Angelium Kaur although hails from London, England but her aura and sheen seemed popular all across India and Asia. She was brought up in London and despite being British Citizen winning hearts all across the world. Her recognition came in the fashion world when an award-winning photographer Sohail Anjum brought her out in the glamour world with his professional lens. He defined the lady with her new aura and gleam. 

This added the confidence in the lady making her contest in top beauty contest like Miss India 2018. She has remained a multi-talented lady who is not only active in the modeling and fashion world but at the same time has remained an Entrepreneur & Artist. She holds a certification in Kundalini Yoga and has mastered Neuro-Linguistic Programming. However, her aura in the fashion world turned the talk of the town only due when she was declared as the official Winner of Glammonn Miss India 2018

She is also a beauty with the brain and was able to bag the title with her attributes like kindness, compassion, entertainment, and knowledge. She even walked on the ramp showcasing leading designers and even got featured in several music videos apart from being showcased in magazines including Femina, Fitglam, Debonair, and was popular as a GlamDiva. She has to go a long way when it comes to fashion and the world of beauty.

Getting married, buying your own home, or even starting a family, your 30s can bring in many life transitions. But have you done everything necessary to make sure these transitions are smooth? Let me simplify the question. Do you have a financial plan in place that would make your 30s wonderful and the coming years peaceful? Not yet? I can help. 

I am sharing with you the five most important money management tips that will help you tremendously in financial planning. Read through each one of them very carefully. 

Set Financial Goals – The first step to formulating a financial plan is to sit down and write your short-term and long-term financial goals. And once you do that, start your research to be able to meet them. For example, if you want to take a trip to Italy within a year or two, find out how much it would cost you so that you can spend and save accordingly every month. This is equally important for long-term goals. For example, if you plan to buy a home within the next 5 to 7 years, you will have to gain a decent understanding of what the down payment, monthly installments, and interest rates will be like. A clear picture of your goals will help you take the next step wisely. 

Start Saving – Once you set the goals, it’s time to adopt better money habits and start saving. And for me, the mantra to saving is – “know your expenses.” Not only should you save a certain percentage of your income every month, but you should also know what and where you’re spending. That’s because you can’t control your expenses if you don’t identify the unnecessary ones. 

Follow these steps to save better:

• Record every expense, no matter how small it is. You can download an expenditure tracking app or use an excel sheet as per your convenience. 
• Make a note of the necessary expenses such as rent, bills, grocery, medical, etc.
• At the end of the month, identify the unnecessary expenses – for example, frequent Starbucks bills – and decide how you’re going to eliminate them or at least replace them with a cheaper alternative. 
• Budget your money in a way that there’s no or just a small window for unnecessary expenses.
• Stick to the budget and save the rest of your monthly income. 

Pay Off Debts – Have a look at your credit card debts and other loans, if any, to see if you’re doing everything possible to minimize the amount you owe. If you’re making just the minimum payments or paying only the interest amount every month, you will never be able to get rid of the debt. And on top of that, your cibil score would take a hit. So, give up on the luxuries and pay off your debts as soon as possible. 

If you have multiple debts, consolidate them into one single debt by taking a personal loan. Keep the repayment period short so that you can pay off the principle amount quickly. The longer you take to repay the loan amount, the more interest you will end up paying. Once you pay off the debt, money from your income will be freed for more savings. 

Invest in Health Insurance – We all know that healthcare has become very expensive. In fact, Indians spend over 62% of their savings to meet health expenses. So it’s best to buy adequate health cover, especially if you’re 30 years or older. That’s because our metabolism slows down in our 30s, making it easier to gain weight. And this may leave you at a higher risk for fatigue, cholesterol, diabetes, heart disease, arthritis, etc. 

If you’re covered under a decent health insurance policy, you can claim basic health expenses without having to spend from your pocket. Moreover, you can get cashless treatment (payment made by insurance agency directly to the hospital) in case of an emergency, which means you won’t have to dig a hole in your savings.  

Save for Your Retirement – Don’t wait for that big promotion to start saving for your retirement because if you want a comfortable retirement, you will have to start now. Try to make at least minimum contributions towards it. Also, many employers match their employees’ contributions towards their retirement up to a certain percentage. So, learn about the matching contribution policy in your company and ask your employer what you must do to become vested. 

You can’t conquer anything overnight. So, don’t give up if you can’t get it right initially; keep trying to improvise your financial plan every day. 

I hope these tips were helpful. 

The author Shiv Nanda is a financial analyst who currently lives in Bangalore (refusing to acknowledge the name change) and works with MoneyTap, India’s first app-based credit-line. Shiv is a true finance geek, and his friends love that. They always rely on him for advice on their investment choices, budgeting skills, personal financial matters and when they want to get a loan. He has made it his life’s mission to help and educate people on various financial topics, so email him your questions at shiv@moneytap.com.

“There is no virus bigger than hunger and if you save a single person or a single family, you are a true carer of humanity. So, it is the time to step up and this is the time when we are meant to help each other survive through the agony of this phase, the lockdown. Only if we save the needy from their misery of hunger, we would be able to save them from this deadly coronavirus”, said Vijay Sharma spreading his message around. His words are true and so is his helping notion. He knows and has seen the desire, the hunger, and the love in the eyes of people while he with his other team members of Vishwa Shanti Mission organization was out there helping the people in need. As per one of the team members, Kamal Sharma the Vishwa Shanti Mission organization’s accounted number of reached out families with the daily essential deliveries is more than 1500 and increasing. Their goals are clear and all they wish for is reach out these deprived families and help.

The increasing havoc of COVID-19 pandemic and the situation of lockdown has left people destitute making the lives of poor, a complete misery. There are many families out there unable to have even their 2 times meal. Vijay said, “the government has been trying to help but their reach has not been made to many families which still exist “in the dark side of no help received yet.” But what we see is, even after facing so much, they still hold the positivity, even when they are living their lives on the roadside without any help, they are trying to survive. Their hopes exist only on the social workers and the organizations like Vishwa Shanti Mission organization and this is why we as a team are out there to help them believe that, humanity exists are we are making every possible attempt to deliver the essentials and food as much as we can.”

“It isn’t a misery unless we willingly let them suffer alone” and in no way, Vijay Sharma and the Vishwa Shanti Mission organization other team members are willing to step back. The team has reached to help during this lockdown, many families in the lanes of Mathura-Vrindavan, who are in need and require essential help. They have also been trying to arrange food for the needy since last 25 days of the lockdown. 

Recently when they reached out with food and essentials to the Transport Nagar empty fields where more than 40 families are living in huts they made for their survival, their eyes shined bright and their heartfelt love was visible in the way they invited the team members. The head of these families also thanked them, showered their blessings and wished them good. Listening to their concerns it did gave a sense of satisfaction and the help provided did seem worth. One member amidst those families named Malti said that “they were all from varied placed and came here to find a job and have a living. Someone does the job of making mats while others make the brooms but now amidst this lockdown, every work is on halt. They do not have any other income sources and even the savings they had got used in the starting days of the lockdown. So, all they do is, sit and wait around with the hope that any of the passer-by’s eyes would fall on them and due to little of sympathy they have within, will give these families 2-time meal for their survival.

Vijay said, “this is the time to stand up for humanity and help them. We should be willingly taking the steps to not just help the people from this deadly virus but also ensure that they do receive their meal to survive. Our team is ensuring with all the help they can provide. Masks are even distributed amidst the people together with food for the needy as this is our moral duty.” Truly, this is how we will survive the pandemic and the virus and what would come after the end of it all will be happiness and blessings around.

In today’s time, we come across many stories that inspire each one of us to multiple levels. One such story is about a Pune based guy named Harsh Gawali who is a model and an ardent fitness personality. 

Harsh started his career as a model back in 2015 and is currently working as a senior marketing operation analyst at one of the leading Edtech companies in India.

Last year, In 2019 August, Harsh received a call from MCF team head to go on a rescue operation in Bhilawadi, a small town in Maharashtra, India which was flooded due to heavy rainfall and people in the area were stuck and had no means to get out of the situation. Harsh along with others had to drive for 6 hours until he reached the destination and immediately started the rescue operation with the help of MCF Head Jaypal Dagade Patil and Team NDRF.

Harsh Gawali started the rescue operation at 7 am in the morning and was successful in rescuing 244 people who were stuck in the floods. It was a 12 hours long rescue operation and Harsh who was leading the team had to conduct the entire operation barefoot with stones and other kinds of stuff hurting his leg. Till date, Harsh feels proud of it and the opportunity he received. 

Harsh is a huge fitness enthusiast and athlete. He is a former 55 kgs wrestler too and has achieved milestones in climbing some of the hardest pinnacles of Maharashtra. In addition, Harsh is also a trained cadet of Maharashtra Civil force.

Healthcare workers at hospitals are risking COVID-19 infection by taking care of those infected by it 24/7. Perhaps the level of risk may get reduced hereafter with the help of a new friend, HCARD. The robotic device HCARD, in short for Hospital Care Assistive Robotic Device, can help frontline healthcare workers in maintaining physical distance from those infected by coronavirus. 

HCARD is developed by the Durgapur-based CSIR lab, Central Mechanical Engineering Research Institute. The device is equipped with various state-of-the-art technologies and works both in automatic as well as manual modes of navigation. 

This robot can be controlled and monitored by a nursing booth with a control station having such features as navigation, drawer activation for providing medicines and food to patients, sample collection and audio-visual communication. 

Prof. (Dr.) Harish Hirani, Director, CSIR-CMERI stated that “This Hospital Care Assistive Robotic Device could be effective for frontline healthcare officials dealing with COVID-19 patients in delivering services while maintaining mandatory physical distancing”. The cost of this device is less than Rs 5 lakh and the weight is less than 80 kilograms, added Prof. Hirani. 

CSIR-CMERI is working on war footing to minimize the impact of COVID-19 through technological interventions. As spelled out by WHO, personal protective equipment (PPE) is very important in preventing transmission of coronavirus in the society, thus the Institute has channelized its resources optimally to develop PPE and community-level safety equipment for helping the public at large and healthcare institutions.

Scientists at CMERI have also developed a few other customized technologies, including Disinfection Walkway, Road Sanitizer Unit, Face Mask, Mechanical Ventilator and Hospital Waste Management Facility. 

The rising cases of coronavirus in India and other parts of the world have created a major hurdle for everyone. The number of confirmed cases of COVID-19 has surpassed 1 million globally. While in India, the number of positive cases has crossed the mark of 2,550 in total. To prevent the deadly virus, India is currently on a 21-day lockdown until April 14, 2020. As reported, the confirmed cases in Gujarat have reached 95. Many people are practicing social distancing and are taking all the precautions against the virus. The notable politician, social activist, and land developer of Gujarat, Pinakin Shukla is time and again hitting the headlines for his noble deeds.

He recently made a huge contribution by donating ration and other essential groceries in large numbers in Virpur, Mahisagar district. Trying his best to fulfill all the fundamental needs of the people in his area, Pinakin is leaving no stone unturned to help them out in any capacity. Adding to that, he just wants people to remain safe and not step out. “We have testing times ahead. Do not create history by doing the same mistake which Italy did. Be home. This is the time you need to be with your near and dear ones. I am spending much needed time with my family and my children. Let’s all unite together and destroy the coronavirus.” For the underprivileged people in Mahisagar district, the politician even stated that he would help them financially and also distribute essential commodities if required again. 

A few days back, Pinakin donated a total of 10,000 kg wheat, 6,000 kg rice, 500 kg dal, 1000 liter refined oil, 1000 kg salt, 100 kg red chili powder, and 100 kg turmeric powder. The kits were distributed among 2,000 people in and across Mahisagar. Well, it is not just during this pandemic, Pinakin Shukla has come forward to do charities. He earlier constructed various temples including Mukeshwar Mahadev Temple, Bhatiji Mandir, and Ramji Mandir in his locality. Besides this, every year Pinakin Donates waters, blankets, etc. in his locality, he donated his land &constructed a bus stand in Mahisagar which was inaugurated by Prime Minister Narendra Modi. Pinakin Shukla has won a kheda district panchayat election with the highest margin in Gujarat in the year of 2013, he also was the youngest chairman of APMC virpur, In the year of 2015 he also won mahisagar district panchayat election with the highest margin in whole Gujarat, He was the youngest chairman of the standing committee of mahisagar district panchayat. Pinakin is truly living his life to uplift other people and in return, all he wants is to cooperate at this moment and stay safe by being at home.

When a wedding photography studio receives laurels from a prestigious institution like the Australian Bridal Industry Academy (ABIA), it means something more than just the award. For the past many years now, Shootime Alsaboory has remained firmly placed among the top 10 wedding photography studios in Sydney, as per the ABIA. No wonder then that the brides and grooms, not just in Australia, but around the world, agree wholeheartedly!

In addition, in the year 2018, Shootime Alsaboory also stood 6^th among 97 other wedding photography studios after garnering 90.87% votes. 

Past brides, who have had an experience with a bridal supplier and have, subsequently, rated him on the basis of his products, service, value and staff, are called in to determine the AIBA awards. Each year, the best wedding supplies from different regions of Australia compete for these awards.

The brides determine the nominees and finalists by assigning scores out of 100. These scores are awarded for the quality of the product, service, and value for money as well as staff behavior of the suppliers.

It is the unique style of working adopted by Shootime Alsaboory that makes them stand apart in the crowd. The wedding photography service is not just attuned to the things that matter the most to the couple, they also know how to become a part of their wedding story.

After gaining the trust of their subjects, the service offers creative ideas to capture wedding portraits. Some of these ideas are quite unorthodox but equally loved by the bride and the groom. But that doesn’t mean that they don’t accept out-of-the-box ideas of the couple as well as the members of the bridal party. The studio starts with listening to the reasons behind the venue choice, style of the ceremony, etc. 

At Shootime Alsaboory, they believe that “the more you break down that barrier, the easier it becomes to get inspired and creative.”

Not everyone can travel abroad for that perfect wedding. Therefore, Shootime Alsaboory manages to provide an out-of-this-world wedding photography experience to their clients, right where they are!

Many tax officers have voluntarily joined the frontline force to help the needy and poor during Covid-19 crisis. A group of them in Mumbai has pooled resources to provide free ration and other essential items to the poor

What might be a regular day in a tax officer’s life? Most of the times, their focus is on bolstering tax collection. Tasked by the government to mop up more, they keep looking for possible evasion by taxpayers. They issue notice for payment and pursue them vehemently to cough up tax.

This is perhaps the reason they are sometimes accused of misusing power and being harsh to the general public. Over the years, the perception has only got stronger. But some of the officers are set to change this, and tide of public opinion could be headed to turn sooner than later.

As Coronavirus takes the country in its grip, many tax officers have voluntarily joined the frontline force to help the needy and poor. A group of them in the financial capital Mumbai has pooled resources to provide free ration and other essential items to help migrant workers and daily-wagers during this difficult time.

The Indian Revenue Service (IRS) officers Megha Bhargava and Suresh Kataria have taken the lead and tied up with NGO Samparpan to ease the pain and hardship being faced by thousands of workers who are stuck in Mumbai and around during the nationwide lockdown.

Soon after the lockdown was announced, the two officers along with some of their colleagues quickly devised a plan to organize relief efforts through Samarpan for daily wagers.

As the officers swiftly came into action many more joined along. Now, almost 40 officers are shouldering the responsibility in giving back to the society.

While most of them are from IRS fraternity based in Mumbai and Bangalore, the team consists of officers posted all over the country.  Many more like-minded people have also joined the team and contributing in cash and kind.

Samarpan has been at the forefront of mitigating the harshest effects of the outbreak, and has launched a comprehensive relief programme. But the enormity of work needs more support in donations.

The most critical factor for all the above initiatives is access to funds. An amount of merely Rs 1,000 can help one person survive at least one entire month (or a family of 4 for around 8-10 days).

Samarpan has appealed for donations by all well-wishers, which is also eligible for tax benefits u/s 80G of the Income Tax Act. The donations can be made through Samarpan’s website or by crowd funding website Ketto through net banking or credit/debit cards/Paytm etc.

Samarpan is trying hard to help a minimum of 15,000 daily wage earners/migrant workers whose needs are extreme. Apart from this, Samarpan is trying to provide around 100,000 cooked meals in Mumbai.

Story link: https://topleadindia.com/2020/04/26/tax-officers-join-frontline-workers-pool-funds-from-salaries-to-help-needy-fight-covid-crisis/

For most of the girls in the world, one thing that really drives their attention from anything could possibly be or most of the times anything to do with ‘fashion’. The constant desire to go for shopping with or without the need of it is also enough proof why girls always want to keep their wardrobe up-to-date. Almost all of them want to keep it trendy, stylish & chic all the time when they step out of their house. Whether they are going to a party or attending those business meetings, they want to organise every outfit they wish to wear accordingly to suit the occasion & never want to go out of clothes ever. One such girl who has always been crazy behind fashion made her take a swift jump from being a chartered accountant to being an owner of a fashion brand called “Stilig.”

Can you believe that? A girl who already had an excellent corporate profile at hand & who is a certified chartered accountant holding rich experience of 4 years in Project finance & Investment banking, made one of the most significant decisions of her life switching from being a CA to being the owner of a fashion line. Both of these fields have nothing to do with each other & to take such bold decisions in life one needs the right attitude, enthusiasm & confidence & Roshni passes with the highest grades in that matter.

Roshni Agrawal’s “Stilig” is a Mumbai based fashion brand that was launched this year in February, offers a variety of wardrobe solutions to women to cater to their varied choices of outfits for almost all events. Launching the brand with women workwear pieces that could easily transition from office to post-work cocktails to a fun weekend life saw an unmatched demand of the apparel. What started off as only a fashion line that was dedicated for making workwear dresses for the ladies all around the country soon saw a jump in the demand of the brand & its outfits & Stilig as a fashion company dived into making a variety of casual wear as well.

The startup that talks all about fashion & only fashion, whether for workplaces or casual events cater to fashion-conscious girls & ladies between the age of 16 to 40 years to spread the brand all across India & to gradually make a name for itself in the elite fashion brands of the country.

When we have people like Roshni we have enough inspiration as this young girl proves the world that when you have passion for something & the determination to work towards it you must take the first step in doing that & then nobody can stop you.

International makeup artist Anu Nagpal is a master at the art of contemporary and modern makeup techniques. Having created an impressive brand image for herself, Anu’s determination, research, understanding of beauty and people has made her one of the most sought after makeup artists today.

Originally from Delhi with an engineering background, Anu had always been fascinated with makeup and its intricate craftsmanship. It was her perfectionist attitude for everything in life that compelled her to professionally pursue the skill of applying make-up. Needless to say, she got her hair and makeup artistry training at Bangkok from the most renowned makeup school in all of Asia. Gaining impeccable proficiency in bridal, fashion, fantasy, and special effects make-up, learning from the best of the best, Anu Nagpal was all geared up for the industry. She started out with small projects, quickly making her way up to the top as people became instantly impressed by her style of work. She worked with Thailand’s leading production companies, making her a very popular name in the fashion circuit there. She has also worked her magic with international models from the UK as well as Russia, and teamed up with well-known photographers from India, Ireland, Germany and Thailand, spreading her wings across several countries.

After carving a niche for herself internationally, Anu Nagpal moved to India in January this year planning to work extensively with brides and celebrities, conducting majestic bridal and red carpet shoots. Anu had always been a sharp learner with an inventive mind, and her uncanny sense of perception of her client’s needs is what sets her a class apart. This, along with her superlative experience has already made her an absolute favorite in and outside Delhi, upping the bridal and fashion make-up game to another level.

Anu Nagpal is the epitome of creativity and originality, pouring her heart and soul into her work. At times when she isn’t glamorizing the world, one makeup brush at a time, she works as an educator, training aspiring makeup artists to become expert professionals like her.

For all the makeup fans who want some beauty inspo, her portfolio on her website www.anunagpal.com is exceptionally stunning, as is her Instagram page ANU NAGPAL. Follow her – it is undoubtedly going to make your scrolling time worth your while!