Everyone wants to be rich. But, how many of them actually make efforts to get rich?
And just by earning a lot of money, you'll not get rich. You'll also have to invest this income in the right instruments at the right time so that you are able to maximise your wealth while ensuring that you have adequate liquidity at all points of time.
And to ensure this – it is highly advisable that everyone has a financial plan. And to create a financial plan – you need not always go to a financial planner.
There are some simple time proven tips if implemented properly will lead to wealth maximisation. Some of these tips are mentioned below in this article.
Most people do this the other way round. They 1st spend their income and the balance left after spending gets invested.
But this is not how it should be. This basically means that you are investing that amount of money which you were not able to spend.
If you intent to build wealth, then it should be the other way round. You should first take out some chunk of money for investment purpose and the balance should be spent.
This will not only ensure that proper allocation is being done but also ensure that you are not overspending.
Most people are taught that they should save some money but very few are taught that this money should also be invested in instruments which will help create wealth.
Money kept idle in bank accounts will only yield returns which will help you beat inflation. But, if your intent is to create wealth, then this money should be invested in sources which yield a much higher return in the long run.
As the name suggests, an emergency can happen at any time. This could be loss of job or loss in business or loss in any other recurring source of income.
And for such circumstances, there should always be an emergency fund from where funds can be withdrawn for any unforeseen event and emergencies.
A lot of people know and understand the importance of life insurance but very few people have adequate life insurance cover. Your life insurance term plan should be atleast 10 times of your annual income.
And in case you have just started your career, then this cover should be towards even higher end as at the start of your career – your salary is lower but increments are faster and higher as compared to somebody who has good no. of years of experience.
That day comes in everyone's life when the person does not have any income but only has expenses. People wish it was the other way round wherein there are only incomes and not expenses but sadly that is not the case.
When a person retires, his monthly flow of income stops but he still has to keep incurring household expenses.
And therefore it is advisable for everyone to opt for a pension plan which will keep giving the retired person some income even after retirement which will help him meet his expenses.
Apart from pension plans, a person should also have sufficient corpus in liquid assets which will help him incur expenses post retirement.
There is an old saying – There is no free lunch in this world. And this holds true when you spend via credit cards as well.
When you spend through your credit card, you have to pay at the end of the billing cycle which usually is a month. Moreover, you get a lot of discounts as well as points. The credit card company gives you so many benefits and encourages you to spend through credit card.
But these credit card companies are not doing any charity. But then, did you ever wonder why they are offering so many benefits.
A credit card company basically makes money by charging you a hefty interest rate on the late payments. So, they basically encourage you to spend via credit cards and by offering so many deals – some people end up overspending and are unable to repay their dues on time.
And in such cases, credit card companies levy a hefty penalty which in most cases is even more than 36% p.a. And this is how they make money.
There is no harm in using credit cards. But, not repaying the credit card company on time is one of the worst mistakes which people do and they end up paying hefty interest.
Therefore, it is highly advisable that the credit card bills are paid on time as the interest charged by the credit companies is extremely high.


Judi Dench and Tom Wilkinson lead the cast of this comedic drama about a group of British senior citizens who head to India for their retirement years.
For a desparate group of English pensioners, retirement takes an unconventional turn when they abandon their homeland, enticed by advertisements for The Best Exotic Marigold Hotel, a seemingly luxurious sanctuary for "the elderly and beautiful" in Jaipur, India. On arrival, they discover that the hotel falls somewhat short of the romantic idyll promised in the brochure, but they are gradually won over by the ever-optimistic young manager Sonny, and tentatively embark on a new adventure, finding that life can begin again when you let go of the past.


The Commissioners Steps Wharf is located on the eastern Botanic Gardens side of the Sydney Opera House on the walkway between the Overseas Passenger Terminal and the Circular Quay, and is surrounded by numerous waterside cafes and museums. Closely situated to the historical Rocks area and CBD, the wharf is also an exceptionally convenient spot for corporate groups or friends to catch a boat to one of the many world-famous waterside restaurants and venues on Sydney Harbour. The wharf is also located just south of the Overseas Passenger Terminal, which is the only major passenger terminal east of the Sydney Harbour Bridge, and primarily deals with cruise ships and oceans liners. As such, if you're visiting Sydney as part of a cruise, this will likely be where you disembark, and the Commissioners Steps Wharf is perfectly placed to allow visiting cruise passengers to explore the rest of the city from a smaller vessel. Note, however, that the wharf is not suitable for very small boats due to the amount of wash.
The Commissioners Steps Wharf is situated just north of Circular Quay, an area which is currently a popular neighbourhood for tourism, consisting of walkways, pedestrian malls, parks and restaurants. Its history, however, stretches back hundreds of years, with Sydney Cove, on which the quay is located, the site of the initial landing of the First Fleet in Port Jackson on 26 January 1788. The wharf is also located in an area just a hop, skip and a jump from the historic Rocks area, which borders on the Bradfield Highway, leading to the Sydney Harbour Bridge. Known as Tallawoladah by the Cadigal people, The Rocks is an urban development known that derives its name from the traditional buildings built by the first settlers, which were built first from wattle and daub, but eventually from sandstone. The area, which was initially regarded as a slum, has blossomed over the ensuing decades into a major tourist area, with all the souvenir, craft shops and historic pubs and restaurants that entails.
The Museum of Contemporary Art sits right behind the wharf and The Rocks Discovery Museum is also only a short walk away, so if you're in the mood for an educational afternoon, this is the perfect wharf for a drop-off. The Museum of Contemporary Art, which is often abbreviated to simply the MCA), houses some of the most thought-provoking contemporary arts from Australia and the rest of the world. The art-deco styled building, which was once a maritime service board building, was converted into a museum in 1991 and underwent a significant expansion in 2010. Today it stands as a Sydney landmark and contains over 4,000 works by Australian artists, including works by Aboriginal artists.
Housed in a genuine, restored 1850s sandstone warehouse, The Rocks Discovery Museum tells the tale of the historical Rocks, which spans over hundreds of years. The museum holds a unique collection of archaeological artefacts found within the Rocks and also features a number of interactive elements to really bring the history of the area alive for young and old history buffs alike. You'll learn about the original landowners of the area, the English colony and the union-led protests in the 1970s that helped preserve this iconic area of Sydney for generations to come.
Located on the top floor of the Overseas Passengers Terminal is the world-renowned Yuki Japanese restaurant, which also offers some truly exceptional views of the Sydney Opera House. The terminal also plays host to the charming Quay restaurant, which has been featured as one of the world's 50 best restaurants since 2009 and has won several top awards for its cuisine and its atmosphere. The Cruise Bar, also located in the terminal, is also a great place to meet and share a drink and serves creative meat and seafood dishes in a relaxed atmosphere with some of the best harbour views in the city. If you've spent the afternoon at the museums and fancy a snack and a drink before boarding your charter, the MCA Café & Sculpture terrace is also famous for its spectacular views and calming location. It looks out over the Circular Quay and the small, but perfectly formed First Fleet Park, which could also be the perfect location for a family picnic.


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Brian Wilson's Brilliance and Pain Explored in 'Love & Mercy': Movie Review
If you're a Brian Wilson fan, it's tough to be objective about Bill Pohlad's Love & Mercy, a biopic that reverently jockeys between the Beach Boys mastermind's unraveling and redemption, but shows little in between.
Deftly alternating between the mid-'60s and mid-'80s, with brilliant portrayals by Paul Dano and John Cusack as Wilson, the duality allows each actor to play to his strengths: Dano masters a youthful exuberance and silent pain; Cusack shows the reserve, mannerisms and whisper of longtime suffering.
"I think the conceit of it is that there's no one definitive portrait of anybody," Cusack said in a Q&A session following a screening at Chicago's Music Box Theatre, where he was joined by Brian Wilson. "You don't try to do the whole story. This is just part of his whole life, but it captures the spirit."
The messiest, bedridden years of drug abuse and weight gain are left to the imagination, good news to fans who will instead happily celebrate both on-screen depictions of the beloved legend. It was Brian Wilson himself who brought the topic to the forefront, in fact, when asked what advice he'd give his younger self or young artists today. "It would be a smart move not to take heavy drugs," Wilson said.
But first Dano gives us the young genius, whose mental illness closes in at his creative apex. As his anxiety grows, he insists on working in the studio instead of touring with the Beach Boys. "I can take us further" at home, he pleads, suggesting his new ideas can help the band best their perceived competition, the Beatles.
Calling him the "Mozart of rock n' roll," Cusack noted the difference between the two groups. "With the Beatles there was George Martin and these two songwriters named [John] Lennon and [Paul] McCartney, and they had George Harrison. And on the other side of the Atlantic, there was this one guy, with one ear, who was doing the writing, the music, the arranging – everything," referencing Brian Wilson's hearing loss, a result of his father's abuse.
Watch the Stars and Director Talk About 'Love & Mercy'
Fans see that one-man show in the film, glimpsing Wilson's creative process and watching songs like "God Only Knows" and "Good Vibrations" come to life. Dano performs them on piano and vocals as they're being written, but scenes of the classics being recorded use the tapes from the Beach Boys' original sessions.
Many of those scenes were, in fact, filmed in the same studios where the music was originally recorded, Wilson noted. But his experimentation with new lyrical ideas and sounds, played primarily by the Wrecking Crew and not the Beach Boys, drives a deeper wedge between him and his cousin Mike Love (Jake Abel) and his disapproving father Murry (Bill Camp) – both of whom want Wilson to continue writing the sun-and-surf songs that brought earlier success. "Even the happy songs are sad!" Love complains.
Young Brian Wilson goes to great lengths to get the music out of his head and onto the record. When the pianist hits a bad note, Wilson encouragingly tells him it's no longer a mistake if repeated every fourth bar. He records barking dogs, and wonders aloud whether a horse would fit in the studio. He even dives headfirst under the piano hood, feet in the air, plucking strings with bobby pins to achieve the perfect sound.
Famed drummer Hal Blaine (Johnny Sneed) reassures Wilson that his innovations and instincts impress even the classically trained musicians who have worked with the biggest names in the industry. "Phil Spector's got nothin' on you," he tells Wilson. (Some of these tales are also told in the recently released documentary The Wrecking Crew by Wilson, Blaine and bass player Carol Kaye – who's portrayed in Love & Mercy by Teresa Cowles.)
Watch An Extended Preview of 'Love & Mercy'
The peer and critical praise, however, is not enough to counter other staggering personal defeats: Love proclaiming the Beach Boys' Pet Sounds, which has since been regarded as one of the greatest albums in history, a flop; or his father – already fired as the band's manager – selling the Beach Boys' publishing rights in an attempt to even the score. The sounds in Brian Wilson's head become too much, and he cracks while writing tracks for what, decades later, would become Smile.
These scenes of young Wilson are intercut with Cusack's empathetic look at the broken, middle-aged musician, already under the spell of Dr. Eugene Landy (a wicked Paul Giamatti), and struggling to regain control of his life. Landy uses Wilson's increasingly fragile state and fractured relationships to manipulate and overmedicate him, exerting total authority as his legal guardian. The full extent of Landy's practices comes into view during Brian Wilson's courtship with his future wife, Melinda Ledbetter (Elizabeth Banks), who tries to free Wilson from his doctor's grasp.
Cusack's sensitive portrayal followed hours spent both with the Wilsons and with Smile, which the actor said he listened to nightly before bed.
"I felt a little bad because I didn't want to be the guest who wouldn't leave, but if Brian and Melinda were going to invite me into their homes, I just wanted to soak up as much as I could from them," Cusack said. "I hope you liked the movie, but if you didn't like what I did or anything else, you can go listen to the Pet Sounds sessions or Smile sessions and Brian's body of work and you can hear an explosion of creativity that comes along once every hundred years."
Love and Mercy opens June 5.
Review by Debra Filcman
See the Beach Boys and Other Rockers in the Top 100 Albums of the '60s
Check out These 25 Interesting Rock Movie Facts
Next: Top 10 Beach Boys Songs
Filed Under: Beach Boys, Brian Wilson
Categories: Longform, News, Reviews

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Woman nearly dies unable to breathe after drinking glass of wine with wasp in
Posted on September 19, 2022 September 14, 2022 Author monubuntucom Comments Off on Woman nearly dies unable to breathe after drinking glass of wine with wasp in
A retired headteacher has shockingly revealed she nearly died and was left unable to breathe when she drank a glass of wine with a wasp inside it.
On August 12, Jeni Boothman, 73, and husband Tony, 82, went to a neighbour's house in the Lake District valley for a barbecue.
The couple recalled the moment when they sat down with their friends to eat around 9.30pm.
Jeni says she picked up a glass of red wine and took a swig – only to be hit with a searing pain in her tongue as the wasp stung it.
Immediately, she spat the booze out, saying: "I spat out the wine and felt this searing pain on my tongue, it just swelled up.
"I had difficulty breathing because it was blocking my airwaves, I was being sick and it was blocking my nose."
However, Jeni admitted that as it was a dark evening she doesn't if she would have seen the wasp in the first place, adding: "It was dark and I don't know if I'd have noticed it anyway because of chatting
Horrifyingly, she then felt her tongue begin to swell up. Moments later, she began to shake and vomit – meaning she was unable to breathe and her airwaves swelled up.
Instantaneously, the couple's friend dialed 111 to Bowland Bridge, Cumbria. And once the paramedics arrived they gave Jeni three shots of adrenaline in the back of an ambulance.
Once in hospital, she was kept there for two days where she was put on a potassium drip and given steroids.
Around 2am she was moved into a ward, but was discharged two days later.
During her time in hospital time however, Jeni revealed that neither she, nor her husband – who works full time as an architect – had any grasp of truly how serious the situation was.
Medics at Furness General Hospital told her she was lucky to be alive after going into anaphylactic shock.
She said: "I think we didn't realise how serious it was.
"I would have asked to go home with an ice pack on my tongue.
"The doctors at the hospital said I was very lucky."
Since being discharged, despite her tongue remaining swollen four days after the sting, Jeni has praised the NHS for being caring and attentive.
Jeni, who says she gets bad reactions to mosquito and horsefly stings has said that she has learnt from this near-death expereince.
She now plans on getting a glass cover to prevent it from happening again, adding: "I am pretty fit for my age but if that happens, it does not matter what age you are."
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Horror as man kills seagull with his bare hands outside takeaway
Posted on September 14, 2022 September 14, 2022 Author monubuntucom
A man has been arrested on suspicion of an animal cruelty offence after a seagull was killed outside a takeaway having reportedly eaten one of a man's chips. Police were called to Ako Kebabs and Waterhouse bar in Scarborough in the early hours of Saturday 13 August following reports that a man had killed a […]
Four new driving laws coming in NEXT MONTH with major change to phones in cars
Drivers will next month face rule changes on the road and in their cars – with one key update on phone usage in cars. The aim of the changes is to protect road users, especially the most vulnerable — like cyclists and pedestrians. It comes after a number of new rules were introduced earlier this […]
Shark washes up on UK beach sparking debate but experts insist it's not unusual
A shark -like creature washed up on a UK beach sparked a wave of speculation as to what the animal could actually be. The giant marine creature's skull was pictured on the Blackpool coastline – however experts insisted the finding is nothing out of the ordinary. Anna Cullen visited the North Shore of the beach […]
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