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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 self-employed and private sector employees creates requirement for more provision for contingencies after retirement. 2) Think that you will live long: This is true with increased life expectancy. Now you will have more years of life after retirement. Thanks to medical advancements. So it is better to plan for the additional years and avoid living frugally in old ...

SWEET AVAL / VELLA AVAL / SWEET POHA (SWEETENED BEATEN RICE FLAKES) BEATEN RICE  Flattened rice (also called beaten rice) is a dehusked rice which is flattened into flat light dry flakes. These flakes of rice swell when added to liquid, whether hot or cold, as they absorb water, milk or any other liquids. The thicknesses of these flakes vary between almost translucently thin (the more expensive varieties) to nearly four times thicker than a normal rice grain. This easily digestible form of raw rice is very popular across Nepal, North East India and Bangladesh, and is normally used to prepare snacks or light and easy fast food in a variety of Indian cuisine styles, some even for long-term consumption of a week or more. It is known by a variety of names: Poha or Pauwa in Hindi, Baji in Newari, Pohe in Marathi, Chindé in Bengali, Chira in Assamese, Phovu in Konkani, Chudaa in Oriya and parts of Bihar and Jharkhand, Atukulu in Telugu, Bajeel or Bajil in Tulu, Chudwey in Urdu(Dakkan...

How to become better at managing money? The best way to start is to avoid making costly mistakes that will be pulling you down and taking months or even years to recover. Many financial blunders are easy enough to avoid once you know what to watch out for. 1. Decision Paralysis Today there are so many choices, so many financial products and so many offers. It all bundled with financial jargons. It becomes really difficult for one to understand. Also there is plenty of information available on the web, on the media and on the neighbourhood. This makes decision making much more complex. All these things coupled with the fear of making a wrong financial decision lead us to the DECISION PARALYSIS. We don’t take any decision and start postponing it. 2. Ignoring Personal Finance Most of us think that we need to work hard to make money and build wealth. I agree that you need to work hard but that is not enough. You work hard for money. How the hard earned money can be left idle? If you could...

The first word that comes to your mind after you walk out of the theatre watching "Ko" is brilliant. Brilliant in the sense that the movie is different in terms of its storyline and it has got the right mix of elements be it romance, glamour, revenge etc. K V Anand after his blockbuster "Ayan" has directed this "Ko" which is truly a winner at the box-office. The main stream actors right from Jeeva, Ajmal, Pia Bajpai, Debutant Karthika, Kota Sreenivasa Rao and Prakash Raj have all given a note worthy performance which makes this movie a power house of acting. The plot is different which cannot be revealed for the obvious reason that it would be a complete spoiler to the efforts of the "Ko" team. There are two stories which run parallel to each other in the triangular love angle between Jeeva, Pia and Karthika while on the other side its the dynamic political scenario that unfolds before an election in the state. The twist in the tale is not unfold...

Director            Satyajit Bhatkal Cast                  Darsheel Safary, Manjari Fadnis, Anupam Kher, Akhil Mishra, Tinu Anand, Jai Vyas, Gargi Year                 2011 Genre               Action He is here!!! India's first "young" super hero. He is 4 ft tall, all of 10 years old (probably) and uses the marvels of science that Magic Uncle (Anupam Kher) dishes out to him that make him fly and levitate in a cloud of smoke and disappear within the blink of an eye into the same cloud of smoke. He throws paint / ink balls at the enemies of society (children in particular) and also sends a pair of boomerangs flying through the air as and when required (with no proof of their coming back ... er did I burst someone's bubble)...

Director            Rohan Sippy Cast                  Abhishekh Bachchan, Rana Daggubatti, Bipasha Basu, Pratiek Babbar, Govind Namdeo, Anaitha Nair, Aditya Panscholi, Bugs Bhargava, Vidya Balan, Gulshan Devaiya Year                 2011 Genre               Action That Abhishek Bachchan will live in the shadow of Yuva for the rest of his life and continue to try and benchmark himself to that level is a foregone conculsion in any of his movies.   But to his credit this time around, he does give you some glimpses of the intensity that he showed in his best performance to date.   Hope Floats for all your fans of the Jr. B (count me out of that list for the time being).   After Game I thought it was all over f...

The willingness and the ability to save money is the secret of building wealth. So as to save money, you need to spend less than you actually earn. Though it looks very simple when you say, it is really difficult to implement. There are plenty of ways to help you start saving money even on the very tight budget. Saving money or spending less is all about the personality, belief system, values of a family. Spending less and saving more are lifelong living skills that need time to develop. Unless and otherwise, you have a written financial goals, you will lose your focus and go after consumerism and materialism. To save more, obviously you need to spend smarter. To spend smarter, you need to understand you own spending patterns. Consciously you need to track all your expenses on a daily or weekly basis. So that you will be able to find out what influences your spending pattern. Spending money has got so many influencing factors. But all these influencers can be classified into five broad...

Flight is always amazing to watch. When we can make our own planes, what can be better? Here are 12 different paper plane designs for the real kids and the kids in you.         Article adopted from http://www.mediadump.com/hosted-id188-how-to-build-the-world039s-best-paper-airplanes.html

Getting married is one of the most important events in your life. There is so much to consider—the flowers, the jewel, the dress, the venue, the photography—the list goes on. Once you are back from the honeymoon, the daily life of marriage begins and also begins the challenges of managing the finances of a new household with your spouse. In recent studies, many couples ranked financial matters as one of the most essential factors when it comes to happiness in a marriage. It is one of the key factors causing marital stress. Money Compatibility First thing to do is to check how compatible you and your spouse in money management. You may be conservative and your spouse may be aggressive. You may think that the best place to invest is stock market and your spouse may think bank FDs. You should communicate your money management style to your spouse as well as you need to understand the money management style of your spouse. Both of you need to analyse the merits and demerits of money manag...

A design team from TU Delft University has unveiled a 15-feet-long , six-wheeled Superbus. The aerodynamic and luxurious Superbus, which on the first glance looks like a cross between the Batmobile and a very stretched limousine, can carry 23 passengers and travel at a speed of 250kmph. The team, including former Dutch astronaut Wubbo Ockels, hopes their streamlined electric vehicle will bring fast, comfortable and sustainable public transport a step closer. FAST AND FLEXIBLE The Superbus travel concept combines high-speed travel with the flexibility of a car. The vehicle is similar to an average bus in length and breadth, but its low ground clearance and aerodynamic design make it extremely energy efficient. This is helped by the chassis and bodywork of lightweight carbon fibre: the electric vehicle uses as much energy to travel at 250kmph as a normal bus travelling at 100kmph. The Superbus also has two pairs of rear wheels that can turn independently , thereby redu...

What is Portfolio Management Scheme? Portfolio management scheme popularly known as PMS are specialized investment vehicle for lump sum investments. The portfolio manager invests the money in shares and other securities and manages the portfolio on behalf of the client. One can invest fresh money in Portfolio Management Scheme and the portfolio manager will construct a portfolio by deploying that money. Also one can transfer his existing share portfolio to the Portfolio Management Scheme provider. In that case, the portfolio manager will revamp the portfolio in sync with his investment philosophy and strategy. Once the Portfolio Management Scheme account is opened, the client will be given with a web access to his portfolio. The client can look at where the portfolio manager is investing client’s money. Also one will be able to generate reports like Investment Summary, Portfolio Transaction List, Performance Analysis, Portfolio Statement and Quarterly capital gain report. As a result, ...

Now that the TN Assembly elections are around the corner, here is some useful information published by the TN Election Commission.   Assembly Elections 2011 Breakup of Electors (AC / District Wise) - as Published on 10.01.2011 District Election Officer - Contact List Returning Officer - Contact List District Control Room - Toll Free Numbers General Observers for TNLA 2011 - Contact Numbers Expenditure Observers for TNLA 2011 - Contact Numbers Police Observers for TNLA 2011 - Contact Numbers Constituency Map - Tamilnadu Constituency Map (Black&White) - Tamilnadu Webcamera - Layout in Polling Station List of Polling Stations Forms - Elections to the Tamil Nadu Legilative Assembly (Nomination Paper, Affidavits, etc.,) Affidavits filed by the Candidates List of Star Campaigners Public Holiday(13.04.2011) - Notification Contesting Candidates - TNLA 2011 - Details List of Contesting Candidates - Form 7A -English

You have got complete 365 days in your hands. It is up to you to do whatever you want. Why don’t you chalk out a plan to become richer in a year , that is exactly in the next 365 days. No one in this world is born with the knowledge on how to save or invest. Every successful investor begins with the basics explained in this article. Almost always, the simplest are the most profound. Some simple reorganization in your personal finance management could make you richer. To be financially successful, the following three steps are important. 1) Make a Financial Plan: This is the first and foremost important step to become financially successful. It is not your income, but your wealth that counts. People with high income like Michel Jackson died with a lot of debts. So a careful personal finance management is more important than how much you earn. To have an effective personal finance management system in place for you, you need to have a personalized well written financial plan. What are th...

Director                        Anees Bazmi Cast                              Akshay Kumar, Irrfan Khan, Suniel Shetty, Bobby Deol, Sonam Kapoor, Celina Jaitley, Rimi Sen, Vidya Balan, Mallika Sherawat, Chahat Khanna Genre                           RomCom Year of Release            2011 He should probably thank his stars that he has a reasonable fan following in this country – enough and more morons who will walk into an AK movie just because its an AK movie.   But that’s what we do to stars.   Glorify them.   Make temples for them. But even the extreme madn...

Director            Denis Dugan Cast                  Adam Sandler, Jennifer Aniston, Nicole Kidman, Nick Swardson, Brooklyn Decker, Bailee Madison, Griffin Gluck, Dave Matthews, Year                 2011 Genre               RomCom Denis Dugan does it yet again.   This is the second movie with the Adam Sandler – Denis Dugan combination that I am reviewing and I must say that there has been no improvement whatsoever.   It could be a case of the director and actor have built a familiarity and there is no scope for further improvement. I would hazard a more drastic thought that they are probably the same person and that Dugan is just a front that Sandler and eventually gives us a movie that HE wants us to see. ...

A fascinating demo of how our spine affects our bodies....  Click on link and then move your mouse over back bones and see the parts that are affected! http://www.chiroone.net/AskTheDoctor/index.html “ Roll your mouse over any of the vertebrae in the human spine below to learn how each vertebrae is connected to certain areas and functions of your body, and how a subluxation of that vertebrae can cause you health problems if not treated with chiropractic care “

Search your name and check your details in the TN Electoral rolls before the elections.   http://www.elections.tn.gov.in/eroll/

India celebrating the Rabindranath Tagore's 150th birth anniversary. On this celebration Reserve Bank of India launched the 150 Rupee coin in the memory of Nobel Winner Sir Rabindranath Tagore. Newly launched 150 Rupee coin is about 40 mm in diameter and It's weighs is about 35 grams. The coin of 150 Rupee contain Rabindranath Tagore image on one side and on another side it will contain the image of Ashok Stambha.       Both Side of Indian 150 Rupee Coin

The electricity keeps cutting out, the Internet connection is crackly and the speakers don't always work, but Santosh Kumar knows that 20 pupils far away in eastern India are relying on him. Once a week, Kumar uses Skype to teach maths to children in Chamanpura, a poor village in Bihar, 970 kilometres from his two-storey house in the suburbs of New Delhi. The free Internet service allows the class to see, via a projector, Kumar's tutorial which includes an animated tale about a greedy priest and a wily countryman to teach the students about numbers and the concept of infinity. "The first time I did this, they were really excited by the technology, now they don't care," Kumar said. "It's normal to them." Kumar, a successful 34-year-old engineer, grew up in Chamanpura village before battling his way to a place at the prestigious Indian Institute of Technology. "It's an uphill task to bring education to villages," he said.  Chamanpur...

Established in 1972, the Barefoot College is a non-government organisation that has been providing basic services and solutions to problems in rural communities, with the objective of making them self-sufficient and sustainable. These ‘Barefoot solutions’ can be broadly categorised into solar energy, water, education, health care, rural handicrafts, people’s action, communication, women’s empowerment and wasteland development. The College believes that for any rural development activity to be successful and sustainable, it must be based in the village as well as managed and owned by those whom it serves. Therefore, all Barefoot initiatives whether social, political or economic, are planned and implemented by a network of rural men and women who are known as ‘Barefoot Professionals’. Rural men and women irrespective of age, who are barely literate or not at all, and have no hope of getting even the lowest government job, are being trained to work as day and night school teacher...

Mental Accounting is one such money mistake even smart people are committing. Understanding this mistake and avoiding this could make us richer. Behavioral Finance experts say that mental accounting works this way: Let us say you have bought a Rs.200 ticket to a movie. When you show up at the entrance of the theatre and realize you have lost your ticket, do you buy another ticket? If you are like most people, you would probably think twice. You may still drop down the money, but you will now feel that you paid Rs.400 for a Rs.200 movie. But let's construct the scenario differently. Let’s say you hadn’t bought the ticket yet, and you show up at the entrance to buy your ticket. Unfortunately, you realized you’ve lost Rs200 in cash since you walked from the parking place. But fortunately, you still have enough in your wallet to cover the cost of the ticket. Do you buy the ticket? Again, if you are like most people, you may feel upset about the lost money, but it probably won't af...