My Life, My Decisions
                                                 (A Life Time Decision)

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The future depends on how we plan the present.If the planning and decisions are right, the future is definitely good.              ...A renowned Economist.

Life Time Decisions! It is now or never !

  Life is full of uncertainty. It is better to plan our life as early as possible. My Life My Decisions enables you to plan every facet of your life in a manner that provides you least stress.My Life My Decisions, has created tools to enable the visitors/users to make smarter decisions through interactive, decision-making tools backed up by sophisticated algorithms.

The effort is to provide a platform so that unbiased information and analysis is available to users on almost all the critical areas, that are important for everybody's life. After doing considerable research, detailed information/analysis has been made available in the areas of Savings , Children education, Financing and re-financing, Life and health insurance, retirement planning and real state which are very important decisions in every individual's life.

The areas where a person can pro-actively take decision are:

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Earning is necessary. Those who are not earning, definitely would like to start earning as early as possible, but those who are working and want to increase their income can also start earning through online earning option. Since there is no pre-condition, anybody whether students,working/ non-working, house wives and even senior citizens can also use this option to add on to their income.


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Saving is must. We all know and understand the importance of saving, still do not start saving at the right time, Saving, therefore must be started as early as possible. Various options of savings are available in the Saving Page.



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Child Education is very important. Parents need to plan child education considering all the options including interest of child and ofcourse the resources available. Options for education are aplenty, therefore , one must plan the education at the right time.



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Finance or Money is probably, the most important part for all of us. Financing page deals with various finance options. Some times , we need to think of taking loan for various reasons. To decide about the lender based on certain factors , therefore becomes important. Financing page enables, the user to take decisons by doing his own calculation before approaching the Bank etc. Refinancing, sometimes also becomes important. All the required information is availabe in this option.


Crowdfunding and Peer2Peer lending is the latest in line with raising funds and both are catching up.


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We all know that "Insurance" of all types are important , as no body knows , when its need comes up. It is therefore strongly recommeded that Insurance for Life, Health, Vehicle and House is necessary. All the details about the Insurace are available in Insurance option.




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Retirement is inevitable. Everybody has to retire from his active working life at some stage. But to retire and still live with standard that is important. For that , it is necessary to plan retirement, so that one can continue with the similer life style. Details are available in retirement option.




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Everybody has a dream to own house. In view of that proper planning enables a person realise that dream at the right time. Be it house/flat or location including the loan requirements are provided in Housing Option. This option enables the user to look into all the options and then take his decisions.




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Income Tax is probably, a concern for all of us. Tax planning is, therefore necessary, because it enables the Tax payer assess his/her financial position and how, he/she should efficiently plan the finances so that there is minimal tax liability without doing anything illegal.The site has provided details of Tax Computation along with tax computation facility, so that at any point of time, one can calculate the tax liability with current Income and Saving status.Different categories of people need to plan their tax according to their requirements/ profession.


Almost everybody comes under one of the below mentioned categories:

  1. Salaried Class
  2. Freelancer/Self Employed or Professionals
  3. Farmers/Agriculturists
  4. Retired persons (still having taxable income)


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As the digital working is catching up. We too, need to follow the digital working. Digital Payment is not only easy , but saves efforts and time. One of the following options may be used for payment.

  1. Online using Computer
  2. Mobile Phone

To learn more about Digital Payments, Go to the Payment_Made Page and select the right option!


Views about Decisions

The future depends on what we do in the present.                    ... Mahatma Gandhi

 

Failure is the opportunity to begin again more intelligently.            ....Henry Ford

 

Once you make a decision, the universe conspires to make it happen.                ...By Ralph Water

 

I am NOT a product of my circumstances. I am a product of my decisions.                ...By Stephen Covey

 

It’s not hard to make decisions when you know what your values are.                ...By Roy Disney

 

Every accomplishment starts with the decision to try.

 

Don’t make a permanent decision on temporary feelings.

 

Life isn't about finding yourself. Life is about creating yourself......G.B.Shaw

 

The most important thing is to enjoy your life - to be happy - it's all that matters....Audrey Hepburn

 

Life is really simple, but we insist on making it complicated....Confucius

 

In the end, it's not the years in your life that count. It's the life in your years....Abraham Lincoln

 

The truth is you don't know what is going to happen tomorrow. Life is a crazy ride, and nothing is guaranteed....Eminem

 

News that may be of your interest

NSDL links all the holdings across securities such as Shares, Mutual Funds and Bonds using PAN of the Investor..... NSDL(TOI)

 

An investment in knowledge, that pays the most interest..... Ben Franklin

 

Pay attention to your savings. As they grow you will feel empowered....By Ralph Water

 

‘Rule No. 1: Never lose money. Rule No. 2: Never forget Rule No. 1.’ ... By Warren Buffet

 

"Beware of expenses. A small leak will sink a great ship.".... By Ben Franklin

 

Retirement income portfolios provide a mix of stocks, bonds and cash for those investors already in or entering retirement.... Money

 

Remember, just because you are retired doesn’t mean your investment time horizon is over.