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Change your bad money habits to make good investment decisions



Read Time: 3 minutes

Investors often face several confusions while investing due to lack of understanding about the suitability of different investment avenues. If these problems are not tackled initially, they could lead to a flawed investment decision, which can prove disastrous for your finances.

Lack of knowledge

To be in control of your hard earned money, the best way is to educate yourself about your investment. There’s no substitute for knowledge. It’s the starting point for building long-term wealth. Getting educated and staying in-control of your investment aids in defending your portfolio from unnecessary losses and the biggest benefit is that it provides peace of mind around money. Financial literacy will bring you not only financial wealth but also social wealth.

Bad habits

We are creatures of habit, even when it comes to our money matters. While some habits can pave the way for wealth and prosperity, others can lead to financial ruin. Bad money habits become so ingrained in us that they have the power to ruin future investment plans. Let us look at some of them:

Avoid random shopping – Shop with a list that will help you save your money from being spent on unwanted stuff

Make a budget – If you don’t keep track of your spending pattern, you will never know where the leaks are and how you can stop them. If you find it difficult to stick to your plans, you can start by keeping a track of your cash flow, segregate your expenses between need and luxury and carefully re-evaluate where every penny goes. An average of 30-35% of your monthly income should be directed towards investments.

Just because syndrome

Always remember one size doesn’t fit all. This applies as much to clothes and shoes as it does to investments. Stop making irrational decisions related to your investment only because your friend or relative told you or they themselves are invested in it.


Inflation is like a bug that eats into your savings and leaves your bank balance hollow. A lot of people grapple with how to insure oneself against inflation. It is important to understand the meaning of real rate of return, which is after deducting the expected rate of inflation from the nominal rate of return.

If you expect your investments to grow at 12% per annum and inflation to grow at the rate of 7% per annum then the real rate of return would be positive 5%. On the other hand if you expect your investment to grow at 5% and inflation to grow at 7% then the real rate of return would be negative 2%, that is, inflation is eating up your money, your money is de-growing by 2% per annum. In order to maintain the same standard of living you enjoy today your investments need to grow at a substantially positive real rate.

Behavioral biases

All investors are prone to behavioral biases which can have an adverse impact on their investment returns. These biases affect our behavior and prevent us from acting in our own best interests. Some biases to avoid include:

Due to loss aversion bias the pain of losses is twice as much as the pleasure of gains and investors are adamant to avoid entering the markets in the same fear.

As a result of bandwagon effect, when we rely too heavily on social information — listening to what our neighbors and friends say — we slowly begin to ignore our instincts.

The real challenge for being financially successful is fighting your enemies that block your path and pull you down. It is those who overcome these enemies and keep on the course that find financial security and, eventually, financial independence.

You won’t be successful in every battle. However, if you manage to turn a few losses into wins, you’ll find yourself moving faster and faster on the path, with more confidence and momentum than ever before, and that alone will go a long way toward bringing you the success you desire.

Nisha Shiwani hails from the pink city of Jaipur and is a prolific writer. She loves to write on Real Estate/Property, Automobiles, Education, Finance and about the latest developments in the Technology space.

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Modiji campaigned during the last five years but never uttered a word on un employment, agrarian crisis and traders effected by demonetisation n GST



Priyanka addressing a mammoth public meeting in Pathankot, Punjab
Read Time: 2 minutes

There were thousands n thousands of Congress supporters andthe local electorates to tumultuously greet the Nehru Gandhi family’s daughter and thenewly appointed general secretary at Pathankot in Punjab when highly jubilant, enthusiastic and full of positive energy Priyanka Gandhi held a road showand thereafteraddressed a mammoth public meetingwith slogans hailing her and the Congress party rented the air. The entire market area, roads, house tops and terraces were completely jampacked with surging crowds extremely eager to have the glimplse of a new leader in themaking which according to them resembles to late prime minister Indira Gandhi in words n actions.

Under the scorching sun Priyanka Gandhi addressed the unending crowd of highly enthusiatic supporters with immense ease and in a jubilant mood pronouncing the prime minister Narendra Modi as an actor who’d always been on the publiscity hunt trail for the last five years befooling the people of the country on false n fake promises through rhetorics but never ever talking or deliberating on pivotal issues of national concern like employment, agrarian crisis n distress, suicides by thousands of farmers, aftermath ill effects of demonetisation n GST including promoting crony capitalism. Amid cheers and pro Priyanka Gandhi slogans.

She exhorted the people to stand in support of Congress party and vote for its candidates as the central BJP government has completely failed on all the fronts of development, providing employment to millions of youths and giving impetus to the smalland medium businesses. Priyanka Gandhi asked the traders had their businesses not been destroyed during the imposition of draconion Notebandi n GST and the collected answer from the crowd was a huge YES.

The chief minister of Punjab captain Amrinder Singh and minster in Punjab government Sidhu also addressed the crowd on this ocassion.

Seeing the mood of the people gathered in Pathankot in thousands, raising pro Congressn pro Priyanka slogans it looked abosultely unambiguos that the political tide in Punjab is in favor of Congress party.

Priyanka Gandhi’s pivotal presence and impressive speech had made people believe that it’s only the Congress party which can deliver them adequately on all fronts rather than the BJP led NDA which literary did nothing on employment, agrarian and traders front during its five year rule.

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National SC ST Commission summons the CS, DGP n IG law n order in Jitendra Dass murder case taking suo motto cognizance



Traumatic family members of the deceased Jitendra Dass killed by some upper caste people in Tehri Garhwal
Read Time: 2 minutes

The member of the National Commission for Sheduled Castes and Sheduled Tribes Dr. Mrs. Swaraj Diwan has taken the suo motto cognizance of the diabolical murder of the resident of Tehri Garhwal Jitendra Prasad hailing from dalit community, who was mercilessly beaten to death few days ago while he was having dinner in a marriage party, sitting on a chair in front of the members of a higher caste.

The culprits have been arrested after tremendous media hype under section 302 n 307.

The National Commission of Sheduled Castes and Sheduled Tribes based in Delhi has summoned the DG Police, Uttarakhand, Chief Secretary, IGP law and Order, CMO and SSP Tehri Garhwal n other senior officers with the details of the case.with performance report.

Mrs. Dr. Swaraj Diwan has expressed her shock n serious concern over the heinous crime by the upper caste members on a dalit for no fault of his and assured the traumatic family members of the Commission’s all possible help and adequate financial support. She assured that the culprits would be penalised with the most stringent punishment.

She has also exhorted n appealed to the general public not to politicise the situation for vested interests as this is the time to bring the culprits of this brutal crime to justice.

It may be recalled that crime graph in Uttarakhand seems to be on the rise as hundreds of incidents of women insecurity and lawlessness has been on ascendence during the past few years.

Few months ago an 18 year old girl who was being stalked for several days was immolated by a young culprit in broad daylight who had a one sided crush on her.

She later on died with 90% burns in Safdarjung hospital. Such criminals with an intent to commit diabolical acts should be dealt with severely so as to send across a strong message of deterrent in the society.

The National Commission of SC/ SC has summoned all the senior state officers on 15 th May in New Delhi’s Lok Nayak Bhawan, Khan Market, the headquarter of the Commission.

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CBSE Class 10th board exams 2020 to have fewer questions?



Read Time: 2 minutes

The Central Board of Secondary Education (CBSE) is most likely to change the exam pattern for 10th board exams. The board is likely to decrease the number of objective questions asked in CBSE class 10 board exams. The questions will be replaced by more detailed answers to ensure creative writing and discourage rote learning.

“The changes will be part of the routine review exercise ahead of exams. Once the changes are finalised, sample papers will also be released so students get an idea and also get to practice the same before exams,” a senior CBSE official said.

Board experts are considering if they can decrease the number of questions and increase the marks for each question and encourage students to write elaborative answers.
It would not be an overhaul of the entire question paper but minor changes and students have nothing to worry about,” the official added. The board is also thinking about methods to diversify the current format of objective questions carrying one mark each.
In another major development, the board is conducting two-level exams for class 10 mathematics and English papers from 2020 onwards. Reportedly, a total of 20 marks will be assigned for school-based assessment in each of the exams.

Mathematics and English exams for CBSE class 10 will be conducted in two-levels. Those who clear the internal exam will be eligible for the theory exam.

In mathematics 10th board exam 2020, students will also have an option to select the difficulty level of their mathematics exam. Those who choose the easier version, however, could not take mathematics as a major subject in higher studies. According to a CBSE’s official circular released in 2018, the current mathematics subject will be called mathematics-standard and the easier level will be called mathematics-basic. The same will also be introduced from 2020 onwards.

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Civil right activist Irom Sharmilee gives birth to twin daughters at a Bengaluru hospital



Iron Lady Irom Chanu Sharmilee with twin babies n husband at the Bengaluru hospital
Read Time: 2 minutes

Popularly known as the Iron lady of Manipur, North East, Irom Chanu Sharmila who underwent 16 protracted years of protest hunger strike from 2000 till 2016 and thereafter force fed the liquid diet, demanding withdrawal of draconion Armed Forces Special Powers Act that allegedly killed several innocents in Manipur and the North East, yesterday gave birth to two baby twins in a Bengaluru Hospital, named as Irom.Sakhi and Autimn Tara, named after the female incarnation of Lord Budha.

Her husband Desmond Coutinho was present in the hospital at the time of delivery of his twin daughters. A human right activist and a fighter since begining Irom Sharmila raised voice against the imposition of Armed Forces Special Powers Act enforced in the North East in view of the increasing insurgency. She termed it as draconion as according to her under the guise of this act the para military allegedly killed several innocents.

She gave up her fast in the year 2016/ 17 and thereafter married a friend who took care of her during her addmission in hospital undergoing hunger strike. The private hospital where she gave birth to the twin babies is known as Cloud Nine. Both the daughters are hale and hearty.

The couple had posted the picture of the new born girl childs in their twitter handle. Good number of tweets by her fans and followers appearing with heartiest congratulations and good wishes. Born on 14th March 1972, 47 year old Iron Lady Irom Sharmilee has also formed Peoples’ Resurgence and Justice Alliance after she gave up her protracted hunger strike and contested the assembly elections from Manipur against the then CM Ibobi Singh to lose badly as she had no tesources to contest elections nor did she accepted any inside or outside donation in the state.

Apart from being a civil right activist she is also a writer and a poet. In one of the tweets one Priyanka Sarkar wrote while congratulating her: Congratulations Irom Sharmila. Hope you will raise your children to be fighters. To be as strong as you. To be inspiration for all who want to achieve their dreams. It was just a co incidence that when the entire world was celebrating the International Mothers Day, civil right activist Irom Chanu Sharmilee gave birth to twin girl child. WOW.

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Padma Shree Sehnaz Hussain is a pioneer in herbal healing and promoter of Ayurveda products, globally



Padma Shree Shehnaz Husain, her saloon and beauty brands
Read Time: 1 minute

Padma Shree Shahnaz Husain is one of the India’s leading woman entrepreneurs, who has relentlessly promoted Ayurveda worldwide, with a crusader’s zeal.

She embraced India’s tradition of herbal healing, creating an international market for Ayurvedic beauty and health care.

Today, she heads the largest organization of its kind in the world with a global network of franchise salons, spa, retail outlets, beauty training academies, as well as 375 Ayurvedic formulations for beauty and health care.

Shahnaz Husain is also the pioneer of vocational beauty training in India. More than 4 decades ago, when only apprenticeship training was available, she started her beauty training academy, providing professional beauty training, in keeping with international standards. In fact, she has spoken at leading international universities, like Harvard, MIT, Oxford University and London School of Economics.

She spoke at Harvard Business School on how she established an international brand name without commercial publicity, becoming a Harvard Case Study. Today, she is a Harvard Subject in Business History for “Emerging Markets.”

The beauty world offers several lucrative career avenues, with tremendous opportunities for growth and specialization.

The Shahnaz Husain International Beauty Academy has trained thousands of students for lucrative and successful careers in beauty.

The beauty academy offers basic and advanced Diploma Courses, as well as advanced training in make-up, hairstyling, spa treatments, traditional Ayurvedic treatments, aromatherapy, Shahnaz Signature treatments, etc.

Shahnaz Husain has received several prestigious international awards. She became the first woman in 107 years to receive the World’s Greatest Woman Entrepreneur Award from the New York based Success Magazine, as well as Padma Shri Award.

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Prestige Group Inaugurates Three Landmark Properties In Bengaluru



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The three properties, Prestige Technostar, Prestige Falcon City, and Prestige Gulmohar come under commercial, mixed-use and residential developments.

Speaking on the occasion of the inauguration, Irfan Razack, CMD, Prestige Group said, “In recent years, the property market of Bengaluru has taken a U-turn in terms of demand and supply. The country has recorded a 75% increase in the launch of new housing projects across various cities. The same has been witnessed in the commercial, retail and mixed-use segments too,”

He added that the group has got a positive feedback after the launch of the above three developments. We thank all our valuable property buyers for giving these properties such a good response.

About Properties

Prestige Technostar: Prestige Technostar is a commercial development situated on Brookefield Main Road. The commercial space is hosts to 1.8 acres of landscaped central open space, world-class office space spread over 10,54,655 sq ft along with water features and social zones. The development also offers Food & Beverage facilities, a gymnasium, a crèche, parking for 1897 cars, etc.

Prestige Falcon City: It is a mixed-land development which consists of 2,520 world-class housing units, massive retail area, and the largest Forum Mall in Bangalore. Located at Kanakapura Road, the project is spread across 41 acres of area, the housing units on offer are 2, 2.5,3 and 4 BHK apartments with spacious and state-of-the-art architecture. Prestige Falcon City  also houses the giant clubhouse, entertainment zone, cultural and convention center, etc.

Prestige Gulmohar: The residential development is spread across 3.27 acres of area and is situated on Horamavu Main Road. The 404 residential units (2, 2.5 and 3 BHK) are spread across 5 Towers with some brilliantly-crafted amenities. All the units are spacious, well-ventilated and Planned with luxurious and mind-blowing interiors. The property also houses amenities like gymnasium, Badminton court, health club, multipurpose hall, swimming pool, etc.

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TSR and YSR Congress n DMK would have a prominent say in the event of hung parliament ?



Read Time: 4 minutes

Now since the last phase of polling and the date of declaration of polls results are nearing, the anti BJP opposition parties and the regional political outfits have started energising their efforts to ensure that all of them consolidate themselves in their own ways so as to prove their mettle for the post of prime minister.

While in BJP led NDA coalition, it’s crystal clear that in the event of the saffron party n its allies getting the requisite majority the name of the incumbent prime minister Narendra Modi is the unanimous and undisputed choice for the top leadership but things still differ in this context in the Mahagathbandhan n the regional parties.

Though in the past too the UPA led by Congress has ruled for ten years and in the aftermath of emergency in 1977 the Janata Party led by Morarji Desai etc Chandra Shekhar, Vishwanath Pratap Singh, HD Devegowda n Inder Kumar Gujral also ran coalition governments but except the one led by Congress n BJP, the previous coalition governments have not been entirely succesful.

Anyways, here we are talking of the Mahagathbandhan and the regional parties.

Just yesterday, the DMK chief Stalin, son of late DMK patriarch M. Karunanidhi had a very cordial meeting with the chief minister of Telengana n TRS chief Chandra Shekhar Rao at the former’s Chennai residence.

Political observers say that it was an exercise to form a non BJP and non Congress third front especially of the Southern parties in order to create a pressure group to ask for a major political share( even the post of PM) in the event of the formation of the non BJP opposition set up after the election.

The party of YSR Jaganmohan Reddy too is expected to be roped in in this new formulation.

It is believed that the DMK, TRS n YSR Congress of Jaganmohan Reddy in Andhra, if prove successful in coming together can have a credible say with 40 to 45 member of Parliament, said to be enough to play a key role in government formation in the near future post 23rd May.

As per the news poring in KCR has send a message to Congress leadership that while TRS is ready to accept the Congress nominee as the anti BJP prime minister obviously Rahul Gandhi but in case some allies of NDA come with him they have precondition for a non Congress prime minister obviously referring to himself perhaps.

However it is believed that the Congress leadership has made it absolutely clear that in order to keep the BJP out of power it is even ready to accept the leadership of the regional party to take the cudgels of prime minister in his hand.

Congress chief Rahul Gandhi had earlier too made it absolutely clear that he is not the one for PM’s post n can even sacrifice his desire for the sake of keeping BJP out of power.

However, in the meeting of the grand alliance it was decided in principle that which ever party gains the maximum numbers of seats post 23rd May the candidate of the highest number of seats scoring party would be nominated as the future PM from the Mahagathbandhan.

Meanwhile, Andhra Pradesh chief minister Chandra Baba Naidu who’d already announced about his disinterest for the post of the future prime minister from the grand alliance’s side has also initiated his hectic efforts to channelise the anti BJP opposition forces and has emphasised the need for a grand meeting of all parties before the declaration of final results.

But sources reveal that the other partners of the grand alliance viz Bengal CM Mamata Bannerjee and BSP Supremo Mayawati has objected to this proposal saying that let the picture of seats be cleared first after the 23rd May ( as to ) which political party got, what numbers. Sources reveal that over ambitious Mayawati and Mamata are apprehensive that if Rahul Gandhi is unabimously named the prospective PM candidate before 23rd than they’ll be doomed forever.

It may be recalled that Mayavati has already made her ambitions crystal clear about her intentions to be the prime ministerial candidate of the Mahagathbandhan in the eventuality of the alliance having sufficient numbers.

Similarly TMC chief n WB CM Mamata Bannerjee too is nursing the ambition to capture the country’s top slot.

Congress chief Rahul Gandhi who’s party is likely to get around 130 to 140 seats would be the PM’s candidate too in all probability, though he had made it amply clear that in order to keep BJP out of power he’s ready to give up his chances for the top slot.

Therefore the situation in the opposition camp seems to be quite fluid n confusive where things are not so comfortable n easy to come at a unanimity for the post of prime minister in case the chances materialise.

There is no dobt that the BJP despite having an upperhand to some extent would be suffering in UP, MP, Chattisgarh, Maharashtra, Rajasthan n in the Southern states and may fall short of 40 to 50 MPs or even more.

In view of this the role of the regional parties viz YSR Congress, TRS n BJD etc will definitely have a major say and it remains to be seen as to which side these parties are going to tilt.

Anything is possible in politics. If the anti BJP opposition can gamble by giving the top slot of prime ministership to the nominee of the regional party and the entire opposition rallies around them, may be the saffron party will be dethroned. If it dosen’t happen this side they will( regional parties) in all earnestness side with the ruling BJP getting most important portfolios and special financial packages for their states.

If HD Devegowda with just 39 MPs of Janata Dal can be the PM in the past why can’t the regional leader with good number of MPs be the PM especially when there is a conflict of interest amongst the non BJP opposition leaders like Mayawati, Mamata Bannerjee and Rahul Gandhi spitting venom against each other despite being in the grand alliance. What’s your take friends?

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Commercial profits: Land Prices in Hyderabad Up By 30 Percent



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Exciting news for Hyderabad real estate, according to a latest study by a leading real estate company, it has been disclosed that the price of land used for commercial purpose has shown a major-20-30% rise in last few years. The same has been observed in the rentals too which has seen a growth of about 20%.
As per the study, “The increase is due to the fact; Hyderabad has seen major traction from some of the leading real estate developers who showed their interest to set up their major commercial projects here.”
Some of the renowned developers who stepped forward for investment in the commercial market are Blackstone, XANDER, Ascendas, RMZ, and Salarpuria.
The report has increased positiveness amongst many experts who are rejoicing with the latest changes in the Hyderabad’s commercial property market. According to them, because of government’s initiatives like unrestricted Floor- Area-Ratio, the pace of construction is strong and fast in Hyderabad. This has also lead to price rise and growth in the demand and supply of the commercial properties.
Another expert mentioned that the city is an easy State to establish a business. At the same time, state government policies are also helping in the faster delivery of projects. He added that in coming years, Hyderabad is going to witness major attention from Flexible, technology-enabled and Coworking office space operators.
In residential sector also, Hyderabad has witnessed a major jump in past few years with leading developers construction both luxury and affordable housing projects for the potential home buyers thereby leading to an increase in the demand and supply of residential units

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Work of construction of tunnels in full swing at Vyasi, Rishikesh n Raano Gauchar, Garhwal Uttarakhand



Work of construction of tunnels in full swing at Vyasi, Rishikesh n Raano Gauchar, Garhwal Uttarakhand
Read Time: 2 minutes

The work of railways from Rishikesh to Karnaprayag is in full swing these days and the construction work of rail tunnels at Raano in Gauchar and Vyasi in Rishikesh is in full swing.

The RNVL which had till last September not got the permission from the forest department at Dehradun later on got the clearence after the intervention of the union environment ministry.

Primarily given impetus by the then union minister of state for Railways at the centre during prime minister HD Devegowda’s tenure, it was two years ago that the prime minister of India Narendra Modi launched it with complete fanfare by announcing it in a mammoth public meeting in Dehradun alongwith the over ambitious 12.500 crore Char Dham Yatra project earlier known as the All weather roads.

Work on both the projects have been in full swing though in Rishikesh n other parts of Uttarakhand thousands of green old trees have been rampantly cut n are likely to be cut in future as well thus adversely affecting the already fragile environment of the Uttarakhand Himalayas.

Costing over 16, 500 crores the railway project from Rishikesh to Karnaprayag, the work on which has started on full swing with tunnels already under construction at Raano in Gauchar and at Vyasi at Rishikesh , the total length of the railway line would be about 125 kilometres with the track gauze measuring 1.676 mm.

The highest elevation of the project would be at 4, 760 feet. The maximum running speed of the trains would be about 100 kilometres per hour.

The rail links will connect pilgrims towns of Rishikesh, Devprayag, ( the confluence point of Alaknanda and Bhagirathi to finally make it the pious Ganges), Srinagar, Rudraprayag, Gauchar, Karnaprayag as well as the five districts of Dehradun, Tehri, Pauri Garhwal and Dehradun.

About eighty five percent of the rail line would be in the tunnels, whereas only 15 percent would be in the open.

The escape tunnels for rescue and operations would also be constructed simultaneously.

According to the sources the original cost of the project about six years ago was merely 4000 crores but due to the delay in the delivery of the forest clearence the cost of the project shot up to staggerring Rs 16500 crores which may further go upin the future .

The project will consist of about 25 bridges and there would be a longest tunnel of 15.1 kilometres between Devprayag and Lachmoli on the railway route considered to the longest tunnel in India.

In all there will be 12 stations and 17 tunnels on the way from Rishikesh to Karnaprayag. The project would by fully functional by 2024- 25.

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Yeomen service by the volunteers of Uttranchal Bhratri Sewa Sanstha



Uttaranchal Bratri Sewa Sanstha volunteers carrying out the cleanliness driveat Nigam Bodh Ghat, Delhi
Read Time: 2 minutes

The youth volunteers of Uttranchal Bhratra Sewa Sansthan based at ( in) Delhi are doing a novel job of cleansing the Nigam Bodh Ghat cremetorium at the Yamuna riverside in Delhi, situated opposite the famous historic old Hanuman Temple at Kinari Bazaar, just twenty minute walk from Kashmiri gate Bus terminus.

About two dozen volunteers wearing their organisations’ orange colured T shirt arrive at Nigam Bodh Ghat cremetorium usually on Sundays or on holidays with brooms n cleaners and dedicate themselves to clean the entire area to ensure that it becomes neat n clean devoid of rubbish n filth.

The selfless volunteers of this NGO/ social organisation also manage adequate sitting arrangements like community benches,water taps n other facilities etc from the donors who are approached by the volunteers of this organisation.

In these days of materialism and hectic involvement, when human beings are busy minting money n running behind comforts, selfless volunteers Uttaranchal Bhratra Sewa Sanstha are undoubtedly doing a yeomen service by keeping the Nigam Bodh Ghat crematorium neat and clean n also providing amneties for the convenience of the people coming here for bidding last adieu to their near and dear ones. Such a selfless social service indeed deserve myriad appreciation.

According to one of the volunteers of this organisation Akhilesh Bhatt such activity and selfless service accords them immense internal satisfaction and pride to do something concrete for the place where one day each n every person has to come to bid final adieu to this materialistic world.

It may be recalled that hundreds of dead bodies arrive here on daily basis for performance of last rights according to the Hindu traditions.

The MCD n Delhi government in league with several socio religious organisations are looking after the maintenance and cleanliness of Nigam Bodh Ghat.

But despite the best efforts of the stakeholders it still gives a sorry look and the Yamuna river alongside is also extremely filthy n polluted.

Selfless social organisations like Uttaranchal Bhratra Sewa Sangathan volunteers are indeed a source of inspiration for others to follow suit n deserve kudos. They want to bring the Ghat to the standards of Haridwar ghat in the days to come.

Uttarakhandies has a sizeable population in Delhi and Nigam Bodh Ghat is also used by them to perform the last rights at the riverside of the ghat whereas other communities use the sheds n inner area to perform last rights here.

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