3 Important Tips To Earn The Most Out

1. Research All The Way

Fixed deposits are traditionally the safest investment option when compared to mutual funds or stock as the returns you get aren’t linked to the economic conditions. Ideally, an FD would get you returns of about 6% – 9% on your investment.
In order, for you to get the most money out of your fixed deposit you will need to do your due diligence to find the best offers. One way to do this would be to get in touch with a handful of top banks or NBFCs and get a quotation of the rates they offer. Once you have all the offers in hand, you can select a deal that gives you the best interest rate.

2. Split Your Fixed Deposits/Term Deposits

If the interest on your fixed deposits/Term Deposits earn more than Rs. 10,000 a year, they will be eligible for a Tax Deduction at Source (TDS), which can be up to 10%. In order for you to make sure the deduction doesn’t happen, you can split your deposits such that the total interest earned would not be more than Rs. 10,000 a year.
Doing so can also be advantageous for you because you wouldn’t have to withdraw your entire FD if and when a cash crunch arises. Instead, you can break one or two while others will keep getting you the predetermined interest like it used to.
However, an important aspect worth noting is that you will need to mention the FD earnings when you file your tax returns, unless you want the IT department to come knocking on your door for tax evasion.

3. Refrain From Making Regular Interest Withdrawals

Every FD you apply for provides you with a number of options: one, withdraw the interest every month or quarterly or let it rest and gain more interest. When such instances occur, choose the latter. This is because when you withdrawing the interests regularly, you will not get the benefit of your FD’s interest compounding.To tackle this situation, you can reinvest the earnings to let it earn much better returns.
To summarise, term deposits are one of the safest investment options which guarantee decent returns on regular intervals. If you are looking to make the most out of them, you can use the options listed above and be a more pragmatic investor.

Tips For Trading Part Time

Learn Swing Trading.

Swing trading is a great way to profit fast, without having to be tied to your computer all day long. As a swing trader your goal would be to hold stocks from a few hours to a few weeks, depending on what sort of trading plan you have, and also the market conditions at the time, will also play a factor. While there are many different trading strategies, you will need to seek to capture the stocks sweet spot or the majority of the trend to profit. No one on the stock market, or even a mathematical genius can buy at the exact bottom and sell at the exact top. What astute investors do is try to capture the middle part of the move and profit from this. It also means you do not have to watch the ticker around the close. It’s a nice easy free flowing way to make huge profits as a part time trader.

Develop A Core Strategy.

Even a successful Olympian will need to have a specialized move or training practice, and the same goes for being a trader. Successful traders will always rely on a bread and butter strategy to maximize their profit potential each month. This could include a special mix of strategies of breakouts, pull backs, trend channels, and post earnings events. If you can master these, you can make off like a bandit.

Once you get to know how to use these, and look for them, things become automatic and your monthly profits start to increase. Which means you can invest more money and potentially earn more at the same time.

Have A Good Watch List.

Having a good watch list as a trader is something you should build on daily or monthly time frame. It is said in trading, when you build a solid foundation for what you watch � profits will come much more easily. Let’s say you have a list of 20 stocks you are watching each day, and you keep your eye closely on what is happening, you can focus down and notice rally’s or sharp declines at the start of the month. Once you have a clear set watchlist and take notes and study individual stocks, that would be much easier than just lumping $10,000 on a penny stock blindfolded and cross your fingers, hoping for the best. Normally the best traders know and understand individual stocks even down to how they trade at the start or end of the day.

Have Stop Losses Just In Case.

Every good trader knows that no matter how good you are, or how good you think you are as a trader. At some point you are going to get a trade wrong. It’s the nature of the beast for which you are going to have to accept and just roll with.

Accept that things can go pear shaped, and if that does happen you need to have a strategic plan in place so that you can keep your money or keep losses to a minimum. It’s said that what sets apart traders is the human psychology, meaning it’s always easy to admit you are wrong, but if you are wrong and losing significant amounts of money how long do you stay wrong before you get out of the trade. Normally the longer you stay the more you lose. So it’s always opportune to have stop losses in place, and always know where you want in, and out of a trade, before you execute the trade in the first place.

There are some very bad horror stories with many traders. Everyone has one, but it usually comes down to self-defeat and when a trade goes against you, not getting out thinking the trade will just come back after you are wrong, only to see the trade get even worse and losses end up to be horrific. Remember Self-preservation is the key with trading. If you are wrong, admit it, let the stop losses hit and move on to the next trade. Traders with this attitude do take losses, but over the long run always win and end up on top.

Fundamentals Of Ashtanga Vinyasa Yoga

An interview with a Yogi reveals the honest and real facets of yoga. This one on one is an insight into the famed yogic practices and postures known as “Ashtanga Vinyasa Yoga”, and is famous as Ashtanga yoga in India.

Can we classify or differentiate yoga?

Yes, we can. There are different types of yoga, yogic practices, and branch. However, all yogic practices lead to a common goal of achieving harmony of “body, mind, and soul”. The ultimate purpose of every branch or type of yoga is attainment of supreme consciousness.

The two primary types or form of yoga are “Ashtanga Yoga and Iyengar Yogic practices”. There are also 6 other branches or types of yoga, which are significant in their own practices.

Explain the meaning and conceptualization of Ashtanga Yoga?

Ashtanga is derived from two words “Ashta and Anga”. These two words finds its origin in “Sanskrit” one of world’s oldest language, in which all secret sciences, mythology and epics of Hinduism is written by sages many thousand years ago.

In English “Ashta” means eight and “Anga” means limb. Thus, Ashtanga together resembles in English ~ eight limbs path. Therefore, “Ashtanga Yoga” is concept is about the eight limbs fundamentals based on yoga philosophy of Patanjali.

Ashtanga yoga teacher training in India is based on many Vinyasas, and is helpful in developing core strength of body, toning of muscle, potency of mind, and powerfulness of soul. It’s also one of the primary conceptualization of Ashtanga practices and as stated in Patanjali sutras.

Ashtanga Yoga was an ancient art of healing, science of holistic therapy, and practice of attaining supreme consciousness. It was forgotten long back, until its sudden emergence during 20th century “world health and good lifestyle revolution” especially in West.

Its conceptualization in contemporary world is based on “eight limbs path, physical yoga postures, asanas, breathe control, and recommended diet patterns”.

Can you give us a crisp insight into history or Background of Ashtanga Yoga?

Ashtanga Yoga is an inseparable part of Yoga and its practices. Yoga dates back to 5000 years B.C. and is explained in “Vedic Philosophy & Tantra”. Thus, Ashtanga Yogic practices find its root in 5000 years old book of “Patanjali Yoga Sutra” compiled by great sages of that era.

In Vedic Philosophy “Lord Shiva” is revered as the first yogi, and Saptharishis are considered to be the first batch of students, who learnt it from the lord itself. So, its background goes back to the early times of human evolution and in its sutra where the eight limbs paths are defined.

About Yoga and Its Secret Goal

I would like to share a secret about yoga and its real purpose. Perhaps, you already know what it is.

Reflect for a moment.

After all, isn’t all knowledge ‘hanging’ somewhere in some collective consciousness? Often, learning is remembering, or recognizing something distantly familiar.

As a cohesive, practical system, yoga was developed over five thousand years ago. Why did it take this long to become popular? Five thousand years! There have been many yogis throughout history, but never was the system so widespread as it is today. Is there something about yoga that stunted its growth in the past?

Ancient yogis recognized powerful effects of this practice on one’s physical, energetic, and mental constitutions. As a service to the world, the rishis of the past sent out a wish into the future (a mental projection of sorts) that whenever the planet needs this ancient wisdom, it would re-surface.

And like a seed planted long ago, yoga popularity has germinated, sprouted, and now become a beautiful bloom with all of its traditions, styles, and variations. Obviously, the need is here and now. The world needs its message. Why? What is so special about yoga? What did ancient yogis foresee?

They saw Ego. Yes, a huge ego, growing into billions of faces and invading hundreds of cultures. The ego, or the sense of separateness, is an essential part of the mind. It places us in the infamous human predicament: ensuring our physical and mental safety, but robbing us of the continual experience of inner peace.

As a protective mechanism, the ego continuously strengthens itself through physical training of the body, conditioning and education of the mind, securing a ‘comfortable’ place in the world socially and financially, and so on. Basically, the ego always looks out for itself, even at the expense of others.

When dealing with other egos, there may be conflict. If unregulated, conflict may grow into war. History has shown how prevalent wars have been in ‘solving’ ego’s problems.

However, when dealing with the natural world, which has no ego and doesn’t consciously wage war, there is consistent, on-going abuse, overuse, and destruction.

As a conscious human being living in today’s world, you already know the damage caused by the constant onslaught of human ego-driven activity on our precious planet.

This is where yoga comes in. But what does yoga have to do with nature and the ego? Well, everything, really.

What is yoga, anyway? Union. Right? Union of everything: body, breath, mind, inner self, and every other living and non-living thing in the entire existence: rocks, plants, animals, other humans, every thing.

Yoga is a realization that there’s Oneness behind everything and this Oneness is who you are. This Oneness is inexplicable in words or thoughts, but one feels it anyway, when, suddenly but often enough, one peeks beyond the mind’s constant chattering.

This experience of Oneness, of yoga, of lasting inner peace and happiness, is the opposite of Ego, the sense of separateness.

In fact, yoga, and absolute happiness, are experienced only when the ego is clear, or, to use the language of yoga, purified. Once the ego is pure, yoga happens naturally.

This may seem unexpected for some of you, but, as a science and a practical system, yoga primarily deals with the mind. It may begin with the physical conditioning of the body – postures and sequences to gain physical control, but all to get a handle on the mind. According to yogic wisdom, to control the mind perfectly is the most difficult task in the universe.