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I am not going to write off Federer, he is still my favorite. But 2011 belongs to Novak Djokovic Sent from BlackBerry® on Airtel

Don’t put off today what you can’t afford to do tomorrow. In spite of the world wide pension crisis and a growing acceptance that we must plan and save for our retirement, the harsh reality is we are actually not saving enough. Research reports reveal that only 15% of the individuals are saving sufficiently for their retired life. Here are a few tips on things to do before you retire so that your retired life is more comfortable and enjoyable. Get Rid of All Your Debts If you are taking a housing loan, personal loan, car loan or any other loan make sure that you will be repaying them on or before your retirement. You need to choose the term of the loan in accordance with your retirement age. You can enjoy your retired life when you have 100% financial freedom, not when you have to repay your loans. Protect Your Emergency fund Emergency expenses can happen any time. But the possibility goes up during the old age. So we need to enhance the emergency reserv...

Health care costs are sky rocketing day by day. Therefore the need for having a mediclaim policy for you and your dependents has grown. Suppose you have to undergo some medical treatment or need to be hospitalized for certain reason, then a mediclaim policy will be of immense help to you in covering your health care expenses. The reason is Mediclaim offers protection in case of unexpected medical and health care emergencies. Hospitalization expenses in case of illness, disease or accident will impose a heavy financial burden on individuals and families. This is where the mediclaim policy comes in handy. The mediclaim policy can reimburse the hospitalization expenses or can pay the hospital directly on behalf of you. A mediclaim policy provides a health cover of certain amount of money. This amount depends on the amount that the insured person was insured for. The mediclaim policy can be taken for an individual or for an entire family. Some insurance companies allow a d...