dear Senthil Kumar, your point is valid.. i never expect my children to look at me when i am old.. that is living with pride,and diginity. and it is a lesson to all to keep some amount saved for themselves when they are young espically the ones who r working in private sector.. AS SOMEONE HAS SUGGESTED.. PLEASE DO TAKE A PRINT OUT OF WHAT U HAVE WRITTEN.. ATLEAST AT THE AGE OF 70 U WILL PROVE THAT U WERE RIGHT