Caffeine

Caffeine facilitates learning in tasks in which information is presented passively
Caffeine facilitates performance in tasks involving working memory to a limited extent
caffeine appears to rather improve memory performance under suboptimal alertness conditions.
Most studies, however, found improvements in reaction time.
At low doses, caffeine improves hedonic tone and reduces anxiety,
The larger improvement of performance in fatigued subjects confirms that caffeine is a mild stimulant.
Caffeine has also been reported to prevent cognitive decline in healthy subjects (Nehlig N.p.)
If my husband doesn’t drink some by 10 a.m., he can expect a man-sized headache by early afternoon. My best friend can’t speak in full sentences until they get theirs. I’m talking about coffee, of course! But the real addiction here is to the caffeine IN coffee, not coffee itself.

The truth is that there are lots of ways to get your caffeine fix. Some of the people chugging down those Big Gulps all afternoon may be in it for the caffeine. Another popular way to get caffeine is tea, hot or iced. A can of diet cola (or similar) will give you around 42 milligrams of caffeine, while a cup of hot tea usually has almost 50 milligrams.

I’m afraid eating chocolate can’t compete with the caffeine power of a cup of Joe. Even a 2-ounce chocolate bar has only 36 milligrams of caffeine — a drop in the bucket for hard-core espresso drinkers! Not that caffeine is the main reason people eat chocolate, but be warned that getting your caffeine fix in the form of chocolate is going to cost you in calories! Two ounces of chocolate will run you approximately 270 calories and 16 grams of fat.

Here’s a chart of some common caffeine sources and exactly how much of a wallop each packs:

1 cup of regular coffee 138 mg caffeine

Espresso 1/4 cup 125 mg (Magee N.p.)
The effect of caffeine in stimulating self-reported alertness and mood was not thought to persist for extended periods of time, with the effects peaking during the first 4 hours after ingestion. Research in office workers suggests that consuming caffeine with ornithine (an amino acid involved in protein metabolism, found in foods such as dairy products and meat, and which can be synthesized in the body) in the morning had a positive effect on self-reported mood (especially reducing “feelings of fatigue”, and increasing “willingness to work”, and “vigor”) in the late afternoon, suggesting that ornithine potentiated the physiological action of caffeine59.

Why Mutual Funds?

The purpose of investing in mutual funds is to earn higher returns than what traditional investment options offer. … Mutual funds are also more tax-efficient than traditional investments. Short-term as well as long-term gains from mutual funds are taxed in a way that it doesn’t eat into the returns.

Why would you invest in a mutual fund?
1. Built-in diversification. When you buy a mutual fund, your money is combined with the money from other investors, and allows you to buy part of a pool of investments. A mutual fund holds a variety of investments which can make it easier for investors to diversify than through ownership of individual stocks or bonds.

Which is better mutual fund or FD?
A Fixed Deposit offers pre-decided returns which do not change throughout the tenure of investments whereas Mutual Funds offer better returns on long-term investments as they are market-linked. Longer the tenure of investment, better the returns from Mutual Funds.

Mutual funds are one of the few buzzing investment options these days. Millennials are turning towards mutual funds as they get a much-needed flexibility of investing a small amount frequently. After knowing that you can invest in small amounts, the next question that arises is “how much of my salary should be invested in mutual funds?”

1. 50:30:20 Rule

Every earning individual should mandatorily implement the rule of 50:30:20 in their financial plan. This is very important, especially for breadwinners. Implementing this rule will ensure that their future is bright. The 50:30:20 rule says that 50% of your income must be spent on needs, 30% on wants, while the remaining 20% must be utilised to build an emergency corpus.

Needs are those without which you cannot sustain your daily life. These are groceries, house rent or EMI, utilities, and so on. You can never compromise on needs, and you have no choice but to spend on them. Wants are those that are not absolutely necessary, but you are making use of them in order to make your life better. A few examples of these are gym membership, vacation, movie tickets, subscriptions to online streaming sites, and so on. It is advisable for anyone to limit their spending on wants as much as possible.

The remaining 20% of your income must be saved to build an emergency corpus which is at least thrice your monthly salary. Once that is done, you can start investing. Therefore, your investments in mutual funds should be 20% of your monthly salary. If you are able to cut down on spending on wants, then you can utilise the same in increasing your mutual fund investment.

2. Importance of Investing in Mutual Funds

Millennials are investing in mutual funds as they offer much-needed flexibility. One can invest a small amount periodically. However, this is not the only factor that is making mutual funds so popular these days. Mutual funds are one of the few investment vehicles that have the potential to offer inflation-beating returns. Inflation is something that reduces the worth of your money or investment over time. A product costing Rs 100 today may cost Rs 175 after five years.

If your investment doesn’t produce inflation-beating returns, then inflation at the rate of 8% will eat half of it in a period of eight years.

Silver

It’s our Silver Wedding Anniversary and 25 years just flew by.


I would like to say first congratulations to both of us and for the two precious children we have, we can say, it’s worth the journey.


We’ve had our ups, we’ve had our downs. Times are hard, but if we’re together, nothing is impossible. No burden is too heavy to carry.
I want to say that we should add several more decades to our married bliss. More blessings to come. More surprises. More joys and laughter.

Less tears. Less problems. Just one bright and positive and happy existence together with our beloved kids who are so precious they just don’t know how much we love them.
I love you so much. I don’t know what else to say, but I will always be here for you. I know nothing else but to take care of you.

Robusta and Arabica

Arabica and Robusta beans are 2 different species of our beloved coffee, but they are the two most commonly cultivated beans for coffee consumption.
Arabica coffee beans are more oval and flat in shape, and pack a sweeter, lighter, smoother taste. They also have more oils in the beans themselves, so they can pack more fruity, zesty, sweet flavors. Arabica beans accound for about 75% of all the coffee on the market, and are typically more expensive to purchase.
Robusta beans are slightly smaller and rounder in shape, and pack a stronger, bitter, powerful taste. Since they have less oils, they often have more natural, earthy, heavier flavors. They account for 25% of coffee on the market, and are often less expensive than Arabica beans.
Arabica is widely considered the most popular coffee among most drinkers, mainly because the smoother, softer, lighter taste is easier for more people to enjoy. Latin America, specifically Brazil, is currently the largest producers of Arabica coffee with Vietnam leading the way in Robusta coffee.
Robusta beans are lesser known and consumed than Arabica beans due to their more bitter taste. They are grown at a lower altitude, and are commonly grown in the Eastern hemisphere, in places like Africa, Indonesia, and Vietnam, Vietnam being the highest producer of the plants.

Robusta beans contain more caffeine than the Arabica beans. Robusta beans contain 2.7% caffeine content. Contrast that with the 1.5% caffeine content found in Arabica beans and you’ll see why Robusta, with almost double the caffeine content, is tailor-made for those who love a hearty boost of caffeine in the morning.

However, caffeine content isn’t the only difference. Arabica beans contain 60% more lipids and almost double the amount of natural sugars when compared to Robusta. This can definitely impact the taste of the coffee, but we will talk about that later.

Many know that coffee contains many healthy antioxidants, but not many know that the amount of antioxidants vary between coffee species. For example, Robusta beans contain 7 to 10% Chlorogenic acid but Arabica beans only have about 5.5 to 8% CGA.

Now, what do you prefer, Arabica or Robusta or both?

WINSTON CHURCHILL

This man, Winston Churchill, the prime minister of England, said: I loathe exercise!!!
But he lived to be around 90 and he smoked cigars.

I get my exercise being a pallbearer for those of my friends who believed in regular running and calisthenics.
By
Winston Churchill

Whenever I feel the need to take some exercise I lie down until the feeling goes away.
Also By
Winston Churchill