Tag: Lifestyle Blogger

Confused Between Renting & Buying? Here’s the Right Option

Posted on by Aditi Malhotra

Rent or buy? – The question has troubled most of us at some point of our lives. It’s a tough question to answer since both renting and buying have their own advantages and disadvantages. Moreover, the choice between renting and buying depends on various variables such as your income and expenses, family profile, income stability and growth, financial outlook, future needs and plans, etc. Which city you are in also impacts the choice for renting or buying. Here team of NewsPatrolling.com did a survey and on the basis of collected facts sharing some key things to consider prior to making the decision for renting or buying.

Down payment vs. security deposit: When buying a home, you need to pay 10 to 20 percent of the property cost as down payment, while the remaining amount will be covered by your home loan. For example, if the property cost of a 2BHK apartment is 50 lakh, you will have to arrange around 10 lakh for down payment. You need to have adequate funds to arrange this large amount. Also, it would not be wise to empty out your entire bank balance for the down payment. You need to have at least 5 to 10 lakh left in your bank account after paying the down payment. On the other hand, if you choose to rent, you will have to pay anywhere between 1 to 2 lakh as security deposit for a 2BHK flat. However, the deposit amount will essentially be unproductive since you will not be getting any interest on it.

 

Income stability & growth: How secure do you think your job or profession is? If your income is stable and growth opportunities exist, you could consider buying over renting. If not, then it would be better to go for renting. When you buy a home and take a home loan, you have to pay Home Loan EMI every month. This is not a problem when your income is stable, but if anything goes wrong, things can get difficult. On the other hand, renting would not create such problems since you can always shift to a cheaper accommodation if you are facing financial issues.

 

Family profile: How many members are currently there in the family? Are you planning to start a family? More members would mean more expenses and it could affect your monthly budget. Choose to buy a home when you are sure that you will not be overburdened by new additions in the family. You need to be able to maintain your quality of life rather than just surviving through the Home Loan EMIs. A home loan is usually for 15 to 20 years, so it would not be a good idea to keep struggling for such long. Considering all other things equal, renting turns out to be cheaper in the short to medium term.

 

Future possibilities: Does your job or business require you to be on the move constantly? If so, then you could choose renting over buying. If not, then you can choose buying over renting, since it will be profitable in the long run. The rent you pay is basically an expense, but when you buy a home, it is an investment since the value of the property is consistently increasing. This would be applicable when you have finalized to settle down in a particular city.

 

New EPFO rules favor buying: EPFO (Employees’ Provident Fund Organization) subscribers can now withdraw up to 90% of their savings in EPF accounts to fund the purchase or construction of their house/flat or for buying land. Also, monthly PF (Provident Fund) contributions can be used for repayment of home loans. These new EPFO rules have tilted the balance in favor of buying a home. If you are an EPFO subscriber and if you have a substantial amount in your EPF account, you could consider buying over renting.

 

Continual reduction in home loan interest rates is also encouraging people to buy rather than rent. Home Loan interest rates used to hover around 10 to 11 percent in 2012-2013, but now they have come down substantially to around 8.5% in 2017. However, the choice between renting and buying will still depend on various variables described above and your specific needs. You need to keep these factors in mind prior to finalizing your decision for renting or buying.

Happy Days, And How To Find Them Again

Posted on by Aditi Malhotra

You are probably aware of the epidemic that is sweeping the world, that of depression and anxiety. You may know someone that struggles with one or both of these problems, or you may have to deal with them on a day today basis yourself? If so then you might what to check out the guide below that can suggest where you may be going wrong and what to do about it?

Are you trying to hard?

Firstly, a lot of anxiety and related depression relates from trying too hard. “But wait,” you say, “Good things come to those who work hard and go above and beyond the call of duty, right?” Well, is that really the case, even in your own experience?

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I’m not recommending being permanent lazy, but it’s good to be balanced in life, and if you are always trying so hard to control outer conditions then not only will this feed into your sense of anxiety, but also make you tired all the time.

Sometimes this great need to work so hard at being approved of by others suggest that there is an issue with ourselves that we need to turn inwards to address. So back off a little and see if that improve things for you.

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Are your expectations off?

Another thing that might be contributing to your anxiety or depression is your expectations. The way we want things to be isn’t often the way that they truly are. This can apply to our relationships, our work, our finances, pretty much everything really.

The problem is the higher your expectations are, the larger space you leave for disappointment when the reality of the world inevitability doesn’t match up to what you were expecting. Of course, that doesn’t mean you shouldn’t expect good things for yourself or to be treated with respect and kindness. Instead, it points to the value of being more flexible with your expectations and achieving the clarity to live with things are they are, not as they might be.

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Is there an underlying condition?

Anxiety and depression are medical conditions, and if you have been expanding them for longer than two weeks, you will need to go and see your medical professional for some advice on treatment.

Also, it can really help to make an appointment with a qualified psychologist to get your condition investigated further. This is because there is more than one type of anxiety disorder and more than one type of depression, and the treatments are not all the same for each. So it can really pay off in terms of your recovery to know what you’re dealing with.

Are you kind to yourself?

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Lastly, a contributing factor to anxiety and depressive disorders can be how we treat ourselves. Stop and listen to the thoughts parading around you mind for a second. Would you speak to anyone else that way? Probably not, and if you did they would likely leave. So why do we do it to ourselves?

Well, it’s mostly because we aren’t taught how to differentiate between thoughts and the meaning of those thoughts. This is something that both meditation and CBT can help you do. Which makes them something worth exploring in your quest for recovery.

 

Busy? You Can Still Help with Your Children’s Learning

Posted on by Aditi Malhotra

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There are a lot of negative articles about hectic lifestyles, especially when it comes to parents who are deeply invested in business ventures. They’re often criticised for not having infinite amounts of time for family matters.

The response to things like this is usually “just make time”, as though it’s that easy! But let’s be realistic: excelling in your career can be beneficial for your child’s in the long-run, especially when you consider finances. But if your child is having school difficulties, this complicates things. Here are some things you can do the will help you overcome a hectic schedule to help your children get the educational assistance they need.

Tutoring

A lot of kids may balk at the idea of having a teacher outside of school. But so many kids improve tremendously on an academic level when given this type of attention. Some may see it as a lazy alternative to helping them yourself. But you have to get that mindset out of your head. If you’re busy and exhausted, you may not be up to the task. Your child deserves high-quality assistance, and this may be best delivered by a qualified tutor! Look into the ways to pick the best tutor for your child if you think this will help you both.

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Smartphones to the rescue

More and more parents are seeing just how useful smartphones can be when it comes to education. While many see smartphones as just another tool that distracts their kids from their schoolwork, it’s absolutely possible to encourage good study behaviors through the use of Internet research and educational apps. It may be worth looking into cheap used phones that your kids can use instead of investing in expensive, ultra high tech phones. There are apps out there that can help with vocabulary expansion, improved reading comprehension, mathematical skills development, and even language acquisition!

Weekend schedules

The weekend is when you’re most likely to have some time. Whatever you’re doing, schedule yourself at least half hour to an hour discussing school with your kid and helping them with their homework. Scheduling it is the best way to get it done; as many busy parents know, as schedule is vital for productivity in day-to-day working life. Let your child know that this is something you want to do every weekend; they’ll get used to it and will be in the right mindset when the time comes.

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More reading

If there’s any subject your child shows any interest in, then get them some books on the subject. It doesn’t have to be a strictly academic subject. Robots, dinosaurs, film, fashion – anything! The simple act of reading boosts your brain power across multiple disciplines. It boosts concentration and memory in both the short-term and the long-term. It’s something they should be doing in their spare time. It’s a fantastic way of giving your child some extra academic assistance that doesn’t eat up much of your time at all. When they fall in love with reading at this age, they’re more likely to read enthusiastically throughout their lives, which will also help them a lot when it comes to college!

 

 

 

Eat Delete Junior- Book Launch

Posted on by Aditi Malhotra

Following the launch of her second book in Mumbai, Eat Delete Junior, Pooja Makhija, Celebrity Nutritionist and a mother of 2 herself, also unveiled her book in Delhi at Olive Bar & Kitchen recently. The book launch at Mumbai was attended by Mira Kapoor and Karan Johar, while Shweta Bachchan, Celebrity Mother and Jamal Sheikh, Editor of Brunch Magazine, Hindustan Times.

The book focuses on healthy eating habits for children ageing from 0 to 15 years and caters to almost all needs, whether as a parent or as a child, there is something for everyone. If a mother is breastfeeding, there are tips for her, if your child doesn’t eat veggies or is a fussy eater, the book tells you how to deal with it, what changes and amendments to bring in the diet and also interesting recipes to cater to specific needs.

Highlighting the issues of obesity in children, early puberty and unhealthy eating habits, Pooja said, that inculcating healthy eating habits in children is far easier than adults but also the fact that children tend to pick habits from their parents mostly, so one needs to be careful.

Adding to this Shweta also said that children do pick some peculiar habits from their parents and it depends whether those habits are good or bad. Like she said that her children are fond of potatoes just like her, which she though wasn’t too good, but then Pooja corrected her saying that even potatoes if taken in moderation and if not fried, are good for health. Shweta also highlighted a good habit that her children have adopted from her, which is having an early dinner. She said they usually dine by 6:30 in the evening.

Jamal also highlighted the benefits of a healthy diet, and how he himself became for fat to fab. Pooja also indulged in a fun quiz game with both Shweta and Jamal and it was fun to watch them unleashing their competitive spirits.

It was a great event and it was really insightful to listen to these amazing conversations between a nutritionist author and a mother and a fitness freak. Here is a sneak peek of the conversations.

Now I know how I have to tackle with my son’s eating tantrums and if you too are a parent who deals with the fussy eating habits of your children, or if you want to know some interesting tiffin recipes, this book is for you. Also Pooja has written a book earlier for adults, which was called Eat Delete, so grab copies of both if you still haven’t, and make yourself and your child, both healthy.

Eat Delete Junior, available on Amazon for Rs 239

Happy Reading and Healthy Eating!

 

Got a Passion for Fashion? Turn It into a Profession!

Posted on by Aditi Malhotra

Turning their passion into a profession is the dream of many. Unfortunately, however, not enough people attempt such a venture as they choose to, instead, make do with their ‘safe’ job. But where’s the fun, and the passion, in that? Nobody should stand for letting their passion disappear as they settle for a job that doesn’t provoke any sort of feeling within them. And fashionistas certainly shouldn’t stand for it. There are plenty of ways for fashion lovers to forge a career in the fashion industry — read on to find a few of them.

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  1. Dress well; dress differently

Both when you’re in the comfort of friends and when you’re in your fashion based job — whether this be an internship, an entry level fashion store job or a position of management in such a store — you need to dress differently. You need to prove to everyone that you are someone who knows how to be different with their dress sense. But you also need to prove yourself as someone who is on trend too. So, why not try tweaking the current trend, whatever that may be, in your own, unique way?

  1. Connect with as many fellow fashionistas as possible

Even in the fashion industry it is a case of who you know rather than what you know. This is unfortunate because, really, it should be the other way around. However, it’s not and the sooner you accept this, the better off you’ll be. And the sooner you begin to make vital fashion connections, the better off you’ll be too. Whether this means schmoozing the boss of your internship or entry level store job, or connecting with fashion designers as you climb higher up the ladder and attend networking events, you must do it. And you must do it even if you are prone to shyness.

  1. Always, always, always aim higher

Whether being the CEO of a fashion company is your life’s goal or not, in order to forge a career in the fashion industry you have to show yourself to be someone that always wants more. And to show you always want more, you should always be searching and applying for higher level jobs. There are a host of careers at Belk that suit this description perfectly. At the moment, the company has vacancies in all sort of high level roles: from Director of Brand Management to Sourcing Associate to Technical Designer. And these are the sorts of roles that you should set your sites on. Well, in any case, what’s the harm in applying?

If you are a lover of fashion and have a real passion for it, what’s stopping you from turning it into a profession? Certainly not advice on how to go about it, that’s for sure, because it’s all up there above. Maybe it’s because you’re scared that being in such close proximity to fashion at all times will force you to hate it? If this is the case, then you should know that the best and most amazing hack that every fashionista should know is that a career in fashion will provide them with on-tap clothing. If that’s not enough to entice you into the industry, then what is?

 

Things You Didn’t Know Could Be Hacked

Posted on by Aditi Malhotra

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You might think that you’ve done well by installing anti-virus software on your computer network and securing your smartphone you’re safe. You may think that telling your employees not to open unsolicited emails and hiring a strong IT Support team is enough to keep you safe from hackers and ransomware, but it isn’t. You see, although all of the measures above are right and sensible, they don’t take into account the myriad of things that can be hacked, many of which you wouldn’t expect.

 

Just look at these things you probably didn’t know could be hacked and you’ll see how much more you need to do to stay safe when you’re connected:

Low Orbiting Satellites

Most of us rely on satellites to run our lives for us. Whether they’re allowing us to communicate across the globe, beaming entertainment into our homes or giving us accurate weather reports to plan our business with or aiding in national security, satellites are important, so it’s scary to think that Low Orbit Earth Satellites can actually be hacked by wrongdoers! Sadly, unless you’re a satellite owner, there probably isn’t much you can do about it, but being aware of the problem might make it easier for your and your team to beef up security back here on Earth.

Printer Networks

If you run a printer network as part of your business, you might want to have your IT team take a look at your network security because although a printer isn’t something we think of as having the potential for harm, it is actually very easy to hack into printers and cause all kinds of mischief.

Air Traffic Control

Flight safety is never too far from the minds of those of us who fly or have family who fly regularly, so it’s rather a scary thought that the number of air traffic control system hackers is growing significantly. After all, it only takes one fake instruction or missed command for disaster to strike!

Child Trackers

More parents are using Child Tracking Devices to help them keep track of their children and ensure that they’re safe. Sadly, these trackers are very easy to hack into and in the wrong hands could allow the wrong people to find and follow our kids!

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Power Grids

Power. We all need it, whether to run our businesses successfully; cook and keep ourselves warm; keep ourselves entertained or charge our smartphones, so we’re never out of the loop. So, it’s pretty important. It’s also pretty easy for skilled hackers to infiltrate the planet’s power grids and cause chaos. In fact, they did just that in the Ukraine in 2015 causing the kind of scenes you’d expect to see in a Hollywood disaster movie.

As you can see, there is much more to hacking than mischievous people trying to steal your bank details or infect your network with ransomware. There are many more nefarious things going on out there, many of which you would never expect, and it’s important that we don’t forget this and remain vigilant, without getting too worried, if we’re to help in the fight against cybersecurity crimes.

 

 

 

 

Entertain New Friends At Home The Right Way With These 4 Simple Tips

Posted on by Aditi Malhotra

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Moving to a new location or starting a job is never easy in the first place, but one of the more challenging aspects of this is making new friends in your area. You might have met them at your new working area, in your apartment complex or when experiencing a random and strange event occur at a supermarket. No matter how you came together, what is important is that you did.

You might like to cement the budding friendship by inviting them and their significant other to your place for a simple meal and entertainment. This can be nerve-wracking. How are you supposed to make the right impression on people? How can you seem relaxed without coming across as too relaxed? How can you look interested in them without seeming

desperate for friends?

Not everyone is a social butterfly, and for some people, these questions pose genuine and significant worries. First impressions matter, and being rejected by someone after a first meeting is a real and justifiable fear people hold. You shouldn’t fear, though. With the following tips, any person worth knowing will react well to these post-dinner entertainments.

Don’t Be Afraid Of Conversation

Deep conversation is maybe to be discouraged with new guests, but it isn’t to be prevented entirely. If the topic heads that way, let it. People who hold naturally opposing viewpoints should be able to discuss them with grace and decorum. If the person you’re hosting can’t do this alongside you, then that person isn’t worth knowing in the first place. Often the unlikeliest couplings form the strongest friendships, so don’t be afraid to disagree with your guests. Just be respectful of their opinion.

Introduce A Little Liquor

Alcohol can help you overcome the initial social inhibitions and allow the conversation to move freely. It can also allow a vast majority of people to feel comfortable in their skin in a new situation. You needn’t spend too much on overpriced liquor, finding alcoholic local store promotions or the best kikori whiskey price can allow you to host cheaply, but with quality drinks worth drinking.

Video Games

For the uninitiated, this might seem silly. Surely board games or party games are more sociable? It all depends on what game you play. There are many party games available for groups of people, and you might just have a more fun and reactive experience this way. How else could you get in a competitive game of bowling, a boxing match and a quiz all in one room?

Ambient Music

Music allows you to set the tone of the evening, even if this is in more of a subtle way. Slow, gentle music promotes unwinding, while happy, upbeat music brings an energetic vibe to your entertaining. It all depends on the hour of your relaxing with your new friends, and how you assess their temperament.

Include everyone, ask questions, and be sure to hold a genuine interest in your new potential friends, and you might just make reliable contacts for the years to come.

 

 

A Picture Says 1000 Words – How To Capture These Memorable Moments

Posted on by Aditi Malhotra

We may live in a digital age, but most of us still fill our homes with photos of family and friends. They serve as reminders of past events, happy moments, and memorable occasions. You might not spend hours staring at them, but you wouldn’t want to have a home without all those faces around you.

You might use a digital photo frame that scrolls through holiday snaps, historical shots of senior family members, and old baby photos. Or you might have the entire wall of your stairwell filled with framed pictures of everyone you love. A giant canvas art in the living room and printed pictures held up by magnets on the fridge are all common uses of photographs. So which moments do you treasure most?

The Family Portrait

This is often staged and produced at a professional studio. The photographer will position each of you, so you all fit in the frame. He might request that you all wear the same color, or choose something with different textures. This can add to the visual impact of the shots. Portrait photography like this is often digitally altered, edited, or graded to appear more art-like than your standard taken-at-home shot. This makes it perfect for a large print in a frame or a large format canvas art.

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The Wedding

This is a pivotal moment in your lives. And it’s also the day when you’ve never looked more beautiful. When you’re discussing the photography, make sure all the shots you want will be covered. You can also choose how they’re presented, although an album is most common. Why not invest in a large portrait print for the wall? Photos last just as long as the memory, so why shouldn’t you adore that day?

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The Big Birthday Bash

This might be the event of the year. Chances are a lot of planning went into this one to make it perfect for the birthday boy or girl. These are the photos you see most often on social media. Themes that involve dressing up certainly make the best shots, and everyone wants a pic of themselves in their fancy dress costume. You could hire an event photographer, or ask that everyone uploads their pics to a common FaceBook page. That way, you pick the ones you want to treasure and arrange for prints.

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Graduation

This is another fantastic photo opportunity that is often covered by the professionals. That doesn’t stop you taking a few pictures yourself in a more casual stance. It can help to show the enjoyment of achieving that all-important certificate. Bring all the family in for a group shot.

What should you look for in a great picture? A natural smile and interaction between the people in the photo always makes for a good pic. Think about what else is in the frame. Remove clutter, and try to avoid straight-on portraits. A little turn to the side helps add depth to the image. Most importantly, let what we see in the frame tell the story of the occasion.

 

Adding Extra Sparkle To Your Dinner Party

Posted on by Aditi Malhotra

Entertaining at home used to be considered a casual alternative to a night on the town. If you wanted a low-key, easy way to catch up with friends and relax, you would get them over to your place and either order takeout or cook a cheap and quick meal. Restaurants and bars were reserved for special occasions only – but these days things are quite different. Home entertaining has not only become more common in everyday society, but it has also become much fancier. People go all-out to impress with both their hosting and their cooking skills. After all, many of us have a natural need to nurture, and providing entertainment and quality food to those you care about can be a rewarding experience. There’s also no denying that it can be a bit of an ego-boost when people enjoy something you have done for them! So, if you’ve persuaded your loved ones to come round to your place instead of going out, you’re going to want to pull something off that truly makes it worth it for them. Here are a few ideas to help you add that extra bit of sparkle to your dinner party.

Appetizers

Nothing screams ‘posh event’ quite like a selection of canapes and appetizers – so why not try making some of your own? Typical practice for home entertaining is to throw some potato chips in a bowl and be done with it, but hand-making some pre-dinner treats shows that you’ve gone the extra mile. They can be quite fiddly to make if you’ve never done them before, so don’t try anything too ambitious just yet. There are plenty of flavorful yet simple combinations that won’t take a lot of time to make, but will still whet your guest’s appetite.

Quality alcohol

‘Bring a bottle’ is the usual protocol when it comes to having a meal with friends at home. However, if you want to treat your guests, ask them to leave the bottles at home – and YOU will provide the alcohol. This way, you can meticulously match the wines (or beers) to the food you are going to serve. Plus, you may want to invest in something a little harder for later in the evening, such as kikori whiskey. The spirits market has seen a huge resurgence in Japanese whiskey recently, so if you want to impress your guests, being knowledgeable about the most fashionable spirit around will certainly make your party one to remember.

A show-stopper dessert

Even if you don’t have much of a sweet tooth yourself, simply bringing out a beautiful dessert can be enough to take your dinner party to the next level. Thanks to shows like Cake Boss, and across the pond, The Great British Bake Off, desserts have become more and more outlandish in recent years. Think of your dessert as a centerpiece as well as a sugary way to finish off the meal – there are some amazing designs you can use as inspiration if you’re not sure where to start.

Fast Ways To Eliminate Stress

Posted on by Aditi Malhotra

Stress is something that we all go through at one time or another. It is that uncomfortable feeling of being under pressure and not knowing whether you will be able to come through and achieve what you want. Unfortunately, stress is an ever-present part of modern life, and this doesn’t look as if it’s going to change anytime soon. However, there are some things that we can do to manage our stress in the here and now. Read on to find out what they are.

Meditation

Meditation is a great way to manage stress. This is because it is all about focusing in the now. The point is to just experience what is happening right at the time without controlling it, something which can help alleviate stress. By just letting it be you give it the chance to work itself out, and pass, instead of clamping down on it and making it stay for longer.

Meditation can also help you slow down and listen to your own thoughts. This is useful as you can make calm decisions even if you are feeling stressed. Something that can help you get a positive outcome no matter what your internal state is.

Exercise

Exercise is also a good quick remedy for stress. When we are under pressure our bodies often coil and constrict as if they are ready to pounce into action. This is because stress stimulates the old fight, fight, or freeze response that comes from our lower brain.

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Exercise can help alleviate this, as it provides somewhere for all of that nervous energy to go. So next time you are feeling stressed take a walk, or head to the gym and work out some of the symptoms physically. You will be surprised by how good it can make you feel.

Water

Drinking lots of fluids can also help you beat stress. This is because your brain is 85% water, and if it’s not properly hydrated it’s not going to work right. Also when we are stressed the body releases a hormone called cortisol. By drinking lots of water, we can keep this diluted in our bodies; negating some of the effects.

But what sort of fluids should we drink? The answer is and always will be water. Why? Well, water is the most natural fluid. As well as the purest, especially if you use a system like this Everpure water filter to remove any contaminants from the stuff you get out of your taps.

It’s also easier on the body because you actually have to use more fluid to expel caffeinated drinks than you gain from drinking them. Something that often leads to dehydration.

Therapy

Lastly, if stress is a constant issue in your life, you may want to consider some counseling or therapy. This is because many people suffer from what are known as cognitive distortions, or a skewed way of looking at the world.

This can cause them to interpret situations as stressful when they are not. However, by learning to recognize these issues, you can have a more balanced reaction to them, decreasing your stress.