Friday, April 29, 2011

Crowd at the Royal Wedding of Prince William and Kate Middleton Photos

The Royal Couple, Prince William and Kate Middleton
The Royal Couple, Prince William and Kate Middleton

Guests at Royal Wedding
Guests at Royal Wedding

Kate Middleton Prince William Royal Wedding
Kate Middleton  Prince William  Royal Wedding

People watching Kate Middleton Prince William Royal Wedding
People watching Kate Middleton  Prince William  Royal Wedding

British people watching Kate Middleton  Prince William  Royal Wedding
British people watching Kate Middleton  Prince William  Royal Wedding

Crowd gathering at Kate Middleton  Prince William  Royal Wedding
Crowd gathering at Kate Middleton  Prince William  Royal Wedding

Huge Crowd at Kate Middleton  Prince William  Royal Wedding
Huge Crowd at Kate Middleton  Prince William  Royal Wedding

Royal Wedding Pictures - Prince William and Kate Middleton Wedding

Catherine Middleton with her father Michael Middleton at Westminster Abbey for her wedding to Prince William
Catherine Middleton with her father Michael Middleton at Westminster Abbey for her wedding to Prince William

Prince William placed a Welsh gold wedding ring onto Catherine Middleton's Finger
Prince William placed a Welsh gold wedding ring onto Catherine Middleton's Finger

Prince William and Catherine Middleton after saying their Vows
The Royal Couple Prince William and Catherine Middleton after saying their Vows

Guests at Royal wedding
Guests at Royal wedding

Prince Harry and maid of honour Philippa Middleton at a lighter moment
Prince Harry and maid of honour Philippa Middleton at a lighter moment

Royal Couple walking down the aisle
Royal Couple walking down the aisle

Royal Wedding Ceremony Picture
Royal Wedding Ceremony Picture

William and Catherine heading to Buckingham Palace
William and Catherine heading to Buckingham Palace

Royal Wedding Kiss Kate Middleton  and Prince William - The Balcony Kiss
Royal Wedding Kiss Kate Middleton  and Prince William - The Balcony Kiss

Prince William with Beautiful Kate

Prince William with Beautiful Kate

Royal Couple return to Buckingham Palace Video

Royal Couple, Prince William and Kate Middleton return to Buckingham Palace.

Royal Wedding Kiss Video

Prince William and Kate Kiss after the Royal Wedding - The Balcony Kiss

The Balcony Kiss Video - Royal Wedding Will and Kate

Tuesday, April 19, 2011

How to Retire Early? Retire sooner and richer

How to Retire Early? Retire sooner and richer:

The mindset of today’s young professionals is changing radically. They would like to have a semi-retired life in their late forties or early fifties by taking up a hobby instead of a regular job.

Somewhere within all of us, there is a dream to reach a point in life where we have enough wealth to be able to choose the work we would like to do and the pace at which we would like to work, if at all we feel like working; a point also referred to as financial freedom. Financial Freedom is also interpreted as being able to spend whatever amount you like, on whatever things you like, month after month.

Here is a step by step guide to Retire Early.

How long you expect to live?

First of all, you need to decide on “How long you expect to live?” This is going to be the starting point for your retirement plan. This you can decide by your health history and your family health history.

Will you run out of money?

You need to accumulate enough money required to live up to that age. You need to calculate the corpus amount required for retirement based on when do you want to retire?, how much you need to spend every month after retiring?, Inflation, tax, investment returns and the like.

There are two things which can make you run out of money in between. One is inflation and the other one is medical expenses at the old age. So you need to be very careful in assuming inflation when planning for retirement. Also you need to be adequately covered with right health insurance policies.

Retirement corpus Break up:

You need to divide your retirement corpus into two portions. One portion of it is the corpus required to retire at the regular age. It could be 58 or 60. The other portion is the corpus required to live between the early retirement and the regular retirement. Say if you want to retire at 50, what would be the corpus required to live between the age of 50 and the regular retirement age of 58 or 60.

First you need to accumulate money for your regular retirement. Then you need to proceed to accumulate for your early retirement. This way you break your targets and it psychologically gives you a lot of comfort in achieving early retirement.

Don't fall for get-rich-quick schemes:

To retire early, definitely you need a sizable corpus. Don’t look for any short cuts and get-rich-quick schemes. Only with the increased risk comes the increased return. If any scheme assures low risk and high return, then it is going to be another scam. So stay away from those schemes.

Don't fear stocks:

You need to consider investing in a well diversified portfolio for long-term. Diversified Equity mutual fund schemes are better. By investing in a diversified equity portfolio you will be taking calculated risk and not blind risk. Equities will beat all other asset classes in the long run. So it is an important option for those who want to retire early.
Reduce your annual cash requirements for when you retire by working out a careful budget
The monthly income required after retirement is going to be an important criteria for deciding the retirement corpus. If you are comfortable with lesser income you can retire sooner. So you need to be careful in drawing a budget for cash requirement post retirement.

Investigate a better return on your savings:

Better return on your investment portfolio will help you retiring early. So maximize the return on your portfolio as far as possible.

Cut your current spending so you can save more:

Money spent is money saved. Spend less; save more; invest smarter and retire sooner. There are more number of ways to spend smarter to save more.

Earn more now:

Time is money. Don’t waste your time. Invest your time in revenue generating activities. Apart from your regular income source, there are other opportunities which you can exploit. You can create blogs; you can be a freelance writer; you can do internet marketing. There will be numerous opportunities based on your knowledge and skills if you take time to think and implement.

Take advantage of tax-deferred opportunities:

Tax deferment is an important tool for early retirement. Tax deferment means less tax now. If you pay less tax and you will have more money to save. You need to pay tax on FDs on maturity even if you renew them. Income funds and MIPs could be a better alternative to this. You need to pay tax only when you actually redeem.

Find out some ways to have an income:

Even after retirement you can have an income by way of a hobby or interest. You need not work on a regular schedule. Say you can be a trainer, you can be a blogger, you can be a consultant, or you can be an advisor in your chosen field. It generates money as well as it keeps you engaged after retirement. One of my clients has written a book and he is able to generate income from the copyright of that book year on year. If you are able to generate this kind of income, then you can retire early.

Retiring early is possible for each and everybody. You need to start planning for it little earlier. Professional assistance from financial planners will be of definitely useful to you, if you desire to retire sooner and retire richer.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners ( a firm that offers Financial Planning and Wealth Management. He can be reached at

Top Ten Tips For Long Term Investors

Long-term investors wishing for capital gains have to follow a few principles and learn the 10 great tips for long-term investment to safeguarded against heavy losses.

10 Great Tips For Long Term Investors

Decide your investment strategy and stick to it:

You know what is best for you and this applies to deciding with foresight the ideal investment strategy for you. Once the strategy is set, do not fluctuate in your decision each time you decide to invest. This would only mean losses instead of profits. However in certain cases when you realize a certain sector is doing badly, you may have to revise your investment strategy.

Conduct your own research on stocks:

It is not advisable to just depend on hear say and decisions of your neighbor, friend, or relative and invest in stocks. It may seem easy but could amount to gamble. Being an informed investor investing your hard-earned money needs you to ensure if the investment would meet your financial goal. This could be done through research from various sources.

Learn to overlook short term fluctuations:

A long-term investor like you need to understand that it is futile to be affected by short-term fluctuations of the stock market. Investing in good and reputed portfolio ensures good quality of your investment and capital appreciation in the long run. The short-term volatility of the share market has got nothing to do with this financial goal.

Resist investing in penny stocks:

Some investors have a common misconception that it is better to invest in penny stock than in high value stocks. This is wrong as whether you buy stock at Rs.5 a unit or Rs100 a unit you will lose all your money in case of losses. However a company with higher net asset value stock would prove less risk considering the regulations put on it.

Discard the losers and pamper the winners:

There is a tendency for long-term investors to sell off appreciated stock and to hold on to depreciated stock in the hope that it would rise. It is wrong, as it is possible that big value stock could appreciate further and you could become a high net value person and small value stocks could fall further and you could make losses. It is better to acknowledge you went wrong, swallow your pride and discard the loser stocks and lessen your losses. Your decision lies in deciding to suffer a one-time loss for future long-term gains.

Never emphasize overly the price earnings (PE) ratio:

Investors have a tendency to place excess importance on the price earnings ratio. However this could be misleading, and it is better to take other ratios and analytical processes to decide on long-term investments.

Adopt an open-minded investment strategy:

It may be advisable to consider investing in good companies, however it is wrong to overlook the point that small start-up companies would make losses. Even such companies with good strategies and growth plans could contribute to long-term capital appreciation.

Base your investment strategy on the future:

Investment decisions based on past happenings may not always be right. It is better to consider the happenings, but give more importance to the present and future prospects of the investment. An informed decision based on the fundamentals and mission of the company helps in long-term wealth creation.

Consider tax friendly investments:

Making investment decisions based on tax considerations may prove counter-productive. You would have poor long-term capital appreciation. However minimizing taxes and maximizing returns after taxation would help.

Adopt a long-term perspective:

Adopting a long term prospective is advisable for a long-term investor. Only stock traders with time, financial resources and specialized skills like education and expertise could benefit from volatility of the stock market.

Which of these tips do you think are absolutely critical to succeed as a long term investor? Do you think there are more tips a long-term investor should follow, do share with us.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners, a firm that offers Financial Planning and Wealth Management. He can be reached at

Saturday, April 16, 2011

Hit Counter for your Blog or website

Hit Counter is a Tool that counts all the page visits to your Blog or Website. Hit Counter is a nice tool to have a track on the page visits in your Blog or website. Below is a sample Hit Counter image. But, you can customize the image from a range of choices.

You can have below features in any Hit Counter that you use:
1. The style you want (you can choose one style out of many choices)
2. The starting count (anything you want)
3. What to count (unique visitors or page views)
4. How many digits you want to show
5. Whether or not you want visitors to see your statistics.

There are many websites that provide a free service (Ad-supported) for using Hit Counter.
Here are few useful sites you can use as Hit Counter.

Opera Browser - Best for Slow Internet Connection

If you have a slow internet connection, it is very frustrating as the webpages load very slowly. Sometimes, we close the Browser out of frustration. But, here is a solution for Slow Internet Connection.

Opera Browser:

Opera is another Web Browser similar to Internet Explorer, Chrome or Firefox, in case you don't know what Opera is. Opera browser includes the unique Opera Turbo mode that can load webpages up to five times faster than other browsers.

How Opera manages to enhance Speed in Slow Internet Connection:

When Opera Turbo is enabled, webpages are compressed via Opera's servers so that they use much less data than the originals. This means that there is less to download, so you can see your webpages more quickly.

How to enable Opera Turbo:

Enabling Opera Turbo is as simple as clicking the Opera Turbo icon at the bottom-left of the Opera browser window. When you are on a fast connection again and Opera Turbo is not needed, the Opera browser will automatically disable it.

Get Started:

Now, experience yourself with the great feature from Opera. Download Opera 11.10, install and use.

Wednesday, April 13, 2011

Credit Card

A Credit Card is a plastic Card with a magnetic tape that contains electronic information about the Credit Card holders authentication and about the Credit Card issuing Bank / Company.

How Credit card works?

Credit Card Approval:

The Credit card is issued to the Customer/user by the Bank or Credit Union after proper verification and with documentation. If someone holds a decent regular job, the approval process is very simple. For others, verification and documentation depends on the customer's existing reputation with the bank. Again, for all the applicants, Credit History check is a must. A good Credit History is an advantage for fast approval of a Credit card.

Credit card usage:

Once the Credit card is issued to the customer, they can use it in various ways.
1. Credit card can be used to shop at various merchant shops, eat food at hotels, book ticket at railway counters, pay tuition fees in training institutes etc. (It doesn't mean that Credit card are acceptable at all merchants or hotels etc)
2. A lot of internet Websites accept Credit card for online shopping or e-ticket booking. A customer can use the Credit card to purchase goods or services online. For online shopping, Credit card is a great tool.

Payment Back to the Credit card issuer:

Credit card payment works in a cycle. Generally Credit card issuers give a free credit for certain days. It varies issuer to issuer. Approximately 50 to 52 days. The customer has to pay the entire amount billed for their Credit card within this period.
Also, there is a Partial payment option for Credit card. But, it is not advisable as the entire amount will be charged with interest in case of partial payment.
Non-payment will attract late payment fee as well as interest.
The interest rates are too high for Credit card. But again it varies from issuer to issuer and from plan to plan.

Credit card Types:

1. Cash back Credit card
2. Rewards Credit card
3. Travel Credit card
4. Business Credit card
5. Other Credit card

Credit card Issuers:

Here is a list of few major Credit card issuers in India:
1. State bank of India
2. ICICI Bank
3. HSBC Bank
4. HDFC Bank
5. Citibank
6. Standard Chartered Bank
7. ABN Amro
8. American Express
9. Axis Bank
10. Bank of Baroda
11. Deutsche Bank
12. Barclays Bank
13. Canara Bank
14. Amex
15. Kotak Mahindra

Friday, April 8, 2011

Compare auto insurance in India

If you are planning to take an Insurance for your vehicle, you must Compare auto insurance from all Auto Insurance providers available in India.

Here is a list of some of the Insurance Companies in India to Compare auto insurance:

HSBC India - AutoSecure
Bajaj Allianz - Bajaj Allianz's Motor Insurance
ICICI Lombard - Motor Plans
United India Insurance Co. - Motor Package and Liability Only Policies
The New India Assurance Co. - Motor Policy

Now, you can Compare auto insurance in all the above website of the Insurance companies to find the best deal for you.

Home Insurance in India

Monday, April 4, 2011

India wins ICC World Cup 2011 Final - Celebration photos

The World Champions - Indian Cricket Team

World Cup 2011 Final moment

Dhoni and Tendulkar - Moment of Joy

Yuvraj Singh celebrates win over Srilanka in World Cup 2011 final at Wankhede Stadium

Yuvraj with Gary Kirsten, coach of India

Sachin Tendulkar is chaired on a lap of honor after India's victory over Sri Lanka in the ICC World Cup 2011 Final

Team India celebrates World Cup 2011 win

Team India celebrates World Cup 2011 win

Team India celebrates World Cup 2011 win

Zaheer Khan with World Cup Trophy

Sachin with Son Arjun and Daughter sara

Sachin and Gambhir with World Cup Trophy

Coach of India,  Gary Kirsten in air

Sachin with fan

World cup 2011 India team

World cup final 2011 pictures

World cup final 2011 India team picture

World Cup Final India vs Sri Lanka. MS Dhoni guides the historical chase

ICC World Cup Final match - Best moments photos

ICC World Cup Final match - Best moments photos

India wins the ICC world cup 2011 final by beating SriLanka. Here are some eye catching photos of the ICC World Cup 2011 final match best moments.

MS Dhoni (Captain of Indian Team) and Kumar Sangakkara (Captain of Sri Lankan Team) with ICC World Cup 2001 Trophy

Zahir Khan trying to save a boundary

Dhoni, shewag and Yuvraj celebrates in ICC World cup 2011 final

Dilshan hitting a boundary

zaheer khan celebrates with Kohli after taking a wicket in ICC World Cup final 2011

Sehwag taking a difficult catch

Dilshan clean bold by Harbhajan Singh

Harbhajan Singh in Action

Kumar Sangakara (Captain of Srilanka Cricket Team)

Yuvraj and Raina celebrating

Skipper and Wicket Keeper Dhoni

Jayawardene hits a wonderful Century in ICC World Cup 2011 final

Yuvraj Singh world cup final picture

Yuvraj Singh - player of the tournament

Malinga taking Sehwag Wicket

Malinga taking Sachin Wicket

Sachin and Gautam Gambhir with World Cup

Sachin with world cup

Celebrities photos in the ICC world cup 2011 final at Wankhede Stadium, Mumbai
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