Heloo my wordpress readers,

This post contains how to be free from Financial aquaties: Chances are if you came across this post, you are looking for a way for you – as a young recent twenty-something – to acquire the tools that so many of us wish we had had when we were just starting out on our own. Even if you are a slightly more seasoned pro (or on the opposite side of the spectrum), there is still plenty for you to learn.

Nowadays, i have come to know many people who are young and having lakhs and lakhs in their kitty, with obvesly with their hardwork and destin. But don’t we think sometimes that we should get retirement from Financial Burden?? Here are rare and self implemented items , with wich you all can earn somehing in very small age.

1. Create a Budget. I cannot stress enough the benefits of creating a solid budget at a young age. Had I done this when I was 21 and fresh out of college, my life would have been made a lot more simpler!

Why, you may ask, create a budget? “I know how much money I have to spend… I don’t have a lot of bills. What good will a budget do for me?”

There are two parts to this answer. First, having a budget creates a good habit for when your financial situation grows more complex with experience and age. Second, it forces you to keep track of how much you spend on what. Do you know how much you approximately spend in food each month? How about entertainment? Those beers at the local happy hour bar can surely add up over time – if you aren’t careful.

There are several tools available to you on the internet to create your first budget, but I find this particular calculator to be useful from CNN Money: http://cgi.money.cnn.com/tools/budget101/budget_101.jsp

Although many of the items you may not have anything to do with yet (who worries about life insurance at the age of 21? à although you should! I will tell you why in another hub), it forces you to really think about how much you spend on certain items. If you live in a densely populated city, chances are you pay a lot on parking. Is there a way you could save each month by walking a little more or taking public transit? Force yourself to consider such questions and hold yourself accountable. When mom and dad aren’t paying your bills anymore, there is no one to answer to but yourself.

If you are a frequent user of a debit card (I personally rarely ever carry cash), it is easy to see how much you spend each month on certain categories. Add up all the girls/guys nights, road trips, and movie nights and throw them into the “Entertainment category.” Mark all of the dinners out, work lunches, and trips to the supermarket and throw them into “Food.”

Even if your financial situation is as basic as it can get, it is good to formulate a good system now.

2. Learn the difference between “needing” and “wanting.” Learn to discipline yourself in situations where you will be especially prone to spending. One area a lot of my friends found trouble in was evenings out. After a few cocktails and some good dances, the “buzz” takes over and their spending increases as they care less and less about the repercussions. One way to combat this is to always go out with only cash and leave your debit card at home. You will know that you have to expense enough cash for the trip to and from the location, leaving you with a set sum of what you can spend that evening. That way, when the “buzz” gives you that extra edge, you have no choice but to ward it off. It would amaze you how much unnecessary cash is spent on nights out. I don’t know how many times I looked at my bank account the next day and went, “I spent HOWmuch?”

3. Manage your credit responsibly. One trap you need to be very wary of is the ever-infamous Credit Card. Although credit cards can help aid you in building up your immature credit, they only do so if you are extremely cautious AND responsible. Start off with a card that forces you to pay off the balance at the end of the month. This way you will only spend on that card what you know you can afford by month’s end. This resorts back to the budget; if you budget how much you have to spend, you know how much can go on the card. Do NOT exceed this!

4. Know your loans. If you are coming out of college with a lot of debt, as so many of us do, learn to manage it wisely and take pro-active steps. If you did not get your hands dirty in the matter while in college, sit down with your parents and ask them to go over every single aspect of your loans: What are their interest rates? What are their payment plans? What are the penalties for missing a payment (it will largely affect your credit!)? You have six months after college to figure this all out as your loans will be deferred until then. Make sure you know all the facts before you begin paying. If you understand your loans, you’ll have more of a kick and drive to pay them off in a timely and efficient manner. (And don’t forget to budget them!)

6. Break the mold. This is the hardest thing to do. When all of your friends are purchasing their BMWs and flat screen TVs, discipline yourself. Do you really need all of that right now? Sure, it satiates the whole “image thing”, but will it keep you financially responsible for your future? If you can afford the nice luxuries right now by squeaking by just barely – avoid it. Live on what you can live with comfortably, and avoid doing what “everybody is doing.” We live in a world where we want want want. Want for less, and you will have more for your future tomorrow

7. Reward yourself. If you set goals for yourself, and by maintaining a financially healthy lifestyle, you attain what you have set out to achieve – at the end of the year reward yourself. Take that nice roadtrip to the city you always wanted to visit. I am not saying to live without any fun. I am saying to find fun in the smaller things in life, until you are secure enough on your own to do the “bigger things.”

Individuals that are secure in themselves manage money better. Be confident in yourself as a young adult to make good decisions, and think them through wisely. Know that money doesn’t define who you are, but it does dictate how secure you will live in your future

guyz , This points are golden for those who wana work on their own
By

Arpit Mahadev Chhaya

Hello friends,,

Today’s burning topic is CELL PHONES.

When you get in your car, you reach for it. When you’re at work, you take a break to have a moment alone with it. When you get into an elevator, you fondle it.

Cigarettes? Cup of coffee? Nope, it’s the third most addictive substance in modern life, the cell phone. And experts say it is becoming more difficult for many people to curb their longing to hug it more tightly than most of their personal relationships.

With its shiny surfaces, its sleek and satisfying touch, its mysteries and air of sophistication, the cell phone connects us to the world even as it disconnects us from people three feet away. In just the past couple of years, the cell phone has challenged individuals, employers, manufacturers and therapists in ways its inventors in the late 1940s never imagined

Sounds extreme, but we’ve all witnessed the evidence: The guy at a restaurant who talks on the phone through an entire meal, ignoring his kids around the table. The woman who yaks on the phone in the car, ignoring her husband. The teen who text-messages all the way home from school, avoiding contact with kids all around him

In today’s advance world the scenario is such that , now the world is turning it self to the abecasy of the VIRTUAL IMPOSETION. and the mobile companies are more efficient to satisfy the needs.. for an example.. people watches movies , news paper and social networnking via mobile… i bet you friends in upcomming 3 years of time the paper will be lesser than the today. but the thing is not such like .cellp phones are bad no , not a tall it has many good qualities but who wants to nurtch it.

TV programs like cell guru and gadget guru are showing and incresing the intemecy of bringing new technology.

some interesting facts:
Most emerging countries in Asia and Africa have skipped right over wired phones and launched straight into the wireless age. Naturally, India and China are the two fastest growing markets: Nearly 6 million people signed up for cellular service in India in August alone; the one-month total in China was around 5 million.

In Spain, where a population of 41 million people has more than 35 million cell phones, authorities complain that obsessive-compulsive behavior has afflicted teenagers disproportionately. Newspapers are filled with stories of young users spending so much class time making calls, receiving text messages and surfing the Web that they flunk out. A Spanish wire service reports that up to 15% of Spanish teens sleep with their mobile phones to make sure they can answer messages overnight. And to pay bills approaching $1,000 a month, some have turned to crime.

Over in Australia, a researcher at Queensland University concluded that cellular addiction stems from the fact that many users consider it to be a “security blanket” that improved their sense of self-worth and thus became obsessive in their perceived need to be near one. Maybe that’s why 300 million phones were sold last year with digital cameras fitted inside — which is way more than the number of stand-alone digital cameras sold. (taken from the john moyal- 18/06/2006 new yourk times).

i have tried to give some information and shown the diginess of the cell phone and also compared it to the cigar.. but friends i have to admit that in 24 hr a day I PERSONALLY USE CELL PHONES FOR ALMOST 8 HOURS…. and i have never taken cigar but for me as my mom says” YOU ARE ADDICTED AND MARRIED TO YOU CELL PHONE”

GIve me your feedbacks…

regards

ARPIT MAHADEV CHHAYA

Dear Readers,

This is Arpit Chhaya writting from baroda, gujarat. As this is my first ever post to wordpress.. i beleve in writting true and with vallid reason. The posts which i will make here may effect many of us but, please do not take it as a wrong manner and try to understand the hart of the post.

Today i am going to write about the burning subject of extra maraterial affairs. I know it seams to be interesting. Days back i had been to one of my cousin’s house, having chat and suddenly the topic of extra maraterial affair came to our knowledge. The woman having a 10 year old son and the man having 23 year old son are in Extra marital affair and since how long no one knows. my sister said, this is simply the understanding like this we as a “samaj” as a human and as public we have to think and accept that what ever they are doing is doing by the ” MUTUAL COncern” .. people give me one reply is it nessasary to do so???

Let me first tell you something true about the subject.

“Extra marital affair is the most prevalent problem that is engrained in the society from time immemorial. It is only that, then no one spoke about it and today people don’t hesitate to talk about it. Today it is the most common issue that frequents the doors of the marital therapists and the psychiatrists posing a challenge, as it is a traumatic interpersonal problem with intricate entanglements that seeks solutions with maximum efficacy.

An extra marital affair owes its emergence to many a different reason branching out from a disparate background in the marital setting. The most common ones could be unhappy marriages owing to incompatibility between the spouses, abusive marriages, financial instability, insecure family atmospheres or sometimes it begins as an experiment or even fun.. While these serve as apparent reasons, the background or the different settings that one is exposed to in the modern age also plays an extensive role in the happening of an extra marital affair .Work places, social settings and also thrives in the business field owing to the materialization of business objectives etc. Some others get into an affair with an experimenting mood that entraps them finding it difficult to get free.

Extramarital affairs could be normally categorized into two, one with a superficial base like a one nightstand but always in a danger to get serious and the second, being highly demanding and posing a serious threat due to emotional entanglements.

To quote an example for the first category there are people who get into an affair due to unsatisfied sex life, or otherwise. Its like infidelity cocooned within multiple affairs. These people seek to keep their marriage intact due to the fear of social stigma or the reluctance to give away with their conveniences. The subject may or may not be in the notice of the partner.

Emotional entanglements in extramarital affairs are the ones that serve to be more traumatic. The one involved is always thrown to situations where he or she is constantly seeking to justify the spouse or the partner outside the marital bond. To cite an example from a true life happening, a man, who had a love marriage, got into a relationship with another woman for lack of sexual satisfaction. So now, on one hand he has a wife and on the other he has someone for sexual pleasures. So comfortable is he here that he wants to continue the same way. To cover the guilt of an affair outside marriage, he showers his wife with lavish gifts and expensive holidays.

Even in cases where a person wants to put an end to his or her illicit affair, it becomes complicated if the partner within the extra marital affair has a firm grip over the concerned person either emotionally or for other conveniences refuses to comply with him or her walking out of the affair.

Spouses of modern times have come to terms with coping up with infidelity due to widened perception or vision or a change in the outlook towards life when compared to the older generation where earlier it was a hush-hush affair, today people speak about this in the open. Here is a case where in a lady married for few years with children steps into an affair without her husband’s knowledge. What started as one, turned out to be multiple, as she went partner hopping. Needless to say, she was comfortable in the situation she was in. Though at a later date, the husband discovered the hidden truth, he persisted on keeping the marriage, though his wife wanted out. Today theirs is a marriage of convenience, wherein, the wife still wanders in search of greener pastures and the husband waits, for reasons he knows best.

To judge whether one’s indulgence in an affair is right or wrong is open to the concerned person.. It is an occurrence in the normal senses other than the ones that are formed with a conniving attitude.

sucess of and with the modern attitude, Extramarital affairs are becomming so wast that a common human can not even understand the meaning of it. i have been seen that, and marked too that, this is nothing but at some extenet it is the sickness of mind and the need of body.

Friends, at my point is that, government has appoved the Lasbians and homosexual relations and the day is not far away when the Extramarital affairs are also going to be approved legally.. at that moment of time, social networking sites have to add one more option to their individuality status like.. for e. married, single widowed , and than they have to add the one more row for Extramarital affairs.

i hope the information i wrote to this post is clear and non fiction.

Thanking You,

Arpit Mahadev Chhaya.