Thinking about Investments? time to be serious!!

by iExpert 20. March 2017 12:16

It was normal day as usual and I read something on social media it was kind of funny but stuck in my mind somebody has wrote that, education, carrier, kids , progress, big house big dreams , who the hell discovered this , weren’t we happy in caves eating roots and staying happily with family , I laughed and told my wife , these people are crazy their thinking is beyond our imagination this was one side of thinking for that day but later somebody came to me and started discussing about the investments and securing your future when you grow older and suddenly  I started feeling that I am already old.

Oh my god, I am getting older and I have not planned my future yet. Is it too late, what should I do? Where should I invest? Who should I see? These question ghosted me as lighting strike the tree. I started running like chicken without head and asking bunch of question to everyone. Then I realize that nothing going to change overnight and there is never too late for anything, first I just have to relax and take a good finance advice. Now I don’t have that kind of money that I need any professional financial adviser but researching about knowing that where can I grow my money without risking my future is worth a try.

I am not always good at managing my money, I know fitty percentage of people are like me, oh my look I started talking about percentage and stuff. No , but on serious node everybody should be aware of some sort of investments that could be anything which will encourage you to save and use that money for some good purpose like kids college education or marriage and may be your long waited dream to have world tour.

Many people want to see their money every day because they feel that what if I need that money tomorrow, that means they always want money to be liquid but liquid money is dead money it does not generate any return, you can do CD’s but again those percentage and not that big you are just sitting on money which value is getting deprecated day by day. You need to understand that people are multiplying their money and on other hand you have holding your money for yourself.

You can choose any path of investing but any little investment you do it do is going to grow much bigger in future , it could be stock market, mutual funds, housing market, land or even in any startup company. Easiest way to put your money in mutual funds because you have low risk low income but your investments will always has the touch of market, instead we always wait for right time.

Believe me there are some people who are doing trading and stock investment for living but off Course you will not able to do it because it needs lots of research and it’s a full time job, but what you can do it have your money as Systematic investment plan which will invest your money over the long period and you get opportunity to invest in every tread of market up down.

So have you invested yet?? But waiting for good time. 

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Expert's View | News

Holiday with family

by iExpert 2. December 2016 16:52

Family such a nice word, it puts smile on anyone's face but in reality but when someone does have family then only that person can know the importance of being a part of family; especially when there are holidays or some kind of ceremony.

This is story of Tina, Tina has been raised in the pretty decent family but since she grew up she started going in the college at different town than her family. On every vacation she use to visit her family and enjoy time with them. Initially she used to visit her family at least once in 2 month but as she got busy with her schedule that difference got bigger and she could able to make it as pervious. Everything was going well, her family was also got busy with their work and they started to have miscommunication between them.

One day Tina’s mother got sick and her father informed about that to Tina, it was month of April and Tina was studying for final exams, her sister was also away on business tour so she could not able to make it. Looking at this situation Tina decided to go and meet parent, she called her sister to ask that if she can make it, her sister finally agreed and Tina told her that she will pick up her at her office and then they will drive to their parent place.

After finishing her exam Tina got her car out, she called her sister saying she will pick up her in one hour. She dress casually and took some cloth to stay over along with some snacks from neagioring store. She reached to her sister place and picked her up, it was long time since he had seen her sister. They were best buddies of the house but now with every body’s life they really don’t get much time to see each other.

There journey started around 6 in the evening it was 7 hrs. ride back home, they both were excited to go home but there was a loneness in between them. They were hardly had any topic to talk upon. To break the ice Tina started with topic with praising her top and it also ended in few minutes. When they were quite for a hour they both realized that this is insane , one time best buddies when the talks was not ending for hours and hours , they were having so much to share about themselves now landed in the situation that they hardly can communicate . Tina’s sister started talking about their childhood and slowly they started open up and started communicated. It was dinner time and Tina asked her sister that she would like to pick up something or eat on the go. Tina’s sister talk her that she will happy if they can go to restaurant and have their dinner.

They found one decent restaurant and they settled down, they were about to order and Tina’s phone rang…..   

                                                                                                                 To be continued…………

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Expert's View

Brands!! It's not important than you

by iExpert 16. November 2016 17:54

Is this branded? Which brand?, have you heard this before yes!, I am talking about question which everyone want to say yes proudly and say the brand name, right from clothes, shoes, accessories , phones are everything you use everyday life. Somehow our social presence has been defined by the brand of cloth or accessories we use in our life, no wonder that is completely associated with the kind of money you have and everybody cannot afford to have upscale lifestyle with popular expensive brand which we use. My question is does really using branded or expensive clothes or accessories really define what you are or they are three just to brag and take an attention.

Let take a small example of kids going to the school, school can have all kind of kind coming from low or moderate income families and some from wealthy reach families. We have seen so many parent want give their kids best of everything and they buy them expensive brand cloth from ralph Lauren or shoes from Nike or some other expensive brands but they forget that there are some kids those who are coming from low to moderate income they really cannot afford to buy these kind of lifestyle, yes they still want to give best to their kids but simple they cannot. Have you ever though that what must taking those kids when they are along with kids who are wearing these famous brands and teasing them about not having it. Think of the inferiority complex these kid might face and long term effect on their mind which makes them feel dominated, I have heard some stories like kids give up going school thinking that they are embarrassed in front of other kids who are wearing very expensive branded cloth. Is this something we want to teach our kids right from their childhood? Is this the way we are creating huge valley between them and teaching those differences which we have created our self. Instead of teaching them that we all are same irrespective of anything we have. Just think.

Another point over here is , Is this branded cloths or other accessories are really worth the price they come for , why they are overprice is they want to make their brand exclusive to some class of people. I can give you another example from any corporate office and when we are dealing with another colleague in day today basis, if you entered in meeting where you are driving it and you are having best of the branded cloth, it definitely create some kind of inferiority complex in your mind which will drag you down. I must say that everybody must have gone through this once or other time.

Don’t get me wrong I am not taking that wearing or using branded things are bad but we should judge ourselves from other that what kind of brands they are using and why cannot afford it, instead go for smart shopping look for good deals and try to get what you can afford without being too crazy about comparing yourself with other on the basis of brand recognition, Also when you are buying for your kids just think once about the fellow kids who are going to join them in school.

So when you shop next time, think twice!!! What is more important? You or your brand.

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Expert's View

Schools System, Now and Then

by iExpert 4. September 2016 12:14

It has been very long since I left my school but still I remember each and every moment I spend in my school, now I am overseas with my family and my kids are going to in different school than what I went to. Few weeks back I attended my daughter’s first day school orientation and here is my experience.

When I reached to the orientation it was very organized, they have started the function with greeting and introduction which kept me stunted when they started to introduced that here is our kindergarten teachers, yes that what we all had and then there is speech therapist, then there is carrier consular then there is a full time nurse and doctor then there is nutriologist. There is sports teacher, there is an art teacher, there a music teacher then there is physical health teacher and list just goes on. This was elementary school yes from K to 5th grade but the amount of facilities they have it is out of the chart. When I compare this to my school, we just had a PT teacher and Drawing teacher apart from the regular subject teachers.  

When I look around with the today’s school system it just surprise me , yes in good way that now a day kids and so much to explore , so much to learn and they get right guidance, they get to choose what they want to do. I still remember that I use to do good painting while in the school but I have never been supported or promoted to do more of it instead I have been discourage that, is that you are going to do for rest of your life, even the sports was just for sake and I don’t remember I have played or got chance to play any games. The story might be different for different people but somewhat same around the school system in work. There is no place for art or sports, only studies and grades are the benchmark for the student’s ability to success in the life. How we are going to create artist or good sportsman if we are not focus on it. How are going to address he issue of kid which has been going in depression. How are going to keep their medical needs. School back in India need to answer these questions.

 

I don’t know the current situation in Indian school but if they have changed over the time then it is really commendable but if they are not which I think they have not then there should be someone who should be looking into it, we are building our next generation and they will be responsible for coming each and every generation, if you could able to pass the right message then they will pass whatever they have learned and I will be keep happening. We should take our time and think a bit that how we want our next generation to be.

What we need is a change!!

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Expert's View | Sports

Entertainment for Children, Are we doing enough?

by iExpert 11. July 2016 09:44

The children of 21st century are not generation X they are now generation Z or may be generation Y. They are a step ahead of generation X kids who somehow did not live into the world of internet completely but lived in the real world too. However the generations to come will witness everything at the click of their smartphone and every feeling in the form of virtual reality. Internet is the ocean of information from all around the world, but the challenge is how to search relevant content for children. It is like they are sunk into this ocean and there is no respite from it as Google is the answer for all the questions under the sun. As a result Google exposes the kids to numerous other content which are not meant for them. Entertainment industry especially outside US too does not offer a wholesome relevant entertaining package to children due to lack of audience in this segment. The animation and action both the forms lack a quality for children and they are largely dependent on foreign channels and movies for their entertainment needs. They like Avengers, Pokemon, Superman and many such animated and action heroes.

In India children have a scarceness of the animated films. Some shows being a class apart from its counterparts and most adored by Indian or other kids is the only such movie of our times which has changed the definition of kids’ entertainment. The monetary investment are high and returns are marginally lower. The producers and directors like to make commercially successful projects whereas the children want something of high quality visual and audio, they are exposed to the world of PS and internet and they like some really good high dimensional experience. The kids know exactly to maneuver most of the devices like smartphones, iPad, play stations and they are into high grade entertainment and amidst this if they are given a ham-fisted piece of art or animation they will not lap it and will slowly move to the world of virtual reality which is through gaming consoles which give them more liberty and enthusiasm. We lack the type of entertainment which Minions or Ice Age or Harry Potter yields to the children and it is because in Bollywood children’s film are not a category. Some movies hit the theatre once in years, and filmmakers are not at all motivated to make such films which cater to the children’s psyche. Children’s films may not give them enough profits which they sure to get when they launch a superstar in their movie. However the dearth is of engaging content for children, which could make them relate to their lives and things around them. Children have productive minds. Their inquisitiveness proportion is much higher than that of adults. They want to discover, know further, and unleash their fancy. Stories, songs and visuals partially fulfill this curiosity and leave them to want for more. 

 

Films help shape children’s artistic receptivity, polish their quizzical skill, and finely help to baseline their value systems. India is the largest producer of feature films in the world (over 1000 films a year), the number of children’s films it produces annually is appallingly low – just about a handful or so per year which is not an encouraging number. Though India does not have a scarcity of stories, there is a dearth of good screenplay writers and directors for sure who could render the stories into entertaining films. On commercial grounds the producers do not plunge into children’s meaningful cinema as they believe in the fact that there is a little take away for everyone in their mainstream films. The film fraternity should step up for the making of films meant for children and display a different sensibility in terms of art which can provide the needs of children entertainment and they should not resort to the unlimited and uncensored content on the Internet and indulge themselves in the films which are made for them, making them responsible as well prevent their mind to wander in the unbounded source of content available on internet.

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Entertainment | Media | Television

Entertainment Race in the box, who’s gonna win?

by iExpert 12. June 2016 12:11

You must have surprised with the title "Entertainment Race in the box, who’s gonna win?" what is the race in the box for entertainment , but if you have switch from one to other tv boxes then you must have got an idea that what is I am talking about.

Yes I am talking about the race of TV boxes by many companies out there, currently we have so many different kind of TV streaming box in market and it is just to complicate to choose for the normal non-technical user who has very limited knowledge about apps, resolution and connectivity option they provide and also the limitation of each box, which they realized after buying them. Each and every box has their own pros and cons but we are not going to talk about those there because you can easily go and check their spec side by side on net and find out difference if you get it, Here I am trying put the point is, why these TV boxes has limitation one over other when the technology is available for every company and they know about it. For an instance Roku, Apple Tv and Amazon fire sticks are head to head competition in this category.

Each one has their up’s and down some are good some are bad but every time they comes up new version and old version is just stalls, I can get that they don’t want to release everything at same time and stop their sell on that device instead they release it step by step and keep upgrading version also the software inside this. In my personal experience I had use both the box Roku and Apple Tv.

For just an example let consider Roku, the casting feature is really poor in that, I don’t have any idea that if Apple TV can make real progress in casting functionality then why cannot Roku go and work on casting feature and make their device good. On other hand Apple TV has good casting capabilities but when it comes to app they just way behind and has very limited apps and it just bound you and you start hating.

Sometime I feel that when these companies are working against each other they just have some kind of mutual agreement that they will have monopoly in certain feature so that they could survive in the market side by side, one simple thing is Remote , now why can they just come to an agreement and design some kind of remote which has simpler structure , I don’t want to limit the innovation and ability of devices but come on when it comes to kids and non-technical people who has very limited grasp over the remote and when you handle them apple tv remote they just hate it , why you want to replace the button with touch pad , I get it if someone want it that way they have an option , make to remotes one simple and one super complicated, this is my personal experience my 5 year daughter just struggle with apple tv remote and hate it whereas the remote on Roku was really good for handling , one more is thickness , I know apple is famous for their stick design but , when someone has their remote always sticking inside middle of couch or just goes below rug while dusting then you started thinking that why the hell they made this thing so small , every time I try to find it and it’s a job one of kind. 

I am not against the innovation they put in each product and comes up with unique and good ideas but when someone think about these just not only focus of tech oriented folk rather than consider from three year kids to 70 year old how they are going to use this.

On closing node I must say no body gonna win this race of box because each one has important one or another feature and it will always be a personal choice rather than what they offer.

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Entertainment | Expert's View | Reviews | Television

Kid's Entertainment or Entertaining Kids

by iExpert 14. February 2016 17:46

 

Kids are always fascinates me in all aspect, I have a little daughter and I have seen her growing up , like any other kids she is TV freak, she always wanted to watch TV and specially the cartoon series and image you don’t let her see the movie or program then you know what is going to happen next., it make me always curious is does these kids always want to watch animated series or do they like any other kind of program which we have not given them chance to see , so I started doing some experiment with my daughter and started to show her non animated program, some of them about the animals some were about different topic but not animated characters ,those were real characters , real people or real animated and what I found it she actually like that too, kids are like melting wax you can shape them anyway you want, We are the one who introduce them to TV and this is we who have made them addictive to seat in front of TV for long time and eventually fed them with ton of animated programs . 

I think the major reason of attaching comic character to kids is they do crazy thing which in real time we can only think, they connect with kids with the things kids want to but have you thought that if we could able to do same thing while playing or while talking to them that they want to do then they will be less interesting with TV or any other entertainment media. Again it was always question for me when I try to play with  kids is what to play I mean they always wanted to something different then how can you find out game which can play inside house with 2 people and without any instrument. Every day I use to scratch my head and come up with some or other silly game just to get her always from the TV. Sometime I use to pass sometime fail sometime I could able to dazzle them with my idea and sometime idea was just a trash or trashed by kids but most of time it use to work . 

I remember some silly games like stacking up glasses on top of one another and then throwing plastic ball on the stack and whoever get most of glasses down win or another one is pirate game where I use to put her inside the laundry bucket and tie to bucket with some rope and just pull her pretend that I am pirate pulling the boat and everywhere is water and she ca not step out , we go ahead and then find for treasures and other things we enter into dark room, we have created storms and such little silly thing , use pipe for telescope or just use bath towel for hat but kids just loves these silly thing and enjoy.

I have observed from all these experiment that kids really are not looked into Tele vison, they can play with you if you are ready to spare some time with them, and they can come give up their shows for you. Just remember you have very little time before they grow up and then they will not have any time for you so please use your time for them and before switching on TV just ask simple question with loud voice and then you can see the difference “Who want to play with me??” 

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Expert's View | Television