Best Websites for IIT JEE prep

Maths by Mohit sir :

Etoos IIT:

Physics Galaxy

P K Physics

Vocabulary for SSC CGL

Vocabulary for SSC Exam Preparation from vidyaguru12

Presentation1 from Sourav Mukherjee

Word power made easy 25 words from Sourav Mukherjee

Best Youtube Channels for Study

UNACADEMY 

•      https://unacademy.in/home 
• 
  

  

 MRUNAL.ORG (IAS)

 

STUDY IQ  (For SSC,Rail) 

 SCHOLAR ELITE (SSC Rail )

 GradeStack :

http://gradestack.com/ssc/   and Mobile App

 For Daily Vocabulary :

http://dailyvocab.com/

 TestBook :

TestBook SSC 

TestBook Blog 

 

Video Vocabulary : 

 

 Dinesh Miglani Tutorials 

Best Websites to Spend time with (Category : Motivation and Spirituality)

 UPANISHAD GANGA

   VIVEKANANDA Samiti 

Vivekananda Study Circle

  SRIMAD Bhagavad Gita (Anup Jalota)

SRIMAD Bhagavad Gita (Jai Sri Krishna)

Part 2

Bhagavad Gita (Old Mahabharat)

 

 

Hindu Ritual Ekadashi

Ekadashi is an important Hindu Brat observed by whole India.
It is generally observed on the 11th day of waxing and waning of moon.It comes twice in a month.
People keep fast either totally (recommended) or partially on these days.
According to scriptures taking Rice is strictly prohibited.

You can know more from this video by Asharam Bapu, very well informed video:

Ekadasi Food – What can be eaten on Ekadashi?

Ekadasi, or Ekadashi, is an important Upvaas (fast) dedicated to Lord Vishnu. Millions of Hindu devotees observe Ekadasi, which is considered highly auspicious by Lord Vishnu devotees. The traditional approach is to abstain from food completely on the day. But nowadays a complete fast is not possible for many people. Such people consume certain food items on the Ekadasi day and observe only a partial fast.

It is believed that demon Mura found a dwelling place in the rice and Lord Vishnu appeared in the form of Ekadasi to annihilate Mura. Therefore devotees who fast on the Ekadashi day avoid food made from grains.

Many devotees due to several reasons – like health and job commitments – observe partial fast on the day. Such people avoid non-vegetarian and food items made from beans, pulses and grains, especially rice. The most preferred Ekadasi fasting food in western parts of India is Sabudana Khichadi with potatoes and ground nut - but no onion and garlic.

The food that can be consumed on the Ekadasi day includes fresh and dried fruits, milk products, vegetables and nuts.

As the list of Ekadasi food expands there will be new issues cropping up like – Are you sure this can be consumed on Ekadasi?

So the golden rule is avoid pulses and grains on Ekadasi.

Drink lots of water and eat fresh and dried fruits.

In Hinduism, Upvaas is meant to bring a person close to Brahman. So forget about the rules and regulations and what you are going to gain from the Ekadashi fast. Spend the day in purifying the mind and body.

Best websites for Personal Finance

Go through these websites for Financial Queries :

Personal Finance Advises :

• Jagoinvestor
• Basunivesh
• My investment idea

Mutual Fund Related Queries :

• Mint 50
• Value Research

Stock Market :

• Arun's Blog
• Value Picks
• Paul's Blog
• Moneycontrol
• Rakesh Jhunjhunwala Fan site 

Insurance as an investment product : Is it really worth??

Insurance vs Investment :

Currently in different TV channels or Financial articles we often came across the topic that insurance is not a good investment product.Is it really true? Let us dig it up a bit.

Various Insurance products

Insurance Companies like LICs , HDFC , MAX ,SBI Life they offer a various kind of Insurance product.

• Pure term life Insurance : This product gives nothing to you.You pay the premium and within the policy tenure if you die the total sum assured amount will be given to your family.It has zero maturity benefit so many people are not interest.
  * This product is highly recommended for the main earning member of the family.
  Buy online version of the term plan to get cheaper premium rates.

• Endowment Plans :  Here you have to invest x amount yearly for y years and after z years of lock-in period will get an maturity amount which consists of Bonus + Premium amount + other.
  * Not recommended for average income people (3-7 lakhs).This will definitely help to save your tax.But only to save taxes one should not invest here because it provides return at around 6% now which lower than F.D. interest rate.
• Savings Solutions :  These have also tax benefit, but yields very lower return on maturity. Premiums are also High.
  Popular schemes : LIC Jeevan Anand, Jeevan Saral etc.
  *Not recommended for investment.
  
• ULIPs:  This is the most sold  misleading product by the brokers.This is a big trap.For example In HDFC ULIP if you invest 50000 p.a for 10years.After 20 years the maturity value would be around 13 Lakhs.
   But instead of it we put that 50000 for 10 years in RD and will put the maturity value for FD of 10 years.We will get 18 Lakhs+.
  
  
  So choose wisely your insurance product.Buying only an online term plan is enough for your life cover.Diversifying investment with several insurance product is ultimately a loss.

Way out : Put your extra money on the Govt backed debt fund like PPF which will give you 8.7% p.a. tax free interest with a lock in period of 15 years.

If you are not comfortable with Lock in of 15 years, invest in Tax saving FDs for 5years.