Tag: #beaware

Mutual Funds

N kavya

A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund are known as its portfolio. Investors buy shares in mutual funds.

Why do people buy mutual funds?

Mutual funds are a popular choice among investors because they generally offer the following features:

1. Professional Management -:The fund managers research for you. They select the securities and monitor the performance.
2. Diversification-: “Don’t put all your eggs in one basket.” Mutual funds typically invest in a range of companies and industries. This helps to lower your risk if one company fails.
3. Affordability -: Most mutual funds set a relatively low dollar amount for initial investment and subsequent purchases.
4. Liquidity -: Mutual fund investors can easily redeem their shares at any time, for the current net asset value (NAV) plus any redemption fees.

What types of mutual funds are there?

1. Money market funds-: Have relatively low risks. By law, they can invest only in certain high-quality, short-term investments issued by U.S. corporations, and federal, state, and local governments.
2. Bond funds-: Have higher risks than money market funds because they typically aim to produce higher returns. Because there are many different types of bonds, the risks and rewards of bond funds can vary dramatically.
3. Stock funds-: Invest in corporate stocks. Not all stock funds are the same. Some examples are:
• Growth funds-: focus on stocks that may not pay a regular dividend but have the potential for above-average financial gains.
• Income funds-: invest in stocks that pay regular dividends.
• Index funds-: track a particular market index such as the Standard & Poor’s 500 Index.
• Sector funds-: specialize in a particular industry segment.
4. Target date funds -: Hold a mix of stocks, bonds, and other investments. Over time, the mix gradually shifts according to the fund’s strategy. Target date funds, sometimes known as lifecycle funds, are designed for individuals with particular retirement dates in mind.

What are the benefits and risks of mutual funds?

Mutual funds offer professional investment management and potential diversification. They also offer three ways to earn money:

1. Dividend Payments -: A fund may earn income from dividends on stock or interest on bonds. The fund then pays the shareholders nearly all the income, and fewer expenses.
2. Capital Gains Distributions -: The price of the securities in a fund may increase. When a fund sells a security that has increased in price, the fund has a capital gain. At the end of the year, the fund distributes these capital gains, minus any capital losses, to investors.
3. Increased NAV -: If the market value of a fund’s portfolio increases, after deducting expenses, then the value of the fund and its shares increases. The higher NAV reflects the higher value of your investment.


A fund’s past performance is not as important as you might think because past performance does not predict future returns. But past performance can tell you how volatile or stable a fund has been over a while. The more volatile the fund, the higher the investment risk.

How to buy and sell mutual funds:

Investors buy mutual fund shares from the fund itself or through a broker for the fund, rather than from other investors. The price that investors pay for the mutual fund is the fund’s per share net asset value plus any fees charged at the time of purchase, such as sales loads.

Mutual fund shares are “redeemable,” meaning investors can sell the shares back to the fund at any time. The fund usually must send you the payment within seven days.

Before buying shares in a mutual fund, read the prospectus carefully. The prospectus contains information about the mutual fund’s investment objectives, risks, performance, and expenses.

Avoiding fraud:

By law, each mutual fund is required to file a prospectus and regular shareholder reports with the SEC. Before you invest, be sure to read the prospectus and the required shareholder reports. Additionally, the investment portfolios of mutual funds are managed by separate entities known as “investment advisers” that are registered with the SEC. Always check that the investment adviser is registered before investing.

Are mutual funds safe?

Mutual funds are a safe investment if you understand them. Investors should not be worried about the short-term fluctuation in returns while investing in equity funds. You should choose the right mutual fund, which is in sync with your investment goals and invest with a long-term horizon.

SCHIZOPHRENIA

N kavya

Schizophrenia is a disorder of the brain in which the person has lost touch with reality, and has symptoms like delusions, hallucinations, and bizarre beliefs. A person with schizophrenia has only one personality. The ‘split’ refers to the fact that their thinking, feeling, and behavior may not be consistent/congruent with one another (e.g., laughing while recollecting a sad story).

Schizophrenia sometimes can cause a person to behave violently, but not all with schizophrenia are violent. It is only a small minority of violent persons. Even these people are not violent all the time; they may become violent mostly when they are very ill. After a proper diagnosis and appropriate medication, a person with schizophrenia is no more or less violent than a person who does not have the disorder. Improved patients who are on treatment are no more dangerous than the general population.

Symptoms of Schizophrenia –:

The symptoms are classified into 5 types Behavioural, cognitive, mood, psychological, speech

1. Behavioural: social isolation, disorganized behavior, aggression, agitation, compulsive behavior, excitability, hostility, repetitive movements, self-harm, or lack of restraint
2. Cognitive: thought disorder, delusion, amnesia, belief that an ordinary event has a special and personal meaning, belief that thoughts aren’t one’s own, disorientation, mental confusion, slowness in activity, or false belief of superiority
3. Mood: anger, anxiety, apathy, feeling detached from self, general discontent, loss of interest or pleasure in activities, elevated mood, or inappropriate emotional response
4. Psychological: hallucination, paranoia, hearing voices, depression, fear, persecutory delusion, or religious delusion
5. Speech: circumstantial speech, incoherent speech, rapid and frenzied speaking, or speech disorder

• Also common: are fatigue, impaired motor coordination, lack of emotional response, or memory loss.
• Triggers may include:
• stress
• drug misuse
• chronic alcohol use

Causes of schizophrenia –:

1. Genetics
2. Structural changes in the brain
3. Chemical changes in the brain
4. Pregnancy or birth complications
5. Childhood trauma
6. Previous drug use

Can you prevent schizophrenia?

Researchers don’t completely understand what causes schizophrenia, there’s no sure way to prevent it. However, if you’ve been diagnosed with this disorder, following your treatment plan can reduce the likelihood of relapse or worsening symptoms.

Do People with schizophrenia need to be cared for in a hospital ?

Not all people with schizophrenia need to be hospitalized. The family can care for the person at home, by understanding the disorder and learning what kind of support the person needs, while diligently following the advice of the mental health professionals.

Is schizophrenia caused by bad parenting or abuse during childhood ?

Schizophrenia is not caused by bad parenting or abuse. The occurrence of schizophrenia is linked to the structure of the brain, and other risk factors: genetic, physical, emotional, and social. Adolescence is a period where some structural changes take place in the brain. One of the theories is that due to some faulty disruption that happens in the brain during adolescence, the teenager may be more vulnerable to developing the illness if other risk factors are also present.

When to seek help ?

If you believe you or a loved one is showing signs of schizophrenia, it’s important to seek immediate treatment.
Keep these steps in mind as you seek help or encourage someone else to find help.


1. Remember that schizophrenia is a biological illness. Treating it is as important as treating any other illness.
2. Find a support system. Find a network you can rely on or help your loved one find one they can tap into for guidance. This includes friends, family, colleagues, and healthcare providers.
3. Check for support groups in your community. Your local hospital may host one, or they can help connect you to one.
4. Encourage continuing treatment. Therapy and medications help people lead productive and rewarding lives. You should encourage a loved one to continue treatment plans.

Treatment –:

Treatment includes medications and therapies –:


1. Medications – Antipsychotic and Anti-Tremor
2. Therapies – Support group, Rehabilitation, Cognitive therapy, Psychoeducation, Family therapy, Behaviour therapy, and Group psychotherapy

Schizophrenia is a lifelong condition. However, properly treating and managing your symptoms can help you live a fulfilling life. Recognizing strengths and abilities will help you to find activities and careers that interest you. Finding support among family, friends, and professionals can help you to reduce worsening symptoms and manage challenges.

Bitcoin The Future?

N kavya

Bitcoin is a type of digital currency that enables instant payments to anyone. Bitcoin was introduced in 2009. Bitcoin is based on an open-source protocol and is not issued by any central authority. It is an electronic currency created back in January 2009. It is known to be decentralized electronic cash that does not rely on banks. It is possible to send from one user to another on the bitcoin blockchain network without the necessity for mediators. It is primarily used for sending or receiving cash through the internet even to strangers. Bitcoin is also known to be a new type of cash. It is predicted to grow at a rapid pace over the years, along with its value. It is typically purchased as an investment by numerous industries and people.


The central government typically handles bitcoins without specific rules, unlike dollars and euros. It is not owned by a country, individual, or group. Therefore, it reduces the chances of corruption and inflation.

History -:

The origin of Bitcoin is unclear, as is who founded it. A person, or a group of people, who went by the identity of Satoshi Nakamoto are said to have conceptualized an accounting system in the aftermath of the 2008 financial crisis.

Uses -:

1. Originally, Bitcoin was intended to provide an alternative to fiat money and become a universally accepted medium of exchange directly between two involved parties.
2. Fiat money is a government-issued currency that is not backed by a commodity such as gold.
3. It gives central banks greater control over the economy because they can control how much money is printed.
4. Most modern paper currencies, such as the US dollar and Indian Rupee are fiat currencies

Acquiring Bitcoins -:

1. One can either mine a new Bitcoin if they have the computing capacity, purchase them via exchanges, or acquire them in over-the-counter, person-to-person transactions.
2. Miners are the people who validate a Bitcoin transaction and secure the network with their hardware.
3. The Bitcoin protocol is designed in such a way that new Bitcoins are created at a fixed rate.
4. No developer has the power to manipulate the system to increase its profits.
5. One unique aspect of Bitcoin is that only 21 million units will ever be created.
6. A Bitcoin exchange functions like a bank where a person buys and sells Bitcoins with traditional currency. Depending on the demand and supply, the price of a Bitcoin keeps fluctuating.

Bitcoin Regulation -:

The supply of bitcoins is regulated by software and the agreement of users of the system and cannot be manipulated by any government, bank, organization, or individual.Bitcoin was intended to come across as a global decentralised currency, any central authority regulating it would effectively defeat that purpose.It needs to be noted that multiple governments across the world are investing in developing Central Bank Digital Currencies (CBDCs), which are digital versions of national currencies.
The legitimacy of Bitcoins (or cryptocurrencies)

In India -:
In the 2018-19 budget speech, the Finance Minister announced that the government does not consider cryptocurrencies as legal tender and will take all measures to eliminate their use in financing illegitimate activities or as a part of the payment system.
In April 2018, the Reserve Bank of India (RBI) notified that entities regulated by it should not deal in virtual currencies or provide services for facilitating any person or entity in dealing with or settling virtual currencies.
However, the Supreme Court struck down the ban on the trading of virtual currencies (VC) in India, which was imposed by the RBI.
The Supreme Court has held that cryptocurrencies are like commodities and hence they can not be banned.

Possible Reasons for the Rise in the Value of the Bitcoin -:

1. Increased acceptance during the pandemic.
2. Global legitimacy from large players like payments firm PayPal, and Indian lenders like State Bank of India, ICICI Bank, HDFC Bank, and Yes Bank.
3. Some pension funds and insurance funds are investing in Bitcoins.

Bitcoin Transaction -:

Bitcoin address is built from the public key. It is very similar as compared to an email address, anyone can check up and provide bitcoins. The private key is known to be identical to that of an email password since it is possible to send bitcoins with the help of remote access only. That’s why it is essential to keep the private key confidential or hidden. To send bitcoins, it is required to verify to the network that you acquire the private key of that particular address without the private key being revealed. It can be done with a specific mathematics branch referred to as public-key cryptography. The identification of the user possessing bitcoins is known as a public key. The public access and the ID number are very alike. For an individual to send you bitcoins, they require your bitcoin address. It is known to be another version of the public key that can be typed and read effortlessly.

However, the security concern of bitcoin is increasing day by day across the world. Since digital wallets are used to store bitcoins, they might be targeted by hackers as their value increases.

The problem of poverty in India

In India, poverty is presently estimated by fixing a poverty line based on a differentiated calorie-norm. This means that the level of poverty depends upon the capacity of a person to purchase food and a person who can buy specific amount of food to cross the poverty line margin for nutrients and calorie intake is above the poverty line. Whereas, the person who cannot buy enough food to meet the required nutrition value of calories and carbohydrates is below the poverty line. This level is not the correct parameter to check the level of poverty.

A task force of the Planning Commission in 1979 defined the poverty line as that per capita expenditure at which the average per capita per day calorie intake was 2400 calories in rural areas and 2100 calories in urban areas. Average per capita expenditures incurred by that population group in each State which consumed these quantities of calories, as per the 1973-74 survey of NSSO, were used as the poverty lines.

The debate on the extent of poverty in India has been a matter of global interest in the recent years. The primary reason for the global interest in the debate is that the levels of poverty in India and China have come to exert significant influence over the trends in world poverty itself.

Within India too, there has been growing contestation around poverty estimates, particularly in the period of economic reforms. First, there are persistent disagreements among economists on whether the rate of poverty decline after economic reforms was slower than in the preceding period. Secondly, the shift to targeted, rather than universal, welfare schemes has witnessed the use of poverty estimates to decide on the number of households eligible to access these schemes. The report of the Expert Group on the estimation of poverty, chaired by Suresh Tendulkar, is the latest input to the “Great Indian Poverty Debate.”

It is to be noted here that many subsidies and programs are launched by the government but these additional increments do not reach the actual people that are in need of them. Instead it is sent back to the businessman and thus a lot of profit is earned on these subsidized goods. Thus, to lower the level of poverty in India, schemes have to be launched in order to directly benefit the people in need.

The Hindu states that, “A final issue with the report, of much long-term consequence, relates to the wisdom of abandoning the calorie norm. It is indeed true that the levels of calorie intakes are not well correlated with nutritional outcomes. However, abandoning the calorie norm altogether and taking solace from the fortuitous fact that calorie intakes appear adequate at the new poverty lines is an arbitrary proposition. It is unclear whether there is any basis, theoretical or empirical, for this relationship to hold true across time.”

the Tendulkar Committee has pitched for a policy position that is stranded between the harsh realities of poverty in India and the fiscal conservativeness of a neo-liberal framework. The real challenge lies in preserving the positives from the report, and strongly persisting with the demand for a universal social security system.

– Ananya Kaushal

Top 5 venomous snake species

Snake are deadliest animal. Whenever one encounters it many get hurt or you can easily say they are dangerous to humans. They have aggressive nature. They are very dangerous especially for rural area people’s. There are estimated 3,500 snake species out of which 600 are venomous. Their estimated yearly attacks ranges from 53 lakhs to 54 lakhs, out of which more than 1 lakh people die due to their attack.

1) Inland Taipan

They are also known as fierce snake. They has the most toxic venom in the world. The average quantity venom give by this snake is 44mg while the most given is 110mg, which is enough to kill 100 people. Its venom consists of neurotoxins, Hemotoxins (procoagulants) affecting the blood, myotoxin affecting the muscles, nephrotoxins affecting the kidneys and hemorrhaggins causing hemorrhage. Its venom paralysis the body and cause hemorrhage. It is found in Australia.

2) Dubois sea snake

Dubois sea snake is also known as reef shallow sea snake. It is a species of venomous sea snake. Adult sea snake grows upto 4.86ft but usually grow upto 2.6ft. It is most venomous sea snake and one of the top three most venomous snakes in the world. The venom is lethal and contains neurotoxin that act on the nerve cell, myotoxins acting on muscles. The venom of this snake paralysis the respiratory system which ultimately cause death of the person. They feed on fish and swallow the whole fish. True incident of sea snake bite has not been recorded but they might have caused bite in rural area where taking record might not be possible. They are not aggressive but can bite if feel threatened or surprised. Fisherman’s are more likely to get trapped in their bites often when they try to remove them from fishing net. They are found in Australia, and some parts of Indian Ocean and Timor sea.

3) Eastern brown snake

Eastern brown snake or also known as common brown snake. This snake is highly venomous snake in the family Elapidae. Adult eastern brown snake goes upto 2m or 7ft. The venom of the snake mainly affects the circulatory system, coagulopathy, hemorrhage, cardiovascular collapse and cardiac arrest mainly the death occurs due to cardiac arrest. And one of the main components of venom is prothombinase which breaks down prothrombin. It is responsible for about 60% of snake bite death in Australia. They are native to eastern and central Australia and southern New Guinea.

4) Black mamba

Black mamba also belongs to highly venomous species of family Elapidae. It is second longest venomous snake after king cobra. It grows upto 2m (6ft 7in) and commonly grow to 3m (9ft 10in). Its colour varies from grey to dark brown and it’s species is both terrestrial and arboreal (found on trees). It is native to parts of Sub Sahara Africa. Its venom is composed of neurotoxins and it’s induce symptoms within ten minutes and is frequently fatal. This species of snake is aggressive but only attack when threatened or cornered. It constantly bites more than once and it’s bite derive 100mg-120mg of venom, the highest venom recorded is 400mg. It is considered as snake of medical importance by World Health Organization. Its venom if not treated on time will result in respiratory failure, cardiovascular collapse and ultimately death.

5) Boomslang

Boomslang snake is one of the venomous snake of family Colubridae Average adult Boomslang is 100-160 cm in total length and exceeds to 183cm. Colouration is very different like males are light green with black or blue scale edge while females may be brown. Their weight varies from 175 to 510 g. The Boomslang snake is able to open its jaws up to 170 degree when butting. It is found in sub Saharan Africa, south africa, Botswana and Namibia. Its venom is hemotoxin and disables coagulation process and the victim die as a result of internal or external bleeding. Its venom cause hemorrhaging in to tissue such as muscles and the brain tissue. Its venom is slow acting. This snake is timid and only bite if attempted to handle, catch or kill.

Top motivational quotes to awaken the beast hiding in you

Motivation is something that helps you grow. Not only from inside but also from all aspects, all ups and downs in your life, whenever you feel low why do you need motivation? Have you ever thought about it. Here, is the answer because motivation is something that helps you to grow, that helps you to be you, that makes you. It has the power to awaken the beast hiding inside you.

” Your perspective with either become prison or your passport.“

-Steven Furtick

” Realise deeply that the present moment is all that you ever have. “

– Eckhart Tolle

” How you love yourself is how you teach others to love you.“

– Rupil Kaur

” The Secret of your success is determined by your daily agenda.“

– John C. Maxwell

” Burn the past, Turn the page, Move on.”

– Safura Arsh

” Act as what you do makes a difference, IT DOES.”

– William James

” Excessive fear is always powerless.”

– Aeschylus

” A good Education is the foundation of better future.”

– Elizabeth Warren

” Between thinking and seeing there is a place called knowing.”

– Carolyn Myss

” You can’t build a reputation on what you are going to do.”

– Henry Ford

” Believe you can and you are halfway there.”

– Theodore Roosevelt

” Take care of your body, It is the only place you have to live.”

– Jim Rohn

” If you hear a voice within you say ‘ you cannot paint,’ then by all means paint and that voice will be silenced.”

– Vincent Van Gogh

” Ofcourse motivation is not permanent. But then, neither is bathing: but it is something you should do on a regular basis.”

– Zig Ziglar

” The only way to do a great work is to love what you do.”

– Steve Jobs

” It’s not the load that breaks you down, it’s the way you carry it.”

– Lou Haltz

” Nothing will work unless you do.”

– Mayo Angelo

” Do one thing everyday that scares you.”

– Anonymous

” If you are not willing to risk the usual, you will have to settle for the ordinary.”

– Jim Rohn

” When I hear somebody sigh, ‘ Life is hard,’ I am always tempted to ask, ‘Compared to what?’

– Sydney Harris

” Success is walking from failure to failure with no loss of enthusiasm.”

– Winston Churchill

” All progress takes place outside the comfort zone.”

– Michael John Bobak

” The only place where success comes before work is in the dictionary.”

– Vidal Sassoon

Here are some of the motivational quotes that if you implement in your lives will be successful for sure. Motivation will help you to achieve all your goals and so are these quotes.

Affordable places to visit in india

India the land of culture, heritage, devotion and beauty. There are many beautiful places to visit in India and we cannot talk about all places in this article. So, here are 4 affordable places to visit. If you are travel lover then this is great for you all.

1) Goa

Goa is one of the cheapest country to visit. Alcohol is also very cheap here. You can have unlimited fun and crazy party all night and can even return with full pocket. The best time of the year to visit is October to March. Must visit places to visit is Calangute Beach, Fort Aguada, Dudhsagar falls, Anjuna beach. Goa is also known for its cruise and its water sports. You can check many websites for price. Average 4 days/ 3 Nights will cost you around 12,000 per adult on twin sharing with many amenities.

2) Nainital, uttarakhand

Nainital is famous for its misty lakes and mountains. Nainital is very beautiful hill station. It is also known for its cheap hotels and meals. You can do boating here at barely any cost. The area of interest lies in its name which it has gotten from the eye shaped Lake the Naini Lake thus due to this eye shaped Lake it’s called Nainital. Must visit places include Naini Lake, Tiffin top, Snow view point, Mall road, Eco cave gardens and High Altitude zoo. Average 3 days/ 2 Nights will cost you around 4,500 Rs per adult on twin sharing with other amenities as well. It can be seen that how much affordable is this place. Best time to visit is throughout the year.

3) Udaipur, Rajasthan

Udaipur also know as city of lakes. It is also called as Venice of East. It is also termed as jewel. It has abundance of natural beauty, awesome architecture and breathtaking temples. Must visit places include Lake pichola, City Palace, Fateh Sagar Lake, Jaisamand Lake, Sajjangarh palace, Jagdish temple. In addition to this it cost very less on average 6 days/ 5 night stay cost you around 17,700 INR per adult on twin sharing. Best time to visit is from October to March.

4) Darjeeling, West Bengal

Darjeeling also know as Queen of Himalayas, has jaw dropping and mesmerizing sunrises, the breathtaking beauty of the hills, the charm of past and all those beautiful smile of beautiful people. It is one of the most appealing hill station. And all chai lovers it offers best quality chai. Hotels and lodges are at reasonable price and it’s also cheap. Must visit places include Darjeeling Himalayan railway, Tiger hill, Batasia loop, Himalayan mounteering institute, Darjeeling ropeway and Nightingale park. Average 4 days/ 5 nights will cost around 8,375 Rs per adult on twin sharing. Best time to visit is from February to March and September to December.

So these are the places that have jaw dropping and breathtaking beauty. Apart from this they are also very affordable and hence you can easily visit with low money in your pocket. You can even check rates on different websites and there you may can get offers too. Hope you all like it.