Kumanan Murugesan

1. Do not have emotional attachment to any stock.
2. If the price of any stock goes down by 8% in your portfolio, simply sell it

I don't remember any of the other steps.I simply sold all the stocks that I had as all of them met those criteria. In the end I got a $700 loss. I only bought well known companies like oracle,cisco,coco cola,nokia,sun micro systems.

The mistake I made was

I did not really do any fundamental analysis. The companies are still great companies but are the price of the stock worth the value?

The price of the stock was so high when compared to the earnings. Since every company was having the same trend. I simply overlooked.

Now I just finished reading an excellent book "Getting started in Value Investing". That book deserves a 5 star rating.

I believe everybody should read that book if they want to invest in stocks.

You dont need to have a Phd in finance to invest in stock market.

I know many of my friends simply invest in stocks with no reasoning on why they are buying that particular stock.

After reading that book, I have disciplined myself in investing stocks. I am going to sincerely follow the investment principles of Mr Buffet.

1. Pay all your debt
2. You have to be patient
3. Invest the money that you don't need for the next five years
4. Do not put all eggs in one basket. Diversify Diversify Diversify
5. Invest in well known companies and huge companies(>10 billion)
6. Analyse their fundamentals( P/E, EPS, Operating margin, consistent dividends, rich in cash reserves and less debt, consistent increase in earnings, return on shareholder equity, ).

Compare this with the industry that they belong to and with their competitors.

If you ask me how you can know what all these ratios and how to intrepret them buy the book that I mentioned in this post.

Here is my portfolio and I am going to wait for 5 years. Lets see what happens.

1. Intelligent Investor
2. Mortgage rip-Offs and Money Savers
3. The Warren Buffet Way
4. Sensible Stock Investing
5. Nolo's Essential Guide to Buying your First Home.

1. I-485 ($395) I-485 ($225 under 14)
2. G-325A G-325A G-325A (if 14 and older)
3. I-693 Immigration Medical I-693 Immigration Medical I-693 Immigration Medical
4. I-693 Supp – Immunization Chart I-693 Supp – Immunization Chart I-693 Supp – Immunization Chart
5. I-765 ($180) I-765 (optional) I-765 (optional)
6. I-131 ($170) I-131 (optional) I-131 (optional)
7. I-134 (if filing for dependents too)
8. **I-134 Affidavit of Support: Principal alien is required to complete, sign and have notarized a separate I-134 for each dependent.

1. Photocopy of I-140 Approval Notice
2. Two Passport Size Photographs per application–Instruction sheet attached
3. Photocopy of I-94 Arrival Departure Record – front and back away from passport
4. Photocopy of all immigration status documents (I-20 / IAP-66 (DS2019) / EAD / I-797 Approval Notices)
5. Photocopy of all Passports used to enter the U.S. – all pages (color copies if possible)
6. Photocopy of Birth Document
7. Photocopy of Marriage Document
8. Photocopy of Divorce Documents – if Applicable
9. Last year of Tax documents – 1040 & W2 forms
10. Current proof of employment – employer letter and/or 3 most recent pay stubs

1. Two Passport size photographs per application
2. Photocopy of all passports used to enter the U.S. – all pages (color copies if possible)
3. Photocopy of current arrival/departure record (I-94) – separated form passport, front and back
4. Photocopy of all U.S. Status documents – Approval Notices, Receipt Notices, I-20, IAP66 (DS2019)
5. Photocopy of birth document
6. Photocopy of marriage document
7. Photocopy of termination of marriage documents – if applicable.

1. Two Passport size photographs per application
2. Photocopy of all passports used to enter the U.S. – all pages (color copies if possible)
3. Photocopy of current arrival/departure record (I-94) – separated form passport, front and back
4. Photocopy of all U.S. Status documents – Approval Notices, Receipt Notices, I-20, IAP66 (DS2019)
5. Photocopy of birth document

I recently joined one more user group in Boston and that is the "Boston .NET Architecture Study Group".

Adapter - Provide the interface that a client expects, using the services of a class with a different interface.

Façade - Provide an interface that makes a subsystem easy to use.

Composite - Allow clients to treat individual objects and compositions of objects uniformly

Bridge - Decouple an abstraction (a class that relies on abstract operations) from the implementation of its abstract operations so that the abstraction and its implementation can vary independently.

Singleton - Ensure that a class has only one instance, and provide a global point of access to it.

Observer - Define a one-to-many dependency among objects so that when on object changes state, all of its dependents are notified and updated automatically.

Mediator - Define an object that encapsulates the way a set of object interact. This keeps the objects from referring to each other explicitly and lets you vary their interaction independently.

Proxy - Provide a placeholder for another object to control access to it.

Chain of Responsibility - Avoid coupling the sender of a request to its receiver by giving more than one object a chance to handle the request.

Flyweight - Use sharing to support large numbers of fine-grained objects efficiently.

Builder - Move the construction logic for an object outside the class to instantiate

Factory Method - Define the interface for creating an object while retaining control of which class to instantiate.

Abstract Factory - Provide for the creation of a family of related or dependent objects.

Prototype - Provide new objects by copying an example.

Memento - Provide for the storage and restoration of an object’s state.

Template Method - Implement and algorithm in a method, deferring the definition of some steps of the algorithm so that other classes can supply them.

State - Distribute stat-specific logic across classes that represents an object’s state.

Strategy - Encapsulate alternative strategies (or approaches) in separate classes that each implement a common operation.

Though I have been working the Software Industry for over 8 years, I am yet to become an architect. I have interacted with many architects in my previous assignments. Each one of them had different background,different academic qualifications but one thing was common. That was EXPERIENCE . I am sure many of you would wondering what it takes to be an Architect. These are following responsibilities of an Architect. This is not all inclusive.

1. Support business visioning and scoping activities
2. Translate between business and IT requirements
3. communicate with stakeholders both within business and IT
4. Weigh different interests
5. Determine solution alternatives
6. Create viable and feasible design
7. Choose solutions
8. Manage quality
9. Manage Complexity
10. Mitigate Risks
11. Communicate

In just two days time, I became very comfortable at some of the design patterns. Not just theory but how and where those patterns are applied and best situations to apply those patterns. I listened to one more podcast on user experience. It looks like you will really get something out of it.

The interviews are given by the experts in the .NET and business domain. So next time you do something different and somebody questions you, you could definitely say that Scott Guthrie advises to use typed datasets or something.

so check out this site for more podcasts on .NET technology .

http://polymorphicpodcast.com

One more interesting thing to note is "One project manager's qualification is B.com (distance learning) .

1.  Head First Java
2. Head First Servlets and JSP.
3. Head First EJB.

Picture taken in Charleston Battery on July 4, 2005