Okay, enough of bickering and crying and cribbing. Time to get our hands dirty and portfolios clean. In fact, from a purely philosophical and contemplative mood, I would say, these are the times to actively cleanse your mind, body and portfolio. What we say as shuddhikaran[purification that is].

Purify the mind, of all the worries of downturn. Purify your body of all those beer you had when the going was good, making money was simple, air was clean and sex was dirty. Sorry but those days are gone, and put that beer belly out too.

And lastly, clean,spruce, cut, file away or whatever adjective you might like to add, to actually do, the job you have been advised for the nth time. Yeah and thats precisely the D word, I would like to talk about today.

Diversification of your portfolio. Its an interesting job by the way, and one which definitely doesn't have straight answers. We are having some wee bit of stagflation in our ways. No second opinion. Stocks are falling and portfolio is increasingly plunging into red, deep red.

Your investment strategy was choose some, bet big, haul rich.

And thats precisely where the mistake was made. This type of investment strategy works extremely well in bull run, perhaps because even first grade idiosyncrasies are awarded in a bull run [and thats why everybody loves bulls], but this simply fails in a bearish phase.

Why?

You think, that by having a core portfolio consisting of a chosen few stocks will beat the market? :) Good for you, but its not that easy. Often, the volatility of such portfolio is higher than the index. Hence when during a bull run, index is soaring at 11% rate [just a sacrosanct figure], your portfolio shows an appreciation of 25%. But unfortunately, when the index falls, the portfolio falls sharper. And the latter case is most visible in non diversified portfolios.

Okay, question time: How do you actually go about diversification process?

Okay, junta. Its not that simple. Complex mathematical variance calculations and Sharpe ratio calculations fill the pages and then you can actually have a relief of figuring out the variance or risk or how much diversified your current portfolio really is. To tweak, to manage and to improve it, requires a rocket scientist.

So did you get scared yet?

No? Then read that again. Yes? Then ignore it :)

Although, diversification and fine-tuning a portfolio for the risk-reward ratio is fairly complex, but it doesnt really need a rocket scientist to figure out two diversified, decoupled industry. At least thats the only thing you can do practically. And it just requires two things: Common Sense and Understanding.

So a quick quiz: Which two industries are more decoupled- Ice Cream and Rain Coat or Semiconductor and PC industry?

The answer will be Ice Cream and Rain Coat Industry. A common understanding says, if it shines, then ice cream sales usually [leaving myself a wiggling space] goes up, and if it rains then the latter. So if it rains or shines, having both of them in your portfolio will manage to offset each others slumps! And you are better off.

Happy? And you think, that's all diversification? No. Diversifying is often a tougher job than we might think. Is Finance Sector decoupled from any industry as such? After all, finance is the lifeblood of a growing economy. And hence the second requisite kicks in. Understanding.

Once the understanding grows, we really stop looking from the sectoral point of view but start looking from a company point of view. YES BANK [YES]  has interests in venture capitalism and private equity, while SBI [SBI] has a whole lot of exposure on agri side. ICICI BANK [ICICIBANK] has mixed exposure. So whom to choose and whom to not. Often, an intuitive understanding works miraculously. And better yet, hire a good fund manager.

But these two are rare to find. Rarer in these days of snake oil salesmen and dubious accreditation.

But you do have a fantastic diversified portfolio already made for you, my dear reader. [And no I am not selling any product of my own!]

You have INDEX FUNDS for you to invest in.

INDEX FUNDS, what are they?
Professionally and well researched indices are nothing but collections of top performing corporates in individual sectors, all different and decoupled of course,weighted average by their market cap.Surprisingly the NAV is in extremely close tandem with the index. Heck! it is the index.Just assume, NIFTY is the merger of 50 companies which form the index, of course the merging companies have shares in this maha company in accordance to their market capitalisation. And you bought one share of this maha company, then in effect you own one share of NIFTY. Or in other words, one share of an index.

But you have got a problem at hand. NIFTY shares are not sold in open market, only its FUTURES are sold. So go for the next best thing: Invest in an INDEX FUND. A mutual fund emulating the entire Nifty index.

So, next time, when you try to look out and shop for some index funds, check out their tracking error. Or intuitively speaking, how closely the fund is in tandem with the index.

On a parting shot, although these are not recommendations, but some place to start searching is a good enough stepping stone to start with. Here listed are some of the index funds:

• FRANKLIN INDIA INDEX FUND-NSE NIFTY
• HDFC INDEX NIFTY PLAN
• ICICI PRUDENTIAL INDEX FUND
• ING NIFTY PLUS FUND

[The author, Soham Das takes a passionate interest in business innovation,electronics and environment. An avid blogger and technology guy, he spends most of his time studying charts or bringing up projects for his employer. When he is not blogging on markets, technology and their business issues, he spends his time conceiving and executing projects for a hi-tech electronics startup based out of South India. Mail him at sohamdas at gmail dot com. He is listening]

Var på nav kurs i går, det var et sånt info kurs hvor de fortalte om ting jeg egentlig viste fra før. Bare at det var mer i dybden av tingene han fortalte. Har tenkt på å melde meg inn på kurs, feks for å få datakortet. Hadde vært bra å ha det på cv`en sin.

Nå er det bare å søke vidre og bli er 100% villig til å skrive skikkelige brae søknader og vise 100% hvor villig jeg er til å ta de jobbene på intervju. Innser at jeg ikke har vært det og det har nok de som har intervjuet meg merket. Det er fordi jeg er kommet til et punkt hvor jeg er møkkalei og egentlig tar en jobb bare for å ha en jobb. Problemet er at det er ikke en sånn person en arbeidsgiver vil ha, de vil ha en som virkelig vil ha jobben. Men jeg vil jo ha jobben, den de er villig til å gi meg, all erfaring er god erfaring på godt og vondt.

Ifølge nav mannen så bør man sitte som om det var en vanlig arbeidsdag og bare søke etter jobber. Kan ikke si at jeg er såå flink, jeg har ikke tålmodigheten til det.. argh må ta meg skikkelig sammen nå og kanskje bare kanskje får jeg en jobb snart..

Derek Fisher, Sales Director for Evo-soft attributes the success to a combination of long term sales effort together with some new short term referral prospects  who immediately saw the benefits of the Evo-soft tailored supply chain version of Dynamics NAV for their company.  Fisher stated, “We are always pleased to see the referral business, as it shows that our clients are having a positive experience with the software and service.”

Oliver Norton, Microsoft   Account Manager, states, “I recently sat in on an Evo-soft demonstration for a prospect, and was highly impressed at the level of development Evo-soft had done to support its vertical market.  The number of new accounts Evo-soft is adding is a tribute that that work.”

Getting started

Once you finish installing the application, it asks you if you want T9 Nav to autostart. This can later be modified by pressing “Key 1″ and going to the “Settings” window. As you launch the application you can start typing, and the results which T9 Nav calls “high-frequency” items appear at the top of the list. You can press Up/Down to move around the results, and press “Select” on each item to activate it. Each found item is preceded by an icon which indicates to which category it belongs. Needless to say, pressing “Key 1″ on each item displays a menu which begins with context-sensitive items. For instance, if you press “Key 1″ on a contact entry, you’ll see the following:

• Open,
• Call, submenu:
  • Voice call,
  • Video call.
• Ptt options, submenu:
  • Talk 1 to 1,
  • Talk to many,
  • Send callback request.
• Create message,
• Send,
• Help,
• Tutorial,
• About,
• Exit.

Similarly, pressing “Key 1″ on a found entry which belongs to the Media category displays the following options:

• Open,
• Send,
• Settings,
• Help,
• Tutorial,
• About,
• Exit.

Also, you can press Joystick right to move to other tab sheets which display items belonging to a certain category. These tab sheets are:

• All,
• Contacts,
• Settings,
• Media,
• Bookmarks,
• Applications,
• Calendar,
• Key words.

Few things to mention

T9 is currently available as a beta application and the current built, V00.05.06_RC11, expires on July 31st. Nuance will send periodic feedback forms to the email address you provide upon downloading T9 Nav. Personally speaking, I’d like the following features to be implemented in future releases:

1. Make it capable of running as a service, optionally. This will force T9 Nav to leave the “Task manager”.
2. Modify T9 Nav so that it can initiate more than one search in a session. Currently, if you finish searching but don’t leave the application and decide to initiate another search, pressing the “Clear” key a few times sends the application to the background rather than removing the first typed character.
3. Extend its searching algorithms — it should become capable of locating SMS, MMS, and email messages.
4. Make it capable of integrating into the “Standby” window, optionally. This way, users can initiate searches without moving to a separate window.

Notes for Symbian screen reader users

If you use Nuance TALKS to access T9 Nav, note that you should set the “Full list items” setting to “No”. Otherwise, TALKS wouldn’t read the found items. Simply use the “App-specific settings” feature so that this TALKS-related change can affect T9 Nav not other applications. Finally, if you’re into labeling icons via TALKS, you might be happy to know that all T9 Nav icons which indicate the category of results can be labeled. This helps with easier navigation in the “All” tab sheet. I’m not sure if those who work on Nuance TALKS&ZOOMS are simultaneously involved in the development of T9 NAV, but I hope the final release remains a truly accessible application.

http://mobilespace.wordpress.com/2008/06/16/searching-made-easy-with-t9-nav

Er også invitert på bursdag i morgen, broren min fyller 16 år. Tante sier jeg bør ha gave med fordi det er høfflig å ta med. Men jeg er ikke helt enig med henne, også har jeg ikke råd til å gi gaver nå. Fordi dagen etter bror har mamma og hun blir 45, mens søster har to dager etter henne igjen.. hun blir riktig nok bare 28. Men vil kreve gave om jeg gir bror det eller mamma. Et dilemma dette.. Riktig nok var bror snill å inviterte meg på mat og kino da jeg hadde bursdag i år, men han hadde råd til det. Og søster gav meg jul og bursdagsgave i ett. Mens mamma har glemt meg igjen... Men hun finner vel på unnskyldninger som vanlig. begynner å få den følelsen av at jeg ikke fortjener gaver fra mamma fordi jeg liksom skal forstå hennes fattigdom. De andre kan få fordi forstår ikke.. Vel jeg fårstår faen meg ikke den logikken. Men vil ikke ha noe fra henne uansett fordi det vil da ikke være helhjertet.

Broren min får ikke nå i fra meg, men skal få så snart økonomien min tilsier det. Søster også.. Men til den tid får de bare vente, kan ikke blakke meg på gaver. Det er så mange før dem som forjener gaver, sånn som ikkeborg. Hun har enda ikke fått gaven sin og heller ikke venninen min som har bursdag i samme måned som ikkeborg.

Ååh som jeg hater burdager....

Fytti katta kor æ har vært på do i dag.. magen er ikke god, elelr det er vel mer rett å si at tarman ikke er helt god. Tro jeg ikke tåler vanilje is, har rent på do hver gang jeg har laga meg milkshake med vaniljeis..

Tante drar til Kristiansand i morgen, jeg hadde helt glemt det fordi hun ikke har nevnt så mye om turen i de siste dagene. Hun blir ikke borte så lenge da.. men kunne ha nevnt det litt oftere slik at jeg huska det. Har tross alt GA syndromet.. (glemme alt syndromet)

Onkel har sett på leilighet i dag og han får den kanskje. Håper han får den fordi den må være ypperlig for han. Fordi han kunne fortelle at det lå i en uvanlig stille gate, og han sover ganske så lett. Når han ikke får sove pga bråk blir han som ei bitchy hurpe midt i pms perioden.. X alt jeg har nå!

The MyGIG Multimedia Infotainment System includes a 20GB Hard Disc Drive (HDD), full-map touch-screen navigation and Sirius enabled Real Time traffic updates. All GPS Navigation data is stored on the HDD (external discs are not necessary). Store your favorite media files on the HDD via CD or a USB 2.0 port, and manage/retrieve your tunes with the Gracenote digital jukebox. You can also listen to AM/FM/CD/SIRIUS stations or use the handy "bread crumbs" navigation feature on your next Jeep Jamboree. It also has the ability to program geographic locations by latitude and longitude, as well as select and store geographical points in the NAV computer. The 6.5 display with touch-screen panel is great for DVD viewing thanks to 65,000 colors.

MyGIG gets a price tag of about $1700. This is terrific for the options it bundles and a low-to-average price for navigation systems in general. Sirius can be ordered without MyGIG for $195, as can UConnect, but the MyGIG bundle is the only way to get navigation.

MyGIG gets more functionality (upgraded navigation, voice and touch-screen controls, the hard-drive audio storage) and includes more features for $500 less than ordering navigation, Sirius, and UConnect last year. Outside Chrysler, Honda asks about $2000 for navigation- and XM-equipped Accords and Toyota a whopping $2200 for navigation, $299 for Bluetooth, and $449 for Sirius on Camry.

For more information call Reed Brothers Dodge toll free at 1-877-681-5021, or visit our website at www.reedbrothersdodge.com

Reed Brothers Dodge is conveniently located at the Shady Grove Metro at 15955 Frederick Road in Rockville, Maryland 20855.

I logged into the Symantec System Center that installed on my main server and really did almost everything from there.  I first had to unlock my server group, and then I chose Tools -> AntiVirus Server Rollout.  I followed the wizard that came up, basically I had to choose my new server, identify the group I wanted to associate with it, and then install it on the new server.  After restarting the server it was installed on, I only had to drag and drop my clients from one server to the other.  It couldn't have been more simple.

Based on some instructions I found, I could have also installed it from a CD, but since I don't have those here at our location, this was the way to go for me.  I am off now to disable the old server and then uninstall Symantec from that system.

I går kveld kom overraskelsen. Jeg skulle sjekke saldoen på kortet, og fikk meldingen "Bokført saldo: 5.080,44". Jeg så lenge på skjermen og kunne ikke fatte noen ting. Hvor faen kom de fem tusen fra? Hø? Er det en eller annen skummel mann som har gitt meg penger? Hø? HVA FAEN?

Jeg satt fortumlet i et øyeblikk før jeg fortalte Silje det. Hun var selvfølgelig like forbausa som meg. Vi satt og diskuterte det, og kom til konklusjonen at det ikke kunne komme fra NAV. 5000 fra NAV? Ikke faen. Vi gikk ned på butikken og kjøpte Nonstop for å feire.

I dag tidlig sto jeg opp og kom på at det kanskje sto hvem det var fra på nettbanken. Og HEI! NAV innkreving. MERKELIIIG.

Jeg har uansett kommet med konklusjonen at NAV ruler.

Min erfaring fra arbeid med utsatte grupper, samt erfaringer privat, tilsier at det langt fra er enkelt å få sårt tiltrengt hjelp. Det være seg trygdeytelser, sosialhjelp eller asyl. Så langt er det ikke en hjelpende hånd som er det mest iøyenfallende ved Herr Hanssens gjerning. Nei her handler det om å få folk opp om morran, heve terskler og forminske nåløyer. Svært mange kommer desilusjonert, nedbrutte, fortvilte, og i økonomisk ruin ut fra sitt møte med hjelpetiltakene som sorterer under Herr Hanssen. Det være seg syke mennesker som trenger økonomisk hjelp som følge av uførhet, eller asylsøkere som trenger et sted å leve fritt for forfølgelse.  Det kan da ikke være nødvendig? Så ekstremt fattige på penger, plass og hjerterom er vi vel ikke?

Jeg hører de sier at denne teltleiren er et uttrykk for mangel på plass, ikke er avskrekkende tiltak. Men ærlig talt. Asylsøkerne kommer da ikke som julekvelden på kjerringa? Vi vet vel litt om situasjonen i verden og hvor mange som kan ventes å be om vår hjelp? Hvis ikke bør det utskiftninger til i Herr Hanssen departement og i hans virksomheter.

Mulig jeg har valgt mine nyhetskanaler uklokt i dag, men jeg har merket meg at ramaskriket over en pislete avgiftsøkning på drivstoff overdøver røstene som heves på asylsøkernes vegne. Enda godt folkehjelpa ikke vil drive denne leiren.

Black ELement - Human (Produced By Kush Klien)

Black ELement - Keeps it Rawkin’ (feat. NAV) (Produced by Rami Afuni)

Black ELement - Can’t Call It (Produced by Ryan Durkin)

Be Sure to check his blog out here........

Scope

• Provides production or capacity data on the company's oil & gas assets across value chain.
• Details on the company’s history, key executives, business description, locations and subsidiaries.
• Product and brand updates, strategy changes, financial events.
• Latest mergers and acquisitions, partnerships or financings of the company including debt, equity or venture finance.

Reasons to buy

• A single source to fulfill all of your business and competitor intelligence needs
• Research your competitors’ business structure, strategy and prospects.
• Counter your competitors’ strengths and target their weaknesses.
• Identify your competitors’ key revenue streams by market and geography.
• Identify & assess potential corporate and investment opportunities
• Support sales activities by understanding your customers’ businesses better.
• Identify potential competitor products before they reach market.
• Qualify prospective partners and suppliers.

For more information, please visit :
http://www.bharatbook.com/detail.asp?id=75079
________________________________________________________________________________________

Nav dans la brume ... Une mongolfière apparait, première mise en ligne par Petitseb.

Hasard des rencontres sur le Golfe du Morbihan ce vendredi matin dans la brume.

Un pêcheur sur sa barque, en plein milieu de nulle part, une montgolfière survole le Golfe, ... Je crois que c'est avec ce genre de choses qu'on aime la nav' le matin, quand les touristes ne sortent pas encore :)

Nav dans la brume, première mise en ligne par Petitseb.

Rassurante et flippante bouée rouge de Roche Colas dans la brume ...

Rassurante car elle confirme que le cap est correct, que nous sommes sur la bonne voie, et, de surcroit, nous la prenons dans le bon sens ;)

Flippante, car nous l'avons repéré que très tard, autant dire que Guillaume, en avant de la flotille avec le bateau de sécu n'est probablement pas de trop pour éviter de taper.

Finalement, après Roche Colas, la brume se lèvre progressivement.

Nav dans la brume, première mise en ligne par Petitseb.

Je vous jure que quand vous devez slalomer entre les îles et les petits tas de cailloux du Golfe du Morbihan, et que vous êtes pris dans une telle brume, vous ne faites pas le fier.

On laisse tomber les voiles, on branche les moteurs, on allume les VHF et les GPS, on calcule les caps à suivre au quart de millimètre, on groupe la flotille, et roule, vaille que vaille, en faisant attention à la moindre ombre que nous distinguons dans la brume, qu'elle soit un relief, ou un autre bateau !

Expérience saisissante que cette brume qui nous drape dans un silence inhabituel en mer. Hormis les bateaux autour de notre flotille, nous ne voyons rien, même pas la côte que nous savons longer de près.

(NB : cette photo n'est pas exagérée : c'est bien la vue que nous avions réellement)

Coucher de soleil sur le mouillage, première mise en ligne par Petitseb.

Sur la pointe de l'Hours, dans le Golfe du Morbihan, instant marquant du stage2 marin, juste avant la veillée désert ...

Private joke : " oh un levé de lune ;) "