Financial literacy 2

You may be worrying what financial literacy is?

It is understanding how money works in financial world,we are living.Financial literacy is building financial wealth,managing financial goals,look upon financial structures.In depth it deals with depts,investment,pitfalls in finance etc.

This blog is all about financial savings.Mantra for financial saving and insight of assessing one's financial situation.A little effort on financial education now will give a tremondous result at the end of the year.

1. Make a commitment                                                                                                                     However financially aware you may be, until you are not committed nothing will work.It requires wise decision to be made to tackle any sort of financial problems.The most important step in developing and following a financial plan is to examine your attitudes about money.You are definitely ready and able to start your path to financial wellness; if you are also willing, take the pledge!  
2. Assess your financial situation                                                                                               One should be true to oneself about his financial situation. Active decision is made accordingly.Start your journey with a self assessment.To develop an accurate picture of the amount of money you will have in the future, take a look back.  Decide if your income will be from the same or from different sources and the amount of income you can expect to earn in the future. 
3. Make a priority list                                                                                                                        Set your priorities.Creating a list of needs and wants can help you establish your financial priorities.For Ex- EMI,party,Buying a car,Planing a vacation,saving for further studies etc..
4. Make a smart financial goal                                                                                                         S.M.A.R.T. financial goals should be specific, measurable, achievable, realistic, and time-bound. Make sure all your financial goals are realistic and easy to achieve.
5. Where does all money goes?                                                                                           Maintain a worksheet/balancesheet of expenditure.Keep an eye on extra expenditure.Plan very-well.
6. Identify your starting point.                                                                                         Calculating your net worth is as simple as comparing what you owe(liablities) to what you own(assests).But it's a must.Money from different sources must be considered.
7. Q&A                                                                                                                                      Financial literacy starts with question and answers.Start understanding unwanted spending.Identify ways to reduce spending.
8. Extra tips                                                                                                                                       There are various ways to save on tax,funds,bonds, etc.One should know them properly.Avail all the schemes in one's office like mediclaim etc
9. Paying off your debts.                                                                                                          Calculate the total amount of debt that you need to pay in the year, which should include the total amount you owe through your credit cards and loans. Then, identify the debt which carries the maximum interest and pay more than its minimum monthly payment amount, while continuing to pay the minimum monthly amount on other debts.Continue this strategy until the highest debt is completely paid, and then repeat the process with the next highest debt and then subsequent debts.This smart strategy has been tested and recommended by financial experts and proven more cost-effective than simply paying the minimum debt amount every month.
10. Savings                                                                                                                     Save 10% of your income no matter what.Saving is very important for your future goals.For you and your family saving is must.

That's all, beginners tips for financial literacy

Make sure to comment how these blog is helpful.Any advice,correction will be appreciated.

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Financial literacy

Tittle tips to save money.
You won't realize how these small tricks can save a lot of bucks.
#littlebylittle  #oneday

1. Power off your computer instead of keeping it in in sleep mode.
2. Sell your stuff which are just kept in basements,attic to sites like olx,e-bay and now Amazon also!
3. Keep a screen guard and case cover for your mobile phones.One of my friend broke his iphone6s screen and had to purchase a new one by payin 27k Rs. and rest was payed by insurance company.Just to show-off his iphone he spent a lot!
4. Always shop with a list.
5. Don’t let the water run while brushing your teeth; take shorter showers
6. Wash your clothes in warm or cold water instead of hot water. 
7. Replace your regular light bulbs with compact fluorescent bulbs. 
8. Turn lights off in your house when you’re not using them.
9. Invest in a good water filter and stop buying expensive water bottles.
10. Use public transport instead of private vehicle.
11. Use Bicycle to travel nearby localities. 
12. If you can carpool with a co-worker, spouse or friend, take advantage of the opportunity. That could mean a buddy to talk to in traffic and savings on gas each week
13. If your job can be done from home,do it.It save's lot of travelling income.
14. Is landline telephone really needed?
15. Compare the telecom tariff rates.Keep a track of your call rates.Ask for the best ones.
16. Make all payments before due date.If you have to pay why wait for last moment.It will save those fine's.
17. Regift your stuff's 
18. Use good quality chargers 
19. Subscribe book from library.Purchase books which can be resold after use.
20. Don't eat outside stuff try to take tiffin.
21. Walk if possible instead of using  vehicle.

Oral Health and Hygiene-Oral Cancer

Three main reasons for tobacco addiction:

1.  Tobacco chewing leads to smokeless cancer.It is consumed in form  like pan,khaini,gutkha tobacco powder(Misri) etc.Thus they are available in variety of form.
2. Precursor of oral cancer is seen mostly in age group of 20-30.People get this habbit of chewing tobacco at a very early age when they have no idea it may effect them. They are completely unaware of ill-effects.Seen elder using these stuff,these introduce the habit, with the first introduction often being given at  by an elder who is unaware of the dangers he is exposing the child to.
3. These stuff are available at very low cost of 3 to 10 Rs.Parents educate them and offer no help in kicking this habit.Mostly they see people using it.However,the money required is somehow given by parents.Believing,parents don't know these habbit they give money.In most house parents become aware very late,before the child has learned to robe,or become completely addicted by living in bad company.

Studies: 
According to WHO Country profiles, India has one of the highest rates of oral cancer in the world and rates are still increasing. Oral cancer accounts for one-third of the total cancer cases and 90% of the patients are tobacco chewers. This includes all class of society.

Only 20% of the total tobacco consumed in India is in the form of cigarettes, about 40% is in the form of bidis and the remaining 40% is consumed as chewing tobacco, pan masala, snuff, gutkha, masheri and tobacco toothpaste. These products contain putrefied tobacco, paraffin, areca nut, lime, catechu, and 230 permitted additives and flavours including known carcinogens.

WHO reports suggest that 65% of all Indian men use at least one form of tobacco. For women, the usage statistics differed from 15% in rural Gujarat to 67% in Andhra Pradesh, the overall prevalence being 3% for bidi and cigarette smoking. What is alarming is that fully one third of all women use at least one form of tobacco and in Mumbai, 57.5% of women use tobacco but solely in the smokeless form.

Prevention:

1. Mostly children of age group from 12-14,i.e exactly when they are in 8th,9th and 10th are likely to get this habit.This is when they need to be targeted.They should be educated rigorously against these stuff.It is this time.It's NOW OR NEVER. 
2. Parents should also be educated in schools with children against oral cancer. 
3. Those who have these habit along with parents should be treated against them.
4. The worst part is education.If someone have seen the suffering,he will never opt one for himself.They will feel self shame,when they are properly educated.
5. 
   

Those addicted should atleast be made to brush their teeth every time they consume one and before sleeping so that the remnants of the tobacco do not attack the buccal linings overnight and to watch for patches which can be the first sign of cancer.

As early bird catches the worm first,similarly early consumption will kill you first.On otherhand early education will prevent first consumption of tobacco.

External link;
Anti guthka campaign
Wikipedia-Gutka

Mind twisting imp aspect of time

Time is the most valuable thing a man can spend-Theophrastus

Mind Twisting important aspect of time

1. -However correct you are but "Right thing should be said at right time." Like,decisions taken in furious mood are never correct.So,has right things said at wrong time won't work. 
2. -Time is best medicine for emotional setbacks.I don't know how but its better if sometime we just let time go without taking decisions,which we feel like its important for the time being.It's because we may become mature in coming time and then will take decision with confident and it will surely be correct. 
3. Youth's life is most important for parents,nation and teachers because they have the most time in world .Their present decisions depends on their mentors and their right decision will surely change the nation.
4. The best thing which you can give someone is your time. By giving your time to them you make them feel important.
5. Time you enjoy wasting, was not wasted-John Lennon
6. Time is life.Whatever you will do with your time ,same will happen with your life.

Importance of Time

"काल करे सो आज कर ,आज करे सो अब ,पल में प्रलय होएगी , बहुरि करोगे कब"-Saint Kabirdas

I thought we are the most busiest person of all time humans. But upper stanzas proves people in 16th century were also busy(In sense wasted lot of time like us) .So kabir had to come forward, with these stanza emphasizing on....

Now or Never 

From now or never of course answer is now.Right now make us liberated.We don't have to think for some other time for a particular work.One who make it right now won't waste its time in future.

Time is limited.

Things are lot to be done.Its on us how we use our time.I was lucky to meet peoples who not only cared about their time but also about my time.I learnt importance of time.

Wasted time is worse than wasted money.Money once can be earned again but with time,you will just regret why we did that and not that.Use your time wisely.We ourselves know and regret why we wasted time.That should not happen .

If you waste time you are wasting your life. Use time at fullest.

Last but not least,

Prioritize your time .

DO IT KNOW!

Over-analysis leads to paralysis

I suffered from paralysis of over-analysis before writing these blogs.

1. I read various blogs on how to start writing blogging
2. I read so many blogs and got inspired 
3. I got basic idea how my blog will look like
4. I immediately made blog and had views it will be my best of  effort

And days passed on and on.All of my prevous thoughts were being an hinderence for me.

I wanted to have a perfect blog.

Every successful persons thoughts only turned into action.But action was done. Over-Analysis makes us standstill or immobilize us.

Look before you leap is right but just looking and not leaping will never give you the right path.
Sometimes in life just leaping may be advantageous.However,

Over Analysis is a situation where action is not taken
For days I thought about my dreams and one day I will forget it.Before its too late I need to act on.

WE THINK WITH HEART AND SOUL ABOUT OUR DREAMS,BUT JUST THINKING WILL NEVER MATERIALIZE OUR DREAMS.

Thinking too much about something takes you to DEAD END
Actions must be performed.

Don't get affected by world

There were so many who tried to pull you down and still there are many who will pull you down.
You never did bad to them or you aren't going to do anything bad,but still they will resist your progress.The reason is we ourselves.

We all are running in a race of life.Has we move ahead in it,we meet people in same situation has we see ourselves.We call them friend.Their thoughts,views they share with us.At our first meet we resist their negative thought.But,in few days,their thought starts saturating us.Even about their negativity our feeling change.We sort of become like them feeling-wise .So,the best thing we can do is to stay away from negative peoples.

The world is to pull you down.Nobody,is going to take you to peak.It's you the only one will make way till top. Society, will either lend you a hand to reach top or pull you down.It's solely on you to decide which society you want.From,today on search for society which you want and not the one which world provided you.If such society doesn't exist create one through your optimist and friendly nature.
You must be the change you wish to see in the world-Mahatma Gandhi.

While travelling we meet some rude guys,in train or anywhere in neighborhood.We shouldn't take unknown peoples word  seriously.Sometime,useless peoples comment are taken damn seriously and in turn we lose our mental balance and confidence.

People will laugh,tease,curse,provoke,dislike,abuse.You should understand,bless,inspire,respect and be kind,gentle,peaceful.

We sometime feel like our own friend want to make us feel down.In Reality they are rivals
Rivalry should be taken positively. It's only solution that exist and best for our own goodness.