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Risk Profile

Risk Profiling refers to the evaluation of an individual ability to take risks. It assists in making the risk profile of the investor.
As psyche of every person differs from others. 

People can be classified as:-
Risk-Averse -Don’t want to take up the risk. 
Risk seeker- Is one who is willing to accept greater financial risk in exchange for more profits.
Risk Neutral- These people are neither risk seekers nor averse.
Due to it, new investors can plan their investments by knowing where they stand and what is right for them Mutual Funds, Shares, or Crypto.
Some other benefits –
•It helps in taking the right risk as per requirements and capacity.
•Bring the right investment opportunities to light, so a balance of risk and reward can be achieved.
•Help to identify psychological reactions to unexpected fluctuation in the market.
•Plan for the worst-case scenario.
                 Know your risk Diet

MONEY MADNESS…

In today’s world, Money has become the most important thing in the life’s of people, but a sad thing is it’s going beyond and people were becoming money minded and it’s becoming a madness. Money may be an important thing but you can’t buy everything with money. Yes, it’s true. Money can buy the your physical needs but you can’t buy the internal things like happiness, peace, etc..

GREAT LOSS THAT MONEY IS CAUSING TO HUMAN LIFE:

1.It is making people mad and it’s becoming like an edit to money, always the thoughts of making money rules in the minds of people.

2.It’s spoiling relations between humans, instead it’s tying the people in the bonds of madness.It is live an evil that’s killing the relations of people.

3.Everything is going on money, if you have money people will surround you like flies gather around sweetness and once your money is gone, then see no one will at least look upon you.

4.Some people always run and run to earn more and more money, they are not satisfied and may be their thirst of money has gone so far.

5.Trying to acquire money at all costs, or constantly trying to acquire as much money as you can, could lead you to unethical or even criminal behavior, such as theft or scamming others.

6.Money can create disagreements, between your family, friends, relatives and everyone around you.

7. Money may lead to really dangerous situations or decisions like Divorce between the couples, separation between dear ones etc..

8.Money is indirectly spoiling the relations in human beings, people are loving money and using people, instead of using money and loving people.

9.People are treating people as things and no strong relations are existing in today’s society, if you have money then people will raise you up to the sky ,but once you are left with no money, no one will come to you.

10.Money should be disconnected from you and you should connect with people, because money can’t give you happiness and satisfaction in your life.


A WRITER SAYS:

What Money Can Buy:

A bed but not sleep

A clock but not time

A book but not knowledge

A position but not respect

Medicine but not health

Amusement but not Bliss

Obedience but not faithfulness

A companion but not a friend

A house but not a home.


SO NEVER RUN AFTER MONEY AND SPOIL YOUR RELATIONSHIPS, START CONNECTING WITH YOUR BELOVED ONES AND PEOPLE AROUND…

 

Social Media and Reality

 Uh oh, check this out before that new notification distracts you and makes you waste another 2 hours stalking someone you think is superior to you and make yourself sulk for nothing.

Social Media VS Reality

If we start comparing the pre-social media phase and post-social media phase, many of us will have different views on the same. Let’s say that it was so much better when we didn’t have to spend hours before the screen and actually had some goals specifically for the day.

The physical meet-up with friends and families had its own advantages and better exposure for anyone who liked interacting with people. The white light of phone screens has literally snatched it away from all of us.

We all will accept the fact that technology has brought so many facets that are helpful for us all and provides us a such a level of education and productivity that we wouldn’t have been able to realize without it. If we talk about social media it has allowed for larger and quicker access to information. The information coming to us may be about some celebrity activity, fashion, or recent natural disaster but we cannot claim that we are not informed. 

                     
                   

Like every other thing, social media has its own downsides. There are a lot of questions that arise that if the information we receive is correct? Do we trust the sources giving us the information? Would the addiction of it affect our normal life? Does social media alter one’s understanding of reality? 

The chaos of looking better than the rest in your Instagram posts, sharing your travel location on Facebook, and tweeting on Twitter over the topics that you aren’t even aware of, is just another reason to feel accomplished at that time and then feel anxious upon it. 

THE FAKE BUBBLE OF SOCIAL MEDIA

Don’t get me wrong- social media is amazing. From information, comedies to one’s personal stories, ideas to marketing and targeting people for little to no cost. But as great as all of it is, social media is the most damaging aspect of our generation.

From the new teens to the ones in their 40s, almost everyone participates in the marathon of looking presentable over social media, the cold war between Instagram influencers and digital creators within this marathon is something that can’t be ignored or go unnoticed. It is very common these days where one might create all the scenarios over their online love interest and later realize that it was nothing but treachery with a whole fake identity and several trap accounts, playing with people’s emotions and this act that may sound fun to one, might lead someone with serious trust issues and on the edge of loneliness.

It is high time for every one of us to understand that being on social media platforms can be great and help us deal with almost any kind of boredom, be it by being a part of random group chat, recreating pictures like some “victoria secret” model, and being the queen bee amongst your friend circle, but as far as it looks so fascinating and attractive, one must know that it is nothing but a well-composed online game which was visually created with the actually existing people and none that happens on it, is real and holds any existence. 

WHAT THE WORLD'S LONGEST LIVING PEOPLE EAT AND DRINK?

 

THE IKIGAI DIET – A REVIEW

According to the World Health organization’s report, Japan is the country which has the highest life expectancy of the people.  Okinawa, an area in Japan has the highest life expectancy of overall an average. Okinawa is said to be the most affected area in the World War II.  People were affected by hunger due to lack of resources during 1940s. They recovered themselves from the huge destruction and now they have the longest living citizens.

What they actually do? What makes them special in terms of their life expectancy?

Okinawa is a place in Japan where there is no train and people living there either use cycle or prefer to walk while travelling. This is followed by the Japanese people as it is the province, which is managed by the government.

MIRACLE DIET


People in Japan eat a wide variety of vegetables. They consume at least 5 servings of fruits and vegetables. Minimum 7 types of fruits and vegetables on their daily basis. 30% of their calories comes from the vegetables. Their tables consist of colorful varieties of vegetables.
However, their primary food is White rice, which they consume on their daily basis. They also add noodles sometimes to their diet. 
Their foundation for a diet is grains. They rarely eat sugar if they consume sugar it is only cane sugar. Sugarcane has the several benefits on dietary effects as they have antioxidant property. Eating a bit of sugar after meal avoids tooth decay.

STUDIES OF MAKATOO SUZUKI

  • Sugars are less on their diet. i.e. One third of their diet.
  • Salt 7grsms per day.
  • Few calories food intake.
  • Fish 3 times per week.
  • Lot of legumes and beans.


SANPIN-CHA

Sanpin cha  – a mix of green tea and jasmine flowers. In addition to the antioxidant property of green tea, Jasmine has varied benefits such as they strength immune system and relieve stress. Studies says that Jasmine tea reduces blood cholesterol levels. They drink on an average of three cups of jasmine tea.

GREEN TEA & WHITE TEA 

Green tea plays an important role in longevity. It protects from UV damage, promotes good bone health and prevents against bacterial infection.

White tea has a high concentration of polyphenols which prevents aging. It has the greatest antioxidant power with is equal to dozen of fruit juices. 

Drinking either green tea or white tea everyday reduces free radicals in the body which keep the body young.

SHIKUWASA

Shikuwasa, a citrus fruit which is widely found in Ogimi, a village in Okinawa. Shikuwasa juice is taken after diluting it with water. Their taste lies between lime and orange. As all citrus fruits have high levels of nobility which is a flavnoid, consuming nobiletin protects cancer, type 2 diabetes and obesity.

They also contain Beta carotene, vitamin C & B1 and minerals. They are used in many dishes and widely used in parties as they also serve as a cake.

SO EAT LESS, LIVE LONGER!

Calorie restriction is a very effective way to keep your body younger. Eating more calorie rich food makes one to be lethargic and body is unable to digest the food frequently. Though we don’t have any accurate study on calorie restriction based on longevity, but the data increasingly give information on adequate calorie restrictions will be a protective effect against obesity, type 2 diabetes and heart diseases. Mountain 5:2 is his best way, i.e., fasting one or two days every week and eating normally for the remaining five days.

Another Key to Success: Consistency

 

We all know, what maintaining consistency can do when it comes to bringing change or achieving something. Maintaining consistency for some time in any work or process can do wonders for you. 

But, What does it mean to be consistent? 

When we say an individual is consistent, it means, that individual is clear on what he/she wants to achieve and is taking crucial steps to achieve his/her goals. The level of consistency we maintain reflects our values and standards. Being consistent means doing things that are required today to achieve a better tomorrow. Consistency is simply about doing things on repetition over a while to achieve desired results. 

Then, Why many of us fail to maintain consistency? 

Well, there are numerous reasons why many of us fail to maintain consistency. Mentioned below are some of them:-

★ Lack of patience.

★ The desire for instant gratification.

★ Lack of clarity and focus.

★ Not having supporting habits or triggers.

★ Having a “all or nothing” mindset.

Anthony Jay Robbins (an American author, coach, speaker, and philanthropist) said, “It’s not what we do once in a while that shapes our lives. It’s what we do consistently.”


Why consistency is important? 

Knowing a few reasons will help you to give more attention to it. Mentioned below are five reasons why consistency is important:-

I) It will create accountability.

II) It will help you to stand out or be noticed. 

III) It develops discipline and self-control.

IV) It builds a higher level of trust.

V) It can help you fast-track your improvement or development in any area.

Ways to Develop Consistency

Although every individual has their their way of developing consistency. Mentioned below are some general ways to develop consistency:

I) Create a schedule or plan to stay on track.

II) Start with small steps.

III) Give yourself a break when you get off track.

IV) Start with small steps.

There are very low chances of achieving what we want without a proper strategy and consistency. In short, hard work and smart work together with consistency and the right attitude are the keys to success. 

                     

Air pollution management

 In the wake of rapid urbanization, alarmingly high levels of air pollution can be seen in the metropolitan cities like Delhi. Air pollution management is the need of the hour in order to protect our environment and restore the natural purity of air. 


Air pollution : A rising concern 

Air pollution is caused due to the presence of undesirable solid or gaseous particles in the air. It is considered to be one of the major threats to environmental health. The origin of air pollution can be traced back to the time when humans had discovered the usage of firewood. But it started increasing drastically in the beginning of the 20th century due to high scale usage of petrol and diesel. 

Concentration of industries and rapid growth in usage of motor vehicles in the densely populated cities led to high density of pollution. This can not only impact the polluted city or nearby regions, but can also affect the global environment. Ozone layer present in the Stratosphere plays a significant role as a shield against the harmful ultraviolet rays. Depletion of ozone layer and acidification of rain are the consequences of rising pollution levels in the air. 

High levels of harmful gases like Carbon Monoxide are released by poorly maintained vehicles, burning of wood, coal,  or other natural gases. Nitrogen Oxide, Sulphur Oxides, and Lead are some other dangerous chemicals causing air pollution. Prolonged exposure to such pollutants can cause lung diseases, asthma, and chronic bronchitis. These pollutants can also affect the plants as pollutants break down the waxy coating on the leaves which disturbs the process of photosynthesis. 

Management of air pollution

Some stringent laws have been imposed to curb the pollution and control emission of toxic gases.  

  • Motor Vehicle Act was introduced in 1988 by the Ministry of Road Transport and Highways. It includes punishment for offences related to air pollution by vehicles. According to the act vehicles emitting gases more than the prescribed limit are punishable. Requirement of a pollution certificate for the vehicle is also mandatory under the act.  
  • Air Pollution Control Act introduced in 1981 aims to limit the emission of particulate matter, Lead, Carbon Monoxide, Sulphur and other such gases. Industries, vehicles, and power plants are punishable if they release more than the prescribed limits of these harmful pollutants. A penalty fine or imprisonment can be given for violation of the rules. The act is implemented and ensured by the Pollution Control Board to improve the air quality.

Role of individuals to curb air pollution

  • First and foremost duty of an individual is to minimise the usage of vehicles emitting pollution as far as possible. This can be achieved by using public transport, cycling or walking for short distances, and car-pooling. 
  • Avoid smoking, especially in public places as it harms the health of the individual and pollutes the air inhaled by people in the vicinity
  • Inform the Pollution Control Board in writing about any industry exceeding the pollution limit and report to the local authorities about cutting down of trees without permission in the locality. 

Air pollution can be managed with the help of collective efforts by the people. It is our duty to act responsibly and incorporate eco-friendly methods in our daily lifestyle as much as possible. 

Print Media during Pandemic

THE INTERVENTION OF DOWNFALL

On January 27, 2020, with the first Covid-19 case an alarming situation was alerted by the Government of  India, where it was strictly advised to keep distance in crowded places and wear masks when outside, with the growing cases Prime Minister Narendra Modi eventually announced the first complete lockdown on 25 March 2020 – 31 May 2020, limiting the public movement, which was later increased. 

This affected the work of billions of people living in India the ones who had their livelihood depending on daily wages were on the edge of depression and existential crisis. One of the aspects which were deeply affected by the lockdown was production in media, specifically Print Media. 


SURVIVAL OF PRINT MEDIA

“Everything that rises has to set off someday.” 

The print media has enjoyed its glory days for more than 120 years and it is one of the most reliable and old fields of Media and sources of news. Covid-19 has severely impacted print media and has resulted in a sharp drop in the number of readerships due to disruption in circulation. The print media was trying to keep afloat financially and at the same time to keep the readers informed. 

Though we all know, that the new technologies and introduction of online media have already affected print media, the time of pandemic and the inevitable challenges have worsened the situation even more.

Along with that, some of the cascading effects of the pandemic on print media include:

  • journalists being laid-off.
  • cut down on the number of pages in the newspaper.
  • major newspapers were drastically reduced at a national level.
  • national newspapers decided to restrict the physical copies.
  • all the media houses and publications faced a financial crash.

The question arises that would there be a post-pandemic “old print media” recovery? It is very doubtful and threatening to think upon the fact that the old print media houses might convert themselves to digital media which is so much more easy, convenient, and perhaps less expensive and may create more profitable situations as compared to print media. As they have gone under heavy financial loss during the period of the pandemic which has been going on for over 19 months now. 

Small states newspapers did face a horrible pandemic onslaught because of the cut on advertisements because of the lockdown, despite all of it newspapers have remained peculiar in providing a wide range of coverage of the pandemic, combating misinformation and providing public health updates, and entertainment to help the normal public cope with pandemic boredom, being locked in their houses on their own.

PRINT MEDIA AND EDUCATION

It is said that print media had played a crucial role in educating people on the precautionary measures during the time of the pandemic. It educated people all over the country through the leading newspapers, in all the languages, besides mass circulated social media as well. 

The people who are still unaware of the advancement in technology and are far from affording digital techniques of staying updated, print media for them has been and will always be reliable at any time. 

The new methods of media and coverage might be easier to manage and less expensive but print media cannot be outdone with the new evading advancements, for it holds the 120-year-old of trust which is quite resilient to shatter. 

“The quality of news coverage has diminished because the giants of the print media are no longer being nurtured properly.”

 -F. Lee Bailey (an American criminal defense attorney) 

HOW DO YOU PRESENT YOURSELF…

Presentation is very important and crucial part in everyone’s life, because at some point everyone should go through this presentation. Basically, we do think that presenting ourselves is an easy thing, Yes indeed it is , but if you follow some tips then you can present yourself in an extraordinary way and style. Here in this article we’ll be sharing some important tips to be noted and remembered for a wonderful presentation. Let’s look at them one by one.

5P’s of Presentation: The five p’s of presentation are planning, preparation, consistency, practice and performance.

TIPS FOR A GOOD AND HEALTHY PRESENTATION:

1.The first thing to be kept in your mind is you should prepare for the presentation, if it is informed to you beforehand.

2.It’s better to practice or make a trail performance before you give your original presentation.

3.Do not byheart everything that you wanted to convey in your presentation, but just remember the main points that you want to highlight or speak about, and so you can proceed your talk based on the main points.

4.Try to learn the correct pronunciation of the words that you find hard , vocabulary is important for an effective talk.

5.If you are presenting through some PPT presentation or something like that, you need to speak out the points relating to the slides.

6.Be confident in talking, if you get nervous before the gathering, it won’t look good, so try to practice before a mirror or before your close friends if you have the stage fear.

DO’S DURING PRESENTATION:

1.Firstly introduce yourself .You should talk confidently whatever you feel like talking, instead of uttering the words in a confused way.

2.You need to maintain proper pitch in your speech,  it leads to effective presentation.

3.Next, your body language. It includes, your hand gestures, facial expressions, body posture, eye contact, touch and use of space. If all the above were maintained in an orderly manner it gives the interest to the audience.

4.Your flow should be balanced, because you should neither speak like an express train nor be like a tortoise, so balance should be maintained.

5.Connect with the audience, keep your eye contact and keep a smile on your face, use your voice effectively.

6.Keep your speech simple, and tell some stories in between to create interest among the audience.

7.Keep yourself relaxed, breathe and convey with full confidence.

DO NOT’S DURING PRESENTATION:

1.You should never doubt in your talk, feel free and speak what’s in your mind.

2.Do not cover yourself like folding your hands or keeping hands tight etc., it delivers that you’re not confident enough and it shows your nervous feel.

3.Do not look at the script and keep on reading if you have a script with you, because you should keep eye contact with the gathering.

4.If you are showing some slides, do not reading the whole sentences from the slides as it is.

5. Do not try to make it fast and cut short your works, like if it’s and hour presentation do not end it within 30 minutes.

6.Don’t end your talk by simply summarizing what you have talked about.

7. If place is given, try to move and talk, instead of standing at the same place like an idol.

8.While using your gestures, do not move them very frequently but move accordingly.


*ALWAYS TRY TO GIVE YOUR BEST IN YOUR PRESENTATION AND SO NO NEED TO CONSIDER THE REST OF THE THINGS…

*KEEP A SMILE ON YOUR FACE,BREATHE AND CONVEY HEARTHFULLY…

EPI INDEX

 

The Environment Performance Index (EPI) is a summary of the sustainable development status of 180 countries around the world. The index uses 32 performance measures for the following 11 issue categories:





  1. Air quality
  2. Sanitation and drinking water
  3. Heavy metals
  4. Waste management
  5. Biodiversity and habitat
  6. Ecosystem services 
  7. Fisheries
  8. Climate change
  9. Pollution emissions
  10. Agriculture 
  11. Water resources



These categories track the performance and progress towards the two main policies, environmental health and ecosystem vitality. EPI provides a scorecard after analyzing the environmental performance of the country. The EPI highlights toppers and laggards in the environmental performance, and provides viable guidance for the countries seeking a sustainable future.


EVALUATION


As a composite index, the Environmental Performance Index aggregates the data of many sustainability indicators into one particular number. The data for EPI comes from trusted third-party sources, such as international government agencies, NGOs, and academic research centers. From the data provided EPI draws an indicator scale of 0-100 (from worst to best performance). At the end, the scores of each country are weighed and aggregated into issue categories and then into EPI score. The EPI index shows which countries can best solve the environmental challenges. For the first time, the 2020 EPI rankings included waste management metric and an indicator on CO2 emissions. 





























DREAMS


 YOUR DREAMS ARE POSSIBLE

                                                    

                                                    



We may be rich or poor, kind or cruel, beautiful or ugly, smart or weak but still we can accommodate a dream. Most importantly don’t ever have a small dream:)Some people may not agree with this rather they would like to criticize on this.

 

IT IS POSSIBLE EVEN IN THE HARDSHIPS:

The biggest fear is how to face the dream because of the present situations we might have right now or the threat of the future, but not let the tomorrow’s dream destroyed by today’s situation because of the fear. The biggest fear is how to face the fear. At once, if we face it with full potential, we will able to shape our future. It is all about the small things which creates a great impact on the future.

 

PAINT YOUR DREAMS:

Painting our dreams is the best way we can do! At once when we come to know what we want at the right time we will be knowing how to get it also. Dreams should be balanced with the holistic vision. With the millions of the resources in the world, plenty of opportunities which we have in the world behind us and it really becomes silly when we start making small or selfish dreams. No one would like to carry waste things in the Audi right! Even though it has the capacity to withstand it, we won’t do it as it does not perfectly. If some things are accepted by many it is not that we are also supposed to do that. Check out your time, area of interest and do great things because we are having power to do that.

 

DISCOVER YOUR DREAM:

When we come to know about what dream is actually, we can start realizing the true power of it. We start living in it to the maximum. Sometimes, we never realize the amazing talent inside us, we are all only learnt to see others talents and admire them which makes us to behave small and worthless before others. This kind of attitude is to be removed once when you realize at once.

Passion is what your dream is! We are able to distinguish between the real and the fake dream. If so, then we are also able to find the way for our dream. Successful persons are those who have a burning passion with dream inside them and that’s why they are successful today and that success should not be a narcissistic one. 

Make a little star in you to shine bright in the darkest times. You are still unique even though we live in the mid of varied of varied people. It is good to dream, but better to dream and work. Faith is might but action is mightier. This is because action speaks louder than words.

 

NOTHING IS OVER UNTIL YOU RACE!

 

     

 

If you have decided to grow and not ready to face challenges and hard times, there is no liveliness in that. No bird goes to a dry land, no cattle go to the empty field, no human can face a dream without the challenge and this is the bitter truth.

Make your environment suitable for your dream. Have likeminded people around you. No matter how hard the life goes or how people comment on your attitude, it is still good to achieve your powerful dream with broad vision.

Don’t work your boss or leader, work for your dream because that can only give you satisfaction.

Don’t wait for your winter, work to change your summer a super cooled one.

“A gem cannot be polished without fiction, nor man without trials”, start facing your challenges and achieve your dreams.