बिल गेट्स के 12 फंडे, जिन्हें अपनाकर वो बन गए अरबपति

फोर्ब्स लिस्ट में माइक्रोसॉफ्ट के पूर्व सीईओ और चेयरमैन बिल गेट्स को पहला स्थान मिला है।गेट्स 79.2 अरब डालर की नेटवर्थ के साथ दुनिया के सबसे अमीर व्यक्ति बन गए हैं। पिछले 21 साल में यह 16वीं बार है जब सॉफ्टवेयर दिग्गज इस लिस्ट में अव्वल रहे हैं। इस सूची में गेट्स के बाद मैक्सिको के कालरेस स्लिम हेलु दूसरे और चर्चित अमेरिकी निवेशक वॉरेन बफे तीसरे स्थान पर हैं।

आज हम आपको माइक्रोसॉफ्ट के ही पूर्व सीईओ और चेयरमैन बिल गेट्स के 12 फंडों के बारे में बताने जा रहे हैं, जिन्हें अपना कर वह अरबपति बन गए।

तीन शब्दों में बिग गेट्स को समझें

बिल गेट्स ने अपने जीवन में कुछ उसूल बनाए और इन्हीं उसूलों ने उन्हें दुनिया के टॉप दौलतमंदों में शुमार कर दिया। माइक्रोसॉफ्ट के सह-संस्थापक बिल गेट्स को ज़ज्बा, तीव्रता और दृढ़ता जैसे तीन शब्दों से समझा जा सकता है। गेट्स चाहते थे कि सिस्टम ऐसा बनाया जाए जो अहम हो और लोगों को उनसे जुड़ने के लिए प्रेरित करे। उन्हें बेहतर तरीके से समझने के लिए ये सबक मददगार रहेंगे...

सबक-1: दुनिया को बदल डालो या घर पर बैठो

इससे समझ में आता है कि वे कैसे अपना जीवन निर्वहन करते हैं। दुनिया को और बेहतर बनाने के लिए काम करो। भले ही वह एक वर्जन, प्लेटफॉर्म, सिस्टम, आइडिया, रीज़न या इनोवेशन हो, इसे करना ही चाहिए। वे यह जानते हैं कि अपने प्रभाव को और प्रभावी तरह से कैसे इस्तेमाल करना है।

सबक-2: रास्ता बनाते चलो

हमेशा आपके लिए कोई रास्ता तैयार नहीं रहेगा। आपको कुछ तो करना ही होगा। कभी लोगों को यह भी लगेगा कि आप सनकी हैं। कई बार आपके कदम मंजिल के पास हो सकते हैं। गेट्स का मानना रहा है कि पर्सनल कम्प्यूटर हर टेबल, हर घर और हर लिविंग रुम में होना चाहिए। यह हमारे काम के तरीकों को बदल देगा।

सबक -3: अपना असर पैदा करो

वे प्रभाव के अनुसार ही अपना चयन करते रहे हैं। भले ही वह जज्बे की बात हो या किसी काम में लगने की। वे अपना प्रभाव जमा कर रहते हैं। कोई काम वे कर सकते हैं, सिर्फ इसीलिए काम नहीं करते हैं। वे इसलिए काम करते हैं, क्योंकि वह अहम है और वह इसे नए मुकाम पर ले जा सकते हैं।

सबक-4: मानवता का सबसे बड़ा लाभ समान धरातल पर रहने का है

बिल गेट्स का स्पष्ट मानना है कि जो भी लोग हैं, सब समान हैं। मदद उनकी की जानी चाहिए, जो खुद की मदद नहीं कर पाते हैं। सभी को जीवन में अवसर पाने का हक है, इसमें आ रहे अवरोधों को दूर करना चाहिए।

सबक-5: तत्काल जो जरूरी है उसे समझें

इस पर गौर करना चाहिए। दुनिया तेजी से बदल रही है। बाजार बदल चुके हैं। उनका मानना है कि सॉफ्टवेयर के व्यवसाय में जब तक आप कुछ समझ पाते हैं, तब तक देर हो चुकी होती है और आप संकट में घिर जाते हैं। तब खुद को बचा पाना मुश्किल हो जाता है। यदि पहले से चिंता नहीं करेंगे तो भागते ही रहेंगे।

सबक- 6: बाज़ार में हमेशा सही चीजें नहीं चलती हैं

बाजार के अनुसार वैज्ञानिक, कम्युनिकेटर्स, विचारक और मनीषी नहीं चलते हैं। इसके लिए सरकार को सही हालात बनाने होते हैं। केवल इन बातों पर ध्यान देकर और बुद्धिमान लोगों को जोड़कर वह प्रगति कर सकते हैं, जो हम चाहते हैं।

सबक-7: अपने आदर्शों के साथ जीवन बिताओ

जब भी दुनिया को आभास होगा कि आप क्या हैं, आप नजरों में आएंगे और इन्हीं मूल्यों के कारण लोग आपकी ओर आकर्षित हो सकेंगे। माइक्रोसॉफ्ट में बिल गेट्स ने ही लोगों को आकर्षित किया। जज्बा दुनिया को बदलने का था। इनके साथ जुड़ने वालों ने टेक्नोलॉजी और इनोवेशन से जीवन को बेहतर बनाया।

सबक-8: अच्छा काम सही लोगों के साथ रहने से और बेहतर हो सकता है

बिल गेट्स ने ऐसा कल्चर बनाया कि बेहतर और साफ चरित्र वाले लोग जुड़ते रहे। आसपास अच्छे लोग थे, इसलिए वह ऊपर उठ सके।

सबक-9: हर तरह के व्यवसाय में इनोवेशन दिल और आत्मा होता है

खेल में आगे रहने के लिए या फिर खेल में बने रहने के लिए आपको इनोवेशन जारी रखने पड़ेंगे। अपने प्रोडक्ट में इनोवेशन करें। प्रोसेस, मार्केट आदि सभी में इसे लागू करें। बिल गेट्स हमेशा इनोवेशन को अपने प्रभाव को कायम करने के लिए इस्तेमाल करते रहे हैं।

सबक-10: ऐसा मंच बने, जहां लोग आगे बढ़ सकें

किसी चीज़ को बनाने में अपनी भूमिका देखें और जानें कि आप क्या बेहतर कर सकते हैं।

सबक-11: हमेशा नया सिस्टम बनाने की सोचें

छोटे और बड़े स्तर पर सिस्टम बनाएं। इसमें इनपुट और आउटपुट दोनों होते हैं। आप तब बहुत प्रभावी हो जाते हैं, जब आपको पता लगता है कि कोई सिस्टम है, जो काम कर रहा है।

सबक-12: एक्शन लेना बेहद जरूरी

किसी चीज़ की धुन को कैसे अमल में लाएं, इसके लिए जरूरी है एक्शन लें। विचार कई लोगों के पास होते हैं, सही अंतर अमल में लाने का होता है।

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बनिए स्‍मार्ट इंवेस्‍टर, 1000 रुपए लगाकर मिल सकता है 25 फीसदी तक रिटर्न

नई दिल्‍ली। कमाई के लिए सबसे जरूरी है कि आपका इंवेस्टमेंट सही हो। इसके लिए आपको स्मार्ट इंवेस्टर बनने की जरूरत है। ऐसे में आपको हजार-दो हजार रुपए का निवेश भी लंबी अवधि में 20 से 25 फीसदी तक का रिटर्न दिला सकता है। अच्छे रिटर्न के लिए आपको तीन स्टेप्स अपनाने होंगे।

पहला- निवेश के ऐसे विकल्‍प चुनिए जिन पर चक्रवृद्धि का ब्‍याज मिलता हो। अगर ब्‍याज मासिक या तिमाही जुड़ता हो आप ज्‍यादा रिटर्न प्राप्‍त कर सकेंगे।

दूसरा- नियमित रूप से उस विकल्‍प में निवेश करें।

तीसरा- लंबी अवधि यानी दस साल या उससे अधिक समय तक निवेश जारी रखें।

ऐसे मिलेगा लाभ

पब्लिक प्रोविडेंट फंड (पीपीएफ), रैकरिंग डिपॉजिट, म्‍यूचुअल फंडों में सिस्‍टमेटिक इंवेस्‍टमेंट प्‍लान में निवेश के कुछ विकल्‍प आपको चक्रवृद्धि यानी कंपाउंडिग का लाभ देते हैं। पब्लिक प्रोविडेंट फंड में ब्‍याज सालाना जुड़ता है जबकि, पोस्‍ट ऑफिस के रैकरिंग डिपॉजिट पर मिलने वाला ब्‍याज तिमाही जुड़ता है। म्‍यूचुअल फंडों में अगर आप सिस्‍टमेटिक इंवेस्‍टमेंट प्‍लान के जरिए प्रति माह निवेश करते हैं तो प्राप्‍त रिटर्न प्रत्‍येक महीने मूलधन में जुड़कर रिटर्न मिलता है। इस तरह आप सामान्‍य बैंक डिपॉजिट या सेविंग स्‍कीम की तुलना में अधिक रिटर्न प्राप्‍त करते हैं। यह ताकत कंपाउंडिंग या चक्रवृद्धि की है।

उदाहरण के जरिए समझिए

मान लीजिए आप चक्रवृद्धि वाले किसी विकल्‍प में प्रति माह 2,000 रुपए का निवेश करते हैं। इस निवेश पर आपको सालाना आठ फीसदी ब्‍याज मिलता है। अगर आप अपना निवेश 25 साल तक जारी रखते हैं तो आप कुल मिला कर छह लाख रुपए का निवेश करते हैं। लेकिन, 25 साल बाद आपको चक्रवृद्धि के लाभ की वजह से 20 लाख रुपए प्राप्‍त होंगे।

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Modi Government Pushes For Greater Restrictions On The Internet In India

This week, the Indian government spelled out its reasons for placing higher restrictions on the Internet as compared to television or print medium, and pushed for the retention of the Section 66A of Information Technology Act, which it has itself termed "draconian".

"There are institutions which are working in other media whether it is paper, television or cinema. There is an institutional approach and there are checks like pre-censorship for TV and films. But in internet there is individual approach and there is no checks and balances or license," Additional Solicitor General Tushar Mehta told the Supreme Court on Wednesday, TOI reported.

"Considering the reach and impact of medium, leeway be given to legislature to frame rules. On internet every individual is a director, producer and broadcaster and a person can send offensive material to millions of people at a same time in nanosecond just with a click of button," Mehta said.

The Supreme Court is hearing petitions challenging the constitutional validity of Section 66A on the ground that it violates the fundamental right to freedom of speech and expression under Article 21. These petitions were filed after the arrest of two Maharashtra girls for making comments on Facebook about the shutdown of Mumbai for the funeral of Shiv Sena chief Bal Thackeray in November 2012.

Section 66A prescribes three years in prison for "sending offensive messages" and "any information that is grossly offensive or has a menacing characters." This section has often been critiqued as vague and vulnerable to abuse. But the government argued that it is a necessary deterrent.

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Microsoft updates Windows Defender to remove Superfish adware

Microsoft has updated its Windows Defender to remove the Superfish adware which reportedly made Lenovo users susceptible to attacks.

According to the Verge, researchers are reporting that Windows Defender, Microsoft's onboard anti-virus software, is now actively removing the Superfish software that came pre-installed on many Lenovo computers. Windows Defender will also carry the task of resetting any SSL certificates that were bypassed by Superfish, and restore the system to proper working order.

Researchers recently discovered that Lenovo's Superfish bug could easily give way to attackers looking to breach the systems using the security flaws opened up by the software. Superfish is present on Lenovo laptops sold between September 2014 and January 2015, although Lenovo says no Thinkpads were shipped with the software, the report said.

Researchers have reportedly found and published a password that can turn a security flaw into an active carrier of attack. Errata Security's Robert David Graham said in a post that the password was stored in the Superfish software's active memory and was trivial to extract, the report added. 

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HCL Technologies

HCL Technologies , India's fourth largest software services firm, on Wednesday posted a better-than-expected 33 per cent rise in net profit for Jan-March, boosting its shares nearly 10 per cent to their highest in more than a decade.

The company reported a net profit of about Rs 4.68 billion in Jan-March, while revenue rose 31.5 per cent to Rs 41.38 billion.

Profit was expected to rise 25 per cent to Rs 4.3 billion, according to a Reuters poll of 17 analysts. Revenue was seen at Rs 40.79 billion.

Shares of the company, which the market values at $7.34 billion, rose as much as 9.8 per cent to a 11-year high of Rs 522.35, in a Mumbai market that was up 0.77 per cent. The BSE IT index was up 1.6 per cent.

At 10:15 a.m, the stock was at 7.95 per cent at Rs 513.4. HCL's business outside Europe and the Americas grew as much as 81 per cent. All its service offerings also showed strong growth of 34-43 per cent.

Net employee addition -- a key parameter of the IT sector's health -- stood at 1,153 for the period, taking the total headcount to 73,420.

HCL also said it bought certain software assets from Citibank International Plc during Jan-March for $26 million, revenues from which are expected to come from the middle of its fourth quarter this year.

Through the deal, HCL is also taking over 41 employees from Citi and an "assured revenue stream" of $135 million spread over 10 years, HCL said in a statement.

Earlier this week, Infosys Technologies Ltd , the No.2 player in the Indian IT sector, sparked worries about the sector's growth after it forecast annual sales lower than expected on slower client spending.

A slew of brokerages downgraded the target price of the Infosys shares, citing concerns over its earnings and annual forecast that came in below expectations.

Jan-March is a seasonally weak quarter, as clients generally finalise their budgets for the next fiscal during this period, leading to a spurt in spending in the first two quarters of the upcoming fiscal year.

A slight depreciation of the rupee against the dollar, making up for a dip in utilisation rates, somewhat aided HCL's core operating (EBITDA) margins for the period, improving by about 1 per centage point from the December quarter to 17.3 per cent.

The rupee weakened about half a per centage point against the dollar during Jan-March.

Indian software companies, which get most of their earnings in foreign currency, hedge some of the risk, but with a chunk of their costs being in rupees, currency appreciation tends to squeeze margins.

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Corporate BlackBerry Users To Be Offered Cloud Services

BlackBerry maker Research In Motion Ltd. (RIMM, RIM.T) will give its corporate customers an opportunity to shift back-office management of email traffic and other BlackBerry services off-site, in a move that it says will save customers money, speed the rollout of BlackBerry services and enhance security at a time when more and more employees use smart phones for corporate and personal use.

The initiative comes as RIM readies the launch of its PlayBook tablet, a major product launch that will vault RIM into the tablet-computer market to compete against Apple Inc.'s (AAPL) iPad.

It also comes as RIM's corporate subscriber base faces an unprecedented attack from Apple's iPhone and iPad juggernauts, as well as a phalanx of smart phones that run on Google Inc.'s (GOOG) Android-operating system.

The move will be carried out in close conjunction with Microsoft Corp. (MSFT), which in October announced a major, so-called cloud-service initiative of its own, called Microsoft Office 365. As part of that initiative, companies that use Microsoft Exchange Server, which stores email, contact and calendar information, among other things, can move their Exchange servers to off-site data centers. The initiative is still in the testing phase but is expected to go live in a matter of months.

"We're embracing it in a big way, and we're going out jointly with Microsoft to all of our customers," said Jim Tobin, senior vice president of RIM's software and business services unit, in an interview.

The partnership with Microsoft involves formal cooperation on a go-to-market strategy, technology and business model, Mr. Tobin said.

Currently, most corporate BlackBerry customers maintain one or more BlackBerry Enterprise Servers on company premises. The servers allow a company's IT personnel to provision BlackBerrys, and manage an array of services and features, such as calendar and contact updates and video services, among other things.

Companies will now have the option to move this back-office infrastructure to off-site data centers and manage services remotely. RIM and Microsoft won't jointly manage off-site data centers, but Microsoft centers will connect "cloud to cloud" to RIM centers that house BlackBerry Enterprise Servers, Mr. Tobin said.

RIM's "cloud" initiative offers a number of advantages to customers, including "substantial" cost savings, as the cloud services will be less expensive than purchasing and maintaining BlackBerry Enterprise Servers, Mr. Tobin said. As well the cloud service offers increased efficiency, as back-office adjustments and changes that are currently handled in-house will be implemented at RIM's off-site data centers, he said.

Finally, the data centers will be optimally positioned to ensure devices are secure at a time when many people are using a single smart phone for work and personal use, Tobin said. "In our view, the best way to deliver protection is to aggregate security capabilities...into an area where we can provide rigorous security management," he said.

Mr. Tobin said he believes as many as 20%-25% of RIM's BlackBerry subscriber base will be using cloud services of one type or another by the end of the year. RIM, which reports its fiscal fourth-quarter results March 24, had more than 55 million subscribers at the end of its third quarter on Nov. 27.

Mr. Tobin said RIM has effectively been in the cloud-computing business for years, managing data centers around the globe that route millions of emails sent to and from the BlackBerry every day. This gives it an advantage versus its competitors, as does the Blackberry's reputation as the gold-standard for device security, he said.

[Source]

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Infosys Introduces Its New Brand Positioning

Infosys Technologies on Thursday introduced a new brand positioning and vision statement for itself, and said it's stepping into a whole new phase that it describes as Infosys 3.0.

The three-decade-old company said the world has changed in dramatic ways, particularly since the recession, which makes changes imperative. The changes are focused particularly on building its business transformation and innovation capabilities, and is clearly also an effort to compete more effectively with global peers like IBM and Accenture that have distinct advantages over Indian IT companies in these areas. For employees, it means developing their talents in these new directions to ensure progress in their careers.

Infosys COO S D Shibulal told TOI that the idea is to move from a technology solutions company to a business solutions company and proactively help customers build the enterprise of tomorrow. The brand positioning statement has accordingly changed from 'Win in the flat world' to 'Building tomorrow's enterprise'.

The earlier statement was meant to convey Infosys's ability to help customers overcome information challenges and quickly adapt to changes through technology in a globalizing world. The new statement is meant to underscore its ability to help customers identify the directions they should be taking in a world that's rapidly changing and use technology to deliver on those directions in a profitable manner.

Shibulal said that internally, the objective is to ensure that in the next 5-7 years, the company's revenues would come equally from business transformation projects, innovation projects and operational efficiency projects. The last of these is Infy's traditional business (using technology to improve efficiencies in portions of a customer's business) and accounts currently for as much as 65% of revenues. Business transformation deals account for about 25% of revenues and innovation/products business about 9.5%.

Shibulal, who is said to be in line to take over as CEO from Kris Gopalakrishnan later this year, described the company's first 20 years as Infosys 1.0, when it focused on developing and managing technology applications for customers and on building a global delivery model. In the following ten years, or Infosys 2.0, the company developed end-to-end service capabilities, systems integration capabilities, and added some consulting and innovation expertise.

"Now, in Infosys 3.0, we want to be at the intersection of the client's business and technology, and that of global trends, and use this knowledge and expertise to help them transform and move into new directions," he said.

Accordingly, the company is stepping up investments in developing expertise in what it sees as the most important global trends. These include what it calls 'digital consumer' (digital products permeating all aspects of life), 'new commerce' (mobile commerce leading to extremely small transactions), `healthcare economy' (healthcare becoming more preventive, affordable and inclusive), 'sustainable tomorrow' (doing things in an environmentally and socially sustainable way), `smarter organizations' (making organizations more adaptable, less complex), 'emerging economies' (global growth concentrated in these areas) and 'pervasive computing' (all devices becoming computing devices).

Big investments will also go into enhancing Infosys's innovation capabilities. The banking product Finacle has been an early success; more recently, there have been products like Flypp, an application platform that helps mobile operators to more easily monetize, and iEngage, a digital platform to engage consumers across the entire marketing lifecycle. The company now wants to do many more of those, as also co-create products with their customers. "As part of this, we have brought together all our software engineering and technology labs into one single, broad-based one that we now call Infosys Lab. We also have a new group looking at product incubation," Shibulal said.

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CORE Projects And Technologies Bags Rs 295-cr Education Deal; Stock Up

CORE Projects and Technologies Limited, a global education company has bagged a 295 crore outsourcing contract to incorporate technology in classrooms across Haryana.

At 10:20 am, shares of the company were trading 2.59% up at Rs 324.75 on the Bombay Stock Exchange .

The contract amongst the largest awarded by a state government requires the CORE Projects to train teachers on use of technology in classroom pedagogy.

"The government is now opening up huge opportunities in the education sector for private players," said Sanjeev Mansotra, CMD, CORE Projects and Technologies. Education spending was a big winner in this years budget. The amount of funding for education has been increased by 24% to 52,057 crore.

The Mumbai-based firm will install and maintain information and communications technology (ICT ) laboratories in 2622 government schools. These will cater to five million students spread over all the 21 districts of the State in next five years.

Besides computer aided learning and software to manage the schools, these technologies will also include child performance tracking system and biometric devices to capture teacher attendance. The government will also set up five smart schools. These will have more advanced technologies and based on its success, they will be replicated in other schools.

"While most of the large players have built their businesses around private schools, the market has developed multi-fold with the Central government's move to fund Sarva Shiksha Abhiyan (SSA) for ICT@Schools programme," says Bharat Parmar, partner at EduVisors an education sector advisory services firm.

"With the Haryana project Core's total contract in India will reach to 600 crore," said Mansotra, a first generation entrepreneur who founded the firm in 2003 and has till now derived nearly 80 % of revenues from overseas markets such as US, UK, Middle East and Africa.

This will change with about one third of its revenues coming from India in next few years. The company which started as a pure IT firm transformed itself into a global education player by acquiring around seven education companies in US and UK. It raised $150 million through foreign currency convertible bonds to make these acquisitions.

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Libyan Crisis Can Hurt Us, Says Infosys

The unrest in Libya could hurt Infosys a few quarters down the line because the crisis could cause oil prices to climb and thereby put discretionary spending on hold.

Speaking on this issue to Business Line, Mr Chandra Shekar Kakal, Senior Vice-President and Global Head, Enterprise Solutions, and Executive Council Member at Infosys Technologies said, “It is too early to say what impact it will have. But if the issue is not resolved soon, it could impact us two to three quarters down the line.”

His fears are shared internationally. This month, Fidelity Management & Research Co. said the ongoing developments in the region can affect the global financial markets in a variety of ways, particularly through their influence on crude oil prices.

The Libyan furore apart, Mr Kakal said that it was heartening to see that enterprises were so upbeat. “The uncertainty is over and transformation deals are continuing. Enterprises have started their discretionary spending. Ten to twelve quarters ago, we saw the recession. Two quarters ago we saw a pent-up surge in demand. Now, we have reached a steady state.”

He said consulting and packaged software accounted for around 26 per cent of Infosys' business and that the business has grown in the last three quarters.

“In fact, the enterprise business, which was established in 1999, has been steadily growing over the last decade. We have helped with customer transformation and have taken market share away from legacy players.”

New initiatives

Talking about new initiatives, Mr Kakal said that mobility was the new thing. Infosys has already delivered solutions to SAP and now wants to develop solutions revolving around smart phones and the iPad for enterprises.

“Three quarters from now, we should have more scenarios,” he said, and added that the Libyan crisis could not have any impact upon this because, oil crisis or no oil crisis, mobile computing is important for enterprises.

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