Welcome to the 11th edition of Carnival of Indian Personal Finance Blogs. The carnival is our effort to reach out to veteran and contemporary bloggers in the personal finance domain and to bring them on a common platform so that our readers can get a concise view of the happenings in the personal finance blogging community. The warm response from the blogging community encourages us to bring out more editions of the carnival. RupeeTimes would be glad to receive suggestions and feedback from readers. Take a look at the earlier editions of the carnival.

Let us take this journey forward. For the past few years, the stock market's performance has worried the investor. This has led people to think about making investments in such plans and schemes which are safe rather than those which provide high returns. To solve this dilemma noted blogger Manshu provides us with a list of 10 safe investments in India in his blog OneMint.com.

Talking of investments, sometimes companies create hype around their schemes. Influenced by these sensations, an investor gets mislead and he forgets his long term investments motives to invest in these hyped schemes which are not as successful as they are promised to be. Ramalingam K has a good post which deals with the role of short term sensations in long term investments.

With the series of cuts in home loan rates by major public sector banks, everybody wants to know whether the home loan rates will come down further or continue to remain as it is. MoneyIvy blog has a nice post explaining this trend and its implications for the borrowers.

Health Insurance industry is developing in leaps and bounds in the country. On one hand, as awareness is getting created about its benefits, the companies are coming up with more innovative health insurance policies. But, on the other hand, only a handful of them cater to the elderly. Manshu gives the reader an insight into senior citizens health insurance options in his post.

Chirag educates the reader about ICICI bank's initiative of putting customer's convenience first by introducing electronic branches across India and also launching the concept of Tab banking in his blog squamble.com.

ICICI bank's Prudential SmartKid Child Plan is an insurance product which acts as a fund to finance a child's college education needs. The advertisement of the product is quite appealing but, does the product really fulfill the requirements of this segment. Blogger Hemant Beniwal does a review of ICICI Prudential SmartKid Child Plan:Smart Kid or Smart Ad and decodes its benefits and limitations elaborately in his blog the financial litrates.