7 Best things about Internet

Entertainment – You can listen to unlimited music, watch movies or read emails send out by your friends. You will never get bored if you have internet access and will be always preoccupied with lot of stuffs to do.

Savings – Online investments can be done easily with the help of internet. Investments like mutual funds, life insurance policy, online trading in shares / stock market, openings a fix deposit account or a savings account.

Communicate – Communication between friends, family or relatives through emails, social networking sites can be done easily. Also you can put across your views and opinions to the whole world and discuss with them effectively.

Shopping – Internet is used to purchase and sell all kinds of stuffs online. Great and fabulous offers are available online which can help you save few bucks and also can provide you with extra goodies.

Online Banking – Internet users can open savings, current, demat account easily and also access the same through net banking. Online fund transfer, Fixed Deposit and applying for a new cheque book request can be raised with help on internet.

Social Networking – World seems smaller and closer due to availability of social networking sites. You are now closer to your old friends and family members through social websites like Facebook, Twitter and Google+.

Start your own Business – Internet provides numerous opportunities to start up your own business online. You can start with a simple blog, online retail store, buying or selling of products, consultation, online surveys, data entry jobs and marketing of products. Online business requires less capital and no infrastructure as compared to other types of businesses.

7 Best things to keep in your wallet always

Emergency Contact Information – It is always good to keep your immediate / emergency contact details in your wallet. You never know when you might need it or need to share it. Basic information would always be required during crisis.

Driving License – This is a must and has to be a part of your wallet always. Let it be 2 or 4 wheeler license; it needs to be carried always. Driving License can be used as residential and identity proof in India

Pan Card – Government ID or Permanent Account Number card needs to be carried always in your wallet. PAN card can be used as photo identity in India.

Cash – Carrying extra cash in your wallet is always useful and advisable. During the time of urgency it can be useful to you or your friend.

Health or Medical Card – Health insurance card needs to be part of your wallet. In case of emergency or going to the hospital for a treatment these cards will help you in paying and saving hard cash.

Credit Card and Debit Cards – Payments, online shopping, buying policies or movies tickets can be done instantly with the help of credit or debit card. These cards help you in getting extra benefits like points, benefits and rewards.

Business Cards - You never know whom you meet up and have to share your business card, therefore it always recommended to carry few cards in your wallet. In today’s modern world you can always share your contact information through your phone.

7 Best things about using Credit Cards

More Purchasing Power – Credit Card provides you a facility to purchase now and pay later. This facility really helps during the time of festival when you want to buy something for your loved ones but do not have cash ready available.

More Savings – With the help of Credit Card you can be sure not to miss on any payments and save money by avoiding late payment charges. Insurance policies, premium payments, investments in ELSS, installment payments and online payments can be done through credit cards.

During Emergencies – Credit Card comes handy during the time of emergencies and its interest rate is always less compared to borrowed money from other institutions. Also you get 45 -52 days for making payments and save additional money.

Reward Benefits – Reward points are associated with every purchase you do with your credit cards. These points can be redeemed later to purchase goodies, movie tickets or gift articles through online.

Online Shopping – Customer or consumers can purchase products and services at a lesser rate and enjoy the benefits by making purchases through credit cards. Additional discounts are associated with credit cards, like 5% additional discount for HDFC Bank customers, bonus points, free gifts etc. which provides additional savings to the customer.

Additional Protection – Accidental, Life Insurance or Travel Insurance cover is provided too few types of credit card holders with additional charges. Credit cards may also offer you additional protection if something you have bought is lost, damaged, or stolen.

Miles – Free Air Miles can be earned and redeemed later to book flight tickets. Miles earned can be redeemed against 5 star hotel bookings giving you another reason to go on affordable vacations.

7 Best things about Mutual Investments

Managed by Professionals – Every Mutual fund is managed by professional fund manager. It is the duty of Fund Manager to buy and sell stocks after careful researched and increase the returns of the mutual fund.

Easy to Invest – Entering into mutual funds is very easy and requires minimum entering amount of rupees 500 per month or 5000 lump sum. Only basic documentation is required like a blank cheque, PAN Card number and address proof.

Diversification – Large and small investors needs to invest in different types of stocks and not in a single to minimize risk. Mutual funds allocate your funds in different kinds of stock so that when equity market gets crashed or very low, it does affect your funds drastically.

Liquidity – Mutual funds are liquid investments and you can withdraw funds anytime or once the lock in period is over. Mutual funds are linked to your banking account and funds get transferred automatically.

Regulated by Government – SEBI regulates all mutual funds in India on regular basis which provides comfort and assurance to its investors. All mutual funds need to submit and disclose their portfolios to SEBI every six months, which helps in keeping track of investments done by the mutual fund.

Reinvestment of Dividends – Option of reinvestment of dividends earned during the year / quarter can be reinvested into the same fund under mutual funds. Written applications are required to be submitted before hand to the mutual fund office.

Easy to Withdraw – Exiting from mutual fund is easy and money would be directly deposited into your account. Money gets deposited into your account 4-5 working days without much hassle, only written application with a blank cheque is required during withdrawal request.

7 Best things about Gold

Savings – Gold has been performing well over last 5 years and returned on gold investment has doubled. If you are looking forward for saving in gold for gifting to your children on their marriage or for your wife or relative, investing in gold is a good option.

Keeps your wife happy - Gifting gold to your wife in the form of jewellery or coins would always keep her happy and loving.

Good Returns – Gold provides good returns if invested with a long time view or investment period. Demand and supply do not have an impact on gold like other commodities.

Can be used as cash – Gold can be exchanged for cash easily whenever you are in need of money. Also loan is provided against gold by different financial institutions in market.

Easy to invest – Gold can be easily purchased in numerous forms like physical, coins, bars, jewellery and from different channels like gold ETF’s and e-gold.

Easily Available – Gold is available in variety of sizes starting from 1gm to 1kg in different types and forms like coins, bars and design jewellery.

Durable & Portable – Gold is more durable than other products like Silver and Platinum. Gold does not react with other chemicals and change its compound. Gold is portable and can be transferred or carried easily from one place to another.

7 best ways to Go Green

Energy:

· Unplug your electric devices if you not using them or not required

· Switch to CLF bulbs instead of your regular fluorescent bulbs
· Use solar power for heating water, lighting bulbs
· Use natural lights and switch off lights to enjoy natural world
· Wash clothes with cold water instead of hot water. Dry them in the open air and in dryers
· Switch off your computers and mobiles in the night, do not put it to sleep or vibrate mode
· Keep your office or room at normal room temperature

Plastic:

· Don’t use non recycle plastic water bottles

· Switch to recycle paper bags, cloth or jute bags instead of plastic bags
· Don’t use plastic cups for your daily coffee or tea, buy a mug for yourself

Water:

· Take shorter showers using minimum water

· Brush your teeth without running of water
· Don’t leave your taps open, fix or repair the leakage
· Try to use recycle water for your daily use, watering plants.

Gas:

· Try to walk or ride a cycle on short distances

· Switch off your car engines on traffic signals, parking lots
· Go for car pooling or sharing if you can
· Take the local train, bus to office or market instead of going by your own car
· Use battery power cars or bikes instead of regular petrol / diesel cars / bikes

Paper:

· Print on both the side of the paper instead of single page

· Use recycle paper materials
· You handkerchief or less napkins whenever possible
· Recycle your newspapers and save trees
· Pay your bills online and do not ask for paper bills
· Go to a library or download from internet. Don’t buy books from market

Food:

· Try to be a non vegetarian for one day

· Eat and cook as per your requirement, don’t overcook and waste food
· Give away your extra food to needy instead of throwing it away is dustbins

Plantation:

· Plant trees and enjoy fresh trees

· Grow fruits and vegetables in your garden and eat fresh
· Save trees from cutting down and have plantation near your house
· Eat green vegetables as much as possible