How Dhirubhai Ambani taught us the most important lessons of life

Dhirubhai Ambani famous Indian Entrepreneur, business tycoon, Legendary Bussiness Leader, Creative Mind, all these terms are still less to acknowledge his brilliance. A former student of Junagadh’s Bhadhur Kanji High School, who once lived in a one room chawl in Mumbai is now ranked amongst the list of world’s Richest man by Forbes with an estimated income of $2.9 billion in 2002.

This man with the vision of dream big has taken India very far and is also a true inspiration for us an individual.There are his few closets which will give a fresh new start towards life.

1.Never fall short gathering information, whatever it maybe – Government, local, state, central, products, companies, market, services, people whatever it may be, welcome it all.

2.Seek opportunities, not fortune- In a famous quote by him “There is no invitation for making profits” You always have to find them. Convert all your information to productive profit-making opportunities.

3.Master your work and always take next step- No matter what your work is master it all. and always be ready to jump to next orbit, higher orbit.

4.Meet your requirements on time- Always have timelines and make sure to perform your task within defined duration. Constraints and complexities should not affect you.
Beat those deadlines!

5.Don’t change the rules, change the way they rule us- The statement itself says it all. Don’t just let them restrict the creative you in you.

6.Take risk When we stop taking the risk, we stop experimenting and even eventually stop living.

“If you don’t build your dream, Someone else will hire you to help them build theirs”



Why dine out when you can cook at home? Maybe because dining out is convenient, delicious, and the possibility of burning down the house is minimal.


Health Benefits

According to the Centers for Disease Control and Prevention, 90% of Indians are surpassing the FDA recommended daily intake of sodium (more than 2,400 milligrams per day).

Where are we consuming all this salt? The vast majority of our intake comes from restaurants and processed foods. Excessive consumption of salt can lead to high blood pressure, cardiovascular disease, stomach cancer and more.

Portion sizes served at restaurants aren’t doing our health any favors either. Portions have grown 138% since the 1970s; at the same time, obesity in America has risen as well. Obesity can lead to poor health including diseases such as Type 2 diabetes and coronary heart disease, as well as an increase in bad cholesterol, some cancers and much more.

There is good news! You have the power to be your own chef! When you cook at home, you take control of your health. You call the shots on your food selection, sodium intake, and portion size; significantly reducing your risk of health issues.

The Undeniable Health And Social Benefits Of Eating Home-Cooked Meals

There’s no denying the fact that cooking at home more often will have a positive affect on your pocketbook. If that’s not incentive enough for you to start making more meals at home, have found five other benefits — health and social — to eating home-cooked meals. From reducing your carbon footprint to living a longer life, getting out your pots and pans is obviously a better idea than reaching for the take-out menu.


Financial Savings

Cooking at home also has financial benefits. Currently, U.S. adults devote a third of their spendings on meals prepared away from home. This can be reduced simply by picking up those kitchen utensils and putting them to good use.

Cooking at home saves money.

What better reason is there for you to start cooking at home other than the fact that it saves you money?

If the average bill per person for one meal at a casual restaurant is Rs200-500and you eat out five times a week, your dinner bill for one month would be $275. For the same amount, you can probably shop for healthy, cheap raw ingredients that you can cook as delicious meals at home.

When eating out, you would have to dress up, use up gas on the car to visit a local restaurant, spend money on tips and the meal itself – you are actually spending more than what you have to. Doing this too frequently will definitely take its toll on your budget. If you would like to save some serious cash, spend your food money wisely by cooking every meal you’re consuming.

You’ll see immediate savings when cooking at home, but the long-term savings are associated with your healthcare costs. As we know, cooking at home can lead to a healthier lifestyle, which in turn can result in lower medical expenses. According to, health- and work-related expenses for an obese woman cost $4,789 more than a woman of average weight; for an obese man, it would cost $2,646 more than a man of average weight.

So save the option of dining out for special occasions. If you cook at home more often, you might be able to afford to really splurge when going out!

Bon apetit!


How to save every month

In our previous article “Moms: Perfect Financial Role Models” we mentioned how moms make us realize and understand the difference between what you need and what you want.And also planning is always a key factor to make you understand who you are, how you see your future endeavor. Here are few tips to plan your month by the team of quick credit:

1.Budgeting- Most of the time you might not know which way you are going or how your day will be ending, maybe partying with friends or taking out your wife for shopping. For all such uncertain plans, you should predefine your budget in order to maintain your expenses for the entire month.

Increase your saving Graph

2.Cut down excess spending- To start with this particular one you need to look at the past expenses and track where your money is going and then make necessary adjustments.

3.Grocery Routine- This might sound flimsy but important, you can save a ton with few sacrifices and some practices.

4.Reduce Energy Cost- When we talk on this particular topic it somehow takes us to a new level of responsibilities which we as an individual need to fulfill for the society and for our future generation.
Turn off the fans and lights when you are not home!
Don’t just pile up water bill washing cars and pets.

5.Avoid Impulsive Purchase decisions- Always stick on large purchase which doesn’t need to be an immediate decision.Less trip to stores and few clicks on the web.

6.Make Alternative Choices- According to your monthly budgeting if you already spend a lot so, it’s a smart idea to make alternative choices. Wanted to take her out for dinner and movie? why not home theater and some good home food.

India is celebrating Financial Literacy week, June 5th-9th

Considered, many people these days are facing financial anxiety and are still searching for answers. Regrettably, there are no easy answers for this. Consumers these days are flooded with credit opportunities by various banks and institutions.But, without facts and comprehensions, it’s easy to end into financial troubles.

suit up forthe occasion

Like former times, cash isn’t essentially the only way to purchase. Since when Bitcoin and cryptocurrency were introduced, the way people use payment gateways has changed. Even the way of shopping changed, creating plentiful opportunities to use and drain the credit and much easier way to acquire debt.

In order to educate people more & more and create awareness amongst the people, Reserve Bank Of India is celebrating the week June 5-9 as “Financial Literacy week” across the country starting from Jammu and Kashmir. The main objective behind this is to not only improve the financial behavior of people but also create a sense of Financial Inclusion.All the messages are selected from common man’s perspective and are planned to market at common places like Banks, ATM’s.

Improvement in Financial literacy will have a wise and profound effect on the society pitfalls of debt

Challenges Faced By Fintech

Technology is evolving essentially, every aspect of the financial world is no exception. British Chancellor of Exchequer, Phillip Hammond Championed fintech during Uk-India Fintech Conference held on 05 April 17, in Mumbai, India, for its ability to revolutionalize our life’s. Along with topics like Artificial Intelligence, biotech and robotics, Fintech was recognized as ‘Fourth Industrial Revolution’.

However, these developments are not without their challenges!



For global financial institutions, fintech has become a disruptive market.
It’s also very interesting to see how banks are dealing with fintech these days, some are ignoring them and some are partnering with them. Maybe because banks need faster growth in the market.

It’s always a difficult exercise to replace the traditional operation in the market.But, with remarkable technology growth peer to peer platforms and digital currencies were born, delivering real benefit to a lot of people.In this race of development, Fintech has already bypassed personalized banking system.

The one and the most important thing with the Fintech is to know which segment you want to partner with, which are the areas you are looking forward for fintech to compliment, that can be a lending space, payment space, security, treasury, trade finance, so depending on your priorities you pick up your Fintech space. And then comes the research and kind of innovations. When all the factors are taken into consideration Location is last and the most important one.

The new world of Finance is indubitably exciting, but not without its challenges.