I am with you Darling..

A boy was born to a couple after eleven years of marriage. They were a Loving couple and the boy was the gem of their eyes.

When the boy was around two years old, one morning the husband saw a medicine bottle open. He was late for office so he asked his wife to cap the bottle and keep it in the cupboard. His wife, preoccupied in the kitchen totally forgot about the open medicine bottle.

The boy saw the bottle and playfully went to the bottle fascinated by its colour and drank it all. It happened to be a poisonous medicine Meant for adults in small dosages. When the child collapsed, mother hurried him to the hospital, where he died. The mother was stunned. She was terrified how to face her husband.

When the distraught father came to the hospital and saw the dead child, he looked at his wife and uttered just five words.

The husband just said "I am with you Darling." The husband's totally unexpected reaction is a proactive behaviour.

The Child is dead. He can never be brought back to life.

There is no point in finding fault with the mother. Besides, if only he had taken time to keep the bottle away, this would not have happened.

No one is to be blamed. She had also lost her only child. What she needed at that moment was consolation and sympathy from the husband. That is what he gave her.

If everyone can look at life with this kind of perspective, there would be much fewer problems in the world. "A journey of a thousand miles Begins with a single step." Take off all your envies, jealousies, unforgiveness, selfishness and fears. And you will find things are actually not as difficult as you think.

Moral of the Story:
Sometimes we spend time in asking who is responsible or whom to blame, whether in a relationship, in a job or with the people we know. By this way we miss out some warmth in human relationship.

What's the best way to invest in gold? - equitymaster.com

In our previous articles, we discussed the pros and cons of investing in gold . We then talked about one way of investing in gold, i.e., physical gold . We discussed the merits and demerits of each way. But one thing that was common to all of them was the storage and insurance of holding gold in its physical form. The costs involved can eat away the gains. And not all investors like that. So the next best way is to invest in the non-physical format of gold. And this is exactly what we intend to discuss in this article.

Investing in non-physical gold

This can be done in either/ all of these ways-

ETFs - This is one of the most talked about ways when it comes to gold investing. The exchange traded funds or the ETFs. Conceptually, an ETF is a stock like security. It is traded on the stock exchange like any other stock. And in the same way that a stock has a company behind it, an ETF has the underlying asset behind it or in this case gold. The ETF owns the gold which is deposited in a bank vault. Therefore the value of the ETF security is equivalent to the gold being held by the fund.

The good part about holding an ETF is that it frees an investor from the innate hassle of holding and storing gold. The securities are held in the investor's demat account like any other stock. And like most stocks, the liquidity is high which means that the investors can buy and sell at a moment's notice. The best part is that the movement of the investment value mirrors the performance of actual gold. And the investor can invest in smaller amounts as well. Something that is difficult when it comes to buying physical gold.

But the drawback is the fees involved. The ETFs do charge a fee which is a percentage of the total investment made. In addition to that, some ETFs also charge for storing the underlying gold in the bank vault. But these are still lower than what one would pay for storing physical gold. Despite the difficulties, ETFs still provide a convenient and easy way of investing in gold.

Gold company stocks - The second way to invest in gold is the indirect way. The investor can invest in the stocks of companies whose underlying business is gold. This could be through owning gold mining or gold refining stocks. The underlying assumption in investing in this way is that the fortunes of these companies and hence their earnings are dependent on and mirror the performance of gold. Herein lies the merit as well as the demerit of this form of investment. The merit is again that it reduces the hassle of investing in physical gold.

But the demerit is that the company's performance maybe very different from the performance of gold itself. Every company has its own fundamental strength and weakness. In addition to this there are so many other things like macro factors, company's management, its vision, its cost structure, etc that can affect its performance. For example in case of a gold mining company, it may not get the license or the discovery may fall short of expectations, etc. Therefore the performance of the stock may not necessarily be in line with that of gold itself.

Gold derivatives - The commodity exchange has derivative products where the underlying commodity is gold. Futures and options provide another way of investing in non-physical gold. What you need is an account with a commodity broker and you can get started. Like any other account there are brokerage and account charges involved but like any other derivative, the potential for gains (and of course losses) is high too. The charges tend to get offset by the gains.

The problem with investing in gold derivatives is the quantum of money required. Derivatives usually trade in lots which mean that the initial investment amount required may not be for all small investors. In addition to this, the liquidity of some type of contracts maybe low. As a result the desired contract may or may not always be available.

Other ways - Other non physical forms of gold could be something like a fund of fund. This is a mutual fund that holds other gold related funds as its units. Another way could be to hold a global gold fund that invests in the stocks of gold companies listed in global exchanges. Gold certificates are also an option. However these certificates are currently not offered in India. But it is proposed to be introduced soon.

Overall, investing in physical gold works well for investors who prefer to hold on to something tangible. But for those who wish to avoid the hassles of delivery and storage, the non physical form works well too. The advantages of non-physical gold are aplenty. They provide an easy way of investment for even small ticket investments. The liquidity is high and the performance is similar to that of gold. But unlike physical gold there is nothing tangible that you have in hand.

With this we have given you the various ways in which you can invest in gold. So go ahead and invest if you want to. Happy investing!

Equitymaster.com is India's leading independent equity research initiative

What's the best way to invest in gold? - equitymaster.com:

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Health benefits of Vegetables :)

8 Steps To Cure Constipation Naturally

In modern lifestyle, most of us are prone to attract constipation symptoms, but by following any of the above mentioned habits, it can be cured / controlled to a greater extent :)


Really, it works like wonder... 

1.Drink 8-10 glasses of water daily. It is very important to keep the intestines working well. Keep the water overnight in a copper vessel and drink it when you wake up in the morning.

2.Put a teaspoon of ghee in a glassful of warm milk. Drink it when going to bed. It is very helpful in relieving from constipation.

3.Go for morning walk by having 2-3 glasses of warm water. This will prevent constipation and clear bowel movements.

4.Include fresh fruits and green leafy vegetables in your diet. Papaya and sugarcane are especially beneficial. Tomato and beetroot salads are also very useful in constipation relief.

5.Apples are very beneficial in treating constipation. Eat two apples every morning. Bite them with the teeth instead of using a knife to cut them into slices.

6.The simplest home remedy for constipation is to drink a glass of lemon juice in water with a pinch of salt in it. This will treat any kind of constipation you are suffering from.

7.Papaya and guava are also useful in treating constipation. Regular intake of papaya at early morning in an empty stomach prevents constipation.

8.You can also take warm lime water early in the morning. It prevents constipation and keeps the body and mind fresh                                                                            .