Team Finance Club 2021

                                  10 Top Investment Options in India in 2022 1. Fixed Deposits (FD) and Recurring Deposits (RD) Many investors, especially those who want assured returns with no risk, continue to favor fixed deposits (FD) and recurring deposits (RD). Leading banks, Non-Banking Financial Companies (NBFCs), as well as the post office, make it simple to open FD and RD accounts. 2. Mutual Funds Mutual fund investments are exposed to market risk; thus, one should consider the risk before making an investment. Mutual funds might develop into your ideal investment possibilities if we comprehend the market and its risks and how to use them to multiply our money. We can design a portfolio of assets based on our preferences, whether we choose to invest in the long run or the short term.  Monthly systematic investment plans or systematic withdrawal plans can be good investing choices if we desire a stable income from mutual funds but have a reduced risk tolerance. If we wanting to

  It is a universal fact that you cannot eliminate anger emotions from your life, as every emotion is very important in your life and plays a very important role in individual life in different ways. Anger sometimes can be a way of showing people that they are upset because they care or they love you. Similarly anger can lead to a fight and can destroy everything in future if it touches rage. Example of Anger Management I am sharing a small example regarding anger. Our parents love us, they get us everything that we ask for but in return they always ask for good studies and good behaviour and when we don’t follow what they want they might also get angry at us. But this is not at all a negative emotion, this is actually a very positive emotion in this situation because they are angry for our betterment in future. They will only get angry for a few seconds but in the second minute they control their anger and console us, pamper us and love us and make us understand calmly. What would hap

                                                                   FROM THEN TO NOW   Once upon a time as a child, I used to look at stars wishing that I could reach them. I used to look at the birds flying in the sky wishing that even I could fly like them. I used to look at the rainbow wishing that I could take a slide on it and whether it is a rainy day or a Sunday, no matter what I always loved to play with my friends running far away from the house. And I always used to love playing in the rain even though my mother denies it, sometimes she understands what she has missed in her childhood and allows me to play in the rain. I used to be a   child who used to always be playful, and active in participating in various activities. But as I grew up, things changed and more than the stars, I could only see the darkness, the things which were happening around me made me more frightened, though I want to fly like those birds, I used to shed my wings with the fear of being hunted in t

  Any harm that is purposefully inflicted on a child by a caregiver or during discipline constitutes child abuse. While the caregiver is typically an adult, most frequently the child's mother, it is possible for teenagers to also play the role of caregiver, such as a babysitter or a camp counsellor. It's critical to realise that child abuse must result in harm to the child, whether it be physical, emotional, or not immediately visible. Mainly in India when a child goes through a abuse be it mentally or physically, they are scared to tell their parents in the first place. That might be because of many reasons, one among them is firstly the child does not know what is happening with him/her. Secondly even if they tell their parents, many of the parents are not ready to take the action. And also due to lack of proper knowledge in these kind of things, kids get confused and this affects them mentally. Due to which they have to go through a trauma. Abuse affects children from all

                                  The Un(known) Story of Every girl                          Shhh!!! periods. No, it's time to shout out the period pain. When I say I have periods everybody looks at me as if I have done a sin or a crime. But why? Every woman has mensuration and it's the most important part of a women's life. Then why this society says that periods make a woman impure. Sometimes the way society treats her is worse than the cramps, back pain, and whatnot. Acting as if she is all well during her periods in school, college, and office, and hiding those sanitary pads is the toughest job for her. People say that girls are Lakshmi and Devi but when they get periods, why do they call untouchables. Those 5 days the pain, the mood swings, the flow, the girl bear it's like those 5 days are the last days of her life. People say that women are weak but for me women are stronger than men, bearing all this stuff and acting like a normal person represents women is s

  Introvert        The word introvert is used to describe someone who tends to turn inward, meaning they focus more on internal thoughts, feelings, and moods rather than seeking out external stimulation.        Extrovert Extroverts are expressive, extroverted individuals who can successfully navigate social situations. Extroverts are friendly, vivacious, enthusiastic, aggressive, sociable, energized, communicative, and appealing. Ambivert        A  person who possesses both extrovert and introvert traits.   6 ways to be an Extrovert 1. Fake It 'til You Make It- Even if you do not see yourself becoming an extrovert, put yourself out there. This implies that you should attend gatherings where there are larger groups of individuals.   2. Practice Smiling- Smiling goes a long way for an introvert because it encourages people to approach them.   3. Be an Active Listener- Part of being an extrovert is caring about what others have to say. As an introvert, you are alrea

Sense of wholeness   The word health comes from the root word “whole” which means feeling “healthy” which means to be complete. A sense of holding within ourselves. To attain a sense of wholeness, our body and physical energies should be vibrant and exuberant. Emotional dimension and physical exertion are also the two most important things which aid in the sense of wholeness. A sense of wholeness is felt when mental health is quintessential. Engaging in activities like dancing, singing, painting, etc stables our mental health and gives great relaxation.  We cannot lose a connection with all that supports and manages our life, be it-  enjoying the peaceful sunsets or watching cartoon shows, or talking to a four-year-old kid. It is also true that both psychological and physical health can be managed if we are in touch with the elements of nature. Glory and misery, pain and pleasure, anxiety, and ecstasy, all happen within us. It is our prime responsibility to maintain our mental he

  INTRODUCTION -   Your subjective and sincere assessment of your own value serves as the foundation for your level of self-esteem. Numerous theorists and psychologists have investigated the dynamics of the psychology of self-esteem because it is a difficult subject. Abraham Maslow, one of these psychologists who is more known, emphasized in his well-known hierarchy of needs that self-esteem is crucial to reaching self-actualization. Maslow proposes five fundamental categories in the hierarchy, which is represented as a pyramid, that underlie people's motivation: ·          Psychological needs ·          Safety needs ·          Need for love and belonging ·          Esteem needs ·          Self-Actualization Maslow depicts esteem as a fundamental human need by including it in his hierarchy. In actuality, he only saw safety needs, social belonging needs, and physiological needs (health, food, water, etc.) as more fundamental needs in our life. THE DIFFERENCE BETWEEN SELF

  MORTGAGE IN US MARKET: Mortgages are completely different aspects in the case of the USA. Most people in the US do invest in the mortgage secondary market. To understand it better way let's get into the topic detail and understand the various terminologies and vocabulary of mortgages. What is a Mortgage loan? Mortgages are types of loans that are used to buy homes and other types of real estate. The property itself serves as collateral for the loan Mortgages are available in a variety of types, including fixed-rate and adjustable-rate. The cost of a mortgage will depend on the type of loan, the term (such as 30 years), and the interest rate the lender charges. Mortgage rates can vary widely depending on the type of product and the qualifications of the applicant. Conventional mortgage: Conforming loan? A conforming loan is a mortgage with terms and conditions that meet Fannie Mae and Freddie Mac's funding criteria. Conforming loans are subject to a monetary limit

Know the difference between SIP and Mutual Funds: Before knowing the difference between the SIP and mutual fund. We learn What is SIP? A Systematic Investment Plan (SIP), also known as SIP, is a facility provided by mutual funds to investors to invest in a disciplined manner. SIP allows an investor to invest a set amount of money in a mutual fund scheme at pre-determined intervals. The fixed amount of money can be as low as Rs. 500, and the pre-defined SIP intervals can be weekly/monthly/quarterly/semi-annually, or annually. By investing via SIP, the investor invests in a time-bound manner without worrying about market dynamics and stands to benefit in the long run due to average costing and the power of compounding. What is Mutual Fund? A mutual fund is a collection of money from investors with the goal of investing to achieve a common goal. To earn returns while achieving the stated goal, investments can be made in a variety of assets such as equity, bonds, and money market instrumen

TOTAL SALES OF E-BIKES FROM JAN TO JULY 2022   Electric scooters are plug in electric vehicles that run with electricity or current by storing the electricity with rechargeable battery.   Electric scooters sales graph had increased rapidly compared to 2021 its mostly due to public awareness and incredible choice for consumers in all segments. India becoming hub for electric scooters market The total sales of electric bikes up to Jan - Dec of 2021 is 41046 units and Jan - July 2022 is 255496 units The E-bike companies that stood at top 5 in the sales are 1.     Hero Electric 2.     Okinawa Autotech 3.     Ampere Vehicles 4.     TVS Motors 5.     OLA Electric Hero electric stands first in the race by selling 55217 units in 2022, whereas Okinawa stands at second with 53037 sales . TOTAL UNITS SOLD BY EACH COMPANY IN YEAR 2022 Hero - 55217 units Okinawa - 53037 units Ampere - 45859 units TVS - 40100 units Ola - 17244 units