How to save money on Holidays :

We are not the geek types… right? We work hard and party hard? What’s in a life if you do not get an opportunity to sit back, relax, spend quality time with family, explore nature, take parent at a divine place or chill in hills…. Well at it takes is to open your minds and pack your bags. Well holidays are an expense and like any other purchase, you have a right to get full benefit of it and also save in case you can. You must be planning something in summer vacation, hence thought sharing some insight on this topic.

Most people enjoy holidays (also feel more energetic & focused afterwards) & on other hand few people get a heart attack when it comes spending holidays. Because last time you went for a trip, you came back with a hole in pocket and memories how travel agent made you his scapegoat? How the bookings that you made using your friend’s reference to a resort turned out to be a nightmare. How you made a balloon out of money and came back exhausted and with a firm mind that – no more holidays from now onwards...

HAPPY HOLI :

Blue
4 success
Yellow 4 Shubh

Green
4 Laabh
Red 4 Love

White
4 Beauty
& Pink 4 Joy

I wish
all these Colours
fill ur life wth joy & happiness..@

HAPPY HOLI :

MARKET WILL
REMAIN CLOSED

ON
 27 th MARCH'2013

DUE TO HOLI..@
~
WISH U ALL
HAPPY HOLI..@

WISHING YOU ALL HAPPY HOLI

TODAY's MOTTO :

Take risks in ur life..

If u win,
u can lead..

If u loose,
u can guide..

Think
differently
and act perfectly..@

GD~MNG

TODAY's MOTTO :

The Perfect taste of water
can be enjoyed only
when we r thirsty..

Same way

The affection
of TRUE PEOPLE
will be known when  we r alone..@

TODAY's MOTTO :

Dont worry
if others do not
understand you..

Worry
only if you
can't understand urself..@

GD~MNG

What is an Emergency Fund & how to create..?

When you hear the word emergency all of sudden the ambulance alarm seems to go ON at the back of your ears. For us emergency means just one thing- a road accident. And on second thought, lot of us thinks why to keep an emergency fund, when we travel in a car. Traveling in car has low probability of an accident so I don’t need an emergency fund. Hospital charges will be met by mediclaim or by my rich papa so why to have an emergency fund?

Let me clarify – What is an Emergency Fund?

Emergency fund is a corpus which will be used to meet expenses related to unforeseen events of life. The aim to have emergency money is to avoid financial hassles which may deviate you from your savings for your long term goals. A typical example is that this money will not be utilized to replace your 5 year car (as the replacement of vehicle will be covered in your financial plan) but emergency fund can be used to make down payment in case your car gets stolen and you need replacement immediately.

TODAY's MOTTO :

LIVING IN
FAVOURABLE
CONDITION IS

PART OF LIFE..


BUT..


SMILE IN
DIFFICULT
SITUATION IS

ART OF LIFE..@

GD~MNG

TODAY's MOTTO :

Life
is not just
waiting for someone
who is made for you..

But

Life is
living for someone
who is happy bcoz of U..@

GD~MNG

TODAY's MOTTO :

Life is
like A NoteBook

2Pages
R Already
Written By GOD

1st Page is"Birth
Last Page is"Death
CentrePages R"Empty

Fill them
with Smile & love..@

TODAY's MOTTO :

One
Of The Reasons
Why People Hold On
To Memories So Tight

Is BCOZ
Memories Are
The Only Thing That
Never Change When Everyone Changes..@

TODAY's MOTTO :

Discussion is
better than argument

BCOZ
Argument is
to find out who is right

BUT
Discussion is
2 find out waht is righT..@

GD~MNG

TODAY's MOTTO :

TWO concepts
4 a truly happy life:

1.Use things,not people..

2.Love people,not things..@

GD~MNG

TODAY's MOTTO :

Life is
not measured
by the nunber
of breaths we take..

But
by the moments
that take our breath away..@

GD~MNG

'S' for Shopping or Saving?

While the whole world is celebrating the International Woman's Day today, you should not miss out this opportunity to express gratitude towards all the women in your life, you could give them flowers or ornaments but how about going a step further? You could look forward to empower the women around in your life by guiding them towards financial security.

Generally the first thing that a woman who has spare cash will think of is 'Shopping', but when it comes to 'Savings' or financial planning, women seem to take the back seat. Today we see a large number of women venturing out and working alongside the male in almost every profession. They are not just independent, but also capable enough to make themselves financially secure. But many a times we see that they pass on the responsibility of financial planning to their father, brother or husband. So it's your responsibility to create awareness of financial planning amongst the women around you and educate them on money management and investments.

Government Spending In 2013-14 :

People may wonder why does the government need to earn money and where is the money spent. When it comes to spending, the government has certain goals and expectations in relation to the nation based on which it plans the expenditure.

Goals may vary from year to year and it is a bit of a balancing act between hopes, expectations and the available kitty. When he announced the Budget 2013-14, Finance Minister, P Chidambaram established the ‘overarching goal’ for the financial year – “creating opportunities for our youth to acquire education and skills that will get them decent jobs or self- employment”. And with this theme he put out the expenditure targets for the year.

How Does The Government Earn Money?

Budget is an annual financial statement of the government. It is about how the government earns and how it spends and whether there is shortfall between the two. As a taxpayer, it is important to know whether the government is able to perform the way it promises.

The government earns money primarily through two ways: Total income generated, generally referred to as Total Receipts in government parlance, and Government Borrowings.

How fit are single premium plans to address your needs?

Tax saving season is in full swing and insurance companies are trying their best to corner as much business as they can. In the last few months life insurers like HDFC Life, ICICI Prudential Life and Edelweiss Tokio Life have launched pension and regular unit-linked insurance policies ( Ulips) offering both regular and single premium options.

Last week, the biggest of them all — Life Insurance Corporation of India (LIC) — launched Jeevan Sugam, a traditional single premium plan. In 2008-09, thousands of investors bought the public sector behemoth's single premium plan Jeevan Aastha, which became a runaway success. LIC would certainly be hoping for an encore with Jeevan Sugam. That means you can expect a flood of promotional calls, SMSes and emails. Your insurance agent or bank will also try to promote other single premium plans, be it traditional or Ulip, heavily in the coming days.

Happy womans day :

YOU
r delicate
u r strong,

u r
warm
u r courageous

u
hv passion
& compassion,
u r gods best creation. !!

Happy womans day 2 all womans..@

TODAY's MOTTO :

Minimum
Requirements..

And
Maximum
Adjustments..

Are the two
steps of Happy
& Successful Life..@

GD~MNG

TODAY's MOTTO :

Read THIS carefully..

Life
has given us
'REAL EYES'..
To.. 'REALISE'..
The.."REAL LIES..@

GD~MNG

TODAY's MOTTO :

Tragedy of today's life

People try
to make unknown
friends On Facebook

While
they dont hv time
to message or talk
with known friends..@

TODAY's MOTTO :

Good Decision
comes from
Experience..


But

Experience
comes from
Bad Decision..@

GD~MNG

Budget 2013: Infrastructure Development :

What does the Budget mean for India’s infrastructure?

To achieve 9% economic growth, India needs to spend Rs 55 lakh cr ($1 trillion) on infrastructure development. This estimate in the Twelfth Five Year Plan is nearly double of the Eleventh Five Year Plan. The Finance Minister in his speech stressed that the key to restart the growth engine is to attract more investment, both from domestic investors and foreign investors.

INCLUSIVE INFRASTRUCTURE PARTICIPATION

The private sector is an important participant in the India growth story. And the government expects to meet its ambitious infrastructure investment target by including the private sector. Share of private investors in infrastructure investment is pegged at 47% in the 12^th Five Year Plan vs. 38% in the 11^th Five Year Plan and 22% in the 10^th plan.

Budget 2013: Women Empowerment :

Budget 2013-14 sought to recognize the progressive and productive role played by the Indian woman in the economy. In urban areas, women have become equal participants and are competing for opportunities across sectors. And rising education levels in rural areas is empowering women-folk to become equal stakeholders when it comes to earning income. At the same time, the Finance Minister has stressed that India has “collective responsibility to ensure the dignity and safety of (its) women” and announced a series of measures for women safety.

 AN ALL WOMEN BANK
Budget 2013-14 announced a plan to set a bank for women. The bank with an initial investment of Rs 1,000 cr. will exclusively serve women. The government is looking at inaugurating the bank by October 2013.

This Bank for Women will offer credit to women and women run businesses. It will support women self-help groups and women livelihood.The bank will also largely employ women. The idea is to “address gender related aspects of empowerment and financial inclusion”

Budget 2013: 5 Points In The Fine Print :

There are many details that the finance minister did not mention in his budget speech but it will affect an individual either directly or through their business dealings. Here is a look at several of these areas to see the real impact of the proposals because ignoring these could prove to be a major mistake if the actual benefit is denied by the taxman.

1. No tax free insurance receipt

A key man insurance policy covers the life of a key person in the business. The current rules state that if it is assigned to the key man before its maturity then it becomes like a normal insurance policy. A change has been proposed to ensure that even if such a policy is assigned it would remain a key man policy and the amount received as a payout would be taxable as income.

Highlights of Union Budget 2013-14 :

India must make tough spending choices, finance minister P Chidambaram said on Thursday, even as he unveiled a bigger-than-expected outlay for the coming fiscal year in one of the most highly anticipated Indian budgets of recent years.

Following are highlights of the Budget:

FISCAL DEFICIT

* Fiscal deficit seen at 5.2 point of GDP in 2012/13

* Fiscal deficit seen at 4.8 point of GDP in 2013/14
* Faced with huge fiscal deficit, India had no choice but to rationalize expenditure

TODAY's MOTTO :

Every
problem in life
has a gift inside

So
Dont get upset
when u face problem

It may hv
more beautiful ending
than your xpectation..@

GD~MNG