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What to Expect Before and After Breast Augmentation Surgery

Sometimes, due to a variety of reasons and factors, women desire to change the way their breasts look and feel. This could involve changing the shape and the size of either the breasts or just one of them (depending on each case). The varied reasons for women wanting to change their breasts could include body image issues and low self-esteem, change in breast size post-pregnancy or due to weight loss, asymmetrical breasts due to undergoing surgery, etc., whatever may be the reason; women can change their breasts with a Breast Augmentation surgery.

What is Breast Augmentation?

In the simplest terms, Breast Augmentation means a surgery that is performed to insert implants in your breasts to enlarge the breasts and achieve the desired appearance. Breast Augmentation is also sometimes referred to as augmentation mammoplasty or, in a more informal way, as a boob job.

Things to consider before a Breast Augmentation Surgery

Getting Breast Augmentation surgery is a big decision, and you must consider certain important things before going ahead with it.

Is it okay for you to get Breast Augmentation?

First and foremost, it is imperative that you are above 18 years of age to qualify to get the surgery. Other than that, pregnant women and women who are breastfeeding cannot get Breast Augmentation surgery.

What kind of implants do you want?

Depending upon your specific requirements and concerns, you can choose out of the two types of implants available:

Silicone Implants

Silicone implants are perhaps the most common ones. These are made out of silicone and filled with silicone gel. They feel quite like the natural breast tissue when compared to other kinds of implants. They are available in different sizes and two shapes – teardrop and round.

Saline Implants

Saline implants are made out of silicone but are filled with sterile saltwater. The biggest advantage of getting a saline implant is that the surgeon has more control over the size. But they do not feel as natural as the silicone ones

Apart from the silicone and saline implants, you could also go for what is known as fat grafting, which involves extracting fat from a part of your body and infusing them into the breasts. This method is the most suitable if you are looking for a slight increase in breast size.

Who is performing the Breast Augmentation surgery?

This is an important factor to consider before a Breast Augmentation surgery. Getting the surgery done from a good and reputed skin clinic with qualified and experienced plastic surgeons is very important. A good plastic surgeon will always give you the best advice based on your specific concerns, requirements and other factors like your current breast shape and size etc. and will perform the surgery skilfully and will also help you with post-surgery recovery.

How do you prepare for the surgery?

Your plastic surgeon will give you certain guidelines about what to do and not to do before you get Breast Augmentation surgery. This could include instructions about avoiding certain medications, taking a particular diet, not using products like perfume, avoiding smoking, wearing loose clothing on the day of the surgery, etc. Make sure you follow every guideline to make the procedure easy and safe for yourself. Also, fill out your prescriptions so that your medications are ready when you are done with the surgery.

What happens during the surgery?

If you are getting Breast Augmentation surgery and are scared or anxious, here is all the information on what happens during the surgery and what to expect.

First and foremost, you will be give anaesthesia by the plastic surgeon. The type of anaesthesia they give you will be decided by the doctors.

The surgeon will then make one of the following three incisions:

Submammary or inframammary incision

The incision is made below the patient’s breast, and this is why most patients prefer it over the other two types of incisions.

Periareolar incision

The incision is made around the patient’s nipple. Therefore it is mostly advised to women who have a larger nipple-areolar complex.

Transumbilical Breast Augmentation (TUBA)

The incision is made in the umbilical area/ the navel. This is usually the least recommended of all types of incisions.

After the incision, the surgeon will then place the chosen implants. Now just like there are different ways of making the incision, there are different ways of placing the implant as well.

Sometimes the implants are placed below your breast muscles. It is known as Submuscular placement, and it makes sure that the implants are not palpable.

When the implants are placed on top of the muscle but under the breast glands, it is called Subglandular placement. The benefit of such a placement is that it is less invasive.

Your surgeon might also decide to go with Partial Submuscular placement of the implants, wherein they will partially be placed under the pectoral muscle and partially under the breast tissue.

What to expect after getting Breast Augmentation surgery?

Just like after any other surgery, after Breast Augmentation too, you will need time to recover. You might experience some muscle soreness, swelling and scarring, and it might take a few weeks for the implants to start feeling natural. The recovery time will depend upon different factors such as your age, the type of implant placement and incision etc.

For soreness and swelling, ice packs are a great solution. It is always advised to take appropriate rest after getting Breast Augmentation done, so avoid working out. Keeping a light and healthy diet speeds up the recovery.

It is important to know that while Breast Augmentation surgery will give you long-lasting results, over time, because of factors like age, hormonal changes etc., your breasts might slightly change their appearance. You can get an implant replacement or consult with your surgeon for the best option for you.

Breast Augmentation surgery can help women change the way their breasts look. If you decide to get Breast Augmentation, then choose a good skin clinic where you will be in the hands of experienced surgeons. The surgery isn’t very long and painful, and if you follow through with all pre and post-care guidelines, you will be fine.

Organise your kitchen drawers and cabinets: We tell you how

The start of a new year is a joyful time for all. Filled with new hope and determination, you make a list of dreams and goals you hope to accomplish in the coming months. But some goals require a bit of planning, such as tidying up certain rooms of the house. This year, you have resolved to set your kitchen in order, because you want it to be a place of joy and inspiration – which it is not now!

We give you a simple guide for accomplishing this goal with your drawers and cabinets:

* Start afresh.

It’s the start of a new year, and you should start it with a new note in everything you do. Let this be the year that you remove all that is unnecessary in your life and let positive energies flow in. This can happen when clutter is removed, and space is created for new energies. In the context of your kitchen, what this simply means is that you need to empty out all your drawers and start sorting the contents.

You will be surprised to note how many items you no longer need; how many are broken or beyond repair, how many can be donated to charity to make way for replacements, and how many new things you need to buy for a more efficient kitchen. Taking stock by decluttering helps you make way for new acquisitions. It also rids you of the things that were taking up essential space. Now that the clutter is out, you can get on with organising your kitchen drawers and cabinets with a fresh eye.

* Devise a storage system.

You now have more space left over after decluttering your cabinets and drawers. Examine the kitchen fittings inside the drawers and cabinets. If any hinges are squeaky or have come loose, they will need replacement. Similarly, drawers that grind upon opening or which need to be shoved hard to close have probably damaged their runners/channels. Before you start re-stocking the kitchen, you must get these important kitchen fittings replaced with high quality ones. This is also a good time to install handle less drawers from a leading modular kitchen brand, to give the kitchen a sleeker appearance.

Now that the fittings are replaced, you must devise a storage system that makes sense. The better the system works, the more efficient the use of the space becomes. For instance, spice jars and condiments must be placed in the drawer just below the cooking top. Heavy pots and pans must be in the bottom drawers which are deeper and made for higher loads. All kitchen’s usage patterns are different, and storage cabinets and drawers must be stocked based on what makes sense to the user. This way, whatever is needed is easily at hand whenever needed.

* Insert drawer compartments or dividers to keep everything just where it is needed.

Drawers must be organised properly, or they become a big jumble of items. How many times have you opened your cutlery drawer and stared in dismay at a mess of serving spoons, tablespoons, forks, and knives staring back at you? It is an inefficient and time-consuming mode of storage at present, but it is easily remedied by inserting drawer dividers or compartments. These are important kitchen fittings and accessories that keep everything in its proper place, and they can be arranged to create longer, or narrower compartments as needed. Thus, you can have a longer compartment for knives, a smaller but wider one for spoons, a larger one for ladles, and so on.

The Top Benefits Of Drinking Water And How Mineral Water Is The Best Choice For Consumption

Nearly 7 per cent of all adults do not drink water regularly in a day. Keeping oneself hydrated is important for well-being and general health of all individuals. Drinking water at constant intervals in the day can have a broad spectrum of health benefits on the human body.

Joint Lubrication

Cartilage located in the joints and spine disks consists of around 80% of water. If the dehydration goes for a long time, this can severely reduce the shock-absorbing capability of the joints. Drinking a 1-litre water bottle of mineral water can do wonders to the healthy maintenance of bone health.

Digestion enabler

Water creates saliva, which is essential for preventing damage to mouth and eyes. Drinking water constantly keeps the moth clean. Drinking water helps decrease tooth decay.

Helps in oxygen delivery to the entire body

Blood consists of more than 90% water, thus acting as a top facilitator of oxygen delivery to the various parts of the body.

Skin health and beauty are guaranteed by drinking water

The skin will become dried, and premature wrinkling will begin if dehydration occurs in the body. Water supports the spinal cord, brain and other sensitive tissues.

Body temperature regulation

Water contained between the skin layers comes into the skin’s top surface as sweat when the body temperature rises. Drinking a lot of water can reduce the physical strain when the task at hand is likely to cause more heat in the body. This happens all the time during the exercise. Drinking a 1-litre water bottle of uncontaminated water after each exercise session is always healthy to the body.

Elimination of body waste and maintenance of blood pressure

Water is used to carry out different metabolic activities of the body and keeps the body in top shape. Drinking a lot of water can dilute the blood thickness to normal levels and helps in controlling the blood pressure.

The choice between tap water and mineral water

The naturally occurring minerals in mineral water can be easily absorbed by the body. Drinking 1-litre water bottle of mineral water will build the magnesium and calcium levels in the body. People who are on a salt diet should put a limit on their mineral water consumption.

People who do not drink milk have reduced calcium concentration in the body. The calcium is vital for the strong maintenance of the bone structure. Latest reports have indicated that drinking mineral water with increased calcium levels in it, can improve the bone mineral density.

Carbonated mineral water in a 1-litre water bottle can significantly decrease the total levels of cholesterol. Mineral water increases the levels of good cholesterol in the body. Added to this, mineral water is also rich in essential nutrients such as iron, sulphate, potassium, bicarbonates and chlorides.

Few reasons to include mineral water in your diet

Sparkling varieties of mineral water come with an optimum level of pH that helps maintain body equilibrium. Increased mineral water consumption rich in calcium and magnesium is helpful in the decrease in the incidence of kidney stone formation.

A 1-litre water bottle of sparkling mineral water decreases your appetite and cuts on your food cravings. Female drinkers can be guaranteed with bone strength due to the consumption of mineral water.

General cognitive abilities are immensely improved with the presence of potassium in mineral water. The painful swellings in the joints can be suppressed due to the anti-inflammatory properties of mineral water.

The Bottom Line

Water is essential for every organ, cell and tissue of the body. Make sure to carry a 1-litre water bottle of mineral water wherever you go. Keep an accurate track of your water intake.

How to Buy a Rug: Tips on Buying an Area Rug

Rug – This three-letter word that adds three cheers to your room

Rugs are an integral part of interior design and in making the furniture look all the more elegant. A rug is placed on the floor, and it can be placed near or under furniture. The space in between rugs or furniture is necessary to allow walking space for others. This interaction between open spaces and area rugs can add so much more to the way your room looks.

The feel of different rugs based on what it looks like

You might buy a rug that is beautiful or one that makes your room look beautiful. Your preference and desire will decide the final outcome of what the rug makes your room look like. It can add a soft feel to your room if made with faux fur, look rich with an intricate design and can be best suited for hardwood floors if made with felt. There can never be a one size that fits while buying rugs.

Rugs that put together and compliment your entire home or a room

An area rug can help accentuate your room and all the furniture in it. The colour scheme of your room created in combination with the wall colour, the colour of the furniture, other items and decorations placed therein can all be made to look like a work of art with a fitting area rug. The colour, texture, size, placement and material of the area rug are key to picking the best one as per your need. Placing an area rug under your sofa that compliments the sofa’s colour and texture can brighten the room to another level.

Rugs in Dubai that are perfect if you want to buy rugs online

If buying online, you can have all the best rugs in Dubai put together in one place for your convenience. You will find Berber-style rugs that last long, printed area rugs that match the room’s flooring, contrasting rugs that make a statement, and many more. Rugs in Dubai excel in style such that you will find geometric patterns that look distinct, floral designs that add feminity or cheer to the room, solid and textured area rugs that are subtle or contemporary rugs that have abstract patterns. Area rugs are not only beautifying but also functional in making your room look just right.

Buying the most suited rugs in Dubai that match your taste

Buy rugs in Dubai with ample rug pad if loud noise echoes in your room as these rugs absorb sound or give oriental area rugs a try for a palatial feel for your home. Try synthetic area rugs or add meaning and texture with jute area rugs for more durability. Wool will look quite stunning thanks to the softness in combination with colours. Choose a darker colour to not have it look dirty if you vacuum the rug irregularly. The perfect area rugs can be one that brings the entire room together at one point or distributes the beauty with its modern weave or design. Area rugs have to be a perfect base for the entire size of the furniture if placed under one. Whether a table or a chair, the interior design of the room oomphs up with a suited area rug. Pick the area rug that not only looks how you want it to but also stays like that over time.

6 Nature-Friendly Alternatives to Traditional Gifting

Who doesn’t like gifts? Be it birthdays or anniversaries, gifts are something that we all love! However, with changing times, the choices for gifting have also been going through a lot of evolution. Today people are more inclined towards giving thoughtful gifts. When we speak of being responsible, nothing trumps environment-friendly gifts.

You will be surprised to know how more and more people today go for eco-conscious gifting alternatives as it is the right choice. Not only do you have extremely innovative gifts in this category, but it shows how much you care about the environment.

Here we are going to list six of the alternatives you can opt for that are great replacements for traditional gifting:

1. Cute produce bags for the win!

Hearing it for the first time? Well, now you know about this eco-friendly anniversary gift that would make any couple happy! These reusable bags are useful to keep your fruits and vegetables fresh for a longer time. Moreover, these are a great alternative to plastic bags and are needed on an everyday basis. You might be doing a couple a great favour by giving such a thoughtful and eco-friendly gift!

2. Thermal travel coffee mugs

With the daily hustle and bustle that our lives are accustomed to, we almost have no time to sit down and have a mug of coffee or tea before we head out for work. In such scenarios, an eco-friendly coffee mug is a great alternative. Not only does it contain a good amount of liquid, but it also helps in keeping your beverage warmer for a longer time.

3. Perfect pick from a thrift store

For all your friends who love something unique, a thrift store gift is on the rise these days. Whether you are looking for a repurposed outfit or a recycled piece of jewellery, you get it all at the thrift store and in perfect quality. These days, many people opt to shop from thrift stores rather than generic malls.

4. Small but cute plants

Probably the most relatable gift that you can think of when someone mentions sustainable gifting instead of traditional gifting is a cute pot of plants! Today, you will find plenty of gifting options where beautiful pots with small plants are put up for sale. Not only do they make for an excellent addition to your home décor, but plants also spread more greenery well within your home! Maybe on your study table or just by the window sill, it truly makes for a beautiful gift.

5. Handcrafted décor

There have been increasing conversations on how we need to appreciate our local artisans for their incredible talent. So, go for handcrafted décors like a hanging lamp, cane bar stools, or even yoga mats! Handicrafts are the future, so why not give them to someone as a gift?

6. Solar-Powered Phone Charger

One of the most thoughtful gifts you can give to a loved one is a solar-powered phone charger. This device is slowly gaining a lot of momentum and is an excellent way to use solar power. It can come real handy while travelling and is one of the most sustainable choices that you can make. The portable solar charger market is predicted to increase to $1.7 billion by 2025!

Wrapping up

The alternatives mentioned above are a few of the easiest ones you can find anywhere and are quickly becoming trending gifting options. These are some excellent ideas that can come in handy for the next gift you head out to buy. Make your choice wisely!

Bid Farewell to All Flu with Grandma’s Kadha

There is no question that winter and immunity have a tumultuous relationship. In addition to winter, some people are also vulnerable to coughs and colds with the weather changes. As a result of the temperature change, our body is prone to infections and other ailments typical of the winter season, including colds, coughs, and influenza. Dressing in the warmest winter gear is not always enough because you may not be as protected as you think you are. The common cold and cough cannot be cured, but there are several ways of combating these seasonal illnesses. To keep your infections at bay, you need to bolster your diet with nutritious, healthy, and warm foods. In your quest for the same, you can make use of many different kitchen spices. Spices naturally associated with winter are packed with antibacterial and anti-inflammatory properties that protect from colds and coughs. You can buy an Ayurvedic Immunity Booster this Winter to protect yourself from fever and cold.

Turmeric: When taken every day in winter, turmeric milk will increase immunity and guard against various infections. Turmeric has antibacterial, antioxidant, and anti-inflammatory properties that helps in preventing and treating a range of ailments.
Tulsi: A person’s ability to combat a common cold as well as a cough is enhanced when they consume tulsi leaves. Infections can be prevented with the assistance of tulsi, which increases the production of antibodies. Tulsi is also known to relieve coughs. As a result, you can cough out sticky mucus and soothe the airways.
Liquorice: Liquorice root is also demulcent in addition to its expectorant properties. It gives you a soothing sensation while loosening and thinning mucus and soothing congestion, as well as easing inflammation in your throat.
Coriander: Vitamin C and iron present in coriander leaves help boost immunity and help the body to fight off infections during the winter season. It is recommended that you eat coriander leaves to counter the effects of colds due to the antioxidant quercetin.
Black pepper: Taking black pepper regularly can keep infections at bay and help relieve discomfort. It also has antibacterial and anti-inflammatory properties. In addition to vitamin C, black peppers contain antioxidants that boost immunity and act as excellent antibiotics. You should crush the peppercorns to maximize their benefits. As well as clearing up chest congestion and clogged noses, black pepper is also known for its medicinal properties. Honey serves as a natural cough suppressant, so black pepper combined with honey has been a popular tonic in Indian homes for decades.
Dry Ginger: There is a long history of ginger being used to treat colds as a herbal remedy. These properties may be effective in reducing swelling and easing sore throats. In addition to its antibacterial properties, ginger may also prevent the spread of viruses that cause colds.
Shankhpushpi: Shankhpushpi has powerful antibacterial properties and is widely used for the treatment of bacterial infections. This traditional herb has bioactive compounds that reduce the risk of infection, reduce worm infestation and promote wound healing.
Echinacea: Echinacea extract appears to boost the body’s immune defence against germs. It is scientifically proven to increase the number of white blood cells which fight infection.
Amla: An amla is an excellent source of vitamin C. Therefore, it helps soothe a cold and runny nose. As compared to commercial vitamin C supplements, amla contains more vitamin C and can therefore be absorbed more easily by the body.
Bharangi: Ayurveda uses Bharangi for a healthy respiratory system and good vocal harmony. It is one of the oldest plants used in the system. It is known as a bleeding heart, bag flower, and glory bower. Leaves of the Bengali plant Harangi are said to enhance appetite and stimulate expectoration.
Galangal: Throughout Asia, galangal has been used as a natural remedy for colds, coughs, and sore throats for thousands of years. With its expectorant properties, it aids in loosening phlegm and expanding the lungs.
Kalmegh: As a Kapha and Pitta balancer, Kalmegh has antimicrobial properties and stimulates the immune system. This may inhibit tonsil inflammation. Besides reducing tonsillitis symptoms such as fever, sore throat, and cough, it also treats the underlying cause.
Vasaka: Having anti-inflammatories, antibiotics, and expectorants, Vasaka is of great significance for treating colds, coughs, and flu symptoms. As an expectorant, Vasaka is highly effective. Bronchitis is rapidly relieved with its ability to soften thick sputum, make it easier to expel and provide rapid relief. Throat irritation and sore throat are also relieved with its use.

Some of these ingredients might be familiar to us from our grandmothers, and we might also use some of these in everyday life. Yet, not all of these ingredients are always available in our kitchens. And all the ingredients above are indeed beneficial for cold, flu, and cough; however, what if they’re combined? Imagine how effective that ayurvedic kadha would be! Grandma Kadha got you covered. It is an immunity booster ayurvedic herbs’ mixture. This product contains these ingredients and is beneficial to those suffering from colds and flu.

Key benefits of kadha:

A time-tested herbal ayurvedic medicine (herbal tea) for colds, flu, congestion, headaches, inflammation, and infections. Through this Kadha, you will return to your true self. Keeping your mind and body healthy can be accomplished through this practice.
Kadha is a powerful remedy for various diseases originating from the renowned science of Ayurveda. It protects and strengthens from within, boosts your immunity, and helps in fighting seasonal infections. It’s now easy, convenient, and portable.
The practice of Grandma Kadha will create numerous benefits that will lead to wholesome health, such as:

An ayurvedic immunity booster that is natural
Treats sore throats
Cold and congestion symptoms are treated
Flu and infections are fought
Protects lung tissue and reduces inflammation
This is both viral and bacterial prevention
Enhances digestion
It relieves headaches and pain
Strengthens immunity and stamina
Has antioxidant properties and aids in cellular stress adaptation

Learn about ingredients that can help you deal with physically and mentally stressful situations. A Grandma Kadha combination provides the body with just the right boost to deal with stress. This kadha allows you to avoid falling ill by reducing your stress levels.

The payment process of buy now pay later companies

The buy now pay later, commonly known as BNPL, is a short-term financing scheme that allows the consumers to pay the amount in certain installments within a stipulated time period against the purchases made. The BNPL credit offer is provided by certain merchants and fintech companies to customers as a convenient payment mode as an alternative to the existing credit card system. Buy now and pay later companies allow the customer to make purchases online or from a store without having to pay from their own pockets. The payment against the purchase will instantly be made by the company providing the BNPL service and the customer’s login credentials. However, the paid amount against the purchase has to be repaid back to the buy now pay later companies by the company within a stipulated time period in split payments. Unlike credit card and personal loans, BNPL providers do not charge any interest under the scheme. The money can be paid as a lump sum or at no cost, equated to monthly installments (EMI). The delay in paying the split payments will attract a fine amount in the form of interest, which will affect the consumer’s credit score. The facility of the BNPL scheme for purchase is limited to online and stores and cannot be used for other purposes like payment of bills or booking a flight.

Modus Operandi of BNPL scheme

Buy now pay later companies to function similar to all credit facility providers like credit card division and personal loan providers, with the main differentiation in their terms and conditions. The process of utilization of the BNPL scheme starts with a purchase by the customer at a participating retailer. The customer then needs to choose the option of buy now pay later scheme of the company with which he has registered his account. The customer registration for utilization of the BNPL scheme needs to be done by visiting the company’s buy now pay later websites. The selection of the BNPL scheme at the point of payment is followed by payment of a token amount as a down payment against the overall purchase. The remaining balance due amount will be deducted by the buy now pay later companiesin a series of interest-free EMIs. The mode of payment of the EMI amount can be disbursed via bank transfer, cheque, credit card, debit card, or net banking of a particular bank. The re-payment of the instant loan amount can be done in a series of installments, but the payment is to be done within the stipulated time otherwise, which will create the addition of a fine amount in the form of interest.

Payment method in the BNPL scheme

BNPL, also known as buy now pay later scheme, is a type of installment loan that helps the customer buy any item instantly without paying from his pocket. The payment of purchase amount is to be paid by the customer into multiple equal payments, with the first due payment at the checkout point. The remaining purchase payments are billed to the customer’s credit card or debit card until the full due amount is paid back. Customers can use the BNPL scheme for short-term financing to make major purchases of highly-priced items available with offers for a particular period without paying higher interest rates. The customer can save a lot of money from investing in paying the full amount of the purchased item by paying the total cost in multiple installments. The plans of BNPL come with interest and late fees, while some plans depend on the service provider, who does not charge any interest amount.

During checkout after purchasing by the customer, an option is made available to break up the total amount of purchase in order to pay the amount in smaller installments, thereby avoiding paying the full amount at one go. Customers interested in opting for the BNPL scheme will find a short application on the checkout screen which requires customer details like name, address, date of birth, phone number, and social security number, along with the payment method as desired by the customer. Upon receipt of the details from the customer, the BNPL provider runs a soft credit check without affecting the customer’s credit score. After conducting the check, the BNPL service provider decides whether to accept or deny the customer’s application. Approval criteria for the short-term loan of the BNPL scheme varies from provider to provider.

The convenient use of BNPL encourages overspend during purchases. And if the re-payment is not made within the stipulated time, the customer may incur high late fees or be sent to collections, which will affect the credit score.

The easy and simpler payment dispersal of BNPL will attract more customers in the future and will undoubtedly be more popular among the young generation due to the limitless credit facility. Moreover, the usage trend of BNPL can be further enhanced by adding certain lucrative offers like rewards or cash back.

Interested In Saving Investment Plans? Here’s The Best Plan To Invest In 2022

The government, fin-techs, banks and other firms offer numerous saving investment schemes. They do this to persuade investors to invest and multiply their returns after some time. But as a well-informed investor, you need to thoroughly evaluate every single investment plan before making a final choice.

Given below are a few options for your consideration:

1. ELSS Mutual Fund Equity-linked saving scheme (ELSS)

If you choose this investment plan, you invest in an equity fund. The scheme is eligible for tax exemption under section 80C of the Income Tax Act, 1961. The benefit will come up to a maximum of INR150000. You may either invest a lump sum amount or through SIP (Systematic Investment plan) to enjoy this benefit.

2. National Savings Certificate (NSC)

This, too, is an investment plan that offers tax benefits. And you can open it with any of the post offices across the country. Since this is government-sponsored, it guarantees a regular return on your investment. The tax exemption for your investment here has a cap of INR150000. It features an interest rate of approximately 6.8%. And the government revises it every quarter. The scheme provides two types of certificates: five years and ten years.

3. Post Office Monthly Income Scheme

This is a best investment plan that offers the interest of your investment. Thus this ensures a steady flow of monthly revenue. The scheme is one of the safest investment options available in the country. MIS, however, is taxable. But You can start with nominal initial investment and increase as your revenue flow improves. Even minors above 10 years are eligible for the plan. You may also open multiple accounts. But for adults, the entire amount should not exceed INR450000. The same is INR300000 for minors.

This plan lets you nominate a nominee. And if you happen to transfer to another city, you can transfer your entire amount to your city of residence, and that too without spending even a single penny. Only Indian citizens are eligible for this scheme.

4. Senior Citizen Savings Scheme

This low-risk investment plan combines tax-benefit and a steady source of revenue upon retirement. You become eligible for this scheme when you reach the general retirement age. But you should start investing here within one month of receiving your retirement benefit. You can invest up to INR1500000 either as a single person or through a joint account. It, however, is available only for the Indian citizens who reside in the country. The investment reaches maturity within five years. You may also make withdrawals before that time.

5. ULIP (Unit-Linked Insurance Policy)

ULIP combines insurance and investment. The insurer invests half of your premium in bonds in creating growing wealth. The other half offers you the life cover you need. Earlier, the ULIPs were accused of levying hefty amounts as charges. At present, they have lowered all their charges. But this plan comes with a five-year lock-in period. Contact an insurance agent to know more about this plan.

6. Post office time deposit

Your post office too offers the facility to make fixed deposits. The feature that sets it above others is its high return on your investment. This is higher even than your bank, and that too without having to incur any additional charge. Post office time deposit too is one among the safest investment plans because the government of India supports this.

There exists no best investment plan. Every scheme comes with its own features and benefits. Know what you need and go for a plan that fulfills it.

Indulge In Your Shopping Desires with The Convenience of The Buy Now Pay Later App and Pay in Easy Instalments

Has it ever happened to you that there is an offer or discount sale at any of the stores, but you are not able to buy the product as there is a cash deficiency? With Buy Now Pay Later services, customers can easily fulfill their shopping desires and never miss out on good opportunities.

Buy Now Pay Later, also known as BNPL, is a service wherein a customer can buy anything they want by taking a small amount of loan from the vendor. This loan amount can be paid off in zero interest in a certain number of predefined installments.

Buy Now Pay Later service is easy to use, and the approvals for the same are completed much quicker as compared to traditional loans or credit cards. This is one of the reasons why BNPL service is quite a hit among the Baby Boomers and Gen Z, as they do not have a good credit score.

How BNPL service makes shopping easy

Pay by installments – Many times, we are short of cash, and using a credit card is no good as there is a huge interest rate that needs to be paid off with each installment. However, with Buy Now Pay Later service, customers can pay in installments without any interest rate. The number of installments is predecided by the customer and the vendor before starting off the service. It is also to be noted that the number of installments for the same amount can vary from vendor to vendor. If a customer misses the installment date, they are charged an interest fee pre-decided between the vendor and the customer at the time of signing up.
Ease of access and faster transactions – In today’s time, most people have smartphones equipped with the internet. Buy Now Pay Later service can be easily accessed through smartphones. This makes it easier as the transactions can be completed with just one tap and customers need to go around with cash or credit cards. The transaction speed is quite good, and it takes less than 3 seconds for a transaction to finish, thereby saving time for both customer and business.
Easy Approval – For getting a traditional loan or credit card, the customer needs a good credit score, and a long set of approvals are also needed. However, for Buy Now Pay Later service, all a customer needs are to have a bank account and should be 18 years or above. Buy Now Pay Later vendors do not ask for credit scores, and the KYC process is digital and can be completed in a few minutes. The approval time depends upon the documents the customer is providing and doesn’t take more than 1 day to finish all the procedures.
Better GUI of the application – The application for the BNPL service is made in such a way that both adults and young teens can use it without much hassle.
Better offers – Many businesses are seeing that their customer acquisition cost is getting lower with them introducing BNPL as a payment option. Businesses have also stated that there has been an increase of 20% to 30% in order value per customer who use the Buy Now Pay Later service. Due to this, many small and large scale businesses are now putting out more offers for customers who use this as a payment option. This, in turn, is also helping customers as they can afford many of the things quite easily and cheaply.
No issues with credit bureaus – All credit card companies share your data to credit bureaus which affects your credit score, however, the Buy Now Pay Later service does not do that. So even if you take a loan, this won’t affect your credit score. Some of the BNPL vendors do share the data. However, prior intimation is given to the customer before sharing their data, and customers can also opt-out of this service.

Buy Now Pay Later service has grown considerably from 2019 as there has been an increase of 30% in customers accepting this as one of the payment methods. Since no credit history is required, many Gen Z and Baby Boomers are expected to adopt this system quite early compared to credit or debit cards. Therefore, having Buy Now Pay Later service can help you at tough times and also help you to save money by doing the right buying at the right time.

Prepare A List Of Places To Visit In Delhi And Prioritize These Places

Delhi, the capital city of India is known for its historical monuments and architecture. Delhi features some UNESCO world heritage sites like the Red Fort, Jama Masjid, Humayun’s Tomb, and Qutub Minar. Delhi, the epicentre of activities exhibits the history of the Nation and it is for this reason that Delhi has become a hotspot for tourists.

Best time to visit Delhi

The best time to visit Delhi is during winter. The season begins in October and continues till March. The temperature during the winters is not too extreme, which makes it ideal for visiting the famous places in the capital city. You can also visit Delhi in March during the spring season.

How to Reach Delhi

You can reach Delhi by air, by road, or by rail. You can reach the biggest airport in India situated in Delhi, the Indira Gandhi International Airport located in the western part of Delhi. You can also avail the state bus service providers known as Delhi Transport Corporation (DTC), which operates the largest fleet of CNG buses. The New Delhi Railway Station and Old Delhi Railway Station connect Delhi to the country’s prominent cities.

Resorts in Delhi:

You can choose the best resorts in Delhi to avail the best services. The Delhi resort is child-friendly and provides facilities like breakfast services, laundry facilities, doctor on call, baggage storage on request, and backup generators. You will get luxurious rooms to spend your holidays in. Besides this, you will also get other amenities such as an air conditioning room, attached bathroom, cable/satellite TV, and H/C water.

Famous Places to visit in Delhi:

You can visit the following famous places in Deilhi without which your holiday will be incomplete.

• India Gate

India Gate is an important sites to visit in Delhi, also known as the All India War Memorial. It was built to honour the 82000 Indian Army soldiers who lost their lives during World War I and Third Anglo-Afghan War during 1914-1921. India Gate is situated at Rajpath that you can reach by catching a metro at Barakhamba Road Metro station in Delhi.

Qutub Minar

Qutub Minar is a historical monument and is a part of the Qutub Complex. It is also declared UNESCO World Heritage Site and is situated in north Delhi. You can reach there via a metro to the Qutub metro station. Qutub Minar is made of red sandstone and marble. It is 73 meters long, and its diameter is 14.3 meters at its base and 2.7 meters at its top.

• Humayun’s Tomb

Humayun’s Tomb in Delhi is situated in north Delhi. It is the famous Mughal emperor of India, Humayun’s tomb. Mirak Mirza Ghiyas, a Persian architect, provided the design of this tomb. The tomb is situated in Nizamuddin East in Delhi. It is also the first garden-tomb built on the Indian subcontinent.

• Lotus Temple

The Lotus Temple is one among the most beautiful sites of Delhi. It has an unmatched architecture that allures visitors all over the world. It was built in 1986. It has a unique shape resembling the lotus flower and has 27 free-standing marble-clad petals.

• Red Fort

The Red Fort, a historical icon, showcases amazing architecture. The emperors of the Mughal Dynasty made Red Fort their main residence for more than 200 years, and they lived there till 1857. It was the major political and cultural center of the Mughal dynasty. You can find many museums inside Red Fort. It is also known as the symbol of the Indian freedom movement.

Agra

Agra is situated on the banks of the Yamuna river and is located in the state of Uttar Pradesh. It is about 210 kilometres south of the national capital of India. Taj Mahal is the epitome of love and compassion and was built by Mughal emperor Shahjahan. He built this monument as a memorial of his loving wife, Mumtaz, in the 17^th century. Taj Mahal is a beautiful monument that showcases the amazing architecture and is made of white marble. During your stay in Delhi, never skip visiting Agra.

Things to do in New Delhi:

If you are thinking about visiting Delhi recently, you must be wondering which places to visit in Delhi or what things you should do to experience authentic Delhi. Well, you can consider doing the following things during your stay in Delhi to make your holiday a memorable one. Visit Lodhi Gardens, Jantar Mantar, Garden of five senses, Nehru Planetarium, Gurudwara Bangla Sahib, and Gandhi Smriti, watch the Light and Sound Show at Red Fort, visit Dilli Haat and Sarojini Nagar Market for some shopping, and taste the delicious food at Paranthe Wali Gali.

Delhi tourism has developed a lot over time since it is the capital city of India. You should visit Delhi to have an amazing experience of food, shopping, and heritage places.