04/01/2009
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Income Tax

Income Tax Plans for the year

I have decided to meticulously work out a plan for the financial year 2009-2010. As far as I know, every single individual wants to save up every penny that he pays as income tax. I was wondering whether it is possible and I think it is. Since I have learnt this hard way, I want to share it with you so that you don’t find it hard. Everything that is learnt by me will be shared and this is just for your information only. I am not a financial expert and you better get your advices from the right kind of people. Continue reading →

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01/01/2009
1 Comment
Random Thoughts

Happy New Year

Hi Readers,

Wish you all a very happy and prosperous New Year.

Here is a little message that I wish to share with you..

What can be said in New Year rhymes,
That’s not been said a thousand times?
The new years come, the old years go,
We know we dream, we dream we know.
We rise up laughing with the light,
We lie down weeping with the night.
We hug the world until it stings,
We curse it then and sigh for wings.
We live, we love, we woo, we wed,
We wreathe our prides, we sheet our dead.
We laugh, we weep, we hope, we fear,
And that’s the burden of a year.

Happy New Year and let the peace prevail… Wish this new year ensures you have a great financial year ahead..

Regards,

Saravanan

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22/12/2008
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Review

Is it good to buy house in slump?

How many of you have considered buying a house during slump? Not many. I would love to hit the deal but there is liquidity crunch and loans are not easily available. The rates of houses/apartments have not come down drastically as the media claims. It is just that at some places that the correction is happening and honestly I don’t see much of a difference from a common man’s view.

Before six months the rate of a 3-bedroom apartment near my home was close to Rs. 35 Lakh (excluding registration) and now it has come down to Rs. 30 Lakh. Still I think it is not a fair deal. Since there is heavy crunch in the market the builders are facing the music and they are not able to sustain themselves and if they don’t hold on to the prices then there are chances that they might be in trouble. Continue reading →

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21/12/2008
2 Comments
Random Thoughts

Blog not updated?

Hello All,

These days as have you noticed I haven’t updated blog regularly. That is due to some course that I joined and also due to laziness. I am done with the course and I have gained some knowledge, I hope to use in future.

Work and Blog takes time in life. I never thought blogging can be this addictive.

For those of you who have stayed patient with me, Thanks. I require all the support that you can offer me.

@Anonymous: I remember that I need to write about my views on what I think about good/bad politician. I will surely do it.

@All Readers: I appreciate your efforts for sharing the thoughts with me and also encouraging me to write articles. I shall update the blog regularly from now on. Thanks for your support. Keep Visiting and Share about this blog with your other family members and friends if you think it is worth it.

Regards,

Saravanan

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10/12/2008
2 Comments
Personal Finance

When to start saving and investing?

I have this question in my mind for some time now. I don’t know when is the right time to start saving and investing. I am sure many of us would have gone through such a phase at least once during the life time and many go through it daily like me. I always decide that I should invest and save up but land up in spending.

This is a very common behavior in young guys like me without any commitments. It is hard to save up or invest without any commitment or obligation. Generally I have noticed that guys give money to mom or dad to manage it for them and they are happy earning and asking parents for money when they require it. I am not against it but it is not a good sign moving forward. Continue reading →

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