Saturday, December 19, 2009


2010 Enlisted Pay Chart :
2010 Officer Pay Chart :
2010 Enlisted Reserve/Guard Drill Pay Chart :
2010 Officer Reserve/Guard Military Drill Pay Chart :

The full Senate On July 23, 2009 passed the National Defense Authorization Act for Fiscal Year 2010 which states, "Increase in Basic Pay- Effective on January 1, 2010, the rates of monthly basic pay for members of the uniformed services are increased by 3.4 percent."

On July 30, 2009 the U.S. House of Representatives approved a similar fiscal 2010 defense spending bill which also includes a 3.4% increase of military base pay for 2010. The 2010 pay raise amount, as a point of interest, effects those enlisted personnel who will hit the 30 year high year tenure (HYT) mark as those members are the last to have joined under the "final pay" retirement system

2010 US Military Basic Pay Charts Details :

2010 Enlisted Pay Chart :
2010 Officer Pay Chart :
2010 Enlisted Reserve/Guard Drill Pay Chart :
2010 Officer Reserve/Guard Military Drill Pay Chart :

The full Senate On July 23, 2009 passed the National Defense Authorization Act for Fiscal Year 2010 which states, "Increase in Basic Pay- Effective on January 1, 2010, the rates of monthly basic pay for members of the uniformed services are increased by 3.4 percent."

On July 30, 2009 the U.S. House of Representatives approved a similar fiscal 2010 defense spending bill which also includes a 3.4% increase of military base pay for 2010. The 2010 pay raise amount, as a point of interest, effects those enlisted personnel who will hit the 30 year high year tenure (HYT) mark as those members are the last to have joined under the "final pay" retirement system.

Basic Allowance for Housing (BAH) - BAH is paid to uniformed service members to provide housing compensation based on pay grade, zip code, and dependency status. Housing allowance is payable when government quarters are not provided or when temporarily residing in barracks.
view current BAH rates here : LINK

Basic Allowance for Subsistence (BAS)- BAS is a rate based on the service member only and is not intended to cover spouses and/or family members’ food/subsistance costs. As of January 1, 2009, all enlisted military members in a proper status draw a full BAS monthly rate of $323.87 and $223.04 for Officers. Service members who draw BAS are required to pay for their own meals, even if provided by the government.
here for : 2009 military pay

Cost of Living Allowance (COLA) - COLA is a cash allowance intended to compensate for high cost of living areas. COLA is not assigned to areas where the cost of living is less than of meets the average of that in the United Sates. A service member must be permanently assigned to the area to receive COLA.

Family Separation Allowance (FSA) - All pay grades, $250.00. FSA provides compensation for added expenses incurred because of an enforced family separation. FSA is payable to qualified members serving inside or outside the United States.

Monday, December 14, 2009

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USA Insurance


Insurance in USA

The total premiums of the United States have reached at US $ 1,055,498 millions among which the premiums from life insurance were at US $ 480,919 millions and from non-life insurance were at US $ 574,579 millions, according to the U.S. Central Intelligence Agency, (economic/demo-graphic data) 2003.

The total assets of life insurance companies have grown at an average annual rate of 12 percent from 2002 to 2004, rebounding from slower growth of 3 percent from 2000 to 2002. Companies like MetLife, Prudential Financial, New York Life Insurance and others deal with the life and Health Insurances of the country.

Among other types of the insurances of the country Travel Insurance, Auto Insurances have a high demand. The Auto Insurance follows Liability coverage, Bodily Injury Coverage, Property damagecoverage, Medical payment coverage, Personal Injury Protection (PIP), Uninsured Motorist coverage and collision coverage.


  1. To increase your loan eligibility, combine your income with that of your spouse, children or parents
  2. Always negotiate - the first home loan interest rate quoted is never the final rate
  3. Before paying the loan processing fee request lender for preliminary check on the property 
  4. Buy Loan Protector Life Insurance - ensure your family can use the house if you are not alive 
  5. Immediate disbursement get best rates – talk to home loan providers when you are close to finalizing your property

Benefits aside, most of us still have to grapple with the fine print of a loan agreement.
A home loan helps you reduce your tax burden besides offering the pleasure of owning a house and living in it.


Increasing your loan eligibility


How to get the best rate for your loan


Can one get both exemption of HRA as well as deduction of interest payable on the home loan?


Funding your down payment requirement




In addition to above i would suggest some more way to save tax
BORROWERS INSURANCE ATTACHED TO HOME LOAN
1 some of the home loan company offer borrower insurance under which if borrower died no further payment of emi is taken from the survivors so it is a good insurance devise also. Suppose a borrower take loan of rs 10.00 lacs and after one year he died then rest of the loan woudl woudl be paid by the insurance companies. And survivors woudl be entitled for without encumberance home.
Maximum your tenure
Every assessee should take maximum tenure of loan. As such EMI would be less with .5% higher interest burden. He should deposit the differential [ EMI ON SHORT TENURE-EMI ON LOGEST TENURE ] with PPF. As the interest earned on PPF is same 8% but home loan interest is tax deductible so effective rate is less
For example if home loan interest rate is 8.5% and rate of Tax is 30% then effective rate comes to 8.5%-30% of 8.5% being tax saving

If the assess deposit the excess with PPF then after fifteen year he withdraw the money and repay his home loan he would be saving a lot

Further, with longest tenure his interest components will be more then Capital repayment comp


Price Watch

Pricewatch is unique one, they are the only broker in the UK that compares its own prices to the whole market to ensure that customers get the best possible rates.


  • Flexible Instalment Plans – Pay monthly for your car insurance
  • Competitive Premiums – Compare motor insurance quotes from leading UK insurers to save you money
  • Legal Cover Included – Our policies include legal as standard
  • Young Driver Motor Insurance – We specialise in cheaper car insurance for young drivers.

1st way:

 Earn a Low Mileage Discount

2nd way:

Drive a Hybrid


3rd way:

go with $600 or $9,000 Deductibles


4th way:

Buy Gap Insurance


5th way:

Protect Your Credit


6th way:

 Earn Renewal Discounts


7th way:

 Insure Your Home and Auto Wisely



Get Real, Competing Car Insurance Quotes From 15 Top-Rated Carriers. Progressive Insurance The Hartford Travelers Insurance Liberty Mutual Insurance Safeco



Here is a list of Top 10 Best Car Insurance Companies
1) Esurance
2) Geico  
3) Allstate
4)  AAA
5) 21st Century Insurance
6) State Farm
7) Progressive
8) Liberty Mutual
9) Nationwide 
10) American Family

Sunday, December 13, 2009

Basically, the purpose of all insurance is to protect yourself or your family against the financial impact of a tragedy


The advantage of going to an agent is that an honest and competent one can review your situation and make suggestions. The advantage of going on your own is that you usually pay less for the same amount of insurance


Types of Insurances:


LIFE INSURANCE


AUTO INSURANCE


HOMEOWNERS' INSURANCE


APPLIANCE PROTECTION INSURANCE


HEALTH INSURANCE

Any light motor vehicle used for social, domestic and pleasure purposes and for the insurer's business.


1(a). Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act. 1(b). Riot and strike; terrorism; earthquake; flood, cyclone and inundation 1(c). whilst in transit by rail, road, air, elevator, lift. Perils under 1(b) can be deleted and a discount in premium availed. 2. Liability for third party injury/death, third party property and liability to paid driver. 3. On payment of appropriate additional premium, loss/damage to electrical/electronic accessories, PA cover for drivers, insured or any named person, unnamed passengers can also be taken. 4. Certain discounts in premia are also available.




Act Liability

  1. Death or bodily injury to third parties 
  2. Death or bodily injury to any person carried in the car provided they are not insured Employees and not carried for hire or reward
  3. Liability to paid driver - As per W. C. Act
  4. All costs and expenses incurred with company's written consent
f) In case of death of the Insured/any person entitled to indemnity for a liability incurred under this Policy,his personal representative will be indemnified ,as in the case of insured,if he observes all conditions as the insured himself.

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MIC Electronics has bagged a order worth RS18 mn from Western and Southern Railways from WIZCRAFT.


The company has trail orders worth Rs22.5mn received from Industrial houses and FMCG company for supply of LED Luminaries of 60 W to 120 W and few more in pipe line from industrial houses for LED Luminaries.


MIC Electronics Ltd has announced the installation of True Colour LED Video Display Systems for passenger Information at Hubli, South Western Railway, order worth Rs. 13.3mn

MIC Electronics Ltd has announced that the Register of Members & Share Transfer Books of the Company will remain closed from December 25, 2009 to December 30, 2009 (both days inclusive) for the purpose of Payment of Dividend & 21st Annual General Meeting (AGM) of the Company to be held on December 30, 2009.

The stock was trading at Rs.40.85, up by Rs.0.65 or 1.62%. The stock hit an intraday high of Rs.41.30 and low of Rs.40.30.

The total traded quantity was 153127 compared to 2 week average of 175875.


Mahindra Satyam, once Satyam Computer that was embroiled in the country's biggest ever corporate fraud, is now promising to help enterprises meet challenges.
Having seen its ownership going to the Mahindra Group after the fraud perpetuated by its founder and former chief Ramalinga Raju, Satyam Computer has also changed its name to Mahindra Satyam or M-Sat.
Continuing with the transformation process, the company late last week also revamped its website, which now boasts of a new theme --Unlock Enterprise Potential -- about its approach to customers.

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