Post Office State Scheme: Monthly Income of 9000 Rupees and Return on Investment

In recent days, gold prices have significantly decreased. On the MCX exchange, the price for 10 grams of 24-carat gold is about 1.41 lakh rupees. Today is the festival of Dhanteras, and those planning to purchase gold should pay attention to the advantageous aspects of this purchase.

Most people still prefer to buy physical jewelry, avoiding digital gold. In our country, gold is considered an investment tool. However, many make a mistake when buying gold jewelry for investment, which can subsequently result in a loss.

Although women most often insist on buying jewelry, they are often unaware of potential losses, and jewelers do not always provide them with this information. Jewelers, striving for their own profit, usually advise clients to purchase jewelry specifically.

When purchasing jewelry, buyers must pay three components: the cost of the item itself (depending on weight), the making charge, and VAT (3%). Regardless of whether the payment is made online or offline, the VAT is only 3%.

However, if you are considering buying gold from an investment perspective, it is worth changing your decision. A more profitable option would be to purchase gold coins or gold bars. Coins are available even at a weight of 1 gram, and coins will bring greater returns in the future compared to jewelry.

When you buy jewelry, you have to pay for the making charge, which jewelers usually add at a rate of 15 to 20 percent. For designer jewelry, this fee can reach 25–30 percent. Imagine if you purchase an item worth one lakh rupees, and the making charge alone amounts to 15 to 20 thousand rupees.

Furthermore, if the jewelry has stones set in it, their weight is included in the total weight along with the gold. This means that when selling such jewelry, you will not get back the value of the stones. Only the value of the gold will be considered upon sale or exchange, and the money spent on the making charge will be lost. Thus, by purchasing jewelry, the client is guaranteed to lose 15 to 20 percent.

So what is the solution? If you want to keep gold at home, it is better to buy gold coins, as no making charge is levied when purchasing them; you only need to pay 3% VAT. When selling gold coins or bars, you will receive the full value, unlike jewelry. Why incur losses by buying jewelry then?

If you still decide to buy jewelry, be sure to consider the following points. Jewelers often mislead customers by adding various fees to the bill, and due to lack of information, customers cannot object. They may charge additional amounts under the pretext of polishing or labor costs, which is a violation of the rules. You have every right to refuse such payment and file a complaint against the jeweler.

It is important to know that jewelry is not made from 24-carat gold. Most items available on the market have a purity of 22 or 18 carats. Therefore, when purchasing, you must clarify the current price of gold on the foreign exchange market to acquire the item at a fair price.

The most important thing is to always negotiate the making charge. Many jewelers are willing to reduce this fee after bargaining, as the main profit for jewelers comes precisely from the making charge, which can reach 30 percent.

Always demand an original receipt (Original Price) so that there are no problems in the future regarding the purity and weight of the item upon sale. Regarding purity, you should only buy items with a hallmark.

When visiting mountainous regions, visitors often encounter kiosks selling Maggi and tea, as enjoying food in the mountains has a special appeal. These sales points can be found in almost any location or on untrodden routes.

However, few people know how much income the owners of these small stalls, which usually consist of one table and five to seven chairs, generate. Even in the low season, they are able to make a significant profit. A video shared on social media has gone viral, in which one person shares information about their revenue.

This viral clip tells the story of a Maggi seller in Rohanteg Pass in the state of Himachal. In the video, one person stated that this stall is located in the middle of the snow and that the seller earns a good income. Harsh Chauhan, as he called him in the video, asked the owner about his earnings. The answer was that it is currently off-season, and the earnings during this time are not high. Nevertheless, Harsh asked about the income outside of the season, after which the seller disclosed his financial figures.

The content creator stated that the Maggi seller reported selling between 60 to 70 plates of Maggi and about 200 cups of tea. Additionally, eggs and other products are sold. It was also noted that the price of Maggi is 100, and tea is 40. After this, Harsh calculated: if 60-70 plates of Maggi and 200 cups are sold, it brings in 8000 rupees from tea and 6000 rupees from Maggi. Thus, the monthly turnover reaches 500 thousand rupees.

Based on this data, content creators speculate on what income the business might generate in the high season. After the video became popular, users started leaving comments. Some noted that setting up the stall in such a place is not easy, and delivering goods there is very difficult. Others point out the expenses, while a third praises the Maggi business itself.

According to data presented at the meeting of the Council on Monetary Policy of the central banks of the member states of the Eurasian Economic Union (EAEU), the share of settlements in national currencies for the export and import of goods and services in 2025 was 93.5%.

This was reported by Roman Golovchenko, Chairman of the Board of the National Bank of Belarus, at the meeting of the Council on Monetary Policy of the central (national) banks of the EAEU member states. According to him, in the first eight months of the current year, the volume of mutual trade between EAEU countries reached $67.6 billion, an increase of 11.5% compared to the same period last year.

Forecasts indicate that the volume of mutual trade this year will grow by 10%, reaching almost $106 billion. Roman Golovchenko emphasized that this speed of mutual trade confirms the economic stability of the EAEU countries, including their ability to withstand external pressure, as well as the need for integration ties.

Participants of the meeting discussed the current economic situation in the EAEU countries, the process of implementing monetary and credit policy, and exchanged experiences in combating illegal payment operations. Furthermore, they considered the experience of using central bank digital currencies of EAEU countries and the prospects for their implementation, as well as issues of virtual asset regulation.

The Eurasian Economic Union (EAEU) is an international economic association that has been operating since January 1, 2015. The Union includes countries such as Russia, Armenia, Belarus, Kazakhstan, and Kyrgyzstan. Uzbekistan obtained observer status in the EAEU in 2020. Cuba and Iran are also observers.