A digital payment, sometimes called an electronic payment, is the transfer of value from one payment account to another using a digital device or channel, which may include payments made with bank transfers, mobile money, QR codes, and payment instruments such as credit, debit, and prepaid cards. Digital payments has gained significant popularity in recent years, revolutionizing the way individuals and businesses conduct financial transactions. With the rise of smartphones, mobile apps, and online platforms, digital payment methods have become increasingly convenient and accessible. However, like any technology, digital payments have both advantages and disadvantages. In this article, we will explore these aspects in detail.

By Sanjhi kushwaha

Advantages of Digital Payments:

Convenience: 

One of the primary advantages of digital payments is their convenience that happens in just a few taps on a smartphone or clicks on a computer, you can complete transactions within seconds. Whether you're paying bills, purchasing goods and services, or transferring money to friends and family, digital payments eliminate the need for physical cash or checks, saving time and effort.

Accessibility: 

Digital payment methods are highly accessible to a wide range of individuals. As long as you have a smartphone, tablet, or computer with an internet connection, you can access digital payment platforms.

Security: 

Digital payments offer enhanced security compared to carrying cash or using checks. Encryption techniques and secure protocols protect users' financial information, reducing the risk of fraud and identity theft. Additionally, many digital payment platforms provide features like biometric authentication and two-factor authentication, adding an extra layer of security to transactions.

Record-Keeping: 

Digital payments provide a digital trail of transactions, offering easy and accurate record-keeping. Users can review their transaction history, access digital receipts, and track their spending patterns effortlessly. This feature is particularly useful for budgeting, tax purposes, and financial planning.

Speed of Transactions: 

Digital payments enable near-instantaneous transfers of funds. Whether it's sending money to a friend or paying for an online purchase, transactions are processed within seconds or minutes. This speed is especially beneficial for businesses, as it improves cash flow and reduces the time required for payment processing.

Disadvantages of Digital Payments:

Technological Dependency: 

Digital payments heavily rely on technology, such as smartphones, computers, and internet connectivity. In areas with poor or unreliable internet access, digital payment services may be inaccessible or unreliable. Additionally, technical glitches or system failures can disrupt transactions, causing inconvenience and frustration for users.

Security Risks: 

While digital payments offer enhanced security measures, they are not entirely immune to security risks. Cybercriminals continuously develop sophisticated methods to exploit vulnerabilities in digital payment systems. Malware, and data breaches can compromise users' personal and financial information, leading to financial losses and privacy concerns.

Exclusion of the Unbanked: 

Despite the increasing accessibility of digital payments, a significant portion of the global population remains unbanked or underbanked. These individuals may lack access to the necessary infrastructure, such as bank accounts or smartphones, to participate in digital payment ecosystems. The exclusion of these individuals can exacerbate existing inequalities in financial services.

Transaction Fees: 

While some digital payment services are free to use, others charge transaction fees, particularly for business transactions or international transfers. These fees can add up, affecting the overall cost of transactions. Small businesses, in particular, may find it challenging to absorb these costs, impacting their profitability.

Privacy Concerns: 

Digital payments involve the collection and storage of personal and financial data. Users may have concerns about the privacy and potential misuse of their information by payment service providers or third parties. Adhering to privacy regulations and ensuring data protection is crucial to address these concerns and build trust among users.

In conclusion, digital payments offer numerous advantages, including convenience, accessibility, security, record-keeping, and fast transactions. However, they also present certain disadvantages, such as technological dependency, security risks, exclusion of the unbanked, transaction fees, and privacy concerns. To maximize the benefits of digital payments and mitigate the drawbacks, it is essential to strike a balance between convenience, security, and inclusivity while implementing robust measures to protect user data and privacy.

Introduction:

Clothing and Accessories:

Lightweight and breathable clothing: Pack comfortable clothing suitable for the destination's climate. Include items like t-shirts, shorts, sundresses, and light pants. Consider the local culture and dress modestly if required.

Swimwear: If destination offers beautiful beaches or swimming opportunities, pack swimsuits or trunks.

Layering options: Bring a light jacket or sweater for cooler evenings or unexpected weather changes.

Comfortable footwear: Include sturdy walking shoes or sneakers for exploring [Destination]. If you plan on hiking, pack hiking boots or trail shoes.

Hat and sunglasses: Protect yourself from the sun's rays with a wide-brimmed hat and sunglasses.

Rain gear: If destination experiences rainfall, pack a compact umbrella or a waterproof jacket.

Sleepwear: Don't forget to include comfortable sleepwear for a restful night's sleep.

Toiletries and Personal Care:

Travel-sized toiletries: Bring travel-sized shampoo, conditioner, body wash, toothpaste, and a toothbrush to save space.

Sunscreen: Protect your skin from harmful UV rays by packing a high SPF sunscreen.

Insect repellent: If destination is known for mosquitos or other insects, pack an effective insect repellent.

Medications: If you take any prescription medications, ensure you have enough for the duration of your trip. It's also a good idea to carry a small first-aid kit with essentials like band-aids, pain relievers, and any necessary allergy medications.

Personal hygiene items: Include items such as a razor, deodorant, feminine hygiene products (if applicable), and any other personal care products you regularly use.

Electronics and Documents:

Travel adapter: Check the type of electrical outlets at your destination and pack a suitable travel adapter.

Mobile phone and charger: Keep in touch with loved ones and have access to important travel apps by bringing your mobile phone and charger.

Camera: Capture memorable moments by packing a camera and its accessories.

Travel documents: Carry your passport, visa (if required), driver's license, and any other necessary identification or travel documents. Keep them in a secure and easily accessible location.

Copies of important documents: Make copies of your travel documents, including passport, visa, and travel insurance, and keep them separately in case of loss or theft.

Money and cards: Bring sufficient local currency, an international credit/debit card, and a backup card for emergencies.

Other Essential Items:

Travel guidebook or maps: Familiarize yourself with the destination by bringing a travel guidebook or maps to enhance your exploration.

Daypack or backpack: Carry a small daypack or backpack for daily excursions, allowing you to carry essentials like water, snacks, and a camera.

Travel locks: Secure your luggage with travel locks to protect your belongings during transit and in accommodations.

Travel pillow and blanket: Ensure comfort during long flights or bus/train journeys with a travel pillow and a lightweight blanket.

Entertainment: Pack a book, magazine, or any other form of entertainment for leisure time during travel or downtime at the destination.

Snacks: Carry some non-perishable snacks for moments when you need a quick bite.

Conclusion: 

By following this comprehensive packing list, you will be well-prepared for your trip to planned destination. Remember to consider the specific climate, activities, and cultural norms of the destination when making your final packing decisions. A well-thought-out packing list will allow you to enjoy your adventure to the fullest while ensuring you have everything you need for a comfortable and memorable journey.

 Introduction

Love is a very special emotion that keeps people close and committed to each other. Without love, it would have been difficult to see how human beings live peacefully and evolve. Love gives you a hope that no matter what, you have someone to count on. It’s unconditional and makes you feel good and special, you can trust the person you love and be yourself with them. It’s like your heart tells you that it is good for you. You never give up on the people you love.

Love is different for everybody so in this article let's read about different types of love.

1. Eros (Sexual passion)

 Eros is a type of love that is displayed out of human in form of physical intimacy. There is emotional attachment too but more than that people desire for each other's physical body. Greek people once said that Eros is a very dangerous kind of love because in this people tend to lose control. This kind of love doesn't last forever, it lasts between a minimum of 6 months to a maximum of three years because people tend to burn out the attraction and end the relationship. 

2. Philia (Deep friendship)

 In this kind of love people are attached but without the romantic attraction. People have equal value and respect for each other. Love is included but in a pure way like love connected with mind, love shared between the people who had seen hard times together. It can occur with friends and family, also friendship plays a powerful role in this kind of love.

3. Pragma (Enduring love)

 This is a type of love that is long lasting and matures over with the passing time. To reach the stage of Pragma a lot of commitment and dedication is required. In fact this kind of love also requires a lot of compromises. The main goal of this love is not to fall in love but to stay in love. It generally occurs to people who make promises and stick to them.

4. Ludus (Playful love)

 This kind of love occurs in the early stage of a relationship commonly called the honeymoon phase. It is a playful and flirtious kind of love. This includes the excitement and butterflies you feel when you like somebody or crush on someone, it also consists of teasing, laughter, flirting, playful things etc. Between two people. A lot of exciting emotion is included in this kind of love. 

5. Agape (Love for everyone)

 It is the best love to offer because this love is without expectations. In this people spread love in every circumstance. This is also a concept in Christianity to spread unconditional love selflessly, it is a love between God and humans. It includes spirituality, acceptance, forgiveness and trust. 

6. Mania (Obsessive love)

 It is an obsessive love for your partner, this includes jealousy and possessiveness. This is majorly found in couples who have an imbalance in their relationship, the main cause of Mania is the imbalance of Ludos and Eros. It involves the feeling of codependency, and makes the relationship very toxic and unhealthy. People want to sense self value.

7. Philautia (Self love)

 This refers to self love or self compassion. It's a kind of love where you realise your self worth and is healthy. It begins with acknowledging your responsibility for your well being, you don't compromise with your personal needs whether there are emotional, physical or mental. Greeks used to believe that if you love yourself then you have more capacity to love others more.

8. Storage (Family love)

 It is a naturally occurring love between children and parents, between siblings or between old friends that are just like family. It has a deep emotional attachment, and comes easily between child and parent. Your memories engage you to have a long lasting relationship with the individual, with the increasing memories the love also increases. It has a feeling of safety and security.

Conclusion 

Love is very beautiful and now by reading this article you may now be able to understand and express your love in a more perfect way. Everyone loves in a different way because every relationship is different. You cannot share love with your parents that you share with your partner. Every person has a different way of loving. We hope this helps you in understanding love in a better way.

 Introduction

Everyone loves to travel and explore new places. And traveling to some new places can be super fun and thrilling. You may never know what's going to be new and adventurous. A city is generally underrated because its culture and the value it has isn't truly recognized. 

By Sanjhi kushwaha

Well if you are a traveler and love to explore here are the top 10 underrated cities in the world you can explore.

1. Montenegro

 One of the most underrated destinations in the world to travel. The English translation of Montenegro is 'Black Mountain', by this you may think it must be dull and a boring city but it has gorgeous beaches and medieval places which makes the city beautiful. Places to visit in Montenegro are Budva, Durmitor National Park, Old town of Kotor, Blue Grotto etc. 

2. Chile

 Chile is the most relaxing and safest place you can visit. It is located in South America, it has beautiful landscapes. This City offers you the best cuisine, it is one of the most developed cities with less corruption. The best places to visit in Chile are Santiago, Patagonia etc. The best thing about Chile is you can visit at any time of the year, the climate remains moderate.

3. Jordan

 Jordan is a desert place, around 85% of area is desert. The northern hills of Jordan are covered with rich olive trees. The centre of the country has fields of wheat. Well the 90% of the population is Muslim Arabs with small minorities of Christian Arabs. Jordan has a constitutional monarchy. Dead sea, Aqaba, Desert castles, Mount Nebo etc. Are some of the most famous places to visit in Jordan. 

4. Osaka 

 Oska situated in Japan, it is the third most populated city in Japan. Osaka is known for its fine sake made freshly from mountains, also the food is very famous here. Regional cuisine includes spending on food."[84] Regional cuisine includes okonomiyaki ( pan-fried batter cake), takoyaki (octopus in fried batter), udon, as well as the traditional oshizushi. Also there is a very famous festivals held in Osaka called the Tenjin Matsuri. 

5. Phoneix

 This place is situated in US and is the State capital of Arizona. It is also known as the Valley of Sun. The city has many performing arts venues, most of which are around downtown Phoenix. The city has dozens of museums, some of them are Phoenix Art Museum, Arizona Capitol Museum, Scottsdale Museum of Contemporary Art, Arizona Military Museum etc. One of the major attraction in Phoenix is golf, there are around 200golf courses. Also the oldest McDonald's is there with the best Mexican food. It is one of the best underrated cities to travel.

6. Muscat

 Muscat is the capital and most populated city in Oman. Muscat stands for safe anchorage infact the sea even today continues to comprise a major section of the city. It brings goods in containers and people on the cruise ships to the historic ports of the Mutrah and Old Muscat which contributes to a major chunk of the city’s economy. Places to visit in Muskat are Sultan Qaboos Grand Mosque, Royal Opera house Muscat, Al Jalali fort etc. 

 7. Malaga

  It is situated in Spain. Malaga is an important tourist destination it is also known as "the capital of the Costa del Sol", around 6 million of tourists visit the city each year. Popular attractions in Malaga are La Alcazaba and Gibralfaro Castle as well as the Picasso Museum. The best time to visit Malaga is in summers. 

Feria de Malaga is a traditional fair and cultural event held in the second week of August, this festival continues for eight days. Many art museums are also the main attraction of this city. 

8. Darwin

 Darwin a city in Australia. It is famous for its multicultural food, outdoor markets and waterside attractions. Darwin is the main service centre for a wide range of industries including mining, offshore oil and gas production. It has around 20-30 museums and art galleries. The most famous ‘Cage of Death’ is just about the closest way to see a crocodile, infact this close that you can just touch them. It's the best place to travel and enjoy.

9. Seoul

 Seoul situated in South Korea is a mix of old and new. From modern skyscrapers and neon lights to Buddhist temples, palaces and pagodas. It is the birthplace of K-pop, if you are die heart fan of K-pop you can visit here and have a real life glimpse. The best places to visit are Gyeongbokgung Palace, Bukhansan National Park,  Myeongdong Shopping Street, Changdeokgung Palace, The War Memorial etc.

10. Nellim and Lake Inari

 Nellim and Lake Inari situated in Finland. One of the best places in the Arctic Circle for catching a glimpse of aurora borealis, the northern lights. The area around is basically wild, best for kayaking and camping. The main livelihood comes from tourism and it is said to be one of the beautiful place to visit in Finland.

Conclusion

We have reasearched and got you the best underrated places to travel. Please enjoy.

Managing daily expenses is an essential aspect of personal finance. To some it is an art, for some it is a learned skill. In either way, it needs to be a mindful act.

The first step towards financial freedom is accurately tracking your monthly expenses, which will help is plan our daily needs. Tracking your spending, will give a perfect picture, where money is going and how would we like it to go. Post this, one can make prepare monthly budget, with keeping in mind daily needs. Daily needs can be managed, by taking in account one’s monthly statement and keeping in mind one’s spending pattern. There are a lot of financial planning and expense management software/apps floating on the internet. They segregate and aggregate your expenses, track your investments, and manage a bill calendar, among other things. Spending is both fixed and variables. Fixed are less likely to change like rents, insurance etc. however one needs more room for variable expenses like vacations, food, shopping etc. keeping a tab on these variable expenses or impulse buying, one can secure stress free money management in the later years.

By Archana Nilesh Gandhi

Here are some tips for managing your daily expenses.

Planning Monthly/weekly budgeting 

Helps one to spend within set limits. As you have been earning for a while so you will have a fair idea as to how much you tend to spend things. As you approach the limit set for a particular expense, you would automatically slow down the expenditure in that category. You can decide the budgets based on the expenses made over the last few years and then fix the expenses in your budget accordingly.

Prioritize Essential Expenses

Ensure that you cover your essential expenses first, such as rent, utility bills, and groceries. These are the necessities that should be allocated the highest priority in your budget.

Cut Back on Non-Essential Expenses

Analyse your spending habits and identify your non-essential expenses that can be reduced or eliminated. This may include dining out, subscriptions, impulse purchases, or shopping. Consider alternatives like cooking at home, using free subscription options.

Save for Emergencies

Few things come without knocking your door, we should always be prepared for such testing times. Its always essential to set aside a portion of your income for an emergency fund. This fund will provide a safety net during unexpected financial situations, such as medical emergencies or job loss.

Automate Savings

Make saving money easier by setting up an automatic transfer from your salary account to a separate savings account. This way, you won't be tempted to spend the money before saving it.

Comparison Shopping

Before making significant purchases, compare prices from different vendors or websites. Look for discounts, offers, and promotions to get the best deal possible.

Use Cash for Flexible Spending

Consider using cash for discretionary expenses like entertainment or eating out. This can help you become more aware of your spending and prevent overspending.

Avoid Instinct Buying

Before making a purchase, take a moment to evaluate whether you genuinely need the item or if it's an impulsive desire. Delaying gratification and thinking through your purchases can help you make more informed decisions.

Plan for Long-Term Goals

Apart from saving for emergencies, allocate funds for long-term goals like retirement, buying a house, or higher education. Consider investing in suitable financial instruments such as mutual funds or fixed deposits to help your money grow.

Follow the 50:30:20 rule

Spending 50% of your income on your needs, often constitutes to the following:

• Housing: Mortgage or rent

• Transportation: Car payment, gas, maintenance and auto insurance; public transportation

• Health care: Health insurance; out-of-pocket medical costs

• Life insurance

• Utilities: Electricity and natural gas; water; sanitation/garbage; internet; cell phone and/or landline

• Groceries, toiletries and haircuts, and other essentials

• Child or family care

Spending 30% on your wants, which you can make sure you’re not spending too much on things you don’t need and also ensure that some income is set aside as savings. 

• Clothing, jewellery, etc

• Dining out

• Outings

• Gym or club memberships

• Travel expenses (airline tickets, hotels, rental cars, etc)

• Cable or streaming packages

Spending 20% would contribute towards your retirement, emergency and other savings.

• Reducing debts, in today’s world where we can buy anything and everything on credit or EMI. These are additional expenses that needs to be monitored. If this criterion goes up and down, which in turn impacts the daily needs.

• Invest variables or promotions, you must be well aware about the variables or bonuses. They need to be planned and invested properly. 

Conclusion

Kindly remember, managing daily expenses requires discipline and consistent effort. By following these tips, you can take control of your finances and work towards a more secure financial future. Please consider help when finding it difficult to manage your daily expense. Mindful planning will always lead to managed future.

‘The city of lights’, ‘the city of Romance’, ‘the culinary capital of the world’, ‘the city of fashion’ all these are just names Paris, capital of France is known by. Paris, France is one of the most amazing places you will ever visit. There are so many phenomenal things to see and do you’ll never get bored. Paris is always alive and pulsating. Paris, one falls head over heels in love with it. The city life of Paris is a celebration of festivals, one of the leading business and fashion centres in the world. A blend of both old and new architecture.  Spring is the best season to visit, May-June, beautifully landscaped parks and walkways make it a pedestrian-friendly city. Paris is the most preferred tourist destination in Europe. Paris has a mix of Roman, Gothic and French styles. From iconic landmarks to charming neighbourhoods, Paris offers an array of experiences that will leave you enchanted.

By Archana Nilesh Gandhi

Embark on a journey through the top ten must-visit places in Paris, and immerse yourself in the magic that this extraordinary city has to offer.

Eiffel Tower: 

The Eiffel Tower is one of the seven wonders of the world. No visit to Paris is complete without seeing the iconic Eiffel Tower. The Eiffel Tower, one of the most famous landmarks in Europe and the world, is located in Paris, in the north-west of Champ de Mars. Enjoy breathtaking views of the city from the top, explore the tower's history, and take memorable photos.  The Eiffel Tower is characterized by a sophisticated engineering design that was a boom that preceded its era. The Eiffel Tower was built by the engineer Gustave Eiffel, and the tower was named after him.

Champs-Élysées: 

Stroll along the iconic Champs-Élysées, one of the world's most famous avenues. Explore high-end shops, dine in elegant restaurants, and visit attractions like the Arc de Triomphe. The origins of the Champs-Élysées can be traced to 1640 when space was cleared to plant a line of trees, which would later become an avenue. The name translates to “Elysian Fields” from the Greek mythology, meaning resting place of Greek gods and dead heroes, similar to the Christian paradise. Les Champs-Élysées, famous song by Joe Dassins speaks about the attraction.

Notre-Dame Cathedral: 

This stunning Gothic cathedral is an architectural masterpiece and one of Paris' most recognizable landmarks. Admire its intricate details, climb to the top for panoramic views, and explore the nearby Île de la Cité. The building's architecture, the sculptures present in it, and the impressive stained glass all stand as reminders that the French community invested most of its cultural values into the church at the time when it was constructed. It stands on the Ile de la cite, a larger of two islands in the Seine River. 

Palace of Versailles: 

Located just outside Paris, the Palace of Versailles is a magnificent royal residence. Marvel at the opulent halls, the Hall of Mirrors, and the stunning gardens, which are a true testament to French grandeur. It has served as the royal palace and numerous other purposes.It now serves as a museum of French history. It has earned the name “Chateau” which in French. Versailles was the seat of absolute monarchy and became its own symbol, it became the physical representation for power.

Seine River: 

Take a relaxing boat cruise along the Seine River to experience the beauty of Paris from a different perspective. Pass by iconic landmarks such as the Notre-Dame Cathedral, the Louvre, and the Eiffel Tower, while enjoying the city's romantic ambiance. The Seine remains central to French life, culture and identity. The port of Le Havre at the mouth of the Seine is France's largest international shipping port, and the river runs through the wealthiest and most populated of the 27 administrative regions of France, known as Île-de-France or the Paris Region. In Paris, the banks of the Seine are connected by a total of 37 bridges, including the Pont de l'Alma near the Eiffel Tower, the Pont des Arts, and the Pont Neuf.

Musée d'Orsay: 

Housed in a former railway station, the Musée d'Orsay showcases an extensive collection of Impressionist and Post-Impressionist art. Discover works by Monet, Van Gogh, Renoir, and many other renowned artists. A prominent centre for Western art, the museum is home to an impressive collection of paintings, photographs, sculptures, and decorative arts dating between the mid-19th century to the early 20th century. If you're looking for classic French Impressionism, the Musée d'Orsay is where it's at. The fifth floor is dedicated to Impressionist artists. If you enjoy Impressionist paintings, you'll find all the big names there: Cézanne, Degas, Manet, Monet, Pissarro, Renoir and more.

These are just a few highlights of the many incredible places to visit in Paris. The city is filled with rich history, art, culture, and culinary delights, offering a truly unforgettable experience.

Who doesn't enjoy travelling? Everyone loves travelling, but before that planning the trip is an important part. People plan trips for relaxation and enjoyment and by planning it properly you can make it more easy and comfortable, without any hustle you can enjoy it to the fullest. 

So here is a proper guidance on how to plan a trip.

By: Sanjhi kushwaha

Let's get started

1. Planning where to go

 Some people already know where they want to travel, some may need inspiration. Deciding the location can depend on many factors like for what reason you have to travel, for escaping the weather or for exploring the new culture. Deciding the location also depends on the budget. There are lot of websites that you can take help from for deciding the location.

2. Planning a loose itinerary

 Keeping the travel guide in mind, plan a loose itinerary. Mark place you want to visit, things that you have to do and food you want to explore. Also have an idea for how many days you are planning to travel. Keep all the things in mind and then plan the trip should not be hectic and tiring. Just research about the place how you'll get around, what kind of public transport is available and how much does it cost. This will help you to have an according to your budget.

3. Try avoiding travel agents

 The largest saving in your trip will be avoiding travel agents. You can use online travel websites to plan your trip, this will save you from high booking fees charged by the agent. Infact you get hundreds of options if you check online rather than by seeking help from travel agent.

4. Set a budget

 This is a very important step. Deciding the budget because next all the steps are dependent on your budget. How much money you want to step, do you want to have a minimal trip with low budget or you want to have a luxurious trip with a high budget.

5. Booking flights and Accommodation

 Once you're finsihed with deciding the place and budget. Next step is to book the flight and accommodation. Try to book tickets and hotels around a month before, so that you get offers and discounts available. If you book at the end moment there are high chances that you'll have to pay more. 

6. Pack light

 When everything is done and you're finsihed with booking and planning. The last thing to do is to pack light. Traveling with heavy luggage can be hectic and restricts your movement. Try packing important things and not too much clothes. Basic shirt, shoes, pants etc. On trips try to mix and match, roll your clothes while packing this helps you to save space. 

Conclusion

A trip should be full of fun. Just research all the things and laws about the trip, so that you do not face any hurdle. Take a lot of happy pictures and videos. Enjoy to fullest, explore all the adventurous things. And remember that traveling is a therapy. So never stop going on trips and enjoying them.

Opening and running a business successfully not just require dedication but also needs a consistent inflow of finances to pay diverse expenditures, drive growth, and capitalize on opportunities. However, finding appropriate capital may be a challenging undertaking for ambitious entrepreneurs and even existing business owners. So there are several methods for raising finances, allowing entrepreneurs to transform their unique ideas into profitable businesses.

By: Mamta Sahni

So let’s learn about some ways on how one can generate funds for their business in order to make it successful.

1) PRESALES: 

The concept of presales is straightforward: why wait to get paid for your labour when you can be compensated now? What about selling something that is not now available but will be in the future? Some business owners have discovered a method to accomplish exactly that.

In the context of company financing, presales refer to revenue-generating operations that generate cash for manufacturing before a product or service is provided to the consumer.

In other words, it is a method for a company to collect money from customers before they have to manufacture their goods.

The basic principle behind this procedure is that your consumers agree to pay in advance.

They can make a purchase and cash out right away, or they can sign a contract with predetermined payment and delivery terms.

2) CROWDFUNDING:  

Crowd funding has transformed how entrepreneurs and inventors raise funds for their ventures. It is a virtual community that lets users pool their resources to support a certain cause, company, or artistic endeavor. Crowd funding provides a more democratized method to finance, allowing entrepreneurs to reach out to a larger network of possible investors. It not only offers essential financial assistance, but it also works as an effective marketing tool, cultivating a community of early adopters and devoted consumers. Crowd funding has changed the game by allowing aspiring individuals to transform their ambitions become a reality by validating ideas, generating buzz, and establishing a client base.

3) ANGEL INVESTORS: 

Angel investors play a substantial part in the milieu of entrepreneurship by giving early-stage capital and assistance to firms. These investors, who are frequently high-net-worth individuals or highly successful entrepreneurs, invest their own cash in promising enterprises in exchange for stock or convertible debt. Angel investors are often more prepared to take risks than traditional funding avenues such as banks or venture capitalists since they want significant potential dividends on the money they invest. Aside from financial support, angel investors frequently bring essential industry experience, connections, and guidance to the conversation, assisting entrepreneurs in navigating hurdles and scaling their businesses. Their presence may greatly boost a startup's legitimacy and development possibilities, making them a crucial resource for entrepreneurs seeking not just cash but also strategic assistance and industry contacts.

4) BOOTSTRAPPING: 

If your company isn't in an industry that requires a lot of starting cash, such as manufacturing or transportation, you might possibly fund your own venture—and it could be easier than you think. For example, even if you don't have enough savings to run the business, you might acquire a 0% / low interest APR payday loan card, which allows you to borrow money for a set amount of time without paying interest.

Perhaps you believe that supporting the firm yourself is fraught with danger—and it is. However, it is critical to examine your potential. According to Brent Gleeson, a leadership and team building coach specializing in organizational changes, "if you believe in your vision and refuse to accept failure as an option, you will succeed."

5) BANK LOANS: 

Banks are regarded as the top priority for start-up businesses since they provide a more trustworthy and simple method of obtaining funds. Banks give finance to start-up businesses in two forms: term loans and working capital loans. Almost every governmental and private sector bank in India provides loans to businesses for start-ups. However, the cost of borrowing, interest rate, loan amount, and payback term given by each bank will differ. 

If you are new to lending and have no financial history or credit score, it will be difficult to obtain loans from private or public sector banks. Check your credit score and then contact Non-banking Financial Companies (NBFCs) and Micro Finance Institutions (MFIs) to apply for a Startup Loan.

6) GOVERNMENT PROGRAMS:  

Government programmes may be quite beneficial in fostering company growth. Here are some examples of how government programmes might assist businesses:

Governments can give several types of financial help to businesses, such as grants, loans, and tax breaks. These programmes can assist firms in obtaining the financing they require to grow their operations, engage in R&D, or recruit new personnel.

Infrastructure Development: Governments can invest in infrastructure development projects such as road construction, bridge construction, port development, and airport construction. Infrastructure improvements may improve connection and logistics, allowing firms to operate more effectively and enter new markets. Governments can build and fund business incubators and accelerators, which provide a supportive environment for startups and early-stage firms. These programmes frequently provide Mentorship, office space, network access, and financing options are all available.

Governments can offer money for research and development initiatives, particularly in technology-intensive businesses. Governments stimulate innovation and assist firms develop new goods, processes, and technology through subsidizing R&D.

Export Assistance: Governments can provide programmes to help enterprises develop into overseas markets. These programmes may include market research, trade missions, export funding, and export marketing activities to assist enterprises in accessing global prospects.

CONCLUSION: 

Finally, raising capital for a firm is a vital component of its success and growth. When attempting to obtain capital, entrepreneurs and company owners have several options to consider, each with its own set of advantages and disadvantages. Businesses may get the required funding to power their endeavours by carefully examining their choices while creating a well-thought-out strategy.

For many firms, traditional approaches such as bootstrapping, soliciting loans from financial institutions or courting investors remain viable options. However, as the landscape of corporate finance evolves, different techniques have gained importance. Crowdfunding platforms, angel investors, venture capital companies, and strategic alliances provide alternative means of raising cash and using external knowledge and networks. Furthermore, enterprises might investigate government programmes and initiatives aimed at fostering entrepreneurial growth.

 Finally, raising financing for a firm takes careful preparation, intelligent decision-making, and a thorough awareness of the available possibilities. Entrepreneurs must be proactive, resourceful, and adaptive in their approach, continuously looking for opportunities and determining which ones are the greatest match for their individual requirements and growth trajectory. Businesses that have a solid finance plan in place may acquire the resources they need to survive, develop, and realise their full potential in an increasingly competitive business world.

There are a number of different dating sites to choose from, each one with its own unique features and benefits like some dating sites are intended for those who are looking for a serious relationship, while others are more casual.

No matter how unique are your needs and preferences, you are going to find dating site that perfectly fit for you. Applying for a dating site is a great way to get started in the world of online dating, and can help you find the perfect match for you.

So, once you have made up your mind to register yourself and start your search for someone special, question arises where do I register? The best dating website. Below are the guidelines for the same.

Tinder

Download: https://play.google.com/store/apps/details?id=com.tinder

The very first on the list is the world’s most popular Tinder. It’s a US-based app allowing users to “swipe left” and “swipe right” to like and dislike other users’ profiles. It is the most preferred dating app in India and is widely used in metro cities such as Mumbai, Delhi, Bangalore, etc.

Features

This feature allows the user to attach a note while liking a profile. This enhances the chances of engagement as the other user see your profile before they swipe for like or not.

The boost feature allows you to be one of the top profiles in your area for 30 minutes. Which increases visibility and widens your reach near you which makes it easy.

This is a premium feature, designed to highlight your most swipe-worthy potential matches.

Pros of Tinder

Registration is quick and the customised matches arrive fast—it’s got good tech support. Tinder saves time over traditional dating, and even over other dating apps, It’s user-friendly and anonymous, and you won’t get unwanted emails. It’s easy to get a date on Tinder, and any initial rejection is anonymous; if someone “swipes left” on you, you won’t know.

Cons of Tinder

Once you start dating online, you put your image and basic information on the Internet forever, which raises some privacy concerns. Along with that, you have to have a Facebook account to use Tinder, which carries its own set of privacy issues. Tinder has been hacked more than once. 

Another con of Tinder is that it can encourage compulsive use, keeps you glued to your smart phones.

Tinder is appearance-based. Anyone can post a fake photo or an old photo, and you won’t know until you meet him or her face-to-face.

OkCupid 

Download: https://play.google.com/store/apps/details?id=com.okcupid.okcupid

It’s a very neat and clean user interface allows the user to navigate through profiles easily. Users can choose the potential match based on preferred interests.

Features

The boost feature allows the user to be one of the top profiles in your area for 30 minutes. If you boost your profile during local time chances of visibility increases and you can reach to a wider user nearby.

As the name says, a super like is a way of showing someone that you are interested in them. 

Read receipts feature will let you know if your crush or potential match has read your messages or not. 

Pros of OkCupid

Searching for matches and sending/receiving messages doesn’t require a subscription, making OkCupid one of the best free dating sites out there.

Has two levels of paid membership that are packed with useful premium features.

The dating app attracts a huge variety of interesting singles. You’ll see everything from artsy, edgy & creative to attractive, ambitious young professionals.

Cons of OkCupid

Since anyone can create a profile and send messages for free, some people on the site aren’t serious about actually meeting someone. You may also encounter more fake profiles than you might on a paid dating site.

Badoo

Download: https://play.google.com/store/apps/details?id=com.badoo.mobile

This Russian-origin-based dating app is excellent for those who are looking for love, friendship, or casual relationships. Its majority of users are late teens and young adults coming from European countries. The app has a high percentage of member activity.

Features

The best feature is the use of search filters while using the app. This allows the user to search according to preferred filters, helps find best matches.

Viewing who visited your profile is also a top-notch feature that helps a lot in finding who is interested in you.

Messaging premium members is also an interesting and amazing feature that this app holds.

Invisible Mode — members can browse Badoo without anyone seeing.

First To Contact New People — chat with new members as soon as they join

Pros of Badoo

Free Basic Membership 

Easy Sign-Up

Badoo Premium Features

Real-Time Location Connections 

Transparency and Security

Cons of Badoo

Pay to Increase Profile Views, Status, Encounters

Purchased Credits Will Expire

No Matching Algorithm 

Hinge

Download: https://play.google.com/store/apps/details?id=com.hinge.mobile

This app is claiming to be the only dating app that is focusing on long-term connections among the user. The key matching functionality is based on interests and preferences rather than mindless swiping culture.

Features

The users of the app can indicate interest by liking and commenting on stories or photos of other users. This is far better than sending an icebreaker message.

The app lets you read the messages that you sent, without deletion. Hence, conversations and matches never expire.

This is perhaps one of the best features of the app. Hinge lets you move from messaging to a video or phone call easily. As a result, you can start dating from home.

Pros of Hinge

Hinge makes it clear it’s for relationships, not hookups, which puts everybody on the same page.

Rather than swiping, you interact with the dater’s profile content directly.

Cons of Hinge

Some users faced trouble getting their Facebook info to display the way they want it to on Hinge.

Aisle

Download: https://play.google.com/store/apps/details?id=com.aisle.mobile

Aisle is India’s leading dating app focusing on building a community that believes in long-lasting relationships. It’s a perfect bridge between traditional matrimonial websites and casual dating apps.
 

Features

The app uses a solid and detailed algorithm that allows a person to choose a partner based on caste, age, religion, and hobbies.

The app focuses only on long-term matches rather a casual dating.

Aisle has a decent user interface which is appealing to many.

Pros of Aisle

A comprehensive registration process which includes completing much of your profile

Affordable membership pricing

Cons of Aisle

App hangs occasionally

Conclusion

Always share personal details in a secured manner, not to fall prey to what you see without judging it correctly.

DAMRO, ARUNACHAL PRADESH, INDIA 

India is a country with numerous destinations that is explored by many. No matter whether you go to east or north o south or west you will definitely find numerous places that are still untouched and unexplored by many. Damro in Arunachal Pradesh is among the least explored places that you should add to your next vacation destination.

By Anushka Maitra 

Damro is the base to the longest hanging bridge (approx. 1000 feet) in Arunachal Pradesh, India. It is no doubt a hidden pathway to heaven. Damro is full of thatched bamboo houses, suspended bridges, and old traditional lifestyle of the locals. Among the list of unexplored places in India, it is a rural sort of Gateway for exhausted rich city dwellers in those busy and noisy cities. The site of crops, animals including bison which is perhaps not too wild to be afraid of, meadows and vast grasslands. 

The main Attraction is Damro is the Labokellie Tea Garden.It is surrounded by the beautiful states of Assam and Mayanmar. Arunachal Pradesh is often ignored by the travelers because of the other beautiful states in North East. How, Damro is a hidden beauty of abundant natural resources. Boasting of being the base for longest bridge in Arunachal Paradesh, Damro is one of the best places to start your journey in this beautiful state.

LOCATION: Damro is situate in the Mariyang Block of Upper Siang in Arunachal Pradesh. 

It is one of the largest among 21 villages of the Mariyang Block in that district. Despite having a small population of just under 500 living in 78 houses, it stands out for the laid-back life of the villagers which you can experience during your stay there.  

Best time to visit

The months of October-April are the best time to visit Damro, however you can visit it anytime during the year as well.

How to reach:

By Air: The nearest airport is at Pasighat located 42 km. away from Damro. You can also take a flight to Dibrugarh airport located 232 km. away.

By Train: The nearest major railway station is at Dibrugarh located 232 km. away.

By Road: You can reach Damro from two major cities in Assam via the state national highways in Dibrugarh (232 km.) and Guwahati (642 km.)

From the airport or railway station, you can hire a private transport or take a local transport bus to reach Damro.

What makes DAMRO special?

Known as the original village of the Adi Padam Tribe, a lot of travellers are keen to experience their age-old customs, while they make their way across the bridge with their “Mithun”, a domesticated form of the Indian Bison, Gaur. It is known to come forward on their master’s call with a promise of some salt offered. The tribesmen of the village are also believers of “Donyi-Poloism” which centers around the worship of the sun and moon and has a distinct colourful culture.

WHERE TO STAY?

In the recent years, the area has become quite popular for farm stays and expeditions organised by private operators such as the Abor Country Travels and Expeditions. One of their best options to stay here is the Yamne Abor which is a 40-minute hike from the bridge. Just above the woods in a cluster of thatched bamboo houses this beautiful dwelling is run by a few locals and houses three pretty cottages which are perfect for your stay in the region.

WHAT TO DO?

The village with the longest hanging bridge in Arunachal Pradesh .You can take a hike upto the Damro bridge or trek down the famous routes at Pasighat and Yingkiong. Apart from observing the locals go about their daily harvesting activities, you can also try a hand at fishing with the locals. Their local delicacies of smoked pork, raja chilli chutney and apong (rice beer) are a must try during your visit here.

 Earthquake again in some districts of North Bengal Tremor felt in Jalpaiguri, Alipurduar, Darjeeling, Cooch Behar.

Siliguri: Earthquake again in some districts of North Bengal Tremors were felt in Jalpaiguri, Alipurduar, Darjeeling, Cooch Behar on Tuesday morning. I have felt 3 tremors since last night 

North Bengal shook again in just a few hours. Polling for the third phase of assembly polls is underway. Meanwhile, at 7.07 am on Tuesday, tremors were again felt in the northern districts including Siliguri. The magnitude of the tremor was 4.1 on the Richter scale Its source was 64 km from Siliguri, 10 km deep from the surface Apart from West Bengal, tremors were felt in several parts of Sikkim Experts believe today, Tuesday morning earthquake yesterday, Monday night earthquake aftershock

Several areas of North Bengal were shaken by the earthquake on Monday night. The earthquake was felt at around 8:49 pm yesterday. According to the National Center for Seismology, the source of Monday's earthquake was the Nepal-Sikkim border. The magnitude of the tremor was 5.4 on the Richter scale. Tremors were felt elsewhere in the state and also in Assam and Bihar. Tremors were felt in Darjeeling, Cooch Behar, Jalpaiguri and North Dinajpur. No damage has been reported so far.  

Panic spread in just a few seconds of earthquake on Monday Many people came out on the streets in panic.Earthquake felt across Jalpaiguri district. Yesterday, at 8:49:59 p.m., this tremor was reported. However, no damage was reported due to this. Apart from Jalpaiguri, tremors were felt in large areas of North Bengal including Alipurduar, Siliguri, Mainaguri, Cooch Behar, Malda, North Dinajpur. Earthquake occurred in Murshidabad too. Panic spread at Jalpaiguri Sadar Hospital's Mother and Child Hub due to tremors.

Every relationship is special and unique in there own way. People come together because they share a common goal, have emotional attachments but every relationship goes through ups and down, partners put their best efforts to make it work. However relationships require attention and commitment also with time everything can be boring if done in the same manner. So here are some tips to avoid boring conversations in a relationship.

By Sanjhi kushwaha

So let's just begin-

1. Stop having Surface level conversations 

 A lot of couples make a huge mistake by just talking about there daily routines. They just talk about the whether, what they had in lunch, how was there day at work etc. Apart from this they do not get involved into other deeper conversation, this habit of having Surface level conversations can make your relation boring and bring disconnectivity. While you cannot have physiological or deep conversation everyday but you can do better talking to avoid boredom.

2. You never Argue or Fight

 Not everything is perfect and even cannot be. Never arguing or putting of your voice can be sometimes be very wrong. It may seems like that you're being cool by avoiding mistakes and letting things go but in reality you're collecting bundle of misunderstanding which will create problem in your relationship. It also doesn't mean to fight 24*7 but to have healthy disagreements, share tough emotions and understand each other's feeling.

3. You don't talk about the hurt feelings

 Anything that upsets you and being ignored can be a drawback in your relationship. You should always talk about the hurt feelings and any emotional damage that is caused by them. Not talking about such things can bring boredom to your relation. Not just normal or loving conversations are a key to healthy relationship, you should often talk about the hurt feelings.

4. Start sharing your hobbies

 Every partner should be intrested in knowing the others hobbies. This can be a beautiful thing to share and talk about, this will let you express your inner self as well as it help your partner to know more about you. This will also remove the boredom caused in relationship by talking about such things and then practically performing them with the other.

5. Talk about the beginning of your relationship

 Talking about the old day, the starting of your relationship how you guys met, how was your first date. Simple and such happy reminders will get your old memories back and you'll enjoy thinking about them. Revisiting the old memories will spice up your relationship and remove the boredom.

6. Read books and discuss about it.

 If you and your partner enjoy reading then select a common book and read it together. Once the book is finsihed you can have detailed discussion about it. Ask about the favourite part, the favourite character, opinions about the topic etc. This will help you to connect more and know about your partners character.

7. Pick a show to binge watch together and then talk about it.

 At present time, people are soo much into the movie's shows etc. They enjoy watching them, infact everyone has different taste so by that you can share your opinion about different shows you watch. You can suggest each other some shows and can talk about them for hours. This will not let you to get bored easily.

8. Open conversation

 Having a nice open conversation with your partner is very important, this will build trust between you and your partner. Having open conversation will let you know more about each other. This will deepen up your relationship, it's just you should be honest while sharing your interest and opinions. This is the best way to remove boredom.

9. Give each other compliments.

 While having the conversation you can just compliment each other, about the positive things your partner has. This will create a strong connection between you people and generate more love and affection. 

Conclusion

Everybody is happy but just adding these tips you can avoid boring conversations in your relationship. It's important to invest and put efforts. This will help you have a relationship that stays fulfilling and happy.