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इस दिवाली पर आप सब को मेरी और मेरे परिवार की तरफ से हार्दिक शुभकामनाएं| यह मंगल पर्व आप के जीवन में समृद्धि, सुख, शांति, सकारात्मकता और संतोष लाये| लक्ष्मी के आने से पहले हमारे मन व मस्तिष्क का  पूर्ण काया-कल्प हो सके जिससे की उस धन व ऐश्वर्य का हम सदुपयोग करें और परिवार, समाज, राष्ट्र व समस्त पृथ्वी के लिए आगे विका के मार्ग में सहयोगी बनें|

Timing the market is completely unrealistic dream and a trap that an investor can lay for himself. Secondly, if you go for daily SIPs then also you will over do the overall goal of disciplined investing. There are few things one should consider even while choosing the appropriate date for a SIP. 1) The frequency and date of income – As one of the thumb rules of investing is to carve out investments before spending from income, the date and frequency of your income plays a crucial choice in deciding your date of investments. Mostly in case of salaried persons, like me, the date of SIP must coincide with the date of salary being transferred into bank a/c. Like in my case salary is generally credited between 12-14th of every month so most of my SIPs are on or after 15th of every month. If you have irregular income like in case of business/professional income, you can start a separate bank account which may maintain sufficient balance only to meet your monthly SIP/insurance

कल शायद सबने रावण जलाया होगा, या फिर रावण को जलते देखा होगा, या फिर किसी को रावण के नाम से चिढाया होगा.... क्या कल किसी ने एक बार भी राम की बात करी.....? शायद रावण हमारी ज़िन्दगी का ज्यादा बड़ा हिस्सा बन गया है, राम से भी बड़ा... ::::::::::: यहाँ रावण और राम वाल्मीकि रामायण वाले पात्र न हो कर हमारे जीवन में और हमारी सोच में चलने वाले विचार हैं.... अगर कल हमने बहुत तेज़ पटाखे चलाकर पड़ोसियों की नींद में खलल डाला था तो हमने रावण को थोडा पोषित करा था..... अगर कल हमने किसी दोस्त को ज्यादा चिढ़ा कर खिजा दिया था या अपने माता-पिता को नाराज़ करा या किसी अनजान को गाली दी तो हमने रावण को और पोषित करा था...... पर हमारे लिए तो दशहरा का मतलब तो सिर्फ रावण, मेघनाद और कुम्भकरण के पुतलो का दहन रह गया है और उसके साथ लगने वाले मेले में से चाट-पकोड़ी खाना और बच्चों को खिलोने दिलाना रह गया है....

There have a been a few good articles recently that i read about various types of medical covers that are available on the market. Some of them were very good reads and informative I am sharing those here: 1) How Critical is Critical Illness Insurance - on The Financial Literates by Hemant Beniwal. There were my comments on it: Hi all, As usual Hemant has produced a master piece for drawing our attention to a very Critical issue that we usually keep on the back-burner as we do with all critical issues. most of the time URGENT takes over IMPORTANT in our life and urgent is not always good for all of the people. Many a time it fulfills the prophecy ‘Haste makes Waste’. Purvesh has given valuable insight by bringing to fore a new way in which one can get cover against critical illnesses. But as I had this cover from PNB that came along with my Debit card, I later checked out that it was only for the first year and not for subsequent years like the group accident policies banks offer dur

A story about the growing Indian middle class. My Take on it: Hello Hemant, I read your article the day it was posted (probably 3-4 days back) was in some other frame of mind to make up anything in my thought process. Here is my take on the GREAT INDIAN MIDDLE CLASS. These might feel more like a bore moral science class lecture, but in the end these are the issues that will define the middle class and India in the coming years – economically and otherwise. I am amongst the lower-middle income groups with annual household income of less than 5L pa in Jaipur with my wife and a 4-year old as dependents – so please take my comments in that context only, as with cities and professions the criteria for middle income group changes. 1) Prior to 1991 reforms there were only few ways to climb the ladder of social and economic liberty – govt. jobs, business with unrealistic profit margins, Dalali in many deals, etc.. But, with reforms many new opportunities came to fore and we grabbed them. If mo

I recently read an article on the TFL (The financial literates) regarding 10 rules of thumb for financial planning ( http://www.tflguide.com/2011/09/top-10-financial-planning-rules-of-thumb.html ). It is a must read for every one remotely interested in money. However, I had my own views for the rules presented there, which i list here. do not read my conclusions in isolation before going through the listed article, otherwise nothing would get conveyed. My conclusions on rules stated in the article: Rule 1 : the asset allocation cannot depend only on your age (that says that the younger you are, the more risk apetite you might have). one should also take into consideration the present financial standing - an unmarried single-child male in his late 20s or early 30s living with parents in their owned home will certainly have more risk apetite than a married young person living off his income in a rented house with his wife and possibly kids; similarly, a businessman willing to park some m

had a chat on fb with one my old buddies today. he is not here in this country and probably because of he not being here has brought some distances between us. but i think that these distances are more in the mental space than pysical. i feel refreshed and vigorated after this small chit chat of say 7 mins. feels like a lifetime of sharing has started to flow again. a few more friends are to be contacted and a few more friendships are to be revived. probably i will take the lead as i find myself at fault of not keeping in contact with them. i some times feel bogged down by may=ny things but they are more to do with my getting irritated or demanding too much from others. friends never demand anything but friendship and can be your booster dose of emotional steriods if u keep in touch with them. that is why i think that i will take things a little more lightly and will expect less from others. hope to keep in touch with my friends from now on.