Five interesting Phrases

  1. Under Your NoseMeaning: Missing something that should be really obvious.
  2. It’s Not Brain SurgeryMeaning: A task that’s easy to accomplish, a thing lacking complexity.
  3. Lickety SplitMeaning: To go at a quick pace; no delaying!
  4. Between a Rock and a Hard PlaceMeaning: Being faced with two difficult choices.
  5. Elvis Has Left The BuildingMeaning: Something that is all over.

WhatsApp University Gyan: Personal Finance rules


Rule of 72 (Double Your Money)
Rule of 114 (Triple)
Rule of 144 (Quadruple)
Rule of 70 (Inflation)
4% Withdrawal Rule
100 – Minus Age Rule
10, 5, 3 Rule
50-30-20 Rule
3X Emergency Rule
40℅ EMI Rule
Life Insurance Rule

Rule of 72

No. of yrs required to double your money at a given rate, U just divide 72 by interest rate
Eg, if you want to know how long it will take to double your money at 8% interest, divide 72 by 8 and get 9 yrs

At 6% rate, it will take 12 yrs
At 9% rate, it will take 8 yrs

Rule of 114

No. of years required to triple your money at a given rate, U just divide 114 by interest rate.

For example, if you want to know how long it will take to triple your money at 12% interest, divide 114 by 12 and get 9.5 years

At 6% interest rate, it will take 19yrs

Rule of 144

No. of years required to quadruple your money at a given rate, U just divide 144 by interest rate.

For eg, if you want to know how long it will take to quadruple your money at 12% interest, divide 144 by 12 and get 12 yrs.

At 6% interest rate, it will take 24yrs

Rule of 70

Divide 70 by current inflation rate to know how fast the value of your investment will get reduced to half its present value. 

Inflation rate of 7% will reduce the value of your money to half in 10 years.

4% Rule for Financial Freedom

Corpus Reqd- 25*Annual Expenses

Eg- annual expense is 500,000 then corpus required to retire is 1.25 cr.

Put 50% into fixed income & 50% into equity.

Withdraw 4% every yr, i.e.5 lac.

This rule works for 96% of time in 30 yr period

100 minus your age rule

This rule is used for asset allocation. Subtract your age from 100 to find out, how much of your portfolio should be allocated to equities

Age 30

Equity : 70%
Debt : 30%

Age 60

Equity : 40%
Debt : 60%

10-5-3 Rule

One should have reasonable returns expectations

10℅ Rate of return – Equity / Mutual Funds
5℅ – Debts ( Fixed Deposits or Other Debt instruments)
3℅ – Savings Account

50-30-20 Rule – Allocation

Divide your income into
50℅ – Needs – Groceries, rent, emi
30℅ – Wants – Entertainment, vacations, etc
20℅ – Savings – Equity, MFs, Debt, FD, etc

Atleast try to save 20℅ of your income.
You can definitely save more

3X Emergency Rule

Always put atleast 3 times your monthly income in Emergency funds for emergencies such as Loss of employment, medical emergency, etc.

3 X Monthly Income

You can have around 6 X Monthly Income to be on a safer side

40℅ EMI Rule

Never go beyond 40℅ of your income into EMIs.

Say you earn, 50,000 per month. So you should not have EMIs more than 20,000 .

This Rule is generally used by Finance companies to provide loans. You can use it to manage your finances.

Life Insurance Rule

Always have Sum Assured as 20 times of your Annual Income

20 X Annual Income

Say you earn 5 Lacs annually, u shud atleast have 1 crore insurance by following this Rule


OsculateAHS-kyoo-leytPart of speech: verbOrigin: Latin, mid 17th century
1(formal or humorous) kiss.
Examples of Osculate in a sentence “The ocean and sky were so blue that it was difficult to discern where they osculated on the horizon.” “Many cultures greet each other by osculating their companions’ cheeks.”

Fun days – June 2021: 

Fun days , June 2021

Donald Duck Day – 9 June 

World Gin Day – 12 June 

International Falafel Day – 12 June 

International Bath Day – 14 June 

International Picnic Day – 18 June 

International Sushi Day – 18 June 

World Productivity Day – 20 June 

World Motorcycle Day – 21 June 

World Giraffe Day – 21 June 

Global Beatles Day – 25 June 

International Body Piercing Day – 28 June 

International Mud Day – 29 June 

Content marketing ideas:     

  • Listicle idea: X Tips to take care of your motorcycle 
  • Infographic idea: X Bath accessories you must-have for a relaxing shower
  • Video idea: How is gin made?
  • Podcast idea: How did the Beatles influence rock music? 

Fun days – June 2021: 

Fun days , June 2021

Donald Duck Day – 9 June 

World Gin Day – 12 June 

International Falafel Day – 12 June 

International Bath Day – 14 June 

International Picnic Day – 18 June 

International Sushi Day – 18 June 

World Productivity Day – 20 June 

World Motorcycle Day – 21 June 

World Giraffe Day – 21 June 

Global Beatles Day – 25 June 

International Body Piercing Day – 28 June 

International Mud Day – 29 June 

Content marketing ideas:     

  • Listicle idea: X Tips to take care of your motorcycle 
  • Infographic idea: X Bath accessories you must-have for a relaxing shower
  • Video idea: How is gin made?
  • Podcast idea: How did the Beatles influence rock music? 

Birthday – June 2021:  

June 2021 – Scatter Monthly Calendar


June 2021, Content Calendar

What’s happening in June 2021?

Non-ISI helmets to be banned from 1 June  2021

Content marketing ideas:     

  • Listicle idea: X Best ISI-approved helmet brands in India
  • Infographic idea: What should one look for while buying a helmet? 
  • Video idea: X Traffic rules that India can learn from other countries  
  • Podcast idea: Are fines enough to keep people from breaking traffic rules? 


Government to implement mandatory gold hallmarking from 1 June 2021

Content marketing ideas:     

  • Listicle idea: Why should you buy hallmarked jewelry?  
  • Infographic idea: How do you know if your jewelry is hallmarked? 
  • Video idea: What is gold hallmarking and why is it important? 
  • Podcast idea: How does gold hallmarking encourage legal gold transactions? 

IT Department extends deadline to link PAN and Aadhaar to 30 June 2021

Content marketing ideas:     

  • Listicle idea: X Apps to store your documents in 
  • Infographic idea: Steps to link your PAN with Aadhaar 
  • Video idea: How has the Aadhaar card become so important in such a short period of time? 
  • Podcast idea: What could happen if you don’t link your PAN and Aadhaar? 

Euro June 2021 – 11 June – 11 July

Queue in Europe

Content marketing ideas:     

  • Listicle idea: How has the Euro 2021 changed due to COVID-19? 
  • Infographic idea: Who are the top contenders for the Euro 2021? 
  • Video idea: X best moments from previous UEFA Euro tournaments 
  • Podcast idea: Is having a video assistant referee (VAR) at the tournament a good idea? 

Fixed days – June 2021: 

Global Day of Parents – 1 June 

This day is celebrated to appreciate all parents for their selfless commitment and lifelong sacrifice to nurture their relationship with children. 

Content marketing ideas:     

  • Listicle idea: These superb parenting tips can make life easy for new parents  
  • Infographic idea: X Apps you can install to make your parents’ lives easier 
  • Video idea: X Best web series you can enjoy with your parents  
  • Podcast idea: How can adoptive parents face their challenges? 

World Milk Day – 1 June 

This day was established by the Food and Agriculture Organization of the United Nations to recognize the importance of milk as a global food. 

Content marketing ideas:     

  • Listicle idea: X Fun ways to encourage your child to drink milk  
  • Infographic idea: Around the world with X milk-based desserts  
  • Video idea: How can you make milk from nuts at home? 
  • Podcast idea: What you need to know before going on a dairy-free diet 

Brand campaign that worked: 

This ad by Amul shows how pure a mother’s love is – as pure as Amul milk. 

World Bicycle Day – 3 June 

This day aims to acknowledge the bicycle as a sustainable, reliable and affordable method of transportation, fostering environmental stewardship and health. 

Content marketing ideas:     

  • Listicle idea: X Tips to keep in mind to prevent knee pain while cycling  
  • Infographic idea: Head to these cycle-friendly cities for an epic adventure  
  • Video idea: The increased popularity of cycling during COVID-19 
  • Podcast idea: Everything you need to know about the world of competitive cycling  

International Day of Innocent Children Victims of Aggression – 4 June 

This day is commemorated to recognize the pain of children who have been victims of physical, emotional, and mental abuse. 

Content marketing ideas:     

  • Listicle idea: These therapy approaches can help your child cope with trauma  
  • Infographic idea: X Signs that your child needs to talk to a professional counselor 
  • Video idea: How can PTSD in children affect their lives as adults? 
  • Podcast idea: How to support a partner with childhood trauma  

World Environment Day – 5 June 

This day aims to engage governments, businesses, and citizens to focus their efforts on pressing environmental issues. 

Content marketing ideas:     

  • Listicle idea: How can businesses be more eco-friendly? 
  • Infographic idea: These young minds are leading the way for environmental conservation  
  • Video idea: Surprising environmental benefits of making these easy switches in daily life 
  • Podcast idea: How sustainable is ecotourism? 

Brand campaign that worked: 

This video by Apple shows them promising a newborn child to build sustainable manufacturing process to make sure her future is safer and better. 

International Day for the Fight against Illegal, Unreported, and Unregulated Fishing – 5 June 

International Day for the Fight against Illegal, Unreported and Unregulated Fishing

This day seeks to bring to light the effect that illegal, unregulated, and unreported fishing has on fisheries and a way to practice sustainable fishing. 

Content marketing ideas:     

  • Listicle idea: Can aquaculture reverse the effects of overfishing?  
  • Infographic idea: These countries are leading the race in establishing sustainable fisheries  
  • Video idea: X Ways to ensure your seafood is sustainable 
  • Podcast idea: Is a pescatarian diet healthy for the environment? 

World Food Safety Day – 7 June 

This day is marked to draw attention and inspire action to help prevent, detect, and manage food-borne risks. 

Content marketing ideas:     

  • Listicle idea: X Fatal diseases that can arise due to contaminated food 
  • Infographic idea: X Signs that your food has gone bad 
  • Video idea: How has technology helped food stay safe for longer? 
  • Podcast idea: Is expired food really harmful? 

World Oceans Day – 8 June 

This day is celebrated to bring attention to the role that oceans play in our everyday lives and inform the public about the impact of human actions on the ocean. 

Content marketing ideas:     

  • Listicle idea: X Everyday products that are damaging the oceans 
  • Infographic idea: How have human actions destroyed coral reefs?  
  • Video idea: What is ocean acidification and how we stop it?  
  • Podcast idea: Is banning straws enough to save our oceans? 

Brand campaign that worked: 

This ad by Conservation International gives the voice of Harrison Ford to the oceans to describe its beauty and mysteries. 

World Brain Tumor Day – 8 June 

This day is celebrated to raise awareness among people about brain tumors. 

Content marketing ideas:     

  • Listicle idea: Common types of brain tumor you should know about 
  • Infographic idea: X Tips to get though an MRI if you’re claustrophobic 
  • Video idea: How does fluorescence play a big role in brain surgery? 
  • Podcast idea: Here’s how you can care for a paralyzed loved one at home   

Lessons learned the hard way – Seth Godin.

 Lessons learned the hard way [ ]

It will be a long time before I spell “handkerchief” incorrectly. That’s because in third grade, I lost the entry round of the spelling bee to my friend Elisa because I got it wrong. Who knew that there was a “d”?

And now I know where I keep the thermos in my house. I spent twenty minutes looking for it the other day, and failed. A few days later, I came across it. Because of the previous challenge of missing it, my brain was on high alert when it finally appeared.

That’s how we learn most of the foundational things that we know, remember and care about–not through exposure, but through effort and failure.

That’s why tests aren’t nearly as useful as projects. Just about anything worth learning is worth learning the hard way.

Did you know….

Did you know…

… that today is Big Ball Lightning Day? Normally the size of a bowling ball, ball lightning is a sphere of glowing light that strikes during thunderstorms. In 1977, a ball of lightning the size of a bus bounded down a hillside in Wales, the largest sized ball of lightning ever to be recorded at that time. Great balls of fire! 😉


Today’s Inspirational Quote:

“If you want to be successful, find someone who has achieved the results you want and copy what they do and you’ll achieve the same results.”

— Tony Robbins

10 Quotes That Reveal the Remarkable Mind of Albert Einstein

10 Quotes That Reveal the Remarkable Mind of Albert Einstein

Albert Einstein was born in Ulm, Germany, in 1879. At the time, the Einstein family owned an electrical firm that manufactured dynamos and electrical meters. His father wanted Albert to pursue a career in electrical engineering, but young Albert had a rebellious side and never much enjoyed formal learning. He preferred to teach himself, whether it was science or philosophy or music. And that worked out fine for Einstein, who went on to become one of the greatest physicists of all time. ‌‌

In 1905, a year now known as his annus mirabilis (miracle year), Einstein published four revolutionary scientific papers while still working at the patent office in Bern, Switzerland. Among them he outlined the theory of the photoelectric effect, introduced special relativity, and described the principle of the mass-energy equivalence, the latter now associated with the world’s most famous equation: E=mc2. He was later awarded the Nobel Prize in Physics, in 1921. ‌‌

Beyond his scientific genius, Albert Einstein was a complex and colorful figure. He loved music almost as much as physics, his love life was active (and not always honorable), and his political views attracted the attention of the FBI. He also didn’t shy away from talking and writing about a wide range of subjects, leaving behind a trove of quotes that give us a fascinating insight into this unique character.


Bear in mind that the wonderful things you learn in your schools are the work of many generations. All this is put in your hands as your inheritance in order that you may receive it, honor it, add to it, and one day faithfully hand it on to your children.

Einstein was an above-average student in many areas, but he especially excelled at mathematics. At 12 years old, he was given a book of geometry that he later called his “sacred little geometry book.” During a single summer, he used the book to teach himself algebra, calculus, and geometry. At 13, he became fascinated with philosophy. He was particularly interested in the philosopher Immanuel Kant and his book Critique of Pure Reason.


If I were not a physicist, I would probably be a musician. I often think in music. I live my daydreams in music. I see my life in terms of music… I get most joy in life out of music.

Einstein began playing the violin at the age of five or six, but gave up lessons in his early teens because he found them boring and mechanical. Instead, he began teaching himself. At 13, he discovered the violin sonatas of Mozart and fell in love with them. This changed the way he practiced and studied music, through passion rather than systematic learning. He later said, in regards to learning the violin, that “love is a better teacher than a sense of duty.” Einstein went on to become an accomplished musician.


I am enough of the artist to draw freely upon my imagination. Imagination is more important than knowledge. Knowledge is limited. Imagination encircles the world.

For Einstein, imagination and curiosity were fundamental to understanding and intelligence. In a letter to his biographer Carl Seelig, Einstein famously wrote, “I have no special talent, but am only passionately curious.”


I must love someone, otherwise it is a miserable existence. And that someone is you.

Einstein married twice, first to Mileva Marić from 1903 to 1919, during which time they had a daughter and two sons. While still married to Marić, he fell in love with his cousin Elsa Löwenthal. He divorced Marić, and married Löwenthal in 1919. They were together until her death in 1936, and it was to her that Einstein wrote the above quote. Einstein’s extramarital affairs were well known, in part because he didn’t do much to hide them. But he was aware of his weaknesses. He once wrote in a letter to the son of a friend who died, “What I admire in your father is that, for his whole life, he stayed with only one woman. This is a project in which I grossly failed, twice.”


Quantum mechanics is certainly imposing. But an inner voice tells me that it is not yet the real thing. The theory says a lot, but does not really bring us any closer to the secret of the Old One. I, at any rate, am convinced that He does not throw dice.

These words, written by Einstein in a letter to German physicist Max Born, are the source of the famous but much misunderstood — and misquoted — “God does not play dice with the universe.” They are a prime example of how people have tried to pin down Einstein’s religious beliefs, even when he was talking metaphorically about quantum mechanics. Raised Jewish, Einstein was religious as a boy but later called himself an agnostic and said he didn’t believe in an afterlife. Perhaps most telling, however, was a letter he wrote in 1954 (a year before his death), in which he revealed, “The word God is for me nothing more than the expression and product of human weaknesses, the Bible a collection of honorable, but still primitive legends which are nevertheless pretty childish. No interpretation no matter how subtle can (for me) change this.”


I have never had a particularly favorable opinion of the Germans (morally and politically speaking), but I must confess that the degree of their brutality and cowardice came as something of a surprise to me.

In 1933, Einstein went into exile, abandoning his homeland of Germany following the rise of the Nazis under Adolf Hitler. Einstein became increasingly outspoken about the regime, rallying against Hitler and, to some extent, putting aside his deeply held pacifism in the face of the growing threat. “I should not, in the present circumstances, refuse military service,” he said at the time. “Rather I should enter such service cheerfully in the belief that I would thereby be helping to save European civilization.”


What strikes a visitor is the joyous, positive attitude to life… The American is friendly, self-confident, optimistic, and without envy.

Einstein renounced his German citizenship after the rise of the Nazis. He moved to the United States and became an American citizen in 1940. Einstein had a positive outlook regarding his adopted home, but considered racism America’s “worst disease,” further saying that “Being a Jew myself, perhaps I can understand and empathize with how Black people feel as victims of discrimination.”


Unthinking respect for authority is the greatest enemy of truth.

Einstein wasn’t shy about expressing his political views. He was an outspoken critic of racism and nationalism, a pacifist, and critical of capitalism and in favor of socialism. When Einstein moved to America, it didn’t take long before he was on the radar of J. Edgar Hoover, who called the physicist “an extreme radical.” By the time of Einstein’s death, the FBI file on him was 1,427 pages long.


I made one great mistake in my life — when I signed the letter to President Roosevelt recommending that atom bombs be made. But there was some justification — the danger that the Germans would make them.

Einstein was a lifelong pacifist, but the rise of Nazi Germany tested his beliefs. He later said that in some circumstances, “force was appropriate — namely, in the face of an enemy unconditionally bent on destroying me and my people.” Still, he forever regretted his involvement in the development of the atom bomb.


I want to go when I want. It is tasteless to prolong life artificially. I have done my share; it is time to go. I will do it elegantly.

Einstein died on April 18, 1955, aged 76, from an abdominal aortic aneurysm. The previous day, he had been working on a speech to honor Israel’s seventh anniversary. He was taken to hospital but refused surgery, feeling that his time had come. ‌‌

Photo credit: tokeller/ Unsplash