Simplify your financial Life

Are you stuck and not able to manage your financial life?
Are you earning well but still not able to save or even make good investments?
Are you sick of managing your financials and often pay late fees on cards, phone bills etc.?
Are you someone who wants to simplify and achieve goals to live financially happy?

If any one of the above statements stands true for you…don’t worry at all. All you need is to ensure that you organize your financial life.

Now, the question is HOW?
One must understand that building long term wealth and financial well being is all about being organized and following some rules in life.
If you follow certain set of rules, you will be set to achieve all your goals and be financially well off as well.

Remember you can land yourself into a financial mess even if you earn really well, thus bear in mind that to create wealth its not important how much you earn but how organized you are. And to ensure that you create wealth with whatever you earn here are few steps to follow with your everyday financial instruments.

1. Bank Accounts
• Do not hold more than two accounts.
• Close your salary accounts when you leave the company or get them changed into your new company.
•2. Loans Request your employer to directly credit your salary into your account.
• Ensure your bank’s ATMs are closer to you or give you free access to other ATMs.
• Try to get an auto sweep fixed deposits whenever your account balance is more, as there is nothing better as it will give you more interest.


• All your loans EMI should be less than 40% of your net take home.
• Emi dates should be after your salary credit dates.
• Please try not taking more than 2 personal loans.
• On your Home loans -opt for fixed if you get rates less than 9.25% fixed for entire tenure or opt for floating with low prepayment charges.
• Top on loans is good option rather than going for new banks.

3. Credit Cards
• Do not have more than 3 Credit cards.
• Choose credit cards with offers, discounts in your type of spending i.e., fuel cards for those spend more on fuel or cash rewards for shopping freaks.
• Always try to pay entire due on credit cards and never go revolving as interest rate is as high as 50%.
• If not able to pay entire amount, go for EMIs on card payments.

4. Life Insurance
• Buy not more than 2-3 life insurance policies.
• Understand your need for life Insurance, i.e. Tax saving, Retirement benefits, basic cover etc.
• Understand how much life insurance you need and ensure that you don’t end up buying excessive insurance.
- Those who are above 35 and are earning members should have one term
plan atleast for there family and these plans are as low as 600 per month for
30 lakhs. To Apply for term plan Click Here
- Do not treat life insurance as investment plans.

5. Health Insurance
• Do opt for family insurance cover at least. They come as low as Rs 20 per day for entire family for 3 lakh. To Apply and Compare available Offers Click Here
• Do not change companies as this will affect your existing waive-offs for pre existing disease.
• Ensure your hospital next door is providing cashless health insurance from your company.
If you put your financials in order from the start you can avoid complexities of financial crisis. In case you have not provided right from the start remember it is never too late to put it in order. Just follow and make use of the everyday financial tools provided by www.deal4loans.com and www.bimadeals.com and live financially secured forever.

Basic rules of Financial Life.
1. Ensure you plan your financial goals – For e.g. when will you buy your home, how much you need to save for your children so on and so forth.

2. Ensure you save atleast 25% of your income and invest them in all categories. Keep your portfolio balanced; by investing 30% in Mutual funds, 25% in equities, 25% in fixed deposits and 25% in real estate.
Get your financial planning done by a good certified planner and stick to rules and goals defined by them.

3. Finally remember - Do not spend too much on Credit cards if you are not in position to pay.

Disclaimer: The above information is collected from various sources. Readers are requested to investigate themselves & take legal & professional advice before entering any tie-ups

Set JAVA_HOME / PATH

for single user

Login to your account and open .bash_profile file
$ vi ~/.bash_profile

Set JAVA_HOME as follows using syntax export JAVA_HOME=. If your path is set to /usr/java/jdk1.5.0_07/bin/java, set it as follows:
export JAVA_HOME=/usr/java/jdk1.5.0_07/bin/java

Set PATH as follows:
export PATH=$PATH:/usr/java/jdk1.5.0_07/bin

Save and close the file. Just logout and login back to see new changes:
$ echo $JAVA_HOME
$ echo $PATH

Tip: Use the following command to find out exact path to which java executable under UNIX / Linux:
$ which java

Please note that the file ~/.bashrc is similar, with the exception that ~/.bash_profile runs only for Bash login shells and .bashrc runs for every new Bash shell.

Set JAVA_HOME / PATH for all user

You need to setup global config in /etc/profile OR /etc/bash.bashrc file for all users:
# vi /etc/profile

Next setup PATH / JAVA_PATH variables as follows:
export PATH=$PATH:/usr/java/jdk1.5.0_07/bin
export PATH=$PATH:/usr/java/jdk1.5.0_07/bin

Install Spring IDE for Eclipse 3.4

Installing Spring IDE on Eclipse 3.4 (RC1) was not quite as straight forward as I thought it would have been, so here are a few more details on how to do it.

1. Help->Software Update
2. Click Available Software tab
3. Click Add Site
4. Enter http://springide.org/updatesite
5. Click checkbox next to http://springide.org/updatesite to expand.
6. Click checkbox to uncheck, then click again to check parent and children [Eclipse bug 232112].
7. Click Install
8. Software validity warning message will come up - click Yes
9. Resolving dependencies will moan with:
   

   (Spring IDE Bean Support (required),Spring IDE Dependencies (only for Eclipse 3.2.x),Spring IDE OSGi Extension (optional),Spring IDE Web Flow Extension (optional),Spring IDE Security Extension (optional),Spring IDE AOP Extension (optional),Spring IDE JavaConfig Extension (optional),Spring IDE Autowire Extension (optional),Spring IDE Mylyn Integration,Spring IDE AJDT Integration (optional),Spring IDE Security Extension Developer Resources,Spring IDE Autowire Extension Developer Resources,Spring IDE AOP Developer Resources,Spring IDE OSGi Extension Developer Resources,Spring IDE Webflow Developer Resources,Spring IDE Mylyn Integration Sources,Spring IDE JavaConfig Developer Resources,Spring IDE Sources,Spring IDE AOP Developer Resources) will be ignored.

10. Uncheck Spring IDE Dependencies (only for Eclipse 3.2.x)
11. Screen will re-calculate successfully and the Finish button will appear, click it

The Power of Mind

Do you know that you have within you the power of life and death? You can will yourself for success or you can will yourself to die! That is the power of subconscious mind!

THE MAN WHO WILLED HIMSELF TO DIE

There was a man who worked for the railroad. One day as he went into the freezer compartment to do his routine work, the door accidentally closed and he found himself trapped in the compartment. He shouted for help but no one heard him since it was past midnight. He tried to break down the door but he could not. As he lay in the freezer compartment, he began to feel colder, and colder. Then he began to feel weaker, and weaker, and he wrote on the wall of the compartment, “I am feeling colder, and colder; and I am getting weaker, and weaker. I am dying, and this may be my last words”. In the morning when the other workers opened up the compartment they found him dead. The sad twist to the
above story is that the freezing apparatus in the compartment had broke down a few days earlier. The poor worker did not know about the damaged freezing
apparatus and in his mind the freezing apparatus was working perfectly. He felt cold, got weaker and literally willed himself to die.


SUCCESS PRINCIPLES

Our sub-conscious mind can be cheated. The sub-conscious mind can only accept and act on information passed to it by the conscious mind. It has no capacity to reject or decline any instructions or information passed to it by the conscious mind. In the case of the poor worker, he consciously thought that he was getting colder, weaker and dying and the sub-conscious mind accepted the above instructions and affected his physical body. That was how he willed himself to die.

MOTIVATIONAL QUOTE

"Slow down and enjoy life. It's not only the scenery you miss by going too fast, you also miss the sense of where you are going and why."

The Story of Latiff....!!!

Latiff was the poorest beggar of the village. Every night he slept in the hall of a different house, in front of the town square.

Every day he had a short rest under a different tree, with a widespread hand and a far away look in his thoughts. Every evening he would eat the alms or the crusts that some charitable person brought over to him.

Without embargo, in spite of his aspect and the way his days happened, Latiff was considered by all to be the wisest man of town, perhaps not so much because of his intelligence, but by what he had lived.

One sunny morning the king appeared in the square, surrounded by his guards, walking between the fruits and trinkets looking for nothing.

Laughing at the merchants and at the buyers, the king and his entourage almost stumbled over Latiff, who was dozing in the shade of a holm oak. Someone told the king that he was in front of the poorest of his subdits, but also in front of one of the most respected men because of his knowledge.

The king, entertained, approached the beggar and said to him, "If you answer my question, I will give you this golden coin."

Latiff looked at it, almost contemptuously, and said to him, "You can keep your coin, what will I do with it anyway? What is your question?"

The king felt defied by the response and instead of a banal question, he asked a question that was bothering him for days and that he could not solve; a problem of goods and resources that analysts had not solved for him.

Latiff's response was wise and creative. The king was surprised; he left the coin at the feet of the beggar and continued on his way to the market, pondering the events.

The next day he came back directly to where Latiff was resting; this time under an olive grove. Again the king posed a question and again Latiff answered it rapidly and wisely. The king was surprised again at so much intelligence. In a humble act, he took off his sandals and sat in front of Latiff.

"Latiff, I need you", the king said to him. "I am overwhelmed by the decisions that as king I must make. I do not want to harm my people and neither do I want to be an evil king. I ask you to come to the palace to be my adviser. I promise you that you should not fear at all, that you will be respected and that you will be able to leave whenever you want... Please."

Whether it was out of compassion, for service or for surprise, Latiff, after thinking a few minutes, accepted the proposal of the king.

That same evening Latiff came into the palace, where immediately a luxurious room was assigned to him. The room was close to the king's room and had a tub filled with essences and lukewarm water waiting for him.

During the following weeks the consultations with the king became habitual. Every day, in the morning, and in the evening, the monarch ordered his new adviser to consult him on the problems of the kingdom, on his own life or on his spiritual doubts.

Latiff always answered with clarity and precision and became the favourite speaker of the king. Three months after his arrival, there wasn't any decision made by the monarch without consulting his valued adviser first.

Obviously this unleashed the jealousy of all the other advisers. They saw in the beggar a threat against their own influences.

One day all of the advisers asked for a private hearing with the king. Very circumspect and with gravity they said to him, "Your friend Latif, as you call him, is conspiring to demolish you."

The king said, "I cannot believe it."

"You can confirm it with your own eyes", they said. "Every evening, at about five o'clock, Latiff slinks away from the palace up to the south wing and he enters a dark room. He meets with someone undercover, we do not know with whom. We have asked him where he was going all these evenings. He gave us evasive answers. His attitude alerted us to his conspiracy."

The king felt defrauded and hurt. He had to confirm these versions.

That evening, at five o'clock, he was waiting for Latiff under the stairs. He saw Latiff come to the door and look all around, with the key hanging from his neck. He opened the wooden door and slinked secretly into the room.

"Did you see him?" The other advisers shouted. "You saw him?"

Followed by his personal guard, the monarch struck the door.

"Who is it?" Latiff asked from the inside.

"I am the King" he said, "Open the door to me."

Latiff opened the door. There was nobody inside, except Latiff. No other doors or windows, no secret doors or any furniture where someone could hide.

Inside the room, there was only a worn out wooden plate; in a corner, a walking stick and in the center of the room a shabby tunic hanging by a hook in the roof.

"Are you conspiring against me Latiff?" the King asked.

"How could I, your Majesty?" Latiff answered. "No way. Why would I do that? Only six months ago, when I first came here, the only thing that I had was this tunic, this plate and this walking stick. Now I feel so comfortable in the clothes that I wear, I feel so comfortable with the bed that I sleep in, I am so flattered by the respect that you give me and so fascinated by the power you allow me... to be close you ... that I come here every day to touch this old tunic to make sure that I do Remember...


WHO I AM AND WHERE I CAME FROM.

True:

We must never forget who we are and where we come from; life turns and we can always return to the same place