This is nothing new. An old concept but it is faster now to get the results; thanks to modern technology. The system works in your country, for that matter works all over the world. Anybody can join without any limitations of age, language etc. No need to answer any calls, and with very LOW investment. E


1. E-mail ID

2. PayPal Account

3. Five Dollars

4. Friends with e-mail id or use any mail marketing sites ( Given below)


1. We will provide Five PayPal id’s and as sixth yours

2. Send $1 each from No 1 to No 5 through your PayPal account

3. Delete the No.1 (Top) e-mail id

4. Add your e-mail id as No: 5 (Don’t forget to renumber the serial)

5. Send same mail with the new e-mail list (Which includes your email id at number five position) to your friends.

6. You may copy this mail or on request we can send you an editable version

As this is a complete legal program, you should write: “Please add me to your mailing list.” While you send the money. This request is important, you must include it with all your payments.”

Please do not send spam. That is the only thing that could harm this genius system! If possible use Gmail.

If you don’t want to take the trouble, we do it for you. We also send over 500 solo mails on your behalf FREE. Remit $5.00 to our PayPal Account:


Suppose, you sent the mail to 50 of your friends and 10% responds. i.e. 5 persons will send you $1 each and you get $5 in your account. These 5 persons will send to their 50 friends, i.e. a total of 250 mail and 10% of it is 25 and you get $25. It will multiply like that till your number comes First and Exit. According to our calculation, you should be getting approximate $5000/- (There are calculations showing over $70,000 but we would like to be more practical).

There are countless ways to reach several people and make them participate in this amazing program.


1.    FREE ADVERTISING FOR YOU ( 2000 Credits Free from our Account)



4.    PIF-43


I think Five Dollar does not really hurt anyone, but everyone in the list are paying forward for you.






6. Your PayPal id


If you don’t want to take the trouble, we do it for you. Remit 5 $ to our PayPal Account:  We also send over 500 solo emails on your behalf. Also you can download our e-Books Free

You may visit our site:

After sending to first five delete No.1 and you will become 5. Send to all your friends and one copy to us too. We will mail to 500 people on your behalf.




In ‘Do It Yourselves’ (DIY) the concept is to do it yourselves and Save Money.

One area that people try and save money is their accounting whether Personal, Home or Small Business.

Some argue that it is time consuming, make you hectic and above all ‘boring’ or you can do better things by not wasting your time on accounts. Let the professionals do it.

Here we need to consider two aspects: 1. Am I generating enough to pay a professional? 2. Do I get ‘control’ over my fund or business management?

First question can be answered by you only with a self- assessment. But for your home economics you don’t need a professional accountant, for sure.

Second: Control- Yes that is the key word. Whether you are doing a home or business accounting, what you gain is the first hand information on where do you stand financially.

If you are able to identify how much control you want over your business’s financial health, you’ll be able to determine whether or not you want to do your own bookkeeping.


It’s totally possible to do your own accounting, the tools are relatively basic and commonly available.

Tradeoff between the time spends doing own accounting and the cost of hiring a professional to do it is completely depending on your financial stability. If you think your time is worth more than paying to an accountant then hire one.

Beyond the monetary savings, there’s also the benefit of saving time.  Getting your receipts and accounts in shape is the bulk of the work behind accounting, and you’ll end up doing this whether you do the entries or hand your work off to someone else, particularly for small businesses.

There’s another advantage above any savings of time or money, and that’s the fact that doing your own business accounting gives you a hands on understanding of your finances. By balancing her own books, you will know where you stand with profit/ income and loss/ expense at any given moment, and can make quick decisions based on that information.


Here also we can find two schools. 1. Accounting is not my cup of Tea and I hate it.

Such people should realize that Accounting is the back bone of your life. If you are doing home (Family Finance) book keeping, it will help you to determine where you should put a break on spending. If you entrust your job to a professional book-keeper, what he can give you is only figures and not the ‘sense’ attached to it.

If you are doing, Business Accounting, Control can be effected in every aspect which can help you to make decisions of your own.

2. After all, ‘it is just counting isn’t it?’

Many think that accounting is only Counting. Yes, eventually it is counting. But, you are doing book-keeping, not to ‘sum up’ but to determine, how much you received, how much you spent and how much you made. Going deep, you would like to know in what all items you got more, where you made loss, where I spent more and finally how can I control it. In short, you are placing each item in each box and making a sub-total of each item and getting a final sum.

In earlier years, all book keeping was done manually. You must have seen large ledger books in all shops, offices and business establishments. A lots of people were employed and it was a tiresome job too. Hence many sought the help of an accountant, whether part-time or full time.

After the emergence of technology (Software) lots accounting packages came out which can be cut and stitched according to your needs. There are many good accounting packages available in Cyber Space such as Turbo Cash, Quick Books, Tally, Quicken, Waves etc. People also use Google Sheets and Excel for Data Entry purpose and have unlimited scope.

Out of the Accounting Packages mentioned above, we recommend you to download, Turbo Cash which is Completely Free  (Open Source). You may install it and try to go through.

  But, still people are reserved themselves from doing it by themselves due to lack of accounting knowledge. With the emergence of accounting software packages, it is easy now to keep your own book-keeping. Software completely obliterated the ‘Counting Process’. Now what left is to determine what eggs you have and place them in particular boxes. It can be learned easily with a little book-keeping knowledge and training.

Whether you use personal accounting software, software geared toward small business finances, or a basic spreadsheet program, there are plenty of resources online to learn how to make the most of these programs and how best to approach financial record keeping.

If you see that you need personal help and training, we provide. We teach you basics of Book-keeping and give training on Turbo Cash software.

It is $ 99 but NOW only $49.


Whether you’re a freelancer keeping track of your clients or a startup business trying to make the most of your time and money, managing your own accounting is a helpful soft skill to add to your toolkit.

Ps: You can download the blog for your future reading by clicking HERE.

What Happens to your Social Media Account When you Die?

By Vijoy M. Alexander

We are in a digital world and more and more people are joining the bandwagon on a daily basis. We keep active in Social Media to express your presence, feelings, grievances and happy moments in life. We fill our accounts with more and more personal information, like Photogrpahs, Videos which might be good for the time being but become hazardous once you loose control over it.

According to Forrester Research, 55.6 million adults in the United States have a social networking account with a site like Facebook, MySpace, Twitter or Google.  In Asian countries, the number is doubling.

According to reports in 2016, around 8000 Facebook users die daily, the equivalent of 428 every hour. In the first ten years of Facebook’s existence, 30 million users died — with 312,500 now reportedly passing away each month.In fact, if the social networking giant stops growing, more users will be dead than alive by 2065.

But have you ever thought what will happen to those accounts when you depart from this world? You may think 1. With my death, the account will cease operation 2. After a few months it will become dormant and has its own death, Both are fine- but what about the documents, pictures, and videos once you thought good to keep for your posterity? Or, on the other hand, that your family, friends or heirs may gain unwanted access to intimate records. 

In most countries’ legal systems, individuals have the right to decide what happens to their wealth and assets when they die. This is the long-established freedom to make a will and entrust your assets to whomever you wish.  This same freedom should extend online and enable individuals to decide what happens to their online ‘wealth’ ( personal data) when they die. Countries should bring law to make this effective, though a majority of the public still makes no Will foreseeing their death. 

The present social media giants are Facebook, Twitter, Instagram, Whatsapp, Microsoft ( Cloud) and Google ( Drive). Let us see what is the policy of these giants once you are ‘out of the picture’.


Facebook has a clear policy established a few years ago after they found that they have a large number of deceased accounts. Family members could choose one of two options: close the account — Facebook will delete an account permanently upon the family’s request ( Need to provide Death Certificate) — or converting the account into a memorial profile. But they will never provide login information to anybody other than the user whether the user is dead or alive. An online form is available to report the user’s demise.

After reviewing the account and find no activity for the past 3 or months, Facebook will convert the account into a Memorial. ( Deletion of the account is easy). Facebook removes sensitive information from the profile. This includes contact information and addresses. status updates to protect the privacy of the deceased user. Once it is done, only friends or relatives can access the account. This memorial page will not list while on a Search.

The company will also deactivate the user’s login information. This prevents anyone from guessing the user’s password and logging in to cause mischief.

One disadvantage is that, If no one contacts Facebook to alert the user’s death, his or her profile will remain active indefinitely. Facebook doesn’t delete inactive accounts without notification. Depending upon the user’s privacy settings, people will still be able to search and visit the profile and leave comments.

What you can do?

You can add a ‘legacy contact’ – someone you choose to look after your account if it’s memorialised. To add a legacy contact, go to your account’s general setting, select ‘settings’ and click ‘manage account.’ Type in a friend’s/ family member’s name and click ‘add’. and, click ‘send.’  Families can close or ‘memorialise’ accounts so certain features, like birthday reminders, no longer appear. Families can ask Facebook for access to some of the account’s content (but not private chats).


To deactivate a deceased person’s twitter account, an authorized person or a verified family member should contact Twitter for further action ( Requires a copy of ID from the person making the request and a copy of the death certificate.) Otherwise, Otherwise, the only other option is to leave the account as is. Twitter has no provision to memorialize any account like in Facebook. However, Twitter clearly states that it will not give access to a deceased user’s account regardless of his or hers relationship to the family member or friend requesting authorisation.


The Inactive Account Manager feature allows you to set a certain amount of time (3,6 or 9 months) you want Google to wait before considering you ‘inactive’. One month before that deadline, Google sends you an email alert or text message. If you still haven’t entered your account by then, Google will notify your ‘trusted contacts’ (you can list up to 10) and share your data with them if you have chosen to do so. Google uses several signals to figure out whether you’re still using your Google Account, such as last sign-ins, recent activity, usage of Gmail and Android check-ins. To set up the Inactive Account Manager, go to and click ‘setup’. 


instagram permits to keep an account belongs to a deceased person for memorialization. To report, Instagram’s Help Center must be contracted and proof of death ( Death Certificate, Obituary, or news). Posts of the deceased user will stay shared on the site and are visible to the people they were shared with, but memorialized accounts do not appear in public spaces like searches. A closure request can be made only by immediate family members.

France has adopted a Digital Republic Act 2016 where bequeath of Digital Wealth is possible. The use of software tools like in Google In Active Account Manager or Facebook Legacy Contact should solve the problem to a certain extend. However, it is your personal decision whether to transfer the digital wealth to your heirs, or keep as Memorial or give a slow death ( inactive) after you pass away from this beautiful earth.

Reference: Independent, Mail online, Sun,

For Similar Articles, Pictures, Videos and Shopping visit our site: Tourwaysintl

A Forbidden Island- Death of John Allen Chau (27)

The North Sentinel Island came into limelight after the recent killing of Mr. John Allen Chau, a 27-year-old from Alabama. It is a forbidden island where Mr. Chau tried to enter illegally, to preach Christianity.  The possibility of getting Mr. Chau’s body is very remote.

John Allen Chau A US Citizen killed in a tribal attack

The endangered Andaman tribes, known as Sentinelese,  living in isolation for more than 30,000 years from the world are very dangerous. North Sentinel Island is home to a pre-Neolithic tribe that is as vulnerable as they are mysterious.

North Sentinel Island is one of the islands grouped under Andaman Nicobar is a part of the territory of India. It is a forbidden, mysterious and dangerous place.

Contact with the endangered Andaman tribes living in isolation from the world is illegal because of the risks to them from outside disease. Estimates say the Sentinelese, who are totally cut off from civilization, numbers only between 50 and 150 now. They don’t even understand the use of the money. Their main defensive system is the use of  Bow and Arrow and Spears.

A tribe that has not yet discovered Fire

In 2017, the Indian government also said taking photographs or making videos of the neolithic tribe of Andaman tribes would be punishable with imprisonment of up to three years. (If they are lucky enough to return live). The Sentinelese are belligerent to outsiders and their policy is to kill anybody who approaches them with bow and arrow or spear. They are completely naked and ribbons or belts made out of plants wrap around their waste, possibly as an ornament.

Since they lack genetic immunity, and for the protection of both the tribes and outsiders, traveling within 3 Kilometers of the island is prohibited by law.

North Sentinel Island is about 20 sq miles and the Sentinelese are thought to have had no contact with surrounding communities since 1991. In 1960 a group of anthropologists with the help of armed guards made an effort to do field visits by giving Coconuts ( Though they love it; no coconut is grown in that island.) as gifts. But eventually, they had to abandon their venture. In 2006 two Indian fishermen who slept in their fishing boat carried away by waves to the shore, were killed. A rescue team to retrieve the bodies were sent by helicopter but had to return. The tribe fired hundreds and thousands of arrows at the helicopter. The tribe fired hundreds and thousands of arrows at the helicopter.

India Government recognized the North Sentinel Island as unofficially ‘ sovereign’, a left alone- non-interfering policy.

For more details WATCH the Video:

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Vijoy M Alexander

Many still think that blogging is for self-expression. Yes, they are not wrong; but not right too. Your interest may not be the same as your audience. People visit blogs for information and they trust you. Eventually, they buy what you recommend.

Blogging is not only to increase your hits and traffic. You might have noticed by this time that Traffic Exchanges gives hits ( A good Traffic Exchange gives on an average hit of 200 per thousand.) but the net results are even less than 20. But through a good blog, you can earn good results. Though I use traffic exchanges, my main campaign is through Web Search Engines.  A good blog always gives good and rich content according to the taste of a targeted audience.

If you are a good blogger you can make money too. There are a few ways to do it.

1. Selling Your Own Products

A product which you want to sell online should be tangible. Digital products like E-book, Photo, Art Print or Apparel. Customers always prefer to buy directly from you.  Perhaps the most obvious way to monetize a blog is to sell a product that your customers can buy directly from you. Once the product is ready, you can publicize in your blog and also try to put it through good e-commerce sites. You should have a PayPal or WordPress payment option.

2. Services:

There are certain services you can offer if you are an expert. For Eg: Photography, Web designing, Logo designing, Copy Writing, Content Writing etc. Selling of these services is same as selling a Product.

3. Affiliate Marketing:

Affiliate marketing is simple ( Not MLM); no product or services of your own is required. It is promoting other peoples’ product through your blog or other sites and receives a commission in return. You are given a personal link and an image link ( Eg. Banner or different sizes) to use promoting a product. Once your visitors click on these links they will be re-directed to the original seller’s site and when he makes a purchase you will get a commission.

You can place these links or banners in your blog on a sidebar or even within a content. You may visit my site Tourwaysintl. Most of the advertisements you see are where I am an affiliate and there are one or two my own products as well.

4. Advertising:

If your blog or website has above average views advertisers may approach you to place their product advertising.

Direct selling of advertising is rather difficult which depends on the design, views, and content. Instead, an advertising network.

Target your blog to certain segments such as, finance, health, diabetes, affiliate management, photography etc. Once your blog is accepted and people are satisfied your web view will be increased and advertisers will automatically approach you. Once you have the credibility, even you may be invited to co-author articles and books for which you will be paid.

Note that blogging is not a direct form of making money.

If you want to have a great blog, start writing; money and fame will follow.






Somewhere I read, ” Food is the gateway to learn about the culture of a place”. The international chain of fast foods or restaurants, will not give you the feel of the culture or taste of that country or place.  Street Food is one of those travel experiences one can find in cities and towns all around the world. It is convenient and cheap, and it will create far-reaching impacts on you. An advise to a bride goes like this” If you want to bring your husband to your side, cook good food for him.”

Street food is simple, delicious and gives an opportunity to sample some local cuisine. Evenings are the best time to have a stroll around the city/ town or village gully’s to get the best out of it. People may doubt its cleanliness and hygiene. But as long as the kiosk is crowded and the food is fast moving you can count on its dependability. Joining locals around the bustling little street stalls can open doors for memorable happy hours.

During a short visit to Sri Lanka, myself and my wife Mary, met a couple from Italy while having food in one evening from a street vendor. The couple gave us every detail of Tuscany and in the very next year, we landed over there. They told us not to miss tasting panino with prosciutto, salami or mortadella. Also porchettaro ( Roasted Pork).

The local cuisine is different from our regular food. Always make it a point to have your dinner in a local restaurant or from a street vendor. There you can mingle with local people, know more about them, listen to their music, and enjoy their local culture.

We love to go to villages rather than going to a city. When we visited Italy, we didn’t go to Rome, Vatican etc but spend most of our time in Tuscany and its surrounding villages. Even in the Czech Republic, we traveled deep into the villages and had a taste of locally cooked port knee. In Switzerland, we enjoyed the taste of Cheese fondue. Whether you’re a typical foodie or not, you may find that your search for great street food turned out to be among the best experiences of your trip.

You will find a variety of street foods more in Warmer countries. Local markets are best places to wander and you can taste different foods from stalls to stalls, both hot and cold. In some countries, experiencing street food means experiencing their culture as well.

If you are bored of eating the same things day in and day out, give these traditional breakfasts from Kerala a try. Travel and Leisure’ the leading travel magazine in the world has ranked Kerala’s traditional breakfast among the Best Breakfast in the World. The magazine has declared ‘Puttu ( Steamed rice powder) and Kadala’as the Best Breakfast dish in the world. Other combinations include Appan and Stew, Rise noodles, Dosa ( Pan Cakes made out of rice and dal) Idly, Kerala Parotta. All these are available in local restaurants. You may google and find the variety of street foods available in each country.

It always advisable to have a little study on how other people eat; i.e. some are with hands, some with spoon and fork, others with chopsticks. Otherwise, you will be a ‘showpiece’  and the food will go all around except in your mouth.

Once you know what to look for, pay attention to what locals eat and when, then you are on your way to successful, delicious meals that serve as experiences as well as dinner.

Today street food has become an art, a synonym for tradition, something both genuine and authentic.  It has become quickly one of the best ways to guarantee eating real local and traditional food, with local and fresh ingredients in a familiar and friendly atmosphere. It is a binocular to view the culture of a country, closely.

Visit our site:










by Vijoy Alexander

The ‘Missed Call’ phenomenon is a ‘Jugadi’ concept innovated and used mainly by Indians. The caller dial a number and when it rings once or twice he cuts the call; naturally, the person on the other end will call back; thus saves money by the caller. It is called Jugad.

Chotukool is a low-cost solution to preserving perishable foods for longer periods, mainly meant for villages who had never used a refrigerator before. Chotukool is the brainchild of Gopalan Sunderraman, Executive Vice President of Godrej & Boyce Manufacturing, a 100-year-old company based in Mumbai, India.  Chotukool is a 45-liter plastic container that can cool food to around 8 to 10 degrees on a 12-volt battery. Abandoning the compressor technology used in domestic fridges, it uses a thermoelectric or solid state cooling system. It does not have a front opening door but opens from the top to ensure that the maximum amount of cool air remains in the container when opened.  Chottucool the prestigious Golden Edison Awards. It is also a classic example of Jugadi.

View classic examples of Jugaad here

What is Jugadi?


Jugaad is a native Hindi word and which has become a buzzword all over the world and especially in management fields. It is the solution from out of the box thinking. It is the need of the hour, quick and using the locally available resources to fix the problems. ” Says a former Deputy Chief Engineer, Mr. Manoj Charantimath. He continues ” Developed countries have a routine and standard lifestyles with a set of solutions say X, Y, and Z and they use the best out of them. If any small problem arises in their lifestyles, they panic as they are not used to such problems. 

India is a developing country, every day one or the other person encounters typical problems. Solving the problems is part of their life. Different situations inspire ingenious solutions. To solve these problems one doesn’t need any special skills, big investments, in fact, the solutions are unplanned. They are intuitive and sixth sense solutions. It is a frugal innovation. They look very simple but very useful. “

According to Wikipedia ” Jugaad (alternatively Juggaar) is a colloquial Hindi (Devanagari: जुगाड़) and Punjabi word, which has various meanings depending on the situation. Roughly translated, jugaad is a “hack.”[1] It could also refer to an innovative fix or a simple workaround, a solution that bends the rules, or a resource that can be used in such a way. It is also often used to signify creativity: to make existing things work, or to create new things with meager resources.”. Recently, the word Jugaad is added to the Oxford Advanced Learners Dictionary too.

Jugad is a very raw innovative product or system invented for the immediate use. For example, a water bottle can be converted into a water spray.  Whether it involves broken belt buckles that have been replaced with forks, small chairs tied to the front of motorcycles to provide extra seating, or washing machines used to churn out the butter. Have you ever thought of fixing a cycle bell on your motorbike when the honk was not working? Examples of jugaad can be seen every day in India.

The world famous Dabbawallah of Mumbai is the prime example of Jugaad. The dabbawalas collect hot lunches in lunchbox from homes and restaurants and deliver to people at work in India. The empty boxes will be collected and returned to home before the worker reaches home. It is a network of over 5000 people delivering over 8 million lunches every year for the last 127 years. The error rate is 1 in 16 Million.

Around 8 million lunches are delivered every year by dabbawalas ( ) … And no better example of this intricate system shines through than in Mumbai. … process an efficient breeze for the last 127 years, feeding thousands daily.

Jugaad’s primitive version was an innovation out of situation especially for manipulation in one way or other. For example, empty mineral water bottles were used to refill ordinary water with a sealed cap and sold for a premium price.

Over the years the concept has changed from cunning to ingenious. The corporates and business schools refer the term ‘Jugaad’ as ‘ Crisis Management’ for ‘ Frugal Innovation’. In short, it is a ‘ make it with what you have to get it run.

The main problem with such innovations are it is not accepted widely and cannot be fitted to every situation. According to Rishikesha T Krishnan, a professor at IIM Bangalore, products made from jugaad do not count as innovation because they lack the ability to scale and do not fit with the aspirations of the mainstream Indian consumer.

But these small efforts can contribute to a larger innovation, at least one out of a thousand.


Reference Link:









This is nothing new. An old concept but it is faster now to get the results. The system works in your country, for that matter works all over the world, without any limitations of age, language etc. No need to answer any calls, and with very LOW investment. (If you Redeem your  Hotel Discount Certificate, Joining is FREE –



  1. E-mail ID
  2. PayPal Account
  3. Five Dollars
  4. Friends with e-mail id or use any mail marketing sites ( Given below)


  1. We will provide Five pPayPalid’s and as sixth yours
  2. Send $1 each from No 1 to No 5 through your PayPal account
  3. Delete the No.1 (Top) e-mail id
  4. Add your e-mail id as No: 5 (Don’t forget to renumber the serial)
  5. Send same mail with the new e-mail list (Which includes your email id at number five position) to your friends.

As this is a completely legal program, you should write: “Please add me to your mailing list.” While you send the money. This request is important, you must include it with all your payments.”

Please do not send spam. That is the only thing that could harm this genius system! If possible use Gmail.


Suppose, you sent the mail to 50 of your friends and 10% responds. i.e. 5 persons will send you $1 each and you get $5 in your account. These 5 persons will send to their 50 friends, i.e. a total of 250 mail and 10% of it is 25 and you get $25. It will multiply like that till your number comes First and Exit. According to our calculation, you should be getting approximate $5000/- (There are calculations showing over $70,000 but we would like to be more practical).


Send us $5 and we do everything for you.We will send the $1 each to 5 persons and insert your name as 5th person and send Solo Mails to over 500 people. You can also promote in your own way.



There are countless ways to reach several people and make them participate in this amazing program.


  4. PIF-43

I think Five Dollar does not really hurt anyone, but everyone in the list are paying forward for you.






By Vijoy Alexander


Money is an inevitable evil. Without that nobody can live; if you have less or more it can make havoc in your life.

The family is the foundation of human life. Forget about Adam and Eve, or the early families in the Bible like Abraham and Sarah. Let us come to the current scenario. When we were young our parents brought us up. We ate together, slept in the same house, shared with our siblings. A gala life. Never knew any pinch or the importance of money. As we grew we came to know the importance of money which plays in our everyday life. When money dominates naturally conflicts starts. Anything important can potentially start conflicts. When parents have more and enough money children will start fighting for it. On the other hand, if parents are penniless they end up in old age homes and there won’t be any trace of the children who enjoyed the fruits of their efforts and lives.  This is one of those unfortunate events that we all dislike when we hear it, but we see people do this time and time again.  So having money and not having money, both create conflicts in the family.

What are the solutions?

“Studies have shown that financial concerns are among the most common sources of disagreement for couples. And according to the 2014 APA Stress in America survey1, almost a third of adults with partners (31 percent) reported that money is a major source of conflict in their relationship. But money doesn’t have to be a wedge in your relationship. With practice, you and your partner can learn to talk about finances in a healthier, more satisfying way. ” commented in an article of American Psychological Association.

There are many suggestions by different people in various categories of life, but  here we mention a few which we feel as very important:

Create a Detailed Budget

A detailed budget and maintenance of daily accounts will be a practical solution. Budget means ‘ expected’ income and expenditure. Accounts are your daily expenses and income.  It is better you cross-check with your income with your budgetary income or expenses with budgetary expenses.

Set some Goals and Rules

Once you have your budget and accounts are there, it is easy to put some rules as well. For eg.

1.  Average daily expenses for the house including food should not exceed than $____ per day or week.

2. Take yourselves an allowance of $____ per month for personal expense, Transport, Coffee out etc. This applies to each adult individual. If hits on a ceiling, then that is it; no enhancement, no advance and no loans.

3. Separate budget should be prepared for Children’s education, sickness, extracurricular activities etc.

4. Also for House Loan, Car Loar, Personal Loan etc

5. If you are planning to buy a house or new car or go for a vacation, budgeting for it also will ease your finances. You need to find a way for its finance too.

6. Agree that any expenses more than, say $100 will be discussed prior to its execution, if not budgeted.

Set up a Contingency Fund

It is very important to have a contingency fund to face any unforeseen events, such as medical, loss of vehicle and its replacement, natural calamities, etc. When you budget a percentage of the total income should be transferred to this account regularly every month and it should be not be touched whatever the case may be. Later this fund can be converted to easily soluble  assets such as bonds, bank deposits etc

Finally, if your parents are living and even if they do not need any financial assistance, it is advisable to keep a percentage of your income for them also. Either you can add this amount to contingency fund or give them once in a while as a gift. They need your financial, physical and mental help in their old age.

Realize that these plans are not a perfect solution, but it will ease your tensions and worries and will help you to manage what you don’t agree.



By Vijoy Alexander

There is a place where death is afraid to visit very often. One in 3 makes over 90. Enjoy the life, that is their motto. They have the lowest rates of Cancer and dementia. Heart diseases, depression are not common while physically active into their old age. On an average the people here in this wonderful island live 10 years longer than in Europe and America.

I am talking about a small island in Greece called Ikaria. According to mythology, the island is named after Icarus, the young man in Greek mythology who flew too close to the sun using wax wings and plunged into the sea, close to Ikaria.  According to Wikipedia “It is one of the middle islands of the northern Aegean, 255.303 square kilometres (98.573 sq mi) in area with 102 miles (164 kilometres) of coastline and a population of 8,312 inhabitants. The topography is a contrast between verdant slopes and barren steep rocks. The island is mountainous for the most part. It is traversed by the Aetheras range, whose highest summit is 1,037 metres (3,402 feet). Most of its villages are nestled in the plains near the coast, with some in the mountains.” The island is about 30 miles away from Turkish Coast. There are direct flights from Athens to Ikaria though both sea and road transport are also convenient.
Ikaira Beach


Many has studied the reason for this long life of Ikarians. One of the studies by Dr. Christina Chrysohoou, a member of Ikaria studies under University of Athens and a cardiologist at the university found that the Ikarian diet featured a lot of beans and not much meat or refined sugar. The locals also feast on locally grown and wild greens, some of which contain 10 times more antioxidants than are found in red wine, as well as potatoes and goat’s milk. The Ikarians drink a lot of herb tea and small quantities of coffee; daily calorie consumption is not high. The island especially the villages are not affected by the westernised way of living. Dr. Chrysohoou says the Ikarian habit of taking afternoon naps may reduce the risk of heart disease by almost 40%.

Chrysohoou’s preliminary studies revealed that 80% of Ikarian males between the ages of 65 and 100 were still having sex. And, of those, a quarter did so with “good duration” and “achievement”. “We found that most males between 65 and 88 reported sexual activity, but after the age of 90, very few continued to have sex.”

Many in medical science believe that only 25% of your longevity is determined by your genetics. They think the other 75% comes down to how and where you live.

According to a local resident “We keep the old people with us. There is an old people’s home, but the only people there are those who have lost all their family. It would shame us to put an old person in a home. That’s the reason for longevity. “To have your family around you makes you feel stronger and more secure.”