Dear Sir, I got married in the year 1990 and my first daughter was born in 1991 , second daughter in 1995 and my son was born in 2000. well i am in to textiles business and textiles industry got caught in to recession and losses from the year 1995 and onwards . I could not even continue even my Own L.I.C policies what to talk of Childrens' savings. I had to sell my prime properties in order to get rid of mounting debt. Please advice me as my daughters n son now are 14 , 10 and 5 years.I just have been able to get done for them L.I.C policies of Rs.50,000 each that too during 2002. I am much worried and need yr advice as circumstances never could make me do so. I can set aside now about Rs.10,000 per month max , for children. Please tell me how to go by keeping in view the present circumstances. I will wait for yr mail and kindly advice and manage my portfolio as I am ready to pay some annual fees to somebody who can guide me to secure my family's overall future & portfolio mangament concerning above stated real picture. Regards/ Vikram tele;098 963 51770