Financial Planning using Excel
Sunday, September 30, 2007
Do you ever wonder where the hell is your money going from your supposedly fat salary? The savings in the end don't justify the expectations? Well I had the same problem, so I thought that lets check what all are my expenses for the month and how much am I saving and all that.
So when I started to do that using our great old friend 'Excel' spreadsheet solution I came up with a lot of considerations and finally this excel sheet - "Financial_Planning.xls"
Please feel free to download it, make changes to add ons, criticize and suggest
Download from here (direct link)
in case the above link doesnt work, download from link below -
Download Here
*Edit: The link has been edited to have the file downloaded from 3rd party uploader.
Labels: Financial Planning
posted by Jas @ 7:18 PM,
,
Saawariya Lyrics OST
Friday, September 28, 2007
With every movie's OSTs coming in remixes and then multiple remixes, the songs from Saawariya are a sweet melody to ears. Really like this song, just only wish is that the singer would have lessened the more than frequent lowering of voice or its fluctuation, still a good listen. Here is the link to songs for download -http://www.apniisp.com/songs/indian-movie-songs/saawariya/440/1.html
Movie : Saawariya - 2007
Music Director : Monty Sharma
Singer : Shail Hada
Lyricists : Sameer
Lyrics:
Saawariya.. hha hha haa, Saawariya.. hha hha haa,
Saawariya, ho Saawariya!
Oh dholi mein bithake, sitrao se sajaa ke
Zaamane se churake le jaye ga
Saawariya.. hha hha haa, Saawariya.. hha hha haa,
Saawariya, ho Saawariya
Ohhh dholi mein bithake, sitrao se sajaa ke
Zaamane se churake le jaye ga
ek rooz tera udake jiya
Ohh Saawariya.. hha hha haa, ohh Saawariya.. hha hha haa,
yehey Saawariya, hho Saawariya
udley he he, odley he he
uudede hey he he, ohhhdede he he (yodely)
Palko ke shaamiyane mein, kwaboon ke har tikane mein
Teri hi parchaiya hai, tu tho har lamha yaadon mein hai
Teri khamosh pehali nazar ka deewana bana
Saawariya.. hha hha haa, Saawariya.. hha hha haa,
Saawariya, hh Saawariya
Ho dholi mein bithake, sitrao se sajaa ke
Zaamane se churake le jaye ga
Saawariya..(I wanna be your date tonight) hha hha haa,
Saawariya.. (You wanna be my princess of night) o hha hha haa,
Saawariya, (I wanna love you my love at first sight, will you be my date tonight) ohhhh Saawariya
Saawariya..(I wanna be your date tonight) hha hha haa,
Saawariya.. (You wanna be my princess of night) o hha hha haa,
Saawariya, (I wanna love you my love at first sight, will you be my date tonight) ohhhh Saawariya
Labels: Music
posted by Jas @ 1:38 AM,
,
Chak De is the metaphor for India now!
Wednesday, September 26, 2007
Take 1, New Delhi, India
With FIFA ranking of 165 out of 199 football playing nations, Indians were never the favorites. Goal misses don't count and India had been high on that. The final
pitches them against rowdy Syria, ranked 39 places above India. But that's not much of a number, I personally feel, in case you are below 3/4th of your colleagues!
But the team was good on aggression, tactics, speed and control, good enough to register the first ever defeat for Syria in the tournament. The final whistle saw nearly 10,000 home fans at the overflowing Ambedkar Stadium join the euphoria of India’s first title victory in the ONGC Nehru Cup football tournament. The win fetched India $40,000, the entire money to be distributed among the players. Oil and Natural Gas Commission contributed a similar amount.
All in all a great match, India had done good in finals after a long long time and we will knew it was once in a blue moon euphoria, ephemeral one as we all believe. Still it was more than welcome, and we did relish it!
Take 2, Chennai, India
The defending champions face a task which would be considered as an uphill one for many of us, repeating a winning stroke. And the moment you name the word hockey, it becomes all the more, more difficult.
By now the SRK movie - Chak De India had been doing quite well at the box office. People had gobbled up the a light but heart racing movie made on sports which (quite unimaginably for a SRK starrer) had songs only as background score.
But the team shows the critics from the start only that its very much worth its salt. Not only they kept winning crucial ones, they ruined SriLanka 20-0 in the process and set a world record in the process. 20 to nil ! can you believe that? It was really sad that I had to move to Hyd just a couple of days before the final match at Chennai.
India won and hence successively defended the Asia Cup 2007 by defeating South Korea by 7 - 2. And in case you follow hockey, 7-2 against South Korea is more than impressive. This year’s Asia Cup has seen a dream run made by India. As for the statistics, check this - India ended the tournament with a jaw-dropping 57 goals, without losing a single match and during all this, conceding JUST 5 goals!! A fairytale number it is to me! All this despite the fact that teams like China and South Korea were established and hot favorites!
"Chak De India!" roared the news channels across the subcontinent!
Take 3, Johannesburg, South Africa
With no Tendulkar, no Ganguly and no Dravid; supposedly all of the mighty three of Indian cricket being absent from the new short and sexy format of the game, pundits had already christened the twenty20 Indian team as underdogs. Cmmon! Who among us all thought that we could give the kind of performance that has been exhibited, leave alone winning the world cup?
If you did then lets put it simply, you were a minority.
And infact the early few games did show the chinks in the armor of Indian team. Soon we found ourselves at so much acquainted situation of 'do or die', have you seen any big tournament where we were not in this position? So we win some and we lose some of these, and here, we won it this time. But then point was not in winning, it was how we had won. The Indian tail was wagging, it has been doing so from some years now. more amazingly the bowlers were actually aggressive and had an appetite for all kinds of wickets - early wickets, wickets at regular intervals, dislodging of bails with a cracking sound and all. It was the spirit in India. The team was enjoying itself out there and was like a group of boys, who are hungry for that action. The wins came by themselves.
Few years back India would have been happy at winning the further entry on run rate basis, points basis, not this team. It wanted a win! When almost everybody had written them off, the team India struck South Africa to not only give them their first ever but fatal loss; but also (surprisingly for all) hurling it suddenly out of the world cup. Even when the fate was almost sealed, you had to see the second last wicket being taken by Harbhajan. The way he reacted showed how ruthless the team was with carnage as its religion. The bowling has been amazing where the Twenty20 format was praised as batsman's game. All its major wins have been on significant successes by bowlers. Boy I loved every bit of that sound of a wicket being cracked away!
And in case you still consider it as a batsman's game format, then we had the best of slaughterers who loved to take the bounties. Yuvraj's reply of sixes to a spat with Flintoff told a lot about the mental state of the gifted batsman that he is. He not only held his nerves to deliver sixes when it was fully known what he was upto from 3rd ball onwards, but the kind of the shots that he played was amazing too. The second six was taken just by a small wrist flick! a class indeed!
India had repeated the Chak De act yet again!
Take 4, BSE & NSE, India
As the sports patrons were rushing home early to witness the history in making the fed rate cut by US govt saw a surge in FDI in Indian markets with the Reliance shares leading from front. The market saw a record breaking figure of 16000 for first time and in no time it was much above the 16,500 level. Indian stock market had turned sweet sixteen and in the process creating a value for its stockholders worth its salt! Almost every share has been reporting a rise of about 10%. Only blue chip company stocks were on low, being hit by lower revenues and falling American dollar.
Result? market posted today a record rise in 6 days flat to touch 17000!!! The highest being ticked at Rs. 17,073.87
Though I feel that market is much more like a hot balloon right now, but then that's what we all have been expecting from a long time. A correction may come up in day or two but then its not that the celebrations should wait!
With FIFA ranking of 165 out of 199 football playing nations, Indians were never the favorites. Goal misses don't count and India had been high on that. The final
pitches them against rowdy Syria, ranked 39 places above India. But that's not much of a number, I personally feel, in case you are below 3/4th of your colleagues!But the team was good on aggression, tactics, speed and control, good enough to register the first ever defeat for Syria in the tournament. The final whistle saw nearly 10,000 home fans at the overflowing Ambedkar Stadium join the euphoria of India’s first title victory in the ONGC Nehru Cup football tournament. The win fetched India $40,000, the entire money to be distributed among the players. Oil and Natural Gas Commission contributed a similar amount.
All in all a great match, India had done good in finals after a long long time and we will knew it was once in a blue moon euphoria, ephemeral one as we all believe. Still it was more than welcome, and we did relish it!
Take 2, Chennai, India
The defending champions face a task which would be considered as an uphill one for many of us, repeating a winning stroke. And the moment you name the word hockey, it becomes all the more, more difficult.
By now the SRK movie - Chak De India had been doing quite well at the box office. People had gobbled up the a light but heart racing movie made on sports which (quite unimaginably for a SRK starrer) had songs only as background score.
But the team shows the critics from the start only that its very much worth its salt. Not only they kept winning crucial ones, they ruined SriLanka 20-0 in the process and set a world record in the process. 20 to nil ! can you believe that? It was really sad that I had to move to Hyd just a couple of days before the final match at Chennai.
India won and hence successively defended the Asia Cup 2007 by defeating South Korea by 7 - 2. And in case you follow hockey, 7-2 against South Korea is more than impressive. This year’s Asia Cup has seen a dream run made by India. As for the statistics, check this - India ended the tournament with a jaw-dropping 57 goals, without losing a single match and during all this, conceding JUST 5 goals!! A fairytale number it is to me! All this despite the fact that teams like China and South Korea were established and hot favorites!
"Chak De India!" roared the news channels across the subcontinent!
Take 3, Johannesburg, South Africa
With no Tendulkar, no Ganguly and no Dravid; supposedly all of the mighty three of Indian cricket being absent from the new short and sexy format of the game, pundits had already christened the twenty20 Indian team as underdogs. Cmmon! Who among us all thought that we could give the kind of performance that has been exhibited, leave alone winning the world cup?
If you did then lets put it simply, you were a minority.And infact the early few games did show the chinks in the armor of Indian team. Soon we found ourselves at so much acquainted situation of 'do or die', have you seen any big tournament where we were not in this position? So we win some and we lose some of these, and here, we won it this time. But then point was not in winning, it was how we had won. The Indian tail was wagging, it has been doing so from some years now. more amazingly the bowlers were actually aggressive and had an appetite for all kinds of wickets - early wickets, wickets at regular intervals, dislodging of bails with a cracking sound and all. It was the spirit in India. The team was enjoying itself out there and was like a group of boys, who are hungry for that action. The wins came by themselves.
Few years back India would have been happy at winning the further entry on run rate basis, points basis, not this team. It wanted a win! When almost everybody had written them off, the team India struck South Africa to not only give them their first ever but fatal loss; but also (surprisingly for all) hurling it suddenly out of the world cup. Even when the fate was almost sealed, you had to see the second last wicket being taken by Harbhajan. The way he reacted showed how ruthless the team was with carnage as its religion. The bowling has been amazing where the Twenty20 format was praised as batsman's game. All its major wins have been on significant successes by bowlers. Boy I loved every bit of that sound of a wicket being cracked away!
And in case you still consider it as a batsman's game format, then we had the best of slaughterers who loved to take the bounties. Yuvraj's reply of sixes to a spat with Flintoff told a lot about the mental state of the gifted batsman that he is. He not only held his nerves to deliver sixes when it was fully known what he was upto from 3rd ball onwards, but the kind of the shots that he played was amazing too. The second six was taken just by a small wrist flick! a class indeed!
India had repeated the Chak De act yet again!
Take 4, BSE & NSE, India
As the sports patrons were rushing home early to witness the history in making the fed rate cut by US govt saw a surge in FDI in Indian markets with the Reliance shares leading from front. The market saw a record breaking figure of 16000 for first time and in no time it was much above the 16,500 level. Indian stock market had turned sweet sixteen and in the process creating a value for its stockholders worth its salt! Almost every share has been reporting a rise of about 10%. Only blue chip company stocks were on low, being hit by lower revenues and falling American dollar.Result? market posted today a record rise in 6 days flat to touch 17000!!! The highest being ticked at Rs. 17,073.87
Though I feel that market is much more like a hot balloon right now, but then that's what we all have been expecting from a long time. A correction may come up in day or two but then its not that the celebrations should wait!
Chak De Chak De, Chak De India!!!
posted by Jas @ 12:48 PM,
,
We, God and the Chaos
Thursday, September 06, 2007
"Tell me how microprocessors and micro controllers work", thats how the discussion got started by Rahul at 10:17pm in our room; the discussion that would obey the chaos theory in the topics being discussed and keep us awake till 4:50am.The talk started with the controller architecture, the paradox of data bus and memory addresses and graduated to the processing power. When Pankaj got up to fetch a bottle of water from kitchen it was already 1:40am, and meanwhile I arrogantly pronounced that the weather data crunching supercomputers deals with terabytes of data and actually measure fluctuations at every point in a about 1 sq km of area. Suddenly the team was energized to argue that it was just not possible and voila! thanks to Chaitanya we landed up in Chaos theory and butterfly effect, the brilliant yet mind boggling theory.
Butterfly effect phrase refers to the idea that a butterfly's wings in Brazil might create tiny changes in the atmosphere that ultimately cause a tornado to appear (or prevent a tornado from appearing) in Texas. The flapping wing represents a small change in the initial condition of the system, which causes a chain of events leading to large-scale phenomena.
The Chaos theory on other hand describes the behavior of certain nonlinear dynamical systems that under specific conditions exhibit dynamics that are sensitive to initial conditions (butterfly effect). As a result of this sensitivity, the behavior of chaotic systems appears to be random, because of an exponential growth of errors in the initial conditions.
No I am not going to discuss about how the movie by same name described the effect and repercussions of changing something in past, what I want to discuss is that even after a system being totally chaotic, it still may be deterministic. In the essence that even though the essence of God is still a mystery, it may not be some day when we get enough variable to discuss the origin and expanse of the universe.
Let us have a look at the long term behavior of a chaotic motion. The Lorentz Attractor would show a graphical representation of the time variation of three variables X(t),Y(t) and Z(t), coupled by non-linear evolution equations. For single solution evolving from an initial condition (X0,Y0,Z0) will be very different from another solution running simultaneously from initial conditions separated by (dX0,dY0,dZ0) by setting any of dX0, dY0, dZ0 to nonzero values (e.g. 0.01). This tiny difference in the initial conditions becomes amplified by the evolution, until the two trajectories evolve quite separately. The amplification is exponential, the difference grows very rapidly and after a surprisingly short time the two solutions behave quite differently, even though they may be having a similar trajectory. This is an illustration of the butterfly effect - the idea in meteorology that the long term behavior becomes impossible to forecast. Hence Rahul said we can't predict the weather to escape the price of acquiring the knowledge!
But this raises the question about our existence. How many times have you got boggled down thinking if all started from big bang, what was around that big concentrated ball of mass, how did it come there, whats the end of the universe? I personally believe that like the discovery of earth being round body answered infinite questions, there is yet some truth to be found which will suddenly make many disconnected theories and questions fall in place. The motion of almost every natural thing is chaotic, but then given a long duration it can be expressed in significantly complex mathematically equation. The challenge is the expression and not the chaos!
Let us have a look at the long term behavior of a chaotic motion. The Lorentz Attractor would show a graphical representation of the time variation of three variables X(t),Y(t) and Z(t), coupled by non-linear evolution equations. For single solution evolving from an initial condition (X0,Y0,Z0) will be very different from another solution running simultaneously from initial conditions separated by (dX0,dY0,dZ0) by setting any of dX0, dY0, dZ0 to nonzero values (e.g. 0.01). This tiny difference in the initial conditions becomes amplified by the evolution, until the two trajectories evolve quite separately. The amplification is exponential, the difference grows very rapidly and after a surprisingly short time the two solutions behave quite differently, even though they may be having a similar trajectory. This is an illustration of the butterfly effect - the idea in meteorology that the long term behavior becomes impossible to forecast. Hence Rahul said we can't predict the weather to escape the price of acquiring the knowledge!But this raises the question about our existence. How many times have you got boggled down thinking if all started from big bang, what was around that big concentrated ball of mass, how did it come there, whats the end of the universe? I personally believe that like the discovery of earth being round body answered infinite questions, there is yet some truth to be found which will suddenly make many disconnected theories and questions fall in place. The motion of almost every natural thing is chaotic, but then given a long duration it can be expressed in significantly complex mathematically equation. The challenge is the expression and not the chaos!
Labels: Philosophy, Physics
posted by Jas @ 2:19 PM,
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