blogger yogi

SAVE MONEY : 4 WAYS           Now a days everybody want to live a rich like life style. Shopping for branded fancy looking clothes, riding fancy cars. There is nothing wrong in trying to live like millionaires. But millionaires also live by  golden rules, they never spend more than their earnings. They have already future planning for 10-15 years further, even plan for retirement. If we follow millennial life style, then we should follow all their habits, not only fashion life style. But we on the other hand never plan for the future, rather we keep spending more than earnings on fancy lifestyle.          According to golden rule of saving, we should put 15% of our total earnings into our savings account for future retirement plan. Once put into savings mean we shouldn't  not by any mean touch that money for any other purposes. Here are 4 ways to save money for future planning.   1) Try Yourself into Saving More. When we first receive our salary check,

ONLINE SCAM USING PHISHING Phishing  is the attempt to obtain sensitive information such as usernames, passwords and credit card details through deceptive emails or websites. Phishing in details   Phishing is a technique where hackers / cyber criminals send scam/spam messages through email/text messages.                          They claim themselves  genuine institutions or entities They send various fake offers or prizes through email or messages like whatsapp /instagram /facebook .   At the end they give a link , where they tell to click the link in order to get the prize/offer. The link redirects/takes you to a fraud website, that asks you some details like user personal information, bank details, or sometimes even credit card details. If you give your sensitive details, that you shouldn’t give , the hackers/cyber criminals may misuse.     Sometimes The hackers in order to show their website genuine ,they even try to make it look genuine. T

RICH DAD POOR DAD IN SUMMARY ! Rich Dad Poor Dad  is a 1997 book written by  Robert Kiyosaki  and  Sharon Lechter . It advocates the importance of financial literacy (financial education).                  Here in this book "Robert Kiyosaki" tells about the difference in mindsets ,thinking process between 2 men,his own father and his friend's father.Their whole approach towards earning money and weath definition totally different.                 Robert's dad here in this book referred as poor dad and friend's dad referred as rich dad. Robert when one day, asked his dad about ,how to get rich .Dad said,"use your brain ,be best at studies,earn good grades at school,get degree in a college ,get a safe and secure ,good paying job at a company". (Poor people think having smart brain only  ,can help in becoming rich, which is not true .poor people always try to stay on the safer and secure side and take 0 risk) . On the other hand when

Over 2,000 dangerous apps on Google Play Store !                     A study carried away for 2 years ,has found that 2,040 apps on Google Play Store are harmful in some way. The study done by some researches of the University of Sydney and Data61 of CSIRO says the research applied on about 1 million apps Study finds over 2,000 dangerous apps on Google Play Store. The most common issue being that these apps require suspicious amount of permissions. But, some of the apps have been straight up called as malware (malware is a kind of software designed to cause damage to computer,server or network in the form of execuatable code,scripts or software ) . The report highlights Google’s failure to guard Play Store from fraudulent developers. The study finds that there are a large amount of fake apps on Play Store that are not malware. It adds that these apps require unnecessary permissions to access data that they don’t need in the fir

IS TRADING , INVESTING IN STOCK MARKET GAMBLING? I have heard many people saying “putting money in stock market like gambling”. I am sure you might have heard as well.             Today I will try to clear all the myths people have in their mind regarding stock market. Stock market no doubt is unpredictable, same as weather forecasting.   Knowing the weather in advance still not 100% guaranteed, even with the introduction of many advanced cutting-edge technologies. But still we can’t completely ignore any sign of warning or prediction about heavy rain, cyclone or monsoon etc. we take extra precautions, if needed. Most of the time prediction becomes true and sometimes weather doesn’t occur as expected. In the meantime wind changes its way or something happens, that causes the prediction wrong.             That doesn’t mean we stop watching weather predictions in TV news ,or in newspaper. The weather prediction people, sitting in the department, they highly experienc

WHAT TO DO WHEN SHARE PRICES FALL? Investors usually have an answer when it comes to rising markets. It’s when stock markets decline in a live scenario that they get nervous and confused about their next course of action. Should they buy more, sell everything, wait patiently? We share a detailed strategy on what to do when share prices fall. First we need to figure out the reasons  of the stock mark fall? What makes share prices fall? There can be various factors that lead to a dip in stock markets in a live scenario: Poor macroeconomic data on jobs, inflation, monsoon on the domestic front (short-term) Geopolitical tension with neighbouring countries or between two countries in another region (short-to-medium term) Trade wars (short-to-medium term) Political condition (short-term) Fortunately, there are ways to side-step a share price fall and continue investing in a manner that maximizes long-term wealth creation. Here are 4 things to do when share pri