A nice article I found on www.realage.com
Walking shoes -- check. Pedometer -- got it. But do you have a goal?
No goal? Better set one. It doesn’t even matter if you hit the mark. People who put a target on their radar -- like walking 10,000 steps a day -- walk a whole lot more than people who don’t have a goal. Studies prove it.
The End Game -
Walking 10,000 steps a day is an ideal physical activity goal, according to new guidelines. And in a large review of the research, scientists discovered that people with this goal -- or a personalized step plan -- literally walked the extra mile, logging about 2,000 extra steps a day. Plus, when people tracked their progress with a pedometer, they lost weight and improved their blood pressure.
Tuesday, June 17, 2008
Go Green
The following link tells us about the 50 things to do to save our environment.
http://www.morganstanley.com/about/community/littlegreenebook/
http://www.morganstanley.com/about/community/littlegreenebook/
Friday, June 13, 2008
How are realized profits different from unrealized or so-called "paper" profits?
A good article I found on http://www.investopedia.com/
When buying and selling assets for profit, it is important for investors to differentiate between realized profits and gains, and unrealized or so-called "paper profits".Simply put, realized profits are gains that have been converted into cash. In order words, for you to realize profits from an investment you've made, you must receive cash and not simply witness the market price of your asset increase without selling. For example, if you owned 1,000 common shares of XYZ Corporation, and the firm issued a cash dividend of $0.50 per share, you would realize a profit of $500 from your investment. This is a realized profit because you have received the actual cash, which cannot be lost due to changes in the marketplace.
Similarly, let's say you purchased your 1,000 XYZ shares at $10 per share, for a total investment of $10,000. If XYZ Corp. were presently trading on the market for $15 per share and you sold all of your 1,000 shares on the open market at $15, you would realize a gain of $5,000 on your investment ($15,000 - $10,000).
Now, suppose that XYZ Corp.'s shares were trading at $15, but you believed they were fairly valued at $20 per share, and therefore, you were not willing to sell at $15. Because you would still be holding on to all of your 1,000 shares, you would have an unrealized, or "paper", profit of $5,000. Of course, if you have not closed out of your position and realized your gain, you could still lose some, or all, of your profits - and your principal as well.
On the other hand, because you have not realized your profit, you are not required to claim the gain as income; thus, by holding your shares instead of selling, you can potentially defer taxable income for a year (or many). Of course, the reverse is true for losses - realized losses can usually be claimed by investors as capital losses, offsetting other capital gains, while paper losses can not.
When buying and selling assets for profit, it is important for investors to differentiate between realized profits and gains, and unrealized or so-called "paper profits".Simply put, realized profits are gains that have been converted into cash. In order words, for you to realize profits from an investment you've made, you must receive cash and not simply witness the market price of your asset increase without selling. For example, if you owned 1,000 common shares of XYZ Corporation, and the firm issued a cash dividend of $0.50 per share, you would realize a profit of $500 from your investment. This is a realized profit because you have received the actual cash, which cannot be lost due to changes in the marketplace.
Similarly, let's say you purchased your 1,000 XYZ shares at $10 per share, for a total investment of $10,000. If XYZ Corp. were presently trading on the market for $15 per share and you sold all of your 1,000 shares on the open market at $15, you would realize a gain of $5,000 on your investment ($15,000 - $10,000).
Now, suppose that XYZ Corp.'s shares were trading at $15, but you believed they were fairly valued at $20 per share, and therefore, you were not willing to sell at $15. Because you would still be holding on to all of your 1,000 shares, you would have an unrealized, or "paper", profit of $5,000. Of course, if you have not closed out of your position and realized your gain, you could still lose some, or all, of your profits - and your principal as well.
On the other hand, because you have not realized your profit, you are not required to claim the gain as income; thus, by holding your shares instead of selling, you can potentially defer taxable income for a year (or many). Of course, the reverse is true for losses - realized losses can usually be claimed by investors as capital losses, offsetting other capital gains, while paper losses can not.
Wednesday, June 11, 2008
Portal for public grievances
Indian government has the following site to register administrative related complaints
http://pgportal.gov.in/index.html
http://pgportal.gov.in/index.html
Tuesday, June 3, 2008
The Best Place to Walk
A good article I found on www.realage.com
A walk on a treadmill or a walk in the park? Either one will get you fit, but the walk in the park may make you feel a whole lot better!
Research confirms it: Exercising in a green environment puts you in a better frame of mind than working out in a sterile gym. Go figure!
The Green Scene: In a study, people walked on a treadmill and viewed pictures of urban areas or images of rural scenes with lots of green spaces. The result? Besides bringing down blood pressure, viewing the green scenery improved energy and activity levels, raised self-esteem, and boosted mood.
A walk on a treadmill or a walk in the park? Either one will get you fit, but the walk in the park may make you feel a whole lot better!
Research confirms it: Exercising in a green environment puts you in a better frame of mind than working out in a sterile gym. Go figure!
The Green Scene: In a study, people walked on a treadmill and viewed pictures of urban areas or images of rural scenes with lots of green spaces. The result? Besides bringing down blood pressure, viewing the green scenery improved energy and activity levels, raised self-esteem, and boosted mood.
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