Earning from home is too hard to believe

I was looking at my newsfeed on Facebook and came across multiple sponsored facebook business pages. How often do we see such sponsored pages on FB these days? Obviously you need to shell out some money to become a sponsored logo on someone’s Facebook feed whom you don’t even know. Unless the concept is great, marketing something heedlessly is not going to be a value for money type of proposition. If you are a business then you don’t want people to like you out of fluke because apparently they just saw the link and clicked ‘Like’. You want them to like you because you really appealed them. I have seen people marketing their blogs on facebook by putting up a sponsored ad. It doesn’t cost much. Probably $5 or $10 a day and you could be part of someone else’s newsfeed. If they see the worth in having your newsfeed then they might like you and you could start building the rapport. It’s not the real yesteryears genuineness that was attached to ‘word of mouth’ publicity. ‘Word of mouth’ used to be ‘product first and propaganda later on’. Today it’s propaganda first and product later on. Nothing right or wrong in the philosophy but it’s plainly the difference of the flows for generating audience that has worked so far in the 21st century. The day is not far when your book store owner will market his new books through facebook that are specifically targeted for you. Recently you might have visited a grocery stores to buy some grocery and a few days later you receive a sponsored ad from the same store for some discounted food items. It seems bizarre but this is a 100% sure candidate for facebook marketing. In fact I think there is nothing left that can’t be marketed through facebook other than honesty in today’s times. Now coming to this whole episode of who wants me to like them on Facebook and how can I evaluate these paid sponsored links. One of the sponsored links attached some of my curiousity and I decided to check it out. It was about making money from home, something that a lot of people aspire to do but are never able to accomplish in spite of spending considerable time on the web. Realistically speaking who doesn’t want to make money by working from home for 8 hours a day. Incidentally 2 of my friends had liked the business page and I curiously asked them if they had any good experience making money from home with this website. They told me that they had no experience but felt that the site could provide them with some major inroads in doing something that they had dreamt about. After hearing their views I felt that the 1000 plus people who liked that link would have done it for the same incentive. It’s funny why people ‘like’ something on FB without actually having any experience whatsoever. It’s a different topic altogether and needs to be researched separately. However coming back to the original thread, how sensational is it for someone having a fulltime job in a preferred industry to work from home and have a secondary stream of income? It’s not always possible. I can vouch on that as you don’t get as much time to do it. I prefer to do blogging as an aspiration more than anything else. I feel dedicating that one or 2 hours on a daily basis will really help me put out my thoughts well and influence someone somewhere. Yes, some friends have taunted me saying that it seems to be my childhood problem that I am trying to get rid off but then that’s just humorously laid out by them and I don’t really take them seriously. I try and stick to my goals of writing. It’s slow but certain and I feel good once I key in those few words that exemplify my mark on the web. Although I am vocal person but unless you are a media savvy one you can’t influence many people as much. Nothing is better than writing it out because you get the liberty to express yourself and reach out to a wider world. I have never done anything with the sole purpose of earning from the web. Although I must admit that I have earned quite some in my writing ventures on different websites but that’s primarily to unleash my love towards writing. I have never tried things like working from home to earn money. Almost all times it looks too hyped to be true. 99% of the times such work from home advertisements are sheer marketing scams and nothing else. I remember one of my friends who used to do it around 3-4 years ago. Initially he got paid and was gung-ho about the entire thing. A few months later I talked to him and he said they had fooled him and not paid him in last 3 months. He said it involved a lot of fuss and tension and he needed to fight a lot to get his dues cleared off. He gave it up for a fulltime job and has been happy ever since that day. I decided to check out on the consumerlivingwell.com website as it was so well marketed on FB. The sponsored advertisement looked tempting to resist. I decided to check out the site. It looked reasonably genuine on the first biew. The layout looked simple and there was nothing jazzy about the site to suggest that it was a scam. Generally most websites that deal with money making schemes from home are flashy with a lot of advertisements and pop-ups. Obviously it was my first look after all. I must say that these days even if a particular company doesn’t exist people can create such genuine looking websites with such ease that any person can get fooled. My experience in IT helps me tackle these problems with relative ease. You first need to check google with the company name followed by words like ‘scam’ and ‘fake’.You can easily make out if the company is good or not. You can find so many reviews about anything today that to a smart surfer it’s not that tough to make out what is fake and what is not. Now apparently the site begins with the headline: “EXPOSED: Mumbai Mom Makes over Rs. 400,000 Month And You Won't Believe How She Does It! “. The title says ‘Consumer Finance reports’ with a disclaimer saying that it doesn’t belong to any newspaper publication. Vow!! Now this is a sureshot marketing gimmick to look authentic. Isn’t it? The font and presentation seems to have been adapted from some reputed newspaper. When I saw the page first, even I thought that it was some authentic newspaper site. I scrolled below to find a lot of people saying good things about the website. It tells the story of some house wife who lost her job last year and today she is able to earn around 400,000 INR per month through this site. Now that is something which will really pop up your eyes. It looks like a highly improbable claim. This is where the site starts demonstrating fakeness. How is it possible that someone who entered into this work from home arena just last year is able to make such a humongous amount in less than a year. The claim looks too tall to be believed. Now here is the thing. If someone is telling you that by working from home you can earn twice or thrice what a VP in a Bank would earn with a fulltime job and status then there has to be something wrong or dangerously fishy in the job profile. On the right hand side of the web page there is a photo of a smiling family and it obviously looks like a marketing gimmick. I faintly remember that I had seen this photo in a Bank advertisement a few years ago. Although there is no way of confirming it now but believe me I do have a fairly good memory and vision. A lot of people (almost all Indian names) seem to have entered their comments. Not a single comment is negative which makes me believe that the feedback is cooked. At the bottom of the page it says ‘Comments have been closed due to spam.’ I don’t feel that there would have been any comment entry mechanism on this page. Now here is proof of the fakeness. I saw the site on 24th May and at that time the last comment was dated 23rd May from Omkar. Today when I see it , the same comment is dated 26th May. If the comment section is closed for last 4 days how is it possible that someone entered a comment yesterday even if I were to assume that the guy enters the same text. ‘Guys don’t treat us as fools. We are watching you!!’ The site lists out the steps to be followed for making money from home and it comes with a warning saying ‘Registration Deadline is Tuesday 28th May 2012’. Please note the typo ‘2012’. 28th May could not have been a Tuesday in 2012. Anyways, it really means 2013, just that the guys managing the site are still living in 2012 or find it tiringly difficult to fix this typo. Yesterday when I saw the site it said registration deadline was 27th May. There is no probability here, they have definitely set it to be Current date +1 so that they can capture the easy scapegoats and make them feel like they need to take immediate actions before the deadline. ‘You need to be watchful and see such traps coming your way.’ If you click on the link to register on the site it asks you for details like phone number, home address and all sorts of personal details. It says that currently they are offering 50% off. Yes, there is a discount of 50% on god knows what. Probably it’s registration fees for some work that you will do from home. The site says that it comes to around 3500 odd INR after the discount. If you click on ‘close’, the site displays a prompt and the amount reduces to around 2200 INR. It’s clearly a way of trapping you into buying something that is unwarranted. I don’t believe that the site would have real people enrolled. 95% profiles ought to be fake. The rest are probably scapegoats who in a haste of making fast money entered the trap and now have nowhere to go. People on the site are claiming that they earn 7000 INR per day. It’s simply not possible even if you were to sell any affiliate products with a chunk of networking links. I am yet to hear from a genuine person who has worked from home and earned that much of bounty. My verdict is that the site is 100% fake and is only misleading people. Even if 10 or 20 people can be trapped then it’s great for them because the investment cost is hardly anything. Even facebook can’t rule out the sponsored link because apparently someone pays for it. So there is no way of knowing that the site is fake. But as a consumer we need to keep our eyes open and not trust anything that looks amazing. Here is my outlook on this entire thing called ‘Work from home and earn money’. Work from home can have various ways of doing it through genuine means. 1st is when you work on research articles and do some market research, provide data, fill up surveys and questionnaires on specific products and brands that you are aware of. Such online projects will help you earn a maximum of 10,000 INR per month and nothing more. If you are selling affiliate products on prominent genuine sites and are a person who markets stuff on Facebook and twitter then on a few lucky days you can earn a good chunk but then the probability of this happening throughout is quite low. Just imagine how you feel about someone who keeps spamming friends on facebook and twitter on different types of products. 99% of the times you will want to defriend that person. That’s a common mentality and unless you have people in your list who could be easily tamed it’s not possible. Personally I feel it’s a shameful act to market in such a manner and really shows a bad class. Even if you do market then it should be based on other’s choice and their needs. For instance, by marketing a Cell phone product on your wall page you are really beginning to look like a spammer. The ideal thing to do is to register with a cell phone community or a business page and market the product there. That way you would have targeted people who are subscribed to the community because they want to know more about it. You would be targeting consumers based on their choice and not yours. As per me, that’s much more sensible and effective marketing style. Obviously that’s my perception and will depend from person to person. Blogging and publishing articles for prominent websites is other genuine way to make money by working from home. I would categorize the rest of things in the spam and scam category and certainly a waste of time, money and your talent. Easy lucrative money making from home is not possible else their won’t have been any outdoor jobs left by now. Believe me, earning from home is possible if it’s your business and not anyone else’s. http://consumerlivingwell.com/inbo/

The mathematical Wizard Shakuntala Devi

Legendary Mathematical genius Shakuntala devi is no more. Known for her exceptional mathematical abilities Shakuntala Devi died on 21st April 2013 in a hospital in Bengalaru at the age of 83. She was admitted to the hospital following respiratory problems. She developed some heart and kidney complications and died at around 8.15 am in the morning. Shakuntala Devi was a human robot and literally overpowered computer. She found a place in the Guiness Book of world records for her extraordinary ability to solve complex mathematical problems on a fly. You could ask her just about anything and she could get you the answer within seconds. She had an extraordinary ability to find the day of any past of future year by just doing some brain calculations. In 1977 she competed with a computer to find the cuberoot of a random 9-digit number and won easily. She again beat the computer when she found the cuberoot of a 201 digit random number in just around 50 seconds. She used her strong mathematical brain to solve the problem mentally. In spite of being programmed with multiple instructions it took the computer more time than shakuntala Devi. Shakuntala Devi was born in an orthodox brahim family. Her father used to work in circus as a trapeze and tightrope performer. At the age of 3, Shakuntala devi assisted her father to perform card tricks. Her mindblowing number crunching abilities helped her to contribute immensely in some number tricks presented by her father during road shows. Later Shakuntala devi gave a number of presentations in the University of Mysore and Annamalai university. In 1980, at the age of 51 Shakuntala devi again beat the computer when she computed the multiplication of two 13-digit number in just 28 seconds. Shakuntala Devi wrote a number of books like ‘Puzzles to puzzle you’, ‘Book of numbers’, ‘More puzzles to puzzle you’, ‘Figuring: The Joy of numbers’, ‘In the wonderland of numbers’, ‘Super Memory: It can be yours’, ‘ Mathability: Awaken the Mathn genius in your child’ and ‘Astrology for you’. Many companies have used Shakuntala Devi puzzles during their interviewing process. Infosys is one of the companies that I have been in and it has used a lot of puzzles from the books of Shakuntala Devi. You get people like Shakuntala devi only once in many lifetimes. Respect to this mathematical maestro!!!

How to reduce Traffic congestion in cities?

Traffic is major problem when it comes to big cities in India. Here we are facing a terrible situation where people can afford to buy cars and other vehicles but the infrastructure is such that we are unable to bear them on the roads. The problem starts right at the base level. The quality of road construction is really not of the standard to take the huge burden of these vehicles. To add to this the width of most of the roads is so small that vehicles are crammed for space.

Apart from the major highways which follow the western standard of the lane system there is really no structure elsewhere. When I travelled on the Mumbai-Pune Expressway the experience was amazing. Here the roads are wide enough very much like the freeways in US. Four lanes on each side make the driving experience extremely pleasing. However, if you travel via the national highway then you are bound to be disappointed. At some places you get a feeling that the road should have been tagged as one-way. Such routes result in immense traffic congestion and the time taken to move from one place to another literally kills you.

Commuting within the city is the biggest pain. People lack parking sense and parallel parking is not something that most people do flawlessly. This is not US or Europe where we hardly find anyone walking down the streets. Due to high population density the 2 feet wide footpaths give hardly any room for moving people. This results in people walking on the roads leading to bizarre views where cars need to honk to move the people. Traffic kills the incentive to travel by your own vehicle. Not only does it increase the cost of travel by eating up gas but also makes the travel extremely tiresome. I prefer trains when it comes to travelling in Mumbai.

We really need to find some solution to this problem. Road widening is one of the ways of reducing traffic. But that might not be always practical. I feel we must impose the lane system even on smaller roads. Currently Autos and bikes are the real bottlenecks for controlling traffic. You can find an auto rickshaw squeezing past in weird angles to get ahead of the traffic without any lane restriction. Severe penalties must be imposed for any lane violation. This will make it compulsory for each vehicle to respect the process.

People parking their vehicles on the corner of the road should be fined. There must be strict parking rules and guidelines otherwise there is hardly any chance that people will follow the process religiously. The administrators need to take some stern steps to enhance the quality of infrastructure.

How do you think we can reduce the traffic congestion problem in the cities?

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How to cordially avoid Shopping?

I am not a shopping person but my wife is a real shopaholic. I find it extremely difficult to control her when she is on a shopping spree. I am perfectly fine when we shop for our necessities but when it goes beyond that then it becomes a lot scary. Your entire financial budget goes for a ride. If you say that you really can’t buy something then it can prove as mega emotional blunder and leave a big frown on the face of your wife. Your entire evening can be disrupted and if things go really bad then the anguish can continue for more than 2-3 days.

How do you prevent your wife from shopping without taking a personal blow?

Here are some of the steps that I follow:

Just avoid going to the malls. These are the places where you can be guaranteed that you would be robbed indefinitely. I generally tend to make an excuse that I am having a bad stomach or I am not feeling well. If I say that I want to watch a cricket or a football match then it might prove disastrous. So make an excuse that looks genuine. The preparation for this can start a night before that. Shopping generally happens over the weekends. So Friday and Saturday nights are very critical. This is also the time when most of the EPL and Champions league games are scheduled. So you can just lie down on the bed, enjoy the games and at the same time make sure that you have the setup the stage for the next day.

This tactic might not work always. How many weeks will you do this? You need variety. Take her to a movie next week. You will spend at least 3-4 hours and that might be just enough to distract her. Movies are cheap options and you can manage that in your budget.
The following week you can take her out to an affordable restaurant. Lunch or dinner for two is not such a costly proposition. The other alternative you have is to visit a relative’s place. Wives end up spending a lot of time chit-chatting. This way you can smartly keep them away from their shopping mission. You can also tell her that we really need to clean up the house over the weekends. This can be a great option as well.

Let me know the other options that you can think about. I would love to implement the same.

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RJs have transformed Indian Radio

20 years ago radio was not the way it is now. I still remember the way music was being played. There used to be an announcer who used to broadcast in a very dull non-intuitive manner. The style used to be simple with hardly had any flavour. Probably in those days we had not yet unleashed the true potential of radio. I remember there used to be 2 main radio frequencies Vividh Bharati and Bombay B. These Audio stations were not solely for music. You could hear some stories, parodies, news and music. These were the evolutionary years and the music anchoring was not that great.

During those days it was hardly expected that these anchors would do anything more than just plain and modest style of communicating things.
When Harish Bhimani started anchoring he used a unique style that grabbed the attention of the listeners. This was probably the first time that something different was added to the art of radio anchoring. A few years later FM came into existence and the concept of Radio jockey was adopted for the first time on Indian radio.

RJ Jeeturaj really revolutionized FM radio in Mumbai. I assume sometime is 1991 the first FM radio station was launched. This radio station was obviously an uprising in history of radio. Every Sunday there used to be a 2 hour program on the top 25 Bollywood songs and the way it was anchored was something unconventional on Indian radio. The signal quality and the music output were phenomenal. You could hardly compare it with any of the AM frequency radio stations. The RJs anchored in such a way that the FM stations immediately gained a lot of popularity.

The radio jockeys need to have significant skills and talent compared to normal anchors. It is not anyone’s cup of tea to just speak for hours and hours and ensure that they provide quality and spice to their listeners. The flamboyance of speech and the amazing vocabulary of classy RJs are bound to influence most people. Whenever I drive I love to hear different RJs. RJ Sangeeta, RJ Meera and RJ Anmol are my hot favourites apart the obvious RJ Jeeturaaj.You get to hear the views on the latest topics and different types of news and reviews that makes your experience particularly enticing.

Today, RJ’s have literally transformed the radio.


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How to prevent bankruptcy?

How do you ensure that you have the required funds that are sufficient to take care of your debts and other liabilities? It’s something that you would really need to think about. Most of us are not really equipped to deal with our obligations. But isn’t that the most mandatory part of our lives that requires dealing with thorough perfection? Obviously yes!! If you protect yourself from your debts then you will surely avoid bankruptcy.

What are the different types of obligations you have that can make you bankrupt? Just imagine of a situation that you have bought a new house in a plush locality. Obviously, with the high realty prices you can’t pay all that money by yourself. You need to take a loan. Your EMIs are significant and let’s say that you need to pay $1000 EMI per month. Now if you are currently having a job that pays you $6000 per month then probably you are well-equipped to take care of your EMIs. What happens if something wrong happens to you? I am putting the most pessimistic scenario because this is where you will really need to manage the risk.

Have you made sure that you have covered this risk? What you need to do is to buy an insurance cover for your loan amount. You might need to pay a few dollars extra. But that is worth paying as it will protect your spouse and kid from an adverse uncertainty. Same thing applies if you have bought a car and are paying EMIs for it. Make sure that you have covered all your major risks. To prevent bankruptcy you don’t need to insure yourself for petty risks but term insurance is a must. Always make sure to cover your primary liabilities comprehensively in the order of their severity.

At any point of time don’t have more than 1 loan. I am always against credit card. But you can have 1 credit card which you always pay well ahead of time. This way you will significantly reduce the risk of bankruptcy.

Do you have sufficient money in your bank and have you nominated your dependents?

You might have huge money lying in your bank account. If you have not nominated anyone then no one will be able to use the money in your bank account in your absence. Make sure that you nominate your dependents so that they don’t face a herculean task getting the money from your account when they actually need it.

What are the other things that you can do to prevent bankruptcy?


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Choose for yourself the right real estate agent

If you are choosing real estate as a trading or investment option then you need to find the best possible bargain for yourself. If you have to do it all by yourself then you will need to burn the candle at both the ends. You just can’t afford to go that way if you are working somewhere. You would need to hire a quality real estate agent. The choice of real estate agents depends on your need. For instance, if you need to do an investment then you need someone who thinks more than 1 or 2 years. You will really need someone who can evaluate the real potential of your flat 5 or 10 or 20 years down the line. If you are looking plainly from trading perspective then you need a real estate agent who can give you a futuristic insight on the flat valuation from 3 to 24 months. His past predictions and sale record will help you get a better picture.

Choosing the right real estate agent is very important. These agents don’t do things for free. They get their commission from every transaction. While trading you are not looking at breaking even but you really want a good amount of profit after considering the commission. You need to choose a real estate agent you knows the locality in complete detail. He must have some good tie-ups with the builder and actual sellers to help you get the best possible deal. Typically, while trading you need a ready possession house. Your real estate agent must have great contacts. This will help you find a buyer when you plan to sell your home.

Investment is a different ball-game altogether. Investment in under-construction flats is more predominant. The primary reason is that the rates are quite low and you would be able to get a real value deal. But you just can’t trust a builder to build a house for you within a certain period of time. You must know his track record and the actual details of the plot where your flat is going to reside. The real estate agent should help you find a builder with extremely good reputation and who has all his papers and clearances in place. Preferably an agent that belongs to the particular area is the best suited for such deals.

Make sure your agent doesn’t charge you exorbitant commissions. Also, there should be ideally no charge for shortlisting prospective deals. Choose a real estate agent who really minimizes your expenses.


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