Category: Skill Development

Skill development is a process of identifying your skill gap and ensuring you develop these skills.

Hobbies

Hobbies are very common. Everyone have their own priorities and likes regarding the hobbies. My hobby is listening to the music.

Listening to songs is such a nice thing. Every individual starts listening to the songs when he or she is addicted to them and really cannot come out of it. The music the songs will change the mood of the person. The songs in the musical interrelated with the human beings.

It is so important to prioritize the positive things in and around us in the life. One of the positive things is the music. Music makes Man convertible. Whatever the situation may be, it it helps the individual to come out of the situation and also to move one and into a new situation. The music you listen motivates life. The lyrics in this song will motivate the individual and help the individual at anytime.

It is very important for an individual to prioritize the music and the songs in the life. Because the songs or the music helps the individual to feel stress-free. It also helps the individual to relieve the tension and all the depression he or she had.

Music is described for every emotion. Every emotion is described in its own way in mmusic. Every emotion is clearly explained by the respected song.

Hobbies can often also be very expensive. Luckily, there are still lots of cheap and even free hobbies that are fun, educational and rewarding.


Here some of fun and low-cost hobbies


DIY :
Buy a book on DIY and start on anything that needs fixing around your house, make your own clothes or give your friends self-made presents.


WRITE A THEMED LIST, AND WORK THROUGH IT :
Make a list of things you want to do or see. It could be anything from films you want to watch to local places you want to visit. Try to work through your list in a month.

WATCH ONLINE DOCUMENTARIES :


You can find lots of free documentaries on the websites of Tv channels, or even on youtube covering hundreds of subjects, such a history or the ocean. You could also finally watch your favourite actor’s ,author’s or musician’s biography.

LEARN NEW THINGS :
Educating yourself doesn’t have to be boring. What are you passionate about? It could be science , the oceams or even horror films. Google your interests and become a knowledgeable as you can about your passions.

GO CAMPING :


Try going caming with your friends during the weekend. All you need is a tent, some snacks, and drinks. If you dont live near woods or a forest, you can even try camping in your back garden.

DISCOVER NEW MUSIC :


Look for new music on music websites or youtube or spotify by searching for your favouirte genre. You could find a band you love.

LEARN HOW TO COOK :


cooking is a useful life skill as well as a fun way to spebd your time. Invest in cheap ingredients and learn how to cook all of your favourite meals.

TRY DRAWING :


Drwaing is a really enjoyable way of expressing yourself. There are lots of different ways to draw, from painting to sketchibg to doodling, so choose one you are comfortable with and give it a go!


START INVESTING :


Investing is a great way to earn some extra money, just make sure you do your research properly when you first start.you don’t have to invest large sums, but small ones will be just as rewaeding if you have a plan.

WRITING :

Writing is one of the chepest ways to have fun. From blogging to trying your hand on a book, there are lots of different ways to enjoy writing. All you need is a pencil and paper to get started.PLAYING CARDS :
Invite some friends over , and get a pack of cards. There are hundreds of different games. You can play with cards and a pack is fairly cheap.

LEARN TO DANCE :


This hobby is great for your body and enjoyable pastime. Use youtube vidros and tutorials to teach yourself new dance moves.


READING :


Reading is a great way to exercise your mind.you can choose to lose yourself in a fictional world, learn more about your own world, or read the autobiography of someone you adimre. If you decide to pick reading up as a hobby, consider getting a library card for your local library.


Remember , the secret of life, happiness and fulfillment is simple: ” Find three hobbies you love: one to make you money, one to keep you in shape, abd one to be creative” .

Discipline

Discipline is very important in everyone’s life. It is so important to be disciplined in the life. Discipline is not acquired from a single day. It is a achieved by a continued process.parents are the important in every individual’s life. The are the main reason for the discipline of their children.

After the parents, teacher is the most important person in an individual’s life. Teacher is the one who moulds the individual from the initial stage of the life and makes the individual into and perfect one. Even though the teacher schools or beats sometimes it is all for the well-being of the student and for the bright future of the student.

The first teacher in everyone’s life is their mother. Beginning with the correct thing the first mistake of the child, mother plays a very important role in correcting many of the mistakes in an individual’s life. Also the father who corrects the mistakes and puts the children in a correct way. And the teacher, who is very important in our students life to achieve their desired goals.

Teachers play a very important role in making the student perfect and make them to understand the need of the situation. Teachers help the students to reach their desired goals and in any situation teacher motivates a student to get up and stand in all the ups and downs. Like that of the mother and the father, the teacher also feels equally happy when their student acheives high in their life and when they reach their desired goals.

IMPORTANCE OF DISCIPLINE IN LIFE :


TIME MANAGEMENT :


A disciplined person always has the time to complete all the tasks within given deadlines. This is because they are focused and they know how to schedule the time properly. They dont’t believe in wasting time on unnecessary things. They understand the value of time and they know that time once has gone never comes back.


LEADERSHIP :


All great leaders are not born. Most of them follow a very tight schedule and maintain discipline in their life to become good leaders. Good discipline generates a positive attitude towards society. It creates confidence and eagerness to do something great. It helps people to build an attitude that becomes the key to becoming successful. They are able to set a great examples for others in society.

DECISION MAKING :


It is because everything gets finished within the given deadlines, disciplined people always have time to revise their work and improve their decisions.
People who are disciplined are more focused both mentally and physically. They are better able to gain their body and mind with their ideas and goals. Finally, everything is regulated in order and increases their productivity in all the activites they undergo.


ACHIEVEMENTS :


Disciplined people are more motivated and concentrated. Therefore, they achieve more when compared to a person who is not disciplinef with the activites he/she undertakes. As per study, 92% of people are able to achieve their goals in life because of the reason of being disciplined.

STABILITY AND STRUCTURE :


With discipline, comes stability in all the tasks. It helps to schedule and organize the activites and tasks in a proper structure. If a person is focused and regularly follows this particular structure, he/she is sure to succeed in their life.

RESPONSIBILITY AND CONTROL :


With great discipline comes great responsibility. Only by making schedules and timetables a person cannot become successful. It is very important regularly follow and fulfill the responsibilites which are mentioned in the schedule. This will help them to develop self- control and also build good relations with others.

RESPECT :


A disciplined person always respected by society. He/she is lookef upon as role models and mentors. Through discipline, they worked hard and achieved their goals which made them a respectful figure in the eyes of others.

IMPROVES MENTAL HEALTH :


Modern society suffers alot from anxiety and depression. We cannot blame them for their condition. Just by maintaining a little discipline in their life, they can easily improve it. Discipline will help them to reduces stress and take control of their tasks. They would be able to overcome their fears and also control their emotions.

MAINTAIN PEACE IN SOCIETY :


Disciplined people are lie assets to society. If there is no law and order, there would bee too many activites. Discipline is required to prevent such things in society. By setting the requiref rules and regulationa, it becomes easier to live in a society that is full of peace and harmony.


STAY ACTIVE :


Disciplined people have time to do every activity in the schedule. They plan their schedule in such a way that improves both their academic/ instituational performance and also their physical health. They know what is good and bad for them and thereby have good eating habits, exercising habits, sleeping and waking up paterns, etc.


SELF DISCIPLINE self discipline means self control, the ability to avoid unhealthy excess of anything that could lead to negative consequenes.


• It is the ability to reject instant grafication and pleasure, in favor of some great grain, which requires spending effort and time to get it.
• It means perservetance and not giving up.
• It is the strength not to give in to negative feelings.
• It means overcoming one’s weakness.
• It is the ability to pursue one plan despite temptations to abandom them.
• Delayed gratification in favour of accomplishing long term goals.
Discipline is very important. It helps people to showcase their attitude and represent their character and thinking. Both the body and mind are honed by discipline. Descipline helps to address individual problems and develop a society that is both peaceful and respectful. Therefore, it would be right to say that without disciplinr there is no life at all.

Time management

Time is nothing but the count of the life. It is measured in Hours, minutes and seconds. It is very important to manage the time as it is very precious and cannot come back once it is lost. It is also very important to utilize the time properly.

Managing the time is very important. Many of the people don’t know how to manage the time. Let us now know some of the time management techniques and how to use them.

•Make schedules:-

Making schedules is one of the best methods to manage the time. All you have to do is, think of the things what you have to do on a particular day and allot some particular time for each activity. Complete particular activity in the allotted time. When the work takes too much time, then leave it aside and go for another work. Whenever all the work is finished, go for the work which is unanswered in the beginning and complete it. This is how schedules helps for time management and makes the proper use of the time.

•Don’t spend much time on one thing:-

Spending much time on a particular thing disturbe the individual and disturbs the concentration. So, to focus on the work, an individual must go for some another work whenever they get bored on a particular work. So, it helps to focus on the work and for not wasting the time.

Time management is the process of planning and controlling how much time to spend on specific activities.
BENEFITS OF TIME MANAGEMENT :


The ability to manage your time effectively is important. Good time management leads to improved EFFICIENCY and productivity, less stress, and more success in life. Here are some benefits of managing time effectively:

  1. STRESS RELIEF :
    Making and following a task schedule reduces anxiety. As you check off items on your ” to- do” list, you can see that you are avoid feeling stressed out with worry about whether you’re getting things done.

  2. 2.MORE TIME :
    Good time management gives you extra time to spend in your daily life. People who can time- manage effectively enjoy having more time to spend on hobbies or other personal pursuits.
  4. MORE OPPORTUNITIES:
    Managing time well leads to more opportunities and less time wasted on trivial activities. Good time management skills are key qualities that employes look for. The ability to prioritize and schedule work is extremely desirable for any organisation.

  5. 4.ABILITY TO REALIZE GOALS :
    Individuals who practice good time management are able to better achieve goals and objectives, and do so in a shorter length of time.

  6. LIST OF TIPS FOR EFFECTIVE TIME MANAGEMENT:


  1. 1.SET GOALS CORRECTLY:
    Set goals that are achievable and measurable. Use the SMART method when setting goals. In essence, make sure the goals you set are specific, Measurable, Attainable, Relevant, and Timely.

  2. 2.PRIORITIZE WISELY :
    Prioritize tasks based on importance and urgency. For example, look at your daily tasks and determine which are :
  • Important and urgent : Do these tasks right away.
  • Important but not urgent : Decide when to do these tasks.
  • Urgent but not important: Delegate these tasks if possible.
  • Not urgent and not important : set these aside to do later.

  • 3.SET A TIME LIMIT TO COMPLETE A TASK :
    Setting time constraints for completing tasks helps you be more focused and efficient. Making the small extra effort to decide on how much time you need to allot for each task can also help you recognise potential problems before theyv arise. That way you can make plans for dealing with them.

  • 4.TAKE A BREAK BETWEEN TASKS:
    When doing alot of tasks without a break, it is harder to stay focused and motivated. Allow some downtime between tasks to clear your head and refresh yourself. Consider grabbing a brief nap, going for a short walk, or meditating.

  • 5.ORGANISE YOURSELF :
    Utilise your calendar for more long term time management. Write down the deadlines for projects, or for tasks that are part of completing the overall project. Think about which days might be best to dedicate to specific tasks. For example, you might need to plan a meeting to discuss cash flow on a day when you know the company CFO is available.

  • 6.REMOVE NON- ESSENTIAL TASKS :
    It is important to remove excess activities or tasks. Determine what is significant and what deserves your time. Removing non- essential tasks frees up more of your time to be spent on genuinely important things
  • IMPLICATIONS OF POOR TIME MANAGEMENT :
  • Let us consider the consequences of poor time management ;
  1. PLAN AHEAD :
    Make sure you start everyday with a clear idea of what you need to do- what needs to get done THAT DAY. consider making it a habit to, at the end of each workday, go ahead and write out your ” to- do” list for the next workday. That way you can hit the ground running the next morning.
  2. POOR WORKFLOW :
    The inability to plan ahead and stick to goals means poor efficiency. For example, if there are several important tasks to complete, an effective plan would be to complete related tasks together or sequentially. That translates to reduced efficiency and lower productivity.
  4. WASTED TIME :
    Poor time management results in wasted time. For example, by talking to friends on social media while doing an assignment, you are distracting yourself and wasting time.

  5. 3.LOSS OF CONTROL :
    By not knowing what the next task is, you suffer from loss of control of your life. That can contribute to higher stress levels and anxiety.

  6. 4.POOR QUALITY OF WORK :
    Poor time management typically makes the quality of your work suffer. For example, having to rush to complete tasks at the last minute usually compromises quality

  7. 5.POOT REPUTATION :
    If clients or your employer cannot rely on you to complete tasks in a timely manner, their expectations and perceptions of you rely adversely affected. If a client cannot rely on you to get something done on time, they will likely take their business elsewhere.

Ways to Manage Stress

Stress is part of being human, and it can help motivate you to get things done. Even high stress from serious illness, job loss, a death in the family, or a painful life event can be a natural part of life. You may feel down or anxious, and that’s normal too for a while. Talk to your doctor if you feel down or anxious for more than several weeks or if it starts to interfere with your home or work life. Therapy, medication, and other stategies help. In the meantime, there are things you can learn to manage stress before it gets to be too much. Consider these suggestions:

Exercise

To start with, physical activity can help improve your sleep. And better sleep means better stress management. Doctors don’t yet know exactly why, but people who exercise more tend to get better deep “slow wave” sleep that helps renew the brain and body. Just take care not to exercise too close to bedtime, which disrupts sleep for some people. Exercise also seems to help mood. Part of the reason may be that it stimulates your body to release a number of hormones like endorphins and endocannabinoids that help block pain, improve sleep, and sedate you. Some of them (endocannabinoids) may be responsible for the euphoric feeling, or “runner’s high,” that some people report after long runs.

People who exercise also tend to feel less anxious and more positive about themselves. When your body feels good, your mind often follows. Get a dose of stress relief with these exercises:

Applications

Animals

Since the time Earth developed the quality of sustaining life, life has always gone under the process of evolution. Life started from single celled organisms and developed stage by stage. One organism extinct to develop into its better developed species or even at times it happens that some animals get erased from the surface of the earth due to extreme environmental condition.

EXTINCT ANIMALS: Species of animals which existed in the surface of the earth once upon a time but has no current existence, this may have been a result of extreme environmental condition or some other condition for existence. For example, we have dinosaurs, Dodo.

ENDANGERED ANIMALS: The species of animals which have only a few animals left on the surface of the earth and are in the mouth of being extinct are known as endangered, currently this is a result of poaching i.e., unethical killing of wild animals with purpose or change in the climate due to pollution and other factors. For example, we have the Royal Bengal Tiger.

We cannot do anything for the species which are extinct but we can definitely take steps and save our endangered species. Poaching laws should be made stricter and it should be taken care that people follow them.

Different types of animals :

Scientists sort the different types of animals in the world into categories based on certain characteristics. Animals are generally grouped into six types of aninals. The system for animal classifications is called taxonomy.

The Animal Kingdom :

All animals belong to a biological kingdom called kingdom Animalia. This kingdom is then broken down into over 30 groups. About 75% of all species on earth are aninals. Animals are then broken down into two types : vertebrates and invertebrates.

* Animals with a backbone are vertebrates.

* vertebrates belong to the phylum called phylum chordata.

* vertebrates are classified into five classes. They are amphibians, birds, fish,mammals, and reptiles.

* Animals without a backbone are invertebrates.

* Most invertebrates are in the phylum Arthropoda.

1. Amphibians :

All amphibians are vertebrates, and they need moist environment or water to survive.

* They are cold- blooded.

* They absorb water and breathe through their thin skin

* They have at least one special king gland used for defense.

* Most follow the life cycle of egg-larva- adult.

* examples : frog , newts, salamanders, toads.

2. Birds

Birds are a type of warm- blooded vertebrate that are adapted to fly.

* Not all birds can fly, but they do all have wings.

* Birds have beaks that help them catch and swallow food.

* The digestive system of a bird allows it to eat whenever it can and digest that food later.

* Birds lay egg to reproduce.

* They are endothermic, mening they maintain their own constant body temperature.

* They are bipedal, which means they have two legs.

* They have hollow bones and their bodies are covered in feathers.

* Birds belong to the class called Aves.

* Examples : albatrosses, chickens, hummin birds, falcons, falmingoes, ostriches, owls, parrot, penguins, pigeons.

3. Fish :

Fish are also vertebrates, and they are considered the oldest-known vertebrates.

* They are ectothermic, or cold- blooded, which means they rely on their surroundings to regulate their body temperature.

* Fish have funs.

* Most, but not all, fish have bodies covered in scales and breathe through gills.

* Fish live under water.

* Examples : eels, hangfish, lampreys, minnows, rays, salmon, seahorses, sharks.

4. Mammals :

Mammals are another type of vertebrate that belongs to the class Mammalia.

* young mammals get nourishment from milk produced by their mothers.

* Most mammals have hair.

* Their jaw is hinged directly to their skull unlike all other vertebrates.

* Almost aĺl mammals give birth to live bsbies.

* They are endothermic, or warm- blooded.

* Examples : there are over 5500 living species of mammals all over the world. Aardvarks, bats, elephants, hamsters, human, rabbits, rhinoceroses, whales.

5. Reptiles :

Reptiles are thought to be the first vertebrates to live completely on land. But, not all reptiles live only on land today.

* They are cold- blodded, or ectothermic

* They lay eggs to reproduce.

* They have four legs or descended from animals with four legs.

* They breathe through lungs

* Their bodies are covered in scales or scutes.

* Examples : crocodiles, geckos, lizards, sea turtles, snakes, tortoises.

Invertebrates :

Approximately 95% of all animals are invertebrates. Invertebrates do not have a backbone. There are different types of invertebrates, but they all share a few characteristics.

• They are made up of many cells that work together, or multicellular.

• Most, but not all have tissues, cells that work together in a more complex way.

• Most, but not all, can move.

• There are over 35 phyla of invertebrates.

• They generally have soft babies.

● Types of Invertebrates :

There are eight phyla of invertebrayes that are alive today.

* Annelida – have a segmented body and primitive brain

* Arthropoda – have jointed appendages and an exoskeleton.

* Cnidaria – have tissues and an incomplete digestive system

* echinodermata – have some type of spiny structure on their bodies

* Mollusca – generally have sofy bodies and a hard exoskeleton.

* Nematoda – unsegmented with worm- shaped bodies

* platyhelminthes – have soft, ribbon- like worms with no respiratory system.

* porifera – multicellular organisms living in water with no organs or tissues.

Examples : anemone( cnidaria) , clams ( mollusca), coral,

Property Rights

What Are Property Rights?

Property rights define the theoretical and legal ownership of resources and how they can be used. These resources can be both tangible or intangible and can be owned by individuals, businesses, and governments. In many countries, including the United States, individuals generally exercise private property rights or the rights of private persons to accumulate, hold, delegate, rent, or sell their property. In economics property rights form the basis for all market exchange, and the allocation of property rights in a society affects the efficiency of resource use.

Understanding Property Rights

Property is secured by laws that are clearly defined and enforced by the state. These laws define ownership and any associated benefits that come with holding the property. The term property is very expansive, though the legal protection for certain kinds of property varies between jurisdictions.Property is generally owned by individuals or a small group of people. The rights of property ownership can be extended by using patents and copyrights to protect:

  • Scarce physical resources such as houses, cars, books, and cellphones
  • Non-human creatures like dogs, cats, horses or birds
  • Intellectual property such as inventions, ideas, or words

Other types of property, such as communal or government property, are legally owned by well-defined groups. These are typically deemed public property. Ownership is enforced by individuals in positions of political or cultural power. Property rights give the owner or right holder the ability to do with the property what they choose. That includes holding on to it, selling or renting it out for profit, or transferring it to another party.

Acquiring Rights to a Property

Individuals in a private property rights regime acquire and transfer in mutually agreed-upon transfers, or else through homesteading. Mutual transfers include rents, sales, voluntary sharing, inheritances, gambling, and charity. Homesteading is the unique case; an individual may acquire a previously unowned resource by mixing his labor with the resource over a period of time. Examples of homesteading acts include plowing a field, carving stone, and domesticating a wild animal. In areas where property rights don’t exist, the ownership and use of resources are allocated by force, normally by the government. That means these resources are allocated by political ends rather than economic ones. Such governments determine who may interact with, can be excluded from, or may benefit from the use of the property.

Private Property Rights

Private property rights are one of the pillars of capitalist economies, as well as many legal systems, and moral philosophies. Within a private property rights regime, individuals need the ability to exclude others from the uses and benefits of their property. All privately owned resources are rivalrous, meaning only a single user may possess the title and legal claim to the property. Private property owners also have the exclusive right to use and benefit from the services or products. Private property owners may exchange the resource on a voluntary basis.

Private Property Rights and Market Prices

Every market price in a voluntary, capitalist society originates through transfers of private property. Each transaction takes place between one property owner and someone interested in acquiring the property. The value at which the property exchanges depends on how valuable it is to each party. Suppose an investor purchases $1,000 in shares of stock in Apple. In this case, Apple values owning the $1,000 more than the stock. The investor has the opposite preference, and values ownership of Apple stock more than $1,000.

Book Review: The Girl Who Saved the King of Sweden

The Girl who saved the king of Sweden is written by Jonas Jonasson. His best-selling novel is the hundred years old man who climbed out of the window and disappeared.

Book plot:

Nombeko Mayeki is born a poor black girl in Soweto. She leaves the slums and in a twist of fate. She ran over a car but survives. this puts her into the employ of the engineer who ran her over, as a cleaner in South Africa’s secret nuclear weapons facility.
Nombeko is smart, brilliant and a fast learner. Even during her childhood, she is surrounded by uneducated people, still, she managed to teach herself how to read write, and calculate arithmetics. She even tells the answers of long multiplications within seconds. She learned English and poetry from a scholar who has 32 diamonds in his teeth. He is irresponsible about his life, but he is good at poetry and reading. First, he wanted to seduce Nombeko but, she stabbed his leg with her scissors and made him use a crane for more than several months. After that incident she always had her scissors wherever she goes, one night she came to know that person is dead and went to his home and grabbed all his diamonds then in the morning she left her native place.
In the custody of the engineer, she taught herself engineering arithmetics and science as well as learned Chinese from the other servent sisters. After fate made her escape from there. She went to Sweden but… Instead of antelope meat, one of the atomic bombs ended up inside her luggage.
Nombeko’s Ultimate wish is to live a normal and happy life with her own family and children. How does she gets rid of that nuclear weapon, what happened to her diamonds? how she lives her life normally and how she saves the king of Sweden- as it is said in the title of the book is the main plot of this book.

About the book:

This is one of the books that you never feel pathetic whenever a character dies. Cause, the whole book is written in a comical manner, and the author used a lot of anectode and funny incidents to make the book more alive.

Some facts about Jonas Jonasson’s books:

  • His storylines will be simple and understanding. Whatever the plot might be, it will have the question mark of what is going to happen at every end of the chapters in our minds.
  • Jonas Jonasson’s book themes will be similar to his other works. The cover itself tells you that the appearance of the books is similar to one and another.
  • Jonas Jonasson is a comedy writer. Who writes with a lot of anectodes and comical scenes. He is one of the authors who has the ability to make the funeral into a theatre.

Book Quotes:

It sure was an unjust world when certain people received an excess of certain things, while others got nothing.

The more I see of men, the more I like my dog.

The difference between stupidity and genius is that genius has its limits.

Financial Literacy

What Is Financial Literacy?

Financial literacy is the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Financial literacy is the foundation of your relationship with money, and it is a lifelong journey of learning. The earlier you start, the better off you will be, because education is the key to success when it comes to money.

Read on to discover how you can become financially literate and able to navigate the challenging but critical waters of personal finance. And when you have educated yourself, try to pass your knowledge on to your family and friends. Many people find money matters intimidating, but they don’t have to be, so spread the news by example.

Understanding Financial Literacy

In recent decades financial products and services have become increasingly widespread throughout society. Whereas earlier generations of Americans may have purchased goods primarily in cash, today various credit products are popular, such as credit and debit cards and electronic transfers. Indeed, a 2019 survey from the Federal Reserve Bank of San Francisco showed that consumers preferred cash payments in only 22% of transactions, favoring debit cards for 42% and credit cards for 29%.

Other products, such as mortgages, student loans, health insurance, and self-directed accounts, have also grown in importance. This has made it even more imperative for individuals to understand how to use them responsibly. Although there are many skills that might fall under the umbrella of financial literacy, popular examples include household budgeting, learning how to manage and pay off debts, and evaluating the tradeoffs between different credit and investment products. These skills often require at least a working knowledge of key financial concepts, such as compound interest and the time value of money. Given the importance of finance in modern society, lacking financial literacy can be very damaging to an individual’s long-term financial success.

Being financially illiterate can lead to a number of pitfalls, such as being more likely to accumulate unsustainable debt burdens, either through poor spending decisions or a lack of long-term preparation. This in turn can lead to poor credit, bankruptcy, housing foreclosure, and other negative consequences. Thankfully, there are now more resources than ever for those wishing to educate themselves about the world of finance. One such example is the government-sponsored Financial Literacy and Education Commission, which offers a range of free learning resources.

Strategies to Improve Your Financial Literacy Skills

Developing financial literacy to improve your personal finances involves learning and practicing a variety of skills related to budgeting, managing and paying off debts, and understanding credit and investment products. Here are several practical strategies to consider.

Create a Budget—Track how much money you receive each month against how much you spend in an Excel sheet, on paper, or with a budgeting app. Your budget should include income (paychecks, investments, alimony), fixed expenses (rent/mortgage payments, utilities, loan payments), discretionary spending (nonessentials such as eating out, shopping, and travel), and savings.

Pay Yourself First—To build savings, this reverse budgeting strategy involves choosing a savings goal (say, a down payment for a home), deciding how much you want to contribute toward it each month, and setting that amount aside before you divvy up the rest of your expenses.

Pay Bills Promptly—Stay on top of monthly bills, making sure that payments consistently arrive on time. Consider taking advantage of automatic debits from a checking account or bill-pay apps and sign up for payment reminders (by email, phone, or text).

FIBONACCI SEQUENCE! THE MAGIC!!!

Though mathematics is an interesting and beautiful subject, most of us find it difficult to learn. We often learn mathematics to do calculations and learn formulas to get good grades in the exams. Mathematics is a wonderful subject which we tend to apply in our day-to-day life. If you see maths through a different dimension, it will be as interesting as social media. We learn so many formulas and theorems, but where do we apply them? Think and come to a solution to make mathematics an interesting one. To prove mathematics an interesting subject, here come the Fibonacci numbers. Most of us have heard it once or twice in our classes when our teacher says about it. If you love to play with numbers, then Fibonacci numbers are the one. Let’s see how interesting these Fibonacci Numbers are!!

The Fibonacci Sequence in Nature

Fibonacci numbers are numbers, such that each number is the sum of the two preceding numbers starting from 0 and 1. The Fibonacci numbers or Fibonacci sequence are first used in the book, Liber Abaci, by Fibonacci which is used in the calculation of the growth of the rabbits. The Fibonacci numbers are closely related to the golden ratio. The ratio of the two consecutive Fibonacci numbers gives the golden ratio as n increases. {Golden Ratio: 1.61803398875}. Though, Liber Abaci contain the earliest description outside India, Indian mathematicians are the ones who described Fibonacci sequence as early as the sixth century.

Fibonacci Sequence

The Fibonacci day is celebrated on November 23rd every year. If we write it in mm/dd format, 11/23; it is also a Fibonacci number. The name Fibonacci is named after its inventor, Leonardo of Pisa, commonly known as Fibonacci was an Italian Mathematician, who was famous for his invention in the history of mathematics.

Leonardo of Pisa, commonly known as Fibonacci (1170 – 1250)

Let’s see the Fibonacci sequence with the example of rabbit, A farmer put a pair of rabbits on a closed surface. How many rabbits can be produced from the pair in a year, if it is that every month each pair produces a new pair which from the second month on becomes productive? The solution is the Fibonacci sequence. The sequence will go on like   1, 1, 2, 3, 5,….. and so on.

FIBONACCI SEQUENCE IN NATURE!!

  • In some flowers, the petals are arranged in the Fibonacci sequential arrangement which is enough to prove that Fibonacci sequences are available in nature too.
  • In the branches of plants, the leaves are spirally arranged in the Fibonacci sequence arrangement. In small plants, it will be 5 or 8. In larger ones, it will be 8 or 13 based on the growth of the plant.
  • The pattern of the seeds within the sunflower follows the Fibonacci sequence (1,1,2,3,5, …..).
The nature of design: the Fibonacci sequence and the Golden Ratio - Cleveland Design

Fine! Till now, we saw what is a fibonacci sequence, and who is the inventor and where can we see this fibonacci series. Now, shall we see where these fibonacci sequence are used practically? Yeah! Come on!

IN MATHEMATICS,

  • The Fibonacci numbers occur in the sum of the shallow diagonals of Pascal’s triangle.
Fibonacci sequence and Pascal’s triangle
  • The Fibonacci sequence is also used in the Pythagoras theorem. The hypotenuse of the triangle can be a Fibonacci number.
  • The Fibonacci sequence is also used in the network topology for parallel computing.

IN COUMPUTER SCIENCE,

  • The Fibonacci numbers are important in the analysis of algorithms (computational run-time analysis) of Euclid’s algorithm.
  • Its also used in the common factor tree method that is called a binary tree method which is the Fibonacci number minus one.
  • This Fibonacci sequence also used in the game called poker, it is a step in the game development.

Fibonacci sequence are used not only in these two fields but also in many other fields. To put it simply, I have given these two fields. As we saw earlier, fibonacci sequence can also be seen in nature. While contructing tall buildings, climb up and see from the top, this is also an example of a fibonacci sequence.

Algorithms 101: Climbing stairs in JavaScript | by Joan Indiana Lyness | JavaScript in Plain English

These are the various interesting facts in the Fibonacci sequence. It’s just a small part of mathematics. If we take an interest in various parts or topics in mathematics, we can make maths an interesting one. Mathematics is an ocean, where Fibonacci sequence is a small fish in it. Let’s try to catch various fishes like the Fibonacci sequence and make our lives a great one. If you find it interesting, just do some more research and excite by yourself like how I got excited!!

Reference links;

https://www.mathsisfun.com/numbers/fibonacci-sequence.html

http://www.eniscuola.net/en/2016/06/27/the-numbers-of-nature-the-fibonacci-sequence/

How to learn Typing and typing speed

How to increase typing speed? Tips to improve typing speed - inORGnet

The Most, if not all, careers involve some computer-based work and require strong typing skills. Information technology professionals, for example, must be efficient typists in order to write code for computer and software programs. Accuracy is equally as important as speed, as a simple typo could result in a system-wide error.

Now way day’s technology-driven world, students and young adults become familiar with computers at an early age. Some schools have stopped teaching typing altogether, assuming students already possess the skills necessary to be successful in the modern workplace, according to an article in MIT’s Technology Review.

without proper training and practice, many individuals resort to hunt-and-peck typing, or looking down at the keyboard to select the right keys one-by-one. Mobile technology, such as tablets and smartphones, have also increased reliance on hunt-and-peck strategies.

Preferred typing method is known as touch-type, or typing without looking at the screen. This is much more efficient than hunt-and-peck; the average person types at an average of 40 words per minute, but a person who relies on the touch-type method can exceed 75 words per minute, allowing them to complete their work much more quickly and with minimal errors.

You can prepare to enter the workforce, here are some pointers to improve your own typing skills:

1.) Use the correct starting position

When practicing your typing skills, it’s important to use proper hand placement. To start, keep your fingers positioned over the home row keys (left hand over the A, S, D, and F keys, and the right hand over the J, K, L, and ; keys), with your thumbs hovering over the space bar. From here, you can move your fingers slightly to reach neighboring keys. Your hands should always return this starting position.

These conventions are meant to help you familiarize yourself with the keyboard. As you become more experienced, you can experiment with different variations of this starting position to find the placement that is most comfortable and natural for you.

2.) Don’t look down your hands

Instead of looking down at your hands, focus on your screen. This can be difficult at first, especially if you have not yet mastered the exact placement of the keys. However, looking at the screen will help improve your accuracy because you will be able to catch your typos as they occur. You’ll also begin to memorize the placement of the keys, so you’ll be able to type more quickly as you practice.

3.) Maintain good posture

Sitting in an upright position is going to make it easier to type faster. If you are used to slouching in your chair or working from the couch, try moving to a straight-backed chair or working at your desk.

4.) Find a comfortable position for your hands

The wrong hand placement can make it uncomfortable to type for extended periods of time. The space bar of your keyboard should be centered with your body, so that you are not reading your screen or typing from an angle. As you type, rest your elbows on the table and keep your wrists slightly elevated. You should never bend or angle your wrists dramatically.

5.) Practice!

Nothing is mastered overnight, and in order to really improve your typing accuracy and speed, you need to practice every day. There are many websites that offer free typing skills tests and practice, such as Typing Academy, TypingClub and How To Type. It’s important to take your time with these typing exercises and assessments. Attempting to rush through them will only result in more errors at first. Trust that your speed will improve naturally as you become more familiar with the keyboard.

Improving your typing skills will not only make your student life much easier, it will benefit you in your future career as well. It might take a lot of practice to see improvement, but don’t give up. You’ll be typing like a pro in no time!

DO NOT GIVE UP THE BEGINNING IS ALWAYS THE HARDEST

        EVERYONE IS CAPABLE OF CREATING THE LIFE THEY WANT;YES WE ARE CAPABLE OF ANYTHING ONLY IF WE BELIEVE THAT BECASE  WITH BELIEF COMES TO ACTION AND WITH BELIEF COMES POSSIBILITIES.

             WHEN WE ARE OPEN TO LEARNING MORE….THEN WE ARE WILLING TO WORK FOR IT…

             AND WE THRUST OUR INTUITION & FOLLOW OUR HEARTS…..WELL,THEN ANYTHING IS POSSIBLE.

              BELIEVE IN YOURSELF!NEVER EVER GIVE UP!

           In order to understand the attitude ,read this amazing motivational story .this is very interesting ,so make sure to read till the end.

            Once a foreigner came to india and he was enjoying sightseening on the outskirts of kerala , a beautiful city of south india .he then entered a temple which was in under construction.

             He stops nearby a man who was a sculptor busy in making an idol with his brush and few tools. There was another similar idol lying nearby the sculptor.in confusion ,the foreigner asked the sculptor.

              “ i can’t see any mistake in the first idol ,where is it ,can you please let me know”

                While brushing the second idol ,the sculptor replied “please see ,the nose of the first idol is damaged and it cannot be repaired”

                 The foreigner said,” okay….. Where will it be installed?”

                 Sculptor answered” it will be installed at the 200 feet above the temple building”

                 The foreigner smiled sarcastically and said to sculptor” if this idol will be installed so high then obviously no one would be able to see the damaged nose of the idol .why are you wasting time in creating this second idol?”

                The sculptor smiled and said “yes…..you are right.no one will be able to see that damaged nose but i know it and  every time when i will see that idol ,the guilt of building a damaged idol will hunt me.”

                   Guys ,excellent means perfection and you have to be  perfect in anything you do in life ,no matter what .excellence drives from inside and you have to realize it.

                    Excellence is not something that you want to show off but it should be from your inner self.no matter what you do in your life ,you should be satisfied from inside.

                    One thing you have to understands is if you don’t do it with complete excellence ,don’t do it all because if it is not excellent then it will not be profitable or fun.

                    We are what we repeatedly do and excellence, therefore ,is not an act ,it’s a habit.

This story clearly shows that life presents changes to all of us .success is no accident but it is hard work, preseverance ,learning ,and sacrifice .a dream doesn’t become reality through magic.

                        It takes sweat ,determination ,and hard work .humans are creatures of habit .if you quit when things get tough ,it gets much easier to quit the next time.

                         On the other hand ,if you force yourself to push through it ,the grit begins to grow in you .so ,my dear friends believe in the end.

                           Always remember strength doesn’t come from winning ,your hard work and struggles in life develop your real strengths.

                             When you go through hardships and decide not to surrender ,that is call strength ,what is one piece of advice we can give to the young guns of this new era? It is indeed never give up.

                            Nowadays ,many students are too afraid to dream of how great their life can be because of other people .they offer them numerous example of what can go wrong.

                              Hey ,give plenty of examples of how hard life is ,the struggles in life….. But there is no need to believe in that.

                   “BELIVE YOUR SELF,NEVER EVER GIVE UP”.

“LAST BENCH KA LOAFER” – YJHD

Yeh Jawani Hai Deewani is a light – hearted, entertaining film with a hidden but deep message that leaves you with many questions about life to ponder upon.
Are we living our truth? Are we following our passion? What is the purpose of life? And do we know who we really are and what we really want in life?

Since our childhood, we are made to follow the rules set by the society. Fourteen years of primary and secondary education, three year of college diploma, and then join the rat race to get a perfect job with a good package. After landing to a perfect job, we work hard to earn money, save some for our next generation and finally retire. Sadly, it’s the retirement that most working people look up to so that they can finally enjoy their life. Its a vicious cycle that has continued for generation after generation, only because no one questioned it.
The most important thing that we often miss out, while trying to follow the set societal pattern is to actually LIVE our lives. We are so engrossed in planning for the next that we forget the importance of now and do not even live the now. Young adults work for a secure retirement so that they can enjoy their life. But often, that is the time when most of them regret not following their passion and doing what was best for them. However, they are left with very little time and hence are not able to make amends to their mistake.


In the movie we see Bunny as such a character, who in no way is a perfect ideal boy from the society’s perspective. He is seen a careless, emotionless, flirtatious young boy who denies to follow the rules set by others. He sets his own path for life. He is passionate about travelling, which again is not the most respected profession unlike engineering and medical. They want him to fit to a tie-suit, 9-5 job so that he can earn well and be accepted by the society. However, he had other plans for his life.


Though he was a “last bench ka loafer” who never passed an examination without cheating, he was more knowledgeable compared to other characters. Yes, he had less of bookish knowledge but he could pass any examination in the subject called life without having to copy others.


We live for 60-70 years on an average, yet its very late in life that we truly get to know ourselves. Often people do not even know themselves and follow a fake portrayal of themselves in order to suit the eyes of the society. They try to hide their real self, just to protect themselves from society’s judgement. However, Bunny stood apart from such a description. He knew himself and his expectations from life. Hence, he allows the society to judge him inside out as he was true to himself. However, It took years for Naina to decide what she wanted from life , and how it was so miserable that she couldn’t even afford a weekend break, because of her immense syllabus. It took her years to understand that she can never be a perfect daughter in the eyes of her parents, just by obeying them. And it was high time, she had to stand up for herself and her dreams which may not be well accepted by others. She was such a product of the society that believed that if she followed every rule, studied well, obeying her elders, became a doctor, she would be respected and accepted in the society. However, it was when she met her classmate Aditi, she realised that she had to take things in her own hands in order to better her life.


To a larger extent, Bunny played an important part in inspiring Naina to accept and love herself for who she was. Bunny had seen a lot in life. He lost his mother at a very young age, he never had a good relationship with his step-mother, he had financial issues, he never communicated well to his father and he had dreams that were different from the normal masses. Yet he never gave up on his dreams. He knew he had to earn for himself. Hence, he perused multiple side jobs along with his college so that he could save for the life that he desired, without depending on his family.


Though people see him to be a flirty, spoiled brat. I personally see him as a happy soul who loves to meet people and make new friends throughout the world. On a personal level, I believe it is not wrong to be over-friendly or to flirt with the opposite gender, until it is within the boundaries and consensual.

We live in such a society where various incidents do happen without the consent of the other person and yet those at fault live with the show of a respectable men and are honoured. It is the true gentlemen like Bunny who are termed as Casanova. He is respectable towards women, knows his limits, is helpful even to the unknown and I guess that is what counts to be a true gentleman. There were certain incidents like the time when Naina was not comfortable talking about adult films. He knew his boundaries and respected her choices.

Bunny brings out the best in people which helps them know and love themselves. He knows the importance of travelling and how an experience like such can change a person’s perspective towards life. Even when he was a complete stranger to Naina, he encouraged her and it would not be wrong to say that he was the one who made Naina believe in herself and love herself.


There was one such incident when they had been invited to a camp party. Naina being unknown to the concept of chilling with unknown strangers and making new friend, was hesitant. Often in life, we face such situations where we have doubt ourselves and fear the unknown. It is then, that we need someone to understand us and give the last push in order to overcome it. Bunny indeed was such a push to Naina. Though everyone believed Naina to be a serious, studious bookworm, it was Bunny who could bring out the fun Naina that was always inside her, waiting to be discovered and explored.

MULTIMIDEA IN MARKRETING

Services | Enforcer Web Solutions & Multimedia Marketing

Advertising has become very prevalent in our daily lives , so for a product to stand apart , it is very essential to present it in a dynamic , visually stimulating manner to grab the attention of consumers . The business world is slowly rejecting run of the mill tradition methods (such as placing ads in yellow pages , distributing pamphlets , etc.) and adopting solutions from the electronic era . Only companies with a nerve to radically change their marketing strategies for the new millennium will survive and be able to cater to ever- changing customer’s mindset . Applications of multimedia in the marketing field include the following :

  • Presentations for launching the products of a company . Reaching the target audience with necessary technical services or products requires clear communication stating the benefits and features , outlining its applications and any other product -related details , all presented in a well- designed and interactive manner so that the users can be familiarized faster . Multimedia presentations helps in motivating , informing and captivating audiences via PCs , laptops , plasma screens or kiosks delivered via CD-ROM or the Internet .
  • Multimedia is used to create interactive product catalogues , training tutorials , buyer guides and information directories with adequate search and navigation facilities to guide the user to easily trace the desired information . A buyer guide can list the nearly dealers , a comparison of the top brands , maps of the city and other helpful guest services .
  • E-mail advertising or placing banner ads on the internet is an extremely cost -effective method of launching a product , promoting an event or selling services . Effective use of multimedia in advertising can make potential clients sit up and make notice .
  • Multimedia applications help in building brand loyalty as well as improving sales .Brand loyalty will be improved as the users are provided a custom application which entertains ; informs or assists them .
  • Graphical elements , animations , as well as audio and video can be used to more effectively deliver sales instructional or marketing messages , thereby differentiating a firm from its competitors .

Why Group Discussion is important ?

A GD is a methodology used by an organization to gauge whether the candidate has certain personality traits and/or skills that it desires in its members. In this methodology, the group of candidates is given a topic or a situation, given a few minutes to think about the same, and then asked to discuss the it among themselves for 15-20 minutes.

Why GDs :

The reason why institutes put you through a Group discussion and an interview, after testing your technical and conceptual skills in an exam, is to get to know you as a person and gauge how well you will fit in their institute. The Group discussion tests how you function as a part of a team. As a manager, you will always be working in teams, as a member or as a leader. Therefore how you interact in a team becomes an important criterion for your selection. Managers have to work in a team and get best results out of teamwork. That is the reason why management institutes include GD as a component of the selection procedure.

Company’s Perspective :

Companies conduct group discussion after the written test so as to check on your interactive skills and how good you are at communicating with other people. The GD is to check how you behave, participate and contribute in a group, how much importance do you give to the group objective as well as your own, how well do you listen to viewpoints of others and how open-minded are you in accepting views contrary to your own. The aspects which make up a GD are verbal communication, non-verbal behavior, conformation to norms, decision-making ability and cooperation. You should try to be as true as possible to these aspects.

Reasons for having a GD 

  • It helps you to understand a subject more deeply.
  • It improves your ability to think critically.
  • It helps in solving a particular problem.
  • It helps the group to make a particular decision.
  • It gives you the chance to hear other students’ ideas.
  • It improves your listening skills.
  • It increases your confidence in speaking.
  • It can change your attitudes. 

Strategies for Improving GD Skills

  1. Observe : Attend as many seminars and tutorials as possible and notice what other students do. Ask yourself:
  • How do other students make critical comments?
  • How do they ask questions?
  • How do they disagree with or support arguments?
  • What special phrases do they use to show politeness even when they are voicing disagreement?
  • How do they signal to interrupt, ask a question or make a point?

2. Practice : Start practicing your discussion skills in an informal setting or with a small group. Start with asking questions of fellow students. Ask them about the course material. Ask for their opinions. Ask for information or ask for help.

3. Participate : Take every opportunity to take part in social/informal discussions as well as more structured/formal discussion. Start by making small contributions to tutorial discussions; prepare a question to ask, or agree with another speaker’s remarks.

Do’s

  • Speak pleasantly and politely to the group.
  • Respect the contribution of every speaker.
  • Remember that a discussion is not an argument. Learn to disagree politely.
  • Think about your contribution before you speak. How best can you answer the question/ contribute to the topic?
  • Try to stick to the discussion topic. Don’t introduce irrelevant information.
  • Be aware of your body language when you are speaking.
  • Agree with and acknowledge what you find interesting.

Don’t

  • Shout. Use a moderate tone and medium pitch.
  • Lose your temper. A discussion is not an argument.
  • Use too many gestures when you speak. Gestures like finger pointing and table thumping can appear aggressive.
  • Dominate the discussion. Confident speakers should allow quieter students a chance to contribute.
  • Draw too much on personal experience or anecdote. Although some tutors encourage students to reflect on their own experience, remember not to generalise too much.

Book Review: 1984 by George Orwell

Book Plot:

Winston Smith is a low-ranking member of the party. In his country Oceania, everything was controlled by the head of the party who is known as “Big Brother”. There will be cameras fixed everywhere like public places, apartments and even in our own houses including our bedrooms. We will be watching 24×7. The party controlled and monitored every people of the country, they decided everything of what must people talk, write even they controlled people from thinking about something which will be lead the party down. (Thoughtcrime) they say that and punish the people in secret ways. Sometimes people suddenly vaporize from society due to the crimes they commit. These all things made Winston depressed and he wanted to rebel against the party with his lover Julia. They both wanted to rebel against the current party that is ruling the country Oceania. How did they start their plan? With whom did they join to abolish the party? Who helped them? Who was against their ideas? And did they uprooted the party? Are questions will occupy our minds until the end of the book.

About the book:

This book is completely a dystopian novel by George Orwell who is famous for his dystopian and unique novels. Through this book, Orwell beautifully illustrated how it must be to be in the future.
This book was written in 1948 itself. And also adapted as a movie. If you don’t have time to read this full novel you can watch it virtually.
If you think “this plot reminds me of your school history subject” I say No… it’s beyond history. Orwell made a timeless satirical attack on the social and political structures of the world.
People in a higher position will create rules and make us obey them. If we don’t, They will give us what we need most and convince us to obey them. Or They will give pain or fear and persuade us to obey them.
Even though it’s a classic novel. The words are not that difficult. so, if you hate classic books due to their language. You can try this one. You don’t find it hard to follow it.
Why you must read this book?
George Orwell is a genius. Who is loot us from our reality? And left us alone in the place which is created by him. That is none other than his works. So, if you want to escape reality and get yourself into some unbearable works. You must try this one.
If you are a classic lover you can read it and would eventually start to love Orwell’s works.
If you are a literature student. This book and George Orwell’s “Animal Farm” book will help you with major paper and their background studies.

Quotes from this book:

Who controls the past controls the future.Who controls the present controls the past.

If you want to keep a secret, you must also hide it from yourself.

If you loved someone, you loved him, and when you had nothing else to give, you still gave him love.

Power is in tearing human minds to pieces and putting them together again in new shapes of your choosing.