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5 Great Reasons Why You Should Travel With Your Mom At Least Once a Year

For many of us, traveling is the greatest fun when done with a spouse, a partner, or a friend.

However, after you’ve learned more about it you would understand that going on a trip with your mom has various benefits of its own.

Here is a list of good reasons why traveling with your mom can be an adventurous and enjoyable experience worth doing at least once a year:

1. The trip will be a great chance to catch up

Even though you might live a short drive away from your mom, it is often hard to find the right time to talk to each other properly. Often, we only find time to talk to our parents on holidays, weekends, or family occasions where we also have to share the time with other people. Go forward and travel just the two of you, and you will have plenty of time to catch up, laugh, hug, cry and do all the things you’re never able to find the time for.

2. You’ll make a lot of precious memories

You are now a grownup, and she doesn’t have any responsibilities on this trip, which can make her feel as free as she’s ever been. And now that you know how great it feels to go on a trip with our mom, you could probably make it once a year thing, just so you can load up on fun memories.

3. You’ll get to fully appreciate all she has done for you and how cool she really is

A trip with your mother will help you appreciate her more as her amazing qualities surface and become clearer to you. Watch and run after her as she keeps on hitting the cocktail bars when you’re ready for bed. Do you want to laugh? Just wait until she gets lost and appears from inside the restaurant kitchen cause she took the wrong turn for the bathrooms. Whatever your mom’s qualities, traveling together will shine a light on them giving you full new ways to appreciate her.

4. You can get to know each other better

Most moms are used to playing the mother role for so long that they sometimes forget the other sides of their own personality. A child mostly witness the motherly side and, as a result, always behaves as one around her. But this could be the first time you two get a true chance to break these old-fashioned roles, be friends with each other and do something new and fun together.

5. You will realize that her love for you has grown even stronger since you were a child

Your mother will be willing to go to all the spots you want to go to even if she feels tired and wants to rest. She’s going to take a hundred different photos of you because she understands how important it is for you to get the perfect picture. She will make certain that you are cherished and excited as you two navigate your way through new places.

And that is the thing about moms. They never stop loving you. And traveling together will give you a chance to rediscover the love she has for you.

 So go ahead, call her and tell her it’s time to pack!

#travel #adventure #discover #peace #trip #memories

[a-michel73]

Best investment options for salaried persons in India

To build a strong financial backbone, one should invest the money in the right financial instrument. Though, not every investment guarantees substantial returns, but, if you invest wisely and for a good amount of time, the potential to gain healthy returns is higher. Especially, a salaried person who has to manage investments and expenses within a stipulated income. Hence, a salaried individual need to consider amount, risk, risk, and return while determining the best investment option for them.

Here are top investment options

Salaried individuals have different investment requirement than self-employed or other professionals. They have fixed monthly cash inflow to meet up their expenses and save for various life goals. While most of the salaried individuals are covered under post-retirement security in the form of employees provident fund or other mandatory retirement schemes, the corpus generated are often inadequate to meet post-retirement schemes.

1. Equity Mutual Fund

Equity mutual funds (MFs) invest at least 65% of their corpus in equities. Being invested in equities, these funds do better than fixed income instruments and inflation by a wide margin over the long term. These funds are best suited for retail investors who want to invest in stocks but lack the required expertise or time to do so. Equity funds also include a special category of funds called Equity Linked Savings Schemes (ELSS), which qualify for tax deduction under Section 80C of the Income Tax Act. These funds also have the shortest lock-in period of 3 years among all the Section 80C options.Investment in equity mutual fund can be started with just Rs 5000 for lumpsum and additional investments can be made for just Rs 1000. In case of ELSS, the minimum and subsequent investment amount is Rs 500 per month. If you opt for SIPs instead of lumpsum investment, the minimum instalment is Rs 500 and Rs 1,000 for ELSS and other mutual funds, respectively.

2. Debt Mutual Fund

Debt mutual funds invest in fixed income instruments such as corporate debt securities, corporate bonds, government securities, and money market instruments, among others. Although debt funds are prone to minimal risk, they are less volatile than equities generating higher returns than fixed deposits. Moreover, unlike fixed deposits, debt funds do not levy premature withdrawal penalty. However, a few debt funds may charge exit load of up to 3% on redeeming your investment before a pre-determined period.

3. Fixed Deposit

Fixed deposits guarantee interest income and principal repayment at booked rates, regardless of any changes in the card rate during the deposit tenure. At present, small finance banks offer highest rate of Interest up to 9% p.a. (up to 9.6% p.a. for senior citizens) while the highest card rates offered by other private sector banks go up to 8.25% p.a. (8.75% p.a. for senior citizens). The highest card rates offered by public sector banks go up to 7% p.a. (up to 7.5% p.a. for senior citizens). One can also save taxes under Section 80C by investing in tax-saving FDs. However, interest earned is taxable as per tax slab of the depositor. These tax-saving FDs come with a lock-in period of 5 years.

4. Public Provident Fund

PPF is one of the safest funds among all investment options because of the sovereign guarantee from the government. PPF investments also qualify for tax deduction under Section 80C. With a lock-in period of 15 years, PPF is currently offering 8% returns compounded annually. However, the Ministry of Finance analysis the interest rate every financial quarter basis the government bond yields. Additionally, you can extend your investment period after the maturity of 15 years with 5 years block. The minimum amount is Rs 500 and Maximum amount is Rs 1.5 lakh in a financial year.

Lack of liquidity is the PPF’s biggest drawback. Partial withdrawal is permissible only from the 7th FY onwards. Premature closure of the account is allowed after the 5th financial year for medical treatment of serious ailments or life-threatening diseases or for higher education.

5. National Pension System

NPS is a market-linked product for retirement planning. Salaried investors not falling under the ‘Government or Corporate’ model can join NPS under the ‘All Citizens of India’ model. The investments remain locked-in till you reach 60 years of age, which can be extended up to 70 years. Minimum 40% of the accumulated corpus has to be invested to avail annuity while the remaining tax-exempt amount is withdrawn on maturity. You can avail tax deduction of up to Rs 1.5 lakh under Section 80C and an additional deduction of up to Rs 50,000 under Section 80 CCD 1(B).

6. Voluntary Provident Fund

VPF is an extension of the EPF, yielding the same interest rate. Apart from mandatory contribution towards EPF, you can voluntarily choose to increase your contribution to up to 100% of your basic salary and dearness allowance in VPF. The interest rate is reviewed by the government every year and the investment amount qualifies for tax deduction under Section 80C. The interest earned is tax-exempt provided the employee continues to be in service for 5 years or more.

7. National Savings Certificate

National Savings Certificate is a fixed income investment scheme with a lock-in period of 5 years offering an interest rate of 8% compounded annually. Just like the PPF, the NSC interest rates are reviewed every quarter. With minimum deposit of Rs 100 and no maximum deposit limit, you can claim tax deduction of up to Rs 1.5 lakh under Section 80C.

8. Unit Linked Insurance Plan

ULIP combines life insurance with market-linked investment. A part of the premium goes towards insuring your life while the other part is invested in stocks, bonds, market instruments, etc. They offer both death and maturity benefits. ULIPs come with a lock-in period of 5 years and qualify for tax deduction under Section 80C. Insurers also offer various endowment options to suit varying risk appetites. One can also switch between these endowment options to cater to the changing risk craving or market conditions.

#savings #investment #profit #PPF #mutual funds

[a-michel73]

How to apply for a Driving License?

Driving license is an official document in India that permits its holder to operate various types of motor vehicles on highways and some other roads to which the public have access.

Decent photo of the driving license can also serve many of the purposes of an identity card in non-driving perspectives such as proof of identity (e.g. when opening a bank account) or proof of age (e.g. when applying for a mobile connection). Whoever desires to drive a vehicle in India has to have a driving license!

There are two types of driving licenses are issued: learner's license and permanent license. Learner's license is valid only for six months. A permanent license can be availed only after the expiration of one month from the date of issuance of the learner's license.

Though, a permanent driving license cannot be expected right away. There is a separate procedure for it.

An individual who wishes to drive any type of motor vehicle in India has to get his/her learner's license first. A learner's license is issued for learning. After a month of the issued learner's license, the person has to give the test in front of an RTO authority in a proper examination, will declare if he/she has passed the exam or not.

Documents required for Driving License

To certify that there is no delay in the application process, the documents that are to be submitted have to be valid and correct.

The lists of documents that required for a driving license are:

Age Proof (any one of the below-given documents)

Birth Certificate

PAN Card

Passport

10th Class mark sheet

Proof of address required for Driving License

Permanent proof of address (any one from the following):

Passport

Aadhaar Card

Self-owned house agreement

Electricity bill (issued in applicants name)

LIC bond

Voters ID Card

Ration card

Current address Proof (any one)

Rental agreement and electricity bill

Rental agreement and LPG bill

Other Requirements for Driving License

Properly filled application form (to get the application form for a driving license, visit the nearest RTO or download it from the online portal for your state)

6 Passport size photos (when applying for Learners license)

1 Passport size photo (when applying for driving license)

Application fees: If you are residing in other cities, as current address proof, you can present the rental agreement with one latest utility bill copy which can be a gas bill or an electricity bill.

Medical Certificate is mandatory for all applicants over the age of 40 years. Form 1A and 1 is to be issued by a specialised government doctor

Apply online for Driving License

Applying for a driving license online is a very simple process

Go to the official website of the Road Transport & Highways Ministry. Select "New Driving license."

You will be redirected to a new web page, which will have all the details about it. Read through the instructions. Download the form and fill all the required information.

 Procedure to fill the Driving License application form online

The process for filling out an online application for a learner's license or driving license is as follows:

First download the driving license application form from website

Fill in the application form as per the guidelines

On the screen and click on 'Submit'

In case of minor applicants, the form is to be printed out and Part D is to be filled out and signed by the parent/guardian at the nearest RTO

Upload the documents to be submitted along with the application form.

Application Number will be generated after submission, which can be used to track the status of the application

A notification will be sent via SMS once the application has been processed

 Apply offline for Driving License in India

The process to apply for a driving license in India is very simple and straightforward. The steps given below will help you understand how to apply for a driving license offline.

Fill the application form and submit it with appropriate documents RTO in the jurisdiction in which you live. Also, program a slot for driving license test at the RTO

Be present at your driving license test centre on the definite time and date. Once you clear the test, you're driving license will be given on the spot or will be sent to your registered address

Also, if you are taking driving lessons from a driving faculty, the faculty will help you apply for a driving license

After filling the form, the applicant can submit it online. After submitting the form, application Number will appear on screen.

[a-michel73]

Top 10 Highest Mountains

1. Mount Everest

2. K2

3. Kangchenjunga

4. Lhotse

5. Makalu

6. Cho Oyu

7. Dhaulagiri

8. Manaslu

9. Nanga Parbat

10. Annapurna

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Best places to visit in rainy season in Mumbai & Pune

Here are the best places to visit

1. Amboli

The mist-laden ghats of Amboli brim with nature and is the topmost “Eco Hotspots” in Sahyadri. Amboli is an off-the-beaten hill station at 2,260 feet above sea level in the Sindhudurg district of Southern Maharashtra after which the coastal uplands of Goa start to unfurl. Places such as the Amboli waterfalls, Madhavgad fort, Shirigaonkar and sunset points etc. Amboli village has been recorded to receive the highest rainfalls during monsoon in the entire state of Maharashtra which gives you thumbs up to include in your list of Maharashtra places to visit in monsoon.

2. Khandala

The picturesque station that lies a few kilometres before you hit the customary Lonavala city roads is quite underrated. Khandala is another famous hill station that leads to many trek trails such as Visapur, Rajmachi and Lohagad etc. in monsoon and is quite easily accessible from metro cities like Mumbai and Pune. Bedsa cave, Duke’s nose, Tiger’s cave Bushi Dam, Tungarli Dam, and Karla and Bhaja caves are a few attractions that can be toured while in Khandala.

3. Mahabaleshwar

The strawberry town needs no introduction, Mahabaleshwar is a hill station in Satara district of Maharashtra. It is quite near to Panchgani in distance and both are often coupled together in a single trip. In bygone times, during the British Raj, Mahabaleshwar served as a summer capital. It is famed for producing almost 85 percent of the entire strawberry production that gets distributed across the country. Bound by meadows and greenery from all sides, Mahabaleshwar is a large plateau town that attracts hordes of tourists throughout the year. During the monsoon season, the entire valley comes to life with cascading waterfalls and rivers.

4. Alibaug

Alibagh is the town by the sea that can easily be accessed by a ferry ride from Gateway of India in just an hour log boat ride. The coastal town is one of the most popular places in Maharashtra which experiences tourists footfall throughout the year. Fondly dubbed as “mini-Goa”, it is nestled in the Konkan region of Maharashtra, precisely south of Mumbai. Alibag is loved for the colonial history and clean beaches such as Varsoli, Kihim Beach, Alibag beach, and Nagaon Beach. The presence of Murud-Janjira fort in the middle of the sea amplifies the surge of tourism in Alibag even more.

5. Matheran

The romantic and environmentally responsible Matheran is a weekender’s delight. Not more than 100 kilometres west of Mumbai, lies this tiny hill station which is famous for banning motorable vehicles to preserve its colonial edifices. You can still find Matheran in the most untouched way even after the rapid rise of hotels and guest houses because, besides the commercial tactics, the place is covered and surrounded by thick jungles. Monsoon is literally the best time to visit Matheran.

6. Panchgani

Panchgani: The neighbouring hill station to the strawberry town of Mahabaleshwar, Panchgani is one of the most-cherished places to visit in monsoon in Maharashtra. Nestled at an elevation of 4370 feet above sea level in Satara district of Maharashtra, Panchgani is named after the five hills of Sahyadri that surround this place. The Sahyadri make for a great view from the various sunset and sunrise points in Panchgani. It is mostly frequented by families as it has well-defined routes and points with a fair choice of stay options and a lucrative market.

7. Igatpuri

Dotted with waterfalls, rivers and towering hills of Sahyadri, Igatpuri is one of the places to visit in monsoon in Maharashtra which is hard to resist. Igatpuri falls on the  Mumbai-Agra highway, just 45 kilometres before Nashik.It is a major railhead that also connects the nearby cities. Igatpuri is truly a paradise in terms of natural beauty, valleys such as Bhatsa River Valley, Camel Valley, Konkan Kada valley etc are some of the well-kept treasures in this petite hilly town.

8. Bhimashankar

Bhimashankar is one of the revered Jyotirlingas in India and is one of the mandates to people surfing Maharashtra places to visit in monsoon. Perched atop an elevation of 3250 feet above sea level in Bhorgiri village- Bhimashankar is surrounded by other Sahyadri jewels like Matheran, Nasik, Trimbakeshwar etc. Bhimashankar is a mix of new and old architecture in Nagara style where sculptors and pieces are seen from the 13th to the 18th century.

9. Malshej Ghat

A ghat in the Sahyadri is mostly a monsoon pass, Malshej is popular ghat on the Mumbai-Thane road. The ghat is similar to the other ghats of Sahyadri range but it oodles with a number of trek trails. It is one of the must-see places in monsoon if you love getting drenched in the heavy showers.Situated on the borders of Thane and Ahmednagar districts and is home to home chirpers like cuckoos, flamingoes, quails and rails.

10. Kalsubai

As the highest peak of Sahyadri range, Kalsubai is a dream trek. Dwells at an elevation of 5400 feet above sea level, Kalsubai is a scenic hill and is peppered with innumerable waterfalls and rivulets. The peak is located within the green fringes of  Kalsubai Harishchandragad Wildlife Sanctuary where the trail is well-marked for the trek and nature enthusiasts to follow. Bari is the base village to begin the uphill walk towards the peak.

#rainyseason #treking #waterfall #nature #monsoon

[a-michel73]

Future of Artificial Intelligence (AI)

Defination

Artificial Intelligence (AI) is the part of computer technology that affirm the development of intelligence machines, thinking and working like humans. AI made our life very easy for example, speech recognition, problem-solving, learning and planning. i.e. Alexa in our homes technology has seeped in even without getting us know when this happened.

Applications of AI:

Artificial intelligence AI has a vast effect on many of the fields and some of them are mentioned below,

Gaming :

It plays an important role in strategic games like chess, tic tac toe etc. Here the machine should be able to think of multiple possible steps based on experimental knowledge.

Natural Language Processing:

Able to communicate with the PCs that understand human used natural language.

Expert Systems:

There are a few applications which incorporate machine, programming, and some special data to confer thinking and prompting. They give clarification and exhortation to the users.

Vision Systems:

These type of systems are able to understand, interpret and grasp visual input on the computer.

Ex: A spying plane or drone takes pictures, which are utilized to make sense of spatial data or guide of the zones and areas.

Speech Recognition:

You will find some systems which are able to accept the language which is used by humans and talk to them. They can even accept the slang, background noise, accent etc.

Handwriting Recognition:

This special software will be able to read the script written either by a pen or stylus on paper or screen respectively. It also recognizes the letter shapes and will change it into editable text.

Intelligent Robots:

Robots are one of the finest formation by humans. They can do multiple tasks within no time. Though they cannot be replacement to humans but are very efficient when doing any tasks.

 They are form of sensors which detect few physical data like light, heat, temperature, movement, pressure etc just like humans. They also own good processors and huge memory.

The best part about these systems is that they are flexible to the environment around them.

Now, let us look into Advantages and Disadvantages of Artificial Intelligence

Advantages of Artificial Intelligence:

Artificial intelligence is complex in nature. It uses a very complicated mixture of computer science, mathematics and other complex sciences. Complex programming helps these machines replicate the cognitive abilities of human beings.

1. Error Reduction:

Artificial intelligence helps us in reducing the mistake and the chance of reaching accuracy with a better degree of precision.

2. Difficult Exploration:

Artificial intelligence and the science of robotics can be put to use in mining and extra fuel exploration processes. Not only that, these complex machines can be used for exploring the ocean floor and hence overcome the human boundaries.

3. Daily Application:

Computed methods for automated reasoning, learning and perception have become a common phenomenon in our everyday lives. We have our lady Siri or Cortana to help us out. When we take a picture, the artificial intelligence process recognizes and detects the person’s face and tags the individuals when we are posting our pictures on social media sites.

4. No Breaks:

Machines, unlike humans, don’t require regular breaks and refreshments. They are programmed for long hours and can endlessly perform without getting bored or distracted or even tired.

Disadvantages of Artificial Intelligence:

1. High Cost:

Creation of artificial intelligence requires massive costs as they are very complex machines. Their repair and maintenance require massive costs.

In the case of severe breakdowns, the procedure to recover lost codes and reinstating the system might require huge time and cost.

2. No Replicating Humans:

Intelligence is believed to be a gift of nature. An ethical dispute continues, whether human intelligence is to be replicated or not.

3. No Improvement with Experience:

Unlike humans, artificial intelligence cannot be enhanced with experience. With time, it can lead to wear and tear. It stores a lot of data but the way it can be accessed and used is very different from human intelligence.

4. Unemployment:

Replacement of humans with machineries can lead to large-scale unemployment.

Unemployment is a socially undesirable phenomenon. People with nothing to do can lead to the critical use of their creative minds.

Based on the above discussion, the Association for the development of artificial intelligence has two objectives – to develop and advance the technology of artificial intelligence and to promote and educate about the responsible usage of artificial intelligence.

The Future of Artificial Intelligence as Follows:

- Artificial intelligence is emerging faster than you think, and speeding up exponentially

- Every day you use artificial intelligence

- Robots are easily going to take your work

- Around half of the AI community believes computers will be as smart as humans by 2040

- A lot of smart people think developing artificial intelligence to human level is a risky thing to do

- Once artificial intelligence becomes smarter than humans, we've got very little chance of understanding it

- Because of Artificial intelligence we've never met aliens

Artificial intelligence is going to change whole industry, all future life. The principle point of AI is that it can process the data of any complication, while interacting with the reality of any type, real or virtual, physical or social. There is no other way in which its information and knowledge can be absorb. That means the world data complication will be replicated in the level of AI technology development, maturation and cleverness. Today’s AI systems are trained to do just a barely defined task. The Narrow AI system that plays poker cannot play anything else, be it solitaire or chess.

#artificial intelligence #ai #future #automatic

[a-michel73]

Our Mission Our mission is to emulate education through the world-class Online learning opportunities that are accessible, convenient , and economical. Anyone on the planet with an internet connectivity and a learning fury can come to Eduvogue and unlock their Dream Job. Eduvogue is an online learning platform providing meticulous industry ready programs designed and delivered in association with world-class forte. Eduvogue is creating an splendid learning experience – anytime and anywhere with the latest technology, pedagogy, and services. By connecting students all over the world Eduvogue is helping everyone to reach their goals and get the Career they Deserve.

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Career Opportunities in Digital Marketing

1. What is Digital Marketing

Digital Marketing is a platform where people can promote their products online via internet & social media. if you are thinking to start a career in digital marketing you don’t need any specific qualification. Everyone can build a career in digital marketing. It totally depends on the person’s interests.

2. Components of Digital Marketing

A) Search Engine Optimization (SEO)

Search engine optimization is extremely important for marketers. When you optimize your web pages with your blog posts you are making your website more visible to people who are entering keywords related to your product via search engines like Google.

B) Content Marketing

Content marketing is a form of marketing concentrate on creating, publishing, and distributing content for a targeted audience online. It is often used by businesses in order to:

Attract attention and generate leads

Expand their customer base

Increase online sales

Increase brand awareness

C) Social Media Marketing

Social media marketing, or SMM, is a procedure of internet marketing that includes making and sharing content on social media networks in order to achieve your marketing and branding goals. Social media marketing includes activities like posting text and image updates, videos, and other content that drives audience engagement, as well as paid social media advertising.

3. Top Reasons to choose Digital Marketing as a career

A) The scope of learning new things

Similarly like any other industry, constant learning is important to attain exponential progress in digital marketing. Unlike other industries, learning is in the digital marketing industry is based on technology which is constantly evolving. One of the best ways to upgrade your digital marketing knowledge is to enroll in digital marketing courses

B) High Paid Designations

When you work in a productive industry with a shortage of skills you can consider yourself as a commodity and negotiate your salary based on that. With the huge demand for digital marketers exceeding the supply, you can expect a high salary based on demand to supply equation.

C) Start your own career

Getting into a job is not the only career path you can take in the digital marketing world but also there are many other options to go solo and still have a booming career. You can start your own blog and focus on building a huge fan base. You can even test your skills by taking the online test like Google Analytics exam. Also, there are so many freelancing options available where you can work from home based on your timing preferences.

D) It’s a growing industry

The growth in this sector is steady and fast with an increasing demand for digital marketers, there will never be a lack of career opportunities in the future. If you are creative, have problem-solving skills and know how to engage your customers, then the world of Digital Marketing has an ocean of career opportunities for you.

4. Job Profiles in Digital Marketing

A) Digital Marketing Executive

A digital marketing executive is often answerable for engaging a brand with customers or clients via the digital space, aiming to establish and manage the online presence. It is their job to keep up to date with relevant issues and latest news through articles and blogs to ensure that their brand is at the lead of any industry developments.

B) Social Media Marketing Executive

A social media executive manages all the social media channels of a company or organization. Social media channels include Facebook, Youtube, Twitter, Instagram, Pinterest, LinkedIn etc. They are responsible for ongoing updates about the brand and service of the company in social media accounts to engage customers.

C) Content Marketing Executive

This role involves handling the web content of your company’s clients and typical duties include creating content in the CMS, supporting in the roll out of new projects, publishing videos and blogs on clients websites and social media channels and creating on-brand content to appeal to your clients’ target audience.

#digitalmarketing digital marketing socialmediamarketing onlinemarketing