Sandesh Goel

Here’s some of the personal financial planning wisdom that I have gathered over the years put into bullet points Spend what you have left after saving, not the other way around Save at least 10% of your paycheck, go as high as 30% if your income allows it Start saving as early as possible, preferably from the first paycheck   Create a contingency fund, equivalent to at least 6 months expenses, put this in a liquid mutual fund Get life insurance (at least 5-10 times your annual salary, it won’t look that high 10 years down the road) Get medical insurance (go for at least 10 lakh limit) Don’t keep any high interest loans (credit card loan is an absolute no, repay car/bike loans as soon as possible) Home loan is okay if it is for your first home (taking loan for second home is like investing, there are other simpler ways to investment, see below) After all of the above, if you have extra savings, create a long term portfolio You should not touch this for at leas...

Following are my comments in reference to the consultation paper on differential pricing release by TRAI available at the following URL: http://www.trai.gov.in/ WriteReaddata/ ConsultationPaper/Document/CP- Differential-Pricing-09122015. pdf I think the consultation paper does a very good job of laying out the current landscape by outlining the benefits as well as pitfalls of the current differential pricing schemes being advertised by TSPs (Telecom Service Providers). I would like to compliment the TRAI for the same. I would like to strongly oppose allowing any such differential pricing schemes.  The TSP's and platform providers are pushing these schemes very strongly, under the veil of altruism, without getting into the real motives behind this. This is what makes all these attempts disingenuous and hard to trust. The dream of digital india and connecting the next billion of our population needs to be fulfilled as soon as possible. And it is the responsibility...

Don't trust a leader who says he will favour you because of your religion, caste or creed. Such a person has favouritism build into their character. True, he may favour you over other caste and religion, but only when convenient. He will favour himself above everyone else, his family above every other family, his relatives and friends over everyone else, and if there are favours left to dole out, he will favour his caste and religion above everyone else. This is what we have seen our political leaders do over all these years. This is basically what the "VIP" culture is all about. The "closer" you are to the leaders, the better treated you are. Instead, look for a leader who promises to be fair and balanced. Look for a leader who promises to do the right thing. He is the leader who you can trust to make decisions in national interest and your interest. He is the leader who will fight for your justice, so that that when you are at the receiving end of an unfa...

Following is a link of a list of all 24 candidates in the fray for NOIDA seat for Lok Sabha elections fo 2014. The affidavit submitted by each candidate is also linked to each candidate's name. The affidavit includes declaration of income, assets and any criminal cases for the candidate and immediate family. http://affidavitarchive.nic.in/DynamicAffidavitDisplay/CANDIDATEAFFIDAVIT.aspx?YEARID=May-2014+%28+GEN+%29&AC_No=13&st_code=S24&constType=PC The elections are on Apr 10, 2014. The website of Chief Electoral Officer of UP is  http://ceouttarpradesh.nic.in/ . Following is a snapshot for quick reference.