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Safe driving - avoid accident tips

First rule. Always wear a helmet. Also make sure that the helmet fits snugly and is strapped on securely. 2 Even the biggest bikes are the smallest vehicles on the road. Try and improve your chances of being seen by other vehicles. Wear bright-coloured clothes, or a bright helmet. Use reflective stripes on your helmet to increase your visibility. Another good practice is to keep your headlights switched on, even in daylight. 3 Ensure your brake lights and tail-lights are working. This could save your life on a dark night. 4 Get to know your bike intimately. When riding a new or unfamiliar bike, take it easy for a few hundred kilometres. Approach its limit slowly and back off one step when you find the limit. Always ride within your limits, and the bike's limit. 5 Your mirrors only say 'NO'. That is, if you see a problem with your mirrors, they are telling you not to move into that problem. If they do not show any problem, that is not the same thing as saying 'Yes, make you…
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Problems and solutions for filling of the for Voter enrollment online application (Form 6) on National Voter's Service Portal

Problems faced during filling of the online application form ( form 6) on National Voter's Service Portal website, and how to solve them  :

If you fill data and click submit, you can get error that some data is not filled properly. Along with the data you have missed, some extra data gets disturbed and is not easily corrected again. For that, the simple method is to load the form again and fill the details again. Short method to fix the problems is given below : 1. If the district name or constituency field (name drop) is not opening to show the list of required data, change the state to some other state (in the drop down field for state ) and then change again to the correct state. When you do like this, the field for district name or constituency name will start displaying the list. For example, if I want to select my city 'Lucknow' but the field is not showing the list of districts, I will change the state name in the state field. I will change 'Uttar Prad…

3 Sure shot tips to stop sleepiness / drowsiness after Lunch and improve health too !!


Limit the carbohydrate portions in your lunch. The refined grains in processed foods get digested quickly that results in blood sugar spike and dip contributing to low energy levels. Choose to eat more energizing meals that includes more iron (leafy green veggies), lean proteins (lean meat, fish and eggs) and complexed carbohydrates (whole grains and legumes).

Eating a smaller lunch with snacks in the morning and afternoon will keep your blood sugar levels balanced throughout the day.

Try not to consume more and more sugar and fats present in processed foods in order to avoid energy crash.


Physical activity improves blood flow, providing oxygen and nutrients to muscle tissue and naturally
increasing energy. Carl Bazil, MD, PhD, director of the Division of Epilepsy and Sleep at Columbia University, recommends exercising before afternoon drowsiness kicks in—stretch, take the stairs instead of the elevator, walk around your building.

Simply getting away from your desk can re-energize.

Expenses of a Mutual fund can severely impact returns

Funds can also charge for the service tax on their management fee. Hence, an equity fund with a corpus up to ₹100 crore may end up charging upto 3.3 per cent if you add different charges !!

What is it?Mutual funds are professionally managed investment vehicles which help investors to grow their money by investing in financial assets such as equities, bonds, gold and other assets. Mutual fund companies charge a cost to their investors for managing their schemes. This cost is called the Total Expense Ratio.
What is it?Mutual funds are professionally managed investment vehicles which help investors to grow their money by investing in financial assets such as equities, bonds, gold and other assets. Mutual fund companies charge a cost to their investors for managing their schemes. This cost is called the Total Expense Ratio.

Why is it important?

While mutual funds in the developed world charge a variety of fees and costs to investors, in India, almost all the costs are packed into the single m…

Mutual funds more transparent and accountable after new SEBI recategorization

Going forward, mergers will become difficult for the funds. Also performance will be more easy to understand. Equity Sectoral funds (specific to a sector) are not expected to be much affected by mergers as was earlier. All this is good for the investor.

Chart in this blog post is taken from:

From Livemint:

This article has a good chart too. Go to the link after this section.

If your scheme undergoes a big change, evaluate. For instance, SBI Treasury Advantage Fund, which will be known as SBI Banking and PSU Fund, was meant for short-term investments. Now, its strategy would be to invest in debt scrips of state-owned companies and banks. "If the risk profile of a scheme changes, look at it again. If it no longer meets your purpose, leave it," said Vidya Bala, head-mutual fund research,

Don't blindly go by the change in your fund category. Mirae Asset Emerging Bluechip Fund (MEB…

Important tips for air travel

Pre printing boarding cards before coming to the airport carry the risk of confusion if the boarding gate changes.
If you need to fold your boarding card to keep in pocket, avoid fold coming in the area with the bar code as it will be scanned.
If you are getting late, you can request the incharge to get a speedy security check skipping the queue.
Keep your boarding card in your pocket - helps you return to your seat after you visit the washroom.
Preserve the baggage sticker on the boarding card till you get all the pieces of  check-in luggage after the flight . The sticker has the codes same as the stickers as on your luggage pieces.
Power banks are allowed in cabin baggage not in checking baggage . 

PPF, NPS, how to divide for best tax savings , performance of NPS funds

Valid as of Sep 2017:
EPF, PPF, and a host of other deductions available are all part of 80C, which has an overall limit of 1.5 lac per year. If you have already put in 1.5 lac in PPF, the EPF that is deducted by your employer is giving you no agvantage from tax saving point of view.If you want to invest additional amount and get tax exemption, there is another way I can suggest. NPS (National Pension Scheme) has an exclusive deduction of 50K a year outside of the 80C 1.5 lac limit. So here's what you can do. Assuming EPF is 50K a year, put only 1 lac in PPF, put the rest 50K in NPS.
Having said this, don't do investments just to save tax. If your financial position allows you to, then put in as much as you can, not just what is necessary to save tax.Various NPS performance over the years :