Sunday 24 March 2019

Manage Mutual Fund Portfolio using Google Sheets

Do you hold a mutual fund portfolio, want to understand a snapshot in a easy to maintain way?  If so, please read on.


  1. Create a spreadsheet on Google Spreadsheets.  Name the spreadsheet as you need.
  2. Let us create a sheet and name the sheet as "NAV".  This sheet will hold all the latest NAV and will be updated with latest price automatically.  Let us visit this sheet later for automating the price update.
  3. Now, let us create a new sheet, call it "Portfolio".  
  4. Create columns in the 1st row as follows:
    • AMFI Scheme ID
    • Account Number
    • AMC
    • Scheme Name
    • Unit Balance
    • Cost - Dividends
    • Value
    • Returns
    • Return (%)
    • AV Cost / Unit
    • NAV
    • NAV Date
  5. Let us shift the tab to "NAV".  In the column A1 enter the formula as
    • =IMPORTDATA("https://www.amfiindia.com/spages/NAVAll.txt")
  6. This will update the NAV automatically and we will use this data to update information in our portfolio.  This will have following columns now:
    • Scheme Code
    • ISIN Div Payout / ISIN Growth
    • ISIN Div Reinvestment
    • Scheme Name
    • Net Asset Value
    • Date
  7. Now find the scheme you have invested in from the NAV tab and get the Scheme Code and copy to AMFI Scheme ID column on "Portfolio" sheet.  Similarly you can copy the Scheme Name.
  8. Get your statement from the AMC and update the Unit Balance, Cost - Dividends columns.
  9. In the "Portfolio" sheet enter the formula against NAV
    • =INDEX(SPLIT(VLOOKUP(A2&"*",NAV!$A$1:$A$20501,1,false),";"),,5)
  10. In the "Portfolio" sheet enter the formula against NAV Date
    • =INDEX(SPLIT(VLOOKUP(A2&"*",NAV!$A$1:$A$20501,1,false),";"),,6)
  11. Value column is the product of Units x NAV
  12. Returns is Value-(Cost-dividends)
  13. Return % is Returns / (Cost-dividends)
  14. AV Cost / Unit is (Cost-dividends) / Unit Balance
  15. Now create a summary line in the bottom for Cost-Dividends, Value, Returns and Return %
Voila! Your portfolio will be updated automatically when you open the spreadsheet.  Just ensure you update unit balance and cost-dividends for accurate computations.


Wednesday 16 January 2019

Calendar Finance

Do you use Calendar for time management? Do you also track your finance?  Have you thought about managing finance using Calendar!!  Yes, this article helps you do manage your finance using Google Calendar.

Collect Data 

Get credentials to login your bank account.  Most of the banks provide ability to download CSV or Excel format. Some banks provide facility to download OFX, if so, convert them into CSV.

Prepare the Collected Data

Prepare the CSV with the following columns:
1. Subject: Concatenate all the details except Date in this field
2. Start Date: Date of the transaction
3. End Date: Date of the transaction
4. All Day Event: True
5. Private: True

Save the CSV file.

Google Calendar Settings

In order to perform settings, select a calendar (create a new calendar, this is suggested) using the settings.  Next click on the Import/Export -> Import.  In this process Navigate to the file created in the previous step and select the calendar.  Finally click on the "Import" button.

Review the Data

Review the calendar by the date, all the transactions pertain to the date are displayed on the top of the day.  



Friday 31 August 2018

Cognitive Distortions - Catastrophising

Cognitive Distortion - Catastrophising



Here you tend to completely blow things out of proportion and make them out to be a lot worse than they should be. The reality of the situation might be quite insignificant and small. However, because you’re in the habit of catastrophising, you always tend to make your problems larger than life — thereby making your problems even more difficult to overcome.

For appointments email nirmalam.lifestyle@gmail.com or whatsapp +919491886881

Saturday 4 November 2017

Video Counselling

Video Counselling


Allows you to have your customized approach to feeling better Right from your home or office directly from your Mobile!

Video Counselling can provide you support and guidance through those challenging times and situations in life.

Video Counselling is done via video conferencing with Google Duo. You have confidential, direct face-to-face communication with a therapist who will provide you with a customized and holistic approach to help you find solutions to your issues of concern. There is no need to leave your home or office!

Online Therapy is NOT suitable for mental health emergencies or crisis intervention, please go to your local hospital or health care facility!

Benefits

  • Those with mobility Issues
  • Busy executives
  • Non-local client
  • Existing in-person clients who are travelling and your own home or office provides:Convenience
  • No travel time
  • Ability to work with a non-local therapist
  • Privacy

How do I make an appointment?

Using video conferencing services we are able to talk ‘face-to-face.’ A free video phone service is Google Duo. It can be downloaded here from the here.

Appointments are pre-paid. Once you have purchased a block of time, the appointment is scheduled via email. Purchase your session(s) then contact us or we will contact you within 24 hours.

We will then send you an ‘Pre Session Form’ that must be completed and returned by your second session.

We meet online at the agreed upon time. Just like in-person appointments, 24 hours notice is required to cancel or re-schedule.

How effective is Video Counselling verses in-person therapy?

Online video counselling has been proven to be effective in many cases. Many issues can be discussed, and worked on in this format in the same manner as we would in-person.

There are certain conditions and issues that are not suitable for online therapy such as mental health emergencies and matters of crisis. Certain other conditions and challenges are best dealt with in-person and your therapist will address this possibility in your introductory session if necessary.

Please email to nirmalam.lifestyle@gmail.com to book an appointment or whatsapp +919491886881

Sunday 21 August 2016

Psychological Hygine

On last Thursday I met a 85 years old gentleman making great effort came to attend a meeting called by my colony secretary.  While waiting for others to join the meeting, we both were talking for a while.  He was kind enough with my broken Telugu!  During the conversation I came to know that post retirement he and his wife are staying alone while kids are either in US or elsewhere.  This gentleman is feeling loneliness.  This used to be common in western world where beyond 18 your kids live alone.  But, Indian family system is more closely netted family with parents and kids living in a same place.  Now this disease is gripping India also!! This opens up a new area of illness which is very difficult to distinguish like physical illness, yes this is called psychological illness.

Loneliness


Loneliness creates a deep psychological wounds one that distorts our perception and scrambles our thinking.  It makes us believe that those around us care much less than they actually do.  It makes us afraid to reach out because why set yourself up for rejection and heartache when your heart is already aching more than you can stand.

Loneliness is defined purely subjectively.  It depends solely on whether you feel emotionally or socially disconnected from those around you.  There is a lot of research on loneliness, and all of it is horrifying.  Loneliness won't just make you miserable but it will kill you.  Chronic loneliness increases chance of early death by 14 percent.  Loneliness causes high blood pressure, high cholesterol.  It even supress functioning of your immune system, making you vulnerable for many diseases.  Scientists have concluded that long term loneliness has significant risk to your health equal to cigarette smoking.  Cigarette packets come with warning that "smoking could kill you", but loneliness does not.

Thus it is import that we prioritize our psychological health that we practice emotional hygiene. Because, you can't treat a psychological wound if you don't know if you are injured.

Pay attention to psychological wounds, consult a Mental health professional (Psychologist or Psychiatrist).


Failure

In a day care center where three toddlers were playing with identical plastic toys, one need to slide the red button and a cute puppy would popup.  One girl tried and her lower lip was trembling, another boy watched this and burst into tears without even touching the box. While the third kid tried everything possible and did not managed to slide the button and was screamed. Three different reactions to the same task for failure.

This happens in adults as well, in fact we all have a default set of feelings and believes that get triggered whenever we encounter frustrations and setbacks. Are you aware how your mind would react to failure? You need to be. Because if your mind convinces you that you are incapable of something and you believe it, then like first two toddlers you will begin to feel helpless and you will stop trying too soon, or you won't even try to all.  And then you will be even more convinced that you can't succeed.  This is the reason many in the society function below their actual potential.  Because, somewhere along the way, sometimes a single failure convinced them that they couldn't succeed, and they believed it.  Once we become convinced of something, its very difficult to change our mind.  So it might be very natural to feel demoralized and defeated after you fail.  But you cannot allow yourself to become convinced you can't succeed.

You have to fight feeling of helplessness. You have to gain control over the situation.  You have to break this kind of negative cycle before it begins.

Our feelings and mind are not trust worthy friends as we thought. They are like a moody friend who can be totally supportive once and really unpleasant the next.

Rejection


Rejection is extremely painful. We think about all our faults and all our shortcomings, what we wish we were and what we wish we were not, we call ourselves names.  This is because our self-esteem is already hurting, why would we go and damage further? We don't do physical cut, but we do all the time psychologically.  Why?  Because of our poor emotional hygiene. We don't prioritize our psychological health.  Based on studies it is known that when your self-esteem is lower you are vulnerable to stress and anxiety that failure and rejection hurt more and it takes longer time to recover from them.

How to overcome? When you experience failure or rejection, first revive your self-esteem.  When you are in any emotional pain, treat yourself with the same compassion you would expect from a true friend. Catch unhealthy psychological habits and change them.

Rumination


One of the unhealthy habit is rumination, that is replaying the scene over and over again in your head for days or even months. This can easily turn into a habit, very costly one for you.  By spending so much time thinking about the event negative, you are actually putting yourself at significant risk for developing clinical depression, alcoholism, eating disorder and even cardio-vascular disease.

The problem is the urge to ruminate can really strong and very important, so it is difficult habit to stop. Do you just two minutes of distraction is sufficient to break the urge of rumination in that moment.

By taking action when you are lonely by changing your response to failure by protecting your self-esteem by battling negative thinking you won't just heal your psychological wounds, you will build emotional resilience you will thrive.

Conclusion

Personal hygiene has helped life expectancy, by practicing psychological hygiene quality of our lives would improve.

If you need help, please contact your Mental Health Professional (Psychiatrist or Psychologist)


Monday 25 January 2016

Essential Oils And Autism

Essential oils also called aromatherapy oils is a natural oil typically obtained by distillation and having the characteristic distinctive smell of the plant or other source from which it is extracted. Over the past several decades, essential oils have rapidly grown more popular among people of all walks of life who wish to enhance their environment, mind, and soul with healing fragrances.

Autism spectrum disorder is a mental condition, present from early childhood, characterized by great difficulty in communicating and forming relationships with other people and in using language and abstract concepts.

Essential oils are becoming an increasingly used technique for treating children and individuals with autism by identifying the oils that help maintain mental acuity and focus. They allow the mind to react positively and make connection with its surrounding. Furthermore, they ground and unites the body, mind, and spirit with reality while also encouraging positive energy in times of restlessness and unease.

In addition, they are an ideal substitute for children with autism who have a difficulty swallowing pills. Finally, they can help an individual with autism to stay on task, releases negative emotions, and promotes higher thoughts of self-worth.

Lavender Oil

Lavender (lavandula angustifolia) is the most versatile of all essential oils. Most commonly known for its relaxing effects on the body, therapeutic-grade lavender has been highly regarded for the skin. It may be used to cleanse cuts, bruises and skin irritations. The fragrance is calming, relaxing and balancing – physically and emotionally.

Lavender helps in:

  • Calming
  • Sleeping
  • Easing Depression

Vetiver Oil

Chrysopogon zizanioides, commonly known as vetiver is a perennial bunchgrass of the Poaceae family, native to India. In western and northern India, it is popularly known as khus.

Monday 20 July 2015

Technology for Godavari Maha Pushkaram 2015

Godavari Pushkaram is Great Worship of the Godavari River.   Godavari Pushkaram is a Hindu festival being celebrated from 14 July 2015 for a period of twelve days. This festival occurs once every 144 years, corresponding to the 12th recurrence of the 12-year Godavari Pushkaram cycle. The festival starts from the Ashadha (June/July) month on the Chaturdashi day (thithi) (14th day), when planet Jupiter enters the zodiac sign of Leo. The festival is "theoretically" observed throughout the twelve months that the planet remains in that sign, but the first 12 days are considered most sacred. The first 12 days of the Godavari Pushkaram are known as "Aadhi Pushkaram" and the last 12 days are titled "Anthya Pushkaralu". The next Maha Pushkaram will be celebrated in 2159.


River Godavari covers 3 states viz., Maharastra, Telangana and Andra Pradesh.  As on day 6 more than 2 crore people have taken holy bath in the river.  Yes! you read correct, 2 crore people.  This throws challenge to the administration and police to have a peaceful event.

Indian Railways are running 400 special trains to clear the rush to the event.  Both state run transport corporations are running 10,000 buses each for the same.  In addition private vehicles take to the road.  All the roads lead to one of the announced Pushkar Ghat.  Even a small issue can cause catastrophe, hence administration have taken help of technology to monitor and guide people.

Police uses wireless communication to send the information about rush, vehicle regulations, medical emergency.  They are assisted by NCC members.  This information is fed to the control room.  Control room also monitors the camera set at many spots on the roads, junctions, ghats and other sensitive places.


Highlight of the technology is the ariel survey of the ghats and roads to know the real time traffic jams, crowd number, their pattern etc., using drones.  This is the first time administration is using the technology for such an event.