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SunnySeptember 20, 2018
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4min50


You might think twice about going out to eat after reading this.

Pre-prepare foods

cropped image of african american chef squeezing lemons at restaurant kitchenLightField Studios/Shutterstock

Timing is everything in the restaurant world. If customers have to wait forever for their food they probably won’t come back. When the dinner rush arrives chefs need to get food out to their customers in a timely manner. Some restaurants will cook food ahead of time and then heat it up. If a customer orders something that has been pre-cooked, someone will just throw it in the microwave, dress it up a little, and serve it. These are the dirty restaurant secrets the kitchen crew won’t tell you.

Not wearing gloves

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Many restaurant workers don’t bother wearing gloves while handling food. A study done by Food Safety News found that 62 percent of restaurant workers handling raw beef didn’t wash their hands before touching other food.

Combine ketchup bottles

Delicious french fries and ketchup - fast food background, top view, closeupNagy-Bagoly Arpad/Shutterstock

In some areas, it’s not against the health code to marry ketchup bottles, and in areas where it isn’t allowed, the rule is rarely enforced. Think about how many people use those ketchup bottles on a daily basis. They’re not very clean and sometimes the process that some restaurants use to transfer the condiment can be unsanitary. This is the gross reason you should never, ever use the pepper shakers at restaurants.

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SunnySeptember 19, 2018
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2min40

शादी की सजावट में ऐसे बचाएं पैसे
शादियों का सीजन शुरू होने वाला है। ऐसे में अगर इसी सीजन में आपकी भी शादी होने वाली है या आपके घर में किसी की शादी और आपको बजट की चिंता सजा रही है तो हम आपको बता रहे हैं कुछ आसान टिप्स जिन्हें अपनाकर आप शादी में होने वाली सजावट पर काफी पैसे बचा सकते हैं…

ऐसा वेन्यू चुनें जहां ज्यादा सजावट न करनी पड़े

जी हां, अगर आप शादी के लिए क्लोज्ड हॉल की जगह आउटडोर वेन्यू चुन रहे हैं तो हमारी सलाह आपको यही होगी कि आप ऐसा वेन्यू चुनें जहां बहुत ज्यादा सजावट की जरूरत न हो। ऐसा वेन्यू चुनें जहां की सीनरी ही इतनी खूबसूरत हो कि अलग से उस जगह को ज्यादा सजाना न पड़े। ऐसी जगह पर आपको अलग से स्टेज बनाकर सजावट करने की भी जरूरत नहीं पड़ेगी। आप किसी ऐसी दीवार को चुन सकते हैं जहां आसपास काफी ग्रीनरी हो और वहीं पर आप जयमाल का फंक्शन कर पाएंगे।

डेकोरेशन को सिंपल रखें

याद रखिए कई बार कम चीजों का असर भी बहुत ज्यादा होता है। अगर आप बहुत ज्यादा लैविश शादी नहीं करना चाहते तो आपको शादी में ज्यादा खर्च करने की जरूरत नहीं है। बड़े-बड़े फ्लोरल डिस्प्ले और डेकोरेशन की जगह आप चाहें तो छोटे-छोटे और सिंपल चीजों से भी डेकोरेशन कर सकते हैं जो बेहद सुंदर भी लगेगा।

सिंपल रखें डेकोरेशन

प्लांट्स को बनाएं सेंटरपीस

शादी में यूज होने वाले टेबल्स को हद से ज्यादा डेकोरेट करने की बजाए आप टेबल पर सेंटर पीस के तौर पर छोटे-छोटे पॉट वाले प्लांट्स रख सकते हैं। ये प्लांट्स न सिर्फ बेहद खूबसूरत लगेंगे बल्कि आप चाहें तो इन प्लांट्स को अपने मेहमानों को थैंक्यू गिफ्ट के तौर पर भी दे सकते हैं।

मौसमी फूलों का इस्तेमाल

जब फूलों को भी बल्क में खरीदना पड़े तो फूल कितने महंगे पड़ते हैं ये हम सभी जानते हैं। खासतौर पर जब फूल वाले को पता हो कि आप इन फूलों को शादी की सजावट के लिए खरीद रहे हैं तो फूल वाले भी रेट बढ़ा देते हैं। लिहाजा फूलों पर पैसे बचाने हों तो मौसमी फूलों के ऑप्शन पर जाएं।

फोटो बूथ पर अपनी क्रिएटिविटी दिखाएं

इसे बनाना बेहद आसान भी है। कार्डबोर्ड कटआउट को पेंट करें और उसे सजाने के लिए कलीरा, फेरी वील, रिबन, पेपर फ्लावर, पतंग और इस तरह की चीजों से सजाएं और बस आपका खुद से तैयार किया गया फोटो बूथ तैयार हो जाएगा जहां गेस्ट्स खुशी-खुशी आकर फोटो लेना पसंद करेंगे और आप प्रफेशनल फोटो बूथ बनाने के पैसे बचा लेंगे।

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SunnySeptember 19, 2018
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1min10

पाकिस्तान के प्रधानमंत्री इमरान खान इन दिनों सरकारी पैसे की कमी से जूझ रहे हैं. पाकिस्तान कर्ज में डूबा हुआ है और इमरान खान बचत करने के लिए सरकारी संपत्तियों को बेच रहे हैं और सरकारी खर्चों में कटौती कर रहे हैं.

खबरों के मुताबिक पाकिस्तानी सरकार छोटे-छोटे तरीके से पैसों का इंतजाम कर रही है. अभी सरकार ने सरकारी लग्जरी कारों और हेलिकॉप्टरों को बेचा है और खबर ये आ रही है कि अधिकारियों के खाने-पीने में भी कटौती की गई है. अब अधिकारियों को लंच नहीं मिलेगा, उनके लिए बस बिस्किट और स्नैक्स का ही इंतजाम होगा. साथ ही ये भी रिपोर्ट है कि इमरान खान पूर्व प्रधानमंत्री नवाज शरीफ की पाली हुई आठ भैंसों को भी बेचने के फेर में हैं.

बता दें कि इमरान खान ने अपने चुनावी कैंपेन में पाकिस्तान के कर्जे में डूबने के लिए सत्तारूढ़ रही पार्टियों को खूब कोसा था और वादा किया था कि वो पाकिस्तान को कर्जे से बाहर निकालेंगे.

लेकिन अपनी कोशिशों के बीच इमरान खान ने एक और ऐसी चीज भी की है, जिसके लिए वो ट्रोल हो रहे हैं. दरअसल, खर्चों में कटौती अभियान चला रहे इमरान ने पिछले महीने अपने हिल-साइड के घर से इस्लामाबाद के अपने आधिकारिक भवन जाने के लिए हेलिकॉप्टर का इस्तेमाल किया था. उनके दोनों घरों के बीच दूरी ज्यादा से ज्यादा साढ़े चौदह किलोमीटर है.

साढ़े चौदह किलोमीटर की दूरी को हेलिकॉप्टर से पूरी करने के लिए पाकिस्तान में उनकी आलोचना की जा रही है. हालांकि उनकी पार्टी के नेताओं ने ये कहकर उनका बचाव किया है कि अगर इमरान सड़क के रास्ते से जाते, तो उनके काफिले से राजधानी की सड़कें जाम भी होतीं और उनके काफिले से सफर करने के मुकाबले उनकी हेलिकॉप्टर की राइड ज्यादा सस्ती पड़ती.

कुछ ने तर्क दिया कि खर्चों में कटौती के लिए अभी कोई बजट तय नहीं किया गया है और इमरान खान के खर्चों पर भी नजर रखी जाएगी.

हालांकि एनडीटीवी की रिपोर्ट के मुताबिक, पाकिस्तान में विशेषज्ञों का मानना है कि इन छोटे सरकारी खर्चों में कटौती करने से ज्यादा कोई फर्क नहीं पडे़गा. इस्लामाबाद के सस्टेनेबल डेवलपमेंट पॉलिसी इंस्टीट्यूट के एक्जीक्यूटिव एडिटर वक़ार अहमद ने बताया कि सरकार वार्षिक बजट (221 अरब रुपए) का 20 प्रतिशत ही बचा पाएगी.

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SunnySeptember 19, 2018
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25min60

Healthcare expenses are generally unavoidable, which is part of the reason so many Americans worry about them. The Kaiser Family Foundation reports that more than 25% of U.S. adults struggle to keep up with their medical bills, and that figure includes folks with health insurance. The problem has gotten so bad, in fact, that medical debt is now the No. 1 source of personal bankruptcy filings in the country. Talk about disturbing.

Why is healthcare so expensive?

What makes medical care such a gargantuan expense? For one thing, health insurance plan premiums have been climbing across the board. Your premium is effectively the annual fee you pay to get coverage under an insurance plan. Think of it like a gym membership fee, only a lot more expensive. 

Now some folks are lucky enough to get subsidized insurance in which their employers pay a portion of their premium costs rather than get stuck with that entire bill themselves. But many workers don’t, and, not surprisingly, they’re the ones most likely to be burdened by premium costs alone. Case in point: Last year, the average nonsubsidized  individual plan premium was $393 per month, while the average unsubsidized monthly cost for a family plan was $1,021. Ouch. 

Then there are deductibles to worry about. Your deductible is the amount you’re required to spend out of pocket before your insurance company will pay for the medical services you receive. If your plan comes with a $1,000 deductible, you’ll need to fork over $1,000 of your own money before your insurance company starts covering most procedures and office visits. While some health plans come with a relatively low deductible, other plans can force you to spend many thousands of dollars before coverage will kick in.

And let’s not forget copayments, or copays, which most plans require you to pay every time you visit a doctor’s office or fill a prescription. Generally, your copay will vary based on the service you receive. While you might pay a lower amount to see your regular doctor, you’ll typically be charged a higher copay for visits to a specialist. Furthermore, your prescription copays will usually vary from drug to drug, so planning for them can be a challenge. 

IMAGE SOURCE: GETTY IMAGES.

If you’re having trouble managing your healthcare expenses, you should know that there are several steps you can take to lower them. Here are 15 ways you can reduce your medical bills without skimping on the care you need.

1. Invest in better health insurance

Many folks are tempted to buy cheap health insurance, meaning the plan with the lowest premium. And at first glance, that might seem like a smart way to keep your costs down. However, cheaper health insurance can cost you in other ways.

For one thing, you might come to find that with a lower-cost plan, certain tests or procedures aren’t covered. You might also find that you’re restricted to a smaller group of in-network providers, making it more difficult to get the care you need.

Additionally, health insurance premiums and deductibles tend to have an inverse relationship — the less you pay for one, the more you pay for the other. Therefore, if you buy a plan with a relatively low premium cost, you could come to find that your deductible is higher. Similarly, a lower-cost plan might charge a higher copay every time you visit the doctor, and if you go a lot, those bills could add up.

This isn’t to say that a low-cost health insurance plan is always bad. But if you have a bunch of known medical issues or have children (who, let’s face it, are germ magnets who tend to get sick), you’ll probably use your insurance pretty often, in which case paying a higher premium for a lower deductible and copays could make sense.

As an example, say you’re choosing between a plan with a $2,000 premium and a $6,000 deductible and one with a $4,000 premium and a $3,000 deductible. If you wind up getting sick or hospitalized on multiple occasions or wind up needing a number of costly diagnostic tests, you might rack up $6,000 in bills you’re required to pay out of pocket before your coverage kicks in. In that case, under the first plan, you’ll pay $8,000 total — $2,000 for your premium plus $6,000 for your deductible. Under the second plan, however, you’ll only pay $7,000 — $4,000 in premium costs plus $3,000 for your deductible. Obviously, this example is very basic and doesn’t account for other costs you might encounter, like copays, but the point it’s meant to illustrate is that sometimes a higher premium is worth paying.

2. Make sure you understand your health benefits

Understanding your health benefits could spell the difference between overpaying for medical services and keeping your costs down. Yet in a study released last year, only 52% of employees with health insurance really understood what their plans would and wouldn’t pay for.

If you’ve yet to review your plan’s policies, take some time to read up on what it will cover and what costs you’ll be on the hook for. Specifically, figure out which providers are considered in-network and which aren’t, because if you go outside your plan’s network, you’ll typically pay more. Similarly, some services or procedures require referrals from a primary care physician or preauthorization from your insurance company itself. Fail to take those annoying but necessary steps, and you could wind up liable for a host of whopping bills.

If there are aspects of your health plan you don’t understand, call the number on the back of your insurance card and speak to a live person about them. That’s what those representatives are there for.

3. Request generic drugs

If you’re used to paying a small fortune for brand-name medications, it’s time to ask your doctor if there’s a generic alternative available. From a medical standpoint, there’s generally no harm in opting for a generic version of the medication you take, and that move alone could save you a considerable amount in copays. In fact, it’s estimated that 90% of generic drug copays cost less than $20, compared to just 39% of brand-name copays.

4. Buy medications in bulk

If you have a medication you take on a regular basis, it pays to see whether it’s available in 90-day supplies. Not only will this save you a few trips to the pharmacy (and the gas money associated with them), but it could also save you money. In some cases, you might pay less for a three-month supply of medication than you would for a single month’s supply.

5. Ask your providers for free medication samples

Doctors’ offices tend to be inundated with pharmaceutical reps looking to promote their newest drugs. As such, providers usually have a number of samples on hand, which means that you, as a patient, should feel more than comfortable asking for one. Imagine your doctor prescribes a drug whose monthly copay is $30. If that same provider is able to send you home with a two-month supply, you’ll shave $60 off your medical costs, just like that.

6. Apply for a patient assistance program

If you’re struggling to keep up with the cost of your medications, you can try applying for a patient assistance program. These programs are offered by drug companies and nonprofit organizations, and they’re sometimes state sponsored. To qualify, you’ll generally need to demonstrate a financial need for assistance and prove that paying for the medication in question will constitute a major hardship. But if you’re approved, you could instantly lower your costs while getting access to the drugs you need.

7. Review your medical bills thoroughly before paying them

To err is human, and the good folks who work in medical offices aren’t immune to mistakes when submitting claims to insurance companies or sending out bills. But if you pay every bill you get before reviewing it thoroughly, you might end up shelling out money for services you never even received. Sometimes, all it takes is a coding error for a service that should cost you $30 to cost $1,000 instead, or your insurance company might deny a claim altogether if the medical codes attached to it don’t make sense. That’s why it’s crucial to study your medical bills and question any line items that don’t look right.

8. Negotiate the services your insurance won’t cover

The next time you find yourself in need of a service your insurance company won’t pay for, don’t just resign yourself to covering its cost in full. Instead, let your medical provider know that you’re paying out of pocket and see what he or she can do to assist. Sometimes medical offices will offer a reduced rate to patients without insurance or without coverage for a service they require. Even if you don’t snag a reduction, you might manage to get on a low- or no-interest payment plan so that you can finance that treatment without being charged extra.

9. Appeal denied insurance claims

It’s not unheard of for an insurance company to deny a claim, thereby leaving you on the hook for the cost of the service in question. But before you give up on having that item covered, try appealing the decision instead. The appeals process will vary from company to company, but generally it’ll involve filling out some forms and requesting that your insurance provider reconsider its decision.

You might need to enlist the help of a doctor or medical professional to be successful. For example, if your insurance company denies a procedure that’s not associated with the condition you’re being treated for, you might need your physician to provide a letter of medical necessity explaining why you had to undergo it. Generally, doctors are willing to help with this.

It also pays to enlist the help of a health advocate, which some companies provide to employees. As the name implies, a health advocate can get involved in your case and fight with your insurance company on your behalf to secure a more favorable and less costly outcome.

10. Request and retain copies of your medical records

While you don’t necessarily need a record of every single office visit you attend, it pays to request copies of your medical records whenever you undergo a yearly physical with bloodwork or undergo specific diagnostic tests. This way, if you wind up switching providers, you’ll have key information for your new doctor that might help you avoid unnecessary medical tests — tests that could cost you money. Of course, it’s common practice for medical providers to request copies of records from one another, but at that point, you’re at the mercy of an office you no longer go to. In situations in which time is of the essence, having those records yourself could be crucial.

11. Avoid the ER for non–life-threatening medical issues

Accidents and sudden illnesses are often inevitable, but if they happen after hours, your regular doctor won’t be available to help address them. Rather than head straight to the emergency room, visit an urgent care center instead if the issue isn’t life-threatening. ER costs have climbed in recent years, so much so that as of 2016, the average patient was looking at $1,917 per visit.

Even if you don’t have a deductible to worry about (say, your plan doesn’t have one or you’ve already met yours), chances are your ER copay will be far more expensive than what you’d pay at a walk-in clinic (usually, urgent care centers charge the same copay you’d see at a specialist), so you can save money off the bat by staying out of the hospital. Incidentally, walk-in clinics tend to offer faster service, so you’ll probably be in and out quicker by going that route.

12. Don’t let health issues escalate

Going to the doctor for seemingly minor health problems can be a hassle. After all, the last thing you want to do is take time off from work just to get a pesky cough checked out. But what happens when that cough evolves into pneumonia, and you land in the hospital and rack up thousands in medical bills? Suddenly, you’re not only putting your health at risk but are also paying more money than necessary for an issue that could’ve been easily resolved.

The takeaway? Get ahead of health issues before they worsen. In some cases, a $25 copay to your doctor’s office could save you thousands in hospital costs. Incidentally, in a study released earlier this year, 20% of Americans admitted to avoiding the doctor to minimize their medical bills. But that’s a move that can backfire and a risk not worth taking.

13. Sign up for a flexible spending account

Paying for your medical expenses with pretax dollars can save you a bundle on healthcare costs. That’s why so many people are grateful for flexible spending accounts, or FSAs. If your employer offers an FSA, it pays to sign up. Currently, you can contribute up to $2,650 a year in pretax dollars to pay for expenses such as doctor office visits, drug copays, prescription eyewear, and certain medical supplies. You can even use your FSA to pay for travel to and from medical facilities.

Here’s how FSAs work: You decide how much you want to contribute up to the maximum, and your employer then deducts that amount evenly from your paychecks throughout the year. As you incur medical expenses, you’ll either use the debit card provided by your FSA administrator to pay for them, or you’ll pay with your own money and then submit claims for reimbursement. Your savings, meanwhile, will be a function of how much you contribute to your FSA combined with your effective tax rate.

So let’s say you max out your FSA for the year and your effective tax rate is 25%. In doing so, you’ll save yourself $662.50 in taxes.

The only caveat with regard to FSAs is that they operate on a use-it-or-lose-it basis, so if you overfund your account and don’t accrue enough eligible medical expenses during your plan year, you risk forfeiting the difference. Some plans, however, offer a grace period that gives you extra time to deplete your balance, thereby minimizing that risk.

14. Open a health savings account

A health savings account, or HSA, is a tax-advantaged account designed to help you save money on medical expenses. As is the case with an FSA, HSAs are funded with pretax income. But unlike an FSA, you don’t have to use up your HSA balance within a given plan year. Rather, you can carry it over and use it when you need it. Furthermore, whereas the money you put into an FSA just sits there when you’re not using it, your HSA money can be invested so that it grows.

Eligibility for an HSA, however, is more restrictive than with an FSA. To qualify, you must have a high-deductible health insurance plan, which, for the current year, means a deductible of $1,350 or more per individual and $2,700 or more at the family level. And anyone on Medicare can’t sign up for an HSA.

If you do qualify, you can contribute up to $3,450 a year to your HSA as an individual or $6,850 as a family. If you’re over 55, you can make a $1,000 catch-up contribution to your HSA as well.

As is the case with an FSA, your tax savings with an HSA will depend on your total contribution and effective tax rate. But here’s another tax break you’ll get: As long as you withdraw funds from your HSA to pay for qualified medical expenses, any gains you see on your investments will be yours free and clear of taxes. Talk about a double win.

15. Sign up for Medicare on time

Medicare eligibility begins for seniors starting at age 65, and while Part A, which covers hospital visits, is generally free for enrollees, Parts B and D, which cover doctor visits and prescriptions, respectively, charge premiums. Your initial enrollment period to sign up for Medicare begins three months before the month of your 65th birthday and ends three months after the month in which you turn 65. But if you fail to enroll during that seven-month window, you’ll face a 10% upcharge on your Part B premiums for every 12-month period you were eligible for coverage but didn’t enroll. Go too long without Part D coverage, and you could face a penalty there as well.

Therefore, it pays to sign up on time to avoid paying more than necessary for Medicare. Not only will doing so help you avoid penalties, but it could help you avoid having to pay for medical services in full should health issues arise at a time when you aren’t covered.

Don’t get hurt by healthcare costs

Healthcare can eat up a disturbing portion of your budget, no matter your age, so take steps to minimize this whopping expense as much as you can. Even if you only manage to cut your costs by a few hundred dollars a year, that’s still money you can use for other purposes. And in some cases, you might easily save thousands by being vigilant. Either way, it pays to explore your options for lowering your medical costs — not just for the actual savings but for the peace of mind that comes with knowing your healthcare needs won’t drive you into debt.

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SunnySeptember 19, 2018
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32min40

If saving money were a total breeze, perhaps people would do a better job of it. Unfortunately, a large percentage of Americans are glaringly behind on both near-term savings and retirement savings. If you’ve been slacking on the savings front, or have been making an earnest effort to save but find that you’re still falling short, you’re not alone. Sometimes, saving money boils down to having the right strategy, and with that in mind, we’ve mapped out a guide that will help you pad your savings account, establish an emergency fund, and build a nest egg so that you’re set for the future. With any luck, it’ll do just the trick in helping you meet your savings goals.

Why we all need savings

If you’re used to living without much in the way of savings, you may be wondering why having money to your name is so important. Here’s why you need savings for every stage of life. Without immediate savings, you’ll be forced to resort to loans or credit-card debt the minute an unplanned expense falls in your lap. Once that happens, you’ll kick-start a vicious cycle: For each day you don’t pay off what you owe, interest will accrue against you. All told, you’ll end up paying much more for whatever expense you charged or borrowed money for, if you manage to pay it off. And if you don’t, you’ll risk wrecking your credit beyond repair.

IMAGE SOURCE: GETTY IMAGES.

Then there’s long-term savings, which you’ll need if you want a shot at a financially secure retirement. Contrary to what you may have been told, your Social Security benefits won’t provide enough income for you to pay your bills as a senior. In a best-case scenario, Social Security will replace about 40% of your pre-retirement income, if you were an average earner. However, most seniors need roughly 70% to 80% of their former earnings to cover their expenses in the absence of a steady paycheck. Your savings, therefore, will be crucial in bridging that gap.

Of course, these are just a couple of scenarios in which you’ll need savings. You’ll also need a chunk of cash to meet milestones like:

In fact, think about your various life goals. Chances are, you’ll need money to fulfill at least some of them. And that’s why it’s crucial to focus on savings, whether you’re a recent college graduate just starting out in the real world, or a pre-retiree counting down the days until your career comes to a close.

Types of savings

There are different types of savings you should aim to accumulate over time. First, you’ll need emergency savings, which is money you can dip into at any time to cover unplanned bills. When we think about short-term savings, we’re generally talking about an emergency fund, though you might aim to accumulate short-term savings for other purposes, like buying a home or saving for a vacation. Then there’s retirement savings, or long-term savings, which you’ll need in order to cover your expenses once you no longer have a steady paycheck coming in from work. Both short- and long-term savings are extremely important, but whereas you’ll probably house the former in a bank account, you’ll want to invest the latter for maximum growth. 

Your emergency fund

The most important type of short-term savings you must accumulate is your emergency fund. This is the money you’ll tap the next time your car breaks down, your roof collapses, you lose your job, or you encounter any other scenario where a bill comes your way that your paychecks can’t handle. Having emergency savings is so essential, in fact, that it should trump any other financial goal you might have, whether it’s putting a down payment on a house or building a nest egg for retirement.

How much money do you need for emergencies? Ideally, you should have enough to cover three to six months’ worth of living expenses. However, if your income is variable, your job isn’t stable, or you’re the sole breadwinner in a household with multiple dependents, you may want to aim for more like nine to 12 months’ worth of living expenses.

If you’re wondering where to park your emergency cash, the answer is none other than the bank. Currently, the FDIC will insure a deposit of up to $250,000 per saver, per insured institution, which means you’re guaranteed not to lose out on any principal you sock away. Of course, the downside to keeping your savings in the bank, as opposed to, say, the stock market, is that you’ll see limited growth on your money, especially given today’s interest rates. On the other hand, you’ll be able to rest easy knowing that your money is accessible when you need it. You won’t have to worry about selling off securities to access your cash, nor will you risk taking losses on your principal if you need money at a time when the market isn’t doing well.

Once your emergency fund is fully established, you can start saving money for other short-term goals, such as buying a house, going back to school, or even upgrading the electronics in your home. It’s perfectly OK to save money for things that bring you enjoyment but are technically non-essential, provided that you have a fully loaded emergency fund and are also focusing on long-term savings.

Long-term savings

You’ll need some long-term savings if you want to live comfortably once you’re retired. As a general rule, it’s wise to set aside 15% to 20% of your income for the future, and the reason, again, is to ensure that you have enough money to cover your bills when you’re older.

One thing to keep in mind about retirement is that your expenses may not drop as much as you’d expect them to. Think about the different bills that eat up your money today, like housing, healthcare, transportation, food, clothing, utilities, and entertainment. These are all things you’ll want or need in retirement, so other than the cost of your commute to work, you probably won’t experience such a dip in spending when you’re older. There are several options for building long-term savings that not only allow you to accumulate wealth over time, but offer some tax benefits as well. 

Saving for retirement in a 401(k)

If your employer sponsors a 401(k) plan, signing up might be the easiest way to build a nest egg for retirement. With a 401(k), the money you choose to contribute will be deducted automatically from each paycheck you receive and deposited into your account. From there, you can choose your own investments from those offered by your plan to grow your savings over time. Unlike near-term savings, which belong in cash, long-term savings, like your retirement account, should be heavily invested in stocks to fuel their growth, so be sure to take a look at your plan’s offerings, which will likely consist of mutual funds and index funds, and choose those with a stock-focused strategy.

Aside from making retirement savings easy and seamless, 401(k)s also allow for higher annual contributions than several other retirement plan options. You can currently put in up to $18,500 a year if you’re under 50, or $24,500 a year if you’re 50 or older. And because the majority of companies that sponsor 401(k)s also match employee contributions to different degrees, there’s a good chance you’ll score some free cash by participating.

Another benefit of saving in a 401(k) is the tax breaks involved. With a traditional 401(k), the money you contribute will go in tax-free and grow on a tax-deferred basis, which means you won’t pay taxes on investment gains year after year. With a Roth 401(k), you won’t get an immediate tax break, but your money will grow tax-free, and your withdrawals will be taken tax-free in retirement. 

Saving for retirement in an IRA

If you don’t have access to a 401(k) through work, you can save for retirement in an individual retirement account, or IRA. Whether you opt for a traditional or Roth IRA, you can contribute up to $5,500 a year if you’re under 50, or $6,500 a year if you’re 50 or older. And, as is the case with a 401(k), once you open an IRA, you’ll get to choose from a range of investments to grow your wealth. In fact, you’ll generally get far more options in an IRA than with a 401(k).

In addition to the traditional and Roth IRA, there are two IRA types available for self-employed individuals: the SEP IRA and the SIMPLE IRA. Short for simplified employee pension, a SEP IRA allows you to contribute up to 25% of your net business earnings each year for a maximum of $55,000. With a SIMPLE IRA (short for savings incentive match plan for employees), you can contribute up to $12,500 per year if you’re under 50, or $15,500 if you’re 50 or older.

Keep in mind that all of the aforementioned limits are effective as of 2018. There’s a good chance they’ll go up over time, in which case you’ll have the opportunity to save even more. Furthermore, all of these IRA types, aside from a Roth, allow you to make tax-free contributions and offer tax-deferred growth on your investments. Roth IRAs are funded with after-tax dollars, so you lose that immediate break. However, your money gets to grow completely tax-free so that by the time you’re ready to take withdrawals in retirement, that cash is yours free and clear of taxes. While higher earners aren’t eligible to contribute to a Roth IRA directly, there’s always the option to fund a traditional IRA and then convert it to a Roth after the fact. 

Saving for retirement in a non-tax-advantaged account

Of course, you don’t have to house your retirement savings in one of the above-mentioned accounts. You can always open a traditional brokerage account and grow your wealth there, or even leave your retirement savings in the bank. Neither option is advisable, though, because with both, you’ll lose out on the many tax breaks associated with IRAs and 401(k)s. And if you leave your money in the bank, you’ll limit its growth, since stocks have the potential to deliver much higher returns than savings accounts.

Savings growth over time

Once you establish your emergency fund, your goal should be to leave that sum intact and in a safe place where your principal is protected, like the bank. But when you’re saving for retirement, you’ll want to take steps to grow your money as much as possible — namely, by investing it. 

To give you an idea of how much retirement savings you might accumulate in an IRA or 401(k), check out the following table:

If You Start Saving $500 a Month at Age:

Here’s Roughly What You’ll Have by Age 70 (Assumes an Average Annual 7% Return):

25

$1.7 million

30

$1.2 million

35

$829,000

40

$567,000

45

$379,000

TABLE AND CALCULATIONS BY AUTHOR.

Note that the above figures assume a 7% average annual return, which is a few percentage points below the stock market’s average. These numbers also underscore the importance of saving for retirement in a tax-advantaged account and investing that money somewhat aggressively — meaning, loading up on stocks. This way, you’re earning a higher return on your money than a savings account with a low interest rate or safer investments (like bonds) will allow for. And, because you’re not paying taxes on your gains year after year, you get to reinvest that money for maximum growth.

If you’re uncomfortable with the idea of investing your retirement savings without help, it pays to find a financial advisor you can trust. That way, you’ll benefit from the expertise of a professional who can work with you to devise a financial plan that increases your chances of meeting your long-term goals. 

Ways to save money 

Now that we’ve reviewed the different types of savings you might need, let’s talk about how you’ll get there. One thing you need to know about saving money, whether it’s for emergencies, retirement, or another goal, is that doing so will require some work on your part. Not only that, but you’ll need to make some hard choices about how you spend your money, because the less you throw away needlessly month after month, the more you stand to save. Here are some of the most effective steps you can take to boost your savings. 

Create a budget

One of the most important steps on the road to saving money is creating a budget. This will allow you to see where your money is going month after month and help you identify ways to free up cash.

To set up your budget, comb through your bank and credit card statements to figure out how much you generally spend on a monthly basis. Some expenses, like your rent payment, will be easy to determine, because you’re dealing with a static figure. Others, like groceries, will be trickier, because you’ll need to calculate how much you spend on average.

Also, don’t forget to factor one-time expenses into your budget, such as an annual subscription or insurance policy renewal. If your $1,500 life insurance premium comes due every September, you’ll want to factor in $125 per month to cover that cost.

After you’ve listed and totaled up your various expenses, you’ll want to compare that number to what you bring home in your paychecks. If you’re left with enough room to save 15% to 20% of your earnings, you’re in good shape. If not, you’ll need to cut corners.

Slash expenses in your budget

Even if you are in a position to bank 15% to 20% of your income after paying your regular bills, you might still choose to cut some expenses to free up more room for savings. This especially holds true if you’re looking to meet a specific goal, like buying a house or taking a big vacation.

What items might you cut from your budget? It depends on how much of a savings gap you need to fill. If your current expenses only allow you to save 3% of your earnings, you’ll have to do a fair amount of slashing to hit that 15% to 20% target. If that’s the case, you might consider cutting one major expense, like your housing or car payment, rather than reducing a number of smaller expenses. For example, if downsizing your living space shaves $500 a month off of your rent, you may be better off going that route than messing with a whole bunch of different spending categories.

On the other hand, if you’re already in a position to save 15% of your earnings and you want to get to 20%, you won’t need to go to the same extremes. You might instead cut one or two smaller expenses, such as:

Imagine you’re currently spending $120 a month on cable and $60 a month at the gym. If you downgrade your cable package so it starts costing you $70 a month instead and start exercising outdoors instead of paying for a gym, you stand to bank $110 a month, or $1,320 a year. Of course, your exact savings will depend on how much you currently spend on various expenses, but the point is that minor changes to your budget can add up over time.

Automate your savings

Once you’ve reworked your expenses to free up a nice chunk of cash each month, it pays to automate your savings so that you’re paying yourself first. If you’re looking to boost your emergency fund or set aside funds for a near-term goal, you can set up an automatic transfer with your bank where a portion of each paycheck gets sent directly to a savings account. If you’re looking to automate your retirement savings, you can sign up for your company’s 401(k) plan and have money deducted from each paycheck. Some financial institutions also allow you to set up automatic transfers to an IRA.

No matter what sort of account you’re looking at, automating your savings is a great way to remove the temptation to spend your extra cash. After all, if you never see that money hit your checking account, you won’t have the option to blow it in the first place.

Get a side hustle

In addition to following a budget and lowering your expenses, another good way to build savings is to take on a side hustle. The benefit of getting a second job on top of your primary one is that the money you earn from it won’t already be earmarked for existing expenses. Therefore, you should, in theory, have no problem saving it all. The extent to which your side hustle is profitable will depend on how many hours you put in each week and the nature of your work itself. But if you manage to snag an extra $100 a week from your efforts, you’ll be more than $5,000 richer in a year’s time.

Sell unwanted stuff

Another option for saving money involves taking regular inventory at home and selling the things you find you no longer need. Maybe you’ve upgraded to a new laptop, or lost weight and have a closet full of clothing that no longer fits. Selling these items, whether online, at garage sales, to consignment shops, or to friends, will serve the ever-important purpose of putting cash in your pocket. Even if you’re only talking about $50 here or $100 there, it still pays to get some money for the items that are serving no other purpose than taking up space.

Avoid impulse purchases

Additionally, being mindful of the way you spend money will go a long way toward helping you meet your savings goals. An estimated 84% of U.S. adults admit to falling victim to impulse buys, so if you can avoid making purchases on a whim, you stand to save even more. A good way to steer clear of impulse buys is to institute a 24-hour rule for non-standard purchases (by “standard,” we’re talking groceries, gas for your car, and the things you need to function). When you see something you’re tempted to buy, force yourself to wait at least 24 hours before moving forward. Chances are, you’ll come to realize that while the item in question may be nice to have, you can easily live without it.

Shop smartly

Being a savvier shopper will also help with your savings efforts. Before you venture out to the store (whether it’s for food, clothing, or household supplies), make a list of the items you need and don’t stray from it. Also, look for coupons and rebate offers that will lower the cost of the items you’re buying. Imagine, for instance, that you’re able to save $5 a week on groceries by looking out for sales and planning your meals ahead of time. That may not seem like a lot, but over the course of a year, you’ll bank $260 from your efforts.

It also pays to comparison-shop for big-ticket items like appliances, furniture, and even auto or home repairs. Spending a little extra time doing research could shave a bundle off the cost of the things you want or need, leaving you with additional money to stick in the bank.

Furthermore, shopping with a credit card is a good way to get cash back for the things you’re already planning to buy. Just make sure to never charge more than what you can afford to pay off by the time each bill comes due. Otherwise, you’ll end up hurting your savings efforts by racking up costly interest charges instead of helping them.

Embrace frugality

Finally, adopting a frugal mindset will help you save money in small but meaningful ways. For example, being just a tad less generous with the heat during the winter could lower your utility bills, so if you’re going out for a couple of hours, lower your thermostat. Similarly, if you’re able to walk the 10 blocks to your friend’s dinner party instead of taking a cab or subway, that’s money you’ll get to keep for yourself. This isn’t to say you have to deny yourself every possible convenience life has to offer. Rather, just be mindful of the fact that seemingly minor moves can add up over time.

Anyone can save money

Saving money takes effort and sacrifice. The upside? Having cash on hand for emergencies, goals, and retirement will not only buy you peace of mind, but also bring you a much-deserved sense of satisfaction. Remember, anyone who earns an income has the ability to save money. You don’t need to be rich to build wealth; you just need to make smart choices. And once you get into the habit of saving money consistently, you’ll probably come to find that it’s easier than you thought it would be.

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SunnySeptember 18, 2018
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1min30

इन चीजों की खरीददारी से बचें
हम सभी ने यह टर्म ‘value for money’सुना होगा लेकिन हम में से कितने लोग हैं जो इसका सही मतलब समझते हैं और अपने दैनिक जीवन में इसका पालन भी करते हैं? घबराइए नहीं हम आपको सेविंग्स और इन्वेस्टमेंट के बारे में कुछ नहीं बता रहे बल्कि डेली यूज में आने वाली उन चीजों के बारे में बता रहे हैं जिन्हें खरीदना बंद कर आप भी बचा सकते हैं पैसे…

पहले से कटे फल और सब्जियां

इसमें कोई शक नहीं की कुछ सब्जियां और फल ऐसे होते हैं जिन्हें घर पर काटना मुश्किल होता है। लेकिन इसका मतलब यह नहीं कि थोड़ा सी मेहनत और समय बचाने के नाम पर आप पहले से कटे हुए और पैकेज्ड फल और सब्जियां खरीदना शुरू कर दें। इन फलों और सब्जियों को काटकर और पैकेज्ड कर बेचने वाले ये सुपरमार्केट्स आप से ज्यादा पैसा वसूलते हैं। लिहाजा ताजे फल और सब्जियां खरीदें और उन्हें घर पर काटकर पैसे बचाएं।

पहले से कटी हुई सब्जियां

थोड़ा-थोड़ा स्नैक खरीदना

छोटे-छोटे कांच के जार में रखे स्नैक्स या बिस्किट दुकान के डिस्प्ले में रखे बहुत अच्छे लगते हैं। लेकिन उनकी कीमत उतनी ही अधिक होती है। लिहाजा इस तरह के स्नैक्स खरीदने की बजाए आपको फैमिली पैक या कॉम्बो वाले या फिर रीफिल पैक वाले स्नैक्स या बिस्किट खरीदने चाहिए जिससे आप पैसे बचा सकें।

पैकेज्ड टमेटो सॉस

टमाटर के साथ घर पर ही मिलने वाले कुछ बेहद सस्ते इंग्रीडिएंट और आपका फेवरिट टमेटो सॉस घर पर ही हो जाएगा तैयार और वह भी आधे से भी कम कीमत में जो आप पैकेज्ड बॉटल या रीफिल पैक खरीदने में खर्च करते हैं। साथ ही अच्छी बात यह है कि आपके इस होममेड टमेटो सॉस में किसी भी तरह का प्रिजर्वेटिव नहीं है।

टमेटो सॉस

रेडी टू मेक पैकेट से बचें

डोसा, इडली, सांभर, पोहा, इस तरह के रेडी टू मेक पैकेट्स जो बाजार में बिकते हैं वह देखने में भले ही अच्छे लगें लेकिन उनकी कीमत बहुत अधिक होती है। आप जब घर पर इन्हें तैयार करेंगे तो महसूस होगा कि एक तिहाई से भी कम खर्च में आप इन्हें घर पर ही तैयार कर सकते हैं।

पैकेट वाले मसाले

फूड एक्सपर्ट्स का भी यही मानना है कि गर्म मसाला, धनिया पाउडर, हल्दी पाउडर जिन्हें हम घर पर तैयार करते हैं वे सुपरमार्केट में अलग-अलग ब्रैंड नेम से मिलने वाले मसालों की तुलना में कहीं ज्यादा टेस्टी और हेल्दी होने के साथ ही सस्ते भी होते हैं। इसकी वजह यह है कि कंपनी ब्रैंडिंग, मार्केटिंग और पैकेजिंग के पैसे भी कस्टमर से ही चार्ज करते हैं।

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SunnySeptember 17, 2018
960x0.jpg

17min60

Maybe it was coming of age during the Great Recession and seeing their parents’ retirement savings disappear. Or perhaps they’re motivated by the ideas of investment and wealth management. Or maybe they just don’t like their day jobs.

Whatever the case, a small group of American millennials are bucking the trend and saving gobs of money in order to achieve FIRE or financial independence, retire early.

For millennials in the FIRE (financial independence, retire early) movement saving money and putting it towards investments is key.

Inspired in part by the personal finance bible, “Your Money or Your Life” by Vicki Robin and Joe Dominguez, these folks are pinching their pennies in their twenties and thirties in order to build up big nest eggs.

Some don’t mind retiring on drastically reduced means, living as a family of four off $20,000 a year while others store enough away to live comfortably as millionaires. Whether they land on the high or low end of the spectrum, considering that 1 in 3 Americans have less than $5,000 saved for retirement, the FIRE community’s goals are lofty.

Intrigued by the movement, I emailed some of the top bloggers in the space to ask them, “what are the craziest ways that you’ve pinched pennies in order to achieve financial independence (and) retire early?” Here are their answers.

Because for some people, life is more important than work.

Tanja Hester of Our Next Life 

Saving lots of money at a lucrative job in her twenties and thirties, Tanja Hester achieved financial independence thanks to prudent wealth management.Tanja Hester.

1.Turned the thermostat to 55 degrees during the winter.

I keep our house at 55 degrees during the wintertime. The first gas bill my husband and I got after we moved into our house in Lake Tahoe was north of $400. At the time, we were only heating the house to all of 62 degrees, so we decided then that we were going to get that bill down. We experimented with how low we can take the temperature and the answer is 55 degrees. Any colder and we actively shiver…which is unhealthy. But 55 degrees we can handle by bundling up. We warn guests who visit in the winter!

2. Collected coupons, spending only $100 a month on groceries. 

This was a short-lived thing, because it is so time-consuming and ultimately not worth it, but I had an extreme couponing phase. I would walk around our old neighborhood in Los Angeles to collect a few dozen coupon inserts that no one had claimed and then I’d lug my big coupon binder into multiple stores every week to get the best deals. During that time, I spent less than $100 a month on groceries for two of us in expensive Southern California. But we mostly ate the junk food the coupons covered, and ultimately decided our health was worth more than that.

Tanja Hester retired early at 38 from a career in political consulting, along with her husband Mark Bunge who was 41, and blogs about early retirement at Our Next Life. She is also the author of Work Optional: The Non-Penny-Pinching Guide to Retiring Early that comes out in March 2019. 

Sam Dogen of Financial Samurai 

Focusing on retirement, Sam Dogen stashed away gobs of money working in investment banking.Sam Dogen.

3. Shacked up in a New York City studio apartment with a friend.

As a first and second year investment banking analyst in Manhattan, I lived with my high school buddy in a studio for two years to save about $1,000 a month in rent apiece. The studio was above a noisy subway line that kept us awake all the time with its screeching. Meanwhile, my financial analyst cohorts were all living in swanky one bedroom apartments or had their parents buy their condos for them.

4. Worked 14-hour days to snag free dinner and breakfast.

For the first two years in New York City, I worked 14 hour days in order to eat free dinners and bring home free fruit and cereal for breakfast. I’d get in at 5:30am and stay until 7:30pm because that’s when the free cafeteria opened.

Sam Dogen started FinancialSamurai.com in 2009 as a way to cope with the crisis. In 2012, he negotiated a severance after 13 years in finance in order to be free. He now spends time taking care of his baby boy, writing about personal finance, and playing tennis in San Francisco.

“J” of Millennial Boss

A blogger in the FIRE Financial Independence, Retire Early community, J is saving (and investing) money in her twenties.Millennial Boss.

5. Chose a fake engagement ring.

My engagement ring is fake (the stone is moissanite which is created in a lab) and no one knows. It cost $300 and I get compliments on “my diamond” all of the time!

6.  Carried a wedding dress onto the plane instead of checking luggage.

I fit everything I needed for my wedding weekend, including shoes, accessories and extra clothes, into a backpack because I didn’t want to pay for a checked bag.  I carried my wedding dress on board with me. That was all I needed.

J is the twentysomething blogger behind Millennial Boss and Fire Drill podcast. Follow her journey to financial independence as the young homeowner pinches pennies and makes smart investments. 

Drew of Guy on FIRE

Thanks to extreme saving techniques, Drew is stashing away tons of money for retirement in his twenties.Guy on FIRE.

7. Lived in a 52 square foot room.

House hacking allowed me to get rid of my biggest expense and live for free. In fact, I actually get paid to live. The craziest example was living in a 52 square foot room. I decided to live in the smallest room of my second rental property, which was a complete fixer-upper.  I could have lived for free and still made a profit by living in any of the rooms. However, I wanted to optimize my cash flow so I settled for the 52 foot square room.

8. Drove a 20 year old car.

Most of my friends rushed to buy new cars after landing their first job. Cars destroy wealth creation since they are a depreciating asset and lose their value over time. Plus they require a lot of upkeep. One of my friends bought a $30,000 car that ended up costing him over $240,000

I decided to buck the trend and drive my old car until she was 20 years old and had traveled over 200,000 miles. Driving an old or used car saved me over $6,000 a year. This is a great way for anyone to crush their savings in their twenties. Some may say my car was embarrassing…they may have been right. She was old, dented, and the radio didn’t work the last six months. I would say she had character and was dependable.

Drew is an average twenty-something living in Washington, D.C. He is an outdoor enthusiast who loves the mountains and is always up for an adventure. Drew is also an avid D.C. sports fan, obsessed with real estate, and a self-proclaimed foodie.

Bryce and Kristy Shen of Millennial Revolution 

Kristy Shen and her husband travel the world while in retirement thanks to their wealth management skills and smart investments.Kristy Shen.

9. Refused to buy a house.

This was the most counter-intuitive one that we did, since the common wisdom (not to mention our Asian upbringing) was screaming at us: buy a house now or buy never!  But when we ran the math, nothing about buying in a high-cost city like Toronto made sense and we decided to buck convention and follow the math instead of doing what everyone else was doing.

Turns out, we were proven right and that decision allowed us to become a millionaires at the age of 31 since we were able to take all that money that we would have put towards a down-payment and mortgage, and invest it instead. Most people don’t understand how expensive owning a home is and get suckered into making the worst financial mistake of their life based on nothing more than feelings. It pays to run the numbers!

Bryce and Kristy used to live in one of the most expensive cities in Canada, but instead of drowning in debt, they rejected home ownership. What resulted was a 7-figure portfolio, which has allowed them to retire at 31 and travel the world. Their story has been featured on The New York Times, CBC, the Huffington Post, CNBC, BNN, Business Insider, and Yahoo Finance. 

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SunnySeptember 17, 2018
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नई दिल्ली, 17 सितंबर: रिटायरमेंट के लिए फाइनेंसियल प्लानिंग हमे तभी से शुरू कर देनी चाहिए जब हम काम करना स्टार्ट करते हैं।  क्योंकि इससे रिस्क कम रहता है और इसके साथ ही इससे कम इन्वेस्टमेंट में अच्छी खासी रकम तैयार हो जाती है।  आजकल नौकरीपेशा लोगों की सैलरी में से हर महीने पीएफ कटता है जो रिटायरमेंट के बाद एक बड़ी रकम के रूप में वापस मिलता है।

यह अमाउंट भविष्य के लिए सबसे अच्छी बचत होती है, लेकिन इसके अलावा भी आप अपनी महीने की कमाई का 5 या 10 फीसदी अलग से सेव कर सकते हैं। वहीं बिजनेस करने वाले लोग भी हर महीने एक कुछ रकम बचा सकते हैं जो भविष्य में काम आएगी।

कैसे यूज करें सेविंग 
/>रिटायरमेंट के पहले अपनी सेविंग्स का ठीक से प्लान करें। अगर आप एक मुश्त रक अपने रिटायरमेंट के लिए जमा कर चुके हैं तो बैंक से हर महीने केवल जरूरत के हिसाब से ही पैसे निकालें। कम से कम रिटायरमेंट के शुरूआती पांच सालों तो बिल्कुल ऐसा ही करें। बढ़ती उम्र के साथ आप यह रकम बढ़ा भी सकते हैं।

एफडी है बेहतर उपाय 
भविष्य के एफडी यानी फिक्सड डिपॉजिट सबसे बेहतर उपायों में से एक हैं। इसकी सबसे खास बात यह है कि बैंक इसके लिए आपको ब्याज भी देती है जिससे आपके ऊपरी खर्चे पूरे हो सकते हैं। एफडी आप 5 साल, 10 साल या अपनी जरूरत के हिसाब से कर सकते हैं यह निवेश का सबसे अच्छा जरिया है।

म्यूचुअल फंड में करें निवेश 
अपने बेहतर भविष्‍य के एफडी के अलावा म्यूचुअल फंड में भी निवेश कर सकते हैं। आधुनिक और व्‍यस्‍त जीवनशैली के चलते आप घर बैठे ही ऑनलाइन निवेश कर सकते हैं। कई म्‍यूचुअल फंड कंपनियां कुछ खास तरह के ऑफर भी देती हैं। ऑनलाइन निवेश करने से आप एजेंट को दी जाने वाली मोटी रकम से भी बच सकते हैं लेकिन म्यूचुअल फंड में निवेश करने से पहले नियम व शर्तें ध्यान से पढ़ें।

Web Title: earn and save money for retirement, tips
पर्सनल फाइनेंस से जुड़ी हिंदी खबरों और देश दुनिया की ताज़ा खबरों के लिए यहाँ क्लिक करे. यूट्यूब चैनल यहाँ सब्सक्राइब करें और देखें हमारा एक्सक्लूसिव वीडियो कंटेंट. सोशल से जुड़ने के लिए हमारा Facebook Page लाइक करे

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