Some very important financial tips that everyone should know

Some very important financial tips that everyone should know ….

1. Avoid buying property on loans as it eats most of your earnings unless you have a clear plan for its repayment. It’s important to monitor cash flow. Though, the house will be your asset, your liability will be much more.

2. Start a SIP at a very young age. Try to save atleast 15–25 % of your earnings.

3. Avoid buying a car unless you use it everyday.
.
4. Do not let this sentence scare you. “Mutual fund investment are subject to market risk. Please read the offer documents carefully before investing”. Most people avoid investing in mutual funds just because of this one warning. Yes, there is a market risk, but look at the history and growth of mutual funds.

5. Try having a simple wedding.

6. Atleast 20% of your wealth should be liquid so you can utilize it when necessary.

7. Considering inflation, you are actually losing money if it is in savings bank account. Do not keep huge money in savings bank account.

8. If you invest in stocks, pay due attention.

9. If you invest in stocks have a separate account for delivery investment and Intraday investment. It is easy to monitor this way and also makes tax calculation easy

10. Do not have a belief that property and car make you rich. Its what you save and invest, that is important.

11. Never invest in insurance for returns. Insurance is not an investment option. It is a risk management tool.

12. Never use credit cards for lavish spending. Use credit cards intelligently and for needs not for wants.

13. Cancel all credit cards before you die. Or inform family about all your accounts, credit cards, loans and saving now itself. Even a small residue will cost your family much.

14. Invest on yourself and then on other investments.

15. Always try to balance your earnings with your savings first, then on spending and loans. Never take unnecessary loans. Always have reserve and utilise them and unless no other go never take loan.

16. Always have a plan for future events on your career, life, spending and finance.

17. Always have a reserve on your savings for contingency and urgent situations.

18. Your personal life and health are the most important investment. Do have a regular health check and do healthy workout every day. Stay healthy and live happily.

MEDICAL ALERTNESS:: PLEASE SHARE THIS WITH FAMILY AND FRIENDS, IT’S VERY IMPORTANT AND CAN SAVE SOMEONE’S LIFE.

MEDICAL ALERTNESS::

PLEASE SHARE THIS WITH FAMILY AND FRIENDS, IT’S VERY IMPORTANT AND CAN SAVE SOMEONE’S LIFE.

A group of Japanese Doctors confirmed that warm water is 100% effective in resolving some health problems such as:-

1 Migraine

2 High blood pressure

3 Low blood pressure

4 Pain of joints

5 Sudden increase and decrease of heartbeat

6 Epilepsy

7 Increasing level of cholesterol

8 Cough

9 Bodily discomfort

10 Golu pain

11 Asthma

12 Hooping cough

13 Blockage of veins

14 Disease related to Uterus & Urine

15 Stomach problems

16 Poor appetite

17 Also all diseases related to the eyes, ear & throat.

18 Headache

*HOW TO USE WARM WATER*

Get up early in the morning and drink approximately 4 glasses of warm water when the stomach is empty. You may not be able to make 4 glasses at the beginning but slowly you will.

*NOTE:*
*DO NOT* eat anything 45mins after taking the water.

The warm water therapy will resolve the health problems within reasonable period such as:-

✔ Diabetes in 30 days

✔ Blood pressure in 30 days

✔ Stomach problems in 10 days

✔ All types of Cancer in 9 months

✔ Blockage of veins in 6 months

✔ Poor appetite in 10 days

✔ Uterus and related diseases in 10 days

✔ Nose, Ear, and Throat problems in 10 days

✔ Women problems in 15 days

✔ Heart diseases in 30 days
✔ Headache/migraine in 3 days

✔ Cholesterol in 4 months

✔ Epilepsy and paralysis continuously in 9 months

✔ Asthma in 4 months

*COLD WATER IS BAD FOR YOU!!!*
If cold water does not affect you at young age, it will harm you at old age.

* Cold water closes 4 veins of the heart and causes heart attack. Cold drinks are main reason for heart attack.

* It also creates problems in the liver. It makes fat stuck with liver. Most people waiting for liver transplant are victims of cold water drinking.

* Cold water affect internal walls of the stomach. It affects the large intestine and results in Cancer.

*PLEASE DON’T KEEP THIS INFORMATION TO YOURSELF*

Tell someone to tell someone, *IT MAY SAVE SOMEONE’S LIFE.*

From:
Dr. D. Mensah-Asare

This is the true story of three friends

This is the true story of three friends

First one was brilliant ,never gave up the first position in his school . Topper in every exam held in School, College and the University.

Second one was average , wouldn’t fail but pushed to the next class by default.

Third one was a trickster , a cheat and was an expert manipulator.

But these three were great friends , thick as thieves.

Once their education was over…..

The first one , the brilliant guy as expected became an excellent engineer. He gave Indian Engineering Services exam, was chosen as Class one officer. He became a Chief Engineer in Indian railways later.

Second one  graduated with Physics major and appeared for Civil Services exam, passed and was appointed as the head of the department (HoD) where his first friend was working at a lower level !!

Third one didn’t bother to study further after school, chose the right party at the right time ,fought the elections , won ,and became an MP , and later became a cabinet minister and under him were the Departments where two of his school friends were working.

This is not a fictional story.

First one  is E Shridharan .. Metro man.

Second one is  TN Sheshan Chief Election Commissioner.

Third one is KP Unnikrishnan who got elected five times as MP for Lok-sabha,and also became a cabinet minister during VP Singh’s tenure as PM.

Three friends- from the same school, the same teachers, but destiny chartered different paths !!!

 

Beautiful Message About Life

Beautiful Message About Life

A rich man looked through his window and saw a poor man picking something from his dustbin … He said, Thank GOD I’m not poor.

The poor man looked around and saw a naked man misbehaving on the street … He said, Thank GOD I’m not mad.

The mad man looked ahead and saw an ambulance carrying a patient … He said, Thank GOD am not sick.

Then a sick person in hospital saw a trolley taking a dead body to the mortuary … He said, Thank GOD I’m not dead.

Only a dead person cannot thank God.

Why don’t you thank GOD today for all your blessings and for the gift of life … for another beautiful day.

*What is LIFE*?
To understand life better, you have to go to 3 locations :

*1. Hospital*
*2. Prison*
*3. Cemetery*

At the Hospital, you will understand that nothing is more beautiful than HEALTH.

In the Prison, you’ll see that FREEDOM is the most precious thing.

At the Cemetery, you will realize that life is worth nothing. The ground that we walk today will be our roof tomorrow.

Sad Truth* : We all come with *Nothing* and we will go with *Nothing* … Let us, therefore, remain humble and be thankful & grateful to God at all times for everything.

Could you please share this with someone else, and let them know that God loves them ?
__________________

For those who get up at night from sleep to urinate or early in the morning.

For those who get up at night from sleep to urinate or early in the morning.

*Each individual must take note of the three 1/2 minutes.*

*Why is it important? Three 1/2 minutes will greatly reduce the number of sudden deaths.*

*Often this occurs: a person who still looks healthy has died in the night.*

*Often we hear stories of people who say, “Yesterday, I was chatting with him. Why did he suddenly die?*

*The reason is that when you wake up at night to go to the bathroom, it is often done in a rush.*

*Immediately we stand, and the brain lacks blood flow.*

*Why are “Three 1/2 minutes” very important?*
*In the middle of the night, when you are awakened by the urge to urinate for example, the ECG pattern can change.*

*Because in getting up suddenly, the brain will be anaemic and causes heart failure due to lack of blood.*

*You are advised to practice the “Three 1/2 minutes,” which are:*

*1. When waking from sleep, lie in bed for the 1st 1/2 minute;*

*2. Sit in bed for the next 1/2 minute;*

*3. Lower your legs, sitting on the edge of the bed for the last half-minute.*

*After three 1/2 minutes, you will not have anaemic brain and heart will not fail, reducing the possibility of a fall and sudden death.*

*Share with family, friends & loved ones.*

*It can occur regardless of age; young or old.*

*Sharing is Caring. If you already know, regard this as a refresher.”*

Please try to forward this important Health tip to all your groups, and you/your family also should follow it.

AYUSH industry may create 26 mn jobs by 2020: Suresh Prabhu

AYUSH industry may create 26 mn jobs by 2020: Suresh Prabhu

AYUSH stands for traditional systems of medicine and healthcare such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy.

The AYUSH industry is expected to grow in double digits and provide direct employment to 1 million people and indirect jobs to 25 million persons by 2020, Union minister Suresh Prabhu said today.

The government is eyeing a three-fold increase in the AYUSH sector by 2022.

AYUSH stands for traditional systems of medicine and healthcare such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy.

“The Indian domestic market of AYUSH is estimated to be Rs 500 crore, while exports amount to Rs 200 crore. Young Indian entrepreneurs planning a start-up could find a lot of opportunities in holistic healthcare,” Prabhu said.
Addressing the conference on wellness, Arogya 2017, here, the commerce and industry minister said the government will be happy to work with all countries to create a good proposition wherein knowledge of traditional medicine can be transmitted to people, whereby a win-win situation can be developed.

He pointed out that the government has allowed 100 per cent foreign direct investment (FDI) in AYUSH, and highlighted the need for stakeholders to pool in their resources to harness the sector’s vast potential.

“With a wealth of 6,600 medicinal plants, India is the second largest exporter of AYUSH and herbal products in the world. We now have the opportunity to mainstream the Indian system of medicine and integrate the AYUSH infrastructure into Indian healthcare system,” Prabhu said.

The secretary in the AYUSH ministry, Vaidya Rajesh Kotecha, said the ministry is committed to increasing the size of AYUSH sector three-fold in the next five years.

One-Stop-Consulting to Manage your Accounting and Taxation (Income Tax & GST) , Companies Act & R.O.C compliance and all other Legal and Statutory Compliances. We are a team of Chartered Accountants Company Secretary and Lawyers. We also undertake Managing your Accounting and Compliance work in your office.

Intellex is a ONE-STOP Consulting firm with offices/associates all over India, for:-

 

One-Stop-Consulting to Manage your Accounting and Taxation (Income Tax & GST) , Companies Act & R.O.C compliance and all other Legal and Statutory Compliances. We are a team of Chartered Accountants Company Secretary and Lawyers. We also undertake Managing your Accounting and Compliance work in your office.

Syndicationof Finance (both Debt and Equity,) , subject to strict due diligence

Accounting on assignment/outsourced basis,

Taxation (Both Income Tax and GST) and

Company/LLP Registration and ROC and Companies Act compliance,

Overseas Company Incorporation, Strategic Consulting etc.

The promoters of our organizations come from diverse background such as from IIT & IIM as well as Chartered Accountants, Lawyers. We are based in Mumbai (India) and having offices across most of the cities in India.

Kindly look at our LinkedIn profile. https://www.linkedin.com/in/intellex2002

For more information and assistance, you may either send us E-Mail to sudheendra@sudheendra.co.in or or talk to us at Mobile No. 98200 88394 (Mumbai, India)
________________________