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Tilak Raj Sarangal
Thumb Rule of Financial planning!
1. 30 % of your income must be used for monthly living expenses.
2. 30% of your income must be used for Liabilities repayments, if any...
3. 30% of your income must be SAVED and INVESTED for your future LIVING.
4. 10% of your income must be spared for entertainments, vacations
5. 6 months expenses must be available for emergency fund (should be invested in LIQUID FUND, FD Etc)
6. Home loan must be registered and apply on both husband and wife name. (Both can get benefits on Home loan Tax benefits)
7. Buying second house for investment is not advisable ( _Survey reports - it will fetch you only around 3% return_)
8. After 45 years of age, not supposed to enter into any BIG LIABILITIES (Higher education of children and wedding of children will happen around 45 to 50 only, so plan now for the same.)
9. Have joint account @ Bank savings account.
10. Property must be registered on both Husband and wife name. (As per legal act – after husband first legal heir is wife, after wife it will go to children only)
11. Regular check on Nominations at all financial instruments. if not nominated, do it now..
12. Only in insurance policy, Claims payable to Nominee. In other financial instruments legal heirs certificate is must to get back the settlement
13. Must have Term Insurance to financially secure future of your dependants..
14. Don’t take any financial investment decisions EMOTIONALLY, and also Avoid last minute tax saving investment decisions, plan well in advance..
15. MEDICLAIM is must (in spite of Group mediclaim coverage given at office) (After retirement there is no mediclaim coverage, after 50-55 years of age, it's very tough and costly to enter into mediclaim)
16. For your jewelry LOCKER, Only one lakh is payable by bank, if theft or fire happen at bank. Provided insurance done.
17. Like same way Government guaranteed only one lakh for your FD also. (Fixed deposits with Banks upto Rs. 1 lakh only are backed by deposit insurance)
18. Must know all Tax implications. You cannot avoid paying tax. But you can minimize by way of tax planning and investments..
19. All financial documents must be kept safely and keep family members informed of the same..
20. Financial investments must be followed through personal financial advisor..
21. Review your portfolio at every six month..
These are general suggestions, personal Finance and investment decisions depends upon case to case_
Have a Healthy and Wealthy 2017..
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I get bored very easily with anything and anyone. Plus I have a very fluctuating mind. What do I d… by Ritisha Vimal https://www.quora.com/I-get-bored-very-easily-with-anything-and-anyone-Plus-I-have-a-very-fluctuating-mind-What-do-I-do-1/answer/Ritisha-Vimal?share=a1c00c8a&srid=Y7rw
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Best IAS TELEGRAM CHANNEL
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POSITIVE INDIA
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Just Loved these lines
Written by
Vinood Khanna (Actor)...
" When I got enough confidence, the stage was gone….. When I was sure of Losing, I won……. When I needed People the most, they Left me……. When I learnt to dry my Tears, I found a shoulder to Cry on…… When I mastered the Skill of Hating, Someone started Loving me from the core of the Heart…… And, while waiting for Light for Hours when I fell asleep, the Sun came out…..
That’s LIFE!! No matter what you Plan, you never know what Life has Planned for you…… Success introduces you to the World……. But Failure introduces the World to you……. ……Always be Happy!!
Often when we lose Hope and think this is the end… God smiles from above and says, “Relax Sweetheart; It’s just a Bend, not the End..!"🌹🌹
Life is unpredictable and you are too. When it changes then so can you. Be flexible amongst your obstacles!
Adrian Starks
Good morning have a good day 😊😊
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Before5am
How many hours a day are you practicing, training and rehearsing?
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The truth is a lack of practice is the biggest reason most people never perform at a high enough level to ever reach their potential and be considered world class.
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Whether you look at Jerry Rice or Ayrton Senna or Bill Gates or Beyoncé they all have one thing in common and that is they practiced, trained, rehearsed and developed their skills when you weren't watching so that when you were watching you would see a truly epic performance!
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It's the work you do behind the scenes when no one is watching and when nobody knows who you are that determines the level of your performance and it doesn't matter what your industry, job or craft you've got to be committed to practising and training and rehearsing every single day!
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How many hours a day should you practice, train and rehearse?
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As many hours as it takes for you to become world class and reach your full potential.
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Don't give in. Don't give in to blame. Don't give in to countless fears. Don't give in to doubt of what you can accomplish. Don't give in to the voice of your past saying "this won't work because you failed before". Don't give into failure. Don't give in to negativity. Don't give in to naysayers. Don't give in to the norm. Don't give in to time for others but not for yourself. Don't give in to losing. Don't give in to letting life walk away from you.
You have winning to do! You have searching to do. You have self development to do. You have planning to do. You have building to do. You have creating to do. You have growing to do. You have you to pursue. Don't give in to what doesn't count. This is a numbers game. The more you do with your life the more you don't have to focus on giving in to what doesn't count because you are too occupied with doing what really counts. Don't count yourself out ever! This is your decade! This is your lifetime! Make that count! Are you ready to win or are you waiting on life to be easy on you. You are much tougher than you think. Believe the Champion in You! -Adrian Starks
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Have a good day
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Before5am
So you want to win this game?
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Well, first things first... you better know exactly what the definition of winning is for you?
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Now I'm not talking about some generic definition of success or getting ahead... I'm talking about your unique definition of winning the game of life.
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If you don't know what the key objectives and targets are for your life, then how are you ever going to win the game of life?
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I know you're out there hustling, grinding and working hard every day to get ahead, but what are you actually playing the game of life for?
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Everyone has a different definition of winning, but sometimes we get caught up trying to keep up with everyone else or going down a path that is hardly ever going to make us happy or even wealthy on any level, including financially.
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So, I'm asking you to decide and determine what your unique definition of winning is...
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It's time to be bold and brave enough to declare what your definition of winning is, because if I ask you to set your life goals or tell me about your dreams most of you will sell yourself short and come up with a list of things you think you can achieve rather than what your soul and heart truly and absolutely wants!
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You can't win a game if you don't know what the rules are and what the objectives are, so let's become the master of our own universe and declare what it is in exact detail that we are going for.
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Once you know that, we can get to work and start working towards winning!
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Don't be shy, don't be scared and stop hiding from your true definition of winning because all you're doing is burning your time, energy and personal resources and before you know it, it's game over and unlike a computer game you don't get to respawn and have another go.
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I want each and every one of you to win the game of life and that's my job... to make sure you win, but your part of the deal is to know with absolute certainty what winning looks like for you!
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The saddest thing in life is winning at someone else's game, a game you never wanted to play let alone win and I see it every day and it's a path you don't want to go down.
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It's game time and it's a game you absolutely can win!
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Be mindful of what you let enter your mind. There is a recording process that takes place. What you hear or read the most through repetition will be what you come to believe. It will be replayed back to you to either make excuses for your circumstances or help you to locate and hunt your reasons to succeed beyond the circumstance. Everyday you are creating your future Champion. Feed it good food for thought so that it can keep fighting for your peace of mind. Believe the Champion in You! -Adrian Starks
Good morning
Have a good day....😊
Best IAS TELEGRAM CHANNEL
/channel/IASRV13
POSITIVE INDIA
/channel/lifeiseasy13
Before5am
It's time for some good news!
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You're only ever lacking in three areas and guess what?
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You can turn those 3 things around relatively easily and quickly!
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It's easy to get caught up thinking, that you're miles behind, that you can't find your flow or mojo or that you're just lazy and unmotivated.
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The good news is you are only a few decisions, actions and a few days away from finding your mojo again!
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The first place to look when you lose your mojo is your energy levels.
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What are you eating & drinking? Are you eating lean, green and light? If you aren't already, cut your intake down and focus on hydrating your body with water and eating fresh organic food...being light on your feet and energizing your body is step #1.
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Also take a look at your exercise regime, are you exercising for energy or are you burning your body out at the gym?
Make sure you are getting good consistent rest every night and don't forget to spend some time alone in nature connecting with your inner most self!
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The second place to look is your production levels or more so your lack of production!
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Are you producing enough work or activity to get the results you want?
That's usually the real cause of most of your problems.... a lack of work, effort and momentum. In many cases a lack of production stems from a lack of energy - but hey, we're working on that right?
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The third place to look when you're floundering is your confidence levels, but don't panic, we all lose our confidence from time to time.
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When you lose your confidence and your sense of certainty everything else will be impacted especially your performance.
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The best way to get your confidence back is to go back to basics for a few days and try and build some momentum and get your flow back that way.
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You lose your confidence when you lose your self belief, so do the simple things you know you can do well... then you'll start to believe in your ability again!
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It's time to get your mojo back and get back in the game and remember next time when you get stuck you only have to make adjustments in these three areas and most likely they will only be small tweaks and changes that need to be implemented.
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Go get it!
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Let’s adopt the practice of #recycling waste! Take a pledge to make #India a clean nation by 2019 ❤️
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Stay focused. We often get sidetracked because we are worrying too much about whose watching, what they are thinking and what's being said. Who cares.. Don't be held captive due to their harmless opinions. People can assume but they will never be able to predict your next winning move. There are people who wonder, people who watch and people who make things happen. Be that powerful, optimistic individual who makes things happen regardless of how many times you may fail at an attempt towards something.
There is no way around failing or making mistakes. If you are trying you will fail at something. See it as learning and corrective feedback. Albert Einstein clearly stated that the one who has never made a mistake has never tried anything new. The world thrives from people who get out there and who don't mind being laughed at or ridiculed as long as they stay resilient and keep the vision of what is possible in front of them. Live your dream but do not let your dream outlive you. There is more winning to do. Believe the Champion in You! -Adrian Starks
Good morning have a great day...😊
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Link of positive India group. If you have any positive news, links , story ,video, article and other things.
You can share it
https://t.me/joinchat/AAAAAEC9aUPog6ukEO0N_w
Best IAS TELEGRAM CHANNEL
/channel/IASRV13
POSITIVE INDIA
/channel/lifeiseasy13
What is the difference between being a follower of a good leader or being a good leader? by Ritisha Vimal https://www.quora.com/What-is-the-difference-between-being-a-follower-of-a-good-leader-or-being-a-good-leader/answer/Ritisha-Vimal?share=b109f1dd&srid=Y7rw
Читать полностью…
Best IAS TELEGRAM CHANNEL
/channel/IASRV13
POSITIVE INDIA
/channel/lifeiseasy13
Link of positive India group. If you have any positive news, links , story ,video, article and other things.
You can share it
https://t.me/joinchat/AAAAAEC9aUPog6ukEO0N_w
Kindly post this message in the known groups so that it gets circulated, thanks.
If you have come across any bright students coming from poor financial background who have finished their 10th standard this year and scored more than 80%, please ask them to contact the
NGO - Prerana (Supported by Infosys foundation).
The NGO is conducting a written test and those who clear the test will be eligible for financial help for their further studies.
📞 Please ask the students to contact the people mentioned below to get
the form:
Contact numbers☎️
1. Ms. Saraswati - 9900906338
2. Mr. Shivkumar - 99866 30301
3. Ms. Bindu - 99645 34667
Even if you don't know
anyone, please pass on this info, someone might be in need of this. www.infosys.com/infosys-foundation.
🔘 Plz forward it may help someone.
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