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Prevent Yourself from Getting Dengue: Symptoms, Treatment of Mosquito-Borne Diseases

The year 2019 recorded 48 lives being claimed due to dengue by mid-October. More than 67,000 individuals had been diagnosed with the ailment, as has been reported by the National Vector Borne Disease Control Programme (NVBDCP.) These numbers reflect how the ailment has become one of the biggest health concerns across the country. The endemic conditions of the disease can be attributed to the hot and humid climate of India, suitable as breeding grounds for the Aedes aegypti mosquito. This breed of mosquito is the root cause vector of dengue fever that might turn fatal if dengue fever symptoms are not treated at the earliest.

One of the primary steps to deal with dengue is to identify its symptoms and avail the correct medical measures.

Dengue symptoms

Dengue still continues to have a global impact, affecting approximately 390 million individuals each year. The dengue fever symptoms may vary as per the stage of disease.

  1. Typical symptoms

The initial dengue symptoms are mild and can be treated without much hassle if diagnosed at the earliest. It comprises –

  • Joint pain.
  • High fever.
  • Lower WBC count.
  • Severe headache.
  • Mild gum or nose bleeding.
  • Severe eye pain.
  • Easy bruising.
  • Bone and/or muscle pain.
  1. Dangerous symptoms

Considering that the infection gets complicated, the symptoms vary –

  • Vomiting blood.
  • Difficulty in breathing.
  • Severe abdominal blood.
  • Pale, clammy, and cold skin.
  • Patches or red spots on skin.
  • Drowsiness or irritability.

Irrespective of whether the symptoms are that of mild or severe dengue infection, it is imperative to approach for medical treatment immediately. Considering that the expenses to avail such treatments can be substantial, you can opt for a Dengue Insurance Cover offered by Bajaj Finserv under its Pocket Insurance & Subscriptions. This insurance plan covers the expenses related to medication and hospitalisation charges against a minimal premium of Rs.299 per annum. Such covers bring with it the convenience of multiple payment options that include –

  • Credit or debit cards.
  • Online account transfers.
  • Mobile Wallets, etc.

While such insurance plans cover the financial aspect for the treatment of the disease, it’s essential to have a comprehensive idea about the treatment procedure as well.

Treatment of dengue fever

As of yet, there is no given dengue treatment procedure considering that cures are specific to the cases. Doctors often recommend higher liquid intake to prevent dehydration from high fever and vomiting.

However, in case of severe dengue infection, individuals would need to opt for –

  1. Supportive care in hospital.
  2. Regular blood pressure monitoring.
  3. IV fluid and electrolyte replacement.
  4. Blood transfusion.

Such thorough medical treatment needs individuals to approach efficient healthcare options. While this ensures suitable treatment, availing them often involves high-end expenditures. Such financial requirements are well met by a hospital cash cover insurance policy that comes with an easy application process, coupled with an adequate sum insured. It makes the insurance cover an ideal way to deal with regular expenses while undergoing treatment at a hospital.

While dengue fever symptoms can be treated well with proper medical care, preventing the disease from occurring would be the best approach. Along these lines, it is essential to adhere by a few tips to prevent the disease.

Dengue fever prevention tips

Dengue can be avoided considering that individuals adopt a few healthy measures that include –

  • Wearing long-sleeved clothes to ensure the least skin exposure.
  • Use mosquito nets, screens, window-nets to prevent the mosquito from entering the room.
  • Emptying items that hold water in the surroundings to act as a breeding ground of mosquitoes, or the causes of dengue.
  • Use mosquito-repellents.

With such tips in practice, the chances of being affected by mosquito-related diseases like dengue are narrowed down. However, dengue is not the only monsoon disease that an individual should be aware of. With increased chances of falling sick or getting into accidents during the monsoon, owing to an escalated presence of bacteria and viruses, it is even advisable to have a monsoon insurance cover in place. Prevention starts with taking necessary precautions, which now should include a comprehensive health insurance policy.

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All About Vidyalakshmi Scheme and Education Loans Under It

According to reports from the Vidyalakshmi website, almost 54% of the total population of India is below the age of 25, and less than 5% of the entire workforce receives appropriate training to stay employed.

The Vidyalaksmi scheme aims to provide a way for such students to continue their higher studies and learn proper employable skills. As an initiative, the program offers a website where students can search, apply and keep track of availed educational loans and scholarships.

Features and benefits of Vidyalakshmi scheme

Here are a few features provided by the online Vidyalakshmi scheme portal –

  • Up to date information on educational loans offered by financial institutions. Details regarding eligibility, loan amount, repayment tenor etc. are listed on the website.
  • Availability of the Common Educational Loan Application Form (CELAF) issued by the Indian Banks Association (IBA). It is a universal form accepted by financial institutions all across India.
  • Applicants can apply to a maximum of 3 lenders via a single Vidyalakshmi loan application form or CELAF.
  • Financial lenders can download information submitted by applicants for verification. They can also inform students of the loan processing status via the website.
  • Applicants can address any grievances by directly sending an email to the financial institution.
  • The website offers a total of 99 different types of educational loans.

However, educational loans are only known to cover tuition fees. Daily and accommodation expenses associated with studying in a different state or abroad can be expensive and can be easily covered by a simple loan against property for higher education.

Besides these features, the Vidyalakshmi scheme also offers some crucial benefits, such as:

  • The website lists all information related to loans, scholarships, and lenders. This assures complete transparency between the lender and the applicant.
  • The exclusion of any hidden charges.
  • Students can keep track of their loans without having to visit the financial institution.

Eligibility

In order to apply for the Vidyalakshmi program, the applicant must fulfill these criteria:

  • They should be an Indian citizen.
  • Parental income up to Rs.4.5 lakh p.a.
  • They should already have secured admission in their preferred educational institute. Similar terms apply for overseas education. If you wish to pursue your graduation in one of the best American universities, you would have to qualify in the entrance examinations before applying for the loan.
  • Applicable for courses accredited by National Assessment and Accreditation Council (NAAC) and National Board of Accreditation NBA. Institutes that are not accredited have to be approved by respective regulatory bodies.

Application process

Created and maintained by the National Securities Depository (NSDL) e-Governance Infrastructure, here are the steps to apply for the Vidyalakshmi program –

  • Account registration

Account registrations require the applicant’s name, email address and a phone number. After filling up the details, an email is sent to the registered email containing an activation code which is valid for 24 hours.

  • Scheme selection

Applicants are advised to browse through these schemes before selecting a lender. They can also create a budget sheet to manage finances better if studying abroad or in a different part of the country.

  • Form fill-up

The application process consists of these seven sections:

  • Basic information.
  • Personal information.
  • Banker details.
  • Course details.
  • Cost of financial details.
  • Upload documents.

Processing starts once you have successfully submitted all necessary details.

  • Application status

The application status page allows applicants to follow up with lenders regarding the application status. They can email them or contact them directly through details listed on the website.

Necessary documents

Documents required for Vidyalakshmi loan are as follows:

  • Mark sheets.
  • Proof of admission to a particular course.
  • Income proof.
  • List of expenses as provided by the institution.
  • Form 16.
  • Latest IT return.
  • Copy of land records.
  • Undertaking letter in absence of PAN and Aadhaar number.
  • Photos of applicant, parent, co-applicant/guarantor.

The Vidyalakshmi website lists some of the top financial institutions offering educational loans to prospective students. However, educational loans do not cover daily expenses. Lenders, therefore, have introduced educational loans against property to ensure students can financially support themselves when they are studying away from home.

Bajaj Housing Finance Limited is an HFC that provides such loans with attractive rates on interests.

The company also provides pre-approved offers that simplify the process of availing a loan against property. Check your pre-approved offers simply in exchange for your name and mobile number.

The Vidyalakshmi scheme provides favourable solutions to students who do not have the means of acquiring appropriate educational funds. The information provided should help apply for the programme with relative ease.

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Why Axis Long Term Equity Fund is best investment in 2020

Axis Bank is supported by the country’s largest financial institutions, UTI, LIC, GIC, and its subsidiaries. The bank was established in 1993 with a capital of Rs. One hundred fifteen crores, with UTI at Rs. 100 crores, LIC-Rs. 7.5 crores and GIC and its four subsidiaries each Rs. 1.5 crores Rs.

Hence the Axis Bank and Axis Mutual Fund are considered private sector entities and run by PSUs despite being promoted.

Among the many funds and their successive series, the Axis Long Term Equity Fund is excellent.

Axis Mutual Fund is a financial service offered by Axis Bank Limited. Many mutual funds start with equity funds, hybrid series, ELSS funds, mid-cap funds, large-cap funds, and many more.

It is also different from evolution, derivation, etc. The Axis Long Term Equity Fund is an excellent fund out of various funds and their successive series.

The fund is a SIP fund with a lock of 36 months, but all risks are covered by units earned every month according to the NAV value in the SIP.

But if taken for long-term investment, this fund has been able to give outstanding returns.

Why it is the best investment in 2020

  • It also gives tax benefits under 80C. Yet Axis customer service is very saturated. 
  • They are suggesting better plans and future funds.
  • There are dedicated employees to answer questions about each fund.
  • There are daily SMS and telephone feedbacks about the operation of mutual funds, and they also enlighten the better funds.
  • Almost all mutual fund firms now offer online platforms to make investing in mutual funds easier.
  • It is the Axis Mutual Fund, which is going a step ahead. If you have already invested in a share or mutual fund, investing in Axis through the website will good.
  • Even if you are a new investor, the site is easy to register and use.
  • For KYC, their customer care staff is more than willing to help.
  • Axis is a company that takes online/mobile connectivity very seriously.

So an outstanding service provider, satisfied. A must invest.

How to invest in Axis Long Term Equity Fund scheme

Depending on the year you wish to invest and the corpus you want to accumulate, you will have to keep a separate portfolio of mutual funds in midcap, large-cap, specific sectors, diversified, debt, etc.

Axis Fund House is doing well in ELSS, and it appreciates new funds in other categories, and some are only two years old. By comparing with other peers, you can invest and track funds.

At ELSS, for the last five years, Axis’ long-term equity fund has generated around 20 percent return and ranked as No.1.

Why you should invest

The fund has an outstanding outperformance track record. In its stock picks, it emphasizes quality and performance, prioritizing companies with better cash flow and higher earnings visibility. While the fund continues to maintain a compact portfolio, in recent times, it has sharply reduced the number of shares in response to current market conditions where only a select few stocks are doing well.

In some high-conviction bets, the fund manager is comfortable taking a broader position to achieve higher outperformance. The fund is more successful than its peers in reducing the downside. For a long time, this kept it in good standing; even he avoided matching peers during the market boom. The fund has proved to be a reasonable bid in this category.

Note: In my view, Axis Mutual Fund is successful on particular criteria like any other asset management firm in India. If you feel that the Axis Fund is suited to your horizons, goals and risk appetite, then you can invest in it or any other fund of your choice or as per your advisory recommendations.

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How to Ensure Proper Management of Corporate Events?

Corporate events are quite a common yet important happening in progressive countries like the USA, UK, and UAE. The organizers have to be very careful as most of the events are of international level. They need to focus on the management perspective as well as the purpose and idea of the event to ensure its success.

The UAE is enjoying the special attention of the world due to the ever-growing corporate sector. It attracts international audiences and investors; therefore, the organizers have to pay even more attention to the managerial tasks. The organizers follow few management strategies to please their attendees and achieve the purpose of their corporate event.

This article aims to highlight some of the practices that can help you ensure the proper management of corporate events and contribute to your success.

Top 5 Practices to Successfully Manage Corporate Events

Managing a corporate event is not an easy task. Setting the objective and agenda of the event is one thing; however, ensuring the best on-site arrangement is also crucial for the success of the event. The organizers often spend months planning the event, which can easily go down the drain if they do not properly look after the execution process.

The following are some of the best practices that can ensure successful management of corporate events and help you achieve your purpose.

1.     Think Outside the Box

The very first practice that can ensure successful management of corporate events is to think out of the box. Do not stick to the limitations, but try to explore your options. It means that you should not restrict yourself to safe practices, but include new things and practices.

Taking risks often causes fear to the organizer, while they can also not stick to old practices as it lacks the element of exciting the attendees. Therefore, the organizers often acquire the services of corporate event Dubai based companies to arrange spectacular events with the best management.

2.     Experiment with your Layout

The second practice that you need to include in your corporate vent organization to ensure better management is to experiment with your layout. It can be in terms of the layout of your event, as well as your venue. The main point is, do not fear a little risk and experimentation.

Moreover, always have a backup plan ready for execution, if you face any challenge in the execution of some risky plan. Try to experiment with the arrangement of activities of the event to boost the interest of the attendee. Whatever you do, stay well prepared and do not lose control.

3.     Utilize Upgraded Tech

Technology is an important part of this modern era. So, it is only natural that you make the most use of it in your corporate events as well. If you do not utilize it, the attendees will not develop a good image. They will consider your event an outdated happening.

So, make sure to utilize the upgraded technology in your arrangements. Include it in your invitation to the registration strategy. Moreover, ensure the better onsite experience of the events through it. You can also use it to collect feedback from the participants during the event.

4.     Keep Your Eyes on ROI

One of the best practices to ensure successful management of your corporate event is to keep your eyes on the return on investment. The major purpose of corporate events is to attract more and more clients and investors while maximizing the profit of the organizers.

If you fail to achieve this purpose as well, it means your event was a complete failure. So, you can focus on the managerial aspects which hold significant importance for your attendees. Do not focus only on making them flawless but inspirational enough to get the attention of your target audience.

5.     Ensure VIP Management

Another important practice that can ensure successful management of your corporate event is ensuring VIP management. Treat all your event attendees and participants with utmost respect and care. Ensure the fact that they feel welcomed and have all the support to enjoy every bit of the event.

You may get busier in other management tasks and fail to tend your guests. So, you can acquire the services of corporate events Dubai based companies to look after the needs and satisfaction of your attendees. You can also ensure the best VIP management by relying on professionals.

Are you short on time?

If no, it means that you have got plenty of time to focus on various areas of management. If yes, it never means that you can ignore certain parts of management and compromise on the success of your events. The success of your event means the success of a number of other people involved in your event, so do not disappoint them.

Do not try to take any short cut to success. However, if you are short on time, it is best to rely on professional help. Trust their experience and expertise to get the best results of your shortly prepared event.

So get back to work and utilize everything in your control to ensure the success of your corporate event.

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Know All About Mutual Fund Investments in India & How Can You Invest in it

Mutual funds investment in India used to be viewed with trepidation earlier. However, Indians have not only warmed up to this asset class but are embracing it and turning into evolved investors. Although the penetration of the mutual fund industry in India is lower as compared to other countries, the growth of this sector in India is higher than in other nations.Over the previous decade, the mutual fund industry in India has experienced a CAGR of more than 12%.

 

As of[1]  31st December 2019, the Assets Under Management (AUM) had crossed a new milestone and was worth Rs 27,25,932 crore. Mutual funds investment in India has empowered several individuals to create wealth over a long time.

 

If you have been contemplating beginning your wealth creation journey with mutual funds but aren’t sure about how to begin, this article will help you address some important questions.

 

How Do Mutual Funds work?

 

Investors pool in money to form a mutual fund and an asset management company or an AMC is appointed to manage the fund according to various goals. They have professionals who understand how market and money flow works and then there are trustees of mutual funds who monitor the AMCs activities to ensure that investors’ money is protected and is growing. The AMCs’ invests that money in share market, bonds and securities. The high fluctuation in the stock markets does not ensure a subtle growth of the money and so the professionals in the AMCs come up with a better option. For equity investments they invest, not in one, but several industries. Now, if one of the equity stocks fails to give profit, others can compensate for the loss and balance the debt. Likewise, your money is always protected and growing at a substantial rate.

 

After investing your money in mutual funds, you are then given units which represent the money invested in the funds. These units are easily redeemable to get back your money, mentioned along with NAV, that is Net Asset Value. The NAV represents the value of one unit of your investment after all your fund expenses and management fees are paid. With this, you can check the market value of your investment by multiplying the given NAV to the number of units you hold.

 

Types of Mutual Funds Investments

 

Mutual funds investment in India is possible in two ways, through lump sum amount or SIPs, or Systematic Investment Plan. This makes mutual funds accessible for anyone, for entrepreneurs, salaried, businessmen etc. The gains generated from these investments are then distributed proportionately among the investors depending upon their NAV. On the whole, investment in mutual funds is one of the most viable options for common people in India who are not able to devote their time in markets and look to opt for a better solution for the growth of their money.

 

Investing in Mutual Funds:

 

You should keep in mind a few things when investing in mutual funds:

  1. Understand your risk-taking capacity and capability, referred to as risk profiling.
  2. Divide your money between various asset classes, asset allocation.
  3. Compare mutual funds based on investment objectives and past performance, thus identifying each asset class.
  4. Decide in which mutual fund schemes would you be investing in and apply for application online and offline both.
  5. Follow-ups and diversification of your investment are important to get the best out of your investment.

 

Investing in mutual funds will require you to have a well-defined goal answering the question- why are you investing in mutual funds.

 

Documents Required

 

After identifying the risks be prepared with your details like address proof, identity proof, a cancelled check and passport-sized photographs. Use your PAN card to complete your KYC details. After completing all the necessary details, get in touch with someone likely to help you invest your money the right way. This could be a broker, an organisation or through some websites or apps. You will be informed of all the required details and then your capital would be invested in that particular mutual fund for substantial growth. The period of investment will depend upon you, giving you the authority to credit your money back to your account whenever required, with a minimal fee deduction.

 

Understanding the schemes

 

You might have heard the phrase -” Mutual funds investment are subject to market risks, please read all the scheme related documents carefully”. Adhering to this phrase is important, for you are investing your hard-earned money. Reading about all the schemes and plans before an investment is the most important thing when investing in mutual funds. Direct investment or investment through SIPs, both are beneficial but will come at some risk, resulting in giving you a happy profit.

 

Mutual funds are a proven way to create wealth over the long term for the busy or lay investor who finds it difficult to invest directly in equity markets. Mutual funds can also be an attractive option for those looking to invest their funds for a relatively shorter duration. It is important to evaluate one’s goals, objectives, risk appetite and investible amount before investing in mutual funds.

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How to Build Your Home For Max Me Time.

A  home has a lot of story to tell about his or her character. A  home is very important space for everyone especially the mommies . They usually have minimum contact with other people, unlike others. The design of a home is hugely inspired by a person’s personality and lifestyle . A home reflects their persona. Home is a special place for mothers to relax and re-energize themselves. They love to spend maximum time at home moreover, a mother does not have many options.

Here are some tips which can be used to design the home so that as a mother you can enjoy me time.

  1. Smaller seating areas

Mothers usually have lot of responsibilities and very few close friends. They prefer to have intimate conversations with few or small group of people. A small and peaceful seating arrangement will be perfect for a heart to heart conversation. A simple get together with close friends in afternoon will make them happy. Moreover, they can also spend some quality time watching their favourite movies on laptop or mobile phone on this seating area when the child is napping.

  1. Coswy Spot

Every mother wants to have a cozy space as their favorite spot at home. It can be aanything like a particular room or just a corner. They prefer the cozy spot to relax and have some break from their busy motherhood. The way of taking break  can be different for different people, but the purpose is same for all the mother. It is to relax and take a break. They can choose the furniture which makes them comfortable. A rocking chair will be more relaxing at  the cozy spot.Moreover , they can chill at this cosy space, read books and even listen to their favourite songs.

  1. Clear Windows

Mothers don’t want to be felt trapped, often their busy schedule is considered that they want to be alone. The fact is mothers have very less time with themselves and they usually cant step out to fulfil their desire. They enjoy fresh air and bright lights, this is why they usually prefer big open windows. It can be covered with drapes for their privacy.  A soothing curtain color will add more beauty.  All you need is to invest in some cute wall curtains and an open the window. A fresh breeze can instantly make you happy and can refresh you.

  1. Well-planned & organized interior

Mothers are great at planning and organizing, all they need is some time. They always have a clear idea abut what each room should look like and their styling even before they start with furnishing the home. They usually organize everything and go as per planning starting from the kitchen to the dining area. Planning is the key.  Once the décor is planned perfectly, do the installation and enjoy the comfortable space with your favourite book and coffee.

  1. Little things

Mothers  prefer to fill their homes with thoughtful portrayal and pictures to give a special touch. It can also be a unique wall mural.  A picture of their child, family or a painting created by them. These little things make them happy and more connected.

       6. A Work Space at Home

A mother will hate to work in a busy environment. They always prefer to have an own space or a room to work. This can simply be a corner of a house. They want needful thing at the work space so that they don’t have to look for anything during their busy work schedule.

      7.  Quiet Hobbies

A hobby is must for anyone any everyone. It keeps them engaged and happy on the long run. The best thing for a mommy is to search for a quality hobby that can bring inner peace. It could be anything like painting, reading books, cooking, gardening, writing blogs etc. As a mother  squeeze out some time from your busy schedule and focus on your hobbies too.

Introverts never enjoy partying or socializing. They prefer to enjoy their own time and company.  They usually indulge in relaxing hobbies like reading books, gardening, and DIY stuff. These all will also make a great home decor.

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What to look for when buying a vacuum sealer

If you need a vacuum sealer and you are going to the market to buy a vacuum sealer, then you need to keep a few things in mind. Make sure you pay attention to each of their specialties which is good for you.

Bag size

You need to buy a vacuum sealer if you want to have a sealing method in order to keep your food safe. Some vacuum sealers are similar to handheld models that are made only to seal small bags, and some that are machinable to larger models accommodate larger bags. If you want to serve more than one meal at a time, you will need a large vacuum sealer which will provide much better comfort for you. There are also many larger models that accommodate smaller bags as well. If you want to make custom size bags then this is an ideal for you. A good option is to use vacuum bag rolls inside many vacuum sealers.

Luggage

If you are planning to purchase a vacuum sealer for canning some things in your kitchen, let us tell you that you need to buy a vacuum sealer that comes with a vacuum tube. If you are able to buy it separately, then you have to keep in mind that it fits or does not fit with your seal. And other items you can buy are bottle tubes and vacuum containers. The container is very useful for those who want to seal food without bags. Nearly every manufacturing company may have recommendations for the manufacture of these items separately. If you don’t need any accessories when buying your seal and you want to choose one that comes with the ability to buy them later?

Power

When we go to the market to buy a sealer, then we should also keep in mind how much its power is, so much power does not improve automatically. If you need a strong power sealer, it will make more noise in your own kitchen and work area. High power sealer is for those who are thinking of using it regularly and it is a better option for those who have a lot of work for them. If you have less work for them and you are sometimes thinking of using your vacuum sealer then you can get away from the low power option.

Unit size

How much space you need for a seal depends on you how much size seal you need. If you have more space and counter and storage space then you can keep a big and powerful seal which is full of all your features. Large size seal takes up a lot of space. If your space is limited or less, then you should consider buying something smaller. You have to choose keeping in mind that the seal you are going to choose must be between an industrial grade and a small portable seal. There are many kitchen models which are medium size and light and also take less space.

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Top Trending Men Fashion Accessories in 2020

Now the myth is dispelled: jewels are no longer a female prerogative. On the contrary, men’s jewelry this year is among the most sought after on the market. Among bracelets, pendants, rings, and earrings, men’s accessories are increasingly appreciated and combined, between minimalism and maximum opulence

So, how about taking a look together at the men fashion accessories that are trending in 2020?

Bracelets

Even if you’re not fond of bracelets, you should give them a try this summer. From leather wrap straps to the metal bangle, silver to gold – there are plenty of options to choose from. Here are some tips for wearing bracelets with style:

  • To stack your bracelets, go for one arm.
  • Thin-stripped and beaded bracelets give you peerless combinations.
  • Add a chunkier piece if you wish – but not more than one.

Rings

Rings are another piece of jewelry you will see in most male fingers this summer. Like bracelets, rings also have plenty of options like subtle bands and chunky statement rings. If you’re wearing bracelets and rings together, take care that the rings match your bracelets.

We dispelled this myth that it is a good rule never to wear more than one ring by the hand. You can wear as much as you want as long as there is good taste in the match.

Men’s rings have now become essential accessories to define your outfit. Ring collection offers several designs among which to find the ones that best suit your personal taste. The 925 silver Tiadi men’s ring, for example, seems like a great place to start.

Salvini’s Elegant Collections

Between modernity and retro hints, Salvini’s master craftsmen rewrite the language of men’s jewelry in silver. The casual and elegant collections are proposed in futuristic design solutions. Refined chromatic contrasts play with unprecedented combinations and processes. Stylistic research and experimentation on materials meet the most sophisticated needs of uniqueness. The Mr. Twist collection is born from the motif of the cable screwed on itself, a twisted silver wire. The silver proposed in the color silver or the sophisticated combinations with rosé and burnished is masterfully shaped to return small masterpieces to be worn every day. While the theme of knitwear characterizes the Funky line, in which the necklaces become long and soft. The bracelets play on the colors of silver and are characterized by a rigid tubular element.

Necklaces

If the men’s necklaces are already in fashion for some time, the trend for the next summer season enhances them even more!

 

The 2020 trend of men’s jewelry allows us to indulge ourselves as much as we want: chokers, thin necklaces with mens gold chains, or with pendants. The new trend, in fact, requires a bangle type of necklace, that is, a bracelet originating from the Indian subcontinent characterized by its band shape, rigid or semi-rigid, and without a clasp.

 

Dior House Trends

A collection of men’s jewelry designed by Yoon Ahn under the artistic direction of Kim Jones was born in the Dior house. It’s called the ‘CD Icon’ and is inspired by the heritage of the house and the life of monsieur Dior. Among the main pieces, a massive chain necklace with magnetic ‘cd’ initials. Others are inspired by the personal life of Christian Dior, such as the keyring representing his dog Bobby, to whom homage was paid in the past with a limited edition bottle for the Dior perfume (1952). In this line, it is reinterpreted as a small fluffy and ‘hairy’ key holder, and with a luxurious bone covered in crystals.

Further elements are inspired by Kim Jones’ personal jewelry, such as colorful crystal bracelets. And again the bee, in the version of the artist Kaws, as a brooch and key ring. A new universe of materials and colors for men’s jewelry.

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What Is The Work Process of YouTube?

What Is The Work Process of YouTube?

The work process of YouTube is quite simple for earning, the condition being if you follow the algorithm. To start earning every person needs to apply for the YouTube Partner Program, and it should be accepted. 

The eligibility criteria for the same include:

  • The applicant must be 18 years old or must have a guardian elder than that
  • The person must be an adult to accept the payments through Adsense
  • For a premium YouTube revenue program you must have a list of YouTube premium subscribers for your channel
  • For Super Chat and subscribers you must belong to a region where the super chat is allowed
  • For the Merchandise account on YouTube, you must have subscribers higher than 10,000
  • To begin the channel memberships, you should have a subscriber list higher than 30k.

To get the subscribers, you can put efforts in digital marketing to generate organic traffic or Buy Real YouTube Views.

Read also – Watch private YouTube videos for free

Work Process of YouTube Channel:

If you fulfil the eligibility criterion, you can start earning on YouTube through multiple ways. 

Some of the common ones are described below.

  • Revenue Through Advertising:

The general revenue can be initiated on YouTube if you play multiple advertisements on your channel in between your videos or overlay the ads. Well, you should be aware of when and where to publish the ads, so that the user is not irritated, and enjoys watching your channel. You must have enough audience to get the approval and benefits from Adsense.

  • Super Chats and Super Messages:

It is a way to earn from your fans, followers, and subscribers. When you are already a part of substantial fan followers on YouTube, they pay you for highlighting their chats or messages amongst the vast crowd. They like to get identified and noted.

  • Merchandise Shelf:

Add a merchandise shelf on your YouTube Channel. Give your fans an option to find the right products for themselves through your YouTube channel. You will be paid through the merchandise for the sale of every product.

  • Get The Channel Memberships:

Every popular channel offers multiple benefits for the paid memberships. Every month or on a periodic basis, there is a fixed transaction to be made to avail of the exclusive perks that a channel offers. So, it can be one of the most helpful ways to start earning from the YouTube channel.

  • YouTube Premium Revenue:

In the end, the competition is all about earning the massive revenue through your YouTube Premium channel. It can be earned when you have the premium subscribers watching and subscribing your channel. For the same, you can Buy Real YouTube Views or get some other tricks to get attracted to your channel. Offer them the engagements that nobody else does.

Income Through Advertising: 

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Final Words:

It takes a significant time to start earning through the YouTube platform. For that, you must be ready with your plan from day 1. Do the complete research and go for ideal implementations. It is not essential to Buy Real YouTube Views if you have great content and marketing skills to present to the audience. 

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Application of Gold Loans

Why Gold Loans?

Indian culture has always given importance to gold. It features as a part of traditional Indian practices, both social and religious. It acts as a status symbol for most of the Indian communities. 

Gold Loans have now become a swift growing presence in the Indian industry. This is mainly due to the reliability of the value of gold. There has been a steep rise in gold prices in the past four years. This proved them to be an excellent substitute in place of property or shares to be used as collateral for loans. It is also easier to evaluate the gold price today as compared to property or shares whose prices may fluctuate depending on circumstances.

 

How did Gold Loans become popular?

 

Starting from Kerala based NBFC’s that introduced this into professional financial circles, this practice has now spread to the majority of the significant financial and banking organizations in India. The swift adoption of this practice is majorly based upon the previously unexploited factors about the Indian community and gold. 

The majority of Indian communities have the practice of buying and hoarding gold in the form of ornaments, ritual-based articles, coins, or bars. With the abundance of this highly valued metal being stagnated inside personal lockers or hidden vaults, the new venture of starting Gold Loans was something revolutionary. 

Though in unprofessional circles, the concept of lending money in exchange for gold was not new. But it lacked the assurance and security provided by the current Gold Loan schemes set up by the banks. The financial corporations now exploit this opportunity to provide loans without any risks to themselves. 

This is because the value of gold keeps increasing every year. Even if the borrower defaults on the payment, the financial corporations can recover their losses quickly by liquidating the gold being held as collateral; in fact, they might even make a profit. This makes it much safer for both the borrower and the financial corporations as compared to personal loans that use the property of the borrower as collateral.

Impact of Gold Loans on the social divide in Indian communities

The practices of the rich and the poor vary significantly in India when the topic of savings comes up. The rich generally have methods of investing in a variety of assets like shares of companies, properties in the form of land or housing. The poor sections of the society, however, only invest their meager savings on gold. This thinking is further reinforced by the fact that so many of the traditional practices in India, such as weddings, encourage the use of gold ornaments and ritual articles made of gold.

Gold acts as an asset that helps the poor class of society to be assured of their savings in the form of gold. Gifts in the form of gold are highly sought after in ceremonies. Though the allure of gold might have decreased amongst those belonging to a more sophisticated class of Indian society, among the poor and middle class, it still holds a lot of influence.

Role of Gold Loans in reducing Debt Traps

The rural sections of Indian society, especially the agrarian sections, are highly dependent on loans for their survival. Traditionally they deal with local money lenders who often take their property papers as collateral in exchange for providing them with loans. The interest rate given by these lenders is also extremely high as rules do not restrict them. The high-interest rates make it difficult for the borrower to repay the loan. Yet again, they end up taking a loan for the next year to get supplies for their agriculture practices. This cycle continues further each year, pushing the borrower deeper into debt every year. In the end, the borrow ends up losing their properties to these money lenders.

Advantages provided by Gold Loans

The general preferences of the Indian community have always been to avoid putting gold as collateral for gold. But gold loans have a lot of benefits that can help Indian communities.

The advantages provided are:

Debt trap avoidance: Gold loans are readily available and completely secure in their process. The default of payment only results in the loss of gold instead of debt. 

Swift process: The entire process of getting gold loans is fast and hassle-free. In practical situations, it takes less than 20 minutes to complete the whole procedure and avail the loan.

No Asset Depreciation: Unlike other assets that are used as collateral in loans, gold is straightforward to liquidate and evaluate. Due to its nature of being a liquid asset, the process of securing it is also easily completed.

No restrictions: Gold loans are preferable because they provide a transaction wholly based upon the value of gold placed as collateral. There is no constant surveillance for the loans. The only restriction is that the loan should not be used for any anti-social purposes. Compatibility with the unorganized sector: The gold loan process highly benefits those in the informal or unorganized sector. Unlike other loans, gold loans don’t require the borrower to submit the details of their employment. 

Moral pressure forbidding default of loan: Most Indian households are extremely attached to their gold articles. In most circumstances, they hold deep emotional attachments as they might be a family heirloom or keep significance to specific events. Due to this, it is highly unlikely for them to default on their loans and abandon the gold article placed as collateral. 

Proper application of the value of gold in the global economy: Currently, India ranks first when it comes to the gold that is held by private households. The estimated amount ranges between 15000-20000 tonnes of gold. Before the existence of gold loans in the Indian financial market, all that gold was kept idle in personal lockers and was effectively useless for the economy. Now, however, it is being used to set in motion a chain reaction of economic activity, triggered through gold loans.