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BEST FIVE WAYS TO SAVE MONEY

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BEST FIVE WAYS TO SAVE MONEY
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BEST FIVE WAYS TO SAVE MONEY :

Money, in this pandemic, became the most important part to survive and now the hike in price made it much more difficult to survive without money. Apart from this, we need some extra savings for vacation, for our dream- needs which are yet to be fulfilled, for birthday or anniversary parties and most importantly in case of emergencies, money is required. The below are the following ways through which we can save money :

1. SAVINGS @ HOME :

This is probably the best way mito save money and it can be used as and how it is required. Keep a piggy bank at home for all the members in the family and invest a small amount in all the piggy banks at the beginning of the month. As the month goes on, there will be a big amount at the end of month and a good income at the end of each year without paying any tax or TDS. Every big amount needs a small investment of income to start. Home investment is tax free, no TDS and the main is, the whole income is received in our hand.

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EVERY PENNY COUNTS :

Many people often ignore the coins in order to save the notes, but for me, as I believe I say every penny counts. I did this personally, so I’m saying it officially – keep a piggy bank which only counts the coins in the house and not the notes. The savings of each penny / coin will be in hundreds at the end of each month.

2. RECURRING DEPOSIT (RD) SCHEME:

Another way to invest is invest in small amounts and get a big amount at the end. The rate of interest provided by the post office for the RD Scheme is 5.8 % with a minimum amount of investment of Rs.100/ month and the best part is the rate of interest is calculated as compound interest basis for every quarterly. RD can be done in terms of years like 3/5years or any number of years, as per our wish. We can even break our RD and withdraw the amount anytime, not like the other TD schemes. The rate of interest might look a bit low, but the advantage is that the interest is calculated on a compound interest basis. And remember one thing, Every big amount starts with a small investment only. So, this is always one best way to receive a huge amount.

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SUKANYA SAMRIDDHI YOJANA (SSY) / PUBLIC PROVIDENT FUND (PPF) :

Both these schemes are more or less the same. While SUKANYA SAMRIDDHI YOJANA (SSY) are made for girls and PUBLIC PROVIDENT FUND (PPF) can be made for any of the family members. Choosing between Sukanya Samriddhi Account and Public Provident Fund is a settlement between flexibility and higher returns. PPF offers more flexibility and SSA gives higher returns. Both Sukanya Samriddhi Yojana (SSY) and Public Provident Fund (PPF) are one of the high yielding Government of India (GoI)-backed investment instruments. According to tax and investment experts, both options have a lock in period but PPF interest rate is 7.1 percent while SSY interest rate is 7.6 per cent – 0.5 per cent higher than PPF account’s current annual yield the interest is calculated on a compound interest basis. If an investor starts investing immediately after the birth of its girl child, then SSY is always better suited because he will be able to invest in the Sukanya Samriddhi account till his child turns 14 years. But, if the investor is late in beginning the investment, then the principal accumulation will go down in the account as one can’t invest beyond 14 years of its girl child. As far as PPF is concerned, it is always suited best as it allows any investor to invest till its maturity of 15 years.

Parameter PPF SSY
Interest rate 7.10% 7.60%
Eligible age 15 Years Birth
Min. Deposit Rs.500 Rs.250
Max. Deposit Rs 1,50,000 Rs1,50,000
Tax Benefit Rs.1,50,000 Rs.1,50,000
Tenure 15 years 21 years
Premature After 5 financial After the
Withdrawal years age of 18
Nomination Available Not Available
Facility
Loan Facility Available Not Available

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LIFE INSURANCE CORPORATION ( LIC) POLICY :

Insurance policies are designed and structured in a way, so that we can financially secure ourselves and our family against
accidents, losses and death. Insurance policies are the best investment option for protection and investment and LIC offers the best life insurance plans. LIC’s JEEVAN UMANG – whole life insurance, LIC JEEVAN AMAR – term insurance plan, LIC MONEY BACK – money back policy, LIC JEEVAN ANAND – endowment plan, are few of the best investment policies.

CHOOSING NEEDS OVER DESIRES :

Now this may be a great barrier for a lot of people to choose needs over desires. Yes, we have to select what our needs are and we have to stop investing in our desires, at least not choosing desires every time. What will happen, if we don’t go out in Starbucks or Cafe coffee day to have a coffee with our friends, if you don’t go out to a restaurant for every weekend, if we don’t celebrate the birthdays or anniversaries by giving a big fat party and if we celebrate it with our family. In short, if we control our desires
all our needs will be fulfilled.

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FEW MORE OTHER WAYS TO SAVE MONEY :

1. Gold is always the best option for investment. If you have a lump sum amount to invest and by investing that amount your monthly expenses are not getting disturbed, then gold is the best option to go for investment.
2. If you have knowledge about shares, mutual funds, digital currencies and IPO’s and if you are convinced to take risk for the invested money, then you can select this option of investing your money in shares, digital currencies, IPO’s and mutual funds. This is an option which is like investing your money at your own risk.

Apart from this, there are many other ways like where we can invest our amount – in bonds, certificates, real estates, fixed deposits, term deposit, property purchasing. Few investments will give high returns and few investments will give low returns. Few are at risk
and few are risk-free. So, always check the terms and conditions before selecting any option for investing an amount because every penny counts and lots of penny’s make a bundle of notes.

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Articles

HOW LIFE WITHOUT ENTERTAINMENT WOULD BE

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LIFE WITHOUT ENTERTAINMENT

We all have wondered what life would be like without gadgets or wealth,( life without entertainment) but have you ever considered what life without entertainment ?. Probably, it would be as boring as watching a dry painting. I guess you won’t ever know if you never had a time in life without entertainment.

If we would ever imagined your life without entertainment, that means we don’t have cell phones but just traditional phones. Present day’s cell phones have become the main source of entertainment since the 2000’s. As a daily habit, even a teenager is using a cell phone and social media apps like Facebook, Instagram, Snapchat and many more to fill their free time. Without these , teenagers would’ve been freaked out and become miserable without such sources of fun from technology. And without these cell phones , MP3 players, laptops, headphones, books, TVs or even VRs would not exist.

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If we do not have these technology, we would not know how to spend our leisure time. If we live without entertainment, we would be able to go to amusement parks or circus and also to book stores, have tours at the beach, and can never have parties, which can lead to a very dull life.

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ESPORTS – A NEW WORLD

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ESPORTS

Esports is also known as electronic sports is a form of gaming and competition of video games. Esports always deals with online multiplayer games and professonal gaming competitions between players or teams. Even though games were invented long back, these got largely popular in the 21st century. Gaming competitions are played between gamers across different places and they will be streamed live to the audience. By the 2010s the gaming developers saw a big rise in the gaming industry and also led to creation of more advanced game designs.

Gaming types include first person shooter (FPS), battle royale, multiplayer and many more.

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VIDEO GAME DESIGN

Spectator Mode

Along with the game, a spectator mode is given for every game to observe the gameplay of the teammates. This allows us to split strategies between players and teams in an online league or tournament. Games like Call of duty allows this type of feature.

Online

The most common method of playing a game. Internet plays a major role in providing stability and accuracy in gaming field. And online mode allows us to make connections with people around the globe. Internet allows players to show their skills and IQ in the game. More importantly, most of the competitions take place online only.

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POPULAR GAMES

Number of games are popular among the competitors. Mostly, people tend to play fighting, shooting, racing and multiplayer games.

Some of the popular games include :

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1) Fortnite

2) BGMI

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3) Minecraft

4) Counter Strike

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5) Call of Duty

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DEJA VU – A STRANGE EXPERIENCE

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Sometimes, we feel like we experience Deja Vu. But what is Deja vu ?

Why do we feel like that ?

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What is the science behind this experience ?

DEJA VU

Deja Vu derives from a French word which means “already seen”. It is a feeling that one has experienced the present situation before. Scientific researches say that it is a strong memory recollection, the time, the place and the context of that previous situation. People who travel frequently or watch films are more likely to experience deja vu when compared to others. Others experience deja vu in fragile conditions and high pressure. Meanwhile, deja vu decreases with age.

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TYPES AND SCIENTIFIC REASONS

Two types of Deja Vu are considered

1) Pathological Deja Vu

Pathological Deja Vu occurs frequently and also has symptoms like hallucinations which may be an indicator of psychological or neurological stress.

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2) Non-Pathological Deja Vu

Normal people who do not have any mental health issues experience this type of Deja Vu. This is so common and it is not due to stress. This occurs because of recollecting old memories.

MEDICAL DISORDERS

Deja Vu is simply an electric discharge in brain , creating a strong sensation of an event that has happened before. Deja Vu is associated with Migraines and as well as temporal lobe epilepsy. Researchers also found link between deja vu and certain mental health issues like anxiety, dissociative identity disorder and schizophrenia. But scientists failed to find the correlations between deja vu and schizophrenia.

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Researchers also experimented genetics while considering deja vu. But there is not even a single gene connected to deja vu.

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LAZINESS AND PHYSICAL FITNESS

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TITLE : LAZINESS AND PHYSICAL FITNESS

WHAT IS LAZINESS :

As per a famous quote given by Bill Gates, “I will always choose a lazy person to do a difficult job because he will find an easy way to do it”. Yes, it’s true..!! Lazy person’s will show their lazyish behavior and complete the work without putting more effort in it.

But we should not forget the other side of being lazy which is explained in this quote, “Success is not easy and it is certainly not for the lazy”. As per the definition of laziness it means, if someone is lazy, “they do not want to work or make any effort to do anything”.

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Why does a person become lazy..?? Is it any particular characteristic of a person or a set of his behaviour or habits or something else.. Many people give different opinions to describe laziness, but still the concept of laziness is totally not understood.

As per study and research, laziness is caused due to three reasons : psychological problems, physical problems and our lifestyle.

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PHYSICAL CAUSES FOR LAZINESS :

If you are feeling lazy, it can be due to lack of vitamins or tiredness caused by any medical condition. The following are the reasons for physical laziness :

1. diabetes
2. hypothyroidism
3. Lack of iron
4. dehydration
5. too much exercise
6. no exercise
7. heat
8. chronic fatigue

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PSYCHOLOGICAL CAUSES FOR LAZINESS :

If a person frequently experiences low mood or a lack of motivation and tiredness, it can be caused due to the mental health condition of a person. The following are the reasons for psychological laziness :

1. depression
2. anxiety
3. bipolar disorder

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LIFESTYLE CAUSES FOR LAZINESS :

Even your lifestyle or your way of living can also be a reason for making you lazy. The following are the reasons for psychological laziness:

1. lack of sleep
2. consumption of alcohol
3. unbalanced diet
4. feeling stressed
5. lack of motivation

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LAZINESS AND PHYSICAL FITNESS :

It is very important to fix a lazy person and it is only possible by maintaining physical health. Physical Health can be taken care of by maintaining the following procedures like – Regular exercise, balanced nutrition, and adequate rest – all contribute to good health.

But again the question is how lazy people will do exercises..??? But, for them, exercise is like a surefire way to get rid from laziness. Exercises will increase energy levels, improve moods, reduce stress, anxiety, depression and make them stay motivated.

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So following are the different ways by which the lazy person’s will maintain their physical health and also he will turn fit in laziest ways :

EXERCISING AS A GAME :

# FIRST GAME :

You should aim to do 10 push-ups in 10 sit-ups everyday. Once you get used to this game, you can increase it by raising your pace.

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# SECOND GAME :

Play your favourite song and set your mind to work or run on the length of that song. You can raise your pace up, by updating your playlist.

# THIRD GAME :

You can do workouts in your own comfort zone by not moving from the sofa or the lounge on which you are sitting. Take walks or jog or any abs workout, some triceps during the commercial ads, while watching your favourite show.

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# FOURTH GAME :

Play any dance number and hit the dance floor. If a person is not interested in doing exercises, then you can opt for this game too. Dance will burn calories and will not make you feel as if you are doing any exercise.

# FIFTH GAME :

Trekking, running, swimming, walking, aerobics, zumba, cycling, Kayaking, surfing etc… Select any game for each day and raise up your pace to improve your fitness and health.

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CHALLENGING SELF :

# ENTER A VIRTUAL FITNESS CHALLENGE :

Many websites are giving the challenges to work towards your physical fitness. Join any of the websites as it will give you a goal and motivation to start working on your physical fitness.

# PAMPERING YOUR MIND :

we can pamper our mind by challenging ourselves like if I do new workouts, new exercises, then I can buy new clothes for my new looks.

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# DRAG A FRIEND :

You can drag any of your friends or family members, who are also exercise-lovers, who will encourage you and also give you a little competition to do the work-outs…

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HAITI AND MUD COOKIES

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TITLE – HAITI AND MUD COOKIES

 

TODAY’S REALITY :

If I ask, what are the basic resources which we need to survive in today’s world..?? The reply will be MONEY and FOOD. That’s true… When we are hungry and if we have money in our hand, we go out to buy our favourite food stuff like pizza, burger, french fries, noodles, pastries, cookies etc… to feed our tummy.

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PARALLEL LIVING – WITHOUT RESOURCES :

But do you know, there are many people who don’t have these basic resources too for living, then, how will they feed their tummy..??? There are few countries, where people don’t have even the basic resources like food and money. Then how will they be feeding their tummy…???

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LIFE OF HAITIANS :

HAITI, one of the poorest countries in the Western hemisphere, don’t even have the basic resources for their everyday life and due to the scarcity of food and money, in the country, people started feeding their tummy with the DIRT.

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MUD COOKIES IN HAITI :

People in HAITI are eating dirt in the form of cookies, which are also called “MUD COOKIES ”, Galette or bonbon tè.. The scarcity of food has turned mud into cookies, for the Haitians.

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MUD AS A SUPPLEMENT :

It is believed that, due to the mineral content in the mud, the cookies were given as a dietary supplement to pregnant women and children. The Haitian’s believed that the mud has calcium in it which can be used as antacid and also for nutrition too.

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MUD COOKIES AND HAITI :

In Haiti, almost 80% of the population is below the poverty line. This made the starving locals desperate for food and created cookies from mud for their survival. Sadly speaking, the people of Haiti are regularly eating these cookies and they are now so used to these cookies that it has become a normal practice for them.

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HOW THIS MUD COOKIES ARE MADE..??

The main ingredients in making these cookies are edible clay, salt and vegetable shortening. Edible clay is collected from the nation’s central plateau and is moved to the market in trucks. The women who prepare the cookies, purchase the mud from the market and take it to the towns to make it.

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Firstly, the dirt is strained to remove the clumps and rocks. Then, the strained edible clay or dirt is mixed up with salt and vegetable shortening or fat to form flat discs. These discs are left out in the sun to bake. Then, finally the discs, which turn into cookies, are then sold in the market.

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These cookies are made in different quantities, as per the affordability of the people. The taste of these cookies are described as a smooth consistency that immediately dries the mouth with a pungent aftertaste of dirt having lingered for hours.

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IS EATING EDIBLE CLAY OR SOIL, HEALTHY..??

Truly speaking, mud has no nutritional value. But the people of Haiti have no alternative to overcome the food scarcity and high prices. They are forced to create these cookies and eat them.

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Haitians believe that the mud contains calcium but it is strongly disputed by the doctors who warn of tooth decay,  constipation and even more worse issues or problems in health. Dirt also contains a lot of potassium which leads to high blood potassium, which increases the risk of cardiac arrest.

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Eating dirt can also expose you to bacteria, toxic heavy metals and parasites. Haiti is also facing some mortality issues like respiratory infections, tuberculosis, diarrhoea and eating dirt will worsen the situation.

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Even the immune system is getting weak from people eating mud. The water supply in Haiti is often contaminated. Sadly, this contaminated water is making its way in the soil and as well as for the people who are drinking it, which makes the people much more sicker than they already are.

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On a serious note, the people of the country need to do all they can to help themselves

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