Showing posts with label america. Show all posts
Showing posts with label america. Show all posts

Wednesday, February 17, 2021

Are mutual funds meant for long term investments?

To be precise, equity mutual funds are meant for long term investments.

The reason is simple. Equity mutual funds invest the money in the stock market. The stock market is volatile in nature. It means the returns are not fixed. I nthe short term, the stock market is more volatile but in the long term, the market trajectory is always towards an upward direction.

Let me explain this volatility with an example of a large-cap equity mutual fund performance during Covid19:

Case 1:

  • If you had invested Rs 1 lakh in Kotak Bluechip Fund - Direct growth just one year ago in Nov 2019, then by March 2020 (within 4 months), you would have lost 33% of your investment value.

Now, just imagine what would be your reaction?

If you are someone who has no idea about how a mutual fund works, you would simply panic! You would think - “What a mistake I have made! Within 4 months, I have lost Rs 33,696. If I continue further, I might lose all my money. So let me exit from this fraud of mutual fund.”

Well, I won’t blame you. Anyone without knowledge about mutual funds would panic with such a loss. Just imagine, if you had invested Rs 5 lakh then you would have lost Rs 1.68 lakh!

Case 2:

But, on the other side, if you had invested Rs 1 lakh on 23rd March 2020 then what would be your investment value by now?


Within 8 months, your Rs 1 lakh would be worth Rs 1.66 lakh! That’s a profit of 66% or an annual return of 120%.

Do you know why such a huge difference in return?

Because the market crashed in March 2020 due to Covid19. Hence, if you had invested before the crash, your portfolio would be in red. But, if you had invested during the crash, you would have made a great profit after market recovery.

Obviously, these are specific examples that I have picked just to show the extreme volatility in the market in the short term.

Case 3:

What could be a more realistic scenario?

If you had invested Rs 1 lakh in Nov 2019 and continued till date i.e. almost 1 year, your portfolio would be worth Rs 1.1 lakh.

During this period, the market crashed and recovered.

Case 4:

What if you had made a SIP of Rs 10k/month?

You would have invested Rs 1.3 lakh and your investment value would be Rs 1.5 lakh! Now, this is the most realistic scenario.

Do you know why the returns are better in the case of SIP?

Simply because you invested even when the market crashed. That’s rupee cost averaging. You purchased more units of a mutual fund when it’s NAV fell down.

But the problem is that a lot of investors do not understand the importance of consistent investment for the long term. Many investors fall under case 1 where they invest in the short term and if the market fall, they panic and sell their investments.

If you want to create wealth, you need to invest in mutual funds for the long term.

Do you know how much you would be worth if you had made a SIP of Rs 10k in this same Kotak Bluechip Direct Growth Fund 5 years ago?

Your Rs 6.1 lakh of investment would have fetched a profit of Rs 2 lakh with an annual return of 11.39%. Now, these 5 years include the Covid pandemic, demonetization, GST glitches, US-China trade war, etc. In spite of all these problems, the returns are still great! Hence, if you invest in the equity mutual funds for the long term, then you will fetch good returns.

Just to give you an idea, the same Rs 10k/month if invested in a fixed instrument like FD at ~6% return would have given a profit of Rs 1 lakh in 5 years. (Note: We have not considered the taxation. If we consider taxes, the returns from FD would be even lower than mutual funds)

Having said this, if you are looking to build an emergency fund where you can park your money for the short term and can access it anytime with minimum volatility in returns then you have the option of debt funds like liquid fund, money market fund, etc. Although the returns are not fixed on debt funds as well, you can expect an annual return of 6%-8%.

PS: I opted for Kotak Bluechip Fund only as an example. Mutual fund selection should be done on the basis of financial goals and risk appetite and it would vary from person to person. It is important to build a diversified mutual fund portoflio.

If you invest in Kotak Bluechip fund and want to know where exactly your money is getting invested, you can check the portfolio of the fund. Here is the latest portfolio:

So out of your Rs 10k, Rs 956 would be invested in Reliance, Rs 808 would be invested in Infosys, Rs 789 would be invested in HDFC bank and likewise. But the fund manager would keep churning the portfolio every now and then. This portfolio is as of 31st Oct 2020.

Note: All these screenshots are from moneycontrol website.

Source : Sahil Bhadviya

Monday, February 15, 2021

What are common mistakes made by first time house buyers?

Here are 7 rookie mistakes I’ve seen others make…I’ve bought and sold a number of homes now, and I watch these happen again and again.

The 7 Mistakes!

  1. They Buy at the Top of their Range. Don’t you want to be able to go out, travel, have a decent car or be able to weather a job loss? Always buy *below* what you can afford.
  2. They Are Misled By Beauty. There is a reason people hire staging companies or do minor upgrades - it sells homes. Don’t let the beauty of the interior mask real problems of the house…it is far more important that a house functions for you or doesn’t flood, than whether you love that midcentury light fixture.
  3. They Shop in the “Hot Neighborhood.” You don’t want the hot neighborhood…you want the *next* hot neighborhood. You will pay at the top of market for the cool factor of now…but if you buy in the next place to pop, you’ll have equity for days.
  4. They Make “Emotional” Decisions. This is the biggest financial purchase of your life…make it with your head, and not *only* your heart. You can fall in love with many homes, make it a smart purchase - make sure the numbers work, pay for solid inspections, and be able to walk away.
  5. They Only Think About the Mortgage Payment. That mortgage payment is only one expense of owning a home. You have utility costs, property taxes, school taxes, maintenance, sure to count those in because they can be significant! Check out the property taxes and other expenses early.
  6. They Overlook “Grandma Homes.” An aesthetically “ugly” house with good bones, in a solid neighborhood is almost always a great investment. So what if it has shag carpet or an “ugly kitchen?” Buy the home, contract that out, and save yourself at least $100K off your purchase price. Even better? Do the work yourself over time & you can sell at a profit if or when you move.
  7. They Shop For Others/Appearances. Don’t look for a place that will impress your friends, buy a house that works for you. It’s better to have a small yard for your pup, than a master bedroom that looks good on Instagram. You will appreciate that yard every day, and the “likes” aren’t worth it.
Source :Julie Gurner

Sunday, January 3, 2021

30 की उम्र में लड़के गंजे क्यों हो रहे हैं?

30 की उम्र में लड़को में गंजापन कुछ विशेष कारणों की वजह से होता है। आइए उन कारणों के बारे में जाना जाए -

  • आजकल के बिजी लाइफस्टाइल और गलत खानपान की वजह से 30 की उम्र में लड़कों में गंजेपन की समस्या हो जाती है।
  • इसके अलावा गर्म पानी से शॉवर लेने से भी बाल बहुत ज्यादा झड़ने लगते है। इससे स्कैल्प को काफी नुकसान होता है। गर्म पानी स्कैल्प के नेचुरल ऑयल को कम कर स्किन को ड्राई बना देता है।
  • शराब पीने और धूम्रपान करने से भी बाल तेजी से झड़ते है। सिगरेट और शराब में मौजूद टॉक्सिन बालों को काफी नुकसान पहुचाते हैं।
  • फैशन के चक्कर में लड़के बालों में तेल नहीं लगाते हैं। जिससे 30 की उम्र तक जाते जाते गंजेपन की समस्या दिखाई देने लगती है।
  • गंजेपन की समस्या का एक अन्य महत्वपूर्ण कारण अत्यधिक तनाव लेना भी है। अत्यधिक स्ट्रेस लेने से भी बाल तेजी से झड़ने लगते हैं जिससे कुछ ही दिनों में गंजेपन की नौबत तक आ जाती है।

Thursday, December 17, 2020

What ended the hippie era?

The short answer is that the hippies won.

It's hard for people to remember just how constrained and conformist 1950s America was. All white collar men had to wear a suit and tie to work. Women's clothing was demure and they were expected to be "ladylike." It was both legal and the norm to exclude blacks and Jews from living in "white" neighborhoods. Segregation was the law of the land in many states.

The Ray Conniff Singers

The hippies demanded an end to that. They brought about a new freedom in dress, hairstyles, music, and social and political thought. They got a reputation for being scruffy and long-haired, but that was only in comparison to what had gone before. In fact, they look a lot like people the same age now:

​​Kids near Woodstock, 1969

The hippie era achieved many of its aims, and young people began to have other concerns that needed to be met in a different way.

Here are a few critical dates:

  • Date of the Civil Rights Act: July 2, 1964
  • Free Speech Movement at University of California at Berkeley campus, which ended in students being given the right to political activity (yes, really!): 1964-65 academic year
  • Year of the Fair Housing Act, prohibiting race discrimination in the sale or rental of a dwelling: 1968
  • Founding of the Environmental Protection Agency: December 2, 1970
  • Year of the Clean Air Act: 1963, major expansion 1970
  • Ratification date of 26th Amendment, lowering the voting age to 18: July 1, 1971
  • Year of the Federal Water Pollution Control Act (major expansion): 1972
  • Title IX of the Education Amendments, ending sex discrimination in education: June 23, 1972
  • Date of Roe v. Wade decision permitting abortion: January 22, 1973
  • Date of the end of US draft: Jan. 27, 1973
  • Capture of Saigon and effective end of the Vietnam War: April 1975

Hippies alone did not achieve these things. But they were the most numerous and vocal activists in favor of them, much inspired by Martin Luther King and Gandhi. 1965 to 1975 was the critical period, and as I said, they achieved most of their aims. If you can live with your partner without being married, or wear a T-shirt and jeans to work, thank the hippies.

Judging by the snide tone of many other answers to this question, a lot of Quora readers have only learned about the free love, drugs, and other social experiments the hippies tried. Most of these were abandoned as they got older because they weren't really compatible with raising a family. But the hippie movement was first and foremost a political movement to free American (and European too) society from suffocating conformity and legally-enforced racism and sexism, and in that, it succeeded very well.

Source : Earnest W. Adams

Sunday, December 13, 2020

कौन से राज अपनी पत्नी से छुपाने चाहिए?

विवाह करना जितना आसान होता है वैवाहिक जीवन सुखी प्रकार से व्यतीत करना उतना ही मुश्किल. जब आप विवाहोपरान्त एक से दो हो जाते हैं तो आपको अपने पार्टरन की पसंद-नापसंद का ख्याल रखना होता है. कई बार छोटी-छोटी बातों पर रिश्ते में खटास पैदा हो जाती है. आइए जानते हैं ऐसी क्या बातें हैं जो पति को अपनी पत्नी से नहीं बतानी चाहिए.

1. अगर आपका कहीं अपमान हो तो अपनी पत्नी से तब तक ना बताएं जब तक कि वह मदद करने की स्थिति में ना हों. ज्यादातर महिलाएं भावुक होती हैं और आपके अपमान की बात जानकर उन्हें धक्का लगेगा. हो सके तो इस तरह के मसलों से खुद ही निपटें.

2. पति को पत्नी से अपने घर परिवार की बुराई नहीं करनी चाहिए. ध्यान रखें कि आपके परिवार के बारे में वे आपसे ही जानेंगी. परिवार के बारे में धारणा अच्छी बनी रहने से क्लेश की स्थिति नहीं बनती और सम्मान बरकरार रहता है.

3. पति को अपनी पत्नी से किसी के चरित्र की बुराई नहीं करनी चाहिए. गॉसिप करना महिलाओं के स्वभाव में होता है. बात-बात में अगर कहीं उनके मुंह से कुछ निकल गया तो बिना मतलब कलह की स्थिति बन सकती है.

4. पति को ध्यान रखना चाहिए कि स्त्रियों की किसी के साथ तुलना उन्हें नहीं बर्दाश्त होती है. तुलना नहीं करें लेकिन तारीफ करते रहें. प्यार बना रहता है.

5.हर इंसान को अपने माता पिता से प्रेम होता है. पत्नी के मायके वालों की कभी भी अवहेलना नहीं करनी चाहिए. इससे आपकी पत्नी के कोमल मन को चोट पहुंच सकती है.

Source : Jaya Bacchan

आदमी को व्यापार क्यों करना चाहिए?

ये कहानी आपकी जीवन बदल सकती हैं।

एक बडी कंपनी के गेट के सामने एक प्रसिद्ध समोसे की दुकान थी, लंच टाइम मे अक्सर कंपनी के कर्मचारी वहाँ आकर समोसे खाया करते थे।

एक दिन कंपनी के एक मैनेजर समोसे खाते खाते समोसेवाले से मजाक के मूड मे आ गये।

मैनेजर साहब ने समोसेवाले से कहा, "यार गोपाल, तुम्हारी दुकान तुमने बहुत अच्छे से maintain की है, लेकीन क्या तुम्हे नही लगता के तुम अपना समय और टैलेंट समोसे बेचकर बर्बाद कर रहे हो.? सोचो अगर तुम मेरी तरह इस कंपनी मे काम कर रहे होते तो आज कहा होते.. हो सकता है शायद तुम भी आज मैंनेजर होते मेरी तरह.."

इस बात पर समोसेवाले गोपाल ने बडा सोचा, और बोला, " सर ये मेरा काम आपके काम से कही बेहतर है, 10 साल पहले जब मै टोकरी मे समोसे बेचता था तभी आपकी जॉब लगी थी, तब मै महीना हजार रुपये कमाता था और आपकी पगार थी 10 हजार।

इन 10 सालो मे हम दोनो ने खूब मेहनत की..

आप सुपरवाइजर से मॅनेजर बन गये.

और मै टोकरी से इस प्रसिद्ध दुकान तक पहुँच गया.

आज आप महीना 50,000 कमाते है

और मै महीना 2,00,000

लेकिन इस बात के लिए मै मेरे काम को आपके काम से बेहतर नही कह रहा हूँ।

ये तो मै बच्चों के कारण कह रहा हूँ।

जरा सोचिए सर मैने तो बहुत कम कमाई पर धंधा शुरू किया था, मगर मेरे बेटे को यह सब नही झेलना पडेगा।

मेरी दुकान मेरे बेटे को मिलेगी, मैने जिंदगी मे जो मेहनत की है, वो उसका लाभ मेरे बच्चे उठाएंगे। जबकी आपकी जिंदगी भर की मेहनत का लाभ आपके मालिक के बच्चे उठाएंगे।

अब आपके बेटे को आप डाइरेक्टली अपनी पोस्ट पर तो नही बिठा सकते ना.. उसे भी आपकी ही तरह जीरो से शुरूआत करनी पडेगी.. और अपने कार्यकाल के अंत मे वही पहुच जाएगा जहाँ अभी आप हो।

जबकी मेरा बेटा बिजनेस को यहा से और आगे ले जाएगा..

और अपने कार्यकाल मे हम सबसे बहुत आगे निकल जाएगा..

अब आप ही बताइये किसका समय और टैलेंट बर्बाद हो रहा है ?"

मैनेजर साहब ने समोसेवाले को २ समोसे के २० रुपये दिये और बिना कुछ बोले वहाँ से खिसक लिये.......!!

Source: सिद्धार्थ पिसे

विश्व की सबसे प्रसिद्ध फोटोज कौन सी हैं?

पेश हैं ऐसी फोटोज जिन्होंने समाज और पूरी दुनिया पर अत्यधिक प्रभाव डाला.

  1. द बर्निंग मोन्क- यह वियतनाम के राष्ट्रपति के विरोध में बौद्ध साधू के खुद को जिन्दा जलाने की तस्वीर है. जलते समय वह साधू ध्यान मुद्रा में चुपचाप बैठा रहा.

2. दक्षिण अफ्रीका में भूख से मरता एक बच्चा. इसमें गिद्ध उस बच्चे के मरने का इन्तजार कर रहा है जिसके बाद वो उसे खा सके.

3. न्यूयॉर्क की बिल्डिंग की 69वीं मंजिल पर आराम करते कर्मचारी

4. टैंक मन (चीन)- जब चीन में लोकतंत्रवादियों का नरसंहार हो रहा था, तब चीनी टैंकों की परेड के दौरान यह व्यक्ति टैंक के सामने खड़ा हो गया, बाद में कभी इस आदमी का पता नहीं चल सका.

5. 9/11 के हमले के बाद जान बचने के लिए वर्ल्ड ट्रेड सेंटर की 48वीं मंजिल से कूदता आदमी.

6. अयलान कुर्दी- एक ६ साल का बच्चा जो सीरिया से आये शरणार्थी नाव के डूबने से मारा गया.

7. Earth Rise चन्द्रमा से

8. नागासाकी के परमाणु बम धमाके के बाद उठता धुआं

9. नील आर्मस्ट्रोंग 1969 चन्द्रमा पर

10. हिंडनबर्ग दुर्घटना

11. दुनिया की पहली तस्वीर 1826, इसमें खिड़की से बाहर के नज़ारे को कैप्चर किया गया है

12. हिटलर नाज़ी पार्टी की रैली में, 1934

13. गाँधी जी 1946

Source : Aakash Dubey

Saturday, December 12, 2020

समाज में इज्जत कैसे पाएं ?

  1. जब आप खुद में शांति ढूंढ लेते हैं तथा खुद को महत्वपूर्ण समझने लगते हैं
  2. जब आप दूसरे व्यक्तियों से चिपकना छोड़ देते हैं और समझ जाते हैं कि आप अकेले भी सब कुछ कर सकते हैं तथा अपने काम के लिए दूसरे व्यक्तियों पर निर्भर होना छोड़ देते हैं
  3. जब आप पैसों के स्तर से ऊपर उठ जाते हैं तथा आपके पास पैसों की कमी नहीं होती
  4. जब आप दिखावा करना बंद कर देते हैं तथा जो आप है वही व्यक्ति आप बनना शुरू कर देते हैं
  5. जब आप अकेले रहकर अकेला महसूस करने की जगह शांति महसूस करने लगते हैं
  6. जब आप केवल काम की बात करते हैं क्योंकि मौन रहना सबसे ज्यादा बड़ी शक्ति है तथा उतने ही शब्द बोलते हैं जितने महत्वपूर्ण हैं
  7. जब आप केवल दूसरों के लिए ना जी कर अपने लिए जीना शुरु कर देते हैं तो आप कि सब लोग अपने आप ही इज्जत करने लगते हैं
  8. जब आप दूसरे लोगों की जरूरतों को समझने लगते हैं और उन्हें उनकी जरूरतें पूरी कर कर दे देते हैं तो आप उनकी नजर में उठ जाते हैं पर केवल कुछ समय के लिए
  9. जब आप काम में व्यस्त रहते हैं तो लोग आपकी इज्जत करने लगते हैं तथा आपके समय की भी इसीलिए किसी व्यक्ति के लिए अपने काम को ना छोड़े
  10. जो व्यक्ति अपने शरीर का ध्यान रखते हैं और अपने खानपान तथा अपने कपड़े पहनने का ध्यान रखते हैं लोग उनकी भी बहुत ज्यादा इज्जत करते हैं
Source : Sumit Gautam

रोल्स रॉयस कार से जुड़े रोचक तथ्य क्या हैं?

रोल्स रॉयस कार से जुड़े अनसुलझे रोचक तथ्य -

1. रोल्स रॉयस कार खरीदने के लिए बड़े से बड़ा बिज़नेस भी एक बार जरूर इसकी कीमत को लेकर विचार विमर्श करता होगा. परतु क्या आप जानते है ताईवान के रहने वाले एक 12 साल के बच्चे ने रोल्स रॉयस फेंटम कार खरीदी थी जिसकी कीमत लगभग 12 करोड़ थी.

2. रोल्स रॉयस को लेकर एक अफवाह यह भी है कि अगर आप रोल्स रॉयस (Rolls Royce) कार खरीदना चाहते है तो पहले कंपनी आपके इतिहास कि पड़ताल करेगी परंतु ऐसा बिलकुल भी नहीं है. अगर आपके पास पैसे है तो आप बेरोक टोक यह कार खरीद सकते है.

3. रोल्स रॉयस को फिनिशिंग देने में ही लगभग 7 से 20 दिन का समय लगता है. और इसमें लगने वाले पेंट का वजन लगभग 100 पौंड होता है साथ ही पेंट की 5 लेयर की जाती है.

4. आपको जानकर हैरानी होगी रोल्स रॉयस (Rolls Royce) के AC में लगभग 30 रेफ्रिजरेटर जितनी कूलिंग कि क्षमता होती है.

5. एक अफवाह यह भी है कि रोल्स रॉयस कार का उपयोग आप टेक्सी के रूप में नहीं कर सकते. परंतु यह अफवाह बिलकुल गलत है. आप रोल्स रॉयस (Rolls Royce) खरीदने के बाद जो दिल चाहे इस कार के साथ वो सब कर सकते है.
6. इस कार की शुरुवाती कीमत 4 करोड़ से शुरू होकर कस्टमर की सुविधा अनुसार कार के इंटीरियर में बदलाव किया जाता है जिस कारण RR कि ऊपरी कीमत का अंदाजा नहीं लगाया जा सकता.

7. क्या आप जानते है Rolls Royce कंपनी का नाम इसके दो पार्टनर मालिकों के नाम से लिया गया है जिनका नाम Charles Rolls व् Henry Royce है.

8. आपको जानकर हैरानी होगी इस कार को बनाने में अधिकतर कार्य रोबोट कि जगह हाथो से किया जाता है.

9. Rolls Royce कार को आर्डर देकर बनाया जाता है क्युकि इस कार का स्टॉक नहीं होता.

10. क्या आप जानते है Rolls Royce कार के बोनट पर लगा symbol कार स्टार्ट होने पर ही हुड से बाहर आता है और कार बंद हो जानें पर यह फिर से हुड में वापिस चला जाता है.

Source: Pawan Yadav

Tuesday, December 8, 2020

शेयर बाजार में पी/ई रेश्यो क्या है?

एक कंपनी है जिसने पिछले साल 10 करोड़ रुपये मुनाफा कमाया। इस कंपनी के कुल शेयर 10 लाख के करीब हैं। 10 लाख में से 5 लाख शेयर कंपनी के मालिकों के पास है और बाकी पब्लिक के पास।

खैर, कंपनी का कुल मुनाफा 10 करोड़ रुपये है। मतलब 10 लाख शेयर पर मुनाफा 10 करोड़ रुपये है।

इस हिसाब से 1 शेयर पर मुनाफा हुआ : Rs 10,00,00,000/1000000 = 100 रुपये। इसे हम EPS कहते हैं, मतलब अर्निंग पर शेयर।

मान लेते हैं की शेयर बाज़ार में इस कंपनी के एक शेयर की कीमत है 1200 रुपये।

एक शेयर पर कमाई है 100 रुपये लेकिन एक शेयर का दाम है 1200 रुपये। इसका मतलब कंपनी के शेयर अपनी कमाई से 12 गुना ज्यादा दाम पर बिक रहे हैं। इसी 12 गुना को हम कहते हैं PE रेश्यो।

एक शेयर का दाम / एक शेयर पर कमाई = PE रेश्यो

1200/100 = 12

PE सबसे बेसिक रेश्यो है, सिर्फ इसके बलबूते पर हम यह अंदाजा नहीं लगा सकते की किस कंपनी के शेयर खरीदने हैं और किसके नहीं खरीदने हैं।

Source : Abhirah Poonawala

Sunday, December 6, 2020

How do people get rich from stocks?

Hi Investors/ Traders ,

I have list of billionaires who are presently rich by investing:-

  1. Warren Buffet
  2. Rakesh Jhunjhunwala.
  3. Ramesh Damani
  4. Vijay Kedia and many more.

Here it is fact that you are not going to become rich with your monthly salaries unless you invest and generate compounding returns on your investments.

  • How to become millionaire by investing money in Indian Stock Market:-Invest in NIFTY50 stocks:- I will show you below example where you could have made 100% of returns if you have invested money before 12 months.

You can see on 23–03-2020 price was 975 and today on 25–11-2020 current price is 1980. More then 100% returns in few months.

  • Stock selection plays very important role while investing money in stock market if you able to invest in right stock then definitely it will turn in green after few months.
  • Here investors who became rich they invests always in blue chip stocks rather then penny stocks.
  • I have seen many people residing in UAE or USA but investing in Indian stock market they get returns of more then 50% and I am surprised to know that this is how they would able to invest in motels and restaurants that is there reinvestment. Profits they earned then reinvest in restaurants.
  • Compounding interest is something which initially is small but its multiplication will turn your investment in lacs.
  • Stop buying apple phone and start buying apple stock that is called smart investment.
  • At initial level you have to grow trees to get fruits once your returns will start then you start living luxurious life. First invest your time to research how could you multiply your savings.
  • Warren buffet has always invest his money in a way where he will gain fruitfull returns. You must start growing your seeds. Stock selection and fundamentals requires lot of experience where you need to hire any research analyst or you must spent some time to research about stocks.
  • Patience is the key to get profit from stock market. Here if you will hurry then you may loose your capital.
  • Entry and exit levels are very important in trading in stock market a wrong entry can lead you to loss or can stuck your position.
  • Mutual funds and SIP’s are good option but that will give you long-term returns so better go for direct investment along with that.

Thank You!!

Source : Praveen Madison

Wednesday, November 25, 2020

What should I absolutely not do when visiting the USA?

1. Don't get out of the car without permission if you are being chased by the police. Always sit in your seat, put your hands on the steering wheel, and wait patiently.

2. Don't say “13,” “Friday,” or “3,” because Americans believe these numbers and dates are symbols of bad luck and disaster.

3. Don't intentionally not tip, as this can be embarrassing for both parties. Usually, cabs and restaurants require a 10%-15% tip, and hotels also require a $1-2 per day tip for baggage handlers and room attendants.

4. Don't ask someone's age and the price of personal items. And don't say, "You've gained weight." when you meet the others. Because this is all a personal matter.

5. Don't send watermelon, fried chicken, or soda to black people. It's rude.

6. Don't take pictures or make recordings on private property without permission, it's an invasion of privacy and can be a serious legal problem.

7. Don't publish photos of children. Images of minors should not be published without parental permission.

8. Don't gamble at home, it is against the law to gather for private gambling. How you gamble is legal and welcome in the casino.

9. Don't eat in the subway or walk between cars, and carry-on bags should not occupy seats.

10. Don't take pictures with people in dolls' clothes downtown, you will be blackmailed.

11. When you're on the streets and someone offers to give you a CD, don't take it and pay for it!

12. We respect freedom of speech, but try not to discuss religion or politics, especially with people you don't know well.

Source: Linda Collins

Saturday, November 21, 2020

What is the best advice for girls?

If we see current situations, their safety is the biggest concern right now. Predators are everywhere, they can sell your privacy easily. Nowadays, camscam is very common. Spying on girls is a new scam around us.

Generally, changing rooms have very high risks for this scam. Spying cases are increasing day by day in our country.

Representative image source: Google

There are some ways to protect yourself. While entering the changing room, one should make sure there is no hidden camera there.

So, how to check it?

When you enter the changing room, first of all, notice your mobile phone networks, because most of spy cameras are wifi oprated and it gonna block other nearby signals. If your phone loses the networks there could be a hidden camera. You can check it by simply making a call.

Then have a look on mirrors around you. Mostly hidden cameras are behind two way mirror.

Touch it.

If there is a space between your finger and its image then it is a real mirror. But if there is no space between your finger and its image then its a two way glass, means someone can stare at you through it.

Now, turn off the lights and see if there is any small LED around you, It may be a camera. Remember, it can be anywhere

(mainly on less noticable points)

Check every sharp points like buttons, screws, switches, corners, lamp, mirror edge, hangers etc etc. This how they hide cameras.

So, be a little bit aware before using public toilets and changing room next time.

Next step is about self defense, there are some basic tricks you can learn for your self defense in extreme conditions.

If you notice someone is following you in the way, then don't get panicked. First of all, walk fast and try to go at a safe place.

If he/she is able grab you and catches you, then hitting him at soft body parts will help you most.

Hitting on eyes, lips, nose, between the legs works really good. Remember, a strong kick between his legs can make him sleep for hours.

You can also use a nail cutter and keys of your scooty or car, (like this)

Once he is down on the ground you can hit him more or simply run away from that place. Just handle it according to situations.

Third,(last but not least), Guide your juniors;

If you have younger siblings, teach them some basic things. Tell them where to go and where not, teach them about good and bad touches. Ask them gently if they are facing something wrong. In our country, generally parents hesitate to teach these basic things to their children, but we are aware we can teach them.

Thursday, November 19, 2020

What pictures show the stark difference between Donald Trump and Obama?

Trump doesn't care what others say about his personal life

However, at least 26 women have accused Trump of sexual misconduct, including his ex-wife, Ivana Trump.

Donald Trump and his former wife, Ivana, pose outside the Federal Courthouse after she was sworn in as a United States citizen in May 1988.

In fact, in a 1990 divorce deposition, Ivana Trump (the mother of his three eldest children) accused him (then-husband) of raping her in 1989.

Rachel Crooks, left, Jessica Leeds, center, and Samantha Holvey accused Trump for sexual misconduct (Photo: a news conference, Monday, Dec. 11, 2017, New York).

Barack Obama attends Harvard Law School.

A Harvard graduate; and president of the Harvard Law Review.


The Obamas.

People’s president

Thursday, November 10, 2016

Donald Trump elected 45th President of United States

Billionaire-turned-politician Donald Trump has been elected the 45th President of the United States. The Republican party candidate secured the support of 276 of the 538 members of the electoral college, beating Democratic party rival Hillary Clinton. President-elect Trump will formally take charge of the Oval Office on January 20, 2017, dubbed as the 'Inauguration Day'.
Initially, the Indian citizens who were indeed watching the election with incredulity, did not have very strong opinions about any of the candidates. This is mainly because this year’s campaign was fought more on scandals than on policies which include historical load and the diaspora. But if one has followed the campaigns closely, it can be said that the outcome of this election will affect trade ties between America and other countries. But if it will affect India, is debatable, as Indian economy is already doing very well, along with the fact that our foreign policies regarding each other are so strong that leaders cannot change that effectively for a long time.

At BA, We congratulate the newly elected  American President Donald Trump and we hope that the Ties between India and US will be strengthened and we expect to have camaraderie among our leaders and The people in general.  


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