Saturday, October 16, 2010

Gold prices above Rs 20000

Just few months back, it was very hard for large numbers of people to believe that gold prices will cross Rs 20000 mark so soon. However, now it is a reality and gold prices are going to stay at this price for some time. People who have bought gold just five months can book 20% profit on their purchase. From time to time gold investments provide excellent results to us; therefore, it becomes very important to invest properly in gold. People can buy gold bars to invest in gold. Gold investments must take important seat in our investment portfolio if we want to get good profits from our investments. In future also, we can see gold breaking many new records; therefore, it will be better if we buy gold at earlier stage. Gold is safe way of investment and earning good profits in future.

Thursday, October 14, 2010

Carrying memories of life

Sometime, I consider myself as only a collection of few memories and to some extent I am because these memories and experiences have great role in making what I am today. If any how I lose my memory then this world will become a complete blank for me. Therefore, we can say that memories are great part of our existence and we are nothing if we do not have these memories. Like me every person in this world has collection of many memories in his mind and due to which we all behave, think and react.

Today, some people whom I believe as my friends because I have sweet memories related with them while there are others whom I believe as my enemies because I remember only hateful memories or experiences associated with them. Sometime, I think that if I lose my memory then I will be unable to make difference between friends and enemies and all people of world will look same to me. From this conclusion, we can even blame our memories for this hate and crime around us. Today, our most of the world is in bad state because we are only able to remember bad things related to it.

One day, we all will leave our memories here in this world and become one with the supreme existence where we will not have bondage of our memories and good or bad experiences. Though, most of us may never realise this fact. It is important for us to not becoming the slave of our memories, whatever they are good or bad. Our existence is only for the enjoyment of present moment and not carrying the burden of old and rotten memories.

Review BSNL Broadband

Presently, State owned Telecommunication Company BSNL (Bharat Sanchar Nigam Limited) is providing cheaper broad band service to millions of internet users in India. From last two months, I also got the chance to use this service and after using this service I am very much satisfied with their service performance. I am using internet from last three and half years and I have the experience of using internet services of various players like Reliance, Sify, Tata Indicom and airtel etc.

I also used different modes for surfing internet like data card; plug to surf modem, base phones, gprs enabled mobile sets etc. At the end, I really want to give full credit to BSNL for providing high speed internet at comparatively low cost. With the combination of wifi modem, I also get the freedom of using my laptop at my own convenience. Presently, I am using Rs 500 for 1.5 GB download connection which also includes the bill of telephone in it. When I compare this connection with other options used by me earlier than really, it is best option available with people for using a fast internet connection at reasonable price.

Moreover, BSNL also provide broad band modems both wifi and simple at subsidised rates which are otherwise much expensive in the market. Not only this, BSNL also provide free replacement or service of your modem if any problem comes in it at any time in future which is not available with any private player despite tall claims and every private player only provides a maximum of one year replacement or service warranty on their products.

Already, this connection is a big hit and many people are using it in their homes and offices. Though, BSNL broad band also give some problems in peak hours but it is many times better than the other options available with us today. Therefore, people looking for reliable and cheaper broad band connection can think about the BSNL.

Where to buy gold coins?

Today, every person want to invest in gold by buying gold and gold coins provide a great option in front of us to buy gold. There are large numbers of Indian banks which are attracting Indian customers by offering them option to buy gold coins. Selling gold coins have emerged as a good profitable business to many of these banks and we can get good quality gold coins from these banks. However most of the banks sell these gold coins for premium at higher price than currently available in the market because they claim 100% purity. People mostly buy these gold coins from the banks due to the guarantee provided by them and second due to heavy advertisements. Gold prices have also appreciated in the past few years. Therefore, most of the people think it wise to hold gold with them to get the huge returns in the future. Last year, we all saw gold prices soaring in India. People can easily find more good deals on the gold coins if they can manage to research more in the market. It can be a great option to buy gold from trusted jewellery shop because here people can buy same gold coin at reasonable price.

Smart ways of using Credit Cards

In last few years, credit cards have become common thing in India and large numbers of people are now using credit cards for various spending. The major reason behind the increase in use of credit cards is ease of getting a credit card and freedom of spending on credit. Moreover, people are also finding credit cards very helpful in online buying or in foreign travels. Therefore, credit card is slowly emerging as a good alternative for the hard cash.

However, there are certain worries also which are associated with credit cards and can land people in troubles if they do not control their spending through credit cards. Many time, people land in troubles because they over spend on credit cards without planning how they will pay back. Second, many people using credit cards also do not have proper knowledge about the terms and conditions associated with their credit card and therefore, land in trouble due to lack of information about their credit cards.

For every credit card user, it is very important to get proper information about their credit card like rules, regulations, terms, billing date and due date etc. People are also required to keep in mind that they also have to pay money back spend on credit card, therefore, it is important to have a proper plan for paying money back. People can easily use credit cards for their advantage if they know when to spend and when not to spend with credit cards, for example spending money through credit cards after billing date provides more time for paying back than spending money before billing date.

Credit cards are only present for providing some help in financial matter and not for solving for our credit problems because credit cards can further increase our financial worries if not used properly and land us in more troubles.

Ways to use Credit Cards Wisely

It is an art to use credit cards wisely; otherwise, people can land in big problems by overspending money on credit cards. Credit cards offers us a credit limit which in simple words is a preapproved loan which we can spend any time even without having enough balance in our bank account. Mostly, we are required to pay back this money within 20 to 50 days. Moreover, we can even pay this money over a long time by paying back some interest to Credit Card Company.

In this situation, credit card companies make lots of money because they charge very high amount of daily interest on money which make people to pay lots of interest money back for using money from credit cards; therefore, sometimes people even take more loans and credit cards to pay previous out standings on credit card. This approach is very harmful because it only lands us in more trouble day by day. Best approach of using a credit card wisely is to spend money in such manner from credit card so that we can pay it on time or we can pay it as early as possible. Loans of big amounts on credit card are like suicide; though, in difficult situations we can get help of them.

It is important for people to understand that good credit limit on credit card does not make them a very rich person and they need to understand what their actual paying capacity as per their income is. Spending money is very easy but a good control on our spending can help us well in long term. It is not wrong to use credit cards often but we also need to understand that we should only spend through our credit card if we can pay it back on time.
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