Mutual Funds 1O1- Advantages

Mutual Funds collect small sums of money from a large number of investors. This becomes a large pool of money which is invested into the market and the returns generated are distributed among the investors proportionately.

There are many advantages of investing in Mutual Funds:  

  • Professional Management: Investing directly in Equity is very risky for those who are not experts and lack the ability to track the market regularly.  Mutual Funds are managed by professionals with adequate  qualifications and experience.
  • In house research is undertaken to aid the fund manager. 
  • Top management involvement to guide the investment policy and the fund house philosophy.
  • Competitive performance resulting in constant improvement of portfolio and NAVs are disclosed at record timings.  
  • Diversification: Diversification is nothing but investing your money across different types of investments. An investor with a limited amount of funds might be able to invest in only one or two stocks/bonds. However, Mutual Funds invest in a no. of companies across a broad cross-section of industries and sectors. This diversification reduces the risk because it is unlikely that all the stocks decline at the same time. So Unit holders of a mutual fund achieve this diversification with very less money that an investor cannot do on its own.  
  • Low Cost: Mutual Funds invest huge amounts of money on a regular basis. Therefore they pay very less % of the amount such as brokerage, depository and other types of charges as compared to the individual investors. So mutual funds provide a cost efficient way to invest in the financial market. 
  • Transparency: Mutual Funds have to publish their NAV on a daily basis and they have to periodically share the portfolio investments with the investors. They offer transparency to investors and have to publish their results semi-annually. Any important change in the scheme has to be duly informed to investors. 
  • Attractive Returns: Mutual Funds give very attractive returns in the long or medium term because fund managers invest in stocks after considering the fundamentals, future plans of companies with the help of trained research teams. They use every possible technique to save the investors’ money such as Hedging. So it’s a very good investment avenue used in the financial planning process. 
  • Well Regulated: All the mutual funds have to be mandatorily registered with SEBI. SEBI Mutual Fund Regulations 1996, as amended till date, governs the mutual fund operations and investments. The regulatory system aims to ensure the protection of interest of investors. The fund investments have to be as per the scheme’s objectives and there has to be complete transparency about funds investment and performance. NAV of the fund has to be published daily and scheme’s performance periodically. SID (Society for Information Display) & SAI contains all relevant and important information pertaining to scheme and fund and serves as an important investment document for the investor. Thus mutual funds are a well regulated investment vehicle in India. 
  • Choice of Options: In India, Mutual Funds offer different types of schemes to suit the varying needs of investors. Investors have different goals and objectives, which may range from retirement planning to investing for a vacation. Investor’s needs may include capital appreciation, liquidity, regular income etc. Because of several types of schemes launched by mutual funds catering to different investment requirements, investors have numerous options to choose from the wide range of schemes such as growth plan, regular income plans or Equity oriented plan, Gilt Funds. They also have the choice available in their method of investment. They can invest lump sum money or they can opt for periodic investment in the form of monthly installments through Systematic Investment Plan (SIP). Similarly they can opt for single withdrawal of entire funds when needed or monthly Systematic Withdrawal Plan (SWP). 
  • Liquidity: Open ended mutual funds are very liquid investment avenues because investors. Open-ended schemes are all the time open for subscription and redemption with the fund house itself. Investors can enter and exit from the scheme at any time at the prevailing NAV. Closed ended schemes offer limited liquidity to investors. Investors can buy the units only during NFO (new fund offer) and can exit at the maturity of the scheme when the mutual fund redeems the units at the prevailing NAV. However, all the closed ended schemes have to be necessarily listed on the stock exchanges in India. This provides a secondary market exit route to the investors of closed ended schemes. Though the schemes are listed but practically trading volumes in mutual fund units are negligible and therefore closed ended schemes don’t offer liquidity to investors. 
  • Convenience: Mutual funds provide a very easy and convenient way of investment as well as withdrawal of funds as compared to other investment avenues like Real estate, Debt instruments etc. Investors can invest in any manner either through distributors in the physical form or can buy units online whatever is convenient to them. Units can be held in physical or demat form. 

Mutual Fund is an investment avenue which gives the small investors an option to participate in the capital market with their small funds and limited knowledge of the volatile market.  

why is it hard to say no?


“We need to learn the slow ‘yes’ and the quick ‘no’”, stated Warren Buffett, the CEO of Berkshire Hathaway. Another quote by Tony Blair, Former prime minister of the United Kingdom states “The art of leadership is saying no, not saying yes. It is very easy to say yes” But for many people, it is not easy to say no.but, what makes it so hard to say that monosyllabic word?
Human interactions are quite reliant on reciprocity, which makes us feel that not obliging socially will threaten our bonds with people. Amongst our struggles to fit in with our peers and keep them happy, some worry that saying “no” might make those same peers reflect them. Other than that, the fear of saying no also urges to avoid any conflicts or confrontations or making someone upset or hurt their feelings.
Dara Blaine, a career counsellor in Los Angeles states that “some people are conditioned to think that if they say no, they will not move forward in life, which is absolutely false.” She continued to say that “it’s when people learn to say no that their careers really take off”.
Study also shows that women often find it difficult to say no compared to men, mainly because of the reasons of not wanting to piss them off(mostly men), or wanting to protect the ego of the other person. While not saying ‘no’ when a person really wants to, it may help avoid immediate discomfort of confrontation, but in the long term causes resentment, emotional stress and sometimes even depression.
Why is it important to say NO?
It is important to say no as when you say no, you prioritise your own feelings and needs over others.
Saying no is a sign of respect as saying yes can later cause resentment against a person and can ruin a relationship. So, when you say no, it indicates respect for yourself and for the other person.
Experts encourage people to take control of their own lives and assert boundaries by learning to say no. When a person says no, it really reflects that the person is in the drivers seat of their own life…it gives a sense of empowerment.

The sky-rocketing university cut-offs

The Problem:

97%, 98%, 99% in fact, 100%! These are not Dettol’s bacteria killing percentages, to tell the truth, these are the sky rocketing cut-off figures that are required for admission into the prestigious Delhi University. Although, the cut-offs have been escalating steadily over the prior years, this year, Lady Shri Ram college (LSR) has broken all the previous records by setting 100% cut off for three programs for admission. As a matter of fact, all other DU colleges also have 99% and higher cut offs. The university has refused to bring the bar any lower, even in the dim of this Global Pandemic. The primary motive behind these cut-off figures is that around 5,500 registered candidates for admission to the university have a ‘best-of-four-subjects’ percentage of 100%. I agree that, one of the main reasons for this is the fact that, the number of applicants are more than the available seats. This year alone, 3.5 lakh students have applied and competed for a mere 70,000 seats that are available. The percentage of students scoring above 95 has also increased this year. This results in a vigorous competition. However, 100% cut-off seems highly unreasonable, because certain boards, specially ICSE, do not give full marks in certain subjects. Where does it leave the rest of them, then? Shouldn’t a national university be inclusive of the issues and predicaments of all the students across the country?  In these unprecedented times, these cut-offs seem quite unreasonable and unreal.

Better Methods Of Filtering:

One obvious way to lessen this problem, is by increasing the number of colleges, by opening another campus. However, it is not the silver bullet to the soaring number of applicants appearing every year. It is disappointing to see brilliant students to lose their chance at this respectable institution just by a few marks. Such esteemed universities need a better method of filtering for admission of candidates. For starters, they could shift the weight of admission criteria from marks alone to the overall performance of the candidate. Many a times, marks don’t justify the potential of a student. In fact, most of the top percentile students, hardly have any other achievements under their belt. In my view, a comprehensive all-round performance of a child must be encouraged along with a reasonable cut-off for admission filtering. This will improve the quality of the students and the overall performance of the University. Apart from that, students must not hold DU as their ultimatum. They must be encouraged to try out different alternatives. We as a society, must collectively play a role in encouraging and motivating students in their pursuits and not bringing them down for not getting admissions in certain ‘reputed’ colleges.

Learn to Apologize

Photo by Brett Jordan on Pexels.com

Apologize when u do a mistake.Sounds cliche right?

But it has a deep meaning and significance.

There are two possibilities either you have done something for which you should genuinely apologize and second is you have not done anything wrong but still being accused.

Let’s discuss the former ,

If and when a mistake is committed by you be it intentionally or unintentionally,apologize for it.

It may so happen that your actions/words didn’t directly culminate to a mistake but have adverse indirect effects.So ,by keeping your heart out of ego ,empathizing with the victim , just apologize.

Your mistake might not feel big to you but could be grave or fatal for the other party.

You might have caused deep cuts by your words,causing injury to their soul.

Irrespective of your awareness of the grief,apologize.

It will not just Help them move on but also help yourself from avoiding any further regret. A man Can live poorly But living with guilt It’s some thing no one can afford.

So for the sake of your own selfishness at least,learn to apologize.

It is not easy to become brave and accept your mistakes.But it is wise and appropriated.Bowing down doesn’t make you weaker,it only helps you grow as a person.Self introspection grows stronger and your quest to success begins.Identifying and realising your mistake is an indication of self awareness and diluted self ego.

So next time you cause hurt,mental or physical intention or unintentional 

Apologize.

Now the question is when you know you have not done wrong and the other party is falsely accusing you.After self introspection you come to know that you aren’t at fault,no facts support you are wrong and the other party is falsely framing you for selfish purposes.

Do this,

First of all realise that this person is not your friend if s-he does something like this.Cut off this toxic person.

Do not apologize when you aren’t wrong.Take your stand. You aren’t nothing to bow down when you are right.Stand up for what you believe.

Provide facts or statements of your right.Convince those who care about your arguments.Those who do not care won’t care even if you are right.

Give counterarguments .Do not sit down helplessly.If the person is important to you then try to explain yourself if not once then thrice.If s-he doesn’t trust you regardless,leave.

Trust is an important tenet of any relationship-friendship.If you cannot trust you ,you should not keep them.

You need to achieve a balance between right and wrong.

A wrong means for a right future is not always justified.

So today’s mantra-

Organize yourself,your thoughts and never bow down your ideals to someone who doesn’t value you or your thoughts.

Care for yourself just like you would care for others.

When wrong,do not shy away from apologizing.

the rise of small businesses in india


Beyond the high profile business wars between the retail bigwigs in the country,lies the core of retail-the small business community, which in the last one year has revolved rapidly in terms of operation and technology.
The small business community was among the first and the hardest to be hit by the covid-19 pandemic. Yet in the face of so much adversity, they demonstrated unfathomable resilience. These small business have used digital platforms like Instagram and Facebook to make a new start and grow through this particularly challenging time.
With small businesses forming 30% of the GDP, it is known that their revival will be critical to the economic recovery of India.
Nandan Nilekani, the non-executive chairman and co-founder of Infosys in his interview to fortune India stated that it had been a tough year for small business due to the pandemic. However, these problems notwithstanding, small businesses in India do have a bright future ahead. He continued to say that “I strongly believe that they are the engines of economic growth and job creation, and I believe they will have a very good future”
Hence, the rise of small businesses has just begun in India and it will not just define the country’s recovery from the pandemic but it will also shape the coming decade of entrepreneurship and innovation.

SPEAK UP!

Health is not only what you eat or what you drink. Health includes all other factors such as what you think, whom you surround yourself with, and the environment where you reside. Physical Health and Mental Health go hand in hand.

Nowadays, we tend to focus so much on our physical appearance and health that we forget to take care of our mental health. No doubt, if we do not eat good food and take proper rest, we may get ill but if we do not care about our thoughts, then also we may get ill. We are living in a world that is moving at a very fast pace and we all are messed up in our worlds. We have many problems nowadays like family problems, relationship problems, work stress, etc., and finding solutions to these problems is the only way we can live happily. All this can trouble a person so much that the person may find himself/herself depressed. We must speak about the problems and situations we are facing in our lives to our near and dear ones.

A person may look happy from the outside, but what’s going on inside that person matters more than what’s on the outside.

Mental health includes our emotional, psychological, and social well-being. It affects how we think, feel, and act. It also helps determine the extent to which we can handle stress and make a healthy and happy life. Mental health is of utmost importance at every stage of life, be it childhood, adolescence, or adulthood. Mental and physical health are equally important for overall health. Mental illness, especially depression, increases the risk for many types of physical health problems, particularly long-lasting conditions like stroke, type 2 diabetes, and heart disease. Similarly, the presence of chronic conditions like cancer and diabetes can increase the risk for mental illness.

WHO defines Mental health as mental well-being in which an individual realizes his or her own abilities, can cope with the normal stresses of life, can work productively and is able to make a contribution to his or her community.

When we sense our physical health declining, we visit a doctor for a check-up. The doctor then performs some tests and the results are out in no time. If we have a fever or headache, we take medicines to recover from it. The medical field has advanced so much in the past few years that we have developed treatments and medicines for almost all types of physical health disorders. Why don’t we do the same if we sense our mental health declining? Why are we afraid to speak up about our mental problems. Speaking up about our mental health problems to your peers or family members is the only way you can find a solution. If you don’t reveal what is wrong with you, then you are only responsible for the decline of your health because mental illnesses like depression and schizophrenia can destroy the person from inside and others may never get to know about it. 75% of suicide cases occur due to this situation that people never open up about the problem they are facing, they get eaten up on the inside by the illness and when it crosses the red line, they do not find any good reason to live and give up on their life. Psychologists and Psychiatrists are the ones you need to visit if you sense your mental health declining, if you sense yourself in a lot of stress, eating less or more than you used to eat, sleeping more or less than you used to sleep, you see your daily functioning reduced as you are messed up in your own thoughts. There are stigmas associated with mental illness and people are discriminated against for it but if we keep these things to ourselves and not open up due to fear of stigmas and discrimination, it will be a big mistake. Illness means that something is not okay with us, be it physically or mentally. So, what is the problem with visiting a psychologist and consulting what is going on inside you? We all need to rise above the stigmas and open up about the mental illness we face. 

To every problem, there is a solution. But if we do not speak up, we may never know the right place or the right way to find the solution.

So, I urge everybody to speak up about their mental illness and not keep it to themselves.

A sound mind in a sound body

Greek philosopher Thales

Only if your body is physically fit and you have a sound mind, you can lead a happy and peaceful life.

It's time to speak up: Why adland needs to be more vocal

Body Shaming

Body shaming is the act of mocking someone’s physical appearance. This includes fat- shaming, height- shaming, shaming for thinness; also sometimes people are body-shamed for having less hair or hair colour , lack of masculinity ( in males) and lack of femininity ( in females).

If a person whether a male or a female is overweight or obese then they are body-shamed for their fats present in the body. Sometimes this segment becomes a little controversial that if the person is suffering from obesity then why don’t they do regular exercise and follow regular diet; which is quite right to say. But there are also some people who have some kind of problem because of which no matter what the do or follow strict diet a little bit of eating can also make them fat. It is seen that sometimes the overweight people eat less than the normal people and till now nothing such conclusion has been made to this situation.

Suppose if a fat girl wears a tight fitting dress which projects her belly fat as if coming out of the body, people stars mocking her and saying abusive things for that. They starts telling her ugly and all these things makes her insecure about her physical appearance and sometimes this may lead to a serious condition of depression. The people who laughed at her said abusive words to her , could have gently told her not to wear such tight fitting clothes instead wear some losses beautiful clothes so that she can look more pretty.

Not only the obese people, the thin people are also body- shamed. They are said that “you are so thin that you will get carried away with the air”. People tell them that they don’t have any stamina or strength because they are so thin and don’t have much muscles. Instead of saying things like them they could have said that eat some protein rich foods and do some exercises for building up muscles.

If a boy is a little short then he is treated very ill in the society. Our society has the notion that boys should be tall enough to fit in the category of so called “perfect”. No matter what is their age people always calls them as “little”, “dwarf”. This effects a lot to the mental state of the boy and his self- esteem is totally destroyed. Sometimes if a boy is too tall then also people mocks him by making him as “pillar”. Instead of saying these kind of things people should encourage them as the way they are.

If a girl has some masculine features in her body let’s say for example, has some thin facial hairs or hairs around the upper lip then they are mocked by their friends as a boy. On the other hand if a boy don’t have much facial hair then they are laughed at and regarded as a girl.

Our society has a pre occupied notion that a perfect body for a girl is that the girl has to be slim, she should not have any masculine features and she should not be much tall. While for the boys, they should be tall and should have much facial and hair growth in their body.

This lowers the self esteem of such people who are the victims of body shaming. Instead of shaming them for their physical appearances we should stand with them and encourage them to be with themselves in the way they are!

10 ways for loving yourself

Hey! Today we will talk about ourselves!

confused? Don’t worry! Am talking about a motivational and lovable attitude within us, that we forgrants and feel unhappy with ourselves.

Here are some tips that you should try and I promise, you will love yourself and will satisfy with your life!

  1. Every time when we got into a problem, we feel so embarrassed and disagree with the situation. Sometimes this situation puts us in depression. so when next time you feel like these all things, just ask yourself- is your mess- up really a big deal?
  2. All the people can’t be same! So appreciate your imperfections!
  3. turn negative Statements into neutral ones and feelings into facts. So you will not feel dismotivated.
  4. Put distance between your thoughts and who yourself!
  5. Talk to yourself like a good friend.

I hope all these tips will work for you! Try and feel free to tell me about your experience!

Advice for first time entrepreneurs

ACCEPTANCE

Get ready to live in reality, not in real life! what does that mean? This means that anyone you meet and discover that you are an entrepreneur will say the same thing to you, “You should get a job, just to be safe.” Shouldn’t you graduate from school? The first one? You are not Zuckerberg. “(The worst person)” What would your relatives think of you? and many more. Stop arguing with them. These people think throughout their lives that if they do what others tell them, they will be happy, or at least realize their dreams. They have to learn from their own painful experience that everything is a lie.

Remove them from your life. Don’t tell these people after the first few phone calls. They will find a way to keep it to a minimum and insist that you stop reality and become pragmatic (so you may end up being as unhappy as they are). Forgive them. Few people have the spiritual and emotional power to implement entrepreneurship. Even those who do this will still collapse due to failure. Working on weekdays, drinking on weekends, getting up early on Monday morning, and continuing to do this over and over again is your only choice.


Always believe in your opinion.

You will not be a professional businessman, in the beginning, so you may do a lot of crazy things and create jobs according to your dreams. On other days, you wait for an answer to an annoying problem, and then “suddenly” find a solution. These two situations have one thing in common: intuition. By the way, you always trust your instincts. And I mean it. Sometimes you will be right. Not even the most respected experts. Sometimes you have to ignore other people and admit that your decision is a decision, and no one else has a say. Your instincts will be like superpowers.

The reality is subjective

After a business trip, sooner or later you will encounter a wall. Your progress is zero. Your day will be the worst day on earth. You will temporarily lose confidence and daydream, doubt your job, your career, and your future. When those days come, make sure you understand a simple rule: reality is subjective, and sales are the key to success. On these bad days, you will lose. You will work less. You will believe less. You will take fewer actions. Then you were crushed… crushed by yourself. If you are struggling, you can promote yourself by saying “You are an explosive entrepreneur” instead of “I’m just a stupid entrepreneur who has no real business experience and is frightened.” It is not lost. You are the next person, the next big business, the next person to make headlines. All you have to endure is hardship, just some weak obstacles that keep trying to stop your time and time again.

POSITIVE ENVIRONMENT

Empower the people around you. When forming a team, try not to make too many decisions. Eliminate bottlenecks that hinder decision Making and implementation as soon as possible. Instead, let the person closest to the problem make the decision. Inside the organization, or better yet, people outside the organization, such as your customers or suppliers, must make decisions more frequently than you.

Financial planning

Creating a financial planner workforce that reflects the changing demographics of wealth in the United States is important for ensuring the long-term success of the profession and the ability of Americans to access the advice they need.In recent years, significant progress has been made in attracting more women, people of color, and young individuals into the field. The number of CFP® professionals under age 30 has increased by 83% since 2016; 6,032 new women have joined the ranks of CFP® professionals, bringing the total to 20,632; and the number of Black and Latino CFP® professionals , including those who self-identified as biracial Black and Latino, grew to 3,688 in 2020.Recruiting, however, is just one piece of the puzzle.Creating a more diverse and sustainable workforce also requires cultivating an environment in which financial planners want to build a career.”As awareness of the financial planning profession continues to spread and we attract more ethically and racially diverse talent, the challenge continues to be retaining and supporting these thriving professionals,” explains Rianka Dorsainvil, CFP®, Co-CEO of 2050 Wealth Partners.In part, such support means helping financial planners feel comfortable in the field and recognize the unique skills and perspectives they bring.”Even though I didn’t necessarily look like most everyone else in the profession, I wish I realized then the power of being able to connect with someone who shares my background,” says Marguerita Cheng, CFP®, CEO of Blue Ocean Global Wealth.”There are many people from different walks of life who could benefit from the services provided by a financial planner. And the personality traits that might appeal to one person or demographic, may not resonate quite as well with women or people of color,” Cheng says.Jeanne Fisher, CFP®, CPFA, with Strategic Retirement Partners, notes that this is why financial planners need to harness their differences.”Being a woman can be an advantage — not a disadvantage. Embrace it. Don’t try to ‘fit in with the guys.’ Our different approach, and the fact that we are naturally more empathetic, works in our favor,” she says.Early in her career, Dorsainvil says she felt that “in order to fit in I needed to code-switch. I could not be my authentic self.” Not only was it exhausting to constantly change mannerisms or appearance to feel like she belonged with a specific audience, Dorsainvil says doing so also ignored the fact that no matter where you come from, what you look like, how you grew up or your circumstances, you can be successful in this profession for who you are and what you bring to the table.Dorsainvil adds that overcoming that mindset and the barriers that keep women and people of color from entering or staying in the profession requires allies in the financial advisory space to act in solidarity with marginalized groups and unlearn what they think they know about race and ethnicity.Phuong Luong, CFP®, a financial planner with Just Wealth, LLC, explains that this means having difficult conversations.The profession “cannot truly be inclusive until we see why we’ve been exclusive for so long,” she says, adding that financial planning as a whole is in a unique and privileged position to facilitate the reckoning that will ultimately help people become the most honest and realized versions of themselves”If we get comfortable talking about race, imagine what we could do.”To learn more from diversity, equity and inclusion thought leaders and best practices visit www.CFP.net and plan to attend the 4th Annual Diversity Summit, taking place virtually November 17-18. 

Motivation – the eternal driving force

What is motivation?

People’s behavior usually has multiple reasons.

When a person is inspired by external forces, other people, or rewards, the motivation can be external. Motivation can also be internal, so inspiration comes from within, that is, the desire to improve at a certain point in time. Intrinsic motivation tends to motivate people more and achievements are more valuable. The structure used to understand motivation is the pyramid of needs proposed by the American psychologist Abraham Maslow in 1943 and by gradually discovering and satisfying a variety of needs, from the most basic needs (such as food and safety) to the overall need for love, belonging, and self-esteem, to fully realize the potential of self-realization.

Over time, Maslow extended this theory to include the need for self-transcendence: people reach the peak of growth by paying attention to things outside of themselves and find greater goals in life. Although the universality of Maslow’s theory has been questioned, many people believe that it reflects basic truths about human motivation.

How can I stop Procrastination ?
Procrastination is usually caused by underlying stress or fear of tasks. But there are some ways to overcome discomfort and hesitation. You can break the project into smaller, more manageable parts; taking one step will increase your motivation for the next step. You can limit the time spent on preparation or try to complete the task as quickly as possible. You can also set the rewards you get after completing tasks or parts of tasks.

How do you keep up with challenging tasks?

It is natural to get into trouble at some point, especially when dealing with complex tasks, but research shows that several strategies can help. One of them is to focus on the positive results of the work, such as passing a final exam. The other is trying to control his emotions while doing homework, for example, if he thinks of your next vacation while running on a treadmill, while others are trying to track your progress and tracking allows you to proceed to the next step. Try to enrich the task and make it more interesting (called a “temptation set”), such as listening to a podcast while doing laundry.

How can I stay motivated to exercise?

When motivation becomes an obstacle to training, some creative ideas should be considered. One of them is to expand your options: if you don’t have time to exercise in the gym, go for a walk, use your body weight for circuit training, or watch a video about yoga; the other is to make exercise more comfortable, such as B. Listen to one with a tape recorder Book. The other is to make a social contract with a friend or relative; for example, if you give your mobile phone time instead of exercising, you need to donate to the activity chosen by the other party.

SELF LOVE

You must have hear this word used frequently by many Instagram influencers, celebrities, influential people saying self love is so important for your growth, for yourself now let’s see what’s the real meaning of ”Self-love” , well it means that you accept yourself fully, treat yourself with kindness and respect, and nurture your growth and wellbeing. Well in simple words loving yourself and accepting the way you are, it’s easier to say than it’s done, self love needs you to understand yourself fully, to make sure you are okay with yourself, to accepts your flaws, just to be ‘You’.

When you love yourself, you have an overall positive view of yourself. This doesn’t mean you feel positive about yourself all the time. That would be unrealistic! For example, I can temporarily feel upset, angry, or disappointed with myself and still love myself. If this is confusing, think about how this works in other relationships. A mother loves his son no matter how disappointed and angry she is with him, at the end of the day she cares because she loves him, she accepts him the way he is. This love allow her to forgive him, Well self love is very much the same which means if you know how to love others, you know how to love yourself.

There are some examples which shows what self love looks like-

  • Saying positive things to yourself
  • Forgiving yourself when you mess up
  • Meeting your own needs
  • Being assertive
  • Not letting others take advantage of or abuse you
  • Prioritizing your health and wellbeing
  • Spending time around people who support you and build you up (and avoiding people who don’t)
  • Asking for help
  • Letting go of grudges or anger that holds you back
  • Recognizing your strengths
  • Valuing your feelings

Self-love is the foundation that allows us to be assertive, set boundaries and create healthy relationships with others, practice self-care, pursue our interests and goals, and feel proud of who we are. so accept yourself, love yourself because you are one of a kind.

Does this Pandemic could co-exist with Good Education ?

The answer is: YES!

It has been quite a salacious topic as to how everyone who studied in a Zoom class is nothing but suffering. But are we really? Teacher’s who aimed at delivering their best and optimising the tools they had over the course of this year have certainly made this experience memorable. Graduating batch of 2021, what a load of expectations we had carried upon us, planned to do all the fun stuffs, even study, because its important but the situation didn’t clearly permit such flexible ideas to help nurture. However, we were able to still get-out-of-the-rut that the University’s put us in with just End Semester Exams, an extremely futile practice, and we were suddenly, introduced to a more integrated system, with Assessments throughout the course of semester.

Seems like a big task when first introduced, but now standing at the end of the tunnel and looking back, it was the best thing to shape us, our personality, as well as give us a glimpse of what a true education,  which is not just inclusive but better in terms of helping understanding the Course as well as giving the students the autonomy to act upon their discretion and prove themselves looks like. Heavy, but ’tis not, some may say it’s ‘toxic’ that the ‘pressure of submissions gets too unbearable’ but if contemplated upon the same, we came out better than a lot of our previous batches, a fresh start — a new page to the system of passive education we are unapologetically fed.

For years, there have been discussion on the pros and cons of examination, consisting at least 80% of a students grade; a cemented archetype that made sense to some, but was shattering to the student itself, and unequivocally created nothing short of unhealthy standards and competition with its tendency to be an open exhibition, but having given 50-50 opportunity to have multiple assessments alongside a small examination gave us the chance to prove ourselves, apply the theory we understood, and what’s not good about this entire method of testing, grading, and evaluating a student? I would like to hear about it in the comments, because such methods help us cope from the shame of being labeled as being cheaters in online examination.

Teachers, most likely than not, on one hand may say that they are burdened with additional hours of work, yes, there are some administrational hurdles that we will face, but if we could resolve it, the result for the effort would be a better, stronger education to the citizens of a country, who have plenty of children to educate and have a future to invest in, in order for a stronger, labor intensive population who can carry their own burden proudly. 

So, the pandemic, gave me a new outlook, a more desirable way to pursue education whilst in India, and instilled a hope to prove myself as a better student by the work I submit, also inculcate qualities to work on deadline, and meet new challenges. So, can’t we receive such opportunities with nothing but welcoming arms?

How To Fix Mixed Content Errors In Blogspot Blogs

  With HTTPS now automatic in Blogger the benefits have been considerable. However, there are some issues that are now facing bloggers thanks to this change in policy and one of the most common is mixed content errors.

What are mixed content errors?

This is when a web page becomes secured by SSL, but it contains both secure HTTPS and also the non-secure HTTP which is usually links, scripts, style sheets, video, and images. This results in browser errors that negatively affect the performance of your website and cause security issues. This means that source codes such as template, layout gadget, and post and paste may be causing the issues in the HTML side of the equation.

How to identify mixed content errors?

This is a fairly straightforward process that you can use through Google Chrome:

1. Visit blog using HTTPS, for example – https://yourblog.blogspot.com
2. Access the Chrome Menu at the top-right of your browser window and go to “More Tools” > “Developer Tools” and switch to the “Console” tab or use the CTRL + SHIFT + J keys to open the JavaScript console
3. Look in the Console for mixed content errors which will look similar to these:

mixed content, chrome console

Examples of mixed content errors include, but are not limited to the following:

– Insecure Script Request
– Insecure Image Request
– Insecure URL Request

You should list all unsecured URLs and visit the other pages on your blog to check for other mixed content errors.

Fix the mixed content errors in a Blogger template

To fix the errors encountered which may be found in the template or layout, you will need to do the following:

1. Go to Blogger and select your blog, then click on “Template” and press the “Edit HTML” button
2. Click anywhere in the code area and press CTRL + F to search for http://

http:// to https:// blogger

3. Replace all http:// prefixes with https://

Verify that the new URLs using the HTTPS addresses work by opening them in a new window on your browser. If the links you are receiving provide the same results, then you can Save Template.

To check for layout errors:

Go to Blogger and click on ‘Layout’ > check for any HTML/JavaScript gadget and click ‘Edit’ on each gadget. Replace all http:// prefixes with https:// then verify that they are working and hit Save.

Fix the mixed content errors in Blogger posts and pages

To check for post and page errors, do the following:

1. Log into your Blogger Dashboard and select your blog, then click on ‘Posts’ or ‘Pages’ and select any post or page > hit the “Edit” link below the Post/Page title.

2. Once the Post editor opens, switch to the “HTML” tab and press CTRL + F keys to look for http:// prefixes. After you found them, replace http:// with https://

fix mixed content errrors

Be sure to verify that the new link works by opening up your browser and testing them. After you’ve tested them, hit Update.

Update to the Blogger post editor to fix mixed content

To find and fix mixed content errors automatically, Blogger has released a warning tool that alerts you to possible mixed content issues in your posts. All you need to do is go to “Edit” inside a post, switch to the “HTML” tab and hit the Update button. All of the errors will be presented along with the ability to fix them. Once they have been corrected, hit Update.

mixed content error

In the end, fixing these types of errors will greatly improve the performance of your blog, particularly when it comes to pages that may have this particular issue with mixed content generating errors. It also applies to custom domains as well as long as you have an SSL certificate. All it takes is a few minutes and you can greatly improve your blog site that has been impeded with mixed content errors.

Why do we hate our bosses?

Cognitive revolution played a huge part in how we interact as groups today. Legends, myths, gods and religions appeared for the first time during the cognitive revolution. So we basically started creating fiction and as a result of that we could  weave common myths such as the concept of a country and things like human rights. Such myths give us the ability to cooperate flexibly in large numbers and this is how leaders emerged.

So how are we doing now as leaders? Today the top google search results for ‘my boss…’is very unpleasent. 90% of the people agree their leaders are incompetent. And it is true. Most leaders have very negative effects on their followers and subordinates,causing low levels of productivity,and high levels of burnout and stress.

An organizational psychologist says one of the reasons might be because when we elect our leaders we can’t discern between these two words: confidence and competence. A lot of people right now in leadership are people who have fooled others that they are better than they actually are. And this is not because they are very manipulative but mostly because they fooled themselves too.  I’m pretty sure you have worked with people who think they are really good at something, when they’re actually not. Also, statistically,they are more likely to be male than female.Men are typically more deceived about their talents than women are. So there’s a sexism converstion here which I won’t be discussing since we don’t have time but the catch is that they are also  more likely to succeed in their careers. So being unaware of your limitations increases your probability of being a boss.

But why did our society start functioning like this ? It’s us.

When we comes to leaders, we tend to gravitate towards leaders who are charismatic and charming We prefer our leaders to be  charismatic and  fascinating.But in reality, the best leaders are humble rather than charismatic,to the point of even being rather boring.This is why they rarely feature in the media or blockbuster movies.If we want to improve the performance of our leaders,we should start by focusing on the right traits.Instead of falling for people who are confident, narcissistic .We should promote people into leadership because of their competence, humility and integrity. Leaderships should be judged on traits like accountability, empathy. Are they able to convey their message to their team, can they keep a team motivated?

Yes,if they are very charming, give groundbreaking speeches and sweep you off your feet,  good. But that alone should not be the criteria of choosing a leader. Look at Elon Musk, that guy can’t speak four sentences without stammering yet he has been successfully leading one of the biggest companies. And anyway we don’t have a good history with  people having over the top speaking skills!