Happiness Matters

  Ami co-ed school e pori. Amr class e 30ta chele 25ta meye. Amra sobai ekirkm benche bose eki sirer class kori. Colleger prothom din bari thke beruchi notun utsaho nie je eto students der beat kore eto valo college chance peyeci. Tokon suni amr ek parar kakima hak pere amr ma k bolce - Meye to college uthe gelo, eibar aste aste bier deka sona suru kore din didi. Odike deklm amri college chance paoa arekti chele jokon bari thke beruchhe tokon take sobai bolce - Ki valo college peyechs baba, ma babar muk ujjol korle. Mone elo - Why so? Pore ami school thke jkn engineering e college jai deki sekane chele 30tai ache, kintu meye matro 12ta. Mone elo - Why so? Campus interview te prothom company tei amr hoe gelo ar sei cheletir holona. Sunlm parar kakima bolce - Company ra meyeder k prefer kore besi. Ki ar krbi baba chesta kore ja. Ar amr jnyo uni ma ke bollen - Eibar dekasona suru kre din didi. Meyer boyos hochhe. Ami masters korbo sune kakimar to gale hat - seki eto valo chakri chere ...

 "If money is the power, then I want it now!" Does this echo your thought? Then please read it till the end. At the end of the day, we all want to have financial stability, specially after Covid Episode when entire economy is disrupted, financial stability is the only thing that we seek for. In my last blog " Where to invest during Covid" I gave an exhaustive list of investment possibilities. Current FD (Fixed Deposit) rate is 5% to 5.4% and average annual inflation rate (1958 to 2021) is 7.29%. What does this mean? This means what we get for Rs 100 now, we would be getting the same quantity at Rs 107 after 1 year, while if we invest Rs 100 now in FD, after one year it would be Rs 105. This means FD is no more an investment now, as you can see we would be losing money if we go for FD. Apart from investing in share markets, you may go for Bond market. The risks are far less in Bond as if a company gets bankrupted, then their shareholders might not get back what they ...

1. Aj saptami, tai ami sari pore zoom call e ofycer meeting attend krchi. Client amk dekhe toh obak. Jiges korlo - Why so decked up? Today is Durga Puja. Oh yes, we have heard about it. Your Autumn festival! It is known as world's largest outdoor art festival. Kotha ta bolar somoe proudly bollm kintu mone mone oder k bolcilm  Nikuchi koreche toder meeting! Esob faltu kotha bondo korto, barite to jete parchina, at least internet e dekte to de pujota! Bari chara ami bohu bochor. Sob probashi bangalir moton amio January mas porlei flight er ticket dekte thaki. Coronar kripae ebochor sesber pat nei, tai nijei banie fellm luchi aloor dom. Client call sarte sarte khachhi ar ki. Luchita thik gol hoeni, kintu tele moida poreche toh, sathe mute kore dhakider dhak bajano dekchi kolkatar pandaler samner - mondo lagchena! Pujo pujo byaparta pachhi jeno. 2. Amr bari Bardhamane, chakri sutre thaki Banglar baire. Jotoi bolina keno bangla ta amr thik asena, sari ta backdated,bochor e pujor ei ding...

The time is difficult for us all. Hence, investing money in the right places is what we need to do to safeguard ourselves from further damage. With interest rates down, now FD is no longer 'the' option for future investment. So, here are few things which we may do with our money if we are lucky enough to have a job till now (during this Covid time, so many people lost their jobs!): 1. If you are a risk-averse person like me, try out the traditional investments like - a.  VPF (Voluntary Provident Fund) - Where you may contribute up to 100% of your basic and DA, with a lock-in period of 5 years and interest rate is same as EPF. b. PPF (Public Provident Fund) - Among the conventional methods, this one has the highest interest rate after PF, however, it is for the long term - 15 years!!!!! c. NPS (National Pension Scheme) - Here you may select the investment percentage more in bond to safeguard your money. However the flip side is you have to buy an annuity on maturity, you won...