Unlocking the Secrets to Financial Freedom: Practical Tips for Building Wealth- Source: dskannan.blogspot.com

 Are you tired of feeling trapped by financial constraints, longing for a life where money isn't a constant source of stress? You're not alone. Many of us dream of achieving financial freedom, yet the path to get there can seem daunting. However, with the right knowledge and strategies, building wealth and securing your financial future is within reach

1. Budgeting and Saving:

Budgeting is the cornerstone of financial success. Learn how to create a realistic budget, track your expenses, and prioritize saving. Discover practical tips for cutting unnecessary expenses and automating your savings to build a financial safety net.

2. Investing Strategies:

Investing is essential for growing your wealth over time. Explore different investment options, from stocks and bonds to real estate and index funds. Gain insights into developing a diversified investment portfolio tailored to your financial goals and risk tolerance.

3. Debt Management:

High-interest debt can be a major roadblock on the path to financial freedom. Learn strategies for paying off debt efficiently, including the debt snowball and debt avalanche methods. Discover how to negotiate lower interest rates and avoid common debt traps.

4. Income Generation:

Increasing your income is key to accelerating your journey towards financial independence. Explore various income-generating opportunities such as side hustles, freelancing, and passive income streams. Learn how to leverage your skills and interests to create multiple streams of income.

5. Mindset and Habits:

Building wealth is not just about money—it's also about mindset. Cultivate habits that support your financial goals, such as setting priorities, practicing gratitude, and embracing frugality. Discover the power of positive thinking and the importance of perseverance on your journey to financial freedom.

you can take control of your finances, build wealth, and create a brighter future for yourself and your loved ones. Remember, the journey to financial freedom may have its challenges, but every step you take brings you closer to the life

Medicine for covid-19 is "Herd immunity"

President Donald Trump has often described this pandemic as our “war” with an “invisible enemy” — the coronavirus. That war metaphor is wrong and misleading.

Wars are fought and won by humans.

But when we are in a struggle with one of Mother Nature’s challenges — like a virus or a climate change — the goal is not to defeat it. No one can. it's  a combination of chemistry, biology and physics. The goal is to adapt.

Mother Nature does not reward the strongest or the smartest. She rewards the species that are the most adaptive in evolving the chemistry, biology and physics that she has endowed them with to thrive — no matter what she throws at them.

"Survival of fittest"- You can use the survival of the fittest to refer to a situation in which only the strongest people or things continue to live or be successful, while the others die or fail.

As these lockdowns end, is this: Are we going to adapt to the coronavirus — by design — the way Sweden is attempting to do — or are we going to go the same direction as Sweden — by messy default — or are we just going to say “the hell with lockdowns"

In case you’ve missed it, Sweden has taken a radically different approach in dealing with the coronavirus. It has essentially opted for a strategy of “herd immunity” through exposure.

This strategy posits that most people under age 65 who get the coronavirus — if they do not have major preexisting medical conditions — will either experience it as a typical or tough flu, or completely asymptomatically, and the number who will get so sick that they require

hospitalisation or emergency care will reliably be less than the number of beds needed to care for them.

So, if you do your best to shelter and sequester all of those over 65 and those with serious preexisting conditions — notably heart and lung disease and diabetes — and let much of the rest of the population circulate and get exposed and become naturally immune, once about 60 percent of your population has gone through this you’ll have herd immunity and the viral transmission will be blocked. (This assumes that immunity for some period of time results from exposure, as most experts think it will.)

After all, herd immunity is our goal — either from vaccination or from enough people building natural immunity. Those are the only ways to achieve it.

The upside of Sweden’s strategy — if it works — is that your economy does not take such a deep hit from lockdowns. It is unlike the strategy of suppression pursued in cities across America right now — as well as around the globe — where, when the lockdown is over, your population largely has not developed immunity and so most everyone remains vulnerable to the virus, and to a second wave in the fall.

Think of the challenge of New York City. Its hospitals would have been overwhelmed by the sudden crush of patients, so the months of lockdown of millions will surely, and vitally, have saved lives. But it has come at a huge cost to jobs and businesses and with little progress to herd immunity — and with the prospect that the virus can come roaring back as soon as the lockdown is lifted, unless there is Chinese-level testing, tracking, tracing and quarantining those carrying the infection. And even that might not work.

Now think of Stockholm. Anders Tegnell, chief epidemiologist at Sweden’s Public Health Agency — the nation’s top infectious disease official and architect of Sweden’s coronavirus response — said in an interview published in USA Today on Tuesday: “We think that up to 25 percent people in Stockholm have been exposed to coronavirus and are possibly immune. A recent survey from one of our hospitals in Stockholm found that 27 percent of staff there are immune. We think that most of those are immune from transmission in society, not the workplace. We could reach herd immunity in Stockholm within a matter of weeks.”

Tegnell explains that Sweden is not just blithely letting all Swedes get the disease to achieve herd immunity but rather is pursuing a designed strategy for the most sustainable way to navigate through this pandemic. So colleges and high schools are closed, but kindergarten through grade nine are open, as are many restaurants, stores and businesses.

But the government has also issued social-distancing guidelines, which many people are abiding by, encouraged working from home and discouraged nonessential travel. Most important, it has encouraged everyone over 70 to stay at home and banned gatherings of more than 50 people and visits to nursing homes.

The result, so far, Tegnell noted, has been a gradual building of herd immunity among those least vulnerable while the country has avoided mass unemployment and an overwhelming of the hospital system.

It has come with a high cost, though. As USA Today noted: “Sweden has a population of 10 million people, about twice as large as its nearest Scandinavian neighbours. As of 28 April, the country’s COVID-19 death toll reached 2,274, about five times higher than in Denmark and 11 times higher than in Norway.” Nursing home residents account for more than a third of all deaths.

Tegnell said: “There has always been a problem with running these homes safely in Sweden going back a long time. That’s something we are taking advice on now and that we intend to do better on.”

As for experts who warn that it has not been conclusively proven that individuals who have had COVID-19 are immune, by the presence of antibodies, from getting the virus again, Tegnell told USA Today that such thinking undermines the argument for looking for a vaccine: “If you can’t get population immunity, how can we then think a vaccine will protect us?”

He concluded: “What’s happening now is that many countries are starting to come around to the Swedish way. They are opening schools, trying to find an exit strategy. It comes back to sustainability. We need to have measures in place that we can keep on doing over the longer term, not just for a few months or several weeks.”

Asked about the American approach, he said that it “seems to me that the Americans let coronavirus go too far before any real strategy came into place.”

Here’s the stone-cold truth: There are only different hellish ways to adapt to a pandemic and save both lives and livelihoods. I raise Sweden not because I think it has found the magic balance — it is way too soon to tell — but because I think we should be debating all the different ways and costs of acquiring immunity.

When I look across America, though, and see governors partly lifting lockdowns — because they feel their people just can’t take it anymore for economic or psychological reasons, even though their populations have little or no immunity — I worry we may end up developing more herd immunity but in a painful, deadly, costly, uncoordinated way that still leaves room for the coronavirus to strike hard again and overwhelm hospitals.

One of Israel’s most renowned computer scientists, Amnon Shashua, the founder of Mobileye, has been advocating a designed Swedish-style immunity pathway for Israel for weeks. “The risk-based quarantine model is not only beneficial from the point of view of economical sustainability” but also because “when the high-risk group is released from isolation they would be facing a largely immune population thus naturally facing a very slow spread of infection with a good chance to whither the storm until a cure or vaccine is available,” he wrote in Medium last month.

Michael Osterholm, director of the Center for Infectious Disease Research and Policy at the University of Minnesota, said in an interview with WCCO radio Monday that “I think that Sweden is one model we need to look at, but it’s not the only model, but we surely need to have these discussions.” Because absent a miracle vaccine soon, said Osterholm, “this virus will not stop trying to infect people until we get it to at least the 60 percent or 70 percent level.”

Herd immunity “has historically been nature’s way of ending pandemics,” added David Katz, the public health physician who helped kick off the debate in an essay he wrote in The New York Times on 20 March and in a follow-up interview we did together.

“We need to bend with her forces — even when we as a species are responsible for unleashing them,” Katz said. That means a designed strategy, based on risk profiles, of phasing back to work those least vulnerable, so we gradually cultivate the protection of herd immunity — “while concentrating our health services and social services on protecting those most vulnerable” until we can sound the all-clear.

In short-Maintain hygiene by using mask, social distancing and Hand sanitizer

            -"Prevention is better than cure"take precautionary methods like doing pranayama(to handle breathing trouble), 

          Follow the below to avoid blood clot. 

• Lose weight, if you are overweight
• Stay active
• Exercise regularly; walking is fine
• Get up and move around at least every hour whenever you travel on a plane, train, or bus, particularly if the trip is longer than 4 hours
• Point and flex your toes and make circles with your feet if you cannot move around while sitting for prolonged periods to get your blood circulating
• Stop at least every two hours when you drive, and get out and move around
• Drink a lot of water and wear loose fitted clothing when you travel
• To avoid heart related issues:
• Control your blood pressure. ...
• Keep your cholesterol and triglyceride levels under control. .

                             We will fight against covid-19 by creating awareness. Jai Hind.  

A guide to opening your business after Covid-19 lockdown

The lockdown will be over one day and time will come to rejoin our work, but given the nature of the pandemic, everything is about to change.

It's not going to be the same human being you left before the lockdown and I think we're going to see a very gradual opening up of the world.

At the same time you're going to see very changed, people who need to be handled very differently. I don't think life would be the same ever again. We will see more compassionate and humanitarian requirements to deal with.


It's going to be businesses that are more humane that will win and not the ones which focus on performances going forward. We have to  keep in mind how do you keep these things together, how do you open your office and keep social distancing while managing your costs. Accept that the same way you worked earlier has changed and make work from home a way of life.

We have to learn how to make sure that your workplace is safe.

We are going to have to really go through a series of steps to ensure that we are complying with those government guidelines, but at the same time, ensuring that our people are safe, and are able to be active as well, because at the end of the day, we have to run a business.

These steps include:

A detailed planning activity, where we need to identify which employees really need to come to work, even after the lockdown is lifted. Others can continue to work from home. That clarity is important.

Companies should ensure transportation for their workers. At the offices there should be a series of checkpoints testing can be done. There should be holding areas for colleagues to ensure that a red flag can be raised if someone's feeling unwell.

We have to ensure there is no crowding in our office spaces, ensure that only 25 or 50% of the workspace is actually occupied.

A similar set of actions need to be done with our support stuff including security guards, receptionists, cafeteria staff. We have to ask if we really need all of them to come into work in the beginning or come in a staggered manner.


We have to take a lot of measures, but to put it in a nutshell we did the following:

We have to controll all transport, from the staff member’s house to the office or to the airport.

The vehicles were sanitized; the drivers were tested before they picked them up.

We had a paramedic to check every single person in the workplace twice a day.

We did shift duties in such a way that the same person doesn't stay in office for a long period of time. So there were five hour rotational shifts that went on.

Then we got a company to sanitise our office.

We tried to make washing of hands fun and a way of life rather than a chore.

In company we have people who are baggage handlers, support staff and they may not understand normal communication. So we have to follow with exercising communication that is easy to understand, that also explained to them the importance of simple things like washing hands wearing masks.

As everyone was running short of PPEs we have to make sure that the clothes our staff wore will be  washed and sanitized everyday without fail.


We have to be  very particular to be compassionate. We should'nt force the people to come to work, but made it a voluntary system. We have to ask our staff who is willing to come to work and if someone refus we should respect that.

We have to understand it is not that person who is scared but the whole ecosystem at the back end around the individual, which consists of their family. These families could consist of very young children, very old parents etc. Then there is a larger ecosystem with the building or they society they live in.

We've have to create accommodation for our staff, close to the place of work so that they don't have to go back home and antagonize family or neighbors in that process.

These measures, no doubt, are capital intensive, but necessary.

Amidst all this the work processes are slowing down, and expenditure has gone up dramatically. Our sales have gone down drastically, however it is taking double the cost to deliver the product. So this is going to be a vicious cycle and here to stay for a while.

every organization irrespective of its size will have to do "testing, sanitizing" of the workplace, have a doctor available. There will be other elements that are easier for a smaller company, but pose significant challenges for a large company

The focus has to be on enabling work from home, wherever possible, so that it's just a proportion of the employees that are impacted. Even when we open up not everyone will be allowed into office at the same time. You have to create rosters where teams come in at certain times during the day complete their work, and leave. So all of those will have to be taken into consideration and planned out so that we are able to manage this for larger organisation.

Will the lockdown restrictions in India extend until September?

Reports are now coming from New York hospitals, USA, reporting about other unheard serious effects like clotting of blood taking place in coronavirus patients, resulting in strokes and heart attacks.

There are also reports from many quarters about permanent partial damage of lungs to patients recovered from the coronavirus.

Some children in the United Kingdom with no underlying health conditions have died from a rare inflammatory syndrome which researchers believe to be linked to Covid-19

, Health Secretary Matt Hancock, U.K., said on Tuesday. NHS doctors have been warned to look out for a rare but dangerous reaction in children that may be linked to coronavirus infection. An urgent alert sent out to GPs said that intensive care departments in London and other parts of the UK have been treating severely sick children with unusual symptoms. This includes "multi-system inflammation" with flu-like symptoms.” Italian and British medical experts are investigating a possible link between the coronavirus pandemic and clusters of severe inflammatory disease among infants who are arriving in hospital with high fevers and swollen arteries.

So, coronavirus cannot be lightly taken and dismissed off as just another type of flu. It is much more serious.

What will happen if we relax the lock down in the middle of the crisis is now visible in Germany. Just like other European countries, Germany started cautious easing of its lock down measures. The outcome was not good. The first signs that transmission of the novel coronavirus has again picked up were visible in German official data, just as the country attempts a cautious easing of its lock down measures. Rising infection and mortality rates could pose a puzzle for authorities, as a population chafing at lock down measures is just beginning to enjoy some re found freedoms and an initial united front in politics and media crumbles. Merkel's pleas not to rush a step-by-step unwinding of lock down for fear of again worsening the virus' spread were dismissed or even blasted as authoritarian by some voices in media and the opposition.

The British Prime Minister, Boris Johnson, has now urged people not to lose patience with the lock down. Speaking outside No 10 for the first time since recovering from the virus, Mr Johnson said, lock down would not be relaxed too soon. Mr Johnson said he understood concerns from business owners who were impatient to end the lock down. But ending it too soon could lead to a second spike in cases and cause more deaths, "economic disaster" and restrictions being reintroduced, he said.”

When the coronavirus is capable of spreading again even if a single source of infection is left untreated, why does every country think of lifting the lock down in the midway, with thousands of live cases still existing in every country?

In the name of saving the economy, if we commit the mistake of lifting the lock down, the coronavirus may spread like wildfire and if community spread of virus take place, it will be impossible to control, resulting in large number of people getting seriously affected and large number of deaths.

If people are seriously affected in large numbers, it will also contribute to closing down of industries for want of employees and the resultant collapse of economy.

Of course, there is no easy solution to the problem and it has become a million dollars question for every world countries, whether to lift the lock down or continue with it.

We are stuck between the devil and the deep Sea.

How to find free dropshipping websites in India ?

I don’t believe in some magic dropshipping directory or  fake dropshipping consultant in India that provide you list of “free dropshipping websites in India“. Finding a trustworthy drop shipping company is no easy mission.There are huge number of “bogus” drop shipping companies in google and quora India search results . Most of them do not own any physical stock, they simply display products they have sourced from real wholesaler or manufacturers . You should consider few important points while searching for a free dropshipping websites in India for your online business. 

1- Who Are They? Manufacturers, Wholesaler or a fake

Always try to find out manufactures of the products you want to sell on your web store and contact them to find out if they can drop ship their products. This is the master business stroke because manufacture can offer the true prices if they do drop ship, and if they don’t, they can at least introduce you to their wholesalers or stockist . These stockist will usually be trustworthy, and stock a huge range of similar products from different brands you can then add to your web store.If your drop ship supplier is credible wholesaler you can definitely earn a profit.

2-What profit margin they offer ?

Profit margin, build or break all businesses. The best way to achieve staying power in startups is to get to earnings and profitability fast.The bigger your profit margin, the better your odds are of being successful. The lower your profit margin, the more likely it is that you’ll just get by.Consider these three possible ways of generating Rs 500,00 of profit:Rs 20 Lakh revenue with 5% profit margin. Rs 10 Lakh revenue with 10% profit margin.Rs 5 Lakh revenue with 20% profit margin. When you consider some important business measures, the 20% profit margin indicates stronger performance than the results shown by the other companies.

3- Let them know you need custom packaging

Since your costumer buys from your store, they will naturally consider that the products are from your business originally. Packaging and shipping slip will be expected by the customers . Many buyer are very particular about details like that so you must know if the drop ship supplier can customize the packages of your products to appear as originally yours.

4-What fee do they charge ?

Per Order Fee / One time set up fee: It’s common for drop shippers to charge a per-order or one time set up fee to cover the expense involved with packaging and shipping an individual product.

Monthly Fees:  Legitimate drop shipping companies do not charge any monthly fee. If you are considering a company that asks for an monthly fee to for doing business with them, the company is most likely a scam.

Purchasing Minimums: Some legitimate drop shippers may require a minimum purchase size, either for your first order or on a monthly basis. If you don’t meet these sales threshold, they’ll charge you a fee. They do this to filter out non-serious business owners who will likely be more trouble than they are worth.

Advantages of working with a Indian dropshipping websites 

Snazzyway is a dropshipping consultant in India with a huge catalog of 2019 best selling dropshipping products, you will find a multitude of new items each week across a wide variety of lingerie categories, check out Snazzyway dropshipping News. You could literally have your own nice e-commerce website, or Amazon store with 1000s of products on it up, and running in days. With no monthly fees, or middlemen eating up your hard-earned profit! As the most trusted dropshipping supplier India,we will do whatever it takes to help you succeed

Company with its own stock

We are not intermediaries, we are a dropshipper with a 10,000 m2 logistics warehouse where we store and distribute our own stock.

Lowest wholesale prices guaranteed 

 We guarantee our resellers the lowest wholesale prices than any other wholesale distributor or dropship supplier in India.

Thousands of 2019 hot selling dropshipping products

We offer close to 12,000 wholesale products in the lingerie niche.  We also touch on other categories as well like clubwear and women apparel.Click here to see  how best dropshipping consultant in india can help you.

Woocommerce , Shopify , Opencart , Magento dropshipping feed files

 Product data feed in CSV and Excel formats. Separate sheets for Magento , Woocommerce, opencart and shopify .

Same Day Order Fulfillment

All orders placed by 1 pm IST ship the same business day

If you are serious about selling quality lingerie from your own site. why not work with the best Free dropshipping websites in India !! Our dropshipping programme is a simple and free way for you to start making some serious money selling our women intimate wear online without the overhead and without having to deal with the customers and the processing of the orders.

Top 10 Easiest Place to Do Business — World Bank Doing Business Report 2019

As per the World Bank doing business 2019 report ranks 190 countries based on how easy is to do business there, taking into account trading regulations, property rights, the availability of credit, contract enforcement, and many other factors.

#1 Rank- New Zealand

For the third year in a row, New Zealand has retained its position at the top of the ease of doing business, regulatory architecture, procedural ease, and absence of bureaucratic red tape. In fact, the government’s support for digitizing streamline compliance with the tax department has played an enormous role in spotting its position as no.1 in the world.

With this digital transformation initiative, the businesses can simplify all the tax-related works without any legal issues. Being a thousand miles away from major markets in the West, this remote country has reaped the benefits of global trade. Also, New Zealand has the lowest number of procedures for starting a business.

#2 Rank- Singapore

Singapore ranked second among the 190 countries in the World’s Bank doing business report ratings. Singapore’s rank remained unchanged from the year 2017. The reason behind this is the ease of doing business is the country’s location, its tax jurisdiction, pro-business attitude, flexible immigration policies, and the world’s best professional workforce, making prominent opportunities for access in the international market.

#3 Rank- Denmark

Out of 190 countries worldwide, Denmark is the third best country for doing business as per the world’s bank report. The country offers foreign investors a low corporate tax rate and several other incentives such as a special tax system for higher salaried expats and zero social contributions.

Regardless of its expensive dealing with construction permits, cost of obtaining a sewage and water connection and the cost of building permits, the country still ranks 1st overall in the construction process and for trading across borders.

#4 Rank- Hong Kong

Being the gateway to China, financial center, and the business hub of the country, Hong Kong presents a wealth of opportunities to the people in doing business. Hong Kong is cited as an ideal location for setting up foreign companies and access to a trustworthy economy, world-class infrastructure, tax-friendly jurisdiction, international market, and a productive legal system.

From the past ten years, Hong Kong is maintaining its position among the world’s top ranking economies in the report with its no bankruptcy protection law, and business premises. More importantly, several American and European companies are shifting their companies to Hong Kong.

The rationale behind this trend is because of its friendly tax policies, lower wage rates, and its flexible working environment. Consequently, Hong Kong’s rank has improved from 5 in 2017 to 4 in 2018. Ease of doing business in Hong Kong averaged 3.36 from 2008 until 2018, reaching an all-time high of 5 in 2014 and a record low of 2 in 2010.

#5 Rank- South Korea

South Korea ranks fifth for enforcing contracts, getting electricity and starting a business. The country has a corporate tax rate for suitable foreign entities and has even approved a 3 percent tax rise this year in order to pay for new public sector jobs and social welfare programmes.

#6 Rank- Georgia

Georgia ranks at the sixth position as per the business report for 2019. The country has continued to advance its spot in the rankings over the past three years by implementing substantive changes in the local regulatory framework. Protection for minority shareholders and insolvency proceedings were made more accessible to creditors and debtors. Even electricity was made affordable and tax compliance processes were simplified for their business entrepreneurs.

#7 Rank- Norway

Regardless of its smaller population, its purchasing power is strong enough due to its even wealth distribution and higher standards of living. This year, the country has made paying tax less costly by reducing corporate tax rate in order to attract foreign investors. Moreover, Norway has performed particularly well for resolving insolvency, which takes an average of 0.9 years and costs 1% of an estate.

#8 Rank- United States

The United States is the hub of the most prominent technologies companies in the world such as Amazon, Google, Facebook, and Twitter. The country also comes in third for resolving insolvency and lowering regulatory barriers. More importantly, the procedure for establishing a business entity is easy, labor laws are employer-friendly, and its legal system is developed and transparent. Meanwhile, information about land ownership is freely available in the US.

#9 Rank- United Kingdom

Despite ongoing Brexit negotiations threatening to relocate several financial institutions from the UK, the country still manages to remain in the same spot as last year and attracts many affluent customers. However, the country’s rank has dropped from 20th to 29th place for ease of getting credit. It also fell from 10th to 23rd place for ease of paying taxes, after filing tax processes became more difficult.

#10 Rank- Macedonia

Being the only upper-middle-income economy on the list, Macedonia is in the tenth position and has carried out the second highest number of reforms among the top 20. These reforms included sweeping construction reforms, which significantly reduced the number of procedures and time it takes to build a warehouse.