Sunday, December 18, 2016

Flipkart Big Shopping Days sale: OnePlus 3 at Rs 18,999; Pixel, iPhone 7 exchange offers and other deals

Flipkart Big Shopping Days sale: OnePlus 3 at Rs 18,999; Pixel, iPhone 7 exchange offers and other deals

It is the end of the year, and Flipkart wants to ring in Christmas early for shoppers with its Big Shopping Days sales festival. The Big Shopping Days sales will start from today and go on till 21 December. As is the case with Flipkart’s sales, there are a lot of electronics deals on offer. Here are some the most interesting deals that you should look out for.
OnePlus 3 at Rs 18,999

Friday, February 27, 2009

101 Reson for Stay Single

The Big List Of The Benefits Of Bachelorism

1. Everything in your house is yours.

2. You don't have to hide gifts, receipts, and other purchase records in ridiculous places.

3. If you buy something "yummy", you don't have to buy twice as much.

4. The only person you have to dress up for is your boss.

5. Your late nights are all yours.

6. Less stuff to move when you do move

7. One bedroom apartments feel more spacious with only one person

8. You never have to ask for permission to orgasm.

9. Only the doctor can tell you what to eat

10. You decide what to shave and when

11. Valentines day costs less

12. No anniversaries to remember

13. No extra birthdays to remember

14. No extra family to shop for during the holidays

15. No irritating in-laws to deal with

16. You can walk around naked whenever you want.

17. Only your sense of decency has any say about where you leave your dirty clothes.

18. You don't have to share

19. You don't have to change your life because someone else has jealousy issues.

20. The only insecurities you have to deal with are your own.

21. Getting that out-of-state job doesn't hinge on what someone else wants or thinks.

22. The only people complaining about music volume are the neighbors.

23. You can fall asleep anywhere without getting any guff for it in the morning.

24. You don't have to use the "headache" excuse anymore.

25. You don't have to worry as much about the "oops, I'm pregnant" factor.

26. The only person who goes through your stuff is you.

27. The only person who sees your inbox is you.

28. More time to spend with friends.

29. You don't have to live with someone who can't stand your parents.

30. If you want to go for pizza at 3am, no one stops you or asks you why.

31. You can date more freely.

32. The cute secretary is fair game.

33. The whole wedding mess? Yeah, none of that to deal with.

34. You don't have to share your closet with anyone else.

35. You always get to watch what you want.

36. You always get to read what you want.

37. You decide when to crawl into bed.

38. You can throw yourself into bed and snore without dire consequences.

39. No one else's annoying (or disgusting) habits to deal with at home.

40. The only fetishes you have to deal with are your own.

41. You can talk to yourself without people saying "what?" or worrying about your sanity.

42. There are religious benefits, if you're into that kind of thing.

43. Single people can still adopt, if you're into that kind of thing.

44. The only annoying friends you have to deal with are your own.

45. You don't ever have to wonder if you really love the person you live with.

46. There's only one way to do things- your way.

47. You are the master of the thermostat.

48. The only messes you have to clean up are your own.

49. The only disasters you have to fix are your own.

50. If an argument starts, you can walk away... forever.

51. You don't have to make excuses for yourself.

52. The whole "old maid" thing is so last century.

53. Dinner can be as simple as a frozen burrito.

54. When you eat, you buy and cook for one.

55. No one else is going to eat your leftovers.

56. No one else is going to raid your stash of sweets (you don't even have to hide it!)

57. You don't have to share your bed with anyone.

58. You can even eat in bed if you want to.

59. You can decorate the entire house according to your taste.

60. The only person spending your money is you.

61. Three words: Marriage Tax Penalty.

62. The only debts you have to pay off are your own.

63. Kids with single parents can get more financial aid.

64. Bickering couples are at best a relieving reminder and at worst hilarious.

65. Less pressure about body weight.

66. Married people are fatter on average anyway.

67. Suddenly, it's okay to look (and flirt).

68. It's easier to focus on your career and your dreams.

69. You're the only person who gets to decide if you "need to make more money."

70. The only mood swings you have to deal with are your own.

71. There are a lot of lonely and violently psychopathic people out there.

72. You don't have to change your religious beliefs one bit.

73. There are 6.5 Billion other fish in the sea. That's 6,500 x 1 million. Yeah.

74. Porn is cheaper, easier, and comes in more varieties.

75. The toilet seat only moves when you move it.

76. Cohabitation is legal, fun, and less of a hassle than marriage.

77. You don't have to deal with someone else's kids all the time.

78. Divorce is pricey.

79. You don't have to deal with "compliment fishing."

80. Fewer minutes spent with a phone attached to your ear.

81. No endless nagging.

82. You never have to answer the phone "right now!"

83. You can drink what you want, where you want, and as much as you want.

84. No doubts or worries about someone sleeping around.

85. Things stay where you put them.

86. You can meditate and have your quiet time when you need it.

87. The only thing whining about not being fed is your cat.

88. You can take out the trash when you feel like it.

89. You can shower or bathe when you want, as often as you want, for as long as you want.

90. You can even leave the door open when you shower.

91. The longer you wait, the better you know yourself, instead of someone else.

92. Children learn how to treat themselves by watching how you treat yourself.

93. A bad relationship is like a lingering knife wound- it continues to ruin your whole day.

94. You can be as eccentric as you want.

95. Your car can be as dirty or unusual or artistic as you want.

96. You decide how long it takes to get ready.

97. Say goodbye to heartache, dumping, and being dumped.

98. You get your weekends for you and your projects.

99. You can be the wild friend with all the really juicy stories.

100. You can still get laid. Maybe even more often. Certainly with more variety.

101. Being single and staying single isn't selfish. It should be seen as putting your happiness first (Where it should be.)

Sunday, September 21, 2008

How and Why Do Companies Pay Dividends?

Look anywhere on the web and you're bound to find information on how dividends affect stockholders: the information ranges from a consideration of steady flows of income, to the proverbial "widows and orphans", and to the many different tax benefits that dividend-paying companies provide. An important part missing in many of these discussions is the purpose of dividends and why they are used by some companies and not by others. Before we begin describing the various policies that companies use to determine how much to pay their investors, let's look at different arguments for and against dividends policies
Arguments Against Dividends
First, some financial analysts feel that the consideration of a dividend policy is irrelevant because investors have the ability to create "homemade" dividends. These analysts claim that this income is achieved by individuals adjusting their personal portfolios to reflect their own preferences. For example, investors looking for a steady stream of income are more likely to invest in bonds (in which interest payments don't change), rather than a dividend-paying stock (in which value can fluctuate). Because their interest payments won't change, those who own bonds don't care about a particular company's dividend policy.

The second argument claims that little to no dividend payout is more favorable for investors. Supporters of this policy point out that taxation on a dividend is higher than on a capital gain. The argument against dividends is based on the belief that a firm that reinvests funds (rather than paying them out as dividends) will increase the value of the firm as a whole and consequently increase the market value of the stock. According to the proponents of the no dividend policy, a company's alternatives to paying out excess cash as dividends are the following: undertaking more projects, repurchasing the company's own shares, acquiring new companies and profitable assets, and reinvesting in financial assets.

Arguments For Dividends
In opposition to these two arguments is the idea that a high dividend payout is important for investors because dividends provide certainty about the company's financial well-being; dividends are also attractive for investors looking to secure current income. In addition, there are many examples of how the decrease and increase of a dividend distribution can affect the price of a security. Companies that have a long-standing history of stable dividend payouts would be negatively affected by lowering or omitting dividend distributions; these companies would be positively affected by increasing dividend payouts or making additional payouts of the same dividends. Furthermore, companies without a dividend history are generally viewed favorably when they declare new dividends.

Dividend-Paying Methods
Now, should the company decide to follow either the high or low dividend method, it would use one of three main approaches: residual, stability, or a compromise between the two.

Residual
Companies using the residual dividend policy choose to rely on internally generated equity to finance any new projects. As a result, dividend payments can come out of the residual or leftover equity only after all project capital requirements are met. These companies usually attempt to maintain balance in their debt/equity ratios before making any dividend distributions, which demonstrates that they decide on dividends only if there is enough money left over after all operating and expansion expenses are met.

For example, let's suppose that a company named CBC has recently earned $1,000 and has a strict policy to maintain a debt/equity ratio of 0.5 (one part debt to every two parts of equity). Now, suppose this company has a project with a capital requirement of $900. In order to maintain the debt/equity ratio of 0.5, CBC would have to pay for one-third of this project by using debt ($300) and two-thirds ($600) by using equity. In other words, the company would have to borrow $300 and use $600 of its equity to maintain the 0.5 ratio, leaving a residual amount of $400 ($1,000 - $600) for dividends. On the other hand, if the project had a capital requirement of $1,500, the debt requirement would be $500 and the equity requirement would be $1,000, leaving zero ($1,000 - $1,000) for dividends. If any project required an equity portion that was greater than the company's available levels, the company would issue new stock.




Stability
The fluctuation of dividends created by the residual policy significantly contrasts with the certainty of the dividend stability policy. With the stability policy, companies may choose a cyclical policy that sets dividends at a fixed fraction of quarterly earnings, or it may choose a stable policy whereby quarterly dividends are set at a fraction of yearly earnings. In either case, the aim of the dividend stability policy is to reduce uncertainty for investors and to provide them with income.

Suppose our imaginary company, CBC, earned the $1,000 for the year (with quarterly earnings of $300, $200, $100, $400). If CBC decided on a stable policy of 10% of yearly earnings ($1,000 x 10%), it would pay $25 ($100/4) to shareholders every quarter. Alternatively, if CBC decided on a cyclical policy, the dividend payments would adjust every quarter to be $30, $20, $10 and $40 respectively. In either instance, companies following this policy are always attempting to share earnings with shareholders rather than searching for projects in which to invest excess cash.

Hybrid
The final approach is a combination between the residual and stable dividend policy. Using this approach, companies tend to view the debt/equity ratio as a long-term rather than a short-term goal. In today's markets, this approach is commonly used by companies that pay dividends. As these companies will generally experience business cycle fluctuations, they will generally have one set dividend, which is set as a relatively small portion of yearly income and can be easily maintained. On top of this set dividend, these companies will offer another extra dividend paid only when income exceeds general levels.

Conclusion
If a company decides to pay dividends, it will choose one of three approaches: residual, stability or hybrid policies. Which a company chooses can determine how profitable its dividend payments will be for investors - and how stable the income.