Tags Posts tagged with "Top Ten"

Top Ten

63

Studying continuously for long hours is a challenge for most of us. This is the reason why most of us feel stranded during the time of examinations because we are not able to concentrate into things. The fear of examinations makes us anxious and we are not able to study in requisite amount thus, not be able to complete our revisions of the end moment. Ultimately, our marks are marred due to lack of practice. Well! Marks are important as our knowledge because they matter in the long run helping us gain admissions in reputable institutions especially, in the Indian Education System which is marks-oriented.

Though the practice of studying at the last moment is not appreciable but it is not wrong to accept the fact that every one of us tend to make the best use of the twelfth hour as we tend to remember and memorize the facts and figures at the maximum rate!

Well! Dear readers, herein we present to you the tips that would help you study and prepare for your examinations at the last minute: –

  1. The first and foremost thing is your belief. Yes, you should have enough confidence in yourself that you will be able to complete your syllabus and prepare all the topics. The ‘Yes, I can’ spirit helps you stay motivated and work efficiently till the end.
  2. Secondly, focus on working smartly. You must try to cover the important topics first and study coherently. Instead of mugging up each and every aspect, you must try to split the study material into small portions and focus on memorizing them. Well! Those small portions could be divided into sub-topics and remembered efficiently.
  3. Thirdly, stay away from distractions. Reduce your activity at the social media accounts of yours and keep your phone away from your sight. Yes, ‘out of sight, out of mind’ phenomenon is tremendously helpful and facilitate you focus on your studies.
  4. Fourthly, before starting you must take good rest and you must begin with a fresh mind. You must collect all your study material and keep ample amount of fruits, water and snacks with you. This helps you to sit and study constantly thus, streamlining your studying process.
  5. Don’t change your place frequently. Sit and study till your target is done. Getting up again and again result in distraction and then, developing the same concentration level again is both difficult and time-consuming.
  6. Follow 52-17 algorithm. Study for 52 minutes and take rest for rest 17 minutes. This methodology works as a therapy or precisely, a ‘placebo effect’. It replenishes your energy and helps you start afresh.
  7. While learning, opt for preparing flow charts and learn the things into point format. While practicing for examinations, one must practice by writing. In case you have a slow writing speed, set a timer of 5 minutes and try completing a selected amount of portion in 5 minutes. This helps in writing answers fast during examinations. Try preparing all your answers in lucrative style with a candid language and plenty of keywords.
  8. While learning, prefer to read a bit louder so that your ears can hear and comprehend your words. Self-hearing helps you to memorize the key points at a comparably faster rate.
  9. Try not wasting your mornings. Sit in the morning and give yourself a target to complete in your day. Try making a schedule for a day. Later, don’t deviate from your work, target and belief. Complete your work and prepare your topics soundly.
  10. Lastly, work diligently and practice all the important questions which are expected to come in the examination. Well! To crack any examination, it is important to know the methodology of solving the paper.

At a personal level, we don’t appreciate the last-minute study and we suggest studying regularly thus, increasing your knowledge-quotient however, at the same time, last-minute study has its own importance in lives of all students. Hope, these tips emerge to be useful.

 

 

51

Well! It is the dream of every one of us to purchase a dream house once in a lifetime however, in today’s era the price of the properties are skyrocketing and hence, people have problems in purchasing the house. In order to facilitate people purchase a house, the banks and financial companies under both public and private sectors lend loan to the borrower.

With plethora of options available to borrow a home loan, the normal person is tremendously confused. Thus, in order to clarify all your confusions, herein, we bring up a simple guide to help you borrow a home loan and fulfill your dream of having a luxurious house ahead.

  1. File your ITR regularly. Well! Filing your Income Tax Return helps you build up your CIBIL Score. A CIBIL Score of 750 is desirable in the case, you want a loan. If your score is low, many banks and financial companies avoid giving you a loan or they might prefer to give you a loan at a higher interest rate.
  2. You must research for various options available which can provide you a loan with effective interest rates. Apart from this, it is also essential to gather information about the postulates of loan agreement and their foreclosure norms.
  3. Understand the fundamentals of interest rate. Notably, there are two kinds of interest rates: floating interest rate and fixed interest rate. Floating interest rate depends upon the stock market whereas the fixed interest rate remains same till the foreclosure duration whether it is 15 years or 20 years.
  4. Comparison of the involved processing fees is essential. Yes, it is quite necessary to know the details regarding the processing fees, file charges etc involved while the loan is being processed. It is variable for different banks and financial companies.
  5. Check your affordability criterion. Before finalizing your loan, it is necessary for you to counter-check your own affordability criterion as your bank/financial company does. Well! Practically it is extremely difficult to repay the loan in the case, you can’t afford it. Thus, decisions should be made wisely.
  6. Insure your property. Insurance of your property which is supposed to be mortgaged for a home loan, ensures the option of repayment in the case you won’t be able to do the same because of certain adverse circumstances. Hence, insuring your property is an intelligent idea.
  7. Don’t depend on your loan agent. All the loan agents tend to sell the loan for the bank/financial company that pays an effective incentive to them. Notably, if the cost of commission is high, your processing fees and interest rate is also comparatively higher. Thus, you must not depend upon the loan agents and try at government banks for loans.
  8. Ensure the legality of your property. Yes, you must check all the legal papers of the property which you are planning to buy. After all, if you are leaving no stone unturned to purchase your dream house, your property should not be illegal or else, you will be at loss and no bank would prefer giving loan for a property with illegal issues.
  9. Make appropriate down payments. Along with the legal documents of the token money and down payments, you must try to make maximum down payment. In this manner, you will be able to timely foreclose your loan, thereby, reducing the interest on your loan amount.
  10. Spend conservatively to foreclose your loan before time. This ensures reduction in your compound interest thus, saving your money a great deal. It is also found that foreclosure norms are now relaxed and the borrowers don’t require paying extra if they wish to foreclose their loan before time.

Hope this is an interesting and informative article. Well! Now if you are planning to purchase your dream house, you can apply for a home loan to combat the high expenditure involved thereby, maintaining your budget.

Best of Luck!

Stay tuned for such informative articles.

 

 

58

Many a times, we plan to complete a task but at the end of the day, we are again left with our incomplete tasks, work pressure, frustration and dissatisfaction.  Thus, we tend to regret to have wasted a complete day.

Okay, if you are in the same boat regretting to have wasted your day; herein, we have few tips to help you save your time and earn productive results at the end of the day.

  1. Follow a schedule for the day. In the morning, you can jot down the important tasks of your day and try sticking to them. You should diligently aim at completing your work.
  2. Avoid distractions. All you have to do is, set up your priorities and you must try to complete the task at higher priority level first.
  3. You should avoid the distractive sensory stimulations. Yes, while working, you should concentrate at your work without the distraction from your cellphone. You can switch off your internet and put your phone at the silent mode.
  4. You should avoid doing multi-tasking. Yes, it is better to complete a task efficiently rather than working on many tasks at a same time. Multi-tasking leads to decrease in efficiency and quality of the work thus, increasing the time.
  5. When doing a work for the first time, try to do it impeccably. Well! If you don’t work perfectly for the first time, you need to repeat it and it is again a time-consuming dint.
  6. Take a sheet of paper and make 24 columns in it. Mark each column as 1:00, 2:00, 3:00 and so on till 24:00 as per the 24-hour clock. Cross your sleeping hours. Say if you sleep from 8:00pm to 6:00 am; cross from 20:00 to 24:00 and 1:00 to 6:00. Now for every hour, take out 5 minutes and list down the work done. Well! Now depending on your priorities; you can decide how much you wasted and improve later on.
  7. Give yourself a break of 5 minutes after an hour of continuous working. You can take deep breaths in order to rejuvenate your energy and then get back to your work afresh.
  8. Began to trust people especially when working as a team. In order to save your time, you must divide the tasks among your team members and complete your share of work. This way not only your time is saved but your quality of work also improves.
  9. Before starting your day, having the list of tasks to be completed is a must. However, it is more important to have well-defined objectives and clear goals for your day and your life to save your time in long run.
  10. Stop listening to your mind when it attracts you towards distractions. Try to set up small goals and stay determined to complete them. Don’t deviate from your scheduled routine.

Hope this helps to save your time and yield effective, productive results.

Stay tuned for such kind of articles.

Woman has many definitions according to the mindset of people. I would define a woman as a multi-tasker capable of maintaining a balance between professional and personal lives similarly like a man. Hence, ideally the stress of survival for a man and a woman should be equivalent however; in the real situation life of a woman is not easy.

Yes, it is not easy to be a woman and I can provide several facts proving this but herein, I am giving ten momentous reasons to prove this:-

  1. When a girl is born, many times, the families are not happy. The birth of a girl is considered as a liability while that of a boy is considered as a moment of pride. This is the reason why female foeticide is prominent in the states of Haryana, Rajasthan and others.
  2. Even if the girl is not killed inside the mother’s womb, she is killed at every moment of life when the father considers her as a liability. Her pain is heartfelt when she is not allowed to play and study as her brothers and male cousins. She finds it is inhuman treatment when her parents ask her to do the household stuff because she is a girl. Yet, she gets accustomed to the circumstances.

Well! Because of these two main causes, the girls suffer other kinds of discrimination also. Coming back to them: –

  1. The girl has to get accustomed to the circumstances which she does not find favorable otherwise, she is considered as a characterless woman. The girls are considered as the reputation of the family and hence, their life is amidst numerous conditions while boys are free. The girl has to wear clothes accordingly otherwise she might be a victim of eve-teasing. It seems as if it’s the responsibility of the girl to protect herself from all the unwanted stuffs and the most of the times she should bear the nasty comments because she is a girl. Well! This is a norm but boys are often not punished for eve-teasing a girl except of the case, when girl rises the voice and make an official complaint strongly.
  2. Girl should not enjoy the late night parties or else her character is judged. A woman can neither come late to her house. A lady should not oppose the wrongdoers or else they can contaminate her character. After all, rapes happen in our nation but the problem is that the character of a rape victim is subjected to judgment but not the deed of the brutal rapist. A rapist can get married and start a family but a rape victim can’t.
  3. A normal woman should be a super-heroine. She should take care of her parents, her in-laws, her husband, her kids, her job, her house and everything else. And above all, if she misses even a duty, she can be a subject of humiliation, or harassment. She is neither safe in her house nor at her workplace. She can be a victim of sexual harassment at her workplace and if she oppose, her character is again at the stake of judgment. Same happens, even in her house wherein she could be a victim of domestic violence, emotional harassment, dowry harassment, marital rape and what not but being a woman she should endure every adverse circumstance.
  4. From her home to her workplace, she is not at all safe. The people tend to judge her character on the basis of her clothes, her lifestyle. Thus, she has to live her life according to her families’ and her society’s customs and she is not independent to live her life as she wants and if she opposes, than it’s not at all good for her.
  5. She should be educated, beautiful, intelligent, and must be earning well. Her parents must also give hefty dowry in order to get her married. When, everything is required yet, if a girl belonging to a typical Indian family wants to step out of her hometown for studies or job, her professional growth is amidst the constraints of the societal norms.
  6. Such is the mindset of our nation that we have help-lines to protect women and we have laws to provide justice but the basic necessities for a woman are considered to be the items of luxury. The Personal Hygiene Items for a woman are subjected to 12% of GST and are considered amongst the item of luxury while the Family Planning Items are considered as necessities and are tax-free. The hypocrisy of our nation is clear.
  7. Scientifically, the woman suffers the pain equivalent to the pain suffered during a heart attack during the five days of her menstrual cycle. And during pregnancy, the gestation period is also associated with unbearable pain with long-term consequences. Apart from this, the labor pain during the delivery of the child has an extremely high density. Every woman suffers this stuff in her lifetime and moreover, she endures and emerges out of it. Yet, she is considered to be fragile. The fact is that she is the strongest.
  8. The fathom of a woman’s heart is unbelievable. She is so much attached to her family and loved ones that she has stamina and power to sacrifice her career, her life. Yet, at any moment she can hear that she has not done anything.

Well! I was compelled to write this article due to the hypocrisies in our nation. We tend to respect and worship a woman Goddess Durga during Durga Pooja yet in reality; we tend not to respect the women in our lives. We tend to mistreat our mothers, sisters, spouses, friends etc by judging them at various moments of the life or by not encouraging them following their instinct. Herein, I don’t want to preach about equality or discrimination. All I want is that the readers must give a thought and feel the pain of the woman’s heart when she finds her life to be difficult because a woman’s life is not easy.