V. Kumar

V. Kumar
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I am a free lance author who writes for the sake of expressing myself. I like to share what I know and learn from the experiences of anyone willing to share it.
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Recent pages by V. Kumar

Like most other African countries, Ghana too has a very rich cultural tradition that would fascinate any observer. This Gold Coast is mulitcentric and multiethnic society with colours and shades of humanity.
Borrowing from your 401 (k) Plan can be quite a temptation. However, before you actually take your money out, you must be aware of all the consequences. An informed decision is always a wise decision.
401 (k) Plans are a very important tool in your retirement planning, but before you decide the contribution you wish to make into such a plan, it is important that you understand and appreciate all the pros and cons of doing so.
There are many non qualified Retirement Plans available that may offer many benefits. Before you decide to choose own of them as your instrument for Retirement Planning, there are certain aspects of these Plans that you need to know.
Small business owners need to provide retirement benefit for their employees as well as take care of their own retirement planning. There are many plans that take care of their requirements, and also provide similar tax benefits as are available to employees of large corporations.
401 (k) Pension Plans provide an excellent opportunity of preparing yourself for life after retirement. However, to make the best of this opportunity and ensure that it fits with your overall financial planning you should know about some basic rules and steps to be taken by you at dif...
There can always be a temptation to borrow from your own 401(k) funds. However, it may not always be prudent to do so. Whether one should borrow or not depends upon many factors, but before that, one should be fully aware of all the pros and cons of the decision.
When it comes to securing your future by wisely investing in saving plans that can serve you during the later years of your life, there are two major alternatives that you can choose from. The first are the Pension Plans while the 401 (k) Plans provide the second alternative. You need...
If you are over 62 years, you might be eligible for social security retirement benefits. But before you attempt to get them there are certain procedures to be followed, and even before that, you need to make a choice between full benefits or partial ones.
Food Stamps are a very important means for ensuring minimum nutrition of poor households, but there are a number of restrictions placed on the way these Food Stamps can be used. The aim is to ensure the efficacy of this scheme. Whether it is the best way of administering Food Equity i...
One would have thought that water is the minimum that the mighty modern human society will be able to assure all human beings. Well, it is still not so. What is worse, is the fact that we are still deliberating as to whether water should be treated as a fundamental human right....
More money is not always welcome. When there is excessive surplus in the system, it can be a sign of something that is not exactly very healthy. To appreciate what it exactly represents, and why it may not always be welcome, read this...
Citizens derive their right of fair governance from the Government executives by virtue of the Administrative Law. To be able to protect their rights, it is essential that we should all understand what it means for us.
Zen Buddhism is an integral part of Japanese culture and social life even today, in spite of the fact that modern day Japanese people are not very religious. It is an example of how religious philosophies are not always about dogmas, rituals and fanaticism, and how instead, they can a...
Brazil and United States lead a group of countries taking to production of ethanol in a big way. However, the number of countries following them is rising very fast. Joining them and competing with them are China, India, France, European Union, Thailand and Colombia, while a few other...
During the first four hundred years of industrialization, it was all about machines, which gradually replaced the human labour. They were so important that humans were not even considered a resource. Not anymore. With information revolution, internet connectivity and the age of custom...
The world is fast turning into a single economic unit. In such a world, there is an increasing need felt for a single global currency. It is difficult to envisage a world of the future without a global currency, which will surely be a reality one day. Here are some ideas for designing...
The modern Social Security set-up that we witness today in the United States largely owes itself to the Social Security Act of 1935, which came as a response to the troubled times of great depression and was part of the ‘New Deal’ that was introduced by President Franklin D Roosev...
There has been a moderate increase in the amount of standard tax deduction available to the tax filers in the United States who do not wish to itemize their deductions. In times of rising unemployment and restricted earning opportunities, is the current regime of standard deduction re...
Asset bubbles are unsustainable rapid rise in prices of assets which are primarily a result of expectations about the future price rise of assets. The asset bubble 'busts' are an even more rapid fall in prices, which can seriously damage investors and economy and lead to crisis simila...
The discovery of antibiotics has been one of the most important reasons of fall in mortality rates. It was the effect of antibiotics and vaccines that actually raised the life expectancy, allowed people to have smaller families and in more ways than one, changed the way we live. It is...
In late eighteenth century, Adam smith came out with an analysis of market trends of production and consumption, wherein he concluded that the markets, if left alone, have an inherent potential of becoming efficient. It is as if there was an invisible hand that guides the market to a ...
As we break new barriers of genetic engineering, the inch closer to the day when we will be capable of genetically engineering humans – a prospect that would change the world that we live in for all times to come. We need to ask ourselves whether we really need that to happen.
So much is said about poverty and the need to eradicate it. The question is what is poverty ? In a city of billionaires, even a millionaire may be considered poor. Is our quest to make everyone rich actually rational ? Could this quest for a mirage be contributing to the destruction o...
Oral or mouth cancer is one of more common forms of cancer. Like other cancers, its cure and survival is also critically affected by an early and timely diagnosis. It is important that we are aware of its earliest signs, and are alerted by their presence, to seek further medical advic...
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