Top 10 Financial Experts in India

In an uncertain time, humans have an innate sense of looking up to someone who has experience. Especially in a sector as agile and unpredictable as finance, we are constantly looking for a mentor which advice we can rely upon in making important decisions. With money involved, it is of utmost importance that we follow the advice of someone with great expertise. Here we have picked these 10 advisors (in no order whatever) to make this task a teeny bit easier for you-

1. Nilesh Shetty: A qualified CFA from CIMA, UK, Nilesh has more than 13 years of experience in the field of research and finance. Currently, he is the Associate Fund Manager at Quantum AMC. He was associated with the Edelweiss group prior to that.
2. Suresh Soni: Up until January 2018, he was the CEO of DHFL Pramerica. He has more than 23 years of experience in Indian financial markets. Having held senior positions throughout investments and general management, his expertise in the field is unparallel. He had worked with Deutsche MF, Pioneer ITI, Sundaram Newton and SBI as well over the years.
3. Lakshmi Iyer: The general mindset in today's world is that finance is a male-dominated industry but Lakshmi shares the refreshing view that "the glass ceiling is in the mind. winning at it. With her kind of attitude, she has become an inspiration to women all across the globe who wish to build a career in this sphere.
4. Sonu Iyer: With a rich experience of over 23 years, Sonu is the Tax Partner and People Advisory Services Leader, EY India. He is known for sharing her uninhibited and unabashed opinions over the matters of finance. Her insights and views vividly demonstrate her knowledge in the area.
5. Saravana Kumar: Saravana has worked for over 25 years in investment management across sectors such as mutual fund, banking, insurance and portfolio management services. At present, he is the Chief Investment Officer for LIC and before that, he has been associated with huge names in the industry like Tata and Trust Investment Advisors. He also received the World Finance Award in 2013.
6. Seemant Shukla: After working for ICICI, Reliance and Dhanlaxmi Bank, he is now heading Sales and Business Development for Edelweiss. He has been in the financial globe for about 13 years now rich with experiences and lessons.
7. Lovaii Navlakhi: Lovaii is one of the first Certified Financial Planners (CFP) of India. He is an MBA (Finance) and an ICWA. A staunch believer in continuing education as a way of life he is now the Founder and CEO of International Money Matters. Lovaii has also been a board member of Financial Planning Standard Board, India. His blogs also make a great read.
8. Brijesh Dalmia: The founder of 'The Brijesh Dalmia Leadership Company'.He is a CFP, LUTCF and LMF. He is also the founder of 'Dalmia Advisory Services', which is among the leading boutique wealth management company in the country. He has authored 9 books and is a regular blogger.
9. Manish Chauhan: Manish has written articles on over 800 personal finance topics, 2 personal finance books with CNBC, and being a part of about innumerable seminars and workshops. He is the founder of Jagoinvestor which is a Financial Coaching firm. He has been in the finance sector for over 8 years now.
10. Sumeet Vaid: Undoubtedly a veteran in the industry, he has worked with companies like Bajaj Capital, Prudential ICICI, ING Vysya, Optimix, Networth Stock Broking. He is also the founder and CEO of Freedom Financial Planners. He has more than 13 years of experience in Wealth Management, business & distribution of financial products.

Bonus: with the rise of technology at a great pace, we can also rely upon our virtual finance experts. In terms of personal loans and credit cards, we have various online portals that can help you out as well.

The Purpose of Anti-Virus Software

Anti-virus software is software that you install on your computer so that you can be alerted when you have a virus. Anti-virus software will help to keep your computer safe against worms, viruses, Trojan horses, and other uninvited programs.

The software can also help you clean your computer if you should happen to have a virus. The important thing to remember about anti-virus software is that you make sure to update it often so that you get the latest computer virus definitions installed into the software program. There is no point in having the anti-virus software if you're not going to update it. You'll be able to get updates from the vendor that sold you the anti-virus software, such as Norton.

Many times you may already have anti-virus software on your computer in which case you will be sure to uninstall it before installing your new software. To find out if you have virus software check under your Start menu to see if you one listed, such as McAfee or Norton. Keep in mind that just because you have anti-virus software already installed on your computer that it (1) may not be working, and (2) has not been updated for a long time.

Once you've installed anti-virus software on your computer you're going to want to make sure that you use it correctly. Make sure that the settings in your computer automatically turn the anti-virus software on when you boot up your computer. You always want to be protected. If you're downloading something off the Internet your anti-virus software will let you know if there is a problem.

You can also use the anti-virus software to specifically scan any downloads, or files, that that have been sent to you via e-mail. If you are aware that you have a virus your software will guide you with the right steps to removing it. Make sure that you do not continue to use your computer until the virus, or worm that you have, is removed. You do not want to send e-mail to friends and help in the spreading of the virus.

Financial Literacy For Young People

The statistics can be shocking. An overwhelming 91 percent of British adults have never received lessons at school on basic financial management, such as budgeting. This suggests that Britain faces a significant gap in financial knowledge as the current generation struggles to equip its children with the financial skills they need. And 30 million (66%) of Britons believe that financial lessons would have provided them with the knowledge and understanding to better deal with the financial challenges of modern life, explains Lapenna. A prominent symptom of this lack of financial education is the increasing debt that many households are experiencing.

It's clear! When it comes to money, many of us are not fully informed of how to manage our money effectively. MyBnk believes that there is a real need to allow new generations to become informed consumers of banks. "Our research has shown that there is inertia about changing banks with more people in the UK getting a divorce than changing banks," says Lapenna, Italian-born and raised in London. Lapenna has international experience in international development with a focus peer education and backward links to micro finance.

The goal of MyBnk is to increase young people's financial literacy and develop their enterprise skills. Its approach is to give them hands-on experience of organizing, running and using financial services, via 'MyBnk Branches' also known as 'MyBnk-in-a-Box'.
This is done in secondary schools and colleges that provide a convenient place for young people to save and take out small, interest-free loans.

Cooperative and individual savings are encouraged. This helps youth put their good ideas into practice by taking out small loans that are used towards the development of entrepreneurial activities.

"We are currently running 7 MyBnk branches and are in the process of signing on 30 new secondary schools / colleges for September," explains Lapenna.

MyBnk also offers fun assemblies, workshops and learning programs to encourage financial and enterprise capacity among young people.

The organization seems to be getting great support from larger social organizations. John Bird, CEO and founder of the Big Issue, says: "When you have money, and you know how to deal with it, then your choices are made freely. independence, choice and education. "

While social enterprise ideas can sound great and be really of help to all, they can also sometimes be difficult to finance and sustainability is another challenge. But MyBnk business model has a vision. "We are a mixed receiver social enterprise so we have a wide funding spectrum from pledges, to grants, to contracts and open market sales," Lapenna said.

Donations made to MyBnk go into core costs, product development costs and delivery costs. "We believe in minimum spending and maximum impact. We have that date managed to have a substantial impact working with 2000 young people on a very small budget," says Lapenna.

Lily Lapenna belongs to the many social entrepreneurs in rise today. She was inspired to set up MyBnk in response to a need, through a very powerful conversation with Michael Norton, a social entrepreneur and a columnist for The Leader World. "I was inspired to and because I realized while in Bangladesh that micro finance can be usedprisingly. Together with young people in the UK we have decided to use micro finance as an educational tool," she explains.

Having worked in Zimbabwe, Bangladesh, Italy, Thailand and the UK on her own projects and for NGOs like BRAC, Gemin-i.org and Plan International, Lapenna's work focuses on innovation in informal education and skill development for young people. "I am a true believer in facilitating change rather than creating or imposing it," she adds.

The article first appeared on The Leader World: http://www.theleaderworld.com

Used Computer Desk

A used computer desk can be a very handy and convenient item to the person who does not have very much extra cash to spare on this particular type of office furniture. The best part is the fact that a large number of individuals will often end up spending a lot less money and they can still end up with a product that is made of the highest quality of materials, with a lot more use to offer.

There are a wide variety of different choices that can be made in pre-owned desks and numerous other types of office furniture as well. You just might be amazed at the elegant styles and the unique designs that can be found in several different places that are known for selling pre-owned items. Many of the local newspapers in almost every city feature a qualified section where individuals and companies have the ability to list items that are selling such as a used computer desk or any other product they may have. Whether you are simply looking for a plain and simple design, a style that you can sit in the corner of your office, or a choice that offers you a look that shows a tremendous amount of elegance, if you will simply take the extra amount of time to explore all of your options you will soon find numerous choices available to you. There are many styles that are offered today that are made from the classic look found in a variety of beautiful and durable woods, glass and brass, metal, and other high quality and appealing materials that are used in their construction.

Other choices where you can easily find a used computer desk that is priced to fit almost any size budget would be thrift stores in your local area. This is an advantage that gives you the item that you need at a much lower price than what you would be able to find one at new prices. One place that is one of the most preferred methods to use among the numerous price conscious shoppers would be in using the Internet. There are tons of reliable and well-known websites that can easily be found online, and they feature several different styles in a huge selection of used computer desk choices that are made from some of the most trusted name brand manufacturers. Take your time, browse at your leisure, and enjoy some fantastic money saving prices.

Should You Be Concerned About Testicle Size?

A number of men find themselves worrying over testicle size, fearing that how big (or how small) they may affect their virility and sexual performance. The good news is that there is no truth to the rumor that having smaller testicles compromises a man's ability to give and enjoy good sex, or to father children. However, there may be ways in which testicle size can be an indication of a disease or disorder.

According to urologists, the testicles of a normal adult may range from 1.57 inches (four centimeters) to 2.75 inches (seven centimeters). If you find that yours measure less than 1.5 inches, you might want your doctor to take a look at the "family jewels." The testicles are responsible for producing the hormone testosterone (which determinates a man's libido level, among others) and spermatozoa. Smaller-than-normal testicles could indicate a hormonal problem, which could affect your masculinity and fertility.

Some men are also concerned with uneven testicle size; that is, when one side seems to be bigger than the other. This is absolutely normal and should not cause distress, except if there is swelling, pain, or if you feel a discernible lump. These could be early indications of testicular cancer, which commonly affects men between the ages of 19 and 44. This is why regular self-examination of the testicles is important; early early, testicular cancer is easy to treat.

If your testicles are in healthy condition, you really need not worry about their size. They grow to their full size once you become an adult, and there's really no scientifically proven or approved way to make them grow even bigger. If you're worried that the size of your testicles might affect the way women think of you, you might find comfort in the results of a survey that shows that women are generally turned off by very large ones or those that hang very low. For many women, medium-sized testicles are the ideal.

Genetics play a significant role in testicle size. Scientific studies suggest that, on average, Blacks have testicles that are up to twice as large as those of Asians' (and although this may affect the quantity of sperm produced by Asian men, it does not affect quality). The size of Caucasian men's testicles falls somewhere in between.

On the other hand, anthropological studies show that the size of a man's testicles may influence his level of promiscuity. It has been suggested by Allan and Barbara Pease in their book "Why Men Do not Listen, Women Can not Read Maps," that the bigger a man's testicles, the more inclined he is to be promiscuous and the greater his need to have sex more often. This is why eunuchs (castrated males) were placed in charge of the harems of the ancient Arab kings; they could be trusted not to lust after the king's concubines.

In today's world, a man need not be concerned that his testicle size will affect his looks, sexual performance, or fertility. As long as they're healthy and functioning as Nature intended, then there's no cause for alarm.

Can Wiping Too Hard Cause Hemroids?

Although wiping the anal or rectal area does not cause hemorrhoids, it can aggravate an already existing hemroid. Here, to prevent this, each bowel movement must be able to evacuate contents well.

In case of internal hemorrhoids, too much wiping can lead to bleeding. The bleeding may also be caused by scratches made by hard stool. In external hemorrhoids, bleeding may be caused by wiping too hard for a long time or by using a hard toilet paper. Scratches caused by hard stools are also accompanied with a lot of pain. In external hemorrhoids, wiping too hard or scratches by any other means may also result in bleeding.

Hemroids may also get aggravated due to diarrhea. The frequent bowel movements accompanied by the frequent wiping of the anal area, results in vein damage and worsened hemroids. Here, cure for diarrhea is a must to stop the worsening of hemroids. Also, ensure good hygiene during the time you are diarrheic, by washing your hands thoroughly, to prevent the disease transmission to others.

Wiping as a Cause of Hemorrhoids: Alternatives

Since wiping aggravates hemorrhoids, you must avoid doing it. Instead, you can use a jet or shower to clean the area. Using soap is not recommended, since that would further irritate the hemorrhoids. Using cool water for washing can get some relief. However, if you can not resist wiping, you must wet the tissue paper with cold water before using them on hemorrhoids.

Here are some natural remedial measures for relief from hemorrhoids:

You can use an ice pack and keep it on the affected area for about 15 minutes. You can make your own ice pack by mixing 30 percent smooching alcohol with 70 percent water in a lockable bag.

Another method of natural treatment is to use warm water tub for providing relief from hemorrhoids.

You should avoid eating fast foods, fatty or fried foods, or too much of dairy products.

Consume lots of vegetables and fruits and keep yourself hydrated by drinking water repeatedly. Fiber-rich diets help create softer stool which can pass easily without irritating the existing hemorrhoids.

Information about hemroids is your key to preventing the development or aggravation of this condition. Hemroids Info endeavors to give you a detailed knowledge about all aspects of hemroids.

Rights and Licenses Involved With Computer Application Software

Computer software applications have one function, to help the computer user use the computer more efficiently. Various applications exist for this purpose and all have very different functions including gaming software, productivity software and more. Some of the popular types of computer application software include enterprise software, media access and media development, product engineering and simulation, content access and content management.

Computer application software such as the Microsoft Office Suite is designed to allow the computer user to perform more productively in the office, school and other situations. Using the separate applications in the Suite, anyone can create word processing, presentations, spreadsheets, web page designs, image designs, collaboration and more.

One of the biggest problems with computer application software is the licensing rights involved with the development of the software. Intellectual property rights includes the copyright, patent or trademark involved with the software and its developer. These rights come in various forms of openness, or the ability to reproduce the software and they include abandonware, shareware, freeware, public domain and open source.

All computer application software programs have a single license or copyright and the software developer usually owns it. That developer then decides how to distribute the software and attaches the appropriate rights to it. Each of these rights has a specific way of distribution and the rights disallow anyone from using the code in any other programs without explicit permission from the owner of the rights. This code is what makes the computer application software run with the computer it is used on.

Freeware is free for anyone to use, even though it is still copyrighted. Abandonware is a form of stealing the software because copyright laws specifically state that anything with a copyright to be abandoned requires the original holder of the rights to be dead for at least 70 years or have sold the rights previously to someone who made them public. Shareware is the type that offers free trials then requires the user to pay at the end of the trial period.

Public Domain is when the author of the software declares that the code can never be copyrighted. Open Source is the most complicated because it can be free or one must pay for it. However, the difference with this software is that it gives the user the ability to use the code to develop derivative software applications from it. In most cases, this type of software requires an attribution to the original author and this is usually the only requirement if payment is not necessary.

A copy of licensed software is usually purchased with a product or license key. This key must be entered when the user installs the computer application program on the computer in question. In many cases, if the user of the program does not have the correct product or license key, the computer application software will not work, or has limited capabilities.

Additionally, when a person purchases a software application program, such as Microsoft programs, the person is buying a copy of the program itself and the right to use it. Making a copy of this copy is illegal, except as a back up copy with the intention to replace the original in the case of an unforeseen event or if permission is granted under the other types of licenses.