25 AWESOME TIPS FOR BEAUTIFUL LIFE!!!

1. Take a 10-30 minute walk every day. & while you walk, SMILE.
It is the ultimate antidepressant. 

2. Sit in silence for at least 10 minutes each day.

3. When you wake up in the morning, Pray to ask God’s
guidance for your purpose, today.

4. Eat more foods that grow on trees and plants and eat less food
that is manufactured in plants.

5. Drink green tea and plenty of water. Eat blueberries, broccoli, and almonds.

6. Try to make at least three people smile each day.

7. Don’t waste your precious energy on gossip, energy vampires, issues of the past,
negative thoughts or things you cannot control.
Instead invest your energy in the positive present moment.

8. Eat breakfast like a king, lunch like a prince and dinner like a
college kid with a maxed out charge card.

9. Life isn’t fair, but it’s still good.

10. Life is too short to waste time hating anyone. Forgive them for
everything !

11. Don’t take yourself so seriously. No one else does.

12. You don’t have to win every argument. Agree to disagree.

13. Make peace with your past so it won’t spoil the present.

14. Don’t compare your life to others. You have no idea what
their journey is all about.

15. No one is in charge of your happiness except you.

16. Frame every so-called disaster with these words: ‘In five years,
will this matter?’

17. Help the needy, Be generous ! Be a ‘Giver’ not a ‘Taker’

18. What other people think of you is none of your business.

19. Time heals everything.

20. However good or bad a situation is, it will change.

21. Your job won’t take care of you when you are sick. Your
friends will. Stay in touch.

22. Envy is a waste of time. You already have all you need.

23. Each night before you go to bed ,Pray to God and Be thankful
for what you’ll accomplish, today !

24. Remember that you are too blessed to be stressed.

25.Share this to everyone on your list to help them lead a happier
life…!!!! 

Think - Eat - Save : Simple Tips on the eve of World Environment Day

The United Nations Environment Program (UNEP) World Environment Day (WED) is celebrated globally towards creating positive environmental actions, involving people from all walks of life to come together to ensure a cleaner, greener and brighter outlook for themselves and for the future generations. WED is celebrated every year on June 5.

The theme for this year’s celebrations is Think. Eat. Save, an anti-food waste and food loss campaign. The campaign aims to encourage reduce food wastage.

According to the UN Food and Agriculture Organization (FAO), every year 1.3 billion tonnes of food is getting wasted. The vast amount of food going to the landfills amount to a major squandering of resources, including water, land, energy, labour, capital. In addition, it needlessly produces greenhouse gas emissions, contributing to global warming and climate changes. It is also estimated that 1 out of every 7 people in the world go to bed hungry and more than 20,000 children under the age of 5 die daily from hunger! 

This World Environment Day, team members are invited to join the cause to prevent food wastage. In our everyday lives, we too are wasting food in some way or the other either at our homes, at restaurants or in the office cafeterias.  It is estimated that over 250 kgs of food is getting wasted  in our cafeterias daily because team members take extra food but do not consume it!

Here are a few simple tips that could help reduce food wastage at our homes, at restaurants or in the office cafeterias:

·         When at home, look in your kitchen cupboards, fridge and freezer. A lot of food wastage can be reduced by knowing what provisions you already have and need to be used up before you shop next for the provisions

·         Where and how we store the provisions we buy makes a big difference to how long they last and how much gets wasted. Use the provisions with the closest expiry date for cooking first and store safely the others that can be used later

·         While serving food and eating, either breakfast, lunch, snacks or dinner, be it at home, at a restaurant or in the office, please ensure that you take only what you can eat and do not waste food. Take only what is needed and never over-fill your plates resulting in wastage.

O    

      Often people throw food, if they dont taste nice. Instead think once about the people who are starving days long for getting few bread crumbs or a glass of water. If we care enough then for sure the day will come when there wont be scarcity for either food or for water.

·         You could look for local organizations that collect prepared food from homes, restaurants, caterers and corporate cafeterias and promptly distribute to the hungry people in the communities.

      Any other ideas are heartily invited via comments. 

Let us feed the hungry, not the landfills.

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

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