It is quite hard to find a perfect solution that can give the benefits of both good investment returns and tax savings. In the previous article on investment, I have added some solutions. With time, many old favourite options of investment and tax-saving have become less rewarding so people want new solutions. One of such solutions available in front of us is Tax saving Mutual funds and National Penson Scheme. Last year some of the tax-saving mutual funds offered returns of more than 30% which is a great performance and we all want our money to grow. Similarly, NPS offer a good and secure way to manage our funds for retirement. (Also read - Investment in Good Mutual funds in key to success)

Tax-saving mutual funds come with three year lock-in period and we can use a systematic investment plan to invest in them for as low as Rs 500. The value of a few thousand rupees invested 20 years back has become crores in many mutual funds. The problem is that people don't continue their investments for long and they invest for a shorter period of time only. When stock markets are down then it is the right time to invest because our returns become many times in a few years only. Today, there is no use in resting money in the banks because the interest rates are very low and they are likely to decrease with time. 

So, it is good to plan early and start an investment in mutual funds (even for Rs 500) so that we can get good returns in the future. At least every person should invest a minimum of Rs 500 every month in good Mutual funds or NPS and forget about it. When we will invest our money in a good investment option like Mutual funds or NPS and give time for our investment to mature then we can get good returns in the future. Today, we can use free, secure and popular apps like ICICI Direct for investment in Tax-free Mutal Funds and NPS. This site doesn't charge any commission for mutual funds investment and you buy mutual funds directly. 

Download ICICI Direct app for Mutual fund investment

 Money-related crises are very common in the present world and we can see many people suffering from worries related to money. All these money crises mostly emerge from the wrong thinking pattern of a person and how we manage our money. Mostly, it is believed that we should earn more and more but no one tell that instead of earning more we should learn to manage our money more precisely. Due to this reason, we see lots of people suffering from money problems despite earning a good amount of money. Earning more money is a good option but we also need to learn to manage our wealth in a good way. There are many opportunities available in front of us from time to time that gives us the option to multiply our money many times with very little effort. However, people are so much busy spending money that they hardly have money left for such rewarding investments. 

Investment in Good Mutual Funds is Key to success)

Either complete your dreams or dreams of others

Good opportunities are not always available and they come suddenly, we can also encash them when we have some spare money with us. Money itself is a great tool to increase its value, so we need some savings. Today, it is easy to find people who have lakhs of rupees loans than to find people with good savings. Below, I will tell some ways to increase your wealth with wise money management. You can also increase your wealth by using these tips.

1) Must save something every month, maybe as little as Rs 500 (Good Investment returns and Tax saving Benefits).

2) Always look for better investment opportunities. 

3) Invest more when the stock market is down or there is some crisis because no crisis last ever and stock markets come up again.

4) Never put your money into a single stock or investment option.

5) Always invest in good quality and trusted companies or stocks with good ratings only.

6) Don't invest in new or bogus companies with very less track record. 

7) Make your own research and plan on investments. Don't follow others blindly. 

8) Wait for good opportunities, instead of making haste investments. 

9) Never disclose your investments to others and don't give unnecessary loans to others. 

10) Give yourself big targets. 

11) Create more assets than liabilities. 

12) Try to add additional income sources to your portfolio. 

These methods have great potential to make you an independent person with good wealth. When you can good wealth, then you can easily complete many of your dreams in life. Money plays a very important role in life because it is very important for most of our needs in the world. So, better wealth planning can make your life rewarding and in your control without the worries of money. 

Download ICICI Direct App for Mutual fund investment

Watch Money making Tips Video -

The clash of egos of two different persons is so common in our world that we can find it happening everywhere around us. Today, 99% of the world's problems are here because of ego clashes of different people. People or countries don't want to solve their problems but instead, they want to justify their ego by looking winner in the conflict. And, we all know that there can't be two winners in a single situation. The ego of a person can never accept a defeat so we never see the solution to most of the problems. Instead of changing their stands or finding solutions to the problem, people prefer to die with the unsolved issues and problems. 

For a good and problem-free world, we need to leave our egos aside so that we can think with clarity about the wider benefits and happiness of the masses. Ego is the biggest barrier in all this and it is the main culprit but the problem is that no one wants to tackle his own ego. We are more concerned about the ego of others but never want to decrease our ego. A person may look small or simple but his ego can be many times bigger than him. The bigger the ego is the bigger the will be problems. Today, we live in a world where the ego is people in own the rise and people are only concerned about themselves.

Whereas in an ego-free society, everyone looks for the other person and no one remains neglected or untreated. However, in an egoist world, we see everyone interested in his or herself thus causing others to suffer unnecessarily.  I hope that everyone will realise it and we will work in a direction to create an ego-free world where every person feels part of it and we work more on solving problems than creating new ones. 

In-Universe we all are the same

It is a common story of many people that they have people in their lives who are not happy with their success. Jealousy is a very common thing in life and we all are somehow remain affected by it. People live life with two different yardsticks, one for themself and the second for others. Many things that they feel are good for them when others do the same thing then these things become bad or forbidden. It is an ugly truth of life that others are not much interested in your happiness and in reality, they are just worried about their own happiness. In this situation when they find you happy or successful, then they feel unpleasant and want themselves in your place. 

When we understand this fact of life then we will not feel unhappy about the bad or harsh reactions of others to our happiness. To be truly happy and enjoy it will, it is very important to not worry about others and their reactions because many of such unwanted bad reactions will come. Also, we need to learn to hide our feelings and happy moments from others to avoid the unnecessary flow of bad energy. Today, we see lots of people circulating many of their best pictures of the best moments of life on social media. By doing so, they are doing two mistakes, first, they are losing their privacy and second they are attracting unwanted negative energy. 

It is a common tendency of a person to show off or share their good memories with others in the form of pictures or videos. But the question is are others interested in all this? Not all people are bad or have bad intentions but there are some people who are either frustrated with their life or have a negative outlook on life. Such people don't like others enjoying their life. From the face, we can never recognise such people because in front of us they always show that they are very happy about us. Therefore, it is better to learn to avoid sharing every moment with others because there may be many people who are not happy about your success or happiness. 

Read More on Happiness and How to Become Happy 

Today, I will share information about a credit card that can offer you many benefits and many of such benefits are not available on traditional credit cards. I am talking about a Slice credit card that you can get in less than two minutes. This card comes with no Joining fee and annual fee. They offer up to 2% cashback on bill payments and you can convert your bill payments into three interest-free EMIs. Slice cards offer many rewards and instant cashback on popular online stores like myntra. 

To get other credit cards, you need to go through a tough process while this card is approved in minutes through the online process. You have full control of the Slice credit card through the slice app. You can easily switch on and off the online payments on the card through the app. It is a rewarding credit card and full fills the option for many users who failed in getting other cards. 

The slice credit card also offers a good option to increase good credit scores. Many people are using slice cards to make purchasing today and pay later. All credit cards are a good option if they are used with proper care and we should not overspend on them. 

You can get Rs 300 cashback (real cash) upon approval of the card if you use the link below or add a referral code - IRON199662. 

Click to Apply Now

This credit card is accepted by most merchants and you get the option to make wireless payments up to Rs 5000. The slice app also works as a passbook and shows you all the transactions done by you. 

My Experience with Slice Card (Review)

Memories are some things that stay with a person forever and we all die with them. For many people, they are the greatest wealth they have in life. Humans are social beings and most of our memories are related to others whether they are good ones or bad ones. We mostly remember things that are either too good or too bad while people forget most simple or ordinary things. While dealing with others, we should always try to do something that makes us part of their good memories because, in this way, they will always remember us in their positive memories as a good person. Now, It is your choice that you want to be part of someone’s good memory or bad memories.

However, the problem is that many people don’t understand this concept and they keep on creating problems for others, due to this reason, they become part of their bad memories. For a person to live a good life he needs the support of others and others will only support him or her when he is part of their good memories but due to the egoistic approach, many people don't want to see others happy. They try everything to make the life of other people miserable. Such people always get a place in the bad memories of people. 

Why I say so is that we should not become part of someone's bad memories because memories stay with a person forever and every time, a person remembers the bad memories he sends negative energy towards you and you don't know when this negative energy may harm you. When you are part of someone's good memories then whenever he remembers you he sends positive energy that helps you in life. Now the choice is in your hand, whatever decision you will make today will affect your future either positively or negatively. 

Giving words to your thoughts in today’s world is very easy with the help of advanced technology. By simply using a device like a smartphone, we can very easily convert our thoughts into words and reach a large audience that is waiting to hear what is in our minds. This is a good use of technology because it increases the speed of a writer writing more things very easily. Now with help, we don’t need to type too much, and instead, we can just sit and talk on our mobile to convert our thoughts into words. I am totally enjoying this technology and my next posts are going to become true through this method. There are many thoughts that keep on coming to your mind irrespective of time and some of these thoughts are also good for others too, therefore, we need to share them with the world. 

Recently, I wrote two posts on the topic of the increasing use of drugs and narcotics in Bollywood. The first one was the Penetration of illegal drugs in Bollywood and the second Is Bollywood in the grip of narcotics? These stories came into the limelight after the death of Sushant Rajput and later with the arrest of Rhea Chakraborty. At that time, investigating agency found many famous Bollywood actors and actresses involved in this case. However, due to lack of evidence, everyone got bail in this case.  

Recently, with the arrest of seven teenagers on the cruise ship including the son of Shahrukh Khan, Aryan Khan, this matter has again come into the limelight. This matter again highlights that use of illegal and harmful drugs/narcotics is very common in Bollywood. We can't avoid such things every time as false propaganda against Bollywood because we are getting proof again and again. Everyone knows that these drugs are very harmful to youngsters and many of them lose their lives every day. 

Therefore, it is very important to put a strict ban on such drugs so that no one can get them. However, with our corrupt system and involvement of money greedy people in big positions these drugs are very commonly sold in many parts of India. It is time for Bollywood to put forward a positive example by renouncing the use of such drugs. These drugs are very habitual and any youth who becomes addicted to these drugs loses his power to think wisely. 

It is the duty of parents to not provide so much money to their children that they start buying drugs. It is common to see everyday news in newspapers about the death of a person due to an overdose of drugs. Twenty years back when I was in college even then the use of drugs was common and I have some idea about the students who were taking these drugs. However, it was very clear to me that I will never involve with such people. So I stayed safe from these drugs and living a good life. 

I also want every youth to remain away from these drugs because they may give you some peace for the moment but they will eventually steal your whole life. 

Get enough Vitamin C Naturally (हिंदी में पढ़ें)

1) Lemon -

We can easily find these small yellow-coloured citrus fruits in every home in India. It is common in India to make Lemon water in summer because it provides essential micro-nutrients to the body which the body loses due to sweat. On average, we can find 53 mg of Vitamin C in 100 gm of lemon juice. Therefore, we can also get our daily dose of vitamin C from the lemon by drinking lemon water two to three times a day. 

2) Green Chilli-

Green Chilli can be called the food of the poor because many poor people in India survive on green chilli. On average 100 grams of green Chilli contains 144 mg of Vitamin C. In India, we use green chilli very often, and sometimes, we even eat it raw or with salad. Green Chilli is the commonest item available in Indian kitchens which can provide a good amount of vitamin C.

The use of amla in various forms is very common in India. Amla is available in the winter but we can easily get the alma juice throughout the year. Amla is supposed to have 20 times more vitamin C than oranges. Therefore, we should add Amla in some form to our daily diet to get the required dose of vitamin C. 

4) Kokum - 

This small red-coloured tiny fruit is grown in the Konkan region of India and the people of this area make many things by using Kokum like Kokum sharbat, and Solkadi. Kokum is used in a similar way as tamarind is used in the rest of India. Kokum fruit is a rich source of vitamin C, therefore, we should consider adding it to our diet.

5) Tamarind - 

Tamarind is common to Indian cousins and it is used in all parts of India. It is used to give a sour taste to food items and increase their digestive powers. Like kokum, we can use tamarind to make many dishes and drinks which are very healthy and rich in vitamin C. 

7) Broccoli or Cauliflower -

Both Broccoli and cauliflower provide a good dose of vitamin C. Therefore, we should add them to our diet. Cauliflower is more commonly available in India than Broccoli, therefore, we can go with Cauliflower. On average, cauliflower contains 48.2 mg of vitamin C per 100 grams. 

8) Potato -

Another common king of Indian kitchens is Potato which is also rich in vitamin C and is available at a very reasonable rate in the market. We can also refer to potatoes as the food of the poor because they fill the stomach of many hungry people at a much less price than other food items. 

 At the start of the Corona Virus last year, I wrote this article that Is India ready for Corona Virus? In this article, I discuss the options available in front of India to tackle the Corona Virus strain. Though India did well in dealing with the first strain of Corona Virus we failed on many fronts when we faced the second wave. It looked that we were not prepared for the stronger and deadly second wave of the Corona. We may blame the government or the bad healthcare system, however, there is also a problem in us. First, we don't follow the rules and second, many of us don't enjoy strong immunity to fight the Corona virus. By increasing our immunity, we can increase our chances of survival from the Coronavirus. There are some methods through which we can make our immune system strong. However, due to the fast lifestyle, we have stopped carrying about our bodies. 

Step 1- Spend some time in the Sun - The problem with today's lifestyle is that we don't spend much time under the sun, therefore, lots of people are suffering from deficiency of vitamin D which further leads to deficiency of Calcium. The deficiency of vitamin D and Calcium makes our body weak and thus we become easy targets of pathogens and viruses. 

Step 2- Walk for at least 40 minutes a day - With the availability of Two-wheelers and cars, many people have stopped using their legs. However, people don't understand that walking is the simplest and easiest way of exercise. If we can't do hard exercise then we can at least walk 20 minutes in the morning and 20 minutes in the evening. With walking our body becomes strong and fights well against external pathogens. 

Step 3- Eat fresh and easily digestible food - Due to a fast lifestyle, we have also acquired wrong eating habits. The food we eat doesn't provide all the necessary nutrition to our body. Excess use of fried and junk food makes the situation even worse. Good food can work as a medicine and help us to make a strong body with an immune system. 

Step 4- Relax yourself with Meditation and Good Music - A relaxed body is stronger than a body in agitation or worried body because when we are in good mood then our body makes good chemical and when our body is in bad mood then it makes bad or unhealthy chemicals. 

Step 5- Remain adequately hydrated - Many studies have shown that when we drink enough water daily then the chances of viral infections and their effects decrease many times. Therefore, do drink enough water daily or you can use lemon water or fresh juice to remain hydrated. Drinking one or two glasses of water empty stomach provides many health benefits. 

Step 6- Take an extra dose of anti-oxidants - Another method to increase our immunity is to make some extra or regular doses of Vitamin C, Zinc, Vitamin B complex, and Vitamin D. Anti-oxidants help us to get rid of harmful free-radical and help us to increase our Immunity. By eating fresh and green vegetables, we can get a good dose of antioxidants to fight external pathogens and viruses. 

हिंदी में पढ़ें

In lesson 5 of Success mantras (Time Management and Success), I have highlighted the importance of using time wisely in life because the time used in the right way and in the right direction can give us many positive results. However, we can see large numbers of people wasting their time because they do not understand the importance of time and how valuable is time. Mostly, people believe that they have a lot of time in life to do a number of things; therefore, sometimes they waste a lot of time on unnecessary things and activities. These people only understand the importance of time when they have no time left to do things or they face difficult situations. Also, read - Successful people respect their time. 

At this time, they realize that they wasted their time unnecessarily. However, after reaching this stage, it is very hard for anyone to do anything and the only option available in the hand of these people is to repent for their actions and time wastage. Time is like money and it is very important for all of us to spend it with care. Many people fail to hold money because they are poor in money management. If we do not spend our time carefully then we slowly loss our valuable time and soon will have no time left to do anything.

 For example, if you want to achieve some goal in life then it is important for you to work wisely in a direction to achieve this goal by utilizing your time well. But if you do not utilize your time well and waste your time then you are sure to fail in achieving your goal because you didn’t work well and on time in the direction to achieve your goal. The chances of success for those people increase many times who consider their time as money and utilize it like money. These types of people generally succeed in life and make good progress. Whereas people who do not understand the value of time in their life; just fail in achieving anything good in life.

How Time is Money

In 2015, I wrote a similar post for my Hindi Thoughts (Suvivhar) app. (To read this post Click Here). In this post, I requested you to download and try my Hindi Thoughts app. I am Arvind Katoch and I am running my Hindi Thoughts (Suvichar) and Quotes site hindithoughts.arvindkatoch.com for the last 10 years. Today, this site offers millions of Hindi Thoughts, Hindi Quotes, and Suvichar in the form of HD picture messages. You also get a chance to read the translation of all Hindi Thoughts with their meanings in Hindi and English. 

To make it easy for you to read these Hindi Thoughts and Quotes, I create many Hindi Thoughts (Suvichar) App, and the name of my first app was Best of Hindi Thoughts and Quotes. With time, we need to leave the old app for the new and improved version. The last two apps got more than one million downloads and 4 plus ratings on Google play. 

Download 200 Hindi Quotes Pictures Ebook (Rs 40 Only) 

Today, you can find many copies of the apps with similar names online whereas my apps are the oldest and they offer the maximum number of Hindi Thoughts, Hindi Quotes, and Suvichars to read. It is much easier to share these Hindi Vichars with a single click. 

To keep the app size small, all images load from the external source (not making any pressure on your mobile memory). App buttons are very simple and you can easily manage them. 

I look forward to the same kind of love for the new app as you have given to my previous app. You can reach me at email - hindithoughts@arvindkatoch.com to send any complaint or suggestion related to the app. 

Download Hindi Thoughts Ebook   (Rs 40 Only)

Examples of Latest Hindi Thoughts and Quotes -

1) 

In the previous post, we learned about the importance of confidence in life to achieve success, and today, we will learn why fear is our enemy and how it stops us from achieving our goals. 

"Life begins where fear ends. OSHO"

Today, I am starting my post with a quote by the OSHO on fear and I found it very much true. I have seen many people in life not able to live their lives to their full potential because of some fear. Now, this fear may be different for different people depending on their situations, however, one thing is very much clear fear stops many people from living the life that they want. Without overcoming the fear no one can think about living a free life because his concentration will always be on the fear. Therefore, if we want to live a life as per our will then we need to overcome our fears. 

It is quite true to us that people who have achieved great success in life are the people who have overcome their fears and did things in life that they first feared. Recently, I was driving on a narrow hilly road. I was fearful at first but I overcome my fear with a careful and slow drive. Soon, I was able to enjoy my ride on these narrow roads and it becomes one of the most favourite road trips which I will always remember.  The job of fear is to stop us from achieving success in life. 

Somewhat fear is good for all of us and reminds us to not do things that are harmful to us. However, when we start giving too much importance to fear than to our own potential then it starts doing harm to us. Instead of giving energy to your fears, one must focus on his dreams and actions. With careful efforts and preparation, we can overcome most of our fears and do things that we were fearful of doing earlier. For example, if you are fearful of speaking in English then you can overcome this fear with practice in front of a true audience. No one is born as a learned person from the womb of the mother, we all learn here in this world only. 

Life is a short and interesting journey in which we all cross through many hurdles and one of the biggest hurdles is to successfully complete what you dreamt for yourself. Most people fail in it because they remain busy completing the dreams of others. There are many people around us who can mold us to work for their dreams in return for some money and emotional comfort. We become so busy completing the dreams of others that we are hardly left with time to complete our dreams. People are very good at playing with our minds and changing our directions of work in life. Therefore, it is very important to not allow others to manipulate us for their benefit. 

We can only find extreme happiness in life when we achieve what we really want to achieve and not just by completing the dreams of others. It is good to help others and but we should also be careful about our own dreams and life. The big disadvantage of helping others in completing their dreams is that they just use us and forget us when their work is done. At that time, we remain alone and frustrated and repent our decisions of the past. Therefore, it is important to work for your goals first and not stop till you accomplish them. This is the only way to get a peaceful end of life or die as a king. Otherwise, we just have a bundle of mistakes and miseries. 

Life can only be made beautiful when we learn to live it in our way and not in a way as directed by others. If we want to see the heights of glaciers or the depth of seas then we should be present in those places rather than working to fulfill someone others dreams. It is the weakness of a person to take the ways which look easy but he didn't understand that these ways will not lead him in the right direction. So, I hope from you that you will take the hold of your life in your own hands and become the creator of your beautiful life. You can read some Best Books wrote in this category to become a strong person. Books provide us valuable lessons from the lives of others and by reading them we can avoid many mistakes in our life too.