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Pan 2.0 के लिए करें फ्री ऑनलाइन आवेदन! जानें Hi-Tech Pan Card बनाने का तरीका

9:40 PM

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Pan 2.0 के लिए करें फ्री ऑनलाइन आवेदन! जानें Hi-Tech Pan Card बनाने का तरीका

Pan 2.0 Apply Online Free: भारत सरकार ने हाल ही में एक नया और उन्नत PAN कार्ड सिस्टम लॉन्च किया है, जिसे PAN 2.0 के नाम से जाना जाता है। यह नया सिस्टम पुराने PAN कार्ड की तुलना में कई अतिरिक्त सुविधाओं और लाभों के साथ आता है। PAN 2.0 का मुख्य उद्देशय करदाताओं के लिए PAN से संबंधित सेवाओं को और अधिक सुरक्षित, कुशल और उपयोगकर्ता-अनुकूल बनाना है।

इस नए सिस्टम में QR कोड, डिजिटल हस्ताक्षर, और आधार से लिंकेज जैसी उन्नत सुरक्षा विशेषताएं शामिल हैं। इससे न केवल PAN कार्ड की प्रामाणिकता सुनिश्चित होगी, बल्कि इसका दुरुपयोग भी कम होगा। साथ ही, PAN 2.0 के साथ करदाताओं को अपने PAN से संबंधित सेवाओं का लाभ उठाने के लिए एक एकीकृत डिजिटल प्लेटफॉर्म मिलेगा।

PAN 2.0 क्या है?

PAN 2.0 एक नया और उन्नत Permanent Account Number (PAN) सिस्टम है जो भारत सरकार द्वारा शुरू किया गया है। यह सिस्टम पुराने PAN कार्ड की जगह लेगा और करदाताओं को कई नई सुविधाएं प्रदान करेगा। PAN 2.0 का मुख्य उद्देश्य PAN से संबंधित सेवाओं को डिजिटल, सुरक्षित और उपयोगकर्ता-अनुकूल बनाना है।

तुम अगर सभी सुख दो तो वो तुम्हे दुनिया के सारे सुख देगा

2:25 AM

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Tips for All

तुम अगर सभी सुख दो तो वो तुम्हे दुनिया के सारे सुख देगा

अपनी सहेलियों मां और चाची से ये बात हमेशा सुनती आ रही थी

लेकिन असल में कमी कुछ और थी

35 साल की उम्र में मेरा विवाह हुआ ये काफी लेट समय था और जिससे मेरी शादी हुई उसकी उम्र 37 साल थी

पहले लोग शादी जल्दी करने पर जोर देते थे, लेकिन आज लोग पहले करियर बनाने के पीछे भागते हैं

कम उम्र में हुई शादी आप को आपके पार्टनर और परिवार से घुलने मिलने में ज्यादा आसान होती है

लेकिन देर में हुई शादी में लोग इतने ज्यादा जटिल हो जातें हैं की वह अपने आप को नए माहौल में ढाल नही पाते

35 की उम्र में शादी होने से वैसे हो शरीर में कामवासना खत्म हो जाती है

रही सही कसर 37 साल के पुरुष के अंदर भी नही बचती

बचती है तो एक बात वो है साथ,

जब मेरी शादी हुई तो मुझे पता था जिस व्यक्ति से मेरी शादी हो रही है वो काफी कम कमाता है, पर 35 साल की उम्र होने पर मेरी मां को भी काफी चिंता होने लगे थी क्यों की मेरे पापा की मृत्यु समय से पहले हो गई थी

मैने घर वालों से बात की तो लोगो ने बोला शादी करो नही उम्र निकल जाएगी

सहेलियों से बोला तो उन्होंने बोला रात को बिस्तर पर पति को खुश रखो वो खुद मेहनत कर के ज्यादा पैसे कमाएगा

सबकी बातों को ध्यान में रख कर मैने शादी कर ली,

लेकिन शादी के बाद पत्नी के साथ साथ एक पुरुष की जिंदगी में एक और चीज आती है जिसे हम जिम्मेदारी के नाम से जानते हैं

जिनसे मेरी शादी हुई थी वो इस बात को जानते थे की मैं शादी से खुश नहीं हूं क्यों की उनकी आय कम है

शादी के पहली रात उन्होंने मुझसे कहा, देखो मेरी आय कम है उम्र ज्यादा है इसका मतलब ये नही है की हम दोनों साथ में खुश नहीं रह सकते

मैं तुम्हे सभी संसाधन तो नही दे सकता लेकिन इतने जरूर दे सकता हूं की हमारी जिंदगी अच्छे से चले और उस रात खाली यही बात हुई,

ऐसे ही करते करते 20 से 22 दिन बीत गए पर हम दोनो के बीच पति पत्नी वाला रिश्ता बना ही नही शायद उन्हें मन में मलाल था की वो कम कमाते हैं जिसकी वजह से मैने उन्हे मन से स्वीकार नहीं किया हैं

फिर सहेलियों से बात हुई सबने फिर वही बात कही, उन्हें रात में खुश करो और वो खुद तुम्हारी जरूरतें पूरी करेगा

महीने के अंत में उन्हें वेतन मिला 25000 रुपए, जिसमे से 5000 रुपए वो भविष्य केलिए रख कर 20000 मुझे दिया और बोला मेरी जरूरतें काफी सीमित है, ये पैसे तुम रखो। अगर मुझे जरूर हुई तो तुमसे ले लूंगा

तुम अपने हिसाब से घर देख लो पर जब मैंने हिसाब लगाना शुरू किया तो पैसे कम पड़े जब मैने इनसे इस बारे में डिस्कस किया तो वो बोले थोड़ी दिक्कत हो सकती है लेकिन मैं दूसरी नौकरी के लिए ट्राय कर रहा हूं

ऐसे ही करते करते शादी को 6 महीने हो गए और हमारा झगड़ा हुआ, मैं बोलती और पैसे कमाओ वो बोलते जो हैं उसमे एडजेस्ट करने की कोशिश करो

बात इतनी बढ़ गई की मैं अपने मायके आ गईं और मन बना लिया की अब इसके साथ नही जाना

उन्हें ने कई बार मुझे बुलाया मेरे घर आए लेने

थक हार कर मैने भी बोल दिया जिस दिन आप अच्छा कमाने लगेंगे उस दिन आजाना लेने आप तो अभी पूरी तरह से मेरा खर्चा भी उठा नही पाते

ये बात उन्हें बहुत बुरी लगी, क्यों की गुस्से की वजह से मेरा बोलने का लहजा भी खराब था

लेकिन इस बार उस इंसान के गिरबान को चोट पहुंची थी , वो वापस तो गया लेकिन कभी लौट के नही आया

बल्कि उन्होंने अपने वेकील से फोन कर के बोला की अगर तुम मुझसे अलग होना चाहती हो तो हो सकती हो

जिसे जान कर मेरा गुस्सा और भड़क गया मुझे लगा को जो इंसान मेरा खर्चा नही उठा सकता वो मुझे छोड़ने की धमकी दे रहा है,

मैने भी बोल दिया नही रहना है,

हमारी हियरिंग हुई, जज ने पूछा, तो उन्होंने स्पष्ट बोला, sir मेरी तनख्वाह कम है, जिससे इन्हे आपत्ति है

और मैं इन्हे खुश नहीं रख पा रहा हूं, और ना ये मेरे साथ खुश हैं, किसी इंसान को जबरदस्ती खुश नहीं किया जा सकता है मेरे बस में इससे ज्यादा कुछ नहीं कह सकता

हर इंसान को अपनी खुशी चुनने की आजादी है

जजों ने मुझे समझाया की एक बार रिश्ता में खटास आजती है तो जिंदगी खराब हो जाती है तुम चाहो तो एक नई शुरुवात कर सकती हो, पैसे कम है लेकिन इतने भी नही की तुम्हारी बेसिक जरुरते पूरी ना हो सके

लेकिन इगो की वजह से किसी की नही सुनी और कुछ समय बाद मेरा तलाक हो गया

तलाक के 6 महीने मैं घर पर थी लेकिन उसके बाद एक नौकरी की, अब मेरी उम्र 37 साल हो गई थी और मैने नौकरी करने का निश्चय किया

नौकरी पर आने पर पता चला की कितना मेहनत का काम है

और ये भी पता चला की डिवोर्क्सी लड़की के आगे पीछे सब घूमते हैं, मौके का तलाश करते हैं की कब मौका मिले और इसके साथ कुछ करने को मिले

काम अच्छा हो तो आप की कोई तारीफ नही करता लेकिन अगर काम में कमी हो तो ऑफिस से लेके जूनियर तक पीछे पड़ जाते हैं

मेरी तनखवाह 15000 की है अब समझ में आने लगा था की नौकरी करना कितना कठिन है कुछ भी चाहो लेकिन हमारे हाथ में कुछ नही है

अब जिस 15000 के लिए मुझे 10 से 6 काम करना पड़ता था, लोगो की हरासमेंट का सामना करना पड़ता था

पहले उससे ज्यादा घर बैठे 20000 मिलता लेकिन अब काम करने के बाद 15000 मिल रहा है ऊपर से दिनभर की मेहनत

एक पुरुष अपने परिवार की कमी को पूरा करने के लिए दिन रात मेहनत करता है लेकिन हम औरतें सिर्फ ये सोचते हैं की कैसे हमारा काम पूरा हो

लेकिन आज उसी शक्श की नौकरी में तनखवा 86000 रुपए है

मैने ये गलती की रिश्ते को पैसे के पैरामीटर के पर तोलने लगी थी लेकिन है सही नही था

यदि प्यार से समझती तो हमारा जीवन भी आगे अच्छा चलता

आज के दौर में लड़किया किसी लड़के से शादी करने से पहले ये जानना चाहती हैं की लड़का कितना कमा रहा

लेकिन असल में किसी से शादी करने से पहले ये जानना जरूरी है की उसका चरित्र कैसा हैं

शादी जैसे बंधन को चलाने के लिए जरूरी है आपसी सहमति, समाजस्य और विश्वास लेकिन आज मेरी तरह सभी लड़कियां अपनी शादी में सबसे पहले ये देखती हैं की लड़का पैसा कितना कमा रहा है लड़किया तो लड़किया उनके मां बाप भी यही देखते हैं

एक अच्छा रिश्ता पैसे की दम पर नही चलता है।

मुझे ये बात तब समझ आए जब मैंने अपना रिश्ता खो दिया

किसी अमीर से 4 बात सुनने से बेहतर है की किसी कम आय वाले के साथ शादी कर के साथ खुश रहने में आनंद है

ये एक सत्य घटना है आप बताइए आप के हिसाब से रिश्ते चलाने के लिए पैसे कितने जरूरी हैं

If I invest 11K in SIP for the next 15 years, how much will I get after 15 years?

3:59 AM

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Tips for All

If I invest 11K in SIP for the next 15 years, how much will I get after 15 years?

Great question! Investing in a Systematic Investment Plan (SIP) is like planting a money tree. But, before we get too carried away with dreams of lounging under a tree that sprouts cash, let's dig into the details!

What is SIP, Anyway?

Think of a SIP as a disciplined way to invest in mutual funds. It’s like going to the gym regularly but for your wallet. Instead of dumping all your money in one go (and hoping for the best), you invest a fixed amount every month. In your case, that's ₹11,000 every month for the next 15 years.

How Much Will My ₹11,000 Turn Into?

Ah, the million-dollar question (or in this case, the 11,000-rupee question)! The answer depends on the rate of return. Mutual funds don't have a fixed return like a bank FD; they vary based on market conditions. However, for simplicity, let’s assume an average annual return rate of 12% (which is quite standard for equity mutual funds over the long term).

To calculate the future value of your SIP, we can use a formula. But don’t worry, I’m not going to throw a bunch of math at you without warning. I’ll break it down:

Monthly investment (P): ₹11,000
Rate of return (r): 12% annually or 1% monthly
Number of months (n): 15 years * 12 months = 180 months

The formula for the future value of a SIP is:

FV=P×(1+r)n−1r×(1+r)FV = P \times \frac{{(1 + r)^n - 1}}{r} \times (1 + r)FV=P×r(1+r)n−1×(1+r)

Plugging in the numbers:

FV=11,000×(1+0.01)180−10.01×(1+0.01)FV = 11,000 \times \frac{{(1 + 0.01)^{180} - 1}}{0.01} \times (1 + 0.01)FV=11,000×0.01(1+0.01)180−1×(1+0.01)

So, What's the Final Amount?

Drum roll, please... After crunching the numbers, you’ll have around ₹50-55 lakhs (that's 5 to 5.5 million for those who like their numbers in millions)!

Why Does Compounding Feel Like Magic?

Compounding is often called the "eighth wonder of the world" for a reason. It’s like that snowball effect; your returns start earning returns, and before you know it, your investment is rolling into a big pile of cash. The longer you stay invested, the more you benefit from compounding.

A Few Things to Keep in Mind

Stay Consistent: Just like you wouldn’t quit the gym after a few weeks (hopefully), don’t stop your SIP halfway. Consistency is key.
Market Fluctuations: The market will go up and down—sometimes like a rollercoaster. Don't panic. Stay the course!
Review Regularly: Keep an eye on your investments but don’t stress over daily market changes. An annual review is often enough.

So, Is Investing in SIP Worth It?

Absolutely! It’s a great way to build wealth over time, especially if you’re looking to avoid the stress of trying to time the market. Just set it, forget it, and watch your money grow!

Happy investing! And remember, the best time to start was yesterday. The second best time? Right

Interested to Invest Click Here

AMFI Registered Mutual Fund Distributor

Contact at 8360264310

Mutual funds are subject to market risk. Read Documents carefully.

Is Quant Small Cap mutual Fund safe for 30 years?

10:18 AM

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Tips for All

Is Quant Small Cap mutual Fund safe for 30 years?

Greetings,

All mutual funds are regulated by SEBI. So, it’s unlikely that someone will run away with your money. But there’s market-linked risk that you cannot avoid. Every fund goes through ups and downs and those who muster the courage to stay invested earn sizable gains. So, the same applies to Quant Small Cap as well.

Besides, if you find a fund underperforming consistently in the future, you can always change it. So, what is important is to keep chaking a fund’s performance in 6 months or 1 year.

In that context, let’s review Quant Small Cap’s performance to gain more insights.

Quant Small Cap is in a league of its own. Its 3-year absolute returns are around 300%. The 2nd best is Nippon India Small Cap with 214% return in the same period.

No wonder Quant Small Cap’s popularity is off the roof. Let’s check what has worked in its favor.

The Background

The fund has a history of over 26 years. But as a small-cap fund, it has operated for just around 5 years. Prior to that, it was Quant Income Bond, a debt fund. In fact, the fund was started by Escorts Mutual Fund. It was later renamed after Quant Capital acquired Escorts Mutual Fund

The Meteoric Rise

From just Rs 2 crore in 2019, the fund’s AUM jumped to Rs 4,100 crore in just 4 years, all thanks to its handsome returns

A key reason for its success is its investment strategy. Stocks in this fund are selected based on Quant Fund’s proprietary VLRT model. The model evaluates stocks on 4 factors: valuation, liquidity, risk, and timing. This sets it apart from other funds in the category. Check details 👉

High Portfolio Churn

Most funds don’t buy and sell stocks too often. Quant Small Cap works differently. It buys and sells stocks more often than its peers. Even some of its top holdings go out of the portfolio in a couple of months

Concentrated Bets

On the face of it, the fund’s portfolio looks diversified with around 70 stocks. But there is a sizable concentration in the top holdings. For e.g., the top 10 stocks accounted for more than 50% in 3 of the last 5 years

High Volatility

The fund's exceptional returns are accompanied by higher volatility. In comparison to the category, the fund is almost twice as volatile.

Key Points To Note

The fund showcases outstanding performance. But it has a relatively short track record. It’s yet to prove its metal in various market conditions. Consider these insights to determine if this fund is suitable for you

Hope it helps

If you learned something new, COMMENT and SHARE the answer to help us reach more readers.

JOIN NOW http://p.njw.bz/39255

This for information. Mutual funds are subject to market risks. Read the documents carefully before investing

*ET Money

Does SIP actually work? If yes, then why don't all people invest in it?

6:54 AM

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Tips for All

Does SIP actually work? If yes, then why don't all people invest in it?

Latest Update for those who are doubting the Magic of SIP (and this data is from AMFI - Association of Mutual Funds in India only. I hope people won't doubt data from AMFI atleast).

Yes SIP does work for anyone and everyone.

But it doesn't work for all investors. Why? Keep reading...

There are three category of investors:

First category of investors are those who do not have patience. They want to get rich overnight. They want quick money. For them, Intraday Trading might work, but not Mutual Fund.

The second category of investors are those, who hav patience, but not knowledge. They end up investing in wrong products such as the ULIP.

The third category involves investors who have both knowledge and patience, but not a forward looking approach. They don't change with the time and continue with the traditional products, such as the FD and Recurring Deposits.

It's necessary that people get educated on all fronts.

*mutual funds are subject to market risk, pl read documents carefully

How to Get Started using a Password Manager?

3:50 AM

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Tips for All

How to Get Started using a Password Manager?

The majority of people use very weak passwords and reuse them on different websites. How are you supposed to use strong, unique passwords on all the websites you use? The solution is a password manager.

Password managers store your login information for all the websites you use and help you log into them automatically. They encrypt your password database with a master password – the master password is the only one you have to remember.

Don’t Reuse Passwords!

Password reuse is a serious problem because of the many password leaks that occur each year, even on large websites. When your password leaks, malicious individuals have an email address, username, and password combination they can try on other websites. If you use the same login information everywhere, a leak at one website could give people access to all your accounts. If someone gains access to your email account in this way, they could use password-reset links to access other websites, like your online banking or PayPal account.

To prevent password leaks from being so damaging, you need to use unique passwords on every website. These should also be strong passwords – long, unpredictable passwords that contain numbers and symbols.

Web geeks have hundreds of accounts to keep track of, while even the average person likely has tens of different passwords. Remembering such strong passwords is nearly impossible without resorting to some sort of trick. The ideal trick is a password manager that generates secure, random passwords for you and remembers them so you don’t have to.

lastpass-sign-in

What Using a Password Manager is Like?

A password manager will take a load off your mind, freeing up brain power for doing productive things rather than remembering a long list of passwords.

When you use a password manager and need to log into a website, you will first visit that website normally. Instead of typing your password into the website, you type your master password into the password manager, which automatically fills the appropriate login information into the website. (If you’re already logged into your password manager, it will automatically fill the data for you). You don’t have to think about what email address, username, and password you used for the website – your password manager does the dirty work for you.

If you’re creating a new account, your password manager will offer to generate a secure random password for you, so you don’t have to think about that, either. It can also be configured to automatically fill information like your address, name, and email address into web forms.

lastpass-filling-password

Why Browser-Based Password Managers Aren’t Ideal
Web browsers – Chrome, Firefox, Internet Explorer, and others – all have integrated password managers. Each browser’s built-in password manager can’t compete with dedicated password managers. For one thing, Chrome and Internet Explorer store your passwords on your computer in an unencrypted form. People could access the password files on your computer and view them, unless you encrypt your computer’s hard drive.

Mozilla Firefox has a “master password” feature that allows you to encrypt your saved passwords with a single “master” password, storing them on your computer in an encrypted format. However, Firefox’s password manager isn’t the ideal solution, either. The interface doesn’t help you generate random passwords and it lacks various features, such as cross-platform syncing (Firefox can’t sync to iOS devices).

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Dashlane has a strong password generator built right in
A dedicated password manager will store your passwords in an encrypted form, help you generate secure random passwords, offer a more powerful interface, and allow you to easily access your passwords across all the different computers, smartphones, and tablets you use.

Password Managers to Use

Dashlane probably has the slickest interface of any password manager
A variety of password managers are available, but three stand out as the best options. Each is a solid option, and which you prefer will depend on what’s more important to you:

Dashlane: This password manager is a little newer, but what they lack in name recognition they make up for with great features and slick apps for almost every platform — Windows, OS X, iPhone, iPad, and Android. They have extensions for every browser, features like a security dashboard that analyzes your passwords, and they even have an automatic password changer that can change your passwords for you without having to deal with it yourself.

One of the best features of Dashlane is that it’s completely free to use on a single device. If you want to sync your passwords between devices, you’ll need to upgrade to premium. But you can test it out for free.

And when it comes to security, Dashlane has another advantage, because you have the choice to keep all of your passwords locally on your computer, rather than in a cloud. So you have the benefit of something like KeePass, but with a better interface. If you do choose to sync your passwords using the cloud, they are AES encrypted.

LastPass: This is a cloud-based password manager with extensions, mobile apps, and even desktop apps for all the browsers and operating systems you could want. It’s extremely powerful and even offers a variety of two-factor authentication options so you can ensure no one else can log into your password vault. We’ve covered LastPass’s many security options in great detail. LastPass stores your passwords on LastPass’s servers in an encrypted form – the LastPass extension or app locally decrypts and encrypts them when you log in, so LastPass couldn’t see your passwords if they wanted to. For more information about LastPass, read our guide to getting started with LastPass.

KeePass: LastPass isn’t for everyone. Some people just aren’t comfortable with a cloud-based password manager, and that’s fine. KeePass is a popular desktop application for managing your passwords, but there are also browser extensions and mobile apps for KeePass. KeePass stores your passwords on your computer so you remain in control of them — it’s even open-source, so you could audit its code if you wanted to. The downside is that you’re responsible for your passwords, and you’ll have to sync them between your devices manually. Some people use a syncing solution like Dropbox to sync the KeePass database between their devices. For more information, check out our introduction to KeePass.

Getting Started with Your Password Manager

The first big decision you will need to make with a password manager is choosing your master password. This master password controls access to your entire password manager database, so you should make it particularly strong – it’s the only password you’ll need to remember, after all. You may want to write down the password and store it somewhere safe after choosing it, just in case – for example, if you’re really serious, you could store your master password in a vault at the bank. You can change this password later, but only if you remember it – if you lose your master password, you won’t be able to view your saved passwords. This is essential, as it ensures no one else can view your secure password database without the master password.

After installing a password manager, you will likely want to start changing your website passwords to more secure ones. LastPass offers the LastPass Security Challenge, which identifies the weak and duplicate passwords you should focus on changing. Dashlane has a Security Dashboard built right in, that will help you figure out which passwords might need to be changed.

10-app-security_score-PC_PNG

Password managers also allow you to store other types of data in a secure form – everything from credit card numbers to secure notes. All data you store in a password manager is encrypted with your master password.

Password managers can even help against phishing, as they fill account information into websites based on their web address (URL). if you think you’re on your bank’s website and your password manager doesn’t automatically fill your login information, it’s possible that you’re on a phishing website with a different URL.

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Investments in MF

Mutual Funds SIP : मात्र 1000 रुपये से करें एसआईपी की शुरुवात, पैसा बनाएगा आपके लिए पैसा

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Mutual Funds SIP : मात्र 1000 रुपये से करें एसआईपी की शुरुवात, पैसा बनाएगा आपके लिए पैसा

लम्बी अवधि के निवेश के लिए एसआईपी सबसे बेस्ट तरीका है, म्यूचुअल फंड एसआईपी Mutual Funds SIP में निवेश करने वालो की संख्या में तेजी से इजाफा हुआ है. यदि आप भी एसआईपी के जरिये निवेश करना चाहते हैं तो इसके बारे में अधिक से अधिक जानकारियां एकत्रित कीजिये, इसके जरिये बड़ा से बड़ा फंड एकत्रित किया जा सकता है.

लम्बी अवधि बढ़िया रिटर्न

विभिन्न प्रकार के निवेश उद्देश्यों को पूरा करने के लिए आप म्यूचुअल फंड्स एसआईपी (Mutual Funds SIP) का चुनाव कर सकते हैं परन्तु निवेश के लिए हमेशा लम्बी अवधि चुने कम समय में भी फंड्स बेहतर रिटर्न दे सकते हैं परन्तु लॉन्ग टर्म में निवेश जोखिम कम किया जा सकता है.

कम्पाउंडिंग का तगड़ा फायदा

कम्पाउंडिंग समय के साथ पैसे को तेजी से बढ़ा सकता है, समय जितना ज्यादा बढ़ाया जायेगा उतना अधिक कम्पाउंडिंग का फायदा होगा (मतलब मूलधन के साथ ब्याज पर भी ब्याज बनता जायेगा).

कितने रुपये से कर सकते हैं एसआईपी

SIP की यही खासियत है की इसे कोई भी शुरु कर सकता है, महज 500 रुपये से एसआईपी की जा सकती है, किसी-किसी म्यूचुअल फंड योजना में मिनिमम एसआईपी निवेश की राशि 100 रुपये है. म्यूचुअल फंड औसतन 12 फीसदी का रिटर्न कमाया जा सकता है हालांकि कई बार इसमें उतार-चढाव देखने को मिल सकता है. एसआईपी निवेश जितना लम्बा चलेगा रिटर्न की गुंजाइस उतना अधिक है.

1000 रुपये की एसआईपी से कितना लाभ

आप म्यूचुअल फंड एसआईपी से कितना रिटर्न कमाएंगें, यह आपके द्वारा चुने गए फंड्स के रिटर्न पर निर्भर करता है, मान लीजिये आप हर महीने 1000 रुपये की एसआईपी करते हैं, जिसपर आपको सालाना 12 फीसदी का रिटर्न मिलता है तो 30 सालों में आप 35,29,914 रुपया इकठ्ठा कर लेंगें, यहाँ आपका निवेश मात्र 3,60,000 रुपया होगा.

वहीं अगर आप 1000 रुपये की एसआईपी में 15 फीसदी का रिटर्न प्राप्त करते हैं तो 30 साल में कुल 70,09,821 रुपया इकठ्ठा कर लेंगें, इक्विटी फंड्स High Return दे सकते हैं. अलग-अलग मार्केट कैप और निवेश जोखिम के आधार पर अलग-अलग फंड्स को चुना जा सकता है.

अगर आप अपने 1000 रुपये की मासिक एसआईपी पर सालाना 18 फीसदी का रिटर्न प्राप्त करते हैं तो आने वाले 30 सालों में 1,43,25,289 रुपये का बड़ा फंड तैयार कर सकते हैं.

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Disclaimer : यह आर्टिकल रिसर्च और जानकारियों के आधार पर बनाया गया है ब्लॉग केवल जानकारी के उद्देश्य से बनाया गया है. फंड निवेश वित्तीय जोखिमों के अधीन है.

AIR PRESSURE CHART FOR YOUR CAR 4WHEELERS TYRES FIND HERE

4:32 AM

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AIR PRESSURE CHART FOR YOUR CAR 4WHEELERS TYRES FIND HERE

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Beautiful Words for Love from Around the World

5:17 AM

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Tips for All

Beautiful Words for Love from Around the World

There are more words for “love” than there are languages in the world. Let me explain with an example:

The Japanese language has dozens of ways to say “you”. There are polite forms, very polite forms, impolite forms and downright rude forms.

There are different ways of addressing men and women, immediate superiors, higher superiors, inferior colleagues, male children, female children, your boyfriend, girlfriend or spouse. There are even different ways to address a suspected criminal depending on whether they’ve just been accused, are on trial, or have been convicted.

Do all these different words for “you” exist just to annoy foreigners learning Japanese? Of course not. They’re integral to Japanese culture, and they give foreigners valuable insight into an intangible aspect of that culture, namely that status and relationships are very important in Japan.

Likewise, there are many languages that have several different ways to express the concept of love. What do you suppose this says about those cultures?

English has a few different words for different kinds of love, including fondness, affection, and infatuation (though one could argue that not all of these are actually types of love). But when it comes to the word “love” itself, this one word can express all of these concepts and more.

Consider the following English sentences:

I love my husband/wife

I love my mother

I love my best friend

I love learning languages

I love Mondays

No matter what kind of love we’re talking about in English, we can use one single word for it: “love”. This is as baffling to some students of English as all the different forms of “you” are to people learning Japanese.

Why should the concept of romantic love (“I love my husband/wife”) use the same word as parental love (“I love my mother”), or love of an object?

In English, the word “love” has become diluted so that it can be used in place of “like”. In some languages, the difference is very important. Is the English language limited by not putting much value on this difference? Monolingual English speakers would probably say no, but that’s because they don’t have anything to compare it to.

The truth is, the more languages you learn, the more you see the benefit of having various ways to refer to “love”.

Let’s take a look at how some languages express the idea of love. Some languages have just one or two words, like English. Others have many more, and they’re as integral to the culture as all the different Japanese words for “you” are to Japanese culture.

One thing before we get started: you can chat away in a new language for at least 15 minutes with the "Fluent in 3 Months" method. All it takes is 90 days. Tap this link to find out more.

1. Greek Words for Love

Greek famously has four main words for love:

Έρωτας (Erotas) (known as Έρως (Eros) in Ancient Greek): This refers only to romantic love or courtship. You’ll recognize it as the root of the English word erotic

Aγάπη (Agape): In Ancient Greek, this word described a spiritual or charitable love, such as the love that God has for man. This word is used often in the Greek translation of the Bible. In modern Greek, its definition is more broad, and can be used to express love for family or a romantic partner.

Φιλία (Philia): The general word for non-romantic love between equals, such as between friends and family, or love for activities. You’ll recognize this word as a suffix of several English words, such as “cinephile” (film lover) or “francophile” (French language lover). This word isn’t used as often today as it was in Ancient Greek.

Στοργή (Storgé): This is the word used to describe the natural affection that exists between parents and children. This word is also more rare today than it was in ancient times

2. Love in American Sign Language

ASL is a language unto itself. It doesn’t just translate words directly from English into signs, as many people think. ASL grammar is also very different from English grammar. ASL has two ways to say the English word “love” (video credits: Signing Savvy: ASL videos and learning resources):

1. Love for actions or objects (e.g. “I love learning languages”). This word is signed by kissing the back of your fist:

2. Love for living beings (e.g. “I love my mother/spouse/dog”). This word is signed by crossing your arms over your chest and “hugging” yourself:

3. Japanese Words for Love

As you’ve probably already guessed from the introduction, Japanese is a highly nuanced language. This goes for a concept like “love” as well. Though luckily there aren’t as many words for love as there are for “you”! There are two main words for the concept of love, but the usages of each are highly dependent on a variety of cultural factors.

愛 (Ai): Depending on the context, 愛 can be used to refer to several types of love, including friendships, family, and love of things or activities. It’s used as the base for constructing many different love-related words, such as 愛犬家 (aikenka; a dog lover), 母性愛 (boseiai; maternal love) or 博愛 (hakuai; philanthropy).

恋 (Koi): This word usually implies physical or romantic love, though in certain contexts, it can imply a more “selfish” type of love. It’s used in the construction of such romance-related words as 恋人 (koibito; a boyfriend/girlfriend), 恋敵 (koigataki; a rival in love) or 初恋 (hatsukoi; first love).

4. Tamil Words for Love

Tamil is the language of Sri Lanka and two states in India. It’s also one of the four official languages of Singapore. Its roots go back thousands of years, giving it a rich history in literature and poetry.

According to some sources, there are dozens of different words in Tamil to express the concept of love. Here are a few words:

அன்பு (Anpu): This is the general term for love. It can describe romantic love, affection, friendship or devotion.

காதல் (Katl): Katl is reserved for expressing romantic love.

ஆசை (Achai): This is the love you feel when you long for someone.

பாசம் (Pachm): The feeling of deeply connected love. You can use this word to describe parental love, for example.

கைக்கிளை (Kaikkilai): This word probably doesn’t have an equivalent in very many languages. It’s used to express a romantic love that isn’t reciprocated by the other person. It’s a great example of what a rich, nuanced language Tamil is.

5. Spanish Words for Love

While Spanish really only has one noun for love (amor), when it comes to the verb “to love”, there are three different Spanish words to choose from. These depend on context, of course.

Querer: The word querer is the general term to use when you love a person, including friends, family or romantic partners. It also translates into English as “to want”, but don’t let that confuse you. “Te quiero” is not the equivalent of the decidedly un-romantic English sentence “I want you”. It makes more sense to look at the word querer as a homonym having two distinct meanings in Spanish: “love” and “want”. Just like the word “love” in English can also refer to a score of zero in tennis, which has nothing to do with the feeling of love.

Amar: Amar is a much stronger version of querer, and is only used in a romantic way.

Encantar: You might recognize the origin of the English word “enchant” in the Spanish verb encantar. This word is most similar to the English word “love” when referring to activities. It indicates a strong like. If you’d say “I love studying Spanish” in English, then use encantar for the Spanish translation: “Me encanta estudiar español.”

6. Arabic Words for Love

Another profoundly rich and varied language, Arabic has at least eleven different words for love. These range from general terms similar to English, to very specific terms for certain phases of love that you might go through while falling deeply in love with someone. Here are a few key words from that spectrum:

حب

(Habb): This is the general word for “love”. It can describe romantic love, or love for family, activities or objects. You might recognize it as the root of the Arabic terms of endearment habib (for men) and habibi (for women).

عشق

(‘Ishq): When you’re in the “honeymoon phase” of love and are feeling a passionate love for your partner, ’ishq is the word to use. It’s the feeling you have when the initial love you felt for someone has now taken root. In fact, the origin of this word comes from the Arabic word for “vine”. This conveys the impression of the love having been planted in your heart so it can grow into passion.

شغف

(Shaghaf): This word is reserved for an intensely burning love or lust. You can use it to describe being madly in love with someone.

حنان

(Hanaan): Hanaan has several meanings, including compassion, tenderness, and loving care. It’s a common Arabic first name for girls.

7. Irish Words for Love

Irish is the first official language of my home country. People are often surprised to learn that it’s quite different from English, being a Celtic language rather than Germanic. Here are a few of the numerous Irish words to express love:

Grá: This is the all-purpose word for love, which can be used in generally the same way as the English word “love” (for loving people, places, romantic partners, etc.)

Cion: Cion roughly translates as “affection”, such as the love you might have for a child.

Searc: This is used for describing romantic love or “true love”.

Cumann: Use cumann when you want to express the love and companionship that exists between friends.

8. Sanskrit Words for Love

Sanskrit is a classical language that has influenced modern South and Southeast Asian languages at least as much as Greek and Latin have influenced modern European languages. This language has an astounding 96 words for love. Here is just a small sampling of the vast spectrum of Sanskrit words for love.

स्नेह (Sneha): Maternal love or affection.

काम (Kama): Erotic or amorous love. You might recognize this word from the title of the famous ancient text, the Kama Sutra.

अनुरक्ति (Anurakti): Passionate love or attachment.

रति (Rati): This word originally meant to enjoy or delight in something or someone. The meaning has evolved to imply a physical desire or love.

प्रिय (Priya): Meaning “darling” or “beloved”, Priya is a common given name for girls in India and Nepal.

9. Love in the Klingon Language

There’s not much to be said here. The fictional Klingon language, from the Star Trek universe reportedly has no words for love. Close translations include “unhate” and “honour”. What do you suppose this says about that culture?

This is just a tiny sampling of all the different ways there are in the world to express the complex emotions associated with love. If you know of other languages that have multiple ways to describe different kinds of love, or languages whose nuances for love can’t be directly translated into English, I’d love to hear about them 😉

Please Tell me in the comments!

Ways that Smartphones are being used as Medical Devices

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9 ways Uses of smartphones as medical devices

Ways that Smartphones are being used as Medical Devices

Smartphones are quickly gaining the capabilities to make patients’ homes an extension of physicians’ offices, facilitating access to timely medical care. Technological advancements in the phones are enabling them to take higher-resolution photos and deliver better sound quality, suggests Christy Marks-Davis, senior director of marketing for CareCentrix, a company that works with providers and payers to support care of patients in their homes.

Medical device manufacturers and software engineers continue to take advantage of smartphones’ capabilities, adapting them to serve as diagnostic tools that patients and caregivers can use in the home. Clinicians also are beginning to use them in their practices.

Here’s a list of some of the current capabilities used to expand the clinical usefulness of smartphones, building off a blog by Marks-Davis and including other capabilities being tested in the industry.

Stethoscope

Stethoscope1.jpgThe stethoscope enables amplification of breath and heart sounds that provides insights into lung and heart function. Smartphones now enhance the power of the stethoscope—patients and many doctors use smartphone-based amplifying devices to replace the earpieces from the traditional stethoscope, enabling patient engagement and a more informed patient-physician dialogue. Beyond that, a new application can interpret breath sounds and coughs in combination with other symptoms that the patient enters, returning results that can indicate the likelihood that a person has various respiratory conditions. The application, ResApp, uses the smartphone’s microphone, and is particularly effective at diagnosing asthma and pneumonia.

Electrocardiogram (ECG)

Electrocardiogram1.jpgMost ECG machines are consoles about the size of a laptop computer, attached to as many as 12 wires that are then attached to a patient’s body. Today, crude ECG recordings can be taken by smart watches; there’s a variety of opinion about the accuracy and clinical effectiveness of these recordings. Even better ECG recordings can be taken with smartphone apps connected to as few as four leads that most anyone can be taught to attach. Other new systems include devices the size of a business card that the users can touch with their fingers to get an ECG reading that connects wirelessly to a smartphone.

Electroencephalogram (EEG)

EEG Device-CROP.jpgElectroencephalogram devices measure the electrical activity of the brain. They are used for a variety of purposes, including diagnosing and monitoring patients with epilepsy. Traditionally, epilepsy patients have had to travel to EEG centers, where they are fitted with several leads that are glued to their scalp. But with smartphone technology, it’s possible for patients to monitor themselves at home and transmit the data to their neurologist. A proof-of-concept study in Nature.com determined that this innovation could soon make EEG technology available to millions of epilepsy sufferers who have limited access to EEG centers.

The Otoscope

cellscope.jpgEvery pediatrician has an otoscope for looking in children’s ears, generally to diagnose ear infections. This capability, called pneumatic otoscopy, requires some skill to learn. However, the most significant limitation of the technique is the otoscope itself, which very often provides the practitioner with only the most fleeting glimpse of a child’s tiny eardrum.

The cameras on smartphones now provide such high resolution under limited light conditions that a simple attachment provides high-resolution magnified views, giving doctors—and now parents—the ability to capture images of the ear drum, which can be sent to a doctor.

The Ophthalmoscope

promo_carousel_iExam1_mobile.jpgSpecialized attachments and associated applications have turned smartphones into devices that produce images almost as good as those available in eye doctors’ offices. The technology may not become available to the general public, however, because these examinations often require the use of pupil-dilating eye drops, which are used only in office settings. Simpler devices, however, are able to perform visual acuity exams, alerting patients when their eyeglass prescriptions become outdated.

Imaging

Butterfly-Network-CROP.jpgVendors are beginning to look for ways that smartphones could enable clinicians to quickly and inexpensively gain insight into patients through imaging. For example, Butterfly Network, a rising medical imaging company, is making a pocket-sized ultrasound device that plugs into an iPhone. The medical imaging firm began selling its first product, called the iQ. Priced at significantly less than conventional ultrasound imaging machines—it could make the scans vastly more accessible.

In another example, a novel way to locate “regions of interest” in dermoscopy images can improve the detection of skin lesions, through the use of an app on a consumer mobile device, enabling real time identification and diagnosis of cancer and other skin conditions, according to new research reported in arXiv.org, part of the Cornell University Library. The approach uses an attachment to a smartphone that improves its ability to image skin lesions.

Patient Monitoring

Livongo patient monitor app1.jpgThrough the use of apps and attachments, smartphones also can better inform patients who need to continually monitor their conditions. For example, in one study, patients with diabetes and uncontrolled hypertension who used a smartphone app were able to significantly reduce their blood pressure within six weeks.

The pilot study was funded by vendor Livongo, the maker of the app that remotely monitors blood pressure, provides recommendations on healthy choices and connects users with a health coach. The study showed that participants’ systolic blood pressure declined by an average of 5.4 mm Hg and diastolic pressure declined by 3.5 mm Hg on average.

Communication Aid with Device Manufacturers

Mycarelink1.pngSmartphones also have the capability to monitor the performance of medical devices being used to aid patients. For example, Medtronic is marketing a mobile app for patients with pacemakers that communicates with patients’ smartphones and tablet devices. The MyCareLink Heart app securely sends device data to the Medtronic CareLink network, which can eliminate the need for remote monitoring hardware, according to the vendor, which manufactures biomedical engineering devices and technology.

The Caveats

Some physicians have voiced concerns about diagnostic devices being used in patients’ homes. Expertise and judgment are required when interpreting any medical test. Nevertheless, no one expects smartphone-based devices to completely replace the physician. Only trained cardiologists can read ECGs, and only trained neurologists can read EEGs. For other devices, physicians can and should actively participate in guiding the patient through the diagnostic and therapeutic process. Skilled nurses can help patients use these devices in ways that can greatly increase their accuracy. Still, there’s a risk that patients might take too much medical care into their own hands, increasing the need to offer close provider-patient interaction in their use.

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