Should You SAVE or INVEST?

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Before you decide whether SHOULD YOU SAVE OR INVEST, here are some differences between saving and investing money.

Wondering whether you SHOULD YOU SAVE OR INVEST? It’s obviously a good question, but unfortunately, they are not the same. Many people don’t understand the differences between saving money and investing money. But both of them come with many benefits and can play a crucial role in helping you to reach your financial goals.

Difference between saving and investing

First, you have to know all the differences between both of them to decide whether SHOULD YOU SAVE OR INVEST. When you are saving your money, you are keeping your cash in the bank accounts or in a short term deposit. It sounds very easy but not many of us do it. When you are keeping your money in a savings account, it will only grow because of interest.  Interest can be daily/ monthly/ quarterly or some other time, which means you will get interested in the interest you have made on your main initial deposit.

This sounds like a good idea until you know that all the banks are currently offering a very low interest rated. So the problem is, when you are saving your money, it is very hard to grow. On the other hand, when you are investing your money, you are most likely buying an asset that has the potential to increase in value over time. The most popular investments are shares in companies, bonds, funds, and real estate.

Nowadays investing money is a lot easier than some years ago. This is only because of the new wave of companies who are using technology to make it more easily accessible. As a result not only you can get access to the global market but investing fees are also lower than ever. And the best things are- there is no middle-man involved in the process and you don’t need to have a large amount to start investing. So now you can decide whether SHOULD YOU SAVE OR INVEST.

But many people have one question in common

How much money should they invest when they are confused about

whether they SHOULD SAVE OR INVEST.

Well. If you research on the internet,  you will notice most financial experts say that saving money always comes before investing money. And from that, you can decide if YOU SHOULD SAVE OR INVEST. Because saving money is very important to create healthy money habits before you start investing. After saving some money, when you have a foundation to breathe a little easier, you are ready to invest. But always Keep your savings saved for any kind of emergencies and start investing 10-15% of your annual income.

Time plays a very crucial role in this matter. It can be one of the most important factors when you are confusedaboutwhether YOU SHOULD SAVE OR INVEST.

When you should start saving?

• If you have no savings at all
If you have no savings at all, you should start building a fund today for an emergency.

• If you are planning a big purchase in the next 0-10 years
If you are planning to purchase something big like a home, new car, etc in the near future, savings can help to make it happen. If you need your money after a short period of time, it is better to keep it in a savings account. That way there will be no risk of losing your money. Always remember, share markets may go up in value, but the path to making wealth can be a little rocky sometimes.

When you should start investing?

If you have already got an emergency savings fund, then it is the perfect time to start investing.

But wait!  Ask yourself three simple questions first that will help you to determine when you are ready to invest.

1. Do you have an emergency savings fund?

When you are choosing between saving or investing, you first need to look at what cash you have to fall back on if needed. As we mentioned earlier, according to experts,  it is very important to have an emergency fund before you start investing.

2. Are you committed to leaving your money for a longer period of time?

Investing your money means leaving your money in a place for at least 2-5 years. Not many people are committed to that.

3. Are you okay with the ups and downs of the market?

Longer-term investments can give you a huge amount of wealth, but you have to take more risks for that.

Lastly,

If your answer is no to any of the questions,  then it is best for you to focus on savings.  Ultimately savings is the first step of investing cash. Because without it,  you are not ready to take any risk of putting your money in the market. Now it will be easy for you to decide SHOULD YOU SAVE OR INVEST.

How Anurag’s venture of waste management is generating crore every year.

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Anurag belongs to Finance background and he started a venture of waste management to do something. The idea worked and he earns in crores now. 

With the increase in population, heaps of garbage are also increasing in every part of our country. This is a big reason to worry. We need someone to take initiative in this direction and start waste management in the right manner. Anurag Tiwari recognized this problem as an opportunity to create profit. You can see that earlier these heaps of garbage were only in the outskirts of the cities but now you can find them in the internal parts as well.

Dirt and pollution are putting a serious threat to the ecosystem. The spread of epidemic disease is becoming very common which is very harmful for the young generation and other people as well. We must take a step forward and do something for cleanliness.

Waste management business

Anurag Tiwari started a new company, which manages the garbage. This waste management company is working with great efficiency. The name of this company is Rekart. It is also associated with Municipal Corporation. It is working for the recycling of garbage. Employees of the company go to the doorstep of the General public.

Anurag belongs to Kurukshetra of Haryana. I started working for Bharti Airtel after the completion of his graduation. He worked there for 2 years. But he was never satisfied because he wanted to do something extraordinary in his life. He went to his friend Rishabh Bhatia.

Starting advertising

Both friends started advertising Enterprise and it worked very well. The turnover of their firm reached 5 to 10 crore per annum. But he still wanted to do something more. He wanted to earn nearly 100 crores per annum. He was dedicated to his dream. So he came up with new ideas and started working for waste management to earn more.

During his routine day, he was going to Gurgaon from Faridabad. He noticed an unusual hill of garbage on the roadside. He noticed and found that most of the garbage was recyclable. Hair an idea of recycling business came to his mind. He thought it would be a great way to clean the city and do waste management for the city properly. This way he can do both things simultaneously.

Transforming idea into reality  

He transformed his idea into reality and discussed everything with his friends Rishabh and Venkatesh. Both friends agreed to join him in his venture of waste management and recycling. They winded up the advertisement company, formed the new company, and named it Rekart. This company started working by the collection of waste material. The company covers 25 lacs home of Delhi. This company also covers nearly 50 Apartments of Gurgaon.

Expansion of company

Gradually the size of the company increased and now they have turnover which is 15 crore Rupees. However, they are putting their heart and soul to make this company successful. More than 11 employees are working with them at present on the company’s payroll. Anurag has mentioned that waste material management can be done in two methods. First, we need to divide the waste material into categories viz. dry waste material and wet waste material.

Recycling

They are sending dry waste material for recycling and wet waste material to generate electricity and urea. He has also helped to improve the quality of garbage collectors and junk dealers who are working with him. Garbage collectors were only able to make a hundred or 200 rupees in a day through their waste management methods. Now they can make nearly 700 rupees per day. This is bringing a considerable change in the life of junk dealers as well. Nearly a hundred junk dealers are attached and many good reforms are there in their life.

Anurag is quite concerned about collection, transportation, recycle, and proper waste management. Many types of materials are included in it. The material, which they prefer to manage, includes plastic cardboard metal and biometric waste as well. Consumers can also give them a call for the collection of waste.

Google Task mate – A new place to find employment

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Google company is working with its new app – Task Mate. Soon it will be available for everyone. You can find a task and complete it to earn. 

The app, Task mate of Google is working in the direction of helping users to find the particular paid task and complete it through their Smartphone. The technology giant company Google is testing its new application namely Task Mate in India. This app work on a mechanism where it allows the users to work on the various tasks is on the app.

Source of info – Task mate

The information about the app was first published on 9to5google citing a Reddit post. This is a beta version and Google is running this particular application on a trial basis with some selected tester. At this moment, the application is only accessible for the selected users who possess the necessary referral code to run Task Mate.

However, you can see the application visible in the Google play store. This means that if you do not have the referral code there is no benefit to download it because you will not be able to use it. The company has given in the notifications that soon this particular app will be able for the general users.

Working methods of app

The app, Task mate is working in a mechanism where the nearby business houses will be attaching. With the application, they will try to get their various tasks done by the users. This means that nearby business houses will be posting their tasks. So, they can complete their work at the right time without any complication. Now you must be wondering about the type of tasks that are being posted on the application for completion. Well, the tasks, divided into various categories. In this Task Mate beta app, by Google, you will be getting various tasks as per your capacity and ability to complete.

Understand work example 

You can understand by taking the example that someone wants you to click the photo of a nearby restaurant. Or someone wants you to complete a particular survey about some products or services. Furthermore, this can include very simple tasks. For example, to translate a sentence from English to any other language.

Google has given more insight into the working method on their Task Mate app by sharing examples of work. They said that users could work in two different methods viz. Field Tasks, Sitting Tasks. The users will make the choice and they can choose to skip the tasks if they are not feeling comfortable with it. The best part about working with the app is that users can complete the tasks from anywhere.

Payment methods

No doubt, The Task mate app will be generating good employment opportunities for everyone. Giving them a chance to earn from their geographical locations as well. On the completion of the task, users will be able to get payment in the local currency as well. They will need to have a third-party payment processor as the terms of application.

Task Mate will have some payment partners. When the users are ready to take out their earned money in a local currency, they need to share the details of an e-wallet or account. The cash-out button is there on every profile page; the users need to hit the button to start the transaction. As per the descriptions says this is as easy as doing a transaction on the other applications.

Coming soon

The application, Task mate is running on its trail basis. At present, only the selected users are there who are using a referral code. We hope that soon this application will be available in the market. This is certainly going to be good news for those who prefer to find suitable work on their smartphone.

Cosmetic business transformed the lives of two friends Radhe Shyam Agarwal and Radhe Shyam Goenka

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Radheshyam Agarwal & Radheshyam Goenka started their life together in school and business. Their cosmetic business succeeded and they earn well.

At present friendship is a controversial term in society. Most of the parents think that friendship can destroy the career path of their child. Nevertheless, today we are going to tell you a very inspirational story about two friends, which is setting an example for others in the cosmetic business. Two first-generation entrepreneurs set a new racket. They are friends but working for the benefit of each other. Since their childhood, they are in touch with each other. Now they have built an Empire of 8800 crores. They became a friend in school. Both were also good in sports and games as well and later on their joined business together and set a new example of success.

Cosmetic Business

It is confident that both have the same first name Radhe Shyam Agarwal and Radhe Shyam Goenka. One good thing is that their thoughts and dreams are also similar. Both started working in the cosmetic market to start their career in the business sector. They also went to the same college and spent considerable time together. To sell their product in the market they started again with glue and cardboard. Daily packed things and started selling them in the market. This started a shop-to-shop selling business in Kolkata Bada Bazar. This was the starting of their cosmetic business.

Initial struggle

Both the guys were struggling very hard in the market but could not succeed despite the hard work. Father of Radheshyam Goenka noticed this fact and thought of a plan to help them out. Going cost father offered 20 thousand rupees in hand to both the friends. Both friends agreed on a fact of 50% partnership in the business. They started Chemco chemical but unfortunately, this also did not work for them. Destiny may have thought something else for both friends. This worked well for their cosmetic business.

Changing personal life

With the advent of time, their personal life also changed. Both friends got married. Now new economic pressure was there on both friends. They have to be more responsible for their family and have to increase the mean of earning. Due to this reason, both friends started looking for new business opportunities to earn more and have a stable income from the business.

Working for Birla Group

Meanwhile, he also got a chance to work for Birla Group. But this was employment. However, he used this particular job as his learning time and he spends considerable time learning the new tricks from the business. He gained much experience from this job and decided to utilize this particular experience in the business. Considering this he quit the job and started working for him.

Using the experience for Emami Brand

Again they decided to work in the direction of the business of cosmetic products. This time he made up a mind to target middle-class families and their requirements in India. He started when is saying clean and named it Emami. Literally, there is no meaning of Emami but it sounds like an Italian name so he liked this name and preferred it for the newly launched cream. He thought that this might secure a permanent place in the heart of middle-class Indian families. Fortunately there Idea worked well. The cream got popular. They worked on the branding packing and appearance of the cream and gave a mind-blowing look to it.

Endless success

They never expected to get such huge success in life. Gradually the demand for green increased Without Plastic rate. It also left behind the Ponds brand which is said to be Emperor of the powder industry. New experiment and Direct customer relationship became their strength. Gradually they also launched other creams and products. The brand becomes popular with an overall worth of 500 crores. They started hiring many superstars for the advertisement of care for various cosmetic products. Today Emami turn over is more than 8800 crore rupees. They have set a new example of friendship. They also launched fairness cream for men which also got succeeded and they backed huge profit from that.

Arham made the world record as the youngest programmer

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Arham is from Ahmedabad and now he is the talk of the town because of breaking the world record of being the youngest programmer. 

Computer programming is always considered as one of the complex activity. However, can you believe in the fact that Arham is just a six years old person has broken the world record? He is the youngest programmer and now everyone is talking about this genuine person. This full name is Arham Om Talsania and he is a student of the second standard. Children his age hardly know anything about computers but he is making every surprise with his wonderful talent. He has cleared the World-class Microsoft certification exam at the person VUE test center. 

The journey of the youngest programmer

The journey to this was very interesting and inspirational for everyone. At this age, he has done a remarkable world which many people cannot do in their whole life. He has started coding at an early age. But more interesting knowledge about the steps of the journey is more interesting and inspirational for every child and parent as well. It is not just about the program but this is a great story that can inspire everyone to do something better with the available resources in this life. 

You will be surprised to know that at the age of two his father taught him coding on the tablet pc. At the age of six, he bought gadgets and started learning with programs like iOS and Windows. Later on, Talsania came to know that his father was a Python programmer. This is a wonderful journey of being the youngest programmer. The father and son have a great bonding of love and this has helped them to become famous in the entire world.

Dream of youngest programmer 

Talsania has a dream of becoming a big businessperson helping everyone. He is passionate about making applications, games, and systems for coding. He is kind-hearted and wanted to help poor and needy people in the future with these earnings. His father said that after noticing the interest in coding in his child, he started giving him basic knowledge about programming. This worked well and everything went in the right direction. 

Play way method 

Everything was quite interesting the child started learning everything with the interest. This developed into a hobby and passion. When things work well in the direction, he developed an interest and wanted to have more knowledge. Everything started in a play way manner and children learn quickly with the help of games. Games can do wonderful work for the children and make everything easy for them. Even the most complicated things are easy when they are attached to games. Play way method made history and now we have the youngest programmer. 

What does the father say?

Talsania’s father said he noticed that his son has a good interest in various types of gadgets. He started playing games on the tablet device. He starts solving the various puzzles and this is how his interest kept on increasing. Gradually his son developed a great interest in playing the various games and thought to create a wonderful game on his own. Talsania noticed the activities of his father when he used to make programs. This youngest programmer got more curious. 

Learning programs 

His father started working on him and taught him basic programs so that he can create his own games to play on the tablet. Thought these were not complicated or big games but small games, which can be made by basic knowledge of coding and programming. Furthermore, he also got recognition from a Microsoft Technology associate. This encourages them a lot and they came with the idea of applying for the world record as well. Now he is famous as the youngest programmer. 

List of the top sectors with the highest paying job

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Everyone wants a high paying job. If you are planning to look for high paying jobs then here is a list of some of the best and top high paying jobs.

If you are just beginning your career and you need to choose a job for yourself but are uncertain about what is the best option for you here are some of the most accurate and beneficial data which can help you move ahead. If you are wondering about the industries that offer the best paying jobs, here is a list that can help you make a decision for yourself.

• Financial, Insurance and Banking Services

The financial services insurance and banking sector is one of the highest-paid industries in India. Working in these types of jobs requires a person who is good with numbers and has a solid grasp of economics and even the law. As a result, the industry attracts the most talented and dynamic individuals from around the country who are not only motivated but can thrive under pressure. This industry includes various jobs such as financial manager and Controller, portfolio manager,  financial analyst, and much more. Having the right skills is one of the most important things if you want to succeed in the financial sector.

• IT Services

The IT industry is a lucrative sector with a lot of long term career prospects. However, the skills which are required and in-demand are always evolving. Some of the highest paid jobs which are in demand in the IT sector include software developer, network administrator, business analyst, IT consultant, network engineer, and much more. These are some of the traditional job avenues available in the sector of IT services. Not only this, various cognitive system engineer specialists and blockchain engineers are emerging as some of the most popular new-age careers. Depending on the job you will be taking up different levels of expertise are required. Given the dynamic nature of the sector, it is imperative that you keep updating your technical skills.

• Construction Industry

The construction industry is one of the major jobs under demand. Sometimes the real estate sector may slow down but the construction industry continues to be a good and lucrative industry. Recently the government has started boosting the various construction sectors to further various types of foreign investments and incomes to further various types of foreign investments which will surely create a higher number of jobs in the sector. This industry also offers a wide spectrum of career options to all kinds of experts.

• Transport, Communication, and Logistics

Regarded as the backbone of any economy the Logistics and transport selected deals with the flow of goods which give the business and commercial establishments running. Logistics and transport also include the road transport sector, storage, and warehouse sector as well as the third party Logistics.

According to the National Skill Development Corporation, the transport logistics and Communication sector will need more than 28 million people by the year 2022. The transport industry offers various career opportunities in customer service procurement, distribution management, inventory management, supply chain, and much more. However, this industry requires several soft skills including commercial awareness, problem-solving skills, and the ability to think logically and quickly. Those people who are excellent at team building and interpersonal skills have the best opportunities in this sector.

• Legal Consultancy

The marketing and legal consultancy industry has been growing immensely in the recent few years. More and more growth is being speculated in the marketing industry. The center offers a wide variety of career opportunities encompassing a wide range of training experiences and skills. Some of the most common jobs available in the marketing consultancy sector include litigation, corporate counsel, judicial and civil services, and much more. This sector has been growing vastly thanks to the ever-increasing economic expansion all around the country.

Marketing consultants deal with a lot of businesses and organizations which provide services such as market surveys, identification of profitable opportunities, acquisition studies, and much more.

There is no doubt that salary is an important factor while making a career choice but it should never be the only consideration. Career satisfaction can only be achieved at the intersection of passion, talent, growth prospects, decent salary, and a good work-life balance. Securing an ideal balance is the most important challenge which must forever be kept in mind while looking for any job opportunities.

Ajeet Oak invented the tiger toilet to bring revolution to its health & sanitization industry.

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Tiger toilets are the great invention of Ajeet Oak and they are providing an excellent solution to meet the demand for health and sanitization in India. Health and sensitization is the current topic in the entire world. Unfortunately, most rural parts of India do not have good health and sanitization facilities including toilets. The government has taken any steps in this regard but something revolutionary is needed to cover such a large area. This is the biggest challenge that we have to face to provide a neat and clean environment for the coming generations.

Innovation in health and sanitization

Today we are going to talk about a new type of toilet in which worms are used in place of water to keep everything neat and clean and we are expecting that it can help India to transform into a healthier place to live.

Innovative solutions are always in high demand because of the cost-effectiveness and feasibility to cover the large sanitary demand of India. The Government of India has also launched a Central rural sanitation program in 1986. This was launched to give good quality of life to the Indian citizens. But unfortunately, there is no big change is seen when it comes to rural areas of India. Health and sanitization is still a big challenge there.

Tiger toilets are great 

Most of the people don’t even know about the modern methods of using the toilet, maintenance, and benefits of having a good toilet at home or at working place. Most of the rural citizens still go out and do the toilet in open. The functional serial system is still it is unknown in many parts of India. Media is playing a great role in the Awareness of Health and sanitization but still, there are many things to be done yet.

In this direction, one unique solution was seen in 2015. Unique toilets are built in entire India and they are working perfectly. Worms are used in it to make it function properly without the addition of maintenance costs. Nearly 40,000 units are working perfectly in entire India, which is a Revolutionary step for the health and sanitation condition.

Easy working methods 

Now you must be wondering what is special about this toilet which works with the help of worms. There is not a traditional flushing system in modern toilets. They look like any ordinary pit latrines. They have biological agents which are called Tiger worms. 

These worms can naturally breathe in any environment, you can also find them in cow dung and horse dung. These worms can break down human waste efficiently and they can keep everything neat and clean. The good thing is that we can save water by using these bio-toilets. You should know that water is also so the biggest challenge in India with health and sanitization conditions.

What director says about it?

Mr. Ajit oak is the director of the Tiger toilet project in India and he said that these worms cannot survive without human waste on the soil. They need to have human waste to survive so they do not want to escape from the bio-toilet. This mechanism of the toilet can bring a revolution in India where health and sanitization conditions are very poor in rural areas and it is a big challenge for the government as well.

No need for drainage pipe or sewer

The tiger toilets can survive without the conventional drainage pipes for the mainline sewer. The total cost to build a tiger toilet is nearby 25,000 Indian rupees. The working mechanism of the Tiger toilet is very simple. When a human being is done with the natural cal they only need a very small amount of water to transfer the human waste into a worm field chamber.

Eco friendly and safe 

The worms the entire system is eco-friendly will do the rest of the things and it does not let the mosquitoes and flies to take birth in the human waste. This can keep the entire atmosphere neat and clean and there is no threat of spreading serious disease because of human waste. The tiger toilets do not leave pathogens behind them. This is a perfect example of waste management as well in the health and sanitization industry.

The success story of Mr. Prassana Patwardhan

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Success is all about struggle and hardships. The only way to succeed is by working and putting in the right amount of effort. Put your hand up if you watch a motivational video, especially those videos that motive you for a successful life. Put your hand up if you have tried to execute those motivational thoughts in your life, but you ended up with a broken heart. I can assume that there are many hands up in the air, supporting the statement I presented. The life around us is quite busy, and everyone is a member of a rat race. Someone is holding a whip and ordering us to run- you have to win. And this someone is our Destiny. 

To survive the competition, we have set a benchmark for yourself. When we fail to accomplish the goal, we have aimed. We mark Ourselves as a failure and start watching all these motivational videos. But the truth is the reality is too hard! A video won’t be able to motivate us.

If you feel like failing, every time you need to go through this post. I have a very interesting and inspiring memoir that can inspire you in real life. A success story based on reality can inspire you to the utmost. Hence don’t miss the write-up on a person who has brought a new revolution in the world of mobility solutions. 

An Inspiring Story Of A Young Basketball Player.

In 1962, a small boy was born in Pune into a conventional Maharashtrian joint family. He grew up with lots of love from the 24 other members of his family. Out of love and respect, the boy’s family members gave the name Prassana (satisfied from the heart). His father used to run a traveling business. But Prassana wanted to be a basketball player. 

His upbringing was similar to another Maharashtrian family. He completed his schooling at Nutan Marathi school. After completion of schooling, he graduated in science from Fergusson and completed the management degree from symbiosis. 

Prassana wanted to be a sportsman from very childhood days, so he joined the Maharashtra basketball team. He has represented India as a captain and later as a coach of the Maharashtrian team. But one accident made him stay away from sports for the rest of his life. 

Once Prassana said, “ If I would have continued as a sportsperson, then all this wouldn’t have happened, and I would’ve probably have become a TC (ticket collector) in the railways at the end of my career.” 

Stepping into a new life. 

Prasanna has to leave his passion due to his knee injury. He was not prepared for such a significant change. Destiny deceived him, but that didn’t stop him from growing into a star. He joined his family business. His father used to run a taxi service in Pune. His father kept the name of the company on his name- Prassana travelers. 

The Prassana Travels. 

With the magical touch of Prassana Patwardhan, the business, which started with 4 taxis in 1964, transformed into a big giant in transportation. With 30+ experience, 240+ million passengers, 95 million kilometers journey, 1200+ vehicles, 4000+ manpower, 85+ serving city, Prassana purple has become a Brand in the Mobility solution. His magical touch and innovative thought process bound his destiny to acknowledge defeat in front of him. 

There was a time Prassana Patwardhan, The Ceo of Prasanna Purple, had to face a critical time in his business. The chief client of the mother company (Prasanna Travels ) dejected the taxi service. This was the time when the company had to face a setback. Mr. Patwardhan stepped into the business world to support his father. 

From Prassana Travel to Prassana Purple.

From 1985, something new started in the office of Prassana Travels. He joined as CEO and started working on modernizing the company. It took almost 6 months to rebuild everything and give a contemporary look to the business. He started working on grabbing a new customer. Due to the lack of drivers, he has to drive the bus. And with time, the turnover of Prassana travel tripled — It started from 3 lakhs per annum in 1985 within 10 years, the turnover of the company was 10 crore. 

The Parting thought. 

This story will inspire those people who want to take their family business to another level. The most exciting thing about Mr. Prassana is that he never let him feel like a failure. He has taken every challenge sportingly like a true sportsman. He has to live his passion, but that didn’t stop him from being a Brand. Today he is a Brand in the world of mobility. If you feel low, always remember the story of Mr. Prassana Patwardhan, The CEO of Prassana Purple Mobility Solutions Pvt. Ltd.

Sangeeta joined the grape farming business and earning lakhs every year

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Sangeeta joined grape farming after the death of her husband. She faced many difficulties with a loan of 30 lacks. She earns 40 lacks every year. 

Sangeeta joined grape farming after the death of her husband. She faced many difficulties with a loan of 30 lacks. She earns 40 lacks every year. 

Grape farming business 

Sangeeta Boraste is a grape farmer from Niphad taluka, Nashik. But when she handled the business of farming there was a 30 lakh loan on the business. Her late husband took this loan to run the business but when there was time to harvest the crops, he passed away. In the critical situation, to deal with the financial crisis Sangeeta Boraste had to take care of everything. She decided to join the business of grape farming and take good care of it. 

Her story started years ago when she was just fifteen and got married to Arun. She moved to Niphad. This particular region is well famous for grape cultivation. But life was not so easy for her. She states that due to some disputes in the family, her family was divided in 1991 and her husband received 10 acres of ancestral cultivation land after the division of her family. Here the struggle of the couple started with the grape farming business. 

Starting a business of grape farming 

Arun used to work in the bank but he has to quit is a job to learn farming from scratch and take care of the land which was famous for the cultivation of the grape vineyards. Cultivation and farming are not that easy and at the start, they have to face the loss. Indeed, they have to sell the 2.5 acres of the land to repay the loan amount as Sangeeta told. They did this to continue with the grape farming business.  

A tragic turn in life 

Years after struggle a good time was about to come and fresh plantation of the grape about to bear the fruit. This could help them a lot and resolve the issue of financial loss. But fate was something else and they were about to see the darkest phase of life. Her husband passed away before the harvest season and there was a question of survival for them. They started thinking about the three daughters and one son who was the sole responsibility of the Sangeeta now. Only seven acres of the land as left for grape farming but there was a pending loan of 30 lakh as well. 

Take care of business 

She had not to option left than taking everything in her hand and she jumped into the business of her husband. Now she was there in the field with the labor but with no basic knowledge about farming. She started working and she recalls now that she struggle really hard and started learning everything related to grape farming. One Diwali night she was stuck in the field with the tractor and spent hours there. 

In the starting, there were many family members and friends to help her out but after a certain point of time, only her younger son and nephew were there to help her out in the grape farming. Gradually they worked hard and tried their best to improve the situation. 

Weather is a challenge too

Grapevines are very sensitive and thus high level of care is required. She mentioned that during the year she faces great weather challenges. From drought to heavy storms she faced everything. She also mentioned that sometimes she had to stay on the farm to keep the grapevines warm with a bonfire.  All these things related to grape farming were quite challenging for her. She took the help from Sahyadri Farms to sell her grapes in the international market as well. She worked hard and improved the quality of the grapes to make sure that her harvest gets export clearance. Now she has paid her debt with the income and early forty lakh Indian rupees every year with it. 

Few Things to Keep in Mind for your Startup Business

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A successful business startup is the one where you should know a few things to keep in mind for your startup business. One must go through different ideas for a startup.

It’s 2020, and most of us want to have our own identity, our own finances, and we also live in a Startup. Most of you might think of doing a business startup, where you would own a startup business, and you will be the boss. Most of you might have ideas for that too. Some ideas might be decent and reliable, but some are not too good. Also, businesses are an essential component of any economy.

Sometimes, there’s a great difference between creating a successful startup business and having a great idea for it. Ideas not always work. Don’t get me wrong- I’m not trying to demotivate you, but it’s not an easy job, you must have the patience for that. You have to face a lot of things and must give your dedication, hard work, some sleepless nights, and even have to face some failures but never give up.

You must be wondering about countless things before your startup, but you must have a look and keep in mind a few things before your startup that I’ve narrowed down below.

• Be sure and do proper research about the industry

One of the most important things before placing your ideas for a startup is to think and have knowledge about the industry you are planning to get in. Researching before getting in is crucial for a successful business. Also, just by working a few years in the industry, you must not claim you know it very well. A deep understanding of the industry is important, and you must do careful research based on market data. It is an industry that has good growth potential, and knowing about it above the head will be a great step to success. Also, while researching, you must ensure by keeping things in prospect to your sector, the profitability, and growth.

• Know your competitors

Based on your sector or your products, you must do slight research about your competitors. You must know what are their top ideas, what are their offerings, and their position in the business field. If you keep having this knowledge, you will have an idea of your strengths and weaknesses. Whatever competition it is, knowing your enemy is as important as knowing your strength. Also, if you can’t get the proper information from the sources, you can also visit their stores and study the products they offer and the type of customers they serve. After knowing their strengths, you must be a little worried, but after you calm yourself down you will be able to use your strength against it. Giving a strong competition to your opponent is what you need to do.

• Secure funding

Funding is one of the most important factors before starting any business. Nothing is possible without funding in this industry, and if you don’t have your own fund, you must look and take help from other sources. It is important to arrange proper funding for your business and must keep ready for the possibility of fall-back too. Actually, most people think it’s an easy job to start a business having top business ideas, but it costs more than people usually think. So, you must proceed carefully and the funds you are getting from must be secured and reliable.

• Good website and active presence on social media

So, it has become a necessity for all the business personalities for having a good website for their company in this modern era. We are all dependent upon websites and social media, so it’s a great step to make your products reach to maximum people through social media. Also, creating a website will be the cheapest of all and also the most efficient one. But you must make sure to start your website on a healthy platform. These days it isn’t hard to open such websites.

• Prepare for everything

Always try to solve the problems, never create one. Sometimes we can’t have everything that we want, and things go out of our hands, specifically in the business field. You must be prepared for every consequence you are going to face after starting your business. You must be ready to be poor again. Startup Business is just like a wave, sometimes you will find yourself at the top, sometimes below.

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