Cybersecurity – Protect Systems Networks and Programs

What is cybersecurity?

In simplest terms, cybersecurity is the practice of protecting systems, networks, and programs from digital attacks.

These cyber-attacks are usually aimed at accessing, changing or destroying sensitive information, extorting money from users or interrupting normal business processes. Implementing effective cybersecurity measures is particularly challenging today because there are more devices than people, and attackers are becoming more innovative.

What is cybersecurity?

Cyberattacks

Talking about cyberattacks, they are a malicious and deliberate attempt by an individual or organization to breach the information system of another individual or organization. Usually, the attacker seeks some type of benefit from disrupting the victim’s network.

Cyberattacks might hit an individual’s personal network or businesses, whether they be small scale or large scale. The frequency of cyberattacks has increased manifold in the last 2 years and is expected to increase further every consecutive year. A cybercrime might be committed with ulterior motives as well, and such a practice has even been given a name called ‘Hacktivism’.

Cyberattacks

What is BOTNET?

A botnet is a network of devices that have been infected with malicious software, such as a virus. Attackers can control a botnet as a group without the owner’s knowledge with the goal of increasing the magnitude of their attacks. A botnet is used to overwhelm systems in a distributed-denial-of-service attack (DDoS) attack.

Botnet

TYPES OF CYBER ATTACKS

1. Phishing

Phishing is commonly known as ‘Identity Theft’. It is the practice of sending fraudulent communications that appear to come from a reputable source, usually through email. The goal is to steal sensitive data like credit card and login information or to install malware on the victim’s machine.

Read more about phishing here: http://www.phishing.org/phishing-and-identity-theft

Phishing

2. Malware

Malware is a type of software designed to gain unauthorized access or to cause damage to a computer. Malware breaches a network through a vulnerability, typically when a user clicks a dangerous link or email attachment that then installs risky software. Once inside the system, malware can do the following:

  • Install additional harmful software on the machine
  • Obtain information by transmitting data from the hard drive
  • Disrupt certain components and render the system inoperable
Malware

3. Ransomware

Ransomware is a type of malicious software designed to extort money by blocking access to files or the computer system until the ransom is paid. Paying the ransom does not guarantee that the files will be recovered or the system will be restored.

Ransomware

4. Denial-of-Service Attack (DoS)

A denial-of-service attack floods systems, servers, or networks with traffic to exhaust resources and bandwidth. As a result, the system is unable to fulfill legitimate requests. Attackers can also use multiple compromised devices to launch this attack. This is known as a distributed-denial-of-service (DDoS) attack.

Learn more about DoS here: https://www.webopedia.com/TERM/D/DDoS_attack.html

Ddos attack

5. Hacking (DDoS, Key Logging, Cookie Theft)

The one word that gets thrown around far too often when discussing cyber threats is hacking, however, it tends to lose its impact and the true nature of it becomes blurred.

Hacking is differentiated into three types:

  • White Hat: The ethical one
  • Black Hat: The unethical one
  • Hacktivism: “Thinks they’re doing good” kind but the intent is usually wrong
hacking

6. Man-in-the-Middle Attack (MitM)

Man-in-the-middle (MitM) attacks, also known as eavesdropping attacks, occur when attackers insert themselves into a two-party transaction. Once the attackers interrupt the traffic, they can filter and steal data.

On unsecured public Wi-Fi, attackers can insert themselves between a visitor’s device and the network. Without knowing, the visitor passes all information through the attacker. Once the malware has breached a device, an attacker can install software to process all of the victim’s information.

Middle attack

7. SQL Injection

A Structured Query Language (SQL) injection occurs when an attacker inserts malicious code into a server that uses SQL and forces the server to reveal information it normally would not. An attacker could carry out a SQL injection simply by submitting malicious code into a vulnerable website search box.

sql injection

A successful cybersecurity approach has multiple layers of protection spread across the computer networks, programs, or data that one intends to keep safe. In an organization, the people, processes, and technology must all complement one another to create an effective defense from cyberattacks.

Technology is essential to giving organizations and individuals the computer security tools needed to protect themselves from cyberattacks. Three main entities must be protected: endpoint devices like computers, smart devices, and routers; networks; and the cloud. Common technology used to protect these entities include next-generation firewalls, DNS filtering, malware protection, antivirus software, and email security solutions.

CYBERSECURITY MEASURES

Potential businesses can take measures to safeguard their information from attackers. Being a victim to cybercrime can be prevented following these cost-effective strategies:

1. Enforce the use of complex passwords

Whether it is the answers to security questions or the passwords, make sure you create complex ones to make it difficult for hackers to crack them. For answers to security questions, consider translating them into another language using free online translations tools. This may make them unpredictable and difficult to decipher, and less susceptible to social engineering.

Using space before and/or after your passwords is also a good idea to throw the hacker off. That way, even if you write your password down, it would be safe as only you would know that it also needs a space at the front and end. Using a combination of upper and lower cases also helps, apart from using alphanumeric characters and symbols.

complex password for preotection

2. Use Firewall

In addition to the standard external firewall, many companies are starting to install internal firewalls to provide additional protection. It’s also important that employees working from home install a firewall on their home network as well. Consider providing firewall software and support for home networks to ensure compliance.

It can stop hackers from attacking your network by blocking certain websites. It can also be programmed so that sending out proprietary data and confidential emails from your company’s network are restricted.

Firewall software

3. Install Antivirus

A reliable antivirus program is a basic must-have of any cybersecurity system. Apart from that, anti-malware software is also essential. They work as the final frontier for defending unwanted attacks, should they get through your security network.

They work by detecting and removing viruses and malware, adware and spyware. They also scan through and filter out potentially harmful downloads and emails.

virus removal antivirus

4. Use Multi-Factor Authentication (MFA)

Multi-Factor Authentication helps you protect sensitive data by adding an extra layer of security, leaving malicious actors with almost no chance to log in as if they were you. Even if a malicious actor had your password, they would still need your second and maybe third “factor” of authentication, such as a security token, your mobile phone, your fingerprint, or your voice. As an added benefit, MFA also allows you to clearly distinguish among users of shared accounts, improving your access control.

multi factor authentication

5. Make a backup of your data

Every week, either back up your data to an external hard drive or the cloud yourself, or schedule automated backups to ensure that your information is stored safely. That way, even if your systems are compromised, you still have your information safe with you.

backup

6. Limit access to critical data

Granting new employees all privileges by default allows them to access sensitive data even if they don’t necessarily need to. Such an approach increases the risk of insider threats and allows hackers to get access to sensitive data as soon as any of your employee accounts is compromised.  

In other words, assign each new account the fewest privileges possible and escalate privileges if necessary. And when access to sensitive data is no longer needed, all corresponding privileges should be immediately revoked.

hide critical data

CYBERSECURITY: NEED OF THE HOUR

In today’s world, everyone benefits from advanced cyber defense programs. At an individual level, a cybersecurity attack can result in everything from identity theft, to extortion attempts, to the loss of important data like family photos. Everyone relies on critical infrastructures like power plants, hospitals, and financial service companies. Securing these and other organizations is essential to keeping our society functioning.

With new attacks being reported every other day, following best practices and developing your organization’s overall understanding of the risks posed you can find yourself in a much more secure position. There is no way to completely ensure your system is impenetrable but you can make you or your company less of a target by following the simple cybersecurity measures.

8 Best Apps for Instant Personal Loan

Whenever you have a cash emergency and your peers and family are unable to help you or If you need a large amount of money, You might approach financial institutions but the processing time will be around few weeks.

In these situations, some of these apps can help you by providing instant personal loans, with less paperwork and documents. The processing time will be around 3-5 days.

1. Paysense

Image result for paysense

PaySense is the Mumbai based venture-backed financial services startup founded in 2015. The main aim of PaySense is making finance more simple, accessible and transparent.

  • Get instant personal loans from ₹5000 to ₹5 lakh to fit all your needs and dreams
  • Get prompt loan approval and money in your account
  • Doorstep collection of documents; just sign & hand over the required documents to the courier
  • Easy to manage EMI plans with reminders and auto-debit features so that you don’t miss out on timely payments

The interest will be around 17% based on your risk profile. Your request will be processed in 3-4 days once KYC documents and bank statements are submitted.

2. Kredit Bee

Image result for kredit bee

KreditBee offers instant Personal loan up to ₹ 1 Lakh at competitive interest rates. Thanks to the minimal documentation and processing time required, the entire loan application process (from profile creation to disbursement) takes less than 10 minutes.

It is also completely online, through the KreditBee app. That way, a lot of time and effort is saved as there is no manual intervention required. Upon approval of your documents, the loan amount is transferred directly to your bank account within minutes. You needn’t worry about rigid repayment schedules either, as they are flexible and can be set based on your repayment capacity. 

3. Indiabulls Dhani

Image result for indiabulls dhani

Indiabulls Dhani is backed by Indiabulls ventures. You can get a personal loan from 1000 to 15 Lakh using this app. The interest rates will be ranging from 1% to 3.17% per month depending upon the risk profile of the customer. The tenure will be around 3 months to 36 months, customers can choose the tenure.

The processing fee ranges from 1.5% to 6%. Zero foreclosure charges on loans below 20000 Rs

4. Cashe

Image result for cashe

CASHe is the mobile app through which you can avail the instant personal loan from Rs. 10000 to Rs. 200000. The loan approval process is really fast and easy. You can avail the loan for 15, 30, 90 and 180 days.

CASHe has a unique credit ranking system called Social Loan Quotient (SLQ). The SLQ system is based on big data analytics, Artificial Intelligence and predictive tool to calculate SLQ score. This basically predicts your current social behavior and future behavior.

The credit risk through SLQ is calculated based on the various aspect like a mobile and social footprint, education, monthly income etc.

Salient Features of CASHe App :

  • Send up to Rs. 2000 to any of your mobile phone contact using CASHe app
  • Its SLQ (Social Loan Quotient) uses your social media footprint to determine your creditworthiness
  • CASHe uses Blockchain technology to offer loans
  • Paperless loan application

5. EarlySalary

Image result for earlysalary

EarlySalary is projected as a salary advance and Instant Personal Loan App. You can get a loan up to 2 lakhs. No credit history required for availing loan using this app. This app can be used at Amazon, Flipkart and Big Bazaar, etc

The interest rate applicable on loan amount is 24-25% i.e, 2-2.5% per month. The EarlySalary app can be used to avail loan at specific cities. There is no processing fee required for availing loan using this app.

6. MoneyTap

Image result for moneytap

MoneyTap is among best instant personal loan apps where you pay interest only on the withdrawn amount.

  1. Through a simple and secure registration process, fill up basic details such as your age, city, PAN number, income.
  2. Once you have received your pre-approved line of credit amount, we’ll schedule a KYC visit from Moneytap registered banking partners to collect your KYC documentation for final approval.
  3. Borrow as little as ₹ 3,000, or up to your approved limit, 24/7. Use your MoneyTap credit card anywhere, anytime. 
  4. Repay your borrowed amount in flexible EMIs of 2-36 months right from the app with one tap
  5. Keep track of all your transactions and details, EMIs and available credit limit right from your MoneyTap account.

The maximum loan amount offered by this app is 5 Lakh.

7. Moneyview

Image result for moneyview

Moneyview is a personal loan app that allows customers to apply for a loan through the app, without collateral. All you have to do is upload relevant documents and in a few hours, get to know if they have been approved or not.

Moneyview provides loans ranging from Rs 25,000 to Rs 2 Lakh, with repayment tenures of 3 to 12 months. This can be a great way to fund big-ticket purchase or expenses.

8. Upwards

Image result for upwards loan

Upwards is a Mumbai based short-term loan provider for salaried people in India. You can take personal loan between Rs. 15000 to Rs. 50000 through the mobile app. The process of taking loan is completely paperless and it takes no more than 1 day for loan approval.

The loan can be avail in major 30 cities of India that includes Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Jaipur, Pune, Indore, Bhopal, Coimbatore & Ahmedabad.

You can avail the loan for weddings, home renovation, medical emergencies, travel, gadget purchase, debt consolidation, etc.

Eligibility for availing loan through Upwards

  • A salaried person with a minimum take-home salary of Rs. 15000/month
  • Age above 24 years and below 50 years
  • Resident Indian
  • CIBIL score should be above 625
  • Purpose of the loan must be matching with the list


5G Mobile Technology – Next-Gen Wireless

5G is the upcoming mobile technology that has the potential to revolutionize the way people use the internet. In today’s fast-paced world, wireless industries are investing heavily in this technology to cater to the needs of rising mobile data consumption and faster connectivity.

It offers considerably improved download speed on smartphones and other devices than ever before with an average to be of the order of a few Gbps.

5G Mobile Technology

To understand why this “race to 5G” even a question when 4G is offering plethora of satisfactory features already, let’s look at the history to realize how technology has evolved from using a 1G phone as a basic way to talk wirelessly to a 5G smartphone that can stream 4K, or even 8K videos without buffering.  

HISTORY OF WIRELESS MOBILE TECHNOLOGY

The first generation wireless mobile technology was introduced in the early 1980s and a new mobile telecommunications technology is released roughly every 10 years. They have different speeds and features that improve on the previous generation. The next generation is 5G, which is scheduled to launch in 2020.

Next generation Technology 5G

1G: Only Voice

Remember those sinusoidal and other trigonometric waves we studied in high school? That’s what analog signals are made of and these cellular phones used them. 1G supported voice-only calls. 1G phones using it had poor battery life and voice quality, little security and were prone to dropped calls. The maximum speed of 1G technology was 2.4 KBps.

2G: SMS and MMS

The 2G telephone technology introduced call and text encryption, along with data services such as SMS, picture messages and MMS. The maximum speed of 2G with General Packet Radio Service (GPRS) was 50 KBps. The speed was 1 MBps with Enhanced Data Rates for GSM Evolution (EDGE).

2.5G and 2.75G: Data

Before making the major leap from 2G to 3G wireless networks, the lesser-known 2.5G and 2.75G were interim standards that bridged the gap to make data transmission possible. 2.5G introduced a new packet switching technique that was more efficient than 2G technology. This led to 2.75G, which provided three times more speed.

3G: More Data

The introduction of the 3G network resulted in faster data transmission speeds so as to use the cell phone in a more efficient way such as for video calling and mobile internet access. The term “mobile broadband” was first applied to 3G cellular technology. Like 2G, 3G evolved into the much faster 3.5G and 3.75G as more features were introduced to bring about 4G. The maximum speed of 3G is around 2 MBps for non-moving devices and 384 KBps in moving vehicles.

4G: The Current Standard

The fourth generation of networking released in 2008 is 4G. It supports mobile web access like 3G does and also gaming services, HD mobile TV, video conferencing, 3D TV and other features that require high speeds. The maximum speed of a 4G network when the device is moving is 100 MBps and 1 Gbps when the person is at rest.

5G: Yet to Come

5G will definitely be an improvement on 4G. It promises significantly faster data rates, higher connection density, much lower latency, and energy savings. The predicted speed of 5G connections is up to 20 Gbps.

5G: Yet to Come

To understand how 5G will differ from 4G in terms of technologies it will use, refer to https://spectrum.ieee.org/video/telecom/wireless/everything-you-need-to-know-about-5g

FEATURES OF 5G TECHNOLOGY

1. High Speed

5G speeds will vary between locations, countries, carriers, and devices, but on the whole, the average internet speed can be expected to be much greater than what’s currently offered on 4G. While a 4G network is capable of offering speeds of up to a maximum of 50 MBps, in 5G, we are talking about internet speed crossing the 10GBps mark on an average.

Imagine a scenario where you have to download a 4GB movie. While on 3G it would take a few weeks, you would manage to download that movie within a day on a 4G network and on 5G it would be done in just about a few minutes.

High Speed

2. Capacity

People are often faced with poor internet speed despite high cellular density, it’s not because of lack of internet or data bandwidth, but due to a critical flaw with the delivery mechanism of the 4G network. The new 5G network will come with more than 100 times more device handling capacity. It means more people or devices would be able to connect to a given network without degrading its performance for the rest of the users.

Capacity

3. Low Latency

The thing that people hate the most while surfing the internet is excessive loading time. The current 4G networks can only offer latency as low as 50ms which makes it unsuitable for critical applications. 5G, on the other hand, offers an ultra-low latency of 1ms which means an instant response from the network and devices using that network, meaning that even 4K streaming of videos would be virtually lag-free.

Low Latency

4. Improved Battery Life

5G is not just one technology, it is actually a combination of several technologies in one. The system, however, is smart and knows when to make use of which technology for maximum efficiency. Thereby, this constant monitoring allows the network to offer the best possible connection to the devices and thereby reducing a major load off of them to keep searching for a better network and thereby increasing the battery life of devices such as phones.

Improved Battery Life

REAL LIFE USE CASES OF 5G

Each new generation wireless network came with all new set of new usages. 5G will make no exception and will be focused on IoT and critical communications applications. In terms of agenda, 5G will have the following use cases:

  1. Fixed wireless access
  2. Enhanced mobile broadband with 4G fall-back
  3. Massive M2M (Machine-to-machine)/IoT (2021)
  4. Ultra low-latency IoT critical communications (2024).
REAL LIFE USE CASES OF 5G

CHALLENGES IN IMPLEMENTING 5G TECHNOLOGY

Starting from 1G to 5G, the journey is merely of about 40 years old. However, in this journey, the common challenges that can be observed are lack of infrastructure, research methodology, and cost.

IMPLEMENTING 5G TECHNOLOGY

The challenges of 5G are categorized into the following:

1. Technical Challenges

  • Traffic Management: A great number of Machine to Machine (M2M) devices in a cell may cause serious system challenges i.e. radio access network (RAN) challenges, which will cause overload and congestion.
  • Medium Access Control: In a situation where the dense deployment of access points and user terminals are required, the user throughput will be low, latency will be high and hotspots will not be competent to cellular technology to provide high throughput.
  • Inter-cell Interference: There is variations in the size of traditional macro cells and concurrent small cells that will lead to interference.

2. Recurrent Challenges

  • Security and Privacy: 5G will have to define the uncertainties related to security threats including trust, privacy, cybersecurity, which are growing across the globe.
  • Communication and Navigation: Though 5G technology has a strong computational power to process the huge volume of data coming from different and distinct sources, it needs larger infrastructure support.
  • Multiple Services: 5G would have a huge task to offer services to heterogeneous networks, technologies, and devices operating in different geographic regions. So, the challenge is of standardization to provide dynamic, universal, user-centric, and data-rich wireless services to fulfill the high expectation of people.
5g services in india mumbai

The projected adoption rate for 5G differs drastically from all previous generation networks while previous technology was driven by mobile internet usage, 5G is expected to be mainly driven by new IoT usages, such as connected and self-driving cars.

The perception of speed, instantaneous response time and performance for IoT will become a reality. The well-expected success of self-driving cars will only be possible when 5G networks are available. 5G for consumers means not just faster mobile internet, but mainly internet connectivity in many more objects than what we see today.

Habits that will improve you and make you rich

There are no secrets to getting rich overnight. It is a long process and requires strict discipline and certain habits on a daily basis. There are a lot of factors that will help you in getting rich, habits is one of them and is a very important one.

There are three types of people in the world. One is poor, second is average or middle class and third is rich and wealthy persons. Each of them has different habits because of which they are poor, average or rich.

Today, we are talking about such habits of rich persons that will make them rich. If you have these habits or acquire these habits with time, I promise it will help you in acquiring long term success. Change your habits now and take the first step towards getting rich.

Spending Habits

 Spending Habits

You are not a shopping freak and don’t shop just for the sake of shopping. You shop only when you really require something and that too on its actual cost(You bargain as much as possible). You keep your spending as low as possible.

You didn’t buy every gadget that launch in the market and every fancy vehicle. You save money and invest it in the right way so that your money can generate more money. I am not saying don’t have fun, but have fun on the money your money earned for you(investing) and not on your hard-earned money. First, create your asset column and made your hard-earned money work for you then buy as much luxury as you want from it and invest again what is left so that your asset column can increase.

Time is the King

 Time is the King
Stressed businessman rushing in the office

This is one of the most important factors in getting rich. You don’t waste your much time in gossiping, swiping social media sites, watching tv, playing games and watching every movie and series. Instead, you like to invest your time. You know how to invest your time wisely and where.

Everyone has the same time for a day to spend. You knew you have to make most out of it if you want to achieve something. When most of your friends are sleeping or partying, you are working hard silently so that you can earn what they are losing. Time is money and you know that.

Spending your time wisely is definitely gonna help you in the future. Invest your time in things that matter and you will achieve your goal.

Believe in action, not in theory

 Believe in action, not in theory

You are the man of action. It is true that most of the people focus on theory only and are too afraid to implement it. Everyone has the theoretical knowledge but there are very few people who can implement it actually.

You are different from them. You believe in implementing what you have learned. You never settle for theory only. If you read and take action on what you have understood, you are already ahead of most of the people who only read it and are too afraid or lazy to implement.

Uniqueness is the key

 Uniqueness is the key

“Be Best and you become the No. 1, be unique and you become only the one.”

You are different than people around you and you feel it every time. Your habits are different from your friends and you like to do what everyone is not doing. Suppose when your group is sitting on the coffee table and gossiping you are the quiet one, you are thinking about your work and how you can improve it. While everyone is partying on Friday night, you like to work in your pajamas with a cup of coffee. You are able to see the opportunities that everyone else is missing.

You are unique to everyone else and you will achieve what everyone else will not.

Friendly Nature

 Friendly Nature

Being rich is all about developing the right contacts and leads. You are the charm of your group, your group is never complete without you. Making new friends is just a piece of cake for you. You get an appreciation for your work and your personality wherever you go. People admire you and like to listen to your opinion on a certain topic

People who walk alone can never become successful, to build wealth you require trusted contacts whom you can rely on. A perfect and powerful team is the basis of every industry. Try to build contacts as much as you can, wherever you go, maybe a corporate party, an event or a team dinner. But, while making contacts, focus on quality rather than quantity.

Networking is very important if you want to gain wealth. Do you know a person really paid a record-breaking $4.6 Million just to eat lunch with Warren Buffet? Getting in contact with the right person is the secret of getting rich.

7 golden rules to become rich

Top 7 Unique Android Apps you mush have in your phone

Mobile apps are now an integral part of digital strategy, with well over 3 million apps in Google Play. Today, there is big competition in the mobile app market and a number of innovative and beautiful apps are keep uploading by developers daily.

So let us look at some of the unique Android apps

1. Brave Browser

Brave Browser

Built on the top of the blockchain, Brave browser is one of the best browsers as of now. Brave makes a browser based on Google Chrome that blocks tracking scripts and other technologies that spy on your online activity. As a result, it also blocks many web ads; if you visit WIRED.com using the Brave browser, you won’t see any ads.

 Brave will give users the option to see ads that Eich says will respect your privacy. The ads will appear as desktop notifications, he says, not as replacements for the ads the Brave browser blocks. So you still won’t see ads on WIRED.com, but you might see them elsewhere on your screen. If you choose to see these ads, you’ll get 70 percent of the revenue they generate.

2. Microsoft Launcher

Microsoft Launcher

Microsoft Launcher is an application for the Android mobile platform created by Microsoft as a lightweight, fast, and efficient simplification of the Android user experience.

Features of the application include a customizable feed that displays relevant and personalized information for the user, such as news feed, to-do lists, calendar events, recent activity, and more. 

One can swipe up from the bottom of the screen to reveal application shortcuts, and the application tray includes a search bar and recently installed apps at the top. Design elements are highly personalizable with a wide range of options, such as having the Bing daily wallpaper as a background image on the lock screen and/or home screen.

3. Dashlane Password Manager

Dashlane Password Manager

Password managers are a necessity for business and home internet users. The security features in Dashlane protect passwords by storing them locally using AES-256 encryption. Users access their account information by using a single master password that is never recorded or transmitted.

 The application has a fully-featured digital wallet that can aggregate credit cards, bank accounts, IDs and other personal information, as well as automatically fill that information for users during online experiences like check-out. Other security features in Dashlane include automatic password generation, a security dashboard, security breach alerts, and an automatic password changer.

4. Pocket Sense

Pocket Sense

Stop worrying about the pickpockets or mobile thieves around you while traveling or public places. Pocket Sense application will ease your tension with our smart solution. Install the Pocket Sense app and enable the Pocket Sense mode. 

That’s it! Now, you will get notified through an alarm if any mobile thief takes the mobile out of your pants pocket. You can turn off the alarm simply by unlocking the mobile or by turning off the pocket sense mode.

How it works:

  • You need to download the app from Google Play Store at Pocket Sense.
  • Set a delay time for the alarm to 5/10/15 seconds.
  • Enable Pocket Sense Mode in the app before keeping it in your pocket while traveling in a means of public transport or passing through a crowded place where you believe the pick-pockets would steal your mobile.
  • If you take out the mobile and unlock its lock screen within the delay time, nothing will happen.
  • If someone else takes the mobile out of your pocket and didn’t unlock the mobile within the delay time (which they couldn’t do), the app will start ringing the alarm!

5. ActionDash

ActionDash

With Android 9 Pie, Google also introduced a great new feature called Digital Wellbeing. This allows users to get insights into how much time they spend on specific apps, their usage of their smartphones, and even set limits to the amount of time in a day they can use specific apps.

ActionDash, an app developed by Action Launcher, is now available to download for compatible devices on the Google Play Store. The app offers statistics on which apps you use, how much time you spend on each app and how many times you launch the apps. The timers can be set for weekly, daily and hourly data on your usage, and you can also find out how many times you’ve launched specific apps.

While ActionDash is free, a paid version called ActionDash Plus – which costs Rs. 100 – unlocks all of the additional features and functions. However, the key statistics and information are available in the free version itself, so you won’t find yourself wanting for more features even in the base version. There’s also a promise of data privacy, with all of your usage statistics remaining on the device and not even shared with the developer.

6. AiCut

AiCut

Make eye-catching photos with Aicut! Quick and easy AI separation let you use two different filters in one photo. Now comes with multiple presets (including Portrait Mode / Background Blur / Bokeh) to make your photos really pop!

When your photos are perfectly fine, but not in some parts, AI-powered photo editing app – Aicut will help you out!

You can separate people, objects from a background with AiCut! By editing and applying unique filters to yourself and background separately, you can make your photos more vivid and beautiful like celebrities!

7. SpotOn Alarm

SpotOn Alarm

SpotOn Sleep/Wake Timer for Spotify lets you set a timer to fall asleep and wake up to your favorite tracks, albums and playlists.

Fall asleep and wake up to your favorite music


• Play any track, playlist, and album from Spotify
• Slowly fade-out music at night and fade-in in the morning
• Use it on your phone or tablet
• Play music on other devices using Spotify Connect

WHY YOU SHOULD AVOID INVESTING IN ULIPs (Endowment plan)

Understanding of ULIP in simple terms:

ULIPs are unit-linked insurance plan. It is an endowment policy wherein the premium that you pay is made up of two components.

  1. One part is used to provide life insurance (Coverage/protection)
  2. Other bigger part is invested in equity, bonds or mutual funds.

In this fund, the value will be paid as maturity benefits. In case of death during the policy term, the sum assured or fund value whichever is higher will be paid out to nominee. 

AVOID INVESTING IN ULIPs

Following are the major reasons why you should not invest in ULIPS:

1. Lock-In Period

ULIPS have a minimum lock-in period of 5 years for the tax-saving purpose which is very huge period as compare to other instruments available in the market. For Example ELSS Mutual Fund have a minimum lock-in period of 3 years for saving.

2. Rigid Terms & Conditions:

a.) ULIPs don’t allow the investor to change the insurer or the policy. Ulips do not extend the same flexibility and an investor gets stuck with a policy till the end of the term.

b.) You can surrender a ULIP anytime. But you won’t get your funds back until the mandatory lock-in period is over. Even after your lock-in period is over you can withdraw an only a certain percentage of your premiums paid.

c.) In such a case investor is stuck with a policy because he cannot give up his/her ULIP as it is not recommended because he will lose out handsome returns.

3. The mixture of insurance an Investment

ULIPs are insurance policies with the dual purpose of providing an insurance cover as well as earn you a return by investing. Never mix these two important aspects of your financial life. The purpose of insurance is to protect your family in case of any exigencies. The purpose of investment is to build wealth over time. 

4. ULIPS Cannot be widely tracked

Performance of Ulips cannot be widely tracked so an investor might not know what exactly he will get on maturity. These have a less transparent structure concerning the underlying expenses and asset allocation.

5. Returns

ULIP also generates very low returns (6–8% yearly) like any other endowment policy which doesn’t even beat the inflation in the long run.

6. Risky Instruments.

Ulips are riskier instruments as a major portion of our investment is invested in equity, bonds or mutual funds as per investor choice. An investor can choose which funds to invest in based on his/her risk appetite. Invest in low-risk funds and get low but stable returns or invest in high-risk funds and get high but riskier returns – it’s your prerogative.

7. Heavy Costs and Charges in ULIPS

ULIP deduct following charges from your monthly or annual premium which reduce the amount which is actually invested.

Premium allocation charges

Policy administration charges

Mortality charges

Fund management charges

Surrender charges

For example: if you invest Rs 100 in a ULIP, almost Rs 20-30 can go as upfront commission to the agents, Rs 10 can go towards an insurance premium and only the balance of Rs 60 or 70 is invested.

Because of these charges, ULIP returns become inferior as compare to other investment options available in the market.

8. ULIP v/Mutual Funds

Let’s imagine Mr. A had invested the ₹7 lakh in a ULIP and Mr. B had also invested the same amount in a mutual fund over 5 years. Unit-linked Insurance Plan (ULIP) have typically given around 7% returns after 5 years while mutual funds have generated 15% in the long run.

 Thus it is clear that ULIP returns underperform mutual funds by more than 60% in 5 years even after deducting LTCG tax from mutual fund returns!

9. ULIP  v/s TERM PLAN

ULIP TERM INSURANCE
Combination of Insurance & Investment Pure Insurance
Minimum 5 yrs Lock-in period No Lock-In period
Eligible u/s 80C Eligible u/s 80C
Very High Premiums Very Low Premium

In the case of ULIPS, to generate a life cover of 1 Crore you need to pay Rs. 6.70 lakh as an annual premium while in case of term insurance to generate a life cover of 1 Crore you need to pay only Rs 8000/- as an annual premium which is very low as compare to Ulips.

Thus ULIP is costlier by 80 times to a competing term plan for life insurance!

So I believe ULIP is neither a good investment option nor an insurance plan.

IMPORTANT TIPS:

  1. Use mutual funds and other avenues like PPF, EPF, etc to plan for your long term wealth.
  2. The best investment strategy takes pure term policy as much long you take and rest invest in a mutual fund
  3. For 80C benefit invest in ELSS Funds.

Also, read Top Financial Mistakes made by Indians

Top Five Online Businesses to Start From Home

The number of Internet users and the amount of business done online around the world is growing at a staggering rate. The opportunity is there for you to create a dynamite business online if you do it right. You have to choose the right business, develop the right Web site for your target market, and build substantial traffic to your Web site. The online customer is extremely demanding, with expectations that exceed those of the offline buyer in many ways. Here I will provide you with a number of online business ideas for your consideration.
You may want to check my last article where I mentioned about top money-making business idea

1. Apartment locator

In a fast-paced life, many individuals travel to different cities or states either for living or to work and it’s never going to be easy as everyone knows it. So by considering this difficult for people, we can start this business by offering them a service. This is a problem that is being solved by many businesses in major cities across the world. We can launch own apartment locator website which could turn out to be a good source of income.

Your main source of income will be referral fees by renting apartments, condominiums, and other properties. You could also charge a
fee for sublets, apartment sharing, and private rental listings. Requests are sent via e-mail from those seeking an apartment to you, the site owner, with a description of the desired apartment location, size, necessities, and so on, that an individual is looking for.

You then take the request and find the best possible location to suit the person’s needs. Once you have found a match, you set up a time for your client to view the apartment. You collect a referral fee if the client signs a lease.

You can start this business with around INR 1 lakh. At the starting phase, you will have to pay to design and develop your website. If you want to develop the database, there will be additional costs involved, the amount will be determined by the level of sophistication, the number of fields. Additional costs associated with opening this business include online advertising costs and any offline promotion that you want to do.

2. Business operating center

The development of the business center is one great resource to bring some additional income. For this first, you’d be required a website where people could post resumes and business organizations can enlist job openings. You can earn money by posting advertising to your site or by allowing businesses to subscribe for your site, whereby they receive information to their needs or you can provide employment for people.

Business operating center

If you want to focus on a specific niche, suppose you want to provide an opportunity for engineering you should have knowledge of that specific industry. If you’re going to provide general business opportunities then all you have to need is some general knowledge of internet and marketing strategy.

If I talk about some information about investment, your cost will mainly consist of website design, development, research, advertising, and maintenance cost. The expected starting cost will range from INR 3 lakh to 5 lakh.

3. Business plan writing service

There is an overwhelming of entrepreneurs out there with notable ideas but they’re facing lacking organizational skills and writing skills to produce a professional business plan. The internet is the ideal platform to provide this service.

Start-up businesses pay a good amount of money to have business plans developed when they are trying to get a loan or funding for the project. A poorly return business plan can deter the chances of receiving money, which is one important reason to have business plans written in professionally. There is a tremendous opportunity to make a lot of money with this business.

Expertise in writing skills and knowledge of the regular business is required to handle this type of work. The ability of how to work with bankers and lenders is one added advantage.

Business plan writing service

The costs associated with this type of business is range from INR 2 lakh to 3.5 lakh, which includes the cost of design, build and hosting of your site and some investment in computer hardware and software. Additional costs could be the advertisement for your service – online and offline.

4. Event and Meeting Planning

To plan a meeting or an event can be a time-consuming task for most people, and a well-done event usually requires a professional’s touch. Since most events are special occasions, the customers are usually more flexible regarding pricing but are still seeking the best deal possible.

To earn money from web-based event planning you need to find clients, their objectives, needs, and requirements. You’ll then make a plan or event for clients by making necessary arrangements.

Generally, this business would pay you as a commission or as a direct charge. Often event planner can ask you for the arrangement for everything. In this case, you must be ready in such involvement.

Event and Meeting Planning
source: Google

Good organizational and communication skills are most needed. Unless you are fortunate enough to be operating in your local area, you will be required to arrange long-distance events too.

The cost of setting up and run this type of business will be approximately INR 1 lakh. Initially, you’ll have to pay for costs to develop your website and hosting charge. In addition, it’ll cost for online and offline advertising. This online business has strong international potential since you will provide services that are universally beneficial. In addition to providing your organizational expertise, you could also start your own affiliate program with your suppliers. That way, even if your customers choose not to use your services directly but use your website to locate a specific supplier, you will earn a referral fee from the business that you helped your supplier get.

5. Interior designer

This business has very great online potential. The designing is becoming extremely important as it affects the productivity of work. If you’re a designer or work in a relevant field then this business could create extra income for you.

For this, clients will find your site and services that you’re providing. Then you’ll consult with the client through any source of communication to search-out their design requirements. You provide the required design service and deliver the final product. This service can be provided on an hourly basis or on a contract basis.

To start this business you should have some designing knowledge or experience for some industry. Basic web publishing knowledge would be another benefit. Whenever you’ll communicate via email to describe suggestions you’d need some knowledge of Adobe Photoshop or some image editing software to convey your ideas.

Interior designer

The cost to start this business would be the design, development, hosting of your web site, computer, some software, scanner, printer, and digital camera. You can start this from home and as a part-time. The initial starting cost ranges from INR 4 lakh to 6 lakh.

This business has international competence, however, the only restricting factor could be a language barrier. This is a challenging and competitive business so to offer quality service your web site has a good source of ideas, tools, and tips so that it can be easy for users to decide what they want.

The development of an affiliate program for business owners of the wall and cover manufacturers and distributors would increase the awareness of your services.

Nanotechnology – The Future!

The branch of technology that is majorly discussed these days is nanotechnology, mostly because of its vast application in everyday life. The term itself speaks what it means, nano means something very small and technology is a branch of science that deals with the application of knowledge for a practical purpose. In more scientific terms, the word nano is a prefix for 10^-9 or one-billionth.

Nanotechnology

Nanotechnology is the study and use of structures varying between 1 and 100 nanometers in size. Just to give you an idea of how small these particles are, you’d be amazed to know that they’re even smaller than a red blood cell in a human body and it would take around eight hundred 100 nanometer particles arranged side by side to match the width of a single strand of human hair.

Human Hair Strand

This is the simplest definition of nanotechnology but many people have argued this only generalizes the term and doesn’t highlight the major aspects of it. So there isn’t one definition that everybody agrees on.

Nanotechnology is definitely a boon in disguise for people. It has enhanced many products that are used today. Almost all the electronic devices made in the last decade use nanotechnology, even the most advanced processor chips. Nanoparticles add strength to the material because they’re closely connected while making it lightweight. Since there is a strong coupling between the particles and consequently no liquid can enter between them, they make fabric water and stain-resistant.

Nanoparticles

Now that you have an idea of how small scale nanotechnologists work with, consider the challenge they face. Think about how difficult it is for many of us to insert the thread through the hole of a needle. Such a comparison helps you imagine the problem scientists face working with nanoparticles that can be one-millionth the size of the thread.

CHALLENGES POSED BY NANOTECHNOLOGY

Environmental Concerns

As of now, there is insufficient data to actually conclude that nanoparticles have adverse effects on the environment, however, two things are of great significance. In free form, nanoparticles can be released in the air or water during production or as a waste byproduct of production and ultimately accumulate in the soil, water or flora. In fixed form, where they are part of a manufactured substance or product, they will ultimately have to be recycled or disposed of as waste.

NANOTECHNOLOGY Environmental Concerns

Nanoparticles might or might not constitute a completely new class of non-biodegradable pollutants. In case they do, it is also not known how such pollutants could be removed from air or water because most traditional filters are not suitable for such tasks because their pores are too big to catch nanoparticles.

2. Health Issues

According to the researches and experiments conducted in laboratories, it is safe to say that the problems caused by regular dust particles won’t be the same compared to nanoparticle dust. The whole life cycle of these particles needs to be taken into account, hence evaluated and various other factors like their storage, distribution, application and potential abuse have to be considered as well. The impact on human beings may vary at different stages of the life cycle.

APPLICATIONS OF NANOTECHNOLOGY

APPLICATIONS OF NANOTECHNOLOGY

Because nanotechnology is essentially a set of techniques that allow manipulation of properties at a very small scale, it can have many applications, such as the ones listed below.

3. Strength of Materials

Nano-sized particles of carbon like nanotubes and buckyballs are extremely strong. Nanotubes and buckyballs are composed of only carbon and their strength comes from special characteristics of the bonds between carbon atoms. One proposed application is bulletproof t-shirts made out of carbon nanotubes.

Strength of Materials

Read https://www.nanowerk.com/spotlight/spotid=1054.php if you’re curious.

4. Medicine

Today, the most harmful side effects of treatments such as chemotherapy are a result of drug delivery methods that don’t pinpoint their intended target cells accurately. Researchers have been able to attach special RNA strands, measuring about 10 nanometers in diameter, to nanoparticles and fill the nanoparticles with a chemotherapy drug. These RNA strands are attracted to cancer cells. When the nanoparticle encounters a cancer cell, it adheres to it and releases the drug into the cancer cell. This directed method of drug delivery has great potential for treating cancer patients while producing less side harmful effects than those produced by conventional chemotherapy.

Nano in Medicine

5. Molecular Manufacturing

If you’re a Star Trek fan, you must remember the replicator, a device that could produce anything. Researchers are working on developing a method called molecular manufacturing that may someday make the Star Trek replicator a reality. This device would use tiny manipulators to position atoms and molecules to build an object as complex as even a desktop computer.

Molecular Manufacturing

6. Micro/Nano Electromechanical Systems

The ability to create gears, mirrors, sensor elements, as well as electronic circuitry in silicon surfaces allows the manufacture of miniature sensors such as those used to activate the airbags in your car. This technique is called MEMS (Micro-Electromechanical Systems). The MEMS technique results in close integration of the mechanical mechanism with the necessary electronic circuit on a single silicon chip, similar to the method used to produce computer chips.

Micro/Nano Electromechanical Systems

FUTURE SCOPE OF NANOTECHNOLOGY

Nanotechnology could bring about the next wave of innovation in science and technology where the possibilities are endless. It has the potential to transform aerospace, agriculture, information technology, national defense, transportation, and many other sectors. The next generation of nanomaterials will be stronger, lighter and more durable than the materials used today in buildings, bridges, airplanes, and automobiles.

Nanotechnology holds great promise for developing revolutionary tools to help create a more energy-efficient world, such as fuel cells, batteries, and solar panels. It can provide solutions for cleaning contaminated soil and water and it will play a critical role in transforming medicine and health care.

SCOPE OF NANOTECHNOLOGY

25 Best Weight loss Tips to stay slim forever

Today I am going to share 26 weight loss tips for effective weight loss.

Image result for Weight loss

1.Water – Main thing for everything.

Drink lots and lots of water .It helps in increase the metabolism. If you take water an hour before lunch or dinner it will reduce your hunger and helps in reducing weight.

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2.Breakfast

Consider eggs for breakfast as egg whites or omlete etc…with one glass of milk.

3.Prefer coffee

Prefer black coffee or coffee with less milk content without sugar it helps in increase metabolism rate by 3–10 %.

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4.Prefer Green Tea

Green tea has antioxidants that will enhance Fat burning like coffee,green tea contains little caffeine percentage.

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5.Intermittent Fasting

It is a Eating Pattern that will reduce the weight by continuous calories intake restriction.

6.Glucomannan Supplement

There is a supplement called glucomannan available in market it will helps in reducing weight.

7.Cut Sugar Intake

Avoid sugar as much as possible in any forms .It is the main component In weight gain.

8.Eat less carbs

Especially for dinner eat foods containing less carbs. There are natural carbs foods available you can take those if you can’t stop eating.

9.Eat More Sea Foods

Seafoods are rich in copper. It will Improve your metabolic process,they will reduce fat regeneration cells and will reduce fat.

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10.Being Mindful at Meals

While eating anything just think of advantages and disadvantages of that food.Eat less and Eat healthy.

11.Start Exercising

Exercise will reduce fat in body and should Be on good diet while exercising.The more you exercise the more fat reduces.

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12.Healthy Foods

Keep healthy foods around in case of hunger you will get when you are on a diet.

13.Eat Spicy Foods

Spicy foods like chilly will helps to reduce fat that will boost your metabolism and will reduces the appetite.

14.Yoga

Yoga will reduce stress and relieves your body.But it will take more compared to gym excercises.There are so many poses in yoga that will reduces fat in body.

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15.Weight lifting

Start lifting less weights with more reps to decrease the fat.Weight Lifting will convert fat to muscles.

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16.Aerobics

Aerobics is an excellent way to reduce fat In your body and also develop physical and mental health.

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17.Eat More Finer

Eating more fibre Increases Chances of weight loss.Almonds are the best thing with more fiber.

18.Vegetables and Fruits

Eat more vegetables and fruits they will contain more fiber and less weight.

Eating less and eating healthy is good for health when you are on diet.

19.CHEWING

chew slowly will digest your food easily and It will help You eat fewer calories.

20.Good Sleep

Maintain good sleep.sleep deprivation can cause fat gain.

21.Food Addiction

More people have great carving for food.If you carve more drink water to reduce hunger.

22.More Protein

Eat more Protein foods and less carbs foods .It will help in reducing weight.

23.Pre Gym Coffee

Pre workout coffee will Improve your performance in gym. It is because of caffeine presence in coffee.You should not take coffee after gym.

24.Avoid Drinks

Avoid Drinks like Pepsi and another bevareges Which contains more sugar content.These will Increase 60% Risk to obesity in childs and adults.

25.Stay Relaxed

Stress is the main reason for weight gain .so stay relaxed and stay focused on your diet and work.

Hope this information helps.

Top 7 Books to get inspired in Life

Reading is definitely one of the best feelings in life. Those who had not felt it yet should listen to Jhumpa Lahiri, She said: “That’s the thing about books. They let you travel without moving your feet.” and I completely agree with this. When you read a book, you simply can’t stop yourself from belonging to the world you are reading.

Life is full of Ups and Downs, when you are motivated, anything seems achievable. But when it lacks, it can be tough to get out of bed. So if you are feeling little low and need some motivation, pick a book from the below list and start reading. Below I have just given the little idea about the book content because I don’t want to spoil your interest in reading.

I am sure once you start reading these books, you will feel motivated, wanted to go out and conquer the world. So let’s get started…

1. The art of happiness (Book by 14th Dalai Lama and Howard C. Cutler)

The art of happiness

Through conversations, stories, and meditations, the Dalai Lama shows us how to conquer day-to-day anxiety, insecurity, anger, and discouragement. Together with Dr. Howard Cutler, he explores many facets of everyday life, including relationships, loss, and the pursuit of wealth.

Talking about the Courage and Hope Dalai Lama states: “There is a saying in Tibetan, ‘Tragedy should be utilized as a source of strength.’ No matter what sort of difficulties, how painful experience is, if we lose our hope, that’s our real disaster.”

Based on 2,500 years of Buddhist meditations mixed with a healthy dose of common sense, The Art of Happiness is a book that crosses the boundaries of traditions to help readers with difficulties common to all human beings.

My favorite line from the Book: “Happiness is not something ready-made. It comes from your own actions.”

About the Author: Howard C. Cutler is an American writer and psychiatrist who practices in Phoenix, Arizona. He is an expert in the science of human happiness.

Rating: 4.4/5

Buy Here: https://amzn.to/2WKGE36

2. Grit: The Power of Passion and Perseverance (Book by Angela Duckworth)

Grit: The Power of Passion and Perseverance

As the word Grit describes itself: Strength of Character

Similarly, this book talks about what goes through your head when you fall down and how that — not talent or luck — makes all the difference.

This must-read book is for anyone striving to succeed. Pioneering psychologist Angela Duckworth shows parents, educators, students, and business people both seasoned and new that the secret to outstanding achievement is not talent but a focused persistence called grit.

In this instant New York Times bestseller, Angela tells the real-life stories of cadets who are struggling through their initial experiences at West Point, teachers trying to work with students in inner-city schools, and insights from high achievers.

My favorite line from the Book: “I won’t just have a job; I’ll have a calling. I’ll challenge myself every day. When I get knocked down, I’ll get back up. I may not be the smartest person in the room, but I’ll strive to be the grittiest.”

About the Author: Angela Lee Duckworth is an American academic, psychologist and popular science author. She is Christopher H. Browne Distinguished Professor of Psychology at the University of Pennsylvania, where she studies grit and self-control.

Rating: 4.5/5

Buy Here: https://amzn.to/2WKGE36

3. The Alchemist (Book by Paulo Coelho)

The Alchemist

This motivational book is one of the bestselling books of all time. This book will show you how to dream, how to listen to your intuition, how to take decisive action in uncertain times, how to choose between most important tasks and important tasks, and how to follow your heart. While reading this book you will realize that the secret to achieving your dreams lie within the very heart of your being. Once you start reading it, you won’t stop until you finish it!

In this book, Paulo Coelho tells the story of a young shepherd boy in Southern Spain has the same dream about a hidden treasure in Egypt, over and over again, which eventually leads him to investigate it. He learns that one day, everyone finds out what their destiny is and that it requires passion and desire to make your destiny become a reality. Along the journey to find the treasure he meets new and strange people, some of which become his friends and touch his heart. The combined teachings of his companions finally lead him to a realization that is much bigger than even the treasure itself.

My favorite line from the book: “And, when you want something, all the universe conspires in helping you to achieve it.”

About the Author: Paulo Coelho de Souza is a Brazilian lyricist and novelist, best known for his novel The Alchemist. In 2014, he uploaded his personal papers online to create a virtual Paulo Coelho Foundation.

Rating: 4.6/5

Buy Here: https://amzn.to/2WKGE36

4. Quiet: The Power of Introverts in a World That Can’t Stop Talking (Book by Susan Cain)

Quiet: The Power of Introverts

There is a line by Jane Austen: “I wish, as well as everybody else, to be perfectly happy; but like everybody else, it must be in my own way.”

This book tells you similar things. Many of us find ourselves Introvert and wish to be like someone who is very extrovert and charms the people with their talk. But you don’t have to be like them, you can have your own way.

In this book, Susan introduces us to successful introverts — from a witty, high-octane public speaker who recharges in solitude after his talks, to a record-breaking salesman who quietly taps into the power of questions. Passionately argued, superbly researched, and filled with indelible stories of real people, Quiet has the power to permanently change how we see introverts and, equally important, how they see themselves.

My favorite line from the book: “There’s zero correlation between being the best talker and having the best ideas.”

About the Author: Susan Horowitz Cain is an American writer and lecturer. The Power of Introverts in a World That Can’t Stop Talking, which argues that modern Western culture misunderstands and undervalues the traits and capabilities of introverted people.

Rating: 4.4/5

Buy Here: https://amzn.to/2WVhJPD

5. Zero to One (Book by Peter Thiel)

Zero to One (Book by Peter Thiel)

If you are in a situation where you don’t know how to take life forward, I will suggest you read this book. Every one of us dreams to do something that no one had ever done, but it disappears with time because of many reasons. This book will motivate you to do the things you always wanted to do.

Peter says: “Doing what someone else already knows how to do takes the world from 1 to n, adding more of something familiar. But when you do something new, you go from 0 to 1. The next Bill Gates will not build an operating system. The next Larry Page or Sergey Brin won’t make a search engine. Tomorrow’s champions will not win by competing ruthlessly in today’s marketplace. They will escape competition altogether because their businesses will be unique.”

My favorite line from the book: “Madness is rare in individuals — but in groups, parties, nations, and ages it is the rule,”

About the Author: Peter Andreas Thiel is an American entrepreneur, venture capitalist, philanthropist, political activist, and author. He is a co-founder of PayPal, Palantir Technologies and Founders Fund.

Rating: 4.3/5

Buy Here: https://amzn.to/2XjXo5V

6. The 7 Habits of Highly Effective People (Book by Stephen R. Covey)

The 7 Habits of Highly Effective People (Book by Stephen R. Covey)

There is a great saying by Henry Ford: “If you always do what you’ve always done, you will always get what you’ve always got.”

This is very true in this Cutthroat competition. If you wanted to achieve something in life you have to do it differently.

Covey says: “Sow a thought, reap an action; sow an action, reap a habit; sow a habit, reap a character; sow a character, reap a destiny.”

While he gets a bit preachy sometimes, Stephen Covey’s road map for a living doesn’t just help you develop better habits. It also convinces you that acquiring them will make you a better person.

My favorite line from the book: “Most people do not listen with the intent to understand; they listen with the intent to reply.”

About the Author: Stephen Richards Covey was an American educator, author, businessman, and keynote speaker. In 1996, Times magazine named him one of the 25 most influential people.

Rating: 4/5

Buy Here: https://amzn.to/2Xov2Hr

7. Think and Grow Rich (Book by Napoleon Hill)

Think and Grow Rich

Once Albert Einstein said: “The world as we have created it is a process of our thinking. It cannot be changed without changing our thinking.”

This book can create a great impact in our life, it helps us to change our mindset and I strongly believe that our thoughts rule the world, so if we make our thoughts good, we can have a positive life ahead.

Most people think that this is a book on making money. But if you give it a read, you will know how important it is to read the book. The book is based on the insights of Napoleon Hill, who closely studied more than five hundred of the most successful individuals of his time.

The author once set out on a personal quest to find out what really made some people so successful. Why is it that some people manage to remain healthy, happy and financially independent, all at the same time? Why, after all, do some end up being called as lucky? The answers, no wonder, had to be no less than revelations. The author argues that 99% of people do not have a goal in their life and are therefore trapped in jobs that make them unhappy.

My favorite line from the book: “All the breaks you need in life wait within your imagination. Imagination is the workshop of your mind, capable of turning mind energy into accomplishment and wealth.”

About the Author: Oliver Napoleon Hill was an American self-help author. He is known best for his book Think and Grow Rich which is among the 10 best selling self-help books of all time. Hill’s works insisted that fervid expectations are essential to improving one’s life.

Rating: 4.6/5

Buy Here: https://amzn.to/2XcHCtx

— Mukesh Gupta