Which is the best SIP or Lumpsum ?SIP - Mutual funds boon to Middle class

 SIP is systematic investment plan. It is one of the best method or tool to invest in Money market. This is mostly helpful to the those section of society who do not want to take risk yet want to invest in Money market. SIP is gaining attention through vigorous advertisement and companies initiative. There are so many things associated with SIP which make it popular and lucrative and attractive. Let me tell how..

Why SIP?

Disciplined Investment:

The good thing about SIP is you can invest monthly/quarterly periodically and systematically. When you do it systematically , there is always discipline associated with it. You will not loose the focus and makes your investment option ease. 

Less amount:

SIP can start from lesser amount right from 100/500 rupees. Not your burger costs this much. If this is invested in mutual funds, you will be allocated units as per the NAV of the unit price. As you continue to invest for longer duration, you will accumulating larger units that will result in big returns.

Compound interest:

SIP mostly involves compound interest on the returns. you will be getting interest on interest rate on the amount invested. So if you start early , by the time you retire it will result in huge corpus.

Two powerful Investment strategies: Rupee Cost Averaging - BEATS INFLATION Power of Compounding - Creates wealth in longer run

How to pay:

Investor needs to select the best mutual fund (of his choice parameters) and can pay in 2 or 3 ways 

1.By cash in CAMS center

2.Auto debit by submitting Bank mandate

SIP helps the investors to invest not worrying about the volatility of the market. No matter how the markets swings and times, SIP gives the advantage for longer run.

Conclusion:

SIP Investment  is best option compared to Lumpsum, if you want to start small.

Ask you advisor as per your investment strategy, he can help you.

Invest in small, it can build corpus.

Invest for  long term , have patience. 

I also recommend few books if you are interested to read ...here they are ...

Books to read:

Tread Mill - My Initial review and Experiences

My experiments with my newly bought Tread mill -Economical.

Seeing my laziness and sedentary life, my parents have bought us a treadmill hoping that we would get up from the chair and walk on it ,as part of exercise and shed some calories. Well, they ordered in a day, we got it in few days from amazon. When product came home, we were surprised with the packing and heaviness with which it was carried by salesman. This was like BAHUBALI pulling the Statue to be erected of Bhalla. Two people came and dispatched them. Neither we could open it nor we hade any equipment to cut the package and assemble. In few minutes it got message saying that trained men are going to come for assembling it. This is part of the picture.😆

They scheduled time and came in time. They are from FITKIT. When you you know that you are not going to be workout guy , you will not certainly take look in to the equipment, but because of the mammoth package in front us , it drew our attention. We were sitting and seeing how the people were dissembling it and and assembling the whole equipment. It had come to perfect picture after fitting everything in place. Man, that was awesome. Only thing left was to walk on it. The trainers gave us complete list of do's and don'ts , which we didn't listen at all.. Who will listen to those conditions which will be anyhow not remembered if you have two naughty kids jumping , swimming on that belt of tread mill. After they left only thing left was to stand from my chair and walk for at least 15 min so as start on that auspicious time.

Got up early in the morning and forgetting the terms and conditions , stood on the tread mill and made switch on. It started and made my step in it one by one ... good, the walk was smooth. Slowly completed 15 min and felt I achieved a lot in my life. The chair sitting on the corner was looking at me as if it was missing me for years . After 15 min shedding few calories realized that I really missed the treadmill not the chair...💪

what I liked in Fit kit tread mill

1.Smoothness

2.Economical

3.Good customer support

4.User friendly instructions

5.Good switches to operate in different modes ( Speed mode, time mode, calories mode , distance mode)

6.Nicely inclined to meet the elevation 

7. Voltage regulator for house hold operations can be used.

It doesn't have pulse rate indicator - This is not there as it is basic model , but ok if you are not worried and want to start off initially...

If you want to buy , if you are not heavy workout guy , want to start with a basic equipment go ahead and order this ...(click on the image to go the amazon page)

Children, Education, Financial planning and Real life..

Life is beautiful yet for it be more beautiful one needs to add more of money to it.

A youngster coming out of college and getting job will only think of happy life and Beuatiful life but not about how to make it. What he has studied in subjects was just a theory and had no practical implementation. Now he comes to face the true colors of life, which he cant avoid nor he can live devoid.

Rejection:

The youngsters or children are ,never in school journey, made to learn the HABIT of ASKING. Later in life , the do not dare to ask good salary , nor ask what injustice is happening to them, nor ask what they intend. Life is full compromise in the fear of losing .Education system or schools  should make changes to curriculum for them to train on how to ASK and how to handle if they face rejection. They should learn the concept of SELLING before they start earning. Rejection is MANTRA for to be more firm and think about next steps.

Financial planning:

Children from the beginning should be taught on concept of saving. Math should have question on how much you earn, how much you save, simple interest, Compound interest with real life examples. They should be trained to add, subtract with money in hand. Real world lives on money not on the figures written by pen.

Get on to this world of reading books..

Natural ways of protecting ourselves from Mosquitoes

Natural ways of protecting us from Mosquitoes

Are you protecting yourself against mosquito bites?
Mosquito bites cause infection and result in malaria, Dengue, and Chikungunya
It is a must to use a mosquito repellent (of any sort ) because at least It protects you from mosquito bites, infections passed by mosquitoes and deadly diseases spread by them.

Good, coming to the point... we have been using the mosquito liquid repellents since our childhood and but we never bothered about what is there in it, how it is going to affect to us... I realized this when I have seen this mosquito repellent pack with this tag "NO Transfluthrin".

Few things to understand:

 What is Transfluthrin?
 Its effect on our bodies
 Any alternative to this chemical?
 Natural ways of protecting us.

 What is Transfluthrin?
Transfluthrin is a fast-acting pyrethroid insecticide with low persistence and is used in the indoor environment against flies, mosquitoes, moths, and cockroaches.

 Effect on our bodies
 It may cause symptoms of poisoning including nervousness, anxiety, tremor, convulsions,
 skin allergies, sneezing, running nose and irritation.

 Though used in the prescribed amount, if the product containing Transfluthrin is used in prolonged time, everyone is going to face the above side effects.
Now there is a need to see for other alternatives...

Alternatives- Any other repellent!I'm not going to suggest nor am I discouraging to use. But I will not recommend repellents for sure.

Adopting natural ways to repel mosquito is the only way.

SAY NO to Mosquito coils.
SAY NO to fast or flashcards.

let's explore Natural ways...

1. Lemon eucalyptus essential oil - adv:- Lemon eucalyptus also helps relieve the symptoms of the common cold, like congestion and coughing.
2. Buy organic mosquito repellent after thorough research online. https://amzn.to/2smNKSn 
3. Best OPTION: Buy mosquito net for your beds, especially for kids..  https://amzn.to/2u1JQyF

 -->https://amzn.to/2u1JQyF
If they want to grow up healthy .all they need is a Good night without a mosquito bite.😊

Please leave your comments below ...

Sankranthi Telugu movie Alavaikuntapuramlo ..2020 New release

Sankranthi Telugu movie Alavaikuntapuramlo ..2020 New release 
With so many movies released in this festival season of Sankranthi..Alavaikuntapuram lo seems to be crowd puller and paisa vasool movie for telugu audiences.

First few minutes of movie is enough for the crowd to get glued to the seats.The story line screenplay,action,comedy,songs dance and music will extract all the money you paid for.

Things I liked in #ALAVAIKUNTAPURAMLO

1.Role of Murali Sharma:

He plays the role of father of Allu arjuna.The way he got in role and portrayed middle class family head is awesome and neatly carved.Claps to this guy from my side.

2.Allu arjun Role:Very balancedly he does his role.Every grand father or parents would like to see his kids behave like hero.He is naughty,responsible,Clever and does the one man show.He proved what he can do once again.

3 Trivikram: This man needs a hit badly and he gave it. Some of the directors are to be in industry not for hits but to maintain ethics,cultural standards and morals.And Trivikram is the one.

Songs are already hit and are in the vocal chords of Telugu people...Thaman to be given credit...

Meme from my side for this movie..pic:courtesy:Youtube

Conclusion:

Go and watch now ...with families buddies...

Real sankranthi is in theatres....

Leave your comment as well...below

Gachibowli to Kothaguda Auto Journey

If you  haven't witnessed or taken roller coaster ride and want to see thriller journey for 20 min ..then take the sharing auto from 6pm on ward's on a weeday from gachibowli to kothaguda..

They will charge 20 to 30 rupees depending on the traffic and climate and need.

You will be squeezed out and will fit in places you never dared to sit.

The huge traffic will give you frequent breaks and auto will not move even a inch.

If you are talkative and good at making friends then This is correct time to talk to drivers in auto. Being restless and tired and at the same time doing job ,one should learn from them.I bet you can even make biopic of them with ease.

Autorikshaw are meant for 3-4 people but in Hyderabad it is 8 to 9 with ease.

If you take ride in auto, make sure you have insurance,health insurance, term insurance.

Getting out of Auto is taking out nimbu or lemon after you extract the juice...

Take a note of this guys..keep rocking..

Lowering Ego ,Lowering Self
Higher u GO,Raising Thyself.... written in 2001