Retirement Planning for peace

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An individual cannot work perennially to earn his income, especially the salaried class. Therefore he or she has to do retirement planning while young and active. Retirement planning is very important for peaceful life post-retirement. What is Retirement Planning? Retirement planning is a process of creating a fund over a period of time which will give desired income after retirement. There is a method to arrive at the estimated income that you would reach at the time of retirement, based on your current income. Once you arrive at the pre-retirement income, you need to calculate how much money you need …

Financial planning for wealth creation

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In any sphere of life, prior planning helps to get maximum results. Our personal finance is no different from it. Therefore financial planning is very important for wealth creation. Before we discuss financial planning, let me describe the 5 (five) financial life cycle of human life. The Alpha stage In this stage an individual starts earning an entry-level income. He or she is young and has just started earning a regular income. The expenses in this stage tend to be just about as high as income, leaving small surplus funds to save. The Bravo stage  In this stage he or …

Avoiding Food supplement is a mistake, you can correct it now.

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Our body needs large range of vitamins and minerals to function smoothly. Body obtain these from the food that we take on daily basis. If our food is not adequate in providing vitamins and minerals, than we need to take food supplement or dietary supplement https://en.wikipedia.org/wiki/Dietary_supplement to compensate. Therefore food supplement is essential to help the body function at its best. I can site the example of tuition or home assistance for study to our child. It is nothing but “supplementation” to teachings the child got in school. This has become necessary to provide the child an extra handholding so …

Gold price is soaring, will your gold glitter?

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Gold was discovered in its most basic and natural state – in streams and in the ground of the ancient world – and gold is one of the first precious metals known to mankind. As a natural response to its beauty and rarity, gold became a symbol of royalty and glamour in nearly every culture that was able to obtain it. Its brilliance and resistance to tarnish made the precious metal an ideal jewelry-making commodity, and eventually a viable currency. Therefore all families irrespective caste, creed, religion prefer to possess gold as one of their assets. Many of course do …

5 habits that can put your life on fast-track

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We are what our habit is. This is a personal trait which a person is most ignorant about, yet a defining quality for an individual’s life. There are multiple examples on how habit defines our life e.g what we think most of the time, how we react under different situation, how we talk to a person, what food we eat, how we use our electronic gadgets etc. Since we are not aware of your habits, many a time we wonder why thing are not happening the way we expected. It is so intrigued that one leads to another – meaning …