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    Amazing Personal Finance Tips by Ian Filippini of Filippini Financial Group

    The personal finance experts like Ian Filippini of Filippini Financial Group are pushing for consumers to understand the importance of saving more and spending less. One the other side, the sellers are expecting you to pay more. They bang upon the impulse purchase trend like ‘once in a lifetime offer'. And invariably they urge you to act immediately as if not to lose a golden egg. It may appear to be a simple concept to incorporate the saving idea into your life and not to fall into the trap of unearthly promises.

    Amazing Personal Finance Tips by Ian Filippini of Filippini Financial Group

    Posted by Aman Verma No comments

    The personal finance experts like Ian Filippini of Filippini Financial Group are pushing for consumers to understand the importance of saving more and spending less. One the other side, the sellers are expecting you to pay more. They bang upon the impulse purchase trend like ‘once in a lifetime offer'. And invariably they urge you to act immediately as if not to lose a golden egg. It may appear to be a simple concept to incorporate the saving idea into your life and not to fall into the trap of unearthly promises.

    5 Things Not to Do After a Car Accident


    The best way to avoid a car accident is not to bring your vehicle on the road, which isn’t possible. No matter how careful a driver you are, car accidents happen. While you all know what to do after you meet with a car accident— checking the car for damage or calling for help— but do you know what NOT to be done after an accident? Here are the top five things not to do after a car accident:   

    5 Things Not to Do After a Car Accident

    Posted by Aman Verma No comments


    The best way to avoid a car accident is not to bring your vehicle on the road, which isn’t possible. No matter how careful a driver you are, car accidents happen. While you all know what to do after you meet with a car accident— checking the car for damage or calling for help— but do you know what NOT to be done after an accident? Here are the top five things not to do after a car accident:   

    Why is Car Insurance Mandatory?

    With the steady increase in road accidents leading to damage to both the vehicles and people involved, the Government saw that it was necessary to intervene.

    Why is Car Insurance Mandatory?

    Posted by Aman Verma No comments

    With the steady increase in road accidents leading to damage to both the vehicles and people involved, the Government saw that it was necessary to intervene.

    Bohra Women Speak Out Against FGM

    Female genital mutilation has long been recognized as a violation of human rights. International human rights organizations such as the UN and Unicef along with the World Health Organization and Forward have been vocal in denouncing the cruel practice. While widespread cases have been reported in Africa, though, it’s always been a well-kept secret in countries like Pakistan, Sri Lanka, and India. It’s also practiced in many parts of Indonesia. 
    India’s small Muslim community, Bohras, continues the practice up to this day.

    The Bohras

    The Bohras are part of a Shia sect that originated from Yemen and settled in the country around the 16th century. Today, Bohra populations are found mostly in Maharashtra and Gujarat. And cases of FGM abuse in these regions continue. Population-wise, the Bohras are about a million, with the Dawoodi Bohras holding the distinction for being one of the most educated in the country. However, their continued practice of FGM puts the sect under the scrutiny of various human rights groups. And after years of suffering in silence or anonymous protests, Bohra women are finally fighting back, reports Divya Bhaskar on Gujarati news live.

    Changing the Future

    Masoma Ranalvi recounts the trauma of being subjected to female genital mutilation at the age of seven. Along with other Bohra women, she launched a Change.Org petition to ask the government to put an end to the inhumane practice. Ranalvi argues that the thought that women shouldn’t enjoy sex or that ensuring women don’t enjoy sex to make sure she doesn’t stray is an idea that smacks of patriarchal bigotry. In 2012, the UN General Assembly already submitted a resolution to put an end to FGM across the world. That resolution was key in influencing many countries to ban the practice. 
    But no such law exists in India and the Bohras still subject their children and women to the practice, locally known as khatna or female circumcision. That is, until Change.org’s petition last month. The organization seeks to change the law in order to have the practice banned for good. 
    Some believe that FGM exists because no one ever questions it. Well, the group’s message is loud and clear: they want it to stop and they want it to stop now.

    The Harmful Effects

    FGM leads to a host of harmful effects. There’s the psychological damage and trauma from the experience. More pressing and alarming, though, is the risk and possibility of sexual damage. Since the practice is often done by people who have no clinical or medical training, life-threatening complications can arise. Accounts of women bleeding to death after being subjected to FGM or developing sexual diseases run rampant. Given the harm inflicts, it’s no surprise that the Change.Org’s petition has been met with no less than 1,800 endorsements in less than 2 days, since it was released on Tuesday. The letter holds the signatures of 16 women, all members of the Dawoodi Bohra community, who underwent the practice as children. It marks the first time women have openly signed a petition. In the past, the community has been tightly close-lipped about the practice. The petition will go a long way in ensuring the practice is talked about and debated, and eventually, terminated. 

    Bohra Women Speak Out Against FGM

    Posted by Aman Verma No comments

    Female genital mutilation has long been recognized as a violation of human rights. International human rights organizations such as the UN and Unicef along with the World Health Organization and Forward have been vocal in denouncing the cruel practice. While widespread cases have been reported in Africa, though, it’s always been a well-kept secret in countries like Pakistan, Sri Lanka, and India. It’s also practiced in many parts of Indonesia. 
    India’s small Muslim community, Bohras, continues the practice up to this day.

    The Bohras

    The Bohras are part of a Shia sect that originated from Yemen and settled in the country around the 16th century. Today, Bohra populations are found mostly in Maharashtra and Gujarat. And cases of FGM abuse in these regions continue. Population-wise, the Bohras are about a million, with the Dawoodi Bohras holding the distinction for being one of the most educated in the country. However, their continued practice of FGM puts the sect under the scrutiny of various human rights groups. And after years of suffering in silence or anonymous protests, Bohra women are finally fighting back, reports Divya Bhaskar on Gujarati news live.

    Changing the Future

    Masoma Ranalvi recounts the trauma of being subjected to female genital mutilation at the age of seven. Along with other Bohra women, she launched a Change.Org petition to ask the government to put an end to the inhumane practice. Ranalvi argues that the thought that women shouldn’t enjoy sex or that ensuring women don’t enjoy sex to make sure she doesn’t stray is an idea that smacks of patriarchal bigotry. In 2012, the UN General Assembly already submitted a resolution to put an end to FGM across the world. That resolution was key in influencing many countries to ban the practice. 
    But no such law exists in India and the Bohras still subject their children and women to the practice, locally known as khatna or female circumcision. That is, until Change.org’s petition last month. The organization seeks to change the law in order to have the practice banned for good. 
    Some believe that FGM exists because no one ever questions it. Well, the group’s message is loud and clear: they want it to stop and they want it to stop now.

    The Harmful Effects

    FGM leads to a host of harmful effects. There’s the psychological damage and trauma from the experience. More pressing and alarming, though, is the risk and possibility of sexual damage. Since the practice is often done by people who have no clinical or medical training, life-threatening complications can arise. Accounts of women bleeding to death after being subjected to FGM or developing sexual diseases run rampant. Given the harm inflicts, it’s no surprise that the Change.Org’s petition has been met with no less than 1,800 endorsements in less than 2 days, since it was released on Tuesday. The letter holds the signatures of 16 women, all members of the Dawoodi Bohra community, who underwent the practice as children. It marks the first time women have openly signed a petition. In the past, the community has been tightly close-lipped about the practice. The petition will go a long way in ensuring the practice is talked about and debated, and eventually, terminated. 

    Six Essential Rules When Investing in Stocks

    stock market
    Anyone can invest – all it takes is money. Any amount of it, as well – with the right deal, you can invest your way from a paper clip’s worth of currency to a car, a house, and even a proper income with enough of a generated interest that you could live off of your investments for the rest of your life. 

    But that involves luck, brains, and the resilience to take your failings in stride, and stay cool when you strike gold. Here are six rules that you must follow to avoid complete failure in the investing world.

    1. Invest and Earn for a Passive Income

    If you plan on making yourself wealthier, you have to save. And what you save, you have to invest. Every penny not spent must go into assets that build a passive income – that is to say, real estate and royalties on books or music, and other assets with low taxation and high reward. 

    As the India Brand Equity Foundation notes, the Indian real estate market is in a boom, appreciating 19% in value annually between 2010 and 2014. On the other hand, as Gold.org shows, gold demand rose by 8% year-on-year in 2015. 

    2. Focus on Risk Assessment and Be Accurate in Your Calculations

    Don’t go by your gut – go by the math. Math is your best friend as an investor, and that involves looking at every investment with extreme scrutiny before making a choice. 

    3. Don't Chase after Markets, Be Cold in Your Choices

    Investing isn’t emotional work, and the rush of a smart investment gone right has no place in the mind of a successful investor. Focus on the facts ahead, or you may ignore a glaring issue simply because a certain market or start-up has captured you in its hype. 

    4. Don't Try and Hope to Predict the Future -- Simply Prepare for It

    You’re not an oracle, so it’s impossible to expect to see the future like one. Math can give you an advantage in telling the statistical probability of a business’ success, but in the end it’s absolutely key that you keep your risk low. Never gamble. That’s the key to a successful investment – never, ever gamble. Don’t go beyond your means – before you decide to take the risk, and fail, ask yourself if you can recover and get back to investing afterwards. If you can’t, then don’t do it. 

    5. As Much as Possible, Do Your Own Research

    While investment resources and information exchanges are useful – especially in the age of the Internet, where information pumps faster than any heart pumps blood – it’s even more important that you, as much as possible, keep your research to the facts. Don’t read opinion pieces or investment guides to particular companies for stock guidance, and take it without even a grain of salt. A newspaper like Money Bhaskar will be less biased and more informational instead. If you let yourself be swayed by outside opinion rather than the cold numbers, you open yourself up to losses. 

    6. Always Think in Terms of Risk and Reward

    That’s what it ultimately comes down to – your return on investment. If the failure of an investment is critical to your future, don’t invest. If the potential for success, however, reduces the eventuality of failure to a considerable extent, then you could consider the investment.

    Finally, simply get started! You won’t make any money by waiting around. For more investing tips and news, stay tuned to Money Bhaskar.

    Six Essential Rules When Investing in Stocks

    Posted by Aman Verma No comments

    stock market
    Anyone can invest – all it takes is money. Any amount of it, as well – with the right deal, you can invest your way from a paper clip’s worth of currency to a car, a house, and even a proper income with enough of a generated interest that you could live off of your investments for the rest of your life. 

    But that involves luck, brains, and the resilience to take your failings in stride, and stay cool when you strike gold. Here are six rules that you must follow to avoid complete failure in the investing world.

    1. Invest and Earn for a Passive Income

    If you plan on making yourself wealthier, you have to save. And what you save, you have to invest. Every penny not spent must go into assets that build a passive income – that is to say, real estate and royalties on books or music, and other assets with low taxation and high reward. 

    As the India Brand Equity Foundation notes, the Indian real estate market is in a boom, appreciating 19% in value annually between 2010 and 2014. On the other hand, as Gold.org shows, gold demand rose by 8% year-on-year in 2015. 

    2. Focus on Risk Assessment and Be Accurate in Your Calculations

    Don’t go by your gut – go by the math. Math is your best friend as an investor, and that involves looking at every investment with extreme scrutiny before making a choice. 

    3. Don't Chase after Markets, Be Cold in Your Choices

    Investing isn’t emotional work, and the rush of a smart investment gone right has no place in the mind of a successful investor. Focus on the facts ahead, or you may ignore a glaring issue simply because a certain market or start-up has captured you in its hype. 

    4. Don't Try and Hope to Predict the Future -- Simply Prepare for It

    You’re not an oracle, so it’s impossible to expect to see the future like one. Math can give you an advantage in telling the statistical probability of a business’ success, but in the end it’s absolutely key that you keep your risk low. Never gamble. That’s the key to a successful investment – never, ever gamble. Don’t go beyond your means – before you decide to take the risk, and fail, ask yourself if you can recover and get back to investing afterwards. If you can’t, then don’t do it. 

    5. As Much as Possible, Do Your Own Research

    While investment resources and information exchanges are useful – especially in the age of the Internet, where information pumps faster than any heart pumps blood – it’s even more important that you, as much as possible, keep your research to the facts. Don’t read opinion pieces or investment guides to particular companies for stock guidance, and take it without even a grain of salt. A newspaper like Money Bhaskar will be less biased and more informational instead. If you let yourself be swayed by outside opinion rather than the cold numbers, you open yourself up to losses. 

    6. Always Think in Terms of Risk and Reward

    That’s what it ultimately comes down to – your return on investment. If the failure of an investment is critical to your future, don’t invest. If the potential for success, however, reduces the eventuality of failure to a considerable extent, then you could consider the investment.

    Finally, simply get started! You won’t make any money by waiting around. For more investing tips and news, stay tuned to Money Bhaskar.

    Dress To Impress: Casual Wardrobe Staples For Men

    men dressing
    Ever been in a situation where you can’t decide what to wear? All the time? What you need to do is add single pieces of clothing to your wardrobe that act as the ideal base for the rest of your outfit. To put it simply, find clothes that go well with anything. 
    It’s difficult, not to mention frustrating, for guys to find out what’s in style, how to match it with other items. Sometimes it’s a nightmare deciding what to wear on a particular occasion. But if you include these items in your wardrobe, dressing casually will be a breeze. 

    Back To Basics


    A pair of black jeans is the most versatile piece of clothing you will ever own. You can wear it in practically any situation! 


    Going for a party? Slip on a polo T-shirt and black jeans. Meeting a couple of friends for a beer?

    Wear your black jeans with a contrast tee. Planning to rob a bank? Black jeans, a black sweater, and a mask would look great. 

    Whatever the occasion, a pair of black jeans is the ideal base to accentuate your look.

    Going Grey


    Let’s face it, everyone looks great in a grey sweater. It’s especially useful when you’re just lounging around, because that’s when you’re more relaxed and tend to end up looking shabby. 


    Ditch that old sweatshirt with the name of your college emblazoned on the back, and put on a grey sweater. It’ll lend an air of sophistication despite (or because of) it’s simplicity. 

    The Long And Short Of It

    A pair of chino shorts is the ideal fit for a warm, summery day. They’ll give you that minimalistic look, and they’re easy to pair with other wardrobe pieces. 

    They’re especially great if you’re looking forward to a bit of physical activity in your day. Comfortable and cool, this piece looks great with almost any kind of clothing, especially a sweater in muted tones or a bright hued polo t-shirt.                                                                                                

    Snazzy Semi-formals

    Make sure that you’ve got a checkered semiformal shirt in your collection of clothing. You can always wear one over a t-shirt and leave the front open. It’ll add a splash of colour to your outfit and give you that preppy, athletic look.


    You could even wear it with your black jeans for a more formal look, or with a pair of beach shorts when you’re visiting the beach. It’s versatile and will add a hint of colour and interest to any ensemble.

    Smooth Sneakers

    For the final addition to your wardrobe, you’ll need a pair of sneakers. It’s the best investment you’ll ever make, because sneakers can really elevate your outfit and give it an offbeat touch. They go well with trousers and shorts, and give you a more wholesome appearance. 

    Whether it’s a pair of puma shoes for men or any other type of sneakers, you need to add a pair to your wardrobe. You can visit Rediff.com to find some excellent deals on sneakers. 

    These are a few of the items that you can add to your wardrobe to ease your clothing decisions. They’re easy to couple with other items of clothing and will take your casual look to the next level. 

    Dress To Impress: Casual Wardrobe Staples For Men

    Posted by Aman Verma No comments

    men dressing
    Ever been in a situation where you can’t decide what to wear? All the time? What you need to do is add single pieces of clothing to your wardrobe that act as the ideal base for the rest of your outfit. To put it simply, find clothes that go well with anything. 
    It’s difficult, not to mention frustrating, for guys to find out what’s in style, how to match it with other items. Sometimes it’s a nightmare deciding what to wear on a particular occasion. But if you include these items in your wardrobe, dressing casually will be a breeze. 

    Back To Basics


    A pair of black jeans is the most versatile piece of clothing you will ever own. You can wear it in practically any situation! 


    Going for a party? Slip on a polo T-shirt and black jeans. Meeting a couple of friends for a beer?

    Wear your black jeans with a contrast tee. Planning to rob a bank? Black jeans, a black sweater, and a mask would look great. 

    Whatever the occasion, a pair of black jeans is the ideal base to accentuate your look.

    Going Grey


    Let’s face it, everyone looks great in a grey sweater. It’s especially useful when you’re just lounging around, because that’s when you’re more relaxed and tend to end up looking shabby. 


    Ditch that old sweatshirt with the name of your college emblazoned on the back, and put on a grey sweater. It’ll lend an air of sophistication despite (or because of) it’s simplicity. 

    The Long And Short Of It

    A pair of chino shorts is the ideal fit for a warm, summery day. They’ll give you that minimalistic look, and they’re easy to pair with other wardrobe pieces. 

    They’re especially great if you’re looking forward to a bit of physical activity in your day. Comfortable and cool, this piece looks great with almost any kind of clothing, especially a sweater in muted tones or a bright hued polo t-shirt.                                                                                                

    Snazzy Semi-formals

    Make sure that you’ve got a checkered semiformal shirt in your collection of clothing. You can always wear one over a t-shirt and leave the front open. It’ll add a splash of colour to your outfit and give you that preppy, athletic look.


    You could even wear it with your black jeans for a more formal look, or with a pair of beach shorts when you’re visiting the beach. It’s versatile and will add a hint of colour and interest to any ensemble.

    Smooth Sneakers

    For the final addition to your wardrobe, you’ll need a pair of sneakers. It’s the best investment you’ll ever make, because sneakers can really elevate your outfit and give it an offbeat touch. They go well with trousers and shorts, and give you a more wholesome appearance. 

    Whether it’s a pair of puma shoes for men or any other type of sneakers, you need to add a pair to your wardrobe. You can visit Rediff.com to find some excellent deals on sneakers. 

    These are a few of the items that you can add to your wardrobe to ease your clothing decisions. They’re easy to couple with other items of clothing and will take your casual look to the next level. 

    [Infographic] Rising Healthcare Cost and Statistics



    Image Source: www.icicilombard.com

    [Infographic] Rising Healthcare Cost and Statistics

    Posted by Aman Verma No comments



    Image Source: www.icicilombard.com

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