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To my utter surprise, I noticed the board of HDFC Bank in one ATM, which had been designated for Centurian Bank. When I inquired, I came to know that HDFC Bank Ltd, one of the leading private bank in India has taken over Centurian Bank.

It has become quiet and old story now that Standard Chartered Bank has acquired American Express Bank. Its worth mentionable that Standard Chartered Bank (SCB) and Standard Chartered Grindlays (SCG) Bank had been merged perhaps 7 or 8 years back.

Among the major cellular operator Command had turned to Hutch a decade back and off late it has become Vodafone. The history witnessed merger of two premier brands in the world of Computer Hardware much earlier. Being Indian, we feel proud of TATA, when they take over foreign leading car manufacturing companies.

This is true that globalization has opened up the world for everybody and has converted the entire world as competitors of yours. We admit that modern business look out prefers mergers, collaborations, acquirement as a part of its business endeavor, where diversification and encroachment are professionally admired.

We also agree that professionalism hardly become compatible with emotions and corporates are NOT at all liable for social welfare, but what really happens to middle class management of the acquired company?

Everybody has the right to dream of a real estate in Midtown East of New York City in US, but just for information, even a small two bedroom apartment might cost 25 million dollars!

Even if we come down to earth, there is a wide scope of selection of location, whenever one is deciding to go for real estate investment.

Let us try to discuss the common determining factors, which may help one in taking one of the most important decisions of life. As most of the professionals of today are in service, the distance of the workplace from the residence and the available mode of conveyance play an important role in determining the location for the desired real estate.

A very generic tip, if the cost of commuting journey to and from the office becomes very high, then perhaps the person needs to think twice about the location. It should not be penny wise and pound foolish.

Though mostly available, still one needs to find out the availability of schools and other educational institutes in the vicinity. The concept of shopping malls and the aggressive marketing strategy of the competitive world in general have been able to penetrate remote areas; still one should check the availability.

The medical facilities, police station, the presence of recreation options, clubs etc are of prime considerations. One should not forget to check whether the area is prone to water logging or earthquake.

Never forget that a real estate should not be counted only in terms of its present value, but also the resale value has to be accounted for.

So, exercise your options!

Any real estate incurs and additional pressure on your financial health, which demands optimization of your financial planning to achieve your dream real estate.

The cherished desire of a human being to opt for a better living has always been hindered by one major factor – the earning or the balance between the earning and expenses.

If one wants to dream of selecting cars by colors then either the income should climb up by more than 40% every year or the house-to-income ratio should be cut down to a lesser amount than 28%, which is the normal figure.

If income hike is possible at this prevalent rate, then no one needs to worry; the problem comes when in most cases it does not happen. When one has to cut down the expense part, a lot of ifs and buts arise.

The foremost part of any financial planning is to estimate the cost, which you incur every month for your day-to-day expense. It may be boring, even tedious, but it is worthy compared to fulfillment of your dream. The World Health Organization reports a considerable increment of life span of human beings, which is heading towards 80.

The increased life span gives you a wider time span to generate new dreams and to fulfill your existing dreams also.

Categorize your cost like general (Food, Clothing, Child Care, travel, Entertainment, Medical, Gift etc.), Debts (Educational/ Personal/ Retail/ Consumers loans), Housing and Transportations and then try to find out pitfalls and then remove them.