1. 10/11/14 kapilamukesh120@gmail.com 1

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How You Can Easily Reduce StressGet up early enough to avoid rushing.Set an alarm to get ready for an early hour?Take time for break fastMake list of things to do and put the most important thing first.Allow enough time to drive to school or work without rushingWalk at unhurried paceShare at least one meal each day with other peopleAvoid the excessive use of caffeine, alcohol or drugTake some time to relax each day such as going for a walk, riding your bike ortaking a hot bath.Avoid procrastination and believe that the sooner you begin a task the lessyoull worry about itConcentrate on the task at workTake time to talk with your friendsSet aside regular time for study or study related to workSchedule some relaxation for weekend to break the cycle of stressJot down the things you dont get done that you would like to do the next dayUnwind before going to bed such as reading or listening to music or thankinggod for a good dayControl your distressful thoughts10/11/14 kapilamukesh120@gmail.com 5 6. ARE YOU CONFIDENT?Blame yourself when things go wrongCross the street to avoid meeting some people known to youFeel insecure with yourselfFeel self conscious and find it difficult to accomplish some thing when someone is watchingyou.Stay in the background in social gatherings.Feel embarrassed to enter into a room full of people already seatedSuffer from thwarted feelings as you are unable to do as you desireFeel much affected by the pride or blame of many people.Feel bored much of the timeFeel no obstacle can stop you from achieving your goal.Can adjust readily to new situationUsually work things out for yourself rather than get someone to show youDominate othersBE busy in things that keep you interestedFind it difficult to make up Your mindFind it difficulty in expressing your emotions.Feel dissatisfied 10/11/14 with your self. kapilamukesh120@gmail.com 6 7. Sleep.Sleeping helps you a lot in reducing stress. Physical stress generally reduces if you have avery sound sleep every day. Your stress and health are very much taken care of by having asound sleep, generally eight hours every day. If youre rested, you have a low physical stresslevel and give a better shot at handling things. Not to mention, you may not stress out as easilyif you have a chance to recover at night. Sleep really works like a wonder drug in reducing stressand gives you stress relief.Drink water. Your entire system functions better and helps you in reducing stress just bydrinking enough water. Physical stress is very much avoided if you have one and half litre ofwater every day. Since Stress and health are closely linked it is one of the best stress reliefstrategies that help you get out of it and reducing stress level. By this way you automaticallyhave a check on your stress and health also. Oh, and by the way, if you dont think that weightloss and proper hydration have a relationship, think again. Shift the paradigm on its side dontthink about exercise and nutritional eating just as something you have to suffer through to getinto those jeans. Instead, think of them as armour that help you in reducing stress and protectyou in this crazy world from physical stress, with all of the bazillion details you deal with everyday.10/11/14 kapilamukesh120@gmail.com 7 8. Ask, Whats the hurry? Have some fun. Were always so busy going somewhere; we miss justenjoying the moment. If an opportunity comes your way to do something fun, take it. Giveimportance to stress and health as well. Enjoy the stress relief that it gives you, give physicalstress a whack and help yourself in reducing stress. Reducing stress in that way would also behelpful.Take a deep breath. When you feel the stress (physical stress in particular) getting to you, takea moment. Get away, even if its just for an hour, to be with yourself and your thoughts andkeep aside some time for reducing stress. Some people like to take a walk, meditate, lockthemselves away in a beautiful bath, or go to church just to lower down their physical stresslevel. As we know stress and health pretty antagonistic to each other. Hence find the peace andthe silence. In that way also you would be reducing stress to a significant extent.Keep it simple. Being simple and simplifying things is one of the most convenient ways ofreducing stress. Simplify where you can. Does Junior really need to be in 78 activities at the ageof 5? Do you have to go to every little party or gathering youre invited to? What about yourstress and health? Perhaps no. Managing physical stress this way would be highly effective asyou get time to be with yourself and would go a long way in reducing stress present in you.10/11/14 kapilamukesh120@gmail.com 8 9. Turn off the TV. A lot of it is bad news anyway, and it robs us of hours that we could use to begetting other things done. Since everyone complains that they have no time, get some byunplugging from the tube and enjoy stress relief. Stress and health are an integral part of life. Ifnot handled carefully they can lead to chaos. Hence get away from that idiot box and have fun.Reducing stress this way would also work.10/11/14 kapilamukesh120@gmail.com 9 10. `/ 10/11/14 kapilamukesh120@gmail.com 10 11. .................................. , ? 10/11/14 kapilamukesh120@gmail.com 11 12. ........ 10/11/14 kapilamukesh120@gmail.com 12 13. ? , 10/11/14 kapilamukesh120@gmail.com 13 14. / MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 14 15. ? MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 15 16. , , 10/11/14 kapilamukesh120@gmail.com 16 17. 10/11/14 kapilamukesh120@gmail.com 17A CONSUMER ACTION AND CAPITAL ONE PARTNERSHIP 18. 10/11/14 kapilamukesh120@gmail.com 18 19. (, ) ( ) TV 10/11/14 kapilamukesh120@gmail.com 19 20. ? , 10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 20 21. ? 10/11/14 kapilamukesh120@gmail.com 21 22. .10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 22 23. MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 23 24. ?MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 24 25. . . . ( CSD )MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 25 26. CSD .MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 26 27. : . AWWA , , .MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 27 28. (1-2 years) , . (5-10 years ormore) , .MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 28 29. .MoneyWI$E10/11/14 A CONSU MER AC kTIaOpNi lAaNmDu CkAePsIThA1L2 O0N@E gPmARaTiNl.EcRoSmHIP 29 30. 10/11/14 kapilamukesh120@gmail.com 30 31. 32. Four Pillars of Happy LIFE (Good Health) (Money) (Wise wife) i (disciplined Son)10/11/14 kapilamukesh120@gmail.com 32 33. MBA 10/11/14 kapilamukesh120@gmail.com 33 34. Escalating cost of higher education*:- 2000 MBA5.5 lakhs9.5 lakhs5.2 lakhs 2010 MBA10.50 lakhs22.00 lakhs8.50 lakhs 2015 MBA16.50 lakhs35.00 lakhs13.20 lakhs 2020 MBA26.50 lakhs54.00 lakhs20.00 lakhs*Based on internal assessment and assumptions of CAGR 10% - 12%. ? ! A ready reckoner ofprobable future costs for agood professional degree.10/11/14 kapilamukesh120@gmail.com 34 35. 10/11/14 kapilamukesh120@gmail.com 35 36. 3 in 1 A/c (MIS + SB + RD)3 1 (MIS+SB+RD) 10.55% (MIS)8.5% Rs 1500/- 4.5 Rs 9 RD . : - (MIS) RD Rs 45, 000/-(a) : Rs 45,000/-(b) 8.5% : Rs 319/-(c)5 RD 315/- : Rs 23,515/-(d) /- : Rs240/-(4x12x5)(e) 5 (a+c+d) : Rs68,755/-(f) : 10.42%10/11/14 kapilamukesh120@gmail.com 36 37. /Recurring Deposit 10 /- ! 5/-. 100/- 5 7445.30/- ! 5 . 6 12 / 50% ! .. ! 3 !10/11/14 kapilamukesh120@gmail.com 37 38. RD /- ( 5 ) 5 89344/- 630/- , RD 5 () MIS Rs 90,000/-() RD (630 X 60= 37800) RS 46,905/-() Rs 1,36,905/-() 10.42% 5 MIS ( 15 2,05,358/-10/11/14 kapilamukesh120@gmail.com 38 39. - () - 80C 10/11/14 kapilamukesh120@gmail.com 39 40. (PPF) 1,00,000 / - 80 5 - Rs 500/- - Rs 1,00,000/-5 () 15 :: E3 - - .10/11/14 kapilamukesh120@gmail.com 40 41. (PPF) 10,000 / - : : 15 : - 8.8% * (Intt) : Rs 10,000/- 1621263136Rs 1,60,000/-Rs 2,10,000/-Rs 2,60,000/-Rs 3,10,000/-Rs 3,60,000/-Rs 3,53,023/-Rs 6,03,060/-Rs 9,84,256/-Rs 15,65,412/-Rs 24,51,418/-Rs 28,553/-Rs 48,777/-Rs 79,609/-Rs 1,26,614/-Rs 1,94,276/-Rs 2,380/-Rs 4,065/-Rs 6,635/-Rs 10,551/-Rs 16,190/-10/11/14 kapilamukesh120@gmail.com 41 42. : (SCSS) : : 5 3 : 1000 15 1000 : 2 1% FOR : - Rs 15, 00, 000/- : - Rs 34, 875/- 9.3%: 3 1 : 5 11.5% 10/11/14 kapilamukesh120@gmail.com 42 43. 10/11/14 kapilamukesh120@gmail.com 43 44. : , 4.5 3150 : 80 : 6 9 : 10/11/14 kapilamukesh120@gmail.com 44 45. : () , 60 60 80 () : () : / 10/11/14 kapilamukesh120@gmail.com 45 46. . ( //AF/ :) Para PLI . PLI . by the concerned Pay Accounts Office (OR)/CDA(Offrs). : -1 . / .10/11/14 kapilamukesh120@gmail.com 46 47. . . :- PLI LICWLA EA EA WLA EA EARs 85/- Rs 60/- Rs60 /- Rs 70/- Rs 38/- Rs 39/- 1 : PLI LICEA AEA(Incl 1st, 2nd & 3rd SB)EA AEARs 2,20,000 Rs 2, 20, 200/- Rs 1, 76, 000/- Rs 1, 78, 000/-Premium is low, bonus is higher than any other insurance scheme10/11/14 kapilamukesh120@gmail.com 47 48. 10/11/14 kapilamukesh120@gmail.com 48 49. / | May 01, 2012, 01:56AM IST : : : : : , () : : : : : , () 10/11/14 kapilamukesh120@gmail.com 49 50. 10/11/14 kapilamukesh120@gmail.com 50 51. 10/11/14 kapilamukesh120@gmail.com 51 52. : (secured) '', (risk) ''10/11/14 kapilamukesh120@gmail.com 52