Nowadays, using credit cards has become an integral part of our financial life as the benefits they offer are unavoidable. These cards, also known as plastic money reduce the financial burden of consumers with their policy of buy now and pay later. Having a credit card gives you the freedom to shop without worrying about your expenses.
However, in the midst of all benefits, don’t forget that these cards must be managed wisely. If you fail to do so, your credit score will be affected negatively.
CIBIL score is the crucial element that displays your financial health. Furthermore, not only in a home loan or any other loan application but this score also plays a vital role in the approval or rejection of your credit card application form.
Here are the different factors that influence your credit score.
Repayment History
Your repayment history is one of the essential elements that affect your score by nearly 35%. Paying your outstanding bills and EMIs in a timely manner is important to maintain a good credit score. Also, if you have a history of missed payments, you will be considered a defaulter, which will negatively impact your credit score.
Whenever you apply for a credit card or personal loan, the first things that any financial institution takes into consideration is your credit score. If you have an organized payment history, it will prove you as a trustable person.
Holding Duration of Your Credit Card
Another factor that can affect your credit score is the holding period of your credit card history. A card that you’ve had for a few years vs one that you’ve just used for a few months can provide deeper information about your buying habits and is, therefore, more beneficial to your credit score.
Credit Utilization Ratio
The credit usage ratio is a percentage that indicates how much money you have spent in relation to your credit card limit. This ratio accounts for around 30% of your credit score. Overspending and exceeding your credit limit will significantly hurt your credit score. Maintaining a low credit usage ratio, on the other hand, demonstrates that you can effectively manage your spending.
Multiple Credit Cards
Although using many credit cards might enhance your financing limit, it can also harm your credit score. Maintaining many cards and keeping track of their outstanding invoices or dues can be difficult, resulting in missed payments and a negative impact on your credit score. As a result, having a limited number of zero interest credit cards is recommended in order to successfully manage them.
Hard Inquiries
When you apply for a credit card, your application is recorded on your credit report. Before approving or rejecting the application, a lender checks the applicant’s credit report which is known as a hard inquiry. Multiple simultaneous inquiries in a short period of time will affect your credit score severely. Hence, it’s wise to limit your credit card applications.
Concluding Comments
Without a doubt, credit cards are the easiest way to purchase products without financial worries, but if they are not used responsibly, they may cause a slew of issues. Credit card usage and management that is disciplined can help you create a good credit score, which will help you achieve your life objectives and maintain long-term financial independence.
Portrait of a young woman with a cup of tea in a cafe.
India is the second largest producer of tea in the world, second only to China. It is one of the largest producers of orthodox, CTC, green, and organic teas. The tea industry in India is the second largest employer after the Indian Railways. It provides numerous direct and indirect job opportunities across the country. The industry contributes significantly to the Indian economy and earns a substantial chunk of the total foreign exchange. According to Statista, the export value of Indian tea for the fiscal year 2021 was over 56 billion Indian Rupees, a slight decrease from the previous year’s 58.5 billion Indian Rupees. This minor decrease can be attributed to the chronic COVID pandemic. According to some projections, the Indian tea industry is expected to produce an annual crop of 1.40 million tonnes by 2026.
With such a massive tea market, India surely offers a great career in the tea industry. Many multi-million-dollar businesses have bloomed around this tea industry recently. Below, we have listed some of the best tea-based businesses.
Headquartered in New York City, New York, United States, Kung Fu Tea is an American beverage franchise founded in 2010. The franchise operates more than 290 outlets throughout the United States. It has recently begun its operations in Canada, Australia, and Cambodia. Known for its bubble tea, Kung Fu tea is renowned for unrivaled quality, utmost precision, and attention to detail. Kung Fu Tea is also known as the Starbucks of bubble tea. The Kung Fu Tea menu includes drinks named Classic, Milk Tea, Punch, Milk Cap, Yogurt, Slush, Milk Strike, Espresso, Seasonal, and many others.
Ding Tea is a well-known beverage franchise founded by Mr. Xu Wei-Xiang in 2004. The Taiwanese brand is aimed at providing high-quality authentic Taiwanese tea to its customers and hence promoting the Taiwanese tea culture.
Ding Tea is renowned for serving traditional boba tea, milk tea, and fruit juice made fresh to order.
MBA Chai Wala is a pan India chai venture founded by Prafull Billore in 2017. Once an aspirant for Business Administration (MBA), Prafull was unable to get admission to the reputed Indian Business Schools (IIMs). He started his Chai Business in Ahmedabad with an investment of Rs.8000. Today he owns a multi-million-dollar company having a Rs 4 crore turnover business and 50 outlets pan India. Prafull sells chai in earthen pots with toasts and tissues which attracts many customers. The MBA in the brand’s name refers to Mr. Billore Ahmedabad, not Master of Business Administration, says Prafull.
Anubhav Dubey and Anand Nayak realized that chai is one of the most consumed beverages in the whole world. Especially in a typical Indian household, chai holds a unique status. The duo decided to start a tea café chain in Indore in 2016 with an initial capital of Rs 30 lakhs. The founders claim that their brand is not for classes but the masses, and aims at the common customer. Tea at Chai Sutta Bar starts at Rs 10, which makes it quite affordable. The brand has more than 200 outlets in 100 cities and claims cumulative sales of 100 crores.
Vahdam Teas was launched in 2015 by Bala Sarda. The company is India’s largest digitally native, global wellness brand and has taken the country’s finest teas and superfoods to consumers across the globe. Bala Sarda was raised in New Delhi and graduated with a bachelor’s degree in Business Studies. His father was born and raised in Darjeeling, a city in India famous for its high-quality teas. Sarda has more than 85 years of lineage in tea. He realized that despite the high production of tea, India was dependent on bulk exports of raw materials. What lacked here was a native brand that can take these premium teas to a global level. Sarda took it as an opportunity and created India’s biggest herbal tea brand Vahdam Teas.
A 6th generation tea planter Atulit Chokhani, once visited a family-run vineyard in South Africa which was marketing stellar wines. He realized that he could do the same with his 150 years old family-run business. He got back home and started Tea Shelf with his family members Srinidhi and Smriti. Today the brand deploys its 150 years of experience in the production, collection, packaging, and distribution of some of the finest teas in the world. The Tea Shelf sells teas in both bulk and retail divisions and has its customer base in both domestic as well as international markets.
Chai Kings is a franchise model business that was founded in 2016 by friends Jahabar Sadique and Balaji Sadagopan. The tea chain has grown from 4 to 40+ outlets in just a few years. The brand is known for its delicious-smelling hot teas of different flavors like ginger, masala, iced, Sulaimani, etc with minimalist branding.
Pankaj Judge’s love for tea motivated him to provide every chai lover with a hygenic, home-like, and affordable cup of chai. This desire led Pankaj to create Chai Thela, a chai-based start-up that ascended to 3rd position in the list of top 10 Indian start-ups serving tea in 2018. Currently, Chai Thela operates around 35 cafes in 9 different Indian states and many more are in the pipeline. The USP of Chai Thela is the traditional Indian earthen pots (called kulhads) for serving tea to customers. The brand claims that by doing so it not only becomes environment-friendly but also supports and promotes local businesses.
Tpot Café
Tpot Café is a tea-based start-up headed by its founder Robin Jha. Based out of Delhi, the food and beverage brand has recently raised INR 6 crores and has opened 20 cafes all over Delhi. Tpot Café offers a large array of different flavored teas. The brand is well-known for its Hibiscus cold tea, and also offers seasonal tea for different occasions. Robin, the founder of the brand aims to enhance the mark to 250-300 outlets in at least 4-5 cities in India in the upcoming years.
Remember that finding simple nail patterns to duplicate at home is not as simple as Pinterest and YouTube instructions would have you believe. The average individual has struggled to apply a particular shade of polish without putting it all over their cuticles, much alone free-hand any nail-art pattern. And that’s a real bummer if you enjoy having ornate nails. While everyone enjoys a trip to the nail salon, most people’s finances can suffer from even one monthly manicure with the additional expense of nail art.
Even while it may seem nearly complicated to paint your nails at home, there are several manicure designs that virtually anybody can master without extensive practice or formal training. In light of this, we decided to gather together 14 of the most approachable nail designs ever created by searching the Internet. So, continue reading to discover a variety of simple nail designs that will make the idea of doing nail art at home feel much less intimidating.
5 Simple Nail Art Ideas For Office Going People!
Nails art
Working women frequently hunt for elegant and simple nail art ideas for the workplace. At work, you’ve experimented with natural nail polishes that look polished. A fantastic choice for nail art may be acrylic nail tips.
Metallic-finish nails
Soft colors let you create the perfect metallic look. For example, pale pink metallic nail polish is a terrific option for professional women. Additionally, you can dress in soft hues like beige, white, or grey.
Tips for French Nails
French white nail tips can be a classic style for women at work. Choose between conventional French and balayage French tips for the perfect business look.
Decorative Nails
Styles of marble nail art have gained popularity recently. You can choose from various vibrant manicure colors or combine white and black nail polish.
Charm of red
Strongness radiates from bright red nail paint, making it a fantastic choice for an office environment.
Pastel and Soft Nails
Most women choose pastel and bare skin tones for the most attractive and elegant corporate look. However, using natural colors to paint your nails can be a great option.
A woman’s nail, designed with nail art on a pink background
New nail art to attempt with the new year in college! Of course, you will be dying to try the adorable nail styles that 2022 has to offer. Unexpected nail art is a creative and enjoyable way to switch up your appearance. And don’t worry, it doesn’t matter what length your nails are; you can make the nail art below on any nail.
Additionally, you can do your manicure designs at home or even buy press-on nails that already have the designs on them, so you won’t have to worry about shelling out a tonne of money at a nail salon. If you’re eager to experiment with some cute nail art, you may be wondering what styles will be popular in 2022.
Pink fingernails
This year’s strawberry nail trend is by far our favorite. Recently, strawberry patterns have been incredibly trendy, even on nails, and we adore the style since it has such a cute, girly feel. So, if you share our love for this new trend, we suggest adding it to your list of nail art designs to attempt this year.
Sky nails
We suggest attempting this year’s cloud nail design trend if you enjoy blue nails. Popular and simple to perform at home. So choose this the next time you want to experiment with a straightforward nail style.
Heart nails with layers
We are sure you are familiar with this nail art if you were a fan of the Powerpuff Girls as a child. For many, it is just a simple layered-heart nail design, but if you are a true fan of the cartoon, you know that the Powerpuff Girls are the inspiration for this design. This is a lovely way to put a heart design on your nails and an excellent nail design to attempt if you like y2k designs!
Textured nails
This nail trend may have lately appeared because it is also growing in popularity. This year, textured nails are trendy. This season, we’ve seen sweater nails, crocodile nails, and flower nails, among other popular textured manicure styles. Because you can make a girly design with textured flower nails, it is our favorite—such a cool and distinctive appearance.
Daisy nails
You can certainly paint your flower-shaped nails if you want to! But, of course, if you love daisies like us, you should go for them. But because they are so simple and fashionable, we suggest creating these daisy nails if you want the flower nails to look like a DIY.
Five nail designs for festivities
Manicured female hands with stylish pink nails and design. Trendy modern design manicure. Gel nails.
Festivities are a way to celebrate life. And it would help if you had perfect nail art to celebrate festivities. So we have compiled the five best designs for you to get into festive feels.
Nails with tiny hearts
It’s exciting and rare to see micro-patterns. With their delicate, labor-intensive patterns, they demonstrate that you take great care to maintain the appearance of your nails. These heart-shaped nails’ reverse detailing is beautiful. If hearts aren’t your thing, try lightning bolts or music notes. Change the colors as well.
Dark and Light
White and black nails are always in style. We enjoy employing negative space in this design, and these two tones may be combined to create countless designs. In addition, we get a sense of movement and dance from the wavy lines. This look is ideal for people who want to add some flow to their style.
French manicure
A timeless look, the French manicure has undergone a tremendous transformation recently. White tips are a thing of the past; today, we demand eye-catching, wild designs.
Green hues
The color green has been popular on nails throughout 2021, and we believe it is the ideal festive hue. In addition, we adore the way these wavy green hues with a background of space look. So this one is for all the earthy chicks.
Gorgeous blues
The ombre manicure style from last year has been updated with these blue nails. This dotted French and monochromatic nail art are gorgeous, and we adore the blue hues used. We feel futuristic and in the zone, thanks to the dots.
“Life is not perfect, but your nails can be.” So why not get your desired shape and enhance your confidence factor today! You can join the short-term nail art classes and become perfect in designing your nails according to the occasions you attend.
Well dressed brunette with dark lipstic standing in a restaurant and looking to the camera
It’s not necessary to be afraid of black lipstick. It’s 2022, and you’re behind the times if you haven’t tried wearing black lipstick yet. It’s not only edgy but also one heck of a look when paired with a deep smokey eye—or, better yet, a contrasting neutral shadow.
A perfect example is the dark rich drama achieved with black lipstick. However, any black lipstick will not suffice. When you’re wearing a lip color that dark, you’ll need a top-of-the-line formulation to keep your lips from flaking, fading, or drying out before the day is done.
And if you think I’m going to talk poetic about how beautiful black lipstick is while failing to give you the best options, you’re mistaken. So, today, we are sharing the 20 most excellent black lipsticks on the market that you need to add to your makeup collection as soon as possible.
KVD Beauty Everlasting Liquid Lipstick in Witches
To kick off this best-of list, we bring the KVD Everlasting Liquid Lipstick, which is appropriately named witches. This matte baby will keep you looking great all day, and it has a deep, dark pigment. This bb will fulfill all of your black lipstick fantasies.
Colour Pop Cosmetics Lip Creme in Hello Boys
Colour Pop Cosmetics Lip Creme is hybrid lipstick that contains a solution that combines lipstick’s color with lip balm’s benefits. Consequently, you’ll get a tremendous mousse-like consistency that’s highly pigmented and moisturizing.
MAEPEOR Black Matte Lipstick and Lipliner Set
You’ll need to line your lips if you’re anything like us, wearing a dark lipstick hue. Maepeor Black Matte Lipstick and Lipliner Set is the best option for you. You’ll get a dark eye/lip liner pencil and a black matte velvet liquid lipstick in this combo, making it easy.
Make Up For Ever Rouge Artest Intense Color Beautifying Lipstick in Edgy Black
The form of the genuine product is the most excellent characteristic of this black lipstick. The expanded design resembles a lip brush, making it the most straightforward application ever—which you’ll need when working with such a dark hue. Find the product here.
Melt Cosmetics Ultra-Matte Lipstick in Bane
Although a matte lipstick isn’t typically thought of as “creamy,” this one glides on your lips thanks to its silky smooth texture. So, bye-bye, spotty, dry lips. Find the product here.
Pat McGrath Labs Lip Fetish Noir Lip Balm in Noir
So you want to try black lipstick but aren’t ready to commit to a highly saturated shade? Listen, we understand what you’re going through. This Queen Pat McGrath Lip Fetish lip balm won’t turn your lips black, but it will give them an extraordinarily faint wash of color distinct to each wearer.
Black Glossy Lipgloss
We couldn’t compile a list of the most incredible black lipsticks without including a killer black gloss. Any of the lipsticks on this list would look great with this Blackberry Pie color. If you’re not a fan of the matte look, try this bb to add a bit of shine.
Gucci Rouge à Lèvres Satin Lipstick in Crystal Black
If you’re feeling particularly wealthy, why not invest in a Gucci lipstick if you’re feeling particularly wealthy? Who’d have guessed they’d come out with black lipstick with such a luscious, creamy satin finish?!
Sephora Cream Lip Stain Liquid Lipstick in 28 Night Bird
The creamy, weightless smoothness of this best-selling liquid lipstick is commended. Furthermore, the product provides full coverage, is long-lasting, and is transfer-proof, all of which are necessary for any black hue. Find the product here.
Smith & Cult Hydragloss in Iridescent Black
Sure, classic matte formulas are lovely, but why not have a little fun with your black lipstick by adding a sparkle of glitter? The additional squalene butter will keep your lips hydrated all day, and the gel base will keep their shine. Find the product here.
Smashbox Always On Lipstick in Tar Pit
The problem with wearing black lipstick is that it would be a disaster if it splattered all over you. Consider this scenario: a drop of water falls on your lips accidentally, and you’re suddenly a mess. This Smashbox solution will hold your lips in place all day, even if you have a little water on them.
Nars Powermatte Lip Pigment in Paint it Black
Nars’ black matte lipstick gives the impression that you’re wearing nothing on your lips. Others may not notice that you’re wearing a black lip, but you’ll quickly forget about it.
Fenty Beauty by Rihanna Stunna Lip Paint Longwear Fluid Lip Color in Uninvited
Try giving this bb a good shake before applying it to your lips. You won’t need a liner or touch-ups during the day because it’s so pigmented. Then, drops the mic and adds it to the cart. Find the product here.
Colorfix Eye, Cheek, and Lip Cream Pigment in Blackout by Danessa Myricks Beauty
You may create the ideal smokey eye, wear the edgiest blush, or apply the darkest and most pigmented black lipstick with only this one product. Talk about getting a bomb look for your buck. Find the product here.
Marc Jacobs Beauty Le Marc Liquid Lip Crayon in Blacquer
This black lip crayon has a lot of pigment and can be used as a lip liner and lipstick. It has a creamy texture similar to liquid lipstick, yet it is created as a lip crayon for ease of application. Find the product here.
MAC Retro Matte Liquid Lipcolour in Caviar
The MAC Retro Matte Liquid Lipcolour is an OG matte liquid lipstick on the market. It’s been a beauty community favorite for a long time because of its distinction as one of the sleekest products on the market.
NYX Suede Matte Lipstick in Alien
If you’re a die-hard admirer of NYX’s suede matte lip liners, you’ll be happy to learn that the brand now offers a line of lipsticks with the same formula. So don’t worry about this matte gothic black hue drying out on you; it’s been precisely developed to keep your lips looking smooth all day.
Necromancy Lipstick in Morgue
Gothic beauty business Necromancy provides a fantastic black lipstick with the loveliest, most subtle—golden undertone if you’re seeking a vegan product that delivers.
Manic Panic Lethal Lipstick in Nosferatu
This famous matte black lipstick is fantastic for adding a lethal dose of sharpness to any cosmetic look. It’s richly dense with a smooth, silky feel. Find the product here.
Black Radiance Perfect Tone Lip Color in Blackout
Black Radiance has pioneered many an edge color and formula for Black women over the years, and this bold lip color is no exception. It also contains vitamin E, which gives you a flake-free, nourishing lip.
Why not black? After all, we’ve lauded lipstick hues like nude and matte brown (yes, really), so why not black? True, black lipsticks aren’t for the faint of heart, but that doesn’t mean that specific formulas haven’t won us over.
There are many benefits to having teenagers work in the summer. It is not only a question of economics, the fundamental thing is that young people learn values and responsibilities useful for their future life.
Teens working in the summer is not a reprehensible action. If they are under 16 years old, they will not be able to do it formally, because the laws do not allow it. But there are simple tasks that will allow them to earn some money while also acquiring independence and a sense of responsibility.
Young asian teenager owner business woman work at home for online shopping,
Vacations represent a long period of leisure that can be used to mature and grow. Outside the classroom and the walls of the home, there is a wide range of opportunities for those who wish to start working. Students will also be able to afford to buy term papers if they earn enough money.
If parents agree, the first thing to do is to focus on the options by putting the child’s interests and affinities first. If the child likes what he/she is going to do, the experience will be a pleasant one and will be geared toward success.
Tips for teens to work in the summer
There is nothing wrong with teens working in the summer. However, if it is their first time doing so, they should be prepared to face the selection phase.
When the employer asks them, “Why do you want the position?”, perhaps the first thing that jumps to their mind is money. However, there are other reasons to argue that will give you an edge over the rest. Before bowing to any offer, they need to understand that, with the job, they will get multiple advantages. Here are some of them:
1. Personal growth
In a summer job, the young person will learn to socialize, and will reinforce their security and self-esteem; in short, they will understand that they can be free and independent from their parents. They will begin to value their own and others’ efforts and will replace leisure time with productive activities.
2. Work experience
Summer jobs help you clarify what you want for the future, and having teenagers work in the summer gives them their first glimpse into the workplace. They may have more flexible hours or less responsibility than adults, but they will gain commitment and discipline.
3. Resume
The adolescent will learn new skills and pursue a trade that can be used for professional development. Many jobs have a training and certification phase built into them. And even if it is a temporary assignment, a letter of reference can be requested upon completion and attached to their résumé.
4. Monetary reward
Aside from avoiding boredom and unhealthy activities, summer jobs offer financial benefits and teach financial literacy. Young people will be aware of what it costs to earn money and make sure they don’t waste it. Some teenagers apply for jobs to support their whims and also to contribute to their studies, for example, to buy a college essay.
How to find a job for the vacation months?
Although it is said that summer is for resting from schoolwork or having fun, none of this is incompatible with employment. It is a matter of knowing how to look for and organize oneself; the decision to work should be voluntary and the work to be performed should be in accordance with the teenager’s vocation.
The most common and most recommended jobs are babysitting, dog walking, teaching English or math classes, washing cars, cleaning gardens, and so on. Generally, they are offered in the immediate home environment and with people you know; you could also work as a receptionist or file clerk in an office.
Other options, such as pool lifeguards or camp counselors, require more responsibility. But as long as there is a willingness on the part of the adolescent and the parents, the challenges can be met. It may require specialized training, but it will be worth it. Handing out flyers or shopping on-demand are other viable alternatives.
Do summer jobs interfere with development?
As the adolescent acquires his own criteria for work and the benefits it brings, they will aspire to more and more: more work, higher income. This is where the parents’ main fear lies when it comes to granting permission; however, they are the ones who must remind them of their obligation to their studies.
A recurring fear of parents is that their child will become so independent that he or she will consider leaving home or leaving school. However, statistics assure us that they will certainly not do so.
At this stage, the young person has only just begun to see how much life costs and cannot yet undertake it alone. With all this in mind, it is worth giving him or her the chance to have such a rewarding experience.
Male worker in blue uniform outdoors with solar batteries at sunny day
Solar energy is the future, and why shouldn’t it be? After all, sun is a major source of energy that does not only exist infinitely but causes zero harm to the environment. Once you use solar energy to save electricity and reduce the impact of carbon footprint and the global warming, there’s no going back. There’s no switching back to traditional sources of energy.
So, if you are planning to get your hands on solar panels and install them on the roof of your house or the workspace, you must give equal attention to a solar battery. There are numerous factors apart from solar battery price that you need to check.
Source: Luminous
This is because most of the time, the only thing we consider is the solar battery price, which shouldn’t be the only case. If you buy a solar battery only based on the solar battery price, there is no guarantee whether it will work fine for a longer period as compared to a branded solar battery. Solar systems can be extremely useful for both commercial and non-commercial spaces.
Here are some of the different aspects that you need to focus on apart from just the solar battery price:
Battery Capacity
The first factor you need to focus on is the battery’s capacity. A solar battery can store 20 Ah to 200 Ah power. Though it will depend upon the backup you are looking for, other factors affect it as well. These include how much energy your home equipment requires and the size of the solar system attached to it.
Nevertheless, the bottom line is, the more capacity your battery has, the longer it will run during a power outage.
Technology Used
The technology used in the battery affects the solar battery price as well. Currently, there are three options available when it comes to batteries- tubular, flat-plate, and GEL. Maximum people prefer GEL and Tubular solar batteries. However, tubular batteries are highly effective and a sound choice.
Depth of Discharge
A battery needs to retain a minimal charge percentage to deliver outstanding performance. By knowing the depth of discharge, you will get to measure the extent to which you can utilize the battery without recharging it. For example, if you utilize the battery beyond its capacity, it may shorten the battery’s actual lifespan. Apart from this, the battery will not deliver the optimal performance it is supposed to. Remember to charge the battery before it hits zero.
Warranty Period
Solar batteries are designed to perform flawlessly and require infrequent maintenance. But that doesn’t mean you don’t require a warranty with the technology you’re buying. Connect with the sales support to know about the warranty period and the terms and conditions.
Generally, the warranty period extends from 12 to 48 months. But it differs from the type of batteries, and the brands you choose them from.
Charge cycle
Just like it’s essential to know the depth of discharge, knowing the recharge cycle of a battery is necessary as well to evaluate its life cycle and performance efficiency. But what makes a complete cycle? Every time your solar battery will completely use up its stored energy and then get fully recharged, it completes a cycle.
A typical solar battery can complete around 3,000 to 5,000 cycles, though this differs according to the solar battery and the brand. Therefore, when you are buying a solar battery, apart from enquiring about solar battery price, enquire about the charge cycle. Ensure that you choose one with a high charge cycle.
Parting Thoughts
Buying solar batteries is a little tricky task; however, keeping the right points in mind, you can reach a decision that will give you a higher return on investment. To invest in the best solar battery price, check out a wide range of solar batteries at Luminous, one of India’s most trusted brands.
When it comes to inverters, batteries, and solar products, you can trust Luminous with your eyes closed. So, what are you waiting for? Head to the Luminous website or showroom and buy your solar battery today!
Comparing life insurance quotes is critical for buying the life insurance policy that meets your financial goals. Therefore, always ensure that you compare quotes before you shortlist quotes and invest in a plan. A quick search online will give you tens of results across various life insurance companies and plans that you can choose from, helping you narrow down to a specific plan.
But, just comparing life insurance quotes is one thing. How do you buy the best life insurance policy that ensures that you have the best of both worlds? We are here to help!
In this article, we will look at a few points that you should keep in mind while choosing a life insurance policy so that you invest your hard-earned money into the right policy.
Image Source: Shutterstock
Premium Vs Sum Assured
Since there are tens of insurance plans available in the market, the end-consumer has literally countless plans that they can choose between. That also means that for the same amount of premium you may get a sum assured that varies across plans, meaning a particular plan may offer you a higher sum compared to the other; however, even then, there is something else that you must keep in mind as a lower premium with a higher coverage may not be the best option unless it meets some the next points we discuss.
Reputation Of the Insurance Service Provider
The reputation of the insurance service provider in terms of their solvency, market presence, assets held, number of subscribers, etc., are a few of the most crucial parameters. Therefore, no matter which insurance service provider you want to go with, it should be based on thorough planning and research. Look up the company in terms of how successful they are in terms of these parameters, as that would ensure that your claims are honoured and the money that you invest today gets you the returns you deserve tomorrow.
A life insurance plan is not only about the sum assured; it’s also about the additional riders and benefits that it offers. Check for riders and benefits such as critical illness cover, accidental death benefit, disability benefit, etc., should be a few of the things you must consider before buying a policy. The premium that you pay on the policy should give you more than just a life cover, shouldn’t it? After all, what is a recurring deposit if it doesn’t come with additional benefits!
Retirement Benefits
Some life insurance policies, such as endowment policies, come with a savings/maturity component and offers a lumpsum payout in the form of guaranteed returns once the policy has matured. While some others give you a regular payout for a set period after the policy has matured. Both these types of benefits come on top of the life cover benefit and can make for a great retirement plan as you get access to a lumpsum amount and/or regular payouts as part of the policy. So, if you are someone who wants to retire rich, it’s best to start planning early.
Market Linked Returns
Plans such as ULIPs offer even greater returns by giving you the dual benefit of a life cover and investment. By investing some percentage of the premium that you pay into market-linked plans such as equity, debt, etc., you can accumulate a large sum of money over the period of the policy. However, since it’s a market-linked policy, ensure that you know your risk appetite before investing.
Settlement Ratio
What good is a plan if it doesn’t deliver when most required? Therefore, always check out the insurance service provider’s settlement ratio to figure out the ones that have the best reputation when it comes too honouring claims. A life insurance policy is an investment to safeguard the financial future of one’s family, so should the policyholder pass away, their family shouldn’t have to run from pillar to post to get their claims honoured.
Tax Benefits
A life insurance policy offers tax breaks up to ₹1.5 lakhs in a financial year under Section 80 C of the Income-tax Act. This lets you save taxes and invest that money into building a financially secure future for yourself and your family.
You must know what recurring deposits are. A life insurance policy is unlike any other investment plan out there. The easy liquidity of the policy ensures that funds are immediately available to one’s family in case of the death of the policyholder, while other investments might take weeks and sometimes even several months to liquidate.
If you are looking for a great insurance policy, Max Life Insurance has some of the best life insurance plans in the market that stand out even when you compare life insurance quotes due to the numerous benefits they offer at affordable premiums. So, if you are thinking of buying a life insurance policy, do check them out today!
Romantic couple watching from boat at Dubai marina, United Arab Emirates
Best places to stay in Dubai: 2022 guide to Dubai accommodation for all budgetsAs a visitor to Dubai, the location you choose can make or break your vacation. While Dubai’s public transit system is fairly extensive, it is mostly centered on Sheikh Zayed Road, which runs along the coast through the heart of the city. You don’t want to waste half your day wandering around the city, so it’s best to prepare ahead and select the best place of visit in dubai.
Dubai is one of the best and safest cities in the world, so visitors should feel comfortable staying almost anywhere. The first thing to keep in mind is budget: there are plenty of cheap and budget hotels across the city. Here you can find some of the best bargains in the region, with prices starting from as little as 120 AED per night. Most of these cheap hotels come with a ‘budget’ tag, but they are well located and clean, often with decent amenities.
The next step is to look at safety and location. Dubai has a very safe reputation and violent crime is almost unheard of. The best places to stay in Dubai are mentioned as follows:
Best Western Plus Pearl Creek:
If you are looking for cheaper accommodation, yet still capable of feeling like a 5-star hotel, this is the right place as this building offers you some of the best prices in Dubai on accommodations. The Best Western Plus Dubai (Pearl Creek Hotel) is located in Dubai, 400 meters from the Twin Towers Shopping Centre. This Best Western hotel is located on the main road of Old Dubai. You will be able to reach it in the most comfortable way when you walk from the main terminal in Dubai Airport. The casino, which is one of the best ones in Dubai, is located in this area. There is an outdoor pool as well as a spa center within the hotel.
The Landmark Hotel Dubai:
Another great place to live in Dubai is The Landmark Hotel Dubai, located in the city of Dubai. It is the largest hotel in Dubai. It offers a world-class leisure center, fabulous views of the city, and a fully equipped gym available for guests. The hotel has a spa center, indoor and outdoor swimming pools as well as a tennis court, and an 18-hole golf course. And all of it, at a decent cost. The Landmark is also home to several restaurants where you can savor the best local dishes which include Mediterranean sea-food specialties, middle eastern delicacies, and many other options.
Jebel Ali Resort:
located in the city of Dubai, Jebel Ali Resort offers its guests a large variety of facilities and services. The Resort has a large garden with exotic plants and a large lake with an abundance of fish, as well as a swimming pool where you can relax and enjoy your vacation in Dubai. The Resort has different restaurants that offer delicious meals from all around the world. The Resort is only 1 hour from Dubai international airport (DXB) and the drive takes you through one of the best road networks in the UAE. The Jebel Ali Resort includes three hotels, JA Beach Hotel, JA Palm Tree Court, and JA Lake View Hotel, and all of them provide unique luxury experiences, on a budget!
The Atlantis:
The 5-star Atlantis, which is located on Dubai’s Palm Jumeirah Island and has its private sandy beach, offers breathtaking views of the Arabian Gulf. It has an underwater aquarium as well as free admission to the Aquaventure water park and the Lost Chambers Aquarium. All of the suites are decorated in an Arabian or oceanic style and have a balcony with magnificent views. The East and West Towers of the 1,548-room nautically themed resort are connected by the Royal Bridge Suite. The Aquaventure water park and the Lost Chambers Aquarium, which houses over 65,000 marine animals, round out the luxury experience.
Caesars palace Dubai:
Caesars Palace Dubai, located on the opulent Bluewaters man-made island and connected to the famed Jumeirah Beach, offers all of the hallmark aspects of the Caesars Palace experience. Every guest will be treated as a Caesar, from epic cuisine and awe-inspiring entertainment to luxurious amenities and legendary service.
Conclusion
Over the last few decades, the largest city in the UAE (United Arab Emirates) has been transformed into one of the most modern metropolises on earth. The hundreds of malls, houses, and huge numbers of hotels, restaurants, and bars gained the population a lot of profit and experience. Their profited presence in the world has accustomed tourists and residents that Dubai offers some of the most reasonable prices on entertainment products, licenses, hotels, and other things. The prices of houses, hotels, and apartments in Dubai are slightly lower than the typical market in other countries but they offer a lot of value during their operations. Moreover, the city has a lot of facilities to make your trip ideal!
Close up of table full of fresh vegetarian vegan food
t’s no surprise that so many people are adopting a plant-based diet now that the benefits are becoming more evident and significant. With the growing number of vegans and vegetarians, there is a more significant market for high plant-based foods that are both nutritious and tasty.
Vegan foods are no longer bland; food companies, eateries, and fast-food franchises are taking note and innovating in this growing cuisine area. When deciding which vegan products cut this year, we looked for best-in-class ingredient lists, flavor, and innovation.
So check out our picks for the most fantastic vegan food products in 2022.
Plant-Based Queso Style Dip
This clumpy guacamole is a must-try, but this organic queso-style dip is delicious and nutritious. Cauliflower, red bell pepper, almonds, nutritional yeast, and more are the dairy-free ingredients in this top pick. For a tasty vegan snack, serve this with crisps, pretzels, or your choice of vegetables.
Organic Cashew Milk Mozzarella
Healthy Organic Cashew Milk
Organic cashew milk is the first essential component of this vegan version of mozzarella. Miyoko’s has a terrific line of vegan non-dairy in general, and this cheese has a great flavor and looks and acts like classic mozzarella. It’s excellent melted on pizza or sliced into fresh bruschetta.
California Veggie Burgers
Our nutritionists love the fresh whole foods nutrition label and the fact that this burger has ten different kinds of vegetables because it’s packed with natural vegetables like carrots and string beans. So, this alternative cooks up beautifully and tastes lovely and is also a convenient solution in a pinch.
Organic Jackfruit
In vegan cooking, this huge tropical fruit is a popular meat alternative. Jackfruit is an excellent fiber source and has many nutritional benefits. Many people prefer it since it can be cooked or shredded like chicken or pig in various vegan meals. In addition, the green jackfruit found in cans has a neutral flavor that allows it to take on a variety of flavors.
Organic Dairy-Free Sour Cream
Forager sells dairy-free yogurts, vegan cheese, and plant-based milk, all of which are entirely plant-based and USDA organic. In addition, their organic dairy-free sour cream is created with organic cashew and coconut milk, making it a creamy and tart sour cream alternative. Serve atop homemade meatless tacos or vegan chili with a splash of guacamole.
Large Flake Nutritional Yeast
Nutritional yeast is made from the yeast Saccharomyces cerevisiae, which is inactive. This delicious and nutritious vegan staple has a thick cheese-like flavor. It’s also high in B – complex vitamins and the most healthy yeast on the market, making it popular among vegetarians and vegans. It’s delicious on popcorn, pizza, and spaghetti.
Protein Pancake & Waffle Mix
Pancakes made with protein powder
Orgain has a wide range of vegan and non-vegan protein smoothies and powders. Their new line of plant-based protein pancake mixes is USDA-certified organic. This 50 superfoods mix, in addition to its whole wheat & oat variation and gluten-free mix choice, has a lot of fruits and veggies without sacrificing flavor or texture. In addition, the package has a vegan preparation option that only requires water.
Organic Thai Coconut Curry Hummus
Hope Foods’ plant-based dips and spreads impress us with their fresh ingredients and robust flavor profiles. Without artificial preservatives, they use cold, high pressure to help keep fresh flavors and maximize nutrition and texture. This Thai Coconut Curry hummus, for example, is creamy, USDA organic, and incredibly flavorful, making it ideal for dipping vegetables or spreading on your favorite pita. Guacamole, avocado, walnut, and almond dips are other vegan options.
Eggs are a popular morning item, and many vegans struggle to give them up. JUST Egg, on the other hand, is a beautiful plant-based egg substitute derived from mung beans that pack a similar amount of protein without cholesterol. This choice performs similarly to scrambled eggs, and their new Sous Vide bites are flavor-packed.
Dairy-free Cream Cheese
This chive dairy-free cream cheese substitute is a top performer in the Good Housekeeping Test Kitchen, with a beautiful balance of chives and white pepper. The first component is almond milk, which has only 60 calories per two-tablespoon serving. Their alternative to everything, cream cheese is also famous, and it’s great on a bagel or slice of toast.
Earth Grown Vegan Black Bean Chipotle Burger
At a reasonable price, GH Seal Star ALDI Earth Grown offers an innovative array of vegan and vegetarian options. This black bean chipotle burger is vegan-certified, high in fiber, and full of flavor. It’s great on a baguette with avocado and roasted peppers or sliced in a taco.
Lemon & Herb Pieces
lemons
You’ll be astounded by this plant-based chicken substitute that looks and tastes like the real thing. Our testers liked how easy it was to make, how clear the instructions were, and how crispy it turned out even when cooked on the stove. The lemon & herb flavor was a hit in our tests. This option is also gluten-free; each serving contains 13 grams of protein and 5 grams of fiber.
No Dairy Alfredo Sauce
It is made with high-quality ingredients like cashew butter and avocado oil. It’s also Non-GMO Project Verified and free of added sugar. Our favorite is the classic alfredo sauce, which has a vibrant lemon flavor and is ideal for serving with your favorite pasta.
Organic Chickpea Snacks Vegan White Cheddar
Chickpea flour is the primary ingredient in these award-winning puffs, which are entirely vegan. This USDA organic option provides a rich amount of fiber and plant-based protein per serving. In addition, this snack’s crisp texture is a hit among testers.
Almond Breeze Unsweetened Chocolate Almond milk
Do you need chocolate milk? Unsweetened Almond Breeze Chocolate Due to the absence of added sugar, almond milk has a rich chocolatey flavor. This vegan beverage is also shelf-stable, making it an ideal pantry addition. It’s delicious on its own, but you can add it to your morning cereal for a decadent twist that will satisfy your hunger.
Banana Bread Mix Variety Pack
Loaf of banana bread
Your favorite comfort dish has transformed. This woman-owned firm employs natural, simple ingredients and offers a selection of vegan, nut-free, and gluten-free banana bread mixes. Simply combine bananas, maple syrup, oil, and plant-based milk, which you most likely already have on hand. Then combine everything and bake in a loaf pan or muffin tray. This is a fun exercise that the whole family can enjoy.
Egg Substitute Mix
This vegan baker’s dream is an easy egg substitute made with chia seeds and garbanzo beans. This vegan egg substitute can be used in any baked good recipe that calls for eggs as a binder. This isn’t the same as vegan scrambled eggs; this mixture is only for binding purposes.
Dark Chocolate Sea Salt Seed Bar
Organic pumpkin seeds, sunflower seeds, and ground flax seeds are included in this healthful bar’s seed blend. In addition, all 88 Acres products are vegan, and they’re made in a facility free of the top eight allergens: peanuts, tree nuts, dairy, eggs, fish, shellfish, wheat, and soy. Sesame, mustard, and sulfites are also not processed at their facilities.
Mexican 4 Cheeze Style Blend
Cheddar, Monterey Jack, Asadero, and Queso Quesadilla flavored shreds are among the four plant-based kinds of cheese in this dairy-free cheese blend. It melted beautifully and went well with tacos and quesadillas. Coconut oil and chickpea protein are among the ingredients, which are soy-free and Non-GMO Project Verified.
Plant-Based Protein Bars
Variety of vegan, plant based protein food
This vegan protein bar tastes excellent and offers half your daily fiber needs. This option is free of sugar alcohols and stevia, as well as being USDA organic, and contains 14 grams of plant-based protein. It isn’t chalky or artificial-tasting like other vegan protein bars on the market, according to testers.
“Veganism is not a “sacrifice. It is a joy.” stay connected with us for more.
Father’s Day is a holiday in which people honor the males in their life. It is a day for all of us to express gratitude to our fathers or father figures in our lives. Finally, it is a day for grownups to demonstrate their love and appreciation for the fathers and husbands in their life.
Although many others celebrate Father’s Day, we may not be aware of the tradition’s origins. Surprisingly, this festival was initially misunderstood. However, as time passed, people began to recognize the importance of fathers in their families, particularly in their children’s lives.
Why do we celebrate Father’s day?
Father’s Day is celebrated in the United States on the third Sunday in June to commemorate fathers. Sonora Smart Dodd of Spokane, Washington, is widely credited with inventing the holiday. Her father, a Civil War soldier, raised her and her five siblings after their mother died in delivery.
Father’s Day has become commercialized with the mailing of greeting cards and the gifting of presents, despite its origins as primarily a religious occasion. Some people follow the tradition of wearing a red rose for a live father and a white rose for a departed father.
Other guys, such as grandfathers or uncles who have taken on parental responsibilities, are frequently recognized today. As a tribute to fathers, some Roman Catholics have continued to celebrate St. Joseph’s feast day on March 19.
Father’s Day traditions from around the world
Father’s Day is dedicated to all the men in our lives who love and protect us and crack lame “dad” jokes. Around them are some vivacious traditions that celebrate the superheroes of our life.
America
Father’s Day in America isn’t complete without dad heating the grill, sports on the television, and plenty of alcohol.
Germany
From Oktoberfest to the Stuttgart Beer Festival, Germany has its fair share of beer traditions. Many people are unaware, however, that Germany’s beer culture extends to Father’s Day, with dads drinking beer, riding beer bikes, and celebrating with beer from morning to night.
Thailand
Father’s Day is observed on December 5 to honor King Bhumibol Adulyadej (his birthday), Thailand’s honorary father. Fathers all around the country receive canna flowers on this day.
According to Time, on Father’s Day in Russia, they normally go all out with parades to honor all of the fathers. The parades began as a military remembrance but quickly evolved into a tribute to men, with the Russian Armed Forces being honored and men receiving gifts from their children and partners.
Mexico
In Mexico, it’s always a fiesta, so it’s no surprise that Father’s Day is no exception. Father’s Day is commemorated in Mexico City with the Carrera del Dia del Padre, which takes place in late June.
Finland
Because Father’s Day happens on the second Sunday in November in Finland, it is celebrated with breakfast in bed, cake and coffee, and all the comforts of home.
France
Father’s Day was first celebrated in France in 1949 by Flaminaire, a lighter company. Lighters, not unexpectedly, were suggested as the ideal gift.
Japan
Fish plays a prominent role in Japan’s Father’s Day celebrations, which should come as no surprise. A large supper of crab or prawns is served on the big day (similar to shrimp).
Brazil
If you’ve visited any of the Brazilian steakhouses in the United States, you’ll have a better understanding of why Brazilians celebrate Father’s Day: they simply adore their food (deservedly so).
Gift ideas for your best man
What I Love about Dad Journal
Is there anything better than a Father’s Day card? An entire book dedicated to your favorite memories together, his most admirable qualities, and just about everything else that makes your relationship what it is.
Best Farter Ever Mug
Nobody loves puns as much as our dads. He’ll see the wonderful sentiment behind this fart-tastic mug after he leans into the humor.
Cooling Pint Glasses
A man of his caliber should not be satisfied with lukewarm beer. He can nurse a chilled beer, ale, or another fresh pint for hours if he keeps these glasses in his freezer.
Wireless Charging Station
He has every device possible, including a smartphone, smartwatch, wireless headphones, and so on. This ultra-slim charger may be placed on any flat surface and charges all compatible devices without cords or connectors.
Magnetic Wireless Power Bank
He may simply attach this magnetic power bank to the back of his phone to provide it with quick power. It even has a pop-out ring so he can maintain a secure hold when out and about.
Concrete Fire Pit
Place this little fire pit on a flat surface, apply a thin layer of rubbing alcohol, and enjoy the heat. It’s safe to bring inside, making it ideal for dating nights, family feasts, and late-night get-togethers.
Best Dad Ever Boxes
Upload six cute photos to be converted into this sentimental art print – choose from six sizes and a dozen frame types to help him show off his favorite family photos.
Personalized Super Dad Book
There’s no denying that he’s a superhero in his own right, but this personalized picture book with his name and portrait will cement his status even more. Your #1 guy rescues the day in this book – sounds a lot like real life, doesn’t it?
Magnetic Wristband
He’s already doing the task, but this magnetic bracelet will make hammering and drilling hours go by more quickly. It’s just the right size for keeping all of the screws, nails, bolts, washers, and drill bits he’ll need to do the job.
The Very Embarrassing Book of Dad Jokes
Our dads are master pun-makers. but they also need some new ideas to keep going. This book of dad jokes might just earn him a few laughs and giggles.
Massage Gun
Switch out the massage heads and adjust the speed levels to work out any tight muscles, kinks, or soreness. Each massage head targets a different trouble spot: calves, arm muscles, shoulders, and other joint pain points.
Customized photo frame
Customize a lovely photo frame for your superhero. You can go for bold designs and decorate them with your favorite Father’s Day image.
Leather Eyeglass Holder
Dad can protect his glasses from scratches by placing one of these upright leather cases in all the critical spots around the house — his nightstand, TV, and desk.
Sleep Aid Device
Nothing puts our dads into a good mood than a nice nap. With a touch of a button, this little device helps our superhero fall asleep naturally in eight or 20 minutes.
The Dad’s Bucket List
With 100 cards featuring conversation starters, games, and activity ideas, this is an excellent way for any son or daughter to bond with a dad.
Father’s day image ideas
You can bring these creative Father’s Day photo ideas to life to make this holiday special. These wholesome Father’s Day images will be more lovable for your dad than store-bought presents or last-minute maneuvers. We have gathered the most creative photo ideas that are quite easy to implement.
Kiss on cheek
Smiles as bright as the sky
Up up up in the air
Capture THE moment
Learn and grow together
The reading candid
We hope you have found some lovely gift ideas for the best man in your life. Stay connected to read more.
