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Saturday, June 22, 2024

Happy news for crores of account holders of SBI, if you have an account, you would not miss to know


Happy news for crores of account holders of SBI, if you have an account, you would not miss to know

 Happy news for crores of account holders of SBI, if you have an account, you would not miss to know

 SBI has increased the interest on these fixed deposits by 0.25 percent.  As per RBI's new rules, now the bank can increase the limit up to Rs 2 crore to Rs 3 crore.

New Delhi: The country's largest government bank SBI has gifted its crores of customers.  The bank has increased interest rates on FDs from 180 days to 210 days and from 211 days to less than one year.  SBI has increased the interest on these fixed deposits by 0.25 percent.  As per RBI's new rules, now the bank can increase the limit up to Rs 2 crore to Rs 3 crore.  SBI Bank's new rates are for FDs up to Rs 3 crore.  These new rates are effective from 15 June 2024.

7 days to 45 days: For general public - 3.50 percent, for senior citizens - 4 percent

 46 days to 179 days: For general public - 5.50 percent, for senior citizens - 6 percent

180 days to 210 days: For general public - 6.25 percent, for senior citizens - 6.75 percent

 211 days to less than 1 year: For general public - 6.50 percent, for senior citizens - 7 percent

1 year to less than 2 years: For general public - 6.80 percent, for senior citizens - 7.30 percent

2 years to less than 3 years: For general public - 7 percent, for senior citizens - 7.50 percent

SBIના કરોડો ખાતાધારકો માટે આવ્યા ખુશીના સમાચાર, ખાતું હોય તો જાણવાનું ચૂકી ન જતા

 3 years to less than 5 years: For general public - 6.50 percent, for senior citizens - 7.25 percent

For 5 years to 10 years: For general public - 6.50 percent, for senior citizens - 7.50 percent

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Wednesday, June 19, 2024

Retire in Paradise: The Top 5 Most Affordable Places to Retire in the USA

 Retire in Paradise: The Top 5 Most Affordable Places to Retire in the USA

An important caveat: No list can truly tell you where to live out your retirement. Real life is affected by factors that far outweigh any listicle’s best efforts, including where your family and friends are and whether or not you really want to move.

Still, we’ve gathered a few of the best and worst states in the union for retirees who are considering a fresh start—or are simply curious.

Best and worst states to retire in the U.S.

Using data such as the cost of housing and the average age of the population (with an aim toward a higher proportion of seniors), here are TIME’s picks for the best and worst states in which to retire in 2024.

Best: Arizona

Warm weather, plenty of indoor and outdoor activities, and an affordable flat state tax rate of 2.5% put Arizona at the top of our list for retirees. Given the state’s size and geographic diversity, those planning to move to the Grand Canyon State can choose between the majestic cliffs and canyons of the high desert (e.g., Flagstaff) and the rolling sands of the intermediate desert (e.g., Tucson). No matter where you go, there’s hiking, eating, and no shortage of art.

  • Population: 7.4 million.
  • Percentage of population aged 65 and older: 18.8%.
  • Median monthly mortgage payment: $1,544.
  • Median monthly rent: $1,958.
  • Tax on Social Security benefits: No.

Best: Indiana

With the 14th-lowest cost of living overall per 2023 data from MERIC, a flat-rate state income tax of just over 3% (with no state tax levied on Social Security income), and an enviably low cost of living (including lower-than-average housing costs), Indiana easily makes the grade for one of the best places in America to retire. Plus, its central Midwestern location means it’s easy to travel to children and grandchildren who’ve spread far and wide… or to have them meet in the middle at your place.

  • Population: 6.9 million.
  • Percentage of population aged 65 and older: 16.9%.
  • Median monthly mortgage cost: $1,195.
  • Median monthly rent: $1,382.
  • Tax on Social Security benefits: No.

Best: West Virginia

John Denver famously said it was “almost heaven,” and for retirees, it may be even closer to paradise. Tree-covered Appalachian mountains speckled with thriving but close-knit communities, a lower-than-average crime rate, a higher-than-average senior population, and access to some of the most stunning outdoor recreation areas in the east—all at the fourth-lowest cost of living in the United States? Yes, please.

  • Population: 1.8 million.
  • Percentage of population aged 65 and older: 21.2%.
  • Median monthly mortgage cost: $1,071.
  • Median monthly rent: $995.
  • Tax on Social Security benefits: Yes, but “only to the extent that the income is includible in your federal gross income.”

Best: South Dakota

Home to more than its fair share of magnificent sites and sights—including Badlands National Park, Mount Rushmore National Monument, and Custer State Park, just to name a few—South Dakota offers retirees willing to weather its winters access to a wide range of beautiful scenery and plenty of city to-dos in its metropolitan areas. Plus, it’s one of the few states that carries no individual state income tax whatsoever.

  • Population: 919,000.
  • Percentage of population aged 65 and older: 18%.
  • Median monthly mortgage cost: $1,415.
  • Median monthly rent: $1,065.
  • Tax on Social Security benefits: No.

Best: Georgia

While Georgia retirees always have, and likely always will, flock to its neighbor to the south, many might consider stopping before they cross the Florida-Georgia line. After all, Georgia boasts the 11th-lowest cost of living among U.S. states (compared to Florida’s 29th-lowest rank). It also mixes big cities, biomes ranging from sandy Atlantic shorelines to rolling Appalachian foothills, and some of the best Southern comfort food you’ve ever tasted. There is truly something for everyone in Georgia.

  • Population: 11 million.
  • Percentage of population aged 65 and older: 15.1%.
  • Median monthly mortgage cost: $1,501.
  • Median monthly rent: $1,990.
  • Tax on Social Security benefits: No.

Worst: Hawaii

As dreamy as it might sound to spend the rest of your days dawdling in an island paradise, there are plenty of reasons to rethink your ambitions to retire to Hawaii. Along with its substantial distance from, well, everything—it’s a six-hour flight at minimum to the mainland—Hawaii also has the single highest cost of living in the U.S., with median monthly rent and mortgage prices that almost triple those in, say, South Dakota.

  • Population: 1.4 million.
  • Percentage of population aged 65 and older: 20.4%.
  • Median monthly mortgage cost: $2,584.
  • Median monthly rent: $3,000.
  • Tax on Social Security benefits: No.

Worst: California

It’s not news that California has a high cost of living. But it also has a relatively low number of residents aged 65 or over, meaning retirees might find fewer peers to enjoy their newfound free time with—even in one of the most populous states in the nation. And it’s worth reiterating just how high that high cost of living can be: In sunny San Diego, the average home value tops $970,000, and that’s still substantially less expensive than, say, San Francisco.

  • Population: 39 million.
  • Percentage of population aged 65 and older: 15.8%.
  • Median monthly mortgage cost: $2,523.
  • Median monthly rent: $2,751.
  • Tax on Social Security benefits: No.

Why Arizona is the best state to retire

Arizona tops our list for its combination of warm weather, a high proportion of seniors and retirees, the many outdoor and indoor adventures in its countryside and cities, and a relatively affordable cost of living. Arizona has a lot to offer for seniors who want to live out their sunset years where the sun is almost always shining.

3 expert tips for retirement planning

Retirement planning is about more than where you’re going to live. Here are three tips to help you get the most out of your well-deserved retirement.

1. Consider more than just your finances

Obviously, saving for retirement is worth your time and attention. (According to data from the U.S. Census Bureau, almost half of adults between the ages of 55 and 66 had no retirement savings whatsoever in 2017.)

But finances are only one part of the overall retirement-planning process. To fine-tune those numbers, you must also consider other factors—like where you’ll live.

2. Start saving as early as possible

When it comes to planning and saving for retirement, the earlier you start, the better. Compound interest favors those who invest over the long run, so by starting to save at 25 rather than 35, you stand to gain an exponential reward for your efforts.

That said, it’s never too late to start. Fortunately, today’s savers have many tools at their disposal to make the process easier—including budgeting apps like Empower and investment planning tools like Playbook. You can even use an app such as Beagle to help you locate old retirement funds from previous jobs you may have forgotten about.

3. Remember: One size doesn’t fit all

There’s no simple answer to the age-old (and somewhat terrifying) question, “How much do I need to retire?” Online retirement calculators can help you determine your ideal personal goals based on your current income, projected cost of living, current age, and more.

How your state ranks for retirement


TIME Stamp: Consider states with a low cost of living and a high number of seniors.

Saving for retirement is much easier when you have a better picture of what you want your retirement to look like. Figuring out where to live is just one important step in that process—but a fun one to daydream about.

Frequently asked questions (FAQs)

What is the #1 best state to retire?

The very best place to retire is a highly individual choice that depends on various factors, including the cost of living and where most of your extended family is based. That said, warm-yet-affordable destinations like Arizona are popular, as are states like South Dakota that don’t levy personal income taxes.

Where is the safest and most affordable place to retire?

Affordability and safety are highly dynamic metrics that regularly change. That said, West Virginia is one of the safer states to consider retiring in 2024. It enjoys both a low cost of living and low crime rate relative to national averages.

What is the No. 1 retirement state?

TIME chose Arizona as its No. 1 choice for retirees. Thanks to its sunny days, temperate climate, variety of biomes and communities, and reasonably low cost of living, we think seniors would do well to consider the Southwest alongside the ever-popular options in the Southeast (we’re looking at you, Florida).

Where can I retire on $2,000 a month in the United States?

The amount of money you’ll need to live comfortably in retirement depends on many lifestyle factors—for example, will you already own a paid-off home, or will you be spending money on a monthly mortgage or rent? That said, choosing a city and state with a lower overall cost of living can make $2,000 stretch a lot further. Oklahoma, Mississippi, Kansas, West Virginia, and Alabama have the lowest costs of living per MERIC data collected in 2023.

Read More »

Travel Hacks for Budget Backpackers: Explore the USA on a Shoestring

 Travel Hacks for Budget Backpackers: Explore the USA on a Shoestring

PM Kisan 17th Installment Date 2024

 PM Kisan 17th Installment Date 2024: Which farmers will get 17th installment in Kisan Yojana?, Just follow the process Under Pradhan Mantri Kisan Yojana this scheme is run for needy and poor farmers. In which, after the announcement of 17 installments of money under this scheme, the 17th installment is likely to come in the month of May for the farmers who are now waiting for the 17th installment.


PM કિસાન યોજના 17 મો હપ્તો ચેક કરવાની 

PM કિસાન યોજના ઓફીસીયલ સાઇટ અહિં ક્લીક કરો

PM કિસાન યોજના લાભાર્થી લીસ્ટ અહિં ક્લીક કરો

PM કિસાન યોજના e-KYC કરવા માટે અહિં ક્લીક કરો

When you think of traveling in the USA, you might imagine extravagant road trips, luxury hotels, and gourmet dining. While those options are certainly available, they can also come with a hefty price tag. However, that doesn’t mean you can’t explore the beauty of the United States on a budget. With careful planning and some insider tips, you can have an unforgettable adventure without breaking the bank. In this comprehensive guide, we’ll share some budget-friendly travel tips for exploring the USA on a shoestring budget.

Plan Ahead and Set a Realistic Budget

The first step to any budget-friendly adventure is setting a clear budget. Determine how much you can comfortably spend on your trip, factoring in transportation, accommodation, food, and activities. Once you have a budget in mind, stick to it as closely as possible. Planning ahead allows you to make informed decisions and avoid overspending.

Travel Off-Peak

One of the best ways to save money on travel is by avoiding peak seasons. The USA has a diverse range of climates and landscapes, so you can find appealing destinations year-round. Traveling during the off-peak season not only means lower prices for flights and accommodation but also fewer crowds, making your experience more enjoyable.

Use Fare Comparison Websites

Before booking your flights, use fare comparison websites like Skyscanner, Kayak, or Google Flights. These platforms allow you to compare prices from different airlines and find the best deals. Be flexible with your travel dates, as flying a day or two earlier or later can significantly impact the cost of your tickets.

Consider Alternative Airports

Major airports tend to have higher fees and prices. When planning your trip, check if there are alternative airports near your destination. You might find that flying into a smaller airport and using public transportation to reach your final stop can save you a substantial amount of money.

Embrace Public Transportation

Once you’re on the ground, opt for public transportation instead of renting a car or relying on taxis. Many cities in the USA have extensive public transit systems that are not only budget-friendly but also convenient. Additionally, consider using rideshare apps or bike-sharing programs to explore urban areas.

Choose Budget-Friendly Accommodation

Accommodation is often one of the most significant expenses during a trip. To save money, consider these options:

  • Hostels: Hostels are a great choice for budget-conscious travelers, and they’re not just for young backpackers. Many hostels offer private rooms with en-suite bathrooms, providing comfort at a fraction of the cost of a hotel.
  • Airbnb: Renting a private room or an entire apartment through Airbnb can often be more affordable than staying in a hotel. Plus, it gives you the opportunity to cook your meals, further reducing expenses.
  • Camping: If you’re an outdoor enthusiast, consider camping in national parks or campgrounds. It’s an inexpensive way to experience the natural beauty of the USA.

Cook Your Meals

Eating out for every meal can quickly drain your travel budget. Save money by shopping for groceries and preparing your meals when possible. Most hostels, Airbnb rentals, and campgrounds provide kitchen facilities. Take advantage of these amenities to enjoy homemade meals and local cuisine without the restaurant prices.

Look for Free and Low-Cost Activities

The USA offers numerous free and low-cost activities that allow you to experience its culture and attractions without spending a fortune. Some options include:

  • National Parks: Many national parks offer free or affordable entry, providing access to stunning natural wonders.
  • Museums: Some museums have free admission days or reduced rates for students, seniors, and children.
  • Hiking and Outdoor Activities: Exploring the great outdoors is often free or requires a minimal entrance fee.
  • City Tours: Many cities offer free walking tours, allowing you to learn about the area’s history and culture.

Travel with a Group

Consider traveling with friends or family to share expenses such as accommodation and transportation. Group discounts on lodging and car rentals can be substantial and can make it more affordable for everyone.

Earn Rewards and Use Travel Apps

Take advantage of travel rewards programs offered by airlines and credit card companies. Accumulate miles and points through your regular spending and use them to offset the cost of flights and accommodation. Additionally, download travel apps like TripAdvisor, Yelp, and Citymapper to find deals and navigate your destination efficiently.


Traveling on a shoestring budget in the USA is not only possible but also a rewarding experience. By planning ahead, being flexible, and following these budget-friendly travel tips, you can explore the beauty and diversity of the United States without emptying your wallet. Remember that the most memorable experiences often come from exploring off the beaten path, meeting locals, and immersing yourself in the culture — all of which can be done on a budget. So, pack your bags and get ready for an affordable adventure across this vast and incredible country. Happy travels!

Read More »

SSC Exam Calendar 2024-25 (Revised)

 Mental Health Matters: Top Resources for Affordable Therapy in the USA

SSC Exam Calendar 2024-25 (Revised)

SSC Exam Calendar 2024-25: The Staff Selection Commission (SSC) released the revised exam calendar for the year 2024-25 on 8 April 2024, for exams CGL, CHSL, MTS, Constable GD, Delhi Police, JE, Steno, JHT, etc. The exam schedule of some exams is changed in the new notice. The Application Start Date, Last Date of Application, and tentative date of the exam are given in the new exam calendar of SSC released.

Exam Calendar: Click Here

For more details: Click Here

Mental Health Matters: Top Resources for Affordable Therapy in the USA

Finding an affordable therapist shouldn't stop you from getting the mental health care you deserve. Here are some top resources to help you on your journey:

Utilizing Insurance:

  • Check your health insurance plan! Many cover therapy, with a copay or coinsurance cost. Contact your provider to understand your mental health coverage details.

Budget-Friendly Online Therapy:

  • Several online therapy platforms offer flexible options:
    • BetterHelp: $65-$90 weekly (may be eligible for reimbursement)
    • Talkspace: Accepts some insurance, with options for messaging, chat, audio, and video sessions.
    • Calmerry: Weekly subscriptions starting at $50 (text therapy) or $67 (video therapy).
  • Remember, research different platforms to find the best fit for your needs and budget.

Free & Low-Cost Support:

  • Open Path Psychotherapy Collective: Non-profit offering therapy sessions for $40-$70 (sliding scale based on income).
  • Free resource to locate therapists in your area who offer sliding scale fees.
  • NAMI (National Alliance on Mental Illness): Free support groups and information on finding affordable therapy options.
  • Crisis Text Line: Text HOME to 741741 for free, 24/7 crisis support.

Additional Strategies:

  • Consider therapists in early practice or therapy students - they might offer lower rates.
  • Look for community clinics or mental health centers with income-based sliding scale fees.
  • Explore free or low-cost mental health apps for additional support (but remember, these aren't replacements for professional therapy).

Remember: Prioritizing your mental health is an investment. Don't hesitate to seek the help you deserve.

સાર્વજનીક યોગ અભ્યાસ

YOGA BOOK સાર્વજનીક યોગ અભ્યાસ (GUJARATI) PDF:- DOWNLOAD
સાર્વજનીક યોગ અભ્યાસ

YOGA BOOK સાર્વજનીક યોગ અભ્યાસ 2015 (GUJARATI) PDF:- DOWNLOAD


યોગ આસાન અને યોગ મુદ્રાઓ pdf

સૂર્ય નમસ્કાર આસન પોઝ

સૂર્ય નમસ્કાર નિયમો

सामान्य योग अभ्यास

YOGA BOOK सामान्य योग अभ्यास (HINDI) PDF:- DOWNLOAD

Book 1


Book 2
Yoga postures, asanas pdf CLICK HERE
Read More »

Water Tanks Sahay Yojna 2024


Water Tanks Sahay Yojna 2024

Water Tank Construction Assistance Scheme 2024: Office of the Director of Agriculture, Gujarat State Ecostat Branch, Krishi Bhawan, Sector-10.A. Gandhinagar has posted information for Farmers to Build Water Tanks Support Scheme 2024 for Khatiwadi Schemes, in which information about the water tank construction scheme has been provided. Complete information on how to avail these schemes and what documents will be required is given.

Water Tanks Sahay Yojna 2024

The name of the scheme: is Water Tank Construction Assistance Scheme 2024

Name of the Department: Office of the Director of Agriculture, Gujarat State

Application form starting: 18th June 2024

Last date to apply: is 24th June 2024

After applying online for I Farmers Assistance Scheme for Water Tanks 2024, take a print out of the application, scan the application and documents relevant to the scheme and upload it on the portal or submit it at the office mentioned in the application, from 18/06/2024 to 24/06/2024 /06/2024 to be opened for making online applications by farmers.

Steps to Apply Online for Water Tank Sahay Yojana 2024

Candidates who want to apply for Water Tank Sahay Yojana 2024 can click on the link mentioned above in the article or follow the steps mentioned below.

  • Visit the official website i.e.
  • Click on Apply Online option.
  • Search for help creating watermarks and then click on the New User option.
  • After applying online, take a printout of the application and scan the documents relevant to the application and scheme and upload it on the portal or present it at the office mentioned in the application.
  • Take a printout of the application for future use.

Important dates

Date of commencement of application: June 18, 2024

Last date of application: June 24, 2024

Important Link:

Aid Scheme for Construction of Water Tanks 2024 Announcement: Click Here

Apply online: Click Here

Read More »

Praveshotsav 2024 Paripatra


Praveshotsav 2024 Paripatra : Shala Praveshotsav Ane Kanya Kelavni Mahotsav 2024 Babat letter.

 Data Privacy Laws for Businesses: Everything You Need to Know (USA Compliance Guide)

Absolutely, data privacy is a critical concern for businesses in the USA. There isn't a single, overarching federal law, but a patchwork of regulations depending on the industry and the state. Here's a breakdown to get you started:

Key Concepts of Data Privacy Laws:Consumer Rights: - Individuals have rights regarding their data, including access, correction, deletion, and restriction of processing. US Privacy Laws: The Complete Guide
Transparency: Businesses must be clear about what data they collect, why they collect it, and with whom it's shared. Checklist for US Data Privacy Law Compliance [With Infographic]
Consent: - Often, businesses need user consent before collecting and processing data, especially for sensitive information. Data Privacy Laws: What You Need to Know in 2024

Important Laws to Consider:California Consumer Privacy Act (CCPA): - Grants significant rights to California residents regarding their data. Data Privacy Compliance: Your Ultimate Guide to Data Protection
National Highway Data Protection Act (NHPA): - A recently enacted federal law with a focus on opt-out mechanisms for consumer data collection. Data Privacy Laws: What You Need to Know in 2024

Remember: These are just two examples, and data privacy laws can get complex. For a comprehensive USA compliance guide, consider consulting with a data privacy professional.
ટૂંકી વિગત
પરિપત્ર : કન્યા કેળવણી મહોત્સવ અને શાળા પ્રવેશોત્સવ ૨૦૨૪
પરિપત્રની તારીખ : 25/04/2024
પ્રવેશોત્સવની તારેખ : ૨૭, ૨૮ અને ૨૯ જૂન-૨૦૨૪(ગુરૂવાર થી શનિવાર)
પરિપત્ર કરનાર :
નિયામક પ્રાથમિક શિક્ષણ ગુ.રા., ગાંધીનગર અને નિયામક શાળાઓ ગુ.રા., ગાંધીનગર

શાળા પ્રવેશોત્સવ કાર્યક્રમ દરમ્યાન શાળા કક્ષાએ કરવાની થતી કાર્યવાહી:-

(૧) એક વિદ્યાર્થીની અને એક વિદ્યાર્થી દ્વારા પ્રવેશોત્સવ કાર્યક્રમનું સંચાલન થાય તેવું આયોજન કરવું.

૧. પદાધિકારીશ્રી/ અધિકારીશ્રીઓનું આગમન - ---
૨. દીપ પ્રાગટય - ૩ મિનિટ
૩. પ્રાર્થના - ૭ મિનિટ
૪. મહાનુભાવોનું સ્વાગત - ૫ મિનિટ
૫. પ્રવેશોત્સવ કાર્યક્રમ - ૧૫ મિનિટ
૬. બાળક દ્વારા વક્તવ્ય - ૫ મિનિટ
૭. સન્માન - ૭ મિનીટ
૮. પ્રેરક ઉદબોધન - ૧૫ મિનિટ
૯. આભાર વિધિ - ૩ મિનિટ
૧૦. શાળા પરિસર મુલાકાત તથા SMC/SMDC/શાળા સંચાલક મંડળ સાથે બેઠક - ૨૫ મિનિટ
૧૧. વૃક્ષારોપણ - ૫ મિનિટ

મહત્વપૂર્ણ લિંક

મહત્વપૂર્ણ લિંક

શાળા પ્રવેશોત્સવ કાર્યક્રમ 2024 તારીખમાં થયો ફેરફાર લેટર વાંચવા માટે અહીં ક્લિક કરો 

મહત્વપૂર્ણ લિંક PDF

આયોજન ફાઈલ શાળા પ્રવેશોત્સવ 2024 ડાઉનલોડ કરવા માટે અહીં ક્લિક કરો 

પ્રવેશોત્સવ ફાઈલ 2024 Excel 

શાળા પ્રવેશોત્સવ 2024 પરિપત્ર પીડીએફ

પ્રવેશોત્સવ ફાઈલ 2024 Pdf

પ્રવેશોત્સવ ફાઈલ 2024 Excel

પ્રવેશોત્સવ આમંત્રણ પત્રિકા : અહીં ક્લિક કરો

The US data privacy landscape is evolving rapidly, and businesses must navigate a complex web of regulations. This guide equips you with the essentials:

Understanding the Framework

The US lacks a single federal data privacy law. Instead, compliance hinges on a combination of:

  • Federal Laws: These address specific sectors, like healthcare (HIPAA) and finance (GLBA).
  • State Laws: California (CCPA) and Virginia (VCDPA) have comprehensive laws, with more states like Colorado and Utah following suit.

Core Principles of Data Privacy Laws

  • Consumer Rights: - Consumers have the right to access, correct, delete, and restrict the processing of their data.
  • Transparency: - Businesses must be upfront about the data they collect, its purpose, and who it's shared with.
  • Consent: - Consent is often required, particularly for sensitive data collection and processing.

Key Considerations for Businesses

  • Identify Applicable Laws: - Determine which laws apply to your business based on location and data collection practices.
  • Develop a Compliance Strategy: - Implement processes to ensure data collection, use, and storage comply with relevant regulations.
  • Provide Clear Privacy Notices: - Inform users about data practices and how they can exercise their rights.
  • Implement Data Subject Access Requests (DSAR) Processes: - Establish procedures for users to access and potentially rectify their data.
  • Maintain Robust Data Security: - Safeguard personal data with appropriate security measures.
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