Why is the first AC coach train fare so high?

 Want to take a bath? Yes in the train? You have a shower option in the first Ac coach. That's different will it be clean or not?

Are you a couple? Need privacy? Indian Railway trains give you the option for a coupe and an exclusive private room on the train.

You don’t have to say excuse me sir during the lobby in the First AC train? None legs and hands are spread in the lobby.

You don’t have to beg for lower birth because you are aged or scared to climb on difficult steps of trains because First AC will give you a comfortable ladder.

Wanna taste good foods? Or fresh food direct from the Kitchen? The first AC provide the option of fresh food cooked at the train's pantry and delivered to you before it gets cold.

So tell this much facility that too on train will not be costly? Yea same train where in 3rd AC or sleeper people are fighting that in morning their is no reservations and non reservation people can sit on your seat.

What are some of the best short term investment options with high returns and low risk in India?

 Greetings,

If you’re saving for a short-term goal like a vacation, wedding, or emergency fund, you need safe and flexible investment options. Here are four solid choices:

1. Special FDs

We all know about traditional fixed deposits (FDs), but did you know banks offer special FDs with odd tenures like 400 days or 444 days? These offer higher interest rates than regular FDs.

Example: SBI’s 1-year FD gives 6.80% p.a., but if you wait for a 444-day tenure, you can get 7.25% p.a. Other banks have similar offers, so check for special FDs before investing.

2. FDs from NBFCs

While major banks and post offices offer around 7.5% p.a. for a 3-year FD, NBFC FDs (Non-Banking Financial Companies) can give even higher returns.

For example, Bajaj Finance offers 8.1% p.a. for a 33-month FD—a much better deal than regular bank FDs. You can invest in these through platforms like ET Money.

3. Debt Funds

Debt funds invest in corporate and government bonds, offering stable returns with more flexibility than FDs. Unlike FDs, they don’t have a fixed maturity, which means you can redeem your investment anytime.

SEBI classifies debt funds into different categories based on duration, so choose one based on your investment horizon:

4. Arbitrage Funds

Arbitrage funds make money by exploiting price differences of stocks between different exchanges (NSE & BSE). They offer low-risk returns, similar to liquid funds.

✅ Tax Advantage:

- Arbitrage funds are taxed like equities, which is beneficial for those in higher tax brackets.

• If you hold them for over 1 year, gains up to ₹1.25 lakh are tax-free, and any amount above that is taxed at 12.5%—a much better option than FDs and debt funds, which are taxed as per slab rates.

Hope it helps!

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What are the symptoms of high cholesterol? How to lower cholesterol levels?

 Common Signs of High Cholesterol on the Body

The signs of high cholesterol vary from individual to individual as some experience chest pain due to reduced blood flow to the heart while some experience skin deposits. Let’s talk about the common signs in detail.

• Skin Deposits: People whose cholesterol levels are going up may experience yellowish bumps or lumps on the elbows, knees, or buttocks. We know those yellowish bumps with the name of Xanthomas, which are fatty deposits. Some people experience cholesterol deposits called Xanthelasma appear as yellowish patches on the eyelids.
• Shortness of Breath: Shortness of breath is one of the major signs of increasing cholesterol levels. Whenever you engage in a physical activity, you will often feel running short of breath. The shortness of breath can be due to high-intensity activity, but if you experience shortness of breath with each activity, it is a sign that your cholesterol levels are going up and it is time to take control of them.
• Feet Ulcers: When your cholesterol levels are high, there will be poor circulation of blood and your body will experience open wounds or sores on the feet that don’t heal until your cholesterol goes down.
• Psoriasis: Even some individuals experience Psoriasis due to increased cholesterol levels. If you don’t know Psoriasis, in this problem, there will be red, pink, or purple patches of skin and it will become itchy.

These are some common signs that your body is experiencing high cholesterol levels and if you experience anyone among the above, the first thing you should do is to get medical tests done. The tests will confirm whether the problems you are experiencing are due to high cholesterol or due to some other reason.

The signs talked about above are minor problems and that’s why most people don’t take them seriously; however, the problems should be taken seriously; otherwise, these minor problems will turn into bigger ones later on. Now the question is how to drop your cholesterol levels all of a sudden. For your information, the cholesterol levels will not drop in a day. What you can do is stop taking the foods you are currently eating because your cholesterol levels will rise from the food you eat.