I LOVE TO BE A TEACHER

I LOVE TO SEE SMILING FACES OF MY STUDENTS EVERY MORNING...........

I LIKE TO PAMPER MY KIDS.......

I DON'T LIKE BUT I HAVE TO SCOLD THEM ON THEIR MISTAKES......

I ADMIRE TO SEE THEM CORRECTING THEMSELVES........

I AM THEIR TO HELP THEM OUT IN ALL THEIR DIFFICULTIES....

I FORGET ALL THE SORROWS AND ALL THE PAIN WHEN I ENTER THE CLASSROOMS......

I CRAVE TO SEE MY STUDENTS EVEN ON HOLIDAYS.......

I LEARN WITH THEM, I UNDERSTAND WITH THEM I APPEAR IN ALL THE EXAMS WITH THEM..........

I PASS, I FAIL, I SCORE GOOD, I SCORE UNSATISFACTORY ........

I TRY AGAIN ,TOGETHER WE ACHIEVE......

AND I HATE TO SEE MY STUDENTS UNDER STRESS......

I HATE TO SEE MY PUPIL PUZZLED AND CONFUSED.......

GOD GIVE ME POWER TO STAND BY EACH OF MY STUDENTS WHEN EVER THEY ARE IN NEED........

I LOVE TO BE TEACHER IN DEED... I LOVE TO BE TEACHER...... I LOVE TO BE TEACHER........ I LOVE TO BE A TEACHER.....

WAREHOUSING

WAREHOUSE-MEANING-A WAREHOUSE IS A COMMERCIAL BUILDING FOR STORAGE OF GOODS. WAREHOUSES ARE USED BY MANUFACTURERS, IMPORTERS,WHOLESALER,TRANSPORT BUSINESS,CUSTOMERS ETC. THEY USUALLY HAVE LOADING DOCKS TO LOAD AND UNLOAD GOODS FROM TRUCKS. SOMETIMES WAREHOUSES LOAD AND UNLOAD DIRECTLY FROM RAILWAYS,AIRPORT OR SEAPORTS.

TYPES OF WAREHOUSES

1.PRIVATE WAREHOUSES-THESE WAREHOUSES ARE CONSTRUCTED BY BUSINESSMAN FOR PERSONAL USE. NORMALLY LARGE BUSINESS HOUSES GET THESE WAREHOUSES CONSTRUCTED BECAUSE THE COST OF CONSTRUCTING THESE WAREHOUSES IS VERY HIGH.

FEATURES- 1. SMALL AND FINANCIALLY WEAK FIRMS CAN NOT AFFORD TO HAVE PRIVATE WAREHOUSES.

2.THESE WAREHOUSES ARE MADE BY FIRMS WHICH NEED WAREHOUSES WITH SPECIAL TECHNICAL REQUIREMENTS.

3. THESE KIND OF WAREHOUSES ARE SUITABLE FOR SUCH FIRMS WHERE IMMEDIATE AVAILABILITY OF GOODS IS REQUIRED.

2.PUBLIC WAREHOUSES-THESE WAREHOUSES ARE AVAILABLE FOR GENERAL PUBLIC TO STORE THEIR GOODS. THE OWNER OF THESE WAREHOUSES ARE PRIVATE INDIVIDUALS OR GROUP OF PEOPLE.

FEATURES-1.THESE WAREHOUSES ARE AVAILABLE FOR COMMON PEOPLE TO STORE THEIR GOODS.

2.THESE WAREHOUSES ARE LICENSED BY GOVERNMENT.

3.RENT AND RATES ARE REGULATED BY GOVERNMENT.

4.THESE WAREHOUSES ENSURE FULL SAFETY AND SECURITY OF GOODS.

5.GOODS KEPT IN PUBLIC WAREHOUSES CAN BE INSURED AT LOW RATE OF PREMIUM.

6.PUBLIC WAREHOUSES PROVIDE ADDITIONAL FACILITY OF GRADING, PACKING,BLENDING, LABELLINGS ETC.

3.BONDED WAREHOUSES-THESE WAREHOUSES ARE USED TO STORE THE IMPORTED GOODS ON WHICH IMPORT DUTY IS NOT PAID. THESE ARE LICENSED BY GOVERNMENT AND CAN BE OWNED BY PORT AUTHORITY OR PRIVATE PEOPLE.FEATURES-1.GOODS CAN BE REMOVED IN PATR ON THESE WAREHOUSES STORE IMPORTED GOODS.

2. GOODS CAN BE REMOVED IN PARTS FROM THESE WAREHOUSES.

3. THESE WAREHOUSES PROVIDE ENOUGH TIME TO IMPORTER TO ARRANGE MONEY TO PAY IMPORT DUTY.

4.WAREHOUSE OWNERS HAVE TO GIVE AN UNDERTAKING G THAT THEY WONT ALLOW THE IMPORTER TO REMOVE GOODS WITHOUT SHOWING THE IMPORT DUTY PAID RECEIPT

5. THESE WAREHOUSES ENCOURAGE RE-EXPORT OF GOODS.6. .

6. THEY ALSO PROVIDE VALUE ADDED SERVICES LIKE PACKAGING LABELING ETC.

QUESTIONS FROM MARKETING MANAGEMENT

1.what is price?
amount paid to obtain a product is called price.
2.Name the product whose purchase requires much efforts?
shopping products.
3.100 grams of extra material of one kg is an example of the techniques of "promotion Mix' name the technique.

Quantity gifts

4."Automobiles Ltd. offered to sell their new bike at about rs.4000less than the usual price." is an example of one of the example of the techniques of "promotion Mix' name the technique.

Rebate

5."Introduction of 50%+40%less by the KOUTONS is the example of which sale promotion technique?

discount

6.Is Advertising a "dialogue"?

No , advertising is not a "dialogue but is a "monologue".

7.What is meant by product?

Anything that can be of value to the buyer can be termed as a product.

8.Give any two advantages of branding to the marketer.

(i) It helps in advertising in easier way .

(ii)It establishes the permanent identity of the product.

9"Goods are not bought but they have to be sold." Name the marketing philosophy to which this statement is related.

Selling concept

10.Which concept of marketing suggests that the organization should earn profit through consumer satisfaction and social welfare?

Societal Concept

11."They don't sell what they can make, but they make what they can sell." Name the marketing concept.

Marketing concept

12.Name the concept of physical distribution related with storing products in order to create time utility.

Warehousing

13Which type of channel of distribution should be used for convenience goods?

Indirect channel

14.Name the function performed by middlemen involving conversion of homogeneous products into smaller lots.

Allocation

15.Identify the type of channels of distribution should be used in case the buyers are dispersed over a large geographical area?

Indirect channels

sss

financial

Questions from microeconomics- Introduction (Unit1)

1.What is economics all about?
2.What is microeconomics?
3.What is subject matter of economics?
4.Why does economic problem arise?
5.Distinguish between microeconomics and macroeconomics.

6.Can two production possibility curves intersect each other? explain.

7.Why is ppc is also called the transformation curve?

8.A lot of peopel die and many factories are destroyed because of severe earthquqke in a country. how it would affect the country's ppc?

9.What is opportunity cost? Illustarte with the help of an example.

10.Define law of increasing marginal opportunity cost with the help of schedule.

11.Why do technological advancement or growth of resources shift the PPC to the right.

12.Explain the problem of" For whom to produce "with the help of an example.

Draw a production possibility curve. and show the following situations-

(i)Full employment of resources (ii)under utilization of resources

13.What is opportunity cost.

14Explain the central problem how to produce.

15Explain the problem of efficiency of resources.

Questions from business finance

1.Enumerate the objectives of financial planning.
2what is required to take the uncertainty in respect of availability and timing of funds?Name the concept involved and explain any three points of its importance.
(financial planning)
3.Identify the decision taken in financial management which affects the liquidity as well as the profiability of business.(short term investment decision)
4.Are the shareholders of company likely to gain with a debt comoponent in the capital employed? Explain with the help of an example.
5.How does "trading on equity " increses the return on equity shares?explain with an example.
6.Determination of capital stucture of a company is influnced by a number of factors.Explain any five such factor.

concept based questions on Business finance

.'S' Ltd. is manufacturing steel at its plant in India. It is enjoying a buoyant demand for its product as economic growth is about 7%-8% and the demand for steel is growing. it is planning to set a new steel plant to cash on the increasing demand it is facing. It will require about Rs. 5000crores to set up and about Rs. 500 crores of working capital to start the new plant.
Based on above case study here is a list of questions -
Q.What is the objective of financial management in this company?
(objective of financial management- wealth maximisation, profit maximisation, meeting financial commitment, efficient utilization of resources.)
Q.What are factors, which will affect capital structure of this company?
Q.What factors will affect the fixed capital of this company?
Q What factors will affect working capital of 's' ltd?
___________________________________________________________________________
Q. "Primary objective of financial management is to maximize shareholders wealth." Discuss.
Q."Length of production cycle affects the working capital requirement of an organisation" explain how?
Q.State why the working capital needs for a 'service industry' are different from that of a 'manufacturing industry'(CBSE2008)
Ans-service industry needs less working capital as they don't need any inventory , manufacturing overhead and usually no processing is required. whereas all these are needed in manufacturing industry.
Q.Delta cables earned a net profit of rs.50 crores. Atul, finance manager of Delta ltd wants to decide how to appropriate these profits. which financial decision will help him in deciding it?
Ans- Dividend decision.
Q. The size of assets, the profitability and competitiveness are affected by which decision?
Ans- Capital budgeting Decision.(Investment Decision)
Q.What is cost of raising funds called?
Ans- Floatation cost.
Q. Identify the decision taken in financial management related to acquire a new & modern plant to upgrade an old one.
Ans- Investment Decision
Q. A company wants to establish new machinery of worth Rs. 20 lake . Identify the type of decision involved in financial management?
investment decision

Concept based questions on Financial Markets

QMr. Harbans, Director of Naunidh Tyres Ltd. a newly established company wants to get listed his company's share in any of the natonal level stok exchange .
Suppose you are a Financial advisor, suggest him name of stock Exchange for his purpose. Also give the features of such stock exchage.
Q.What are the methods of flotations in primary market?
Q. "Money Market is essentialy a marketfor short term funds" discuss.
Q."In today's commercial world, the stock exchange performs many functions." Do you agree? give reasons in support of your answer.
Q."Stock markets impart liquidity to investments." comment.
Q. 'SEBI is the watch dog of the securities market.' comment.
Q. " Stock market is the barometer of a country's economic health." discuss.
Q.The Director of a newly established company having equity capital of 2.5 crores, desires to get its shares traded at an all India level stock exchange. As Finance manager of the company , suggest the name of the stock exchange for the purpose . give any three reasons to support your
answer.
Ans- OTCEI
Q.The Director of a company want to mordanise its plant and machinary by making a public issue of shares. They wish to apporch stock exchange, while the Finance manager prefers to approach a consaltants for the new public issue of shares . Advice the directors whether to approach stock exchange or a consultant for new public issue of shares and why? also advice different methods which the company mat adopt for the new public issue.

concept based questions on money market

Q.name the market for short term funds.
Ans-Money market.
Q.What is maturity period for Treasury bills?
Ans-Less than one year.
Q.Name the bearer document issued by a bank against deposit kept by the companies and institutions for a short period of time?
Ans- Certificate of deposit.
Q. Which method of short term finance do the banks adopt to maintain their CRR?
Ans- Call Money.

Money Market And Its Instruments
Q. What is Money Market?
Ans-Money market is a market in which short term funds having tenure of less than one year are borrowed and lent. It constitutes a major source of working capital finance.key words

( KEY WORDS TO REMEMBER-" short term " u can also remember it as "Short term memory loss")
Q. "Nature of Money Market can be explained with the help of its features." state any three such features of money market.
OR
Outline the features of the Money Market.
Ans-(KEY WORDS TO REMEMBER-"DIIL PAR FOCUS" where D- Duration, I- instrument,I-Investment outlay,L-Liquidity,PAR- Participants, and last one is focus)
The features of money market are as follows-

1. Duration-Money market deals with the short term instruments which have duration up to one year.
2. Instruments-Instruments like commercial papers, certificate of deposit, Treasury bills,Trade bills etc .are bought and sold in money market.
3. Investment outlay- money market requires huge investment outlays on the part of its participants.
4. Liquidity-money market instruments have high liquidity because these instruments are shorter duration and have ready market provided by discount finance house of India.
5. Participants- participants of money market are big financial institutions like RBI, commercial banks, Financial institutions, finance companies etc.
6. Focus-It focuses on meeting short term financial needs. money markets are major source of working capital

Q.Name the Instruments of Money Market.

Ans- (KEY WORDS TO REMEMBER-(2T3C) Where 2T means , T- Treasury Bill,T-Trade Bill, 3C- means ,C- commercial paper, C-Certificate of Deposit, C- Call money )

Treasury bill – A treasury bill is basically an instrument of short term borrowing by the government of India maturing in less than one year. They are also known as zero coupon bonds issued by the reserve bank of India on behalf of the central government to meet its short term requirement of funds. These bills are issued in the form of promissory note. They are highly liquid and have assured yield and negligible risk of default. They are issued at a price which is lower than their face value and repaid at par.

Trade Bill- a trade bill is a bill of exchange used to finance the working capital requirements of business firms. It is a short term negotiable instrument which is used to finance the credit sales of firms. These have short term maturity period generally 90 days and can be discounted with bank even before the maturity period.

Commercial papers-it is a short term unsecured promissory note , negotiable and transferable by endorsement and delivery with a fixed maturity period it is issued by a large and creditworthy companies to raise short term funds at a lower rates of interest than market rates. It usually has a maturity period of 15 days to one year. The issuance of commercial paper is an alternative to bank borrowing for large companies that are generally considered to be financially strong. It is sold at discount and redeemed at par.

Call money- call money is short term finance repayable on with a maturity period of one day to fifteen days, used for inter-bank transactions. Commercial banks have to maintain a minimum cash balance known as cash reserve ratio. call money is a method by which banks borrow from each other to be able to maintain the CRR. The interest rate paid on call money loans is known as the call rate. It is highly volatile rate that varies from day to day and sometimes even from hour to hour.
Certificate of deposit-these are a kind of fixed deposit or time deposit which can be issued by banks only. They are unsecured , negotiable, short term instrument in bearer form. Certificate of deposits can be issued to individuals, corporations and companies with a fixed maturity period which varies from 3 months to 12 months.
POSSIBLE QUESTIONS OUT OF TOPIC

Q.Who can issue "certificate of Deposit"?

ans- It can be issued by commercial banks and developmental institutions.

Q.Name the two types of promissory notes traded in money market?

ans- Treasury bills and Trade bills.

Q. what is the duration for which money market instruments are issued?

ans- for less than one year.

Q. Which instrument is used by banks to maintain its cash reserve ratio?

ans- call money.

Q. What is call rate?

Q.Explain the term "certificate of Deposit".

Q. what are the features of a commercial paper?

ans- main features are-

# it is unseured promissory note and issued by credit worthy firms.

#It is issued for a period of 3 months to 12 months.

#It satisfies the working capital needs of the firms.

Q. Explain the term liquidity?

Q. what are commercial papers?

Q. Name the instruments of money market.