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UTI Dynamic Bond Fund 

UTI Dynamic Bond Fund 

UTI is one of the pioneers of the Indian Mutual Fund Industry. With a total AUM Rs 15.56 lakh crore the AMC is among the most trusted names in the mutual fund space. The UTI Mutual Fund offers products across asset classes.   Let us talk about the – UTI Dynamic Bond Fund.  About UTI Dynamic Bond Fund  Investment objective – The scheme's primary objective is to generate optimal returns with adequate liquidity through active management of the portfolio, by investing in debt and money market instruments across duration.   Note: There is no assurance or guarantee that the investment objective of the scheme would be achieved.   Investment Process   The Fund aims to earn accrual income by investing its assets in debt instruments. It follows tactical allocation to invest among corporate debt, government securities (G-Sec), guided by the fixed income strategy of the fund manager.  Source: UTI MF  Portfolio Composition  Currently the dynamic bond fund allocation comprises 89.63% in debt fund and 10.36% in cash & cash equivalents.   Top 5 Holdings for UTI Dynamic Bond Fund  Name Sector  % GOI Sec 7.10 08/04/2034 GOI Securities 41.88 GOI Sec 7.18 24/07/2037 GOI Securities 21.80 GOI Sec 7.37 23/10/2028  GOI Securities 8.82 GOI Sec 7.18 14/08/2033 GOI Securities 8.75 Power Finance Corporation Ltd SR 223 Debenture 7.64 22/02/2033 Debenture 4.40 Note: Data as of 30th April. 2024. Source: Value Research  Start Investing for your Child's Education Performance Since Inception  Period UTI Dynamic Bond Fund (%) CRISIL Dynamic Bond A-III Index (%) CRISIL 10 Year Gilt Index (%) 1 year 6.17 6.37 6.24 3 years 9.85 4.99 3.70 5 years 6.90 7.42 6.04 Since Inception 7.70 7.86 6.22  Note: Fund performance since launch; Inception Date – 16th June.2010 to 30th April 2024. Returns are of direct plan.  Source: UTI MF  Fund Manager  The fund is managed by Mr. Sudhir Agarwal holds who holds a degree of M.com, PGDBA(Finance) and CFA charter from The CFA Institute, USA.  He is Executive Vice President and Fund Manager – Fixed Income at UTI AMC Ltd. He joined UTI AMC in 2009 after 4 years of experience. He has been managing this scheme since December 2021 and has previously worked with CARE (Credit Analysis and Research Ltd.), Transparent Value LLC and Tata Asset Management Company Ltd in different roles.  He is fund manager managing various debt schemes.   Who Should Invest?  Investors looking to capitalize on interest rate movement along with reasonable returns and adequate liquidity.   Investors seeking to do asset allocation across various asset classes.   Investors who want to build their medium-term debt portfolio in an uncertain environment.  Investors having a moderate risk appetite with short term investment horizon can explore this fund.  Why Invest?  The fund dynamically manages duration by investing across the yield curve in response to the change in market environment.   It maintains a diversified portfolio of bonds, debentures and government securities.   It seeks to invest across different maturities and credit ratings to optimize returns with commensurate risk.   The fund intends to maintain adequate liquidity through active management of the portfolio.  Time Horizon  Investors with a time horizon of one to three years may consider this fund.   Investment through Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  UTI Dynamic Bond Fund has provided consistent higher annualised return than category average for the past 1 Year, 3 Years and 5 Years. The fund is having moderate risk so investors can explore this as an alternative to traditional instruments like fixed deposits for long term capital appreciation.  Disclaimer: This is not recommendation advice. All information in this blog is for educational purposes only. 
Difference Between Nursery and Kindergarten in India

Difference Between Nursery and Kindergarten in India

If you are a new parent, you have probably heard the words Nursey and Kindergarten. In fact, admissions for nursery are so competitive in India, especially Delhi that most parents start planning it before their child is even born. Let's understand the difference between nursery and kindergarten in India. Why it's vital for your early development, and when should your child start going to school? Early childhood education plays a crucial role in laying the foundation for a child's future development and academic success. In India, nursery and kindergarten are two common terms used to describe the early stages of schooling for young children. While they may seem similar, there are significant differences between the two that parents should be aware of when considering their child's educational journey. Nursery School: The First Step in Early Education Nursery school, also known as pre-primary or preschool, typically caters to children between the ages of 2 to 4 years old. It serves as the introductory stage of formal education, focusing on fostering social, emotional, and cognitive development through play-based activities and structured learning experiences. Nursery schools provide a nurturing environment where children can explore, interact with peers, and develop essential skills such as language, communication, and fine motor skills. Curriculum and Activities in Nursery School The curriculum in nursery school is designed to be age-appropriate and developmentally relevant, focusing on foundational concepts such as colors, shapes, numbers, and letters. Activities may include storytelling, art and craft, music and movement, sensory play, and outdoor play, aimed at stimulating curiosity, creativity, and imagination in young learners. The emphasis is on providing a holistic learning experience that promotes overall growth and development in a safe and supportive environment. Kindergarten: Building Upon the Foundations Kindergarten, often referred to as KG or Lower Kindergarten (LKG), is the next stage in early education and typically caters to children between the ages of 4 to 6 years old. It builds upon the foundational skills developed in nursery school and introduces more structured learning experiences focused on academic readiness and preparation for formal schooling. The kindergarten curriculum emphasizes language development, numeracy skills, social studies, and basic science concepts, laying the groundwork for future academic success. Curriculum and Activities in Kindergarten The curriculum in kindergarten is more structured and curriculum-driven compared to nursery school, with a greater emphasis on academic skills and readiness for primary education. Activities may include language and literacy development, mathematical concepts, science experiments, social studies projects, and hands-on learning experiences. Kindergarten teachers use a variety of teaching strategies, including group activities, individualized instruction, and learning centers, to cater to the diverse needs and learning styles of young learners. Key Differences Between Nursery and Kindergarten Age Group: Nursery school typically caters to children aged 2 to 4 years old, while kindergarten serves children aged 4 to 6 years old. Focus: Nursery school focuses on fostering social, emotional, and cognitive development through play-based activities, while kindergarten emphasizes academic readiness and preparation for formal schooling. Curriculum: Nursery school curriculum is more exploratory and play-based, whereas kindergarten curriculum is more structured and curriculum-driven, focusing on academic skills and concepts. Activities: Nursery school activities are centered around exploration, creativity, and social interaction, while kindergarten activities include more academic-focused learning experiences and skill development. Conclusion In conclusion, understanding the differences between nursery and kindergarten is essential for parents seeking the best early education options for their children in India. While nursery school provides a nurturing environment for social and emotional development through play-based activities, kindergarten builds upon these foundations and prepares children for formal schooling with a more structured and academic-focused curriculum. By recognizing these distinctions, parents can make informed decisions about their children's early education journey, setting them on a path to success in school and beyond. Join our robust WhatsApp Community that helps parents invest!
Cost of Studying in IIMs: Calculating IIM Study Expenses!

Cost of Studying in IIMs: Calculating IIM Study Expenses!

Before enrolling at an IIM, students need to know about the cost of studying in IIMs beforehand to take appropriate steps to arrange the college fees. As education inflation has reached its peak, the cost of educational expenses is also on the higher side. What are IIMs? The Indian Institutes of Management, commonly referred to as IIM, is a public business school owned by the central government of India. The IIMs offer several study courses like MBA Executive, doctoral, postgraduate, and undergraduate, as well as business administration-related additional courses.  The flagship program of IIM is the MBA or Master of Business Administration program, which is offered as a one-year global MBA program or a two-year Postgraduate Program in Management (PGP).  Create Education Goal to Study in IIM Average Cost of Studying in IIMs There are several IIMs in India, the prominent three being IIM Ahmedabad, IIM Bangalore, and IIM Calcutta also referred to as IIM-A, IIM-B, and IIM-C, respectively. The MBA fee structure of all the IIMs varies between INR 16 Lakh and INR 27 Lakh.  The IIM MBA fees for the top three institutes are the highest and range between INR 24 Lakhs and INR 27 Lakhs, and for newly opened institutes, the fee varies between INR 16 Lakhs to INR 19 Lakhs.  There is a distinct difference between the fee structure of older and newly built IIMs because the new IIMs are financially backed by the government, unlike the older ones, which bear the maintenance and other expenses by themselves. Components of MBA Fees: IIM Fee Structure The IIM fee structure includes Tuition fees Traveling expenses Boarding fees Personal expenses Library fees Cost of Eating in the Mess  Internet expenses Cost of books and course materials Computer/laptop cost Study tours Alum activity Miscellaneous expenses Students can pay the total fees at one go or opt for a semester-wise payment schedule, whichever they find comfortable. Cost of studying in Top 10 IIMs IIM CampusTotal Tuition FeesIIM AhmedabadINR 24.61 lakhIIM BangaloreINR 24.50 lakhIIM CalcuttaINR 25.00 lakhIIM LucknowINR 20.70 lakhIIM KozhikodeINR 20.50 lakhIIM RaipurINR 16.10 lakh (excluding boarding fees)IIM UdaipurINR 19.00 lakhIIM RohtakINR 17.60 lakhVisakhapatnamINR 17.58 lakhIIM TrichyINR 19.5 lakh An overview of the top 3 IIMs  1. IIM Ahmedabad  IIM Ahmedabad is the country's most popular and most expensive IIM, offering Business & Management Studies. The institute offers several facilities like a hostel, library, cafeteria, labs, gym, music room, wi-fi campus, auditorium, medical facilities, sports complex, and a/c classroom.  The total tuition fee structure for the different courses is. CourseTotal Tuition FeesDurationMBA/PGDM (3 courses – 50 seats)INR 12 lakh - INR 24.61 lakhFor 16 months – 2 yearsExecutive MBA/PGDM (1 course – 140 seats)INR 31.5 Lakh 1 yearMMS (1 course)INR 20 lakh2 yearsCertificate (2 courses – 60 seats)INR 1.57 lakh4 – 6 months 2. IIM Bangalore Established in 1973 with NIRF ranking two and a 100-acre campus area, the IIM fee structure covers fees for personal accident insurance and medical insurance besides the regular fee structure offered by almost all the IIMs. Statistics of Bangalore placement 2022 show that 137 companies visited the campus and made 662 offers. The median and average package offered was INR 31.20 lakh per annum and INR 33.82 lakh per annum, respectively. CourseTotal Tuition FeesDurationMBA/PGDM (4 courses – 635 seats)INR 12.5 - INR 24.5 lakh1 year – 2 yearsCertificate (79 courses)INR 65 k – INR 17.75 lakh2 days – 15 monthsExecutive MBA/PGDM (1 course – 75 seats)INR 23 lakh1-year 3. IIM Calcutta IIM Calcutta ranked 3rd under the NIRF rankings and was the first to be established under IIM legacy. According to the available statistics for 2022, the placement percentage of the institute last year was 100%, as 190+ companies visited the campus, and 631 offers were made to the students.  CourseTotal Tuition FeesDurationMBA/PGDM (3 courses)INR 23.2 lakh – INR 25 lakh2 yearsExecutive MBA/PGDM (2 courses)INR 13.5 lakh to 31 lakh1 yearCertificate (35 courses)INR 2.5 lakh – 12.89 lakh6 months – 1 year Balance the Books by Comparing the Cost of IIMs! An elite collection of management schools in India known as the Indian Institutes of Management (IIMs) are renowned for their demanding academic curricula and superior management education. In India, there are 20 IIMs, each with special qualities and advantages. Here are the IIMs available in India: IIMLocationAnnual Fee for PGP (Latest Available)IIM AhmedabadAhmedabad, GujaratApproximately INR 30 lakhsIIM BangaloreBangalore, KarnatakaApproximately INR 24 lakhsIIM CalcuttaKolkata, West BengalApproximately INR 31 lakhsIIM LucknowLucknow, Uttar PradeshApproximately INR 19 lakhsIIM KozhikodeKozhikode, KeralaApproximately INR 19.5 lakhsIIM IndoreIndore, Madhya PradeshApproximately INR 20 lakhsIIM ShillongShillong, MeghalayaApproximately INR 14.3 lakhsIIM RohtakRohtak, HaryanaApproximately INR 16.9 lakhsIIM RanchiRanchi, JharkhandApproximately INR 16.3 lakhsIIM TrichyTiruchirappalli, Tamil NaduApproximately INR 19.5 lakhsIIM KashipurKashipur, UttarakhandApproximately INR 17.3 lakhsIIM UdaipurUdaipur, RajasthanApproximately INR 20.4 lakhsIIM RaipurRaipur, ChhattisgarhApproximately INR 16.5 lakhsIIM NagpurNagpur, MaharashtraApproximately INR 18 lakhsIIM VisakhapatnamVisakhapatnam, Andhra PradeshApproximately INR 18.2 lakhsIIM Bodh GayaBodh Gaya, BiharApproximately INR 15.5 lakhsIIM AmritsarAmritsar, PunjabApproximately INR 17 lakhsIIM SirmaurSirmaur, Himachal PradeshApproximately INR 11.75 lakhsIIM SambalpurSambalpur, OdishaApproximately INR 13 lakhsIIM JammuJammu, Jammu and KashmirApproximately INR 17 lakhs Let’s have a look at the Top 10 IIMs with their Annual Fee. Remember, IIMs often provide scholarships and financial assistance to eligible students based on various criteria, so prospective applicants are encouraged to check the most up-to-date fee structures and financial aid options on the respective IIMs' official websites. Fees for Indians and foreign Nationals at IIMs 1. IIM Ahmedabad One of India's top business schools is IIM Ahmedabad. The PGP (Post Graduate Programme) and PGP-FABM (Post Graduate Programme in Food and Agribusiness Management) are only two of the postgraduate programs it provides. The annual cost of the PGP program is around INR 30 lakhs for Indian citizens and USD 85,000 for foreign students. 2. IIM Bangalore Another esteemed IIM, IIM Bangalore is renowned for its demanding academic programs. The PGP, PGPEM (Post Graduate Programme in Enterprise Management), and PGPPM (Post Graduate Programme in Public Policy and Management) are all programs offered by the institute. The annual cost of the PGP program is around INR 24 lakhs for Indian citizens and USD 85,000 for foreign students. 3. IIM Kolkata One of the original IIMs, IIM Calcutta is well known for its management programmes. It provides a variety of management courses, including the PGDM (Post Graduate Diploma in Management). For Indian citizens and overseas students, the average yearly cost of the PGDM program is roughly INR 31 lakhs and USD 92,500, respectively. 4. IIM Lucknow The academic offerings and research initiatives of IIM Lucknow are renowned for their variety. It offers courses including PGP, WMP (Working Managers Programme), and IPMX (International Programme in Management for Executives). The yearly cost of the PGP program is around INR 19.25 lakhs (for Indian citizens) and USD 63,500 (for students from other countries). 5. Kozhikode IIM The unique programs and instructional strategies used at IIM Kozhikode are well-known. It provides the PGP, EPGP (Executive Post Graduate Programme), and PGP-BL (Post Graduate Programme in Business Leadership). The yearly cost of the PGP program is around INR 19.50 lakhs (for Indian citizens) and USD 60,000 (for students from other countries). https://www.youtube.com/shorts/SRkKqX7IQF4 6. IIM Raipur One of the most recent IIMs, IIM Raipur, is rapidly rising to prominence. It offers the Executive Fellow Programme in Management (EFPM) and PGP. For Indian nationals, the PGP program's annual cost is around INR 16.5 lakhs. 7. IIM Udaipur The picturesque campus and management programs of IIM Udaipur are well-known. The PGP and PGPX (Post Graduate Programme for Executives) are available there. For Indian nationals, the PGP program's annual cost is around INR 20.4 lakhs. 8. IIM Rohtak The IIM Rohtak is renowned for its dedication to top-notch management education. It offers the Post Graduate Programme (PGP), Integrated Programme in Management (IPM), and Executive Post Graduate Programme (EPGPX). For Indian nationals, the PGP program's annual cost is around INR 16.90 lakhs. 9. IIM Visakhapatnam IIM Visakhapatnam, one of the most recent IIMs, is expanding quickly. The PGP and FPM (Fellow Programme in Management) are available. For Indian nationals, the PGP program's annual cost is around INR 18.20 lakhs. 10. Tiruchirappalli's IIM Trichy The management programs and emphasis on research at IIM Trichy are well-known. Both the PGP and FPM are offered. For Indian nationals, the PGP program's annual cost is around INR 19.50 lakhs. Join our robust WhatsApp Community to get updates on Ed-loans! FAQs Which is the cheapest IIM? The cheapest IIM is IIM Sirmaur with its PGP course charging 11 lakhs per annum. Why IIM fee is high? IIM fees are high because their private bodies fund their institute primarily through tuition fees. They off highly popular because of their brilliant ROIs and advance programmes. The institutes offer quality education for MBA courses that are extremely sought after. It is one of the hardest universities to get admission to due to the rigorous admission process and intense competition. What are IIMs? The Indian Institutes of Management, commonly referred to as IIM, is a public business school owned by the central government of India. The IIMs offer several study courses like MBA Executive, doctoral, postgraduate, and undergraduate, as well as business administration-related additional courses
Different Types of Schools in India

Different Types of Schools in India

India, a melting pot of cultures and traditions, boasts a diverse educational landscape that caters to the varied needs and preferences of its populace. From ancient gurukuls to modern international schools, the nation's educational journey is a fascinating tapestry that reflects its rich heritage. Let's delve into the kaleidoscope of different types of schools in India, each contributing uniquely to the nation's educational ethos. Scholarships for your child's future! https://www.youtube.com/watch?v=j5uKaYCAbco&t=2s Gurukuls: Since ancient India, Gurukuls were the cradle of education. Led by revered gurus, these residential schools nurtured holistic development, emphasizing values, ethics, and skills alongside academic prowess. Today, a handful of gurukuls preserve this ancient tradition, blending it with contemporary pedagogy. Best Schools in Rajkot Government Schools: Spread across every nook and corner of the country, government schools play a pivotal role in providing accessible and affordable education. Despite challenges, they remain the backbone of India's mass education system, aiming to bridge socio-economic gaps and empower the masses. Private Schools: In the quest for quality education, private schools have emerged as beacons of excellence. Varied in curriculum, philosophy, and teaching methodologies, these institutions cater to a diverse range of students. From traditional ICSE and CBSE schools to those offering international curricula like IB, the private sector provides a spectrum of educational choices. International Schools: With the world becoming a global village, international schools have gained prominence. These institutions follow international curricula, fostering a global perspective and preparing students for global challenges. The emphasis is on experiential learning, multicultural exposure, and advanced teaching methodologies. They offer boards like IB that help students transition to foreign universities efficiently. Take a break from reading and watch this! https://www.youtube.com/shorts/wQbhsWtOPpU Boarding Schools: India has a long-standing tradition of boarding schools that provide a complete immersive experience. Nestled in scenic locations, these schools focus not only on academic excellence but also on character-building, discipline, and extracurricular activities. They create an environment where students learn life skills while pursuing academic goals. Montessori Schools: For early childhood education, Montessori schools provide a unique approach. Inspired by Maria Montessori's philosophy, these schools focus on self-directed learning, hands-on activities, and collaborative play. The emphasis is on nurturing curiosity, creativity, and independence in the formative years. Specialized Schools: Recognizing the diverse talents and needs of students, specialized schools have gained popularity. These include schools for the arts, sports academies, STEM-focused institutions, and those catering to specific learning challenges. They tailor education to individual strengths, fostering a conducive environment for specialized skill development. Why every child needs an Education Fund? India's educational landscape is a vibrant mosaic, with each type of school contributing uniquely to the nation's growth. From preserving ancient traditions to embracing global learning trends, these schools collectively shape the minds of the future. As India strides confidently into the 21st century, its diverse schools continue to play a pivotal role in sculpting a well-rounded, enlightened generation ready to face the challenges of the world. Join our robust WhatsApp Community that helps parents invest!
Importance of Family Budgeting

Importance of Family Budgeting

Families constantly juggle expenses, unexpected bills, and financial goals that can leave them feeling stressed and financially vulnerable. However, there is a powerful tool that can help us regain control and transform our relationship with money: Family Budgeting. It goes beyond just numbers; family budgeting holds the potential to not only empower our finances but also strengthen the bonds that tie our family together. https://www.youtube.com/watch?v=tdwqQH0xkFw Importance of family budgeting 1. Securing financial stability  A family budget often serves as a roadmap to financial stability and security, paving the way for a brighter future. By establishing a comprehensive budget, you gain a clear understanding of your income, expenses, and savings. This knowledge helps and empowers you in making informed decisions about ensuring that your family's needs are met while setting aside funds for emergencies, spending and saving, and future goals.  A budget acts as a safety net, providing peace of mind in cases of financial uncertainty, knowing that you have a plan in place to weather any storm that comes your way. What is the 15 * 15 * 15 Rule in Mutual Funds? Read More 2. Deciding long-term and short-term goals The process of budgeting allows you to define your financial goals as a family and work in a direction to achieve them together. Whether it's saving for a dream vacation, purchasing a new home, or planning for your children's education, a budget helps allocate funds toward these aspirations. The process of setting goals and tracking progress in stills a sense of purpose and direction within the family.  By involving the entire family in the budgeting process, everyone gains a sense of ownership and motivation to stay committed to the goals. This collaborative approach fosters a shared sense of purpose and strengthens family bonds as you work towards a common vision. https://www.youtube.com/watch?v=lyFMznQdbwo 3. Teaching your kids financial responsibility One of the greatest gifts for your children that you can give is the knowledge and skills for managing money effectively. By having their involvement in the budgeting process, you create an opportunity for them to learn valuable lessons about financial responsibility. From an early age, children can grasp the concept of budgeting and develop healthy spending habits. Also, by including them in discussions about family finances, they get a deeper understanding of the value of money and the importance of making thoughtful financial choices. This not only equips them with essential life skills but also strengthens the parent-child relationship through open and honest conversations about money. https://www.youtube.com/watch?v=sNqwEZbjEvc 4. Striving for transparency in budgeting  Family budgeting promotes open communication and transparency within the household. Regular budget meetings provide a platform for family members to discuss financial matters, voice concerns, and make joint decisions. This creates an environment of trust and cooperation, allowing everyone to contribute their ideas and suggestions. Through these discussions, you can address any financial conflicts or challenges that arise, fostering a culture of open dialogue and problem-solving. By working together as a team, you not only improve your financial situation but also build stronger bonds within the family, rooted in trust and shared decision-making. https://www.youtube.com/shorts/Zsd3-9_6H1o 5. Cultivating financial discipline Budgeting requires discipline and self-control, qualities that extend beyond financial matters. When you adhere to a budget, you cultivate discipline and develop a strong sense of accountability. These traits have a ripple effect, positively influencing other areas of life such as work, education, and personal relationships. By instilling financial discipline within your family, you impart valuable life skills that will benefit your loved ones for years to come. The process of budgeting teaches patience, delayed gratification, and responsible decision-making, equipping family members with the tools they need to navigate the complexities of the modern financial landscape. 5 Pro Tips for Creating a Child Education Fund Read More 6. Reduces stress and improves your well-being Financial concerns can be a significant source of stress within a family unit. Budgeting helps alleviate this stress by providing a sense of control and predictability. With a budget in place, you can reduce debt, plan for future expenses, and prioritize savings. As financial worries decrease, family members can focus on enjoying quality time together, strengthening their emotional bonds, and experiencing an overall improvement in well-being. The knowledge that you have a plan in place to handle financial challenges brings a sense of security and peace, enabling you to fully embrace the joys and opportunities that life has to offer. How long should you invest in SIP? Read More 7. Gives your emergency blanket  Life is unpredictable, and unexpected expenses can arise at any moment. Family budgeting allows you to prepare for these emergencies by setting aside funds in an emergency savings account. This ensures that your family is better equipped to handle financial shocks without jeopardizing your long-term goals. By having a safety net in place, you can face unforeseen circumstances with confidence, knowing that you have taken proactive measures to protect your family's financial future. This not only gives a sense of security but also strengthens the family's resilience, fostering a mindset of preparedness and adaptability in the face of challenges. Join our robust WhatsApp Community that helps parents invest! Family budgeting is more than just crunching numbers and tracking expenses. It is a transformative process that empowers your finances while nurturing strong bonds within your family. By creating a budget together, you embark on a journey of financial stability, goal achievement, and personal growth.
Why do international students pay more tuition?

Why do international students pay more tuition?

Ever wondered why international students pay more tuition than domestic students in a foreign country? In countries like UK and Canada, the tuition cost for international students is double the amount charged to domestic students.   Let’s take the example of Kings College London, UK. The current tuition fee for 2023-24 to study BA English for international students is £23,160 per year while for domestic students, it is £9,250 per year. In Indian rupees, the yearly cost would be nearly Rs. 21 lakhs for international students while for domestic students, it is Rs. 8. 34 lakhs!   This is not just the story of Kings College London, UK. Many more universities charge international students more than their domestic counterparts. Let’s explore why! Reasons why international students pay more   There are multiple reasons why international students pay more tuition fees than domestic students.  Lack of government funding or government caps like its present for the UK and European students in the United Kingdom.    International tuition fees are a major source of income for the government and foreign universities.   Education inflation refers to the rising cost of education on a yearly basis. Inflation affects the cost of education directly and has led to an increase in annual tuition fees not just at top universities in foreign countries but in government universities in India as well.   Universities are employers and a hub for research. This means that they need revenue to facilitate their yearly expenses like research, paying salaries, and maintaining the infrastructure. The revenue for these costs comes largely from tuition fees which is why international students end up paying more Are higher tuition fees problematic for international students?  Higher tuition fees can be an obstacle for many international students. International students struggle with annual fees as well as the rising costs of accommodation, travel, and daily expenses in foreign countries. Most international students depend on their parents to finance their education which means that they not only have to pay more in tuition fees but their purchasing power is less because their parents are earning in local currencies.   For instance, the fall of the rupee against the dollar has financially affected Indian students studying in the US currently. The price of living expenses has gone up due to rising inflation. How can you manage to manage higher tuition fees?  The cost of education is readily increasing and the only way to cope with it is to start saving and investing. If you are a parent and want to send your child abroad then investing in mutual funds via SIP and exploring US stocks is a great saving strategy. The benefits of both investing strategies are limitless:   A SIP in mutual funds allows you to save and invest gradually. You can start with Rs. 2000 every month or more depending upon your goal target and gradually increase the invested amount to combat the rising inflationary prices.   Investing in US dollars gives you an edge because you not only get better returns but you will be able to secure your purchasing power if your child decides to study abroad. Gaining returns in dollars and spending in dollars is better than earning in rupees and spending in dollars! Thus, investing in US stocks and funds gives you an upper hand and helps you plan a solid future for your child.   There are many more options that can help you fund your tuition fees. You can opt for an education loan, and explore scholarships and grants that can partially or fully fund your education expenses. Join our robust WhatsApp Community that helps parents invest! Knowing the cost of tuition fees and the consequent living expenses and calculating it can truly help you plan this education journey better; it will allow you to make strategic decisions and create an education corpus fit to study anywhere in the world.  
Best way to invest $1000 for a Child

Best way to invest $1000 for a Child

There are numerous options available for adults if they are looking for the best way to invest $1000 for a child. Every parent wishes to give a comfortable, secure, and stable life to his child, and what better way than investing on his behalf from an early age?  Investments are what drive your savings because of the compounding factor. $1000 is a good amount for investment hence you can take the help of endless opportunities to create a sizable nest egg from it. Identify your financial goals and how much time you have in hand before investing. As a rule, when the timeline is short the risk involved is also less and so are the returns. Conversely, longer timelines mean higher risk and greater growth.  Investing $1000 early will help the small amount to grow into a significant corpus. Assuming that the expected average long-term return is 10% then the $1000 will result in a nearly $490,370 portfolio by the time a child will need the money in his retirement age. Take the help of the investment calculator at the Edufund App to know how much amount you can expect for your child with a $1000 investment. Best opportunities to invest $1000 for a child Custodial account A custodial account can be opened by an adult on behalf of a child at an investment firm or a bank. The child is the beneficiary of the account which is handled by the legal adult who opens and operates the account until the child achieves maturity and comes of legal age.  The funds that grow through the custodial account can be used for any purpose by the child when he becomes the legal holder.  You can open a custodial account with Edufund App, an investment platform to secure your child’s financial future with a sum of $1000. Funds can then be invested in a diversified portfolio of assets to achieve the best returns. Different types of assets for a $1000 investment through a custodial account. 1. ETFs and index funds Index funds structured as ETFs and mutual funds help to invest in several companies at once. Index funds with low fees are the best options when the investment is through the custodial account.  For investors who are fond of taking risks to gain higher returns one of the best investment options available with $1000 is the direct equity fund. Growth stocks often yield very high profits than average equity but they have to be invested for a longer period hence choose growth equity funds for your child. 2. Individual stocks If you are not interested in the overall stock market invest $1000 in individual stock that has shown consistent returns over the years. 3. Savings bonds Saving bonds are traditional monetary gifts considered safe investments for a child. The volatility of the stock market does not have any impact on it so people looking for safe and secure investments find the savings bond lucrative options. Purchase savings bonds from private companies, utilities, and municipalities. Other investment opportunities 1. Bank fixed deposits Fixed Deposits can be a good investment opportunity for a child if you are looking for a low-risk safe and secured one-time option. Most banks offer special FD schemes for children without the option of premature withdrawal. 2. Insurance policies Choose children-specific insurance policies with life cover and death benefits. The adult who is the policyholder has to pay a sum, for instance, $1000 once and at maturity the total amount which has been compounded over the years is returned as a lump sum.  3. One-time child investment plans Invest $1000 in one-time child investment plans as early as possible so that you can get back a lump sum amount after a pre-decided period. One-time child investment plans are considered beneficial as they are safe and secured investments.  There are several options open for you that will offer better returns along with death benefits. If you are unable to decide on a specific investment plan then take the help of Edufund App and its partner banks to purchase a child investment plan that will give the best possible returns.  Conclusion A newborn child has several years before the need to access the funds will arise so it is prudent for parents to think about the best way to invest $1000 for a child and secure his future to some extent.  Take the help of the EduFund App and create a financial plan where as parents you can make investments for the child in your name. Just sign up for an account, select a portfolio from several options like US funds, mutual stocks, gold, ETFs, etc. and start your investment with $1000. Join our robust WhatsApp Community that helps parents invest!
Top International Schools in Bangalore

Top International Schools in Bangalore

Bangalore, the Silicon Valley of India, is home to some of the most prestigious schools in the country. These institutions offer world-class facilities and education, attracting students from all over the world. With a plethora of options available, choosing the right school can be a daunting task.   In this article, we will take a closer look at the best international schools in Bangalore, providing valuable insights to parents who are looking to give their children the best education possible. Create Goal for Child Education Top 13 best schools in Bangalore 1. Indus International School: With an annual fee of around Rs. 9.5 lakh, Indus International School is one of the most expensive schools in Bangalore. The school follows an international curriculum and offers state-of-the-art facilities.  Established in 2003, Indus International School is a distinguished educational institution, holding accreditation from both the IB and CIE boards. It is dedicated to providing a comprehensive education that equips students to confront life's myriad challenges. Located in the Sarjapura district of Bangalore, the school boasts a sprawling 40-acre campus featuring cutting-edge facilities and top-notch amenities for its students. As one of the pioneering and highly regarded educational institutions, this international school in Bangalore has also expanded its presence to Hyderabad, Pune, and Chennai, extending its legacy of excellence.  Address: Billapura Cross, Sarjapura Board: IB Website https://bangalore.indusschool.com/ 2. Candor International School: Candor International School is another top-tier institution in Bangalore, offering an international curriculum and modern facilities. The annual fee for the school is around Rs. 8.5 lakh. This top international school in Bangalore stands as a contemporary global educational institution that has emerged in recent times. Established in 2011, the school provides the IGCSE curriculum for middle school students and offers the IB diploma program for high school students. While the school awaits authorization for the IB PYP (Primary Years Programme) for primary-level students (ages three to 12), it boasts a sprawling 25-acre campus, equipped with top-notch infrastructure and facilities, fostering comprehensive student development. Address: Koppa-harapanhalli Road, Hullahalli.   Board: IB and IGCSE    Website https://candorschool.edu.in/ 3. Mallya Aditi International School: Mallya Aditi International School is a well-known institution that offers an International Baccalaureate (IB) program. This international school in Bangalore has an annual fee of around Rs. 8.5 lakh.  Named in honour of the Bangalore-based tycoon Vijay Mallya, the Mallya Aditi school provides education following the ICSE curriculum from first to twelfth grade. Nevertheless, students in the higher grades (Ninth to Twelfth) have the option to select either the Cambridge International Examinations (CIE) IGCSE program or India's ICSE board. The institution boasts a diverse student body hailing from various corners of the globe, fostering an enriching atmosphere of multiculturalism within its classrooms. Address: Behind NIPCCD building, Yelahanka New Town, Bangalore 560 106 Board: IGCSE board or the ICSE Website: http://www.aditi.edu.in/ Expensive Schools in Ahmedabad Read More 4. Stonehill International School: Stonehill International School is a popular choice for parents seeking an international education for their children. The school offers a variety of programs and has an annual fee of around Rs. 7.5 lakh. Established in the year 2005, this top international school in Bangalore is a coeducational institution that provides the International Baccalaureate (IB) and International General Certificate of Secondary Education (IGCSE) curricula, catering to students from pre-primary through Class XII. Nestled on a sprawling 34-acre campus in close proximity to the airport, the school enjoys a tranquil environment, shielded from the hustle and bustle and pollution of the city. Notably, the school offers both daycare and boarding options, making it a diverse and cosmopolitan choice, drawing students from various countries. Address: Tarahunise Post, Jala Hobli Board: IB Website https://www.stonehill.in/ 5. Canadian International School: As the name suggests, the Canadian International School offers a Canadian curriculum and follows a global approach to education. This is one of the best international schools in Bangalore and stands out as a beacon of environmental responsibility, as it operates entirely on solar energy. This remarkable initiative serves as a valuable lesson for its young students. Founded in 1996 with a humble beginning of only 15 students, the school has rapidly gained recognition in the city. It is renowned for its comprehensive educational approach, which fosters the growth of leadership qualities in its students. Additionally, the school holds full accreditation from both the CIE and the New England Association of Schools and Colleges and offers IGCSE certification. To maintain an intimate and focused learning environment, class sizes are deliberately kept small, with a maximum of 24 students per class. The annual fee for the school is around Rs. 7.5 lakh.  Address: No 4 & 20, Manchenahalli, Yelahanka, Bengaluru – 560064 Board: IGCSE Website: www.canadianinternationalschool.com 6. Inventure Academy: Inventure Academy is a relatively new school in Bangalore but has quickly gained a reputation for excellence. Inventure Academy, established in 2005 by the non-profit organization India Learning Foundation, holds a prominent position among India's top 20-day best international schools in Bangalore. The school initially adopts the ICSE curriculum up to grade eight, but beyond that point, students are granted the flexibility to choose between the Cambridge International Examinations (CIE) format or the continuation of the ICSE curriculum. Additionally, students have the option to pursue IGCSE examinations and Level A/AS qualifications. The school has an annual fee of around Rs. 7.5 lakh.  Address: Whitefield – Sarjapur Road, Chikkavaderapura, Near Dommasandra Circle, Bangalore – 562 125 Website: www.inventureacademy.com 7. Greenwood High International School: Greenwood High International School offers both Indian and international curricula and is known for its strong academic programs. The annual fee for this international school in Bangalore is around Rs. 7 lakhs. Greenwood High School adheres to a diverse set of educational programs, including the IB, ICSE, IGCSE, and ISC curricula. Nestled within a vast 22-acre campus situated in Bangalore's Sarjapur area, the school boasts modern facilities that facilitate a comprehensive education for students. From grades IX to XII, students can pursue IB diploma certification and IGCSE exams, aligned with the Cambridge International Examinations board. Additionally, the school incorporates chess into its international curriculum, alongside theatre, fine arts, and performing arts programs. Address: No.8-14, Chikkawadayarapura, Near Heggondahalli, Gunjur Post, Varthur Sarjapur Road, Bangalore-560087 Board: IB, ICSE, IGCSE, and ISC Website: www.greenwoodhigh.edu.in 8. The International School Bangalore (TISB): The International School Bangalore (TISB) is one of the most prestigious schools in Bangalore, offering an international curriculum and world-class facilities. The annual fee for the school is around Rs. 6.5 lakh. This top international school in Bangalore is genuinely a global institution and boasts a diverse student body hailing from various corners of the globe. Undoubtedly, the school's infrastructure and amenities are of the highest international standards, a fact underscored by its accreditation from both the CIE and IGCSE boards. In the early years and middle school levels, the institution adopts the National Curriculum of England, fostering a learning environment that encourages young minds to inquire and discover the world. As students progress to classes IX and X, the school adopts the IGCSE curriculum, while for classes XI and XII, there is the option to pursue the challenging IB Diploma Programme. Address: NAFL Valley, Whitefield – Sarjapur Road, Near Dommasandra Circle, Bangalore – 562 125 Board: CIE and IGCSE Website: tisb.org 9. Trio World Academy: Trio World Academy offers both the IB and Cambridge curricula and has an annual fee of around Rs. 6.5 lakh. The school is known for its excellent sports facilities and programs. Trio World Academy, founded in 2007 near Bangalore's airport in the Sahakara Nagar vicinity, provides a comprehensive educational experience. This top international school in Bangalore offers the IB Primary Years Program for younger students, the CIE curriculum for middle school years, and the IGCSE and IB diploma programs for senior students. Beyond emphasizing academic achievement, the institution fosters excellence in various creative disciplines, including music, dance, art, and design. Address: 3/5 Kodigehalli Main Road, Sahakar Nagar Bangalore- 560092 Board: IB, CIE, IGCSE  Website: www.trioworldacademy.com 10. Delhi Public School Bangalore North: Delhi Public School Bangalore North is a popular choice among parents seeking a strong academic program for their children. This is a prestigious school located in Bangalore, India. Known for its commitment to academic excellence and holistic development, It offers a comprehensive and well-rounded education to its students. The annual fee for this international school in Bangalore is around Rs. 6 lakhs.  Address: Survey No 35/1A Off Bellary Road Jalla Hobli Bagalur, Post, Sathnur Village, Bengaluru, Karnataka 562149 Board: CBSE Website: https://north.dpsbangalore.edu.in/ 11. The Bangalore International School: The Bangalore International School (TBS) is a co-educational school that offers the IB curriculum. The school is located in Hennur, and it is known for its excellent academic record, experienced faculty, and wide range of extracurricular activities. Founded in 1969, the Bangalore International School holds the distinction of being one of the city's most venerable international educational institutions. This establishment came into being thanks to the vision of Eloise Bennet, an American visionary, who aspired to establish a school that adhered to North American pedagogical techniques. In the present day, this top international school in Bangalore serves a diverse community of students, including expatriate youngsters and residents seeking top-tier education and a global outlook. The institution not only imparts valuable life skills and knowledge but also nurtures an environment that celebrates cultural diversity. The school's curriculum is anchored in the International Baccalaureate (IB) and Cambridge International Examinations (CIE) programs while embracing the Round Square educational approach. Address: Geddalahalli, Hennur Bagalur Road. Board: IGCSE, CAIE, and IB  Website: https://bangaloreinternationalschool.org/ 12. Ryan Global School: Ryan Global School is a co-educational school that offers the CBSE curriculum. This best international school in Bangalore has two campuses in Bangalore, one in Yelahanka and the other in Bannerghatta, and it is known for its innovative teaching methods, excellent infrastructure, and wide range of sports and cultural activities.  Address: Behind Hindustan Lever Ltd, near AECS Layout, M.H.Colony, Kundalahalli, Brookefield, Bengaluru, Karnataka 56003 Board: ICSE Website: https://www.ryangroup.org/ 13. Oakridge International School: Oakridge International School is a co-educational day-cum-boarding school that offers the IB curriculum. The school has two campuses in Bangalore, one in Sarjapur and the other in Vidyaranyapura, and it is known for its excellent academic record, world-class facilities, and wide range of extracurricular activities.  Address: Varthur Road, Circle, Dommasandra. Board: CBSE and IGCSE Website https://www.oakridge.in/bengaluru Expensive Schools in Delhi Read More While these schools are undoubtedly some of the most expensive in Bangalore, they also offer unparalleled education and facilities to their students. From a wide range of extracurricular activities to experienced and dedicated faculty, these schools strive to provide a holistic learning experience to their students.   Start Investing in Mutual Funds However, it's important to note that expensive schools do not necessarily guarantee the best education for every child, and parents should consider a variety of factors before deciding. Nonetheless, for those who can afford it, these schools offer an excellent opportunity to give their children a world-class education.  Expensive Schools in Hyderabad Read More Conclusion  Bangalore is home to some of the most expensive and prestigious schools in the country, offering a range of curricula, state-of-the-art facilities, and a wide range of extracurricular activities. While choosing a school can be a challenging task, parents can rest assured that these schools provide an unparalleled education to their students.  However, it's important to remember that the most expensive schools may not always be the best fit for every child, and parents should carefully consider their child's needs and interests before making a decision. Nonetheless, for those who can afford it, these schools offer an excellent opportunity to give their children a world-class education and prepare them for success in the future.  Empowering Dreams with EduFund: Your Partner in Education Bangalore is home to some of the most expensive and prestigious schools in the country, offering a range of curricula, state-of-the-art facilities, and a wide range of extracurricular activities. While choosing an international school in Bangalore can be a challenging task, parents can rest assured that these schools provide an unparalleled education to their students.  EduFund offers a streamlined solution for planning and financing your child's educational voyage. Whether it's prudent savings or strategic borrowing,  EduFund empowers parents to secure their child's future with unwavering confidence. As a trusted partner in the pursuit of knowledge and aspirations, EduFund is committed to helping families forge a brighter, more prosperous future. Together, we can ensure that no dreams remain unfulfilled due to financial constraints and that every child embarks on a successful educational journey. Parents should carefully consider their child’s needs and interests before making a decision. For those who can afford it, these best international schools in Bangalore offer an excellent opportunity to give their children a world-class education and prepare them for success in the future. Join our robust WhatsApp Community that helps parents invest!
Guide to calculating education costs for parents

Guide to calculating education costs for parents

Parents want the best for their children, especially a good education. The rising inflation rate makes it difficult for parents to determine the amount they need to save for their child’s education. Understanding the actual education costs with the help of a college cost calculator is important so that parents can become aware of the potential expenses. It surely becomes easy to plan, start early investments, and build a future education corpus. Here’s a guide to calculating education costs for parents! This blog will help parents to get an estimate of future expenses and plan accordingly.  What is an education cost calculator? An education cost calculator is a tool that helps the user to know about future education expenses effectively. It is easy to use and gives the best estimates so that parents can make necessary changes in their plans to suit their requirements.  The education calculator considers future value, inflation, number of years a person has to save and then calculates the amount. The objective of using an education calculator is to make the process easy and smooth. Once the calculator gives out the estimated amount, parents can take the help of financial experts to create a roadmap for achieving financial goals.  What will be the Cost of Education after 20 years? Read More Steps to Calculate Education Costs  Education inflation is at an all-time high, and it has led to a rapid rise in education costs. Parents need to factor in several metrics to get the nearest estimate of potential costs.  1. Calculate the current cost Determine the cost of education based on current market value. Suppose you want to send your child to the UK, then calculate the current amount you need to send your child abroad.  If you want to send your child to a reputed college in your home country, then calculate the total cost needed for that degree course in terms of the current fee structure and associated costs. It is now easy to visit the sites of reputed universities and learn about their fee structure and associated costs to get a general idea of the amount required for studying a specific course.  Parents can take the help of education counselors like the ones at Edufund to calculate the current amount needed for higher studies.  2. Determine the number of years Parents wanting to know about the education costs down the line need to determine how many years they have to save to create an education fund.  Is your child still young, or will they be ready in a few years to join the high school? Suppose the child is now 6 years old and they will need the money for higher education when they are 17 years old. The parents then have a maximum of 17 – 6 = 11 years in hand.  How many years approximately a parent has is important as the number of years affects the amount you can build. If a parent has a smaller number of years, then he needs to save a higher amount which might prove difficult for a middle-class family.  3. Consider the rate of inflation The amount you have calculated based on the current scenario will not be feasible down the line. Suppose your child enters college after ten years then the amount needed at that time will not be the same. You can consider the overall inflation rate or use available breakdowns.  It is vital to factor in the inflation rate to determine the costs that will go up in the future for correct estimates.  Factors responsible for Education Inflation in India? Read More 4. Consider the expected investment return Be realistic while determining the expected investment returns. Remember, when you have a clearer picture, it becomes easy to take the necessary steps that will take you closer to your desired goals.   5. Consider the education calculator Parents should consider an education calculator to give them the nearest evaluation of the amount parents should save to meet future education costs. The use of an education calculator will ultimately prove beneficial in making effective plans for the future. Once the parents have all the necessary information, then simply key in the details as per the instructions. The education calculator is an important guide to calculating education costs for parents as it will provide the probable future education cost and the monthly savings that need to be undertaken to build that amount.  Edufund’s college cost calculator is a comprehensive education calculator that can calculate the potential education expenses and give the nearest amount needed to meet your child’s education costs. It will also provide the parents with an estimate of the monthly savings that need to be undertaken to achieve goals. Join our robust WhatsApp Community that helps parents invest! Conclusion The guide to calculating education costs for parents gives easy access to the required know-how and helps in making informed decisions. An education calculator like the one at Edufund helps to meet the educational needs of a child successfully. It is a blessing in disguise because besides providing estimates and extensive information, it helps to save the cost estimates and alter them to suit individual needs.
How to raise a child and how much money do you need?

How to raise a child and how much money do you need?

Although nothing compares to the delight of having a child, raising a child, and giving him or her, it comes at a high cost. Parenting involves a significant financial commitment and emotional and physical investment. Raising a child in India is challenging and expensive. If you are wondering how much money does it take to raise a child in India? List of major expenses for child education plans 1. School expenses  Children's schooling and extracurricular activities take up a huge chunk of a parent’s annual income. Over 65% of parents spend at least half of their annual income on schooling. Every parent wants the best education for their child, even if it means that they occasionally struggle to make ends meet owing to escalating school costs.   A private school charges between 50,000 to 2 lakh rupees annually. In the 12 years between Classes I to XII, there would be an outlay of between 11 to 43 lakh rupees, assuming a 10% annual inflation rate for schooling. This fee is in addition to any tuition or extracurricular activities the child will enroll in.  2. College expenses  College expenses are a big part of how much money it takes to raise a child in India. Indian parents are most concerned about rising college costs, which constitute a major expense. The average cost of an engineering degree ranges from ₹12 to ₹15 lacs today; it will cost about ₹42 lacs to ₹50 lacs in around 15 years. In the same vein, it is reasonable to predict that in 15 years, a medical degree will cost more than one crore if it costs ₹30 to ₹40 lacs today. Although parents may choose to use student loans to pay for more expensive studies, the interest rate still remains high even after-tax exemptions. Top best child investment plans in India Read More 3. Miscellaneous expenses Miscellaneous expenses are important to consider when estimating exactly how much money it takes to raise a child in India. Up to the age of 18 are food, housing, and child care, but these are not the only costs to take into account. It can be expensive to purchase other basics like clothing, education, and healthcare. When calculating the costs of having and raising a kid, all of these categories should be taken into account as well.   According to a 2011 report by the Economic Times, the average cost of raising a child in India was ₹ 2.1 lacs. Healthcare costs are also increasing quite swiftly. The price of healthcare has increased steadily since that time by more than twice its previous level. Therefore, the typical health care expenses for raising a child will be between ₹ 4 to ₹ 5 lacs.  Food and other related costs, such as eating out, can range from ₹ 5000 to ₹ 6000 per person on average. Therefore, this could result in an additional ₹70,000 in expenses each year. As food prices rise, this will rise as well, therefore over the next 20 years, food may cost you ₹15 to ₹20 lacs.  Although this is changeable depending on your needs, an ordinary middle-class household that goes to the movies once a week and sometimes to a play or a weekend getaway should expect to pay roughly ₹ 4000 per person. A domestic holiday can run you roughly ₹ 30,000 per person, so your average annual entertainment price is between ₹70,000 to ₹ 80,000. All of these costs are based on current prices and do not account for inflation, so you will need to adjust your budget to account for inflation as you raise your child annually. When it comes to how much money does it take to raise a child in India? Then it can cost you from ₹65 to ₹80 lacs to raise a kid in India today. Join our robust WhatsApp Community that helps parents invest! FAQ How much does a parent spend on a child in India?  Tier 1 city households may spend up to ₹43,000 on their children, but Tier 2 families spend nearly 23% less, Tier 3 families spend more than 22% less, and Tier 4 city parents spend roughly 32% less than Tier 1 city families. So, on an annual basis, Indian parents spend ₹32,000 on their children's education.  How much do you need to have a baby in India?  Given that infants are vulnerable to infections in their first few years of life, children need intensive medical care. Therefore, keeping that in mind, according to the reports of Aditya Birla Capital, the average cost of raising an infant would range from 5 to 6 lacks rupees which would include all the expenses from monthly pediatrician visits to accessories for a child.
Understanding the Phenomenon of Education Inflation

Understanding the Phenomenon of Education Inflation

Education inflation, just like rising prices in daily life, is quietly reshaping our future. Education inflation talks about the rise of education costs like tuition fees as well as secondary costs like transport, books, accommodation, and living expenses. The overall cost of attendance for any school or college has drastically increased by 10% over the years.   It's a financial challenge we can't afford to ignore. Let's go through this article and get to know about education inflation in-depth, how it affects Indian parents and how can you deal with it. Education Inflation: What is it?  Education inflation refers to the steady and consistent increase in the cost of education over time. Like general inflation, where the prices of goods and services rise, education inflation specifically pertains to rising expenses related to schooling, college, and educational services. This includes tuition fees, textbooks, school supplies, and other educational expenses. Education inflation can put a strain on students and their families, making it increasingly challenging to afford a quality education. https://www.youtube.com/watch?v=jjXF-KC9iWI Understanding Education Inflation with Examples   Education inflation is when the cost of going to school or college keeps going up over time. It's like when the price of your favorite snacks or toys increases, but in this case, it's about the price of education. Here, we'll explore why school and college fees are getting more expensive and why this trend is likely to continue.  Examples of Increasing Fees  1. School Tuition Fees  In India, school tuition fees have been steadily rising due to education inflation. Private schools have seen significant fee hikes. For instance, a prominent private school in Mumbai raised its annual tuition fee from INR 1 lakh to INR 1.5 lakh within just a few years.  2. College Tuition Fees  College fees have also been affected. Many Indian universities have increased their fees to cope with rising costs. A prominent engineering college in Delhi raised its annual tuition fee for undergraduate programs from INR 50,000 to INR 80,000 in just three years.  Start Investing in Mutual Funds The Future of Rising Fees  As education inflation continues, it's likely that school and college fees will continue to increase. The demand for quality education remains high, and institutions must invest in resources to meet these demands. Moreover, with the ongoing impact of inflation on the economy, institutions may need to raise fees to maintain their financial stability.  Why Education Inflation is Rising? Read More Why Education inflation will continue?  Education inflation is likely to persist for several reasons:  1. Growing Population: As India's population continues to rise, more students will seek admission to schools and colleges, increasing demand.  2. Advancements in Learning Tools: As technology keeps evolving, schools and colleges will need to invest in newer tools and resources to stay competitive, which can lead to higher fees.  3. Economic Pressures: With the ever-changing economic landscape, schools and colleges might raise fees to cope with inflation and maintain quality. Impact of Education Inflation Read More Factors driving Education Inflation  There are a lot of factors which are responsible for the education inflation rate in India:  1. Increased Demand for Education: As more and more people want to get an education, like going to college or sending their kids to school, the demand goes up. This means colleges and schools can charge higher fees because they know many people are willing to pay for it.  2. Economic Inflation: General inflation in the economy makes everything more expensive, including education. When the prices of goods and services rise, schools and colleges often adjust their fees to keep up with the higher cost of living Addressing Education Inflation with EduFund's Products  Education inflation is a growing concern, and finding ways to manage the rising costs of education is crucial. EduFund offers a range of products and services designed to help students and families address this challenge effectively. Here's how EduFund's products can contribute to tackling education inflation:  1. EduFund Savings Plans: EduFund provides savings plans tailored to educational goals. These plans allow families to set aside money specifically for education expenses, helping to mitigate the financial burden of rising tuition fees. By starting early and saving consistently, families can accumulate funds to cover future educational costs.  2. Scholarship and Financial Aid Services: EduFund offers guidance and support in finding scholarships and financial aid opportunities. Scholarships can significantly reduce the overall cost of education, making it more affordable for students. EduFund helps students identify and apply for scholarships that match their qualifications and interests.  3. Education Loan Assistance: For students who require loans to finance their education, EduFund offers assistance in navigating the loan application process. They can provide information on different loan options, interest rates, and repayment plans, helping students make informed decisions about borrowing.  4. Investment Strategies: EduFund provides investment advice and strategies to help families grow their educational savings over time. Through careful investment planning, families can potentially earn returns that outpace the rate of education inflation, ensuring their savings keep up with rising costs.  5. Financial Planning Workshops: EduFund conducts workshops and educational sessions on financial planning for education. These workshops equip students and parents with the knowledge and tools to make sound financial decisions, manage education expenses, and avoid unnecessary debt.  6. Personalized Education Funding Solutions: EduFund understands that every student's situation is unique. They offer personalized solutions that take into account a student's academic goals, financial circumstances, and aspirations. This tailored approach ensures that families can address education inflation effectively while meeting their individual needs.  Conclusion Education inflation is a pressing issue that demands our attention. To combat this challenge, consider proactive steps like saving and investing wisely. One such solution is EduFund, which helps you secure your educational future. Start planning today to ensure that quality education remains accessible for generations to come.  FAQs What is education inflation? Education inflation refers to the steady increase in the cost of education over time, similar to how the prices of everyday goods and services rise. This includes tuition fees, textbooks, school supplies, and other educational expenses. How does education inflation affect Indian parents? Rising education costs strain families, making it increasingly challenging to afford quality education for their children. This can lead to financial stress and limit educational opportunities for some students. What are the reasons behind the rising cost of education? Several factors contribute to education inflation, including: Growing demand for education: As more people prioritize education, institutions can charge higher fees due to increased demand. Economic inflation: General economic inflation impacts everything, including education. Schools and colleges adjust fees to keep up with the rising cost of living. Advancements in learning tools: Evolving technology necessitates schools and colleges to invest in new tools and resources, leading to potentially higher fees.
Money Saving Tips for Housewives!

Money Saving Tips for Housewives!

Money saving tips for housewives are essential for effective budget management. With the right strategies, you can stretch your budget and maximize your resources. In this article, we'll explore various money saving tips tailored to housewives. Additionally, we'll delve into the benefits of Post Office schemes, providing you with valuable insights on how to make the most of your savings. Discover practical advice to help you achieve financial stability and security.  Money Saving Tips for Housewives  Managing household finances effectively is a crucial task for any housewife. Whether you're a stay-at-home mom or managing the home front alongside your career, finding ways to save money can greatly benefit your family's financial stability. Here are some valuable money-saving tips tailored specifically for housewives: 1. Create a Household Budget  Start by putting together a thorough budget that lists all of your monthly revenue and outgoing costs. Sort your spending into categories to find places where you might make savings. Having a clear budget allows you to track your money and allocate resources more efficiently.  2. Plan Your Meals  Meal planning not only helps you provide nutritious meals for your family but also saves you money by reducing impulse grocery purchases and food waste. Create a weekly meal plan and make a shopping list to stick to when you visit the supermarket.  3. Buy in Bulk  Consider purchasing non-perishable items and household essentials in bulk to take advantage of discounts and reduce the frequency of shopping trips. Just be sure to check expiration dates and storage requirements.  4. Embrace DIY  Learning basic home repair and maintenance skills can save you substantial amounts of money over time. From fixing leaky faucets to sewing minor clothing repairs, these DIY skills can reduce the need for costly professional services.  5. Explore Second-Hand Shopping  Thrift stores, consignment shops, and online marketplaces offer a treasure trove of gently used items at a fraction of the cost of new ones. Consider buying second-hand clothing, furniture, and appliances to save on expenses.  6. Cut Down on Energy Usage  Establish energy-saving practices, including utilizing energy-efficient appliances, shutting off lights when not in use, and properly insulating your home. Lowering your energy bills not only saves money but also benefits the environment.  7. Comparison Shop  Before making any major purchases, research and compare prices from multiple retailers or online stores. Take advantage of sales, discounts, and cashback offers to secure the best deals.  8. Save on Transportation  Opt for carpooling, public transportation, or biking whenever possible to reduce fuel and maintenance costs. Properly maintaining your vehicle can also extend its lifespan and minimize repair expenses.  9. Create an Emergency Fund  Setting aside a section of your savings for emergencies could prevent you from going into debt when unexpected expenses arise, such as medical bills or home repairs.  10. Utilise Post Office Savings Schemes  Explore the various savings and investment options offered by the Post Office. These schemes, designed for individuals seeking safe and reliable investment avenues, can help your money grow over time.  By implementing these money-saving tips, housewives can contribute to their family's financial well-being while managing the household with confidence and efficiency. Remember that small changes in your spending habits can lead to significant savings over time, ultimately providing greater financial security for you and your loved ones.  https://www.youtube.com/shorts/NKh7YxTo9yc Mutual Funds for Indian Moms! Mutual funds are some of the best investment options for Indian mothers. Mutual funds are: Extremely cost-effective Professionally managed by fund managers Invest in multiple companies at once Allow you to invest once or multiple times in a year You have the option to pause, stop or step your investment You can save lakhs by investing in thousands. Mutual funds opens up an investing arena that may not be cost-effective for thousands of parents out there. It allows you to invest for your child's education, marriage, and daily expenses at reasonable monthly SIPs starting at Rs. 1000. You can increase, pause and even stop your investments based on your preference. Mutual funds offer immense diversification - you can find mutual funds that invest in foreign companies, small-cap companies, large companies like HDFC, TATA consumers and become a proud shareholder by investing a small sum. Mutual funds are professionally managed which means that your money is in trusted hands. Another brilliant aspect of investing in mutual funds is that they can beat inflation. The average returns offered by mutual funds are 11-12%, which means that your money will significantly grow over the years and allow you to afford high-quality education for your kids. Join our robust WhatsApp Community that helps parents invest! This mom is using Mutual Funds to save ₹1.5 crores! https://www.youtube.com/watch?v=Vw2K_iSMj7U&t=31s Post Office Savings Schemes: A Financial Lifeline for Housewives Housewives play a pivotal role in managing the household, often juggling a multitude of responsibilities. Amidst busy life, financial stability remains a critical concern. Fortunately, Post Office Savings Schemes provide a reliable and secure avenue for housewives to grow their savings and secure their family's future.  Parenting Tips for Child Education Read More Understanding Post Office Savings Schemes  Post Office Savings Schemes are government-backed financial instruments offered by the Indian Postal Service, catering to the diverse financial needs of individuals, including housewives. These schemes are renowned for their safety, attractive interest rates, and accessibility, making them an excellent choice for those seeking to build wealth.  Popular Post Office Savings Schemes for Housewives  Post Office Savings Account: This is the most straightforward and accessible savings option. Housewives can open a Post Office Savings Account with a minimum deposit and benefit from competitive interest rates.  Public Provident Fund (PPF): It is a long-term investment scheme that offers tax benefits. Housewives can contribute regularly and build a substantial corpus over time.  Senior Citizens Savings Scheme (SCSS): While not exclusive to seniors, this scheme provides a higher interest rate and regular payouts, making it a suitable option for those seeking steady income.  Monthly Income Scheme (MIS): MIS offers a fixed monthly income, making it ideal for housewives looking for a regular source of funds to meet household expenses.  Sukanya Samriddhi Yojana (SSY): SSY is tailored for the girl child's future, allowing housewives to invest on behalf of their daughters and secure their education and marriage expenses.  Benefits of Post Office Savings Schemes for Housewives  Safety: These schemes are backed by the government, offering a high level of security for your investments.  Attractive Interest Rates: Post Office Savings Schemes typically offer competitive interest rates, ensuring your money grows steadily.  Flexibility: With a range of schemes to choose from, housewives can select the one that aligns best with their financial goals and risk tolerance.  Accessibility: Post Offices are widespread in India, making it easy for housewives to access these schemes, even in rural areas.  Tax Benefits: Some schemes, like the PPF, offer tax benefits under Section 80C of the Income Tax Act, helping housewives reduce their tax liabilities.  Tips for Housewives Using Post Office Savings Schemes  Set clear financial goals to determine which scheme suits your needs.  Regularly contribute to your chosen scheme to maximize returns.  Keep track of maturity dates to make informed decisions about reinvesting or withdrawing funds.  Consider diversifying your investments by combining multiple Post Office Savings Schemes to meet various financial objectives.  In conclusion, Post Office Savings Schemes are a financial boon for housewives, offering a safe and reliable way to save and invest their hard-earned money. By leveraging these schemes wisely, housewives can secure their family's financial future and enjoy peace of mind amid their myriad responsibilities.  Create Goals for Child Education Money Saving Tips for Indian Housewives  Managing finances can be a challenging task for Indian housewives, who often juggle multiple responsibilities while ensuring their family's well-being. Here are some unique money-saving tips tailored to the Indian context that can help housewives make the most of their resources:  1. Embrace Traditional Cooking Methods  Indian cuisine is rich and diverse, but it can also be expensive if you rely heavily on processed foods. Embrace traditional cooking methods like grinding spices at home, making your own yogurt, and preparing snacks from scratch. Not only will this save money, but it can also lead to healthier meals.  2. Practice Sustainable Living  Incorporate eco-friendly practices into your daily life. Reduce water wastage, segregate and recycle waste, and explore ways to reduce electricity consumption. Sustainable living not only benefits the environment but also lowers utility bills.  3. Grow Your Own Herbs and Vegetables  If you have some outdoor space or even a few pots and containers, consider growing your own herbs and vegetables. This not only reduces grocery expenses but also ensures fresh, chemical-free produce for your family.  4. Buy Seasonal and Local  Opt for seasonal fruits and vegetables, which are not only fresher but also more affordable. Additionally, support local farmers and markets to save money and promote sustainable agriculture.  5. Learn Basic Home Repairs  Basic home repair skills can save you a significant amount of money in the long run. From fixing leaky faucets to minor electrical repairs, knowing how to handle common household issues can prevent costly service calls.  6. Explore Government Schemes  India offers various government schemes aimed at supporting women, including housewives. Investigate programs related to financial assistance, skill development, and entrepreneurial opportunities that can boost your family's income.  7. Practice Mindful Shopping  Before making purchases, ask yourself whether you truly need the item. Avoid impulsive shopping and take advantage of sales and discounts. Additionally, consider shopping online, where you can often find better deals and cashback offers.  8. Invest Wisely  While saving is essential, consider investing your savings in financial instruments like fixed deposits, mutual funds, or government savings schemes to grow your wealth over time. To make wise selections, seek the advice of a financial expert.  9. Share Resources with Neighbours  Forming a cooperative or sharing resources with neighbors, such as carpooling for school runs or buying groceries in bulk, can lead to significant cost savings for everyone involved.  10. Teach Financial Literacy  Teach your family members about financial literacy, especially the younger members. Instil the value of money, budgeting, and saving from an early age to ensure responsible financial habits in the future.  Incorporating these unique money-saving tips into your daily life can help Indian housewives navigate their financial responsibilities more effectively. By being resourceful and adopting sustainable practices, you can contribute to your family's financial well-being and long-term prosperity.  Talk To An Expert FAQs What is the 30-day rule? The 30-day rule is a budgeting strategy that involves waiting for 30 days (about 4 and a half weeks) before making a non-essential purchase. If after a month you still want or need the item, you can buy it. This rule helps prevent impulse buying and allows for more thoughtful spending decisions. What is the 50-30-20 rule? The 50-30-20 rule is a popular budgeting guideline. It suggests allocating 50% of your income to necessities (like housing and utilities), 30% to discretionary spending (like entertainment), and 20% to savings or debt repayment. It provides a simple framework for managing your finances effectively. What is the 90-day rule? In finance, the 90-day rule refers to a strategy used in budgeting and financial planning. It involves evaluating your financial decisions and commitments over a 90-day period before making significant investments or purchases. This timeframe allows individuals to assess their cash flow, expenses, and potential financial risks more comprehensively. By adopting the 90-day rule, one can make more informed and deliberate financial choices, ultimately leading to better fiscal stability and reduced impulsive spending.
Time Management Tips for Busy Parents

Time Management Tips for Busy Parents

Balancing the roles of a parent, student, or working professional can be an overwhelming challenge. In this guide, we will explore valuable time management tips tailored specifically for busy parents. Whether you're juggling the demands of studying, exams, or work alongside your parenting responsibilities, or if you're a single parent facing unique challenges, these time management strategies will help you navigate the complexities of your busy life more effectively. What is Time Management? Time management is a crucial skill that allows individuals to efficiently allocate their time to various tasks and activities in order to achieve their goals, meet deadlines, reduce stress, and enhance productivity. For busy parents, whether they are students, working professionals, or single parents, mastering time management is essential for maintaining a healthy work-life balance and ensuring their children's well-being. Start Investing Early in Mutual Funds Key Aspects of Time Management  Setting Priorities: Time management begins with identifying and prioritizing tasks. Busy parents must determine which activities are most important and require immediate attention.  Planning and Organisation: Effective time management involves creating a clear plan or schedule. Parents can use tools like calendars or to-do lists to keep track of appointments, assignments, and family commitments.  Goal Setting: Setting specific, achievable goals helps parents stay focused and motivated. These goals can relate to personal, professional, or academic aspirations.  Delegation: Recognising that it's impossible to do everything alone, parents can delegate tasks to family members or seek support from caregivers or babysitters when necessary.  Time Tracking: Keeping track of how time is spent throughout the day can help parents identify areas where they can be more efficient and reduce time-wasting activities.  Time Management Tips for Different Parenting Scenarios Time Management Tips for Students: Parents who are students themselves must create a study schedule that aligns with their class timings and family commitments. They can also communicate their academic needs to family members for better support.  Time Management Tips for Working Parents: Balancing work and family life can be challenging. Working parents should establish boundaries between work and personal time, communicate with their employers about flexible schedules when needed, and involve children in age-appropriate household chores.  Time Management Tips for Single Parents: Single parents often bear the sole responsibility for their children. To manage their time effectively, they should seek support from their extended family or friends, utilize childcare services, and create a consistent daily routine to provide stability for their children. Start Saving with EduFund Benefits of Effective Time Management for Parents Reduced stress and anxiety.  Improved work or academic performance.  Enhanced quality time with family.  Greater personal satisfaction and well-being.  Improved role modeling for children in terms of time management skills.  Time Management Tips for Students and Exams Boosting Success and Reducing Stress Time management is a critical skill for students, especially when preparing for exams. Effective time management not only enhances academic performance but also reduces stress. Here are some valuable tips for students, along with insights into the benefits of mastering this essential skill. Time Management Tips for Students Define Your Objectives: Specify Your Academic and Personal Objectives. Knowing what you want to achieve will help you prioritize tasks and allocate time more efficiently.  Create a Schedule: Develop a daily or weekly schedule that includes study sessions, classes, breaks, and leisure time. As much as possible, adhere to your schedule.  Set a priority list for your tasks and pay attention to the most crucial and urgent ones first. Use techniques like the Eisenhower Matrix to categorize your tasks based on importance and urgency.  Use Time Blocks: Divide your study sessions into manageable time blocks (e.g., 25-30 minutes) with short breaks in between. By doing so, burnout is avoided, and attention is maintained.  Eliminate Distractions: Recognise and reduce interruptions in your study area. Turn off notifications on your devices and find a quiet, well-lit space to work.  Set Realistic Deadlines: Break down larger tasks into smaller, achievable milestones with specific deadlines. This makes studying more manageable and reduces procrastination.  Utilise Technology: Leverage productivity apps and tools like calendars, task lists, and note-taking apps to organize your schedule and track assignments. Time Management Tips for Exam Preparation Plan: Start your exam preparation well in advance to avoid last-minute cramming. A well-structured study plan increases retention and reduces stress.  Practice Active Learning: Engage actively with study materials by summarizing, asking questions, and teaching the content to others. This approach promotes deeper understanding.  Take Regular Breaks: Short, regular breaks during study sessions can enhance focus and retention. Use techniques like the Pomodoro method to incorporate breaks effectively.  Review and Self-Test: Regularly review your notes and self-test with practice questions or quizzes to gauge your progress and identify weak areas.  Invest in the US Market Benefits of Time Management Improved Academic Performance: Effective time management allows students to allocate more time to studying and assignments, resulting in better grades.  Reduced Stress and Anxiety: Proper planning and organization reduce the pressure of looming deadlines and exams, leading to decreased stress levels.  Enhanced Productivity: Time management helps students accomplish more in less time, leaving room for extracurricular activities or personal interests.  Increased Self-Discipline: Consistent time management cultivates self-discipline, which is a valuable life skill beyond academia.  Better Work-Life Balance: Balancing academics, social activities, and personal time becomes easier with effective time management, contributing to overall well-being.  Time Management Tips for Working Parents  Prioritise Tasks: Identify essential tasks at work and home and allocate time accordingly.  Delegate and Share Responsibilities: Share household duties with your partner and assign age-appropriate tasks to your children.  Use Technology: Utilise digital tools and apps to organize schedules and set reminders.  Batch Activities: Group similar tasks together to minimize context switching.  Set Boundaries: Clearly define work and family time to maintain a healthy work-life balance.  Time Management Tips for Single Parents Seek Support: Build a support network of family, friends, or childcare services.  Plan: Prepare meals and outfits in advance and establish routines.  Flexibility: Be adaptable when unexpected situations arise.  Self-Care: Allocate time for self-care and relaxation to prevent burnout.  Apply for Scholarship Programs Importance of Time Management Effective time management ensures working parents can excel in their careers while providing quality time for their families. For single parents, it helps maintain order, reduce stress, and create a nurturing environment for their children. In both cases, it fosters a healthy work-life balance and promotes overall well-being.  Why are time management skills important for parents?  Time management skills are crucial for parents for several reasons, as they play a pivotal role in balancing their responsibilities, ensuring the well-being of their children, and maintaining their own personal well-being. Here's why effective time management is essential for parents:  Balancing Multiple Roles: Parents often wear multiple hats, such as caregivers, employees, homemakers, and more. Time management helps them allocate sufficient time and attention to each role without feeling overwhelmed. Quality Family Time: Well-organised schedules enable parents to create and protect quality family time. Spending meaningful moments together fosters strong relationships and emotional bonds with their children.  Stress Reduction: Effective time management reduces the stress associated with trying to juggle numerous responsibilities. It allows parents to tackle tasks systematically and with a sense of control.  Role Modeling: Parents who practice good time management set a positive example for their children. Kids learn valuable life skills by observing their parents' ability to prioritize and manage their time effectively.  Career Success: For working parents, time management is essential for excelling in their careers. It ensures they meet deadlines, perform well at work, and can balance professional and family life.  Self-Care: Parents often neglect their own well-being due to their busy schedules. Time management allows them to carve out time for self-care, which is essential for physical and mental health.  Household Organisation: Managing a household involves various tasks, from grocery shopping to paying bills. Efficient time management ensures these chores are completed without causing chaos or last-minute rushes.  Supporting Child Development: Parents need time to engage in activities that support their children's physical, emotional, and educational development. Structured routines and schedules facilitate these activities.  Adaptability: Effective time management enables parents to adapt to unexpected situations, such as illnesses or emergencies, without compromising their responsibilities.  Personal Growth: Parents should have opportunities for personal growth and self-improvement. Good time management allows them to pursue hobbies, education, or personal goals.  Money Management Tips: 50/30/20 Rule Read More Time management strategies to increase productivity Effective time management is key to increasing productivity in both personal and professional life. The following tips will assist you in making the most of your time:  Set Specific Objectives: Identify your immediate and long-term objectives. Knowing what you want to accomplish gives you inspiration and direction.  Sort jobs into priority order by deciding which are more crucial and urgent. Focus on completing high-priority items first to prevent them from piling up.  Plan and Schedule: Create a daily or weekly schedule that includes specific time blocks for tasks and activities. As much as you can, follow your timetable.  Avoid Multitasking: Multitasking can reduce efficiency and quality. Instead, concentrate on one activity at a time to finish it more quickly.  Use Time Management Tools: Utilise productivity apps, calendars, and to-do lists to organize your tasks and deadlines.  Set Time Limits: Give each task a certain amount of time to finish. This encourages you to work efficiently and avoid overthinking or procrastination.  Eliminate Distractions: Identify common distractions and minimize them. Make a quiet workstation, disable notifications, and remove any unwanted tabs on your computer.  Take Breaks: Regular short breaks during work can improve focus and prevent burnout. The Pomodoro technique, which involves working for 25 minutes and then taking a 5-minute break, is one effective method.  Delegate and Outsource: If possible, delegate tasks to others or consider outsourcing tasks that are not your strengths.  Review and Adjust: Regularly assess your time management techniques and make any necessary adjustments. Learn from your experiences to become more efficient over time.  Learn to Say No: Don't overcommit yourself. Politely decline tasks or projects that you don't have the capacity to handle.  Practice Self-Care: Maintain a healthy work-life balance by prioritizing self-care activities such as exercise, relaxation, and spending time with loved ones.  By implementing these time management strategies, you can enhance your productivity, reduce stress, and achieve your goals more efficiently, whether in your personal life or at work.  FAQs How can I improve my time management skills? To enhance time management, set clear goals, prioritize tasks, create schedules, avoid multitasking, and eliminate distractions. Regularly review and adjust your strategies. Why is time management important in the workplace? Time management boosts productivity, reduces stress, and ensures timely project completion. It also enhances work-life balance and fosters a more efficient and organized work environment.  What is the Pomodoro Technique?  The Pomodoro Technique is a time management method that involves working for 25 minutes and then taking a 5-minute break. After four cycles, take a longer break. This approach improves focus and productivity.
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