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Top 5 Budgeting Apps for iPhone

This is a Guest Post written by Elvin, a tech writer who is into Finance and Marketing. Catch her @financeport. Payday loans are instant loans which are helpful when you run short of funds.

iPhone © by Yutaka Tsutano

In this high-tech generation most of the people are concerned about their lifestyles. People are making every possible way to save money. The technology is making some fabulous innovations which can track your expenses and make you think beyond your expenses.

In the market there is lots of boom with the launch of Smartphones like Samsung S3 and the iPhone which has amazing apps which are helpful to you in your daily by many ways. These apps belong to different categories like business, finance, entertainment, gaming, sports and many more. Business, finance and gaming are most downloaded categories as these help in your work and leisure time. There are lots of finance and budgeting applications which are helpful to track your expenses and finance matters. Some of them are;

Expenditure:

Expenditure: A very nice expense tracker

This is the amazing application which tracks both finance and budget. It has superb features to make your work efficient and display the accurate results by making the transactions. This app comes with all types of the budgeting process with different categories like household budget, electronics, food and many more. When you do any transaction it will give you the accurate report. It also has the inbuilt currency converter to make your transactions go easy.

Visit iTunes App Store for Expenditure

Smart Budget:

Smart Budget : With smart interface

This application lets you to control your expense in a smart way. It gives you the details of each and every penny spends. It shows you the details in different categories. It calculates your income, salary, incentives and the expenditures like food, clothing, accommodation, travel, hotel etc… This app keeps the track of things how much they are used and things which are never used. It shows you the results in daily, weekly or on a monthly basis. It produces the report in the form of sheets and graphs. It is a simple budgeting to use.

Visit iTunes App Store for Smart Budget

Spendings:

Spendings: A lightweight app

This is also the amazing application which shows you the report on a weekly budget. It is as simple as opening an account and maintaining it. It tracks all the money you got and the money you spend. It provides you the detailed information about the Spendings on the purchased items. It also has the option of currency converter from dollars to pounds which makes you easy to understand and handle the budget. You can set and manage 10 various budgets at one time.

Visit iTunes App Store for Spendings

Payday Loan Calculator:

Payday Loan Calculator: Instant Cash

This is a free application for the iPhone as well as Android users. This Payday loan calculator instantly calculates all your loan premiums. All you need to do is to enter the amount and the term of the deposit with the interest fee of payday loans then this calculator will evaluate your amount display you the accurate results. It will calculate your total amounts and can also track your loan premiums which you have to pay. Calculate repayment instantly. Apply for a payday loan anywhere in the UK.

Visit iTunes App Store for Payday Loan Calculator

Pageonce:

Pageonce: Money & Bills

This is also the superb application which not tracks your budget but also tracks your bills. You can also pay your bills and loans with the help of Pageonce. You will get the detailed report of what has been paid and what is due. For this you can also set reminders. This app is smarter than the other finance apps as it is simple and can be understandable. It also tracks your daily, weekly and monthly expenses and send you the reports with details of expenses.

Visit iTunes App Store for Pageonce
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Selling Liquor in a Gandhian State is an Anomaly

Gandhi, the father of our nation, was strongly against the selling and drinking of liquors. He used to say, it is criminal to spend the income from the sale of intoxicants on the education of the nation’s children or other public services. The government must overcome the temptation of using such revenue for nation-building purposes.

India has come a long way ahead of the state of 1930s or 40s. The poverty level and situation have changed. In 30s, people in the state of unemployment and poverty used to spend their spare time in drinking, even if they had no money. The result was families destroyed due to head of the family being indulged in drinking habit. Violence caused by drinking problem was a common thing at that time. That’s why; Mr. Gandhi had to address the nation about drinking practice.

As Gandhi should be our ideal and our nation should reflect to follow his principles. After independence India should had to abolish the selling of liquor. But no, India is still generating revenues from liquor. Now, the thing is whether drinking liquor is actually bad habit or it was the situation which demands Mr. Gandhi to be against liquor.

According to the NIAAA – National Institute on Alcohol Abuse and Alcoholism, it concluded, after much scientific reviews that moderate drinkers do have lowest death rate compare to heavy drinkers and some fellows who don’t drink. In another word, if you take liquor as a drug and take in a controlled fashion; it is good for your health and longevity. So, being strictly against the liquor or drinking habit is quick or biased judgement. Excess of anything is not good. So is the case with liquor too.

Human beings have a general tendency or affinity for intoxication. The form may be different but everyone loves to do it. When someone gets bored of their hard social life, they turn to things which can let them forget everything for some time. Either it is in the form of drinking, gaming, chatting, swimming or playing badminton after work. The motto is only one, to forget everything for some moment. It just depends on them which form attracts them. But, in the present world everyone is trying to get refreshed by one of such forms.

One may say that there are people who turn violent after drinking. But, overdose of every drugs have side-effects. Even overdose of sleeping pills. But then again, to avoid such cases there should be strict guidelines for over drinking. Also, a lot of accidents occur every year due to an alcoholic driver. Nevertheless, still it’s a case of over drinking.

Therefore, stopping the sale of liquor is not a solution. It is true that we live in a Gandhian state. But, it does not mean we should stop applying things which were true in his period. Selling liquor in a Gandhian state is not an anomaly at all.

Hang the Rapist: Why the Rapist Should not be Hanged?

Hang the rapist“Hang the Rapist”. We are hearing the growing demand for amendment in the law which would enable death penalty to the rapists. All over India protests and demonstrations are going on to change the law with the provision to hang the rapist.

Delhi-NCR region was always considered the worst place in India for women safety. Recently, a gang rape took place in New Delhi on 16th December. The nature and circumstance of the case took the whole country in surprise and shock. A brutal gang rape took place in a bus moving around Delhi in the early hours of night. The girl and her male friend was severely beaten by rod. After a fight for life for 15 days, the girl died. Her injury by the rod became fatal.

Why people are demanding to hang the rapist?

The demand to amend the law for strict action against rapists is not new. Several times earlier too the demands to ensure the safety of the women and strict action against the rapists has been raised. However, nothing special has been done by any government in this area. Instead to show fewer rape cases on records, police several time try to avoid registering a rape case.

Capital punishment

The capital punishment has been abolished in several countries. However, in India, capital punishment is still awarded to the convicts, but only in rarest of the rare. Further, the appeal to revert the decision could be taken up to the Honorable President. Recently, the sole alive captured convict of Mumbai attack had been hanged after refusal from the President for pardon.

In general, when the death penalty is awarded by the civic court, it is for some heinous crimes. However, military court may award this punishment for espionage or at the time of war. In some countries religious crimes also results in capital punishment.

Which is a bigger crime: rape or murder

It is a matter of debate whether murder is a bigger crime or rape. However, in Indian context the growing trend in rape crime has attracted the attention of general public for strict action. The cultural and social factors brings the crime in the class of heinous crime. During my research to write this article, I came across an article Ten Most Heinous Crimes of the Decade. Even though the article is written by California based weekly magazine referring local crime records. Most of the crimes were related to brutal rapes or murders.

A crime is a crime. What makes a crime more heinous is the brutality and motive. Rape is considered more heinous as the motive is fun and entertainment. Take the example of latest Delhi rape case, just to enjoy a few minutes or hours, the convicts ended the life of a woman. Just for fun they commit a crime which resulted in her death.

Don’t get raped

In order to curb the growing cases of rape, two ways which comes to the mind of general public. Either to educate the young ladies how not to get raped or to give such a treatment to the convicts that they would think twice before committing this crime.

The second way to give hard punishment to the rapist is beyond the control of general public. It is against law. General public could not take law in their own hands.

In the process, the first way looks very simple to them and one would find mother, aunties and elders giving the tips to the young girls how to be safe and not get raped. Precaution is a good thing. When we are using knife, we should take precaution in using it. When we are driving we should be cautious. This does not mean that we should fear while driving or using knife. But, ask a lady, they fear roaming in nights. They fear going to an unknown place alone. They even fear to travel in public transport when no ladies are around. The fear is to get raped.

The fear among the ladies is created by the over enthusiast public to prevent their close ones getting raped. The daily newspaper giving one or two news about rape incidents creates more fear among them. In few cases, some victims due to fear could not even fight back the rapists. Obviously, growing cases of rapes are evident that this method used by the public is not correct. As it is not stopping the rapist in any way.

Talk about it

Don't rape, earn it by love

If the public really want to reduce the rape cases, they need to educate the male (youth) not to rape. They should be educated about love and sex. They should understand that sex is about mutual understanding. Women are not just piece of meat to satisfy them. Women have feelings. Sex is earned by love not snatched by force. I can understand that this is not easy. If I am feeling uncomfortable to express myself on the topic. In real time it is not at all easy. But, it is important. It needs to be done. Instead of giving lectures to your daughters, talk to your son. Share with them the feeling of satisfaction after winning the heart of a lady. It is to be won but not by force. Not by force at all.

Hang the rapist

Instead of talking to the male (youth), public wants hard punishment. As any person fears most from his death. They think that death is the hardest punishment that could be awarded to a rapist. When a person is most angry with someone. They don’t think wisely. The first thing that comes to any tempered person is death penalty. Hence, when the public is angry with the growing rape cases. The first punishment that is coming to the mind of any person is to hang the rapist.

Is it justified to hang the rapist?

The only judgment the public knows it to beat the culprit till death. There are many cases where even thief caught red handed by the public was beaten to death. However, judgments are not to be done based on aggression and mood. It should be done wisely.

Trauma felt by the victim and her family

Rape is not a crime committed only in India or Asian countries. It is committed all over the world. Rape becomes a trauma for the whole life for the victim. However, in Asian or African region, honor of the family is associated with women. Rape victims could never forget the moment throughout her life. Her life destroys forever. She can never have a social life afterwards. If she is unmarried, no family would like to accept the victim as their daughter-in-law. Overall, the social condition in the region makes the rape victim to suffer both the trauma of the her experience and consequences of its reaction throughout the life. Each day they live a life like living in hell.

Capital punishment is the softest punishment

Death Penalty is the softest punishment for such a heinous crime. Even though everyone fears death. It is not the most cruel punishment of all. Think of this. The victim throughout her life suffers the deed of the rapist. Each day each moment they suffer the pain. But, what the rapist are getting in punishment. A suffering for just few minutes or even seconds. Is it enough? Do we want to give them such a soft punishment? Ask any victim, their soul wants more. They want the rapists to suffer the similar pain throughout his life that they are suffering. The rapist should be punished in such a way that they feel shame on themselves for committing such a crime.

What should be the punishment for the rapist

There are a lot of punishment that would keep the rapist alive. The punishment should be such that each day the rapist would pray to be dead. Like burn the rapist till such an extent that they would not die. The burned skin and muscles give the unbearable pain. Instead of hanging the rapist, death by stone pelting is also a very hard punishment. These looks good as punishment. But, we live in India not in any Arab nation. We are not cruel in punishment. Human right is a measure issue when we think of hard punishment. However, in the rape cases castration of the convict is an option. It would keep them alive and feel sorry for the crime they did. In my opinion Castration of the rapist with life long imprisonment is the best punishment for them. In India, life imprisonment for than 14 years is rare. But, not uncommon. The rapist should be given till alive imprisonment with castration. However, as India has signed a UN treaty which prohibit life time imprisonment without parole. The sentence could be give to 100 years, 125 years without parole.

Being in prison is not at all a simple punishment when the sentence is for life time. An imprisonment of 14 years gives the convict a hope that they would be free someday. They hope that there would be someone waiting for their return. But, if there is no hope for getting out. No one is waiting for you. The life in itself becomes meaningless. Life without a hope, without a motto, without freedom is not a life. It is hell. Plus don’t forget the condition of prison in our country. Convict will love to go to hell than to be in an Indian prison.

Some might say, why to waste the money of hard-working Indians to keep these rapist alive and feed them. First of all, it will not cost much. Secondly, it will set a live example for them who commit such crimes. And lastly, don’t think they will earn a work free healthy food, three times a day. Corruption is everywhere. Our corrupt system don’t let them have the healthy and hygienic food.

If you have any other suggestions for the punishment within the human right limit. Share with us.

Demand for Changing the Law and its Implication

The demand to hang the rapist is coming along with the demand to strengthen the law and its practice. Like fast track courts for the hearing. Quick response for the complains. More security for the girls. From the perspective of the society, all these are important and need to be implemented.

Real scenario

When we look to the ground reality, the number of FIRs for rapes cases are not the real figures. In many cases where the victim belongs to poor family or dalit family, the police try to avoid the complaint. Many a times they don’t even lodge the FIR. The figures that we see and the original figure is quiet different. In rural or remote areas, more than half of the rape cases are not reported to the police. Out of those which are reported, not for everyone an FIR is registered. One may understand that the whole data of rape cases in India is incomplete and unreal. May be the state who are registering the lowest number of rape cases are actually not registering very few rape cases in their records.

Abuse of law

For the empowerment of women there are Anti-Dowry Laws. These laws are very strict. However, these laws are abused which even supreme court has accepted. See this article: Anti-Dowry Laws being abused in India: Supreme Court.

The implementation of law should be strict. But, it should be kept in mind that these laws should not be abused for personal gains and rivalry.

Conclusion

Many countries has abolished the capital punishment. But, still they are able to keep the crime rate in check. The rapist are not criminal who earn a living committing crimes. They do it for fun and they are among us. They are mentally ill. They commit the rape just for fun. It could be controlled or even stopped by talking with our son, brothers and friends. I don’t like the idea to hang the rapist.

 

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Role of Coachings in IIT JEE selection

Indian Institute of technology (IIT) are the most prestigious institutes of India. It’s the dream of every science students to study at IIT. One may get admission at any IIT after clearing a test organised by the all the IITs. It’s called IIT JEE. As there are many students dreaming to study at IIT or be an IITian. The competition is very tough to clear. Almost 350,000 students each year appear in IIT JEE. Out of which nearly 10000 students are selected. We can find coaching institutes every where which helps students to clear IIT JEE. It is a fact that coaching institutes for IIT JEE are more than double in number of total students selected in IIT JEE. So, the question arises naturally. Are these coaching institutes play any role in the selection for IIT JEE?

Coaching institutes for IIT JEE can be found at almost every corner of street in every town of India. Size and strength of students vary at these places. But, all have same purpose to give students guidance for clearing IIT JEE. No doubt many fail to produce even a single IITian in lifetime. A large number of these institutes teach without proper procedure. There are very kind of institutes. Institutes operating with one teacher and one classroom to institutes with branches in every part of the country. Tuition fees in these institutes also vary from institutes to institutes and city to city. We can say it is a business. Apart from collecting taxes from these institutes, government play no role to monitor the benefits of the students. There are no regulations at all. Any one can teach or cheat students with the dream to be future IITian. Let us see the role of coaching institutes in IIT JEE preparation.

We will discuss here role of various types of coaching institutes for various types of students. We will not excluding the dullest students from our group of students. As they are no where around IIT JEE. They should not waste their time for IIT JEE.

1. Big Institutes

In this category, we will discuss about institute which are well-known in every part of India. These institutes have branches in various city. They send a lot of students to IIT each year. Some well-known names are FIITJEE, Brilliant Tutorials (BT), Bansal Classes, Vidya Mandir, Apex Academy, Narayana, Chaitanya, Career Point, Resonance and Akash. These are some of the well-known names. FIITJEE, BT and Bansal Classes stands in front this row. They are renowned institutes which have given the most students to IIT. So, how does they help students to clear IIT JEE. Does they give them a syrup or tonic to drink or eat. No, they don’t. Let’s discuss how they give such a great results year after year.

BT and Bansal are old very institutes. They started and develop the coaching system for IIT JEE. One more name come in the list, Agrawal Classes. These institute since 80′s are teaching for IIT JEE. They develop a study material on the basis of 10th syllabus which could help the student to grasp the concept needed in the IIT JEE exam. In the beginning there were not many names in the market. So, it was easy for them to get quality students and guide them. As the quality students are with them. They produced good results each year.

Currently, these institutes recruit best teachers to guide the students along with good study material. They organize tests and doubt clearance session regularly. Also, they give students bunch of questions to solve after every concept is discussed. Institute concentrate on more and more practice and doubt clearance. On an average, in these institutes students solve 3-4 times more questions than in regular studies. So, by constant practice and doubt clearance, students gain pace and accuracy. This helps them to clear IIT JEE. They don’t have to think a lot about preparation strategy and other tension. Institutes generally take care of every problem. The institute’s think tank keeps a keen eye on the process which help the student in selection. As the institute have money power. They spend it to test their methods and improve if needed to change. They have the best team of teachers. They generally get early signs of changes that could be possible in coming IIT JEE exam. Overall, their methods helps students to develop a bit. No doubt.

Lets see how in the present time these big institutes are for different IQ level students. For IIT JEE, lets see students with intelligence level as intelligent, average, below average and dullest. As we have said earlier we will not discuss about dullest students.

A. Intelligent Students:

These students are those who have the highest chance to be an IITian. In any class of 50, one may find 5-10 students from this category. They are born intelligent and many are laborious too. By proper guidance of these institutes. These people develop themselves to solve the toughest and trickiest questions with ease. They secure high ranks with the help of these institutes.

B. Average Students:

Students in this category are mainly those who are either laborious but not intelligent else intelligent but not laborious. Also, those who are a bit of both intelligent and laborious come in this sections. These students need encouragement and proper guidance to make it to IIT. These institutes give them lots of question to solve. By the practice, environment and luck many students of this group with lower ranks make their way to IIT. Yeah luck is also a factor for them to clear IIT JEE. Even slight mistake in the preparation could cost them an IIT seat.

C. Below Average Students:

This category of students too gets some benefit from these institutes. They are not IIT material. Also, not much good for low-level exams. But, these institutes with lots of practice to them, helps them to clear regional exams. That’s high achievement for them.

Remember, I’ve pointed out that in every aspect these institutes are beneficial for the students. Then, why not every students take admission in these institutes. The reason is simple. They are very much costly too. Yeah, these institutes have a very high fees. Not possible for every one to pay in a country like us. They have full AC class rooms. Their high paying teachers can’t teach in non-AC class rooms. Also, many students who study there are AC addicted. So, they have to keep up an AC environment. Even in some circumstance they give scholarship to poor students. That’s few and selected students. That can’t help everyone. So,lower middle class students who are the most in numbers go for other sort of low fees or local institutes .

2. Local Institutes

By local institute, I mean those institutes which are popular but just in few towns. Like Paradise Institute, Nutan Institute in Patna; Prerna Classes in Tatanagar; JSR Classes in Varanashi; Bakliwal Tutorials in Pune. Every city or town have many such institute which are popular locally. Some them who have big business and some have just. They generally don’t have a regular think tank team to develop strategy. Administration is just in hand of one or two people who are teachers too. Not all but some of them provided printed study material. But, they usually don’t organize weekly test. Daily question’s hand outs. Yeah some of them do. Teachers in these institutes are almost all good. But, due to lack of strategy. They don’t work out as a team.

Lets see how they give benefit to the students.

A. Intelligent Students:

They have the best chance to get in IIT. But, due to lack of strategy and practice. They don’t make it to top ranks in IIT JEE. If we look at the selection every year in IIT. In top 200 these institutes have very less share. Instead of the fact that they are much more in numbers. The reason is simple they lack to develop students. Those who gets selected are due to just guidance and intelligence. Some of them who get right teachers and are extra laborious with intelligence make it to top ranks. But, still all this combination can be replaced with a common word Luck. If the student is lucky they make it to top 100 or 200. Else generally, they fill higher ranks of IIT JEE.

B. Average Students:

Usually average students from these institutes fail to clear IIT JEE. They clear other exams. But, IIT looks far from their reach from such institute. Reason can be seen clearly. There is not a strong administration who have plans for everyone. Institute give no guidance to teacher to take care of everyone. Teachers too like to be more around the sharp brain. They give less extra time for clearing various doubts of these kind of students. With doubts in their mind these students fail to solve the tricky questions of IIT JEE. Many of them secure ranks in regional or other exams.

C. Below Average Students:

Students in this category hardly make any impact in competitive exams from these institutes. Some of the lucky ones gets selected in regional exams.

3. Subject based Tuition

This is the category in which comes subject specific teacher. Institute which teach only one subjects. Actually, these institutes are run by a single teacher. As one single can’t teach all the three subjects. Some even teach sub-subject specific . Mainly, we see them in Chemistry. Teachers who teach Organic avoid inorganic. Some time they just teach organic. Sometime they teach all, but focus only on one of the favorite.

This is the most clustered category of all. Most number of misguided students study in this category. There is no one who makes strategy for them. The teachers take care of just their subject. As there is no coördination between other subject’s teachers. It’s very hard to study inter-related concept. Especially, those portions of Chemistry and Physics which depends on Mathematics. Also, students face timing problem. They have to adjust the time schedule for all three subjects. Not just that, as the classes of each subject have different teacher. They have to run from one place to other for classes. This exhausts the students. Also, it kills valuable time. Sometimes, tiredness causes losing interest in study.

This method of coaching is no doubt beneficial if we consider money. But, else success only depends on luck. It is most widely faced problem. Not all three subjects teacher are liked by the students. For IIT JEE, all three part should be balanced. So, even though one finds best teacher for Math. There is no chance of success, if one can’t find good teacher for Physics and Chemistry too.

The quality of education system is most damaged by this category. Any one who wants to teach for IIT JEE can open institute and misguide others. It is true that the best teachers of India teach through this system. But, it is also true that the number of worst teacher is more than good ones. So, students gets exploited in this system most.

Lets see how this group affects students:

A. Intelligent Students:

All depends on luck. If luck helps and students gets tension free, good teachers in every subject, students can clear JEE. But, that’s the rarest case. Only few are lucky to get all three teachers good. If the student is most brilliant one then only nothing can stop him to get selected. Else miserable chance of selection. Yeah students get selected in various regional or other exams. But, IIT is far from them. Also, one more important point, there is very less hope to get good ranks in IIT JEE. There is no good practice for the students. Some teachers try to give more and more practice, rest is miserable.

B. Average students:

If luck is not with the student very little hope. Even if luck is with students that they get all three good teachers. Almost no hope for IIT JEE. Just a bit hope for regional level exams.

C. Below average students:

Very less chance for these students to get any thing from this system of coaching.

4. Institutes in Kota, Rajasthan

I have discussed about these institutes in detail in my last post. Click Here.

Remarks:

  • It should be you who should decide in which category of student you come.
  • All above is bullshit, if one is laborious and works hard. Laborious and hard-working student can change all the law. So, be laborious nothing will matter much.

I’m giving links to articles written by me on similar topics:

  1. Kota: Paradise for IIT JEE Aspirants
  2. How to Prepare for IIT JEE?
  3. Hopes Beyond IIT
  4. IIT JEE: What should be the strategy for repeaters?
  5. IIT JEE: What should be Strategy for Partial Droppers?

 

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