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Saturday, September 29, 2018

What to get in place of iPhone Xs Max -512 GB

I have a love and hate relationship with Apple. I love their Macbook air and earlier pros but hate their newly launched phones and newly launched macbook pros. This is especially because of their ludicrous prices for the same.
And for that ludicrous price you get even less functionality. Apple sometimes do innovate, if they don't innovate then they polish the features for sure. I will give them credit where it is due. Like- Magsafe charger ports, 3d touch, making fingerprints mainstream and awesome trackpad on laptops.
But iPhone XS Max is a beast of which wants more money than a 1060 GTX laptop.

This blog is just a rant if ever a 512 model is sold out which definitely would.
For the same price let's see how much features we can get-
1. Note-9 (Price-61900)

2. A noise cancelling headphone Bose QC35  (Price -29363)

3. A 400 GB class 10 microSD card
4. A smartwatch which need not to charge for 4 days minimum(Price around 29990 )

So what you got if you don't get the Max of iPhone Max(Mentioning the features which iPhone doesn't have)
  1. A phone with a stylus which acts as Remote
  2. A phone with headphone jack
  3. A phone with expandable memory slot(total of 528 GB including above memory card)
  4. A phone with larger battery
  5. A phone with fast charger included out of the box
  6. Best of the class wireless noise cancelling headphone
  7. A tizen powered smartwatch with almost a week of charge
and you would still paying less than 135K INR.(Combining all 4)

Also remember these 4 are not mediocre products, they are best in their class. 

This blog is to think outside of the box for your any of the investment and is not limited to iPhones only. Purchase what you need or may need in future not what you want just out of desire. Think usability vs spending price. In economical terms think about utility of your purchase always.

Lastly some points where iPhones exceed any android in the ordered fashion:
  1. Only iPhones can shoot 4k @60 fps right now- I am simply fan of this feature and kudos to Apple for doing it, but I have no use of it.
  2. faceId is unparalleled feature- but again, I can live without it.
  3. AR games- that's a great process technology wise.
  4. Better software updates- that's a good thing about apple that even iPhone5s is getting iOS12.

recently got updates about iPhone XS that it got few problems- 
 1. Beauty mode is on permanently in the front portrait mode.
2. Charging having some problem
I am not bashing apple for these issue, probably some software glitches.

#NotaSamsungFanInGeneral #ButNote9Rocks

Wednesday, August 8, 2018

Invite friends to test or develop your facebook app

You may want to test your app thoroughly before submitting to facebook for review. Facebook gives you freedom to do so. You can add developer and tester independently for your app.

Click on "Add Developers" or "Add Testers".

Wednesday, May 23, 2018

The new star in town - Mobiistar (Review XQ dual)

Whenever you want to invest your time and money, your natural instinct to go with the known and  established brands. But keeping your mind open help to get hands on new products from new companies can get you surprises. Sometime positives sometime negative. But keeping our mind open - is the most important thing in this era. It helps to rationalise your requirements with available options in the market.
What this rationalisation does-

  • Stops making  monopolistic companies. When you shop according to your need without bias- you may be surprise to know there are many alternatives available in the market which can satisfy your needs without burning hole in pocket as well as giving good utility at the same time. 
  • When you purchase a different product from lesser known company, it helps the new company build their confidence in their product as well revenue to continue their further product development.
Today I want to introduce you a new kid in the town - better known as mobiistar.  Mobiistar is a Vietnamese company focusing on expansion the horizons of mobile technology adoption with affordability. Mobiistar is launching in India with 2 handsets

  • XQ dual
  • CQ
Let's talk about XQ dual. I will dive directly why phone stands out. This phone come with a dual front camera(13+8 MP) with a price of _ INR. It covers 120° wide-angle shot to show the vivid background of single person shot or can be extremely helpful in group-selfies. This phone  doesn't only come with dual front camera it is also equipped with  430 Snapdragon processor, 3000 mAh battery , 13 megapixel back camera and 3GB RAM. The phone look and feel sturdy. With a metal back it should withstand daily wear and tear.

All these features in this price, I will surely give it a try. XQ dual come with the philosophy of 'Enjoy More' and I think its feature and price deserves to be #EnjoyMore .

Sunday, December 31, 2017

Portfolio Management in 2017

I had a book called "Intelligent Investor" from 2015 but couldn't get time to read it. Due to which my portfolio get good punishment in till the end of 2016. Here are the stats
  • Started investing from July 2015
  • Till Dec 2016. If my invested amount was x, it's market value was 0.9x
  • Means I was in overall loss of 10%.
  • Started reading investing books from Jan 2017.
  • After much juggling here are the stats after a year ie at the end Dec 2017.

    • Total amount invested, Y =1.8x
    • Total current market value= 2.25x (1.23Y)
    • Total dividends recvd      =  3.3% of x (1.8 % of Y=3.3% of yearly return)
    • Total profit booked          =8.6% of x   (4.7 % of Y=9% of yearly return)
    • Total profit perceived      =23%+1.8%+4.7%=29.5% of Y =34% of yearly return

As you can see this year I started with -10% return at the start of year to +30% overall return at the end of year. This may be a luck or hard work, I don't know. But I surely know one thing that "At the start of year I gave a target to myself that my portfolio's dividend should be around saving account's interest given by bank. And see I am pretty close to it. This 3.3% vs 3.5%. Where as you have to give 10% tax on saving account interest while dividends are tax free. If you give tax on 3.5% then effectively interest earned by saving account would be 3.15% which is less than what I earned in dividends. This was what wanted from my portfolio and I am happy to get it.

The purpose of this article is motivate people to come to financial knowledge. I am not suggesting to jump into share market by reading few books unless you want to keep track of your portfolio by yourself. Share market has been historically beaten inflation as well as Fixed deposit income. If you want to dive into it. Then I would prefer you to start with mutual funds. I have taken some mutual funds which gave me return more or less than mine. So why take the burden on yourself, study few mutual funds and start with small amount. Take long term approach in the share/equity market.

And last but not the least- Keep learning.