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Taking inflation in your stride

Image courtesy Hindu


Having done various back-of-the-envelope calculations, you must have arrived at a savings target for your child. After adding in a buffer, you must be satisfied about the figure you have calculated and have perhaps started saving to reach your target.

But hold on! Are your calculations on the spot? Have you calculated the invisible ever looming cost for all investors – Inflation?


Inflation hits just about anything one need to live on — rice, vegetables, clothing, fuel, medicine and doctors’ fees and most especially the cost of education.


A simple example to understand inflation is that when a small child takes 3 steps forward and two backward, he has crossed the distance of just one step.

Similarly if your savings are earning you 12% p.a. but the inflation is raging at 10% p.a then your net savings are growing at only 2% p.a.


To look at this by zooming into the future, if your genius 8-year-old child’s medical education costs Rs 5 lacs now, by the time he is eighteen it will cost Rs. 10,79,462/- at a moderate 8% p.a. inflation rate. That is more than double of the current cost of education.

The inflation will lessen the current value of your money hence to beat inflation:

  • While choosing  an investment make sure that the return is more than the inflation rate.
  • When planning long-term savings, remember that the cost of living will go up by the time you reach the goal.  So set the goals for the child’s saving plan accordingly.
  • To help make sure inflation does not eat into your savings, you could increase any amounts you regularly put away by a percentage that at least matches the inflation rate. When they’re added to the total sum, compound interest will further contribute its earning magic.


 Article written for Fidelity Investments




Back to School

Ajit Menon, an IIM-B graduate is working with an MNC. He is at the post of a regional sales head and the climb has been fast and hard.  But after being at this level for the last 2 years he feels that his career is stagnant.  Though he likes his job, he is ambitious for bigger things and wants a competitive advantage over his peers. Like Ajit, do you feel that your career graph is plateauing and you the next step up may be long way away?

The best way to give your career a booster shot is to go back to school. For the working professional, returning to academics is a great way of honing up skills and networking.

There are great choices in India but a foreign degree added to your resume will (literally) open up the world to you.

You can choose to study further in the field of your specialization or maybe explore new areas which have high growth potential.

The question at the top of the mind is how best to work out finances. If you are past your thirties you are likely to have some responsibilities like a home loan. You would also like to make sure that your family should not be deprived of any luxuries even for the period of your education.

A study loan often works out to be the most feasible way of financing your education. Some careful planning and voila! you will be ready to fly off to explore new paths.

Why take a loan?

Even if you have adequate savings, it may be wise to go in for a study loan to finance your continuing education. You saving and investments can continue their job of acting as a cushion for your family.

An education loan is widely available at banks at attractive rates. Banks infact prefer giving loans to individuals with work experience who would be able to pay off the loans quickly because of their higher start salaries.

What is the procedure to take a loan?

Most banks will provide you with an education loan for studying abroad. The amount prescribed by RBI is Rs.20 lacs for studying abroad. The rate of interest will vary from 11% to 16%.

The repayment period will typically start within 6 months of completing the education and the loan will have to be repaid within 10 years after finishing your education.

You will also be required to put in margin money of 15% of the loan amount…i.e. the bank will finance 85% of the loan.

Education Loan Comparison

There are several banks vying to give you a loan. At a glance the loan schemes seem to be similar since they are governed by RBI regulations. However the difference lies in the terms and conditions and the ease of documentation and disbursal. For instance the banks with the lowest rates may not provide you with the amount of loan you want. Or the bank with the fastest disbursal procedure may not have your institution of choice on their approved list. So you have to scout around and ask plenty of questions.

Tips for taking loans from Arun C. Vakil, Consultant and author of Gateway to America

  • Do not over borrow. Make sure you are covered for the first year and look around for financial aid in the college.
  • Look out for charges…guarantee charges, prepayment penalties, processing charges all add up to your cost.
  • Choose colleges with wider acceptance as this will make your loan procedure easier. Many lenders have a list of approved institutions.

This article has appeared in

Is India insulated from the financial crisis?

Are we living in an insulated shell? The finance minister is reassuring the public that our banking system is solid and we are not in a crisis.

But is India a closed economy? Are we not interconnected with the world economy? The sad part is that the popular media prints only press releases. There is very little investigative information available. Get on the Internet and see for your self that the financial world and with it all other parts of industry are crumbling. 
















Can we only take the benefits of globalisation and be protected against the down falls?

Go right ahead and bury your head in the sand. The wake up is going to very tough.

Financial crisis taking nations under


Move over America the financial crisis in Europe aims at being bigger than anything Americans have faced. This crisis is about to take nations under with it.

It is not just the banks but also the countries that are about to declare bankruptcy

Kaupthing Bank hf, Landsbanki Islands hf and Glitnir are highly leveraged, like other now-troubled banks. The banks’ assets reached €100 billion, about 10 times the country’s gross domestic product last year, and their foreign depositors have come to far outnumber the island’s population.

Today, Iceland’s swollen banks are ruined. In the space of a few days, practically the government has seized the entire banking system. The largest bank of all, Kaupthing Bank, was seized Thursday, and trading was suspended on the stock exchange until Monday. The krona has ceased functioning as a currency outside Iceland.

Switzerland – the banking haven is on verge of a break down and the governement cannot rescue it. Here is why…

Switzerland’s gross domestic product totals 512 billion Swiss francs (€332.1 billion). UBS’s balance sheet adds up to 2 trillion Swiss francs (€1.3 trillion) — four times as much. Even Switzerland’s second biggest bank, Credit Suisse, oversees assets totalling 1.2 trillion Swiss francs (€778.4 billion). Together UBS and Credit Suisse have over 640 billion Swiss francs (€415.1 billion) in outstanding loans.


Britain is looking at a  bailout package for its banks with plenty of stings attached.

Next to go under seems to be Austria…Germany looks sold as of now but France is on very shaky grounds.


BBC has an excellent summary about what is happening in Europe


China and India – milk for babies

In India, it is a casually accepted fact that milk is adultrated. Most households, even in urban areas buy milk that is not pasturised,,,,from the local dudhwala who brings milk in cans and measures it out in front of the housewife. There are many a slips of water between the shop and home. 

The government bags of milk are are injected and milk is removed and water added. Blotting paper is also romoured to be used to thickened the milk. Our checks are so poor and so easily bribed away that they are non existance. But who really cares about the poor country India or for that matter who really cared about what China did with thier milk till it started killing babies in China. 

Well, the world did not really care about the small eyed yellow babies but the fact Chinese products are exported world over and may be on your table too!!! ran a story explaining the whole contamination procedure.

Have you eaten or drank any milk or milk based product that is made in China?

Great innovations of the last 20 years

Came across this great post

Please read and enjoy add to the list yourself

Corporate blogging services


Business Blogging – the path
to future


for getting into the blogging and self broadcast mode. Technology is
indeed simple, yet it can overwhelm at times along with your usual
business demands. But catching up with technology and getting visible
on the Internet is the need of the hour.

unleashes your knowledge power to reach out anywhere and empower your


why blogging?


  1. It
    is NOT a fashion statement to blog. It is all being able to display
    of all your expertise and knowledge on your area of interest be it
    work or play or even both. Blogging is neither the frivolous nor is
    it small personal talk. If you have more than one business interest
    the blog can be categorized to demarcate it.


  1. A
    blog can give you a competitive edge over your competitor. It is NOT
    for publicity but for credibility when the other make judgement
    about you. When a new client is researching about you, a
    professional well written blog can define you and your business and
    act as the most effective pull marketing agent.


  1. It
    is the best way to keep in touch with your customers and suppliers.
    Every time you publish a new thought or introduce a new product or
    business idea, a newsletter goes to a list of your clients and
    suppliers. Your business gets visibility and your skills are
    highlighted. What more you will get valuable feedback and ideas
    from them to improve your business. People will log in your domain
    somewhere in Lima or London or in Lucknow perhaps.


  1. For
    business owners
    imperative for blogging is even greater. For one thing, search
    engines favour websites that are updated regularly, and blogging is
    a great way to make sure that your content is always fresh, and thus
    regularly checked in on by Google and company. This gives you a much
    better shot of appearing high in the results of Google search.


How do you get started?

Some blogs are
free, while others will cost you a monthly or yearly subscription.
Some are hosted online for you, while others require you to host them
on your own web server.
you want a greater degree of control
the presentation, modification and location of your blog, stand-alone
or self-hosted platforms might be more suitable for your needs.
rank much better in a search engine over a free blog

Here are some
key thing to understand about business blogging

what you want to use it for

You need to be clear what you want to do with your blog right from
the start or else you are quite simply planning to fail and join the
ranks of businesses with forgettable (and most likely forgotten)
blogs. At a basic level, decide if you want to focus on company
branding, or perhaps differentiating your services by writing about
your specific expertise or perhaps carrying out market research with


who you want to read it

Try to be all things to all people and the likelihood is that you’ll
fail to appeal to anyone. The best types of business blogs tend to be
specific in nature so, if you know who you are writing for, then you
should be able to write things that are going to interest them. If
they are interested then they’re going to come back and read
some more and maybe even pass on the news to others that they’ve
found a company who really knows what they’re talking about.


what you want the blog to achieve

while we are thinking about the blog from a business perspective, how
about some targets? You’ll need to measure the results of
course and decide on your criteria – sales enquiries, newsletter
signups, referrals, reduction in customer support requests or reader
numbers are just some of the ones you could use. In any case, if you
don’t know what you want to achieve then how can you tell if
you are doing the right things?


Actual writing of a blog



we create and maintain your blog you need to only write it. The other
important aspects of blogging is taken care by us.

contents need not be huge files. You need just 2-3 paragraphs of 400
words to the maximum. It should be very informative and refreshing
perspective also.

is where we step in. From the information you give us and from our
own sources we create links to other web pages. All you would have to
do is to send a mail to a specific mail id assigned by us. The blog
gets uploaded automatically.

message comes back to you that are you sure want to approve the
uploading. The moment you click Yes, the message gets displayed and
is broadcasted automatically to all concerned who have subscribed.


Blog is always interactive unlike any other media. One can react and
comment. When someone reads your blog and feels to make comment, can
also in the space beneath add the comment. It is up to you to
moderate and approve or delete.

can get analytical reports that from which country is the most
traffic coming to your web site. And you can also know that how many
are the repeat visitor and the unique visitors too.



How will it help your business?

blog helps your business in three prongs

  1. The
    Search Engines picking on the key words display also on the search
    query. When there are more hits on the web, the ranking of the blog
    also increases. The choice to use of which key tag words for search
    engine to display is your empowered tool. As more visitors come to
    your page, the ranking display increases. A lot depends on your
    quality content duly researched is hosted to be on the top search

  2. More
    visitors will create awareness of your business and also increase
    your value amongst your existing clients.

  3. It
    also creates a positive impact on prospective job seekers as they
    get a feel of your company and you.



does Shalini Do?

have the expertise in content making ensure a silent supervision with
handholding through to make you successful and formidable. Follow
are the specific deliverables

service helps you to set up your Business Blog quickly and
effectively. It includes:

  • Pre setup
    discussion and advice on blog planning and definition

  • Set-up of blog
    using a template selection (colour modification where required)

  • Creation of
    profile and contact page

  • Basic guide to
    using WordPress

  • Set-up of your
    Business Blog’s categories

  • Hosting and
    domain if required (as per actuals)

  • A three months
    free support to manage your blog traffic, postings and comments


Terms and conditions – please
read carefully


  1. The
    entire set up take the maximum of one week.


  1. Only
    when I am convinced that it is worth for you to make a blog and
    empower will I be able to comment on undertaking the responsibility.



creation with 3 months maintenance


of Rs 10,000 has to be in advance to commence and the balance to
be paid within 10 days of the first payment.



writing (if required)

1000 per blog post

maintenance of blog after 3 months

5000 per year

and web hosting charges (if needed

per actuals




  1. All
    the issues of business jurisdiction is Mumbai


  1. Any
    statutory tax applicable shall be action


  1. Cheque
    has to be drawn in favour Shalini Amarnani, Axis Bank A/c Number
    061010100231725 and dropped in the local ATM of Axis Bank in your
    town or wire to my account directly or whatever is mutually


  1. Then
    there is a Telephonic and online support of 3 months from the issue
    of the first cheque.


  1. After
    3 months, you can avail the Annual Maintenance contract of Rs 5000/-
    per year for telephonic and email support.


  1. Please
    note where there some charges like domain name registration and web
    hosting charges etc, they shall be actual.


  1. We
    shall be all along during the blog making and Maintenance part keep
    updating you of the latest innovation on the blog to become more
    interactive. We shall be silently supervising the contents also.
    However the password would have to be changed by you and always kept
    confidential from us to manage effectively.


    Contact Details

    Shalini Amarnani


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