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Showing posts with label students. Show all posts
Showing posts with label students. 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?

Wow!

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, etc..be 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

Monday, January 18, 2021

सच्चाई पर आधारित मनोवैज्ञानिक तथ्य कौन से हैं ?

  1. बहुत बार सामने वाला इंसान आपकी बात का इसलिए जबाब नहीं देता क्योंकि उसे लगता है कि आप उसे समझने के लायक नहीं है।
  2. यदि कोई व्यक्ति छोटी छोटी बातों पर भी ज्यादा हँसता है तो वो अपने आप को अंदर से अकेला महसूस करता है।
  3. आप जितने ज्यादा ठन्डे कमरे में सोयेंगे, रात को उतना ही डरावना सपना आने का चांस बढ़ जायेगा
  4. सोने से पहले जिस आखिरी व्यक्ति का ख्याल आपके मन में आता है, वो आपकी ख़ुशी या दुःख का कारण होता है।
  5. अध्ययनों द्वारा यह पता चला है की महिलाएं औसतन 47 घंटे और 15 मिनट से ज्यादा किसी भी सीक्रेट बात को अपने तक नहीं रख सकती हैं।
  6. अगर आप हमेशा यही चिंता करते रहेंगे कि “लोग क्या सोचेंगे” तो आप कभी भी खुश नहीं रह सकते।
  7. जो इंसान सबको खुश करने की कोशिश में लगा रहता है, आखिर में वो सबसे ज्यादा दुखी होता है।
  8. यह देखा गया कि दूसरों पर पैसा खर्च करने से ज्यादा ख़ुशी मिलती है बजाये अपने आप में खर्च करने के।
  9. एक मनोविज्ञान अध्ययन में पाया गया है की वो करोड़पति जिन्होंने अपनी संपत्ति को खुद कमाया है, वो उन लोगों की तुलना में अधिक खुश हैं, जिन्हें यह विरासत में मिला है।
  10. अगर आपने अपने प्लान या योजनाएं किसी को बताई तो उनके पूरे होने की संभावना न्यूनतम होती है। इसलिए कहते हैं काम पूरा होने से पहले किसी को बताना नहीं चाहिए
Source : Shami 

Sunday, January 17, 2021

What are 5 basics of finance/investment I should know as a 25 y/o?

  1. Now is the right time
  • Now is always the right time in markets
  • The markets started 1900 at around 66. They hit 26,600 this year
  • Don’t try to time markets
  • Don’t confuse volatility and stability

2. Anybody can become a millionaire on a middle-class income

  • The evidence is clear

3. Be an investor not a speculator

  • Be long-term
  • Read about asset allocation and fees

4. Spending habits are key

  • They are more important than income
  • Anybody can become broke

5. Read the evidence

  • The most important thing
  • 98% of people haven't read it
  • Base your decisions on the evidence and not emotions

Also remember, that wealth is just income - expenditure x compounded returns. Work on all three in tandem. For example, save money on your rent and auto insurance renewal, reinvest it, and it all compounds. Avoid divorce as it destroys half of your wealth etc.

Source : Adam Fayed

Wednesday, January 13, 2021

Is an MBA really worth the money?

It is in my opinion one of the best investments of my life. This is what you will get.


1.A Global high quality Accredited MBA ensures quality and global acceptance.

2.Deep Domain Knowledge on the specialisations of Finance, Marketing, HR, Operations, Project Management, Product Management, Leadership, Entrepreneurship, Luxury Management which will allow you to get a job in your chosen sector given these courses are Industry designed and endorsed

3. Develop Soft skills like Team Building, Leadership, Negotiation, Dealing with Ambiguity, Working under Pressure, Communication, Agility & Adaptability, Grooming & Business Etiquette, Self Accountability, Networking, Commitment to Deadlines, Conflict Management, Critical Thinking, Analytical ability, Leadership, Collaboration and Team work, EQ & Emotional Management, Empathy, Self Improvement, Embracing Change, Innovation and Out of the Box Creative Thinking, Productivity & Goal Setting, Sportsmanship, Problem Solving, Entrepreneurial Thinking, Professional skills like Time Management and overall Professionalism, which will allow you to thrive and flourish in Industry and create your reputation.

4. Global Exposure - You would have had abundant opportunities to experience global management practices and study in multiple locations. This makes you a global citizen, with the ability to manage complex cross cultural issues.

5.Amazing Network. You will build a network of students and be part if a global Alumni body world-wide as they say your NETWORK is your NETWORTH.

6. Value systems: You will be embued with value systems of which are enduring and timeless. These will be the foundations of a solid management career and help you stand out in the Industry.

7.Practical learning - Experiential learning - you will learn by doing as Management is the art and science of learning from doing. From Making trading decisions in real time across assest classes across continents, leading a division of a company, global project management workshops, simulations, corporate mirroring, live projects, dynamic case blazer and case studies will all make you a hands on manager ready to make decisions and deliver instant value to the business.

8. Placements - Several top companies visit campus every year to select talent. Multiple interview opportunities are offered to students to land ther dream job.

9. Direct Exposure to CEOs and Business Leaders - You will get to interact with CEOs in the allowing you to imbibe the CEO traits with direct access to business leaders.

10. Global Knowledge sessions - You will get insights on Economics and Global geo politics which impact our world from experts.

11. Working under pressure - Every week there will be a quiz or presentation, which will ensure you are on your toes and able to cope with the corporate pressures.

12. Mock Drills and workshops with leading experts. Every year before the onslaught of corporate interviews you will be trained to give high impact Interviews and you will have several rounds of mock interview drills. As we beleive 'IT IS BETTER TO SWEAT IN PEACE THAN BLEED IN WAR'. This ensure a great kick start into your career.

13. Global and Indian Internships are provided to you and give you an understanding of the demands of Indian and global industry.

14. You will acquire a Globally accepted Degrees and contemporary Curriculum, which will enable you to speak a new language and greatly enhance your reputation.

15. Life long relationships - you will also get to enjoy your studies with regular parties, fun events which will foster life long friendships,

16.Become a Global citizen after you pass out as you experience a totally UNIVERSAL experience on Campus. From understanding and reacting to global market and geopolitical news that impact your real time positions across continents or experience foreign faculty, foreign staff on campus, to global internships and global project management workshops in Europe.

Source : Tarun Anand 

Saturday, January 9, 2021

What should you never try in life?

  1. Never eve-teasing anyone.
  2. Never tell your secrets and your weakness to anyone.
  3. Never try to break the trust of anyone.
  4. Never avoid your health.
  5. Never put work over family or friends.
  6. Never spend more than you earn.
  7. Never be judgmental.
  8. Never forget who helped you in tough times.
  9. Never quit your dreams.
  10. Never try smoking.
  11. Never try drinking alcohol.
  12. Never take drugs.
  13. Never be jealous of someone's achievements.
  14. Never Yell at your parents.
  15. Never hurt animals.
  16. Never Lie to yourself.
  17. Never spend what you don’t have.
  18. Never date someone just to have fun.
  19. Never doubt your capabilities and abilities.
  20. Never compromise your career for a relationship.
Source : Mukul Chauhan

Tuesday, January 5, 2021

कुछ मनोवैज्ञानिक तथ्य क्या हैं जिन्हें लोग नहीं जानते हैं?

1) 16 से 28 वर्ष की आयु के अवधि में जो किसी से भी दोस्ती होती है वह मजबूत और लंबे समय तक चलने की संभावना होती है

2) जो लोग खासतोर पर अच्छी सलाह देते हैं वह अधिक समस्याओं में होते हैं

3) जो व्यक्ति जितना होशियार होगा उसके सोचने की क्षमता भी इतनी तेज होती है लेकिन उसकी लिखावट बेकार होती है

4) अगर अगर आप अपने प्रेमी का हाथ पकड़ते हैं तो आप बहुत कम दर्द महसूस करते है और इस स्ट्रेस भी खत्म हो जाता है।

5) अगर कोई व्यक्ति सामान्य स्थिति में बहुत अधिक होता है तो वह अंदर से बहुत दुखी और परेशान होता है

6) psychology facts in hindi और सामान्य स्थिति में कोई व्यक्ति अत्यधिक भोजन खा रहा है तो वह भी तनाव का शिकारी होता है

7) कोई व्यक्ति अगर छोटी-छोटी बातों पर हंसता है तोअसल जिंदगी में वह अकेला होता है

8) अगर आप किसी महिला को अपना सीक्रेट बात बताते हैं तो वह सिर्फ 48 जानते से कम समय में अपने करीबियों को बता देते है

9) पुरुष की तुलना में महिलाओं के शरीर में दुगना दर्द और स्ट्रेस होता है और दर्द सहने की क्षमता पुरुषों से दुगनी होती है

10) जो लोग अत्यधिक अच्छी सलाह देते हैं वह खास तौर पर अधिक समस्याओं में से निकले होते हैं

युवाओं को उनके स्वास्थ्य के बारे में आपकी क्या सलाह है?

पहले मै अपने बारे में बता दू, ये मै ही हूं

जो आज तक कभी gym नहीं गया, कभी प्रोटीन नहीं खाया, कभी 4–5 किलो दूध नहीं पिया, पर किया है तो कठोर परिश्रम और लड़कियों से दूरी बरती है। हालाकि आपको दूरी अपनी teeneage में बरतनी है, क्युकी उस वक्त आपको जिस चीज की आदत पड़ गई, उसी की लत लग जाएगी। ताउम्र के लिए। और नशे से नहीं, नशेड़ी से दूरी बरतना।

अब मै बताता हूं, ऐसा कैसे सम्भव है।

1-) अपने को HULK ya THOR समझो, और दिमाग में अपनी एक image बना लो, उसके बारे में सोचते रहो, जब भी खाली टाइम मिले,

नहीं तो बेटा पोर्न ही देखोगे, और 61–62 ही करोगे, छत पर जाकर।😉

यहां क्या concept है?

दरअसल हमारा दिमाग ऐसा बच्चा है, हुए कोई चीज चाहिए, व्यस्त रहने के लिए, नहीं तो ये अपने enjoyment के शॉर्टकट्स खोजने लगता है। जैसे_ लड़कियों की fingure dkh कर, कुछ कुछ सोचेगा। अगर तभी आप अपने आसपास के किसी रहीस की घर, गाड़ी, बंगले को देखो और खुद से कहो, "देख बेटा एक दिन इससे आगे निकलना है तुझे, फ़ालतू के कामों पर ध्यान मत दे"

मै शर्त लगा कर, कह सकता हूं, आपका मोजो तुरन्त शांत हो जयेगा।

2-) आपके हीरो/आइडियल ( स्वामी दयानंद सरस्वती जी, स्वामी विवेानन्द जी, जैसे लोग होने चाहिए) न की आजकल के चरस फूकने वाले नेपोकिड्स,

And lastly bhai, jo bhi युवा/युवतियां हर वकत सेक्स के बारे में सोचते रहते है, तो सुनो ये तो काम हर जीव करता है, क्या तुम सिर्फ अपना वीर्यपतन करने के लिए पैदा हुए हो, दुनिया में । सोचो विचारो।

और अकेले मत रहो। और ज्यादा ही गर्मी है तो exercise करो पसीना बहाओ।

Source : Sandeep Pal

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

Monday, December 7, 2020

What things should I never do?

Image source: Google

  1. Never compare your sex life with po*n videos. Bec'z po*n videos are totally fake.
  2. Never Trust easily on anyone. Bec'z Trust is the most fuc***g word of this era.
  3. Never share your password of social media accounts, email, Internet Banking, and ATM pin\CVV number with anyone.Never
  4. Never get involved in sexual activities till you are not serious in your relationship.
  5. Never believe on that girl\boy who have lots of relationship in their past. They can easily manipulated you by crying their bad past.( Exception is everywhere)
  6. Never underestimate failure.Only a failure gives you the proper perspective of success.
  7. Never trust those whom you met online never trust them. Bec'z you'll never get to know what they have in their mind.
  8. Never be sad for losing someone. bec'z God removes that people from your life because he heard conversations that you did not hear.
  9. Never try to hurt your parents. They have lots of expectations from you.
  10. In any fucking situation, Never think about ending your life. Your life is started by god. Only god will end your life.

Thank you

Use Helmet:)

Source : Manish Kumar

Sunday, December 6, 2020

बचपन की यादें ताज़ा करने वाली कुछ तस्वीरें

जी हाँ कुछ तस्वीरें है जो हमें बचपन की यादें ताजा कर देंगी

याद है या भूल गए

काश वो बचपन के दिन फिर से लौट आते, अगर बचपन में ही पता होता की बड़े होने में बहोत उलझने हैं । तो हम कभी बड़े ही न हुए होते

उम्मीद करता हूँ आपको भी अपने बचपन की थोड़ी याद तो आई ही होगी ।

धन्यवाद्

चित्र स्त्रोत : गूगल

Tuesday, November 24, 2020

What are some psychological facts about love?

  1. A crush lasts for a maximum of four months. If it exceeds, you’re in love.
  2. It takes about 4 seconds for silence to become awkward.
  3. 64% of people change their looks after a breakup.
  4. It takes the typical person 17 months and 26 days to get over an ex.
  5. Girls who trust their fathers have better communication and trust with their boyfriends.
  6. Women feel loved when talking face to face. Men feel loved when talking side by side.
  7. 2 in 5 women suffer from anuptaphobia, the fear of never finding love.
  8. A man has more chances to attract a woman if he wears the colour blue.
  9. 80% of Americans say they would marry the same woman if they had to do it all over again.
  10. Cuddling triggers a reaction in the brain similar to taking pain killers.
  11. Mimicry is a sigh of attraction. Try mimic the gestures of your crush, it should make them feel closer.
  12. If you have a fight with your partner and cannot control your emotions, brush your teeth with the wrong hand. It will force your brain to work differently and your self-control will improve.
  13. Though they refuse to admit it, men enjoy cuddling just as much as women do. I felt that.
  14. A man is more likely to get a woman’s phone number if he’s accompanied by a dog.
  15. When a man is in a room full of people he will point his belly button towards the person he is most attracted to.
  16. When a woman walks into a room, she is considered more attractive if she turns her eyes directly towards a certain man.
  17. Tilting your head to the right and slightly up makes you look more attractive.
  18. Men tend to overestimate women’s interest in them, and women tend to underestimate men’s interest.
  19. More than half of people who believe in love at first sight have already experienced it.
  20. Humor is associated with honesty and smartness, which is why women are more attracted to men who have a good sense of humor.

Source : Reven Lee

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.

Saturday, November 7, 2020

टॉपर्स पढ़ाई कैसे करते हैं ?

1. उनको पता होता है कि कब पढ़ना है और कितना पढ़ना है। यकीन मानिए वह भी पढ़ाई को टालते रहते हैं लेकिन फिर किसी भी तरह पढ़ाई जरूर करते हैं।

2. वो कुछ नया सीखने के लिए पढ़ते हैं न की परीक्षा के लिए याद करते हैं।

3. पढ़ते वक्त किसी भी इलेक्ट्रॉनिक डिवाइस या फिर ऐसा जो उन्हें डिस्टर्ब कर सकता है उसे अपने कमरे से बाहर रखते हैं।

4. वह हर घंटे 45 मिनट पढ़ते हैं और 15 मिनट का ब्रेक लेते हैं।

5. वह अपनी इमैजिनेशन स्किल्स से विषय को गंभीरता से समझते हैं।

6. वह इसलिए नहीं पढ़ते हैं कि उन्हें पढ़ना है बल्कि वह इसलिए पढ़ते हैं क्योंकि भविष्य में उन्हें सफल बनाना है।

7. उनके स्टडी गोल्स बहुत क्लियर होते हैं।

8. वह 80/20 सिद्धांत को इस्तेमाल करते हैं। उन्हें पता है 20% सिलेबस से 80% सवाल पूछे जाते हैं।

9. वह अपने सिलेबस की किताबों से हटकर कुछ दूसरी किताबें भी पढ़ते हैं जिससे पढ़ने को लेकर उनकी रूचि और प्रगाढ़ होती चली जाती है।

10. उनके पास एक मजबूत "क्यों" होता है जिससे उन्हें अविश्वसनीय मेहनत करने के लिए मोटिवेशन मिलता है!

Source : Newspaper Archive

Sunday, November 1, 2020

हॉलीवुड की बेहतरीन कॉमेडी मूवीज कौनसी है जिन्हें परिवार के बिना ही देखा जा सकें?

हॉलीवुड की ये 8 'एडल्ट कॉमेडी' मूवी आप देख सकते हैं,

द डिक्टेटर। (2012)


अमेरिकन पाई।

इस मूवी के 4 पार्ट हैं,

  1. अमेरिकन पाई 1 (1999)
  2. अमेरिकन पाई 2 (2001)
  3. अमेरिकन वेडिंग। (2003)
  4. अमेरिकन रीयूनियन। (2012)

द गर्ल नेक्स्ट डोर। (2004)


रोड ट्रिप। (2000)


बोरैत। (2006)


बैचलर पार्टी। (1984)


यूरो ट्रिप। (2004)


फ्रेंड्स विथ बेनिफिट्स। (2011)

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