Bhavesh's Tryst

Little poems & notes created to break the mudane

Saturday, August 26, 2017

 

Interest calculation 82

*RULE 72*

*What is Rule 72?*

In personal finance, if you divide the number 72 by the rate of interest, you get to know the number of years it will take for you to double the money..
Eg: if the rate of interest is 9%, simply divide the number 72 by 9% and the answer is 8. Thus it will take 8 years to double your money if you invest at 9% p.a. rate of interest.

*INTEREST:* We can use this rule in reverse to know the rate of interest needed to double your money to achieve your set goal.
Eg: If you have 250k today and you need 500k in 5 years. Just divide the number 72 by 5, the answer is 14.41%. Thus you need a type of investment avenue, where you earn at least 14.41% p.a. as rate of interest/returns to double your investment amount in 5 years.

*INFLATION:*
This 'Rule 72' helps you to understand about inflation also. It helps you to calculate the amount of time it will take for inflation to make the real value of money half. Let's say present inflation is 5.5%. When you divide 72 by 5.5% the answer is 13.09 years.  That is to say, if you have 100k in your kitty today, it would take around 13.09 years for the value of the money to be halved..

Hope it helps you in your day to day investments and other finance related activities.

Friday, August 11, 2017

 

Pathri

પથરીના પથ્થરો 'ચૂર-ચૂર' થઈ જશે, ઘરે જ બનાવો *13*દવા.

દોસ્તો હુ
*પ્રફુલ પરમાર*
મને પણ પથરી હતી 
હવે મને મટી પણ ગઇ છે. 
અને તમારા સગામા હોય તો . 13 ઉપાય જરુર અપનાવો


મિત્રો ! પથરી થયા પછી તેનું દર્દ કેવું હોય તે તો એ તો પથરીનો દર્દી જ બતાવી શકે! ભલભલાને રડાવી નાખતા પથરીના પથ્થરો જો શરીરમાં કિડની, મૂત્રાશય, મૂત્રનળી કે પિત્તાશયમાં જામ્યા હોય તો તે વ્યક્તિનું જીવવું દુષ્કર બની જાય છે. રખે ને કોઈને આ પરેશાની થાય.

તમને લાગે કે તમને પથરીની સમસ્યા છે કે તમારા સંબંધીને પથરીની તકલીફ છે તો તેમની માટે લાખો-લાખોના ખર્ચે ઓપરેશાન કરતા પહેલા આ આર્ટિકલમાં આપેલ ઘરેલું ઉપચાર ચોક્કસ અજમાવી લેજો. જે વ્યક્તિને આ ઉપચાર અનુકૂળ આવી જશે તેમને ઝડપથી પથરીની સમસ્યાથી છુટકારો મળી જશે.

આગળ જાણો પથરીને ચૂર-ચૂર કરવાના 13 આસાન ઘરેલુ ઉપાયો….

1-ડુંગળીના રસમાં ખાંડ મેળવીને શરબત બનાવો અને પથરીના દર્દીને પીવડાવો. આ રસ ખાલી પેટે જ પીવો. મૂત્રાશય વાટે પથરી નાના-નાના કણ રૂપે બહાર નિકળી જશે. પરંતુ એક વાતનું ધ્યાન રાખવું કે આ રસનું સેવન વધુ ન કરવું.

2-કળથીનો સુપ બનાવી તેમાં ચપટી સુરોખાર મેળવી પીવાથી પથરી ઓગળી જાય છે અને પથરીને લીધે થતી ભયંકર પીડા મળે છે. કળથીનો બીજો ઉપાય છે જેમાં કળથી 50 ગ્રામ રાત્રે પલાળી રાખી, સવારે મસળી, ગાળી એ પાણી રોજ સવારે પીવાથી પથરી મટે છે.

3-મૂળાના બી ચાર તોલા લઈ અર્ધો શેર પાણીમાં ઉકાળો, અરધુ પાણી બાકી રહે ત્યારે ઊતારીને તે પાણી પીવાથી પથરી ઓગળી જાય છે.

4-ચાર ગ્રામ ગોખરુનું ચૂરણ મધમાં મેળવીને સવાર-બપોર-સાંજ ચાટવું અને એની ઉપર એકથી દોઢ કપ ઘેટીનું દૂધ પીવાથી એક સપ્તાહમાં પથરી તૂટી જાય છે. આ પ્રયોગ ફક્ત સાત દિવસ કરવાનો હોય છે.

5-પથરીના રોગમાં દર્દીને પપૈયાના થડની 20 ગ્રામ છાલને 200 ગ્રામ પાણીમાં લસોટી, વાટીને ગળી લો. દર્દીને જ્યારે જ્યારે તરસ લાગે ત્યારે આ પાણી આપો. આ પ્રયોગ સતત 21 દિવસ કરવાથી પથરી આપોઆપ ભાંગીને ભૂક્કો થઈ બહાર નિકળી જશે.

6-મકાઈના દાણા કાઢી લીધા પછી ખાલી ડોડાને બાળી, તેનું ભસ્મ બનાવી, ચાળીન આ ભસ્મ 1 ગ્રામ જેટલુ સવાર-સાંજ પાણી સાતે લેવાથી પથરીનું દર્દ અને પેશાબની અટકાયત દૂર થાય છે.

7-લીંબુના રસમાં સિંધવ-મીઠું મેળવીને ઊભા-ઊભા પીવાથી પથરી ઓગળી જાય છે. ગાયના દૂધની છાશમાં સિંધવ-મીઠું નાખીને રોજ ઊભા-ઊભા સવારે 12 દિવસ સુધી પીવાથી પથરી પેશાબ વાટે બહાર નિકળી જાય છે અને આરામ થાય છે.

8-ઘઉં અને ચણાને સાથે ઉકાળીને આ ઉકાળામાં ચપટી સૂરોખાર નાખી ઉકાળીને પીવાથી પથરી ભાંગીને ભૂક્કો થઈ જાય છે અને પેશાબ વાટે બહાર નિકળી જાય છે.

9- નારિયેળના પાણીમાં લીંબુનો રસ મેળવીને પીવાથી પથરીની તકલીફમાં રાહત થાય છે. રિંગણાનું શાક ખાવાથી પેશાબની છૂટ થાય છે. શરૂઆતની નાની પથરી ઓગળી જાય છે.

10- કારેલાંનો રસ છાશ સાથે પીવાથી પથરી મટી જાય છે.

11-પાલકની ભાજીનો રસ પીવાથી પથરી ઓગળી જાય છે.

12-કાળી દ્રક્ષનો ઉકાળો પીવાથી પથરી ઓગળી જાય છે.

13-દૂધીના બી પેશાબ સાફ લાવે છે અને પથરી તોડવામાં મદદ કરે છે.
🌋🗻🌐🌏🏡
આ પોસ્ટને ઓછા નામે એકવાર શેર કરજો કારણ કે દુનિયામાં ઘણા લોકો એવા છે જે પૈસા ના હોવાને કારણે જીંદગીભર દુખ સહન કરતા હોય છે. તેમના માટે આ ટીપ્સ સહાયક થઇ શકે.

Wednesday, August 09, 2017

 

50 Financial Mistakes and Illusions

*50 Financial Mistakes and Illusions*
( Which ones are you guilty of ?)

1. Just can't manage to fit our Expenses within our Income. And, even when the income increases, the expenses invariably rise much faster.

2. Generosity is in our blood. We happily pay 30-50% p.a. as interest charges to the Credit Card companies.

3. We respect our culture and old customs. We keep our money in the OUTDATED Bank Fixed Deposits.

4. Another example of respect for our tradition… creating a huge pile of (useless) gold jewellery.

5. Yet another example of holding our customs in high esteem… feeling proud if we can leave behind a "20-25 year old dilapidated property" for our children as a legacy [and not a "20-25 year old equity mutual fund portfolio"].

6. Spent more than half a lakh of rupees on a top-end smartphone — just to show off (even though we will not use even one tenth of its smart features).

7. Replaced the same top-end smartphone in just 6 months? Oops... wasn't it smart even after paying all that money? (Psst... the new model is no different from the previous one, except for some minor tweaks).

8. Haven't read the blog post 'My name is Insurance and I am not an investment'.

9. More than 50-60% of the monthly take-home pay is gobbled up and devoured by various loan EMIs.

10. Hotel and restaurant owners love you. You are found at these places, far more than even their most regular staff members.

11. For you (financial) PLAN is a four-letter insulting and derogatory word.

12. Believing that "budget" is only the Finance Minister's job, not ours.

13. Believing that "managing inflation" is RBI's problem, not ours.

14. Financial lethargy... not paying the bills by the due date (often resulting in late fees and penal interest).

15. Financial shortsightedness... thinking only of today or tomorrow; and not the next year or next decade.

16. Still waiting for the so-called BEST DAY to invest in equity mutual funds.

17. Never seen our Credit Report, even though it is now available free of cost... forget about working to improve the Credit Score.

18. The Emergency Fund account shows a Zero Balance.

19. 99% focus on earning money. Mere 1% attention on managing the same.

20. Never heard of (or not knowing the meaning of) "delayed gratification".

wasteful-money-habits
You may be blowing away your money due to carelessness and stupidity.

21. Repeatedly falling below the minimum average monthly balance in one's Savings Account.

22. Making our neighbours jealous with our extravagant lifestyle is our life's primary goal.

23. Replace is our motto. We don't believe in Repair and Reuse.

24. Blindly and needlessly chasing Maximum Returns from our investments.

25. You ask "what does this investment or financial product offer" instead of "how is this investment or financial product beneficial for me."

26. Investing in the world's biggest con job — a scheme that has the word "child" in it.

27. Paying Rs.150-200 for a cup of coffee, when the same stuff is available at 1/4th the price.

28. You suffer from 'investment paralysis' due to Fear of Loss.

29. Not having a 'professional' financial mentor as your friend, philosopher and guide.

30. Blissfully unaware that Gym is an expensive fad. Running, walking, yoga are free and superior alternatives to remain as fit.

31. IRR, YTM, CAGR are bouncers that simply go over your head.

32. You think you can beat Roger Federer.

33. SIP, STP and SWP is all mumbo jumbo for you.

34. Hear the word RISK and your legs go jelly with anxiety.

35. Hear the word TAX and again your legs go jelly with anxiety.

36. Spending Rs.250 on a pizza every week? No issues at all. Buying a Rs.250 book on personal finance even once a year? No, that's a waste of money.

37. In your opinion Stock Market is a Casino and buying equity shares is gambling.

38. If you think that ups and downs are good only at roller coaster rides; and not at the stock markets.

39. The word Pension is music to your ears.

40. Our portfolio is a carbon copy of Rakesh Jhunjhunwala.

41. The biggest gamble we play with our finances — no mediclaim policy.

42. THICK forms and FINE prints scare you.

43. Not yet realized that SUVs burn more fuel, burn more money, burn more environment (thus creating a hell for our children).

44. Not yet realized that Extended Warranties are almost always a waste of money.

45. You are more brand-conscious than price-conscious.

46. Pay for 400+ cable channels. Watch at most 10-12 of them (many of which are anyway free).

47. BUY TWO GET ONE FREE. One of the best ways to make money... for the mall owners.

48. We shamelessly (and foolishly) seek free financial advice and tips on hot stocks.

49. Buying lavish and luxurious Dream Homes, way bigger than our budgets (that often end up as bad dreams).

50. Our plate is often filled with pizzas, burgers, samosas, chips, colas and such other junk food.

51. We forget that "Trust" is an extremely rare commodity in the financial world.

Wednesday, August 02, 2017

 

How to learn to be happier?

Did you know that at Harvard, one of the most prestigious universities in the world, the most popular and successful course teaches you how to learn to be happier?__ The Positive Psychology class taught by Ben Shahar attracts 1400 students per semester and 20% of Harvard graduates take this elective course. According to Ben Shahar, the class - which focuses on happiness, self-esteem and motivation - gives students the tools to succeed and face life with more joy._This 35-year-old teacher, considered by some to be "the happiness guru", highlights in his class 14 key tips for improving the quality of our personal status and contributing to a positive life:

🚩Tip 1. * Thank God for everything you have: * Write down 10 things you have in your life that give you happiness. Focus on the good things!

🚩Tip 2. * Practice physical activity * Experts say exercising helps improve mood. 30 minutes of exercise is the best antidote against sadness and stress.

🚩Tip 3. * Breakfast: * Some people miss breakfast for lack of time or not to get fat. Studies show that breakfast gives you energy, helps you think and perform your activities successfully.

🚩Tip 4. * Assertive *: Ask what you want and say what you think. Being assertive helps improve your self-esteem. Being left and remaining silent creates sadness and hopelessness.

🚩Tip 5. * Spend your money on experiences..a study found that 75% of people felt happier when they invested their money in travel, courses and classes; While only the rest said they felt happier when buying things.

🚩Tip 6. * Face your challenges *: Studies show that the more you postpone something, the more anxiety and tension you generate. Write short weekly lists of tasks and complete them.

🚩Tip 7. * Put everywhere nice memories, phrases and photos of your loved ones *: Fill your fridge, your computer, your desk, your room, YOUR LIFE of beautiful memories.

🚩Tip 8. * Always greet and be nice to other people *: More than 100 inquiries state that just smiling changes the mood.

🚩Tip 9. * Wear comfortable shoes *: If your feet hurt you, you become moody, says Dr. Keinth Wapner, President of the American Orthopedics Association.

🚩Tip 10. * Take care of your posture *: Walk straight with your shoulders slightly backwards and the front view helps to maintain a good mood.

🚩Tip 11. * Listen to music * (Praise God): It is proven that listening to music awakens you to sing, this will make your life happy.

🚩Tip 12. * What you eat has an impact on your mood *:- Do not skip meals, eat lightly every 3 to 4 hours and keep glucose levels stable.- Avoid excess white flour and sugar.- Eat everything! Healthy- Vary your food.

🚩Tip 13. * Take care of yourself and feel attractive *:70% of people say they feel happier when they think they look good.

🚩Tip 14. * Frequently believe in God *: With nothing is impossible! Happiness is like a remote control, we lose it every time, we go crazy looking for it and many times without knowing it, we are sitting on top of it ...

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