Cheenu's Trouble & First Aid for Dog Bite

My pet Cheenu bit my neighbour yesterday. I was first upset on what happened, later I didnt want to waste time, so immediately I called the person inside my house and asked him to wash his hands with running water. The bite has been deep so it took some time for blood oozing to stop. I did apologize for the trouble that my pet has caused and asked him if I could help him in taking him to hospital.
My dog has been vaccinated completely and has proper immunization schedule, so at first my thought was if we get him a T.T injection that would probably be first step towards stopping infection. Later he came with me to the hospital and we met the doctor and as the wound was little deep, the doctor suggested for Rabipur injection.
The dosing will be for 3 days. 0th Day, 3rd Day and 7th Day.
For example if the dog bite is on 16th then you need to have 3 injections on
16th, 18th & 22nd of that month.
I also paid for the injection and doctor fees. My neighbour didnt want me to pay for it, but still I may not be able to share the pain that he is going through but atleast spare the cost for the trouble caused.
Een though you are comfortable with a dog, end of the day dog is a dog. You will never know how its mood unless you are his owner.
Beware of Dog!!!! always.

Pre Closure of Loans & Home Loan Gyan

One of my goals for 2010 is to become debt free.

Finally I was able achieve 70% of my goal for 2010. I preclosed one of my major loans (house loan) with all the outstanding prinicipal. This removes one loan from my debt list the remaining loans account only 30% more so they are all very short ones which I will close in the coming days.
The concept of taking a home loan to save your income tax is totally misleading one.
For example if you pay 7oK as interest towards your home loan then you may probably end up saving 30K from your tax. You can rather pay that 30K tax and still be able to save 40K of money.

On the contrary if you suddenly need some huge money but does have a periodic repayment capacity, then this is a good option.
Few things you need to be very sure
Learn about Amortization Schedule before you purchase your loan.
Make your budget tighter once you take a loan, dont spend the way you used to do it before you took the loan. Think you owe someone so much of money and live frugal.
Always set aside some money apart from your EMI to preclose the prinicipal.
Make atleast 5 principal prepayments in the first 4 years. This will reduce the interest portion greatly.
The moment you close your home loan, start using the EMI money for savings like RD, SIP, Pension Scheme, ELSS or for other investment options.

Live Life Debt Free!!! I can say this more loudly when close that other 30%