Listen Songs Online

Here is my compilation of some online songs site:

1. site by  S. Anand http://www.s-anand.net/hindi

2. Raaga http://www.raaga.com/channels/hindi/

3. Dhingana http://www.dhingana.com/

4. DekhoSuno http://www.dekhosuno.com/

45 Great Outlooks On Life

There is no secret to happiness. It’s all about how you see things coming your way. Here are some lines i think one should always keep in mind.

1.Life isn’t fair, but it’s still good.
 
2. When in doubt, just take the next small step.
 
3. Life is too short to waste time hating anyone.
 
4. Don’t take yourself so seriously. No one else does.
 
5. Pay off your credit cards every month.
 
6. You don’t have to win every argument. Agree to disagree.
 
7. Cry with someone.  It’s more healing than crying alone.
 
8. It’s OK to get angry with God. He can take it.
 
9. Save for retirement starting with your first paycheck.
 
10. When it comes to chocolate, resistance is futile.
 
11. Make peace with your past so it won’t screw up the present.
 
12. It’s OK to let your children see you cry
 
13. Don’t compare your life to others’. You have no idea what their journey is all about.
 
14. If a relationship has to be a secret, you shouldn’t be in it.
 
15. Everything can change in the blink of an eye.. But don’t worry; God never blinks.
 
16. Take a deep breath.  It calms the mind.
 
17. Get rid of anything that isn’t useful, beautiful or joyful.
 
18. Whatever doesn’t kill you really does make you stronger.
 
19. It’s never too late to have a happy childhood. But the second one is up to you and no one else.
 
20. When it comes to going after what you love in life, don’t take no for an answer.
 
21. Burn the candles, use the nice sheets. Don’t save it for a special occasion. Today is special.
 
22. Over-prepare, and then go with the flow.
 
23. Be eccentric now.  Don’t wait for old age to wear purple.
 
24. The most important organ is the brain.
 
25. No one is in charge of your happiness, except you.
 
26. Frame every so-called disaster with these words: ‘In five years, will this matter?’
 
27. Always choose life.
 
28. Forgive everyone everything.
 
29. What other people think of you is none of your business.
 
30. Time heals almost everything. Give time, time.
 
31. However good or bad a situation is, it will change.
 
32. Your job won’t take care of you when you are sick. Your friends will. Stay in touch.
 
33. Believe in miracles.
 
34. God loves you because of who God is, not because of anything you did or didn’t do.
 
35. Don’t audit life.  Show up and make the most of it now.
 
36. Growing old beats the alternative- -dying young.
 
37.. Your children get only one childhood. Make it memorable.
 
38. All that truly matters in the end is that you loved.
 
39. Get outside every day. Miracles are waiting everywhere.
 
40. If we all threw our problems in a pile and saw everyone else’s, we’d grab ours back.
 
41. Envy is a waste of time. You already have all you need.
 
42 . No matter how you feel, get up, dress up and show up.
 
43 . Yield.
 
44 . Life isn’t tied with a bow, but it’s still a gift.
 
45 . The best is yet to come

What you MUST know about insurance

What you MUST know about insurance

Article by R A Krishna

‘All things are non-permanent and interconnected, ‘ said Gautam Buddha. In the case of financial needs too, this is true. Your needs are not the same when you are 25 as when you are 50. The common thread is that you do have financial needs at any age. If you plan well at 25, you will not need to struggle too much at 50. Choose your  well and the struggle will be minimal.

Young people today earn more at 22 than what I earned at 48, not too long ago. Even at a lower income level, you can save and create wealth for yourself by adopting a good saving habit. Nonetheless, at any level, by systematic savings and systematic investing, you can attain an asset base that would seem unbelievable to you.

The aim of the article written is with the idea of letting people know that by putting aside a certain portion of their earnings every month, they can build a tidy nest egg that would be useful for them in their twilight years.

For more information on which mutual funds are doing well consistently over a longer time horizon, check out Web sites and newspapers and take your pick from the funds based on their performance over periods ranging from 1 month to five years!

Having got all this out of the way, let me get to the main topic of this article, viz. how to get the best out of insurance. The consumer is KING and should act from a position of strength. However, there are people looking for the quickest route to your bank account and like good batsmen, to use a cricketing analogy, you have to watch out for the googlies, the flippers, the top-spinners, the slower ones, the outswingers and so on.

This should not be the case, but let’s face it, it would be a dull world without a challenge. Your challenge is to ensure that you get the best deal and show the door to those who cannot give you what you seek.

What do I mean by ‘best deal’? Is it the best price or the best policy that meets your needs. I would say, choose the person who understands your needs and gives you the product(s) that meet them.

Insurance is all about service and your agent or advisor is the only link to the company. He or she who is aware of what you want or need can help you best in the long term as most policies go for ten years or more.

Saving a few bucks on charges may make it costlier for you in the long run. To start with, please be aware of your objective in buying insurance.  The amount you need to set aside for meeting expenses related to education and marriage of children. Also the remaining part of the home loan. Unpleasant as the thought is, face up squarely to the fact that we are mortal and insurance is for meeting the unexpected.

So should something happen to the breadwinner, the family should be protected at least from financial vicissitude. Get rid of the ‘this cannot happen to me’ thought. It is precisely because it can happen to you that you buy insurance and if you love your family, you will ensure above all that they are protected.

I come back to the time when my uncle was still serving in the State Bank of India . His total insurance was just for a sum assured of Rs 200,000. And now what makes his blood run cold is the fact that he never perceived any risk! A life insurance advisor has to ensure that all who are served by him or her are always well insured. The client also has a responsibility to himself and his family to see that the sum assured is commensurate with his or her needs identified by the above process.

If your insurance agent does not even do a rudimentary need identification exercise, throw him or her out. Do this yourself and if the result scares you, call up your insurance agent who can help you to insure yourself adequately on the budget you can set aside for the purpose. As one wise person said, ‘No widow ever complained that her husband had too much insurance.’

Here are the various options:

Type of Insurance	Advantages	Downside	When to take
Term	Maximum bang for the buck, lowest cost	Premium once paid is gone forever. This is like car insurance	On a low budget when one has no insurance whatsoever and needs to get protection. Take the longest term available. Combine with whole life and ULIP for best results
Whole Life	Most flexible, especially that of Max NY Life. Allows payment for a period of 11 years or so and keeps you insured for life with growing sum assured as well as increase in cash value. Allows payment of premia from accrued bonuses and current bonus. So if you have accrued bonuses for around 5 years you can skip payment of premium for a year or two depending on amount accrued and yet stay insured	Higher cost than term. Lower returns than ULIP	Take this at an early age and stay insured for life. This can function as a pension plan as well as a legacy instrument. Has provision for increasing sum assured by way of top up. Identify your need and allow this policy to meet 50% of the sum assured. With a top up your sum assured and cash value can grow  fast. Understand all the nuances of the policy and choose the best. Work out all possibilities.
ULIP	The most popular policy.. Allows flexible investnment with a choice of funds from secure to growth. Choose from low risk and returns to high risk and high returns. Allows loan and withdrawal of units in times of need	As most of your money goes into equity or other investments, sum assured is lower. This is term insurance tacked on to a mutual fund. The capital is entirely held at your risk. Only the sum assured is guaranteed and that does not benefit you during your lifetime!	Use this as you would use a mutual fund. Allow this to be an investment vehicle and invest only such sums that are available after making secure investments. Choose a maturity of 15 years or more to get the best results. Since the risk is yours, be in touch with the market and get ready to move your money from one fund to another.
Endowment Plans	Low risk and low return.. Hard to think of any.	There are better ways to insure yourself and invest!	Good for children’s needs where a certain sum is required at the end of a certain period. Allied with a payor rider or waiver of premium, this is useful
Single Premium	OK, if you have a lumpsum and wish to put it all into insurance. My question is Why?	Beware of I tax. If the premium exceeds 20% of sum assured, the maturity proceeds will be subject to tax. Some companies have devised a policy where the sum assured is reduced so that tax would not be applicable. Bad Deal in my view, but it takes all kinds to make the world!	Stick to regular payment policies.

Now here is one thing you should understand. Insurance is not an investment. Use it for protection and be ready to pay the price. However, do not try to compare the returns with investments such as ULIPs and mutual funds, etc.

Keep your sum assured above all requirements and meet that objective first. Go for ULIP (Unit-Linked Insurance Policy) last of all. Use Term and Whole Life policies to meet most of your sum assured and the rest through ULIP.

Beware of companies that push only ULIPs. They do not have your interests at heart. Like I said earlier, get yourself insured for the sum you need to be insured inclusive of a ULIP.

IRDA regulations forbid showing illustrations which project a rate of return higher than 10% p.a. Ask your insurance agent a few awkward questions if he is showing you a rosier picture.

Investment is like a one-day cricket game. The more wickets you have in hand the more risks you can take. Insurance is like having Rahul Dravid at one end and Whole Life is like having him for all the 50 overs! You can afford to do a Sehwag or Dhoni with a large part of the rest of your money thereafter!

Warren buffets advice for 2009

We begin this New Year with dampened enthusiasm and dented optimism. Our happiness is diluted and our peace is threatened by the financial illness that has infected our families, organizations and nations. Everyone is desperate to find a remedy that will cure their financial illness and help them recover their financial health. They expect the financial experts to provide them with remedies, forgetting the fact that it is these experts who created this financial mess.

Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older. This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.

* Hard work: All hard work bring a profit, but mere talk leads only to poverty.

* Laziness: A sleeping lobster is carried away by the water current.

* Earnings: Never depend on a single source of income. [ At least make your Investments get you second earning ]

* Spending: If you buy things you don’t need, you’ll soon sell things you need.

* Savings: Don’t save what is left after spending; Spend what is left after saving.

* Borrowings: The borrower becomes the lender’s slave.

* Accounting: It’s no use carrying an umbrella, if your shoes are leaking.

* Auditing: Beware of little expenses; a small leak can sink a large ship.

* Risk-taking: Never test the depth of the river with both feet. [ Have an alternate plan ready ]

* Investment: Don’t put all your eggs in one basket.

I’m certain that those who have already been practicing these principles remain financially healthy. I’m equally confident that those who resolve to start practicing these principles will quickly regain their financial health.

Let us become wiser and lead a happy, healthy, prosperous and peaceful life

Who says its recession time?

The whole world is making hue and cry over the economic slowdown. Whereever you go, you will get to hear words like recession, inflation, pink-slips, slowdown etc. Thousands of jobs are on stake and employees are showing loyalty to their employers fearing that recession has gripped their organization and that they may be kicked out at any moment. Attrition rate has fallen to single digit in IT industry. Most of the companies have already increased the working hours and started cost cutting practices by removing perks and incentives completely. Salary increments and promotions are frozen and employees are asked to take additional responsibilities. If you think that a kick in the butt by your employer is fair in this moment of time, then there is another part to it.

Companies, mostly IT companies, have shown good profit margins in the latest quarter. Infact they have exceeded expectations set by most of the economists. Inflation is under control. The money supply has increased in India, China, Brazil and England, averaging 19% a year. These countries are in top 12 GDP countries in the world, contribute almost 30% of world’s goods and services and employe 47% of the world’s work force.  The stock market was overvalued last year and it was bound to crash. Companies have inflated their accounts and imaginery money can’t run an economy. If you cut your expenses, others are forced to. Remember, the money will always be in circulation. No aliens will come from another planet and claim their stake on this money.

Oil prices are down. A country like US, claiming to be worst affected, is spending 800 crores of rupees on induction of its new president. Cricketers are bought in auction at never before prices. Where do you see recession in it?

Companies are all set to take undue advantages. There are only lack of co-operation, unethical behavior, faulty decision and greed driving the economy. If things continue to go like this, the only sector that will remain recesion-proof will be the healthcare one.

Here’s a nice interesting story

The story is about a man who once upon a time was selling hotdogs by the roadside. He was illiterate, so he never read newspapers. He was hard of hearing, so he never listened to the radio. His eyes were weak, so he never watched television. But enthusiastically, he sold lots of hotdogs. He was smart enough to offer some attractive schemes to increase his sales. His sales and profit went up. He ordered more & more raw materials and buns and use to sell more. He recruited few more supporting staff to serve more customers. He started offering home deliveries. Eventually he got himself a bigger and better store. As his business was growing, the son, who had recently graduated from college, joined his father.

Then something strange happened.

The son asked, “dad, aren’t you aware of the great recession that is coming our way?” the father replied, “no, but tell me about it.” the son said, “the international situation is terrible. The domestic situation is even worse. We should be prepared for the coming bad times” the man thought that since his son had been to college, read the papers, listened to the radio and watched TV, he ought to know and his advice should not be taken lightly. So the next day onwards, the father cut down the his raw material order and buns, took down the colorful signboard, removed all the special schemes he was offering to the customers and was no longer as enthusiastic. He reduced his staff strength by giving layoffs. Very soon, fewer and fewer people bothered to stop at his hotdog stand. And his sales started coming down rapidly, same happened to his profit. The father said to his son, “Son, you were right. We are in the middle of a recession and crisis. I am glad you warned me ahead of time”.

And that’s a recession, friends