You have written the article on the upper middle class. What about the lower middle class? did any one give a thought? after paying the loan and at the end of the month we have zero balance in bank account. We took the home loan four years back of Rs. 3,32,000/- after paying the loan for so many years, I still have to pay 3,16,000/- and the EMI raised from 3150/- to 3560/-. No doubt the crime rate is raising....Hail the government....and the politicians...we are homeless yet again..