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Post Office Saving Schemes for Boy Child in India
Saving up for your little one's future is one of the smartest decisions you can make. Post office accounts are one of the oldest but safest ways to save money for your child. And the best time to start saving up for your son is now!
What Post Office Saving Scheme Options Are Available for a Boy Child?
There are a few postal schemes for boy child that you can invest in, and a few of them are the Ponmagan Podhuvaippu Nidhi, Post Office National Savings Certificate Scheme, Post Office Recurring Deposit, Post Office Monthly Saving Scheme, Kisan Vikas Patra, and the Public Provident fund. Most of these schemes can be opened with a minimum amount of Rs. 500, and come with a standard rate of interest that changes annually according to the ongoing market. The best part opening a Post Office Savings Scheme account is that post office is usually located in almost every locality. In addition to this, with the entire system going digital, post offices are following suit as well, so you can keep a tab on the transactions from the confines of your home.
Details of Ponmagan Podhuvaippu Nidhi Scheme
Our post office has several schemes for the girl child, but the same cannot be said for boys. However, recently, the Tamil Nadu Government came up with an example for post office schemes for baby boy of our country. This scheme is called the Ponmagan Podhuvaippu Nidhi. The ponmagan scheme for your boy child can be opened anytime before your child is ten years old. The minimum amount required for opening this account is Rs. 500, and the maximum amount is Rs. 1.5 Lakhs. As a depositor, you can deposit money into this account only twelve times in a year. As far as the rate of interest is concerned, it stands at 9.70%. However, this changes annually in accordance to the various government policies and market conditions. According to the income tax act (section 80C), you can claim tax benefits and deductions of up to a limit of Rs. 1.5 lakhs in a year. In addition to this, any interest that was earned on this investment can also be claimed under the same act. This scheme also allows the parent, who is the depositor, to pledge the scheme for the application of a loan. However, the parent will be allowed to do so only after a four years post the opening date of this account.
Does this Scheme Application to All Over India?
No, this scheme is applicable only in the state of Tamil Nadu.
Post Office Saving Schemes That Allow Investment in The Name of Minor Male Child?
As mentioned above, there are several schemes for baby girls, but there are limited options under the post office boy child plan. However, there are a few standard saving schemes that you can open in the name of a minor male child, and they include the following -
1. Post Office National Savings Certificate
The Post Office National Savings Certificate scheme was introduced in the 1950’s, with the intention of raising money for the development of the citizens of our country. The shift from a fund generating investment scheme that it was in the 1950’s to a savings scheme was a recent development. You can open this account if you plan on saving money for your child who is below the age of 18 years, in the name of your child or you, as a parent, or a legal guardian.
2. Post Office Recurring Deposit
Just like other banks, the India Post Office offers a recurring deposit account as well. This recurring deposit account includes a five-year scheme where the account holder or depositor is required to deposit a specific amount of money on a monthly basis. Interest will be warned accordingly.
3. Post Office Monthly Saving Scheme
This scheme is considered to be one of the safest schemes in the country, as the returns and investments fall under the radar of the government and are organized accordingly. The Post Office Monthly scheme involves a monthly payment that has to be made, based on which the investor will receive an amount on every investment that is made. You can open this account for your boy child, but it will also be required that you open a joint Monthly Income Scheme account which is clubbed with yours as well.
4.Kisan Vikas Patra
This scheme goes way back to 1988 when it was first introduced. Common among the lower and middle-income families of our country, this scheme was discontinued for a brief period in the year 2011 but was back again thanks to popular demand of the same. The Kisan Vikas Patra is a savings scheme for those who plan on depositing large amounts on a yearly basis thereby acquiring interest at a rate that is predetermined. A government investment plan, the Kisan Vikas Patra can be opened by the legal guardian or parent, on behalf of the minor male child.
5. Public Provident fund
A Public Provident Fund is a tax saving investment scheme that was first introduced in the year 1968. As an investor, you can retain this scheme and invest in this fund for a period of 15 years. One of the benefits of this scheme is that you can claim the many income tax benefits that fall under this scheme. The parent or legal guardian can open a public provident fund for the minor male child.
People save money for their children for various reasons like marriage, health, education, or career - whatever be the reason, saving money for your child has numerous benefits and will come in handy should the need for money arise. Go ahead and see which of the above schemes works best for you, and start saving right away.
Also Read:
Government Schemes for Girl Child in India
Government Schemes for School Education That Parents Should Know About
Best Investment Options for Girl Child in India Read more
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Taking Cough Syrup to Get Pregnant - Does it Really Help?
Trying to conceive can be challenging for many couples as fertility problems are on the rise at present. There are a lot of women who have noticed that taking a specific kind of cough syrup around the time of ovulation can help them conceive. Although there is not enough documented scientific proof of this, several doctors do agree that taking cough syrup containing guaifenesin may help women get pregnant.
Does Cough Syrup Increase Your Fertility
If you are wondering, can cough syrup help you get pregnant, the answer is yes - in certain instances. Some cough syrups contain guaifenesin which comes from the bark of the guaiacum tree found in the Caribbean. Guaifenesin is an ‘expectorant’. This means that it thins out the mucus in the lungs and airways so that we may bring up the phlegm and spit it out when we have a respiratory infection or a cough.
Guaifenesin also affects cervical mucus in women and makes it thinner and wetter. This enables sperms to swim faster through the cervical mucus to reach the egg and fertilize it. This was noticed by women in the 1980s, and a study was conducted by a doctor named Jerome Check with a sample group of 40 couples who were trying to conceive. Dr Check discovered that 23 of those women had thinner cervical mucus after taking 200 mg of guaifenesin thrice a day. Out of these couples, 15 were able to conceive during this test.
Thus, it was found that taking cough syrup containing guaifenesin helps increase the fertility of women by thinning the cervical mucus.
How to Know if Your Cervical Mucus is Dry or Wet
In order to determine whether your cervical mucus is dry or wet, you will need to undergo post-coital fertility tests. A doctor will examine samples of your cervical mucus after you have had sexual intercourse with your partner. Thick or dry cervical mucus makes it tougher for sperm to swim through and reach the egg for fertilization. When the cervical mucus is thin and wet, sperm can swim quickly through it and successfully fertilize the egg.
What cough syrup helps you get pregnant? If you are having problems trying to conceive and your doctor has found that your cervical mucus is thick and dry, taking guaifenesin cough syrup can help you become pregnant. The guaifenesin thins out cervical mucus, making it easy for sperms to get through it and reach the egg faster.
When to Take Cough Syrup While You’re Trying to Get Pregnant
Cough syrup with guaifenesin should be taken around the time of ovulation if you are trying to become pregnant and want your cervical mucus to be thinner. By monitoring your basal body temperature and using an ovulation test kit available in pharmacies, you can determine the exact time of ovulation. Once you know when you are ovulating, you can take the cough syrup around that time to help increase your fertility.
How Much Cough Syrup is Recommended
Although you may feel like taking more cough syrup, it is harmful to exceed the recommended dosage of medication. It is best to take two teaspoons of guaifenesin cough syrup thrice a day around the time of ovulation in order to increase your chances of getting pregnant.
Are There Any Other Ways to Improve the Consistency and Texture of Cervical Mucus
Although using cough syrup to get pregnant has gained popularity, there is no proper scientific study that proves this definitively. There are other ways to alter the consistency of cervical mucus to make it easier for sperm to get through the birth canal and reach the egg for fertilization. Your doctor can recommend lubricants specifically made for couples who are trying to conceive. These lubricants will not kill the sperm or reduce their motility and may increase your chances of getting pregnant.
Apart from the single study by a doctor in 1982, there has been no further scientific research on whether guaifenesin cough syrup can actually increase your chances of getting pregnant. There is only anecdotal proof that cough syrup can help couples get pregnant. Talk to an obstetrician before taking any medication while trying to conceive.
If you are taking cough syrup, you should ensure that it does not contain antihistamines, which will actually dry your cervical mucus and make it tougher for you to conceive. Avoid exceeding the recommended dosage of cough syrup. Avoid medication without consulting a doctor. Talk to an obstetrician first if you have been trying to get pregnant unsuccessfully for over 10 months.
Also Read: How to Get Pregnant by Keeping Pillow Under Hips Read more
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7 Best Hairstyles To Go With Different Saree Styles
The kind of hair style you pick to go with your saree can either add to, or kill your look! Saree – check. Blouse – check. Petticoat – check. Jewellery – check. Make-up – check. Footwear – check. Everything seems to be in place... until you look at yourself in the mirror, and your eyes drift to your hair.
The saree is one garment that looks good on every Indian woman – irrespective of her body-type, her height, her weight, her features, or anything else! However, the kind of hair style you pick to go with your saree can either add to, or kill your look. What oh what are you going to do with these unruly tresses on top of your head that seem to be determined on ruining your look every single time!
Watch this Simple Tutorial That Works So Well As A Hairstyle On Sarees and Other Traditional Wear
https://www.youtube.com/watch?v=Vg8zccwUCcM
7 Best Hairstyles For Sarees Of Every Kind
Here are some of the most gorgeous hairstyles that will help you rock any and every kind of saree in your wardrobe.
1. Classic Hair Bun With Flowers
[caption id="" align="aligncenter" width="334"] Source: https://beautyhealthtips.in/[/caption]
Saree Type: Traditional Sarees (with golden border and embroidery)
Almost no one can go wrong with this classic old hairstyle. The best part about this hairstyle is – it can suit any length of hair. Even if you have short hair, you can easily add extensions and bun them up. The flowers will add a very ethnic look, reminiscent of mythological tales. Of course, you can ditch them and go for a golden or black shimmer net instead.
2. Messy/Loose Hair Bun With Flowers
[caption id="" align="aligncenter" width="334"] Source: http://careforhair.co.uk/[/caption]
Saree Type: Chiffon or Georgette Sarees with single pallu
We all know of the bun-with-flowers as one of the most popular traditional hairstyles for saree. This is a modernised version of the classic bun, looks elegant and is very easy to do too! Best part? - it works even on bad hair days. If your hair is too silky, remember to use a little bit of hairspray. If your hair is wavy or curly, this will soon become your go-to hairstyle whenever you want to step out in a saree! Make sure to let a couple of tresses loose on the opposite side of your face to balance the look.
3. Loose Side Bun
[caption id="" align="aligncenter" width="334"] Source: https://www.glamsham.com/[/caption]
Saree Type: Cotton Sarees
Another version of the classic hair bun, this Indian hairstyle for saree looks simple, elegant... timeless. Just like cotton sarees are, and will always be. While flowers look great with this look, you can jazz it up by wearing big statement earrings that will stand out against the background of your bun.
4. Classic Loose Plait
[caption id="" align="aligncenter" width="383"] Source: http://stylesatlife.com/articles/vidya-balan-in-saree/[/caption]
Saree Type: Simple Monochrome/Printed Silk Sarees
This is one of the most elegant hairstyles for women in sarees, especially if you have long straight hair. Straight hair can be a pain sometimes as it is hard to wield and turn them into a hairstyle. However, a loose plait can allow you to hold them in place without looking plain/boring.
5. Side Fish Braid
[caption id="" align="aligncenter" width="334"] Source: Cinespot[/caption]
Saree Type: Chiffon or Georgette Sarees with pleated pallu
The fish braid looks too simple and plain on a saree. But if you work the same fish braid towards one side of your face, it can dramatically change your look! As with any one-side hairstyles for saree, remember to balance the look by leaving a few strands of hair loose on the opposite side of the braid. Also make sure you create some volume on the top of your head – don't let it fall flat.
6. High Ponytail
[caption id="" align="aligncenter" width="334"] Source: Pinterest[/caption]
Saree Type: Monochrome/Geometric Prints/Polka Dot Sarees
A clean, well-done ponytail can double up as an elegant yet simple hairstyle for sarees. Ponytails look great on designer sarees with asymmetric or geometric prints. You can use a small hair puff to add some volume on the top of your head and prevent the ponytail from looking too sleek on your face. You can leave your hair to fall naturally or can lightly perm them to fall in thick light curls.
7. Open Hair – Swept on One Side / With Small Hair Puff
[caption id="" align="aligncenter" width="334"] Source: Varinder Chawla[/caption]
Saree Type: Any Saree
Finally, if you can't think of anything, simply leave your hair open with a centre parting, or a side-parting. You may use a little bit of hairspray to sweep your hair onto one side. If not, you may use a small hair puff and add volume. This is one of the best saree hairstyles ever because it looks good on almost any and every kind of saree. Just remember to wash your hair on the day of the occasion! Read more
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How to Shoo Fruit Flies Away From Your Kitchen!
Fruit flies invade your kitchen, attack your fruits and vegetables, and lay their eggs wherever they can find a nesting place. They're pesky little creatures that come uninvited and overshoot their stay, leaving you always wondering how to prevent fruit flies from making your home theirs.
Overripe fruits and vegetables are an open invitation for fruit flies to make themselves at home. No matter how much you try to chase them away, they just refuse to go. Maturing from egg to adult in just over a week, it’s no wonder one can never seem to get rid of them. Luckily, there are a number of effective ways to prevent, fight and ultimately rid your kitchen of these unwanted pests.
How to Get Rid of Fruit Flies in the Kitchen Naturally
1. Seal all inlets
Prevention is better than cure, the saying goes, and this applies to pests as well. When you learn how to prevent fruit flies, you won’t be left with the task of getting rid of them in the first place. These little critters fly in through doors and windows that are left open. Ensure entry points are properly sealed with screens and that your doors are closed shut at all times.
2. Cover all fruits and vegetables
Here’s what to do for fruit flies when they attack your fruits and vegetables–keep them covered. This will also keep other pests and dirt from contaminating them. Mesh coverings are the best for fruits and veggies although placing them in glass bowls and covering them with a lid works just as well.
3. Use garbage bins with lids
The odour of overripe fruit and vegetable peels in your garbage bin are going to bring those fruit flies swarming in. You need to keep a lid on trash cans at all times and dispose garbage regularly. Among other things, wash the bins regularly to get rid of any eggs laid inside.
4. Try a natural vinegar solution
These pests are naturally drawn to the scent of vinegar so you can beat them by setting vinegar traps for fruit flies. Take a bowl and fill it with a little vinegar and some water. Cover it securely with foil or a plastic wrap and poke some holes into it, large enough for the flies to enter and keep them trapped inside. Once inside the bowl, they shouldn’t be able to get out and will eventually drown.
When preventing them from infiltrating your kitchen doesn’t work, setting a trap for fruit flies in the house is your next best solution. If you don’t want to waste your vinegar or red wine, sugary bait works just as well or even better. The next time you have a decaying fruit sitting in your fridge waiting to be tossed in the bin, use it to make a fruit fly trap instead. You can add a little juice or soda as an added incentive and successfully learn how to kill fruit flies in the kitchen. Read more
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8 Unexpected (But Much Needed) Things to Gift Your Loved Ones This Year
The season of giving and sharing (with love, of course) is here. Christmas and New Year are about spreading joy; and one of the ways to bring a smile on the faces of your loved ones is by giving them gifts. Gifts, whether small or big, can make us happy. However, buying gifts for people is not that easy. Gifting is an art, and the thought and effort that goes into purchasing a gift is what makes it special. Apart from the done-and-dusted gift ideas that you’re sure to have come across, if you are looking for some unique gift ideas for your dear ones, you can stop your search right here, because we have a few fun gift suggestions for you!
8 Unique Gift Ideas for This Festive Season
Here are some unique gifts that you can buy for your friends and relatives this Christmas or New Year.
1. Plants
Plants may seem like unusual gifts, but believe us, they aren’t!. In fact, gifting plants is trending right now! If you have friends and relatives who have a green thumb, get them potted plants; they will thank you for the thoughtful gifts that the plants make for. There’s something special about plants – they are like pets; we fall in love with them, take care of them, and watch them grow. Furthermore, plants are gifts that nobody outgrows. Gift a plant; it’s going to be a keeper! Since it’s Christmas, you should consider gifting the season’s favourite plants, like the Poinsettia or the Christmas cactus. You can also gift plants like bamboo, bonsai, orchids, or even herbs.
2. Gift Cards/Membership Cards
No matter how close you are to your friends and relatives, it’s hard to remember their likes and dislikes, isn’t it? And honestly, the thought of buying gifts for people you don’t know well (or barely know) can confuse you. You enter a shop, look at various options, and come out of the shop without buying anything. If you have been through this, then we suggest you consider gifting membership cards or gift cards. For instance, if you have a friend who is health conscious, you can gift him a gym membership card. For those who show interest in reading, gift them a library membership card this Christmas. Today, gift cards are available in every space, be it fashion, food and beverages, or digital products; so gift your friends and relatives an opportunity to buy what they would like. Gifting membership cards and gifts cards will save yourself from the indecision of ‘to buy or not to buy’.
3. Subscription to Different Channels
Do you have friends and relatives who are movie buffs or can watch two to three seasons of a television series in one sitting? If yes, then this gift idea is just for them - cheer them up by giving them the ‘gift of entertainment’. You can get them a yearly subscription of different entertainment service providers, like Netflix, and see the joy on their faces! This is one of the best Christmas gifts you can give to entertainment lovers, wouldn’t you agree?
4. Books or E-readers
The quote, “That's the thing about books. They let you travel without moving your feet”, mentioned by ‘Jhumpa Lahiri’, in her book ‘The Namesake’, rightfully conveys the thoughts of true readers, who, by merely reading a book, go places & travel the world. If you have friends and relatives who are avid readers, nothing would make them happier than receiving a book by their favourite author. So, this Christmas, make them happy by gifting them their favourite novels or magazines. Sneakily, find out which books they’d like to read and buy it for them. Alternatively, you can also gift them e-readers and let them decide for themselves what they want to read. E-readers also make for a great gift for people who travel a lot but would like to get rid of the burden of carrying too many books with them!
5. Cable Keeps
This gift is suitable for your friends who love keeping their things all neat and organised. We all struggle with uncoiling those tangled cords of USB cables, laptop chargers, and earphones, don’t we? And if we are not wrong, your friends and relatives must be dealing with the same problem, too. So how about buying cable protectors for them? Gifting cable keeps may seem like a weird idea, but it isn’t! Cable keeps make for an extremely thoughtful and USEFUL gift. You can buy them online or get it from an electronic shop. Your organised friends will love this gift because it’s going to help sort out the trouble of tangles that they see every day!
6. Made-to-fit for Fitness Lovers
So you know that your friend is a fitness freak, but do you know about his fitness routine? Does he go to a gym, yoga class, or Zumba class? Or does he go running in a park? That you have no clue of, do you, now? Try to find out because you can buy a gift that can contribute to his fitness program.
Sneakily, find out what your fitness-enthusiast friend is into and buy a gift accordingly. You can gift dumbbells, a yoga mat, resistance bands, skipping ropes, exercise balls, fitness bands, etc. Apart from these, you can also give him inspirational gifts that will keep him going, like a water bottle, a fitness motivation poster, a gym bag, yoga pants, sports shoes, or wireless headphones, some of which can be personalised as well. The options are endless – so take your pick and secretly help him achieve his fitness goals.
7. Gourmet Items
We all have one fancy friend who indulges in exotic things; he has a separate custom-made cup for coffee, he drinks only an imported brand of coffee, wears only particular brands of apparel, and so on. What do you gift him? You always get confused when you have to buy something for this friend, right? Perhaps, gourmet items that can match his standards and meet his approval?
So, this Christmas, gift your fancy friend his heart’s desire. A gift basket of cookies, a wine set (containing a bottle of wine, wine holder, wine opener, glasses, etc.), a basket of dried fruits and nuts, or a hamper full of gorgeous self-care products. So, go ahead and get these products for your friend, and show him that you have great taste too - especially when it comes to gifting!
8. Novelty Gifts
Novelty gifts can include anything to everything because they are all about spoiling your friends. You can gift personalised serving or chopping boards (yes, if your friends love to cook a lot), wine glasses, personalised diaries, stockings - a whole lot of stuff. You can also gift candles to your friends because, well, Christmas is incomplete without candles, right? This holiday season, let the cheerful spirit of Christmas reflect in your gifts too. Add a touch of novelty to these and see happy faces all around.
So, these were some of the uncommon gifts that you can shop for this season for your friends and relatives. Now that you have your options, what’s the wait for? Grab your wallet and head out to the nearest mall. These unique gift ideas for Christmas will surely make your shopping experience easier and your friends and relatives happier.
Also Read
Home Decoration Tips for This Christmas
Perfect Christmas Gifts for New Moms
Best Playlist for Christmas That Will Make Your Mood Read more
Rashmi has added a new answer
Expecting Mom due in 7 months
7 hours ago
Q. hello doctor, I'm 3 weeks pregnant. can we sleep on our belly or which side We can sleep on during pregnancy...
Rashmi
Mom of a 9 yr 7 m old girl
7 hours ago
A. Belly sleeping is complete no no rest you can sleep on whatever side you are comfortable with left or right or on your bag you have three posture to sleep in and that is what you just have to stick to there is no sleeping on the stomach
Dr Laxmi Chavan-Sawant has added a new answer
Trying To Conceive
4 hours ago
Q. @ask_the_expert
#ask the expert
I am having pcod problem.
when should I check pregnancy test at home?
Dr Laxmi Chavan-Sawant
Ayurvedic Gynaecologist
3 hours ago
A. If you have missed your periods you can wait for one week more and then do a urine pregnancy test to know about the pregnancy result and consult with your doctor according to the result for medication
Dr Priyanka Kalra has added a new answer
Trying To Conceive
4 hours ago
Q. I am having pcod problem.
At which day should I take pregnancy test
Dr Priyanka Kalra
Obstetrician and Gynaecologist
2 hours ago
A. after 2 weeks. do ultrasound n necessary tests after consulting a specialist. without proper check up we can't advise or help you.. Avoid shirt cuts when it comes to health if mother n baby. ok.
Dr Laxmi Chavan-Sawant has added a new answer
Trying To Conceive
4 hours ago
Q. I am having pcod problem.
when should I take pregnancy test?
Dr Laxmi Chavan-Sawant
Ayurvedic Gynaecologist
2 hours ago
A. after missed your periods you can wait for one week more ,then you can do a urine pregnancy test to know about the pregnancy result and consult with your doctor according to the result for medication
Dr Laxmi Chavan-Sawant has added a new answer
Trying To Conceive
4 hours ago
Q. I am having pcod problem.
but having regular cycles below 35 days. some time it will extended upto 40 days.
so when should I take pregnancy test at home?
Dr Laxmi Chavan-Sawant
Ayurvedic Gynaecologist
3 hours ago
A. If you have missed your periods you can wait for one week more or else you can do a urine pregnancy test to know about the pregnancy result and consult with your doctor according to the result for medication.
The best treatment to have Regular periods is by having a healthy lifestyle with regular daily walking or jogging along with mild exercise and meditation whenever possible. as medications will only act till you are taking them
Dr Ghouse has added a new answer
Expecting Mom due this month
1 hour ago
Q. Done my first routine blood test ..it shows thyroid border line.its my 6 week running as per USG.
but prior to that my thyroid level was always normal I did check up every year and got it normal .this time it shows borderline high in 6 week pregnancy.
is it something to worry.plz guide
Read moreDr Ghouse
Paediatrician
24 mins ago
A. it is better to follow your doctors advice for treating the thyroid deficiency. if there is no relief it is better you see your doctor for proper examination particularly physical examination if there is need for doing investigations to find out the problem and treatment ok
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