My Little Log Book

The Insurance Industry promises many things. All those delightful, costly, lengthy insurance commercials promise you the best of education, terrific pensions that takes care of the world tour, lovely sea-front mansions, huge cars, etc etc. And they all make you believe just taking an insurance would get you those! You know where the money for all these ads come from? Of course your auto insurance quote, your life insurance quote and all the terrific insurance quotes you get and the many policies you have taken! Know what, you may not really need more insurance (i mean risk coverage by that, not investments, though insurance companies tend to mix both and absolutely misconfuddle you!). But would your agent take that. No. You will be convinced and then convinced some more that you absolutely need that policy. So how do you get rid of these pesky perseverent species? Here are some surefire ways to keep them away. - Tell them you are at the hospital, and could they please come over with th...

You dont need to have a lot of money to start investing. Thats a pretty erronous belief. The answer I often come across on investment queries is "I dont have money" to invest. This answer often is the start of your investment needs. You dont have money - so you need to make whatever you have work. Take for example you save Rs 100 every month. That makes it 1200 every year. Lets say, you are putting it in an instrument/bank/deposit that gives 5% annually. At the end of 5 years you are getting something like Rs 6830. Suppose there was an instrument that gave you 15%? You know the amount you will make? Rs 8970! A cool disposable income of Rs 2000!!! The next question is - who will give that kind of money/return. Mutual Funds, well researched stocks have given that kind of return and more. Do you know that markets in Brazil, India, China have given returns in excess of 40% (conservative) in the last year. And its not a single year episode. These kind of returns have been seen for...

Why does one Write? Is it just to Make Money? Can everyone write a Book? Creative writing is a uniquely selfish process. The writer gives her heart and soul into those few written words and the involved author doesnt really look at the sentiments of the audience! Writing is a cathartic process. Very few genuine writers do it for money, at least to begin with. An authentic work of art can never be produced if economic gains were the only motivation. So we have wannabe writers churning out reams of words...How many of them are ultimately successful? But everyone lives for a masterpiece, that one product where the world will realise the true value of the writer. Where will anyone who wants to write, start from? There is, I believe, a writer in every one of us (maybe not an editor, though!), for doesn't each of us see the world uniquely? To start writing one just needs to follow these basic principles W - Write whatever one feels...just jot it down. R - Read everything...anything inter...