Author: Eduindex News
Two smartphones of Oppo will be launched today, will get 80W super fast charging, 50% will be charged in 15 minutes, know details
Today’s Oppo mega launch event is at 6:00 p.m.Two amazing smartphones of Oppo Reno 8 series, Oppo Reno 8 and Oppo Reno 8 Pro, will be presented at this launch event.The Oppo Reno 8 series smartphone is offered with 80W fast charging support.The company claims that these two smartphones can be charged up to 50 percent in 15 minutes.Oppo Pad Air and Oppo Enco X2 will be presented at this launch event.Possible specifications of the Oppo Reno 8 Pro Oppo Reno 8 Pro smartphone can be offered with 6.7-inch AMOLED display support.Triple rear camera setup will be available in the phone.The main camera has 50 megapixels.While a 32-megapixel camera can be specified for selfies, the phone comes with dual camera support.The phone can be offered with 4,500 mAh battery support.For charging, the phone gets 80W SuperVOOC fast charge support, but conditions of the spec changes can be seen in the processor.Dimenstiy 1300 chipset support can be given in the Oppo Reno 8 5G smartphone.The phone will get a peak brightness of 800 nits.A triple rear camera configuration will be available on the rear.The phone can be charged up to 50 percent in just 15 minutes.You can comfortably use the phone all day long on a single charge.
Personal Habits: Over-Apologizing
How would it feel when a person you know apologizes for something which isn’t their fault? If someone dashed into him, he would apologize saying, “ I am sorry, I didn’t see you coming my way.” There is a limit for everything and after a while it feels weird to hear them say sorry for so many things.
There are so many factors that lead you to apologize for things. It could be how you have been raised or it’s something you have seen your family do, maybe it’s how you see the world. Apologizing is good for finding peace in conflicts or relationships. You say sorry for the mistake you have made so you don’t repeat it again. It reassures a person that you genuinely didn’t expect the outcome that has come and you want to amend your mistake.
You should not apologize for something you have not done or you have done for something that needed help. When you dash into someone, you apologize because you should have seen him coming, but you shouldn’t apologize for someone who dashed into you when you have been standing quietly.
A lot of people apologize for the reason of avoiding conflict or because they feel that they made the other person feel bad. It usually is either of them. Sometimes, it’s guilt that drives them. Guilty for joking/pranking, guilty for ignoring them, guilty for not asking them or the feeling of guilt for putting themselves first.
Reasons why you feel like apologizing:
- You were taught to put others first: When you were a kid, you saw someone fall down. You rush to their aid and lift them up with your itty-bitty strength, and they thank you for helping them. You are praised by your family and the incident’s talked about at various family gatherings. It gives you the feeling of responsibility and makes you feel that you have to put others first and it should be your priority over anything. Fast forward to now, your friends ask for your help on their project, and you rush. You complete their project but yours gets delayed. Your sir calls you out in front of the class saying that you delay your work because of your laziness and your friend doesn’t stand up. Neither do they tell the sir after nor give you credit. You don’t say anything because your friend was first even if you were called out. You apologize to sir because you couldn’t finish it and not for helping your friend before yourself.
Truth: By putting others first, you don’t gain much but you do lose out on time that you could have used for yourself. If you had taken time to complete yours along with theirs, the work would have been completed quickly and efficiently with time to go over errors.
- You were taught to help others without seeing what you need: You always gave your grandpa medicine on time, you helped your mother in cooking, you would take the newspaper to your dad along with his morning tea/coffee, and you were always told to help people. Today, you help someone, no matter how much stress/workload you have. They ask for anything and you help them out. Sometimes, it’s just a text to their crush on how to ask out and you help them, despite the deadline of your project. So you apologize when you can’t help them because you are placing yourself first.
Truth: You need to see what help you need first so you can complete the necessary task at hand. The text can be sent anytime but your deadline can only be given once. You need to help others but you need to see if it is something that actually needs help.
- Scolded when you placed more importance on yourself: A lot of children are told to share and to not be selfish. If you have 2 chocolates, give it to your friend because you are a “good boy/girl”. After growing up, whenever you need new shoes or your family needs a new appliance, you choose the second option because it feels like a need but yours feels selfish.
*Appliance is used twice and placed for “Future Use”*
Truth: Sometimes, being selfish is good. You need new shoes and your home has enough appliances. By getting new shoes, you will stop getting the foot ache that you have been facing for the past 2 months. If you get new shoes, then you can work with more focus and more energy.
- Avoiding Conflict: In most cases, when you were a kid, your tantrums would cause your parents to scold you and you would face punishment, or your friends would distance you because you get angry frequently. The last one pushes a child to socializing issues and causes anxiety on how others perceive them for every single action they take. So, they apologize whenever someone raises their voice a little bit, no matter what the conversation is about. They want to avoid the conflict because they don’t want to face what happened earlier and become outcasted.
Truth: You will face conflicts in future, either in relationships or friendships, you need to understand why you should apologize and for what you should stand your ground. Conflicts are what brings people closer to understand the other person better by learning their needs. If you never have a fight, how will you know what the other person actually feels?
- Harmed someone in childhood: When a kid unknowingly harms someone, they get scared and cannot move because they don’t know what to do. Their mind goes blank and they freeze because this feeling is new to their system and it’s hard to know what to do next. The kid is then scolded and constantly lectured over and over again to the point the kid feels anxious to touch a person. When they grow, the anxiety grows with them and it constantly pricks them. What if the casual punch hit harder than it should? What should I do if I dash into someone a little too hard? Should I give them a handshake or fist bump? What if I punch them too hard? Let’s go with the handshake so I don’t hit them too hard.
Truth: It’s okay to give a fist bump or handshake or high-five to a person whom you know. You just need to relax your mind. If you want to touch the person but are scared of the force you put into it, then show a sign of initiation. For a handshake, raise your hand out in the form of a handshake, and wait for them to accept it. By showing initiation, you let the other person engage and guide you through the conversation.
Saying sorry is well and good but exceeding it drains you of your self-confidence. You are a person at the end of the day and you need to stop saying sorry for that. You are existing which means that you will make mistakes and you will learn, but saying sorry for things that don’t require an apology then it will just drain you. It’s not going to get fixed overnight because you have taken years to build this habit. It will be fixed if you work on it every time you notice it happening.
Thank you for reading this article. It is something I have faced and I have learnt how to overcome it. Leave a comment on how has overaplogizing affected your life and how have you overcome it or trying to overcome it.
Shabaash Mithu Vs Hit Box office: Rajkummar Rao is a 'hit' ahead of Taapsee Pannu's 'Balle', know the first day earnings of both the films
Shabaash Mithu vs Hit The First Fall Box Office Collection Day 1: This year has not been good at all for Bollywood films.One after the other the series of flops continues.This week’s release didn’t show anything special either.The first day’s earnings of Rajkumar Rao’s film ‘Hit: The First Case’, which according to Stree is yearning for a hit film, have also disappointed.If this film also remains a flop, it will be Raj Kumar Rao’s ninth flop in a row.Rajkummar Rao’s hit The First Fall released Taapsee Pannu also knocked on the door this Friday with her film Shabash Mithu. Taapsee’s previous films were released on OTT so obviously expectations would have been higher than for this film, but the fate of this biography of cricketer Mithali Raj looks worse than Rajkummar Rao’s hit. At least considering their poor opening, it doesn’t feel wrong to say that both Taapsee and Rajkumar disappointed audiences.Hit: The First Case brought in so many crores As far as Hit: The First Case is concerned, this film is a Hindi remake of a famous Telugu psychological thriller film of the same name. Alongside Rajkumar Rao, Sanya Malhotra also stars in the film.According to reports from Pinkvilla, the hit barely grossed 1 crore in theaters on its first day.On the other hand, it has also started to increase that Hindi audiences are losing interest in the remakes of South Indian hit films.This is why Shahid Kapoor’s Jersey, Shilpa Shetty’s Nikamma collapsed at the box office.Taapsee Pannu also faded Taapsee Pannu’s Shabaash Mithu wasn’t much liked at the box office either.Due to its poor performance, the film took in an opening of just 40 lakhs.Taapsee Pannu gave her life to make the film work.The reviews were also well received, but audiences didn’t reach the theaters.Although there is still a full weekend left, the film Shabash Mithu’s box office is expected to skyrocket somewhat on Saturday and Sunday.
Netflix's cheapest plan is coming soon, join hands with Microsoft
Netflix said it had Microsoft Corp.selected as technology and distribution partner for its ad-supported subscription plan.This is because the streaming platform is trying to spur slow subscriber growth by rolling out a cheaper plan.Netflix said in April it would launch a new, lower-cost version of its service to attract more customers.The announcement came after the earlier plan suffered losses after a long period of time, with the company’s subscriber base falling significantly.After that, the company reckoned with the upcoming huge loss and turned to this plan.Greg Peters, chief operating officer, said in a blog post that Netflix chose Microsoft for its ability to innovate and strong privacy protections.This revenue was generated by selling ads on various services such as the Bing search engine and its business-focused social network, LinkedIn.Last month, Microsoft a AT&T’s online advertising platform, Xandr Inc., also generated decent revenue.Let us tell you, Xandr enables advertisers to buy ad space on thousands of websites and audiences.For information, let us tell you that Microsoft President Brad Smith has served on the board of Netflix since 2015.The partnership was announced Tuesday ahead of Netflix’s second-quarter earnings report. The company warned investors that despite the return of popular shows like ‘Stranger Things’ that broke viewership records, we could still lose 2 million customers over this period. Netflix has partnered with several of its competitors to make this plan a reality, including The Walt Disney Company’s Hulu, NBC Universal’s Peacock, and Warner Bros.Discovery’s HBO Max.
RIDING TO DREAMLAND ! 🌈☁
Why do you 𝗡𝗘𝗘𝗗 𝗧𝗢 𝗦𝗟𝗘𝗘𝗣?
No one knows for sure, but most scientists believe that during sleep the brain organizes, processes, stores information & produce memories.
It also gives your body time to rest. If you don’t get enough sleep, you can become irritable & find it hard to concentrate.
💤 𝐇𝐎𝐖 𝐌𝐔𝐂𝐇 𝐒LEEP💤
A𝗴𝗲
newborns
3-11 months
1-3 years
3-5 years
5-12 years
11-17 years
adults
H𝗼𝘂𝗿𝘀 𝗮 𝗱𝗮𝘆
10.5-18
9-12 + several naps
12-14
11-13
10-11
8.5-9.25
7-9
The electrical activity of brain cells can be measured using special equipment.
The main waves are known as 𝗕𝗲𝘁𝗮 (consciously alert), 𝗔𝗹𝗽𝗵𝗮 (physically & mentally relaxed), 𝗧𝗵𝗲𝘁𝗮 (sleeping with reduce consciousness) & 𝗗𝗲𝗹𝘁𝗮 (deep sleep).
°•𝐒𝐋𝐄𝐄𝐏 𝐏𝐀𝐓𝐓𝐄𝐑𝐍•°
[REM: Rapid Eye Moment ; NREM: Non-Rapid Eye Moment]
Each night you repeat the NREM & REM stages about every 90 minutes until you wake up. The REM periods become a little longer as the night passes, which is why your longest dreams happen in the morning. During REM sleep, muscles are paralysed so you can’t act out your dreams.
°•𝐒𝐋𝐄𝐄𝐏 𝐃𝐈𝐒𝐎𝐑𝐃𝐄𝐑𝐒•°
SLEEP WALKING
Some people can get out of bed when they are fast asleep & walk around. Sleepwalkers have been known to drive cars & even commit murder while unconscious.
SNORING
This noise is caused when soft tissue at the back of the throat relaxes & vibrates during breathing.
TEETH GRINDING
Clenching or grinding teeth during sleep is called “Bruxism”. It can damage teeth, so sufferers often wear mouth guards.
SLEEP TALKING
Some sleep talkers make just random noises, but others hold long one-sided conversations.
SLEEP EATING
Sleep eaters raid the fridge while fast asleep. The only clue to their nocturnal activities the next morning is crumbs in the bed.
°•𝐃𝐑𝐄𝐀𝐌 𝐒𝐓𝐎𝐑𝐈𝐄𝐒•°
~This is something really interesting to glare~
• You dream several times a night, but only remember dreams if you are woken during them.
• You forget most of your dreams within ten minutes of waking.
• People who have been blind since birth have dreams with sound but no pictures.
• Some people dream only in black & white, not colour.
• You incorporate physical sensations & environmental factors into your dreams, such as feeling thirsty, needing the toilet or hearing car siren.

°•𝐓𝐀𝐋𝐋 𝐒𝐓𝐎𝐑𝐈𝐄𝐒•°
° Kid’s bodies release more growth hormone during sleep, so too many late nights can leave you short!
° When you wake up after a good night’s sleep, you will be about 3 cm (1 inch) taller than when you went to bed. During the day, gravity compresses the discs in your spine making you shorter, but as you sleep the discs expand again.
°•𝐒𝐋𝐄𝐄𝐏 𝐂𝐇𝐄𝐂𝐊𝐋𝐈𝐒𝐓•°
✔Lying down
✔Eyes closed
✔Unconscious to the surrounding environment
✔Can only hear loud noises
✔Occasionally moves body
✔Slow heart rate
✔Slow, rhythmic breathing
𝐒𝐨𝐦𝐞 𝐛𝐮𝐜𝐤𝐞𝐭s 𝐨𝐟 𝐪𝐮𝐞𝐫𝐢𝐞𝐬 𝐥𝐢𝐬𝐭𝐞𝐝:
1) Do you remember what you dreamt today?
2) Do you suffer from any sleep disorder?
3) Do you dream black & white or colourful?

Plzz… Do share some of your thoughts & themes regarding dreams hereby in comment section!
Thank you for your valuable time…
Hope you have a Good Night Sleep & Ride a Rainbow 🌈 in your Wonderful Dreams every night!! 💤
What The Rich Teach Their Kids About Money—That The Poor And Middle Class Do Not!
To parents everywhere,
a child’s first and most important teachers,
and to all those who educate, influence,
and lead by example
The Richest Businessmen
In 1923 a group of our greatest leaders and richest businessmen
held a meeting at the Edgewater Beach hotel in Chicago. Among
them were Charles Schwab, head of the largest independent steel
company; Samuel Insull, president of the world’s largest utility;
Howard Hopson, head of the largest gas company; Ivar Kreuger,
president of International Match Co., one of the world’s largest
companies at that time; Leon Frazier, president of the Bank of
International Settlements; Richard Whitney, president of the
New York Stock Exchange; Arthur Cotton and Jesse Livermore,
two of the biggest stock speculators; and Albert Fall, a member of
President Harding’s cabinet. Twenty-five years later, nine of these
titans ended their lives as follows: Schwab died penniless after
living for five years on borrowed money. Insull died broke in a
foreign land, and Kreuger and Cotton also died broke. Hopson
went insane. Whitney and Albert Fall were released from prison,
and Fraser and Livermore committed suicide.

So here is the argument I put forth. I really don’t expect most
people to agree with it because your home is an emotional thing
and when it comes to money, high emotions tend to lower financial
intelligence. I know from personal experience that money has a way
of making every decision emotional.
• When it comes to houses, most people work all their
lives paying for a home they never own. In other words,
most people buy a new house every few years, each time
incurring a new 30-year loan to pay off the previous one.
• Even though people receive a tax deduction for interest
on mortgage payments, they pay for all their other
expenses with after-tax dollars, even after they pay off
their mortgage.
• My wife’s parents were shocked when the property taxes
on their home increased to $1,000 a month. This was
after they had retired, so the increase put a strain on their
retirement budget, and they felt forced to move.
• Houses do not always go up in value. I have friends who
owe a million dollars for a home that today would sell
for far less.
• The greatest losses of all are those from missed opportunities.
If all your money is tied up in your house, you may be forced
to work harder because your money continues blowing
out of the expense column, instead of adding to the asset
column—the classic middle-class cash-flow pattern. If a
young couple would put more money into their asset column
early on, their later years would be easier. Their assets would
have grown and would be available to help cover expenses.
All too often, a house only serves as a vehicle for incurring a
home-equity loan to pay for mounting expenses.

Mind Your Own Business
In summary, the end result in making a decision to own a house
that is too expensive in lieu of starting an investment portfolio impacts
an individual in at least the following three ways:
- Loss of time, during which other assets could have grown
in value. - Loss of additional capital, which could have been invested
instead of paying for high-maintenance expenses related
directly to the home. - Loss of education. Too often, people count their house
and savings and retirement plans as all they have in their
asset column. Because they have no money to invest, they
simply don’t invest. This costs them investment experience.
Most never become what the investment world calls “a
sophisticated investor.” And the best investments are usually
first sold to sophisticated investors, who then turn around
and sell them to the people playing it safe.
Work to Learn—Don’t Work for Money
I remind people that financial IQ is made up of knowledge from
four broad areas of expertise:
- Accounting
Accounting is financial literacy or the ability to read numbers.
This is a vital skill if you want to build an empire. The more
money you are responsible for, the more accuracy is required,
or the house comes tumbling down. This is the left-brain
side, or the details. Financial literacy is the ability to read and
understand financial statements which allows you to identify
the strengths and weaknesses of any business. - Investing
Investing is the science of “money making money.” This
involves strategies and formulas which use the creative
right-brain side. - Understanding markets
Understanding markets is the science of supply and demand.
You need to know the technical aspects of the market, which are
emotion-driven, in addition to the fundamental or economic
aspects of an investment. Does an investment make sense or does
it not make sense based on current market conditions? - The law
A corporation wrapped around the technical skills of
accounting, investing, and markets can contribute to explosive
growth. A person who understands the tax advantages and
protections provided by a corporation can get rich so much
faster than someone who is an employee or a small-business
sole proprietor. It’s like the difference between someone walking
and someone flying. The difference is profound when it comes
to long-term wealth.
• Tax advantages
A corporation can do many things that an employee cannot,
like pay expenses before paying taxes. That is a whole area of
expertise that is very exciting. Employees earn and get taxed,
and they try to live on what is left. A corporation earns,
spends everything it can, and is taxed on anything that is
left. It’s one of the biggest legal tax loopholes that the rich
use. They’re easy to set up and are not expensive if you own
investments that are producing good cashflow. For example,
by owning your own corporation, your vacations can be
board meetings in Hawaii. Car payments, insurance, repairs,
and health-club memberships are company expenses. Most
restaurant meals are partial expenses, and on and on. But it’s
done legally with pre-tax dollars.
• Protection from lawsuits
We live in a litigious society. Everybody wants a piece of
your action. The rich hide much of their wealth using
vehicles such as corporations and trusts to protect their
assets from creditors. When someone sues a wealthy
individual, they are often met with layers of legal protection
and often find that the wealthy person actually owns
nothing. They control everything, but own nothing. The
poor and middle class try to own everything and lose it to
the government or to fellow citizens who like to sue the
rich. They learned it from the Robin Hood story: Take
from the rich, and give it to the poor.
Which one sounds harder to you?
- Work hard. Pay 50% in taxes. Save what is left.
Your savings then earn 5%, which is also taxed.
OR - Take the time to develop your financial intelligence
Harness the power of your brain and the asset column.
I have said it before, but it’s worth repeating. Financial intelligence
is made up of these four main technical skills:
- Accounting
Accounting is financial literacy, or the ability to read
numbers. This is a vital skill if you want to build
businesses or investments. - Investing
Investing is the science of money making money. - Understanding markets
Understanding markets is the science of supply and
demand Alexander Graham Bell gave the market what it
wanted. So did Bill Gates. A $75,000 house offered for
$60,000 that cost $20,000 was also the result of seizing
an opportunity created by the market. Somebody was
buying, and someone was selling. - The law
The law is the awareness of accounting corporate, state and
federal regulations. I recommend playing by the rules.
Getting Started
- Find an opportunity that everyone else missed.
You see with your mind what others miss with their eyes.
For example, a friend bought this rundown old house. It was
spooky to look at. Everyone wondered why he bought it.
What he saw that we did not was that the house came with
four extra empty lots. He discovered that after going to the
title company. After buying the house, he tore the house
down and sold the five lots to a builder for three times what
he paid for the entire package. He made $75,000 for two
months of work. It’s not a lot of money, but it sure beats
minimum wage. And it’s not technically difficult. - Raise money.
The average person only goes to the bank. This second type
of investor needs to know how to raise capital, and there are
many ways that don’t require a bank. To get started, I learned
how to buy houses without a bank. It was the learned skill
of raising money, more than the houses themselves, that
was priceless.
- Organize smart people.
Intelligent people are those who work with or hire a
person who is more intelligent than they are. When you
need advice, make sure you choose your advisor wisely.
Still Want More? Here Are Some To Do’s
The main management skills needed for success are:
- Management of cash flow
- Management of systems
- Management of people

12U2 Summit 2022: I2U2 Meeting Today, Modi-Biden Attends Virtually; The eyes of the world on the meeting
Prime Minister Narendra Modi will attend the first I2U2 Leaders’ Summit on July 14 with leaders from Israel, the United Arab Emirates and the United States.I2U2 aims to make joint investments in six mutually recognized sectors such as water, energy, transport, space, health and food security.The first I2U2 Leaders Summit will take place today at around 4:00 p.m.
A major topic of the meeting will also be how the partnership between the companies of these four countries can be advanced in order to overcome the great economic challenges. Joining this group of four countries (Quad) has many meanings for India.First, this will be the second quad with the US that India will be a member of.There is currently a quad coalition of India, America, Australia and Japan whose heads met in May 2022.At that meeting, these four countries had announced a grand agenda of economic cooperation and the Indo-Pacific economic framework.What is the I2U2 Summit?I2U2 stands for I2 for India and Israel while U2 stands for USA and UAE .I2U2 is a group of four countries namely India, Israel, USA and United Arab Emirates.These four nations will focus on food security and defense to create a new global standard.At this meeting, the future agenda of six key areas will be discussed.These will mainly include energy and food security.Another important topic of the meeting will be how to advance the partnership between the companies of these four countries to tackle the major economic challenges.The four countries are making efforts to strengthen economic parity partnerships in other areas of interest as well.Member countries will work to carry trade and investment to areas other than their region.The joint statement issued after the meeting will be monitored.
These leaders, including Modi and Biden, will attend the I2U2 meeting
The information from the Indian Ministry of Foreign Affairs on the forthcoming meeting on Tuesday indicates that it is only about economic, social and infrastructure cooperation. The Foreign Ministry has announced that Prime Minister Narendra Modi will attend the first I2U2 meeting, Israel’s Prime Minister Yar Lapid, UAE President Sheikh Mohamed bin Zayed Al Nahyan and US President Joe Biden. The decision regarding I2U2 was made at the meeting of the foreign ministers of the four countries mentioned above on October 18, 2021.After that, Sherpa-level talks between the four countries will also continue on an ongoing basis.
ICC ODI Rankings: India rewarded after spectacular win over England, leaves Pakistan behind
In the first match of the 3-match ODI series to be played between India and England, India won against England by 10 wickets.India received a big reward for this victory, overtaking Pakistan in the latest ranking published by the ICC. Before the game, the Indian team was fourth with 105 points, but with India’s spectacular victory, the team’s Elo rating has increased by 3 points and now sits in third place with 108 points, leaving Pakistan behind. Pakistan has slipped to fourth place with 106 points.With 126 points, the New Zealand team is still in first place, while the English team is in second place with 122 points.Australia is 5th in this list, South Africa is 6th.The Bangladeshi team is 7th and the Sri Lankan team is 8th.West Indies and Afghanistan are 9th and 10th respectively.Pakistan had it after a clean win over the West Indies in the just made it to third place last month but now India has overtaken it.India can keep their lead until Pakistan play their next game.That being said, if India needs to maintain their lead then they need to win both of their remaining games against England.
Web 3.0 : Financial Service Industry
How will the evolution of the web have an effect on Financial Services? This is a question that puts many financial institutions in peril but is it really something that will put banks out of business?
What is Web 3.0?
Web 3.0 is a new evolution phase that is coming into reality. The web as we know, is evolving into something more secure with more opportunities and various features. A lot of people don’t understand Web 3.0 and are scared of it. This will be a massive change on how we see the internet and how we will use it. It is going to be a decentralized platform and it will be individualized wherein you can customize your internet browsing experience.
The Royal Bank of Canada is utilizing millions of data points to train its own AI, resulting in fewer client calls and faster application delivery. Meanwhile, BNY Mellon, the world’s largest cross-border payments service provider, improved its fraud prediction accuracy by 20%. By researching real-time market data within nanoseconds, AI and high-performance computing (HPC) are combining to provide better and faster trading intelligence.
What does this mean for Financial Services?
Web 3.0 is transforming the finance sphere slowly into a decentralized place. Basically, you don’t need a financial institution governing your transaction or authorizing them. The transaction will only be initiated by you and reaches the receiver, in a matter of moments, without any middlemen. Using cryptocurrency, you can make transactions over blockchain that eliminates that bank server from between. Cryptos are digital assets that let users transact directly without a payment service provider in the intermediary, which means that they enable new forms of capital. Although Bitcoin remains comparatively low now, it still may provide effective money governance by preserving and protecting the data or memory of what our money represents. Then there is the unparalleled manipulation of fiat money. We can observe how central banks have significantly extended their balance sheets since the GFC and the ongoing pandemic COVID-19.
DeFi
DeFi is short for decentralized finance where there are no middlemen between you and the receiver. The transaction will be on the blockchain where the transaction time is reduced from time of hours/days, to moments that you can count on your hands. With DeFi, you can perform all transactions and services that are offered by traditional banks, without the bank in between. Now, you might wait for your transaction to be passed through because your bank should allow it and then it has to pass through the bank’s server.
DeFi uses cryptocurrency as the main currency because they are programmed using blockchain technology. There is a huge difference between CeFi and DeFi.
Effect on Financial Services
Undoubtedly, Web 3.0 has opened its doors for infinite opportunities and many FinTechs are utilizing them while traditional institutions are being left behind. These organizations are investing in their technology and its improvement in this rapidly changing market. These FinTechs’ major part of investment is into AI which are being programmed to understand the different problems faced by people and able to give out the solutions in a matter of seconds. This dependance on AIs is being constantly improved which are learning from their own errors and giving better and more efficient solutions. A survey by NVIDIA , according to it, nearly 83% of finance service professionals say that AI is essential for the companies’ success. It is also said that AI can improve company growth by 20%.
Conclusion
Web 3.0 is bringing so many opportunities while improving the present technology and organizations that are utilizing it will not be taking rest anytime soon. This technology is just going to become better and better. Every single day that we see this technology step up just shows that we are not done with technology, it can be better and more efficient and these companies are proving that to use everyday. Web 3.0 is showing more freedom of speech and thoughts than the present restricted web 2.0, decentralization is going to put back the control back in the hand of the User.
“Where there is life, there is growth
Where there is age, there is evolution.”
~Charles Darwin
Thank you so much for reading this article. I have added information from different websites and I thank them for their view on this topic. Do leave comments on different aspects of Web 3.0 that you think will change us.
The links to pages that helped me understand Web 3.0 better:
Financialit.net: How web 3.0 is transforming the financial services industry?
https://www.finextra.com/the-long-read/231/how-ai-is-powering-the-future-of-financial-services
What is Solar Architecture
Ind vs Eng: Shikhar Dhawan return, India playing eleven could be against England in first ODI
The Indian team will now play in the ODI series after Test and T20 on England tour.India won the three-game T20I series 2-1 against England.In the ODI series against England, Rohit Sharma will try to repeat the same success as the T20 series.India need to choose their XI very carefully to win the ODI series against England.There was news about Virat Kohli’s injury and his fitness will be monitored ahead of the game. Shikhar Dhawan will open the innings with Rohit Sharma in ODIs Will keep an eye on Virat Kohli’s fitness Suryakumar Yadav might be favored over Shreyas Iyer Shikhar Dhawan returns Shikhar Dhawan has returned to the Indian ODI team and Gabbar will once again open with Rohit Sharma. Dhawan played his last ODI for India on February 11 this year against the West Indies and now four months later he will play again in the ODI series against England.Virat Kohli will start as the number three in the team, who is currently struggling with his form.His form is definitely a problem for the team, but Kohli will also have a chance to regain his form in this series.Suryakumar’s claim is strong There are two contenders for fourth place on the ODI team, including Suryakumar Yadav and Shreyas Iyer, but Suryakumar is more likely to be placed over Shreyas Iyer. Rishabh Pant joins the team as the wicketkeeper batsman, although his batting order can be changed depending on the situation.After that, Hardik Pandya and Ravindra Jadeja can be included in the team as all-rounders.Chahal can be given preference over Akshar Yuzvendra Chahal can be given preference over Axar Patel in the first ODI against England.Speaking of speed attack, Jasprit Bumrah and Mohd.Shami will be the team’s first choice.On the other hand, Shardul Thakur and one of the famous Krishna can get a chance as the third pacesetter in the team.However, a Krishna famous for his fast pace seems more likely. Team India is likely to play in the starting XI for first ODI – Rohit Sharma (Captain), Shikhar Dhawan, Virat Kohli, Suryakumar Yadav, Rishabh Pant (week), Hardik Pandya, Ravindra Jadeja, Jasprit Bumrah, Mohammed Shami, Shardul Thakur/Samvid Krishna, Yuzvendra Chahal.
Destructive Habits: Bias
There are many habits that destroy your mental peace, happiness and mostly you. Some of them are usually with different addictions or because of people but what destroys you as a person depends on how you view things and people around you. Your environment is what shapes you but to be different, you have to do it by yourself.
The most common habits have become common because we are more focused elsewhere than ourselves. To be a better version of yourself, you need to view your flaws and work on them.
- Spotlight Effect: We overestimate how much attention people give to our words and appearance. Imagine you said something but it felt wrong after it came out. In reality, everyone only remembers it for the moment and immediately moves to the next topic. We ponder over it for days, forgetting that others don’t care as much as we do about it.
Example: “The red shoes don’t match the outfit at all! I guess the guys are laughing because of it”
*Red shoes matched the outfit better than you imagined*
Truth: No one cares about you as much as your loved ones do. Everyone is just a temporary traveler in your life and you have to be okay with it. Dress how you want and be how you want to be.
- Status Quo Bias: We prefer for things to be the same; usually change is viewed as a negative aspect of life. If you adopt a new habit that cuts out something from your life, you immediately feel guilty of not being able to manage it, so you quit your new habit for the old one because it feels more comfortable.
Example: “I like to paint, but the classes are on Friday, I won’t be able to party! I can always paint later so let’s party now!”
*Proceeds to miss out on an amazing experience*
Truth: Change is hard. To adapt to a new routine and new place is always difficult and your mind is stuck on the old routine, but only then do you learn more about yourself. You may like to paint now, but when you explore it, you may not want to put the brush down! You need to explore that change for a while to know more about yourself.
- Zeigarnik Effect: We focus more on the incomplete tasks than the ones that have been completed. Sometimes, we forget to see that we have accomplished many things on the way, and we focus on the ones that we have not accomplished yet. It pushes you to feel bad that you are not able to do anything.
Example: “Bro I lost the Table-Tennis Pan-India Semi-finals! I feel so like I can’t do it anymore”
*Came so far by winning championships and tournaments*
Truth: You have to see where you are today. Look behind you and see the different hurdles you had to come across. You didn’t cross them just to go back did you? It does feel bad to not achieve something the first time you try it, but when you achieve it, after toiling for some time, the fruit is incomparable.
- Pessimism Bias: We tend to overestimate the possibility of negative outcomes. We always have a small part of your mind that searches for a negative outcome. What you see and ask for, is what you get and have. You will increase the chance of losing the opportunity if all you see is losing it.
Example: “I feel like I will lose this chance to be head of department, there are so many others who are way more qualified.”
*Loses opportunity because it messed with your confidence and screwed your interview*
Truth: What energy you put out, is what you usually get. Sometimes, you lose opportunities, but don’t dwell on the wrong aspects. You may not have the necessary qualifications but the way you portray yourself is what gets you opportunities.
- Sunken-Cost Fallacy: We invest more in things that have cost us something, even if we have negative outcomes. We feel that if we invest more, the difference can be recovered with just a little gain.
Example: “My portfolio is down by 25%! I will invest 50% of it so with a 25% gain, I can recover the loss”
*Proceeds to lose more because the stock market is in a bear phase*
- Self-serving Bias: Our failures are situational but our success is our hardwork’s result. We view that our failures are determined by external factors and our success is because of us. It is also difficult to ascertain what caused success or failure on the spot so we divide it based on the result.
Example: “I lost the game because the opponent was too strong. I got the best player of the match because I practiced well”
*Opponent won because of your overconfidence in your practice*
“The eyes sees only what the mind is prepared to comprehend.”
~Robertson Davies
Sometimes, we see these habits recurring but we don’t want to change because we feel it will make others dislike us. By changing, you are not making your friends feel bad but giving them a chance to understand that it’s time to improve. It’s time to make yourself the person you always wanted to be. Everyday is a learning step and only then can you improve. These habits of biasing situations have a lot of effect on where you are and where you want to be.
This post has been inspired by Ankur Warikoo. You can check his post on LinkedIn here!
This was a delight to write about. I hope you have found this article interesting and let me know about your thoughts on this. Keep on smiling!
Thor Box Office Collection: Khuda Hafiz 2 was blown away in the storm of this Hollywood movie Thor earned so many crores in 4 days
The Hollywood film Thor: Love and Thunder broke all the box office records.This Marvel Cinematic Universe movie made huge bucks over the weekend from Hollywood movies released in the country.It dropped “The Lion King” from the top five list.Before his Hindi earnings, Vidyut Jamwal’s Khuda Hafiz 2 also failed.’Thor: Love and Thunder’ Earns Hugely Released a day before the US in India, ‘Thor: Love and Thunder’ film surprised everyone by grossing a grand premiere of 18.60 crores on the first day.But only after that the business of this film fell by 36% on Friday but on Saturday already showed an increase again and earned 16.70 crores After that the film on Sunday earned around 18 crores in all languages If we consider the first 4 days Adding up this film then the film has surpassed the 60 crore mark, which is more than any Indian film to be released this week ‘Thor’ surpasses Khuda Hafiz 2, Thor has become the 5th highest grossing film among of all Hollywood films released in the country. He eliminated “Lion King” from the top 5 list, which made a deal of 54.75 crores in the first weekend of 2019.It will be interesting to see how tough Thors fight will be.” Khuda Hafiz 2” failed Bollywood films was seen filling water before this Hollywood film flop and has barely earned Rs 5 crore in three days.Looking at the earnings, it wouldn’t be wrong to say that people flatly rejected this action film.
Personal Habits: Exercising
Everyone from India has heard the phrase, “ If you get up by 6 in the morning, everything will set in order.” It is a common phrase made for Millennials and Gen-Z. We hear it so often and tried a few times but it didn’t suit your routine. Did you ever wonder why you weren’t able to adopt it? After reading this, do let me know about your thoughts on this.
Exercising in the Morning
Of course, the most common habit among people. Exercising a few hours after you get up is beneficial to your health. It increases blood flow in you as well as trains your muscles. It increases alertness and also energizes you for the day. It’s common to do cardio in the morning with lifting weights before your first breakfast. This helps in burning fat as well as developing your muscle endurance. But why can’t you do it?
The most common reasons are:
- Sleeping Late: You may have slept late. Even if you have slept around 11PM, if you need 8 hours of sleep then you will get up at 7AM. Your body needs sufficient sleep to get up or it will keep you tired the entire day. You have to plan your sleep schedule in a way you don’t compromise your sleep.
- Exhausted: If you had a backbreaking day and you are completely exhausted of your energy, then you may not get up the next day at your set time. If this is your regular routine, you may want to change the time you want to get up.
- Jam-packed daily routine: If your schedule is full on an everyday basis, you need to start prioritizing your work. It may be tough to change your routine but by doing this, you can improve the amount of time you can give to yourself and your new habits.
- Feeling awkward where you exercise: Am I doing it well? Is my form right? Is my shirt torn? Am I sweating too much? Am I disturbing someone? Are they looking at how bad I am? Are they judging me? It is okay to feel these when you workout. Everyone goes through this and it’s okay. At the beginning it does feel weird to do a workout but we all started as beginners and we also have made mistakes. The only thing that you can do is ask a friend, family or trainer to help you. They may also point out other mistakes that you may have made which you can correct.
- You don’t want to: Most of the time when you try to build a habit, there is a feeling that says, “This isn’t worth the trouble we are going through” but sometimes, you just don’t want to. You might want to do it to show others or of the stereotypical “healthy person”. If you think clearly by separating your external ideas/thoughts, you will understand why you want to do it.
How can you tackle these problems?
At first, these hurdles feel the hardest to jump over but unless you jump over them, you cannot reach your goal. There will be hurdles along the way and you are the solution to them. You will become better when you start crossing hurdles. Every hurdle you face is a step that you need to conquer and move forward.
- Set a Convenient time: 5 AM may be easy for others but it may be difficult for you. It may not agree with your sleep routine, or with your work routine so you quit. Rather, just change the time. If you get up around 7 AM and have to go to work by 10 AM. Make a slot of 1 hour for your workout and complete your morning routine! If you can’t make a slot of 1 hour, carry it to the evening when you come home. 1 hour before dinner, exercise to your heart’s content!
- Change your workout: If you are the ‘No pain, No Gain’ person, sometimes, you may get too sore from your workout which leads to quitting. Rather than quitting, change your workout a bit. You don’t need to change weight, just change what you do. It is very helpful to have a 10-minute cardio session at the end. Not high intensity but something like walking on a treadmill or yoga, will help you recover efficiently.
- Get a workout partner: “Sometimes, the fruit tastes better when it’s shared” Get a partner! A friend who wants to workout or a family member who is bored of being alone in the gym, work together at the gym! When you have someone to look out for you, you get more confident and work better. It will also help in improving your form! If you workout with a partner you are comfortable with, you will be able to focus more on your workout than others.
- Take Pictures of yourself: When you take pictures of yourself after you workout, you can see the amount of progress that you are accomplishing over time. This way you get to see how far you have come. Every day that you work is a step forward. You and your partner could record each other’s workout and see where you could improve.
- 20% of the work gets you 80% of the way: Some days, you don’t feel like working out, you don’t feel like going to the gym but by showing up and doing 10% of your workout makes you feel happy that you came. Just by showing up and starting your workout sets the wheels in motion. By the time you take off your headset, you are halfway through.
- Take cheat days/rest days: When you exercise, it’s important to rest so your muscles recover and become stronger. By not taking rest, you are prone to burning out. If the gym is tiring you out way beyond it should, then you need a rest day. Hitting the gym after your rest day feels better because you will feel stronger and work more.
This article is my personal opinion that I have used when I workout and it has worked well for me. Experiment with your workout routines and I am sure you can find something that works well for you. To become better tomorrow, you have to work today. This way, you will become a better version of yourself. All the Best!

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