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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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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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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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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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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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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