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    My husband thought I was silly. The first month I would save over half on my grocery bill, the second month I was bringing home receipts showing him how I got stuff free at the grocery store. I think he must have feel out of his chair when the third month came along and I came home and the store actually had to pay me to shop there (sitting here laughing and reminicing all these memories while writing this).

    This helps in adjusting the buying price in accordance with inflation and you get an edge from your taxes on interest over normal FDs. Alternatives to Capital Protection Funds: Capital protection funds invest 80% in debt and 20% in equity. You can do this on your own. That is you can invest 80% of your money in FD or FMP or debt fund and invest the balance 20% in equity funds. Mostly, the capital protection funds have high expense ratio. So instead of investing in capital protection funds, you can create your own capital protection asset allocation combination. Remember, you need to make the investments to work for you, not to the banks. Plan well and save your hard earned capital! The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Director and Chief Financial Planner of Holistic Investment Planners (holisticinvestment. in) a firm that offers Financial Planning and Wealth Management.

    With intensified rate of growth of community forums nowadays, you can definitely find yourself requesting "What perform these social networks have that they can be slowly but surely growing like wildfire? "For beginners, let us identity a few good stuff one can comes from joining in forums. Above all, the reason why community forums are so well-known is because they can be engaging. Within a forum, "forumers" are given the utmost real person to people discussion. Unlike Talks or Instantaneous messaging, a online community can let a person connect to not just a few persons; within a forum, you are able to practically allow entire world learn about what you believe or think. And futhermore beautiful is the fact there can be invisiblity in a online community. Well, staying anonymous possesses its own advantages and disadvantages nevertheless let us not really dwell on this. The important thing about this is that, within a forum, you are able to choose to be or perhaps not to end up being anonymous.

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