Cordially Yours

If you are newly married, you and your spouse may have to do a lot of financial planning . Both of you will be beginning a new life and so, there may be expenses for setting up the house. Once you set up the house and spend the initial few months, you should discuss about having kids and about saving for annual vacations, for buying your own home, for giving the best education to your children and so on. You should also discuss about saving for retirement. If you start planning for your shared retirement early, you will live more happily during the retirement period than how you live just after your marriage. The only way for planning for all these is to understand the goals, expectations and needs of your spouse. Of course, you should have clear ideas about your goals and needs also. The following points may be useful to you and your spouse while doing financial planning: 1. Both of you should discuss openly about your future goals. You may want to retire early and your spouse ma...

No one may like to look old. You may also like to have young and attractive looks . But, you should take a few steps for achieving this aim. You should mainly avoid certain foods if you want to maintain and have a smooth and young complexion. In short, you should check what constitutes your food.  If you make it a point to eat nutritious foods, you can certainly have a good and smooth complexion. Apart from that, if you minimize consumption of certain foods, you can not only improve your health but can look young also. It is not that you are advised to totally shun these foods. If you eat moderate quantities of these foods, you will derive immense benefits. - Sugar is the main thing you should reduce to the maximum. If you keep eating more sweets or refined carbohydrates, the glucose levels of your body will increase. Increased glucose levels of the body will hamper the repair of collagen as well as elastin, which is a protein that helps your skin in retaining its original complex...

Many people, especially young people, do not realize the importance of saving money . These people are of the opinion that they should spend whatever they earn and enjoy life. But, at a later date, when they need money, they may not have it and so, they may lament that they have committed a mistake by not bestowing enough attention on this aspect. If you also have such an attitude towards saving money, the following few points and reasons will show you why you should save money. - You should save money mainly for meeting unexpected expenses. Life may suddenly throw surprises and shocks. So, you can not assume that your life will always be smooth. You may suddenly need money and if you do not have it, you may have to borrow from others or look for some other source. It may be embarrassing for you to request some one to help you with funds. Instead of facing such a situation, it is better to make regular savings so that the money will be useful for such situations. - Another reason...

When you have a job interview to attend, you may be wondering how you should prepare and succeed in it. You can get a lot of tips if you browse the Internet. You may get good suggestions and tips from other job seekers. They may have posted their advice and tips from their interview experiences. You can get tips of recruitment agencies and professional interviewers also. Even HR managers may have posted their suggestions on the Net. So, if you research carefully, you can certainly gather as much information as possible. But, you should remember that most of these tips may be subjective and biased also. But, this does not mean that you should not study these things. They may be useful at some point of time. When you attend the actual interview, you may face a flurry of questions. But, it is wrong to assume that you will certainly get the job if you give the right answers to all the questions. The interviewers make their first assessment about you from your resume and the cover l...

In the current economic scenario, when unemployment problem is threatening everyone, there are many people who want to start their own online business . If you are one among them and if you do not know how to go about it, you can follow these steps. - Firstly, you should know everything about the Internet. You should know how to use it, how to navigate the Net, make your searches, researches and so on. You should also know how to use the Internet for your business. When you do your online business, you may have to use various Web tools and sites like FaceBook, Twitter, etc. There are other things like RSS Feeds, etc. Another point is that online business is a different ball-game because the culture of an Internet business is completely different from that of other traditional businesses. This means that you should be ready to spend time to learn all these things. - When you have made up your mind to start your own online business, you may have decided the products or services you...

Nowadays, it is very difficult to get a job because there is a lot of competition on the job market . If you think that only job aspirants are unhappy, you are wrong. Even those who are already employed are also facing difficult situations because they do not know when they will be asked to leave their jobs. If you are a job aspirant, you should not lose heart or allow negativity to sneak into your mind. Only if you keep faith in yourself, you can succeed in landing in a good job. As the saying goes, "you should go after your goal with faith and image yourself achieving it". Nothing can be truer than this. If you have faith and make all the required efforts, you will certainly succeed. You should never forget that you should "do every job, no matter how small, with care and enthusiasm". If you look at the current scenario on the job market, you will observe that having very good academic qualifications is just not enough for getting a good employment. You have ...

Perhaps, the economic downturn is one of the main reasons for the growth of the used cars market . Many people opt for buying used or pre-owned cars because according to them, it is not wise to invest in new vehicles when the economy is in such a bad shape. If you are also looking to buy a used car, you should check some of the most important aspects before closing the deal. - Firstly, you should decide your budget for buying your vehicle. You may mostly purchase the vehicle for the use of your entire family and hence, your choice of the vehicle depends not only upon your budget but on the size of your family also. - Once you narrow down the list of the cars you are looking for, you must choose a good dealer who has pre-owned cars of these models. - After short-listing the cars, you should make it a point to check the years of registration of the cars. Buying a car that has run more than 18,000 Kilometers is not advisable. But, while checking this, you should see if the Odomet...