குறுந்தகவல் - 8

பீச் மணல்ல வீடு கட்டிவிளையாடினதோட அருமை,
ஃபிகரோட அண்ணன் வீடு கட்டி அடிக்கும் போதுதான் தெரியும்


கவிதை: தலை குனிந்து உன்னை படித்தேன். இன்று பலர் என்னை தலைநிமிர்ந்து பார்க்கச்செய்தாய் - "புத்தகம்"

காதல் என்பது call மாதிரி. வரும்போதே அட்டண்ட் பண்ணனும், இல்லைன்னா மிஸ்டு call ஆகிடும். நட்பு SMS மாதிரி. அட்டண்ட் பண்ணலைன்னாலும் inbox-ல இருக்கும்


கண்ணீரைத்துடைக்க உன்னைப்போல் நண்பன் இருந்தால், விஜய் படம் கூட தைரியமாய் பார்ப்பேன்.

உன்னோடு நான் பேசிய நாட்கள் போதும்
நம் இருவரும் இனி பார்க்கவே வேண்டாம்
நீ யாரோ, நான் யாரோ என்று பிரிந்து விடுவோம்
உனக்கும் எனக்கும் இனி எந்த உறவும் இல்லை
நான் உன்னுடன் இருந்த நாட்களை நீ மறந்து விடு
பை, இப்படிக்கு
உன் கவலைகளும், துன்பங்களும்.

இழப்பதற்கு ஒன்றுமில்லை
ஆனால் ஜெய்ப்பதற்கு உலகமே இருக்கிறது - கீதை.

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Indian Currency

10 Tips for Effective E-mail

10 Tips for Effective E-mail


Think before you write. Just because you can send information faster than ever before, it doesn’t mean that you should send it. Analyze your readers to make certain that you are sending a message that will be both clear and useful.


Remember that you can always deny that you said it. But if you write it, you may be held accountable for many many moons. You may be surprised to find where your message may end up. (As an example of “What Not to Do” in Ellen Dowling’s Writing Strategies class?)



Keep your message concise. Remember that the view screen in most e-mail programs shows only approximately one half of a hard-copy page. Save longer messages and formal reports for attachments. On the other hand, do not keep your message so short that the reader has no idea what you’re talking about. Include at least a summary (action or information?) in the first paragraph of your message.


Remember that e-mail is not necessarily confidential. Some companies will retain the right to monitor employees’ messages. (Refer to #1 and #2, above.) Don’t send anything you wouldn’t be comfortable seeing published in your company’s newsletter (or your community’s newspaper).


Don’t attempt to “discipline” your readers. It’s unprofessional to lose control in person—to do so in writing usually just makes the situation worse.



Don’t “spam” your readers. Don’t send them unnecessary or frivolous messages. Soon, they’ll quit opening any message from you.


DON’T TYPE IN ALL CAPS! IT LOOKS LIKE YOU’RE YELLING AT THE READERS! Remember, if you emphasize everything, you will have emphasized nothing.


Don’t type in all lower case. If you violate the rules of English grammar and usage, you make it difficult for the reader to read.


Use the “Subject” line to get the readers’ attention. Replace vague lines (“Information on XYZ Project,” or “Status Report Q1”) with better “hooks”: “Need your input on Tralfamadore Project,” or “Analysis of recent problems with the new Veeblefetzer.”


Take the time to poof-read your document before you sent it. Rub the document thru the spell checker and/or the grammar checker. Even simple tips will make you look sloppie and damage you’re professional credibility.

What is NAV?

What is NAV? How it affects your MF Investment


The NAV (Net Asset Value) of a mutual fund has not been correctly understood by a large section of the investing community.

This is quite evident from the fact that mutual funds had been recently collecting huge corpus in their New Fund Offers, or NFOs, whereas the collections in the existing schemes were negligible.

In fact, investors sold their existing investments and invested in NFOs. This switch makes no sense, unless the new fund has something different and better to offer.

Misconception about NAV

This situation arises from the perception that a fund at Rs 10 is cheaper than say Rs 15 or Rs 100. However, this perception is totally wrong and investors would be much better off once they appreciate this fact.

Two funds with same portfolio are same, no matter what their NAV is. NAV is immaterial.

Why people carry this perception is because they assume that the NAV of a MF is similar to the market price of an equity share. This, however, is not true.

Definition of NAV

Net Asset Value, or NAV, is the sum total of the market value of all the shares held in the portfolio including cash, less the liabilities, divided by the total number of units outstanding. Thus, NAV of a mutual fund unit is nothing but the 'book value.'

NAV vs Price of an equity share

In case of companies, the price of its share is 'as quoted on the stock exchange,' which apart from the fundamentals, is also dependent on the perception of the company's future performance and the demand-supply scenario. And hence the market price is generally different from its book value.

There is no concept as market value for the MF unit. Therefore, when we buy MF units at NAV, we are buying at book value. And since we are buying at book value, we are paying the right price of the assets whether it be Rs 10 or Rs.100. There is no such thing as a higher or lower price.

NAV and its impact on the returns

We feel that a MF with lower NAV will give better returns. This again is due to the wrong perception about NAV. An example will make it clear that returns are independent of the NAV.

Say, you have Rs 10,000 to invest. You have two options, wherein the funds are same as far as the portfolio is concerned. But say one Fund X has an NAV of Rs 10 and another Fund Y has NAV of Rs 50. You will get 1000 units of Fund X or 200 units of Fund Y.

After one year, both funds would have grown equally as their portfolio is same, say by 25%. Then NAV after one year would be Rs 12.50 for Fund X and Rs 62.50 for Fund Y. The value of your investment would be 1000*12.50 = Rs 12,500 for Fund X and 200*62.5 = Rs 12,500 for Fund Y. Thus your returns would be same irrespective of the NAV.

It is quality of fund, which would make a difference to your returns. In fact for equity shares also broadly this logic would apply.

An IT company share at, say, Rs 1,000 may give a better return than say a jute company share at Rs 50, since IT sector would show a much higher growth rate than jute industry (of course Rs 1000 may 'fundamentally' be over or under priced, which will not be the case with MF NAV).

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குறுந்தகவல் - 7

பேருந்து படிக்கட்டில் பயணம் , வகுப்பறை வரை நீளும் கேளிக்கள் ,

நடு இரவில் சென்று பார்த்த தேர்வு முடிவுகள்

இரவு வரை தொடர்ந்த கிரிக்கெட்

நண்பனுக்காக சென்ற காதல் தூது

தேர்வு நேரத்தில் விடியல் வரை நீளும் படிப்பு

சொல்லமலே முடிந்த காதல்கள்

ஒரே தட்டில் பத்து பேர் உண்ட உணவு

தன்மானம் காக்க போட்ட டிப்பார்ட்மெண்ட் சண்டைகள்

கல்லூரியின் இறுதி நாளன்று சிந்திய கண்ணீர்

கல்லூரி கூட கருவறை தான்

பிரசவிக்காமலையே இருந்திருக்கலாம்.

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வாழ்க்கை செல்போன் மாதிரி

அதுல ப்ரண்ட்ஸ் சார்ஜ் மாதிரி

காதல் ரீசார்ஜ் மாதிரி

என்னதான் ரீசார்ஜ் பண்ணாலும்

சார்ஜ் இல்லைண்ணா, சுவிட்ச் ஆப் தான்


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வாழ்வது ஒருமுறைதான் என்றாலும் வாழ்த்தட்டும் தலைமுறை - அன்னை தெரசா



ஒருநாள் நிச்சியம் விடியும், அது உன்னால் மட்டுமே முடியும் - அப்துல்கலாம்


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பூமியில் பூப்பது எல்லாம் பூவென்றால், உன் புன்னகையை என்னவென்று சொல்வது


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புன்னைகை என்ற முகவரி இருந்தால், நண்பர்கள் என்ற கடிதங்கள் எளிதில் வந்தடையும்.

பொங்கல் நல்வாழ்த்துக்கள்

நண்பர்கள் அனைவரும் இனிய பொங்கல் நல்வாழ்த்துக்கள்

தித்திக்கும் கரும்பைப் போல

உங்கள் வாழ்க்கை இனிதாகட்டும்

Cute SMS 11

Nothing is permenant in this world, not even our troubles. - Charlie ChaplinSo keep on enjoying the life. Dont loose your smile at any cost.

Never think more about past, it brings tears. Dont think about future it brings fear. Live this second, it brings cheers

God never wanted us to face the tough times alone. Thats why he gave somebody to guide, help, share our emotions, they are friends...

Golden words of hitler:- when you are in light, everything will follow you. But when u enter darkness, even you own shadow will not follow you.

Everyones life starts with full bag of luck & an empty bag of experience. The trick is to fill the bag of experience before the luck runs out.

Everybody will say, Mistake is the first step of success. But the feal fact is correction of mistakes is the first step of success.

Heights of craziness: I am not scared of proposing to a girl. But am scared about what would happen if she agrees

Cute SMS 10

A lot of friends.... Will go in and out of my life... But only true friends will put foot prints in my heart...

An apple a day keeps a doctor away.
An egg a day keps cancer away.
A lemon a day keeps fat away.
A cup of milk a day keeps bone probs away.
3 litres of water a day keeps diseases away.

Your mind is you great friend if u control it.....But your mind is your great enemy, if you dont conrol it..- ABDULKALAM

Everyday starts with some expectation but everyday surely ends with some experience..

A child laughs about 400 times a day. While adult laugh on avg 15 times a day. be a child by mind. forget ur worries & be happy forever

When u get success everyone know about u. When u get failure i am sure u know about everyone.

Be bold when u lose but be calm when u win. Life is a fingerprint cant be duplicated so make best impression in it.

Laugh so hard that even sorrow smiles at you. Live life so well that even death loves to see you live. Fight so hard that even fate accepts its defeat.

I met money and i said u r just a piece of paper. Money smiled n said ofcourse i'm a piece of paper but i haven't seen a dust bin for me yet.

In life, never look down on anybody, unless u r getting a lovely view of cleavage!

Don't believe the doubted one.... Dont doubt the belived one...

Don't count ur success. Count only ur failures becoz failures are more valuable than success. Dr.Abdul Kalam

The depth of your concentration determines the quality of your work. Bagavad geetha.Make urself qualified for others to concentrate on u

Am Back

Hi Friends

After a long break i am back into action. Soon you could see useful!!?? postings as usual from my side. Read & provice your valuable comment.

Cheers