Saturday, December 31, 2011

integral of (cos x)^3

integral of (cos x)^3

the (cosx)^3 is split into (cos²x )cosx

the cos²x is written as 1 - sin²x (using trigonometry formulae)

then the substitution t = sinx , dt=cosx dx is used

more explanation is given below


click here for integration formulae


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Tuesday, December 27, 2011

integral of cosx / [ 1- cos²x]

using 1- cos²x = sin²x

∫ { cosx / [ 1- cos²x] } dx = ∫ { cosx / [sin²x] } dx

= ∫ {1 / sin x} {cos x / sin x} dx

= ∫ cosec x cot x dx

= - cosec x + c


click here for integration formulae

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Wednesday, December 21, 2011

solving a quadratic equation by completing the square

solving a quadratic equation by completing the square

solve 2x² -4x -7 = 0

the equation can be written as

2x² -4x =7

dividing by 2 ( coefficient of x² )

x² - 2 x = (7/2)

note that coefficient of x is -2, take half of it that is -1, square that and add the square to both sides, use that to complete the square on the LHS

x² - 2 x + 1² = (7/2) + 1²

(x-1)1² = (9/2)

take square root

x -1 = ± ( 3 / √2 )

x = 1 ± ( 3 / √2 )


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Tuesday, December 20, 2011

question on normal distribution

if the mean mark is 75 with a sd of 8 marks, what should you score to be in the top 25% .


z = (x - 75) / 8 is the standard normal variate

we have to find k so that

P[X > k ] = 0.25

P[ z > (k-75)/8 ] = 0.25


refer standard normal tables (note that probability is given)

(k-75)/8 = 0.675 (approximately)

k = 80.4 marks approximately


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Thursday, December 8, 2011

buying tax saver elss mutual funds

It seems that the direct tax code implementation will only be from the next year onwards.
So the concept of income tax breaks for investments in elss mutual funds seems to be still good for this financial year.
I recently bought some units of hdfc tax saver and sbi magnum tax gain mutual funds.
I went to the cams outlet at pattom and gave a copy of the kyc acknowledgement along with the cheque and application form as it was a new folio for the hdfc mutual fund.

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Saturday, December 3, 2011

buying a sewing machine

My wife wanted to buy a sewing machine for some time. We went to look for a sewing machine at a shop near the palayam market. There were many types of lower cost machines ranging from small tabletop machines (running on electricity) costing around 3000 rupees to 4000 rupees and manual sewing machines starting from around 5200 rupees for usha sewing machines , meritt sewing machines , singer sewing machines and so on. There were also some electrical sewing machines costing around 7000 rupees to 8000 rupees with a mixer (mixie ) as free gift.

My wife wanted to buy a manually operated singer sewing machine. The shop keeper told us that some of the internal parts of that particular sewing machine could be easily accessed by the lay user. The singer sewing machine cost around Rs.5800 /-. We used an autorickshaw to take it from the shop. The sewing machine came with some spare bobbins, screw drivers, some lubrication oil, washers etc.

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Tuesday, November 29, 2011

live cd

In the earlier days, I was running windows 98. Sometime back, something happened to some sectors of the hard disk and the computer did not boot up into win 98. It was then I began to think about live cd distributions.
I had seen some cd's /dvd's which contained live distros of linux which were given away with computer magazines like chip.

But I could not locate those cd's when I needed them. There was a computer shop past which I walk on most days without paying that much attention. Then I noticed that , that particular shop specialised in open source software and advertised linunx distributions including live cds.

I asked them about the distributions. They recommended kubuntu and knoppix. I bought those two cds for around Rs.60/-. The kubuntu cd loaded up but could not be used since the computer that I was using had only a small amount of random access memory ( i guess). But the knoppix cd worked very well and could detect the internet connection by itself.mp3 music files could also be played and it had a nice image manipulation software called gimp and some nice office software for document editing called libre office.

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Friday, September 2, 2011

some integrals

A solution to the integral of sqrt(tan (x) ) is available at http://rbmix.com/math/sqrtan/sqrtan.php

A solution to the integral of ln(sin(x)) with limits 0 to pi/2 using properties of definite integrals is available at http://rbmix.com/problem/int/int.php

A solution of the integral of [e^(ax) ] *cos(bx) using the technique of integration by parts is available at http://rbmix.com/problem/bypart/bpt.php

A solution to the integral of sec³(x) using the method of integration by parts is available at http://rbmix.com/problem/i2/i2.php

In the last two problems , the question is taken as I and then integration by parts is applied, and then the original integral I is manipulated out of the resultant integral and then extracted.

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Monday, August 22, 2011

KYC know your client norms for mutual fund investment

I used to invest in mutual funds a few years back. I wanted to restart some of that. So when I was reading up on mutual funds I saw that KYC (know your client) norms had been implemented.

On the internet, the phone number and address of some places in trivandrum were given.
But then I thought about enquiring at CAMS (computer management service pvt ltd) office at Pattom.

The staff in the office said that they handle KYC verification there.

I was asked to fill a one page form, and provide self attested pan card copy and address proof (like driving licence, voter id etc).

I was given an acknowledgement .

On that cvlindia.com was given as the website to make inquiry about the kyc application.

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Tuesday, August 9, 2011

investing news for foreign investors in indian mutual funds

It seems that RBI is going to allow foreign individuals to invest directly upto 10 ? billion dollars in debt and equity schemes of mutual funds in india. They will have to satisfy the KYC (know your client) norms set by SEBI subject to other rules set by rbi and sebi from time to time.

The DP and domestic MF companies will take up the KYC of the foreign clients.


The question is if this will increase inflow of capital into indian mutual funds?
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Saturday, August 6, 2011

downgrading of the US credit rating

It seems that some credit rating agency has downgraded the credit rating of the US from AAA to AA+.
all the arguments over raising the debt ceiling the last week might very well be connected to this.
all the old tax cuts that should have expired soon seem set to continue and that might very well be another reason.
Also the us federal budget is running with a deficit of around 1.4 trillion.

What might be the future implications of this?

For one thing most of the stock markets around the world seem to in a sell off mood.

Will interest rates go up ?

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Friday, August 5, 2011

price inflation in india

Today I bought gingelly oil (nallenna) which cost about Rs. 80/- for half a litre.
Coconut oil (velichenna ) prices have also been soaring from about Rs. 75 /- a kilo (some months back) to close to Rs.120/- per kilo.
The sugar I bought today cost about Rs.35/- per kg.
The kayam powder cost about Rs.43 /- for 50 grams.
The price of vim drops (cleaning solution) has gone up to around 80 rupees from around 70 rupees some months back.
The price of cooking gas (lpg) has also gone up.
The minimum cost of bus tickets is going to be increased in kerala.

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Thursday, July 28, 2011

mean and variance of the geometric distribution

derivation of the mean and variance of the geometric distribution is given
in the following links

mean of the geometric distribution ---------mean of the geometric distribution

variance of the geometric distribution ---------------variance of the geometric distribution


The pdf used is f(x) = p q^(x-1) , x = 1,2,3,4,... where q=1-p

in finding E(X) we use the binomial series of (1-u) ^(-2)

for E(X^2) we manipulate it into E[X(X-1)] and then use the
binomial series for (1-u)^(-3)


mean = 1/p

variance = q/[p^2]


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Saturday, July 23, 2011

liquid helium

liquid helium at extremely low temperatures shows properties different from other normal liquids , like creeping out along the sides of the vessel, rising into a fountain and so on.




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Friday, July 22, 2011

reverse swing videos

some nice videos of reverse swing






Normal orthodox swing of the cricket ball happens when the ball is hard /new. Usually one side of the cricket ball is allowed to be roughened by normal wear and tear during play, and the other side of the cricket ball is usually made shiny by polishing on the trousers. This difference in roughness and the position of the seam is what seems to make the cricket ball swing. Usually the ball will swing towards the rougher side, so that for an outswinger, the rougher side will be on the side of the second or third slip fielders

When the ball has been in use for around 35 overs or more (depending on the conditions of the ground and the ability of the bowler) , the ball might swing towards the shiny side (hence the name reverse swing).


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a song about adding frations

A nice song about adding fractions set to the tune of mamma mia by abba




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Friday, July 8, 2011

organic pet food

Going green seems to be the buzz word these days. This is the case with the food used by humans in most of the developed countries. The trend seems to be catching up in the case of pet foods as well. But in a country like India , where a lot of people find it hard to have at least one good meal per day, all of this seems to be a bit over the top.

Now truly food for human consumption that is to be labelled as organic must be grown without the use of pesticides and must be processed without using any chemical processes. There are very good regulators in the USA which control these in the case of human food.

But as far as the pet food industry is concerned , the regulations are not so rigid.

If you observe some of the dog food, you might notice the bright colours and artificial flavours, additives, preservatives etc. Some of these may be harmful to the pets and might cause problems like itches / allergies on the skin or ever worse medical problems. Most of the pet food is made from waste meat leftover after high quality portion of the meat has been taken for human consumption. Some of the commercial pet food might contain damaged meat and waste grain that might be mouldy. In short the pet food industry might use most of the waste leftovers from the food used for human consumption.

So your best bet would be to find pet food that might be natural , and does not contain pesticides and fungicides. You could also source the grains that are organically grown for human consumption and then process it for use as pet food. If you truly love your pets, you will enjoy spending the time to process the food grains. But be careful and see if the vitamin and mineral requirements of your pet can be fulfilled by your pet food. Liver , rice , vegetables can make up a good mixture.

If you search around you might also see some certified types of pet food / dog food, or pet food made from all natural ingredients in some pet shops.

Also raw food which is uncooked might have higher quantity of proteins and minerals.
But be careful about feeding raw meat or stale food to pets as they might contain toxins harmful to the pets.

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Tuesday, July 5, 2011

limiting case of the binomial is poisson distribution

limiting case of the binomial is poisson distribution

If in a binomial distribution B(n ,p) , n is large and p is small and np is finite,then
the binomial distribution can be approximated using the Poisson distribution with mean =np.

The deriviation and proof is available at the following link
limiting case of the binomial distribution is poisson


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Tuesday, June 28, 2011

buying a car

Are you thinking of buying a new car ?
First think about the alternatives.
Is the public transport good and dependable. If so it is better to depend on it except when you are going out with your whole family.

Is a new car worth the money you spend on it? Think about the fuel consumption and mileage especially in these days of high fuel prices. Remember that the new car will lose a lot of its (resale) value the moment it is driven out of the company lot.

A new car may be dependable , but may be costly and you might be forced to pay out higher EMI if you are buying the car on a car loan, since the loan rates are going up with the high inflation . But if you look around in the second hand market, you might be able to make a good deal on a second hand vehicle, but be warned that you should do proper checking on the papers and quality of the vehicle by an expert before you sign on the dotted line.

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some alternatives to fast food

In Indian families in the cities , if both the father and mother are working parents, it is common to depend on hotel food or fast food or snacks from the bakery at least once or twice a week. Most of this type of food may be fatty and the soda (carbonated drinks) contain empty calories and lots of sugar (you will be surprised at the quantity of sugar that is listed on the contents of most carbonated drinks) . Drinking a lot of carbonated drinks without washing the teeth properly is an easy way to tooth decay and tooth ache.

Most parents seem to forget about the importance of fresh fruits and vegetables for the healthy growth of the human body. It is quite useful to stock up on the fresh fruits of the season which may provide a good snack for children.

Carrots, cucumbers etc and be sliced up and served as an alternative to oily snacks like chips.

You can use water or fresh juices or tender coconut water (karikkin vellam or elani) if available instead of carbonated beverages.

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Tuesday, June 7, 2011

interesting things

# Manhattan had about 2.3 million residents in 1910, but had only about 1.5 million in 2010.

# Whales have regional dialects and accents.

# There is no german word for small talk.

# Germany has mens day instead of fathers day.

# Nokia's first cellphone tooke six hours to charge and gave only one hour of talktime.

# A jellyfish consists of 98% water.

# Deodorant spray can be used to remove marks made bya permanent marker.




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Tuesday, May 31, 2011

some tips on windows

shaking a window in windows 7 minimises all other windows except the one that was shaken

win+1 to switch to first app on the task bar
win+2 ...

win+D to show desktop

win+m minimises all windows

win+ arrow keys to snap current window

win+shift +arrowkeys to shift to move the entire window to another monitor

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Thursday, May 26, 2011

investing

Most investors underperform the broad market. One of the reasons for this might be the mentality of following the herd, acting on rumours, thinking of timing the market and hence tending to buy high and sell low. Most people have very short memory and hence may repeat the same mistakes again .

Most people do not understand economics and cannot even read a company balance sheet. Even if a person understands economics, they might allow emotions to affect their investment strategy.

Sone people tend to do a lot of trading. This leads to increase in the brokerage charges which in turn leads to decrease in the returns.

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Saturday, May 21, 2011

cbse , board exam results

The results of the cbse exam for the 10th and 12th ( X and XII ) for 2011 are likely to be announced on 23rd may 2011

You can register at the cbse examination results website cbseresults.nic.in to get the exam results by email

results for the examinations of the state boards like kerala Higher secondary exam results , VHSE , Chattisgarh board high school results, rajasthan board examination results for senior secondary examinations, meghalaya board exam results for SSLC, HSSLC are available at results.gov.in .


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Friday, May 20, 2011

some investor terms

on financial newspapers and online financial news and talkshows on tv , you come across many terms which you might not understand. Some of the common examples are

EBITDA
definition of EBITDA is something like earnings before interest,tax, depreciation , amortization
It is a tool for investors to measure the cash flow / profitability of particularly large companies with significant debt.

WORKING CAPITAL
This is a measure of the liquidity available for the operations of the company and is usually used to measure the efficiency and financial health of the company

CAPEX
capex refers to capital expenditure / spending to create or acquire assets for future benefits.
Note that capex shampoo has nothing to do with capital expenditure. It is only a topical corticosteroid shampoo containing fluocinolone acetonide and used to treat inflammatory diseases of the scalp.


CURRENT RATIO
It is a ratio of current assets to current liabilities
This is a ratio that measures the company's ability to service its debts over a short term
Many people want to know the formulae for calculating current ratio and other ratios.


net income, free cash flow, operating income , operating earnings, operating profit are also used



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Saturday, May 14, 2011

some songs from the fifties

Usually the old people think that the music from their younger days is better than today's music. But some young people also fall in love with the so called golden oldies music. There are lots of oldies radio stations which cater to such people exclusively. You can find online versions of such stations also.

You can find lots of lists of oldies on the net. Some deal with the top twenty or so songs of each year in the past. Some peope will concentrate on year or decade wise lists like 50 's music, 70's music etc.
There are various genres like rock and roll, surf rock, doo wop, bubblegum pop, rockabilly etc.

Some examples are

Rock around the clock by bill haley and the comets

The ballad of davy crockett by bill hayes

Love letters in the sand by pat boone

dance with me , henry by georgia gibbs

wake up little susie by the everly brothers

tequila by the champs

the chipmunk song by the chipmunks

blueberry hill by fats domino

long tall sally by little richard

see you later aligator by bill haley and the comets

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Wednesday, May 11, 2011

coconut oil

coconut oil is obtained from coconuts. You first dehusk the coconuts. Then you cut the shell into two hemispherical pieces and let it dry in the sun. After one or two days of very good sunshine the fleshy part can be detatched from the shell (automatically or using a curved metal rod). Then you have to slice up the fleshy part into smaller pieces if you are using a small oil mill or you can use the whole hemispherical piece if you are using a big oil mill. Either way you have to dry it till almost all the water content is removed. This will take around 1 to 2 weeks depending on the heat in the sunshine. After that you take the resulting dried coconut flesh called copra to a mill where they will extract the coconut oil from it. The residue after removing the oil is called pinnakku ( coconut oil cake )and is used as cattle feed or manure.

Now in bigger oil mills there are other dryers for drying the coconut so that you do not have to depend on the sunshine.
In kerala coconut oil was used largely for cooking. Later on there was some sort of a movement against coconut oil relating it to cholestrol, fat etc, and palmolein also was popularised . Coconut oil is also used for rubbing into the hair and the whole body as some sort of moisturiser.
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Saturday, May 7, 2011

buying a second hand car from indus motors

We were looking to buy a second hand car after our our old ambassador car started developing problems with the brake and due to shortage of spare parts for the carburetor. An auto driver pointed out the true value outlet of maruti managed by indus motors.

We were planning to buy a second hand car around Rs.1.5 lakhs. There was a maruti 800 in the true value showroom which had run around 50000 km for that price.


But when we went to pay the advance amount of Rs.5000/- for that, we happened to see a maruti esteem with a petrol engine from 1997 that somebody had exchanged for a newer model the day before. Compared to the maruti 800 we were more happy with the maruti esteem since it was more spacious. It also was priced around Rs. 75000/-. Since the maruti esteem was an old model from 1997, it did not have the usual warranty and tune up that was available for second hand cars of later models.
The fuel efficiency of the maruti esteem was only about 8 km per litre which was comparable with our old ambassador. But it was much less than that of the maruti 800 reportedly closer to 13 km per litre or so.

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Friday, May 6, 2011

latest trends among youth

Most of the young people (yuva) are interested in youtube and facebook. Some people used to be interested in myspace especially among the americans.

Some of the young people are buying the latest mobile phones. Some of the models are like nokia n9000 , nokia e5 e63 , blackberry bold 9700 ,blackberry 8320 curve ,blackberry storm 9530,sony ericsson xperia x8,sony ericsson cedar, samsung galaxy s2, samsung shark s5350, samsung galaxy fit s5670, samsung corby pro, samsung c3010, apple iphone , . Some youngsters also use the sturdy nokia 3110 classic. I do not know where they the find the money for this.

Some of the young people are very much into western movies and tv programs. They fall in love with someone they see on the screen.

Some people watch so called reality shows like airtel super singer on tamil tv channel vijay tv, or even some of the western shows like Dancing with the stars, from which the american tv personality and model Kendra wilkinson was recently featured on.

Some people watch out for breaking news on film stars and read almost every magazine or website on films for gossip about film actors. They will collect photos of film actresses and paste them on their walls and books.

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Thursday, May 5, 2011

contessa classic

The contessa was launched around 1983 by hindustan motors (HM). When it came out it was a nice car with very good foreign car looks and plenty of room inside, when the other cars at the time had an indian look like the fiat and the ambassador. Some people may classify it as a muscle car. But it had some problems like low mileage, and some problems with the rear suspension. It was based on some phased out model of general motor.

In the beginning, it had bmc engine and later on there was isuzu engine in contessa classic ? was used.

You can buy a used contessa for pretty low price nowadays. Some people buy second hand used contessa cars and modify it a lot by fitting newer engine, power steering, bigger wheel discs etc.
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Wednesday, May 4, 2011

mississippi river

The Mississippi river is one of the largest in the americas. It is around 200 feet deep at one of its deepest places. It has a elevation of around 1450 feet above sea level at the source and fall off to sea level at the gulf of Mexico. Lots of barges carry a lot of freight along the river. Some of the stories by Mark Twain take place close to or on the mississippi river.

There are lots of places for enjoying family vacations on the mississippi river with lots of private boat tours and charter boats for river cruises or enjoy the great river road.

But now there has been a lot of flooding on the mississippi river. The flooding on the river might go up to record heights. There might be immediate evacuation on the banks.
Worries about flood have made the government to blast a levee in Missouri. This might have sent lots of flood water into farmlands in Missouri.

Flood waters seem to be rising near Memphis

Mississippi is a state in the USA and Jackson is the state capital

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Monday, May 2, 2011

landline phones cordless phones etc

The first telephone that we had in our home was the old landline phone from bsnl. It was a phone manufactured by bpl. It was a very simple phone, it did not have any bells and whistles.

Then after some time we applied for caller id facility. So we wanted a phone with clip facility and display. One of my father's friend told him about a simple display unit that can be connected to the existing landline. It was far less costly than a new phone with clip display. It worked for around two weeks before there was some fault in the display with some digits not getting displayed properly.

Then we bought a phone by with display and clip facility. It had a pretty majestic look and had a lot of lights on the number getting dialled and hadset. But here also the display started to have complaints within around 8 months. But the rest of the phone worked very well for a long long time.

Afterwards we bought a phone from beetel. Here also the display was pretty good. But there was some sort of screeching noise in the handset after around a year.

At that time we saw that some of the popular cordless phones had become cheaper. We also read some reviews on cordless telephones. Then we bought a cordless phone by voxtel which seemed to be the best cordless phone. This was costlier than the earlier corded ones. But it has been working pretty well for more than one year. The only problem is that the phone connection will not work if there is no current supply, since the base station is connected to the mains and does not have any battery backup. We had also bought a cordless phone made by bpl. But it had some problem with the battery since the battery would not last very long even after a full charge on its cradle.

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Saturday, April 30, 2011

insurance problems

Today I came to know that just having a medical insurance policy in india was not enough. You also had to inform the insurance company very very soon after hospitalisation for the claim to be valid and submit proper documents within something like 48 hours after discharge from the hospital.

Many people do not read through the small print when they buy insurance policies and do not compare different options like premiums , benefits , features before they sign on the dotted line. So they face a lot of problems when they make a claim or try to change policies/companies midway, because they may not be aware of penalties and problems with lapsed policies.

There are some websites which sell insurance policies online for health insurance, travel insurance, baggage loss, vehicle insurance etc at unmatched cheap rates instantly without paperwork and without hassles. Some websites also offer pure life cover term insurance. Some also offer 24 X 7 support claims. Some also entice you with offers for your child and getting a lumpsum amount taxfree in your old age.
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Friday, April 29, 2011

mobile operators

The first cell phone connection that I took was a prepaid connection from Idea mobile (formerly bpl mobile) from the birla group. That was because most of my students(from IT field) were having idea connection, even though airtel was the most popular network at that time.

That connection was mainly for my father's usage when he had to go to the hospital for treatment for diabetic related problems.

Then after some time, my brother took a connection from airtel. He was just going through the various options and set up caller tunes. He just used it for 1 month and realised that it was a waste of money and then cancelled it off by calling the customer service centre.

The idea connection was put to a lot of use for std calls by me for calling my fiancee. There were some nice schemes like std call of 3 minutes for one rupee or so for 1 month etc.

When we travel to Tamil nadu (roaming) the idea connection usually shifts to aircel network. There are some parts of the highway, where there is no connectivity .

Then after some time my brother took a bsnl connection and a cell phone with the capacity to handle dual simcards. He would charge it with a special recharge which would give him a lot of free calls on the bsnl network.

I also took up a bsnl prepaid connection based on the pyari jodi plan which gives me free calls to my landline number. The network coverage also seems to be better than idea network while roaming.

I usually go for recharge with full talktime via the flexi route . Some ladies do not like this because they have to leave their cell phone numbers at the shop. Idea had a nice recharge coupon at Rs. 125/- which gives full talktime.

Recently I took up a virgin mobile connection which gave an offer of 25 ps per call(per minute) even for std calls. There seems to be some tieup with tata docomo.


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axis bank formerly uti bank

In the old days only PSU banks like SBI, SBT, Indian Bank, Canara Bank were common in Kerala. There were some other banks like Federal bank also.I and membeers of our family used SBI bank. But when UTI bank and other non PSU banks started opening branches, we would watch that with bemusement.

We wanted to send some subscription for an online game. When we enquired at SBI, the older generation staff was not sure of the options/method for sending the subscription. That was when we went round searching for the facilities in other non PSU banks.

UTI bank was renamed as Axis bank.

When I went to open a savings bank account in Axis Bank, the staff was very courteous and told us about the documents required to open the account. This was very different from the indifferent and unwelcoming attitude of the staff in a Catholic Syrian bank branch, where I had gone with a friend who wanted to open an account there.

After the application form etc were submitted with the required documents, the account was opened within a very short time. The debit card and password /pin etc arrived by speed post / courier within a few days.

The minimum balance for the SB(sbeazy) was Rs.5000/-

Later on I started a fixed deposit also with quarterly interest payment. I was able to do the whole work online, and the bank sent the reciept for the fd by post to me.
The bank pays the interest quarterly according to the financial year quarter, while SBI pays the interest quarterly, a quarter year from the day of deposit.

The website is at axisbank.com .
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Thursday, April 28, 2011

student loans in india

Most parents in kerala want their children to take up engineering or medical studies once they are past their 12th or atleast go for some nursing course.

In the era of self financing institutions the fee for such courses could be very high.

Most middle class parents would not have the financial resources for this. Then they think of taking out educational loans for their kids. In the old days education loans were not very student friendly. But now some things seem to have changed.

For studies in india, a bank would usually give upto around 4 lakhs to 7 lakhs.
Some banks finance only upto 75% to 90% of the total amount needed for the course especially for studies abroad in foreign countries and the student may have to make up the remaining portion from his own pocket. Sometimes the loan is given jointly in the name of the student and the parent. Some consultancy services have also sprung up claiming to provide personalised advice and guidance.

Most banks require
admission letter detailing the fee etc from the institute where the student is going to study and the usual documents which are required for taking a loan.

In the case of students going to private nursing colleges in the neighbouring states like Tamil Nadu or Karnataka, some banks are not eager to give the loan facility due to non-uniformity in the fee structure and some other problems.

Usually the repayment of the loan would begin around 1 year from completion of the course according to proper schedule or 6 months after getting a job whichever is earlier.The EMI on a 4 lakh loan would be somewhere around Rs.8000/- to 10,000/- per month , but would change according to the interest rates contracted upon.

The end result would be that, if the student is weak in his studies or falls into bad company, he would not be able to complete the course and he would be left with arrear papers, and his parents would have to repay the loan or the student may have to take up the first job that comes up and most of his salary would be spent in repaying the loan, because the interest rate on student loans is quite interesting!! to say the least.

There have also been instances when some student allegedly committed suicide because of not being able to raise a loan to continue with their professional courses.

Wednesday, April 27, 2011

hindustan motor's ambassador

In the old days (around 1970's) the common cars in india were hindustan motor's ambassador, fiats and premier padminis. My father bought a second hand ambassador car around1977. It served him very well for more than 30 years till his demise.

It was a really spacious car. It ran on petrol with an SU carburettor. With proper tuning by an experienced mechanic you could make the engine real silent and you could get mileages of something like 8 to 10 km per litre in the city. It could go upto around 110 km per hr. You could run down to 15 to 20 km/hr in the fourth gear without having to change to 3rd or 2nd, which was pretty useful for city driving.

It had good ground clearance and the suspension was pretty good and suitable for the potholes on the typical kerala road.

One of the main problems was rust, if the mudguards or undercarriage or running board was not properly painted and given periodic washing, especially since the rains in kerala used to leave the roads all muddy.

Even though many people converted their petrol cars to diesel or LPG in the 90's, my father seemed to like the petrol engine and did not change to diesel or LPG. He overhauled the engine a couple of times, when the pulling power declined.

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Monday, April 25, 2011

blue chip stocks

Blue chip stocks

Almost everyone who is remotely interested in investing in the stock market must have seen a list of examples of so called best or top blue chip stocks.

The price volatility of so called blue chip stocks which are recommended for long term portfolios are assumed to be lower than other stocks. But some of the so called blue chips like Maruti Suzuki, Infosys technologies etc have crashed by 10% or even more recently.

The PE (price to earning) ratios of
so called blue chip stocks are usually much more higher than other stocks. So any hint of slow growth in earnings, or any negative news on the management front seem to send these stocks (or for that matter any stock) into a tailspin.

The dividend yield of some of these so called blue chip stocks like bharti airtel are also very very low. Some time back, the stock had fallen a lot when per second billing was introduced, and also when it was acquiring Zain in Africa.

It is quite interesting to see the dividend yield of some of the so called best blue chip stocks.

Another stock like NTPC has fallen off a lot following the FPO offering.

Some of the stocks like ONGC have shown a lot of zig zag motion with news of the FPO offering.

Some stocks like SBI etc have started to go back after a big fall during the time when rates were going up with high inflation though it is not clear if the upmove can be sustained.







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