It is important to be debt-free. Having to pay EMIs when your income stops is like retiring with a millstone around your neck. By no stretch can you call it independence. Plan your independence day such that you repay your debts by then. A lot of forethought goes into spending only as much as you can afford. Hence, the need to borrow would be limited. … [Read more...] about How much money do you really need to be financially independent?
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"The policy is bringing wishful thinking that six per cent of GDP should be implemented. If we do not have a plan to implement what has been proposed, then words are just words. I have raised multiple times that there should be a law mandating the states as well as the central government about a fixed GDP percentage allocation for education, but even the policy fails to address to that,” Sisodia said. … [Read more...] about NEP’s proposal to make board exams easy will not address issue of rote learning: Manish Sisodia
Health plans usually have sub-limits for every expenditure (e.g. a limit on ambulance costs, room rent costs, etc.). Look for a policy with higher sub-limits, or preferably, no sub-limits on individual expenses. Some health plans require you to pay a specific amount in case of hospitalisation. Check this clause to understand how much you need to set aside for this. Read through the exclusions (illnesses that are not covered by the policy) to be aware of the costs of illnesses you will need to bear. Purchase a separate health plan for your elderly family members since insurance companies usually levy certain restrictions on coverage for seniors. … [Read more...] about 3 critical steps to take before you start investing
The Angel Syndicate, “a six-month program and giving circle for Black leaders looking to build our skills, relationships, identities, and collective power as education philanthropists,” as CEO, Hassan Hassan, wrote in a post on LinkedIn. The goal, high level, is to actively help Black leaders—who may otherwise be unlikely philanthropists—flip oppressive philanthropic conventions on their face and not only obtain a seat at the table, but learn how to navigate the conversations that take place there. … [Read more...] about How the philanthropy world should use this moment to actually help Black people
That’s one reason Ariella Steinhorn, the founder of Lioness, partnered with White to help educate workers on the potential risks and the extent to which their NDA could be enforced. “People sign these contracts, and they seem very legally scary,” she says. “The lawyers will say, ‘These are the ramifications should the employers choose to enforce it.’ But what we’re seeing in the submissions we’re getting is that people still feel the desire to speak, no matter what.” That doesn’t always mean publicly disclosing allegations on social media or speaking to a reporter, as Steinhorn points out. “There’s a whisper network that’s still really alive and well—people just talking amongst one another, and people posting on Glassdoor,” she says. … [Read more...] about ‘How much is my silence worth?’: Amid a racial reckoning, women are rejecting NDAs