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Financial Intelligence is the Need of the Hour!

While taking a stroll in his neighborhood park one quiet evening, Rohit and I happened to bump into a very old college friend Virat. Rohit, a financial planner working for a reputed mutual fund house, and Virat, a manager at a factory of a reputed FMCG company, used to debate on various regional, national and global issues that got the pair well-known during college debate competitions. After reminiscing the good old days of ‘who delivered the best speech’, the two old buddies sat down to enjoy the sun-set when Rohit caught the attention of a mutual fund ad placed strategically outside of the park railings. “Mutual funds are a good way to invest your money in!” says Rohit. “No! Never!” said an alarmed Virat. “I would never dream of putting my money into such an investment channel. Do you know that it’s all a gamble? A sham? My wife once tried investing in such a scheme but lost all what she invested in after constantly reminding her of the consequences.” Virat continued to disagreed and insisted that they were unreliable which surprised Rohit and I a lot. He left in a hurry shortly after.

How can this dear friend think like this? Clearly he seemed to be quite against the idea of investing in mutual funds. Why so? Is there any reason for this kind of dislike towards mutual funds? Rohit and I wondered, and came up with 5 possible reasons for Virat’s reaction.

Inadequate awareness: There are various reasons contributing to his dislike towards mutual funds and why a vast majority of people believe them to be unsafe and unsecure. A huge mistake that anyone would make is to not ask or question the reason behind investing in mutual funds closely followed by believing strongly in what others think about mutual funds. According to popular perception, and added to it by the standard disclaimer : people are led to believe that mutual funds are risky.
The fact is that all investment products carry their own inherent risks, some more than others. Equities are a higher risk instruments than fixed income instruments like Bonds, but both carry risks. Since mutual funds are vehicles with these underlying assets, they too carry that risk. What this means is that while mutual funds are risky, all financial products carry their own level of risk, hence mutual funds are not riskier than others, it is the underlying asset class that carries most of the risk. If people take away that mental block that mutual funds are risky avenues of investing your hard earned money, then they will continue to be hesitant about ever venturing into such instruments. Association of Mutual Funds in India (AMFI), the trade association of mutual funds in India, launched a media and communication campaign – “Mutual Funds Sahi Hai”, as a part of the investor awareness outreach program. The campaign aims to position mutual funds as a preferred investment option for potential investors.

Too much of a headache!: Take for instance the scenario where Virat disagrees with Rohit regarding investing in mutual funds. To educate Virat about investing in mutual funds will be a big daunting task for him. He would find it too complicated and difficult to understand how to go about it and would rather give it a miss. For Virat, investing in other avenues like bank fixed deposits or insurance policies seem to be much simpler and easy to understand. In fact, opening a mutual fund account has become just as simple as any other financial institution by submitting information through an online KYC (Know Your Customer) facility. As a fund house, we pride ourselves on a completely paperless investing process and e-KYC.
No assurance on returns: Many a times, investors want guaranteed returns when investing in mutual funds. But that is not the case. There is no guarantee in this world but when investors start to invest, they want assured returns without giving importance to achieving their goals.
No faith in the markets: Investors tend to have very little or no faith in the stock market. As an investor, one needs to understand that mutual funds are not only about stocks but also debt funds like bonds, treasury bills etc. which can be safer avenues than equities.
Once bitten, twice shy: Investors who have invested heavily in mutual funds tend to back out due to losses attained by market fluctuations, or other investors known to them have faced similar situations. Reasons could be that they might have picked in a mutual fund that didn’t perform well or may have chosen a fund that didn’t match their risk appetite. This all boils down to the first point i.e. lack of awareness. It is always advisable to consult a financial expert when it comes to making any financial decisions.

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How to See VPN Connect Time on iPad or iPhone

Source: How to See VPN Connect Time on iPad or iPhone

Virtual Private Network is very helpful if you want to access the websites restricted in some regions. It is useful in protecting your online activities while browsing the different websites from the spying eyes on Public Wi-Fi as a VPN provides a secure connection over the internet while browsing through other networks.

However, the popularity of the VPNs is for different reasons today besides the reasons they were created. Nowadays, most of the operating systems are coming with integrated VPN support which is making the productivity of users much enhanced.

VPN and Its Uses

In simple words, a VPN connects your Smartphone, tablet or PC to another server over the internet, allowing you to browse through networks on the internet. The uses of VPN are a lot which is making the lives of people easy and helping the businesses run smoothly. The users can use a VPN for watching streaming services such as Hulu, Amazon Prime and Netflix along with escaping geographical while streaming audio or videos on websites. The person travelling for business purpose can use VPN frequently to access the network of their business, even going on the road, which includes business resources on local networks too. The VPN set up you are helpful if you would like to access your home network and play games on the internet while travelling.

The users can hide the networks they browsing by using public Wi-Fi or from ISP as it provides security to these things. Many of the users download files with the use of VPN connections through Bit Torrent as it allows for faster speed. Now, the use of VPN is widespread, particularly on iPad or iPhone, and sometimes you may wonder how long you have remained connected to the VPN while using it. There is no reason to wonder about it as you can get the information regarding your connected time by ipadOS and iOS regardless of the fact whether VPN provider is in use or not.

Viewing VPN Connection Time on iPad and iPhone

It has become to view and find the connected time of VPN on iPhone and iPad with the use of iPadOS and iOS. But, the users may overlook the required information if they are not aware of the location for viewing the connected time as it is a bit hidden one. Here, is the steps to see the VPN connected time on iPad and iPhone and the same actions are also applicable ion ipadOS and iOS:-

The users need to visit the settings of the apps and then tap on the option “General” and further tap on “VPN” to select it.
First of all, the users need to search the location of VPN they are connected to and then they have to click on the button of “(i)”.
In further steps, the users have to search for the option “Connect Time” while looking for the length of active connection to the current session of VPN.
The users can find that viewing connected VPN time has a lot of utility for them. It is useful in keeping the rack of time for the different work they have to do along with giving the information regarding the server and VPN IP address which is quite different from the regular address of your internet IP. You can also remove the VPN profile whenever you want from your iPad and iPhone. The VPN services can be used on iPad, iPod touch or iPhone irrespective of the fact whether these are private or corporate or a free VPN service or paid one. You can also configure or set up the VPN profile manually or by using some applications as many of the third party paid VPN services are available and offer to install the profile automatically.

Daniel Ryan is a creative person who has been writing blogs and articles about security. He writes about the latest updates regarding office.com/setup and how it can improve the work experience of users. His articles have been published in many popular e-magazines, blogs and websites.

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What are the Types and Symptoms of Glaucoma?

The expert eye doctors have a special demand in the field of ophthalmology and glaucoma specialists are no exclusion. Being the second leading cause of preventable blindness in the globe, diagnosis and treatment of glaucoma has become very crucial. It requires exceptional attention, care and expertise to execute the treatment of glaucoma. So for monitoring the condition and prescribing the proper medication and treatment, the best eye surgeons in Mumbai are of greatest help.

Overview of Glaucoma

Glaucoma is a certain eye condition where abnormally high pressure in the eye slowly damages the optic nerve. Optic nerve is responsible for sending images to the brain so that we can see. So the health of this optic nerve is vital for a good vision.

This eye disease is more common in advanced ages, although it can occur at any age. Also, there are instances of babies born with glaucoma. Often patients can’t even identify any early warning sign of this disorder. Because of the gradual progress of the symptoms, the disease is noticed at an advanced stage. The disease often runs in families.

Glaucoma is non-curable, it causes irreversible blindness. But the cause of glaucoma, i.e. high ocular pressure, can be treated. If detected in the earlier days, medication or surgery can stop the growth of the disease. But the vision already lost due to the condition, can never be recovered.

Causes of Glaucoma

The damage of the optic nerve in human eyes causes glaucoma. When the health condition of the nerve gradually lowers, there comes blind spots in the visual field. And elevated eye pressure is the reason for this nerve damage.

But how does eyes develop elevated pressure? Sometimes there is a buildup of a fluid that flows inside the eye. Generally this internal fluid drains out through a tissue at the angle where the iris and cornea joins.

So if there is an overproduction of the fluid or any issue with the drainage system, the fluid is blocked and can’t flow out at its usual rate. This gradually increases the eye pressure and if left untreated for a long time, causes glaucoma.

Types and Symptoms of Glaucoma

There are a lot of aged people who go through glaucoma. And studies have revealed that these people are four times more likely to fall and it becomes a dangerous issue for driving (source: Fundaction IMO).

Below are the types of glaucoma and the symptoms associated with this disorder. The signs and symptoms vary depending upon the age and stage of the disease. So, if you find you have any of these symptoms, rush to the top glaucoma specialist in Mumbai for advanced diagnosis and treatment.

Open-Angle Glaucoma :

This is the most usual type of the disorder. When the cornea and iris forms the drainage angle and it remains open, but the tissue is partially blocked, the eye pressure increases. This causes damage to the optic nerve and slowly the patient loses vision. The symptoms are :
Patchy bind spots in the peripheral or central vision,
In the advanced stages, there might be tunnel vision
Also the patient might not experience any symptoms at all.

Angle-Closure Glaucoma :

Angle-closure glaucoma is also called closed-angle glaucoma. It occurs when the iris bulges becomes narrow or hinders the drainage angle that the cornea and iris forms. Therefore the fluid can’t pass through the eye and pressure is elevated.

People with thin drainage angels are at increased risk of angle-closure glaucoma. This disorder, when occurs suddenly, is called acute angle-closure glaucoma and when occurs gradually, is called chronic angle-closure glaucoma. Acute angle-closure glaucoma needs urgent medical care.

The symptoms of angle-closure glaucoma are :
Extreme headache
Pain in the eyes
Tendency to vomit
Visual disorders
Halos around lights
Redness in the eyes etc.

Normal Tension Glaucoma

When the optic nerve is damaged even though the eye pressure is within the normal range, the condition is called normal tension glaucoma. The exact reason for this is still unknown. The possibilities are due to sensitive optic nerves or less blood supply in the optic nerve etc.

The limited blood flow in the optic nerve can occur due to the buildup of fatty deposits in the arteries or other medical conditions that hinder the circulation.

Prevention of Glaucoma :

Although glaucoma can not be cured, staying alert and practicing some self-care steps can help you prevent loss of vision or progress of the disorder. Check out some of the tips below :

Regular eye exam :

Getting your eyes checked regularly after the age of 40 can help you prevent many serious conditions. Try to visit your eye doctor at least once a year. Also, the best glaucoma specialist or eye surgeon in Mumbai, can help you with the same.

Learn your family’s eye health :

As glaucoma runs in the family, learning the history of your family’s eye health can help you take precautionary measures for preventing glaucoma.

Regular safe exercise :

Moderate level of regular exercise can help you lessen the risk of eye pressure. So talk to your doctor for more expert guidance on the same.

Application of prescribed eye drops :

Take the prescribed glaucoma eye drops regularly to avoid the elevated level of eye pressure. This can prevent the risk of blindness even if you don’t have any symptoms.

When to Visit Your Glaucoma Specialist ?

If you’re suffering from blurry vision, eye pain, intense headache, vomiting sensation and rainbow coloured vision, promptly visit your glaucoma specialist or Get in Touch with us for advanced eye check-up, diagnosis and treatment.

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