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TOP FINANCIAL MISTAKES MADE BY INDIANS

Recovering from financial mistakes could be very difficult but
How to avoid Financial mistakes?

We are not talking about world Finance or neither I am explaining what is finance or Financial market, we are talking about the basic finance mistakes which everyone does in their life.

1. Not saving for those rainy days/ Emergency Fund/ Not setting up an emergency fund

Everyone needs an emergency fund. There will many times sudden expenses will knock your wallet like you could lose your job, or somebody in the family may need medical care—you never know what lies ahead. You hadn’t planned for these expenses. How will you manage it now?

Emergency Fund Rainy Day Fund

This is where an emergency fund comes handy. Not having one is also one of the reasons behind debt accumulation. Stashing away 3 to 6 months’ worth of expenses is ideal for an emergency fund, although, the best would be to have around 12 months’ worth of expenses parked.

“Even Chanakya in his book “Chanakya Neeti” has mentioned about Emergency Fund.”

Check this book for Top Finance mistakes and how to Recover

The Total Money Makeover

2. (a)Mixing insurance and investment

This, according to me is the BIGGEST MISTAKE that we as Indians are committing. We mix insurance with investment. The main purpose of getting insurance is to provide Financial Protection to overcome the losses when they occur and not the investment. Very few people understand the difference between term plan, endowment plan, Money back policy, etc.

(b) Purchasing LIC policies to save taxes

Instead of concentrating on wealth expansion, we Indians concentrate more on tax saving and therefore we invest in LIC and other such instruments that do not give any returns.

Moreover, This is because of financial illiteracy in the masses and marketing tactics of the insurance agents who succeed in selling them some rubbish plan which blocks up a good chunk of capital each year and yields barely a return of 4–5% (negative if adjusted against the inflation) These give 4–5.5% post-tax in your hand. Neither do they beat inflation in most years nor are they great for building wealth.

Note: This is an utter waste of your money. Our lack of financial knowledge is leveraged by these agents who sell the policies and make good commission on them.

3. Use of credit cards:

Visa Master Card American Express

The biggest mistake of all, it tempts us to spend more. Credit cards make you spend money which you don’t have; to pay interests which you really don’t have to. Banks entice you to shop on credits by giving offers like save Rs. 1000, get cashback up to 20%, etc. However, you really don’t save anything. You only end up spending. Heavy interest is levied for non-payment of credit card bills and makes things worse. Some credit cards charge interest rates over 20% on a regular basis which is just insane.

Let me tell you my experience of carrying a credit card:

I have a salary of almost half of my credit limit on my card. Initially, I was too comfortable using the credit card, so much so that today a good portion of salary goes to this money-hungry credit card which I initially thought of as my friend. Matters get worse for some of my peers who have taken more than one credit card and have maxed out every single one of them.

4. Not buying a proper Health/medical insurance:

Well, one may never get to regret taking a low life cover but your dependents will surely feel the impact of this mistake. I have seen people losing out the lifetime savings just because they did not take medical insurance. One accident can shatter all financial dreams. Better be insured. Healthcare cost is rising and it is impossible to manage it without insurance.

5.Home Loan

Home Loan

 Many people think buying a house is their smartest investment. They consider their home as an “ASSET” but they don’t know that their home is a liability rather than an asset because when you buy a home on loans then EMI burns a huge hole in your pocket. Basically, the bank owns the house and you pay rent to the bank in the form of EMI’s. Besides EMIs, insurance premiums and personal expenses eat into earnings quite quickly. I am sometimes surprised to see people with a seven-figure monthly salary finding it difficult to save. This is because they have major expenses such as penthouses, bungalows, yachts and so on. Since these are big-ticket items, servicing debt and maintaining these often result in a liquidity crunch even for affluent families

Therefore, a Home loan is not your investment.  Investment is what gives you returns.

6. Investing in Fixed Deposits

Fixed Deposits

Fixed Deposits give a nominal assured return of 7%. Thus, Indians think that they can put their money in an FD and think that all is well. However, this is not the end of the story. People tend to ignore two very important factor which affects their returns-INFLATION & TAX

Keep in mind that 7% is the nominal rate of return on FD. We need to pay 30% tax on our return. Thus, after deducting the tax, we are left with a 4.9% return. Now, the inflation rate in India is around 2%. So if we deduct that from 4.9%, we get just a 2.9% return on our FD.

7. Online Shopping & Useless Offers

Ecommerce Websites

Websites like “AMAZON”, “FLIPKART”, “MYNTRA” etc are becoming a trend these days. Like other people, Indians get mad too when they see a sale, discount, buy one and save a certain percentage on your second purchase or combo pack offers. Regardless of their need, they think, grabbing these offers are going to save them a lot. When you buy those offers considering discounts, you actually pay more. You are actually offered the slightest portion of the margin. We live in a myth that we are saving but actually, we are losing.

One has rightly said that

“If something costs $1000 and it is on sale for $750 and you decide to buy it, you did not save $250 but you spent $750.

8. Putting All Eggs In One Basket:

Let’s accept it; we Indians love Gold and Real estate. There’s nothing wrong with investing in land and precious metals. I have seen many people who only invest in either Gold or Real Estate. Some would just keep it in the locker, some would invest all the money in the stock market and at the end, such people experience losses just because they have not diversified their portfolio

Note: Have a well-diversified portfolio of assets and you’ll never regret it.

9. Lavish Weddings

Lavish Wedding

No matter whose marriage it is, marriage is a complete waste of money. We buy Expensive outfits, we do destination wedding bla.. blah… blah…Thanks to our hypocritic society! I do not know, why most people want to spend more on their children’s marriage than on their education? People save their entire life just to spend all the money on random relatives who only bother about the food and arrangements.

Note: Instead of spending on weddings you must spend on the financial education of your child.

10. Buying Excessive Gold

Gold worth lakhs is kept in lockers only to be used once or twice a year. This is resulting in the money getting blocked and hence not getting any returns on it. Indians have Emotional attachment with gold, jewelry, etc. I think Gold is an unproductive asset it generates very low returns. Instead of buying gold we must invest in different instruments to get balanced returns.

11. Lifestyle

After Salary increases, the desire to increase your spending will increase just because your friends are living a certain lifestyle. Most people will want to spend their money on buying new things like New phones, Furniture, cars, designer goods, etc but because of this, you will lose the ability to generate more wealth.

Best principles of financial planning revolve around the following points

  1. Pay off all your debts before you spend more
  2. Make sure you spend less than what you will earn.
  3. Financial Discipline and Growth are co-related
  4. Most times value gets created over a long time.
  5. Keep long term savings safe, never fund your short term expenses from your long term savings.
5 Best Personal finance books

Know these before you put your hard earned money into Mutual Funds

Investing in equity mutual funds is the easiest way to increase one’s fund. I will guide you on why you MUST invest in equity mutual funds.

The points are listed below.

1. You must have a proper Financial Goal

I noticed that many investors simply invest in mutual funds just they have some surplus money. The second reason may be someone guided that mutual funds are best in the long run compared to Bank FDs, PPF, RDs, or even LIC endowment products.

If you have clarity like why you are investing, when you need the money and how much you need money at that time, then you will get better clarity in selecting the product. Hence, first, identify your financial goals.

You must know the current cost of that particular goal. Along with that, you must also know the inflation rate associated with that particular goal. Remember that each financial goal to have its own inflation rate. For example, education or marriage cost of your kid’s is different inflation that the inflation rate of household expenses.

By identifying the current cost, time horizon and inflation rate of that particular goal, you can easily find out the future cost of that goal. This future cost of the goal is your target amount.

2. Asset Allocation is MUST

Next step is to identify the asset allocation. Whether it is a short term goal or long term goal, the proper asset allocation between debt and equity is a must. I personally prefer the below asset allocation. Remember that it may differ from individual to individual. However, the basic idea of asset allocation is to protect your money and smoothly sail to reach the financial goals.

If the goal is below 5 years-Don’t touch equity product. Use the debt products of your choice like FDs, RDs or Debt Funds.

If the goal is 5 years to 10 years-Allocate debt: equity in the ratio of 40:60.

If the goal is more than 10 years-Allocate debt: equity in the ratio of 30:70.

While choosing a debt product, make sure that the maturity period of the product must match your financial goals. For example, PPF is the best debt product. However, it must match your financial goals. If the PPF maturity period is 13 years and your goal is 10 years, then you will fall short of meeting your financial goals.

3. Return Expectation

Next and the biggest step is the return expectation from each asset class. For equity, you can expect around 10% to 12% return. For debt, you can expect around 7% return expectation.

When your expectations are defined, then there is less probability of deviating or taking knee-jerk reactions to the volatility.

4. Portfolio Return Expectation

Once you understand how much is your return expectation from each asset class, then the next step is to identify the return expectation from the portfolio.

Let us say you defined the asset allocation of debt: equity as 30:70. Return expectation from debt is 7% and equity is 10%, then the overall portfolio return expectation is as below.  (70% x 10%) + (30% x 7%)=9.1%.

5. How much to invest?

Once the goals are defined with the target amount, asset allocations are done, return expectation from each asset class is defined, then the final step is to identify the amount to invest each month.

There are two ways to do it. One is a constant monthly SIP throughout the goal period. Second is increasing some fixed % each year up to the goal period. Decide which suits best to you.  Hope the above information will give you clarity before jumping into equity mutual fund products

Redmi Note 8 Pro-Solid Value

Redmi Note series phones have been always known for their incredible performance for the price,They Offer good balance in every aspect like a good hardware,camera and always great battery life and the newest Note 8 Pro is no exception.

  • Different colours available

Hardware and Design

It offers Gorilla Glass 5 on both front and back and durable plastic frame on sides which is sturdier than aluminum it feels premium and big with a screen size of 6.53 inch, thanks to it curved glass from the back it helps with ergonomics and one-hand usability. On the Back, we have the triple camera setup and fingerprint scanner along with it. On the bottom we have Usb-c and 3.5mm headphone, it also features an IR blaster for controlling Tv and Ac etc, overall the design is good for the price.

  • Separate dual sim and micro-SD card slots
  • Tear drop notch
  • 91.4% screen top body ratio

Performance and Software

In terms of software it is running on the latest version of MIUI which is MIUI 10 which is based on android 9.0(pie), but it will soon get android 10,MIUI Is feature-packed with dark mode, gaming turbo boost mode and also has tons of other specific customizations and theme available, it also improves on face unlock with faster algorithms but as always it’s Less secure then the fingerprint scanner.
In terms of performance, it is running on MediaTek Helio G90T and it is the first gaming-centric soc, It is based on 12nm, which makes it more energy efficient. It is an octa-core CPU with two high-performance cores and six low performance, energy-efficient cores, It is paired with Mali-G76 Mc4 GPU for graphic-intensive tasks.
In terms of ram and storage, it comes in a configuration of
6/64GB or 6/128 GB or 8/128GB

Mediatel helio g90t

Display and Battery life


Redmi note 8 pro has a 6.53” LCD panel with resolution of 1080*2340px with aspect ratio is 19:5:9, It has support for HDR content, with a teardrop notch, It can peak brightness up to 640 nits, overall it is a good Panel with good color reproduction and gets plenty bright for outdoor visibility.
In terms of battery, it has a 4,500 mAh battery and due to power-efficient chipset it provides great all day Battery life. In terms of Charging it comes with 18 Watt fast charger in the Box.

Camera and Video
It features a quad-camera setup with a dedicated macro lens and a dedicated depth sensor.
The main shooter is 64mp wide-angle shooter with f1.7 aperture, It also has an 8Mp ultra-wide shooter with f2.2 aperture with 120•degrees field of view. It also has a dedicated 2Mp macro lens for really close up macro shots up to 2cm distance. In terms of video it can shoot 4k at 30fps,1080p at 30 and 60 fps, slow motion video at 1080 at 120fps and also super slow motion at 720p up to 960fps, other camera features include night mode, AI detection, Pro mode
In terms of the selfie, it has a 20MP shooter with f2.0 aperture

  • Camera samples
  • It has Liquidcool technology which prevents it from heating while heavy gaming and charging.
  • WiFi X antenna to prevent WiFi signal blockage and better reception
  • Bluetooth 5.0 and NFC support
  • Build-in Alexa support

Overall Redmi note 8 pro checks all the boxes which are important and provides comprise free performance, Best phone currently for ₹15,000

Check video review for more details
Amazon links to buy Redmi Note 8 Pro :
6/64GB
6/128GB
8/128GB

Most Powerful Habits You Need Right Now To Change Your Life Completely

Habit is the programming of the mind which makes you work by default,90-95% life of an individual only depends on which type of habit he/she is following.

Who doesn’t want to get success in his/her life, right?

But wait only a few people work for it and most of the crowd is busy just making castles in the air, are you also one of them?

No problem after reading this blog completely you will not remain the same tom-dick-harry trust me. We see a lot of successful people around us and we feel, how they are so happy and successful in their life. If you are also interested in being one of them who always wants to achieve greater heights and want to do something bigger in life and also want to be satisfied in one’s life congrats you are at the very right place.

Today in this blog we are going to talk about Five yeah only Five such habits that have the potential to change your life completely and lead you to a healthy and prosperous life.

So let’s discuss what are those habits and yeah these are not just habits these are life-changing commitments you can have right now in your life and change your life completely for good.
Just try to follow these life-changing habits as a 1-2 week goal and start feeling great changes start to appear in your professional as well as personal life.

1. Try To Wake Up Early In The Morning

I know I know it sounds cliche every time you read or hear about it but believe me guys it’s the most astonishing habit you can begin with to make your day as best as possible. Try to wake as early as possible maybe 3 am is a perfect time, right? hell no don’t get so serious was just joking. The best time to wake up early in the morning always directly depends upon how much time you had gone into your bed yesterday night, So you can calculate and also fix your habit of the unnecessary and unhealthy late-night vigil. On average 6-8 hours of sleep is enough to make wake you up fresh like seafood. Try to make affirmations for your sub-conscious to wake up as early in the morning. Habits of waking early morning are limitless which we will discuss in another blog. Now let’s jump up to our 2nd habit.

2. Make a routine to-do list

Guys believe me it will be a banger headstart into your day and will cancel the probability of losing your focus from the top priority work for you for the whole day. Discipline is very necessary for this age of Distractions.
Now, let’s move into our 3rd habit.

3. Daily Yoga and HIIT Routine

Yeah, you hear it right basically exercising and to make your blood flow more efficiently throughout your whole body. Basically you have to do daily yoga poses and HIIT workouts to make your oxygenated blood travel to finest capillaries and arterioles. About Yoga and HIIT in detail, we will talk in another blog.

Let’s move to the 4th habit.

4. Have Focus On One Thing At a Time

Focussing only one work at a time makes your work more efficient and overall gives a better output. When we focus only on one thing our mind and body get synchronized to work without any conflicts between which results in less tension and mental fatigue overall. So try to be focussed on the only thing on you are working on the moment. Last but not least habit is the golden one and is like a bonus to everyone. So without any delay lets jump up on it.

5. Read Good Blogs, Journals, and Autobiographies

Reading is the best way to ultimately aware of many untouched dimensions and to apply good things into your life. Try to finish 1-2 books in a week and engage with quality blogs which makes you aware of your life and give enlightening information to improve it as much as possible.

Thank you.

Have an Excellent day ahead 🙂

Best Earphones Under Rs.1,000 on Amazon

A Good Pair of Earphones which sounds great has good build quality is a must, but with many good options flooding the market, it’s hard to find one under 1,000. So, here are my best picks.

Earphones under 1000 rupees

1. boAt BassHeads 225 in-Ear Super Extra Bass

boAt BassHeads 225
  • Innovative housing design for easy adjustment and optimal wearing comfort with powerful 10mm drivers for sonic clarity, bass-driven stereo sound and good attenuation of ambient noise
  • Passive noise cancellation feature enables users to enjoy listening to your music in a chaotic and noisy environment, it also enables users to receive calls on-the-go
  • Noise-canceling microphone for reducing background noise
  • Super heavy bass
  • In-line mic for hands-free calling

Price-999

Get this product for just 499 INR

2. boAt BassHeads 100 

boAt BassHeads 100
  • Powerful 10mm dynamic driver with the speaker resistance of 16 ohms enables the earphone to deliver a punchy, rhythmic response to the most demanding tracks
  • With 1.2 meters perfect length cable now plug it in anywhere with ease
  • Hawk inspired earphones
  • Comes with an amazing commixture of style with performance, Frequency: 20Hz – 20KHz, Sensitivity: 92db ±3db
  • In-line mic for hands-free calling

Price-999

Get this product for just 350 INR

3. Realme Buds 2 

Realme Buds 2
  • Powerful 11.2mm bass boost driver which consist of multi-layer composite diaphragm, bringing you a deep and powerful, yet accurate bass response.
  • Premium, reinforced braided jacket, and two evenly grooved TPU cables make for a design that is robust and durable
  • Realme buds 2 features built-in magnets and a cable strap which are designed to provide the ultimate solution for neatly storing your earphones.
  • The inline remote features three tactile buttons and a mic, so you can control your music and videos, incoming calls, and even summon your voice assistant directly at the touch of a button
  • In-line mic for hands-free calling

Price-799

Get this product for just 599 INR

4. Sony MDR-EX150AP

Sony MDR-EX150AP
  • Great Bass as expected with Sony
  • Sony MDR-EX150AP uses 9 mm neodymium drivers which delivers one of the best-balanced sounds
  • Sturdy Gold Plated Wires with Metal casing for Eartips for Solid feel
  • In-line mic for hands-free calling
  • Various color options available

Price-₹899

Get this product for just 799 INR

5. Audio-Technica ATH-CLR100BK

Audio-Technica ATH-CLR100BK
  • High Acoustic Resolution technology for great sound clarity and mids
  • Sleek and stylish design
  • The mids and highs are distinct thanks to the frequency response that ranges between 20Hz – 20,000Hz.
  • Comfortable and lightweight, no problem in long listening sessions
  • No In-line mic for hands-free calling

Price-₹690

Get this product for just 539 INR

6. House Of Marley Smile Jamaica

House Of Marley Smile Jamaica
  • Powered by 8mm speaker drivers that cover a frequency response range of 20-20000 Hz.
  • The earpiece casing is made from bamboo and coated with a layer of antifungal spray that extends the longevity of this product.
  • High quality braided fabric cord
  • Overpowering Bass
  • In-line mic for hands-free calling

Price-₹999

7. Sennheiser CX 180

Sennheiser CX 180
  • Best for heavy bass EDM music
  • Perfect In-Ear canal design for excellent sound
  • Sennheiser also gives a 2-year manufacturer warranty for these earphones.
  • Cables can get easily tangled
  • No In-line mic for hands-free calling

Price-₹849

Get this product for just 599 INR

8. Mi Earphones

Mi Earphones
  • 90-degree L shaped connector is gold plated and offers the least resistance to the signals.
  • Great build quality
  • kevlar coated and braided cable feels strong, sturdy and induces an indestructible feel. 
  • Pleasing Sound quality with Pronounced Bass
  • In-line mic for hands-free calling

Price-₹699

Get this product for just 399 IN

5 Ways the iPhone is Better than Android

People have always been in debate about which operating system is better overall for them,Some people prefer android while other choose iPhone both operating system has its look pros and cons so let’s look closer towards  Apple’s operating system and find out how it is better and Why people who use it Love the Os.

1. Hardware and software Optimization

Apple is the only company which make its own software for its hardware,which is great as it is specifically optimized for the hardware of iPhone so it runs smoothly and effectively even on iPhone which are 4 or 5 years old,which is the reason why apple latest operating system find smoothly on older devices like iPhone 5s and later.

2. Better App Integration

 

There are generally apps which have always been run better on iPhone than on Android like Instagram,Snapchat,Twitter etc,It’s because there are less devices on Ios side so there is better optimisation for each specific apps,Also people find quality of apps to be better on iPhone then android because there is no other device avaliable which runs these apps better than the iPhone.

3. Security

 

Apple has been known for its peer to peer based operating system which is closed and not open source like Android which make a huge difference in terms of open source Malware and threat to hacking in general,it’s Mac Os is generally preferred by Pro content creators for the stability and same security reasons,That’s why high profile Celebrities and high profile people generally tend to prefer iPhone for its security and they know their Data is secured and protected Always.

4. Apple Ecosystem

 

The ecosystem is the major part,why people choose and always come back to iPhone as some features and functions runs so well across apple devices like Ipad,IMac,Macbook like Airdrop,IMessage,Continuity and many more,These all services work so much better and seamless across all apple devices that people just love it and it’s the major reason why they love apple products.

5. Better support and Brand Value

 

IPhone have always been known for its values, And people just love to have an apple product with them it’s often considered as a Premium product when compared to others,And there is no Denying that Apple provide best in industry support in terms of both Hardware and Software for a much longer period of time as compared to Android.

Links to check available iPhones and their current prices from Amazon

Iphone 6s (32gb)-₹26,990-https://amzn.to/2la6l0
Iphone 7(32gb)-₹29,990https://amzn.to/2maWbwT

IPhone XR-₹49,990https://amzn.to/2kzXg0y

Iphone X-₹64000https://amzn.to/2kWQfr3

Iphone XS-₹1,03,900https://amzn.to/2lcCEvN

Iphone XS max-₹1,13,900https://amzn.to/2lagaLU

Iphone 11 pro-https://amzn.to/2me8gRN

Iphone 11 pro max-https://amzn.to/2kEfTk2

 

 

 

Which Smartphone to buy in 2019? Amazon and Flipkart

List of top Smartphone deals on Amazon and Flipkart
Advice: Keeps the products in cart now or before the sale starts to avoid out of stock.

Amazon: 10% Instant Discount on SBI Cards
Flipkart: 10% Instant Discount on Axis and ICICI bank cards

All Smartphones Deals Page URL Amazon

All Smartphones Deals Page URL Flipkart

Deals by Brand

Honor Smartphone Deals Revealed

Samsung M Series Phones Deals Revealed

LG Phone Deals Revealed

Top Deals
# Apple iPhone Xs 

1. Iphone XR  (4_,___ INR)

2. Oneplus 7 Pro | 90 Hz Refresh rate + 6.6 Inch Screen + 855 SnapD + 4000 Mah Battery

3. Oneplus 7 | 48mp | 855 + Amoled Display

4. Samsung Galaxy A70 | 6.7 Inch Display + 4500 Mah Battery + Amoled Display

5. Mi A3 | 32 mp + 48mp + Amoled Display

6. Redmi K20 Pro (24,999 INR) | Snapdragon 855 + 4000 MAH Battery

7. Asus 6z (27,999 INR) | Snapdragon 855 + 5000 MAH Battery

8. Honor View 20 (23,999 INR)

9. LG V40 ThinQ (29,999 INR)

10. Poco F1 (14,999 INR) | Snapdragon 845 + 4000 Mah

Top Wireless Bluetooth Earphones
# Mi AirDots Wireless Headphones BT 5.0 TWS
1. Mivi ThunderBeats
2. Realme Buds Wireless
3. Tagg Inferno
4. boAt Rockerz 255
5. Boult Audio ProBass Curve Neckband  
6. Sony – C400 Wireless Behind-Neck

Best Budget Deals

1. Nokia 6.1 (8,999) 6GB + 64GB + 16MP FRONT BACK
2. Honor 8X (9,999) (9,999) 6.6 Inch Display + 4gb/64gb + triple Slot
3. Samsung Galaxy M30/M30S (11,999) Amoled Display + 4gb/64gb + 5000 Mah Battery
4. Redmi Note 7 Pro (10,999) 48mp + 675 SnapD
5. Vivo z1 Pro (12,999) SD 712 5000 Mah

The list will be updated with all the secret deals every day till sale. Keep coming back.
Also, feel free to ask questions on smartphones, I would be glad to help.

Easy ways to make money from home

With the growth of technology all around us. Money making ways have evolved too of course.
The Internet is not only a platform for killing all your curiosity but it might as well fill in your pockets during your leisure time.

Making money from internet Fast and easy

Now I’m sure most of you might know about the full-time jobs that people do that purely involve the internet such as being a full-time blogger, Youtuber and other such. But that’s a topic for some other time. Right now I’m bringing to you the easiest and fast way to make few bucks.

Hobbies to help you quit your job

So let’s dwell deeper and see what works best for you:

Top Online Tools & Apps for making money Online

1. Clixsense

extra cash online

Image source: Google images
Clixsense is one of the few legitimate PTC (Pay to click) sites out there. This site will pay you for completing surveys, doing micro tasks and viewing advertisements sitting comfortably at your home. It will pay you your earnings through Payoneer, skrill, tango card, and cheque. So make sure to make an account on any of these if you want to choose an online transaction method.

2. Swagbucks

Swagbuk make online

On Swagbucks, you earn points called sb by using their search engine. You can earn a decent pocket change through it and yes it is a legitimate site so don’t worry. But the thing is that there is less scope of earning for people that are not from tier -1 countries. You can redeem your points for gift cards or even Paypal cash.

3. Teespring

teespring deisgn

Its a commerce platform allowing you to create and sell your work. All you have to do is design your shirt, phone cases or mugs and more, and sell them online. You just need to be a member of the spring which is free of cost, and design, there will be no upfront cost on your part, the site will manage all handling, printing, shipping, etc. There are alternate sites that offer similar ways to make money like point collar, my dream store, etc.

4. Shutterstock

shutterstock

Are you into photography? Then this one for you. You are able to convert your photos into passive income. Simply create a photo portfolio for yourself, upload your photos on that platform and rest everything is completely passive. And the good part is that you don’t necessarily need to have the best photography equipment for your photos to be sold, a good phone camera quality images are sold every day on the site, so it is definitely worth checking. All work for selling the photos is handled through the site, and you collect the royalties you receive on your photos every month through PayPal or check. There are various alternative sites for similar work.

5. Proofreading

proofreading make money

Do you have a keen eye for errors? Do you usually find yourself catching grammatical and general errors in newspapers? Well, that’s basically proofreading. Proofreading is the last check for writing before it is printed and published, it’s not the same as editing. It is the last step. Now I didn’t list a site as the heading for it because you can find a lot of sites online which will provide you a job in this area, but here are some legitimate sites, Caitlin Pyle’s Proofread anywhere, Prompt, Cactusglobal, Fiverr, etc.

6. Virtual assistant

virtual assistant

Image source: Google images

You can start your own business in this or get work through freelance sites, the pay ranges from $10 – $50 depending upon the services you offer. A virtual assistant is somewhat similar to that of a secretary or basic office staff, these assistants are used by companies that need more staff to complete work but not in their work location. They do work ranging from social media management of their clients to answering emails, data entry tasks, eCommerce tasks and more.
Sites that offer VA jobs are virtual, Clara, work, guru, etc.


There are other options too if you’re willing to give more time to your work from the job. Let me know if you’d like to see more and I’ll come back with another set of these.

FAQ

How to make money online?

Making money online is not as easy as others say but if you focus on one thing only then no one can stop you from making money online.

Digital Marketing | An Innovative Future Career

Here, I’m going to tell you about digital marketing related stuff starting from it’s basic understanding to career aspects of digital marketing.

Nowadays, almost every services and products are being promoted online, one cannot stop from being web market as people prefer more online sources purchasing rather than going to the mall or shopping center.

What is digital marketing?

It refers to the advertising of services or products to persuade the customers through the use of different channels such as social media, search engines, websites, and email.

Digital marketing is one of the most prominent and exciting careers nowadays. As we all know businesses have been trying to put a considerable amount of time and effort into building their online presence to acquire clients.

Requirements to be a digital marketer:

To be an expert or to start a career in digital marketing one doesn’t need to attend college or university, as it can be learned through both the paid and free methods. There are many free digital marketing courses available online, you can also learn it on your own

The best way to learn digital marketing is by applying what you learn and then learn from what you apply. The loop of learn-apply-learn is the best way to learn digital marketing. Because, every day there is a new trend, a new algorithm or a new update floating in the market and one can never be sure of what to expect.
If you are from Indore India, then there are a lot of offline institutes and classes which teach digital marketing courses at very affordable fees.
Also, there are many Digital marketing companies in Indore which have many openings for internships as well as paid jobs.

The best and in my opinion the only way to understand and learn digital marketing is by getting hands-on experience. The more you start applying and using the theories in real life, the more you get to know it.

The various sources like Websites, Blogs, YouTube and online learning sites are more than enough sources to become a digital marketer.

Some skills like;

Writing: Great content presentation through storytelling works best.

Design: Good design sense have an added advantage.

The digital world is facing such a boom that there is a shortage of good marketers in the industry and also being focused that every organization wants to be the best industry in their field. Hence, most of the industries are looking for skilled marketers rather than certified ones.

Types of digital marketing:

Search engine optimization (SEO)

SEO is the process of optimizing the web pages to make them reach a high position in the search result of Google or other search engines. In other words, it simply focuses on improving the ranking in an organic way (Free). SEO has two different types:

On-page SEO

The ranking of your website partly decided by this factor. These are things that you can influence on your website. These factors include technical aspects and content-related aspects, like the structure of your website or the quality of the copy on your website.

Off-page SEO

These factors include links from other websites, social media attention, and other marketing activities outside your own website. This off-page SEO could be a little difficult to do. The most important of these off-page factors is the number and quality of links pointing towards your site. The more quality sites link to your site, the higher the position your website gets.

PPC

It stands for pay-per-click, another way of marketing online. As the name suggests, you literally pay-per-click. It is a targeted way of buying visits to your site that could end in conversion. It can be a great marketing method if your cost-per-click is low, which will help you get a good return on investment.

Social media marketing (SMM)

In general, social media marketing is the process of marketing through social media sites like Twitter, Facebook, Instagram, and YouTube. By utilizing the social aspect of the web, social media marketing is able to connect and interact on a much more personalized and dynamic level compared to traditional marketing.

A social media marketing strategy can be as simple as having a company blog, a Twitter account, or including social share buttons at the end of articles. It can also be as complicated as having a full campaign that encompasses producing viral videos through YouTube, using paid Facebook advertising and launching contests on Instagram.

Content marketing

It is marketing that mainly focuses on creating quality, useful and relevant content to attract potential customers to the site. The type of content you share is closely related to what you sell; in other words, you’re educating people so that they know, like, and trust you enough to do business with you.

The aim is to retain existing clients including doing more business with them and to attract new high-quality clients.

Affiliate marketing

It is an online sales technique that helps product owners to increase sales by allowing others through which they get commission by recommending the product to others. Which helps affiliates to earn money on product sales without creating own products.

Email marketing: It is a way to reach out to customers through email. It is a way to reach thousands of potential customers directly at a relatively low cost when compared to advertising or other forms of media exposure.

Email marketing also provides an easy way to track how effective it is. By keeping track of how many hits your website gets after a mass mailing, it’s easy to gauge whether this technique works for your organization. It is also a way to target existing clients back to your business.

Why choose a career in digital marketing?

There have been enormous opportunities available for digital marketers with finely tuned skills.

The average salary for digital marketers;

Digital marketing executive: 1.5-4 LPA
Digital marketing specialist: 2-6 LPA
Digital marketing head: 10-30 LPA

Learn Digital marketing online step by step

General FAQ

What is digital marketing?

Digital marketing is online advertising done with the help of Social Media, Mobile Phones, Emails, Web applications, Search Engines, Websites, or by any digital channels.

What is a digital marketing Course?

A digital marketing course is a way of educating yourself to learn all the digital channels from which digital marketing can be done.

What are the top digital marketing channels?

  1. Search Engines
  2. Web Applications
  3. Social Media Apps
  4. Websites
  5. Emails

The Illusion of free will

First off “what is free will?”  Internet says “it’s the power of acting without the constraint of necessity or fate; the ability to act at one’s own discretion.” But does such a thing exist? Are we really the writers of our own fate? Are we the captain of our ship sailing across the oceans as we wish? Or are we canoeing in restless rivers going with the flow in the illusion that everything is under control? Are we controlling the world around us? Or is the world around controlling us?                                      

Image result for the illusion of free will

Whenever you come across a new phenomenon your hippocampus stores it in your memory along with all the emotions you had towards the phenomenon(Don’t forget that emotions are nothing but the reflection of chemical conditions of your body). Each thought you have in the present and all your actions are a product of the present state of the universe. We are all influenced by something or the other in our vicinity and none of those conditions are created by us, and neither do we control our responses to these influences.

The free will of a human is nothing more than a natural phenomenon controlled by forces of nature itself. These controlling forces may be Image result for the illusion of free willsignificantly visible or obscure but nonetheless command man’s ideas and consent throughout his existence. Even reactions compelled in him are due to the actions made by others but not of his free will.

Let me give you an example. You go to a shop and let’s say that you buy a dress and you might think the dress you bought was through your free will. But the very fact that there were a limited number of varieties in the shop forces you to choose among what’s present there and again the reason for you to select a particular dress depends on the state of the universe, e.g.: the price tag, the sizes available, the marketing skills of the seller, your budget, etc. these all factors come together and force you to come to a decision.                                                                                                                                                Most of the businesses make the best use of this by subtly creating an illusion of free will that we are purchasing their product at our own discretion and not by their influence, thereby satisfying our ego. Even if we are clever enough to notice that and we still act in the same manner its because we do not have an alternative to satisfying our needs other than getting influenced anyways.

See the source image

Thoughts give you the illusion of free will as long as you forget that you don’t create your thoughts

What makes the illusion so convincing is that the body is programmed to follow and invest in its thoughts, and so we do. But what’s forgotten/missed/overlooked is that you have no said so in which thoughts arise in you! In order to see this clearly, you have to take a step back and get some space between you and the arising thoughts. Next, sincerely ask yourself, “If I create my thoughts, what is my next thought going to be about?” After all, if you are actually creating your thoughts, you would know every word. But the truth is you don’t.

Note that this is not a bad thing or a good thing, but simply seeing LIFE as it actually is, rather than how we imagine or wish it to be. Another example of the seeing through of the egoic illusion that you create your thoughts is this:See the source image

If my thoughts actually had the power to alter reality, then I could just wish/think/believe that everyone on the freeway should get out of my way so I can get to where I need to go. But the problem with this is that what do you think the person behind me is doing?? That’s right, they want me to get out of the way so they can get where they areImage result for the illusion of free will going!! Do you see how this whole idea of individual control over reality simply falls apart upon close inspection?

We are nothing but the books we read, the movies we watch, the music we listen to, the people we interact with and the daily happenings we experience in our lives.  This argument is absolutely true in every manner but beware that you don’t lose your morals on the way while getting used to it.

Think about what made you click the link to this article. Was it through your own will? I don’t think so, pal. Did you like this write-up? If No, Something has influenced you to do not like this article. You know you should get rid of that feeling.

This is why LIFE’s natural and inherent peace comes from letting go of this egoic illusion of doership, and simply flowing with Life’s natural harmony. It’s a heart based, intuitive, feeling based experience, rather than a head based, thoughts/belief based one.

{If i Ain”t bothering you too much then read this too – Even this article is influenced in innumerable ways and has no free WILL.}

The Palace of Illusions