How Mental Health Affects Your Brain

Your mental health is a very important part of keeping your body and brain healthy. There are many things that can affect brain health and there are some ways that you can combat these things as well. When you focus on your brain health and make sure that this is in the best shape possible, it can help you to in many aspects of your life.Everyone needs to find the way to stay mentally healthy. When you are mentally healthy you will be able to keep your stress level lower. Stress is responsible for so many health conditions. Keeping stress levels in a healthy range is very important to your entire health and body. Finding some ways to nurture your brainhealth is imperative for a long, quality life.There are many tests for the physical body and these tests can show you if your cholesterol levels are high, or your blood pressure. It is much more difficult to gauge brain health. This can make it more challenging to test for any type of mental problems in a person.You may not have a definable mental condition and therefore you are deemed mentally healthy. There is no real definition of what mentally healthy consists of and this can be frustrating at times. There are many factors that can affect brain health and the brain health. When you begin to really look at your brain, this is when you will be able to find the right ways to begin to use brain fitness to make you feel better.You should look at the support you are receiving at home. This can help you to achieve better mental health. A great support system is needed to get through the challenging times in life and this can help you to have a much better outlook on your life.A brain injury can affect brain health and this is an area where someone can benefit greatly from the use of memory exercise. This can help you with any motor control problems and also can help you become more independent, which will help you with any mental health issues you have been experiencing.Mental health is a very important aspect in someone’s life. If your mental health is not where you would like it to be, it is up to you to change this. There are some great exercises that you can do that can help you to increase your mental health and this can be a major benefit in your life.

Central Bank Raises Repo Rate – Should You Be Worried?

The Central Bank of a country creates a framework for the economy. All the lenders and financing institutions follow the rules and guidelines set by the central bank. Every couple of years the central bank reviews the economy and analyses if their goals are being met or no. These goals are mostly related to keeping inflation in check. If the plan is not on track, they plan and make amends in order to achieve their target.
In India, the central bank is also known as the Reserve Bank of India (RBI). The RBI plans and forecasts banking policies. They recently came into light when they increased the repo rate by 25 basis points. This is the second time in 4 years that the RBI has increased the repo rate. Today the rate stands at 6.50% which is 50 basis points higher than what it was 4 years ago i.e. 6.00%.

What is a Repo Rate?

A repo rate is the rate at which the central bank lends money to the commercial banks when they fall short of maintaining a suitable balance. This balance is decided by the central bank (RBI). When a commercial bank cannot maintain such a balance, they can borrow the money from the RBI on interest.

Why did RBI increase the Repo rate?

RBI increased the rate in order to achieve their target of maintaining inflation around 4%. By hiking this rate, a chain of events unfold. Banks will borrow less money from the RBI as the repo rate is high. Hence they will have shortage of funds to lend to the customer. They will lend the remaining money on a higher rate of interest. Hence many customers will avoid taking a loan ensuring demand is reduced. This will curb inflation in the long run.

Should the increase in this rate be a cause of worrying?

Yes. When RBI increases the Repo rate, the commercial banks increase the rate of interest on different loans like personal loans, home loans etc. This impact is then faced by the customer as with the increase in interest rate, the EMI will increase. Yes, if your loan has a floating rate of interest, then the EMI will be revised by market conditions and also when the RBI increases the repo rate. Hence the debt burden on the customer will now be dearer than before. With the debt burden increasing, it might be wise to consider prepaying loans partly/fully.

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Things to Consider When Crowdfunding for Charity – Impact Guru

Crowdfunding for charity is no easy matter. This is because everybody who is aware of the popularity of Crowdfunding in India put their fundraising profiles up in the crowdfunding platforms in India. Because of this, the crowdfunding platforms are now overcrowded with crowdfunding campaigns.

Under such circumstances, it becomes important to follow a few rules in order to ensure not only the maximum traffic to the crowdfunding platforms but also that those potential donors actually end up contributing something. Traditional fundraisers have themselves have never had a smooth ride to success for the simple reason that there have been way too many initiatives. And also, there have never been any guarantees regarding the crowdfunding initiatives being genuine. So, authenticity often comes into question regarding the crowdfunding ventures in India.

In order to safeguard a crowdfunding campaign for charity purposes and to ensure against all the other drawbacks that keep people off crowdfunding campaigns, there are a few things that should be followed by every organizer, private or as a collective in the form of a non-profit.

1. Make sure that you are using a popular and reputable platform. That is the primary way of ensuring that the donors are able to trust the platform on which they are going to donate their money and that the money is processed successfully. Also, the reputed crowdfunding platforms also have a wide reach across social media platforms, and already have a loyal support base, many of whom are themselves established figures in their respective fields and can lend their expertise to you and your campaign and make it reach heights.

2. If you are new in the crowdfunding space, you may consider keeping non-virtual options open. Which includes sending out supporters of your campaign to prime locations in order to increase the visibility of the campaign and make it popular among those who are not regular in the crowdfunding sites or in order to increase the knowledge about the crowdfunding campaign and the purpose of the charity.

3. Keep an option open for donations that are not monetary, if possible. Which includes donations like clothes, food material, etc., or whatever may pertain to the subject of the charity.

4. Keep in mind that donations can be small. For all that it is worth, donors tend to be loyal to a number of causes. Which is why it is a great thing in itself if they even give you a bit to donate to your charity, which means that they consider you important enough at least.

5. Make it a point to connect with your donors. This means that you need to keep them informed about each and every step in your campaign. What their donations are doing, how their donations would be impacting lives, etc. Do not forget to send your acknowledgment to each supporter on the receipt of the donation. You should also ensure that the visitors to your page are assured about the safety of transactions in the crowdfunding profile.

6. Your crowdfunding website needs to showcase the values which your charity prioritizes, or if it is a campaign based on a project, you need to ensure that the profile gives off the serious vibes of your campaign. You may need to have a separate website to put every small detail in there, at the same time keeping in mind that the crowdfunding page to remains attractive.

7. Understand that crowdfunding is based a lot on empathy. Unless you can make the potential donors understand the impact of their donations, it is going to be difficult to acquire donations. Make the donors understand exactly what is at stake- the lives they are going to impact, the way they are going to do so. In order to do that, put up videos and photographs in the way it is required. People often tend to underestimate the power of videos. In your website, put up videos at each and every stage to humanize the beneficiaries of the crowdfunding campaign.

8. Understand the importance of peer-to-peer fundraising in charities. You can engage your supporters to form their own chains. Not only that, you can support them in their events to raise funds for your campaigns, and also increase visibility. Events like marathons and concerts go a long way in ensuring enormous success for charity drives.

9. Sponsors are very important in charity drives. Try to rope in the small startups who are related to your cause, or who are sympathetic, as it would be a win-win for all the parties involved. Also, do not forget to advertise the major contributions to your campaign.

Keeping these things in mind, it is not going to be much easier to gather funds for the charity campaign in the best crowdfunding platforms in India. But there may be some regulations you need to keep in mind, like your non-profit having the required clearances and permissions to conduct the crowdfunding campaign in the first place.