VPI Pet Insurance: the best gift for your pets.

For ages pets are considered to be human's best friend. Petting is an idea which is not new and from the ancient period this practice is in wide use. The pet lovers will agree the fact that , animals posses an unique power to make the humans happy, help them during emergency and create a positive environment altogether. Often the parents of a single child prefer to keep a pet so that his/her child can play with it. Besides the psychologists are of the opinion that the selfish and self centered habits doesn't develop in a child if from childhood they learn to love Pets and play with them. Gradually over the period of time it has been understood that animals(both pets and wild) are very useful resource to the nature. Besides various non profit animal rights organizations have also showed us the value of pets and other animals. But what we are doing for their well being and security?

The answer to this is VPI or Veterinary Pet Insurance. Whenever the question of money matters or finance arises , it revolves around the humans. But its time to think for your pets. VPI is America's number1 pet insurance recommended by 94 % of the vets and it is the most important tool to protect your beloved and cute pet from serious diseases, lab tests, surgeries. Besides in the police and firefighting , dogs play an important role and their protection and health must be strongly taken care of and VPI is the most authentic option for it. 86 percent of veterinarians are of the opinion that they would like to see wider use of pet health insurance among the pet owners, agreeing it gives their clients peace of mind. Nearly half a million of pet owners of America enrolled with a Vet Insurance Policy which proves the credibility and authenticity of the policy. A survey tells that out of every 10 Vets ,9 recommends to buy a VPI.

So if you are a true pet lover and planning to do something for your pet apart from your own financial planning,then the best option would a Veterinary Pet Insurance as Pets are the prized posessions who will always love you selflessly.

Investing huge capital cannot just make you rich. It is just a matter of acting Smartly

In this fast paced world one dream is common to all, & that is “making money”, to become the richest person in the world. We all love to dream and especially when we are sitting idle many revolutionary ideas come to our mind & we think that we can really bring a change, create something unique .Everyone likes to think of the ideal state. But the next day if some investment banker calls us up and asks for an appointment to show us a really good investment plan, we turn him down because to most of the people investment is just a dream and they are not ready to accept that a systematic investment can really make them rich. We think that if we do not invest huge amount, we cannot gain high returns. Now here lies the purpose of the article to show you and motivate you about the fact that only attitude and smart thinking can really make a difference to your life. If for this purpose an example is to be set , then I think the biggest motivating example is a Living legend, known as Mr. Warren Edward Buffet. In this article you will get to know about his historical timeline, which will be enough to motivate you and pinch you to start right now.

Warren Buffett is an American, businessman, investor, and philanthropist. He is the world's most smartest yet simple life leading investors and the largest shareholder and CEO of Berkshire Hathaway. He is declared as the richest man in the world by Forbes with an estimated net worth of $62.0 billion.

His Historical Timeline

1943

At the age of 13 Warren filed his first income tax return, his bicycle and watch as a work expense for $35 for his work as newspaper delivery boy.

1945

At the age of 15 warren and one of his friends purchase a used pinball machine by just spending $25, which they placed in a barber shop. Within months, they owned three machines in different locations.

1950

At the age of 20 Warren applied for admission to Harvard Business School but was turned down. Buffett got admission in the Columbia Business School after learning that Benjamin Graham and David Dodd two well-known securities analysts, taught there.

1951

At 21 years of age Warren was graduated from Columbia and wanted to work on Wall Street, but his father and Ben Graham didn’t want him to do so. He purchased a Sinclair Texaco gas station as a side investment, but that venture did not work out as well .In the meanwhile he worked as a stockbroker.

1952

At the age of 22 Buffett married Susan Thompson.

1954

When Warren was 24 years old Benjamin Graham offered Buffett a job at his partnership with a starting salary of $12,000 a year. Here, he worked closely with Walter Schloss.

1956

When Warren was 26, Benjamin Graham decided to retire and close his partnership. But by then Warren’s personal savings has reached to $140,000. Buffett returned home to Omaha and created Buffett Partnership Ltd., an investment partnership

1957

At 27 Warren already built three partnerships operating the entire year.Buffett purchased a five-bedroom stucco house in Omaha for $31,500, in which he still lives,.

1959

At 29 Warren had six partnerships operating the entire year.

1960

At 30 Warren Buffet had seven partnerships operating the entire year.The partnerships were: Buffett Associates, Buffett Fund, Dacee, Emdee, Glenoff, Mo-Buff, and Underwood.

1962

At 32 Warren became a millionaire because his partnerships, in January 1962, had in excess of $7,178,500 of which over $1,025,000 belonged to him. He merged all partnerships into one partnership. He discovered a textile manufacturing firm, Berkshire Hathaway. Buffett's partnerships began purchasing shares at $7.60 per share.

1965

When Warren was 35 years of age, his partnerships aggressively began purchasing Berkshire; by paying $14.86 per share while the company had working capital (current assets minus current liabilities) of $19 per share. He took entire control of Berkshire Hathaway at the board meeting and named a new president, Ken Chace, to run the company.

1967

At the age of 37 Warren’s Berkshire paid out its first and only dividend of 10 cents.

1969

The age of 39 and the year proved to be very much successful; whenWarren liquidated the partnership and transferred their assets to his partners. Among the assets paid out were shares of Berkshire Hathaway.

1970

At 40 Warren as the chairman of Berkshire Hathaway, began writing his now-famous annual letters to shareholders.

1973

Berkshire began to acquire stock in the Washington Post Company. Buffett became close friends with Katharine Graham, who controlled the company and its flagship newspaper, and became a member of its board of directors.

1977

At 47 years of age, Warren indirectly purchased the Buffalo Evening News for $32.5 million. Antitrust charges started.

1979

When warren was 49 years,Berkshire began to acquire stock in ABC. With the stock trading at $290 per share, Warren’s net worth neared $140 million. However, he lived solely on his salary of $50,000 per year.Berkshire began the year trading at $775 per share, and ended at $1,310. Warren’s net worth reached $620 million, placing him on the Forbes 400 for the first time.

1987

Berkshire Hathaway purchased 12% stake in Salomon Inc., making it the largest shareholder and Warren Buffet the director.

1988

At 58 years, Warren Buffett began buying stock in Coca-Cola Company, eventually purchasing up to 7 percent of the company for $1.02 billion. It would turn out to be one of Berkshire's most lucrative investments, and one which it still holds.

1999

Warren was declared the top money manager of the twentieth century in a survey by the Carson Group.

2006

At the age of 75,Warren declared in June that he would give away 85% of Berkshire’s holdings to Bill and Melinda Gates Foundation

2007

In a letter to shareholders, Warren announced that he was looking for a younger successor, to look after his investment business. Buffet had previously selected Lou Simpson, who runs investments at Geico, to take up the responsibility. But, Simpson was only six years younger than Buffett.

2008

At the age of 77, Warren Buffet id declared as the richest person in the world, worth $62 billion, by Forbes, breaking the record of Bill Gates who was on the number 1 position for 15 consequent years.

After reading this you will be enough motivated to give up just thinking and will start doing. Smart moves can really make you rich.

Downsizing: a sedetive to kill the Financial pain.

In response to the present global financial crisis and the crisis faced by the US economy in over 80 years, CITI Group, a New york based financial giant has decided to cut 52000 jobs and it has been clearly and formally announced by the authorities on Monday.The main reason behind this drive is to recover the net loss of $20 billion, which the bank has incurred over the past few years. Another logic given by Mr Vikram Pandit,CEO,CITI Group is that the group is planning to implement a new restructuring policy followed by the job cut. It has also been seen by the authorities that the present job cut of around 52000 employees will reduce the cost upto 20%. According to sources, as of end of 2007 the CITI group had 375000 employees and as of september 30, it has 352000 employees. So the latest job cut will bring the total headcount to 300000. Earlier in April CITI Group decided to cut 17,000 jobs, shift 9,500 jobs to low cost locations, under pressure from the investors. The recent descision will affect the Europeon employees the most as CITI Group has its Europe headquarter in London with a total workforce of more than 10000 employees.The CITI Group Executives are under tremendous pressure from the investors to improve performance. The executives are of the opinion that this move will not really save the cost but will slow down the growth process. But it will still unknown that whether CITI Group will cut the jobs of top executives. Thus we can say that Win Bischoff, Chairman, CITI Group , will be spared. The worldwide situation is also same where countries like UK ,France,Japan, Hongkong,India are also facing the same problem as recession is crippling all of them. In a totality all the major Banking giants worldwide has already downsized jobs by 100000. Financial Organizations like Goldman Sachs has also started its downsizing programme by cutting 3200 jobs followed by Morgan Stanley who will cut jobs by 10%,Royal Bank of Scotland deciding to slash 3000 jobs. In Hong Kong ,HSBC has also slashed 450 jobs.The present Financial pain has engulfed the global market & corporates in such a way that the only option available to them is "Downsizing". No financial theories are working well on the situations,even experts have lost the direction to predict the positives.The only option available to deal with this situation is to just wait & watch with patience as only the upward movement of the global financial curve can improve the situation.