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Showing posts from June, 2013

How should I invest a lump-sum amount

The "lump-sum" may mean different amounts to different people. Even for the same person, the "lump-sum" can mean different amounts according to his life stage. These kind of lump-sum amounts are parked mostly for shorter term with a particular goal in mind. The goal can be anything from Buying a car, House, Children's education, marriage, retirement etc., The tenure is important to be identified before considering the investment avenues. Also, the importance of reaching the goal on time also should be considered.  Let us assume, Raj is looking for investing 10L in some investment avenue for best returns in 2-years time frame. He expects the best returns possible during this period. What should he do? The options for him may be., (1) Direct Stock investment (2) Mutual funds (3) Post Office savings schemes (4) FD (5) Purchasing land (6) Corporate bonds/debts (7) Insurance linked Annuity-plan (8) Chit funds (9) Multi-Level Marketing (...

U.S. Consulate B1 Visa experience in Chennai

Most of them would have seen a ever-standing long queue near Gemini Bridge in Chennai. You can see the location of U.S.Consulate through this map  http://goo.gl/4t4Z2  . There are different kind of Visa(s) that you can apply to reach U.S. For quick reference, please refer to the below F.A.Qs Why do I need Visa? Most foreign countries require approved Visas for the people from other countries to visit their country. The norms vary from country to country. This U.S. Consulate is responsible for issuing Visas for people visiting "The United States of America" only. Can I apply for any Visa here? The Visa interview happens here. For application and other such details refer to  http://www.ustraveldocs.com/in/index.html  . The visa interview for all the type of Visa for U.S. happens here. The usual schedule now is to record your finger-prints in  OFC  and visa interview in the U.S. consulate on the next day. I had the OFC (offsite Facilitation...