DINK couples what they face and their problems

DINK couples what they face and their problems... 

Who are DINK couple and what are the problems related to them? 
The meaning of DINK Couple is "Double Income No Kids". 

In today's fast moving life people are getting busy day by day struggling to maintain daily work and personal life balance resulting in complications and reducing the family planning chances. This has given birth to a new terminology known as DINK couples, It's not that DINK couple were never there, they existed form long time in some or other manner, It's only that they have been named and accepted in the society as a person of different thinking now, 

Double Income No Kids: DINK couple why do people become DINK couple?

Some are by choice but many are there just because of there daily lifestyle.

Some advantages:

* Disposable Income: DINK couple normally gets more disposable income that couple with kids, This is used to fulfil different plans or targets like travel, own home etc. This gives a sense of freedom to live life as they want.

* Lessens Responsibilities: Daily responsibility is less as compare to others because of more disposable income and less dependent to spend on. 


Some problems and challenges faced by them.

* Work and Life Balance: The life in today's competitive world is such that when you return home you are left with no mental or physical strength for anything else, Speciality, when both are working the daily life is affected on a very large scale.

The demand in office/work life is so much that after returning from the office we are still stuck thinking about the pending work or work to be completed tomorrow, This affects our personal life creating more stress and reducing the fertility/ chances of getting pregnant.

* Technology interference: Technology reduce the distance but its also vice versa, Nowadays because of technology the distance between people has reduced but because of the same technology the distance between relationships has increased, People have started to live more in digital life than practical life. This has taken off a lot of time and mental energy from the lives of the real couples. Extensive use of electronic items like mobile, tablets and laptop also increase the stress level of a person.

* Friends and Relative Questions: As time passes questions and different kind of suggestion from friends and relative start to grow, creating more pressure and frustration in their lives. 

* Goals and Target: Many couples postponed the family planning in their initial life stage as they have different goals that they want to achieve before taking the responsibility, Some want to be financially stable, some want to enjoy their lives, others have some other targets, 

We are not saying that it's not good to be ambitious but some times it backfires as the time passes,

things get complicated due to age or due to incorrect measures taken to avoid getting pregnant in early ages like pills etc resulting in the rise of conceiving problems.

Things could differ from person to person but at the end of the day, they keep a lot within them as many time it's very difficult for them to explain what they are going through in their daily life.

Some more definition from Wikipedia"DINK" is an acronym that stands for "double income, no kids". It describes a childless or childfree couple where both partners receive an income. The term was coined in the 1980s at the height of yuppie culture.

"DINKER" means "dual (or double) income & no kids, early retirement".

"DINKY" means "double income, no kids yet". A British radio sitcom "Double Income, No Kids Yet" bore that name.

"GINK" means "green inclinations, no kids", referring those who choose not to have children for environmental reasons.

Note: This article is just to bring up the challenges and the problems that are faced by the people and does not mean to hurt anyone's feelings, we respect the decision, situation, feelings of such couples, and appreciate them for the strong bond of understanding and love between them.

Kindly let us know what do you think about this article in the comment section.

Till then Thank You and we will come up with more such topics in coming posts...

Top 10 Health-related Mistakes.

Top 10 Health-related Mistakes...

In today’s life we are too busy to think about anything and resulting in being casual about our health, here are top 10 health-related mistakes that we tend to do without realizing or just be ignorant about it, 

 1. No Workout:  First and the most important mistake according to us is not giving time to your body requirements, yes body required many things to maintain itself,

You might look perfectly healthy from outside but everything changes with age and time, you need to have a workout plan to maintain yourself, it could be anything that you choose from as per your requirements.
Yoga, Exercise or daily walk do what you like but do it regularly to maintain and to be healthy, Exercising/practising daily Yoga/Swiming/Dancing etc will give better results than putting more time twice or thries in a week.

2. Not having breakfast: Skipping or Not having breakfast is again a very big mistake that we tend to do,
Breakfast is very important and skipping breakfast can and will result in various health-related issues later-on, actually one should have heavy breakfast, followed by moderate lunch and light dinner.

3. Not enough Water: Human body is made up of a large amount of water, drinking water is a basic requirement for maintaining health, 2-3 litres of water can help to keep your stomach clean and maintain good health.

4. Maintaining Bones: Normally people tend to ignore their bone health,

yes, it is equally important to maintain their health as well if our calcium intake is low body take the daily requirement of calcium from bones resulting in making them weak, light and creating pores in them.
If not take care this can have adverse effects on future, special in old ages.

5. Eating patterns:  Eating pattern would differ according to your current requirements but as discussed earlier in breakfast point the amount of intake should be maintained.
Kindly consider your height, weight and then decide on your diet plans. It's always advisable to get you diet plans from a dietician instead of just searching it on the internet and deciding yourself.


6. Putting Weight On: Putting weight beyond a certain height to body ratio is not a healthy sign, Obesity or in simple words, extra belly fat is a common problem nowadays. Normally once this fat is formed it's not easy to get rid of it and it takes a lot of time and regular exercise with control diet to get back in shape, So if you are still lucky to be in shape it's always advisable to maintain yourself.

7. Passive smoking: Even if you are not a smoker, by passive smoking you can still harm yourself. If you normally go out with friends on smoke breaks,

when they smoke they are doing active smoking but when you inhale the smoke standing beside them you are knowingly or unknowingly involved in passive smoking which is more dangerous.

8. Heavy Backpack: Carrying a heavy backpack daily to the office can result in back, neck and shoulder problems, the effect is sometimes slow but can come up later as a permanent problem, Its always advisable to keep your luggage as light as possible.

9. In regular or not enough sleep: Irregular on less sleeping hours can result in stress and heart problems, Body is not a machine and we need to maintain all the regular supplies to it including rest breaks. Make sure to get manage your time of going to bed every day. Similar way oversleeping also creates health-related issues. It's normally recommended between 7-9 hrs of daily sleep.

10. Too much of worrying: In our daily life we tend to carry our workload tension home and home issues to our workplace mixing the problems and adding to it, this only makes things worse, try and keep them separate also try not to get involved in thinking about any problem so much that it hampers your daily life and sleep, as this can create issue related to health.

• Do share this with people you care just to make them aware and keep them healthy.
• This article is just for awareness and not for any kind of medical suggestion, It's always advisable to get you diet plans from a dietician.

Second Income and it's different sources.

Source Of Second Income...

What is second Income and why is it important to have a second income even if you are working somewhere or running your own business.

So when someone talks about second income it is nothing but the extra income that they have or that they are planning for apart from the regular money that they make in their day to day life,

So what is the source for second income, OK let us divide it into two basic legal sources, available,

1. Income from Investments.
2. Income from Business, Services or content selling etc. 

But before we actually decide where to start from, ask yourself some questions,

*  Understand your point of interest, talent, knowledge, an advantage that you have over other people around you, Things that you know and that can be taught to other people or can be sold as a service on demand, e.g. Yoga training, Photography for different occasions, Cooking/baking etc, It could be anything and everything that can get you some extra bucks. which then can turn into a substantial amount.
*  Understanding if you can do something relating to what you have in you.
*  Know your limits and time constraints.
*  Plan how to spread the words for your startup latter.

You don't need to worry if you don't have that extra skills to sell, Most people don't have that and there is always something for everyone.

So lets go step by step and understand both the types of Income source, in short, Why short because there are no limits to the kind of business that we can do, Apart from some of the examples that we are going to share there would be many more remaining examples that cannot be covered in one article but will make sure this article covers the basic idea behind all of them,

Income from investments is nothing but making your money work for you.

Yes, there a term "Money attracts more money" How that depends on where we invest.

Investment is a very big market, you don't have to be pro to invest but its always good to have basic knowledge on the type of investment you choose before you actually start investing,

1). Income from Investments:

This, of course, would require money with you to start investing and making profits out of it, These are any way offered to you by many investment related companies and other sources. Investments could start as low as 200 to 500 and go up to your capability to pay.

• Bank Deposits or Fix deposits: These are a primitive type of investment that people use to generate a certain amount of income, The returns are normally very low, but secured and fixed.
• Returns from Investments in Insurance: Insurance is normally a long term investment planning, The returns normally start reflecting after, 5,10,15+ years as per the policy, As insurance is high revenue generating product for the insurance companies the advisor normally tend to hide the facts and show us just the rosy picture, So try and calculate the actual return rate of interest that you would earn in the long term and also the actual value of  money at that time when you start getting the returns.
• Stock or investment in the market: Before we start investing in the stocks or any related products, We really need to understand at least the basic on its working pattern and then decide which one of that do we need to invest in. There are options within them were they categorized themselves on the basis of risk we are ready to take with our investments, It is normally considered as more the risk more are the returns on investments, In simple words Investments in the direct equity market is more when the risk is higher, and the per cent of Investments in different types of bonds are more when the risk appetite is low. They are normally categorized under following types however investor can lower their risk with a good product mix of them.

• Stocks
• Different types of Bonds
• Mutual Funds/Systematic investment plans(SIP)
• Public Provident Funds(PPF) and National Pension System(NPS): PPF and NPS is one of the most popular investment option preferred by Indians,   
• Public Provident Funds(PPF): Is under Sovereign guarantee with 80C benefits and loan and partial withdrawal options available under it.
• National Pension System(NPS): NPS offers you the option to create a pension option after retirement, Investment in NPS mature at the age of 60, this also can be claimed under section 80C up to 1.5 lakhs with an additional Rs. 50000 under section 80CCD(1B). 
• Real Estate and investment in Gold: This is again a primitive kind of investment, keeping in mind good returns in long term, Though the returns can be good, as encashing them is not that easy, Especially for Real Estate.
• Investementent in Partnership business: Investments in Partnership business with someone is also an option for second income but required proper decision making and attention before investing and it's dependent on the other person performance and capability what kind of returns you will get.

Income from Businesses / services is when you trade with others in exchange of value, goods or services.

2. Income from Business, Services or content selling etc:  
Income from business/services is basically when we sell goods or services in exchange for value, goods or services. In this, we will not discuss all the regular business that we see in our day to day life as that requires full-time dedication and we are looking for something that we can build as a second income, and also the full-time business is something that will demand you to leave your office or current business, So the whole concept of building second income is not served.

For extra Income, we can look for some modern way of earning money,

1. Writing: If you are good at writing, try writing articles for Money in newspaper /Magazine, Kindle E-book is something where you can write and publish an ebook for millions of users and earn a royalty on sales across the world.
2. Digital/Online Earnings: Start your Youtube channel or start your Social media page on Facebook, Instagram or Snapchat etc, with the topic that can attract the interest of others.
3. Use Skills that you have: Start Tutor in free time, online Tutoring or start Yoga classes, If you go out for jogging in some parks or beaches you can try and collect some group of people to teach them Yoga/ Stretching exercise etc.
4. Start Blogging: Blogging in free time create online income just like youtube or social media pages.
5. Affiliate Marketing: This is again related to blogging, Youtube promotion or social media promotion this can add income to your kitty. 
6. Rent out: Rent out an extra room directly or on Airbnb.
7. Work from Home: Options like data entry or selling some products like cosmetic, Yoga training, Photography for different occasions, Cooking/baking etc are available under work from home option 
8. Multi-level Marketing (MLM): There are some genuine MLM company but be very careful before choosing whom to work with, understand if you would be comfortable working in that module as it is not for everyone.
9. Sell Photos: Online there are many websites available where they accept the pictures so if you have the passion for photography you can earn by submitting your work and if they find the pictures worth then you can get paid for it.
10. Web designing or App making for Mobile: This requires specific technical knowledge to be a web designer or an app maker but if you are from the same background this can get you a good amount of money.

Always remember any business will work only if you study about it completely and understand all its advantage disadvantage, limitations and threat's involved in it. Also one needs to be observing and understanding the opportunity available around us. A new idea is a bigger opportunity if executed properly.

We have just given you the different types of opportunity, in short, do study more on the topic you select before working on it,

Hope this article is useful for you, kindly let us know what do you think about it. also if any queries or question do write to us or comment below,

You can also share the link for this article with someone you are planning to start your business with or have a suggestion from.

Thank You.

Importance of buying Made In India Products.

Importance of buying Made In India Products. 

Why do we need to buy Indian Brands or Made in India Products and also on how it affects us and the generations to come,

Yes, you heard it right, what we buy today will affect our generations to come.

How ???

Just read this completely and if you agree, Kindly share the links this will motivate us to do better work in future,

OK, lets come back on the topic,

When we buy something that is made outside our country/Imported from another country we are actually reducing the employment chances for generations to come. 

This is how it happens,

For E.g. If you buy a pen worth Rs. 20 which is Made in China, 

This pen must have been imported by some wholesaler or some pen manufacturer in India, who are not able to either match the cost or the quality of the pen that they want to sell.

Suppose out of Rs. 20, Rs.18 goes to the importer and Rs 2 is given as a margin to the distributor and the retailers.

From the remaining Rs 18, we take 5 Rs as the margin for the importer including his profit and Storage cost, so we are left with Rs. 13 which is to be paid to the Manufacture who is located outside India.

Now when we pay to the Manufacturer who is located outside of the country, we pay in the acceptable currency i.e. normally US Dollars.

Now the things start to change for us/importer country How ???

We will not go in the Macro Economics explanation We will put this in very simple language,

Rupees 13 that we have given to another country is something that will never come back to us, They will use this money for further developing there existing products quality and also invest in increasing their product range, e.g. a mobile manufacturing company coming up with Smart TV, SmartWatch, Home Wifi and different products range,

How ???

How does this affect us?

Very simple this will affect the local manufacturer in the country as they will not be in a position to compete with them because their sales/revenue is not as much as the company in the other country, 

They will not be able to spend much on research and development (R&D) resulting not able to compete with international marker and diversification of products is something which is out of there budgets,

This result in forcing them to import products from other countries with their branding on them,

So how does this affect us in reality?

Just think of a country were apart from basic required goods all other goods are imported, What do you think how many JOB opportunity will be available at such places? 

When we shift our manufacturing industries to other countries. We will be left with very little opportunity as, only the trading sector will survive, Jobs like Product development, designing, labours required in manufacturing, raw material suppliers and all other direct and indirect business and labours will be left with no work to do. 

This is a Circle which is hard to exit and survive from, 

NO JOB NO MONEY NOW WHAT ???

We really don't need to tell what will be the situation if we are stuck in that, This is a situation that no country would like to get stuck in, Because this leads to all kind of evil things we can't even think of, and honestly we would not even want to think of those situations, 

This is just a small example things
 could be worst than this.

We know this sounds very negative but the truth is not always very pleasant,

We can actually continue this topic on how and what are the other ways it would or could effects us, But just want to keep this short to understand and share.

Our only request,

Just before you plan to buy anything just invest your little bit of time in finding out about the company/where is the product manufactured and what is the Indian Product alternative available for that. 

We could be paying little extra for Indian products sometimes or we might not get that Super looking design products but just remember that will help us in securing our future, Your little contribution will help us to save our country don't look at how little or high-value product you are buying just look at why not buy Indian brand product and give them a chance to grow. In the worst case scenario where we do not have any Indian brand at least look out for products that are Made in India, this will give some job opportunity to our country workforce. 

Do let us know how was the article and if you want us to put more details on this topic or any other topic comments section below.