just about having many branches but the main concern is that Rastriya Banijya Bank has planned to open its branches not in the capital but in different parts of the country. This is what could be regarded as a good and helpful motive. All the other commercial banks are competing for having the largest number of branches but they are concentrating only in the capital city. Some banks have opened its branches over twenty which are established in and around the capital city. So this move initiated by Rastriya Banijya Bank is praise worthy.

The location of Rastriya Banjiya Bank’s branches covers a wide area from east to west. Though the inauguration hasn’t been yet done but the process is on the way. The following cities have been chosen for its branches:

· Sunwal of Nawalparasi
· Khanikhola of Dhading
· Kharanitaar of Nuwakot
· Mahendranagar of Dhanusa
· Katari of Udayapur
· Arughat of Gorkha

With these scattered branches over Nepal, people are expected to get a lot of benefits.

You wake up early in the morning and from then you are in a hurry. Everyday you are in a rush and you would probably be thinking of excuses to convince your boss about your time. Now when you reach the office you are already tensed and the whole day gets screwed. You return home exhausted thinking of the next day. All these could change if only you would know something about online business. The time has changed drastically and the only place where you can earn more than what you earn from the office you work is an online business. The potential of online business from home is very large and you can work at home to earn your living plus making a good fortune. There are already a number of people who have earned a lot of money with their online business. There are no pressures of any kind and no one to harass you when you know that you are giving up your cent percent. So this is the time to slap hard at your nuisance boss and start working online where you will be earning more than what you are earning in your office or your work station. If you are familiar with copyright issues, then here's a good chance of getting involved in online job.

Who doesn't love their vehicles? Everyone loves their vehicles, be it a moped, a scooter, a hummer, a beetle or a truck. Loving a vehicle is not just enough, it needs good care and proper maintenance as well.

People generally use cheap and effective formulas to clean their vehicles. But they haven't realized that those formulas have harmful ingredients like silicon. These cleansers doesn't help remove satin and add shine to the surfaces of any vehicles but lessen the life. So to keep a vehicle clean and shiny one should be very careful in choosing such auto care products. One of the most convincing formula available is GTO Eco-Tech formula. These products include plastic protectant for both internal and external use. To use this formula a special application sponge has also been made. For these auto detailing supplies you need to login to gtoautocare.com. The price of those products ranges from $2.99 dollars and not exceeding $65.99, all of them do not have any shipment costs as well.

Among a number or reasons why these auto care products should be everybody's choice, here are some important ones:

• the effect lasts three months long
• it is waterproof
• it protects plastic surfaces against ultra violet rays
• it doesn't contain harmful element like silicon
• it's easy to use
• and most improtantly it is eco-friendly