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The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners (www.holisticinvestment.in) a firm that offers Financial Planning and Wealth Management. He can be reached at ramalingam@holisticinvestment.in. 11 ways to get out of debt and stay out of debt In spite of steady, regular income there are so many individuals who live paycheque to paycheque, carry their credit card outstanding, and fail to save anything for retirement. If you are one of them, now is the right time to take action to come out of debt and stay out of debt. It is not only possible; it is unbelievably achievable. List down all your debts You need to take stock of all your loans. It could be credit card due, personal loan, car loan, housing loan, education loan, loan from FD, loan from insurance policies, loan from your employer, hand loan and so on. For each and every loan you need to note down how much you owe, the present interest...

Its been over two decades of long struggle with Mondays, no relief. I find it as the toughest day of the week, personally and professionally. Monday needs to do something to end the jinx. Ankit Sent on my BlackBerry® from Vodafone

Few moments within ur family in ur life just can't be explained, they just get treasured/captured in eyes. Jai Mata Di Ankit Sent on my BlackBerry® from Vodafone

Captain Uber Cool is a captain cult as well, he did everything which every common critic told him not to. Surprising of the lot- Millions slapped him with a condemnation, he returned the favour to billions with the World Cup  

"This goes out to all the people of India. This is my first World Cup; I can't ask for more. Tendulkar has carried the burden of nation for 21 years; It was time we carried him. Chak de India!"- Said Virat Kohli in the true spirit

Trust... Something your closed ones shatter, even at the peak of the bonding ppl have... :) - Ankit -- Thanks & Regards Ankit Gupta

Ankit Gupta's location@19:05,1/4 Chandigarh http://m.google.co.uk/u/m/QPs5w6 Sent on my BlackBerry® from Vodafone

We , Indians, now are a family of 121 crores now, as per the 2011 Census. Up by 17.64%. Equal to a combined population of US, Indonesia, Brazil, Pakistan, Bangladesh and Japan. Some of my observations   1.      Look it from other side, a deficit of 10%, since the GDP never grew by that percent in this period 2.      It's a serious threat, courtesy- BPL figures :( 3.      A nation can't sustain with an increasing topline when its bottom line doesn't complement it , assuming topline being the population, bottom line be the economic growth 4.      Growth rate is less, not the number. 20% on 100 is 20 and 2% on 1000 is 20 as well. If the base would change, obviously percentage shall come down. On the quantity- we have risen to a higher number. Secondly- male to female ratio still a concern. Education is contributing- but with disparity of geography 5....

How & Why Should you invest in Stock Markets Even After Your Retirement? Inflation and Retirement Most Retirees feel great getting a bulk sum as provident fund and gratuity, and wish they knew a magician, who could spin their money 2 to 3 times in just 5 years, in addition to ensuring a regular return for their day to day expenses. It is true we all want it to keep up with the inflation rate in the market. I know of no such magicians, and it is practically not possible to multiply your money 2 to 3 times in just 5 years. But I definitely know of smart investment planning and investment advisors that could help you to beat inflation. A step by step look at your considerations to come out with smart calculated investment decisions: • Post-retirement, you know that you would no longer earn a regular income and would have to stay on your savings, provident fund, gratuity, and other benefits that have been given to you. You would definitely want more good returns on your inve...

We , Indians, now are a family of 121 crores now, as per the 2011 Census. Up by 17.64%. Equal to a combined population of US, Indonesia, Brazil, Pakistan, Bangladesh and Japan. Ankit Sent on my BlackBerry® from Vodafone