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If there is an emergency, life and death issue, then a cell phone or regular phone can be used. Many forbidden actions that are not permitted on Shabbos can be done on Shabbos to save someone’s life. But that does not give any leniencies of holding the phone, carrying it around in case of an emergency.The best part of Shabbos is not being connected to the phone, but actually, be mindful of who is right in front of you and build real relationships with family, friends and your relationship with G-d.

Your savings should start with your first salary. Yes, you can manage to save a little even as a fresher or an intern (provided you get stipend, of course).Always pay yourself first. That means, the day you get your salary, you should put aside some money for investment and then proceed with your other expenses.Insurance is not an investment, it is an expense. Its surprising how many people get this wrong. Yes, you do get tax deduction under the old income tax regime, but you always “buy” insurance, you don’t “invest” in insurance.If you “save” money in your bank account or even in a bank FD, you are effectively losing money as inflation rate is more than the interest you get on your savings account. In case of bank FD too, you pay tax on withdrawal, so there’s hardly any profit.As an extension of point 5, put aside some money in a separate savings account, or FD or debt mutual funds. This should ideally be between 3–6 months of your monthly expenses. This is your emergency fund to help you tide over unforeseen emergencies like unexpected medical costs or job loss.Speaking of emergencies, buy medical insurance for yourself and your family, and term insurance for yourself, if you have dependents. Again, term insurance not life insurance. Don’t fall for hard selling by LIC agents. Know the terms and conditions.Before investing your hard earned money anywhere, do some basic research such as calculating the rate of return, the risk involved, the lock in period etc. Calculate or determine your short, medium and long term goals and invest accordingly. You don’t need to be an expert, just exercise basic due diligence.Investing in your retirement fund should start with your first job. Your little contributions will compound over time.Open a PPF account asap and start putting away some money each month. You cant touch that money for 15 years, so i’ll definitely grow. Disclaimer - there are exceptions to withdrawal of course.If your employer pays PF, deduct that amount from Rs. 1,50,000/- and invest the difference in tax saving mutual funds (ELSS). This would help in tax planning.Understand the components of your salary slip / tax returns / Form 16 / credit card, you get the drift. Financial literacy is the stepping stone for a secured financial future.If you can’t pay for that phone in cash, you can’t afford it. Don’t fall for the temptation of that EMI.Use credit card wisely, to earn rewards.Anything that loses value over time is a “liability” not an asset. This includes your car, your phone, your laptop, etc. The minute you leave the showroom with your shiny new possession, its value will decrease, this is known as depreciation. Don’t put money your can’t afford in depreciating assets or liabilities. That said, don’t withdraw your investments (asset) for a new phone (liability). Unless you have started an SIP specifically to buy a new phone.Learn the most powerful word in personal finance - Compounding. Suppose you invest Rs. 100. At the end of the year, you would earn an interest of say 10% (Rs. 10). If you withdraw the interest amount, your principal remains the same. However, if you reinvest the interest, your new principal would be Rs. 110. So the next year, you would earn interest on Rs. 110 and so on. Now, it might seem like too little money now, but imagine money growing by thousands for years. Yeah, thats whats PPF accounts and Mutual Funds do. Start a SIP (Systematic Investment Plan) now!!If it sounds too good to be true, it usually is.Invest in stocks only after doing adequate research. Don’t rely on “tips” from your friends and family blindly. Investing in shares can provide amazing returns, if done correctly. Again, “invest” don’t “speculate”.Invest in Mutual Funds. Period.

I would start with figuring out if it’s a municipality, county, or state road. The check their website to see if they have a way to report traffic light problems. If not, then try to locate the town, county, or state office or public works phone number.Go to the light that has an issue, on the pole that it is on will be a number plaque. Get that number and then use the website or call to report it. Describe which light, what the problem is, and the pole number. After that it is in their hands.If its not repaired in 2–4 weeks then call again. if it still is not fixed then take it to a town or county meeting. Make them aware that it is dangerous and a liability.