Showing posts with label Society. Show all posts
Showing posts with label Society. Show all posts

Friday, 8 December 2017

Have You Taught Your Children Concept of "Good Touch, Bad Touch"?

Mother to her child with good touch

क्या आपने अपने बच्चों को "गुड टच, बैंड टच" का कांसेप्ट सिखाया है?

In our daily routine we hear or read in the media about the child abuse and molestation. It is a fact that millions of girls and boys worldwide are being sexually abused by the some one known persons. The culprit can be anyone who exploits the child's vulnerability to gain sexual desire. It includes mental, physical and emotional abuse of a child. They do it via sexual acts, gestures and disposition.

Most of the time target young children are of the age 6-8 years; who are so young to understand what is going to happen. Its right time to wake-up for all parents and time to teach our kids this “Good Touch, Bad Touch” concept. As sexually abusing starts with bad touch so we need to make our children understand  the difference between both kinds of touches. We should teach them what actions they need to do when anyone try to make bad touch to them. [Also read: "How to Become Perfect Parents???"]

Even it is very difficult to make our child understand the real situation but we can give them this concept in very simple manner in which they can understand. Follow below mentioned advices to teach your young kids:


Friendship with your kids

Make you kids as your friend and ask your kid to share each and every thing during their daily routine activities. While going to school in the Van / Bus. During school hours and returning back to home whenever you were not with them. By this way they will be habitual of sharing their things with you and you can also get find out if there is any suspicious activities is happening during their day and you can let them guide correct and wrong thing.


Explain about private parts

You should explain your kids that which body parts are their private parts. You can teach them with simple language. For example you can say them if you wear a swimming costume then the body parts which are under then costume are your private parts. No one have permission to see or touch it except your parents / grand-parents while giving you bath or cleaning your body.


Good touch concept

You need to explain good touch concept to your kids. If any kind of touch which gives you happy or pleasant feeling those are good touch. For example if you parents / grand parents hugs you or give you good night kiss on your forehead then you feel happy or caring.


Bad Touch concept

When anyone touches you in the way that you feel uncomfortable and unpleasant then that it is bad touch. For example if someone pinch you, touches your private body parts, threaten you, sits you on their lap etc.


Actions required

Explain to your kids what actions they should take when they feel that anyone giving them bad touch.



  • Say ‘NO’: Directly say ‘NO’ to the person who is touching badly to their body.



  • Yell loudly: What they do when they see any cockroach? They just cry loudly and someone from your dear most  [parents] comes to save them. Like the same way when some give bad touch then just cry loudly. Someone near to you can come to help and will save you.



  • Share with your parents: Ask them to share all things with your parents specially when anyone threaten you to not to share/say anyone of their doings.


You always can't be with them. For the betterment and protection of our kids we must share this concept with them. We should not feel hesitate to take up and speak with them on these kinds of sensitive topics. Teachers should also teach this concept to their students in the school.

All the best!


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Articles you should read:


Are you Having a Sweet Baby Girl???

List of Baby Girl Names with their Meanings

Wednesday, 29 November 2017

Best Way to Invest Your Money


We earn money and wish to save it for our future. If you will keep it in your bank account then you will not get enough rate of interest. Do not invest your money any fake money making plans/schemes. With the continuation of my previous article "Do You Also Want to Earn Money Quickly???" What are the best investments to make money? Here are best options/tips to Invest your money so that it would be safe and you can make some profit on the investment.

1. Systematic investment account/plans 

It allows investors invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly or quarterly. You can choose as per your convenient. It gives good rate of return in long term.


2. Mutual funds investment

Mutual funds are subject to market risk so need to read documents carefully before investing. In which kind of investment you should invest it depends upon your requirement and risk taking capability. There are mainly four kinds of mutual funds investments are available with their objectives.

Debt fund: These funds invest in fixed-income securities. Debt funds are typically low-risk funds.

Equity fund: These are funds that invest exclusively in the stocks of domestic companies listed on stock exchanges. These are categorized as high-risk funds. If you can’t take high risk then you should not invest in the Equity. More risk more profit it the marketing strategy. But investor should invest carefully. There are tax benefits associated with Mutual Funds. You need to invest in Equity Linked Savings Schemes (ELSS) of Mutual Funds for the it.

Money market fund: These are mainly meant for investors looking for easy liquidity and returns in the short-term. These are low risk funds and if you need money then you can liquidate it. These funds invest in money market instruments such as Treasury bills (T-Bills), Commercial Papers (CPs), Repurchase Agreements (Repo) and government securities. These are also called low-risk funds.

Hybrid or balanced fund: These funds invest in both fixed-income securities (debt) and stocks (equities) so these are called balanced funds as it is mixup of both fixed and Equity.

3. Unit Linked Insurance Plans (ULIPs)

There are some Insurance plans available which invests your money in debt and equities markets. Investment returns linked with the sharemarket and it calculate by net asset value (NAV). ULIPs provides options to invest your money to debt fund or equity fund. It also covers life insurance of the investor.


4. Bonds

Typically corporate or governmental entities raise money by issuing bonds. These are available as individual bonds or exchange-traded fund [ETF / ETF Gold]. You can purchase it from your share broker or from online. Maturity date will be mentioned on the bond. Debt holders [bondholders] gets interest every year on it and original amount at the end of the maturity. 


5. Investment in metals

It was also a good way of investing your money. The value of metals rises when other investment values like stock market drops. But you need to keep it safe. Now a days you can purchase gold in soft form called e-Gold. It will be keep in your investment account, you can see online price and sale it any time.


6. Investment in properties

Investing in real estate is another popular type of investment. I would suggest to do real estate investment by checking locations and verification of papers [authenticity of papers of the property]. You can purchase homes/shops. You can also give at rent and after some days sell it at a higher price. 


7. Public Provident Fund (PPF)

If you are in job then your company automatically deduct PPF from your salary. You can also invest more in the PPF. You can open an another account to deposit flexible amount in this account. PPF contribution is eligible for tax deductions under Section 80C of the Income Tax Act.


8. Investment in stock market

If you are having high risk taking capability then you can directly invest in the share market.  There are many online stock market trading websites to do share trading. You need to open a DP account [brokerage account] with them. You can buy/sell stocks online with some tips/advices provided by your broker. 

9. Bank deposits

You can open a bank account to invest in the fix deposit. It is also called traditional investments. These are safe kind of investments but rate of return will be quite low.

10. Post office saving schemes

In the post office also there are many traditional saving plans available with low risk factor. Like in the banks fixed deposits here are also interest rates are quite low. There are many retirement plans available in which after one time investment you can get regular income on retirement.

If you liked this article then share it. You can also read more articles from the home page.

All the Best!

Tuesday, 21 November 2017

How to Beware from Internet Phishing???


इंटरनेट धोखाधड़ी से कैसे सावधान रहें??? [Click here to read in hindi]

What is Internet phishing 

Internet Phishing is carried out via email, Skype, social media or by phishing sites that are replicas of familiar websites. For instance, a hacker may send you an email that looks like it's from a known your organization/bank employee so that you will give them your personal information such as user id, password, credit card information and like.

Another term spear phishing is also used for it that means the fraudulent practice of sending emails ostensibly from a known or trusted sender in order to induce targeted individuals to reveal confidential information.

Phishing emails or sites might ask for:
  • Usernames and passwords, including requesting for password changes 
  • Credit card details 
  • Bank account information 
  • PINs (Personal Identification Numbers) 
  • CVV number [three digit number written at the back of your card]
  • Other personal/ official details 

Identify Phishing emails [Also read: "Do You Also Want to Earn Money Quickly???"]

  • It may contain links or attachments asking you to click on certain links such as those of SharePoint or “open folder”. 
  • Generally asks you to take an urgent action or refers to a previous communication 
  • Request personal or sensitive information such as Card number, password or credit card details 
  • May ask to verify your organization's password or domain account 
  • May be giving a threat or promises a reward 
  • Use “masked” links that looks like a trusted website address but take you somewhere else when you click on it. Beware from these fake and phishing emails.
  • Website addresses that are similar to, but not the same as the original link, www.twiter.com Vs www.twitter.com. Y

Protect yourself from phishing attack and do phishing test

  • Keep your computer and mobile protected with updated Anti-virus softwares.
  • Beware of links in emails that ask for personal information even emails from known internal sources. 
  • ou may get an email from an account similar to facebook that your account has been locked and fill the attached application form to unlock it otherwise it will be permanently blocked. Scan these fake emails & web addresses carefully. 
  • Always be aware and validate with the sender because above actions can cause losses for you. 
  • Always ensure to enter your email credentials to only in URLs that have authentic domain names. 
  • Be aware of pop-ups asking for personal information / password information. 
  • Never share your personal details like username, password or financial information, over electronic channels (Skype, Whatsapp or email) even if you are close with the recipient, check with the sender personally. 
  • If you suspect that you may have been conned or if you are unsure – please change your password immediately. 
  • By sharing this information with your friends and relatives.

If it helped you then keep share our articles because sharing is caring.

All the Best!!!

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Monday, 20 November 2017

Did You Donated Your Old and Untrendy Cloths???



क्या आपने भी अपनी पुरानी और बेकार चीजें दान दी हैं??? [Click here to read in Hindi] 


Every one would like to be looking fashionable. We purchase new cloths for ourselves or for our kids, things to decorate our homes frequently.  We wish to buy new trendy cloths, accessories etc. to look different than others. Time changes and in this highly changeable fashion did you thought about those things; which you were purchased earlier and not using because these went untrendy even these are good in condition.


Most of us belong to the middle or higher-class family. It is good that you are also following the new trend because you can afford it. Old and untrendy things, which are kept in your cupboards and trunks, are useless for you but these may be useful for someone.



We are leaving in a society where you can see many lower class people like watchman, home-maid, sweeper, Laborer, car-washer etc. who earns on the daily basis and even can’t afford food for two times. Many NGOs [Non-Profit Organizations] work to help these people. But their resources are also very limited. They can’t reach to all geographic area of the country to help them even they also don’t have enough money to support all people of the society. So it’s also our moral responsibility that we should participate to help these poor people.


We can help them by they way it will also not effect your budget but it will help them. You can donate following things; which will help them:




1  Cloths donation


Start donating old cloths of yours and family members; which are now useless for you. You can check online where to donate cloths near to you? Some NGOs also provides donation pick up facility.


2. Your kids’ old toys




Kids' get bored with toys soon and they never play again so instead of storing it just donate it. Poor children who can't even think to buy these kind of toys will be happy to play with it.


3. Donate old school uniform




Poor children can reuse uniform which are now unfit for your kids.


4. Donate old shoes




In cold season poor people can also use old shoes donated by you. So do it instead filling your shoe racks. 


5.  Donate food



Like on festivals someone gives you sweets as gift but you don’t consume it due to some reason. Donate it instead of it would be spoil and waste.

6. Donate money



Donate money only through the valid resources like NGOs so that it will be utilized for actually needed people. Never give money to children begging on the red lights or in front of food courts etc. It will make them habitual to always beg things from otherd. Government also having provision of tax rebate on donations whenever one donates money to the recognized organizations/institutions.


7. Power of One



Many organizations like HCL Technologies has taken responsibilities for this kind of social work and they are running many programs. One of their programs is 'Power of One'. In this program its optional for all employees to contribute only a single Rupee/day to donate in the fund; which would be use for slum area's lower class people and children. It also does not put burden on an individual's pocket. If you are owner of any organization then you can also initiate this kind of programs in your organization.


8.  Donate for people affected by natural calamities



We can't control over nature. Every year these natural calamities also effects many areas and people's life. Many lose their home as well as wealth. Here also government and NGOs can't help to all. Some organizations put donation bins to help affected peoples. You can drop used clothing, household items, shoes, candles, dry food items in these donation boxes. We should also participate in it by donating our old but usable things to help affected people.




Try to make donation as habit. When you will donate then poor who really need it will give you blessings while every time of using it. When you will see these poor children wearing your kids’ old cloths believe me you will feel proud and happy.




Share article to your friends and relatives so that they can also participate in this social work.




All the Best!


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Monday, 13 November 2017

Are you Having a Sweet Baby Girl???



क्या आपकी एक प्यारी बेटी है???

A baby is dream of every couple. When a baby borns then all in the family members get promoted automatically. One promoted to father, someone to mother, brother, grandfather, grandmother etc. These changes in the relationships will be same in case of either a baby boy or baby girl borns. A cute innocent baby does not know about means of these relations then gender inequality exists in our society?



Unfortunately, In our society there is a gender inequality today. This gender discrimination starts from home and reach up to every field upto at work. Everyone looks for a boy child instead of a girl child. Sex Ratio in India currently stands at 945 females available for every 1000 males. Effects of gender discrimination in society will be dangerous for future. If this situation will be continue then many boys will remain unmarried as they will not find suitable match for them. Government of India is also running many programs to save and educate a girl child. One of their programs are "Beti Bachao, Beti Parao" [बेटी बचाओ-बेटी पढ़ाओ].





Data for India's Population in 2017:



If you have a girl child then it's responsibility to understand that if you will do gender inequality then society will also follow the same for your child. 


If a baby girl has been born at your home then follow below mentioned new culture without any hesitation, you should be a game changer for the society. Believe it works and it will make your family as Happy Family [Also read Are you in Happy Married Life???].

Distribute Sweets

Its starting when a 'Goddess Lakshmi' came to your home. Distribute sweets and celebrate same like you does on the birth of a baby boy. 

Thank You God

You should thank to the God after getting a healthy baby. There are many couples who does not even get any baby due to fertility problems and treated their self with the hope of a child. So you are lucky. 

Single Child

Inflation rate is very high and increasing day by day. Its hard to manage expenditures of a single child so drop plan for another child. Nurture your single child with everything whatever can do. Give your family a quality time. If you will have more children then you will be more busy and even not able to give enough time to your family because you have to earn more money for them.


Celebrate birthday

Every year you should celebrate birthday of your daughter as per your capacity. Give chocolates, candies to your daughter to distribute in the school. She should feel special. Give her birthday gifts.

Education planning

If you will have a single child then you can educate her in a good city school. Today is competition time you should give quality time to your kids and guide them what to do in future [Also read "Do you Know How Your Child be a Good Learner???"]. Plan their schooling and higher studies. Start saving accordingly.

Marriage planning

If your daughter will be educated and well qualified then there would not be any problem for her marriage. But you should plan for the future expenditures and start saving since her birth. Small savings on regular basis gives a huge returns. Indian government has also started a saving plan called "Sukanya Samriddhi Accounts" for a girl child. You can be open account up to age of 10 years only from the date of birth and can be closed after completion of 21 years. For more details you can visit Post Office Saving Schemes.

Self defense training

You cannot be always with your child. Give some self defense training to your daughter. Self-defense is the use of physical force to counter an immediate threat of violence.

Investments & Savings

There are many options for investing in, the child plans, mutual funds, debt instruments. It is advisable that start investing as early as possible. Your small investments can give you a good return; which would help you to manage your all future expenditures without any issue. Beware from phishing; some times people get stucked into phishing [also ready Do you Want to Earn Quick Money???] whenever they thought to earn quick money and lose their hard core money as well. Invest your money in best investment plans available in the market which will give you best returns and you money will be safe.
  • Traditional Investments Fixed deposits or Recurring deposits are traditional kind of Investments. These are secure but rate of interest is comparatively lower than other kind of investments.
  • Child plans Many finance companies are having many Investment plans called child investment plans, child education plan, child education bonds etc. There are also one time investment plan for child, you can invest in it and need to worry about their eduction. You can purchase child plans from ICICI financing corporation ltd., HDFC, Aviva fund etc. You can invest in these plans for a specific purpose like for kids’s higher studies or marriage etc.
  • Mutual funds Many mutual fund investment have children-specific schemes, which focus the investment into a judicious combination of debt and equity with the emphasis on capital preservation with moderate returns. These are typically long-term funds with an investment horizon of 9-10 years. 
  • Debt instruments This is one of the safest avenues to save for your girl child, with capital being more or less secure. One of the best options is to go in for a PPF when your child is very young. Debt mutual funds are other options that one can pursue. [Also read "Best Way to Invest Your Money"]
Today we talks about women empowerment. A Indian girl Kalpna Chawla set an example for us. She was an American astronaut and the first woman of Indian origin in space [Read more on “https://en.wikipedia.org/wiki/Kalpana_Chawla”]. She can do this miracle then why your daughter can’t do. We are also proud of Manushi Chhillar, who has won Miss World Crown in November 2017. Just need to change your thinking. Need to take a step to nurture a small plant to grow as a tree. 

All the Best!

Friday, 10 November 2017

Do You Want Someone to Quit Smoking???




क्या आप किसी व्यक्ति को धूम्रपान  छुड़ाना चाहते हैं???

Today young generation looks smoking as the status symbol and starts consuming cigarettes and slowly they get habituals of it. Some of them become chain smokers as well.

The most popular type of substance that is smoked is tobacco in the cigarettes. Tobacco used in cigarettes have mixture of aerosol particles and gasses and include the pharmacologically active alkaloid nicotine.  Smoking is one of the leading causes of preventable death globally.

Here are some common problems caused by smoking and damage your loved one’s health:
  • Increases risk of heart disease, stroke, high blood pressure
  • Increases risk of cancers of your body organs like lung, bladder, pancreatic etc.
  • Smoker’s body may get risk of diabetes
  • Increase the risk of heart disease and depression
  • Affects mental capacity and lose of memory
  • Increases likelihood of impotence & reduces fertility
  • Increases risk of depression in adolescents
  • Smoking deaths
If you want that to someone to quit smoking then read and share this article.

According to the government instructions it is compulsory to print cancer affected lungs picture on the cigarette packet with the warning messages like "Tobacco is Injurious to Health" or "Smoking Kills" but still people don't quit it.

Here are quit smoking techniques which would help to Quit smoking:

Make determination in your mind to quit

Nothing is impossible in this word, you should be determined in your mind. Think about your family and make a decision your own. Give quit smoking timeline to you.

Choose a quit date or occasion

You may fix a date/Occassion for quitting smoking. Quitting in good mood always works.  Occassion may be yours or your partner's birth date, your anniversary date, New Year etc. 

Prepare a list of all things you like about smoking

Simply note down all things you like about smoking. You will your self find out that other than problems its not having any benefits. Think yourself that how to successfully stop smoking?

Then make another list of challenges by asking "if i quit smoking"

List down points that why quitting is not easy for your? Then you may find some alternates for those negatives.

Alternatives for chain smokers 

In some cases by giving up cigarettes some alternatives are required. e-Cigarette or nicotine gum are some options for it. These are far less harmful for addicts than smoking. But slowly you may also quit it. 

Stop buying cigarettes packets

As soon as you will stop buying in bulk it will reduce your consumption and help to quit cigarettes.

Let people/friends know that you have Quitted

If you will share with your friends that you have already quitted then they will also not offer you these things. Also share with them that how quitting smoking improved your health.

Think of challenges you faced in the past

I am not denying that you will not face difficulties after quitting. But you may think about things you have done in the past and faced difficulties and you came overcome from those situations with yourself or with the help of your life partner. So you will also come out of the situation which you will face immediately after quitting the smoking.

Find a healthy snack food you can carry with you

Always carry healthy snacks with you, when ever your mind will think about smoking eat those snakes. These may be dry fruits like almonds, pistachios, cardamom etc. You may also switch to a cup of green tea whenever you usually have a cigarette.

Collect all the money you’re saving on cigarettes in a Box

Last but not the least what ever you will save by weekly/monthly; collect that money in a big box and after 4-5 months go for outside dinner with your partner / beloved / family. It will also make your family relationships stronger. 

So its time to take decision to choose a healthy life or a paralysis life. 

Please Like article at the bottom of the post and share it with as many as people to make our County Smoke Free

All the best!


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Tuesday, 7 November 2017

Do You Also Want to Earn Money Quickly???



क्या आप भी जल्दी से पैसे कमाने के लिए चाहते हैं ???

We are growing and educated since our childhood to our Youngest age. Here are few words:


 "Dear baby, If you will study carefully then you will be a Doctor / Engineer. You will earn a lot of money and you can fulfill your dreams."


"बेटा, आप ध्यान से स्टडी करेंगे तो आप डॉक्टर / इंजीनियर बन जाएंगे। आप बहुत सारा पैसा कमा लेंगे और आप अपने सपनों को पूरा कर सकते हैं।"


You may also heard these words from your parents and may be told to your kids. One thing is clear with these words that everyone is studying / growing to earn some money with some job/profession. It means no one work for free or just give money to anyone without any outcome. But still some people think that they can earn money without doing anything.


I hope you understood purpose of my this article. I want to alert you with some spams. Due to the lack of knowledge we become victims of these phishing & spam and we lose our hard core money.


Here are some types of internet frauds. You can be alert by follow these advices. Share this article as much as possible.


Emails for Business Proposal 


You may get emails from a unknown email address that they are looking for business opportunities in your country and they have money to invest but they are not having person who can help them to invest. They will ask you to respond or fill a attached form with the email. So never download attachments from these kind of fake emails. You can block these kind of emails by using best anti spam software.

Emails for Winning Lottery


You may get emails that you have won lottery for $ xxxxx, provide your details with your bank account details so that they can transfer that money to your account. Its totally fack email  [Also read: "How to Beware from Internet Phishing???]. If you provided your bank details to them then your bank account will get empty. They will transfer all the money kept in your bank account to their accounts. You can apply outlook email spam filter on inbox. Trash your junk folder without opening filtered emails even you see an attractive subject of it.

Fake International Calls


You may also get phone call from the International phone numbers. They will let you  know that they are having some parcel for your name and they want to send you to your home address. They will ask to transfer some amount for courier charges to their account to get that costly parcel. So never transfer money in their account. 

Calls from Banks


You may get some phone calls that they are your bank representatives. They will ask your bank account number, three digit CVV number mentioned at the back side of your ATM card or your ATM pin number. So please don't share these details to anyone. Bank representative never ask you these details.

You can register your phone number for "Do not disturb".  You can read this DND policy on the Telecom Regulatory Authority of India website. Your number will be added to DND list and sales person or another marketing persons can't call you. Many Indian service providers having DND forms at their website you can fill the form and register for it :

Calls from unidentified numbers


Never pick the calls you receive from unidentified numbers or number just shows in 3/4 digits. Never call Back on this number. These are all fack calls as soon you will pick up the call or call back your phone bill will be charged and you will get a huge phone bill. You can install true caller on your phone to identify number and location from where you are getting it.

Insurance Representatives


If you are having already invested any Insurance policy then you may get calls related to your policy. First they will share your policy details with your then ask that are you getting your investment fund details regularly? etc. so that you will believe they are from the Insurance advisory firm. They will try to fix your meeting with their fund manager to provide you details for your fund performance. When that person will visit to your home then they will try to show you that your current policy is not performing well and withdraw money from it and invest in the new policy which will give you more money on your invested money.

Job Appointment letters


You may get some job appointment letters in which they will show that a attractive salary, joining details etc. They pick-up data from the job portals and try to target youngsters/Freshers. They will ask to come to another city via plain. But for all these things you need to deposit some refundable money to their account. So be careful these all are frauds.

Free Job Trainings


Some Free job training and after that you will get a job with attractive salary is also a fraud. They will ask you to deposit some refundable money to their account.

Work from Home to Earn money


To earn a quick money by working just 1 or 2 hours a day; job an training before that is also a fraud. They will ask you to deposit some money prior to training.

Social Media Profiles


Last but not the least beware from the Social Media profiles which may show some nude/attractive pics to join their group etc.  [Also read: "How to Beware from Internet Phishing???]

Your hard core money is yours, do not believe in these fake money attractive schemes. If you are having money then you can invest it in many legal investment plans/schemes. 


There is nothing other than your hard work in your job/business. I wish to  you be successful in your life.


All the Best!



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