Saturday, December 22, 2012

Beware!watching too much TV can cause early death
More than two hours of TV viewing per day increased risk of type 2 diabetes and cardiovascular disease,and more

than three hours of daily

viewing increased risk of

premature death.
we should not only promote 

increasing physical activity

levels but also reduce

sedentary

behaviors,especially

prolonged TV watching.
Most people around the world

divided their day largely

between work,sleep and watching

 television,according to the

researchers.

 

Thursday, December 20, 2012

          All it takes to become a crorepati is your                                     salary
 
Managing money is really and truly not only about managing money.
No matter what people say,it is not impossible to become a crorepathi with your regular income if you plan and invest correctly.The three main aspects that can make it possible are:
Amount of your investments
Rate of return
Time horizon of your investment
What you need to do is to be a little disciplined with your savings and then invest your funds in the right instruments to get your big returns.If you can save at least 5000 rupees a month or 50000 rupees a year ,with right investments,you can become a crorepathi within 25 years.


Amount of your investments

 
Your returns will depends on how much you can save to invest and where you invest it.remember,in most instruments,the higher the investment s,the higher the returns.with the help of the following ,you will understand how even a small rise in your investment amount can drastically increase your returns.

                             Amount invested               Total investment      Amount after 25 years
                      per year with 12% of return
                           
                               25,000                         7,50,000               73,53,000
                                
                               75,000                        15,00,000             1,47,00,000
                          
                             1,00,000                        30,00,000             2,94,00,000
Rate of return

The rate of return you get per year is what that determines how fast your money will grow.The higher the rate,the more money you will make after a stipulated time .Your targets should be to find an investment option that will give you the highest returns.However,with higher returns come risks,hence,you need to decide how much of a risk you are willing to take.returns on absolutely low risk investments will be much lower than risky instruments.
According to experts,asset allocation workd best to maximize returns and minimize risk .Distribute your investments in high risk investments such as stocks and commodities and low-risk investments such as bonds,gold and fixed deposits to get the best results .this way,even if one asset class suffers,the other will make up for the losses.

Time horizon of your investment

The longer your money is invested, the more it grows in value.Investing for a longer period means that your invested money will be reinvested which will add higher returns to your account.So if you start early,you will see your money grow significantly over time.

So start early and steadily to become a
crorepathi