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The Simple Joys of Doing Nothing

In a world that celebrates constant productivity, the idea of doing nothing feels almost rebellious. But every now and then, stepping back from the hustle and allowing yourself to simply be can be one of the most rewarding experiences. Doing nothing isn’t about laziness—it’s about creating space to recharge, reflect, and reconnect with yourself. Why We Struggle with Doing Nothing We live in a culture that equates busyness with success. From endless to-do lists to the pressure of multitasking, it feels like there’s always something demanding our attention. Even during moments of rest, many of us feel guilty or anxious, worrying about what we’re not doing. This mindset often stems from the fear of being left behind or the belief that our worth is tied to our achievements. But the truth is, constantly being “on” isn’t sustainable. Without moments of pause, we risk burnout and lose the ability to truly enjoy life. The Benefits of Doing Nothing Mental Clarity When your brain isn’t preoccu...
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AUM and Disbursements: What NBFCs Can Teach the Banking Sector

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As a banking professional, I find it fascinating to track how Non-Banking Financial Companies (NBFCs) operate. Their growth strategies often provide insights that banks can learn from, especially when it comes to metrics like Assets Under Management (AUM) and disbursements. These numbers tell a lot about a company’s market reach, operational efficiency, and risk management capabilities. What is AUM, and Why Does It Matter? AUM, or Assets Under Management, represents the total value of assets that an NBFC manages for its customers. It’s a key measure of growth and market presence. When an NBFC reports rising AUM, it means they’re lending more and expanding their customer base. Unlike banks, which often have stricter lending criteria, NBFCs tend to be more flexible and focus on specific niches like housing finance, personal loans, or vehicle financing. This allows them to cater to underserved markets, contributing to steady AUM growth. NBFCs Excelling in AUM Growth Some NBFCs have consis...
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Tackling Stress: Everyday Habits to Find Your Calm

Stress is a constant companion for many of us, whether it stems from work, relationships, or daily responsibilities. While a little stress can motivate us, too much of it can take a toll on our mental and physical health. The good news? Small, everyday habits can help you manage stress effectively and bring balance to your life. Start Your Day Right Mornings set the tone for the rest of the day. Begin with simple practices like stretching, meditation, or sipping your favorite tea mindfully. A few deep breaths can help you feel centered and better prepared to face the challenges ahead. Prioritize Your Tasks Feeling overwhelmed often comes from trying to juggle too many things at once. Start by writing a to-do list and focus on one task at a time. Tackling smaller tasks first can build momentum, while breaking larger projects into manageable steps reduces anxiety. Move Your Body Exercise isn’t just about staying fit—it’s one of the best stress relievers out there. Whether it’s a brisk wa...
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190 Crore Fundraising Through NCDs: A Simple Investment Opportunity

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For someone new to the world of investing, understanding where to start can feel overwhelming. Stocks go up and down, mutual funds need research, and savings accounts often give you less than inflation. Enter Non-Convertible Debentures (NCDs) —an option that’s straightforward, secure, and offers fixed returns. Recently, a financial services firm announced it would raise Rs 190 crore through NCDs. Let’s break down what this means and how it could fit into your investment journey. What Are NCDs? Think of NCDs as a way for companies to borrow money directly from people like you and me instead of going to a bank. In return, they promise to pay interest at a fixed rate, much like a loan. What makes these NCDs unique is that they’re backed by company assets, making them more secure. Here’s the exciting part: the NCDs being offered here have a coupon rate that’s 2% higher than the market benchmark. So, instead of leaving your money idle in a savings account, you could earn better returns with...
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Winter Wardrobe: What I Tried and Loved This Season

Winter fashion is all about staying cozy while looking chic. This year, I decided to refresh my wardrobe with some timeless pieces and a few trendy additions to see what worked best for me. From layering essentials to statement accessories, here’s what kept me warm and stylish during the chilly months. Layering Like a Pro Turtlenecks Turtlenecks turned out to be my go-to base layer. They’re versatile, warm, and can be dressed up or down. I paired them with blazers for a polished look or layered them under chunky sweaters for extra warmth. Neutral colors like black, beige, and grey were my favorites because they went with everything. Thermal Leggings A winter must-have! I discovered fleece-lined leggings that kept me warm without adding bulk. They were perfect under skirts, dresses, or even jeans on particularly cold days. Oversized Sweaters Who doesn’t love the cozy vibe of an oversized sweater? I opted for a mix of cable-knit and plain designs, which I paired with leggings or tucke...
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What I Learned from Beachcombing

Beachcombing is an activity that combines exploration with relaxation. According to me, wandering along a shoreline and discovering hidden treasures is one of the most serene and rewarding experiences. A Morning by the Sea One memorable morning, I walked along a secluded beach just as the tide receded. The cool breeze, the soft sand under my feet, and the rhythmic sound of waves set the perfect backdrop for my search. Within minutes, I found a tiny, perfectly shaped seashell, and I was hooked. The Simple Joys of Discovery Beachcombing isn’t about finding valuable items—it’s about appreciating the small, beautiful things the ocean leaves behind. From colorful pebbles to fragments of driftwood, each discovery tells a story of its journey through the waves. Why It’s Worth It To me, beachcombing is a reminder to slow down and enjoy life’s simple pleasures. It’s a chance to disconnect from technology, breathe in the salty air, and marvel at nature’s artistry. Whether you’re on a bustling co...
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The Role of Artificial Intelligence in Finance and the Growing Influence of AUM

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In today’s fast-paced world, finance is no longer confined to traditional methods of managing wealth or investments. Advanced technology has crept into this domain, turning tasks that once required hours of human effort into actions completed in seconds. Artificial Intelligence (AI) has become an important part of this change, revamping financial decisions. While AI might seem like a concept out of a sci-fi movie, it’s as real as the smart assistant on your phone, only much smarter when it comes to money matters. Streamlining Investment Management Imagine an old Hollywood classic where stockbrokers are shouting numbers on Wall Street. Those chaotic scenes are now replaced by silent algorithms that analyze market trends, predict future movements, and make precise decisions in the blink of an eye. AI-driven systems today have made it possible for asset managers to sift through volumes of financial data that would take human analysts weeks to process. Take, for instance, a hedge fund mana...
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