Wednesday, 9 April 2014

Get Rid of Depression During Recession

Get Rid of Depression During Recession 

There's no doubt about it that there is global recession ; though its hard for some to accept it but down in their heart and minds they are suffering from its consequences . When you experience more than just a temporary bout of the blues, your entire outlook on life can suffer. Try some coping techniques that others find helpful when you're feeling despondent.

Rule out a medical cause for your depression. A chemical imbalance can result in uncontrollable sadness and depression. See a medical expert for testing.

Set aside time each week to help those less fortunate. You might feel as though your lot in life is poor but there are always others who need your help. Donate your time to read to children at the library or serve meals to the homeless. Call your local Chamber of Commerce to get contact information for volunteer organizations.

Catch yourself when you're thinking self-destructive thoughts and turn them around. This isn't easy but when you find yourself thinking that nothing good ever happens to you, sit down and remember the good things. Summon the feelings you had during those moments.

Make a list of your accomplishments. Anything you have achieved, counts. If you were in a kindergarten play, write it down. If you play the guitar, write it down. Write down every little thing that you've ever down that took even a tiny bit of talent or skill. The idea is to focus on your accomplishments and not the negatives in your life.

Develop your spirituality. Whether or not you are religious, you may find comfort and support in a spiritual setting. Visit a different church every Sunday or if organized religion just isn't your thing, check out some books on alternative spirituality.

Put your feelings down on paper. Start a daily journal where you record your emotions each day. Self-therapy is very successful for some people who suffer from depression. Dig deep into your mind and write down the reasons you think are behind your feelings. Do this every night or when you are feeling overcome by depression.

Find a creative outlet. Some of the most famous artists and writers in history were depressed. Get some art supplies and paint or draw. Start writing a book or make some crafts. Channel your depression into an art form.

Get off the sofa and go outside. Plan a daily walk at the same time each day and do it even if you don't want to. Regular exercise puts your mind in a more relaxed state and can lift your spirits. Alternately, join a health club and work out with a buddy.

Talk to someone. Depression is not shameful. Sometimes it helps to tell others how we feel and get their feedback. If you don't have a therapist or cant afford one, call your public health agency and ask about free support groups in your community.



Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Thursday, 20 March 2014

Cost Cutting Ideas for the Workplace During Recession

Businesses like to keep their costs around the office as low as possible. Fortunately there are so many different ideas that any company can implement to keep their costs low and save money. Many of these ideas are simple things that do not take much time or effort, but in the long run can save your workplace a considerable amount of money.

Unnecessary Expenses

Cut back on anything that is an unnecessary expense. For example, if the office subscribes to several different magazines, consider dropping them. If your company pays dues simply to belong to different organizations examine whether or not you really use the organization and if it does any good for you or if it is just an unnecessary payment.


Paying your bills on time helps to keep costs low, especially if companies charge you late fees. Late fees are unnecessary expenses that are only a detriment to your company. Of course, paying your bills is dependent on your customers paying theirs. If you are a service-based company, expect payment at the time of service. You can also charge half of your fees up front and the half upon completion. This keeps you from having to mail out late notices to your customers, which saves you money in postage, and also helps you be able to pay your own bills in a timely manner.

Office Supplies

Be smart when it comes to buying your office supplies. Shop around for the best deals, use coupons when applicable, buy in bulk to save money and stock up when items you use all the time go on sale. You can also find ways to get some money back through recycling. Many office supply stores offer you store credit when you return empty ink cartridges or old printers and computers. See which stores in your area offer the best of these bonuses. Instead of buying brand new ink every time you need it, purchase or get your empties refilled, which can save you $10 or more per cartridge. You can also reuse. Instead of throwing away scrap paper, use it. You can use the back of it to print on again or cut it up to jot down notes instead of buying fresh paper to scribble on.


Take note of what services you pay for that you can eliminate. For example, if you mail a lot to your customers, consider using email instead. This helps you save money not only on postage, but also on paper, envelopes and ink. Think about all the extras you have on your phone service and decide if there is any way you can cut back on that. The same goes for any copier or other office equipment you may lease.


Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Monday, 24 February 2014

10 Tips to Turn Your Startup Dream Into a Reality

Every entrepreneurial venture starts with a good idea, evolves to a bunch of amazing ideas, and with any luck, ends up as a successful business.

But how do you move from that first idea to your final success? In our book, Small Business, BIG Vision, my brother and I talk a lot about this. We discuss how having a big vision is so important, but that it doesn't mean anything if nothing comes of it.

Here are 10 steps to move your dreams into reality:

1. Define the difference. You need to be clear about how your product is unlike other competitors.

Suppose your dream involves a new type of social media that lets you create online collections of visuals that people can share. Are you talking about Pinterest? Slideshare? Instagram? You need to set yourself apart. If your idea is not clearly defined, people may have a "been there, done that" view of it.

2. Look for the problem-need-want your idea solves. Will it shorten the time it takes to do something? Does it make it easier to find something? Can it make something more exciting or more functional? If your product or service doesn't address an identifiable problem, need or want, why would anyone spend money on it?

3. Use clear, strong words. This is not the time to say, "It's kinda like this...." Find the exact right words and avoid jargon. Instead, focus on a description that can fire the imagination. If you can't get people excited about your idea, it's not going to go anywhere beyond your head.

4. Do your homework. Are you the first with this idea, or will you have competition? Research online, visit conferences in your industry, talk to experts and search for mentors. Do your due diligence now. You don't want to discover that someone else got there first after you invest valuable time and money.

5. Do your homework again. Even if no one else has your idea, someone may have another plan to solve the same issue your idea addresses. Look at any tangential businesses that may usurp your potential customer. You can do this determining and analyzing your competition. Think of this to help you: What might people spend their money or time on instead of your product or service?

6. Define your customer base. If you say "everyone," you're just being lazy and you're kidding yourself. Who are your product or service's early adopters? Will people choose your idea over something they already spend time and money on, or will they decide this is a brand new way to spend time and money? Which people will really, really want what you have to offer, and who will have to be educated or talked into it?

7. Determine your resource requirements. What exactly do you need to get started? Can you build it in your basement using standard tools and materials? Does everything depend on a website that distributes the service? Can you handle the startup alone or do you need a team? And if so, a team that includes who? How much money do you need to get your idea off the ground? This is not a fast process. Expect to spend a fair amount of time on research, checking with suppliers, and talking with industry experts and specialists.

8. Build a prototype. Yes, this is critical with a product, but just as important if you're offering a service. If you're creating a service, your prototype can be a process map that details customer contact points and what has to happen internally to meet customer needs. A physical prototype should be working and include a clear understanding of function, reliability and production requirements. If you can't actually build a real prototype at least have computer-aided designs with detailed specs.

9. Do the math. No plan is complete without a thorough financial analysis. This includes a realistic and convincing revenue projection and accompanying costs. You should be able to detail the estimated break-even point and future profits. If you need help on this part, get it. A bush-league financial statement can kill even the greatest idea.

10. Write your plan. I'm not talking about the pitch you give potential money people -- I mean your internal plan for taking your dreams all the way to the finish line. You need to have this in place for yourself, so that when you wake up tomorrow you know what to do. It will keep changing, and that's okay. In fact, it's important to maintain flexibility in your plan.

When you take the leap with your big vision, you'll either bounce, crash or fly. But one thing's for sure, you'll never find out if you don't take action. 
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Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Best Stock Market Investments

The stock markets are a means to buy and sell, but they are a market place: when, what, and how often and how much one buys, accumulates or sells is NOT the province of the market: that is the province of the field of investment which is covered elsewhere. Investment in general is a rich and complex field as it serves all kinds of investors, government, corporations, services, groups and individuals: each investor has her own objective, her own access to capital which to invest. Indeed, the subject of investing can well be approached from the investors point of view. Given that I am writing this here in a wiki, an information forum open to and created by the community of the world, it might be appropriate to direct this summary to the individual small investor, who invests as part of a long term and life long plan of savings for herself, her family and heirs. Again, the market is a place where one trades (buys and sells) financial instruments, such as stock, bonds and the many forms of these instruments, and is not itself concerned with investing, ie, the strategy for making a profit under many many varied desires and circumstances. This section under the stock market should be dry, technical and thorough, and should serve as a reference. However, to understand the vehicles, form a coherent view of ones own objectives and the appropriate vehicles: stocks (common, preferred) bonds (convertible or not) one should start with an introduction to investing, and most likely, focusing at first on individual investing, which should be the most straight forward and the most useful.

Traditionally the US stock exchange has given an annual average return of seven percent after adjusting for inflation. This makes it one of the most lucrative investments available. Granted, there is no guarantee that the market will behave in the future as it has in the past, but it has been consistent in some respects over its 70+ year history.
The challenge and lure of Investing come from the fact that it is an inexact science. In physics, there are a few laws which govern a large variety of physical phenomena. In Investing, there are no such comparable laws. Investing is all about predicting the future. Since, there are a large number of factors influencing the future price of a stock, there is always a degree of uncertainty with any position.
Stocks are just one kind of financial instruments. The field is complicated by the fact that there are mutual funds, Exchange Traded Funds (ETFs), Real Estate Investment Trusts (REITs), options, futures , bonds and several other kind of financial instruments. It takes almost a year to just familiarize oneself with the jargon of the field.


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Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Thursday, 20 February 2014


A 50- Something Year old White Woman Mrs Nancy Clair from UK  Arrived at her seat on a Crowded Flight BA 443 and immediately didn't want the seat. 
Her seat was next to a Black Man Raj Kapoor. Disgusted, the Woman immediately summoned the Flight Attendant Ria Ber  and demanded a new seat. 
The woman said "I cannot sit here next to this Black Man." The Fight Attendant Ria said "Let me see if I can find another seat." 
After checking, the Ria [ Flight Attendant ] returned and stated "Ma'am, there are no more seats in economy, but I will check with the Captain John Golfin and see if there is something in First Class. 
" About 10 minutes went by and the Flight Attendant Ria returned and stated   "The Captain John has confirmed that there are no more seats in Economy, but there is one in First class. 
It is our  Airlines Policy to never move a person from Economy to 
First Class, but being that it would be some sort of scandal to force a person to sit next to an UNPLEASANT person, Captain John agreed to make the switch to first class." Before the woman could say anything, The Ria gestured to the Black Man and said,

"Therefore Sir Raj, 
If you would so kindly retrieve your personal items, we would like to move you to the Comfort of First Class as the Captain doesn't want you to sit next to an UnPleasant Person.

" Passengers in the seats nearby began to applause while some gave a standing ovation..............


Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Monday, 17 February 2014

Learn Best Way to Invest Beginner Money !!

The Main Educational Ideas of this blog is to help you learn and train yourself to put money aside, commit money to earn a financial return as well as the Best Ways to Invest Money? How to invest money Is committing money to earn a financial return the same as playing for money? It must have crossed your mind if you had committed some money every month to acquire shares of any major company during four or five years previous to filing its bankruptcy. Having tried to take some business risks cost you an arm and a leg, but if you had given it a second thought you would have committed your money to a savings account earning a 1,3 or 2,3 annual percent during that time period. Still, during that lapse of time, the Dow Jones Industrial Average scale had raised 100% its price. Middle class property house prices had raised between 6% and 8% in that same time. Certificates gained around 6% per year. Could your possibilities to succeed be higher if you were playing at some casino or race? You may either come out naked or you may triple your pension money.

Committing money in certificates, shares and/or properties is not similar to playing for money, even when shares, certificates and property prices fluctuate suddenly. Keeping money aside at home is not the same either. Contrasting ideas come from the following: Putting money aside is to keep your money worth the same when not being used. On the other hand, committing money for profit has to do with risking. Depending on where you put your cash, that is to say what kind of business, you’ll get more or less turnovers. To invest is to put money in the financial market or in real estate to increase its future value. Committing your money includes shares, collecting coin, bonds, real estate, options, and future contracts; savings is usually done through a bank savings account.

Speculating is putting money in a place in which opportunities to get a financial return in blue through a determined period of time are just minimum. With this investment probabilities of getting back some money over a long period of time are really high. Therefore, we can assure that investing and speculating are not the same; moreover, speculating is more related to gambling in which odds are against the individual that decides to invest. The risk of loosing in future contract investments area extremely high. For each dollar earned from commercializing future contracts you loose another one. Then, why are there who invest en speculative values? The answer is very simple. If investments work as one hopes or expects, the investors will count with a substantial turnover.



Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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Sunday, 16 February 2014

Mind Blowing Ways To Flourish Your Home Business

10 Mind Blowing Ways To Flourish Your Home Business 

1. Show your prospects how much enthusiasm
you have for your product and business. If you're
convincing enough, they will be enthusiastic too.

2. End your sales letter or ad copy with a strong
closing. It could be a free bonus, a discount price,
a benefit reminder, an ordering deadline, etc.

3. Please your complaining customers. You can
refund their money, give them a discount, give
them a free gift, solve the problem quickly, etc.

4. Make your customers get excited about your
business and they will tell their friends. Give
them a free vacation certificate, a coupon, etc.

5. Give your prospects extra confidence so they
will order. Use endorsements, testimonials, a
strong guarantee or warranty, etc.

6. Build your opt-in list by allowing your visitors
to sign up for a free e-zine, ebooks, software,
contests, sweepstakes, etc.

7. Give your prospects or customers a breath of
fresh air. Don't be afraid to design your web site
and ad copies different from everyone else.

8. Allow your customers to get part of your total
offer right after they order. If you have to ship the
item, make one of your bonuses available online.

9. Write and submit articles to e-zine publishers
or webmasters. If you want it to be published, it
should be like an article and not like an ad.

10. Show your prospects that you are an expert,
because authority can persuade people to buy.
You could publish an article, write an ebook, etc.

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Surbhi Maheshwari [MBA Fin / Mktg ] 
Manager Finance
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