Thursday, June 09, 2011

Nokia N78 Call signal Trace: Does this meet standard?

This is a signal trace which uses the same tool as used in my earlier post for measuring signal strength. The set is a Nokia N78 and the measurement was carried out at Kalyani Motors, Banargetta Road with GSM Mode of operation with operator being Bharti Airtel. The call was made from a landline with call being picked up with the Nokia N78 handset.

See the violet colur line and the average power measurement of the radiated signal from the handset. The average is 24dBm or 250mW over the 1 minute duration of the call. The green line below shows the input signal strength which is an average -77dBm. So an hours call can cause a lot of harm.

Also like the recent articles coming in the media it may be a good option to take the call in loudspeaker mode ad avoid it keeping it near the ear.

Measuring mobile signal strength



I got hold of an App for Nokia Symbian called Nokia Energy Profiler, which gives a wealth of information on the power consumed and expected time at the the present rate of power consumption before which you may need to get another recharge.

I used it for another purpose to measure the signal strength of my operator. The test environment was my home at J P Nagar 7th Phase and the operator is Bharti Airtel. As the levels were different in different rooms ranging from -35dBm (Open Balcony), -47 dBm (bedroom with one wall away from open) to -51 dBm (Living room enclosed in all sides by rooms) for 2G. This was done over a 1 minute average. This is done at a height of 3-4 ft from my house which itself is 40 ft above ground level. Sadly i cannot see the tower on to which i am connected though i have enabled the cell info "on".

I also did a drive test from my office to JP Nagar 7th Phase in a car traveling at less that 40 Kmph. This was done with UMTS/ 3G Mode of operation. The screenshot shows the result between 4 min to 18 min of travel from J P Nagar 3rd Phase along the outer ring road and on the 24th main road/brigade millennium road before reaching J P Nagar 7th Phase.

Sunday, June 05, 2011

Indane gas booking IVRS process

Finally one can book Indane gas through telephone call to Telephone No 8970024365.

Friday, December 17, 2010

Getting Hypothecation Revoked

I went through a process of getting Hypothecation revoked from my RC in Bangalore. It turned out to be a long process to find the right process (mostly because i thought i will do it myself). The process is as follows:

1. You can download Form 35 from this site.
2. Get this filled in duplicate from the bank to which your vehicle was hypothecated.
3. Also they have to give a covering letter which mentions all the dues are cleared.
4. You have to take a copy of emission and insurance certificate.
5. Submit all of this at RTO (which can cost you Rs 100-150) or go through an agent if you do not want to go through the hassle.(to whom i paid 450)

The RTO is so crammed that my first there made it clear that it is better to go through an agent even though it was more than 60% cheaper to do it directly.

Saturday, November 20, 2010

BSNL 3G review on Nokia N78

BSNL caught me by surprise when i loaded the BSNL SIM (which i was using in another mobile) onto N78. It was showing that it is connected on 3G. So i just tried browsing, then it told me that i am using a wrong access point and that if u need the new access point i need to send an SMS as NOKIA N78 to 58355. The SMS came after few minutes. I got a configuration message and accepted the same. I am on BSNL 3G now. Cool to see BSNL becoming so easy to operate. Then i tried doing youtube using 3G.

As soon as i connected my youtube application it was showing some 3.5G and started seeing Apollo in Moon Video. It was a very good experience with no buffering issues which i used to see in case of WiFi (over BSNL DSL connection) for the same video. Full marks for BSNL. I had consumed 2.4 Mb and it charged me Rs 2/-. looks neat for a prepaid connection.

I tried to speedtest.net but sadly N78 does not support java and flash to run the speedtest. From a QoE perspective 10/10.

Friday, September 10, 2010

215BM and 500BM Bus timing


Other Volvo or Vajra services being operated by BMTC, Bangalore timings can be found at Vajra site.

Tuesday, September 07, 2010

Review of Bangalore Taxi

I am a regular user of taxi to get to the nearest boarding point to reach airport. I have been using the cellcabs (080-60609090) to do it for now more than an year. I am seeing a perceptible drop in quality recently. I used their service as they had a database of the user location and i need to say from my home to so and so location. They used to send an SMS well in advance giving the details of the driver. They also used to provide printed bills and only drawback was payment with cash.

Recently, for last 2-3 trips i am not getting the advance SMS and last min i have to call them and find out an alternate cab. Alternate cab driver mostly do not pick up calls and then u are in a hurry to find an alternate means of transportation. I heard similar complaints from my friend as well. I hence would recommend people who are booking cellcabs to be doubly sure well in advance of the travel about the arrangement. Avoid using their service or keep a large buffer along with a last minute alternate option. Also u cannot book merucabs or other service as they have a 1 hr notice period to book.

Hope you do not have to go through last minute pain through this advice.

Monday, August 09, 2010

Monitoring BSNL Dataone Home 500C

One of the very useful addon to firefox for BSNL limited plan is Datafox. In case you are a BSNL broadband user do the following:
  • Install Datafox from this site
  • Once it is installed a graph like icon would come in the status bar
  • Click on it and key in the login and password and click the remember password option
  • Use the override option
  • From the pull down menu select the data.bsnl.in
Once you are logged in it will show the usage beside the graph icon. So use all the 1.5G of home 500C but never breach the threshold :)

Saturday, July 31, 2010

Tata Photon + in J P Nagar 7th Phase Bangalore

Review of Tata Photon + in J P Nagar 7th Phase Bangalore

Test: Speedtest.net from Colombo, Srilanka server (Recommended by Speedtest)
Avg Download Speed: 0.96 Mbps
Avg Upload speed: 0.25 Mbps
Ping time: 288ms

Test: Speedtest.net from San Francisco, CA, USA
Avg Download Speed: 0.86 Mbps
Avg Upload speed: 0.32 Mbps
Ping time: 369ms

Saturday, June 12, 2010

Applying Passport : What you should not do?

I went through a really long process of three months to get my passport reissued. To get passport follow the process verbatim as specified in the RPO website. Here i list some small set of steps which can help you a lot:

  • Check the police station in which your building falls: This was my basic mistake. I wrote the nearest police station to my home but actually it was some other station. If it goes to the wrong station, it is sent back to commissioner office before reaching your actual station. this is a long and tedious process which may not happen automatically. this can delay the whole process my a month or two.
  • Check in the police station with 2-3 days of submitting your application: The application is sent very soon. so check with your police station about the application so that you can speed up the process if it has gone to a wrong police station.
  • In case it is commissioner's office, you can go there between 3-5 PM with a copy of the passport receipt and a written letter and submit it. They will inform you where the Police Verification (PV) file is.
  • See the site regularly and keep track of status. In case it is going slow then you can convert it into a tatkal. For this you have to go and get application from the RPO (this is in koramangala in case of Bangalore). If you go early better. It is open from 9.30 to 12.30 and usually has a long queue.
  • If it is dispatched it reaches your post office in a day or two. So check with the local postman. If you do not collect the passport in 7 days it is sent back to the RPO.
  • And lastly, if you need it urgently just apply for tatkal as the normal process does not happen in less than 2-3 months though the passport office claim they do it in one month.
  • Also if possible do not change the address, then no police verification is needed. this is the most time consuming operation.
Last week the process is now outsourced to TCS in Bangalore. So may be the above learning may not be relevant now. Hope no one have to suffer so much to get the passport reissued.

TVS King review

Recently a new auto rickshaw got launched in the otherwise boring segment. This auto TVS King seems to be a 200cc vehicle but in ground seems to be really powerful with respect to the old bajaj. It is quite comfortable while travelling with the seat solidly fixed onto the pedestal. Shock absorber may be slightly better than the old Bajaj ones. And what really bowled me off was that it covered my travel from palakkad railway station to my home in same time as the car travel. So may be if u get a choice, try going for a TVS auto. Hope over time the drivers in this vehicle also become less arrogant compared to the present auto drivers in Bangalore.

Thursday, February 18, 2010

Intercom from BSNL

I had taken an intercom from BSNL with is integrated to the apartment EPBX in Brigade Millennium. When they shifted it everything was working fine with no issues seen in broadband or the land line connectivity. One needed to press "0" to connect to local call. The STD by default got blocked. To enable it I needed to set a password for access. The procedure for which is as follows:

  1. Press 123 xxxx xxxx (where xxxx is your password)
  2. Press 124 xxxx 0 to open the STD facility
  3. Press 124 xxxx 1 to close the STD facility
I also tried a new facility for informing BSNL of landline fault. One were to send LLF to 56xxxx (I forgot!!). This works perfectly well.

Wednesday, December 16, 2009

BIAS-5 and BIAS-12 timing at Jayanagar




Timing for volvo vayu vajra in route no 5 and 12 from jayanagar bus stand (as photographed from the stop)


Wednesday, October 28, 2009

LG AMC for Refrigerator

The defrost unit in my fridge failed and i got it replaced. The lower part of the fridge was not getting cold even if we keep at the highest level. The region around the door was getting hot as well.

During this time i got an AMC for my Double door Intellocool LG Refrigerator. It seems this unit is failing so often for most of the users of this range of Refrigerator based on the comments i saw googling the Internet. I paid Rs 1900+ for this AMC and is valid for three year and does not cover some aspect. Read the backside of the bill before you sign up. The replacement of unit atleast worked in my case.

Saturday, September 05, 2009

This is a incomplete list of IP address owner's in India

203.94.192.0 - 203.94.219.255 MTNL
203.98.96.0 - 203.98.127.255 Ortel communication
58.68.0.0 - 58.68.127.255 Dishnet Wireless Ltd India
58.146.96.0 - 58.146.96.255 Sainet
59.88.0.0 - 59.99.255.255 BSNLNET (NIB (National Internet Backbone))
59.144.0.0 - 59.144.255.255 BHARTI Airtel LTD.
59.160.0.0 -59.165.255.255 TATA Communications formerly VSNL is Leading ISP
59.176.0.0 - 59.185.255.255 MTNL CAT B ISP

Other IP address allocated to India till date:

60.243.0.0 60.243.255.255
60.254.0.0 60.254.127.255
61.0.0.0 61.3.255.255
61.8.128.0 61.8.159.255
61.11.0.0 61.11.127.255
61.12.0.0 61.12.127.255
61.14.4.0 61.14.6.63
61.14.6.128 61.14.6.255
61.14.12.0 61.14.12.7
61.14.14.64 61.14.14.255
61.14.15.32 61.14.15.63
61.14.18.0 61.14.18.127
61.14.18.200 61.14.18.207
61.14.20.128 61.14.20.255
61.14.22.56 61.14.22.63
61.14.24.128 61.14.24.255
61.14.31.64 61.14.31.127
61.14.31.192 61.14.31.255
61.16.128.0 61.17.255.255
61.95.128.0 61.95.255.255
61.246.0.0 61.246.255.255
61.247.224.0 61.247.255.255
63.80.47.0 63.80.47.255
63.109.245.56 63.109.245.71
63.109.245.80 63.109.245.119
63.109.246.128 63.109.246.255
63.109.249.24 63.109.249.39
63.109.249.48 63.109.249.63
63.171.107.224 63.171.107.255
63.175.182.160 63.175.182.191
63.219.7.0 63.219.7.255
63.240.55.0 63.240.55.255
64.14.52.32 64.14.52.63
64.14.202.0 64.14.202.15
64.35.33.64 64.35.33.95
64.37.64.0 64.37.64.31
64.37.68.128 64.37.68.159
64.37.82.128 64.37.82.159
64.37.88.224 64.37.88.255
64.37.91.128 64.37.91.191
64.37.91.224 64.37.91.255
64.37.93.64 64.37.93.127
64.37.94.96 64.37.94.127
64.37.102.0 64.37.102.63
64.37.108.64 64.37.108.95
64.37.111.0 64.37.111.255
64.37.112.224 64.37.112.255
64.41.252.0 64.41.252.63
64.74.118.0 64.74.118.255
64.77.15.176 64.77.15.191
64.77.29.248 64.77.29.255
64.77.37.24 64.77.37.31
64.77.37.224 64.77.37.247
64.77.39.112 64.77.39.119
64.77.39.128 64.77.39.135
64.77.47.64 64.77.47.95
64.89.42.112 64.89.42.127
64.93.78.0 64.93.78.255
64.106.157.50 64.106.157.59
64.106.200.60 64.106.200.69
64.132.162.192 64.132.162.207
64.225.143.240 64.225.143.254
64.235.47.153 64.235.47.161
64.241.203.32 64.241.203.47
65.98.67.72 65.98.67.79
65.98.88.168 65.98.88.175
65.160.142.128 65.160.142.255
65.175.64.0 65.175.64.255
65.175.77.128 65.175.77.143
65.175.97.128 65.175.97.255
65.175.124.0 65.175.124.127
65.182.162.60 65.182.162.99
65.182.162.221 65.182.162.251
66.35.192.32 66.35.192.47
66.70.20.10 66.70.20.19
66.96.212.2 66.96.212.99
66.96.222.2 66.96.222.14
66.96.231.170 66.96.231.199
66.96.244.145 66.96.244.154
66.96.250.120 66.96.250.139
66.128.48.112 66.128.48.127
66.165.85.128 66.165.85.255
66.165.106.0 66.165.106.31
66.197.167.80 66.197.167.199
66.197.173.50 66.197.173.99
66.197.173.215 66.197.173.254
66.201.66.192 66.201.66.255
66.201.94.0 66.201.94.31
66.201.109.128 66.201.109.255
67.59.182.248 67.59.182.255
67.203.0.192 67.203.0.199
67.219.103.40 67.219.103.47
67.222.149.206 67.222.149.213
67.225.181.155 67.225.181.158
67.225.181.171 67.225.181.178
69.13.105.42 69.13.105.57
69.16.156.0 69.16.156.7
69.16.233.114 69.16.233.121
69.30.254.56 69.30.254.71
69.46.182.160 69.46.182.167
69.67.59.64 69.67.59.95
69.72.142.216 69.72.142.223
69.72.214.240 69.72.214.247
69.72.242.8 69.72.242.15
69.72.242.152 69.72.242.159
69.72.244.88 69.72.244.95
70.224.176.208 70.224.176.223
72.29.0.0 72.29.0.31
72.29.1.224 72.29.1.255
72.29.13.0 72.29.13.255
72.29.17.192 72.29.17.223
72.29.21.128 72.29.21.255
72.29.23.128 72.29.23.159
72.29.23.224 72.29.23.255
72.29.26.0 72.29.26.255
72.29.27.192 72.29.27.223
72.172.83.128 72.172.83.143
74.127.39.0 74.127.39.127
74.127.42.32 74.127.42.63
74.127.60.32 74.127.60.63
76.12.129.144 76.12.129.151
76.12.217.104 76.12.217.111
76.12.248.128 76.12.248.143
78.24.201.208 78.24.201.223
78.24.202.104 78.24.202.111
78.24.203.104 78.24.203.111
78.24.206.104 78.24.206.111
78.129.161.0 78.129.161.255
80.247.138.16 80.247.138.71
80.254.160.16 80.254.160.23
80.255.41.128 80.255.41.135
83.136.5.32 83.136.5.63
87.249.83.0 87.249.83.255
89.248.163.0 89.248.163.31
92.48.109.0 92.48.109.160
92.48.109.163 92.48.109.167
92.48.109.172 92.48.109.255
93.93.100.0 93.93.100.63
94.46.8.224 94.46.8.254
110.5.72.0 110.5.79.255
110.50.32.0 110.50.63.255
110.76.160.0 110.76.175.255
110.93.32.0 110.93.63.255
110.172.16.0 110.172.31.255
110.172.52.0 110.172.55.255
110.172.128.0 110.172.191.255
110.224.0.0 110.227.255.255
110.234.0.0 110.235.255.255
111.90.168.0 111.90.175.255
111.91.0.0 111.91.127.255
111.91.224.0 111.91.231.255
111.92.0.0 111.92.127.255
111.93.0.0 111.93.255.255
111.119.192.0 111.119.255.255
111.125.136.0 111.125.143.255
111.125.192.0 111.125.255.255
112.79.0.0 112.79.255.255
112.110.0.0 112.110.255.255
112.121.48.0 112.121.63.255
112.133.192.0 112.133.255.255
112.137.48.0 112.137.55.255
112.196.0.0 112.196.191.255
113.11.224.0 113.11.231.255
113.19.0.0 113.19.255.255
113.30.128.0 113.30.255.255
113.193.0.0 113.193.255.255
113.197.104.0 113.197.107.255
113.212.64.0 113.212.95.255
114.30.72.0 114.30.79.255
114.31.128.0 114.31.191.255
114.31.224.0 114.31.239.255
114.31.248.0 114.31.255.255
114.69.224.0 114.69.255.255
114.141.64.0 114.141.71.255
114.142.136.0 114.142.143.255
114.143.0.0 114.143.255.255
115.69.80.0 115.69.95.255
115.69.128.0 115.69.159.255
115.69.240.0 115.69.255.255
115.96.0.0 115.99.255.255
115.108.0.0 115.119.255.255
115.124.104.0 115.124.109.255
115.124.112.0 115.124.127.255
115.160.192.0 115.160.255.255
115.178.96.0 115.178.103.255
115.184.0.0 115.185.255.255
115.187.0.0 115.187.15.255
115.187.32.0 115.187.63.255
115.240.0.0 115.255.255.255
116.50.0.0 116.50.7.255
116.50.64.0 116.50.127.255
116.66.140.0 116.66.141.255
116.66.144.0 116.66.159.255
116.68.64.0 116.68.127.255
116.68.240.0 116.68.247.255
116.72.0.0 116.75.255.255
116.90.240.0 116.90.255.255
116.119.0.0 116.119.255.255
116.193.128.0 116.193.143.255
116.193.160.0 116.193.167.255
116.199.168.0 116.199.175.255
116.212.176.0 116.212.183.255
116.214.24.0 116.214.31.255
116.214.114.0 116.214.114.255
117.55.240.0 117.55.247.255
117.96.0.0 117.99.255.255
117.104.232.0 117.104.239.255
117.192.0.0 117.255.255.255
118.67.224.0 118.67.255.255
118.88.0.0 118.88.7.255
118.91.176.0 118.91.191.255
118.91.232.0 118.91.239.255
118.94.0.0 118.95.255.255
118.102.128.0 118.102.255.255
119.31.160.0 119.31.175.255
119.42.152.0 119.42.159.255
119.43.0.0 119.43.255.255
119.82.64.0 119.82.127.255
119.151.0.0 119.151.255.255
119.160.192.0 119.160.199.255
119.226.0.0 119.227.255.255
119.235.48.0 119.235.63.255
119.252.144.0 119.252.159.255
119.252.192.0 119.252.223.255
120.29.232.0 120.29.239.255
120.56.0.0 120.63.255.255
120.72.88.0 120.72.95.255
120.88.32.0 120.88.47.255
120.89.72.0 120.89.79.255
120.138.96.0 120.138.127.255
120.138.192.0 120.138.255.255
121.50.0.0 121.50.15.255
121.58.168.0 121.58.175.255
121.101.144.0 121.101.159.255
121.240.0.0 121.247.255.255
122.50.128.0 122.50.255.255
122.98.0.0 122.98.255.255
122.144.16.0 122.144.23.255
122.160.0.0 122.191.255.255
122.200.16.0 122.200.23.255
122.248.160.0 122.248.160.87
122.252.224.0 122.252.255.255
122.255.72.0 122.255.79.255
123.50.160.0 123.50.191.255
123.100.234.0 123.100.234.255
123.108.32.0 123.108.63.255
123.108.200.0 123.108.207.255
123.108.224.0 123.108.231.255
123.136.16.0 123.136.23.255
123.136.128.0 123.136.255.255
123.176.32.0 123.176.47.255
123.201.0.0 123.201.255.255
123.236.0.0 123.239.255.255
123.242.240.0 123.242.255.255
123.252.128.0 123.252.255.255
123.255.248.0 123.255.255.255
124.4.0.0 124.4.255.255
124.7.0.0 124.7.255.255
124.30.0.0 124.30.255.255
124.47.128.0 124.47.191.255
124.123.0.0 124.125.255.255
124.153.64.0 124.153.127.255
124.247.192.0 124.247.255.255
124.253.0.0 124.253.255.255
125.16.0.0 125.23.255.255
125.62.96.0 125.62.223.255
125.63.64.0 125.63.127.255
125.99.0.0 125.99.255.255
125.252.226.0 125.252.226.255
134.159.98.192 134.159.98.223
134.159.111.72 134.159.111.79
134.159.141.0 134.159.141.15
134.159.142.160 134.159.142.191
134.159.146.0 134.159.146.31
134.159.146.48 134.159.146.63
134.159.165.80 134.159.165.95
134.159.165.104 134.159.165.119
134.159.168.128 134.159.168.255
144.16.0.0 144.16.255.255
157.227.0.0 157.227.255.255
158.144.0.0 158.144.255.255
163.122.0.0 163.122.255.255
164.100.0.0 164.100.255.255
164.164.0.0 164.164.255.255
180.87.192.0 180.87.255.255
180.92.160.0 180.92.175.255
180.92.200.0 180.92.207.255
192.109.194.0 192.109.194.255
192.131.90.0 192.131.91.255
192.136.141.0 192.136.143.255
192.151.129.0 192.151.129.255
194.117.103.3 194.117.103.3
194.117.103.5 194.117.103.5
194.117.103.9 194.117.103.9
194.117.103.47 194.117.103.47
194.117.103.65 194.117.103.65
194.117.103.81 194.117.103.81
194.117.103.88 194.117.103.88
194.117.103.94 194.117.103.94
194.117.103.121 194.117.103.121
194.117.103.130 194.117.103.130
194.117.103.133 194.117.103.133
194.117.103.142 194.117.103.142
194.117.103.147 194.117.103.147
194.117.103.169 194.117.103.169
194.117.103.172 194.117.103.172
194.117.103.180 194.117.103.180
194.117.103.212 194.117.103.212
194.117.103.220 194.117.103.220
194.117.103.222 194.117.103.222
194.117.103.231 194.117.103.231
194.117.103.236 194.117.103.238
194.117.103.243 194.117.103.243
194.117.103.245 194.117.103.246
194.117.103.248 194.117.103.250
195.112.167.28 195.112.167.31
195.112.167.192 195.112.167.195
195.112.167.236 195.112.167.239
195.112.167.248 195.112.167.251
195.112.177.8 195.112.177.11
195.112.177.24 195.112.177.27
195.112.177.56 195.112.177.75
195.112.177.92 195.112.177.95
195.112.177.108 195.112.177.111
195.112.177.132 195.112.177.135
195.112.177.184 195.112.177.187
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219.90.96.0 219.90.111.255
219.91.128.0 219.91.255.255
220.156.184.0 220.156.191.255
220.224.0.0 220.227.255.255
221.120.104.0 221.120.111.255
221.128.128.0 221.128.255.255
221.134.0.0 221.135.255.255

Sunday, August 09, 2009

online fixed deposit

Long ago, i remember standing in front of the bank manager to get a Fixed deposit (FD) made. Now with Internet banking you could do this online. But it seems different banks follow different processes:

ICICI Bank
You can start online and the FD receipt is mailed to you. Though u have option to terminate and deposit back the money to savings account, it always renew it.

SBI Bank
You can start it as explained here. But after this you have to go to the corresponding branch to collect the FD receipt. Still it is better as now you can go any day and collect it in few minutes as every other process is done. It is also automatically renewed.

Wednesday, July 29, 2009

Which option is good in mutual fund?

In India, we get three options for mutual fund: Growth (where once you buy your investment grows or drops till u decide to sell), Dividend (Regular/irregular money is paid as dividend as a percentage of the face value), Dividend reinvestment option (The dividend so released is reinvested).

Now i have done quite a lot of study on which one is better and i have picked the Dividend option. Let me argue it out in the next few paragraphs. This is valid only for equity mutual fund and not logical for the income/debt mutual fund.

Let us assume that i decide to invest Rs 5000 on a NFO or an existing mutual fund and assuming the face value or the present value is 100 i get 50 shares of mutual fund. The dividend scheme gave 50% dividend in the first year itself as the market was really good. Now i decide to sell after 2 years and take out 3500 due to some unforeseen scenario (Effectively delaying is non-negotiable) and that the market had tanked and my mutual fund return on this day went down by 25% from the face value at which i bought. So let us see how the three different scheme perform:

  • Option 1 (Growth): End of two year i get 75 per share or my investment is Rs 3500/-. I sell all my shares and get back my 3500.
  • Option 2 (Dividend): After the dividend my MF value is 50/- (as 50 was given in first year) in dividend option. I have 2500 as dividend tax free. It gets 5% interest from bank (after catering to Income Tax) and after one year it is 2500+125= 2625/-. On second year, as in growth option my value tanks by 25%. SO it is now Rs 37.5. I have already 2625 in bank. so i need the to sell 24 shares to get the remaining 900/-. So i am still left with 975 rupees (in my mutual fund even after meeting my exigencies) which again can go up.
  • Option 3 (Dividend reinvestment option): The 50 i got in dividend is reinvested at 50 per share. so i get additional 48 shares (taking care of entry load of 2.25%). so in total i have 98 shares @ Rs 50 in year 1. Now in Year 2 when i sell as i mentioned earlier market tanked by 25% and share value is 37.5. so to get 3500 for my exigencies i sell 94 shares which is worth 3525/-. So now i have 4 shares with value 150. So advantage over option 1 is i made 175 (25 in cash and 150 worth stock which can go up in future)
Assuming the probability that your exigencies fall during the same time when market tank is a higly correlated event, you can now see why a dividend investment is best. If things were good all three options are equally good with an edge for dividend option as now you do not have any capital gain!!

So till rules of the game change, i will bet on dividend option for Equity.

Saturday, July 18, 2009

Rating Airlines in India

This is as per my rating with the airlines having flown at least 5+ in each of these flights. I intend to review it as and when i get time. And strangely Indigo charts quite high with their great on time service. They have the unique way to fill up the aircraft well ahead of the boarding time. So never have any delay and are on dot with respect to their time commitments.

The overall rating of mine is highly biased towards ontime!! And sadly now i find the lack of table creation in Blogger a serious drawback.

Sunday, July 12, 2009

Chicken pox and local/allopathy medicines

Recently i was down with Chicken pox. I sepnd some time going through the web on some good blog on it. But could not find any. So i thought will write one when i am cured.

Chicken pox was confirmed by my doctor on seeing dew drop shaped blister in stomach and back area. There seems to be many variations of it like Herpes.

Medicine:

I had Acyclovir-200mg 3 times a day (anti-viral has good effect if u start having it as soon as u see the first blisters), Paracetomol (in case i had fever, i never used it as i never got fever), Citrizine (For reducing itching 1 1/2 per day), Amoxicillin (To prevent secondary infection). Check with you doctor for the right medication.

Food:
  • Avoid spicy food completely as higher chilli, spices and other exothermic food as it makes the body hot.This can causes more blisters to come both within and outside the body
  • Have lot of fruits and vegetables
  • Lemon is good and can be used as a replacement for salt in salads.
  • Have curd. For lunch, rice + curd + salads will be a good combination.
  • Take lot of tender coconut water as it is good to build your immune system.
  • Take complete rest and avoid reading and any strainful exercise which heats up the body
Observations
  • Cool your body under fan as the area which locally gets hot will cause the blisters to erupt. Ensure that no area gets hot even when you sleep.
  • You can sleep with neem leaves spread on the cot as it allows to keep the body part facing the cot cool.
  • Do not break the blisters as it will cause more time to cure.
Bath
  • Avoid bathing till the blisters dries off which will take 8-12 days (with Acyclovir!!)
  • When you bath avoid soap and bath in warm water with neem leaves added to it.
  • For few days after the attack bath without soap and use neem leaves.

Tuesday, April 28, 2009

Bigger organisation bound to fail

Nature from its million year history has taught us one important concept. Being bigger need not mean sure survival. I am a great believer of natural selection and if we believe that Humans were "preferred" over dinosaur then nature selects smarter organization over bigger organization. Now if you have tracked the working of a company this is a clear dilemma faced daily by any organization. If i have to grow year after year how do i do it?

The usual process is to enter newer domains, invest in more fields and then naturally the solution for growing/improving your capacity is growing bigger. But nature has taught us that it is a wrong approach. So what is the solution? Partnership.

No one human can do all the diverse work in the world today simultaneously but may be can do all task individually. Then we are good at some thing we concentrate on that and cooperate with others to get all my other tasks done. The more i cooperate the more i grow. May be organizations have to put in place the same philosophy. If i need to grow enter new domain but then you need not do everything in that new domain, get a partner who is really good in that field and see with your own innate skills how can you add value to that partnership and use it grow your organization.

For example, if i am an organization too good to sell soaps through a good sales and distribution channel and now if you have to grow your revenue all you have to do is that get a low cost producer of a shampoo product line who is good at "producing" shampoo but not at distributing it.. Now you have a good distribution channel which does sell soap and majority of the same set of customer also uses shampoo.. and this partnership is a clear winner.. you combined two processes and then you now have an efficient model allowing both the companies to grow.. Why is this better than i making a new division by recruiting the best guys who can make shampoo? I now need zero investment in R&D and then i can leverage the cost advantage of my partner who already has some volumes before the partnership.. I get a great time to market advantage.. The shampoo partner should be good in his field as he has more experience than me in shampoo making..

And is this model a creation of my whims and fancy.. you see organisation which patrnered working far more sucessfully than the one which grew monolithically.. you see jitters in big organisations like GM, Citi than in the newer companies which leverages the partnership models.. Hope this recession kill the dinosaur and restart the era of Humans in business models and organizations..