#IAS Salary

[ankitjain22]

Check Out How Much Salary The IAS Officer Get How much salary an IAS officer gets? Yes! IAS officer salary is always a fascinating question of which answer…

[sarkaariresult]

IAS full form

IAS full form तथा अन्य महत्वपूर्ण नौकरियों की सम्पूर्ण जानकारियों को अब आप Hindi व English दोनों भाषाओ में यहाँ पर क्लिक करके पढ़ सकते है 

[rightnewshindi]

सेवानिवृत आईएएस अधिकारी तरुण श्रीधर ने ठुकराई 80 हजार की सैलरी, निशुल्क देंगे परामर्श

सेवानिवृत आईएएस अधिकारी तरुण श्रीधर ने ठुकराई 80 हजार की सैलरी, निशुल्क देंगे परामर्श #News #NewsUpdate #newsfeed #newsbreakapp

Himachal News: हिमाचल प्रदेश पर्यटन विकास निगम (एचपीटीडीसी) की बदहाल वित्तीय स्थिति में सुधार के लिए सेवानिवृत आईएएस अधिकारी तरुण श्रीधर निशुल्क परामर्श देंगे। उच्च न्यायालय के आदेशों पर प्रदेश सरकार की ओर से दिए गए प्रस्ताव को तरुण श्रीधर ने स्वीकार कर लिया है। सरकार ने इन्हें 80,000 रुपये मासिक मानदेय देने का प्रस्ताव दिया था, जिसे तरुण ने अस्वीकार कर दिया। उनका कहना है कि हिमाचल के लोगों ने…

[mohitsingh]

आईएएस बनने के लिए विषय चयन एक महत्वपूर्ण प्रक्रिया है जो अपनी रुचि, पसंद, और क्षेत्रविद्या के आधार पर आपको एक विषय चुनना चाहिए IAS कैसे बने"

IAS कैसे बने IAS कैसे बने Subject IAS ki Salary IAS ka syllubs

[sarkariadmidotcom]

how to become an IAS OFFICER-SALARY Rs250000 ,after graduation,IMP. BOOKS,ELIGIBILITY

how to become an ias officer after graduation in india To become an IAS (Indian Administrative Service) officer after graduation, you need to go through a rigorous selection process conducted by the Union Public Service Commission (UPSC) in India. Here are the steps you can follow: Understand the Eligibility Criteria: Make sure you meet the eligibility requirements set by the UPSC. The basic…

[richardsgraysons]

Heyyy…. May i request a wife reader x dick grayson… she is mad at him and is giving him a silent treatment, but he is so done with this that he starts annoying her by saying Mrs. Grayson after every sentense and closing tightly lids

anon this is so adorable. i am going feral. also i am so severely sorry for my IA-ness.

tags — just overall fluff. some light swearing

In hindsight, you should've known that this would entail not just dating, but also marrying a vigilante. How could someone blame you, anyways? You were sitting at home, about to go to bed, when Nightwing crashed into your apartment after being chucked across the city by some villain or the other.

He had a major concussion. You didn't know how to treat thrown vigilantes who definitely had a couple of broken ribs and a torn ACL.

What you did know was how to comfort a man who was clearly in pain, who was trying to stifle his screams, because let's face it, the vigilante life should clearly not be glamorized.

He felt bad for the wreckage in your apartment. Every week, there'd be thousands of dollars at your doorstep from him, ready to pay it off. He had to be rich. There was no way he was giving your entire salary in four months and a half.

Eventually, you figured out his secret identity. And instead of being angry about it, Dick Grayson felt awfully in love with a girl who was as intelligent as he hoped she'd be. Sure she wasn't a supermodel, but she made him laugh. She made him think. She wasn't easy to get along with at times, but she made him better.

Three years later, he put a ring on it.

"I told you," you snapped, "you just keep going in stupid situations, and normally, I wouldn't mind, but it's like you refuse my help or anyone else's."

Dick knew he had a really bad hero complex. He couldn't stand anyone else getting hurt because of his issues. "I can handle it," he responded. "And isn't it just annoying that you've been mad at me for the past two days? Can't you just give it a rest?"

"I'll give it a rest when you start accepting help from others," you responded, your brows furrowing. "God, you're so—you're so—ugh!"

Dick rolled his eyes and then smirked at you, that stupid boyish smirk that made your heart tingle and everything else disappear. "I'm so what, sweetheart? What am I, Mrs. Grayson?"

You glared at him. "Dick!" You huffed, both saying his name and the insult. "That's it. I want a cooling down period. Leave me and the kitchen alone!"

He grinned, looking back at you, a mischievous glance in his eye. "Oh, I will, Mrs. Grayson. I will."

* * *

Making dinner was one of your forms of therapy. Dick was starting to go out for patrol, much to your distaste, no doubt about to pick a fight with someone who would give him considerable damage.

You didn't want him to go, you wanted to keep him here and kiss him forever, but he would leave anyways. It's my moral duty to the people of Bludhaven to keep them safe, he had said to you one night. I could never bring it to myself to disappoint these people. To make them unsafe. I'm going to do whatever I can to make sure people are as safe as can be.

And though you really disliked it, you knew that was one of the core reasons why you were so undoubtedly in love with him.

You turned around to grab the jar of pickles, still steaming from the fight, only to find that it was incredibly hard to open.

"What. The. Hell?" You hissed. You had opened it up just a day ago, and put it easily back, making sure it wasn't that hard.

Your face turned red and you looked at it again before trying to open it up, straining and groaning, only for your muscles to give out. There was only one explanation for this.

Your stupid, lovable, husband.

And after a few minutes of recollecting your pride, you stomped over to your bedroom where he was dressing. He was in the midst of putting the top half of his suit on, and your mouth turned a little dry when you saw him shirtless.

You were pretty sure that when the first time you saw him shirtless, literal heart eyes came out of your eyes. You gawked for a couple of seconds, admiring the contour of his muscles, only for him to turn around and smirk at you.

He knew what you were doing. Dammit.

"Hi, Mrs. Grayson," he teased. "Enjoying the view?"

"Shut up," you snapped, and held out the jar. "Open this up right now and stop screwing with my jars."

He smirked at you. "What's the magic word?"

"The magic word is 'I will beat you up if you don't open the jar up right now'," you responded, glaring at him. "Now. Open."

He laughed, tossing his head back, his voice echoing off the room before taking the jar. You watched intently as his triceps flexed when he opened the jar up with ease and returned it back.

"Thank you," you said, your voice having an edge to it. You were about to turn around before he grabbed you by the arm.

"What, no good luck kiss?" Dick asked huskily in your ear. It sent shivers down your spine.

"Even if I give you one, you'll still end up badly injured."

"C'mon," he murmured, planting a light kiss on your neck, his hands dancing on your waist. He squeezed your sides slightly. "I always fight better when my girl kisses me."

You looked up at him and snorted. "In your dreams," you responded, but he took this moment to crash his lips against you. You felt dizzy and couldn't help but to wrap your arms around his neck, pulling him closer.

When the both of you stopped, he laughed, looking at you breathless, his blue eyes twinkling in the night sky.

"Knew you couldn't be mad at me for that long, Mrs. Grayson."

"Shut up," you grumbled, punching his shoulder lightly. "Go save Bludhaven, Boy Wonder."

He stepped out the window and then turned back at him, smirking. "You know I am, sweetheart. And when I come back, I'm gonna finish what I started."

[unabashegirl]

Meeting her || H.S

Author's note: The following piece is based on The Golden Boy one short from earlier in the year. This story will be how Harry and Y/N met. This took place before the World Cup . This is going to be a three-part story! This is part one. I hope you enjoy! The next part will have smut. Let me know what you think

PS: these IA pictures are getting out of hand.

masterlist

word count: 5.1K

As the autumn leaves danced in the crisp Manchester breeze, Y/N found herself lost in the beauty of this new city. Having recently moved here, her life felt like a blank canvas waiting to be painted with new experiences and adventures. One such adventure awaited her on a chilly evening, as her friend Emma invited her to dinner with her new boyfriend, Harry.

They first met in college during their second year. Y/N got invited to her first party but didn't know anyone. Everything turned around when Emma bumped into her in the kitchen. As the years went by, their friendship got stronger. But when Y/N switched her major to art, things took a turn. Emma didn't like the decision and started keeping her distance.

Y/N came back to Manchester after spending nearly a year in Italy. During her time there, she learned a new way to paint and work with ceramics. Even though her family was closer, she felt a bit out of place, like a foreigner, in her own native country.

One evening, as the sun dipped below the horizon, Y/N's phone buzzed with a message notification and a follow request on Instagram from Emma. Curiosity piqued; Y/N opened the app to find a warm greeting from her old friend. Emma had just learned that Y/N was back in town and was eager to reconnect and catch up on all the happenings since their last meeting. Ever since, they've been regularly meeting up for lunch dates, dinners, and various events.

Emma had been excitedly telling Y/N about Harry for weeks, and tonight was the night she was going to meet him. She kept going on about how he was a professional football player, having just joined Manchester United, and how his salary was sky-high, potentially making him extremely wealthy. Emma was evidently proud of this and made sure to let Y/N know, almost bragging about it.

They met at a cozy, dimly lit restaurant, where the aroma of delicious food filled the air. Emma was beaming with excitement, introducing Y/N to Harry as he greeted them with a warm smile. He was handsome, with kind eyes that seemed to reflect his genuine personality.

"Y/N, this is Harry," Emma said enthusiastically.

"Nice to meet you, Harry," Y/N replied with a friendly smile, extending her hand for a handshake.

"The pleasure's mine," he responded politely. "I've heard that you're an artist."

Y/N nodded shyly, "Yeah, mostly into paintings and ceramics."

“Anything that we might have seen?”

"Nothing. She's just a beginner, honey," Emma interrupted before Y/N could respond. "She just returned from Italy from picking up a new skill, hoping it might help her sell and turn a profit. You know how it is in the art world – always searching for that breakthrough.”

Y/N felt a momentary offense, a twinge of embarrassment sweeping over her. Not everything Emma had said was entirely accurate. While it was true that everyone aspired to a breakthrough, Y/N had already experienced one, prompting her journey to Italy. Having been invited there, she returned to Manchester with a renewed focus on opening her first gallery. Whispers of her name began circulating in the corners of the art world.

"Fortunately, Harry has already had his breakthrough," Emma added before taking a sip of her martini.

Emma's chatter mostly revolved around Harry's career, the glamorous lifestyle associated with professional football, and the immense potential for wealth. While Harry remained modest and humble about his achievements, Y/N could sense a hint of discomfort in his eyes.

Y/N was someone who valued depth in conversation, she yearned for more than just the superficial. Emma's constant emphasis on Harry's financial prospects was getting on her nerves, but she held her tongue, not wanting to jeopardize her friendship. It was rare for her to have friends, and she didn't want to ruin this budding friendship.

Throughout the evening, she observed Harry, realizing that he was a genuinely kind and down-to-earth person. He seemed uncomfortable with the focus on his financial success, preferring to discuss other aspects of life. Their conversation flowed naturally when they discussed their interests, hobbies, and favorite books.

As the night progressed, Y/N found herself connecting with Harry on a deeper level, appreciating his humility and kindness. Despite the initial annoyance caused by Emma's bragging, she discovered a potential friend in Harry—one who valued genuine connections over monetary gains.

"So, how was Italy? Is it everything that people say?" Harry inquired, his curiosity evident. Having not yet ventured outside the country, most of his experiences were rooted in local settings, particularly in the realm of his games. Eager to hear about Y/N's international adventure, he leaned in, genuinely interested in the tales she might share about the enchanting country he had yet to explore himself.

Y/N smiled, taking a sip of her drink before launching into her narrative. “It is everything and more. The art, the history, the landscapes – it's like a dream. I ended up indulging in the most amazing pasta dishes. And the art is in every corner.”

Harry's eyes widened with interest, "Really? What kind of art did you see?"

Y/N's enthusiasm bubbled as she shared, "Everything from Renaissance masterpieces to contemporary street art”.

As the evening came to a close, she felt a sense of contentment. She had made a new friend in Harry, someone who shared her appreciation for genuine conversations and meaningful connections. Little did she know, this chance encounter would mark the beginning of a beautiful friendship that would enrich her life in more ways than she could have imagined.

Throughout the week, Emma continued to invite her to various events, eager to integrate her into her social circle. One evening, she invited Y/N to attend a football game where Harry would be playing. Y/N was genuinely excited about the prospect of watching a live game and supporting Harry, but Emma's comment about dressing up and putting on makeup stung.

"You should definitely come to the game! It's going to be so much fun. Dress up a bit and maybe put on some makeup—you never know, you might catch someone of Harry's caliber," she said with a wink, attempting to make it sound like a lighthearted joke.

Y/N forced a smile, masking the hurt she felt. It was clear Emma was implying that Harry was out of her league or that she needed to "improve" her appearance to even be in the same league as her or him. She wasn't confrontational by nature, so she simply replied, "Thanks for the invite, Emma. I'll see if I can make it."

As the day of the game approached, Y/N debated whether to attend. The comment had left a lingering discomfort, making her question if she should subject herself to such superficial judgments. But her curiosity to watch the game and support Harry won in the end.

On the day of the game, she wore a casual yet presentable outfit, wanting to feel comfortable and confident in her own skin. She met Emma at the stadium, where she greeted her with excitement.

“I'm so glad you made it! This is going to be amazing," she exclaimed.

“Yeah, I'm looking forward to it," Y/N replied, attempting to infuse her response with enthusiasm, though beneath the surface, nerves churned. Anticipation mingled with apprehension as she contemplated the upcoming interaction. Y/N couldn't shake the memory of previous encounters, where backhanded comments and thinly veiled compliments had become a common thread.

As they took their seats, the atmosphere in the stadium was electric. The crowd's energy was infectious, and she found herself caught up in the excitement of the game. Watching Harry play was impressive—his skill and passion for the sport were evident.

Amidst the cheers and celebrations, Emma leaned over and said, "Isn't he amazing on the field? Imagine being with someone like him."

Her words struck a chord, reminding Y/N of the shallow perspective she seemed to have about relationships. She chose to focus on the game and cheer for Harry, pushing aside the hurt she felt. Deep down, she knew she deserved genuine connections and friendships that weren't based on appearance or someone's profession.

As the game ended and they made their way out of the stadium, she appreciated the experience and the opportunity to support Harry. However, she also realized the importance of surrounding herself with people who valued her for who she was, rather than making her feel inadequate or lesser than because of societal standards or external perceptions.

She continued to focus on her art, pouring her heart and soul into the canvas as she prepared for her upcoming art show. Emma's persistent invitations and comments had left a mark, and she found solace in the therapeutic strokes of her paintbrush. To protect her mental health and maintain her sense of self-worth, she began gently declining Emma's invitations and started distancing herself from her.

One afternoon, while heading to the art supply store, she unexpectedly crossed paths with none other than Harry. Her hair was up in a messy bun, glasses perched on her nose, and she was wearing baggy clothes slightly adorned with paint stains. She greeted him with a warm smile, surprised yet pleased to see him.

"Harry! Fancy running into you here," she said, a genuine smile lighting up her face.

"Hey! How have you been?" he responded, his friendly demeanor putting her at ease. Sporting athletic attire, he appeared in the midst of post-run casualness, on his way back to his apartment.

"I've been busy with work, preparing for an art show. It's been quite hectic," she explained.

"That sounds amazing! An art show? I'd love to see your work," Harry exclaimed, genuinely interested.

"Sure! You and Emma are more than welcome to come. It's on Saturday evening," she extended the invitation, acknowledging his enthusiasm. Including Emma felt like the courteous thing to do, although she harbored no intention of having her presence at the event.

"Where are you off to?" Harry inquired, his eyes drawn to her appearance and the sizable tote bag slung over her shoulder. He found the sight rather adorable. Harry admired her confidence and the unique way she expressed herself. While he hadn't seen her art yet, he was convinced that if it reflected even a fraction of her personality, it would undoubtedly be incredible.

Curiosity sparked in his eyes as he awaited her response, eager to understand the purpose behind the tote bag and the destination that had captured her attention on this particular day. The genuine interest he took in her pursuits was evident, a testament to the budding connection between them.

"I'm headed to the supply store. Ran out of a few things in the middle of a painting session," she explained, a hint of frustration in her voice. Having to cut her creative session short was always a predicament, leaving her feeling somewhat scattered. "That's why I look like such a mess," Y/N felt compelled to clarify, a touch of self-consciousness in her admission.

"Mind if I tag along?" Harry inquired, his reluctance to head to his apartment evident. The idea of being alone didn't appeal to him, and his living space still carried the lingering feeling of belonging to someone else.

"No problem. I just hope it won't be too boring for you," she said, a sudden nervousness creeping in. It felt akin to introducing a boyfriend to her parents, as he was about to witness a small yet intimate aspect of her life—her painting ritual. Despite the nerves, a giddy excitement bubbled within her. Rarely had someone shown enough interest in her work to accompany her in such moments.

As they strolled, they exchanged stories about their lives—his experiences with football, her passion for art, and the challenges and joys they both faced. Harry shared the excitement and pressure of being a professional athlete, and she talked about the joys and struggles of being an artist.

And Harry asked with genuine concern, "I noticed you've been a bit distant lately. Is everything okay?"

She hesitated for a moment, debating whether to share her feelings. But seeing his kind and understanding demeanor, she decided to be honest. "To be honest, Emma's comments have been bothering me. It felt like she was implying that I'm not good enough” Y/N shook her head, attempting to banish the same thoughts that had haunted her for years. "Or maybe I just misinterpreted her words," she mused, a flicker of uncertainty lingering in her mind.

Harry's eyes softened, understanding the weight of her words. "I'm so sorry you felt that way. Emma can be a bit... oblivious at times.”

His words warmed her heart, reassuring her that true friendships were built on understanding and mutual respect.

"We're here," Y/N announced, swinging open the door of a small but charming store. "Hi, George!" she greeted, waving enthusiastically to the elderly man stationed behind the counter at the back.

"Ms. Y/L/N! Good to see you! How's that collection coming along?" George, a familiar face and one of her most significant suppliers, recognized her immediately. He had even gone the extra mile to order specific brushes and paints for her, a testament to his belief in her talent.

"Oh, it's going!" Y/N chuckled, making her way to the paint aisle. "This is my friend Harry, George." Harry beamed, waving like an excited child being introduced to a stranger.

"Mr. Styles! Number nine in Manchester, right?" George exclaimed, recognizing him. "Great season you're having! It's good to have you."

"Thank you," Harry responded shyly, still adjusting to being recognized and receiving compliments from strangers.

"You're not going to swap me for Harry, are you, George?" Y/N teased as she bent down to reach for spatulas and sponges on the bottom shelf.

"Never. Still my favorite," George assured, prompting chuckles from both Harry and Y/N as they continued their joint venture, collecting items from Y/N's list and heading towards the checkout.

As Y/N gathered her art supplies, Harry couldn't help but admire the quaint charm of the store. It was filled with the rich scent of pigments and the subtle aroma of wooden easels. The artistic ambiance enveloped them as George continued to chat with Harry, discussing his recent successes in Manchester.

As they bid farewell to George, the doorbell chimed, marking the end of their visit. Stepping back into the bustling street, Y/N couldn't help but feel grateful for the support she received, not only from her favorite art supplier but also from Harry, who had ventured into her world with genuine interest and a bright smile.

"That was wonderful. Thank you for taking me," Harry commented warmly, carrying Y/N's tote bag through the lively streets. The cityscape buzzed around them, a backdrop to the shared experience they had just enjoyed.

Y/N smiled in response, her eyes reflecting gratitude. "Thank you for coming. It means a lot," she admitted, a subtle vulnerability in her tone. "No one has ever accompanied me to these sorts of things."

Harry's smile broadened, understanding the significance of those words. The weight of being the first to share in a part of Y/N's world tugged at his heartstrings. As they walked side by side, the city lights flickering overhead, an unspoken connection blossomed between them.

They found themselves enveloped in a comfortable silence, the echoes of their shared laughter still resonating in the air. The streets, alive with the rhythm of urban life, seemed to dance to an unspoken melody that mirrored the newfound understanding between Harry and Y/N.

Harry accompanied her all the way to her apartment, insisting on ensuring her safe arrival.

"I'll see you at the art show," Y/N said, her voice carrying a mixture of anticipation and gratitude. She gave him a quick but warm hug before disappearing into the foyer of the building. The promise of their reunion at the upcoming art show lingered in the air, a shared moment they both looked forward to. As Y/N disappeared from view, Harry couldn't shake the feeling of contentment. The day had been filled with meaningful conversations, different from his usual exchanges with his girlfriend.

On the night of the art show, the venue was buzzing with people who had gathered to appreciate and celebrate art. The atmosphere was vibrant, filled with an array of colors, emotions, and creativity. She was both excited and nervous, eager to share her work with others.

Not only were her paintings displayed on the wall, but her ceramics pieces adorned the space as well.

As the evening progressed, Y/N noticed Harry and Emma arriving, accompanied by a couple of Harry's friends. She greeted them warmly, hoping for a pleasant evening. However, it didn't take long for the mood to sour.

Emma's disapproving looks and hostile demeanor became evident as she roamed around the exhibition. Her discomfort seemed to intensify with each piece she viewed, as if she couldn't bear to see Y/N in the spotlight.

"What am I even looking at?" Emma whispered to Harry as they stood amidst a sizable crowd gathered around one of Y/N's largest paintings. "And why is everyone gawking? It's not a big deal; everyone can do it." Harry stayed silent; his attention fully absorbed by the intricate details of the artwork.

"Stop it," Harry gently pulled her hand, attempting to hush her down. "You're being rude." However, he couldn't deny that Y/N's creation was something truly unique. The canvas held an amalgamation of colors and emotions that seemed to dance and intertwine, capturing the essence of her artistic vision.

As the crowd marveled at the masterpiece, Harry couldn't help but feel a sense of pride for Y/N. Her work, a reflection of her passion and creativity, had garnered the attention and admiration of those present. He admired the way she fearlessly poured herself into her art, creating something that not only spoke to him but resonated with a broader audience.

Despite Emma's dismissive comments, Harry recognized the significance of Y/N's talent. He hoped that, with time, Emma might come to appreciate the artistry that captured the attention and imagination of so many.

“Let’s go. Why are we even here?” Emma turned to Harry and his friends, “She is not even that close of a friend. She is just a struggling artist”.

Unbeknownst to Emma, Y/N stood silently behind her, absorbing every single word that had slipped from Emma's lips. The gallery buzzed with the murmur of impressed onlookers, blissfully unaware that the subject of their discussion was right there, an invisible presence in the sea of admirers.

Y/N's heart sank at Emma's dismissive comments, her vulnerability exposed to the unintended audience. The weight of those words settled on her shoulders, adding a layer of discomfort to the pride she felt for her creations. Yet, she chose to linger in the shadows, absorbing the unfiltered opinions that echoed in the gallery space.

“Emma, that’s enough” Harry interjected, his voice carrying a mix of anger and concern.

As Emma turned around, her gaze met Y/N's, and the air grew thick with an unspoken tension. Y/N, having overheard every word of Emma's critique, stood there, a silent witness to the candid commentary. The sudden realization that Y/N had been present all along cast a veil of nervousness over Emma.

Caught off guard, Emma's eyes widened, and her cheeks flushed with a mixture of surprise and embarrassment. The vibrant atmosphere of the gallery seemed to dim momentarily; the weight of the words exchanged lingering in the space between them.

Ignoring him, Emma cleared her throat, her voice sharp and accusatory, "You've been avoiding me, Y/N. I don't appreciate being treated this way, especially after everything I've done for you." Caught in the discomfort of the moment, Emma felt the need to assign blame. Admitting fault was inconceivable, especially in front of Harry and his friends; maintaining a positive image was paramount. Emma couldn't afford to be perceived as a negative force, and so, the instinct to shift responsibility to another party took hold. The desire to preserve her reputation and uphold a facade of positivity outweighed the need for genuine self-reflection.

Y/N tried to maintain her composure, choosing her words carefully. "I've been busy preparing for this show and focusing on my art. I never meant to make you feel ignored."

Emma's face twisted into a bitter expression, and she snapped, "You think you're so special with your art, don't you? No one cares, Y/N. I stopped talking to you in college because of these same reasons. You need to realize that you made a mistake by changing majors. Art is not going to feed you.”

The threat stung, hitting close to home. Y/N took a deep breath, trying to stay calm and collected despite the rising humiliation. "Let's discuss this later, privately."

She was relentless, determined to exert her dominance. "No, we'll discuss it now. Harry, tell her she's out of line."

Harry, torn between loyalty and what was right, looked conflicted. "Emma, maybe now's not the best time—"

Emma cut him off, her voice venomous, "Oh, so now you're siding with her? Fine, have it your way."

She stormed off, leaving Harry visibly troubled and Y/N mortified in front of his friends and other attendees. She wished the ground would swallow her whole, but she reminded herself that she had done nothing wrong.

Harry approached her, his eyes filled with apology. "I'm so sorry. She was completely out of line."

She forced a small smile, trying to brush it off. "It's alright, Harry. Let's not let this ruin the evening."

Deep down, she knew she deserved better than Emma's toxic behavior. As the night unfolded, she chose to focus on the genuine appreciation she received for her art, determined to rise above the negativity and continue pursuing her passion and genuine friendships.

After the tumultuous confrontation with Emma, the art show continued, and she tried her best to immerse herself in the joy of sharing her work with appreciative art lovers. The support and admiration she received from the attendees helped ease the sting of Emma's outburst, allowing her to refocus on the success of the evening.

As the night came to a close, she couldn't help but feel a sense of accomplishment. Several of her pieces had been sold, and the positive feedback had boosted her confidence as an artist. She was both proud and grateful for the experience.

As she started to wrap things up and close the gallery, she noticed Harry waiting outside. His presence was a comforting sight after the rollercoaster of emotions she had endured throughout the evening.

"Hey," she greeted, trying to offer a genuine smile despite the lingering discomfort.

"Hey, congratulations on a successful show," Harry said warmly, genuinely pleased for her.

"Thank you. It means a lot," she replied, feeling a sense of relief knowing that the worst was behind her.

"Look, Y/N, I'm really sorry about Emma's behavior. That was completely uncalled for," Harry apologized again, sincerity in his eyes.

She appreciated his concern and understanding. "Thank you, Harry. I know you tried to intervene, and I appreciate that."

Harry nodded, and then a soft chuckle escaped his lips. "I don't know about you, but I'm starving. How about we grab a bite to eat?"

A pang of hunger reminded her that she had skipped dinner in the whirlwind of the art show. "That sounds perfect. Let's go."

They found a nearby café and sat down, the atmosphere much more relaxed and pleasant than earlier in the evening.

Harry's presence was a balm to her earlier distress, and she was grateful for his kindness and understanding. Despite the events of the night, she felt a genuine connection with him, appreciating the way he had handled the situation and his willingness to stand by her.

As the night came to a close, and she bid Harry farewell, a mix of emotions swirled within her. There was a flutter in her heart, an undeniable attraction that had grown stronger throughout the evening. She had started to like Harry more than just a friend, and it made her nervous.

Y/N knew the reality of the situation. Harry was Emma's boyfriend, and pursuing anything beyond friendship with him would be a betrayal of their relationship. Loyalty and respect were paramount, and she wouldn't compromise those values for her own desires. She couldn't deny the chemistry and connection she felt, but she also understood the importance of boundaries and staying true to her principles. It was a delicate balance between her burgeoning feelings and her commitment to doing what was right.

In the following days, she wrestled with her emotions, trying to put distance between her heart and the potential complications that could arise. She focused on her art, pouring her feelings into her creations, finding solace in the brushstrokes that paint her emotions on the canvas.

That was until one day when she found herself at home, and the intercom unexpectedly rang.

"Ms. Y/L/N, there's a Harry Styles wanting to see you," the voice on the other end announced. Shock rippled through her; it had been a few weeks since she had last seen him. Y/N had purposely kept her distance, fully aware of the feelings that had developed within her.

"Yeah, let him in," she replied, a mix of anticipation and nervousness lingering in her voice. As she unlocked the door, she settled back into her painting, attempting to distract herself from the whirlwind of emotions.

The front door creaked open, and soon, a soft knock echoed through the space. "Y/N?" Harry's rough voice called out, filling the room with a mixture of familiarity and uncertainty.

"In here," Harry heard from the foyer, prompting him to close the front door behind him. He followed the sound of her voice, traversing through the space until he finally located her. There she was, sitting on the wooden floor with legs crossed, her hair fashioned into a bun, and wearing glasses that complemented. her.

Harry cradled a warm brown paper bag, emanating the aromatic allure of Chinese cuisine. He knew of this particular restaurant that served delectable dishes, a tantalizing choice for his unhealthy food cravings. Eager to share this delightful find with Y/N, he approached her with a welcoming smile, lifting the bag in presentation.

"I brought some food," he announced, the tantalizing aroma wafting from the bag.

Curiosity sparked in Y/N's eyes as she inquired, "What is it?"

"Chinese," Harry nervously replied, hoping that his culinary choice would meet her approval.

"Good choice," Y/N commended, setting aside her brush and rising from the floor. It was at that moment that Harry couldn't help but notice her attire – a pair of overalls, worn with an easy casualness. However, the revelation didn't stop there; the absence of anything beneath the overalls exposed the side of her breast, a subtle detail that heightened the air of intimacy in the room. The vulnerability of the moment lingered, as did the tempting aroma of the Chinese delicacies. “Are you alright?”

“Y-yeah” he cleared his voice, “just hungry” Harry didn’t know if he meant for the meal or fo the sudden urge that he had to feel her breast. He recognized that Y/N had distanced herself, a mirror to the sentiments he harbored toward her. The desire to be close to her lingered within Harry, fueled by a genuine fondness. He admired her, not just for her presence but for the profound connection that blossomed in their conversations.

Harry appreciated the way she listened, her attention genuine and unwavering. In those moments, he felt more than heard; he felt understood on a level that transcended the superficial. Y/N held the key to unraveling his thoughts and emotions, creating a unique bond built on mutual understanding and genuine connection.

"How have you been?" Y/N inquired, taking the lead as she guided Harry towards the living room. The air was charged with a mix of anticipation and a hint of vulnerability. "I saw your match last week. You played really well."

Harry's response held a touch of concern, reflecting the echoes of unanswered messages that lingered between them. "I haven't heard from you since your art show. I thought you were mad at me," he confessed, revealing the worry that had gnawed at him.

"I just thought it would be best to gain some distance between us," Y/N explained, her movements deliberate as she set plates on the coffee table. The unspoken complexities of their connection hung in the air, entwined with a hint of secrecy. "I-I am sure that Emma wouldn't like to know that we are spending this much time together."

As soon as the word 'distance' left her lips, a palpable tension surged through Harry. Panic set in, triggering a rapid response. He hastily placed the bag down, reaching out for Y/N. In a swift motion, he grasped her wrist, pulling her towards him with a sense of urgency.

"Harry," Y/N cautioned, her hand pressed against his chest, attempting to maintain a boundary. Yet, defiance glinted in his eyes as he refused to relent. He freed her wrist, wrapping an arm around her waist while the other found its place behind her head, gently pushing her closer.

"No," he declared, the word hanging in the charged atmosphere. His lips met hers with a hunger that spoke volumes, a fusion of longing and passion. Initially resisting, Y/N succumbed to the intensity of the moment, reciprocating the kiss with an equal fervor. The living room became a stage for a silent exchange, where unspoken emotions and lingering desires found expression in the fervent embrace of their lips.

“Yeah, that’s exactly how I’d imagined it”

QUESTIONS OF CHAPTER (answer below) Do you condone Harry and Y/N’s actions? Do think Emma deserves get cheated on?

[ruang-bising]

Jika tidak ada lagi orang yang mau menjadi guru,

Selamat hari guru,

dari kami yang 24 jam digugu dan ditiru,

katanya.

.

"Mau jadi apa kamu saat besar nanti? "Celoteh guru muda dengan penuh semangat serta mata yang berbinar-binar.

“Pengusaha..”

“Programer..”

“Masinis...”

“Dokter...” jawaban beragam dari seisi kelas.

Tetiba guru muda tersebut terdiam, dia adalah lulusan terbaik pada almamater sekolahnya dulu, dan hari ini berakhir menjadi pembina santri, guru, atau disebut sebagai musyrif di salah satu pesantren ternama di kota ini. ada sesuatu yang mengambil alih pikirannya. Kenapa diantara banyaknya jawaban mereka, tak ada satupun yang menginginkan menjadi guru? Pikirnya. Hinakah profesi ini? hinakah bekerja, membersamai santri 24 jam, membuat raport, mengajar dengan over jobdesk, mengingatkan santri nilai-nilai budi pekerti, mendidiknya agar lebih dekat kepada tuhannya, menerima setoran hafalan setiap hari?

hinakah menjadi seseorang yang membangunkan santri di sepertiga malam, Membersamai puasa, mengantar ke dokter tatkala sakit, membelikan bubur, mengajar dari sebelum matahari muncul bahkan sampai matahari terpendam di pelukan nabastala, bahkan dengan gaji yang mungkin jauh dari nilai “UMR” perbulan, hinakah?

Selamat hari guru,

kata presiden.

Sementara itu,

di pelosok sana, seorang guru tua, sedang kehabisan bumbu dapur,

“maaf ya de, mas belum bisa bawa uang banyak hari ini” ucap guru tua tersebut, yang bahkan gajinya cair 3 bulan sekali, jika dihitung satu gajinya pun tak mampu membeli 5 bungkus sampoerna mild.

“gapapa mas, kita masih bisa rebus singkong malam ini, yang penting kan perut terisi,” ucap sang istri menenangkan dengan welas asih.

Selamat hari guru,

kata remaja tanggung di lini masanya, dengan foto berbagai macam buket bunganya.

sementara di pelosok sana, guru tua pun sedang mendorong roda dua mogoknya, karena setiap hari lewati jalan curam tanpa aspal, konon motor butut tersebut pemberian dari walimurid atas keikhlasan jasanya 15 tahun mengabdi, alias 15 tahun menaiki sepeda tua susuri lembah demi mendidik anak negeri, terlihat di mata guru tua tersebut secuil harapan, semoga satu diantara muridnya, ada yang berani menampakkan tapak kakinya di depan bangsat bangsat parlemen.

Selamat hari guru,

“guru adalah pahlawan tanpa tanda jasa, takkan kami lupakan jasa kalian” caption beberapa petinggi negara ini, dan ini yang paling lucu.

Di bagian mana mereka mengenang jasa guru, sementara mereka lebih memilih mengalokasikan dana negeri ini untuk pencitraan berkedok pembangunan? Mereka lebih memilih mensubsidi orang dengan pantopel, dasi, jas, agar menaiki MRT dan LRT setiap hari yang bahkan pedagang asongan, kuli bangunan tak pernah sekalipun berpikir untuk menaikinya. Sementara di pelosok sana sekolah-sekolah dengan atap yang hampir roboh sedang membutuhkan donasi ketimbang subsidi, “aksimu lebih berarti, ketimbang harapanmu pada petinggi negeri, riskan” celoteh guru tua.

Selamat hari guru,

ujar paslon presiden kali ini dengan segenap janji tai kucingnya,

Lupa mereka, bahwa yang pertama kali harus dibenahi ialah pendidikan.

Imajinasi guru muda tersebut buyar, setelah salah seorang santri menyeletuk,

“ustadz, cita-citanya jadi apa?”

“jadi guru.” Jawabnya. Walau batin guru muda tersebut berkata bahwa tak sepatutnya ia berhenti ditempat ini hanya karena salary-nya lebih terjamin, dibandingkan di lembaga lain. Menjadi tua dan bodoh adalah hal yang paling ditakutkan dia. Ia ingin mencoba peruntungan di tempat lain, ada banyak impian yang mesti dibiayai.

Sementara itu kalian sedang membaca tulisan ini, dan berpikir bahwa si guru muda bukanlah seorang guru, karena bernada tak ikhlas, mengungkit-ngungkit. BEGITULAH nasib guru di negeri ini, sekali mereka menuntut sesuatu, maka mereka akan dicap seolah penjahat negeri ini, diberi label “dasar tidak ikhlas” sedih sekali.

Selamat hari guru,

Kata mereka,

katamu,

Matamu.

[traditionaldream]

Tumblr cut me off but I'm the person who asked you all those questions. I am a girl like you- i want to be in love and have kids. I want a nice house and some land. I wear pretty dresses. I pray to the same god that you do. I am exactly like you (except better because I understand nuance and the fact that women contain multitudes). But this dream wont happen for me. Do you know why? Its because my country is poor and we cannot afford it. A large part of why my country is poor is because your countrymen came here and stole our money. Your "brave" and "honorable" portuguese men came here and raped women like my great-great grandmother, and then forcibly married them so that they could spread Christianity. This is the legacy of your culture and religion.

So many of my female friends want babies too. Yet we cannot have them. Do you want to know why? We struggle with infertility- brought on by poor nutrition. Countries like yours impoverished mine to such an extent that we are still forced to send you all our good produce. The organic dream is unattainable for me. We are diabetic and have heart disease because your country and your christian european neighbours starved us for OVER 200 YEARS, and our bodies couldn't deal with the stress and starvation.

On top of all this, you continue to dump your waste on us. Remember each time you reblog a picture of a pretty beach in portugal that your country was built off of the backs of my people.

But despite all this I know you won't even begin to think critically. You will continue to support ideas and people who have made situations like mine possible. You might even marry a man like that. How else can you future husband provide for a family on one salary in this day and age? He will probably need to have a highly paying job in government, or the banks or some extractive industry that exploits men, women and children in another country you couldn't be damned about. After everything feminism and progressives gave you, you will just keep complainly and living life uncritically.

The saddest thing is that you seem like a fairly intelligent person. But instead of using your smarts to right wrongs like capitalism, imperialism, racism sexism and consumerism you will gladly shut your eyes and choose to be ignorant. And you have the nerve to pretend like being a christian tradwife is something "rebellious" and "against the norm".

I'm waiting to hear your response.

And I am waiting to know what country your are from...

Blaming something that happened centuries ago instead of blaming current governors ia pointless. Do you think it is also rainbows and sunshine in my country? For decades people starved and left their beloved country to work. And you don't know the extent of my life, only the tip of the iceberg. We are being flooded with illegal immigrants, our salaries are low and our governors are trash.

Women here has also fought for decades. And I won't stop loving my country and the men and women that built it. History has it's flaws and will always have, but surely your country also took advantage of another's country smaller then them.

I pray that you can live your dream, as well as your female friends.

[edvinception]

Some observations about gasmmaman so far:

_ Tove is a terrible mother, it seems that her current husband cares more about Magda than she does.

_ Of the siblings, Gustav's plot is the one that has interested me the least so far, I don't know how to explain it, he seems to be the least affected by everything that happened and his family drama is more banal (but Joel is perfect as always).

_ I have a feeling that Linus is going to get Zoey in trouble.

_ I don't understand why Nina is having financial difficulties, her and Barry's business seems to be going well.

Tove seems off. Her gaslighting Gustav about Magda was super weird.

i think Gustav is doing terrible actually but he's very much running away from his feelings and ia neglecting himself Magda. But I find Nina and Linus alot more interesting. Agree with you about Joel!

I think right now it's Zoey getting him into trouble but I think she could definitely be getting in danger because of him.

Good point. But living in a house alone is expensive. And even if the business is going well her salary might not be that high.

[ankitjain22]

Check Out How Much Salary The IAS Officer Get How much salary an IAS officer gets? Yes! IAS officer salary is always a fascinating question of which answer…

[nobossinc]

CASH FLOW: The Bloodline of Business

See Into Your Financial Future

In the dynamic world of entrepreneurship, success hinges not only on brilliant ideas and strategic planning but also on mastering the art of cash flow management. Cash flow, often referred to as the lifeblood of a business, is the movement of money in and out of your business, and understanding its importance is paramount for new entrepreneurs.

The Importance of Cash Flow

Cash flow is the heartbeat of your business, fueling its daily operations, growth initiatives, and long-term sustainability. Here's why it's crucial for new entrepreneurs:

Survival and Stability: Positive cash flow ensures your business can cover its day-to-day expenses, such as rent, utilities, payroll, and inventory. Without sufficient cash flow, even the most promising ventures can falter and fail.

Opportunity and Growth: Healthy cash flow provides the flexibility to seize opportunities for expansion, innovation, and investment. Whether it's launching new products, entering new markets, or scaling operations, a robust cash flow empowers entrepreneurs to pursue growth with confidence.

Identify potential cash flow problems early on.

Make better business decisions.

Attract investors and lenders.

Debt Management: Effective cash flow management helps entrepreneurs avoid excessive reliance on debt to finance their operations. By maintaining positive cash flow, businesses can reduce interest expenses, improve creditworthiness, and mitigate financial risk.

Risk Mitigation: Anticipating and managing cash flow fluctuations allows entrepreneurs to identify and address potential risks before they escalate into crises. By maintaining a buffer of cash reserves, businesses can weather unexpected challenges and maintain financial stability.

 The History and Complexity of Cash Flow Statements

In 1987, the Financial Accounting Standards Board mandated that firms provide cash flow statements. Following this, in 1992, the International Accounting Standards Board (IASB) issued International Accounting Standard 7 (IAS 7), titled Cash Flow Statement, which took effect in 1994, requiring firms to provide cash flow statements.

Two primary methods exist for calculating cash flow: the direct method and the indirect method. The Direct Cash Flow Method involves totaling all cash payments and receipts, including payments to suppliers, receipts from customers, and salary disbursements. This method is simpler, particularly suited for very small businesses operating on a cash basis accounting method.

However, most companies utilize the accrual basis accounting method, where revenue is recognized upon earning rather than upon receipt. This distinction leads to a disparity between net income and actual cash flow. Consequently, certain items, such as accounts receivable (AR), inventory, taxes payable, salaries, and prepaid insurance, necessitate reevaluation when calculating cash flow from operations. For many new entrepreneurs, navigating these intricacies can be challenging.

New entrepreneurs may find that traditional Cash Flow Statements are not immediately beneficial to their business endeavors, and are better left for their accounting software to generate and for an Accountant to review. Instead, their efforts are best directed towards the daily activities of the business: documenting transactions, monitoring cash flow, and making informed decisions in real-time. By prioritizing day-to-day cash flow management, entrepreneurs can sustain financial stability and swiftly respond to changes in their business environment. It's more valuable for them to gain a thorough understanding of the inflows and outflows of cash within their business operations.

What affects cash flow the most?

Typically, sales and revenue affect cash flow the most, though this can vary from business to business. An increase in sales generally contributes positively to cash flow, while a decline can hinder cash flow. 

Additionally, expense management can make a huge difference in a company’s cash flow as it directly impacts the amount of cash retained. The timing of payments also plays a crucial role — even profitable businesses can face cash flow issues if it doesn’t manage the timing of receiving payments and settling financial obligations like debts and payroll.

What causes a lack of cash flow?

Declines in sales or revenue, high expenses, and slow-paying customers can cause a lack of cash flow. Ineffective financial management or a lack of planning can also contribute to cash flow shortages, which is why adopting technology to help you track expenses is crucial for business.

A Groundbreaking Tool for Tracking Cash Flow:

Because cash flow management is imperative for business success, NOBOSS has a more practical and efficient approach to handling finances on a day-to-day basis: the Cash Requirements report.

This innovative tool provides entrepreneurs with real-time insights into their cash needs, allowing them to anticipate, plan, and manage financial resources with precision and agility.

By leveraging the Cash Requirements report, entrepreneurs can stay ahead of cash flow challenges, make informed decisions, and optimize their business operations for sustained growth and profitability.

Managing Cash Flow with the Cash Requirement Report

With Cash Requirements report, managing cash flow becomes not just a necessity, but a strategic advantage in navigating the complexities of entrepreneurship.

For new entrepreneurs, mastering cash flow management requires a proactive approach and a solid understanding of key principles.

Here's how the Cash Requirements Report identify and manage cash flow effectively:

Track Cash Flow: Update and diligently tracking your cash inflows and outflows on a regular basis.

Forecast Cash Flow: The beauty of this report is that you can see into your financial future!  Develop cash flow projections to anticipate future income and expenses based on historical data, market trends, and business objectives. This forward-looking approach allows you to plan ahead and make informed decisions.

Manage Accounts Receivable: Accelerate your cash flow by invoicing promptly and following up on overdue payments. Implement clear payment terms, offer incentives for early payment, and consider using online payment platforms to streamline the billing process.

Control Expenses: Evaluate your business expenses regularly and identify areas where costs can be reduced or optimized. Negotiate favorable terms with suppliers, scrutinize discretionary spending, and prioritize investments that yield the highest return on investment.

Build Cash Reserves: Establish a buffer of cash reserves to cushion against unexpected expenses, seasonal fluctuations, and economic downturns. Aim to maintain a healthy cash balance that covers at least three to six months' worth of operating expenses.

Monitor and Adjust: Continuously monitor your cash flow performance and adjust your strategies as needed. Stay proactive in addressing cash flow challenges, seizing opportunities for improvement, and adapting to changes in the business environment.

 These six essential steps to identifying and managing cash flow are seamlessly integrated into the functionality of the Cash Requirements report. This powerful tool empowers new entrepreneurs with the same level of financial insight and leverage enjoyed by big businesses.

THE BOTTOM LINE

Cash flow management is a fundamental skill that every entrepreneur must master to build a resilient and thriving business. By recognizing the importance of cash flow, implementing proactive strategies, and staying vigilant in monitoring and managing cash flow, new entrepreneurs can navigate the challenges of entrepreneurship with confidence and unlock the full potential of their ventures. Remember, cash flow isn't just about survival—it's about laying the foundation for long-term success and prosperity.

[ccaliforniagirls]

How ia she saying muslims should be killed then follow a muslim player 😭😭

she must not know that bono is a muslim, she only knows his annual salary

[niharikaslernings]

Are you going to fail in life?

Introduction:-

For new viewers, let me give you a quick information of what I write. So, I write blogs on what I learnt from the whole day because every day has it's unique sense and it always taught you some tiny lessons but in pressure of your goals, you forget those micro learnings. In simple words, I write blogs on everyday's learning. This particular blog is about what I learnt from today. Therefore, be with me till the end and most importantly enjoy the blog of today.

Incidence:-

Today was the first day of school after summer holiday's. So, no teacher had a mood to teach anything. Some were checking projects and files in the classroom and some were giving lectures on life. My science teacher, she told us that she was a topper, she had got 95% in 10th and 12th. After having such a great marks and percentage. She got no job because of which she choosed to be a teacher by profession to run her household or to be financially independent. She also told us that some of her students which are performing outstanding in their studies, got no job after their graduation. So, to be financially independent, they became tuition teachers to run their house. She said, it's because of high competition. Therefore, she want us (all the students) to work very hard to get a job. She had a very wrong belief system:- she thinks that because competition is high, all the students must have to work hard for securing a 50000-60000rs salaried job. But I seen her ignoring the fact that there are plenty of opportunities available in the academic field. In this world of competition, if someone wants to get a job by graduation, it will be so hard. But there is another way too to get a job, it's a field of technical skills, where you can get a job of above 1 lakh per month but the condition is you have to be consistent while learning the skill and you have to give it a minimum time period of 3 years. Even now, I had seen the society, teachers saying engineers & doctors are the best career options. They literally ignore the number of students applying, they know that their child will not qualify but then also they sent them to kota and other places. They know the rate of unemployed engineer but still they ignore all this. It's like closing our eyes to not face the truth. They gave their belief system to their children which causes lot's of problem for a child. If the child is not able to qualify the exam, he/she feels himself/herself a failure that's why the suicide rates are increasing in india. I asked from many of my classmates, "hey, what do you want to be?". Most of them replied:- doctor, engineer, ias or banker, they were all taking name of any competitive exams without realising that most of them are going to fail according to the fact. But why they are ignoring the real fact? They are the future of india, they are youth of india. How can be our next ruling youth be that narrow minded or blindfolded?, But Whose fault is this? Is it of that innocent child?

No, the fault here is of our society, relatives which pressurised the child so much badly that the child ability to take decisions, to understand the logic, to think critically, to realise a pattern or a fact declined because of which the child is not able to think logically. It's the fault of the society that they are not prompting or changing their perception and giving the same mindset and logic to their childrens as well. That's the reason of failures. They are destroying there childrens careers and they are making them unemployed. I realised one more pattern here which bursted my mind and I just want to stop this massive destruction, that's the reason of why I am writing this blog. The pattern is right below in the learning section.

Learning:-

After having such high percentage in school, she didn't got a job. So, she start teaching for earning and she is teaching her students to study to secure a job. Her students didn't got job too and they become tuition tutors or teachers. Then, there students will also become teachers after getting no job as you know that the population is growing, competition is increasing, number of seats are decreasing. What you are observing in this pattern? Do you find something strange here? Let me tell you if you hadn't:- The strange part is the one's who are failing are becoming teachers and those failed peoples are teaching our young youth, how to get a job which they hadn't got themselves. Tell me how can a person can explain you the things which he hadn't achieved in his life and if they are telling you means, of course, you are going to fail. Are you alone? No, you are not alone, the same teacher teaches your classmates too and may can be in some cases at coachings too. So, there are 500+ students which study from the same teacher and there are going to fail. This is the cause of massive failures of students or this is the flaw of indian education system. In Indian education system, peoples who fail become teachers and then they produce massive failures. This burst my mind, I just want to stop this to make you realise the seriousness of the problems, I written this blog.

[Note:- I do not have any intent to disrespect teachers. I just want the peoples to open their eyes. But there are always exception. In this world, there are some generous teachers as well which provides education for free and are real strugglers, they had seen the struggles and they are telling everything from their real experiences through what they had faced.]

[motsimages]

It's not only about making cheaper things (with worst ot non-existing quality), it's not only about being too lazy to learn something new. It's that right now, it is mandatory to know about everything, even if you have no interest in it.

Your salary is so low that you cannot pay an specialist. Companies that could pay for it, don't want to. Freelancers are expected to know marketing, graphic design and basic coding just to find clients.

So this IA things come as The Solution. You won't have to learn how to write, IA will write for you. You won't have to learn how to make a poster, IA will do that for you.

And you sigh in relief, because you didn't have the money to pay for it, you didn't have the time or the interest to learn how to do it and it will help you out short term (or so you believe).

Many IA solutions are offered to professionals and specialists, not to the general audience for this very reason.

[mithrasconsultant]

Understanding Actuarial Valuation and End of Service Benefits

Introduction

In today’s corporate landscape, financial planning plays a crucial role in ensuring stability and compliance with regulatory standards. One of the key aspects of financial management for organizations is actuarial valuation, particularly for end of service benefits. These calculations help businesses determine their future liabilities, ensuring they set aside adequate funds to meet employee benefits obligations.

In this blog, we will explore the significance of actuarial valuation, its role in managing end of service benefits, and why businesses should prioritize accurate financial planning.

What is Actuarial Valuation?

Actuarial valuation is a statistical and mathematical method used to assess an organization's financial liabilities related to employee benefits. It is primarily used to estimate the present and future obligations of employee benefits such as gratuity, pensions, leave encashment, and other long-term benefits.

Key Objectives of Actuarial Valuation:

Determine Liabilities – Helps organizations understand their financial commitment to employees.

Compliance with Accounting Standards – Ensures businesses comply with IAS 19 (International Accounting Standard 19), AS 15 (Accounting Standard 15), and Ind AS 19 (Indian Accounting Standard 19).

Financial Planning – Assists in long-term financial stability and resource allocation.

Regulatory Compliance – Essential for companies operating in countries with mandatory gratuity or pension laws.

Actuarial valuation is conducted by professional actuaries who use complex statistical models and risk assessment tools to estimate future payouts.

Understanding End of Service Benefits (EOSB)

End of service benefits (EOSB) are financial compensations that employees receive upon completing their tenure in an organization. These benefits vary depending on the country’s labor laws and company policies.

Types of End of Service Benefits:

Gratuity – A lump sum payment made to employees upon resignation, retirement, or termination.

Pension Funds – Monthly payments provided to retired employees.

Severance Pay – Compensation given to employees in case of layoffs or termination.

Leave Encashment – Unused paid leaves converted into cash benefits.

Provident Fund Contributions – Accumulated savings from employee and employer contributions.

Many companies in regions like the Middle East, India, and other parts of Asia have mandatory end-of-service benefits, making actuarial valuation essential.

Why is Actuarial Valuation Essential for End of Service Benefits?

Organizations that provide gratuity, pension, or long-term benefits must conduct actuarial valuation to determine their financial liability. Without proper planning, companies risk financial strain when these benefits become due.

Benefits of Actuarial Valuation for EOSB:

✔️ Accurate Liability Estimation – Ensures businesses allocate the right amount of funds. ✔️ Regulatory Compliance – Helps in fulfilling labor law requirements. ✔️ Risk Management – Prevents financial crises by forecasting future payouts. ✔️ Transparency in Financial Statements – Builds investor and employee confidence.

How is Actuarial Valuation for End of Service Benefits Conducted?

Data Collection – Employee demographics, salary details, and tenure information are gathered.

Assumption Setting – Factors like mortality rates, salary growth, and attrition rates are considered.

Calculations Using Actuarial Methods – The Projected Unit Credit (PUC) Method is commonly used.

Report Generation – Findings are documented in compliance with accounting standards.

Actuarial Valuation & End of Service Benefits in Compliance with Accounting Standards

To ensure global acceptance and financial accuracy, companies follow these accounting standards when performing actuarial valuation:

IAS 19 – International Accounting Standard for Employee Benefits.

Ind AS 19 – Indian Accounting Standard for Employee Benefits.

AS 15 – Indian GAAP Standard for Employee Benefits.

IFRS – International Financial Reporting Standards for financial statements.

Non-compliance with these standards can lead to financial penalties, incorrect reporting, and legal complications.

How Mithras Consultants Can Help?

Mithras Consultants specializes in actuarial valuation and end-of-service benefits calculation, ensuring compliance with global accounting standards. Their services include:

✅ Actuarial Valuation for Gratuity, Pension, and Leave Encashment ✅ Comprehensive EOSB Calculation & Forecasting ✅ IFRS & IAS 19 Compliant Reporting ✅ Expert Advisory for Financial Risk Management

For accurate actuarial valuation and expert guidance on end of service benefits, visit: 🔗 Mithras Consultants - Actuarial Valuation 🔗 Mithras Consultants - End of Service Benefit

Conclusion

Actuarial valuation is a critical financial process for companies providing end of service benefits like gratuity, pension, and severance pay. It ensures financial stability, compliance, and accurate forecasting of liabilities. Organizations that conduct regular actuarial valuations can efficiently plan their employee benefits strategy and avoid financial risks.

If your company needs professional actuarial valuation services, trust Mithras Consultants for accurate calculations and compliance solutions.