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Instruction Manual for Investing     Let's open the manual:   Every gadget you buy in the market comes with an instruction manual or user's manual. But your salary, savings...retirement don't come with an instruction manual.   So we don't know how to handle these and we end up mishandling. The result is poor investment choices and unhappy retirement. This article is an effort to draft an instruction manual for our investments.   Investment forms an integral part of our work life, with many wanting to save and invest to meet our long-term financial needs. We would all agree that just living from paycheque to paycheque would leave us in a bad financial state making us incapable of meeting our family's financial commitments and our expenses after retirement.   Don't Fly Blind; Have a Financial Plan   It is vital to chalk out a financial plan at the very beginning of our career. This plan would tell us how much we should save and invest. This plan al...

With MNP in the life, you can just change the source, problems would stay as they used to... Just landed to the world of Airtel hitches from Vodafone glitches..:) - Ankit

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 .   The 10 Financial Doctrines of Wise Retirement Planning Let’s begin on planning finance for retirement: It is usual for many of us to aspire for a financially secure and happy retired life. However being financially prepared to meet the demands of retired life by saving and investing requires considering and following the 10 doctrines of wise retirement planning. A look at the 10 doctrines to wise retirement planning: 1) Provide for contingencies Most of us tend to underestimate our retirement needs. Provision for medical emergencies with inadequacy of medical insurance in old age requires financial provision. Lack of government social security schemes and retirement benefits to...

Not all relationships end up as ordinary. Few are deemed to get a place in the history.- Ankit Sent on my BlackBerry® from Vodafone

Qualification is not a priority actually, but qualification is surely one of the strongest attribute that adds value to the attitude quotient of the Individual... If you are backed by a professional qualification,it adds value to your confidence index...

Attitude is a misnomer actually, it has got no connection to the negativity, often many ppl consider attitude as a negative trait. Attitude has more to say about the way we conduct our personality, it is a driver of our decisions ,ensures that they are backed by confidence.

While talking to the special assets of your life, don't just listen to what is being said - we must also listen to what ISN'T being said. Kind of a puzzle, but once you solve it you'll learn what you need to know. Ankit Sent on my BlackBerry® from Vodafone

Well, personally n officially I have to say somethng- there are two kinds of ppl in the world- GOOD and ur BOSS Sent on my BlackBerry® from Vodafone

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