Moss Agate – the stone of new beginnings


Hey there! Thanks for dropping by. Welcome to this interesting blog. Here, I share a lot of things about a lot of things. If you’re here for the first time, please bear with me. I can’t help but put out this introductory note in my article.

Wait. Don’t leave yet.

You’re going to get what you came here for. In this article, I’m going to share a few things about a semi-precious gem called Moss Agate and its uses in our life. So, stay around to find out more.

Moss Agates are popular worldwide for their amazing healing powers.  Each moss agate is a living organism whose energies and properties surround us and offer amazing healing.


The human body is also made up of various parts each with its own vibration and energy.  When these energies are blocked or low we can feel we like we are depressed which can lead to illness and stress.  Healing moss agates can be used to balance out this energy.

Perhaps you have purchased or been given some moss agates but you are unsure what to do with them.  Here are some ideas to get you started.

  • Place a moss agate in your garden and you’ll find your plants to increase their fertility as well as production.
  • Place them in rooms where you need protection or love. A Green Moss Agate placed around a room helps protect those rooms from dark energies brought in from outside.
  • Some moss agates are ideal for helping you get your creative juices flowing. If you are experiencing mental blocks wear or hold a red moss agate to open your mind to new ideas.
  • The throat chakra is blue and therefore using a blue moss agate is the ideal way to open up this chakra and allow communications to flow.  If you are having difficulties with communicating, wear or carry a piece blue moss agate. Use it to boost self-confidence when speaking publically or when you need to speak up for yourself or explain things clearly.  The best benefit will be achieved if you wear a blue moss agate close to your throat.

One more thing, when choosing a moss agate, pick one you are drawn to even if you think from reading the properties of the crystal that you don’t need it.  Also don’t be upset if you lose a moss agate, it may be that you don’t need it right now.  It will turn up when you need it again.

If you have an overwhelming desire to buy someone a particular moss agate as a gift, do it.  There is probably a good reason for it.

I really hope you found this post useful and informative. Do you have any queries or suggestions related to this post? If you have any, feel free to leave your thoughts and opinions in the comment section below. I will try and answer all your questions and take your feedback into consideration. If you want more information about Moss Agate you can visit

Difference Between SIP, SWP, and STP


Though all the terms are related to each other they are completely different when it comes to their meaning and applicability. Each term reflects some sort of function which is different from each other but despite being different from each other they all are related to each other in some manner. To understand the concept, applicability, and meaning of these three terms read out the detailed information of these three terms.


A systematic investment plan (SIP) enables you to pick a fixed measure of cash to contribute on a fixed date each month, for a specific period in a mutual fund conspire. The sum is auto-charged from your record on that date and is put resources into the predetermined plan. You can contribute as low as 100. A SIP independent from anyone else doesn’t convey any charges. Nonetheless, resource the board organizations charge cost proportions for dealing with your cash. For value funds, the cost proportion is 1.5-2.5% per annum (dad) and for obligation funds, it is in the scope of 0.5-1% dad. Taste is most appropriate for teaching the propensity for standard investment funds for long haul objectives and functions admirably for salaried people. 


SWP is utilized to make repeated withdrawals from your mutual fund investments. “A fixed measure of cash is pulled back from your investments on a fixed date and is saved in your ledger connected to the investments. You can begin an SWP if the base investment balance in your mutual fund is 25,000. You initially need to put a singular amount in a mutual fund plan and set a withdrawal command of a fixed sum from that investment. You can pull back the sum from your investments either month to month or quarterly. Your current investment continues creating returns. It works when you don’t have a customary wellspring of pay. SWP can be utilized to make a month to month pension from your retirement corpus. 

SWP is getting very common these days as it is tax-efficient and many people use online calculators to Calculate SWP to check the amount of withdrawal per month of their investment. 


You can consider STP as a mix of SWP and SIP. On the off chance that you have your reserve funds in a singular amount and would prefer not to enter the business sectors in a jiffy, at that point STP is a decent choice for you. STP includes offering to agree to a mutual fund to intermittently pull back a specific sum or recover certain units and put the returns in another plan of a similar fund house. For the most part, speculators park their singular amount sum in a fluid fund and register an STP to a value fund of that plan. The mutual fund that you eventually transfer your cash to ought to be from the equivalent mutual fund house. The base STP sum relies upon the fund plan and fund. It can begin from 1,000 and has no particular furthest utmost.

Key Features of the Monthly Income Scheme – Reasons To Opt This Scheme


The Post Office Monthly Income Scheme (POMIS) is a Government of India sponsored little savings to conspire that permits the financial specialist (s) to save (spare) a particular sum each month. In this way, interest is added to this investment at the material rate and paid out to the depositor(s) on a month to month premise. If you have any monthly income scheme currently and you want to review your monthly income amount per month on the maturity of your investment, you can try the MIS Calculator tool to take a look at the amount you must be received at the time of maturity.

Key Features of Post Office Monthly Income Scheme: 

The development time frame for the Monthly Income Scheme is 5 years. In this way, the client ought to in a perfect world pull back the sum after this length. Toward the end of the term, the client will get every one of the assets that were put resources into the plan. He/she will likewise get the advantage of the fixed month to month salary for the total term. 

On the off chance that the client is constrained to pull back the assets before 5 years, the accompanying advantages will be payable: 


  • Deposit withdrawal inside 1 year – The client gets no advantages. 


  • Deposit withdrawal somewhere in the range of 1 and 3 years – The client gets the whole deposit after an ostensible finding of 2% as punishment. 


  • Deposit withdrawal following 3 years – The client gets the whole deposit after an ostensible finding of 1% as punishment. 


Other critical highlights of the plan incorporate the accompanying: 


  • The investment is totally hazard-free. 


  • The client can decide to select another person to get the advantages in case of his/her deplorable demise. 


  • The plan gives the choice of a common deposit into which the assets can be moved. 


  • Indeed, even minors can put resources into POMIS. 


  • The POMIS account can be moved to start with one post office then onto the next, completely liberated from cost. 


  • For each deposit the client makes at the post office, a different account should be opened. The bit of leeway here is that one individual can open various accounts, up to the most extreme conceivable account balance utmost of Rs.4.5 lakh. This is the aggregate sum that can be contributed by the client, including his/her offer in every shared service. 


  • The development sum that is gotten toward the end of the investment term can be reinvested in POMIS. 


  • There is no Tax Deduction at Source (TDS) for this plan. Be that as it may, the interest earned through the investment in the plan are taxable. 


  • The sum that is put resources into POMIS isn’t qualified for tax discounts under Section 80C of the Income Tax Act, 1961. 


  • The account can be opened by a check or money. On the off chance that the client decides to give the underlying installment through a check, the date of acknowledgment of the check-in the Government account will be the date of opening of the client’s account. 


  • A shared service can be opened by a few grown-ups. All the account holders in the shared service have an equivalent offer. A solitary account can be changed over to a shared service if necessary. The turn around is additionally conceivable.

Gaming – the best way to spend time of the internet


There are several ways to spend time on the internet. One of the most favored ways to spend some time online is to play free online multiplayer games. This is a great way to play and enjoy some time with like-minded people. There is a whole host of games that you can play online from very sedate word games to very exciting fast-moving fantasy games. Finding these types of games is easy because they are widely available.

The internet is filled with games like these. There are plenty of websites that are dedicated to bringing people together to play these games in an atmosphere that forges friendly competition. You can play poker with someone halfway around the world. There are fantasy games that involve thousands sometimes millions of people. There are well-known arcade games that have multiplayer features.


All you need is a computer and an internet connection to find the games of your choice. You simply login online and go to any search engine type in the game that you are looking for and there will be pages of results available for you to choose from. You might have to search a little bit to find a website that will offer the games for free.

Some offer a free trial period for the games of your choice and some offer free online multiplayer games, with a bit of diligence and research you will be able to weed out which will work best for you. The free trials are a good opportunity to check out the games you think you might want to purchase a subscription to, but if the goal is free than avoid this because you might get sucked in and falling so in love with the experience that you will be willing to shell out whatever it takes to keep playing.

One of the well-liked online games around the globe is League of Legends. But, you will have to have certain system requirements fulfilled on your computer in order to completely experience all the bells and whistles of this game. A good amount of memory and a good video card is important, as well as audio. Along with these, you also need to have a LOL ping checker on your computer. Now, the LOL ping checker is a tool that identifies the server that will give you the best ping rate in the League of Legends game. To fully enjoy all the effects of this game it is strongly recommended that you also have several other things installed on your system. Things like a video camera, microphone and headset will enhance your experience of playing with other people.

Free multiplayer games online are not only a great way to have fun but it is also a great way to meet new people and to learn about other people’s culture. It is great fun to play with people so far away! The best part is the cost. It is free, everyone can afford free.

Hair Straighteners


Hair straighteners you can use

A lot of women straighten their hair on a daily basis, while others do it only once a week or for special occasions. Although curly hair looks amazing, it’s a lot harder to arrange it at home. Straight hair, on the other hand, looks stylish and elegant and you can arrange it in many ways on your own. Those are the main reasons why women choose to straighten their hair. Of course, they need some good quality hair straighteners. There are two important types of hair straighteners: chemicals straighteners (substances that are applied directly on the hair and change the hair structure for a longer period of time) and hair straightening irons (they use heat to straighten the hair for a while, generally until the hair is washed or gets wet).


Things to check before applying Chemical hair straighteners

If you decide you want straight hair, you should go to a hair salon and have the procedure done by a hair care professional. Choose a reliable salon, in order to make sure that the technical procedure of chemically straightening your hair is done correctly. If you’re doing for the first time, the hair care professional will test the chemicals first on a small portion of hair, to prevent allergic reactions. You need to realize that such treatments are aggressive for your hair. Thus, you should limit the chemical straightening of your hair to just once or twice each year. Also, after the chemical straightening of your hair, you should be using shampoos and conditioners with hydrating, emollient properties. Ask your hair care professional about the right hair cleaning products. If you also want to color your hair, make sure you pick a good quality, gentle hair dye.

Things you need to check when shopping for hair straightening irons

If you prefer to straight your hair at home, using hair irons, you need to be very careful not to burn your hair. Buy a very good quality, reliable straightening iron brand, from well-known manufacturers. You should check with your hair care professional and read some customer reviews before deciding on a certain product. Also, you need to know your hair very well, if you intend to use straightening irons on a regular basis. The iron heats your hair and break down hair’s hydrogen bonds, responsible for curls. Thus, your hair becomes straight. Still, there is only a small step between shiny, healthy, elegant straight hair and burned hair. Not all hair types can take the same amount of heat – some get burn very easily. You should test the hair iron on just a small lock of hair and see how it looks, before straightening all your hair. Also, using the iron each and every morning is really not healthy for your hair. Even if you love the way your freshly straightened hair looks, try to limit the use of the iron to once or twice every week. Make sure you never use it on wet hair.

If you want to get help selecting the best hair straightener visit where you can find reviews on various hair straightening products.

The Best Board Games of all times


One of the classic ways of having fun and getting to know each other is by means of bonding through board games. These games are simple, fun and easy to work with, which makes them a very effective medium of simple fun. And here are some board games that have stood the test of time. From childhood to being adults, it is, as they say, some things never get old. These board games are proof of that.


Who hasn’t played this word game? Spelling and vocabulary go hand in hand in winning scrabble. And of course, there is that challenge of making your way towards the triple word score. It’s not a time-oriented game so by all means, you can formulate the best word you can get out of your mind. This game made it to the list because it tickles your mind when you think about which words can give you the best score. Now, that’s learning while having fun.



The Survival of the fittest is what comes to mind when Monopoly is put into the equation. Have you ever been in the business of acquiring and selling? The real world can be quite a challenge to tackle and Monopoly exemplifies that perfectly. Sometimes you go home as the winner, but there are also instances when you re evicted ad you end up with nothing. It’s a matter of strategizing and analyzing the possibilities of each decision. This is why Monopoly is a game for the competitive.

Tic Tac Toe

This is a classic game famous all around the world and played on from centuries ago. It is one of my favorite games from childhood. It helps you to increase your logical thinking, the ability of planning strategies, concentration, and motor skills. Not many people know that we can play tic tac toe online also. There are websites like that provide you a platform to play tic tac toe online.


Now for those who love strategy, this game is your top choice. As the name suggests, Battleship is both a guessing and strategy game. You’ll have to find the best positions in order to shoot down and conquer the other player’s ships. In short, outwitting your opponent is the way to go. This game might target an older set of players, but nevertheless, it has grown into a classic board game that everyone can enjoy.


And who could forget about the infamous chess game? Protect the king! This game is one of the most famous board games. It makes you think and it also boasts of some strategy making along the way. You won’t win in chess if your moves are not calculated. Some may say that this game is quite the boring one, but there are people who would disagree with that notion. Players of chess might not make so much noise as they play, but that doesn’t stop them from actually enjoying what the game has to offer.


Qualities Of A Good Friend


You may have two similarly great mates who are not quite the same as one another in many regards. Nonetheless, by far, most of the great friendships include specific center attributes that lead to a supported and familiar feeling of compassion, solace, love, and understanding. 

Which of these seven attributes do you find in your companions, and which do you figure you could remain to have a higher amount of in your life? If you are good friends with someone, you can try to test your friendship by visiting and test your friendship based on some interesting questions and situations. 

1.Fair & Honest

Among the attributes of the closest companion, trustworthiness is effectively one of the most noteworthy. Your mates should always be honest and fair with you rather than telling lies to keep you happy for a short period.

For instance, they ought to be transparent with regards to dialogs about clothes, sentiments, openings for work, and how you run over to other people. 


Extraordinary companions are tolerating, in any event, when their lives separate from your own. They will understand that your decisions are your own, and see that what’s appropriate for them isn’t suitable for you. 

Thus, for instance, they won’t attempt to make you change what you look like, force you to do things that make you awkward, or battle with you when you uncover you have an alternate view about something. It’s okay for them to challenge you and urge you to say all the more regarding your qualities, yet this ought to consistently be done impartially, and it shouldn’t be finished to change what your identity is. 


It would be best if you had mates who make you feel sure about what your identity is, not individuals who actuate self-question. 

Without a doubt, a non-critical methodology is likewise one of the attributes of a decent individual all the more by and large. Your companions ought to hear you out and give a valiant effort to place themselves from your perspective, regardless of whether it implies attempting to identify with an altogether different conviction framework. 


Dedication is, without a doubt, one of the most vital aspects of a lovely friend. You have to realize that this individual will stay close by regardless and that their promise to you isn’t whimsical. 

The absolute best companions will enable you to out when you’re battling, regardless of whether it’s with cash, love, psychological wellness challenges, or something different altogether. 


Shared regard is one of the most dominant characteristics of a decent kinship, and an absence of it is a good admonition sign that you’re going into a dangerous dynamic. 

Also, they should frame conclusions about you for themselves as opposed to tuning in to nonsense. Further, by and by, in case you’re conversing with a companion who is revealing to you individuals’ private concern, all things considered, they’re utilizing your insider facts as conservational cash in their visits with others.

All these qualities can describe how your friend is and how long your friendship will go to work in the future. 

How to use PayPal for your business


PayPal is a huge platform, everyone uses it. But, not everyone knows how it works. So, today we’re going top go through the steps on how PayPal works and functions for your business.

So, PayPal has been around for a long time and if you’re not using it for small business, I highly recommend that you do. It’s an easy platform to send and receive money. You know, PayPal was a forerunner to what we currently know as cryptocurrency. It’s not cryptocurrency, don’t get confused, but it functions in a similar way. 

So let me just walk you through the basics of how exactly PayPal works. Most of PayPal operates in USD, meaning US dollars, but it doesn’t have to. There are a lot of currencies out there in the world that can operate through PayPal and PayPal will take all of them.

PayPal will act as a digital wallet and when you need to send money to someone, you can draw the funds to your PayPal wallet. Once it’s in the PayPal wallet, it can be paid out to someone directly into their PayPal wallet. Once it goes into the other person’s PayPal wallet, then they can take that money through a transaction time of between three and five business days, that money can be put into their bank or their credit card or whatever it is.

Now, if you do have a business account, then there comes in the merchant fees. You typically don’t have to pay for merchant fees as a customer but as a service provider or a product provider, you’re definitely paying transaction charges. It can range up to three, four, five percent depending on the credit card that you’re using. As far as merchant fee goes, this is what happens when you use a credit card on PayPal, where do those fees get taken out? 


Let’s say that you are a vendor on PayPal, you’ve created an invoice and you’ve sent it off to your client, that client gets that invoice and they’re going to pay it with a credit card. So, they open up their email, they reply to that email or click on the link in the email and decide to pay with a credit card. If they have a PayPal account, they can just pay with the money in their PayPal wallet or use the backup of the credit card as the funding source. Now, if they don’t have a PayPal account and they’re going to pay with a credit card, then the money first goes to a third party called a merchant account and after deduction of a certain percentage that is applicable, you’ll receive the rest of the amount in your PayPal account.

PayPal is also used widely for international money transfers. Since overseas money transfer needs conversion of money from one currency to another, PayPal charges around 3% to 5% of the amount as their transaction fees. The currency conversion rate of PayPal differs from country to country. To know about the rate of currency conversion charges, you can use certain tools like PayPal currency converter. PayPal currency converter basically calculates the transaction fees that you have to pay for transferring a certain amount to another country.

How to write engaging captions for Instagram


Do you want to generate more likes and comments for your Instagram photos simply by writing amazing captions? I’m going to share with you my five tips for writing engaging captions for Instagram. Captions are such an important part of Instagram, it honestly surprises me how many people are still not leveraging this. I think actually captions are a great opportunity for so many creators to add extra value, and people are not even seeing it. 

I am not the most amazing photographer on the planet and chances are maybe you aren’t either. It’s very very hard to stand out on Instagram with photos alone, especially if you are the one taking them and not the one in them. Depending on the niche that you’re in, you might actually be able to add more value to people through writing than just through images. 


Here are the five steps to writing a killer Instagram caption: 

1. Come up with a topic.

This could be something that you’ve been thinking about for a while. Normally this is like, an idea or a conversation that’s just been on my heart lately that I want to share with people. Whatever it is, come up with a topic that you’re going to write about. You just want to make sure that your caption has a purpose and a focus.

2. Write a headline 

I know that Instagram captions don’t technically have a headline, but if you’re scrolling through, you will notice that any caption over like two or three lines long is going to have a little ‘see more’ button. You must focus on writing first the part that is going to show up before ‘see more’. You can spend all the time writing a beautiful long story in your caption, but if the first three lines aren’t interesting enough to get people to click ‘see more’ no one’s ever going to read it.t think that its clickbait

3. Writing the body of your caption

The third step is writing the body of your caption and making sure to add lots of line breaks. Don’t write like 12,000 words or anything like that, but I think 250 to 500 words is suitable as it’s going to look pretty long. But, if people are really engaged with what you’re talking about, they will keep reading it. It’s really important that when you have that many words, you’re breaking it up with spaces.

4. Read through your caption 

Read through your caption and make sure that throughout the entire thing you’re writing the same way that you would talk to a friend. Your followers on Instagram feel like they know you personally and you are friends with them. So, make sure that you’re not writing as if you’re writing an essay or a school paper. Write it as you would actually speak to a friend about it.

5. Use specific writing tools

You can add an extra spark to your caption by using text generator tools. Text generators are some online tools that convert your normal text fonts to fancy text fonts. Instagram Text Generator is one of the tools that I use to create my captions. You just have to find the ideal text font and use it on your Instagram bio and captions. Instagram Text Generator is a free tool to make marvelous textual styles for your Instagram captions. With this tool, you can catch the eye of your followers in a matter of moments.

These are the tips that hopefully will help you to get more likes and comments on your Instagram captions and eventually more followers.

Why Is Gratuity Mandatory In India?


It has consistently been appropriately said that dependability is a quality that must be granted. Managers likewise have confidence in this guideline and demonstrate appreciation to their resigned workers for their administration by giving them gratuity, a money related installment. It is fundamentally a sort of a ‘retirement advantage’. Be that as it may, a business will undoubtedly pay gratuity to each representative post-exit. 

A representative is more likely than not worked with the business for at least 5 years to profit this advantage. The explanation behind exit from the activity doesn’t make a difference as the explanation could shift from something as characteristic as age to something caused because of his own volition, for example, a superior opening for work. 


Why Gratuity Is Essential In India?

Truly. In India, it is required for each business, be in the public sector or in the private sector, to pay the gratuity amount to the worker who has finished 5 persistent long stretches of work. 

Installment of gratuity is guaranteed by The Payment of Gratuity Act, 1972, hence making it compulsory under a resolution. The demonstration is appropriate to each lawful work environment, for example, mines, production lines, shops, oil fields, estate, railroad organizations, and ports. In any case, it must be noticed that these vocations more likely than not had or have in any event 10 workers, on any day of the former one year. 

How To Calculate My Gratuity Amount Manually?

The process is really simple, you just have to use some Gratuity Calculator online and fill in your details like your last drawn salary, tenure period and the number of employees in your organization. After completion of these simple steps, you will get an approximate amount of your gratuity. 

Why is it approximate? 

It is just because every organization operates on different norms and the paying capacity of every organization is different. Well, you can file a case on your employer if you want to. Check below what are the fines that may be overlayed don your employer if he does not possess your gratuity amount correctly. 

What is the discipline forced on my manager on the off chance that he won’t pay gratuity? 

  • Section 9 of the act in demonstration accommodates all punishments that can be forced on your boss by the Controlling Authority. Your manager will be subject to detainment for non-installment of gratuity – as long as a half year which might be reached out to 2 years if the controlling authority regards it vital. 
  • It isn’t vital for the business to be detained for half a year as, if the controlling authority is of the assessment that a lesser term of detainment would get the job done, the arrangement of a half year of detainment would not be pertinent. 
  • A punishment adding up to detainment of a half year could likewise be forced on your manager on the off chance that he intentionally owns a bogus expression or portrayal to keep away from the installment of gratuity.