IPL 2019: No opening ceremony, money to be donated to families of Pulwama martyrs

In light of the recent Pulwama attack, the Committee of Administrators (CoA) chief Vinod Rai on February 22 said that this year’s Indian Premier League (IPL) will not have any opening ceremony. The money due to be spent on the ceremony will instead be donated to families of the martyred.

The opening ceremonies of the IPL are usually glitzy affairs with performances from Bollywood stars being the major highlight. However, the CoA has decided to scrap the glamorous event as a sign of solidarity towards the families of the martyrs.

The IPL is set to begin on March 23 with last year’s champions Chennai Super Kings taking on the Royal Challengers Bangalore in Chennai.

The Pulwama attack took place on February 14 and its effects are being strongly felt even in the cricketing world. There have been increasing calls for India to boycott their match against Pakistan at the upcoming Cricket World Cup in England. Former players like Harbhajan Singh and Mohammad Azharuddin have called for a boycott while a few such as Sunil Gavaskar have pointed out that such a move doesn’t benefit India in any way.

The Rai-led CoA is yet to take any stand on India playing Pakistan at the World Cup but have said that they will approach the ICC with an appeal to ban Pakistan due to the country acting as a terrorist hub.

“We are in talks with the government. No decision has been taken on the June 16 match. We are expressing two concerns to the ICC. We will ask for more protection for players during the World Cup and we will tell cricketing nations to sever ties with any nation that is a terrorist hub,” said Rai following a meeting of the CoA.

[“source=moneycontrol”]

Money advice can’t be generalised

(Representative image)
NEW DELHI: There is a consistent complaint about this column. Why does it not provide specific action points? Can’t we have actual products as recommendations? Why explain the principles but stop short of converting them into thumb rules?

Personal finance cannot be generalised. Broad principles are universal, but actual application requires decisions the individual should make, based on their specific situation. Therefore, a specific set of steps will not work for all. So the effort is to point the reader to some principles, offer some ideas that enable them to think of their decisions, and provide frames for evaluation.

Let’s rework last week’s column on worries of the soon-to-retire generation. We tried to point out how those of us who don’t have a government pension, those who aren’t rooted to their bases, and those who don’t enjoy great health, might end up with a mixed bag of retirement experiences.

To convert that problem into an actionable set of rules would go like this: (I am not recommending these, only putting them here to illustrate a point). First, ensure that you earn a fixed income like a pension. Choose government-sponsored schemes and invest your retirement proceeds in schemes that offer annuity, pension, fixed interest and such. Second, make sure you have your own home to live in. Do not touch the retirement corpus. Third, buy a good medical insurance before any disease strikes. Fourth, do not stay idle, find something to do. Fifth, stay healthy.

The rest of the column can expound each of these. How much should the corpus be? How much to draw and how much to keep? Which medical insurance is best? Will the money get over if I pursue new hobbies?

The answers to all these questions is just math. In an excel sheet you can put numbers and assumptions, and you will soon have a number of scenarios and you can choose one that appeals to you most. We can make sense of the math, and make choices from what is on offer.

First, what should someone without pension do? Hopefully there is some money set aside—in PF, as investments and as assets. Bring all of it together. Include the houses, plot and gold—all assets you inherited or invested in. Evaluate each one and put them in those three boxes. You will get a sense of what you have.

Second, when you no longer earn an income, your assets must generate it for you. To know how much you need, make an estimate and include interests, travel, gifts and giveaways, and your regular expenses. What is a comfortable position? You have enough assets. A portion can be used to generate income, and a portion can grow in value and remain untouched.

Comfort in retirement is achieved when you have income that is enough and assets that are growing and can be tapped as inflation increases the amount of income you need. Money you need should be in income generating assets; money you don’t immediately need should be in growth generating assets. You need both. Over time you will shuffle between the two as needs change.

You already have many questions. And, there are no simple answers. You created the assets and you will bring them together and make them work the best for you. If that means selling your large house to move into a small one, and taking your spouse on a world cruise, you have to make that choice. No columnist can do it for you.

[“source=timesofindia.indiatimes”]

Want to be creative? Follow these simple tricks

1/10Want to be creative? Follow these simple tricks

“Oh I am not that creative”- we all must have heard this sentence a number of times. And if you are someone who thinks that being creative is not everybody’s cup of tea, then let us break this myth for you.

Nobody is born creative, the art of thinking out of the box is an acquired one. Let us put this straight that everyone is creative in their own way.

Actually calling yourself non creative is a toxic mentality to have. Creativity is often understood as a way of thinking that is different and unique. You have to first make yourself believe that you can do anything, and then take the right steps to do it.

2/10Creativity differs from person to person

The reason why you think you are not that creative is because you are in all likelihood comparing yourself with others who are famous. You cannot compare yourself to Pablo Picasso or Lady Gaga; they are good at what they do and you may be great at what you do.

And as is rightly said “if you judge a fish by its ability to climb a tree, it will live its whole life believing that it is stupid.”

So if you truly want to be creative do not do these 8 things:

3/10Consider your work is done

Never consider your job as finished. Once the deadline approaches, we finish our work and consider it done and do not revisit it again. But if you are a creative soul, you know deep down that a project is never completed. Every time you revisit that particular work, you come up with a different alternative, to make it better.

4/10Think your idea is original

Nobody sprouts ideas on their own, so no idea is an original one. Every single person needs some sort of inspiration and that source of inspiration could be anything. You just need to be a little observant so keep looking for new ideas. You never know when you’ll come across something magical.

5/10Stay Comfortable

Some people are not creative because they do not look for things out of their comfort zone. Creativity will never come to you, you have to continuously keep searching for a new source of ideas. A true artist is the one who pushes his boundaries and gets out of their comfort zone. A truly creative person will be ready to take risks and willing to make mistakes.

6/10Compromise your style

Never surrender yourself in front of others’ opinion. This is one of the hardest things to do. People may often ask you to compromise your ideas in return of a nice reward, but you have to be firm on your decision. It is you who has to decide what is most important.

7/10Learn to accept rejection

In order to be creative, you need to be brave. Embrace your mistakes and learn to accept rejections. It is obvious that when you will step out of your comfort zone and try new things, people will tell you not to go that way. They would criticise you for your decisions, but you need to be brave to follow your heart and not be afraid of their comments.

8/10Never waste your time

If you want to be creative, never waste your spare time. Doodling is something that increases your productivity. Engage yourself in different kind of activities. More you absorb information, more creative you become.

9/10Challenge yourself

Try to challenge yourself every day, this helps a lot. Try some creative exercises, this will help you to think quick and creatively. You can also try painting and colouring.

10/10Look to nature for answers

Creativity never comes to those who lock themselves in a closed room. Look to nature for some ideas. Invest your time in nature as it is one of the best sources of inspiration.

[“source=timesofindia.indiatimes”]

9 Ways to Be More Creative in 2019

Salvador Dali in Figueres, Spain, circa 1900. Photo by Kammerman/Gamma-Rapho via Getty Images.

If your New Year’s resolutions include improving your fitness routine or diet, being more creative should be on your list, too. With advantages ranging from greater brain function and productivity to better mood and memory, creativity can help improve your life at work and home. Anyone can benefit from the nine exercises listed below, whether you’re seeking fresh inspiration for your art practice or just looking to improve your problem-solving skills in 2019.

Take a free online art class

It’s never been easier to take an art class. From your phone or computer, you can dive into lessons and videos covering everything from the basics of analog photography to the history of Egyptian art. Free online classes and MOOCs (massive open online courses)—which you can find through websites like Class Central, Skillshare, and Coursera—allow you to access weeks- or months-long courses in various creative fields. Many of these curricula allow you to work at your own pace, and some are even offered by prestigious universities.

Stop procrastinating

It’s a common misconception that all people who routinely put off their work are procrastinators—and that creative geniuses like

and

were famous for this type of behavior. However, if you leave an assignment until the last minute knowing full well that you’ll still be able to get your work done—and done well—your actions are more accurately described as “purposeful delaying.” True procrastinators, on the other hand, end up producing work that’s worse not just in quality, but in terms of creativity, as well.

Some helpful strategies for kicking your procrastination habits include working during the times of day when you’re naturally most productive, breaking down big assignments into more manageable tasks, and minimizing distractions while you’re working, like turning off your phone.

Start a drawing routine

Drawing is not only an accessible means of creative expression, it can also help you process emotions and enhance your memory—in fact, a new studyfound that drawing is more effective than writing for memory retention. Like anything, you’ll need to make it part of your routine in order to stick with it and improve your skills.
One way to start is to keep a sketchbook, which you may choose to fill with depictions of your surroundings, travels, friends, or simple

you can assemble from household items. The beauty of a sketchbook is that you don’t have to worry about making mistakes, and you can keep it to yourself, like a diary.

Meditate

Meditation has long been utilized as a means to tame anxiety and tap into creativity—and countless artists and other creatives have caught on. Take, for instance, filmmaker

, who is largely responsible for growing enthusiasm around Transcendental Meditation (TM), and performance artist

, who follows a form of focused-attention meditation (FA).

In its various forms, meditation has been found to improve skills that are key to creativity, including observation skills, divergent thinking (the ability to come up with many novel ideas or solutions to a problem), and convergent thinking (the ability to find connections between different things). If you don’t know where to begin, consider a meditation app, like Headspace or Calm.

Eat more fish and walnuts

Researchers believe that you can optimize your diet for greater creativity—and unsurprisingly, the recommended foods are staples of a healthy diet. They include fruits and vegetables, which contain creativity-boosting flavonoids; fish, walnuts, and other foods that are rich in omega-3 fatty acids, which heighten brain performance; as well as bananas, almonds, and seaweed, which contain tyrosine, an amino acid that’s been linked to convergent thinking. To be clear, this approach won’t work overnight, but rather through a long-term diet.

Broaden your dating pool

A recent research study found that the deep learning that occurs during a romantic relationship with someone from another country may contribute to creativity. For one experiment, researchers worked with a group of students enrolled in an international MBA program over the course of 10 months, and tested their creativity at the beginning and end of the program; those who had dated someone from another culture had “superior creative performance.” Other experiments supported these findings, showing that the depth of a relationship correlates with a person’s convergent and divergent thinking.

Sleep smarter

While some studies have found that creative people don’t sleep well, adequate sleep is recommended for boosting the cognitive functioning that creativity requires. Both a full night’s sleep and power naps have been shown to help with idea generation;

and Thomas Edison were known to regularly nap for this reason.

Getting enough sleep at night, however, is particularly important for creative problem-solving. A study published in June 2018 suggested that both REM and non-REM sleep play a role in enhancing a person’s creative thinking. A previous study found that when people had a full eight hours of sleep before trying to solve a problem, as opposed to staying awake, nearly triple the number of participants were able to solve the problem. One of the easiest ways to become a better sleeper is to develop “sleep stability,” meaning going to bed and waking up at the same time every day (even on weekends).

Take more museum trips

Researchers working at the intersection of arts and medicine have proven that the seemingly dissimilar fields are mutually beneficial—even when it comes to the simple act of viewing an artwork in person. This year, studies reported findings that patients stand to benefit from doctor-prescribed museum visits, and likewise, doctors can learn crucial observation skillsthrough carefully examining art. If you’re wary of a fatigue-inducing museum trip, make a plan to visit one exhibition or gallery, or even just one work of art—this approach is also a good one if you’re planning on seeing art with children.

Spice up your cooking or baking rituals

If making art is not your cup of tea, perhaps you find food more accessible. Cooking invites just as much room for experimentation as art, and for many artists, like Olafur Eliasson, the ingredients, science, and ethics of food can spur fresh ideas and lead to fruitful, communal meals. While the alchemy of baking may seem to leave less room for improvisation, devotees of The Great British Bake Off and Instagram users will know well that there’s no shortage of innovative bakers and pastry chefs pushing confections into the realms of art.
[“source=artsy.net”]