How to Use Free Finance Calculators to Save Money

Free financial calculators are one of the best tools for managing personal finances and saving money. These calculators enable you to stay on the right track with your finances. All you have to do is enter the details of your financial position in the free financial calculator. It will provide you an output consisting useful information on how to use your money in the most appropriate manner. Continue reading “How to Use Free Finance Calculators to Save Money”

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Am I SICK?

Is the title giving a blow!! You must be thinking what is this!! “Am I SICK?” No, I am fit and fine. Who says I am sick !! Whoever is telling, he is sick!! And why I will be!! –No Not All.— I know this is what is going on in your mind – am I right!!

 

Let’s give some time for ourselves. Let’s realize ourselves. Let’s give a blow in our inner mind- let’s give a shock in our everyday behavior. I am telling you- you will find yourself in ICU. Shocked !! I know you are. But this is a bitter truth.

Trust me- find out some time for analysis. See who you are, what you are doing, how you are doing and for whom you are doing. Are you actually working!! Working hardly or smartly!! Or just running after money. Dream is big money- big house- costly car; A luxury life. If you are already enjoying- still you want more!! Right!! And if you are a struggler or gradually making your career- still dream remains the same. Going through the same rat-race. Right! Have you ever though to find five minutes for the needy person standing beside you! Have you ever extended your hand when you saw a blind person struggling to find his way on the road where you just passed him giving a veered look? Have you ever gone to help the person who just met with an accident!! Probably No. And if at all your friend suggested going, you said No No!! This can be a police case!! So let us be safe and keep ourselves away. I know you are remembering when you did that. Probably you thought to go but your friend suggested the same. Right!! Have you ever thought to just get up from the seat and let the old person sit there –who is just standing beside you!! You are just happy that somehow you managed a seat. Good if you have done. But probably you will find the answer ‘No’ if you ask yourself.

You must be thinking – how does these make a difference in your life. Your life is cool- and it will be as cool as it is. Right!! You are absolutely right. And if you are thinking in this way- you can’t be blamed for this. Because the value system you are in or the value system you are inculcating into your  next generation – this is quite natural. You don’t have time. But think once. Instead of the person met with an accident; you have met with the same accident! And people are reacting in the same manner and you are just   lying-down  helplessly on the road. How will you feel!! Good !! !! No ; right!! You will expect help from the persons probably whom you did not help when they required oneday!! Right!! If everybody will think the way you think- then imagine what will be your situation on the road after your accident. But do you think that you were not capable of helping the person. Were you sick that day!! You were too sick to talk with the person or hold the hand of that blind person!! No !! But Yes – I will say- you were SICK. Mentally you were SICK. Otherwise a healthy and Ok mind would have instructed you the right thing. Your mind would not have stopped you from helping. Or your mind would not have stay untouched in spite of seeing the blood-stained person lying on the road. It clearly shows that we are fine, but our mind is not. It’s not well. It’s SICK.

 

Find some time to think. Think – are you doing right!! Think are you inculcating the right value into your kids!! Because if you are giving such value to your child – definitely when you will require help, the person who will be standing beside you probably with the same value like your kid- will not help- because they never realized this thought.

It’s never a late. Beginning of anything is good. Let’s think and start realizing. Let’s start making a difference. Let us take our society towards a better one- a cultured- value added healthy and humane society.

Brief Profile of Author : Amitava Pal is a Software Engineer and XLRI Alumni. His special areas of interests are Human Psychology and Soft Skills. He has been writing papers since 2005 and the papers have already been published in India and Abroad like University of California, Bonn University Germany and so on. He is currently writing a book on “Typical Human Psyche on Differential Behaviour”.

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More plight to common man

Being a tax professional going through the budget changes is what we have to do as a part of our job. When the government presents a budget, the Finance Minister tries to convince that they keep the best interest of the common people in mind while imposing tax on the general public. This year through budget 2011, the Finance Minister of India has levied service tax on A/c hospitals having 25 or more beds.
The Federation of Indian Chambers of Commerce and Industry along with several prominent health care institutes throughout India has raised a voiced against this measure. In India it is impossible for a blood bank or operation theatre to function without proper air-conditioning. Further, the life of several patents would be at stake if they get admitted in a hospital without an A/C. The Government has proposed that they are levying such tax only on people who can afford it. But most importantly, i think the Hon’ble Finance Minister, however educated he might be has forgotten that nobody goes to hospital to relax. Most people who are admitted in hospitals are facing a life and death situation. Further, there are so many unprivileged people who put everything at stake, sale or mortgage their fixed assets to save their beloved ones.
The entire liability of service tax would be passed on by the clinics to their patients. What appears to the Government to be a mere tax collection , can make a lot of people beg on streets just to add a few more days to the life of their dearest one.
According to FICCI, India today is in dire need to expand its healthcare infrastructure which is extremely inadequate. The quantity of bed allocated is 0.9 for every 1,000 people in our country when compared to the global average of 2.7, or 3.0 in China and 2.4 in Brazil.
I really pray that the Government bows in front of the combined pressure from all areas and removed this clause from the Finance Bill. If they cant control inflation, they better not make sure to add more plight to the poor and ailing who are already being neglected by our so called “Prospering Country”.
Signing off for today
@Priyanka

PS: The tax structure of the Union Budget 2011

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Negative Elasticity of Money

Most people are aware of Price Elasticity of Demand, even if they don’t know the term. The logic is simple, if you raise the price of your product I won’t buy your product. This is however not the case with some special kinds of products. I will classify these products whose consumption increase in case of price hike into three categories. Continue reading “Negative Elasticity of Money”

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