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Climate Conference in Copenhagen 6 to 18 December 2009 |
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Karzai sworn in for second term afghan president |
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GCC population seen growing to 53 million by 2020 |
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7.7 quakes shake north Chile |
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Sri Lanka military chief 'quits' |
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GSK Donates 50 Million H1N1 Doses to WHO |
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Germany marks anniversary of anti-Semitic program |
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Earthquake rocks southern Iran |
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ASEAN Summit 2009 |
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Global population to reach seven billion by 2011 |
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Obama Wins Nobel peace prize 2009 |
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Kabul's Indian Embassy attacked |
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Al-Qaida calls for holy war against China |
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China celebrates its 60th anniversary |
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Afghan Presidential election |
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US largest supplier of arms in 2008 |
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Powerful earthquake kills 57 in Indonesia |
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Angry student throws acid on professor in Vietnam |
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Miss Venezuala win Miss Universe 2009 title |
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Michael Jackson is Dead |
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Air France 447 jet Crash |
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Racial attack in Australia |
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LTTE chief Prabhakaran's body found |
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Escaped Bali Terror Suspect Is Caught in Malaysia |
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Obama gets a 'B+ grade' for his presidency |
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Over 150 people died due to Swine flu in Mexico |
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6 killed in murder-suicide bid in US |
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Titanic museum to open in UK |
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LTTE loses Mullaithivu |
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Bush gets attacked by shoes in Iraq |
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Israel attacks Gaza |
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Sheikh Hasina chosen for Indira Gandhi Peace Prize |
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India retains 84th position among the world’s most corrupt nations |
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India second worst terror-hit country, says NGO |
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K.R. Narayanan Award for the Hindu Chief Editor N. Ram |
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Madhu Koda discharged, summoned by ED |
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India, Sweden to sign MOU on environment |
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Brave Rukhsana appointed as special cop |
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Radhakrishnan takes over as new ISRO chief |
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Dorjee Khandu became new chief minister of Arunachal Pradesh |
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A.R.Rahman wins Ghent Award |
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Test fires nuclear-capable Prithvi-II missile |
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India can hold 2010 Games: CWG Officials |
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US announce $100,000 aid for India's flood victims |
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Dolphin is national aquatic animal |
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Major Floods in Andhra and Karnataka |
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Air India Strike |
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Chandrayaan-1 Not A Failure, Finds Water on Moon |
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Six European satellites launched by India |
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Earthquake in North Eastern Region of India |
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Problems in BJP party |
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Andhra CM YSR died in a chopper crash |
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Mumbai TV actress arrested for abusing minor |
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Indian Navy jet crashes, pilot feared dead |
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Bhindra honored with Rajiv Gandhi Award |
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Businessman buys Gandhi's home, plans for museum |
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Rajmata Gayatri Devi laid to rest |
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Class X girl selected for NASA training |
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PM launches India's first nuclear submarine |
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Bill Gates to receive Indira Gandhi Peace Prize |
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India's first sea bridge |
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Union minister threatens HC judge to grant bail |
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Government to make class X examination optional |
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Air Force AN-32 aircraft Crash |
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Family donates their dead son's organs to 7 people |
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Dream Houses / Mumbai Flats on rent for Rs. 800/- |
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Oz Racial attack: AP student battling for life |
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Congress' victory, credit to Sonia's inner voice |
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UPSC results: Women on top, 791 succeeded |
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River Ganga still reels under Pollution |
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Girl dies due to asthma in Delhi School |
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Satyam bidding Completed: Tech Mahindra wins bidding |
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Parents protest fee hike in schools |
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Tata Nano The People's Car Launched |
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Modi minister held in post-Godhra riot case |
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Varun guilty; EC asks BJP not to field Varun |
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Satyam fraud |
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Mangalore Pub Attack |
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Railway Budget 2009 |
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Demonstrations against Valentine's day |
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Maradona fined and banned for foul-mouthed tirade |
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Novak Djokovic wins Paris Masters |
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Bhupati and Paes exit Paris Masters in 2nd round |
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Golden whistle for Indian Hockey umpire |
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American swimmer Peter Marshall beats own 50 backstroke world record at short-course meet |
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Australia win series against India |
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Murray beats Youzhny to win Valencia Open tennis |
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Pankaj Advani wins bronze in Asian Indoor Games |
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Indoor Asian Games: India win 2 gold on final day, end at 7th place |
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Schiavone wins women's Kremlin Cup final |
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Davydenko beats Nadal to win Shanghai Masters |
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Australia wins Champions Trophy 2009 |
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India wins Compaq Cup 2009 |
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Clisters Wins over Serena Williams in U.S Open |
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England Win the Ashes Series 2009 |
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Sania Mirza clinches Lexington Challenger title |
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Roger Federer and wife are proud parents of twins |
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Sania & Sohrab exchange rings amid tight security |
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Federer Wins a record 15th Grand Slam Title |
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Sushil Kumar wins gold medal in wrestling |
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Pakistan wins Twenty20 World Cup |
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India knocked out of World T20 |
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Federer won French Open |
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Anand wins Chess Oscar for sixth time |
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Brasa appointed Indian men's hockey coach |
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BCCI nominates Gambhir, Jhulan for Arjuna award |
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Book on Tendulkar released |
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IPL 2 to be held in South Africa |
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India thrash New Zealand to seal ODI series |
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India win Hamilton Test, a win in NZ after 33 years |
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NASA signs agreement with ISRO for use of Indian satellite oceansat-2 |
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Scientists Create Bacteria that Light Up Around Landmines |
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"Significant" Moon Water Released by NASA Crashes |
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New ocean forming in African desert |
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Snow on Mt. Kilimanjaro to melt in twenty years |
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Scientists report discovery of 32 new exoplanets |
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Nobel Prize in Chemistry to India-born scientist |
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NASA telescope discovers giant ring around Saturn |
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13-year-old Indian to address UN climate change summit |
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Largest ever telescope launched from French Guiana |
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First face transplant patient in US shows face |
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UK scientists to develop Swine Flu vaccine |
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PET bottles potential health hazard |
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ISRO launches RISAT-2 |
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Discovery Crew Returns Home From ISS |
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Internet Crime Up 33 Percent, FBI Reports |
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Adobe, Facebook partner to create Flash developer tools |
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Microsoft to discontinue Encarta |
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World's First Internet Car Radio Unveiled |
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Motorola Unveils Cellphone Made From Recycled Water Bottles |
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UK Doctors Deliver Cancer-Proof Baby |
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Sony To Launch World's Lightest 8-Inch Notebook PC |
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Indian Scientists Conduct Anti-Warming Experiment In Antarctic Ocean |
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Indian Scientists To Clone Pashmina Goat |
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NASA's Kepler Mission To Begin Quest To Find Planets Hosting Life |
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ISRO To Use Home-Grown Cryogenic Engine For GSLV Launch |
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Obama to restore stem cell research funding |
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India To Send Sun Mission Aditya In 2012 |
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Indian-American Scientist Vivek Pai Creates Top Web Technology |
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| As we settle into the NEW YEAR, just have a look at the simple, sustainable methods that will bring you a year of GOOD HEALTH & HAPPINESS. |
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Aim to be positive, it’s not just a Blood Group. |
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Accept your flaws with grace and stop the blame game. |
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Accept & Respect yourself. Have a value for your own self. |
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Make small Healthy Changes that are sustainable. The promises we make to ourselves should come from INNER WISDOM and not from our egos. |
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Make eating a joyful activity and enjoy the food you eat, i.e. treating a food as a way to nourish your mind & soul. |
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Learn New Skills or Sharpen Existing Skills- Both at the personal as well as professional level. |
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Look for Constructive Solutions rather than Negative Analysis. |
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Aim for some Silence every day. Non-Stop Chatter makes your intuitive capacity come down. |
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Respect Time: Is id very difficult to compensate for lost time. Time is a CURRENCY we waste easily. |
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Articulate your goals |
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Make sure you have clear and concise financial goals put down. This would help you to shape out how your investments for the year ahead should be. Unless you know what you want and where you want to be, you will not be able to direct your investments into something useful. It is best to list small, attainable goals rather than go for a lifestyle change overnight. By giving yourself simple tasks that you can even complete in five minutes, once a day, you will make headway over the course of time. |
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Decide your asset allocation |
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A lot of people make investments in an ad hoc manner especially to save taxes in the last months of financial year. It results in portfolio which is heavily skewed towards debt and low-return instruments – FDs, PPF, endowment policies, NSCs, debt options in ULIPs. All these have fixed or low-returns, thereby making them unsuitable options if you are investing with a horizon of 15 -20 years or more.
Young people should do an asset allocation based on their age, risk profile and time horizon and then start making investments. For a longer horizon the exposure to equity should be higher especially if you are in 20s. |
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Protect your family |
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This is an area that is omitted from most peoples’ lists, but it should be a top priority – protect your loved ones. What happens in the event of a death or disability? Will the family be comfortable financially? Will the children be able to go college? Most people’s greatest financial asset isn’t their home or investment accounts; it is the ability to earn money. It is necessary to protect against this asset being prematurely taken away. |
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Create a budget |
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Determine your income and expenses for each month by reviewing your bank statements, credit card bills and receipts for the last year. Record actual results regularly and update your plan quarterly. This will reveal where your money is being spent and provide information you need to manage it correctly. This will also help you to provide for big expenses which arise during some months like a festival or a short holiday. |
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Put your savings to work |
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Saving early for long-term expenses such as retirement or your kids’ college expenses allows you to capitalize on the most important investing force: Time. Start a systematic investment plan and make sure that your savings are routed in to long term investments. This way, you are forced to save because the cash is drawn directly from your bank before you can get your hands on it. |
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Be prepared for emergencies |
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Emergencies arise. Cars break down, ankles are sprained, and jobs are lost. It would be ideal to set aside three to six months of living expenses as a regular reserve. This fund will cover those inevitable, unexpected costs and keep you from borrowing money when they occur. Make sure you and your family has adequate health insurance so that you are not bogged down by a financial crunch during a sudden medical emergency. |
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Do not try to time the market |
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In the long run slow and steady wins the race. Try to be a regular and disciplined investor. Even the best of investors and stock market veterans have repeatedly failed to predict what’s going to happen next. The recent crash and then sudden surge in the market is an example to prove this. As retail investors this task becomes even more difficult. SIP and rupee cost averaging are great techniques to invest regularly and have a great return over longer horizon. |
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Contribute to your retirement plan |
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Look at your salary slip and see how much money you are contributing to the EPF (Employee Provident Fund). Make sure you realize it and keep it going. Over 15-20 years the power of compounding will do its magic and it will grow into a decent corpus. PPF is another good option for investing extra money for retirement purpose. It offers tax benefits as well. |
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Keep good records |
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Lack of documents and records can hamper your tax filing process and you may not be able to claim all benefits. Maintain records of all important transactions in a systematic manner. You can use the age old system of maintaining documents in files or use the new age budgeting and other online software. Good record keeping also help you in collating and analyzing how you spend and invest. |
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Pay your credit card dues |
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Pay all credit card balances in full each month. Leaving a balance on a credit card account will leave you susceptible to very high interest rates. Having balance on credit cards is the beginning of debt trap. Control your urges to spend and try to spend using debit card or cash so that credit card debt is avoided. |
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Find a good financial advisor |
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One fails to realize that the wrong financial advice, and thus the wrong financial advisor, could be costing you lots of money every year. Do you know how your advisor is compensated? How does that compare to other advisors? Do they have the expertise you need? Even if you prefer to do things yourself, the occasional check up from an advisor may provide you with some valuable tips. |
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Money isn’t everything |
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Remember health, family and happiness are as important so do not neglect these aspects. Another very important thing to realize is your investments in skill accumulation. If you keep enhancing skills related to work, you can probably get a better job, faster promotion and chance to earn more money.
Take a deep breath and think about how you can move up the ladder. It may mean doing new certifications, improving soft skills and learning to manage human relationships better. This will probably be your biggest investment in the New Year. |
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| Rejuvenation and renewal is necessary for good health |
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With the stress of daily life, rejuvenation and renewal is necessary for us to continue on with day-to-day tasks in a healthy way. A little break helps to renew our mind, body, soul and spirit. There are many ways in which one can accomplish daily renewal and rejuvenation. |
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| Instructions |
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Step 1: Take a few moments to meditate. Meditation does not have to be defined by any set of steps or criteria. There are methods that are used for all types of release and renewal, but even if you just take a few moments each day to remove yourself from your situations and clear your mind, this can be a big help. |
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Step 2: Find something you enjoy doing and do it. Even if you are pressed for time, you will find that taking a few moments to enjoy yourself with reading, gardening, 4-wheeling, fishing, or simply enjoying a warm cup of tea, will help strengthen your spirit. |
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Step 3:Surround yourself with uplifting people. It's not always possible to avoid grumpy friends or relatives. If you have these types of people in your life, it is especially necessary for you to find people who uplift and encourage your spirit. Laughing, fun, relaxation and common interests will do wonders for your personal renewal. Make time to visit, lunch, or get together with happy people. If you are short of friends near you, make a phone call or join a social group online. Whatever it takes to find people to nurture your spirit and soul, take advantage. |
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Step 4: Realize that unless you take some time to care for yourself, you will be in no good position to do what you do. If your job or personal life requires attention, focus, compassion, or listening, it is vital for you to renew your mind, body, soul and spirit to be at your best when faced with yet another day. With a little bit of rejuvenation, you'll find accomplishments come more quickly and easily. |
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