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Showing posts from October, 2018

How to be a good listener and  be successful Dsouza Pricilla

We know that it is very important to be a good listener but somehow we are not able to do it. It works both for the speaker and the listener. The speaker will feel valued when he gets your complete attention, but at the same time, the listener gets to understand all the details without missing out on something important. We always meet up with people who are not good listeners which leads to many problems. Moreover with the increase in the technology our interactions have not been of face to face anymore. We use emails, chats, telephones, smartphones etc to communicate with each other. This mode of communication does not help us to be good listeners. Our minds are constantly racing with thoughts and it is difficult to keep it attentive. Some of the key things of that help good listeners are listed below : Improve your personal and professional relationships. It helps to retain more information which helps in better decision making. It avoids conflicts and misunderstandings. It g
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Best laptops Under Rs 20,000 – Part 2 Dsouza Pricilla

Best laptops Under Rs 20,000 – Part 2 For the 1st part of the article please go here . These are some of the best laptops under Rs 20000/- Acer ES1-533: Intel N4200U, 4GB RAM, Linux, 1TB Rs20,999/- Weight – 2.4kg 15.6-inch screen, Intel HD 505 Graphics 1.10GHz Intel Pentium N4200 processor 4GB DDR3 RAM, 1TB 5400rpm hard drive Linux operating system 6.5 hours battery life. FineTip keyboard with independent standard numeric keypad, international language support 1 Year Warranty.   2. Acer A315-31-P4CR UN.GNTSI.002 15.6-inch Laptop (Pentium N4200/4GB/500GB/Windows 10/Integrated Graphics), Black Rs. 21,500/- Weight – 2.1Kg 15.6-inch screen, Intel HD 505 Graphics 1.10GHz Intel Pentium N4200 processor Slim laptop with No DVD 4GB DDR3 RAM, 500GB hard drive Windows 10 operating system 1 Year Warranty   3. HP G APU Quad Core A6 – (4 GB/500 GB HDD/DOS) 245 G5 Laptop  (14 inch, Black) Rs. 19,199/- 14-inch screen 2 GHz AMD APU Quad Core A6 Processor 4 GB DDR3 RAM
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Debt Mutual Funds Rufino D'souza

As we have seen in the previous articles, equity and hybrid mutual funds have certain benefits that may suit certain types of people as the risk involved in those types of funds is higher depending on the proportion of equity in the fund. However, in Debt Mutual Funds, even though there is no equity component, these funds are still exposed to risk. So in today’s article, we will cover an in-depth view of Debt Mutual Funds. What are Debt Mutual Funds? 1) Low Risk As mentioned above, while debt mutual funds do not have any exposure to equity, they do carry the risk of underperforming as compared to other debt based investments. This is due to the fact that like other debt investments, debt mutual funds also face the problem of Credit Risk and Interest Rate Risk. Credit Risk is the scenario wherein the debtor cannot repay the amount promised, either with or without the Interest and the Interest Rate Risk is the risk of lowering the general Interest Rates.  So debt mutual funds are not
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How to Build Resilience in Your Children Dsouza Pricilla

Recently a research suggested that one of the most important things for children to succeed is to build their resilience level. Life is very challenging for children these days. They are in an environment which is constantly changing and stressful. Today children have a lot on their schedule for e.g in addition to academics, they also have sports, extracurricular activities like singing, dancing, learning musical instruments etc. They are hard-pressed for time. In this post we talk about  How to Build Resilience in Your Children . In addition to these, they are constantly stressed to do the best in everything that they are doing. These challenging and stressful situations can break them. Therefore it is very important to teach resilience to children. Resilience is the ability to bounce back from stress, challenge, adversity or even trauma. Teaching resilience to children helps them to face these life challenges with courage and calmness. The greatest thing about resilience is that it
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Best Laptops Under Rs 20000/- Part 1 Dsouza Pricilla

These are some of the best laptops under Rs 20000/- which will suit everyone’s needs. Lenovo Pentium Quad Core – (4 GB/500 GB HDD/Windows 10 Home) IP 110 Laptop  (15.6 inch, Black, 2.2 kg) Rs.21,000/- Weight – 2.2Kg. 15.6 inch Display 1.6 GHz with Turbo Boost Upto 2.56 GHz Intel Pentium Quad Core Processor 4 GB DDR3 RAM, 500 GB HDD 64 bit Windows 10 Operating System 1 Year Warranty.   2.Micromax Ignite Pentium Quad Core 4th Gen – (4 GB/1 TB HDD/Windows 10 Home) LPQ61 Laptop  (14 inch, Black) Rs 21,700/- 14 inch Display 1.6 GHz with Turbo Boost Upto 2.4 Ghz  Intel Pentium Quad Core Processor (4th Gen) 4 GB DDR3 RAM, 1 TB HDD 64 bit Windows 10 Operating System I Year Warranty   3.HP 15q-BY001AU 15.6 Inches Notebook (AMD E2 -9000e/4GB/500GB/Free DOS 2.0) Jet Black Rs.19,000/- Weight – 1.86Kg 15.6 inch Display 1.5 GHz  AMD E2-9000e dual core 4 GB RAM DOS 500GB HDD 1 Year Warranty.   4.Lenovo Ideapad 320- 80XV00X8IN ( AMD E2-9000 1.8 GHz/4GB / 1TB/ 15.6
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Hybrid Mutual Funds Rufino D'souza

As we have seen in our previous article, equity mutual funds are those that can help investors target long-term growth and capital appreciation. In today’s article, we shall discuss the features of a Hybrid Mutual Funds . Hybrid Mutual Funds Balance Most funds in this category have been rightly named as Balanced funds, as these funds have a decent mix of both types of asset classes i.e. equity and debt. These funds will have a typical balance of shares as well as debt-based investments like promissory notes, bonds etc, thereby ensuring that investors aren’t completely exposed to the risk of equity. These funds seek to give returns in the long run as well as in the medium to long-term. By law, these funds have to maintain a higher proportion of either of the 2 Asset classes. Hence either the equity proportion is higher or the debt proportion is higher. The investors can choose whichever funds are most suited to their risk appetite. Best of both worlds As there’s a mix of eq
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7 Best Modular Drawers for Storage Dsouza Pricilla

In today’s world, space is a huge problem and so people are looking out for storing more in less space. In such a situation  Modular Drawers are one of the better options available. These Modular drawers help people to store their clothes, kitchen goods and other goods in an organized manner. They use little space and give more storage space. There are some great discounts when you buy these Modular drawers through Online shopping.  One good advantage of buying Modular drawers online is that you get plenty of options and also great discounts. 6 Best Modular Drawers for Storage 1. Joyful Studio 4 XLPlastic Modular Drawer System. Price : Rs 1598/-  Let us look at some key features which are  listed below : The material is of plastic in multi-color. The Package Contents are 1 drawer with top Cover, connectors and base Cap. It is very Convenient to use in the kitchen and for other storage purposes. The size is 310*390*675 mm. It is easily washable and can be kept clean. The dra
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Improve Your Mental Health Today With These 8 Ways Dsouza Pricilla

Just like we think our basic needs are essential, so also is our mental health. It is a critical element for our life and helps us achieve our goals. Consequently, our mental health is much more like our overall psychological well-being. For instance, the way we feel, the abilities we have to manage our feelings and how we deal with our everyday difficulties are all attributed to our mental health. Having good mental health pays off in all aspects such as building resilience, boosting our mood and in adding overall enjoyment to our lives. Therefore, it is essential to know the different ways by which you can improve your mental health today. Considering the small changes described below will result in a remarkable improvement in our mental health. Improve Your Mental Health Today Tell yourself something positive According to research, how you usually think about yourself, has a powerful effect on how you feel. Similarly, if you perceive your life negatively and think you are not goo
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Equity Mutual Funds in India Rufino D'souza

In our previous articles, we have learned about mutual funds and their structure, types, working and also different asset classes. Today, we will focus in depth on one of the asset classes that a mutual fund taps into i.e. equity. The topic of today’s article is Equity Mutual Funds in India. As mentioned before in our previous articles, equity as an asset class is a risky business but if one has the ability to understand the concepts and be disciplined in one’s approach, then the ups and downs of the equity markets should not have that much of an effect on the Outcome. Equity Mutual Funds in India Let us now look at some of the main features of entering into equity through a mutual fund Long run The equity markets are mostly for those people looking to enter them with a view of never getting out. The idea is to remain in the market as long as possible owing to the volatile nature of the market. Nobody knows when the market is at its peak or when it is at its lowest, so the bes
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9 Best Samsung Mobiles in India in 2018 Dsouza Pricilla

9 Best Samsung Mobiles in India in 2018 These are some of the best Samsung Mobile phones that can be purchased with great online discounts. Samsung Galaxy On5 Pro Rs. 6500/- Weight – 150g 5-inch TFT capacitive Touchscreen with 720 x 1280 pixels HD display 8MP primary camera and 5MP front facing camera 2GB RAM, 16GB internal memory expandable up to 128GB 1.3GHz Exynos quad core processor Andorid v6.0 Marshmallow OS Dual SIM (micro+micro), dual-standby (4G+4G) Battery – 2600 mAh Li-Ion battery 1 Year Warranty https://www.amazon.in/Samsung-G-550FY-On5-Pro-Gold/dp/B01FM7GGFI/ref=sr_1_1?s=electronics&ie=UTF8&qid=1524315992&sr=1-1&keywords=Galaxy+On5   2. Samsung Galaxy J3 Pro Rs.9300/- Weight – 281g 5 inch HD Super AMOLED Display 8MP Rear Camera & 5MP Front Camera 2 GB RAM, 16 GB Internal memory and Expandable Upto 128 GB 1.5 GHz Spreadtrum Quad Core processor. Android Lollipop 5.1 Dual SIM 2600 mAh Battery 1 Year Warranty https://www.am
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