ulip vs mutual fund......

Mutual Fund are pure investments. ULIP are combination of Insurance and Investment.

First question that we need to answer while buying ULIP is - Do I need to buy insurance?

1) Does the person seeking insurance have any financial liabilities?
2) If something happens to the person, Is there someone who can be in a financial crisis?

1) Insurance
ULIPs provide you with insurance cover.
MFs don’t provide you with insurance cover.

A point in favor of ULIPs. But let me tell you that you don’t get this insurance cover for free. Mortality charges (i.e. the price you pay for the insurance cover) get deducted from your investment.

2) Entry Load
ULIPs generally come with a huge entry load. For different schemes, this can vary between 5 to 40% of the first years premium.
MFs do not have any entry load.

Tax saving MF ( Popularly called as Equity Linked Saving Scheme or ELSS) come with a lock-in period of 3 years. Other MFs don’t have a lock-in period. Again MFs have advantage over ULIPs. ULIPs do allow you to take money out prematurely but they also put penalties on you for doing that.

shares

1. You own a part of the business

.

The good news is, since you own part of the company, you are entitled to a share in its profits.

The bad news is that you are also expected to bear the losses, if any.

2. In the short-run, the price of the share can wildly fluctuate

Let's say the company fixes the price of each share at Rs 10. This is called the face value of the share.

When the share is traded in the stock market, this value may go up or down depending on supply of and demand for the stock.

If everyone wants to buy the shares, the price will go up. If nobody wants to buy the shares, and many want to sell them, the price will fall.

The value of a share in the market at any point of time is called the 'price of the share' or the 'market value of a stock'.

A share with a face value of Rs 10 may be quoted at Rs 55 (higher than the face value) or even Rs 9 (lower than the face value).

So you might have paid Rs 15 for a share which is now quoting at Rs 12. Don't panic and sell. If it is a good company, the share price will eventually rise.

The prices will get influenced by the market sentiment and the general direction of the market. As a result, you may see short-term slumps.

4. Decide how much you want to invest

5. Don't rely solely on 'good advice'

It doesn't matter who is buying the stock or who is recommending it. Steer clear of such ways of making a fast buck. These tips will land you in a soup.

When you hear of a 'hot tip', dig further.

6.. There are many things to remember when you buy shares. stop loss, short sell, Intraday, Delivery, Cash trade e.t.c.

http://www.sharemarkettheory.blogspot.com

software architecture

Software architecture is the set of decisions the software architect makes.

The Role of the Software Architect

giving the demo of software

• do's
  
• demo is all about demonstrating your product
• you will live or die by your product
• you should believe in your product and its ability to shine ,so let it shine
• gimmick to show value your product skit ,role playing,video etc.
• a while few laugh keep the audience engaged
• . Leave room for spontaneity (or at least appear like you have).
• Have fun. DEMO is fun. That's why people like it
• . Have a backup plan.
• Practice piece by piece.
• Practice in front of people.
• Practice with distractions.
• Find your speaking style
• Practice hand gestures.
• Find your comfort zone.

donts

• Don't praise your own product.
• Don't use a tag line.
• Don't say what you're looking for out of your DEMO.
• Don't try to be funny if you aren't funny.
• Don't sing.

for getting time difference in two time stamp in minutes for session

for getting time difference in two time stamp in minutes for session

SELECT TIMESTAMPDIFF(MINUTE,`last_update`,CURRENT_TIMESTAMP ) FROM sessions;

thanks
rahul