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Where to invest during Covid?

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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...

Lockdown Story - Dating

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 Krishanur ping deke Mayurakkir anondo dorena. Sei kobe theke tinder e cheleta k follow krce, eto mas pore cheleta sudu je or request accept korece tai na, ok dateo dakche. Mayurakki to bondhu mohole wats app gruper madyame khoborta panchkan korlo. Etto handsome chele jodi date dake sei khoborta ki chepe raka jae. Nana bondur nanan advice - kon dress porbe, kivabe sajbe ityadi ityadi. Oneke je hingse korcena erkmo na. Mayurakki seta bes upovog korce, hingse na korle ar sobai k janie moja ta ki kre hbe. Joluk ora - Mayurakki vabe. Jak ge seje guje seto gelo Krishanur bari, coronar jnyo baire ar kthae jbe, tai baritei dekeche. Mayurakki vabe valoi holo, ei sujoge or ma babar sathe alap tao sara jbe. Doorbell bajatei sathe sathe dorja kullo, jeno odhir agrohe opekka krcilo. Jothakrome golpo suru hlo, onk interest nie Mayur er byapare khutinati prosno krlo Krish. Olpokkoner modyaei kokn je ora oder valo nam chere eke opor k Mayur ar Krish ble dakte laglo seta nijerai keyal krlona. Dinn...

Motherhood - Part 2

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Dear Readers, During pregnancy, we didnt stop going out on dates. Mental happiness of the mother is the most important for a healthy baby. We focussed on that mainly.  We went out to movie dates mostly as eating out was limited option for me.Once we booked a 4d movie and when we reached there came to know that pregnant women are not allowed in a 4d hall. Phew!!! This is what happens when you are young and excited parents! I remember in my 3rd trimester once we went to Pizza Hut to satiate my pizza craving, found a couple whispering at my baby bump and yes from their expression you could clearly guess that they were wondering how come I went out with that huge baby bump of mine! I felt amused. This might be because with age I have become immune to "log kya kehenge" - I have learnt to ignore what people think. This has helped me a lot in staying positive and also in my self growth and happiness. Whenever my baby moved inside me or responded to my touch I felt happy and good tha...

Motherhood - Part 1

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Dear Readers, "Motherhood is a different ballgame altogether!" Whenever my mother watsapps me or calls me, she asks - Did you eat? Probably this is the universal question of all mothers. And like all other children I get irritated by this question. I used to wonder all these years why is she after my food intake. Another equally irritating behaviour of her is hypertension. Now that I stay miles apart from her, phone and wats app are the medium of contact. If I do not answer her calls or if the last seen of my wats app is several hours ago she starts panicking. I wonder why is she like this when it comes to me. Because otherwise she is a very cool headed person. Ironically today I am equally uncool, hypertensed, all time freaking out mother just like my own Mom who's only motive in life is to feed her daughter properly and who always finds her daughter to be thin each time she sees her! Lol! I am aware that I have this problem but I dont wanna solve it. Strange?! Isnt it? ...

Pregnancy - Overhyped

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Dear Diary, "Pregnancy is over hyped but motherhood is not" By the word "over hyped" I mean once you are pregnant so much thought and panic is created by the people around you that at the end of the day you also tend to think only about pregnancy all the day. Thankfully, I didnt indulge myself in this overthinking process. For me pregnancy for a woman is a natural process just like physical changes for a girl when she enters her teenage life. So, I continued the normal activities in my entire pregnancy period starting from doing all household chores to attending office physically. Since covid episode and lock-down started in my 3rd trimester and there was no maid in the house, I did clean utensils and did cook. In pregnancy you are not supposed to lift heavy weight or bend and pick things from floor - I followed these. The thing which kept me physically active till my delivery time was exercise and walk- every day I used to walk (of course slow walk) for 1hour and I...

Lockdown story - Sadhinota

Hello Maa. Hello bol kmn achs? Valo aci. Tomar bazar esce to online theke? Ha esece. Tor baba ki krche? Ei to ekanei ace. Phone speaker ace kotha bolo. Hago tumi keyecho? Ha keyechi. Tumi ekn bazar dorona jeno. Na dorini. Dorjar kache roeche. Ha ekn thak 24 ghonta. Kal nun jole dubie rode sukie tule reko. Achha sei valo. Tumi mone kore tomar osud gulo kheo. Ha khabo. Ei deko Bouma ki bolbe. Ha Bouma bolo. Maa, bolcilm je tomar hater muri ghonto ta ki sundor hoe, tomar chele khabe bolcilo. Lockdown kobe je kulbe. Tumi barite eka atke porle ar amra sobai ekane. Sei to. Amaro ki mon ta kharap lagche Babu. Kobe je toder dekte pabo. Tomake bollm video call ta sikie dicchi phone, tumito bolle parbena. Ami ki osob pari re, sekele manus. Oto bujte parbona. Achha Maa recipie ta patio to muri ghontor. Ha patachhi. Amr diary te lekha ache. Chobi tule patachhi phone ta reke. Ok. Sabdane theko. Dorkar lagle phone koro. Ha re Babu. Torao valo thakis. Keye nis time moton. Phone ta reke ekta sostir ni...

Conceived

Dear Diary, This is Dec 2019. Just now I saw my anomaly scan report. I not only have completed 20weeks of pregnancy but also have a good news, the anomaly report looks fine. Never have I ever waited so eagerly for the result of my medical reports. Exactly 1 year before I lost my first baby. On Dec 2018 I had miscarriage. The reason - the foetus stopped growing, only the sac inside which the foetus stays was growing. This is what medical report says. But for a mother that was not just a foetus but her child. When doctor showed me my child on the screen while conducting the anomaly scan my eyes became wet. Each time my usg happened and I saw my baby growing inside me tears used to come out- tears of happiness. Now I realise why mothers are so sensitive towards their children and from where do their tears come. A baby is not only the dearest one for a mother but the baby is a part of her body. For the ones who do not know, anomaly scan is done at 20th week of pregnancy to check if there i...