Author: The Metrognome

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Unlock the Power of Manifestation: A Life-Changing Approach to Achieving Your Dreams

The Science Behind Manifestation: Understanding the Law of Attraction

The key to unlocking your dreams lies in understanding the power of manifestation. The Law of Attraction is a fundamental principle that governs our lives, and by harnessing its incredible force, you can transform your wildest aspirations into tangible reality.

What is manifestation?

At the core of manifestation is the idea that our thoughts, emotions, and beliefs have the ability to shape our experiences and the world around us. When you focus your mind on what you truly desire, you create a magnetic force that draws those very things into your life. It’s a profound concept that has the power to revolutionize the way you approach goal-setting and personal growth.

By aligning your thoughts, feelings, and actions with your deepest desires, you can manifest the life you’ve always dreamed of. Whether it’s a fulfilling career, a loving relationship, or financial abundance, the power of manifestation can help you overcome obstacles and achieve remarkable success. Embrace this life-changing approach, and unlock the boundless potential that lies within you.

How to practice it

  • Start by visualising your goals with crystal clarity, engaging all your senses to make your dreams feel tangible and real.
  • Practice daily affirmations that reinforce your beliefs and boost your confidence.
  • Take inspired action towards your objectives, no matter how small the steps may seem.
  • Trust in the process and remain open to unexpected opportunities that may arise. Remember, the universe responds to your energy and intentions.
  • Cultivate gratitude for what you already have, as this positive mindset attracts more abundance into your life.
  • Surround yourself with supportive individuals who believe in your vision and encourage your growth.
  • Release any limiting beliefs or negative self-talk that may be holding you back from reaching your full potential.

As you consistently apply these principles, you’ll notice synchronicities and positive changes unfolding in your life. Embrace these signs as confirmation that you’re on the right path. Stay committed to your journey of self-discovery and manifestation, and watch as your dreams transform into reality before your very eyes.

Is it for you?

The power of manifestation holds the key to unlocking your dreams and transforming your aspirations into tangible reality. By harnessing the Law of Attraction and aligning your thoughts, emotions, and beliefs with your deepest desires, you can create a magnetic force that draws the life you’ve always envisioned. Embrace this life-changing approach, cultivate gratitude, and take inspired action towards your objectives. As you consistently apply the principles of manifestation, you’ll witness synchronicities and positive changes unfolding in your life, ultimately leading you to the fulfillment of your dreams.

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Kharcha paani

Be your best money manager for 2024

We’ve got easy personal finance tips and some budget app tips to end year 2024 better than it started.

by Mr Paisa Vasool

At the beginning of this year, you had the highest hopes of yourself. You were going to get that promotion this year with sheer hard work – or change jobs – go on an international trip, invest in a good bunch of stocks, and manage your money much better than you normally do. Indeed, you may even have achieved the other goals already. But can you say you’ve been the best money manager for your money?

There’s still time for some course correction. Here’s what I would do if I wanted to become my best money manager for 2024:

#1 Do not buy bank-recommended financial products. If you already have, try and get out of them by either redeeming them or reducing their term by converting into a better product.

Sure, your relationship manager at your bank is your best friend, and they recommended ULIP and guaranteed returns plans which were supposed to be the best thing since sliced bread. But, they really are not. Most bank-recommended financial products are pitched with the sole purpose of making employee targets for the year. They might not necessarily give you the high returns you expect.

Redeem the policy or product if you can. You might not make much money with this approach, but at least you can get your invested sum back. If not able to redeem, check if it can be converted to another plan with better returns. If nothing is possible, you will have to sit with the product till it matures.

#2 Pay yourself first every month.

High unemployment and upward-creeping inflation notwithstanding, it is not impossible to save money every month. If you’ve been unable to save much money this year after juggling all your expenses, here’s what you’re probably doing wrong – you’re trying to save money after you’ve handled expenses. Flip the system on its head. Set aside savings – whether by debiting X amount from your salary account to your savings account by debit, or by auto-debit in a monthly scheme (after talking to your accountant) – the moment you get paid. This way, you will save money while it is still in your hands, instead of trying to save at the end of the month. Personally, I deposit Rs 5,000 in a PPF account and put away Rs 10,000 in a savings scheme in the first week of every month.

Go online to find and compare the best budget apps that can help you track your savings and keep you motivated to stay the course every month.

#3 Invest in a bunch of high performing stocks.

Equity schemes show faster growth than debt funds, but they also have higher risk – so you should stay invested longer to even out the risk. Myriad stock options and funds in the market can help you with your short- and long-term goals, your risk appetite, your vision for your future and your current holdings. Sit down with a good money manager to take an impartial look at your finances today, and do necessary course correction every month till December 2024 to see some magic unfold. Understand the tax implications of each instrument before you invest.

You can log on to investment apps or budget apps that aggregate the best stocks for the week and put in your money as per their recommendation.

#4) Curb all unnecessary expenses – NOW.

I don’t mean you should never step out for a meal or stamp out the desire to shop online once in a while. But are you spending on things you don’t need, as opposed to things you might? Here’s how you divide your expense chart, in 3 categories:

Want Need Love

Of these, save towards ‘Love’, which is most likely a splurge buy, and spend on ‘Need’. You might not really need or love the products that fall under ‘Want’. Take your pick accordingly.

Do you have any smart money manager tips to share? Let us know in the comments below.

(Picture courtesy https://www.thebalancemoney.com/save-money-every-day-453945)

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Eat

How to lose weight with tea

green tea

We found an excellent weight loss tea recipe that we’re sharing with you. Caution: It’s not magic.

by The Wellness Enthusiast

Everybody loves tea, but not everyone is fond of green tea or herbal tea. In recent years, there has been a fair increase in the numbers of people choosing to have herbal tea for better health. The market has a diverse range of teas for a variety of purposes: better sleep, increased focus, pain relief, and even weight loss.

This last one got our attention. Is it really possible to lose weight by drinking tea? How does it work, if at all? Is it for everybody?

What kind of tea is this?

It’s a tea made by steeping fennel seeds, carom seeds, coriander seeds and some turmeric in hot water. It is to be consumed before bed time. Apparently, the tea works to reduce your weight and burn fat while you sleep. Let us tell you that we found this recipe online and it is not our own discovery. If this recipe belongs to you, please write to us here.

Does it work?

The jury is out on this one, but it is generally understood that no food or beverage ever burns fat directly. The weight loss process is a combination of regular exercise, healthy food intake, good sleep, low stress and rapid metabolism. The tea mentioned above may not show results if you only drink the tea and do not follow a healthy lifestyle. It works by normalising your digestion and increasing your metabolism. This, combined with exercise, increases the chances of weight loss.

How to make it?

Boil one cup of water and pour it over 1 teaspoon of carom, coriander and fennel seeds. Add 1/4 teaspoon of turmeric to this, and warm it on a low flame for five minutes. Allow it to steep for 15 minutes before drinking. Have it before bed time.

You should have it for a few months before you see results. Consistency, with regular exercise and nutritious food, will help you lose weight over time. Please consult your doctor before taking this tea if you are on medication for any pre-existing health conditions.

Want more weightloss tea recipes?

Get various weightloss tea recipes here and here.

(Picture courtesy https://www.gaiagoodhealth.com/what-is-the-best-time-to-consume-green-tea/)

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Kharcha paani

The latest online scam: Get paid for Google reviews

You start with ‘easy’ tasks like ‘Google reviews’ but it gets murky pretty fast. Read on.

by Vrushali Lad | @msvrushalilad

If you’re like me – self-employed, always looking for a side hustle – chances are that you’re trawling the web for part-time work opportunities. In my spare time, I look for writing opportunities online, check LinkedIn for projects, ask around for work, take a break to sigh at my bank balance…then start the process all over again.

All of this is well and good, but do know that you’re being watched. And this is where this gets weird – you soon begin to get messages inviting you to join ‘Safe, 100% returns’ opportunities that require only a few hours of your time every day. All you have to do is ‘fill out surveys’ or ‘write online reviews’.

So far, so good. I got yet another WhatsApp message recently telling me to join a community of online reviewers and get paid Rs 50 per online review. Digging further, I learnt all I had to do was follow a link that the ‘company’ sent me, give a rating between 3 and 5, and a one- or two-line ‘Google review’ of the hotel or restaurant (please note: these hotels and restaurants do exist. You don’t have to have visited them, but your review is duly noted on Google. There are legit agencies hired to do precisely this to increase ratings for their clients – in this case, hotels and restaurants).

I was expected to join a Telegram group where a ‘receptionist’ would allot the Google review links. Once I completed three tasks, I had to notify her on the chat and get Rs 150 credited to my account in under five minutes.

Completely mystified but also because I’m nosy, I did the three tasks. Lo and behold, I was paid Rs 150 from somebody’s UPI ID. Not from a company account, but a private UPI ID belonging to an ’employee’ of the ‘digital company’.

This is so weird, I mused, and then came the first of the clinchers. So this reviewing business goes on all day. The more you complete, the more you earn – BUT…

  • After every three such ‘tasks’, comes a ‘shared economy’ task. What this means is, you pay the company a certain sum of money (Rs 2000 if you are a newcomer) and this can go up to Rs 1,50,000. Then a guide is assigned to each such person, and they tell you what to do. Once this task is complete, if you have invested Rs 2,000, you get Rs 2,800 back in UNDER 10 MINUTES.
  • Since the process is fully transparent – the ‘receptionist’ was at great pains to keep telling me this while I tried to probe this thing further – you can invest any sum and get a handsome commission in under 10 minutes of completing your task. On the Telegram group, I saw some others who invested Rs 50,000 and shared screenshots of getting Rs 65,000 back. That’s Rs 15,000 in commission. Suppose you do this same thing four times a day, you’re effectively using the same Rs 50,000 over and over to earn Rs 60,000 in one day. Oh, if you ‘invest’ Rs 1,00,000, you get Rs 50,000 as commission. You do the math, my head is spinning.
  • The ‘receptionist’ wouldn’t tell me further till I invested Rs 2000. I pondered about this for a full 10 minutes, then thought, ‘Let’s do this’. I was sent yet another UPI ID to pay the Rs 2,000, and await instructions. Next, a ‘guide’ messaged me on Telegram and gave me instructions on what to do.
  • I was logged in to a bitcoin platform. It was the first time I ever saw it; I still don’t know what bitcoins are and how they are currency in the first place. As instructed, I followed some steps, input my email ID, and logged out. The guide gave me a ‘billing token’. I presented this to the receptionist, and 15 minutes later, I received Rs 2,800 in my account. That’s Rs 800 in earnings. Job over.

What if I refused to do the so-called shared economy task? I was told that my payment for doing the restaurant Google reviews would be cut from Rs 50 to Rs 20. If you’re sufficiently desperate, you’ll do as they say. If you participate in the ‘shared economy’ task, your commission for posting Google reviews increases from Rs 50 to Rs 100 per review.

After this, I shut this thing down. Blocked all the Telegram numbers and didn’t return.

What’s going on, really? My accountant explained thus: What happens is, you win your commission a few times, and are emboldened to invest larger and larger sums. You started with Rs 2,000. Next, you’ll put in Rs 5,000. Soon, you’re throwing in Rs 50,000 or more. But here’s how you’re setting yourself up for a world of trouble:

  • These commissions are landing in your bank account. Good luck explaining why and how multiple deposits are being made to you from different sources daily.
  • When you are one of the ‘regulars’, you are no longer simply being registered on the portal. Soon, you’re being asked for more information. Your savings account number. Your PAN/Aadhar details. If the investment is sufficiently large, the scammer tells you that Government of India regulations make it mandatory to enter GSTN or other important financial details like PAN.
  • You see where this is going? Your data is being mined while you are busy ‘earning’ through this entirely dubious channel. After a few days of this, you are no longer allowed to invest sums lower than Rs 75,000. And while you tell yourself ‘So what, at least my money is coming back to me and I’m earning a profit’, next comes the big one: there comes a day when the entire operation suddenly and silently closes down. Your money has vanished, and so has the ‘digital company’. The Telegram group suddenly doesn’t exist, you have been blocked so you cannot correspond with the receptionist or anyone else, you cannot log in to the bitcoin platform (because you were not logging on yourself, your ‘guide’ was doing that for you) and it seems like the whole thing existed entirely in your imagination.
  • You cannot do anything about it, and you’re probably too ashamed to report it. You’re the dumb one who fell for it. Talk about gaslighting.

What lessons do we learn from this?

  • There is no financial entity paying interest as high as this. The maximum that NBFCs and mutual funds can do for you is 10%. Any person or institution offering 30%, 40% or higher ‘earnings’ is simply up to tricks. Stay away.
  • No legit company pays via individual UPI IDs. It’s always through a company bank account.
  • The only thing to do when you receive such messages on your phone or email, is to block and report them. Nobody pays total strangers on the Internet large sums of money, unless they’re looking to extract a huge chunk in return.

Has this happened to you? I’d love to hear about your experiences in the comments below.

(Picture credit: https://mediatrust.com/wp-content/uploads/2022/05/Image-Scams-header-1200×680-1.jpg)

Categories
Do

How not to rape

The women never needed to be told what to do. It’s the men.

by A Woman in Despair

One more horrifying rape (this time from Kolkata) of a young doctor. Inside her workplace. While she was on duty. She was set upon by multiple men, raped, killed, mutilated. Her parents were told she had committed suicide. That made it even worse – that the administration decided to cover up the matter.

As expected, the usual creeps came out of the woodwork. ‘Why was she alone after dark? What was she wearing? Could this really have happened, seems impossible.’ Another hospital in Assam issued an ‘advisory’ for its women staff – with the usual tips on how to behave, conduct themselves, correct attire, not invite any trouble from any man in the vicinity.

Where is the handbook for men? It seems women are always told what to do to keep themselves safe, but who will teach the men not to inflict this level of pain and harassment for absolutely no reason? Since such a handbook/list doesn’t exist, I thought I should create one:

The definitive list on ‘How not to rape’

  1. Keep your penis inside your pants at all times. You will know when it is time to whip it out, and that happens only if the woman tells you she wants it.
  2. Women are not objects to take advantage of because you: were bored/wanting to prove your masculinity/cannot tell the difference between consent and force/are not society’s appointed moral guardian who deems it fit to ‘punish’ a woman for something she did to offend you or your moral values/cannot think of anything else but lewd or harassing behaviour to ‘put a woman in her place’.
  3. A woman could be out in a burqa, or a tank top and hot pants, or even completely naked. Avert your eyes and keep walking. She is not yours to partake of. No woman is. She is dressed in a way that seems okay to her, just as you are.
  4. Stay at home if your penis cannot remain in the relaxed position on seeing a woman. You have no right to flash your thing around to make a woman uncomfortable or try and subdue her with it.
  5. A woman at a pub is there for the same reason as you – to have a few drinks and a good time alone or with friends. Her intent is not for you to think about. You ignore other men drinking and laughing with friends – ignore her, too.
  6. It is not for you to wonder why a woman is out alone on the streets or inside her workplace or anywhere else at night. Why are you out, leering at girls?
  7. If the only thing you think about when you see a woman is her body and how she would feel if you were inside her, consider having more thoughts on your head on other subjects? You clearly need the education and diversion.
  8. Only a complete and utter coward descends on a woman with a gang of friends. It’s the oldest rule in the book: equal numbers, or no fight. If you and your friends share a gangrape mentality, please find the nearest train tracks and go lie on them.
  9. If your response to seeing a woman being catcalled/groped/molested/raped is to walk away quickly or worse, stand around and film it or in short, do nothing to stop it, then too you need to find the aforementioned train tracks. You are guilty of abetment, even if you cannot be immediately caught and made accountable.
  10. Don’t get married if you think women should: never defend themselves/want to have a career/not be interested in sex/not have a say in how they dress or run their lives. Just because you are married to her does not give you the right to rape her – and you will rape her, because there will be times when she will be so put off by the kind of pig you are, that she will refuse sex and you will find it in you to punish her for it.

(Picture courtesy https://www.ippf.org/node/5431)

Categories
Places

Want to travel soon? Take a travel loan

Want to travel soon? Get this loan to help you

The travel restrictions that were imposed worldwide during COVID-19 are now a thing of the past. Buys work schedules aside, nothing really stops you from travelling and satisfying the wanderer in your soul. Nothing, that is, apart from some shortage of ready cash! But if your travel plans are hampered by a lack of finances, we suggest you get a travel loan to get started on your next dream holiday.

Travel is important, but expensive…

There is no disputing the fact that travel broadens one’s horizons. Visiting new places, experiencing new cultures and food, interacting with local residents and learning their ways of life, all enrich your understanding of the world. You may go on a solo trip or with your family, but travel always benefits the person who goes seeking new experiences. And it works like a drug – once you’ve caught the travel bug, you want to travel again and again!

But as wonderful as it is, it is also expensive. Flight or train tickets, hotel bookings, sightseeing tours, eating out and shopping, all cost a lot of money. It does not do to plan a trip while being strapped for cash – you end up not enjoying the sojourn as much as you would like because you are constantly thinking about how much money you are spending. On the other hand, having extra cash on hand helps you get more novel experiences without thinking twice about the money. However, you cannot exert additional pressure on your income to fund travel trips.

Here’s the solution: take a travel loan

If you have never borrowed money to travel or buy expensive things, you might be hesitant about doing so. However, you might be interested to know that a lot of people regularly borrow travel loans, a.k.a. personal loans, to fund their various travel jaunts. The personal loan pays for tickets, bookings, visas and inter-city tours, based on the amount you can borrow from the lending institution.

Here’s why you should consider getting an instant personal loan to pay for your next trip:

  • It is processed quickly, especially if you apply using a reputed loan app. The money is disbursed in a few hours, so you can plan the trip the way you like
  • The best loan apps in India offer up to Rs 5 lakh loan based on your loan eligibility. This is a sizeable amount that can fund the foreign trip of your dreams
  • You need not pay from your savings or disturb your income to fund the trip. The personal loan pays for it all
  • The lending app does not ask why you need the money or for details on how you wish to spend it. You can use the money the way you want. It is sanctioned in a lump sum amount in your account, so you can start shopping for the trip, applying for a visa, buying flight tickets, making hotel bookings, etc.
  • Since the personal loan has a shorter tenure than other loans, you can repay it in full in a few months and be debt free much faster
  • If you are going abroad, the Consulate will like to see your financial statements when you apply for the visa. Having the large infusion of cash in your account is a positive sign and the visa has a higher chance of being approved

How to get the instant personal loan for travel

Start by downloading the best loan app and set it up as directed. Creating your profile on the app registers you as a potential customer and the app can also check your credit score and other particulars. When you apply for the loan, the app asks you to submit documents (these are listed on the app) so that the application may move forward.

  • You can self-attest the documents and keep them ready for pick-up from your home. The app checks the documents, verifies your credit worthiness and loan eligibility, and notifies you of how much loan amount you can get. The best loan apps in India sanction personal loans without salary slips and bank statements, which helps immensely during an emergency
  • Once the loan application is approved, the money is disbursed to your account. You can withdraw it and start planning your trip.
  • Repay the loan in simple EMIs as per the tenure.

(Featured image courtesy https://nextvacay.com/why-traveling-is-important)

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