Top 4 money myths decoded

When it comes to investing, spending and saving money, people used to follow and practice certain age-old money myths which they believe are true for every case.

Money Mistakes, Financial Misconceptions: Top 4 money myths decoded

An individual falling into a debt trap completely depends on the spending habits and repayment of loans  |  Photo Credit: Thinkstock

New Delhi: When it comes to investing, spending and saving money, people used to follow and practice certain age-old money myths which they believe are true for every case. There have been a number of generalised statements and myths with regard to investments, spending style and saving money which are actually not true. In the rapidly changing dynamics of availability and requirement of funds, a static statement can’t be applicable to every person when you are required to decide on investing, planning, spending, etc,

People, however, follow generally accepted statements following which they unknowingly end up in disturbing their respective financial health. A financial decision, be it the number of credit cards, investment option or spending style, varies from person to person.

Here are top 4 money myths decoded

For investments, you need huge amount of money 

When it comes to investing, people think a huge amount is required otherwise there is no point in investing. This is absolutely false. An individual can start investing and saving from as low as Rs 100. You can surely start from the scratch following which you can slowly and steadily increase the frequency and quantum of money.

More credit cards will lead to debt trap

Higher the number of credit cards, higher will be the possibilities of debt trap situation, this is assertion is also false. An individual falling into a debt trap completely depends on the spending habits and repayment of loans, if any. More number of credit cards even increases the possibility of a good credit utilisation ratio.

Big online sales give highest discounts

The most common belief of all the online shopping carnivals offering lucrative discounts is not true. Most of the times, people fall for their marketing and position tactics and start believing that this is the last time when we can get the best deals. All the online shoppers should get themselves aware of the fact that all the online sales are largely similar. The prices of products change on a minuscule level, the only big difference lies in the name of sale, how well it is positioned alongside a festival.

Mutual fund SIPs are safe 

There is a widely accepted convention that mutual fund SIPs are safe and no money will be lost in any case. Mutual funds are nothing but a well constructed, balanced, and managed portfolio of stocks, bonds and other market tradable securities. Mutual funds can only reduce or diversify the risk. Mutual fund investing can’t eliminate the risk completely.

[“source=timesnownews”]

Top Gear Series 25 Episode 1 review: The future finally looks bright

Matt LeBlanc and Chris Harris in Top Gear

Top Gear is revving its engines as it looks to accelerate full-speed ahead into a new era after its stalled start in 2016. But if the first series without Clarkson, May and Hammond was a *cough* car crash – Chris Evans’ iteration was a disappointment with critics and audiences alike – and last year’s series was an attempt at rebuilding, then the new run looks ready to put the pedal to the metal and maybe even guide it back to its glory days.

It’s down to Matt LeBlanc, Chris Harris and Rory Reid to find their own identity while winning back long-time fans of Top Gear – and on the evidence of the first episode of series 25, they look very close to striking a winning formula that stays true to the show without becoming a cheap imitation of its past.

LeBlanc appeared comfortable at the helm in the first episode of the new season, although if truth be told, with his presenting team of Chris Harris and Rory Reid, it feels like the three petrolheads are on an equal footing, enjoying their time together.

The banter between the trio is fantastic – and it was an inspired choice to kick the series off with an episode almost entirely dedicated to a road trip across Nevada in tribute to the V8 engine.

Their cheeky humour shines through, especially with a number of impromptu tasks, including a Wild West “duel in the dirt”. After which, the loser is faced with a nail-biting challenge – the watch-between-your-fingers ‘Chain Car Figure of 8’ which really has to be seen to be believed.

It’s not all long open roads and inventive tasks, though – at one point, the trio face a race against Officer Block as they run a crate of moonshine to the state line. And we’ve also got the return of the Star In A Reasonably Priced Car segment, which is a very welcome move.

BBC's Top Gear season 25 - The Stig

This week, it’s comedian Rob Brydon in the hot seat – and it’s worth watching for his commentary on his run alone. Charming, hilarious and knowledgeable, he’s a great guest to kick off the series, even if Matt and Rory can’t resist tearing into some of his choices in cars.

He set himself a goal of beating Tinie Tempah’s time of 1:50.04 – you’ll have to check the episode this weekend to see if he was able to – but the excuses came in early as the track was absolutely drenched.

Battling the elements, Rob struggled with the gears but got enough control to put in a very good effort. Commentating on his run, he teased from the studio: “The classic Roman profile gripping the wheel with assuredness and a strange sensuality.”

Naturally, it’s not perfect – some lines and segments come across as a little awkward and too scripted, with the three stars still finding their feet and getting used to each other. Reid admitted last year that chemistry doesn’t come overnight, and while that’s definitely true, they’ve still taken great strides and now come across as much more likeable.

There was a slight disappointment that the trio couldn’t complete a challenge at Bonneville – the US’ fastest race track – because freak rain left it waterlogged, but they seem just as gutted as us. Harris admitted: “I suppose I’ve now got one of the worst Bonneville stories out of anyone I know.”

All in all, the biggest take away from the first episode is just how easy it is to watch without comparing it to what has come before, and enjoy it for what it is. Sure, The Grand Tour has Top Gear’s successful and beloved trio at the helm, but LeBlanc, Harris and Reid are in the driving seat of a new era and the road ahead looks clear. Hit the gas, boys.

[“Source-digitalspy”]

YouTube Unveils Top 10 Trending Videos of 2017

YouTube Unveils Top 10 Trending Videos of 2017

HIGHLIGHTS

  • Despacito tops the chart as the most viewed video of all time
  • 6 out of 10 music videos are in Spanish language
  • Trending videos are not necessarily the ones with the most views

2017 is almost coming to an end and YouTube, in yearly tradition, has released its top 10 list of trending videos along with the top 10 music videos that ruled the charts this year. YouTube’s list for India is expected next week. The music videos list is topped, unsurprisingly, by Luis Fonsi’s Spanish song Despacito (featuring Daddy Yankee) that recently became the most watched video on YouTube raking in more than 4.4 billion views. It broke the record set three years ago by PSY’s Gangnam Style.

Other music videos in the top 10 list include Ed Sheeran’s popular song Shape Of You and That’s What I Like from Bruno Mars. The interesting part about this year’s list is that 6 out of the 10 music videos are in Spanish, a feat that owes itself mostly to Despacito’s blockbuster success.

On the other hand, the top 10 trending videos of 2017 include a variety of genres like covers of Shape Of You, a ping pong trick shots video from the Dude Perfect channel, and Lady Gaga’s Pepsi Zero Sugar Super Bowl video from this year’s NFL finale.

Collectively, the 10 top viral YouTube videos have racked up more than 633 million views (83 million more than last year’s top 10 list) and have been watched for over 40 million hours. The top trending videos are, in fact, not the most viewed videos for the calendar and are based on YouTube’s algorithm that takes into account a combination of factors including measuring users interactions (number of views, shares, comments, and likes).

YouTube Top 10 Trending Videos of 2017

Until We Will Become Dust – Oyster Masked | The Mask Singer 2

 

Ed Sheeran – Shape Of You | Kyle Hanagami Choreography

Ping Pong Trick Shots 3 | Dude Perfect

Darci Lynne: 12-Year-Old Singing Ventriloquist Gets Golden Buzzer – America’s Got Talent 2017

Ed Sheeran Carpool Karaoke

Lady Gaga’s Full Pepsi Zero Sugar Super Bowl LI Halftime Show | NFL

“Inauguration Day” – A Bad Lip Reading of Donald Trump’s Inauguration

Bill Wurtz’s history of the entire world, i guess

In a Heartbeat – Animated Short Film

Children interrupt BBC News interview – BBC News

YouTube Top 10 Music Videos of 2017

Luis Fonsi – Despacito ft. Daddy Yankee

Ed Sheeran – Shape of You [Official Video]

J Balvin, Willy William – Mi Gente (Official Video)

Maluma – Felices los 4 (Official Video)

Bruno Mars – That’s What I Like [Official Video]

Chris Jeday – Ahora Dice (Official Video) ft. J. Balvin, Ozuna, Arcangel

El Amante – Nicky Jam (Video Oficial) (Album Fénix)

Jason Derulo – Swalla (feat. Nicki Minaj & Ty Dolla $ign) (Official Music Video)

DJ Khaled – I’m the One ft. Justin Bieber, Quavo, Chance the Rapper, Lil Wayne

Enrique Iglesias – Subeme la Radio (Official Video) ft. Descemer Bueno, Zion & Lennox

[“Source-gadgets.ndtv”]

Moto Makes a Strong Comeback in the US, Enters Top 5: Counterpoint

Moto Makes a Strong Comeback in the US, Enters Top 5: Counterpoint

Lenovo brand Moto made a significant comeback in the US in the third quarter this year, almost doubling its volumes and market share annually and was the fastest growing brand, Counterpoint Research said on Saturday.

The US smartphone shipments remained flat during the third quarter. Moto, ZTE, and LG registered strong gains and Verizon remained the largest smartphone sales channel, revealed Counterpoint’s Market Monitor programme.

“Motorola jumped back into the top five rankings after a long time. Motorola’s focus on affordable devices for prepaid/unlocked market and breaking out from Verizon’s shadows helped drive growth during the quarter,” said Research Analyst Archana Srinivasan.

Motorola also benefited in terms of visibility with presence across all four of the major carriers with its Moto Z2 Force Edition in premium segment.

“The Moto E series was actually the key volume driver for Motorola during the quarter across prepaid and open channels,” Srinivasan added.

Verizon had a good quarter and remained the biggest channel for smartphone sales, followed by T-Mobile, AT&T, and Sprint.

“LG had a strong quarter recording highest ever volume for the third quarter closing on Samsung volumes, especially at T-Mobile & Sprint,” said Research Director Neil Shah.

Apple iPhone 7 was the most popular smartphone in the US. The Moto E4 and LG Stylo 3 were also solid performers. LG grew its share to 17.6 percent.

ZTE grew its smartphone volumes 34 percent (year-on-year).

[“Source-gadgets.ndtv”]