Change your life with morning exercise.

Change your life with morning exercise.

How many of you love to do exercise? As per our schedule and daily life routines, most people are allotting time for exercise at their convenient time.  So that we can live a health life. Here our experts say morning is the best time for exercise. Let me know more about the morning exercise.  
Your morning routine can hold the secret to better health. Find out the habits that will super-start your day
Would you love to have more energy and a better memory? Fewer colds and fewer aches and pains? The answer could lie in your morning. The start of the day holds the key to taking control of your well-being before time gets away with you and other people’s priorities invade.
You don’t need to get up at the crack of dawn to reap the benefits. Simply going to bed 15 minutes earlier and waking up 15 minutes earlier the next day, before everyone else is up, you will have the time to make positive changes to your morning that will make a real difference to your health and happiness. So, before you tuck into your toast, try these tricks.
Cold Comfort
Health Benefit: Improve your memory
Switching your shower to cool for the last few minutes can help “shock” your body awake, helping to relieve fatigue and increasing mental alertness, so you will get more done throughout the day. In one study, a daily “cooler” shower (around 20⁰ C) was also found to help ease depression. But make sure to check with your doctor before trying this, especially if you have a heart problem.
Laying Twist Move
Work Out The Kinks
Health Benefit: Ease aches and Pains and boost energy
Doing yoga when you wake is great for loosening muscles and joints, boosting energy and starting your day in a positive mindset.
Try Laying Twist Move; it helps keep the spine flexible, and kidneys healthy and improves blood pressure.
  1. Lie on your back with legs straight and arms out a little higher than hip height.
  2. Place one foot on top of the opposite leg and gently twist over from the waist, using your top leg as a weight to take you into a Lying Twist. Hold for 10 deep, slow breaths. Repeat on the other side. Keep shoulders, arms and core muscles relaxed.
Scrap the Snooze
Health Benefit: Higher-quality rest
More than half of us set our alarm to snooze, but in fact, those extra few minutes won’t do your health or well-being any good. Set your alarm for the time when you really need to wake up. The reason? If you wake and doze, your brain will already be braced for the second alarm and it won’t let you dip back into the deep, restful stage of sleep. To feel well-rested, it’s much better to get an uninterrupted high-quality stint of sleep and then get straight up.
Good Morning
Health Benefit: Beat Fatigue
Instead of coffee, wake up with a cup of peppermint tea, its smell lowers fatigue and frustration. Worried you can’t function without a caffeine hit? People who start the day with a coffee are no more alert than those who don’t.
Mix Your Muesli
Health Benefit: Lose weight and feel great
Mix 8 handfuls of rolled oats, 2 large handfuls of ground bran, 1 handful of chopped dried apricots, 1 handful of chopped dried dates, 1 handful of crumbled walnuts, 1 handful of chopped almonds, hazelnuts or Brazil nuts, with plenty of skimmed milk and store in a large, sealable container in the fridge – it will last a good few days and you won’t be tempted to eat buttered toast instead. To serve, add more milk or yoghurt, plus some grated apple, chopped banana or berries.
Fresh-Air Fix
Health Benefit: Lowers blood pressure
That wonderful feeling of crisp air on your skin, the sounds of the birds in the trees…. Stepping outside makes us all feel better, particularly in the morning when it’s more quiet and tranquil. And it also brings with it a whole host of health benefits.
People who get a daily burst of vitamin G (what experts are now calling time spent in green spaces) have lower blood pressure and recover from illness quicker, thanks to stress-relieving benefits, which can last all day. A bit chilly to step outside? You can still reap the benefits by enjoying your morning brew of peppermint tea while looking out of the window.
Morning exercise is more beneficial than at other times
Try Your Trainer
Health Benefit: Get fit
Morning exercise is more beneficial than at other times. Those who reached for their trainers in the morning dozed off faster at night and had less disrupted sleep than those who exercised at other times.
One explanation is that the body releases stress hormones when you wake up, and working out in the morning counteracts them. People who exercise in the mornings are more likely to stick to it before that day gives you a raft of excuses.
The ideal morning workout is one you look forward to doing, whether that’s yoga, a gym class or swimming.

Wishing everyone a healthy life ahead with love

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Separate investments plans for different financial goals

Separate investments plans for different financial goals

As you plan your journey before you start a tour, the journey of investment also starts with financial planning. You should make your financial plans as soon as you start earning, as saving is as important as spending to fulfill the life goals and to keep the spending ability intact in future.
The first step of financial planning is to determine the need of investments by identifying the financial goals. The goals may be higher study for self, own marriage, honeymoon trip, buying a car, buying a house, foreign tours, child education, marriage of son/daughter, building retirement corpus etc.
Once the goals are identified, it has to be determined how soon or later each goal to be fulfilled. Once the time gap is estimated, each goal has to be quantified in monetary terms taking into consideration the present cost and rate of inflation. The rate of inflation may vary from goal to goal as rate of inflation in education sector is very different from the rates in automobile sector or real estate sector and so.
After the goals are quantified, you may select investment avenues to reach the goals on time respectively, by taking minimum possible risks. Shorter the duration to reach a goal, lesser risk you may take and vice versa.
For example, you can’t take any risk while parking your money for emergency, while to build you retirement corpus, you will have enough time to plan your exit and withdraw money when the return is high enough.
It’s mainly due to duration and urgency; you need to select different investment avenues depending on their risk perspective.
Depending on the risk on capital invested, investment avenues may be categorized as Post Office savings, bank fixed deposits (FD), debt mutual funds, equity mutual funds and direct equity. Once the risk profiling is done, you have to see how liquid the investment options are, before finalizing the options.

Liquidity is important because you may have to withdraw emergency and short-term money in quick notice. So, while Public Provident Fund (PPF) is safest mode of investment, you can’t choose it to park your emergency fund, simply because you may fully withdraw your investment only at maturity after 15 years, with partial withdrawal option beginning only from seventh year. Hence, you have to choose either a liquid fund or a bank FD to park for your contingency fund.
You may, however, choose a low-risk short-term investment option to park your long-term money, but you will have to compromise on return, which may either need exorbitantly high investment or missing the goal.
But before you start investing, you first need to transfer your own life risks by taking insurance cover, so that your dependents don’t miss out the financial goals and maintain the standard of living in case of any unfortunate mishap.
So, you do need to choose different instruments to fulfill different financial goals, like-liquid fund or FD for emergency fund, insurance to transfer risks, debt funds for short- and medium-term goals, diversified funds for medium- to long-term goals and equity for very long-term goals. Even for two financial goals of similar duration's, better not to mix investments and choose two separate funds.
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10 things to consider before starting a company

10 things to consider before starting a company

Acknowledging that entrepreneurship is a key driving factor for the Indian economy, the Government of India has introduced several schemes and legislation's for creating a conducive environment for entrepreneurs.
Below are 10 key regulatory considerations which potential entrepreneurs could consider before starting a business in India:
1. Structure
A business entity can be incorporated/registered as a private limited company or a partnership firm or a limited liability partnership (LLP) in India, depending on several factors such as ease of fund infusion, regulatory supervision and tax efficiency.
The requirements for formation of the entity would vary depending on the nature of the entity i.e. shareholders and directors in a private company, designated partners and partners in a LLP and partners in a partnership firm.
2. Start-ups
An entrepreneur may classify his/her business as a start-up as start-ups have been granted several incentives and exemptions under schemes, various laws, including tax and foreign exchange regulations.
As per the notification issued by the Department for Promotion of Industry and Internal Trade, an entity would be considered a ‘start-up’ if:
  • upto a period of 10 years from the date of incorporation/registration, it is incorporated as a private limited company or registered as a partnership firm or an LLP in India;
  • its turnover for any of the financial years since incorporation/ registration has not exceeded Rs. 100 crore; and
  • it is working towards innovation, development or improvement of products or processes or services, or if it is a scalable business model with a high potential of employment generation or wealth creation.
3. Registration and licenses
The entity would need to obtain certain registrations in order to carry out business in India (depending upon the nature of the entity and number of employees) such as PAN, TAN, GST, shop and establishment license, registration under labour laws for gratuity/provident fund, and so on and this would entail dealing with different government authorities.
4. Compliance's
The start-up entity would need to ensure periodic compliance with several laws and regulations (including various corporate, tax and labour laws).
The nature of the entity would determine the volume and frequency of compliance, that is, a private company needs to adhere to more reporting and filings requirements than an LLP and a public company more than a private company.

5. Intellectual Property (IP)
It is of utmost importance that the new business ensures that its IP in its brand, logo, software, and product and so on is registered with the Trade Mark Registry and is adequately protected.
6. Foreign Direct Investment
Investment in an Indian entity from overseas would be governed by the foreign exchange laws of India including the Foreign Exchange Management (Non-debt Instruments) Rules, 2019.
Start-ups are additionally permitted to issue convertible notes which are debt instruments either repayable at the option of the holder or which are convertible into equity shares within 5 years upon occurrence of a specified event.
7. External Commercial Borrowings
Indian entities eligible to receive foreign direct investment are also permitted to receive external commercial borrowings (ECB) from overseas, subject to conditions laid down by the Reserve Bank of India.
There are several relaxations provided to start-ups for raising capital from overseas especially with respect to average maturity and end usage. However, LLPs may not be able to raise ECBs.
8. Contract Management
Watertight contracts (which are adequately stamped and registered, where necessary) with vendors, distributors, lessors and employees (including non-compete and non-solicitation obligations) are imperative in order to protect the business. Further, non-disclosure agreements would be necessary in order to protect sensitive and confidential information.
9. Tax
Tax efficiency should be considered before incorporating a business.
Start-ups have been granted certain tax exemptions such as a tax holiday for a prescribed period and angel tax exemption.
10. Government Support
Depending on the business sector the Central and the State Governments have issued schemes and policies for new businesses or start-ups in order to boost an environment for growth and it is important to explore these to assist the business.
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How to choose the right life and health insurance policy

How to choose the right life and health insurance policy

It is important to look at factors like claim settlement ratios, persistency ratios, the extent of premium increase with age, the insurer's reputation, etc.

Choosing the right policy is not enough unless you are buying it from the right insurance company.
Examining necessary factors initially before purchase saves the insured from unforeseen heartache later during the claim process.
While buying life insurance or a health insurance policy, many people do not consider the need to examine the credentials of the insurance company they are opting for, thus, causing disappointment in the long run.
As opposed to comparing only the premium rates corresponding to the coverage amount they promise, it is important to look at other factors including claim settlement ratios, persistency ratios, the extent of premium increase with age, insurer’s reputation, etc.
Buying life insurance
Agreeing to pay for a life insurance plan sold by a life insurance company means that you are relying on the company to pay the death benefits to your loved ones in the event of your unfortunate death within the policy period.
You choose the sum assured to make up for the loss of your income in case of death, thus, preventing any instance of financial instability for your dependents.
To ensure that the purpose for which you buy life insurance is served, you must check the following parameters before investing. 

  • Claim Settlement Ratio
Quick claim settlement is the hallmark of a good life insurance company.
The company must agree to pay the claim on time.
Before buying insurance, online or offline, it is important to find out the claim settlement ratio of your company declared over the past five years.
For greater clarity regarding the ratios, you may also log on to the Insurance Regulatory Development of India (IRDAI) site. 
  • Financial strength 
To pay off the claims made by the nominees of the insured, the company must enjoy a strong financial base.
A financially strong life insurer will have no qualms in paying off the death benefit to your beneficiary irrespective of how long you may have survived during the policy period.
Look at the financial strength ratings given by independent rating firms and prefer one that boasts of persistent financial solidity.
Check the solvency ratio of the company too as a higher solvency ratio highlights the company’s liabilities to pay off its liabilities.
  • Reputation matters 
The brand reputation of a company has a lot to do with its ability and intent to clear the amount that is due to its customers.
An insurer that allows scope for hassle-free claim settlement is better known among its prospective customers and enjoys more goodwill than its peers.
  • Buying health insurance
Including a health insurance plan in your investment portfolio has become more important than ever as medical costs continue to rise, and more people are diagnosed with lifestyle health problems and chronic disorders.
Health insurance plans are broadly classified into 'indemnity plans' and 'defined benefit plans'.
Based on whether you wish to buy a plan that pays off your hospital expenses or invest in a plan that pays in lump sum regardless of the hospital expense, you choose your insurer.

However, there are other factors involved in choosing the right health insurer. 
1. Persistency Ratio 
You must renew your health insurance policies each year either with the same insurer or with a different one.
A high persistency ratio reflects whether the insurer can retain its customers or not.
An increasing number of policyholders renewing their policies reflects the growing trust of the customers in the insurance company, thus, explaining a high persistency ratio.
2. Premium rises with age 
Buying a health insurance plan in the later stages of life involves higher premium payments.
However, the rate of premium increase is not the same in all insurance companies, which means that you must assess the next 10 years’ premium charges of various insurance policies corresponding to increasing age groups.
3. Incurred Claim Ratio (ICR)
A company can make claim payments on the policies they have sold.
The ideal ICR value must be 75 to 85 per cent.
While a high ICR is deemed favourable, it must not exceed 100 per cent as the latter would imply that the company gives away more in claims than what it collects as premiums.
A very high ICR means that the company would have to raise its premiums to manage claims better or change its product to survive and sustain its position in the market.
A low ICR means that the claim process is either complex or the company refrains from paying claims within the stipulated period.
4. Waiting period clause 
The terms and conditions of the waiting period differ in each insurance company, which means that one must compare the waiting period clauses before opting to buy a plan.
While the types of waiting periods remain more or less the same, it is the difference in duration that distinguishes one from the other.
5. Health check-up 
Some companies mandate a health check-up as a precursor to accepting your policy proposal.
This is to tackle the pervasiveness of lifestyle disorders that many people are afflicted with.
Suffering from pre-existing illnesses can change the policy premium and, hence, it is important to find out claim details about insurance companies that do not require their customers to undergo a compulsory medical examination.
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Top 5 Best Destinations To Ski In India..

Top 5 Best Destinations To Ski In India..

The adventurous activity of skiing is something that you can totally look forward to when you plan on visiting a snowy place. But not every place offers a good terrain to ski even if it is covered in snow. You need to have a smooth and fluffy surface that’s not very slippery and lets you glide easily.

Auli, Uttarakhand

Top on our list is India’s Switzerland, the ever-white Auli. It’s snowy, it’s clean and it’s also located way up in the hills at an altitude of 2500-3000 metres from the sea level. Why should you visit Auli for skiing? Well, the government hosts awesome winter sports competitions to encourage skiing and the place has a chairlift, ski lift and cable car facilities to let you have a very enjoyable experience.

Best time to ski: November to March

Pahalgam & Gulmarg, Jammu And Kashmir

Think of snow and the first destination that you can visualise is Kashmir. So ideally, a skiing trip to Kashmir should definitely be in your travel bucket list. Whether it’s the peaks and valleys of the beautiful Pahalgam or the snow-white magnificence of Gulmarg, just take your pick to ski, snowboard and do other activities to get the adrenaline rush that you crave for. It’s the perfect choice for a kiddie trip or an adventure trip with friends.
Best time to ski: December to March (Pahalgam)/January 3rd week to late-February (Gulmarg)


Manali, Himachal Pradesh

Head to the picturesque Solang Valley in Manali to have an adventurous dose of skiing. A hit with the family vacationers and adventure enthusiasts alike, the Solang Valley is perfect for snowboarding, ice-skating and other snow sports activities. In fact, Aanchal Thakur, who was the first ever Indian to win an International medal in skiing, hails from a village in Manali only.
Best time to ski: February to mid-April

Kufri, Himachal Pradesh

Situated at an altitude of 2622 metres, Kufri is a very popular spot for skiing in India. The thick snow of the Mahsu ridge in this winter sport capital of Shimla offers the perfect opportunity to skiers. The closest airport to reach Kufri is Jubbarbhatti Airport.
Best time to ski: Early December to early February


Dayara Bugyal, Uttarakhand


Situated near Uttarkashi, Dayara Bugyal is another heaven for those who are looking forward to slide on snowy slopes. Trekking here in summer season and skiing here in the winter season are the ultimate activities. Jolly Grant Airport in Dehradun is the nearest airport to reach here.
Best time to ski: December to February
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Jobs That Will Never Disappear

Jobs That Will Never Disappear
With machine learning, artificial intelligence, quantum computing and other high-tech advances, most of us have wondered if our jobs will be taken over by technology. The bad news is, this is already happening for some professions doing rote work, such as telemarketers.
The good news is, studies show that some jobs are less at risk than others, because they are complex rather than predictable, or require the kind of creativity or emotional intelligence that machines don’t yet possess. So here are jobs that will not disappear anytime soon.


A choreographer is an artist who designs and directs dance routines and performances that will entertain, inspire and sometimes challenge audiences. A quintessentially creative profession—combining music and movement—choreography is beyond the capability of machines right now and for the foreseeable future.


Teachers not only need to know a lot, they must shape the development of their students, with keen insights into their character, their abilities and what motivates them. Empathy and a nurturing nature are important characteristics. While teachers increasingly must know how to use new technology to do their jobs, they are unlikely to be replaced by it.

First-line supervisors of police and detectives

These law enforcement professionals—including police sergeants and captains—are tasked with coordinating criminal investigations, providing their expertise and guidance to investigators. Their work requires leadership and problem-solving skills, a thorough knowledge of police procedures, grace under pressure and other qualities.


In different religious traditions, a clergy person is an ordained member who conducts religious worship, carries out official rites and provides spiritual assistance, moral guidance and support to congregation members. Dealing with personal, emotional, spiritual, societal and other issues makes the clergy’s job hard to replicate by machines.

Marketing, communications and design professionals

According to The Independent: “Machines aren't great at critical thinking, or coming up with new and exciting ideas. . . . People who design for a living, or who work with ideas, words, and images will probably survive the increase in automation, because machines don't function like humans. Not yet, at least.”


One of the things that are hard for machines to replicate is emotional intelligence. A fair bit of this is required by psychiatrists as they diagnose, treat and try to prevent a variety of mental, emotional and behavioural disorders in their patients.

Human resources managers

While computers may search resumes for the right keywords, narrowing down the field for job candidates, human resources managers also have insights into what makes people tick personally and professionally that they rely on as they recruit, interview and hire new staff. Mediating disputes, handling disciplinary actions, planning strategically to make the best uses of the workforce’s talents also require serious people skills.

Athletic trainers

As much as fitness devices like Fitbit are all the rage, it still takes the personal touch of a fitness trainer to keep people motivated and on track for their exercise goals. And with an aging population, and all the associated maladies, the U.S. Bureau of Labor Statistics predicts that from 2016 to 2026 the profession should grow by 23%, much faster than average.

Data scientists

While machines are great at amassing data, sometimes it takes a human to understand the story it is telling in its algorithms and code. According to the book Doing Data Science: “A data scientist is someone who knows how to extract meaning from and interpret data, which requires both tools and methods from statistics and machine learning, as well as being human.”

Marriage and family therapists

These therapists also need emotional intelligence and human insight to do their jobs, as they “treat a wide range of serious clinical problems including: depression, marital problems, anxiety, individual psychological problems, and child-parent problems.” With a 23% predicted employment growth from 2016 to 2026, their job prospects outstrip many other professions.

Gig workers

In today’s growing gig economy, temporary, flexible jobs are becoming more common, with numbers of freelance workers and contract employees growing compared to full-time staff. Often their work is related to technology, such as Uber and Lyft drivers, and food bicycle delivery people. The work requires flexibility and independence—something machines isn’t known for.


People aren’t crazy about other people poking around their mouths; they’re even less eager to have machines take over the role. With nice salaries to boot, (human) dentists will continue to find a growing demand for their services, diagnosing and treating problems of the teeth, gums and other mouth parts.

Music directors and composers

Creativity is the hallmark of the composers who write and arrange original music and the directors, or conductors, who lead musical groups during performances and recording sessions. With the number of people attending musical and theatrical performances expected to stay steady in the years ahead, the profession will still be needed, although with increased competition for jobs.

Registered nurses

An aging baby boomer population will ensure that demand stays high for registered nurses, who work in hospitals, clinics, assisted-living facilities, homes, schools and more. They also provide specialized care in “areas such as cardiac care, midwifery, family practice, geriatrics, labor and delivery and emergency nursing.”

Conservation scientists and foresters

The continuing need to prevent and deal with forest fires, as well as consumer demand for wood pellets, will ensure that conservation scientists and foresters are around to plan, maintain and preserve public and private woodlands. In the future, the best job prospects will be for the professionals who well know geographic information system (GIS) technology, remote sensing and other software tools.

Cyber security experts

With the growing number of cyber attacks threatening our increasingly connected workplaces, cyber security is a profession that will continue to command good wages and grow—conservative estimates predict that job growth in the sector will be 37% a year through 2022. Good for those in the field; alarming for the rest of us. And a case of how technology is creating new jobs.

Multimedia artists and animators

With the high demand for animation and visual effects in videogames, television, movies and online, employment prospects for this profession will remain steady. While multimedia artists and animators must use the latest technology in their work, the creativity they bring to projects keeps the machines as tools, instead of masters.

Chief executives

Whether an organization is large or small, its chief executive has their hand at the helm, devising strategies and policies to ensure that it stays on track and meets set targets. Long hours, high stress, and plump salaries and bonuses are part of the job for both public and private sector chief executives. As long as there are organizations, there’ll be a demand for leadership.

Dietitians and nutritionists

An aging and increasingly obese population, and the rise of diseases such as diabetes and heart disease, will help keep demand for dietitians and nutritionists high, with employment projected to grow by 14% over the next decade. These professionals are experts in using food and nutrition to promote healthy lifestyles and manage disease.

Mechanical engineers

While machines are on the rise, you still need people to create and care for them. Mechanical engineers help design, make prototypes, test, refine and produce just about any kind of machine you can think of. These include ones for the automotive industry, aerospace and transport industries, power generation, refineries, insurance industries, building services, railway systems design and other sectors.

Coaches and scouts

Coaches and scouts find and refine athletic talent. Coaches give amateur and professional athletes the training and skills they need to become contenders in their sports. And scouts track down new players, assessing their skills and how likely they are to be successful. With high interest in college and professional sports, the demand for this profession will grow at a rate faster than most other jobs.


“Some say technology will replace 80% of doctors in the future”. “Instead, technology will finally allow doctors to focus on what makes them good physicians: treating patients and innovating, while automation does the repetitive part of the work.” A growing and aging population will help ensure the demand for physicians grows.

Recreation workers

Recreation workers keep people active and healthy with fitness and recreational activities in sports centres, camps, nursing homes, community centres, parks and elsewhere. With an increasing societal focus on lifelong health and well being, these professionals will continue to be in demand to work with people of all ages in a variety of settings.

Executive chefs

While automation will take over some food production jobs (and already has), people will always want a good meal out. Combining manual skills with great creativity, an executive chef knows how to mix flavours and create innovative menus in ways that will future-proof their profession. Fast-food chefs, however, are susceptible to automation and AI burger-flipping assistants.
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