Part -2: Secret behind our beloved Sonia G

Part -2: Secret behind our beloved Sonia G

Ms. Sonia Gandhi upon learning enough English became a waitress in Varsity Restaurant in Cambridge town. She first met Rajiv when he came to the restaurant in 1965. Rajiv was a student in the University, but could not cope with the academic rigour for long. So he had to depart in 1966 for London where he was briefly in Imperial College of Engineering as a student. Sonia too moved to London, and according the information,  she got a job with an outfit run by Salman Thassir.  Salman  is a debonair Pakistani based in Lahore, and who has a export-import company headquartered in Dubai. But he spends most of his time in London. This fits the profile of an ISI functionary.

Obviously, Sonia made enough money in this job to loan Rajiv funds in London, who was obviously living beyond his allowances Indira herself expressed suffering to By Dr. Subramanian Swamy on this score in late 1965 when she invited him to a private tea at the Guest House in Brandeis University.

Rajiv’s letters to Sanjay, who was also in London then, clearly indicate that he was in financial debt to Sonia because he requested Sanjay who obviously had more access to money, to pay off the debt.

However, Rajiv was not the only friend Sonia was seeing those days. Madhavrao Scindia and a German by name Stiegler are worth mentioning as other good friends of Sonia.

Madhavrao’s friendship continued even after Sonia’s marriage to Rajiv. Scindia in 1982 was involved in a traffic accident near IIT, Delhi main gate while driving a car at 2 AM. Sonia was the only other passenger. Both were badly injured. A student of IIT who was burning midnight oil was out for a cup of coffee. He picked them up from the car, hailed an auto rickshaw and sent an injured Sonia to Mrs Indira Gandhi’s house since she insisted in not going to a hospital.

Madhavrao had broken a leg and in too much pain to make any demand. He was taken to hospital by the Delhi Police who had arrived a little after Sonia had left the scene. In later years, Madhavrao had become privately critical of Sonia, and told some close friends about his apprehensions about Sonia. It is a pity that he died in mysterious circumstances in an aircrash.

The circumstance under which Rajiv hastily married Sonia in a Church in Orbassano is controversial but that was his personal matter that has no public significance. But what is of public significance is that Indira Gandhi who was initially dead set against the marriage for reasons known to her, surrendered to hold a registry marriage with Hindu ceremonial trappings in New Delhi. The pro-Soviet T.N. Kaul prevailed upon her to accept the marriage in “the larger interest of cementing Indo-Soviet Friendship”. I guess Kaul would not have intervened unless the Soviet Union had asked him to.

Such has been the extensive support from the beginning extended to Sonia Gandhi from the Soviets.
When a Prime Minister of India’s son dates a girl in London, the KGB which valued Indo-Soviet relations, obviously would investigate her and find out that she was the daughter of Stefano, their old reliable Italian contact. Thus, Sonia with Rajiv meant deeper access to the household of the Indian Prime Minister. Hence strengthening the Rajiv-Sonia relations was in the Soviet national interest and they went to work on it. Sadly they did through their then existing moles in the Indira Gandhi camp.

After Sonia Gandhi’s marriage to Rajiv, the Soviet connection with the Mainos was fortified and nurtured by generous financial help through commissions and kickbacks on every Indo,Soviet trade deal and defence purchases.

According to the respected Swiss magazine, Schweitzer Illustrate [November 1991 issue], Rajiv Gandhi had about $ 2 billion in numbered Swiss bank accounts, which Sonia inherited upon his assassination.

The magazine printed the names, photographs and the amount deposited by each of them.  They included Idi Amin of Uganda, Anastasio Somoza of Nicaragua, Jean Claude Duvalier of Haiti, Manuel Noriega of Panama, Seke Moboto of Zaire, Nicolai Chausescue of Rumania, Haile Selassie of Thiopia, Abu Nida of Palestine, Jaafar Numeiri of Sudan, Suharto of Indonesia, Saddam Hussain of Iraq, Jaa B. Bokassa of Zontralafrika, Rajiv Gandhi of India and Reza Pahlevi of Iran, in that order.  The amount said to be deposited by Rajiv Gandhi in various Swiss Banks was 2 billion US dollars.  Most of them, who figure in the list, are infamous for being corrupt, nationally and internationally.  The magazine which published this story is supposed to be a very serious publication.

CPI(M) MP Amal dutta raised the matter in parliament, and he did mention the name of Rajiv Gandhi and the amount, but nothing could go on record for there was pandemonium from treasury benches which happened to be occupied by the Congress at that time.  There upon, Sunday Mail carried this story and reproduced the photographs and money mentioned under their names which in turn was published in the Hindi daily Amar Ujala, too.  The point to note was that Congress Government neither confirmed the story nor denied it.  No defamation suit was filed by any of the fourteen leaders or by their relatives.  This speaks volume about the Rajiv-Sonia couple.  India can get her money back, according to the Swiss laws, if prosecution proceedings are finally launched against the heirs of Rajiv Gandhi

Baba Ramdev openly spoke about 5 lakhs rupees withdrawn that was by Congress Party :

Ramdev was raped after this:

More about her will be continued in next blog…

Shameful Indian,
-K Himaanshu Shukla..

NOTE: The facts specified above are taken from internet and from the email of Dr. Subramanian Swamy( Janata Party), Scrutiny is not responsible for any Authenticity.

Copyright © 2011 - ScrutinyByKHimaanshu

Part -1: Secret behind our beloved Sonia G

Part -1: Secret behind our beloved Sonia G

Sonia Gandhi our beloved Scam Queen Sonia G, who got Bharat in her ‘Muh Dikhayi’ is an alien, widow of the late Rajiv Roberto Gandhi

Sonia Gandhi (born on 9 December 1946) is an Italian-born Indian politician. She is currently the President of the Indian National Congress Party, Chairperson of the ruling United Progressive Alliance in the Lok Sabha and the leader of the Congress Parliamentary Party. She is the longest serving president of the Congress party.

She was named the third most powerful woman in the world by Forbes magazine in the year 2004 and was ranked 6th in 2007.

In 2010, Sonia G ranked as the ninth most powerful person on the planet by Forbes Magazine.

She was also named among the Time hundred most commanding people in the world for the years 2007 and 2008.

The British magazine New Statesman listed Sonia Gandhi at number 29th in their annual survey of “The World’s 50 Most Influential Figures” in the year 2010.

Now lets read the three lies about her..

Years ago Ms. Sonia Gandhi’s background was publicized by Congress Party, which was based on three lies to hide the ugly reality of her life.

1.    Her real name is Antonia not Sonia. The Italian Ambassador in New Delhi revealed this in a letter dated April 27, 1983 to the Union Home Ministry which letter has not been made public. Antonia is Sonia’s real name in her birth certificate. Sonia is the name given to her subsequently by her father,late Stefano Maino following his return from Russia where he had been a prisoner of war. Stefano had joined the NAZI ARMY as a volunteer.

Sonia is a Russian not Italian name. While spending two years in a Russian jail, Sonia’s father had become quite pro-Soviet; especially after the liberating US army in Italy had confiscated all fascists’ properties including his.

2.    She was not born in Orbassano as she claims in her bio data submitted to Parliament on becoming MP, but in Luciana as stated in her birth certificate. She perhaps would like to hide the place of her birth because of her father’s connection with the Nazis and Mussolini’s Fascists, and her family’s continuing connections with the Nazi-Fascists underground that is still surviving since 1945 in Italy. Luciana is where Nazi-Fascist network is headquartered, and is on the Italian-Swiss border. There can be no other explanation for this otherwise meaningless lie.

3.     Sonia Gandhi has not studied beyond High School. She has falsely claimed in her affidavit filed as a contesting candidate before the Rae Bareli Returning Officer in the 2004 Lok Sabha elections, that she qualified and got a diploma inEnglish from the prestigious University of Cambridge, UK.

The truth is that Ms. Gandhi has never studied in any college anywhere. She did go to a Catholic nun run seminary-school called Maria Ausiliatrice in Giaveno [15 kms from adopted home town of Orbassabo]. Poverty those days forced young Italian girls to go to such missionaries and then in their teens go to UK to get jobs as cleaning maids, waitresses and au pair. The Mainos were poor those days. Her father was a mason and mothers a share cropper.

Sonia thus went to the town of Cambridge and first learnt some English in a teaching shop called Lennox School [which has since 1970 been wound up]. That is all her “education” is—learnt enough English language to get domestic help jobs. But in Indian society education is highly valued. Thus, to fool the Indian public, Sonia Gandhi willfully fibbed about her qualifications in Parliamentary records [which is a Breach of Ethics Rules] and in a sworn affidavit [which is criminal offence under IPC, severe enough to disqualify her from being MP]. In popular parlance, this is called 420 or 10 “numberi” [not to be confused with 10 Janpath].

These three lies indicate that Ms. Sonia Gandhi has something to hide, or has a hidden agenda for India.

More about her will be continued in next blog…

Shameful Indian,
-K Himaanshu Shukla..

NOTE: The facts specified above are taken from internet and from the email of Dr. Subramanian Swamy( Janata Party), Scrutiny is not responsible for any Authenticity.

Copyright © 2011 - ScrutinyByKHimaanshu

When I felt proud because of you Anna..

I boarded the train from Andheri to Vile Parle. When the train started running I heard the conversation between two uneducated men. 

One man said, ‘Abe saala aaj subah anna ka phone aaya tha (I got a phone call from Anna today).

‘Kya bola re woh (What did he said)?
’ the other man asked.

Woh bola kab tak bhooka rahu?, tu zara Sonia ko samjha ki maan jaaye lokpal bill ke liye. Roz roz bathroom me chup chup ke kab tak Vada Pav Khaata rahu mai?(Anna pleaded can you please requested Congress President Sonia Gandhi to accept the Lokpal bill. I can't stay hungry anymore and fed up of secretly having Vada Pav’s in bathroom)’, he replied.

They both started laughing, which made me angrier.

I turned around, pointed towards the one man asked other one, ‘Tujhe iske baap ka naam pata hai? (You know the name of his father?)’.

He replied surprisingly ‘Nahi yaar’.

I showed my middle finger to them ‘Saale chutiye tujhe tere dost ke baap ka naam nahi pata aur tu uss aadmi ka majak bana raha hai jisse aaj desh ka bachcha bachcha jaanta hai, kyunki wo kuch achcha kar raha hai hamare liye. Khud ko aaine me dekh fir kisi ka majak banana .(Fool you are, you don’t even know the father’s name of your friend and you are making fun of Anna. Every child in my India knows his name because of the great work he is doing for us. Watch yourself in the mirror and then laugh on other.)'

I was so angry and pissed off that I wanted to slap them hard around the face. Then I closed my eyes, to calm down I start counting from 1 to 10, someone gave me a great pat on the back. When I opened my eyes I saw everyone in the luggage compartment of slow local train from Andheri to Churchgate started clapping.

I got goosebumps and felt proud because of you Anna.

Corrupt and Shameful Indian,
-K Himaanshu Shukla..

NOTE: It's not a fictitious story

Copyright © 2011 - ScrutinyByKHimaanshu

Third time Bebo spotted flashing cellulite on her thighs..

Recently in an event Kareena Kapoor was spotted looking super vivacious in a black and bronze mini dress.  The dress which she was wearing wasn’t that much great her hair and makeup were just flawless.

"Kareena Kapoor at the magazine launch in Srilanka"
It was unbelievable what was caught on camera that’s Kareena's cottage cheese thighs. Size zero fame Kareena has as cellulite too. This is the third time, she has been spotted flashing cellulite on her thighs.

A week ago she sat cross legged at a magazine launch in Mumbai. She did the same in Shri Lanka where she went to launch a book based on 3 Idiots on 7 June, 2010 and to launch a magazine.

For those who don’t know what Cellulite is, it is a topographic skin change that occurs in most post pubertal females. Cellulite is a fancy name for collections of fat that push against the connective tissue beneath a person's skin, which causes the surface of the skin to dimple or pucker and look lumpy.

Bebo tried to hide the cellulite on her thighs with her hand but she lost the battle against camera..

-K Himaanshu Shukla..

Copyright © 2011 - ScrutinyByKHimaanshu
If you have created a signature in Gmail, while sending a Reply to a email or while forwarding an email, you might face this issue. Your Gmail Signature will come at the bottom of the mail you are Replying or forwarding.

If you want to move Gmail signature to top, follow the below steps. It's very easy.

  • Select the Options Icon at the Top Right Corner in your Gmail page

  • Then Click on Labs

  • Now Press "Ctrl + F" to Search for "Signature tweaks" in Labs

  • Enable it by clicking the Radio button against Enable

  • Now hit the Save button at bottom of the page.

  • Now go to the Signature Editor in Options -> Mail Settings.

  • Add email delimiter (--) to your signature as it will not be automatically added

  • For example see below signature:

    That's all. You are done. If you want a nice Quote to add to your Signature, get is from here.

About Robert Vadra

Robert Vadra (Robert Vadera) was born on 18th April, 1969. His parents are Rajinder Vadra(Eric Vadra) and Maureen Vadra.

Maureen, his mother was of Scottish origin, her maiden name was McDonagh. While growing up, Robert was largely influenced by his mother. His father’s family has their origin in Moradabad, in Uttar Pardesh. His mother Maureen hails from Scotland.

After Robert Vadra got married with Priyanka Gandhi alias Bianca Maino, all newspapers are scared to discuss the story of Robert Vadra because of severe threat from Sonia Gandhi and Congress govt. 

Robert breaks connection with his family
A bit of family drama, which clearly was brewing for some time at 10 Janpath, the residence of Congress (I) president Sonia Gandhi, has spilled out in the open.

A public notice on behalf of Robert Vadra, the husband of Priyanka Gandhi, was put out in two newspapers on January 2, 2002, announcing that he was dissociating himself from his father and brother. In the Ad he declared that he had nothing to do with his father,  Rajinder, and brother, Richard, and that any attempts by them to gain favours by pretending to act on his behalf should be disregarded. The notice was issued on Robert's behalf by advocate Arun Bhardwaj.

Robert's father (who was running a brass and wood handicrafts business) and elder brother Richard(he ran an independent export business), was accused of using Robert's relationship with Priyanka Gandhi to try and get people appointed to the Uttar Pradesh Congress committee and the Moradabad District Congress committee. 

His relatives are dropping like flies

Richard Vadra, estranged brother of Robert Vadra, reportedly committed suicide at his residence in Vasant Vihar in Dehli on 19 September, 2003.

In April 2001 Vadra family lost Michelle — Robert and Richard's sister — in a mysterious car accident on the Delhi-Jaipur highway.

Robert's father Rajinder or Eric Vadra committed suicide under mysterious circumstances. No details are available on what happened. He was found hanging from the ceiling fan in his room, in a guest house in Yusuf Sarai. He had been staying at the guest house, Citi Inn, since the past two years. He was declared brought dead by the hospital where he was taken to. Eric's bosy who was then Cristian was cremated and that too in such a haste. Is somebody trying to hide some evidence here? Was it for preventing possible exhumation of his body for forensic tests?.

It is said that Sonia was unhappy with Eric Vadra as he handed over his school to the Hindu organization. When objection was raised then Eric said, "But everyone is entitled to their beliefs. I handed over the school to the RSS because they are the only ones with the experience to run schools professionally."

The Vadra family farm is in Bagarpur, 12 km from Moradabad. It hosts a Rashtriya Swayamsevak Sangh-run school 'Saraswati Shishu Mandir' and occasional shakhas.

Om Prakash Vadera is the uncle of Robert Vadra. The farm is named 'Sanjay Manu Vadera' after the sons of Om Prakashwho died in separate accidents.  The family uses different spellings for their surname.

Rajinder, who was separated from his family, had in an interview denied his son's allegations of using Robert's name and expressed his displeasure at his marrying Priyanka, the daughter of Congress president Sonia Gandhi.

His mother Maureen is alive, she was of Scottish origin and a fundamentalist Christist, who got late Rajinder (the Hindu father) to convert and forced all her children to be fundamentalist Christists too.

About his business
  • He is having stakes in Malls in premier locations of India; he is having stakes in DLF IPL, and DLF itself. He was involved in CWG corruption - DLF was responsible for development of Commonwealth games, and Kalmadi gave favoritism to DLS because of Robert Vadra's direct interest and business partnership with DLF.

  • ‎Robert owns many Hilton Hotels including Hilton Gardens New Delhi

  • Robert's association with Kolkata Knight Ryders has never been reported by Indian media

  • He has 20% ownership in Unitech, Biggest beneficiary ownership of 2G Scam. Because of Robert's involvement in this scam, there are concerns that investigation would never reach decisive conclusion

  • He owns prime property in India specially especially hubs, and taxi business but for Air Taxi. He owns few private planes as well.

  • He has direct link with Italian businessman Quatrochi.

Above facts are taken from newpapers and online sources...
Shameful Indian..
-K Himaanshu Shukla..

You have got only a few more months to complete this financial year. Very soon you will get a call from your company to submit the proofs for tax saving investments. So why don’t you spend some time on organizing your tax plan?

1) Proper Allocation of Annual compensation:

Restructuring your salary with some additional components can reduce your tax liability. This restructuring doesn’t require any additional cash outflow. The following components can be efficiently used to reduce your income tax liability.

  •  Transport allowance to the extend of Rs.800 is exempt

  •  Medical expenses which are reimbursed by the employer are exempt to the tune of Rs.15000

  •  Food coupons like sodexo or ticket restaurant are exempt from tax up to Rs.60000

  •  Individuals who are all living in a rented accommodation can include House Rent Allowance ( HRA ) as a part of their salary

  •  Leave Travel Allowance (LTA) can be part of your salary as this can be claimed twice in a block of 4 years.

2) Effective Utilization of Tax Exemption:

As far as possible utilize the maximum exemptions available under section 80 C, 80 CCF and 80 D. The maximum exemption available under section 80 C is Rs. 100000.

Under this section Rs.100000 investment or contribution can be made in PPF, NSC, Life insurance premium, 5 year FD with banks and Post offices, Mutual Fund ELSS, Principal Repayment of housing loan, and the tuition fees paid for children’s education.

Under Section 80 CCF, you can invest up to Rs.20000 in infrastructure bonds.

Under Sec 80 D, the premium paid towards the mediclaim policies are exempt. The maximum limit of exemption is Rs.15000 and for senior citizens the limit is Rs.20000 and for covering senior citizen parents there is an additional exemption to the extend of Rs.15000.

3) Properly Structure your Housing Loan:

The Principal repayment of a housing loan is eligible for a deduction up to Rs.100000. The interest paid on a housing loan is eligible for a deduction up to Rs.150000. If the housing loan is for a sizeable amount, then it is possible that the principal repayment and interest may exceed the specified tax exemption limit. To utilise the maximum tax benefit, an individual can consider going for a joint home loan with his/her spouse or parent or sibling. This will make sure that both the co-owners can claim tax deductions in the proportion of their holding in the loan.

4) Tax Plan in Sync with Overall Financial Plan:

You should not do your tax plan in isolation. You need to do it in sync with your overall financial plan. So a tax plan is not only to just save taxes and also it should assist you in achieving your other financial goals like children’s higher education, buying a home or retirement.

5) Avoid Last Minute Rush:

In fact the right time to do the tax plan is the beginning of the financial year. If you postpone your tax planning even now and do it in the last minute, then you will not be able to choose the right investment. In the last minute rush, you will be forced to choose a scheme which gives the proof immediately. Is the investment sound and profitable? Is there any other better options? You will not be able to choose the best scheme and you may settle with a mediocre one.

6) Invest Some Quality Time:

Before investing your money, you need to invest your time. You need to take some quality time to understand the various tax saving options and compare their benefits and limitations.

7) Check for Future Commitments:

Some tax saving options like NSC or ELSS need only onetime investment. Some other tax saving options like PPF, Ulips need periodical investments year after year. You need to be careful in choosing a tax saving scheme where you need to commit for periodical future payments. You need to check on a few things like; do you need such a future commitment? Will you be able to meet the future commitments at ease? The law may change and you may not get any tax exemption for your future payments. Would you consider the scheme irrespective of tax benefit for the future payments?

8) Changed Your Job; Redo your Tax Plan:

Did you switch your job in the middle of the financial year? Then you need to redo your tax plan with consolidating the income from both the companies. It is advisable to inform the new company about the income during the particular financial year from the old company. So that your new company will deduct the right amount of TDS. Otherwise you may need to pay extra tax at the end of the financial year.

Whenever you change your job, you need to have a sitting with your financial planner or tax advisor. So that the required changes in your tax plan can be done proactively.

With proper tax planning you can reduce your tax liability; save more; invest better and become wealthier.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

Bipasha and Bhatts decided to let bygones be bygones..!

It seems the bad blood between Hot Bipasha Basu and Bhatt’s is now vanished. She started her career with Ajnabee and got fame from Bhatt’s Raaz and now after almost a decade the lady is returning to Bhatt’s.   Rumours had been doing rounds for quite some time about Bips and Bhatt’s Narazgi because of Murder 2. Now the latest buzz is that she has signed up for the 3rd installment of Raaz. The dusky beauty had done blockbusters like Jism and Raaz with Bhatt Camp. Raaz 3 will be directed by Vikram Bhatt, they are planning to make it in 4D.

On micro blogging, Vikram Bhatt shared his enthusiasm about roping in Emraan, Jacqueline and Bipasha for Raaz 3. He said, "So it is official now...the cast of Raaz 3- Emraan, Jacqueline and ..... Bipasha Basu!"

He added, "Bipasha fans out there! How do you like the name Shanaya for her Character in Raaz 3?"

Vikram Bhatt says, “Our film Raaz was a block buster, Bipasha is a very important part of our team that created the magic on silver screen. I am extremely happy to be working with her again and hope to create the same enchantment with the already thrilling pair of Emraan Hashmi and Jacqueline Fernandes.

 “Raaz brought recognition to both Vikram and Bipasha, Raaz-3 is a homecoming for them. I accept we had few issues earlier, but that’s ok sometimes we fight with friends and family, alterations need to be made.  Bipasha uttered a desire to work with us again and when we narrated Raaz 3 script she loved it. The character of Shanaya is a very challenging and powerful role for her,” Mukesh Bhatt said.

Bong Babe Bipsy confirmed the news, “I have a long and fruitful association with Vishesh films. I am very affectionate of both Mahesh ji and Mukesh ji, they have given me two of my best films Jism and Raaz. It was only a matter of time before we worked together. Vishesh films is like home so I thought of working with my own people gives me a high.

She tweeted, "A big shout out to a dear friend thevikrambhatt! Do welcome him to twitterverse! Looking forward to Raaz 3.

It seems after breaking up with John Abraham B-Town star has decided to revamp her career all over again.  Bips and Bhatt decision to let bygones be bygones and working together with open arms will make horror flick Raaz-3 hotter.

We wish third installment of the hit franchise will put the fire on Silver screen again.

-K Himaanshu Shukla..

Copyright © 2011 - ScrutinyByKHimaanshu
Getting married is one of the most important events in your life. There is so much to consider—the flowers, the jewel, the dress, the venue, the photography—the list goes on. Once you are back from the honeymoon, the daily life of marriage begins and also begins the challenges of managing the finances of a new household with your spouse.

In recent studies, many couples ranked financial matters as one of the most essential factors when it comes to happiness in a marriage. It is one of the key factors causing marital stress.

Money Compatibility:

First thing to do is to check how compatible you and your spouse in money management. You may be conservative and your spouse may be aggressive. You may think that the best place to invest is stock market and your spouse may think bank FDs.

You should communicate your money management style to your spouse as well as you need to understand the money management style of your spouse. Both of you need to analyse the merits and demerits of money management style of each other and their own. Then you need to create a mutually agreed combined money management style.

This will be vital to you both throughout your married life to help minimize stress from disagreements about money.

Update Your Records:

Change of Address: You could have shifted to your in law’s place or both of you could have shifted to a new place. So you need to make necessary change of address requests to your bank accounts, demat accounts, mutual fund accounts and so on.
Change of Name: Generally the women change their initial or the last name after their marriage. This need to be updated in all the accounts.
Change of Nominee/Beneficiary: You may like to change the nominee to your spouse for the investments, accounts, insurance policies which you have taken before marriage.
Changes in Will: You also need to create a will if you have not created one so far. If you have already a will, then you need to revisit your will now.

Assign Financial Responsibilities:

You need to decide, who is going to take care of day to day money management i.e. paying bills, monitoring investments and the like.

Develop a Family Budget:

You need to create a workable budget for your family that gives extra money and life. This budget should take into account both of your income, the individual expenses and family expenses.

Create an Emergency Fund:

You need to accrue savings for some surprise situations like loss of job, break in job or sudden expenses like a major repair to your car or house. Generally the emergency fund needs to be in the range of 3 to 6 month of family expenses.

Insurance Coverage:

So far, you may not be having any dependents or less number of dependents. You could not have considered life insurance or take for a less coverage. This is the time to look at life insurance seriously. When I say life insurance, I am talking about only term insurance and not the ULIPs. Ulips have been rejected by the market for its heavy front loaded charges.

Debt Payoff Plan:

Suppose, if you are already on debt, you need to create a debt payoff plan. This plan will help you in getting out of debt and staying out of debt.

Spend Smarter and Save More:

Spending habits will be different from individual to individual. Both of you need to align your spending pattern and learn how to spend smarter and save more.

When both are working and not having kids yet is the stage you have more income, especially more disposable income. Couples need to be careful and avoid overspending and save as much as possible during this stage. This will ease you out when you have more expenses at the later stage of your life.

Set Combined Financial Goals:

Both of you need to spend some quality time discussing about the financial goals like buying a home, international vacation and the like. This is the right time to plan your retirement.

Chalk out a Financial Plan:

Once you have set the combined financial goals, then you need to chalk out a financial plan to achieve these goals. You need to take into account growth rate of your income, inflation on your expenses, time set to achieve various goals, rate of return expected from various investment options.

This is slightly a complicated procedure and this plan need to be reviewed periodically. That is why it is better to outsource it. You may seek assistance from a professional financial planner.

To financially succeed, it needs teamwork from both the partners. As a newly married couple, you have enough time and plenty of opportunity. I am sure that with this checklist and the guidance from financial planner, you will reach your life goals together.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners a firm that offers Financial Planning and Wealth Management. He can be reached at

How Should you invest in stock market after your retirement

How and Why Should you invest in Stock Markets Even After Your Retirement?

Inflation and Retirement:

Most Retirees feel great getting a bulk sum as provident fund and gratuity, and wish they knew a magician, who could spin their money 2 to 3 times in just 5 years, in addition to ensuring a regular return for their day to day expenses. It is true we all want it to keep up with the inflation rate in the market. I know of no such magicians, and it is practically not possible to multiply your money 2 to 3 times in just 5 years. But I definitely know of smart investment planning and investment advisors that could help you to beat inflation.

A step by step look at your considerations to come out with smart calculated investment decisions:

• Post-retirement, you know that you would no longer earn a regular income and would have to stay on your savings, provident fund, gratuity, and other benefits that have been given to you. You would definitely want more good returns on your investments, but your appetite for risk is low, for you would not want to lose your precious savings. So you would prefer to shift your portfolio of investment from risky ones to safer ones like fixed deposits in banks and good rated companies.

• However, your need for more income, capital gains to keep up with inflation, and rates of interest on fixed deposits decreasing each year may make you puzzled about coping up with the increased financial needs. You, as a senior citizen are lucky to be getting additional interest, however taxes leave you with not much more. However you are not prepared to subject your savings to the volatile bullish and bearish trends of the share market of over-confidence and pessimism.

• You retire at 60, considering 5% is the rate of inflation annually, with life span as 85, and spending Rs.20000 per month, you would require a retirement corpus of Rs.42,00,000 if the return rate was 8%, while you would require Rs.47,00,000 if the return rate was only 7%. I am sure you would invest smart, reducing your retirement corpus by 10.5% by just investing for 1% more return.

• It is true that stocks and shares gave an annual compounded return of 17 to 18% in the last 15 years, with long term stocks giving a compounded returns of about 15 to 18% annually. However, you have not appetite for risky and volatile investments, and may want to play safe with low or moderate risk to capital and in not putting all your eggs in one basket or to divide your risk.

• After your retirement you would do best to follow the advice of financial experts and invest no more than 10 to 20% of your retirement corpus in shares and stocks. A novice to the share market, or lack of time, inclination or shrewdness may not prove right to deal in the share market, and most financial advisors advice senior citizens to invest in mutual funds. These companies have experienced fund managers and researchers with in-depth knowledge of various industries and valuation principles and also offer diversified investment options in shares in companies, debt instruments and government securities.

• The choice of retirees should be to invest in big cap funds, funds investing in huge paid-up capital companies, while mid cap funds suit those who do not mind medium risk-taking. However small cap funds, invested mostly in start-up companies are to be avoided, being highly volatile in nature.

• Time plays a vital role in investment in mutual funds, and a good investment advisor would advice you appropriately. The best option for senior citizens would be to first invest a lump sum in a debt based funds that promise good, safe and regular return. This could be followed up by a systematic investment/transfer plan of investing or transferring through ECS regularly a fixed amount for units of a mutual fund. This definitely proves beneficial to take advantage of the volatility of the market, as buying different number of units each month helps to spread the risk also.

A Final Thought:

However your smart calculated investment choice of mutual funds requires evaluating every 3 to 6 months. This would help switching between mutual funds at the right time. My last but most important advice again especially to senior citizens is never go in for stock trading in a big way without proper knowledge and inclination and lose due to volatility of stock and share market.

The author is Ramalingam K, an MBA (Finance) and Certified Financial Planner. He is the Founder and Director of Holistic Investment Planners, a firm that offers Financial Planning and Wealth Management. He can be reached at

What is Phising Scam? Stay away and stay safe from such scams.

What is Phising Scam?

Phishing is a technique used by fraudulent individuals or groups by which they try to collect sensitive personal information from unsuspecting users by employing social engineering techniques. They send emails that appears exactly same as an email from a genuine Bank, or Income tax dept etc and the mail contains a link that points to the Phishing site which looks very similar to the Bank or IT Dept website.

Then they will ask the user to fill the personal information like User name, password, transaction password, pin etc. Once they get all these information, they will save these info in their database and use it to access your Bank account or Credit Card account and will go away with all your money.

Don't fall Pray to such Phishing Scams:

Why people fall pray to such Phishing scams?
Because the Phishing emails entice them saying that they can get some money by clicking the link provided. The text is very similar to message from a bank, credit card or Income Tax dept. But, if you are not expecting any money, why should you click such fraudulent links? No bank or credit card or Income Tax dept will send you money if you are not eligible for a refund. In case of refund, you must be aware of it well ahead.

Precautions to take while using internet to stay safe from Phishing scams

Here are few tips provided by HDFC bank. Folow these tips and stay away from such Phishing scams.
  • In case of doubt, do not click on any link provided in the e-mail.

  • Do not give any confidential information such as password, customer id, Credit/Debit Card number or PIN,CVV,DOB to any e-mail request, even if the request is from government authorities like Income Tax department or any Card Association company like VISA or Master Card.

  • Do not open unexpected e-mail attachments or instant message download links.

  • Always check the web address carefully before sharing any sensitive information.

  • For logging in, always type the website address on your web browser. For example if you want to login to HDFC bank website, type

  • Ensure that you have installed the latest anti-virus/ anti-spyware/ personal firewall/ security patches on your computer or high end mobile phones.

  • Use non-admin user ID for daily work on your computer.

  • Do not access NetBanking or make payments using your Credit/ Debit Card from shared or unprotected computers in public places, like cyber cafe or hotel rooms. 

  • Do not call and leave any personal or account details on any telephone system, voice message, e-mail or an SMS.

  • Do not transfer funds to or share your account details with, unknown/ non-validated source, luring you with commission, attractive offers.

Hope this information will be useful to you and will help you stay away from Phishing Scams and stay safe online. 

Real life example of Phishing Scams:

Recently one of my friend who is a Software Engineer in a Big MNC was about to fell in the Phishing scam. He almost filled all sensitive information like net banking login id, password, etc. But luckily he noticed the website link to be different and then closed the website thinking that it's a Scam website

It's a big shock to know that people with good technical knowledge and well acquainted with internet fall pray to Phishing Scams. Apply your common sense. No body will give you money without any genuine reason.

Share with your friends and family members to stay safe online. Don't ignore. Let's make internet a safe place. Post your valuable comments.

Aishwarya Rai Bachchan is first time pregnant for Abhishek Bachchan, she is in her Six month pregnancy.  Professional Bachchan Bahu is enjoying her pre motherhood phase at the same time completing her professional assignments (except Madhu Bhandarkar’s Heroine).

She is brand ambassador of LUX and recently did shooting for the Soap ad in Bankok. She proudly showed off her baby bump in the ad.  Wearing pink gown designed by Manish Malhotra she was glowing like a bulb and was full of energy. Her last Lux ad with her hubby Abhishek was an instant hit on television.

She reached on the shoot location on time, and after the packup to-be-momma  flew over to London with to-be-pappa Abhishek.

-K Himaanshu Shukla..

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Copyright © 2011 - ScrutinyByKHimaanshu

Shilpa Shetty shaves her hair, goes Bald for Desire

 Sizzling Shilpa Shetty is following Shabana, Nandita, Antara and Liza. Mrs. Azmi  and Nandita Das had done for Water, Antra will get rid of her locks for Amol Palekar's untitled movie. Super Model Lisa Ray has also done it.

Now it’s Shilpa Shetty Kundra’s turn to go bald in the Indo-Chinese project titled Desire– A Journey of a Woman .  The film is directed by a Malyalam movie director named R. Sarath.  Her look in the movie demanded a genuine de-glamorized look; she was too chicken to shave off her fine succulent and delicious hairs and has chosen prosthetic make-up which took for about three to four hours to get it done.

The movie is a love story between an Odissi dancer and a Chinese Man. They will start shooting soon.

Talented and Sexy Shilpa is busy learning the ‘tribhangi’ form of Odissi Dance, as the movie is about the life of an aspiring Odissi dancer.

We wish Shilpa Good look for The Desire..

-K Himaanshu Shukla..

Copyright © 2011 - ScrutinyByKHimaanshu

Aasiya Kazi pics from 'Dharampatni'

Photo Courtsey: Imagine TV

When Maharaja Virendra Singh felt embarrassed...

Santosh Shukla who is playing Maharaja Virendra Singh in Chandrakanta recently had a weird fan experience at Ahmadabad airport.

Santosh said, “When I landed at the airport a girl came up to me and hugged me so tightly, I was shocked for a moment.  I felt embarrassed because I am not good in handling such situations. She said that she is a huge fan of mine and wanted to be my Chandrakanta. I was speechless for 5 seconds, then I thanked her and tried to escape. But she kept on holding my hand and not letting me go. My friends Raja Chaudhary and Vindu Dara Singh come to the rescue.  They take her away from me after that I felt relieved.

Santosh don't act so innocently, I guess you very well know how to deal with crazy girls…

-K Himaanshu Shukla..

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Copyright © 2011 - ScrutinyByKHimaanshu

How to share a file publicly

How to share a file publicly with your friends, or team mates or blog readers?

There are many ways to share a file publicly. But there are many restrictions, or inconvenience while sharing. Even the users also face many difficulty in downloading the file you shared.

I found DropBox to be very useful tool if you want to share a file of any type, i.e. text, spread sheet, power point, executable, picture, image, audio or video.

How to share a file publicly through Dropbox:

1. Log in to your DropBox account. Open the Public folder.
2. Add the file to Public folder.
3. Right-click/control-click this file, then choose "Copy Public Link". This copies the Internet link to your file so that you can use the link address to share.

[Click on the image to enlarge]
Hope it is useful.


Forgiveness is probably the hardest thing we’ll ever attempt to do, but once we are able to let go the wrongs that have been done to us, it changes everything. My mom always says, forgiveness is one of the most beautiful expression of love, because it changes your relationship, your emotional makeup, your attitude and gives you a better life.

Most of the people believe that forgiving is a sign of weakness, but the fact is that it’s the sign of strength. You’re always a winner after forgiving, you don’t lose anything.  I called a few actors to find their views on forgiveness:

PUSHTIEE SHAKTI: For me forgiveness is bliss. It’s a door to peace and happiness. People say it’s very difficult, but I find it very easy. I forgive each and everyone who hurts me ‘unintentionally’. I don’t even remember when was the last time I forgave someone. When people ‘deliberately’ hurt me, I hurt them in such a way that they never ever dare to cross my path. I believe in forgiving but not forgetting.

GAURAV BAJAJ: Forgiving is a good job. It carries a lot of power and is like a blessing for a person who hurts you. I hardly get angry, and I take fraction of seconds to forgive. I don't believe in holding a grudge against anyone. I think if you want peace then you should know how to forgive.

PANCHI BORA For me forgiveness matters a lot and is very important tasks that need to be performed on regular basis. I said regular basis because every day so many people hurt you and you hurt so many people, so if you don’t forgive or seek forgiveness your life becomes stressful. Being a true capriconion I have an amazing memory of the tiniest detail so it is very difficult for me to forget, but I forgive easily.

SAMEER SONI: I believe in karma, what goes around comes around. When somebody cheats you, hurts you, then you must forgive and forget because God is watching and will punish him/her for their evil deeds. Mistakes happen and we also hurt others, so when somebody hurts me I forgive and move on. Why to hold grudges? Why to flatter anyone? Why to give importance to others?

ANUPRIYA KAPOOR: I have a very sensible reason for forgiveness. When we are wronged we can either respond by seeking revenge or we can forgive. I choose forgiveness; it allows me to move on. It’s like a gift which I always want to receive and give away. People who are very close to you mostly hurt the most and I cannot stay away from my family and friends so I forgive them. I feel satisfied when I forgive someone or seek forgiveness.

ADDITI GUPTA: It’s a human nature to do mistakes & when they do mistakes they regret, and when they regret they need forgiveness. But only a few people have guts to face the other person and say ‘Sorry’. When somebody hurts me & say ‘Sorry’ I forgive them but for me forgetting is not possible. I think even after forgiving a Black Space always remains in your heart. Every hurt teaches you a lesson, it’s good to forgive but when you forgot your giving another chance to the same person or to someone else to commit the same mistake again.

AASIYA KAZI: Like others I do believe in forgiveness. It vanquishes the pain and heals both the forgiver and the forgiven. At some point in our lives, we either have to forgive or get forgiven. I think it’s very easy to ask for forgiveness by saying 'I am sorry', but it’s very difficult to forgive others. I can forgive someone for a mistake or a deliberate hurt, but if that person repeats it again I teach him/her a good lesson.

RAKHI SAWANT: I love Jesus. Bible teaches us to love our enemies. Jesus’s plea from the cross shows-‘Father, forgive them, for they don’t know what they do’. I do the same when somebody hurts me and if by mistake I hurt anyone then I immediately say sorry, sorry bolne se mai choti nahi hoo jaaugi na. Recently I was hurt when Kangana Ranawut said,” I will not kiss Mika for promotion because I am not Rakhi Sawant”.  I was deeply hurt, I cried but then later I forgave her. I am innocent, though I am always misunderstood and ridiculed. I am happy because my Jesus is with me.

SHALINI ARORA: Forgiving somebody is giving him/her a 2nd chance to change and make things better. But at the same time it is hard to forget, I do not keep the score and hold grudges against anybody. For me it’s much easier to forgive an enemy than to forgive people I love.

DRASHTI DHAMI: I do believe in it, it’s a crucial act of self healing, and self-empowerment. Once we decide to forgive somebody, there is a tremendous feeling of wholeness in thought and courage all moving in the same direction creating a powerful force for healing.  When a friend hurt me I forgive them easily, but I usually don't give too much importance to strangers when they hurt me. I apologize and I always say "I'm sorry" when I hurt someone or if I make a mistake.

All the actors said that they do believe in forgiving, but a few believe in ‘Forgiving but not Forgetting’.  Just by saying I forgive you is not enough, tree of bitterness will die and forgiveness will bear a fruit only if the soil around it i.e. the soil of the heart is soft enough for the fruit to grow in.

-K Himaanshu Shukla..

Copyright © 2011 - ScrutinyByKHimaanshu
 As reported earlier the channel and production house have zeroed in on two options Karan Wahi and Kinshuk Mahajan to play new Anukalp in Ram Milaayi Jodi .

Now the latest buzz is that Karan Wahi is finalized to play the lead. He will start shooting from tomorrow.

Karan Wahi confirmed the news.

-K Himaanshu Shukla..

Copyright © 2011 - ScrutinyByKHimaanshu