Krishnan's Blog

So far we have taken a medical insurance, opened two R.D accounts ( one for next year's medical insurance and another one to get a life insurance next year ) and of course realized our mistake. Now its time to pay for all the mistakes already done, that is clearing all the debts ( card balances & other loans ). The first step is to know what is the balance amount that needs to be paid in all the cards. In my case I found out which card had the lowest balance payable and which card had the highest balance payable. I also found out that in which cards where free. I took one such free card and went to a shop I know and swiped the card for the required amount and took the money from him. I then paid back all the balances in the card which had less balances. I then converted this new balance into EMIs. Then I did similar rotations and converted all my balances into EMIs. This way I will not be charged any useless fees and can also pay back my card balances easily. The loans are also...

One big mistake that we all can avoid are some unnecessary expenses. Let's take my pwn case as an example. I recently had a Sony ericsson k660i cell phone ( Rs10,000/- ). That cell phone was not even a year old. I have a bad habit of taking my cell phone with me inside the washroom. Suddenly one day the cell phone fell inside the toilet seat and it was done. I had to buy a new cell phone, there was no other go. That month we had some excess cash and hence I got my hands on a new cell phone. I bought a Nokia 7210 supernova ( Rs5400/- ). So my entire expense within one year for the same purpose was Rs15400/-, which on invested would have been a useful asset. A lot of people do the same mistake. Though this is a very small post but could explain a lot. Lesson: Avoid purchasing things which you do not need. Think twice before buying something.

" I was browsing the internet and there were lots of blogs which told about investment and how to achieve financial freedom, but they did not tell anything about the baby steps that we need to take in the beginning. "  This was the email that my cousin sent me one day. He was also interested in becoming rich and investing his money and having good control over it. He also wanted to take some insurances but felt that he cannot pay some huge amounts ( Rs6000/- ) as a one time payment. A valid point indeed. A lot of us feel the pinch if we need to pay the medical insurance or any other insurance as a full one time payment. Taking Rs6000/- out of monthly budget is going to cripple our finances of that month. I myself felt the pinch when I renewed my medical insurance this year.  Here comes something called a Recurring deposit account aka a R.D account . This is an account in which we can pay any amount ( min Rs100/- ) on a monthly basis for any number of years...

" Medical insurance " is an insurance, in which the person who purchases the insurance is covered for all his medical expenses and their by need not spend for any of his medical or hospitalisation bills. Many people tend to shy away from this very important type of insurance. Almost every company in India offers group employee medical insurance and hence people feel that they do not need any insurance at present. This notion is completely wrong. People do not think what will happen if they loose their job or after they retire . For eg: A person in the age group of 20-25 needs to pay Rs6000/- per year for a medical insurance of 3 lacs, where as a person in the age group of 50-55 needs to pay Rs15,000/- per year. If a person is having medical insurance for a longer period of time then he/she also gets a 5% discount in the consecutive policy renewal premiums. Also when he reaches the age group of 50-55 he can comparatively pay a lesser premuim for a higher sum insured. While w...

"Cheese" the moment we hear this word it reminds of the burgers, pizza and other delicious stuffs. A lot of diary farms that manufacture cheese do it by hand and have started out in a very simple way. Since some time I have also been very interested in running my own diary farm and a diary company. Hence I felt that its time that I do some homework. After some research and readings and googling I found out simple ways to make cheese at home. I took some quantity of curd and passed it through a muslin cloth ( you can use any cloth that is thin and is fit to filter ). The watery content of the youghurt went down and the curd was left in the cloth. After some draining and gentle squeezing I transfered the somewhat dry curd into a stainless steel container and left it for some time ( 2 to 3 hours approx. ). Then I rolled the cheese into balls and made them roll on salt and wrapped it with aluminium foil and left it in a dark, clean and hygienic place. Thats it the cheese was rea...

I went out of my home in the late 2006 in search of a living. I had to manage my finances all by myself. I was completely good at it. I did everything perfectly. Though I had a credit card, I was very good in managing it. Though there was a time when slightly I over used my credit card but still managed to take control of the situation. I did a lot of savings and of course some good stock investments. Things were going good, when one fine day things became some what worse. The main cause of that problem was there was way too much cash in my hands. Lot of cash made me very arrogant and hence my spending also went up. I used all my credit cards extensively and at a certain point lost track that when should I drop cheque for which card. Due to this confusion I lost track of all my billing cycles and hence interest charges were levied. As I mentioned I had good cash flow I somehow managed it. Then a time came when I felt that it is the right time for me to start a company. I quit my job an...

I recently designed image, in support of our troops. Anyone who wants to show their support to the Indian troop can download this image from here and display it on their blog or website.

Did you know that 'Happy Birthday' is copyright protected? Now what about the disclaimer which goes with copyrights? No public performance, copying, playing in movies, television programmes, or incorporating into musical products (read cards, watches...) allowed? So are we all gonna get sued? Also anyone who wants to make a hollywood movie can get inspired from this info .

Rajeev Motwani , was a great scholar. He did his B-Tech from the IITs and like all other IITians went to the U.S to pursue his future. He has mentored a lot of startup like Google and PayPal in becoming global enterprises. Sergey Brin the Google co-founder has not updated his blog since a long time, but Rajeev's untimely death has made him write a blog post about Rajeev . A website has also come up on his remembrance - Remembering Rajeev . I as a human, really feel sorry for Rajeev's untimely death and my deep condolences are with his family but as an Indian I am totally not bothered about Rajeev. I am writing this blog post not to praise Rajeev, but to throw some light on the way he left his country. Rajeev is a professor in the Stanford university. He has helped many great companies and minds, but why did he leave India. He studied in IIT and he should have used the opportunity to serve India. He should have developed the IT field in India. He should have stayed in India and ...

Measurements of temperature taken by instruments all over the world, on land and at sea have revealed that during the 20th century the Earth’s surface and lowest part of the atmosphere warmed up on average by about 0.6°C. During this period, man-made emissions of greenhouse gases, including carbon dioxide, methane and nitrous oxide have increased, largely as a result of the burning of fossil fuels for energy and transportation, and land use changes including deforestation for agriculture. In the last 20 years, concern has grown that these two phenomena are, at least in part, associated with each other. That is to say, global warming is now considered most probably to be due to the increases in greenhouse gas emissions and concurrent increases in atmospheric greenhouse gas concentrations, which have enhanced the Earth's natural greenhouse effect. Whilst other natural causes of climate change can cause global climate to change over similar periods of time, computer models demonstrate...

here are a lot of interesting blogs out there focusing on FOSS and Linux development, even though most of them are news aggregators, some of them publishes original contents which is what I am most interested in. Every week I find a new interesting site that I wish I knew about before; so today as I share with you some of the interesting Linux/FOSS blog I follow, I am hoping you will also share your favorite Linux blogs that I might not have seen before. There are three elements that I look for when I subscribe to a blog: 1) They are regularly updated. 2) They have full content for feed readers. 3) They publish original contents. While corporate and big name blogs with many authors has more refined contents, I am personally more interested on personal blog with their own style of writing that I can relate to. Here are some of the interesting Linux blog I follow (in no particular order): Mark Shuttleworth: This is where the founder of Ubuntu unwinds his thoughts. Though not as frequ...