We are aware of how environment, climate change is not only talk of the town but also, impacting world. What can we do so that we can change the scenario? How can our children will live with this environmental changes? All these questions are important and answered on priority. We provide our children good education, good food, things they want and much more. But have you thought of, our each and every action has impact on climate change.
To create happy world for our children, we have to do our little bit by saving natural resources, by using eco friendly products. Children are the future of any country. To save our mother nature, should be our utmost priority, then only we can provide a healthy environment to our bright children. I must share link of an app with you so that you may know how you can contribute to save mother nature and inspire others to do the same. This app has all the information and events are organised in which you can also participate.
Link is being shared with you all. Sometimes it’s important to act rather than just read and forget. I hope we are together in this too and create a happy and healthy world by doing our little bit and have an impact on others mindsets too.
Do download the app, have each and every information about climate change and what the world is doing, what you can do. Be the change for our children. Give them the gift of nature.
Our day starts with eating our breakfast, the most important meal of the day. We should eat proper breakfast, you may have read or heard and that’s right too. But what we do is, either skip our breakfast because we have to reach office on time or eat outside food so that we save time preparing our home cooked breakfast. What type of food we are eating will make us healthy or unhealthy in future. So, having healthy meal is the only option you have, if you are concern about your and your families health.
When we were in school, we were taught about balanced diet. Let’s follow the basics. In this fast world, the lifestyle of people have changed a lot. We see so much eating joints catering fast food, Continental, Indian, Mughalai, Italian, Chinese etc. you name it and they have it. All the dishes are available all over the globe. Children love to have fast food more but consequences after consuming it are harsh. It’s necessary to provide home cooked food more often than outside food.
The preparation or dishes which we make at home are more hygienically made than at any street food seller or eating cart. It is because the vegetables, spices, oil, and other food items used in it are of good quality and selective. On the other hand vegetables and fruits which a street food seller uses is bought in bulk and can be of bad quality at times. I also loved street food and eating out but it has health hazards. The food prepared at home is healthy, nutritious, tasty, and the recipe of it is unique. We all non- vegetarians make chicken at home but the taste will be different of each recipe.
My recent short trip has made me divert my liking from outside food to home cooked food. Just visit any street food seller and try to see what things they are using and if you will be making same thing at home were you not using superior quality items? We intentionally ignore these things as it seems more tasty to our taste buds. There are some people who due to their jobs or studies are living far from their home, they may be more dependent on these easily available, cheap street food ,but it’s not good at all for health. Try to seek home cooked food around your area and have that, instead of street food. Or you can make sandwiches, learn to make french toast, these small things will not only keep you healthy but also make you future ready. As you will learn to cook more and more new dishes.
The food provided in any canteen, it may be school or college canteen, should not provide fast food. Instead they can provide local recipes to the students. The Governments can do their part by proper licencing of street food seller. So that their food items could be checked at any time by govt officials and if found unhygienic their licence can be cancelled or panalty should be imposed on them.
Eating fruits and raw vegetables as salad is good. Indulge in these, as snacks. Its important to eat healthy at all times. Having street food every fortnight will satisfy your taste bud, at least you have achieved that stage, where earlier you were eating outside meal daily, now only once in fortnight, you will see tremendous change in your lifestyle. The food we eat should be so enriched in nutrients that we don’t have to take suppliments.
As it is said ‘we are what we eat’ and that’s true. If we over indulge in something or other it will automatically harm us may be in long run. That’s why we must take a balanced diet, so that all the essential nutrients will be consumed by us and make us more immune against any disease. We all are aware about the benefits of all the veggies and fruits. So, be the change and feed yourselves and your families healthy, and nutritious home cooked food from now on.
Vibes are, how you feel when you visit a place or meet someone. The moment you enter a place, be it a house, restaurant, hotel, historical place, park, etc. you feel something good or bad about that place. Same is when you meet a person, how he/she talks, his/her body language says it all.
The interior of a place affects the vibes of a place. The colour of walls, choice of paintings or decor, placement of furniture, what kind of music is playing, if playing at that place. Now let’s talk about vibes of a person. When you talk to someone known to you, you may know about his nature but when you talk to someone for first time, you can easily know about them by the vibes.
Some people are such that, when you are with them you feel so positive and happy on the other hand, some people are such that you always want to ignore and avoid them because of their rigid nature. The people who are always complaining, ungrateful, negative, are the people who possess bad vibes. By talking to these kind of people you will automatically feel their vibes. The people with good vibes are happy, take things positively, never complains, always grateful for what they have. People want to interact with them more.
The vibes of a house also has an impact on people living in it. If the vibes of a house are good then people living in it will also have good vibes and vise-versa. When we enter a hotel for stay, we always listen instrumental music, and fragrance of aroma oil adds to good vibes. Music also has vibes, because we are talking about how we feel. Music also affects how we feel. Try one day, listen to sad songs, you will automatically feel sad because it will switch on your sad feeling button. The feelings which you might be hiding. Try another day, listen to good happy numbers, dance numbers you will automatically feel light hearted and forget all the stress.
Aroma oil diffusers are used to add fragrance to the surroundings. Each and every fragrance has its unique quality and unlike music they don’t have bad vibes.The interior of any property should be in such a way that all the things present in it sync with each other. Always make sure that you choose right colours for your walls, decor accordingly, lesser the things more the good vibes.
Nature has its own vibes, when we come across natural beauty, we are not only mesmerized by it but it also boost our spirits. The natural music of flowing water, the chirping of birds, natural fragrance of blooming flowers, the rising sun, they all cost nothing to us and are natural source of good vibes. We always get attracted towards good vibes.
Good vibes attracts good and bad vibes attracts bad. Make yourself such that you attract good vibes only.
Financial Planning, as the name suggest is today’s topic of the blog. Today we will learn how financial resources can be utilised in such a manner that we don’t have to worry in future about finances. We earn money and spend on daily or say monthly expenditures of ours, be it household expenses or travelling expenses. Expenditures are fixed and we have to bear them, that’s why we earn, so that we can run a family. There are many expenses which we have to add after marriage or say after a baby comes to the family.
When we have to raise a family, we have to think about present expenses and future expenses too and save for it too. Let’s say if a person has to save for his son’s higher education, then how much he should save monthly so that at certain period, when he needs the money, a good corpus should be available to him. This is called financial planning. When we plan for our future. There are many financial experts who will provide you with details about it, but according to my personal experience one should start saving from an early age. The habit of saving money is good for all. At least 20% of the earnings should be saved for future.
You might be wandering how financial planning is related to happiness. Yes, It is, when we are financially secure, it gives us peace of mind and it becomes reason to be happy. Now a days, people like to invest their money in shares, mutual funds, Bitcoins. These instruments of investment have market risk involve in it as you may or may not get the required return after investment, but they give good returns in long run. If you can stay invested for long term then these will fetch you good return on your investments. Now the question arise, how to evaluate, how much money is required or how to plan our finances so that our old age expenses, higher studies of our child and other expenses of future would be met with the returns on investments? The answer to this question will be different in each case. As it depends upon how much one earns, in which field his child wants to persue his career, lifestyle of the person. All these factors affects financial planning.
When we plan our finances systematically, we will have peace of mind in future and at present also feel pleased and say to ourselves that yes I have done a right thing to save money for my future. Though future is unpredictable, but we have to be also ready for any and every emergency, for that we must have emergency fund. We must enjoy life, go for vacations, have party, see movies, etc. and at the same time save money wisely for the future too. Always opt for health insurance and live a healthy lifestyle too. When you are more cautious about your health, you save so much money which might be spent on medical bills.
Start investing small amount of money from an early age, this will not only built a healthy habit of saving but also helps in forming a good corpus for future. Try not to use credit card or use it occasionally. Be it business or job, a fixed monthly income should be divided into
1. Household expenses.
2. Medical expenses
3. Travelling expenses
4. Food and entertainment expenses
5. Savings
6. Emergency fund
7. Education fund.
Always think about saving before spending. Teach this healthy habit of saving to your children too, how? Buy them a piggy bank and tell them to save their money in it. On their birthday, open the piggy bank and deposit that money, collected by them in their bank account.
They will feel more than happy to see the financial transaction done by them in bank at so early age. It will not only teach them how to save money but also make them future ready to deal with banking system. On every special day, be it birthday, annivarsary etc. invest, be it a small investment, investments will earn you returns.
These small steps taken by us in present will fetch us optimum amount in future. Financial planning will give you sense of satisfaction, security, happiness too. Plan your finances according to your future needs.
Today’s blog is all about online shopping. The pros and cons of online shopping. How it affects our well-being and much more. So tighten your seat belts if your weakness is shopping, ‘online shopping’.
We all are active online daily, some for many hours, some for few hours, some for fun, some for jobs and business and so on. We can’t imagine our life without internet. People do online shopping, its integral part of their life. Before emergence of covid, online shopping was there, but people also went to malls, and local markets to buy things. But after lockdown all around the world, online shopping has become medium to buy things.
Shopping sites lure customers into buying whatever they want to sell. Attract lot of customers, who wouldn’t require those items. Its just a matter of some clicks and the things bought, comes to our home as early as possible, depends upon service.The convenience or advantages of online shopping are:
Saves time and effort
Good discounts/ lower prices
Get detailed information about the product
We can compare various models/brands
Wide range of products
On the other hand, there are some disadvantages of online shopping:
Delay in delivery
You cannot touch product physically
Frauds in online shopping
Buy things which we don’t need.
Sale! Sale! Sale!
We know that it is pretty tempting to add everything to our cart during sale season. But what if that sale is available throughout the year in different forms? It is what most online shopping websites do. I am sure that those coupon codes and ‘Buy 1, Get 1’ deals might attract us most, but we shouldn’t be buying just because it is on sale.
Emotional Spending
Because of want to distract themselves, from whatever people are currently feeling, be it, sadness, boredom, depression, anger or simply because they have nothing to do, they shop online. Online shopping should not act as an activity that elevates our mood from time to time.
Online Shopping Addiction
In today’s times, people indulge themselves in scrolling through online shopping sites as a leisure activity and this activity can slowly transcends into an addiction. Make sure that your online shopping habit in itself does not change into a bad habit or an addiction.
Discounts and offers are available throughout the year so don’t become a trap of these shopping sites. Just make list of things to buy, and buy when you need it, and not want it just because it’s on sale.
Hope you enjoyed reading, will see you soon with more interesting blogs.
Travelling is one thing I enjoy the most. Visited many countries till now. Eager to visit many more. When you travel different countries you come to know about people’s lifestyle, their food, culture and much more. You can think openly. The moment you make a plan to visit certain place, you find how to reach there, the mode to travel, the accomodation to book, make a list of places to visit, what type of cloths you will carry and much more.
At some places you have language problem, so a translator or guide accompany you and tell you the history about it and more. When you travel domestic places you need not to worry much. Because you are fimilar with weather conditions, lifestyle. But when you visit abroad, you have to do your homework and act accordingly.
Travelling becomes fun when you are with group of people. We travelled abroad mostly with family groups and enjoyed a lot. The best part about family group is that not only you enjoy their company,you feel safe if some emergency occurs, the journey becomes more interesting and memories are made.
You feel fresh and enthusiastic whenever you travel to a new place. We always buy a souvenir wherever we go. Things have become much easier now as we are provided with packages to travel abroad by travel companies with itenary of our choice in our budget. Though due to covid not all countries are open to travel. Each and every country have their own covid norms and conditions to fulfill.
Travelling is exploring . And I love to explore the world.
You might be wondering that how Life insurance is today’s topic of my blog. Because I want to share all the information with my blog readers which can be helpful to them. So, if it seems boring or irrelevant topic for you then please don’t read further. But if you are interested, then read it till end.
As I worked in an Insurance Company and is a Post Graduate in Banking and Insurance Management. May be my blog will be helpful for you.
Insurance is of two type: Life Insurance and General Insurance. Life insurance covers life and General Insurance covers home insurance,vehicle insurance and mediclaims. One more type is travel insurance. You might have received a call from some life insurance company with some attracting plan. First of all, never take life SE insurance which gives you returns, because sole purpose of life insurance is to cover life, that’s it. Go for Term plan.
If some insurance company call you with attractive returns never buy it. There are many schemes available to get higher returns like mutual funds, share market ( but it’s risky investment, with higher returns). Always, Always, Always read the term and conditions before signing the proposal form of Life insurance. Because ‘Insurance is a subject matter of solicitation’, which essentially means that insurance has to be requested or asked for, not sold. This phrase , which is found in all insurance advertisements in India, was mandated by IRDA, and it means basically that: Insurance is the product that is being sold by this advertisement.
You declare all the information on proposal form and declare that all the information mentioned is true and sign it. The insurance company has the authority to accept or in some cases rejects and some cases put loading on premium to be paid. Loading means you have to pay higher premium for your insurance.
After insurance company accepts the proposal, then you will get policy document delivered at your home. Always, Always, Always read the policy document thoroughly, it will definitely take time but it’s important. Insurance company can take back policy and give back your money if you don’t like the policy after reading all the details.
Why I am emphasising on reading the policy document is because when you will go for claim in insurance company they will ask you many questions with documents. And they are right on their hand because they have to pay lakhs of rupees. It’s our negligence and selfishness of insurance advisor that create problem at the time of claim.
Whenever you take an insurance policy always ask the insurance advisor that, what is claim settlement percentage of that insurance company? Claim settlement percentage means from 100 how many claims were being settled and paid. This percentage will tell you how efficient and true are that insurance companies employees are. If initially the proposal form is filled correctly and insurance advisor gives you right information then, that insurance companies claim settlement rate will be on higher side. Don’t blindly trust on insurance advisors. Read the document carefully.
Hope this blog will help you,next time when you take any life Insurance plan.
World of Happiness 
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