EPFO has proposed to raise the interest rate on EPF deposits to 8.95 % for the current financial year 2015-16. The interest rate in the previous financial year was 8.75%.
The proposal is a bonaza to the working class, especially because it comes at a time when government is expected to lower the interest rates of many small saving schemes such as public provident fund, national savings ...
When we think of sending our kids to school for the first time, we want them to be in safe, loving and caring hands. But the fact that most schools are out there only for money makes things complicated. What the schools say and show to parents differs quite a lot from what actually happens inside. So what do we do?
I have been there, made my mistakes and learnt from them. Here are my few cents, ...
In the previous post, I wrote about the importance of environment in learning a skill. I want to share now what I did to create an environment suitable and fertile for the development of reading skills of my daughter.
When I last visited SBI on 1st June, 2015, I came to know that they are opening the Sukanya Samriddhi Account. I noted down the details and applied for one. Here are the details for the same -
Children are curious. They want to figure things out by themselves. They want to understand the world they live in. This is a very basic human nature or rather human brain's nature. To get a strong evidence of this fact, we just have to watch babies and pay serious attention to what they do. Their brain is continuously picking up information, matching patterns, sorting and storing it for later use...
An entertaining poem specially for children. Authored by Ramnaresh Tripathi.
चित्रकार सुनसान जगह में, बना रहा था चित्र ।
इतने ही में वहां आ गया, यम राजा का मित्र ।।
उसे देखकर चित्रकार के तुरंत उड़ गये होश ।
नदी, पहाड़, पेड़, पत्तों का, रह न गया कुछ जोश ।।
This proved to be a really useful toy (or should I say learning resource) for my daughter. She started playing with it when she was around 2 and learned the letter names and shapes very easily while playing with it. The letters and tray are made of good quality wood which does not get damaged even if she throws them sometimes. The knobs makes it very easy to lift up the pieces. An excellent toy ...
One day she was standing on a stool and reaching for the fridge magnets that were stuck near the fridge top. I was just standing there behind her when a thought came. The word "SAMSUNG" embossed on fridge had caught my attention. "Lets try spelling this word to her", I thought. Since she had been playing with [capital letters picture tray](/parenting/toys-gift-toddler-baby-kids/english-alphabets-...
Renting a house in Bangalore has always been a complicated process because standard practices are quite different here as compared to other cities . Here are some observations based on my experiences -
Many of my friends have mentioned about their PF contribution changing from Rs 780 to Rs 1800 from September 2014 onwards (without any salary revision / increase) and have been wondering about the cause for this.
The increased EPF contribution is a result of EPFO decision to raise the PF wage ceiling to Rs 15,000 from Rs 6,500.