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and my wife? what does she wear? In India it's only gold and diamond jewelry, silver is considered, or rather not considered at all even by the really very poor.

Do I have to buy a new car to drive off to our second honeymoon in a silver car? Mines white, her's is gold?

and where-same place where we had our first one, or some new exotic place in India-don't have the time to go abroad next couple of months.

Some of the ideas that my friends have been shooting off are really like out of this world.

Any answers?

Note: I am not interested in text to speech, so answerers check before you answer

I don't mind spending some time with my system training it to understand my diction.

The software should be spyware free.

(1) My basic aim would be to start managing my own personal accounts, create ledgers, journal entries, petty cash expenses, purchase, files showing streams of income, cash and banks (multiple) records, etc. I am in India.

(2) As a hobby I manage small financial portfolios. I want to keep track of my clients portfolios which are heavy with Equity and Mutual Fund investments, Insurance investments, suggested by me, as well as those that my clients have done in the past.

Can this be done in Microsoft Excel 2003?

I don't mind spending some time working on this.

Any other software/s (free-not shareware)that I can customize myself that can be easily downloaded with DSL? And there should be no spyware with the software. Where from?