Budgeting for more money

Most of the time we don’t get an opportunity to do a planning for monthly income & expenses as expenditures are on continuous basis and demanding.  The process of doing a planning for expenses based on monthly income is known as budgeting. If we do budgeting it is possible to meet our needs even if the income is limited.   Type of family expense The expenses in a family have two parts – variable and fixed. The variable expenses can be decided upon whether to incur or not but fixed expenses has to be incurred in any situation to maintain …

Cryptocurrency, Bitcoin & others

Off late, cryptocurrencis getting lot of traction due to recent spurt in value of Bitcoins and others. Though conceptually it is not new, many people are yet to get a hang of it.  What is it? Is it going to stay? Is it going to be an alternate payment method? Is it going to be legal in all respect? Are we missing out an opportunity? These are the questions crossing minds of people who know about it. Before we take a call on all these question let us first understand what it is?  What is Cryptocurrencies ? It is derived …

Know your income tax liability and ways to save

We all owe to government for tax payment. Therefore, it is very important to know our income tax liabilities and also ways to save or lessen these liabilities. The month of January, February and March in India is known as JFM among banking and financial intermediaries fraternity. That because during this period most of salaried and business people invest some portion of their income to save on income tax payment. Though it is not a health practice, it is inevitable as clarity of income earned during the year & tax on those earning is visible by end of the year. …

Do you know who is guiding you?

Every moment of our life is guided by somebody. All our actions and results are outcome of this guidance. Our success, setbacks, happiness, health, wealth all are under the influence of this guidance. Do you know who is guiding you? It is non-other than inner you. The invisible person within us. We identify it as our mind and it guiding us all the time. We may be aware or not. Therefore we need to be outmost careful about our mind. Are we feeding our mind with right thought? Are we keeping mental sanity. Are we visualizing the right view. All …

The good and bad decision of buying a house

Buying a house property is one of the most delighting experiences in life. However, it could be both a good or bad decision. I would like to draw your attention into other dimensions related to purchase of house/flat. It is touchy still you can question – do you need to buy a house? Any individual and especially couple dream of owning his or her house and live in a dream home. In the process they lock up substantial money in constructing or buying the house. Many justify it as a secured investment, tax benefit, a shelter for any eventuality etc. …

Protect yourself from time stealer for better efficiency

If you can protect yourself from time stealers your can have better efficiency and improve dramatically. We all have 24 hours’ time a day. With the same time, somebody is performing excellent, somebody mediocre and somebody poor. Therefore time can never be an impediment in your performance or effectiveness. However, we need to be aware about how effectively we use time. There is abundance of resources in the form of books, lecturers, workshop etc. on time management, how to utilize your time to the maximum. However, there is little focus on time stealers. If a person is aware of time …

Know the minerals that makes up your body

Human body is made of various minerals. Each minerals have different roles to play in overall function of your body and therefore it is utmost important to know the minerals that makes up your body. Once you know them & their role, you will be able to take good care of your body. Minerals make upto 5% of human body. There are 2 types of minerals – macro nutrient mineral and trace minerals. Minerals are essential to act as co-factors of enzymes, which mean enzymes would not exist or function without minerals. Enzymes participates in bio-chemicals reaction, through which we …

Credit Score is your new identity

Digital world has set credit score as your new identity. A credit score is a three-digit number that depicts a consumer’s creditworthiness. The higher the score, the better a borrower looks to potential lenders. The credit score also comes with a report which carries information like number of loan accounts, history of taking loans/credit, repayment track record etc. The potential lenders use credit scores to evaluate the probability that an individual or a firm will repay loans in a timely manner. In other words whether he or she or the firm is worth giving loan/credit. What is a Credit Score? …

Immunity is the new buzz word

Our immunity protects us from invading disease-causing pathogenic microorganisms. In current pandemic situation, immunity has become the new buzz word. Immunity is actually a system in human body for protection from infectious disease. It has two component – a less specific or INNATE and a more specific or ADAPTIVE component. Innate Immunity This provides the first line of defence against infection. Here response is rapid (minutes). It is not specific to a particular pathogen. It has no memory and does not confer long-lasting immunity to the host. Adaptive Immunity This provides a specific immune response directed at an invading pathogen. …

How you get what you want

We all want something more than what we have today. That because inherent quality in human life of hope, an intrinsic desire to have more. In fact that is the sap of life, which keeps it going. You may therefore might have noticed people giving advice not to lose hope when in distress. However, some people go beyond the limit of normal hope & desire and achieve many things to which we look with awe. We wonder how so and so can achieve so much, while comparatively he or she is at per with others What is the differentiating factor? …