Be a Smart Investor – March consistently towards prosperity

Be a Smart Investor – March consistently towards prosperity

I can calculate the motion of heavenly bodies, but not the madness of people.”

These words were said by none other than Sir Isaac Newton after he lost a fortune in the stock market.

The story goes back to 1720. Ebullient after making a huge profit of £7000 by selling the shares of South Sea Company that he owned, Sir Isaac Newton decided to re-enter the market, when the market was closer to the peak. Thinking that the uptrend would continue, Newton kept holding the stock, only to sell it at a loss of £20,000. The brilliant scientist that he was, Newton got swept away by the frenzy of the market and lost a fortune in a stock bubble. The story goes on to prove that it is almost impossible to time the market and make gains consistently.

Three centuries later, the above statement still holds good.

The question that arises is how to be a smart investor. Here’s a simple rule of thumb that can help you to invest wisely:

Resist the impulse to Time the Market

Most of us are tempted to time the market in order to make big gains. While trying to time the market, we often tend to be overconfident of our judgement and overlook the fact that the chances of losing our money also increases as we time the market.

Some of the most successful investors agree that when it comes to investing, discipline beats intelligence. Studies have shown that a regular investor makes more money than one who times the market.

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Cat Café Studio – A café for ‘Coffee with Cats’

Cat Café Studio – A café for ‘Coffee with Cats’

I am going to have coffee with cats. Will you come along?” My daughter asked me.

What!” I wondered aloud. Till now I had heard only about ‘Koffee with Karan’, but when she said something like coffee with cats, I wasn’t sure if I had heard it right.

The cat at home keeps a constant watch on me and two more in the society stalk me for food the moment they see me. And, you want me to go to some place to have coffee with some more cats?” I asked her.

Not paying much heed to my questions, my daughter urged me to join her. Though it didn’t make much sense to me, yet I agreed and we reached the Cat Café Studio in Andheri.

CatCafeStudio
Cat Cafe Studio

At the first glance, it looked like a small, cosy place.  We stepped inside the corridor. Right at the entrance lying down on the floor was a huge Labrador dog, who raised his head once, looked sheepishly at us, and then continued to doze. We saw a counter at one end; there was a small café along the corridor.

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GST Impact on household and lifestyle

GST Impact on household and lifestyle

On Friday the 1st of July, 2017, ‘One Nation One Tax’ finally became a reality for India, as the Government launched the Goods & Services Tax, which is considered as the biggest tax reform in India till date.

So, what is the impact on our household and lifestyle? Read my post on UC News

*** If you want to join UC News as a  content creator to spread your voice, follow this link ⇒ Join UC We-media Program.

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Image credit: https://india.gov.in/

ICICI Pru Heart/Cancer Protect: Review of the Health Insurance Plan

ICICI Pru Heart/Cancer Protect: Review of the Health Insurance Plan

Lifestyle diseases are on the rise in India!

Increased screen time, a sedentary lifestyle, lack of fitness, unhealthy food habits, high-stress levels, and increased levels of pollution have increased the risk of lifestyle-related diseases. We must make conscious changes to our habits to prevent the occurrence of health-related problems arising due to our lifestyle. At the same time, we should be financially prepared to deal with medical expenses that come with the diagnosis of any of these lifestyle diseases.

Cancer and Heart ailments are two such deadly lifestyle diseases that can affect young and old, and rich and poor, alike. It thus becomes imperative to be adequately insured to deal with the expenses incurred.

Here, I present a review of ICICI Pru Heart/Cancer Protect, a specific plan that covers both, heart diseases and cancer, starting from early stage cancer and heart conditions to severe stages.

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Video for smart living, savvy lifestyle blog

Video for smart living, savvy lifestyle blog

Monsoon has arrived in Mumbai. The sun has gone on leave and the overcast sky is pouring since morning. My cat had been running around, inside the house like a misfired missile since morning. He has now got tired, curled up and gone to sleep. From my window, I can see the children coming out with their umbrellas to enjoy the first proper rain of the season.

A weather such as this has got my creative cells ticking. So, I have compiled this video cover for this ‘smart living’ blog using some pictures from my Instagram feed. I hope that this conveys the essence of mindful, healthy, smart and positive living.

I have used this as a cover for the Facebook Page. If you are on Facebook, please do like this Facebook page.

I will keep the post short.

Do let me know how did you find the video?

O, I realised that I did not include my cat in the video after Mr ABHIRAY59 who blogs on https://occassionalmusingsblogpost.wordpress.com pointed out.

PothePirateCat
Mr Po

So, I am including here, a picture of Po peeping out of the window in the morning.

PO is not much of a poser and doesn’t like to be clicked but maybe sometime when I have enough pictures of him, I will have a post dedicated to him. 😀

Happy Sunday!

Hey! Say what you want to. Please Like, Share and/or drop in a Comment below!   🙂 

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Are you making your money work for you?

Are you making your money work for you?

It’s not how much money you make, but how much money you keep, how hard it works for you. ~Robert Kiyosaki

Just as you work hard to make money, you must ensure that your money also works for you. Merely saving money is not enough, it should be invested properly so that it grows in value and helps you to realise your financial goals.

 

Why do you need to grow your money?

Nobody needs to be told how unpleasant inflation is! It erodes the value of your money. As prices go up due to inflation, the same money will fetch you lesser goods. You cannot control inflation but you can beat the inflation by protecting yourself against it. That is possible when your money also grows in value at least equal to or more than the increase in the cost of living.

Your investment should help you at least to preserve the purchasing power of your money.

 

Lifestyle Inflation

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What is Lifestyle Blogging? Why is it ideal for content marketing?

What is Lifestyle Blogging? Why is it ideal for content marketing?

‘What is Lifestyle blogging?’

‘Do Lifestyle bloggers write only about designer wear, expensive furnishings and shopping habits?’

‘What is the difference between a lifestyle blog and a personal blog?’

‘Can you use your lifestyle blog to make money?’

I am often faced with a barrage of questions such as these from people who want to know more about the trend of blogging that is picking up speed at an incredible rate, so I decided to come up with this post. Before we get to the blogging part, let us see what lifestyle means.

Lifestyle refers to the way in which people live. It is expressed in both work and leisure behaviour patterns of individuals and in their activities, attitudes, interests, opinions, values, and allocation of income.

Taking this definition of lifestyle from the Business Dictionary, let’s see what a lifestyle blog is.

What is a lifestyle blog?

From the various definitions, I particularly like this comprehensive definition given by Evan from mediakix.com.

A lifestyle blog is defined as the digital content representation of its author’s everyday life and interests. A lifestyle blogger creates content inspired and curated from their personal interests and daily activities.

A lifestyle blog delves into themes related to one’s way of living.

Yet, it is somewhat different from personal blogging. A personal blog is more like an online personal journal, where the blogger writes mainly about his/her daily activities or about his/her life.

On the other hand, in a lifestyle blog, the content is guided more by the ideas, experiences and interests of the blogger and presented in an organised manner to the readers. Also, a lifestyle blog has a visual appeal somewhat similar to that of a lifestyle magazine.



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Kathmandu Places to Visit – My travel memoirs Part II

Kathmandu Places to Visit – My travel memoirs Part II

Continued from Kathmandu Top Attractions: My trip to the City of Temples (Part I)

During our stay in Kathmandu, we were deliberating on going to Nagarkot or Pokhara, but travelling to either of these places meant that we would need to spend a night there to see the sunset and the sunrise. Given our short schedule, we ruled out the visit to these places, as it would be difficult to drive back in the evening after sunset. These are the tourist places in Kathmandu that we visited instead:

Doleshwar Mahadeva

About 20 km away from Kathmandu city centre, is a temple called Doleshwar Mahadeva, which is believed to be the head of Kedarnath temple, one of the most prominent Hindu pilgrimages in Uttarakhand, India.  Given its religious significance, Birbal suggested that we go there.

It was a pleasant uphill drive with views of terraced hills and the valley. On the way up, I requested Birbal to stop at places from where we could get good views. He willingly obliged.

EnrouteDoleshwarNepal

On reaching the temple, we found that it is a small, quaint place in the lap of the hills. The Shiva sculpture at the Doleshwar shrine is supposed to be 4000 years old. There were very few people. The temple was completely devastated by the 2015 earthquake and reconstruction work was going on. We bought some offering and went to the shrine, where a local person recited a stuti (prayer). We spend a few quiet moments at the temple and then proceeded to the other places.

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Kathmandu Top attractions – My trip to the City of Temples

Kathmandu Top attractions – My trip to the City of Temples

I frankly admit that the impression that I had formed of Kathmandu, until recently, was solely on the basis of the scenes of some of the Hindi movies (such as Hare Rama Hare Krishna, and more recently Baby) and Indiana Jones movies that I had seen. That was before we (husband and me) packed off for a short trip, leaving our cat in the safe custody of my daughter, who has come home on vacation. The destination obviously was Kathmandu – an offbeat place but well suited for a short summer getaway, especially for heritage lovers like me.

Arrival at Kathmandu

Taking a morning flight from Mumbai, we landed in Kathmandu by noon. It had rained in the morning, due to which the temperature had dropped and the weather had turned pleasant.  A huge poster of Deepika Padukone with an Oppo phone greeted us at the Tribhuvan International airport, where I was expecting to see posters of people in their traditional Nepali costumes. Repair work was being carried on at the airport escalators, which made me a little sceptical while using those.

The hotel Annapurna was not very far away and we reached the hotel in half an hour. While entering, we could see the Narayan Hiti Palace Museum, which was at a five minutes walking distance from the hotel gate. We decided to go there after we had rested for some time.

NarayanHitiNepal
Narayan Hiti Palace

However, on reaching the Narayan Hiti Palace Museum, we found that it was closed. So we kept walking towards the Thamel shopping area. I saw that most of the people on the road had covered their nose with a dust mask, which I later found is a common practice all over Kathmandu.

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Depression is treatable: Let’s Talk

Depression is treatable: Let’s Talk

For someone living with #depression, talking to a person they trust is often the first step towards treatment & recovery.  ~Tweet by WHO.

The World Health Organization (WHO) defines Depression, as an illness characterised by persistent sadness and a loss of interest in activities that you normally enjoy, accompanied by an inability to carry out daily activities, for at least two weeks. It is surprising to note that depression is the leading cause of ill – health and disability worldwide.

While there is a perception that feeble minded people suffer from depression and anxiety, it is not so. Depression is an illness that can happen to anybody, at any age, or in any place. People with depression normally have a loss of energy, change in appetite, anxiety, reduced concentration, indecisiveness, restlessness, feelings of worthlessness, guilt, or hopelessness; and thoughts of self-harm or suicide. Fortunately, depression can be prevented and treated.

Here, I present a guest post on this topic written by Sarbani Chowdhury, a Clinical Psychologist with the Indian Air Force. Read on what Sarbani says about depression…

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