What it is… A lifestyle blog for ( career driven women ) with a team of authors.. Posting multiple timed daily about topics from career,to culture,fashion,beauty,travel and more.. Why I Love it….I go back and forth between loving and liking..but lately I m loving it,so its back on the list..In a nut shell,the Every girl site shares a wealth of content for women about what it looks likr to live a meaningful healthy and stylish life.. They definitely know thevsort of topics people are searching for and keep a nice balance of everything personal and professional,and aspirational yet accssible…

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Bitcoin, is a digital currency created by an anonymous computer programmer or group of programmers knows as satoshi Nakamoto in 2019.owners of Bitcoins can use various web sites to teade them for physical currencies,such as u.s dollars or Euros,or can Exchange them for goods and services from a number of venders.                                  Nakamoto was concerned that traditional currencies were too reliant on the trust worthiners of banks to work properly.Nakamoto proposed a digital currency,Bitcoin that could serve as a medium of exchange without relying on any financial institutions or governments.The proposal was made in october 2008 in a paper published on the Bitcoin website which had been founded in August 2008.               Bitcoin relies on public-key cryptography in which users have a public key that is available for everyone to see and a private key known only to their computers.             In a Bitcoins transaction users receiving Bitcoins send theirs public keys to users transferring the Bitcoins.  Users transferring the coins sign with theis private keys and the transaction is then transmitted over the Bitcoin network.so that no Bitcoin can be sent more than once at the same time,the time and amount of each transaction is recorded in a ledger file that exists at each node of the network.the identities of the users remain relatively anonymous,but everyone can see that certain Bitcoins were transferred. Transactions are put together in groups called blocks. The blocks are organized in a chrronological sequence called the blockchain.Blocks are added to the chain using a mathematical process that marks it extremely difficult for an individual user to hijack the blockchain. The blockchain technology that underpins Bitcoin has attracted considerable attention ever from skeptics of Bitcoin as a basic for allowing trustworthy. record keeping and commerce without a cental authority.

There is a myth in the market that the stock market is just like gambling. People who invest in the financial markets are just speculators and are lucky enough fir their trade. Although these are a few similar features to investing/trading and gambling. They are very distinct. The varience in risk and return is the point of distinction between gambling and trading. In stock markets yield may be greater than risk while the risk is greater than yield in gambling. Stock markets encourage us to be both a buyer and a seller, while you can only be a buyer in gambling. Given the above peole,lose money mainly in stock markets because they put money into stocka without knowledge or analytical skills. If you treat stock trading like a gambler, so it is certainly gambling for you. In the stock market you have an edge called statistical advantage, the key to success is doing continuous research, and you make decisions that are more informed whereas in gambling you more depends on the luck factor . Trading will be similar to gambling when you just take random stocks and make transactions. When you invest in something to generate profits it becomes business. In business or trading, reward to risk is high, people lose money only when they fail to understand the risk to reward ratio before arriving at any decision. In gambling most of the time it is the dealer bookmakers and casinos. Who generate profit you speculate and the odds are never in your favor. Gambling is psychological and related to the lottery where you are ready to lose asmall amount of money in anticipation that you will get a large return. In trading you can predict or define your large of rate of return. Not only do gamblers trade with thoughts in dreams, but also with a risky lack of market analysis and risk management Their purpose is to trade not to study charts and monitor risk. Traders tend to focus on profound research and logical thought. In games such as poker,some elements make it more like trading. If you are smart enough and apply analytical skills there are chances that you can bring yourself in a position that can increase the probability of winning and bring down the odds in yours support. At same point in time, traders might have gotten lucky or unlucky based on different circumstances but in long run. It is all about making informed decisions based on certain strategies, skills, risk tolerance and other parameters etc. Trading however if done skillfully and art fully can put you in the position of the house and is no more gambling. The trading strategies should not be complex rather well tested and in limits with a disciplined approach. A trader predicts the market trend based on past trades and accordingly plan their strategy for every trade using technical and mathematical analysis. A must requirement for stock trding is logic and reasoning. Investors judge provious trades and then prepare their approach i.e ,where to spend, how much to buy and how much to spend. The best traders have theirs exit plans in place before entering into the market. Trading in futures and options should be used a risk management tool for hedging purposes. For Ex.. You are a former and believe that the price of your goods may came down or go up. Out of any negative situation hence took a position in commodity futures to offsets risk on the current product. The key to success in diversification monitoring and follow the trends and respond quickely. Trading is a long term game but its short term Excitement appeals to many people. A winning trade provides them with the dopamine rush required, where a losing trade induces great pain. A suvcessful trader has consistency selfcontrol, and emotional well being. Stock market trading is very volatile and depends on many factors. Hence volatility factor makes it very difficult to predict. In gambling one wrong move can kill your financial wealth, emotional stability, and something your relations too.

Although stock trading dates back as far as the mid-1500s in Antwarp modern stock trading is generally recognized as starting with the trading of shares in the East India company in London.

THE EARLY DAYS OF INVESTMENT TRADING..

Thoughout the 1600s, British,French and Dutch governments provided charters to a number of companies that included east india in the name.All goods brought back from the east were transported by sea,involving risky trips often threatened by severe stooms and pirates.To mitigate these risks,ship owners regularly sought out investors to proffer financing callateral for a voyage.In return investors received a portion of the monetary returns realized if the ship made it back successfully ,loaded with goods for sale.These are the earliest examples of limited liability companies (LLCs) and money held together only long enough for one voyage.

THE EAST INDIA COMPANY…

The formation of the east india company in london eventually led to a new investment model,with impoting companies offering stocks that essentially represented a fractional ownership interest in the company, and that therefore offered investors investment returns on proceeds from all the voyages a company funded,instead of just on a single trip.the new business model made it possible for companies to ask for larger investments per share,enabling them to easily increase the size of their shipping fleets.investing in such companies,which were often protected from competition by royally issued charters became very popular due to the fact that investors could potentially realise massive profits on their investments.

THE FIRST SHARES AND THE FIRST EXCHANGE..

Company shares were issued on paper enabling investors to trade shares back and forth with other investers, but regulated exchanges did not exist until the formation of the londan stock exchange(LSE) in 1773. Although a significant amount of financial turnmoil followed the immediate establishment of the LSE,exchange trading overall managed to survive and grow throughout the 1800s.

STOCK MARKET PLAYERS .INVESTMENT BANKS, STOCK BROKERS, AND INVESTORS ..

There are a number of regular participants in stock market trading..Investment banks handle the initial public offering (Ipo) of stock that occurs when a company first decides to become a publicly trading company by offering stock shares.

Here’s an example of how an IPO works. A company that wishes to go public and offer shares approaches an investment bank to act as the under writer of the company’s inital stock offering . The investment bank after researching the company’s total value and taking into consideration.what percentage of ownership the company wishes to relinquish in the form of stock shares, handles the initial issuing of shares in the market in return for a fee,while guaranteeing the company a determined minimum price per share.It is therefore in the best interests of the investment bank to see that all the shares offered are sold and at the highest possible price.😍

The stock market refers to public markets that exist for issuing,buying, and selling stocks that trade on a stock exchange or over-the -counter.stocks also known as equities, represent fractional ownership in a company, and the stock market is a place where investors can buy and sell ownership of such investible assets.An efficiently functioning stick market is considered critical to economic development as it gives companies the ability to quickly access capital from the public.

Purposes of the stock market capital and investment Income.

The stock market serves two very important purposes.the first is to provides capital to companies that they can use to fund and expand their businesses. If a company issuesone million shares of stock that initially cell for rs.10 a share,then that provides the company with rs.10mullion of capital that it can use to grow its business(minus whatever fees the company pays for an investment bank to manage the stock offering).By offering stock shares instead of borrowing the capital needed for expansion,the company avoids incurring debt and paying interest charges on tht debt. The secondaly purpose the stock market serves is to give investors those who purchase stocks- the opportunity to share in the profits of publicly traded companies.Investors can profit from stock buying in one of two ways.some stocks pay regular dividends(a given amount of money per share of stock someone owns.) the other way investors can profit from buying stocks is by selling their stock for a profit if the stock price increase from their purchase price.For Example- If an invester buys shares of a company’s stock at Rs10 a share and the price of the stock subsequently rises to Rs15 a share , the investor can then realize a 50./. Profit on their investment by selling thwir shares….

Demat and Trading accounts.

What you have to do to invest in the share market ? Firstly open a demat and trading account online with a brocker and link your bank account with that opening demat account is a very simple and easy process.once you have your demat and trading account,you can start investing in the indian share market.it’s essential for you to be familiar with the stock exchanges and their functions.stock exchange is where buying and selling of shares take place.the stock exchanges are regulated by SEBI (securities and exchange Board of india).the two important stock exchanges of india are NSE (National stock exchange) and BSE (Bombay stock exchange).

As per your goals,choose the particular financial asset for investment.Indian share market is the one stop destination for all your needs.If you are more concerned about regular income and preservation of capital,you can opt for debt instruments likes bands.if you want capital appeeciation and willing to take risk ,equity is the one for you .before you invest in a share do a complete study of the company ,its financials future prospects of growth. Below is what you have to do to achieve ypur goals.

(1) Define your life goals. (2)Learn about financial assets. (3)choose the respective asset as per your need. (4)start investing regularly. (5)Fulfill your goals.

Hope you have got a basic idea of share market and so now it’s time to understand the different financial instruments.

Types of stocks to invest in share market..

When you buy a share ,you can be a comman share holder or preferred shareholder on the basis of ownership. As a common share holder, you are permitted to vote in shareholder meetings and you are eligible to receive dividends.if the company where you have invested goes bankrupt, you will receive the share of proceeds of liquidation only after all creditors and prefessed shareholders have been paid.

As a prefessed shareholder,you may not have voting rights.but you will get dividends before common shareholder receives it.

On the basis of market capitalization,you can invest in large cap ,mid cap and small cap stocks. Market capitalization= share price * Number of shares outstanding. Outstanding shares are the shares that can be bought and sold in public markets.I will Explain this with an example say a company (A) has 1000 outstanding shares and the share price is Rs.10 ,then market capitalization of the company will be 10 x 1000= Rs 10000.

Large cap stock…

These companies are well established and have a strong presence in the market.companies lije Tcs,Infosys and wipro fall under this category . Investing in these companies are less risky.

Mid cap stocks…

These companies have the potential to grow big and are relatively riskier compared to the large cap companies.

Small cap stocks..

Start ups fall under this category and are highly risky compared to the above two on the upsider,they can become a runaway success overnight. The next essential aspect you should know is Ipo(Initial public offer).A company raises money from public through Ipo.it sells its shares so as to bring in capital for its shares sa as to bring in capital for its future development. Your yield is high when you invest in a share due to the power of compounding.In simple terms the price of shares you hold tadaly may be Rs 100,it can double or triple if you hold the share for a long time.!!!!!!!!💐

Indian stock market may reel under pressure when it opens for trading on wednesday after prime Minister (Narendra Modi) extended the nation wide lockdown till 3 May to curb the spreed of the deadly coronavirus.

P.M said certain relaxation can be given in areas that have shown promise in fighting the disease.An assessment will be done for next one week in all towns,districs and states based on which the relaxation can be given.

The 21 day national lockdown was scheduled to end on Tuesday,april 14. Total cornovirous cases in the country surged past the 10,000 mark today,making it more important that the gains achieved so for in terms of containing the spreed are not erased. It is difficult to say how much pressure the market will see when it opens for trading tomorrow.but the market is seeing this volumes anyway and there has been no meaningful participation said k.R Choksey investment manager. Economic activity is being promised to start from april 20 in a phase manner.that should provide some relief . fortunately the harvesting part is already happening in rural india .

For the year to date ,benchmark equity indices sensex and Nifty are still down 25.61 percent and 26.09 percent respectively,as coronovirus pandemic has triggered a flight to safety. In recent times ,the market has been very volatile, as it has taken cues from stimulus measures provided by governments and central banks, while keeping a close watch on the spread of coronavirus locally and globally.

Foreign institutional investors(FIIS) have sold a net of $66 billion of indian shares for the year to date period,as risk has been off the table. Amar Ambani, senior president and Head of Institutional Research at Yes securities,said the market was already was expecting an extension to this lockdown .”this is largely on expected lines.so I dont see incremental impact from this development.however ,the fact that new cases are surfacing globally,and even people who are cured are testing positive will bother the markets,”said Ambani”.

He said the market was pinning hopes that the government would come up with stimulus measures and that should come up sooner rather than later.”If that doesn’t come in soon, we could see more damage to the market .I don’t think the market will be too disappointed.it is to ensure that we don’t suffer more in the longer run,”said independent analyst Ambareesh Baliga.

The biggest fear is another round of covid .we need to ensure that it stopes with this.”he said we already had a sense of extension with few states announcing it already.hopefully ,the relaxation ,when happens ,should help the poor earn their livelihood.”he said”…..

Mutual fund investment may seen complicated for the first time investors as it can be confusing at times. understanding how mutual funds work is the first step in your investment journey.

(1) How do mutual funds work???

A mutual fund is formed when an asset management company (AMC) pools investments from various individual and institutional investors with common investment objectives. A fund manager professionally manages the pooled investment by strategically investing in capital assets to generate maximum returns for the investors. Fund managers are professionals in the field of finance with an excellent track record of managing investments and having an-in-depth understanding of markets.the fund houses charge expense ratio which is the annul maintenance fee to manage investments of individuals.the investors make money through regular dividends/interest and capital gains .they can either choose to reinvest the capital gin via a growth option or earn a steady income by way of a dividend option.

(2) Why should You invest In Mutual Funds??

Investing in mutual funds is a paperless and straight forward process.Investors can monitor the market and make investments as per their requirements. Moreover, switching between funds and portfolio rebalancing helps to keep returns in line with expecttions.

#LOW Initial Investment

You can have a diversified mutual fund portfolio by investing as low as Rs 500 a month.You also have the option to invest either as a lump sum or a systematic investment plan (SIP).however when compared to lumpsum investments ,A SIP is capable of lowering the overall cost of investment while unleashing the power of compouneding.

#Tax-Saving

Section 80c provides tax deductions on specific financial instruments, and mutual fund is one of them .Equity linked savings scheme (ELSS) has become a popular tax- saving option for indians in the last few years,owing to its higher returns and the shortest lock in period of three years.among all section 80c options.

#Professional Fund Management

In mutual funds ,Your money is managed by a professional fund manager who is backed by a team of researchers.the fund manager formulates the investment strategy for Your asset allocation.He/she will have real-time access to the financial environment and adjusts Your mutual fund portfolio accordingly.

(3)Things to consider as a first time investor.

#Fix an Investment goal

Defining your financial goals,budget and tenure plays a significant role in your investments.doing this will help you decide how much you can set aside towards investing and evaluating your risk profile .Investment always works best whom done with a purpose.

#Choose the right fund type…

It takes more than reading about different mutual fund types to decide on the right category .Experts typically recommend a balanced or debt fund for first time investors as it comes with minimal risks while providing higher returns.

#Shortlist and choose one mutual fund..

With a plethora of mutual fund schemes in each category .you need to analyse and compare them to pick the right one.investors should not ignore factors such as the fund managers credentials,expense ratio,portfolio components,and assets under management.

#Diversify Your Portfolio

Consider investing in more than one mutual fund.A portfolio of funds will help you diversify across instruments and investment styles.It will also even out risks.when one fund under performs,the other makes up for the loss without bringing down the worth of your entire portfolio.

#Go for SIPs instead of lump-sum investments..

Investing vir systematics investment plans(SIP) is advisable for those invasting in equity instrument for the first time while a lump-sum investment can put you at the risk of catching a market levels.the benefit of rupee cost avereging that comes with sip also help in earning higher returns over the long term.

#keep kyc documents updated..

You can not invest in a mutual fund.it you have not undergone the know your customer (kyc) process yet.KYC is agovernment regulation for most financial transations in India.To become KYC compliant,You need a pan card and valid address proof.

#Open a net Banking Account…

To invest in mutual funds,You will need to activate internet banking on your bank account.Mutual funds also allow investments to be made through debit carda and cheques, but doing it via net banking is a more straight forward and secure process to make investments..

#Seek advice from a mutual fund expert…

The entire process of investing in a mutual fund detailed above can be tedious and overwhelming.with thousands of mutual funds to choose from, the performance of the funds also has to be monitored well.Get the services of a mutual fund expert or distributor,if You find chiosing the right mutual funds a herculean task..

How to INVEST IN MUTUAL FUNDS??? You can invest in mutual funds in a paperless and hasslefree manner at clear tax.follow these simple steps to start your investment journey right away…. Step (1) Log on to clear tax.in and create an investment account. Step(2) Enter all the requested details. Step(3)Get your e-KYC done the whole process can be completed in 5 minutes. Step(4) Invest in the right mutual fund…

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Every investor wants to make money in stocks, irrespective but one needs to have a good strategy in place to be able to protect one’s money and make handsome returns. Investing in the stock market in simple but not easy.It required passion, patience and discipline.one needs to have a sound understanding of the market and the forces at work and also some bit of research capability….although there is no sure -short formula or one -size-fits-all solution for success in the stock market,there are some broad guidelines, which if followed prudentlys can increase your chances of marking a decent profit.

Do your home work????

If you do not study any company,you have the same success buying stocks as you do in a poker game if you bet without looking at your cards said peter lynch a globally remowed fund manager.he says there are no shortcut to make money in the stock market. It is imperative to do thorough research with a considerable amount of patients.It will be sensible to invest in a considerable amount of patients.It will be sensible to invest in a company which is easy to understand with a sustainable business moat”he said.

Invest in business

An individual should always invest in a business instead of simply looking at the stock price.understanding a business will help one analyse the future prospects of a company and help make better investment decisions. For Ex- warren Buffet’s primary investment philosophy is to invest in business that he understands .he invested around $1 billion in coca -cola in 1998 earning around 10 percent return in next 30 years.

Avoid herd Mentality…

The decision to buy or sell a stock should not depend on what your friends or relative say. An individual should not invest in a particular stock simply because people around him are investing in it. This may not yield good returns and one may end up with heavy losses in the long run.consider the case of the Reliance power Ipo, which had received an over whelming response from retail investors.

Invest with a disciplined approach

It ia always prudent to invest systematically and with patience in the right shares of funds .as the stock market is always volatile , an investor should be ready to absorb calculated risk and decide a necessary course of action like hedging against underlying stocks.

Have a broad portfolio..

By diversifying a portfolio across asset classes,you can help earn optimum returns with minimum risk.the kind and level of diversification can vary from investor to investor and it can help cope up with volatility,something that is part and parcel of stock market. It is always advisible to diversify a portfolio across asset classes,as it can help minimise risks .the extent of diversification would depend on the invester’s preference “said sofat..

Have Realistic Expectations

One should always have realistic assumptions.the equity market tends to deliver returns in spurts.it is known to test investor’s patience all the time.”No asset class can give abnormally high returns for a very long time.unrealistic expectation always lead to wrong decisions.stock market offers opportunity to enter and exit at regular intervals.therefore,it is appropriate to keep some cash, instead of investing all of it.

Invest only surplus fund

An invester should only invest surplus funds,or money she /he doesn’t need in the short to medium term in stocks.since the equity market is valatile,there is always a risk of temporary loss/drawdown. The stock market moves in cycles, and it requires domains expertise and right temperament to understand how a trend changes.

Rigorous Manitoring is must….

Investing in the stock market requires regular tracking of news and company -related events,which may impact the stock price. For Ex-The recent news of increasing the axle load limit of commercial vehicles had a negative impact on the share price of Ashok layland.similarly,good earnings can have a positive impact on stock price.

How to Earn Money from stocks?????

The ways mentioned above can motivate you to start investing in stocks.but the momentum of the market can be very confusing at times,without giving any scope for actionable strategy. Like in the current scenario,the equity benchmark sensex is havering around its lifetime high,but most stocks are in the negative trajectory on a year -to -date basis.. Investing in quality stocks for the long run always works.the BSE sensex has advanced 16 percent annually in last 15 years,whereas shares of companies like symphony, sbi bank and Bajaj finance have delivered annualised returns of over 50 percent during this period. Timely exit is important. Remember a penny saved is a penny earned.if you believe the environment is getting tough for a certain business,you should not shy away from existing your positions. If you do not have the the skills to select the right stock ,then take help of professional investment managers,who are experienced and have a solid track record…

The liver is an important organ of the body that perform a wide range of functions from removing toxins to producing and excreting bile to activating engymes.some other function of the liver include…… Producing essential proteins and cholesterol.

1. Storing of minerals,iron and vitamin(A) .

Destorying old red blood cells. Breaking down and metabolizing alcohal and medications                                                                                   Some signs that indicates a damaged liver include frequent allergies,malnutrition,poor appetite,fatigue,irregular digestion,skin discoloration,acid reflux and heartburns.                       Unhealthy eating habits like consuming junk foods,fried foods,sugary foods and alcohol makes the liver over worked and overloaded.  A liver detox can help in alleviating many of these problems.celebrity nutritionist believes that if you cut down on junks foods along with alcohol and smoking and exercise daily can help  you in cleansing your liver.It is also important to consume whole grains and healthy fats like flax seeds and sunflower seeds in order to have a healthy liver.so here is a list of some habits that you need to incorporate in your daily life to maintain a healthy liver.scroll down to know more about it.                Tumeric is the wonder spice that helps in detoxification of the liver.It helps in boosting enzymes which can flush out dietary toxins from the body.consume half a teaspoon of turmeric with a dash of pepper with a glass of warm water first thing in morning. Avoid suger and other added sugar.  added sugar inhabits your baby’s ability to produce certain enzymes needed in the detoxification process and causes sugar of blood glucose and a large release of insulin. Keep your daily sugar intake at 20/30 grams or lower. Processed foods are packed with preservatives,synthetic ingredients and chemicals that can burden your system,making it progressively harder to function properly.start eliminating processed foods like breakfast cereals,frozen foods and bacon from your diet . According to various health claims avoids booze as it bad for your little liver.Drinking alcohal puts a heavy detoxification burden on your body especially your liver. Luke warm water..this combination works well for detoxifying the liver and eliminating toxins from the body .In a glass of warm water and add the juice of half a lemon to it.mix it well and drink it in the morning. Have 10/12 glasses of warm water daily… Green tea is loaded with plant based antioxidants .which help in eliminating liver fat accumulation and promote liver function. Start consuming 2/3 cups of green tea . everyday to reduce thw risk of fatty liver diseases….