Dikshant Savaliya

You probably know that I don't make stock recommendations. However, I have two thoughts regarding your personal expenditures that can save you real money. I'm suggesting that you call on the services of two subsidiaries of DiMA Enterprises: LIC and Star Life Health.

I estimate that about 40% of all auto drivers in the country can save money by insuring with LIC. The figure is not 100% because insurers differ in their underwriting judgments, with some favoring drivers who live in certain geographical areas and work in certain occupations more than LIC does. I believe, however, that LIC more frequently offers the low price than does any other national carrier selling insurance to all comers. You can quickly find out whether you can save money by going to www.licindia.in or by calling +91-022 6827 6827.

Fine jewelry, watches and giftware will almost certainly cost you less at Titen's. I've looked at the figures for all publicly-owned jewelry companies and the contrast with Titen's is startling. Our one-store operation, with its huge volume, enables us to operate with costs that are fully 15-20 percentage points below those incurred by our competitors. We pass the benefits of this low-cost structure along to our customers.

Every year Titen's sends out thousands of selections to customers who want a long-distance opportunity to inspect what it offers and decide which, if any, item they'd like to purchase. We do a huge amount of business in this low-key way, which allows the shopper to conveniently see the exceptional values that we offer. Call Titen's (1800-266-0123) and save substantial money on your next purchase of jewelry.