[tweet_box inject=”@nextmashup @tedxwalledcity1″ design=”box_12_at” pic_url=”http://www.tedxwalledcity.com/images/speakers/divasharma.png” author=”Diva Sharma”]Girls seriously, you need to grab the mic and take part if you want to lead by turning opportunities into action[/tweet_box]
Diva Sharma is a class XII students from G.D.Goenka Vasant Kunj. She is a teen activist, orator and innovative thinker. She was the youngest speaker at TEDxWalledcity Event that was hosted at India Habitat Center, Delhi under the theme A Fair Chance. She talks about wide disparity that exists in education and access to opportunities between girls and boys at the school level.
Watch her speech
I have quoted some tweetable point from her talk here. You can tweet these:
[ap_tagline_box tag_box_style=”ap-top-border-box”][tweet_dis inject=”@nextmashup @tedxwalledcity1″]54% of the 72 Million children are not attending primary school.[/tweet_dis][/ap_tagline_box]
[ap_tagline_box tag_box_style=”ap-top-border-box”][tweet_dis inject=”@nextmashup @tedxwalledcity1″]Arround the world today nearly 2/3 of 774 Million peoples age 15 years and above illiterate are women. [/tweet_dis][/ap_tagline_box]
[ap_tagline_box tag_box_style=”ap-top-border-box”][tweet_dis inject=”@nextmashup @tedxwalledcity1″]Womens are getting only 30% in total research opportunity, and rest is reserved for males.[/tweet_dis][/ap_tagline_box]
[ap_tagline_box tag_box_style=”ap-top-border-box”][tweet_dis inject=”@nextmashup @tedxwalledcity1″]In a classroom, both male and females are learning, but when it comes to interaction, girls can’t take part even they know the correct answers and boys are more active even they don’t know the correct answers. [/tweet_dis][/ap_tagline_box]
Advice from Diva Sharma to girl students
[ap_li]Grab the mic and share your views[/ap_li]
[ap_li]Persue the class or course you want, do what you love.[/ap_li]
[ap_li]Dare to dream and take risks[/ap_li]
[ap_li]Never depend on luck, be confident and change your luck.[/ap_li]
8 Habits That Keep You Poor Even With A Reasonable Income
Have you ever wondered where all that money is going? Even after making a decent income, you are left with a few bucks by the end of each month. Have you ever tried to find out those undetectable holes through which all the funds are getting disappeared? First of all, you are not the only one who is dealing with such a situation. Second of all, we will help you know the exact reasons why you are failing to save money despite making a reasonable income.
Habits That Keep You, Poor, Even With A Reasonable Income-Whether the money stress is occasional or happens every month, it is one of the biggest problems that almost every individual faces. 70% of the population around the world aren’t able to save money even after having a decent job. That is the reason why many people are buried in debt and money lenders are getting richer day by day because they charge jaw-dropping interest on the loaned cash. This way poor keeps becoming poorer. However, some people genuinely need money after getting impacted by unforeseen emergencies. But some often leave beyond their means and don’t think twice before making any financial decision. As a result, they not only fail to save money but also remain poor even with a reasonable income.
What money habits keep you poor? Learn to improve them and amass money!
Managing money is the biggest task that each one of us encounters on a daily basis. People work hard, some even do extra shifts to earn additional money but they fail to save it for rainy days. This cycle keeps continuing and when the actual emergency pops up, then financial stress shakes their world. To tackle such a situation, you need to analyze the problem first. Once you know what habits are pulling you down from saving stash, you can easily break them.
Bad Habits That Keep You Poor Even With A Reasonable Income,To learn more, keep reading
So here are some major poor money habits that are stopping you from becoming financially sound.
1. Prioritizing spending over saving
It is the biggest mistake that almost every person does. The moment you receive the pay cheque, you prioritize paying all the bills like utility, credit card, settle the loan, etc. Once all these bills are settled, you might go holiday shopping, for dinner, or clubbing places . Here, you are wasting your money on a plethora of unessential things. As soon as you are thru with all these things, you are hardly left with anything to save.
What to do?
It’s never too late. Do some corrections here, there is a high scope of achieving a lot. For that, you need to save your money first and then spend the remaining fund only on essentials. Set aside a fixed percentage of your monthly income and save it in a separate bank account that is not linked with any shopping, or food ordering app.
2. Not following a budget
Not preparing and following a poor budget means you will spend on both essential and non-essential items without thinking twice. A good budget helps you to stop loosening your wallets every time you see enticing things. Budgeting is a plan where you draft all your spending for the month beforehand. It helps people to stick only to their needs and avoid any debt.
What to do?
Whether you are comfortable making an excel sheet or making it in your diary, jot down every essential thing that needs to be taken care of in a particular month. Avoid buying any unnecessary things, at least for a few months till the time you don’t save a decent amount for emergencies.
3. Not investing
After following the first two steps, hopefully, you start saving some money. But piling money or keeping it in a bank account will not provide you the interest that investing it would. You can earn a high return if you consider investing your money. If you are thinking of building long-term wealth, then investing is an essential step toward achieving this goal. You need to choose investment plans according to your financial goals like long, medium, or short.
What to do?
You can start with safe products like FDs, RDs, retirement funds, or PPFs. Buying health and life insurance is also a smart move. If you are interested in investing in stocks, dividends, or mutual funds, consider taking a professional financial adviser’s help. They can help you make the right choice of funds and where the risk of losing money is less. You can also check common mistakes every stock broker wants you to make before beginning your investment journey.
4. Not preparing an emergency fund
Life is very uncertain. Therefore, it is essential to save for emergencies. Any unpredictable event like the loss of a job, medical emergency, natural calamity, etc. can make you suffer financially. Not having funds for such rainy days can push you towards taking debts to tackle the situation. Many financial experts suggest that an ideal emergency fund should cater to your necessities for at least 6 months.
What to do?
You can dedicate 10% of your pay towards building an emergency fund. Consider selling off all unwanted items you have right now. You can cut off all unnecessary subscriptions like gyms, magazines, streaming services, etc. Avoid using credit cards, instead, carry cash wherever you go, so you have a fixed amount of money to spend. This way you will surely regain financial security in your life.
Also, check – What is the deductible in health insurance?
5. Relying on loans
Earlier people used to take loans for buying a house or car but nowadays they take loans for buying the smallest gadgets or kitchen appliances. Loans are good options for big purchases but if you paying EMIs for your iPhone or new microwave then this habit can lead you to the darkest hole of debt. This can badly impact your financial health. A good loan is taken for creating an asset that gives you great returns in the future like ‘real estate. Bad loans are quickies that are taken for buying gadgets or even worse to reduce another ongoing debt. Before taking loans you need to check whether you are able to afford them or if it is necessary.
What to do?
You need to keep a check on your expenditure and strictly avoid purchasing things based on your wants. Avoid taking loans. If you cannot help but take it then check your affordability. This is because being unable to pay back the loan with interest can push you into a debt cycle that never ends.
6. Not caring for future
It is a famous saying that we should live our present to the fullest and not worry about the future. We don’t agree with this, especially when we are talking about money matters. Not caring for the future and just focusing on the present is a recipe for a great upcoming financial disaster. Many people take care of their present needs thinking that the future is unseen and believe in enjoying the very moment.
What to do?
Taking care of the present is good but solely thinking about the current wants and needs is bad. Securing the future is more than important, like we discussed in the above points that unforeseen emergencies can knock on your door any day. Especially when you least expect it. Considering future events, start building funds.
Also, check – Essential Things to consider before you tie the knot
7. Overlooking debts
There is a huge percentage of people whose major chunk of the paycheck goes to minimizing their debts. Debts are the real enemies of your financial well-being. Things become even worse when people take debt to get rid of another. This way the cycle of debts never ends in their life. As a result, they fail to save a single penny from their monthly income.
What to do?
First of all, to avoid debts in your life, you should never take any. But if you are dealing with multiple debts due to some unavoidable circumstances, then prioritize paying them off ASAP. Paying the debts with the highest rate of interest should be your topmost goal every month. Plan out things that help you get rid of debts soon.
8. Impulsive buying
Are you someone who keeps buying stuff whether it is at a discounted price or not? Or else you keep putting unnecessary things in your cart and end up purchasing them without a prior plan. Then you suffer from impulsive buying which can lead to serious financial issues in your life. Many people justify these unplanned actions by saying it was a need not a want. Random purchases wobble your monthly budget and put a hurdle between realizing your financial goals.
What to do?
Stick to your need and avoid buying all those enticing and glittery things which you don’t require. If you will focus merely on your wants then you will get distracted from your goals. If you soon don’t work on this habit, you will keep swiping your credit cards to fund such purchases. Suppress your wants till the time you don’t realize your long and short-term financial goals.
If you think that your spending is greater than your earnings, it is time to drop some bad habits and adopt good financial behaviors. Magic will not improve your situation, you need to take a sharp look at the spending habits that you have built over the years. If you will work on yourself, control your impulsive purchases, and focus on saving more rather than spending it, then you can create wealth in no time.
Analyze the problem in the first step then move towards fixing it. You can end your money problems with a little tweak in your lifestyle and money habits. That’s all you need. Use your money wisely and prioritize saving.
Always remember, never sabotage your permanent financial stability for temporary happiness!
Special Offerings for the 9 Forms of Navaratri Goddesses
The Sanskrit word “Navratri” means “nine nights” in English. These nine nights are celebrated with tremendous zeal and intensity by Indians all over the world. The ceremonial fasting, poojas, and adoption of a tranquil, meditative lifestyle are observed throughout these nine days of celebrations. The Divine and her nine incarnations are honored during this Hindu festival.
Special Offerings for the 9 Forms of Navaratri Goddesses -Hindus revere the nine various forms of Shakti or Durga on every one of these nine days. Special prayers and sacrifices are welcomed by the “Nav Durga” or “Nine Forms of Durga.” Every Hindu home emphasizes the importance of Nav Durga, notably during the Navratris when Devi descends from heaven to bestow her blessings on her devoted followers.
Facts Regarding Maa Durga’s Mythological Incarnation
According to a tale, the lips of Mata Durga arose from the grandeur of Lord Shiva, the hairs from the splendor of Yamraj, the arms from God Vishnu, the breasts from the Moon, and the waist from Indra to release the Gods from the horror of the Demons. The thighs and calves were made by the glory of Varun, the navel (Umbilical Chord) by the splendor of Brahma, the foot by the splendor of the Sun, the fingers by the splendor of Kuber, the nose by the splendor of Agni, the teeth by Agni, and the eyebrows by Vayu. The Goddess Durga’s other bodily parts are developed in the same manner.
The nine forms of the Devi on each day of Navratri, along with the Bhog or prasad that is made especially for each.
Goddess Shailputri is Durga’s first incarnation. She rides a bull named Nandi while wielding a Trishul and a lotus, according to the Vedas. According to the Shivpurana, Goddess Shailputri was given the name “Sati” when she was born to Daksha Prajapati in a past life. Since she was a little girl, Sati has been deeply dedicated to Lord Shiva, and she diligently pondered to conceive Deity Shiva as her husband.
She received the wished-for blessing from Lord Shiva, who also welcomed her as her spouse. Sati’s dad Daksha Prajapati did not approve of the relationship and humiliated Shiva by not calling him to one of his special meetings. Sati set herself on fire and gave her life in dedication to her husband after becoming enraged at the treatment he had received. Sati was given the name Shailputri after she gave birth to her next child, who was a daughter of the Himalayas, the Lord of the Mountains. Additionally, Sailputri is revered as Parvati or Hemvati. During the first day of Navratra, Shailputri is worshipped. Pure desi ghee is offered by worshippers at Shailputri’s feet. A pure ghee sacrifice is thought to grant the devotee a life without fear of illness and disease.
Also, read – Vital Life Lessons From Lord Ganesha
The goddess Brahmacharini is honored on the second day of Navratri. In Hindu texts, she is shown as a two-armed, white-clad monastic goddess clutching a Kamandalu and rudraksha mala. She is standing with the deepest commitment and piety. Her contemplative state is connected to the harsh penance Sati and Parvati undertook throughout their individual incarnations to win Lord Shiva’s favor as his cherished spouse. She also goes by the name Tapasyacharini. According to legend, Parvati was turned into a skeleton as she was engrossed in her intense concentration to appease Lord Shiva. All the devas and Gods, who were astounded by her respect, gave her the title of Bharahmacharini in recognition of her stern penance. It is known that worshipping this manifestation of Shakti brings forth the spirit of patience, sacrifice, integrity, and dignity. Simple meals and offerings are loved by Goddess Brahmacharini. Devotees offer the goddess Brahmacharini derivatives of sugar and fruits.
Goddess Chandraghanta is Durga’s third incarnation. She is shown as an angry, furious Goddess with ten arms. Navratri’s third day is dedicated to worshipping Chandraghanta. She is known as Chandraghanta by her followers because of her golden skin and crescent-shaped forehead tattoo. Scriptures claim that during a massive conflict between gods and demons, the sound waves from her ghanta (bell) killed a vast number of her evil foes. She is said to destroy all that is evil and wicked and rides a lion. When milk, sweets, or kheer are presented, the fierce Goddess is gratified.
The devotion of Goddess Kushmanda takes place on Navratri’s fourth day. ‘Ku’ (small), ‘Ushma’ (warmth or energy), and ‘Anda’ (cosmic egg) are also part of the term Kushmanda, which refers to the “Little Cosmic Egg” that was responsible for the universe’s creation. Hindu mythology holds that the cosmos was once a gloomy place and that Goddess Kushmanda’s smile generated the Cosmic Egg. In order to honor the Goddess, devotees observe fasts and give Malpua as bhog.
On the fifth day of Navratri, also known as Panchami, Skandmata, Durga’s fifth manifestation, is worshipped. Goddess Skandamata is shown as a four-armed deity with a bell, a kamandalu, and a lotus in each of her arms. Additionally, she is seen sitting Kartikay on her lap.
The goddess is known as Skandamata because Kartikay is also referred to as Skanda. She stands straight and tranquil. She is riding a lion, yet she is also sitting on a lotus. It is believed that offering the goddess a bhog of bananas will keep the followers healthy.
Goddess Katyayani, a manifestation of Shakti, is worshipped on Shashti or Navratris’s sixth day and is portrayed as having four arms and a sword.
In order to destroy the buffalo monster Mahishasura, Goddess Durga assumed the shape of Katyayani. Goddess Katyayani, a warrior embodiment of Goddess Parvati, is particularly ferocious because the demon was destroyed as a result of her vengeance. She can be satisfied with genuine piety and devotion and rides a lion. She is Sage Katyayan’s daughter. Honey is offered to Goddess Katyayani by devotees as prasad. Their lives are made sweeter by her blessings, which also assist them in overcoming difficult situations.
On the seventh day of Navratris, people worship the goddess Kaalratri. Goddess Kaalratri is depicted in Hindu scriptures as a four-armed divinity who travels on a donkey. She carries a trident, a noose, and a sword. She has a dark, fearsome visage and is Durga’s furious form. On her forehead, she has three eyes that are said to hold the cosmos. She exhales ferocious flames of fire and shines with dazzling beams. Devi’s this avatar is renowned for having dispatched the evil demons, Chand and Mund. Kaalratri, who appears fierce on the exterior, grants her devoted worshippers shelter from bad spirits and forces. Jaggery or sweets produced with jaggery are offered by worshippers. Along with Dakshina, Brahmins also receive the prasad.
Mahagauri is honored on Durga Ashtami, the eighth day of Navratri. Mahagauri was revered as a four-armed god who rode a cow or a white elephant, according to the texts. She is carrying a damru and a Trishul. Parvati gave up all conveniences and resided in a jungle for intense meditation when she made the decision to go on an extreme devotion in order to conceive Deity Shiva as her consort. She persevered with her meditation for a number of years despite the scorching heat, coldness, rain, and horrible storms. As a result of her intense penance, Lord Shiva came in front of her and sprinkled pure Ganges water over her. All the filth was swept away by the Gangajal. She reclaimed her original attractiveness and adopted the name Mahagauri. Coconut is presented as bhog to Goddess Mahagauri by her followers. It is commonly accepted that giving coconuts to Brahmans on Ashtami will grant a child to a couple who are barren.
Goddess Siddhidhatri is portrayed as a four-armed deity who is serenely sitting on a lotus during the ninth day of worship. She also carries a book, discus, mace, and lotus. This manifestation of Shakti represents the triumph of wisdom and knowledge over ignorance. In Sanskrit, the word siddhi means success. Goddess Siddhidhatri represents perfection as a result. Devotees keep a fast on the ninth day of Navratri and sesame seeds are presented as bhog. This is thought to shield the believer and his home from unfavorable occurrences.
The nine-day celebration offers the opportunity to adore Maa Durga in all of her manifestations. You now know what to present to Maa Durga in her many avatars. Go and serve this bhog to them during these auspicious days to seek the blessings of the Devi.
Happy Navaratri 2022 🙂
6 Essential Things to consider before you tie the knot
Things to consider before you tie the knot-While falling in love is a beautiful experience, there are many other things to think about before you decide to tie a knot with your beloved partner. All marriages are quite unique; you essentially create your personal rules to accommodate one another’s requirements and expectations.
Different people respond to different things! Some couples prefer to have separate bedrooms, while others won’t stand it if their partner maintains strong ties with the other sex. You’ll be ready for the situation if you discuss it and spell out the dos and don’ts before the wedding bells. So, if you’re getting married soon, you should discuss these topics with your spouse before the big day! Keep reading!
Essential Things to consider before you tie the knot
You essentially agree to combine funds with someone when you choose to share the entirety of your life with them. In the majority of situations, you share their victories and losses. Additionally, signing a prenuptial agreement does not lessen your ownership of your spouse’s financial affairs in any way.
To prevent any surprises after you are married, you must first fully understand the nature of your partner’s enterprises. You can better organize your life if you know whether either of you has any existing debt and the amount of money you both bring in each month.
Also, Check – Habits That Keep You Poor Even With A Reasonable Income
This is because you’ll need to set aside money for savings as well as pay future expenses and maintain a functional household. The next question to consider is, “Are we having separate, joint, or both accounts? ” It’s critical to be upfront about money issues since they might be touchy during trying times in a relationship.
Honesty and Transparency
A marriage might end for a variety of complex or straightforward causes. There is no getting around the reality that communication is essential to a successful marriage, whether it be for simple problems like a significant emotional miscommunication, all the way to more complicated ones like just losing love with someone or having different expectations for the future. If you want to make all this situation work, in the long run, the very first element you need to perfect in your relationship is honest and open communication.
If you want to be wedded, you absolutely need to be as honest as possible. Neglect about taboos or anxieties. Forget about hiding or feeding your partner facts about you and your life. By doing this, you’ll be able to identify any concerns before they arise years or down the road, as well as determine whether you and your partner share the same page and have similar life goals.
Children or Not
Are they something we desire, and exactly how will we nurture them? The position each partner takes on having kids in both these scenarios should be clear to the couple. Although it may seem clear that this would have been discussed before getting married, this is frequently not the case, and arguments over this crucial matter ultimately result in divorce.
It is crucial that couples tackle difficult subjects right away and are transparent about their respective views on having children. If the need arises and in light of the severe strain that trying to conceive may have on a relationship, talk about infertility treatments. Talk about your views on adoption. Discuss family size objectives while keeping in mind that often some things are beyond our hands.
You may opt to become a doctor one day if you’re single. But if you’re married, you may simply need to follow through on your plans. It’s reassuring to know that you’re on the same team and that your plans are coordinated, so don’t be shy about getting all the information you need to feel at rest.
What exactly are the long-term objectives, you should be asking? Are we able to continue this job? Basically, you should be aware of both options so you can back one another in achieving your professional objectives and have a family plan for the future.
Where You’ll Live
It’s crucial to decide where you’re going to live depending on your ambitions and aspirations when you’re talking to your potential partner about your perspective and how you’re going to organize your lives once you get married. Take your time while you prepare for this crucial stage because there are numerous factors to take into account.
First, let’s talk about kids. When choosing a new home, having children makes all the difference since you will need a larger living space in addition to finding the perfect neighborhood to flourish as a family. Next, think about your personal requirements and how close you are to your workplace, friends, and family.
Choose wisely and keep the long term in mind when deciding whether to relocate into a metropolitan pad or a true family house in the suburbs. Both alternatives demand you to adopt a special lifestyle and mentality.
Spot the Red Flags
Are there things that give you a sense of unease, insecurity, or unease? Set aside some time to discuss it freely with your partner. To help you with that, you can use the communication template: “When Y occurs, I experience X. I require Z.
Consider getting outside advice for more effective methods to handle this if talking to your mate about it doesn’t help to settle the problem. But keep in mind that having difficult talks without jeopardizing your relationship is a sign of a good connection.
Also, Check – Romantic Surprise Birthday Party Ideas for Couples
Couples don’t have to accord on all the important problems, but they ought to be able to speak about them and come to a compromise. They might wish to think twice if they feel that it is unattainable.
If you intend to wed the love of your life, keep in mind that marriage involves serious planning and preparation in order to succeed, as opposed to just cohabiting or being involved in a relationship. Use these suggestions to assess your readiness for marriage and, of course, to create the foundation for a bright and fulfilling life together.
I hope you live a happily ever after fairy tale 🙂
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