Wednesday, August 24, 2011

How to move Gmail signature to top

If you have created a signature in Gmail, while sending a Reply to a email or while forwarding an email, you might face this issue. Your Gmail Signature will come at the bottom of the mail you are Replying or forwarding.

If you want to move Gmail signature to top, follow the below steps. It's very easy.

  • Select the Options Icon at the Top Right Corner in your Gmail page
  • Then Click on Labs
  • Now Press "Ctrl + F" to Search for "Signature tweaks" in Labs
  • Enable it by clicking the Radio button against Enable
  • Now hit the Save button at bottom of the page.
  • Now go to the Signature Editor in Options -> Mail Settings.
  • Add email delimiter (--) to your signature as it will not be automatically added
  • For example see below signature:

    That's all. You are done. If you want a nice Quote to add to your Signature, get is from here.

Tuesday, August 23, 2011

Eight Simple Ways to Plan your Taxes

This article is a part of [Personal Finance Tips to master your own Finances]

You have got only a few more months to complete this financial year. Very soon you will get a call from your company to submit the proofs for tax saving investments. So why don’t you spend some time on organizing your tax plan?

1) Proper Allocation of Annual compensation:

Restructuring your salary with some additional components can reduce your tax liability. This restructuring doesn’t require any additional cash outflow. The following components can be efficiently used to reduce your income tax liability.

  •  Transport allowance to the extend of Rs.800 is exempt
  •  Medical expenses which are reimbursed by the employer are exempt to the tune of Rs.15000
  •  Food coupons like sodexo or ticket restaurant are exempt from tax up to Rs.60000
  •  Individuals who are all living in a rented accommodation can include House Rent Allowance ( HRA ) as a part of their salary
  •  Leave Travel Allowance (LTA) can be part of your salary as this can be claimed twice in a block of 4 years.

2) Effective Utilization of Tax Exemption:

As far as possible utilize the maximum exemptions available under section 80 C, 80 CCF and 80 D. The maximum exemption available under section 80 C is Rs. 100000.

Under this section Rs.100000 investment or contribution can be made in PPF, NSC, Life insurance premium, 5 year FD with banks and Post offices, Mutual Fund ELSS, Principal Repayment of housing loan, and the tuition fees paid for children’s education.

Under Section 80 CCF, you can invest up to Rs.20000 in infrastructure bonds.

Under Sec 80 D, the premium paid towards the mediclaim policies are exempt. The maximum limit of exemption is Rs.15000 and for senior citizens the limit is Rs.20000 and for covering senior citizen parents there is an additional exemption to the extend of Rs.15000.

3) Properly Structure your Housing Loan:

The Principal repayment of a housing loan is eligible for a deduction up to Rs.100000. The interest paid on a housing loan is eligible for a deduction up to Rs.150000. If the housing loan is for a sizeable amount, then it is possible that the principal repayment and interest may exceed the specified tax exemption limit. To utilise the maximum tax benefit, an individual can consider going for a joint home loan with his/her spouse or parent or sibling. This will make sure that both the co-owners can claim tax deductions in the proportion of their holding in the loan.

4) Tax Plan in Sync with Overall Financial Plan:

You should not do your tax plan in isolation. You need to do it in sync with your overall financial plan. So a tax plan is not only to just save taxes and also it should assist you in achieving your other financial goals like children’s higher education, buying a home or retirement.

5) Avoid Last Minute Rush:

In fact the right time to do the tax plan is the beginning of the financial year. If you postpone your tax planning even now and do it in the last minute, then you will not be able to choose the right investment. In the last minute rush, you will be forced to choose a scheme which gives the proof immediately. Is the investment sound and profitable? Is there any other better options? You will not be able to choose the best scheme and you may settle with a mediocre one.

6) Invest Some Quality Time:

Before investing your money, you need to invest your time. You need to take some quality time to understand the various tax saving options and compare their benefits and limitations.

7) Check for Future Commitments:

Some tax saving options like NSC or ELSS need only onetime investment. Some other tax saving options like PPF, Ulips need periodical investments year after year. You need to be careful in choosing a tax saving scheme where you need to commit for periodical future payments. You need to check on a few things like; do you need such a future commitment? Will you be able to meet the future commitments at ease? The law may change and you may not get any tax exemption for your future payments. Would you consider the scheme irrespective of tax benefit for the future payments?

8) Changed Your Job; Redo your Tax Plan:

Did you switch your job in the middle of the financial year? Then you need to redo your tax plan with consolidating the income from both the companies. It is advisable to inform the new company about the income during the particular financial year from the old company. So that your new company will deduct the right amount of TDS. Otherwise you may need to pay extra tax at the end of the financial year.

Whenever you change your job, you need to have a sitting with your financial planner or tax advisor. So that the required changes in your tax plan can be done proactively.

With proper tax planning you can reduce your tax liability; save more; invest better and become wealthier.

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, August 20, 2011

A Personal Finance Checklist for Newly weds

This article is a part of [Personal Finance Tips to master your own Finances]

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 management style of each other and their own. Then you need to create a mutually agreed combined money management style.

This will be vital to you both throughout your married life to help minimize stress from disagreements about money.

Update Your Records:

Change of Address: You could have shifted to your in law’s place or both of you could have shifted to a new place. So you need to make necessary change of address requests to your bank accounts, demat accounts, mutual fund accounts and so on.
Change of Name: Generally the women change their initial or the last name after their marriage. This need to be updated in all the accounts.
Change of Nominee/Beneficiary: You may like to change the nominee to your spouse for the investments, accounts, insurance policies which you have taken before marriage.
Changes in Will: You also need to create a will if you have not created one so far. If you have already a will, then you need to revisit your will now.

Assign Financial Responsibilities:

You need to decide, who is going to take care of day to day money management i.e. paying bills, monitoring investments and the like.

Develop a Family Budget:

You need to create a workable budget for your family that gives extra money and life. This budget should take into account both of your income, the individual expenses and family expenses.

Create an Emergency Fund:

You need to accrue savings for some surprise situations like loss of job, break in job or sudden expenses like a major repair to your car or house. Generally the emergency fund needs to be in the range of 3 to 6 month of family expenses.

Insurance Coverage:

So far, you may not be having any dependents or less number of dependents. You could not have considered life insurance or take for a less coverage. This is the time to look at life insurance seriously. When I say life insurance, I am talking about only term insurance and not the ULIPs. Ulips have been rejected by the market for its heavy front loaded charges.

Debt Payoff Plan:

Suppose, if you are already on debt, you need to create a debt payoff plan. This plan will help you in getting out of debt and staying out of debt.

Spend Smarter and Save More:

Spending habits will be different from individual to individual. Both of you need to align your spending pattern and learn how to spend smarter and save more.

When both are working and not having kids yet is the stage you have more income, especially more disposable income. Couples need to be careful and avoid overspending and save as much as possible during this stage. This will ease you out when you have more expenses at the later stage of your life.

Set Combined Financial Goals:

Both of you need to spend some quality time discussing about the financial goals like buying a home, international vacation and the like. This is the right time to plan your retirement.

Chalk out a Financial Plan:

Once you have set the combined financial goals, then you need to chalk out a financial plan to achieve these goals. You need to take into account growth rate of your income, inflation on your expenses, time set to achieve various goals, rate of return expected from various investment options.

This is slightly a complicated procedure and this plan need to be reviewed periodically. That is why it is better to outsource it. You may seek assistance from a professional financial planner.

To financially succeed, it needs teamwork from both the partners. As a newly married couple, you have enough time and plenty of opportunity. I am sure that with this checklist and the guidance from financial planner, you will reach your life goals together.

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

Friday, August 19, 2011

How Should you invest in stock market after your retirement

This article is a part of [Personal Finance Tips to master your own Finances]

How and Why Should you invest in Stock Markets Even After Your Retirement?

Inflation and Retirement:

Most Retirees feel great getting a bulk sum as provident fund and gratuity, and wish they knew a magician, who could spin their money 2 to 3 times in just 5 years, in addition to ensuring a regular return for their day to day expenses. It is true we all want it to keep up with the inflation rate in the market. I know of no such magicians, and it is practically not possible to multiply your money 2 to 3 times in just 5 years. But I definitely know of smart investment planning and investment advisors that could help you to beat inflation.

A step by step look at your considerations to come out with smart calculated investment decisions:

• Post-retirement, you know that you would no longer earn a regular income and would have to stay on your savings, provident fund, gratuity, and other benefits that have been given to you. You would definitely want more good returns on your investments, but your appetite for risk is low, for you would not want to lose your precious savings. So you would prefer to shift your portfolio of investment from risky ones to safer ones like fixed deposits in banks and good rated companies.

• However, your need for more income, capital gains to keep up with inflation, and rates of interest on fixed deposits decreasing each year may make you puzzled about coping up with the increased financial needs. You, as a senior citizen are lucky to be getting additional interest, however taxes leave you with not much more. However you are not prepared to subject your savings to the volatile bullish and bearish trends of the share market of over-confidence and pessimism.

• You retire at 60, considering 5% is the rate of inflation annually, with life span as 85, and spending Rs.20000 per month, you would require a retirement corpus of Rs.42,00,000 if the return rate was 8%, while you would require Rs.47,00,000 if the return rate was only 7%. I am sure you would invest smart, reducing your retirement corpus by 10.5% by just investing for 1% more return.

• It is true that stocks and shares gave an annual compounded return of 17 to 18% in the last 15 years, with long term stocks giving a compounded returns of about 15 to 18% annually. However, you have not appetite for risky and volatile investments, and may want to play safe with low or moderate risk to capital and in not putting all your eggs in one basket or to divide your risk.

• After your retirement you would do best to follow the advice of financial experts and invest no more than 10 to 20% of your retirement corpus in shares and stocks. A novice to the share market, or lack of time, inclination or shrewdness may not prove right to deal in the share market, and most financial advisors advice senior citizens to invest in mutual funds. These companies have experienced fund managers and researchers with in-depth knowledge of various industries and valuation principles and also offer diversified investment options in shares in companies, debt instruments and government securities.

• The choice of retirees should be to invest in big cap funds, funds investing in huge paid-up capital companies, while mid cap funds suit those who do not mind medium risk-taking. However small cap funds, invested mostly in start-up companies are to be avoided, being highly volatile in nature.

• Time plays a vital role in investment in mutual funds, and a good investment advisor would advice you appropriately. The best option for senior citizens would be to first invest a lump sum in a debt based funds that promise good, safe and regular return. This could be followed up by a systematic investment/transfer plan of investing or transferring through ECS regularly a fixed amount for units of a mutual fund. This definitely proves beneficial to take advantage of the volatility of the market, as buying different number of units each month helps to spread the risk also.

A Final Thought:

However your smart calculated investment choice of mutual funds requires evaluating every 3 to 6 months. This would help switching between mutual funds at the right time. My last but most important advice again especially to senior citizens is never go in for stock trading in a big way without proper knowledge and inclination and lose due to volatility of stock and share market.

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

Thursday, August 18, 2011

What is Phising Scam? Stay away and stay safe from such scams.

What is Phising Scam?

Phishing is a technique used by fraudulent individuals or groups by which they try to collect sensitive personal information from unsuspecting users by employing social engineering techniques. They send emails that appears exactly same as an email from a genuine Bank, or Income tax dept etc and the mail contains a link that points to the Phishing site which looks very similar to the Bank or IT Dept website.

Then they will ask the user to fill the personal information like User name, password, transaction password, pin etc. Once they get all these information, they will save these info in their database and use it to access your Bank account or Credit Card account and will go away with all your money.

Don't fall Pray to such Phishing Scams:

Why people fall pray to such Phishing scams?
Because the Phishing emails entice them saying that they can get some money by clicking the link provided. The text is very similar to message from a bank, credit card or Income Tax dept. But, if you are not expecting any money, why should you click such fraudulent links? No bank or credit card or Income Tax dept will send you money if you are not eligible for a refund. In case of refund, you must be aware of it well ahead.

Precautions to take while using internet to stay safe from Phishing scams

Here are few tips provided by HDFC bank. Folow these tips and stay away from such Phishing scams.
  • In case of doubt, do not click on any link provided in the e-mail.
  • Do not give any confidential information such as password, customer id, Credit/Debit Card number or PIN,CVV,DOB to any e-mail request, even if the request is from government authorities like Income Tax department or any Card Association company like VISA or Master Card.
  • Do not open unexpected e-mail attachments or instant message download links.
  • Always check the web address carefully before sharing any sensitive information.
  • For logging in, always type the website address on your web browser. For example if you want to login to HDFC bank website, type
  • Ensure that you have installed the latest anti-virus/ anti-spyware/ personal firewall/ security patches on your computer or high end mobile phones.
  • Use non-admin user ID for daily work on your computer.
  • Do not access NetBanking or make payments using your Credit/ Debit Card from shared or unprotected computers in public places, like cyber cafe or hotel rooms. 
  • Do not call and leave any personal or account details on any telephone system, voice message, e-mail or an SMS.
  • Do not transfer funds to or share your account details with, unknown/ non-validated source, luring you with commission, attractive offers.
Hope this information will be useful to you and will help you stay away from Phishing Scams and stay safe online. 

Real life example of Phishing Scams:

Recently one of my friend who is a Software Engineer in a Big MNC was about to fell in the Phishing scam. He almost filled all sensitive information like net banking login id, password, etc. But luckily he noticed the website link to be different and then closed the website thinking that it's a Scam website

It's a big shock to know that people with good technical knowledge and well acquainted with internet fall pray to Phishing Scams. Apply your common sense. No body will give you money without any genuine reason.

Share with your friends and family members to stay safe online. Don't ignore. Let's make internet a safe place. Post your valuable comments.

Saturday, August 13, 2011

How to share a file publicly

How to share a file publicly with your friends, or team mates or blog readers?

There are many ways to share a file publicly. But there are many restrictions, or inconvenience while sharing. Even the users also face many difficulty in downloading the file you shared.

I found DropBox to be very useful tool if you want to share a file of any type, i.e. text, spread sheet, power point, executable, picture, image, audio or video.

How to share a file publicly through Dropbox:

1. Log in to your DropBox account. Open the Public folder.
2. Add the file to Public folder.
3. Right-click/control-click this file, then choose "Copy Public Link". This copies the Internet link to your file so that you can use the link address to share.

[Click on the image to enlarge]
Hope it is useful.

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