From Traditional Savings to Smart Investing: My Journey with Mutual Funds

 My savings were all traditional. Insurance was thought to be a great savings plan in the early days. A lot of investment was made that way. My other investments were in Fixed Deposits (FD) and Provident Funds (PF) in my early career days. I did not know any other way of saving beyond this. It was then that I came to know about US 64 Mutual Fund. As there was no computer, internet or other facilities like today, it was from some news in a newspaper or magazine. Then came SBI and other financial institutions with mutual fund investment. After 1993, many mutual funds came, but some did not give the intended benefits. Some wrong selections on my part also contributed to it. Since 2000 I have steadily increased my investments in mutual funds. I studied various plans well and made investments. Today most of my investments are in mutual funds. SIP takes care of not getting stuck and adding a fixed percentage every year.

Everyone has their own financial needs and goals. Therefore, the method of earning will also be different. You may want to own a house or a car or pay for your children's higher education or get a pension after retirement. These can be short-term, medium-term and long-term goals. These goals determine the amount of savings you should accumulate and how you should invest it.

Also, traditional investments may not live up to our expectations due to rising inflation and other costs. This is where investing in mutual funds comes in handy. Whatever the objectives, mutual funds are there to fulfill them. Whether you are a conservative or aggressive investor, have short-term, medium-term and long-term goals, whether you want to invest small or large amounts, mutual funds have something for everyone. Different types of mutual funds with different investment objectives can be used to reach your goals. It is the choice that matters most.

Thus, mutual funds become an important step towards achieving financial goals. Remember, mutual funds are always good for those who choose the most suitable fund and invest in it with precision.

Cruelty to loved ones?

 Raising a pet can bring us joy and act as a therapeutic method to relieve mental tension. Dogs, cats, parrots, and other animals are common pets. While cats are usually allowed to roam free, birds are kept in cages, and dogs are often chained up. Caged or not, no other creature adores humans more. Their love is unbounded. For dogs, their universe revolves around their masters. Humans are responsible for treating our pets fairly and not causing them pain or discomfort.

Unfortunately, some people keep their pets alone, denying them the opportunity to communicate and share their instincts with others. This is a cruel practice, as pets need companionship and a dignified life. Castration is sometimes used to change a pet's behaviour, even by those who claim to love their pets. This is a form of cruelty that should not be allowed.

As pet lovers, we are responsible for ensuring that our pets live happy, healthy lives. If you cannot afford to have more than one pet, it is better not to have one at all. Let's work together to create a world where pets are treated with the respect and compassion they deserve.

Kill, with kindness.

 Eating fish is very common. Even some vegetarians secretly eat fish. Many delicious dishes are made from fish. But sometimes fishing turns into a wild pastime. Fish would say this if they could talk to us.

Here it refers to the method of catching fish with bait. With a very sharp metal bait, the fish catches any prey it likes. The bait is then pushed around in the water to catch the attention of the fish. The fish devours this prey, mistaking it for food. The sharp bait tears the fish's tongue during this effort.

Sometimes it is not only the tongue, but the fish's jaw also opens and the bait comes out. What cruel fishing this is. Kill it, but why hurt the fish mortally? Don't you want an end to this?

Those who go on trips may also have bait in their hands. Someone recalls baiting while having fun near the sea. ie Remember to bait only when everyone is happy. See how much this behaviour that promotes us harms that dumb animal. They may catch large fish by hooking living tiny critters or fish. Cruelty, is your name human?

A person makes the decision on what to eat. But consider how much anguish other species go through for that. Not that you should stop eating fish, but you should kill and consume them with care and kindness.

YAKSHI

Yakshi are all terms for fictitious female beings that can take on human form and terrify people. However, they are not actually true.

Yakshi is thought to be a class of otherworldly creatures. Yakshi is described in the Puranas as companions of Mahalakshmi, the Goddess of Wealth, and the female form of Yaksha. According to an ancient myth, Yakshis are both the saviours of individual locations and the saviours of temples. For this reason, Yakshis are positioned as a deity next to the goddess in the sub-deity notion in old Kerala goddess temples. Fairy

Some folks assume that the various living things and supernatural entities found in our cosmos, which also includes the earth, include gods, asuras, yakshas, humans, demons, gandharvas, Apsaras, and nagas from the Puranas. Many of these are claimed to resemble humans in terms of appearance yet possess magical abilities and superhuman strength. The ruler of the Yakshas is Ravana's older brother Vaishravana, also known as Kubera. They have great wealth. Nagayakshis are the female names for Nagas. They are also Keralite idols. The male classes of yakshas are also referred to as Gandharvas.

It is believed that everyone who is not human has the capacity to travel to any of the fourteen worlds, including heaven and hell. Only people who have died can enter this place!  Your require assistance from someone if you wish to travel safely.many are familiar with the legend of the Yakshis and the marriage of Shivaparvati.

Mahalakshmi was in charge of making Goddess Parvati ready for her wedding to Lord Shiva in the Himalayas, as well as other tasks. The yakshis, who served as the goddess Lakshmi's attendants, were instructed to go to away places and bring back holy items. The yakshis who travelled to Kerala stayed there fascinated by the area's stunning natural surroundings. They were reminded of the goddess's mandate near to the time of the marriage . They stayed in the goddess shrines nearby, out of concern that if they were late, Goddess Lakshmi would curse them. According to a legend, Yakshi Pratishtha is present in the majority of our temples for this reason.

Some cultures revere and venerate young ladies who have died at the hands of noble men, especially pregnant women, as Yakshis. Temples are also present in various locations. One could argue that those who did not receive justice while they were living are granted it, once they pass away. Yakshis from television shows and movies aren't ghosts with their hair pulled back terrorising us like they did when we were kids. They all have a Goddess Lakshmi counterpart, but not a Goddess Shakti counterpart. It is really lovely.

The reason for giving the yakshis a scary look is that some intelligent priests and temple administrators should have spread the word that there are yakshis in that area and they will catch people and eat them so that the ornaments and valuables kept in the temple are not stolen. Anyway, that's it. Some of us still believe in fairies in this century.

 

 

 

 

Malabar Express- The ugly face of Southern Railway

 How do customers feel when dealing with India's largest public sector organisation? Charges might go up or service might get worse. There are other approaches like this. Are you interested in knowing how Indian Railways penalize its 2A passengers? Perhaps determining whether a Z-shaped spine bend is possible in the passengers. Otherwise, it might deter people from reserving a side lower berth. It is a ‘stunning’ experience to travel 14 hours in the 16630 Malabar Express from Kerala's northernmost to southernmost locations. We might be shocked to discover a security measure put in place by the railways to keep travellers awake at night. Cannot be certain.

The side seat's reclining sides are straightened and transformed into a sleeping bed. In essence, it consists of two elements. Naturally, you can rest soundly if these parts are on the same level. The Malabar Express's 2A class carries the highest fare. The side-lower bed has a 5.5 cm height difference between the two halves. In other words, there is a 5.5 cm variation in level when a passenger is lying down. If this is a regular change, there won't be a problem. However, a sudden change of 5.5 cm with protruding metallic elements and a space between two parts keeps the passenger on edge constantly.

Travelling became difficult for me, who is on the wrong side of the fifties. A young man sat next to me. His hair has grown long, and he is wearing a new shirt. One who thought it was cool to grow his hair long. He appeared to enjoy the journey. He spent the evening eating chapattis and staring at his phone. He might not be aware of the difficulty in the seat because I had adjusted it to the maximum. He was nowhere to be found when dawn broke. He must have gotten off at a station late at night.

Indian Railways makes extensive use of cutting-edge technologies. Its signalling system is supported by a highly advanced technical backup. All of this is done to ensure that the passengers have a safe and enjoyable trip. For the aforementioned seat issue, a screwdriver is all that is required. Putting the coach attendants and their managers in this seat, make them also feel "comfortable." The officers who transfer money to contractors without performing any work ought to be restrained to such beds. Let them encounter these "comfortable" as well. Missing such things while investing tens of millions in renovating the trains is reckless.

#malabarexpress #southernrailways #indianrailways #acinsouthernrailway                                                                                                                                                                                                                  #travelintrain

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COVID COUPLES

 He did appear in the first wave of Covid, exhausted. It's clear from his stomach that he hasn't eaten anything for a long time. In a matter of days, we became friends. He began to notice me in the distance. He was constantly lying near the gate. As soon as the gate is opened, he will enter with authority. We became friends who never returned to the street after being fed or full. I began buying him special foods. In the meantime, a few stores have opened. He moved to a nearby hotel for a better life. Maybe they liked him as well. All I want is for him to be able to eat wherever he wants in the world. As soon as I get close enough to where he's lying, he'll come closer and smell me. He is now a full-fledged ‘employee’ of the hotel.

 

 She appeared in the midst of the omicron wave. Her stomach was empty and hanging down. She eats very little. I discovered that one of her eyes is blind. This is most likely a bite from another dog. I've been feeding her for about 2-3 months. Her fears, however, have not changed. She usually runs, eats, and runs back. It will take some time to adjust. Occasionally, we are joined by her 2-to3 friends. It's a trying time for me and she is never fed on those times. She can only keep an eye on what they eat. I put her inside the gate and fed her and the remainder to her friends.

 She would appear whenever I rushed out the door to go somewhere. If she's hungry and I'm not in the mood to go anywhere. I've been feeding her for about 2-3 months. Her fears, however, have not changed. She runs, eats, and then runs back. Is this world and its food only for humans? Not at all. Every living thing has the right to live, eat, and lead a decent life.