UDC Limited Departmental Examination Result announced

Staff Selection Commission has announced the result of U D Grade Limited Departmental Examination 2008 for selection in the Upper Division Clerks in different cadres. 172 candidates have been declared successful in the said examination. The service-wise break-up of the successful candidates is as under:-
Details of the result are available on the website: http://ssc.nic.in/ 869 candidates applied for the examination and 421 appeared in the exam held in October 2008.

Expert Advice On Savings,Spending &Investment

Budget your savings, not just expenses In our personal lives, we normally budget our expenses, but not our savings. That’s a mindset change that we need to bring about now. A budget is a plan for saving as well as spending. Here are a few quick tips that will help you maintain a budget and improve your cash flows. Spend less than you earn: Thinking anything to the contrary seems blasphemous, but try saying this to today’s youngsters. For a start, make an estimate of your monthly expenses, and ensure that you keep a maximum of two months’ expenses in the bank. Debit not Credit : An ex-colleague of mine once told me: “What you don’t have, you don’t spend.” If you did use only a debit card, you would not be able to swipe it for the new flat screen TV set you saw in the mall the last weekend. Budget your savings: Instead of starting with a list of expenses (and all seem almost unavoidable, if you have the funds, ensure that you target, say, 30% or 50% of your monthly earnings as savings. Then ensure that this is invested immediately. It may even be prudent not to use your salary account for expenditure; transfer just the amount you need to spend to the other account through which your debit card is linked. Review expenditure heads: There are certain unavoidable expenses such as house rent, school fees, electricity bills. Then there are some which can be controlled like telephone bills, eating out and gifts. One of my clients actually has separate envelopes for eating out, petrol expenses and the like. If the family falls short on an eating-out budget, it goes to a South Indian fast food joint instead of the boutique Italian restaurant. Don’t over-speculate: At the other end of the spectrum, there could be some of you who want to make every rupee earn the maximum it can. This obviously means a lots more risk, and the possibility of losses. Take the example of an individual taking home Rs 30,000 per month, but spending Rs 25,000 per month. Instead of trying to invest the net savings of Rs 5,000 per month aggressively, this individual would get a 50% return by cutting his expenditure by only 10% (Rs 2,500 per month). source:Economic Times

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