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    • Mikhail Agapov

      Understanding Excessive Drooling in Babies and Toddlers: Causes, Signals, and Therapeutic...

      Excessive drooling in babies and toddlers is a common occurrence that often raises concerns among parents. While drooling is a natural part of infancy, an excessive amount can sometimes indicate underlying conditions or developmental stages that...
      • Mikhail Agapov

        Answer on How to increase your income?

        Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to...
          Mikhail Agapov
          Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to...

          Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to increase the amount of money you bring in every month and maintain a healthy income, so that you are able to fulfill your dreams faster.

          1. Talk to your employer for a raise:
          This is one of the easiest ways to get more money for the same work that you do. Several companies give small increments say 10 to 11% every year to their employees, which might be very low as per the requirements and the expenses. So it is always a good idea to have a talk with your employer or HR Team for a better hike in your performance year.

          However, you may have to do a bit of research yourself and find out what the hike is given by other companies in your industry and also if your work explains or justifies the hike you want. I remember getting a minimum of a 10% hike every year, even though other companies in my industry were giving a 25% hike even to the new joiners, and I was a top performer. 

          Therefore, I used to have a talk with my management and HR Team about the hike, and they used to increase the percentage to one or two points. It wasn't much but even small amounts matter when you are trying to make a living out of your paycheck.

          2. Work as a freelancer:
          If your work is not going to give you much return, then consider working as a freelancer by selling your skills and talents. Take odd jobs for family or friends that will add funds to your bank account. Remember that every penny you earn is one more dollar towards your overall income.

          For example, you can try driving your car as a taxi at night for people going to airports. Airports are far away from cities and people require taxi or cab drivers that are available at odd hours for airport pickup and drop. This is a considerable way to supplement your job. You can even increase your income by working on weekends and driving cars to get some more income to fulfill your dreams.

          3. Start a Side Business:
          If you have good skills you can channel them into a viable side business. This could be as simple as cooking or gardening or even writing as a freelancer for companies. In our society, there are some ladies, that provide services like;

          • Ironing of Clothes
          • Selling of Food Batters like Pancakes or Dosa batters
          • Selling of Tiffens/Lunch and Dinner Services, etc

          4. Create Sources of Passive Income:
          Passive Income Sources are those sources, that require some initial effort and provide regular income after some time. These income sources might not seem effective during the initial days because the effort to create a passive income stream is really hard, but once it is set up, you can enjoy your life without any tension of money.

          For example, start a blog or youtube channel. This way you can share information, articles, and videos and get rewarded as money. Some people around the world are making good amounts of money using this method, but it requires initial investment to set up a blog and publish articles on a daily basis and then these streams help you make money, and that too isn't guaranteed.

          Well, nothing is guaranteed if you haven't started working. If you work then at least you have some hope, but if you don't start, then you won't get anything and that's or sure.

          5. Consider investing in rental property:
          Consider investing in a rental property, preferably several multifamily units rather than one single-family home. Though a rental property can be a large upfront investment, the potential income generated from this investment could be substantial. Ask a friend or business partner to invest with you in a rental property and create passive income to supplement your existing income.

          6. Start cutting down your expenses:
          It is rightly said, "A penny saved is a penny earned", and that stands true even today.

          If you are renting a luxurious apartment that is taking 50% of your take-home salary, then consider cutting down by moving to s a smaller rental apartment. Or if you have some subscriptions online, then consider getting rid of them. For example, I don't buy things online regularly so I have just removed Amazon Prime from my account, and also got rid of Netflix as those cost me my time and money on a regular basis.

          Focus on stacking savings on top of one another to add up to a large amount of money saved. This means embracing a frugal and not spending money when you do not need to.

          7. Invest in a good Health Insurance:
          This is one of the most important parts of your saving journey so that you can increase your income. These days healthcare services are so expensive that one trip to hospital can make you broke. Therefore, always consider having Good Health Insurance which provides cashless mechanisms.

          This is important to ensure that when you need medical emergency services, then you are not in any trouble from the money front, and after the medical treatment is over, then you should not become broke and enjoy your life as you were doing before the medical treatment.

          8. Exercise Regularly and Eat Healthy:
          Now this is one of the important steps as well because if you are healthy and fell sick less, in that case, you are able to save a lot more money and as you know anything that you save is an add-on to your take-home salary. Therefore, always exercise on a regular basis and eat healthy food.

          For example, you can ensure that you walk at least 10,000 steps every single day and do some weight lifting exercise to keep yourself fit for life.

          9. Take a bicycle or walk to work:
          One of the biggest expenses is likely your car. Form the car itself to its maintenance and insurance, it can bring big expenses. When possible, bike to work or to run errands rather than pay to fill up your gas take and using your car. Walking will also keep you fit for a longer time and hence you will have less medical expenses.

          10. Have a do it yourself lifestyle:
          A do it yourself lifestyle means that you take care of your things yourself. For example, if you have to renovate your home, consider working on your home yourself rather than outsourcing painting and decoration work.

          This can be a big time expense saver for you because home renovations and other tasks like maintenance might be a big expense loop holes to get rid of.

          Increasing your income might seem a bit of work, but once you are able to do so and earn some more cash, then you will be able to save big time and achieve your goals, which will motivate you to become a better person by utilizing your money in a better way. If you follow above steps, you should be able to save some money for your leisure and to fulfill your dreams fast.

          • Mikhail Agapov

            Getting Health Insurance Without A Job

            Health insurance is a crucial aspect of a person's financial well-being and overall health. It provides a safety net for unexpected medical expenses, routine check-ups, and access to necessary healthcare services.


            • Dr. Suhul Dhar

              Dr. Suhul Dhar

              Zaina Kadal, J&KHi, I'm Suhul, based out in Serbia these days, I am from Zaina Kadal, Kashmir. I have several memories of Kashmir in the form of stories that my parents have shared with me. 

              • Svetlya Anukudinova

                Svetlya Anukudinova

                RussiaI am enthusiastic about working in research field.