Too much be careful and beware is too bad

I see lot of mails and messages on be careful and beware but there is always a victim, sometime it will be the same person who wrote the article on beware and be careful. I think every incident has a situation and nobody can be completely prepared or planned for that, so why worrying instead start living and face the issues when it comes to you!

"JS"
"Good or Bad experience always makes us stronger, so why not face it"

Apple will not miss Jobs, but Jobs will miss Apple

Apple as a company will grow even without Jobs, because Jobs ideas are just seeds for this Apple Tree, which already grown vast, Hope no fools enter the board to cut this Apple Tree.

I love Apple and it's benefits, Long live Steve and Apple.

When is the lowest price of the stock to buy!

You decided to invest 1,00,000 into the stock Market nd short listed a company, now confused of when to buy. For people who are confused with lows or waiting for more lows and suddenly the stock price rise and buy in panic, the best thing for you is by 25,000 worth of stocks 4 times on every big dip in price, patience is value in stock market.

Please note: The above information is only for one who don't understand P/E and P/BV or don't care about P/E and P/BV

Drive to Yercaud (Hill Station) in Petra

Took a break after long time, this time testing the hills on Petra. The Destination is Yercaud in Tamil Nadu. The route taken is Bangalore - Hosur - Dharmapuri - Salem - Yercaud (220 km). Started on Saturday Morning 5:10 am took a 45 minutes break for breakfast at Salem and then Petra hit again on the beautiful highway. Every drive is different and this is one point better than Bangalore to Chennai. The horsepower and torque of Petra is tested again, reached a maximum speed of 130 km/hr.

The Hill road leading to Yercaud is wonder felt better than highway :). Here it is not the matter of speed but control. After reaching the top of the hill (Yercaud) at 09:45 am I forgot the driving pleasure, now am seeing a hidden heaven on earth.


Started hunt for rooms and finally got GRT, it was a wonder place to stay equally excited are my wife and kid. The above two pictures you see are from the Hotel room balcony. I would suggest this hotel for anyone who travels to Yercaud.

We did our regular site visit first went for boating and then went to various point of view like men seat, woman seat and pagoda point etc. Spectacular and breathtaking is the word for all the views. There were jack fruits piled up and sold everywhere, bought 3 of those :). The day ended what buffet dinner at the hotel.

Woke up on Sunday Morning at 6:30 maybe missed to wake up little more earlier to see the beauty outside. Took some photos and videos and neared the time of 10:00 the end of our stay we need to checkout, sad to leave but happy with memories in brain and sd card :).


The drive downhill was great like the drive uphill and had a great drive back again on the great highway reached home by 1:30 in Bangalore. The Horse is tested again with the raw power which is the best till now :). By the time i am blogging the brain is searching for next destination....may one who reads can share ideas...

Investing in NYSE

I sometimes felt why not born in America to invest in one of the matured Markets in the world, now it's not the case we can buy NYSE listed companies in India through ETF. I started today, you too can buy NASDAQ top 100 companies. Try something different and now is the time.

I love NASDAQ.

Going Debt Free

One of the best investment is going debt free, paying off all the debts or having no debts is one of the best Investment you can ever try. After all cutting liabilities is the first step to freedom and also first step to Investment.

I am debt free as on 30th June 2011, trust me it feels great. The best gift that you can give your family is going debt free. Try today it works!

Sometimes it is better to Cut the Goose which lays Golden Eggs

There is a old saying it is stupid to cut the goose which lays golden eggs, but sometimes it is better to cut the Goose with Golden egg.

Some of the unmovable assets like Flats given on rent are really a loss not gain, especially when the Flat has a running EMI (on Loan). Today's interest rates are so high and will go even further in days to come. Petrol now at 70+ how long will it take to reach 100?, in no time, so the RBI tightening will start. Simple Statistics

Income : Rent 10,000 x 12 = 1,20,000
Expense : EMI 17,000 x 12 = 2,04,000
Expense : Property Tax = 6,000
Fixed Annual Maintenance = 25,000
Unexpected expenses on house = unknown
Tax benefits 45,000
gain / loss : -70,000

Loss of 70,000 is bigger avoiding loss is good. Think again, so sometimes it's not worth to rent out, instead selling and investing in Stocks, MF's or most traditional will never recommend FD's make sense. The returns is better there, or worst case even putting in savings account is better.

Sometimes what we think as gains will be realized as loss if written on paper :). Sometimes it makes sense to sell losses and make gains by cutting loss.

Everyone cannot be Warren, but we can try to be one.

Love those Index's especially MSCI

Indexes like MSCI are great for stocks, they realize the potential of stocks at peak of their price 40x, which they never added when trading at 8x. Sometimes feel they are great for boosting your Portfolio!.

Don't pick the stocks just because MSCI picked it, because the price will peak the moment MSCI picked it, try to buy before MSCI or any others spots these great companies.

Buying Stocks = Buying Companies