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10 Powerful Thumb rule of Personal Finance - Everyone Should Know ⤵️

 1) Rule of 72

The formula estimates the amount of time it takes for an investment to double in value, earning a fixed annual rate of return.

If you earn 6% on your investment annually it will take (72/6=12) 12 years for your investment to double.

#personalfinance
2) 100 minus age rule

The rule is designed to help you determine the asset allocation between equity and debt. You need to subtract your age from the number 100 to get the equity allocation%

If your age is 30, equity allocation should be 70% (100-30)
3) 50/30/20 Rule

This basic rule of thumb is to divide your monthly after-tax income into three spending categories:

50% for needs,

30% for wants

20% for savings or paying off debt
4) The 35 percent rule

The whole idea behind the 35% rule is that , EMI as a percentage of your income should not exceed 35-40%

Anything above that might put a strain on your finances. In case your EMI is more than that, you should avoid taking any more loans.
#StockMarket
5) Emergency Fund rule

Save about 3-6 months of your expenses and keep it as an emergency fund.

You never know what future prevails so having a cushion to fall on is the wise choice.
6) Term Insurance Rule

You need an insurance coverage of 15-20 times of your annualized monthly expenditure.

#investing
7) The 20/4/10 rule

If you are taking a loan to purchase a car, you should be able to pay 20% down payment, the loan tenure should not be more than 4years and the EMI should not be more than 10% of your monthly income.
8) 10% Retirement rule

We hardly think about retirement from a young age. However, if we start investing just 10% of our income from a young age we can save a huge corpus of money to retire.

If you save just Rs.2000 every month and it grows at 10% it sums to 1.15cr in 39 years.
9) 10-5-3 Rule

One should have reasonable returns expectations

10℅ : From Equity / Mutual Funds
5℅ : From Debts ( Fixed Deposits or Other Debt instruments)
3℅ : From Savings Account
10) House Purchase

The value of a house should be equal to 2-3 times your family’s annual income. So if you & your spouse are earning a total of Rs 20 lakh, you should buy a house in a Range of Rs 40-60 Lakh.
These rules are very easy to calculate & apply, however, they only provide a general direction and may not necessarily give you the exact picture.
Your finances need to be personalized according to your risk profile, situations, goals etc.

Get a complete picture of your financial profile and actionable steps to boost your net-worth, only at https://t.co/sDoc7tenOY

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WEAPONS OF MAHADEV

Sarvaripati Shiva is one of the most fearsome manifestations of Mahadev. Assigned with destroying all of the universes at the end of time, Shiva is one of the most fearsome warriors. He is the Mrityunjaya.
Here are some weapons associated with him:


TRISHULA: the 3 pointed blades denote creation, maintenance, and destruction or the 3 Kalas – Past, Present and Future. They also represent 3 Gunas – Sattva, Rajas and Tamas).
Shiva’s trishul can only be stopped by Shiva himself.
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Trishul is also said to represent Ida, Pingala, and Sushumna. These are the three basic nadis – the left, the right and the central – in the pranamaya kosha, or the energy body of the human system.
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PARASHU: axe with 4 cutting edges which Shiva gave to Parashurama. In his anger, Parashurama used the parashu to get rid of the all the Earth’s tyrannical kshatriya caste twenty-one times over.
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CHANDRAHASA SWORD: The divine sword Chandrahasa literally means ‘the laughter of the moon’. Ravana gave this sword to Indrajit on different occasions especially to fight against Devas.
GIRISH: A special sword of Shiva with unique characteristics.
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LESSER KNOWN DETAILS ABOUT THE BATTLE OF PRATAPGAD - THIS YOU ALL SHOULD READ

In the 1659 Adilshah sent Afzalkhan with the army of 75000 soldiers to destroy Chhatrapati Shivaji Maharaj with his empire. He was the main soldier, warrior and minister in Adilshahi Sultanate.


He was the Subhedar of Wai province.

He was very powerful physically. His height was 7.3 ft. due to same he was very popular as a strong man from Adilshahi Sultanate.

Whole India was not daring to fight with Adilshahi due to Afzal Khan.

Badi Begum Sahiba sent him to kill Chhatrapati Shivaji on any cost.

Voluntary he decided to destroy Chhatrapati Shivaji’s empire with him. He started his operation against Chhatrapati Shivaji from "wai". He destroyed many temples like as Tulja Bhavani Temple.

He destroyed so many villages, killed villagers to torture Chhatrapati Shivaji.

DETAILED VIEW- Running commentary

1. Chhatrapati Shivaji chose Pantaji as a lawyer to communicate with Afzal Khan. Pantaji was very sharp minded, who did his job very nicely.

2. He presented Chhatrapati Shivaji is fearing Afzal Khan and he wanted to invite him in his kingdom near Pratapgad.

3. Pantaji succeed in the communication with Afzal Khan and he brought him as per the planning of Chhatrapati Shivaji.
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EVOLUTION OF CROWNS

The ancient Indian kings called a head crown as a Mukut and it would mostly constitute of a golden ornamental headgear like an oval cap with gems.

Sometimes it would also include a halo circle to show the divinity of the king

1/7


As it was considered that kings were appointment by the gods themselves. Example the kings of mewar considered themselves to be the ‘Diwan of eklingji')

But in most cases very few Mukut with halo effect have been found.

2/7

Samudragupta in the gupta era coin. You can see the helmet like headwear on him.

Till gupta era the solid golden head wear was used in most days of the monarch.

But since the onset of 8th century it reduced in usage and was now used only as a ceremonial headwear.

3/7


Whereas earlier the Maharaja had to wear the mukut whenever his court was in session.

Still mukut was being used prominently for ceremonial activities till recent times.

Maharaj Dahir of Sindh👇

4/7


But as times past the style of headwear also changed.

The kings mostly wore turbans ordained with pearls and gems while rarely anyone wore a true Mukut after 16th century.

Portrait of Sri Krishna Dev Raya👇

5/7
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@SaveToBookmarks Hi! You can find it here. Original tweet by @AchuthArora: "@Abhirajputfit @buzz_chronicles @rattibha @SaveToBookmarks save as Workouts". Cheers! 👉

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Panniyur Sri Varahamurthy Temple Palakkad, Kerala
#KeralaTemples 🚩

Panniyur Sri Varahamurthy Temple is located in Pattambi Taluk of Palakkad District. This is believed to be the first temple in Kerala, where Prathishta was done by Parasurama

Story says that, Parashurama after


Creating Kerala was doing Tapasya here. But he was disturbed as the land faced turbulence. Parashurama sought Narada’s help, who advised him to pray to Vishnu. Parashurama started praying Maha Vishnu. Finally Maha Vishnu appeared and told to do Prathishta of his Varaha Avatar.


As Earth is saved in Varaha Avatar, this temple is famous to solve land related issues.

Many people conduct Bhoomi puja here, which is very special here. They bring sand from around the temple which is used for pooja and then has to be returned to the same spot 👇


from where it was taken.
It is also believed that Perumthachan, the legedary craftsman has abandoned his tools here.
Om Shri Varaha Murthaye Namah
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On the day of Amavasya, devotees get the darshan of Shyam Baba in Shyam varan (black color). In ordinary days, the form of Baba is saffron. The reason for this is a custom. The real head of Shyam Baba which had appeared from Shyam Kund is of Shyam varan.


Every day Shyam Baba's grand Shringar is done by Pujaris. The main part of Shyam Baba's shringar is Tilak. This Shringar is done by the members of Nij Mandir sevaks. The sevaks of the Nij Mandir do sandalwood tilak to Baba everyday in the auspicious time.


This Divine Tilak is applied from the forehead to the nose. When Baba is given a bath by sevaks, this tilak comes off. Then in the auspicious time, the sevaks again apply tilak to Baba.


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You can read the article here:

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