Beware of Bouncing Demand Drafts!
So, you thought that demand drafts can't bounce. Banish such naivete! Read on:
Regards,
N
Friday, 5 September 2008
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The author is Naren, an independent thinker presently based at Chennai, India. Naren has an opinion on a range of issues. Will keep expressing them from time to time for the perusal of the world at large! He loves to receive feedback (Especially positive ones!) This blog will focus on matters pertaining to the wide world of finance, investments, thrift, etc. While reading, he'd like you to enjoy this blog and use its inputs effectively after reading the disclaimer at the bottom!
Please note the following points:
(1) Views expressed in this blog, including comments, are entirely personal and not meant as a specific recommendation to a particular individual. On the contrary, it is intended to make the readers think for themselves about the specific point of view that is expressed.
(2) It is based on the perfectly imperfect knowledge and wisdom (or lack of the same) of the author (of the blog or the original author of the content of the specific post), and to that extent, may at times appear to be (or actually be) biased. After all, the author is also human.
(3) The various posts on this blog represent the author's views / thoughts / observations at the time of posting the original entry. If the post is based on an external source, wherever the specific source is known, if something has been noted from another source (newspaper, website, etc.), the author of this blog will acknowledge the origin (and if possible, will also provide a link to the original article, news item, etc. The copyright of such articles, news items, etc. will continue to belong to those who are the original contributors of the same.
(4) The author reserves his right to change his mind from time to time and, as a result, post subsequent blogs which may appear to contradict earlier posts.
(5) He would love to take credit for his ability to either be firm in his convictions or for his ability to be flexible enough to change his opinions from time to time based on experience. Either way, he would love to take credit for the contents of the blog.
(6) And, no debits please! The author loves bouquets, but hates brickbats! This blog is only an expression of opinion and not a recommendation of any kind. The author will not compensate you in any way whatsoever if you ever happen to suffer a loss/inconvenience/damage because of/while making use of information in this blog.
(7) Considering his love to take credit, he would like you to give a clear reference to his blog's link whenever you quote from this blog (preferably in big bold legible fonts, with all due bells and whistles)!
(8) Feel free to challenge, disagree, dispute, question, or otherwise express your dissatisfaction of the contents in the comments section of each blog entry. But the author reserves the right to delete any comment for any reason whatsoever (abusive, profane, rude, or anonymous comments - or even just because he wishes to delete a comment for no reason!) - So keep it polite, please.
(9) Please do not give your personal information or any other confidential information (especially contact info) while sharing your comments. At the maximum, you may wish to add your email ID which can be used by the author if he wishes to get in touch with you directly. The net is a potentially unsafe and insecure place, with all sorts of hackers, et al, despite its great utility on a day-to-day basis!
(10) Please remember that Mr. N is likely to have a stake (both a financial stake and a stake of "image") in his views as expressed on this blog. Wherever possible, he will explicitly mention appropriate disclosures. However, it is safe to assume that he does, indeed have a personal interest in the views / thoughts / recommendations expressed by him on this blog.
One final note: If your comments agree, appreciate, praise-to-the-sky, laud, thank, or otherwise give any kind of positive feedback about the contents of this blog, they have a better chance of staying on the blog without being deleted!
Awareness of financial issues, especially on the personal front is minimal even among highly educated professionals, including quite a few "Finance Professionals". This blog is intended to be of some value addition to anyone who cares about his/her personal finance. The focus will be on the Indian situation, though the principles will be applicable the world over..... (Please read the disclaimer at the bottom of this page without fail)
About the Author
The author is Naren, an independent thinker presently based at Chennai, India. Naren has an opinion on a range of issues. Will keep expressing them from time to time for the perusal of the world at large! He loves to receive feedback (Especially positive ones!) This blog will focus on matters pertaining to the wide world of finance, investments, thrift, etc. While reading, he'd like you to enjoy this blog and use its inputs effectively after reading the disclaimer at the bottom!
Power of Compounding - It counts!!!
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Behavioural Finance Fundas
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Just for Beginners
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Power of Compounding
Risk
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Warren Buffett
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Disclaimer & other points to note
Please note the following points:
(1) Views expressed in this blog, including comments, are entirely personal and not meant as a specific recommendation to a particular individual. On the contrary, it is intended to make the readers think for themselves about the specific point of view that is expressed.
(2) It is based on the perfectly imperfect knowledge and wisdom (or lack of the same) of the author (of the blog or the original author of the content of the specific post), and to that extent, may at times appear to be (or actually be) biased. After all, the author is also human.
(3) The various posts on this blog represent the author's views / thoughts / observations at the time of posting the original entry. If the post is based on an external source, wherever the specific source is known, if something has been noted from another source (newspaper, website, etc.), the author of this blog will acknowledge the origin (and if possible, will also provide a link to the original article, news item, etc. The copyright of such articles, news items, etc. will continue to belong to those who are the original contributors of the same.
(4) The author reserves his right to change his mind from time to time and, as a result, post subsequent blogs which may appear to contradict earlier posts.
(5) He would love to take credit for his ability to either be firm in his convictions or for his ability to be flexible enough to change his opinions from time to time based on experience. Either way, he would love to take credit for the contents of the blog.
(6) And, no debits please! The author loves bouquets, but hates brickbats! This blog is only an expression of opinion and not a recommendation of any kind. The author will not compensate you in any way whatsoever if you ever happen to suffer a loss/inconvenience/damage because of/while making use of information in this blog.
(7) Considering his love to take credit, he would like you to give a clear reference to his blog's link whenever you quote from this blog (preferably in big bold legible fonts, with all due bells and whistles)!
(8) Feel free to challenge, disagree, dispute, question, or otherwise express your dissatisfaction of the contents in the comments section of each blog entry. But the author reserves the right to delete any comment for any reason whatsoever (abusive, profane, rude, or anonymous comments - or even just because he wishes to delete a comment for no reason!) - So keep it polite, please.
(9) Please do not give your personal information or any other confidential information (especially contact info) while sharing your comments. At the maximum, you may wish to add your email ID which can be used by the author if he wishes to get in touch with you directly. The net is a potentially unsafe and insecure place, with all sorts of hackers, et al, despite its great utility on a day-to-day basis!
(10) Please remember that Mr. N is likely to have a stake (both a financial stake and a stake of "image") in his views as expressed on this blog. Wherever possible, he will explicitly mention appropriate disclosures. However, it is safe to assume that he does, indeed have a personal interest in the views / thoughts / recommendations expressed by him on this blog.
One final note: If your comments agree, appreciate, praise-to-the-sky, laud, thank, or otherwise give any kind of positive feedback about the contents of this blog, they have a better chance of staying on the blog without being deleted!
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