5 steps to start a financial independence for Home Makers

 5 steps to start a financial independence for Home Makers

1. Create a budget: Start by writing down all of your income and expenses. This will help you identify areas in which you can save money and track your progress over time.
2. Set financial goals: Take the time to figure out what your financial goals are, such as saving for a down payment on a house or taking a vacation. Having goals can help you stay motivated and on track.
3. Build an emergency fund: It’s important to have a financial cushion in case of an emergency. Start by setting aside a small amount each month, and gradually increase the amount as you become more comfortable with the process.
4. Invest: Investing can be a great way to increase your wealth. Consider opening a retirement account and contributing regularly. You can also invest in stocks and mutual funds. For stocks, you can start with the brand you know and use everyday like Amazon, Google, Disney etc. If interested in looking at Robinhood below is an affiliate link where you can join: join.robinhood.com/dhanyaj1
5. Seek professional advice: If you’re feeling overwhelmed or unsure of where to start, consider speaking with a financial advisor. They can provide you with personalized advice and support to help you reach your financial goals.

Asin thontumkal

 

$1m vs. $1MM...what's the difference?

$1m and $1MM can both represent $1,000,000

Typically, in real estate the short hand for $1,000 is $1K, while the shorthand for $1,000,000 is $1m. 

In finance, however, we use $1M to represent $1,000 and $1MM to represent $1,000,0000.

MM in Roman numerals
MM is an abbreviation for millie millia, which in Latin means million. The two words translated separately mean the singular thousand and the plural thousands--a thousand thousands. Together they translate as directly as million.

Example: $1,400,000 Can be expressed as $1.4 million or $1.4mn or $1.4m or $1.4MM or $1,400k or $1,400M.

T.I.R.E. Tips

Tread:
Place an upside down penny in the tire tread. If you can see all of Lincoln’s head, the tread is too low and you need a new tire

Inflate:
Check air pressure once a month. Low tire pressure can cause tire wear and poor

Rotate:
Rotate your tires every

Evaluate:
Evaluate your tires everyday for any abnormal wear, cracks, and nails.

How to find UNREAD mails in Outlook

Find all my unread messages

The headings of unread messages are displayed in bold text in your Inbox. The number of unread messages can be seen next to the Inbox folder in the Navigation Pane. You can find your unread messages in the Unread Mail folder under Search Folders in the Navigation Pane, where the unread messages are arranged by folder.

Find all my unread messages

1. In the Navigation Pane, click the plus sign (+) next to Search Folders to display its subfolders.
2. Click the Unread Mail folder.

Your unread items are displayed in the message list.

Courtsey: Microsoft Outlook site.

How to change the thumbnails on your youtube video - Video thumbnails

Learn how to get and use regular and custom thumbnails on YouTube.

Video thumbnails let people see a quick snapshot of your video. After your video is finished uploading, you'll be able to choose a thumbnail from the three options YouTube automatically generates. To select the one you'd like to use, simply click the thumbnail and click Save changes.

Here's how to change a thumbnail at any time:

1. Click your username in the upper right corner.
2. Click Video manager
3. Click Edit for the corresponding video you'd like to change.

Uploading custom thumbnails

To upload a custom thumbnail when you upload a video:

1. Record or upload your video.
2. At the end of the video processing stage in the upload interface, you will see an option to choose a Custom thumbnail under the "Video thumbnails" section.

To upload a custom thumbnail for an existing video:

1. Go to your channel Video Manager.
2. Locate a video and click the Edit button.
3. Click the Custom thumbnail button and upload a thumbnail.
4. Once the thumbnail is uploaded, don't forget to click the "Save Changes" button.

Custom thumbnail best practices

Size

Your custom thumbnail image should be as large as possible, as the image will also be used as the preview image in the embedded player. We recommend your custom thumbnails:

• Have a resolution of 1280x720 (with minimum width of 640 pixels).
• Be uploaded in image formats such as .JPG, .GIF, .BMP, or .PNG. 
• Remain under the 2MB limit. 

What comes after primary, secondary, tertiary?

What comes after primary, secondary, tertiary? The sequence continues with quaternary, quinary, senary, septenary, octonary, nonary, and denary, although most of these terms are rarely used. There's no word relating to the number eleven but there is one that relates to the number twelve:duodenary.

Car names Acronyms - FUN

 FIAT: Failure in Italian Automotive Technology.
 FORD: For Only Rough Drivers.
 HYUNDAI: Hope You Understand Nothing's Drivable And Inexpensive....
 VOLVO: Very Odd Looking Vehicular Object.
 PORSCHE: Proof Of Rich Spoiled Children Having Everything.
 OPEL: Old People Enjoying Life
 TOYOTA: The One You Only Trust, Always.
 HONDA: Hanged Over, Now Driving Away.
 BMW: Big Money Waste.
 MARUTI:
 Made According to Roads Users, Typically Indian.

Check PF balance online for Bangalore and Chennai

You want to check PF balance online for Bangalore and Chennai division. click on the below link and enter details in the form.

Click Here for New Link which was launched 01-July-2011

Bangalore
PF Balance Bangalore

Chennai:
PF Balance Chennai

once you click on the above link please enter the following details on the form.

1. Select the PF office where your PF account is maintained.
2. Enter the establishment code. eg if your PF account is KN/2345/19876 then 2345 will be your establishment code
3. Enter the employee number in the above example 19876 will be your employee number.

after entering the all the details press submit button to know your PF opening and closing balance.

Note: If data is not updated you will not see any results.

Now you can also track your claim status.

To know the status of your PF claim click here

Life is too short

“Life is too short to waste any amount of time on wondering what other people think about you. In the first place, if they had better things going on in their lives, they wouldn't have the time to sit around and talk about you. What's important to me is not others' opinions of me, but what's important to me is my opinion of myself.”
~ C. JoyBell C.

AM I WITH THE RIGHT PARTNER?

• Every relationship has a cycle… In the beginning; you fall in love with your partner. You anticipate their calls, want their touch, and like their idiosyncrasies. Falling in love wasn't hard. In fact, it was a completely natural and spontaneous experience. You didn't have to DO anything. That's why it's called "falling" in love.
  
  People in love sometimes say, "I was swept of my feet."Picture the expression. It implies that you were just standing there; doing nothing, and then something happened TO YOU.
  
  Falling in love is a passive and spontaneous experience. But after a few months or years of being together, the euphoria of love fades. It's a natural cycle of EVERY relationship.
  
  Slowly but surely, phone calls become a bother (if they come at all), touch is not always welcome (when it happens), and your spouse's idiosyncrasies, instead of being cute, drive you nuts. The symptoms of this stage vary with every relationship; you will notice a dramatic difference between the initial stage when you were in love and a much duller or even angry subsequent stage.
  
  At this point, you and/or your partner might start asking, "Am I with the right person?" And as you reflect on the euphoria of the love you once had, you may begin to desire that experience with someone else. This is when relationships breakdown.
  
  The key to succeeding in a relationship is not finding the right person; it's learning to love the person you found.
  
  People blame their partners for their unhappiness and look outside for fulfillment. Extramarital fulfillment comes in all shapes and sizes.
  
  Infidelity is the most common. But sometimes people turn to work, a hobby, friendship, excessive TV, or abusive substances. But the answer to this dilemma does NOT lie outside your relationship. It lies within it.
  
  I'm not saying that you couldn't fall in love with someone else. You could. And TEMPORARILY you'd feel better. But you'd be in the same situation a few years later.
  
  Because:

  
  The key to succeeding in a Relationship is not finding the right person; it's learning to love the Person you found.
   
  SUSTAINING love is not a passive or spontaneous experience. You have to work on it day in and day out. It takes time, effort, and energy. And most importantly, it demands WISDOM. You have to know WHAT TO DO to make it work. Make no mistake about it.
  
  Love is NOT a mystery. There are specific things you can do (with or without your partner), Just as there are physical laws Of the universe (such as gravity), there are also laws for relationships. If you know how to apply these laws, the results are predictable.
  
  Love is therefore a "decision". Not just a feeling.
  
  Remember this always: God determines who walks into your life. It is up to you to decide who you let walk away, who you let stay, and who you refuse to let GO..
  

What is 'Michhami Dukkadam'

Michchhami means to be fruitless (forgiven) and Dukkadam (Dushkrut) means bad deeds. Therefore the meaning of Michchhami Dukkadam is my bad deeds (with you) be fruitless. So concept behind saying or writing someone "Michchhami Dukkadam" is that if I have done any harm to you, then those bad deeds to be forgiven (be fruitless).

Those who are born in Jain families are familiar with the meaning.

How to create a Good Business Card

What to Include
A personal business card should provide the contact information necessary to get in touch with you. Your phone number and email are most important, but you should also include links to your relevant social media profiles like LinkedIn or Twitter. And if you have a website or blog, consider including its link if you think it will help you impress employers.
Don't over-clutter the card. Stick to the basics, and leave off these extras:
--Your address
--Your specific job experience
--Your fax number
--Multiple phone numbers (stick to your main number)
Options like these may help you stand out:
--A tag line: How do you summarize yourself professionally in a sentence?
--A photo: Pictures can help people remember you.
How to Design Them
The font should be readable and consistent. Don't go for cute, or your card will be thrown away. If you have a personal logo, include it, but make sure it's not so distracting that people are turned off.
Paper choice is important. If the card stock you use is too flimsy, it cheapens your image. Opt for thicker stock, look at different textures, and consider matte versus glossy when printing.
Business cards come in a variety of shapes and sizes. Simply displaying the information vertically makes your card a bit unique. You could also play around with skinny business cards (about the size of a stick of gum) and foldouts.
And speaking of design, it's important to determine your budget for creating the cards. It's easy to get carried away with all the options. If you're on a shoestring budget, go with Vistaprint.com or Moo.com, which offer basic templates you can customize. If you've got a little bit more to spend, try 99designs.com, which has designers vying to create your cards, all at a modest cost. If your budget is even higher, work with a graphic designer who can help you customize what you want to portray with your business card.

2012-13 Highlights of Union Budget

    Offering some respite to the common man, Finance Minister Pranab Mukherjee today proposed that the personal income tax exemption limit will be raised to Rs 200,000 (Rs 2 lakh) from the existing Rs 180,000.
    Thus persons earning up to Rs 2 lakh a year would not need to pay any tax. The finance minister also revised the income tax slabs. The new tax slabs and rates are as follows: (Click on next)
    • For annual income up to Rs 2 lakh: No tax
    • For annual income from Rs 2 lakh to Rs 5 lakh: Tax at 10%
    • For annual income from Rs 5 lakh to Rs 10 lakh: Tax at 20%
    • For annual income above Rs 10 lakh: 30%
    The finance minister also said that interest earned up to Rs 10,000 per year would be tax free too.

    No advance tax for senior citizens.

    Health insurance deduction up to Rs 5000 for preventive health checkup. FY13 market borrowing at Rs 4.79 lakh crore.

    Service tax net widened; to include most sectors.

    Negative list to include pre-school and high school education, entertainment services.

    Sale of residential property exempted from capital gains if invested in equity or equipment of an SME.

    All services to be taxed except those in negative list.

How much is $1mm in U.S. dollars?

Think in terms of Roman numerals. The value is not case sensitive.

One "M" equals three zeros, or...

M = Thousands [000]
MM = Millions [000,000]
MMM = Billions [ 000,000,000]

 

Psychology of colours.

Have you ever wondered what different colours mean? Especially in logo and web design the choice of colours can have a great impact on how customers react to the products.....

Protective Steps - When you lose your mobile

If u lose your mobile..............??

This is how it works!!!!!!

1. Dial
...
*#06# from your mobile.

2. Your mobile shows a unique 15 digit.

3. Note down this no anywhere but except your mobile as this is the no which will help trace your mobile in case of a theft.

4. Once stolen you just have to mail this 15 digit IMEI no. to cop@vsnl.net

5. No need to go to police.

6. Your Mobile will be traced within next 24 hrs via a complex system of GPRS and internet.

7. You will find where your hand set is being operated even in case your no is being changed. PASS ON THIS VERY IMP MESSAGE TO ALL YOUR FRIENDS AND RELATIVES.

If u lost your mobile, send an e-mail to cop@vsnl.net

With the following info

Your name:

Address:
Phone model:
Make:
Last used No.:
E-mail for communication:
Missed date:
IMEI No.:


Keep all these information stored for emergency use..

Internet Slang- TTYS Meaning

What is TTYS? Talk to you Soon

GMAT Eligibility and Fees

Anyone and everyone is eligible for taking the GMAT - there are no restrictions based on age or qualifications. The test scores are valid for five years, i.e., most universities accept scores up to five years old. But it is always better if your scores are recent (not older than 2 years).

The fee to take the Graduate Management Admission Test (GMAT) is US$250 worldwide. You will incur taxes when you schedule an exam in certain countries.

Preferred Forms of Payment

• By credit card
    * Credit card (Visa®, MasterCard®, American Express®, or JCB®)
    * Debit card (Visa® or MasterCard® only)
• By cashier’s check (mailed forms only)
• By money order (mailed forms only)
• Personal check (mailed forms only)

Payments by check must be payable in U.S. dollars and drawn on banks located in the United States.

All payments must be made in full, include the correct numeric and written fee amount, have the appropriate signature(s), and be made payable to Pearson VUE-GMAT.

Postdated checks will not be accepted. The bank name and its location should be preprinted on the face of the check. Taxes must be included where applicable and the appointment date must be at least 10 calendar days after the check is received to allow time for the check to clear. Please keep in mind that it can take up to eight (8) weeks for letters to reach the U.S. from some countries.

By sending a personal check, you are authorizing Pearson VUE, at its discretion, to use the information on your check to make an electronic debit from your account for the amount of your check; no additional amount will be withdrawn at that time. You are also authorizing Pearson VUE to make an electronic debit from your account of an additional service fee of US$20 in the event your check is returned.

If payment is not submitted in U.S. dollars, or otherwise does not comply with the above requirements or other standard banking practices, your registration or request for service will not be processed and your payment will be rejected and/or returned.

Difference between ITR 1 and 2

ITR-1 (Saral-II) is For Individuals having Income from Salary / Pension / Income from One House Property (excluding loss brought forward from previous years) / Income from Other Sources (Excluding Winning from Lottery and Income from Race Horses.

ITR-2 is For Individuals and HUFs not having Income from Business or Profession