Thursday, February 22, 2018

How to Save Your Hard Earned Money? #SUPERBLOGGERCHALLENGE2018

How to Save Your Hard Earned Money?

Money is very important for our survival on planet and to maintain all our requirements and needs, we need money. The paper currency is of utmost importance in our life, you can’t buy any materialistic things in the absence of money.

When we debate on the topic, “importance of money” there are varied opinions and many disagree that Money is not everything and we can live without money. This is an emotional outburst, far away from the facts.

Watch a day in your life and see what you can fetch without Money…Only real happiness and contentment cannot be bought with money.

In today’s life, even we have to spend to purify air, use water and buy greens for greenery around….the height is we have to even buy soil for our garden…nothing comes without money.

So, we need to have savings for ourselves, to meet unexpected situations, critical illness, child education and retirement life…and even for beautiful experiences such as travelling to exotic places, experiencing beautiful moments of life, buying expensive gifts for loved ones and house renovations or getting a luxurious car.

If you plan your finances well, you can achieve your accidental and intentional goal, without being in debt.

Plan Monthly Expenses: 

Plan your monthly expenses before venturing for shopping and allot a budget to meet your ends. Put a stop to compulsive which most people indulge in due to shopping in malls and marts. The display and attractive discounts lures the customers. Buy what you need and don’t go after discounts for the articles that you can do without or you don’t need at all.

In children education, you cannot reduce much but other superfluous expenses can be curtailed to save for the future.

I don’t know how many will agree with me, but it’s a fact that a fat bank balance boosts your confidence and you are ready to face the reality of life or to enjoy in your leisure time.

We all know that drop by drop, ocean is formed and in same way, we can save few for our regular savings.

Start Saving from Today

1.  Systematic Invest Plan

Invest in SIP every month. You can start SIP with your bank account and the amount can be from 500 to any amount that you are comfortable to part with every month. The results are marvellous if you go for long term investments. The amount is invested in Mutual Fund units. There are different SIP’s of different companies and you can invest in any of them. If you want to have an idea of the results, study historical data or discuss with your financial planner.

2.  Invest in Health Insurance

Good health is vital and a visit to doctor for diagnosis and investigations subtracts good amount from our purse. Go for a health insurance for the family which covers all the members of the family. The health coverage is essential to meet the needs in urgency and planned hospitalization. Compare different health insurance and invest in them which has comprehensive coverage, reasonable premiums and no claim bonus.

3.  Term Insurance:

Term insurance is a must for the working people irrespective of gender because it secures the future of your family if you meet with an accidental death. The earlier you start, lower the premiums. In case of adversity, your standing loans will be covered by the term plan and your family and kids will get a sum to lead their life and continue education. The limit of coverage is proportionate to your income and you require to continue till full length of your service. It is renewed every year and the premiums are annual.

4.  Shares & Bonds

Put a part of your investment in shares and bonds that you don’t require in emergency, because share market is unpredictable, so never put emergency funds into it. The same goes for bonds because bond investment is for long run and the returns are low but the instrument is safe. Shares are volatile, it can give good returns provided you have the patience not to liquidate when market goes in bearish phase. Investment in shares and bonds are attractive but you require patience to withstand the volatility of market.

5.  Mutual Fund Investment

There are various schemes of mutual funds for investment. Choose the one that suits your profile and be ready for long term because gains can be enjoyed only in long term investments. Study historical data and company information, before putting in the money. Take help of a financial planner if you are not able to understand the strategy of investment.

6.  Fixed Deposits

You require ready money in bank accounts to meet your extra expenses or for use in distress. Park the money in FD instrument, it gives good and certain returns on the investment and you can choose any scheme with time span from 60 days to any length that suits you.

7.  Gold Investments

Many people take gold investment as dead investment but been an Indian, gold investment attracts and you can invest some part in gold every year. Gold will accumulate to use in the weddings of your children or if afflicted by bad times, you can get a loan on the mortgage of gold. The practice of gold mortgage is not welcomed in Indian society, but it saves you in hard times.

To inculcate saving habits in kids, inculcate habit of investing in piggy banks.

What I do for the savings

I invest in SIP & MF and health and term plan are in force. Annually, I invest some extra amount in gold. I run recurring deposit in bank to meet the renovation need of the house or for going on a tour with family and friends. RD investment does not make holes in my purse and it does not burden me with one time huge investment.

Try these skills and save your Money.


Remember, money is not easy to earn and the same goes for investment. Easy investments don't give much appreciation, long term goals give higher appreciation ans security.


I am not a financial analyst and the information that I have shared is from my personal experience.

Note: This is written for the #SuperBloggerChallenge2018 #Instacuppa hosted by and The challenge is from 15 Feb – 26 April 2018. 

#SuperBloggerChallenge2018 #Instacuppa

Wednesday, February 21, 2018

Meet the ENDS and not ban them



The World Health Organization Global TB report 2016, states that India accounts to a whopping number of 2.8 million of the total 10.3 million new TB cases globally. Moreover, research also states that deaths caused by oral cancer in India, cross over 10 lakh annually. These numbers are alarming, India, is at the brink of a health care crisis while under nutrition could be the major cause for the TB endemic, the increase in the consumption of tobacco cannot be ignored. With every passing budget the Finance Minister announces a hike in the excise duty of tobacco and related products. In 2017, pan masala products, containing tobacco or gutkha the excise duty had increased to 12 percent from 10 percent while for other unmanufactured tobacco it raised to 8.3 percent from 4.2 percent earlier. The excise duty on non-filter cigarettes of length not exceeding 65 mm had been raised to Rs 311 per thousand from Rs 215. In 2016, the government had increased the excise and customs duties on cigarettes by 9 per cent.  This year tobacco and related products were placed in the highest GST bracket of 28 percent plus a 5 percent cess on tobacco and related products. Apart from this, in the past few months there has also been a debate on the packaging warnings that are issued on the cigarette packs.

But the real question here is, do these measures have a substantial impact on the sale and consumption of tobacco or related products? Tobacco consumption has emerged as a major health problem in India, along with diabetes and cardiac diseases. The high amount of nicotine and chemicals in traditional cigarettes are addictive and makes it almost impossible for one to quit. The need of the hour is to look at an alternative that will help addicts wean off the habit and eventually quit smoking. Vaping, should be considered as an alternative in this endeavor.

In a recent step against cancer-causing substances, Tobacco Control Division of the Union Ministry of Health and Family Welfare has circulated a notice to withdraw the amendments of Cigarettes and Other Tobacco Products Act (COTPA), Bill 2015 from the public domain for modification. The new expected modified amendments will include action against promoting E-cigarettes / Vaping devices. “The government and ministry should look at vaping with a holistic approach and not jump to conclusions without proper research. We believe that regulation of ENDS will provide 120 million smokers access to technology that can create the difference between life and death for them. A blanket ban is not a solution, but a violation of fundamental right to choose better and safer alternatives over smoking,” said Nilesh Jain, founder,

Vaping is considered as a harm reduction tool, according to experts. Vaping is an act of inhaling and exhaling the vapor produced by an electronic device—a battery-operated device which vaporizes a flavored liquid made of propylene glycol, glycerin and flavorings. In the month of November launched a campaign #nosmokenovember and received several testimonials from customers who shared their experience and spoke about the change that they experienced as they shifted from smoking cigarettes to vaping. The also participated in a health and wellness expo. This was the first time a vaping brand was a part of such an event where even doctors, nutritionists and fitness enthusiasts were curious to know about the benefits of vaping. “We believe that the awareness about vaping in India is bare minimum and banning it will only escalate the problems that the government is already facing. The products will be sold illegally and the product quality can also be compromised. Currently all the products we are selling are ISO certified,” added Jain.

If we look at the US, the FDA policy is working on shifting the focus from tobacco to nicotine and working towards a far-reaching impact on public health. Evidence demonstrates that alternative products designed to reduce harm have a place in helping people's health outcomes immediately. Clearly, more research needs to be done to validate harm reduction especially in India, which has a huge tobacco burden and where access to public healthcare is minimal at best. Making the role of preventive measures is even more critical. Indian regulators and the health ministry must also take a step towards new policies and encourage harm reduction alternatives, the public health benefits can be unprecedented.

Gionee adds more smiles to the Smile Squad initiative


Gionee adds more smiles to the Smile Squad initiative; Offers top performing devices in an attractive price range!

Smile Squad observed participation from brand loyalists across 28 cities

India, February19th, 2018: With the onset of New Year, Gionee India, country’s leading smartphone player to strengthen its pledge to add cheers amongst its users today announced significant special prices on a range of devices. In the light of the recent budget announcement of a custom duty hike, while brands are rearing to jump the prices, Gionee on the other hand for its brand patrons and users is offering its products at steal-away price points

Against the backdrop of the recent restructuring process announced by Gionee India, the value proposition offering a varied price range on an array of devices is the first step by the brand to add more cheers to its loyal user base. This value addition is also an extension of the Smile Squad initiative which is an exclusive community of Gionee users formed with an objective – to spread smiles and enrich the lives of brand loyalists with exciting goodies and gifts. The program has enabled Gionee to reinforce the brand philosophy to spread smiles and stay true to their commitment

The campaign commenced on December 10th, 2017 has been extended till 28th February from 31st January, given the overwhelming response to the initiative. With every new Gionee purchase all customers, existing and new, get a chance to win bumper prizes such as couple trips to Thailand or brand-new bikes. Additionally, a customer also gets a scratch card with an assured discount coupon of up to Rs.500; redeemable on the next purchase or, gets a chance to win exciting gifts like gold coins and Gionee smartphones. Gionee India has recently felicitated winners with brand new bikes from Chennai, Ahmedabad and Bhatinda and looks forward to further enthusiastic participation in the days to come.

For further information please visit:

About Gionee India:
Gionee established its operations in India in 2012 and is headquartered in New Delhi. The company has a patron base of 1.25 crore in India and over 6% market share of the Indian smartphone market. Gionee manufactures all devices for the Indian market in India. The company today has a presence in over 42,000 retail outlets across 2200 cities in India. Guaranteeing a turnaround time of 72 hours to its customers, Gionee has invested in 555 exclusive service stations with plans to expand to 600 enhance its after sales relationships with the customers.

For more information, please contact:
Atul Malikram@9755020247

Sunday, February 18, 2018

Saregama Carvaan launches its Bengali variant – Carvaan Bengali!

Press Release:

February 2018: Saregama launched its popular product Carvaan last year. This retro looking radio-like device with 5000 evergreen Hindi songs inside and a host of other features like USB, Bluetooth and FM radio, has proved to be a game-changer in the digital driven music industry. Based on the consumer feedback, Saregama has decided to extend Carvaan to regional music also. After launching the Tamil language variant, Saregama is now leveraging their rich repertoire of Bengali music, with the launch of Carvaan Bengali.

The digital audio player with in-built speakers, and a host of features like Bluetooth, USB and FM radio, comes with 5000 pre-loaded songs: 4000 from legendary artists from Bengal, cutting across different genres, and 1000 of the most evergreen melodies of Hindi music. The Bengali collection has among other songs, a huge catalogue of authentic Rabindra Sangeet and Nazrul Geeti. With the launch of this variant, Carvaan Bengali is all set to enter the local Bengali households – and talk to the quintessential BhadralokBengali customer, who is well versed with Bengali music across genres.

The songs are curated through extensive Big Data analytics that run nearly 17 billion data points that are generated annually every month across all Saregama platforms. Featuring Rabindra sangeet from stalwarts of the genre like Suchitra Mitra, Sagar Sen, Shraboni Sen and Sumitra Sen, and songs of icons like Hemanta Mukherjee, Manna Dey, Arti Mukherjee, Kishore Kumar, LataMangeshkar, R. D Burman, ShyamalMitra, Bhupen Hazarika, Nachiketa Chakrobarty and such like are included. These are then categorized into artists, moods and a special category called Tagore, which the listeners can shuffle between, simply by turning a jog- dial.

Carvaan Bengali also doubles up as a FM radio and lets the listeners enjoy their personal music by plugging in a USB drive or via connecting their phones via Bluetooth.  It comes with a long lasting battery life and lets the listeners enjoy up to 6 hours of uninterrupted music. The product comes with a 1- year doorstep warranty support backed by an all India service network. Porcelain White in color, the classic retro look in addition with its rich content, convenience and utility, makes Carvaan Bengali a perfect gift for your loved ones.

Vikram Mehra, Managing Director of Saregama India says, “Saregama holds one of the largest catalogues of Bengali music in its library. Carvaan Bengali is our ode to the rich musical heritage of Bengal. We hope it will capture an essential place in the hearts of the discerning Bengali arts and music lover."

Priced at 5990, Carvaan Bengali can be purchased from 8th February, 2018 onwards. It is available online on and all major e-commerce websites like Amazon, Flipkart and Paytm. It is also available in all leading electronic outlets.

Price:Rs 5990/- for Porcelain White

Available at: and And in all leading e-tail chains and your nearest electronic store.

About Saregama India:

Formerly known as The Gramophone Company of India Ltd, Saregama owns the largest music archives in India, one of the biggest in the world.  The ownership of nearly 50 per cent of all the music ever recorded in India also makes Saregama the most authoritative repository of the country’s musical heritage. Saregama has now expanded into other branches of entertainment – it is involved in publishing.

सुष्मिता मुखर्जी के नाटक 'नारीबाई' का मंचन 28 को !

इंदौर। अभिनव रंगमंडल द्वारा 28 फ़रवरी को स्थानीय आनंद मोहन सभागृह में जानी-मानी फिल्म और टीवी अभिनेत्री सुष्मिता मुखर्जी के नाटक 'नारीबाई' का मंचन किया जा रहा है। राष्ट्रीय नाट्य समारोह के तहत इस नाटक का मंचन इंदौर के साथ उज्जैन में भी किया जाएगा। बुंदेलखंड की एक बेड़नी (वेश्या) और एक ब्लॉग लेखक के साथ एक महिला सूत्रधार से जुड़े इस नाटक की लेखक, निर्देशक भी सुष्मिता मुखर्जी ही हैं। सुष्मिता ने बताया कि नाटक में एक औरत की व्यथा कथा को दर्शाया गया है। नाटक 'नारीबाई' एक सोलो एक्ट ही और सच्ची कहानी पर आधारित है। इस नाटक में अंग्रेजी और ब्रजभाषा का मेल दिखाया गया है। इसमें सुष्मिता मुखर्जी ने अपनी स्कूली दोस्त सुनयना की जिंदगी को दर्शाया है जो बहुत पढ़ी लिखी और अमीर है। उसका पति उसे वेश्या 'नारीबाई' पर नॉवेल लिखने को कहता है। सुनयना अपनी अमीरी छोड़कर उसके कच्चे घर में जाकर रहने लगती है। उसे वहां काफी गंदा माहौल दिखाई देता है। वहां रहने वाले लोगाें और बातचीत के तरीके को भी वो करीब से देखती हैं। ये सब सुनयना अपनी कहानी में लिखती हैं। इसके साथ ही 'नारीबाई' की जिंदगी की परतें खुलनी शुरू होती हैं। इसके बाद एक औरत और बाजार के बीच का रिश्ता और इंसान से सामान बन जाने की कहानी जन्म लेती है। इस नाटक की प्रस्तुति मुंबई की नाट्य संस्था 'नाटक कंपनी' ने की है।  

  ‘करमचंदमें पंकज कपूर के साथ किटी का किरदार निभाकर शोहरत बटोरने वाली अदाकारा सुष्मिता मुखर्जी पिछले तीन दशकों से एक्टिंग की दुनिया में है।

टीवी सीरियल 'करमचंद' में पंकज कपूर के साथ किटी का किरदार निभाकर शोहरत बटोरने वाली अभिनेत्री सुष्मिता मुखर्जी को लोग आज भीकिटीके नाम से ही पहचानते हैं। किटी यानी सुष्मिता मुखर्जी का अपना एक दर्शक वर्ग है। दर्शकों ने सुष्मिता को निगेटिव पॉजीटिव हर तरह के किरदारों में हमेशा पसंद किया गया है। अब वे फिल्मों और टीवी सीरियल्स के साथ स्टेज पर भी अपनी प्रस्तुति देने के लिए समय निकलने लगी हैं। इंदौर और उज्जैन में वे पहली बार अपनी संस्था 'नाटक कंपनी' के साथ रही हैं।