What are the ideal saving plans which help in your retire life?

As much as you want to, it may not be really easy to do retirement planning in India. Inflation shows no signs of receding and keeping pace with that our demands are forever increasing as well. This has also made the national economy grow at a lower rate than before. A lot of people also like to buy gold for their preference for this diminishing natural resource. There are also a lot of financial products available these days and that can make you really confused. The situation has been further complicated by financial institutions such as banks that are not doing their work properly enough.

Planning for retirement

There are two phases in retirement – distribution and accumulation. Accumulation is the phase when we gather the amount needed for our life after we retire. Distribution is the phase when we have to pay up the money we have collected in the accumulation phase. The main aim here is to make sure that we do not face any problem in our lives after retirement. Financial products can be classed into two distinct categories – pre-retirement products and post-retirement products. The New Pension Scheme or NPS is one pre-retirement saving product.

Ideal Investment Plans for You
Ideal Investment Plans for You

New Pension Scheme

The New Pension Scheme can be availed by any and everyone, and can be defined as the right product for retirement. In the last four years people who have invested in the programme are getting returns of almost 10 per cent. In fact, as far as government employees are concerned, investment in the programme is a mandatory one. Ones who manage this fund can get exposure to equity instruments and other related investment options. This is a good sign for the programme in the long run as far as experts are concerned.

It can provide you tax benefits as well under Section 80C. You also have to buy annuity that is worth 40 per cent of the sum you have accumulated in the said programme. This is mandatory and needs to be done at the time of retirement. You can use pension calculators provided by the Indian Government and find out how much pension you and your family can receive. You can also find out about pension commuted from these calculators.

Employee’s Provident Fund

Also referred to as EPF, the Employee’s Provident Fund happens to be among the most popular retirement saving plans in India. It was started primarily as a product for retirement planning. However, the common consensus in India does not consider it to be one. The rate of return that you get from the Employee’s Provident Fund is pegged at around 8.5 per cent. By investing in the Employee’s Provident Fund you can get tax deduction as per Section 80C. At present the upper limit for tax benefit is INR 1 lakh. The interest that you get from this is tax free.

You can also withdraw from the said programme if you have gone on investing in it for five years at a stretch. It is different from the New Pension Scheme in the sense that there is no restriction or limit with respect to purchasing annuity. Experts would advise you to keep investing in the programme. You can do that even in case you change your job by asking for a transfer of the Employee’s Provident Fund. This would make sure that with the strength of compounding you would also get guaranteed returns. This is a major benefit of these plans.


As far as returns on investment are concerned equities happen to be right there at the top. It is better than any and every financial instrument in India in that particular respect. Mutual funds and stocks are the biggest examples of such investment.

Which 4G mobile network connection can perfectly fulfill your demand?

Airtel is one of the first companies to have started 4G connections in India. If you subscribe to Airtel you will get a download speed of 25 mbps. This is a good enough speed considering the situation in India. Airtel also has decent tower strength and this is one more factor that works in its favour. The costs are also reasonable in case you are wondering about that and you can install the whole setup quite easily. If you are already an existing user of Airtel then you can upgrade to a new 4G plan with a few simple steps. At present Airtel has six 4G data plans – INR 649, INR 849, 1 GB, 5 GB, INR 1999, and INR 2999.

Reliance Jio 4G plans

The 4G plans of Reliance are known as Reliance Jio. They are available both in prepaid and postpaid forms. It is being said that they will introduce smartphones with 4G capabilities and priced at around INR 50. Ever since it went live from 5 September 2016 Jio has taken the country by storm. Reliance right now has four plans – INR 299, INR 499, INR 1499, and Jio Prime. Jio Prime is the newest plan where you will have to pay INR 303 for 28 days and you will be allowed to use a maximum of 28 GB(1 GB each day) a month. As per the tariff structure of the plan you are supposed to pay INR 211 for the data that you use.

Find your suitable 4G mobile network
Find your suitable 4G mobile network

Vodafone 4G plans

Vodafone is offering a number of 4G plans as well. As of now, it is not available all across India though. In fact, it is offering much more than any and every other service provider in the country. It basically has a plan for each and everyone. The plans start from INR 102 and go up to INR 1247. As of now, it is offering 3G and 4G services as part of the same plans. However, there are some selected plans for people willing to go the 4G way. They have several internet combo plans that come with validity of 28 days each. These are available in prices of INR 596, INR 356, and INR 186. Apart from these there are packs that offer a fixed amount of 4G data usage.

Idea 4G plans

Idea happens to be the third-biggest operator of mobile services in India and is also supposed to be one of the top 10 such providers of the world. The company has already received the license to provide 4G services in a number of states across India. They may be mentioned as below:

  • Maharashtra
  • Kerala
  • Karnataka
  • Goa
  • Andhra Pradesh
  • Madhya Pradesh
  • Chhattisgarh
  • Punjab
  • Haryana
  • Northeast

As opposed to service providers such as Airtel and Vodafone its 4G plans are much less costly. However, it is hampered by its lack of nationwide coverage. The plans start at INR 249, 1 GB data and validity of 28 days, and end at INR 1346 with 10 GB data and 30 day validity.

So, what should you choose?

If you want your network to be available all across India then you should definitely go for Reliance Jio and Airtel. However, if it is cheaper rates you are looking for then Idea is the one for you. However, in that case you need to make sure that the Idea network is available in your state as well. As far as Vodafone is concerned, it has a number of data plans that will suit just about any and everyone out there. So, you should give its plans a look as well.

What are the precautions you need to take before going out for a summer vacation with your small child?

One of the first things that you should definitely do when you go out for a summer vacation with your toddler is to take some time. You should never rush things – do each and everything that needs to be done at your own pace. Otherwise, you can always be sure that you will be making some major mistake or the other. Normally, small kids do not mind the time-related pressure that is such an integral aspect of travelling. This is why they are likely to stall you time and again with something or the other. However, if you have already calculated this extra time you can be sure that nothing will faze you.

Booking ahead

Normally you would be staying in a hotel when you have small kids with you. However, even if you are camping it is always better to book in advance. Just imagine you have come to your vacation location and you do not have anywhere to stay. You would have no option but to head back home as soon as possible. All the while your kids will be hungry and also disgusted at how they have no place to stay. So, do not be adventurous with kids around you. Always, go for the safe option.

Giving them a camera or two

These days, you will find cameras that can be used easily by children without them getting damaged that easily. These are basically children-proof cameras. When they have a camera kids may feel emboldened to see their surroundings in an observational manner. If they find something interesting they can take a few pictures of the same. In fact, you could be surprised by what they have been able to achieve in spite of their relatively-less height. They see the world in a different way than us and as such can click images that we can only think of.

Precautions of summer vacation for your small child
Precautions of summer vacation for your small child

Be ready for the climate

It is always important that the kids are dressed in a comfortable manner keeping in mind the weather as well as the terrain of the place that you are visiting. If you do so, you will see that they are quite happy in the environment that they are in during the holiday. These days, specific gear and clothing are available for children. So, there should be no excuse for you as a parent to go wrong on that point. You need to be very careful in this regard.

Packing pull ups for potty training

If your kid is still being trained for potty training the worst thing that can happen to him and you are a vacation and that too one where you get to travel in public transport such as planes. You may already be over your head with the luggage that you are carrying. However, you would have to carry a potty, several wet pieces of clothing that are going to smell like hell, and several sets of clothes as well. This is where you can consider using pull ups for your kids especially if they are on a plane.

Use apps

These days, a number of apps are being designed for toddlers. This is why; if you are travelling by plane you do not need to add to your hand luggage with a toy box to boot. You can take a book that they can read during the journey or even a magic scribbler for that matter. Please do not take crayons – they may get lost in the sides of the seats. However, if you have a device that is full of games and apps it would be the best entertainment for them that is for sure.

How 2017-18’s union budget help to the Indians?

The 2017-18 union budget was presented by Arun Jaitley at the Lok Sabha on 1st February 2017. This was the fourth budget presented by the Indian Government headed by Narendra Modi. During the budget presentation, Jaitley – the Union Finance Minister – made it quite clear that the demonetization initiative would not have a long-term impact on the national economy as such. At the same time he also announced that a greater amount of INR 184,632 crore had been allocated to welfare programmes being run for children and women by the different ministries. This was also a joint budget, one where the railway budget was presented along with the national budget.

Focus of railways

It is expected that in the upcoming financial year Indian Railways will place greater emphasis on safety of passengers, cleanliness, and capital works among the various areas that need to be looked at with greater urgency and importance. The budget, as usual, elicited some mixed responses, Navin Patnaik, the Chief Minister of Odisha, said that he had been expecting some more benefits for the common man but clearly came away disappointed on that front. However, Radha Mohan Singh, the Union Agriculture Minister, feels that the new budget will only make things better for the farmers.

Positive opinions

Singh feels that with the dairy processing infrastructure fund to be set up farmers’ conditions will only improve. He has also conveyed his thanks to Narendra Modi. Pankaj Patel, the President of Federation of Indian Chambers of Commerce and Industry (FICCI), feels that the budget would make Indian economy a lot stronger. He feels that it is headed in the right direction and is prudent from a fiscal point of view. It also makes the administrative system of national government stronger than before. In fact, Jaitley has been congratulated by FICCI for the vision he has shown through the budget.

2017-18 Union Budget
2017-18 Union Budget

What does FICCI feel?

FICCI opines that apart from guaranteeing economic growth the union budget makes sure that there is a sense of justice to the economic system at large. It feels that without inclusion growth feels almost like a debt and this is one area where the new budget has done well. Prashant Pillai, the Director-Corporate Segment of Thomson Reuters has stated that in the year that went by the national government had taken a number of initiatives and all of them aimed at inclusive growth. He said how pleased the organization was in seeing that India had a clear strategy plan for its economy.

Good days ahead?

Thomson Reuters has expressed satisfaction at the way India is stressing so emphatically on good governance. In fact, Pillai feels that with the new budget a step has been taken in the right direction. The micro, small, and medium enterprises have received some significant boost and the tax base has been widened further only. It has also praised the way efforts are being made to create an economy that is more compliant with the tax structure. The organization has also expressed relief at how the development of a technology platform for the goods and services tax (GST) has kept pace with expectations.

Expectations for the future

According to Thomson Reuters the next few years will be critical as far as corporations are concerned since they would need to build the sort of technology infrastructure that can keep pace with various changes. It feels that 2017 could be a year of transformation for India from the point of view of tax regimes. Tilak Raj Seth, Head Mobility, Siemens Limited, as well as Chairman of Confederation of Indian Industry (CII)’s Rail Transportation & Equipment Division, feels that the budget has taken good steps in boosting the railway sector.

What is your travel plan during Summer Season in India?

In 2017 are you looking for summer travel where you do not have to face any problem whatsoever? Are you thinking about destinations where you can spend your summer holidays the best? Well, you can always look up the internet and get the answers from websites that have plenty of suggestions as to where you can spend your time in India during this summer. All across India, which happens to be one of the largest countries in the world, there are plenty of places where you can enjoy the summer just exactly as you would want to. There are pleasant places and then there are sun-soaked locations if that is the way you want things to happen.

The sheer variety that is India

If you wish to spend your time at the beaches during this summer then India can offer some of the finest beaches in Asia. If you want it to be cool then choose any of the hill stations in northern India where you can come close to the magnificence that is the Himalayas. You can be sure that any time spent in these parts would lift you spiritually and mentally. There are plenty of meditation and yoga centres in India where you can come and enrich yourself.

The historical references

It is said that Beatles – yes the fathers of rock and roll – came to India in search of inspiration and emancipation, and spent a significant amount of time in the Western Ghats, full of spices and tea. Western Ghats and Eastern Ghats, down towards the southern part of India are also like the jewels of India’s crown. The hill stations here have a different appeal, which is sure to soothe your senses and make you want to come back time and again. In short, there is so much to see in India that it is impossible to experience it in one lifetime.

Travel plan during Indian Summer
Travel plan during Indian Summer

The top tourist destinations in India

Following is a list of some of the leading tourist spots in India:

  • Ladakh
  • Mount Abu, Rajasthan
  • Sikkim
  • Auli
  • Coorg (Kodagu)
  • Spiti Valley
  • Manali
  • Gulmarg
  • Andaman and Nicobar Islands
  • Dharamsala
  • Bhutan
  • Mussoorie
  • Rishikesh
  • Kalimpong
  • Tawang
  • Pachmarhi
  • Ooty
  • Almora
  • Shimla
  • Ranikhet
  • Mahabaleshwar
  • Pahalgam
  • Darjeeling
  • Kullu
  • Panchmarhi, Madhya Pradesh
  • Nainital
  • Kodaikanal, Tamil Nadu
  • Matheran
  • Wayanad, Kerala
  • Srinagar
  • Shillong, Meghalaya
  • Masinagudi
  • Munnar, Kerala
  • Pithoragarh
  • Coonoor, Tamil Nadu
  • Deoria Tal


Ladakh is also lovingly referred to as Little Tibet by many. In fact, it is regarded by many as the best-kept secret of India from the world when it comes to tourism. As far as summer holidays are concerned there are hardly any better locations than Ladakh in the northern part of this country. It is unique in the sense that it is one of the few cold deserts of the world and is located at high altitude – factors that combine to give it an appeal unlike anything else in the country. Visiting Ladakh is a lifetime experience, one that you should never miss no matter what.

Located in the eastern part of the Indian state of Jammu and Kashmir, Ladakh is a quite big region in itself. One of the spots that are highly preferred over here is Chang La. It appears en route to Pangong Tso and is a favourite of people who like to travel on their motorbikes. The breathtaking scenery of this pass is one reason why so many people like it so much.

What is your idea about Customer Support for an Online Store?

For any online store or ecommerce business to succeed, it needs to have a well developed customer support system in order to make sure that the needs of customers are perfectly taken care of. The thing with online stores is that customers hardly get the opportunity to get any human interaction. Therefore they need to get as much efficient customer support as possible in order to feel that they are spending their money on a reliable product or service provider. With effective customer support, it is also possible to boost sales and ensure greater customer engagement that can lead to long term rewarding relationships with the customers.

By providing on time and high quality customer support, the online store owner company can promote their enterprise as a prominent brand. An excellent strategic method to fulfill the needs of all customers is to arrange for multi channel customer support systems. This helps to manage all kinds of customer related queries about the business. The business owners need to make use of social media, email, phones, chat as well as a number of other platforms for attaining this goal. Most online business owners nowadays focus on providing their customers with a great experience when they decide to get in touch with them. This is done to encourage the customer to make further purchases and be contended with the products and services that they have to offer.

Email support: One of the most important forms of customer communication is through the email. An online business owner should provide his or her email address to the customers where they can send queries or report about their grievances relating to any product or services. There are many apps and email clients that can help in managing bulk quantities of ecommerce emails in an organized manner. Not only they can help a business owner to send replies to all in time but also close down emails once they are done with them in order to maintain the inbox in an organized manner. The ecommerce store owner can also use the email for providing information about new products or special deals.

Different ways to provide best support to the customers
Different ways to provide best support to the customers

Social media: With more people nowadays using the social media than ever before, ecommerce firms that are not paying special attention to their social media profiles should get started with the act as it can greatly boost their sales. Customers often choose to interact with the ecommerce store owners through their social media platforms such as Twitter and FaceBook. Therefore it is necessary that the business owners put special importance on answering to such queries put forward through social media since it makes the customers feel special and cared for.

Live chat: This is a lightweight and easy to use communication system that is fast becoming popular with many ecommerce business owners. A chat application allows the customers to get in touch with the store customer support team in real time and get any kind of doubts clarified at the shortest possible time. The non-voice element of live chat allows customers to use this feature without stopping their music. They can also avoid waiting for a customer support agent to answer, something that is often the case with live phone calls.

Phone calls: While this is one of the oldest forms of customer support, it still remains to hold its importance as many people feel comfortable when they can actually get to hear a human voice. There are many programs or applications that an ecommerce business owner can use in order to carry out large number of phone calls and receive inbound calls with very little expenditure. The phone calls get to provide customers with a more intimate and personalized customer support experience.

How Online Cab Booking Services help us in our busy life?

These days, technology has improved in a significant manner and it has had some major bearing on all aspects of our lives. Online booking of cabs has become an integral part of our lives now and much of this has to do with what has been talked about till now. It is due to this new development that the taxi services in India have become so good and dependable now. So many people, who were earlier bothered, disturbed, and frustrated because of the way cabbies kept on refusing people left, right, and centre can now heave a sigh of relief.

Cab booking apps

The presence of these apps such as Ola and Uber on our smartphones has made things so better for one and all. This means that all you need to do now is go to the app, book a ride for yourself with your pick up and drop locations, and get the vehicle nearest to you for a safe and comfortable journey back home. As per statistics provided by the Indian Government, approximately 69 per cent of the vehicles that have licenses can be categorized as ones that can be hired privately. It is in such a scenario that the providers of these services are trying their to do the best that they can for people like you.

How to help us Online Cab Booking Services
How to help us Online Cab Booking Services

Why is online cab booking a better idea?

First of all, these services provide you a sense of comfort because you know that no cabbie, who is part of a network such as Ola or Uber, will refuse you. They make the whole experience very convenient for you. Contrast that with the normal taxi drivers. If it is not a destination that they wish to go to they will either refuse you if they are polite or not even heed your call and just vanish from in front of you.

Benefits and the reasons for the same

With the help of the various apps of the service providers it has also become much easier to call them. Since, these cabs do not face any issues with parking it becomes rather easy for them to respond to people’s requests. What further helps is the fact that they are available round the clock. Try saying the same about the normal cabs as well! This feature gives them some added advantage as more people rely on them and thus avail their services as well.

Saving money

Since these services have pre-determined rates there is no question of paying anything extra to the drivers or any such nonsense. With these services you can always save a significant amount of money. Often these service providers offer discounts every now and then in order to sweeten the deal. There could be discounts for booking at a certain period of time in a day. This is also one way in which these services are helping us on a daily basis.

Saving time

With these online cab services you can also save a significant amount of money. In most cases, in fact without fail would be the most appropriate word over here, these service providers have a definite route for reaching for point A from point B. So, there is no question here of the driver taking you on a ride since you do not know the route and thus piling up the bills to your utter agony. In case of these services, the drivers have to follow a definite route and that means you can reach your destination much earlier. The technological part of these networks is so developed that it is also easy for you to locate a driver and vice versa.


List some Stress-less Jobs which help to lead your life easily

Stress is one of the most debilitating factors of modern life that affect most people in some way or another. Not only stress makes it difficult for people to attain complete mental peace but it also affects one’s physical health in more ways than one. People have jobs that they need to maintain so that they can pay their bills and provide for their families. However, what their jobs might require them to do can be stressful to them for a number of different factors. Sometimes pressures in the workplace can also add to that stress, making it difficult for people to think clearly after a day’s work. It is therefore not surprising that many people are now looking to opt for stress-free jobs that allow them to earn well while at the same time keep their minds and bodies free of tension, anxiety and stress that goes with it.

Here is a list of stress-free jobs that a person can choose from when he or she wants to lead a more peaceful life.

Material scientists

A material scientist studies and carries out research on substances at their molecular and atomic levels to determine the ways in which they react with each other. This knowledge is then further used for developing different types of new products.


The role of geographers comprises of studying the natural world and various areas of the Earth’s surface, carry out research on the physical aspects and features of a region and also find out how human activities affect the natural aspects of that region.


Orthodontists examine, diagnose and cure different types of dental problems, oral cavity anomalies and gum problems. They also carry out surgeries to realign the teeth and jaw areas to make sure that these parts of the body work perfectly. They also help to make sure that the appearance of the dental areas can be improved in order to enhance the physical appearance of a person.

Stress Free Jobs List
Stress Free Jobs List

Naval architects and marine engineers

Naval architects and marine engineers design and develop ships and aircrafts as well as maintain them for utmost performance. They also build aircraft carriers, sailboats, submarines and tankers. Professional marine engineers regularly work on different types of mechanical systems like steering and propulsion. The naval architects operate on the design and structure of the naval systems, such as the stability and form of hulls.

Food scientists

The role of food scientists is to make sure that the agricultural establishments are coming up with food products that are safe for consumption. They take samples from food to carry out in-depth scientific examinations.

Computer hardware engineers

Computer hardware engineers research, design, build and test computer systems and computer-related equipments for industrial, commercial, military, scientific and general usage. Their services are considered indispensable in various industries.


Astronomers observe, research, measure and interpret various types of astronomical phenomena for increasing basic knowledge about the stars and heavens or applying such information for solving practical problems.


Professional economists study production as well as distribution of goods, resources and services. They also help to develop models that would help in studying the economic policies of a governing body or help in developing new policies.


The statisticians make use of statistical methods for collecting and analyzing data and solve real-world problems associated with the sphere of business, the sciences, engineering, or other fields.

Political scientists

Political scientists research and study the origins and development of political systems and analyze their structures and operations to determine current and future trends.

Law teachers

The law teachers teach students about different types of law that are prevalent in a country.

What are the benefits of cashless economy?

Ever since the historic announcement of Prime Minister Narendra Modi that led to demonetization, the government is taking special steps to make India a cashless economy. In a country where more than 90% of transactions are carried out by cash and many people are yet to have a bank account, turning India into a predominantly cashless economy is easier said than done. However, under the present circumstances, it has now become necessary for us to closely inspect the benefits of a cashless economy and how it can change our lives for the better.

One of the most important advantages of becoming a cashless economy is the sheer convenience that it provides us while carrying out financial transactions. This means that people will not have to stand in long queues outside ATMs or need to carry bundles of cash when they are buying anything or going out of station for traveling or other purposes. This also makes it safer to manage money when a person is traveling. Carrying out transactions without actually using cash will be particularly beneficial in case of real emergencies, medical or otherwise. This means that a person can carry out financial transactions at any time of the day without worrying about office hours. One does not even have to be present physically while carrying out the transactions.

Cashless Economy Trend in India
Cashless Economy Trend in India

By using mobile wallets for carrying out payments, one can easily avail a lot of discounts whether they are looking to buy anything, pay utility bills, buy air, rail or movie tickets or perform any other kind of transactions. The mobile wallets regularly offer discounts and cashback offers that allow people to save money and perform other transactions later on with reduced expenses. The wallets also offer loyalty benefits and reward points on the existing debit and credit cards which can improve the cash flow of the consumers marginally.

Using cards predominantly to carry out financial transactions also reduces the risk associated with theft. While it is impossible to get cash back once it is stolen, it is possible to electronically block a card once it has been stolen. This ensures that the money in the card will not be stolen by any unauthorized personnel. This particularly helps when people are traveling from one place to another and carrying a bulk of cash can actually cause a lot of inconvenience.

Since the government is all set to ward of a number of taxes when it comes to cashless or digitalized economy, it would be possible for people to have more money on their hands than ever before. This is certainly going to help people who tend to work with limited funds in their day to day lives. Moreover, having more cash in their cards or bank accounts can actually improve the lifestyle of people and encourage them to spend on things that would get them comfort and leisure.

Another important reason why people should support the concept of cashless economy is that it is going to help people practice a sense of budget discipline in their day to day lives. Since each and every small or large transaction is recorded by the bank authorities, it is possible to keep tabs on spending and manage money in a more efficient manner. There are also numerous tools and apps that can help people to track and analyze their spending habits which can in turn make it possible for them to come up with methods to control their spending. This can also help them to manage their money for further investments. Such features and benefits can help people to manage their finances effectively for a better future.

How to choose a perfect Smart Phone for your own use?

Now it’s very tough to choose a perfect Smart Phone for everyone. Presently , lots of smart phones are available in the market with different variety. But, if you will try to choose a Smart Phone after checking lots of online store, then after spending sometimes surely you will find yourself in a tough puzzle. At that time you will close all the tabs of your browser and go to listen some good music for refreshing yourself. This is now everyone’s problem. Here I will help you after giving some outline for choosing your perfect Smart Phone:

  1. Set your budget (don’t look any bigger budgeted phone which will cross your budget).
  2.  Select Ram size and Rom size which you like.
  3. Select OS version (if it Android then 6.0 is ideal choice).
  4. Check Battery life of your choice.
  5. Check performance of Cameras.
  6. Finally, check the online reviews of that phone.
Choose your desired Smart Phone
Choose your desired Smart Phone

World Knowledge Database