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10 Simple Rules that Brought Me Financial Nirvana Success

10 Simple Rules that Brought Me Financial Nirvana Success

10 Simple Rules that Brought Me Financial Nirvana
POSTED ON DECEMBER 4, 2013 // 46 COMMENTS
225

I was in Ahmedabad last week for my Art of Investing Workshop (here’s the proof), and met a few young executives – in their mid 30s – who had questions about how I have managed my own financial life so well so far.

A couple of them were, in fact, amazed to hear my story and told me that I have been an exception.

“That’s not true!” I told them. “I have not done anything special in my financial life that anyone else cannot do.”

In fact, whatever I have done to bring myself to a stage of financial nirvana – if I may use that term – I have done with the help of some simple rules on how I treated my money over the years.

Now, while I am too young to dispel any life-changing advice on “how to be a financial rockstar” or “how to remove all financial worries from you life”, I am happy to share below 10 rules that have changed my life for the better over the past few years, and how these can also benefit anyone who practices them with discipline and integrity.

Here are those 10 rules.

Rule #1. Save, Save, Save
Save at least 10% of your net take home pay during the first year of your career, 20% in the second year, and so on.

Plan to increase it to 50% in five years. Saving more is always good, but 50% is a number you must certainly target.

The best way to meet this target is to follow this simple equation of “Income – Saving = Spending”. First save, then spend of what remains.

When people get amazed to know how I managed to get debt-free before I turned thirty-three, please know that this formula helped me a lot.

(“Debt free before thirty three” can be a nice rhyme kids can be taught in primary school)

Rule #2. Restrict EMIs
Never have your EMIs – on home loan plus car loan plus any other loan – more than 30% of your net take home pay. If you have extinguished this limit, don’t borrow any more money.

The highest I ever went to was 40% after I bought my car in 2007, but brought it down to under 30% after I repaid the car loan in 2008 from my savings.

Since 2011, when I repaid my entire home loan, EMIs have been 0% of my income, and that has added to the confidence with which I am living my life.

Rule #3. Create Emergency Fund
Create an emergency fund that is at least 6 months of your household expenditure. Keep this money in your bank account or in a liquid fund.

Don’t touch this money to pay for a new car’s down payment! This money would help you when misfortune strikes in the form of a job loss or illness.

I had an emergency fund of 12 months when I decided to quit my job. Luckily, I did not have to withdraw even a single rupee out of it. But just the thought that I had an emergency fund brought me a lot of emotional comfort while making that life-changing decision.

Rule #4. Buy Medical Insurance
Even if your company provides one, buy a personal medical insurance policy that will cover you and your family even when you quit your job or are out of job.

I know the importance of having a medical insurance, as I benefited from it when my daughter Kavya fell seriously ill when she was just two years of age. Not having a medical insurance would have enhanced my trauma.

Rule #5. Buy Term Insurance
If you have dependents, buy term insurance.

How much? If you are 30-40 years of age, have 2-3 dependents, and have zero liabilities, insure yourself for at least Rs 1 crore.

Also, if you are 30-40, have zero or less loan liabilities, and maintain good health, there is a good probability of you surviving the next 30 years. So don’t get overboard with the cover. A maximum of Rs 2 crore should be enough.

Rule #6. Pay off High Cost Loans
Try to avoid high interest loan like credit card or personal loan. But if you are unfortunate enough to owe one, pay off as fast as you can.

As Charlie Munger says – “Once you get into debt, it’s hell to get out. Don’t let credit card debt carry over. You can’t get ahead paying 18 percent.”

I have never borrowed a credit card or personal loan, as I know these are things that could kill me financially.

Remember – If you wouldn’t buy something in cash, don’t buy just because you can use a credit card or borrow a personal loan.

Rule #7. Never Borrow for Liabilities
Avoid paying interest on anything that loses value.

A car – especially a big one that you may not need but to show off – tops this list. Electronic toys – mobiles, tablets, LCDs etc. – come next.

You may still buy a car (one car) on loan, but try to repay that loan as fast as possible. Also, see to it that the EMI does not lead you to cross the 30% EMI-to-salary criteria.

Please remember – for whatever the banks will tell you, a loan would never bring you peace of mind. Too much of it, in fact, can be a road to hell.

Rule #8. Repaying Home Loan
If you have an option of paying off your home loan versus investing that money, know that it’s both a financial and an emotional decision.

Avoiding paying off a 6% interest (post-tax) home loan and instead sensibly investing that money to earn 12-15% return is a good financial decision. On the other hand, clearing the home loan instead of investing that money is a nice emotional decision.

I went by the latter when I was quitting my job, but you can choose to do the former.

Rule #9. Know the Priorities
Don’t invest in the stock market – directly or through mutual funds – till you have an emergency fund, medical insurance, and term insurance in your kitty, and also till you repay all high-interest debt.

In fact, don’t invest any money in the stock market that you may need in the next 1-2 years. If your stocks fall in this short period of time, your financial life may get compromised.

Rule #10. It’s Not (Always) about the Money
While these rules will help you take better care of your money and financial life, remember to not get too focused on these things that you lose out spending time on the real joys of life.

As a wise man, or maybe a woman, once said, “No matter how hard you hug your money, it never hugs back.”

http://www.safalniveshak.com/10-simple-rules-that-brought-me-financial-nirvana/

http://products.iqmatrix.com/pillars-of-success-portal/

see Mind Map pdf for success

6 Habits of Highly Grateful People

The Power Of Now: A Guide To Spiritual Enlightenment

by Eckhart Tolle [New World Library]
Rank/Rating: 19808/-
Price: ¥ 1,571


Happiness cannot be traveled to, owned, earned, worn or consumed. Happiness is the spiritual experience of living every minute with love, grace, and gratitude. –Denis Waitley

 

6 Habits of Highly Grateful People

–by Jeremy Adam Smith, syndicated from Greater Good, Mar 19, 2014

I’m terrible at gratitude.

How bad am I? I’m so bad at gratitude that most days, I don’t notice the sunlight on the leaves of the Berkeley oaks as I ride my bike down the street. I forget to be thankful for the guy who hand-brews that delicious cup of coffee I drink mid-way through every weekday morning. I don’t even know the dude’s name!

I usually take for granted that I have legs to walk on, eyes to see with, arms I can use to hug my son. I forget my son! Well, I don’t actually forget about him, at least as a physical presence; I generally remember to pick him up from school and feed him dinner. But as I face the quotidian slings and arrows of parenthood, I forget all the time how much he’s changed my life for the better.

Gratitude (and its sibling, appreciation) is the mental tool we use to remind ourselves of the good stuff. It’s a lens that helps us to see the things that don’t make it onto our lists of problems to be solved. It’s a spotlight that we shine on the people who give us the good things in life. It’s a bright red paintbrush we apply to otherwise-invisible blessings, like clean streets or health or enough food to eat.

Gratitude doesn’t make problems and threats disappear. We can lose jobs, we can be attacked on the street, we can get sick. I’ve experienced all of those things. I remember those harrowing times at unexpected moments: My heart beats faster, my throat constricts. My body wants to hit something or run away, one or the other. But there’s nothing to hit, nowhere to run. The threats are indeed real, but at that moment, they exist only in memory or imagination. I am the threat; it is me who is wearing myself out with worry.

That’s when I need to turn on the gratitude. If I do that enough, suggests the psychological research, gratitude might just become a habit. What will that mean for me? It means, says the research, that I increase my chances of psychologically surviving hard times, that I stand a chance to be happier in the good times. I’m not ignoring the threats; I’m appreciating the resources and people that might help me face those threats.

If you’re already one of those highly grateful people, stop reading this essay—you don’t need it. Instead you should read Amie Gordon’s “Five Ways Giving Thanks Can Backfire.” But if you’re more like me, then here are some tips for how you and I can become one of those fantastically grateful people.

1. Once in a while, they think about death and loss

 

Didn’t see that one coming, did you? I’m not just being perverse—contemplating endings really does make you more grateful for the life you currently have, according to several studies.

For example, when Araceli Friasa and colleagues asked people to visualize their own deaths, their gratitude measurably increased. Similarly, when Minkyung Koo and colleagues asked people to envision the sudden disappearance of their romantic partners from their lives, they became more grateful to their partners. The same goes for imagining that some positive event, like a job promotion, never happened.

This isn’t just theoretical: When you find yourself taking a good thing for granted, try giving it up for a little while. Researchers Jordi Quoidbach and Elizabeth Dunn had 55 people eat a piece of chocolate—and then the researchers told some of those people to resist chocolate for a week and others to binge on chocolate if they wanted. They left a third group to their own devices.

Guess who ended up happiest, according to self-reports? The people who abstained from chocolate. And who were the least happy? The people who binged. That’s the power of gratitude!

2. They take the time to smell the roses

 

And they also smell the coffee, the bread baking in the oven, the aroma of a new car—whatever gives them pleasure.

Loyola University psychologist Fred Bryant finds thatsavoring positive experiences makes them stickier in your brain, and increases their benefits to your psyche—and the key, he argues, is expressing gratitude for the experience. That’s one of the ways appreciation and gratitude go hand in hand.

You might also consider adding some little ritual to how you experience the pleasures of the body: A study published this year in Psychological Science finds that rituals like prayer or even just shaking a sugar packet “make people pay more attention to food, and paying attention makes food taste better,” as Emily Nauman reports in her Greater Good article about the research.

This brand of mindfulness makes intuitive sense—but how does it work with the first habit above?

Well, we humans are astoundingly adaptive creatures, and we will adapt even to the good things. When we do, their subjective value starts to drop; we start to take them for granted. That’s the point at which we might give them up for a while—be it chocolate, sex, or even something like sunlight—and then take the time to really savor them when we allow them back into our lives.

That goes for people, too, and that goes back to the first habit: If you’re taking someone for granted, take a step back—and imagine your life without them. Then try savoring their presence, just like you would a rose. Or a new car. Whatever! The point is, absence may just make the heart grow grateful.

3. They take the good things as gifts, not birthrights

 

What’s the opposite of gratitude? Entitlement—the attitude that people owe you something just because you’re so very special.

“In all its manifestations, a preoccupation with the self can cause us to forget our benefits and our benefactors or to feel that we are owed things from others and therefore have no reason to feel thankful,” writes Robert Emmons, co-director of the GGSC’s Gratitude project. “Counting blessings will be ineffective because grievances will always outnumber gifts.”

The antidote to entitlement, argues Emmons, is to see that we did not create ourselves—we were created, if not by evolution, then by God; or if not by God, then by our parents. Likewise, we are never truly self-sufficient. Humans need other people to grow our food and heal our injuries; we need love, and for that we need family, partners, friends, and pets.

“Seeing with grateful eyes requires that we see the web of interconnection in which we alternate between being givers and receivers,” writes Emmons. “The humble person says that life is a gift to be grateful for, not a right to be claimed.”

4. They’re grateful to people, not just things

 

At the start of this piece, I mentioned gratitude for sunlight and trees. That’s great for me—and it may have good effects, like leading me to think about my impact on the environment—but the trees just don’t care. Likewise, the sun doesn’t know I exist; that big ball of flaming gas isn’t even aware of its own existence, as far as we know. My gratitude doesn’t make it burn any brighter.

That’s not true of people—people will glow in gratitude. Saying thanks to my son might make him happier and it can strengthen our emotional bond. Thanking the guy who makes my coffee can strengthen social bonds—in part by deepening our understanding of how we’re interconnected with other people.

My colleague Emiliana Simon-Thomas, the GGSC’s science director and another co-director of our Expanding Gratitude project, puts it this way:

Experiences that heighten meaningful connections with others—like noticing how another person has helped you, acknowledging the effort it took, and savoring how you benefited from it—engage biological systems for trust and affection, alongside circuits for pleasure and reward. This provides a synergistic and enduring boost to the positive experience. Saying ‘thank you’ to a person, your brain registers that something good has happened and that you are more richly enmeshed in a meaningful social community.

5. They mention the pancakes

 

Grateful people are habitually specific. They don’t say, “I love you because you’re just so wonderfully wonderful, you!” Instead, the really skilled grateful person will say: “I love you for the pancakes you make when you see I’m hungry and the way you massage my feet after work even when you’re really tired and how you give me hugs when I’m sad so that I’ll feel better!”

The reason for this is pretty simple: It makes the expression of gratitude feel more authentic, for it reveals that the thanker was genuinely paying attention and isn’t just going through the motions. The richest thank you’s will acknowledge intentions (“the pancakes you make when you see I’m hungry”) and costs (“you massage my feet after work even when you’re really tired”), and they’ll describe the value of benefits received (“you give me hugs when I’m sad so that I’ll feel better”).

When Amie Gordon and colleagues studied gratitude in couples, they found that spouses signal grateful feelings through more caring and attentive behavior. They ask clarifying questions; they respond to trouble with hugs and to good news with smiles. “These gestures,” Gordon writes, “can have profound effects: Participants who were better listeners during those conversations in the lab had partners who reported feeling more appreciated by them.”

Remember: Gratitude thrives on specificity!

6. They thank outside the box

 

But let’s get real: Pancakes, massages, hugs? Boring! Most of my examples so far are easy and clichéd. But here’s who the really tough-minded grateful person thanks: the boyfriend who dumped her, the homeless person who asked for change, the boss who laid him off.

We’re graduating from Basic to Advanced Gratitude, so pay attention. And since I myself am still working on Basic, I’ll turn once again to Dr. Emmons for guidance: “It’s easy to feel grateful for the good things. No one ‘feels’ grateful that he or she has lost a job or a home or good health or has taken a devastating hit on his or her retirement portfolio.”

In such moments, he says, gratitude becomes a critical cognitive process—a way of thinking about the world that can help us turn disaster into a stepping stone. If we’re willing and able to look, he argues, we can find a reason to feel grateful even to people who have harmed us. We can thank that boyfriend for being brave enough to end a relationship that wasn’t working; the homeless person for reminding us of our advantages and vulnerability; the boss, for forcing us to face new challenges.

“Life is suffering. No amount of positive thinking exercises will change this truth,” writes Emmons in hisGreater Good article “How Gratitude Can Help You Through Hard Times.” He continues:

So telling people simply to buck up, count their blessings, and remember how much they still have to be grateful for can certainly do much harm. Processing a life experience through a grateful lens does not mean denying negativity. It is not a form of superficial happiology. Instead, it means realizing the power you have to transform an obstacle into an opportunity. It means reframing a loss into a potential gain, recasting negativity into positive channels for gratitude.

That’s what truly, fantastically grateful people do. Can you?

For more reasons to practice gratitude, check out this infographic created by Here’s My Chance.


This article is printed here with permission. It originally appeared on Greater Good, the online magazine of the Greater Good Science Center (GGSC). Based at UC Berkeley, the GGSC studies the psychology, sociology, and neuroscience of well-being, and teaches skills that foster a thriving, resilient, and compassionate society.

http://www.dailygood.org/story/663/6-habits-of-highly-grateful-people-jeremy-adam-smith/

 






The Power Of Now: A Guide To Spiritual Enlightenment

by Eckhart Tolle [New World Library]
Rank/Rating: 19808/-
Price: ¥ 1,571

A Philosopher's Notes: On Optimal Living, Creating an Authentically Awesome Life and Other Such Goodness

by Brian Johnson [en*theos Enterprises]
Rank/Rating: 54901/-
Price: -



How to Eliminate Junk Stimulus

 

How to Eliminate Junk Stimulus

–by Greater Good Berkeley, syndicated from Greater Good, Jan 12, 2014

Reigning in clutter adds ease to your life.

We Americans are often overwhelmed and exhausted. Did you know that 235 million people are currently grappling with feelings of time-starvation and moderate to high levels of stress, exhaustion, or burn-out in the United States alone?

While many things factor into this collective exhaustion, I’ve found, in my own life, that much of it stems from the sheer amount of stimulus and the build-up of, well, stuff. Here are several ways I filter out what I’ve come to think of as “junk stimulus.”

1) First, rid your environment of physical clutter.

• Clean out one drawer or shelf everyday religiously until everything in your home has a place—and everyone in your household knows where that place is. Commit to five minutes a day, everyday, until the job is done.

• Find a large box for donations or other “give aways,” and put it somewhere accessible until you are finished with this process. Donate or recycle anything that hasn’t been used for a year.* This goes for clothes, dishes, books, furniture (yes, furniture!), games, toys, shelf-stable food and spices, the super-awesome tortilla maker you’ve really wanted to try out since you picked it up in the ‘80s, and that tent you haven’t pitched for three years. Remember that your stuff is for today, not some imagined future. Be ruthless—you will thank me later every time you open a tidy, nearly empty, drawer or cupboard.

2) Now, limit the amount of stuff you let back into your house.

• Cancel all snail mail except things like hand-written thank you notes. Sign up to get your bills online. Cancel ALL catalogs and junk mail. (I like the free app PaperKarma : You take a picture of catalogs, mailers, credit card offers, phone books—and they get you off the mailing list!) You can get everything you need online or in a digital version, including books, magazines, newspapers, season information from your local theatre, information from non-profits you love, concert schedules. You may have to call them to ask them to remove you from the list; I’ve had to plead and beg in the past. Again, be ruthless when you ask to be removed from these lists: All that direct mail is clutter.

• Put a recycling bin right by the door that you walk through with the mail, and don’t open junk mail that comes through—photograph it for PaperKarma, then rip it up and recycle it.

• Don’t go into a store without a list of what you need, and don’t let yourself buy anything that isn’t on the list. (This works wonders with my children, especially in places like Costco.)

3) Next, get rid of all unneeded media and audible stimulus.

• Turn the ringer off on your land line, if you’ve still got one and you still get junk calls (even though you are on the Do Not Call registry ). Have friends call your cell phone, and use your landline to check messages or to dial out only.

• Turn off your TV unless you intend to watch something specific. Don’t expose yourself to advertising—it is junk stimulus in and of itself. Record your shows and fast forward through the ads.

• Identify sources of irritation or unwanted stimulation in your household, like whining, too-loud music or background television, . Make a concrete plan for how you will eliminate this junk stimulus over the next few weeks.

• If your home or workspace is noisy, play soothing music or put white noise on in the background—ironically, it will help filter out noise. This is a proven way to sleep better! (I like the app White Noise .)

4) Finally, prune niggling tasks, because if you feel hassled by a long task list, this too is a source of junk stimulus. So weed that puppy down with gusto until it is a realistic representation of what you actually can accomplish given your current status as a human being (and not a super computer).

• Automate as many of the routine tasks on your list as you can. Set your bills up on auto-pay. Create a standing grocery order (I use planetorganics.com, and they choose seasonal fruits and vegetables for me). Install a timed watering system for potted plants. Get an automatic pet feeder. Note: Don’t automate anything that brings you joy.

• For most people, email is a to-do item that never quits. Rein it in. Which emails do you really have to read? Which must you respond to? Consider boldly deleting everything that you don’t absolutely need. I love gmail’s new tabs—they allow me to batch-delete emails that I don’t have time to read before I get sucked in and read them anyway. And I use a “bypass the inbox” filter for a lot of emails—they just go straight to a file, where they wait for me until I have time for them. Feel free to respond to email on YOUR terms; there is no law in the universe that says that you must sacrifice your sleep, well-being, or other priorities simply so that you can get through your email.

• Prune your to-do list with this question: If it turns out that my life is a lot shorter than I hope it will be, which of the things on my list right now will I wish I hadn’t wasted time on? Pay particular attention to anything you do just for prestige, praise or to feel superior to others, anything that makes you tense or anxious but doesn’t contribute to your growth over the long haul, and anything that involves toxic people or situations.

How do you feel when you’ve pruned all this clutter? What other things do you do to eliminate junk stimulus?

*Warning: this process will probably be derailed if you start trying to sell your stuff—that is a totally different project. Donate it to a good cause; write-off the donation if you’d like.


This article is printed here with permission. It originally appeared on Greater Good, the online magazine of the Greater Good Science Center (GGSC). Based at UC Berkeley, the GGSC studies the psychology, sociology, and neuroscience of well-being, and teaches skills that foster a thriving, resilient, and compassionate society.

Germany vs Argentina – I Prediction, Support strategy of Germany as Champion World Cup 2014

Post winning of Germany.. Hurray…

Germany through to World Cup final after 7-1 rout of host Brazil

A huge crowd of German fans explodes and cheers while watching the semi-final World Cup game against Brazil.

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Text:

Chris Lehourites, The Associated Press 
Published Tuesday, July 8, 2014 4:44PM EDT 
Last Updated Tuesday, July 8, 2014 7:30PM EDT

BELO HORIZONTE, Brazil — Germany poured in the goals Tuesday to hand Brazil its heaviest World Cup loss ever with an astounding 7-1 rout in the semifinals that stunned the host nation.

Miroslav Klose scored a record-setting 16th career World Cup goal in a five-goal spurt in the first half as Brazil's defence was torn apart.

The Germans reached their eighth final and will face either Argentina or the Netherlands on Sunday at the Maracana Stadium in Rio de Janeiro.

PHOTOS

German soccer fans celebrate after their team won the Brazil World Cup semi final being played in Belo Horizonte, Brazil, between Germany and Brazil at a public viewing event called 'Fan Mile' in Berlin, Tuesday, July 8, 2014. (AP / Markus Schreiber)

Brazil's Oscar, right, passes by celebrating German players after Germany's Thomas Mueller scored the opening goal during the World Cup semifinal soccer match between Brazil and Germany at the Mineirao Stadium in Belo Horizonte, Brazil, Tuesday, July 8, 2014. (AP / Frank Augstein)

Brazilian supporters holding Neymar face masks react after Germany defeated Brazil 7-1 to advance to the finals during the World Cup semifinal soccer match between Brazil and Germany at the Mineirao Stadium in Belo Horizonte, Brazil, Tuesday, July 8, 2014. (AP / Andre Penner)

Germany's Miroslav Klose scores during the World Cup semifinal soccer match between Brazil and Germany at the Mineirao Stadium in Belo Horizonte, Brazil, Tuesday, July 8, 2014. (AP / Hassan Ammar)

Previously, Brazil's biggest World Cup loss was 3-0 to France in the 1998 final. This matched their biggest ever margin of defeat in any competition, equaling a 6-0 loss to Uruguay in 1920 in the South American championship, the predecessor of the Copa America..

"We wanted to make the people happy … unfortunately we couldn't," defender David Luiz said. "We apologize to all Brazilians"

It's also Brazil's first loss in a competitive match on home soil since 1975, when Peru won 3-1 at the very same Mineirao Stadium in the Copa America. Its last loss at home came in a friendly with Paraguay in 2002.

Brazil's attack was weakened by the loss of Neymar, who fractured a vertebra after getting kneed in the back in the quarterfinal win over Colombia. But it was Brazil's porous defence that was the biggest problem in the first half as the host also sorely missed suspended captain Thiago Silva.

On Tuesday, with Bernard playing as the third striker, Brazil attacked from the start. But they failed to get any solid chances, and it wasn't long before the Germans opened up the defence and started the rout.

Toni Kroos and Andre Schuerrle scored two goals each, while Thomas Mueller and Sami Khedira added the others.

Oscar pulled a late goal back for Brazil.

It was Germany's biggest World Cup win since routing Saudi Arabia 8-0 in a group match in 2002.

Klose scored his record goal in the 23rd minute, pushing him past Brazil striker Ronaldo's 15 career World Cup goals. The German had his original shot saved, but he followed up as Brazil goalkeeper Julio Cesar spilled the ball, easily scoring from the rebound.

Kroos scored his first goal in the 25th minute, knocking in a cross from Philipp Lahm that bypassed Mueller in the middle. He made it 4-0 a minute later, beating Cesar after a defensive mistake from Fernandinho left the ball on the feet of Khedira.

Mueller scored the first goal, one-timing a corner from Kroos past Cesar in the 11th minute. Khedira made it 5-0 in the 29th, taking a pass from Mesut Ozil and again beating Cesar.

Schuerrle, who came on for Klose in the 58th minute, scored from a cross by Lahm in the 69th, and then knocked a shot off the underside of the crossbar and into the net in the 79th.

It's the first time Brazil had allowed five goals in a World Cup match since the 1938 tournament in France, when the team beat Poland 6-5 in extra time.

Read more:http://www.ctvnews.ca/sports/germany-through-to-world-cup-final-after-7-1-rout-of-host-brazil-1.1904493#ixzz36vofeJUF

vs
COMPETITION NO: 0701 - W CUP
End of Tournament: 14/07/2014
  Team No.   Team   Odds   Team No.   Team   Odds
02
ARGENTINA
<4.50>

3.30

09
HOLLAND
<20.00>

4.20

03
GERMANY
<5.00>

1.67

IN a clash steeped in World Cup history, the Netherlands and Argentina face off in what promises to be a semi-final classic at Sao Paulo’s Arena Corinthians on Wednesday.

In four previous meetings between the two sides, the Dutch have prevailed twice. Argentina won one and the other game ended in a draw.

But Argentina’s victory came in the biggest match of them all — at the final of the 1978 World Cup.

Four years after being hammered 4-0 by the Dutch in their second-round match, a Mario Kempes-inspired Argentina claimed their first World Cup title with a 3-1 win after extra-time.

http://www.dawn.com/news/1118042/history-hangs-heavy-on-todays-semi-final

Running Man

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Singapore PSI – Google app

PSI


myEnv from NEA – Google play store, App





PSI (With effect from 1 April 2014)

With effect from 1 April 2014, Singapore will move to an integrated air quality reporting index, where PM2.5 will be incorporated into the current Pollutant Standards Index (PSI) as its sixth pollutant parameter. The PSI will therefore reflect a total of six pollutants – sulphur dioxide (SO2), particulate matter (PM10) and fine particulate matter (PM2.5), nitrogen dioxide (NO2), carbon monoxide (CO) and ozone (O3).

The 3-hr PSI will take into account PM2.5 concentrations. In addition, NEA will also publish the 1-hr PM2.5 concentrations every hour.

For past 24 hour PSI reading click here. For historical PSI reading click here.


Note: Air quality based on PSI is as follows:

PSI Value Air Quality Descriptor
0 – 50 Good
51 – 100 Moderate
101 – 200 Unhealthy
201 – 300 Very unhealthy
Above 300 Hazardous
Forecast

Health Advisory for General Public

The health impact of haze is dependent on one’s health status (e.g. whether one has pre-existing chronic heart or lung disease), the PSI (Pollutant Standards Index) level, and the duration and intensity of outdoor activity. Reducing outdoor activities and physical exertion can help limit the ill effects from haze exposure. Persons who are not feeling well, especially the elderly and children, and those with chronic heart or lung conditions, should seek medical attention.

24-hr PSI

Healthy persons

Elderly, pregnant women, children

Persons with chronic lung disease, heart disease

≤100
(Good/Moderate)

Normal activities

Normal activities

Normal activities

101- 200
(Unhealthy)

Reduce^ prolonged** or strenuous*** outdoor physical exertion

Minimise^^ prolonged** or strenuous*** outdoor physical exertion

Avoid^^^ prolonged** or strenuous*** outdoor physical exertion

201 – 300
(Very Unhealthy)

 

Avoid^^^ prolonged** or strenuous*** outdoor physical exertion

Minimise^^ outdoor activity

Avoid^^^ outdoor activity

>300 
(Hazardous)

 

Minimise^^ outdoor activity

Avoid^^^ outdoor activity

 

Avoid^^^ outdoor activity

** Prolonged = continuous exposure for several hours

*** Strenuous = involving a lot of energy or effort

^ Reduce = do less

^^ Minimise = do as little as possible

^^^ Avoid = do not do

- See more at: http://app2.nea.gov.sg/anti-pollution-radiation-protection/air-pollution-control/psi/psi#sthash.5F7YQmdx.dpuf

Big Data for Better Performance – open2study.com

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