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Before going any further about explaining/justifying the post title, let me give you an example. The experience of me. Like everybody I too wanted to make quick money and opened a stock market account. I was a die hard follower of moneycontrol.com and CNBC TV18 News channel. I did tremendous research of all the Top companies and studied their stock performance. But despite all those efforts I fell into the trap of making quick money instead of thinking about long time investment. I bought penny stocks a lot and failed to make money. Eventually I lost close to Rs. 1 lakh despite having invested Rs. 10 lacs into a numerous number of stocks. It was later that I realized that only 20% of the savings amount has to be used for stock markets. Moreover they have to be invested in large cap stocks which give a steady performance along with good profits that the company makes every quarter. Remaining 80% has to be placd in mutual funds, Bank Fixed Deposits, Post office schemes, Bank Recu...

Modern day life has various needs such as a house to live in, a car to travel, jewels to wear, luxury to enjoy. We are in a competitive world for which we are supposed to provide quality education to our kids, to have a healthy lifestyle. Each of them needs money. We are forced to spend around 75% of our income for all these necessities. We often avail loans to meet those needs. In that process we tend to forget savings, general and life insurance. Savings is an important aspect to lead a healthy life. In these turbulent and unexpected environment, periodic and regular savings is important to lead a balanced life. Every small amount we save today will have a major impact in our future. Savings coupled with life insurance will pave way for a peaceful future. Why LIC is important? Since we avail as many loans as possible like housing, education, car loans we are aware that we are in a considerable amount of debt. Just in case if something unexpected event like major injury/li...

Imagine you’ve taken a housing loan for Rs. 35 lacs, a personal loan for Rs. 15 lacs and a car loan for Rs. 5 lacs. These days, taking loans have become a custom to meet our needs especially having a car, designed homes and a rich lifestyle has become a trend. We want ourselves to be projected as a one enjoying all the healthy patterns of the 21st century. We need all the benefits of it. In order to cope up with this lifestyle we spend a lot (around Rs. 50k every month on loans) and these days both you and your pattern work 40 hours a week to enjoy all these luxury. Imagine if something happens to us, something dangerous or an unwanted injury/threat to life. Our family’s total rythm will be in trouble. If you have properly planned by investing in LIC, our life and our family’s future would have been safeguarded. Taking an LIC policy for Rs. 30-50 Lacs would have saved us. Also we can plan now by investing in LIC to avoid tax whilst planning for our future (old life), plan fo...

You left me all alone, now am without life like a stone You were the nucleus of my life but now turned as valence electron I took up the exam even before it was scheduled to You gave me punishment without any caution or warning You took all my happiness along with you over there And pushed me inside the dark den, am accompanied by fear Was leaving me your top priority? Oh ! Dear Friend !! Tell me Have you wanted to make me think that am extremely unlucky Do you think what you did was right?, was fair Here am sad, disappointed, swept away without care I can't forget those days of our happy moments together Am unlike you, who believe that old friendship is of no bother I wasn’t rude to you, I always supported you But yet I get this, Why ? am left with no clue You’ve been planning this ever since you met me That you’ll leave me at the right opportune moment I was a fool, who believed that this friendship was eternal And was confident that it doesn’t reqd. to be monitored by an...

Death seems to be much closer It is the destination pretty nearer These’re the last breathe I take My mad soul is at stake I can’t travel any more I’m tired ; I want to reach shore How I wanted to be ? how I was ? I know, Expectations can never meet reality, Alas !!! My vision is getting diminished My life is getting deteriorated It is no longer bright Darkness all around ; things are not right I’d few friends ; enemies even more Experienced huge troubles at my door Laughed less but cried often Soon it is ( death ) going to happen A painful life ; with problems, mishaps and miseries Wounds, Screams always accompany my diaries Am going to give something forever ; I’m about to lend Don’t you search for me,coz. I’ve now crossed ‘The World’s End’ !!!