#Learn personal finance India

[bandaiddd]

Heard someone say Robin Swift in Babel has no personality….

When will you understand that being a ‘threat’ in colonial structures strips you of identity and only allows you to exist in opposition. He has humour, he finds joy, he has passion, but none of that matters as the system is not built to express those characteristics from him!

The review also said the book was just white people hate repeated in different ways, when will you look deeper and realise that colonial powers are built to serve white people and run levels upon levels deep. It is embedded into everything the British empire does! In what they eat, their hobbies, their entertainment, their finance, their goverment etc etc.

From a narrative stand point, you can dislike these things. But Babel isn’t just telling a story, it is retelling history and creating fantasy symbols to make that history accessible to everyone! The symbol of silver work encompasses the entire Industrial Revolution and makes it digestible for those uneducated in that field. This book rejects colonialism through the narrative.

Someone also said the translators notes were useless. R.F Kuang uses a third perspective and translator’s notes to present this story as we read other stories of colonialism, we are fed it through others, we will never know the pure raw truth. Kuang also moved to America when she was four, she herself is a translator for her own history! She is also educated in Oxford, Cambridge, Yale etc. The addition of translator’s notes adds a level of depth to this story that I adore!

This is why Babel is a necessary read for all those wanting to learn more about colonial history, esp in China and India.

[fandomcen]

Bridgerton Rewatch Observations:

Despite how she’s the main love interest of season 2, Kate doesn’t really get the attention she deserves, (which is the point of her character development) but there’s little moments that really deny her the Main Character Romance she deserves

No one ever fills out Kate’s dance card

Not even Antony

Or Lord Dorset

It’s not even clear if Dorset attends balls. He’s only around for the occasional promenade

If Dorset did attend balls, he didn’t even talk to Kate

Kate is always watching everyone else be courted or danced with, but Kate is never asked to dance till the finale of the season (Edwina forcing Antony to dance with Kate doesn’t count)

No one even really converses with Kate at balls let alone flirts or even fetches her a lemonade

No one calls on Kate

Again, not even Dorset

Kate’s birth parents’ names are never said. We only know her father as a clerk but not even Lady Mary calls him by name.

We also don’t know how old Kate was when her father passed

There’s no flashbacks of Kate’s backstory, which may have been due to budgeting a landscape that looked like India but Antony got flashbacks for his character development in the same seaosn

When Dorset does pursue Kate, he actually says something inappropriate between the lines, “If friends can visit her in India” and that casualness and unchaperoned in that society was not allowed. It almost sounded like he was asking if he can hook up with her whenever he was in India

BUT in front of Antony (the viscount) and the ton Lord Dorset makes this sudden remark about trying to convince Kate to stay in England when he just flirted with her about visiting her in India

It’s easy to forget that Kate’s early life was in the midst of the “Working Class” which were labors such as house maids and staff. She grew up needing to know skills from a very early age

It’s never stated outright but implied why Kate took over her family’s finances after her father’s death. Kate’s father was a clerk, he had skills in order to survive, and he pushed Kate to learn as much as possible. For example how she can hunt. Whereas Lady Mary who grew up in the early 1800s in the palace never had to learn a trade, let alone how to manage finances. So Kate took over because there was literally no adult left in her life who could even remotely balance a checkbook but her and that must have been so scary at such a young age

Though Lady Mary must have thrived in India because she seemed very confined in the palace, and got to know a part of her heritage that seemed erased (this an assumption from context)

Lady Mary’s mother doesn’t seem to engage in Indian culture much (from the 3 scenes we saw of her) but Lady Mary practiced so many traditions with her daughters from language to wedding traditions, to even hair oiling

It’s crazy that Eloise never told any of her family that the queen accused her. She was a teenage girl who was accused with treason from the head of state and one of the most powerful people in her country, AND SHE DIDNT TELL ONE PERSON IN HER FAMILY. CRAZY

[clarynewme]

My initial is A, he/him.

I am from Mumbai, India

My D.O.B is 01st August 2004

Time of birth : 01:37 pm IST

I would like to know about my future spouse.

Thanks

Hi😊 For your reading I am going to use mostly vedic astrology.

In D1 chart aquarius saturn is transiting your 5th house (dating/hobbies/creativity) aspecting your 7th lord mars in leo 11th house (jupiter + mercury) by 7th aspect indicating that you might meet your future spouse or longterm partner this year, but there could be a certain delay or obstacles when it comes to dating and creativity. You might meet this person online, through friends/groups, social networks. This gives me slow burn/serious romance, friends to lovers or online dating. Actually the delay could potentially be that your partner comes from a different background(wealthier than you or have different values or the need to build stability for example) with mars being 2nd lord or you can become friends online and then later meet in person to have a romantic relationship.

With taurus jupiter transiting 8th house aspecting all these placements above it brings abundance, support and optimism helping you guys meet sooner and overcome obstacles in the relationship , mitigate misunderstandings, share interests/goals and values, communicating openly about your feelings fears/traumas, healing, transformation, etc.

MOON CHART (considering moon as rising)

Taurus jupiter is transiting your taurus 5th house bringing abundance in romance/dating/hobbies/creativity/finances/stability/selfworth.

D9 CHART 

In your D9 chart Jupiter in taurus is transiting 12th house saturn aspecting 7th lord scorpio jupiter(10th lord) conjunct sun indicating that your future spouse might be meeting you this year. This meeting might be fated/karmic (soulmate), you might meet each other through dreams, foreign lands, spirituality or in a transformative/healing time. You might grow and work together in service oriented projects, support each other, overcome obstacles related to work, past traumas, daily routine, physical and mental health,etc.

With aquarius saturn transit in 9th house aspecting leo moon in 3rd house and all these placements above this confirms long distance relationship and possibly meeting through higher education or in a foreign country. Your future spouse might be facing challenges related to higher education, travel, learning, communication, emotions, authority figures, mother, siblings, family. You guys might have communication issues, one of you might not open up or know how to express their feelings. (Delays in developing a relationship)

Pisces/virgo rahu/ketu is transiting your 10th/4th house axis so your future spouse might be focusing on her career, trying to balance his personal life with professional life, could be changing jobs or rethinking about his responsibilities, etc.

DASHA/TIME PERIODS

You are currently running rahu-venus dasha from 2022 till 2025 which is great for marriage/meeting spouse (rahu is in your 7th house and venus -> love + significator of spouse for men).

(You actually went through rahu-venus-mars dasha from 19 november 2023 till 22 january 2024; Have you met someone back then? Mars is your 7th lord and Darakaraka -> spouse ).

Right now you are running rahu-venus-jupiter dasha till 28 november 2024 which is a good chance as well to meet your longterm partner (jupiter ->marriage and is conjunct your mars).

You also have good chances next year 2025 specially during rahu-venus-mercury dasha from 19 may till 22 october, mercury is conjunct your mars; gemini jupiter transit in may will be affecting your gemini venus and saturn activating longterm romantic relationships/marriage; Cancer jupiter transit in october will be influencing 7th house from moon chart👀 (you might also gain a lot of success/recognition in your career cause you sun in cancer 10th house in d1 chart)

If you want to know specific time periods(dashas pictures) or more you can DM me. 

NOTE1: Remember that we might have many soulmates and potential long term partners.

SOLAR RETURN

I am going to use solar return of 2024/2025.

From the 7th lord sign and 7th house energy we can see what kind of person you will meet,  probably one of his big 3 placements and how your relationship would be.

You actually have 7th house gemini moon which means this would be a emotional/nurturing connection based on communication, knowledge, learning, working together, exploration, friendship, flexibility, playfulness, etc. She could be close to her mother/family, emotional, charming, nurturing, caring, flirty, creative, communicative, teasing, balanced, fair, possessive, dualistic, complex emotions, restless energy, negotiator/advisor, words of affirmation and physical touch,etc. With moon in 7th house this year you will feel a strong desire to have a longterm relationship.

With 7th lord leo mercury conjunct venus in your 9th house she could be creative, youthful,  beautiful, childlike, wise, spiritual, open minded, supportive, intelligent, creative, nurturing, affectionate, confident, passionate, show off, proud, loud communicator, extroverted, loyal, honest; values freedom, travelling, spirituality, arts, intellectual pursuits, luxury, legacy, family, etc; aloof, arrogant, know it all, egoistic, overindulgence, blunt, overdramatic, need for validation if not managed.

You can have a creative intellectual connection discussing about every topic you wish to learn, share interests. You can do artistic projects together, do spiritual practices, travelling, having fun, learning/studying together, explore the world, being playful, words of affirmation, physical touch and gift giving, etc.

Balance between freedom and partnerships is crucial as well communication and knowing yourselves to overcome misunderstandings and conflicts.

7th lord is aspecting aquarius saturn in 3rd house by 7th house indicating possible communication barriers, misunderstandings, different beliefs, boredom vs creativity/fun, etc.

Finally 7th lord is aspecting taurus mars in 6th house by 10th aspect that could indicate conflicts related to daily routine, work, health, financial stability need to be solved. Service, support and determination are essential in this relationship as well balancing creative goals and practical goals, working creatively in a disciplined, etc.

One of her big 3 placements could be same or opposite sign of 7th lord so aquarius or leo. (if you happen to meet her before your birthday she could have aries/libra)

DARAKARAKA + 7TH LORD D1

In regards to magha mars Darakaraka + 7th lord  in 11th house D1 chart conjunct mercury and purva phalguni jupiter your spouse could embody these characteristics: hot, attractive, energetic, active, creative, spiritual, influential, romantic, diplomat;values heritage, father, family, money, aesthetics, beauty and luxury; beautiful, sensual, affectionate, well dressed, leader, charming, charismatic, passionate, creative, confident,persuasive, generous, assertive, famous, wealthy, regal nature, tricky, unpredictable, flirty, unique ideas, intelligent, dualistic, honest/blunt, loyal, wise, sense of humor, good natured, dramatic, social engaging, proud, loves his friends, egoistic, arrogant, need for validation/recognition, wants to leave a legacy, strong, transformative, intense, supportive, loves sports, fitness and arts, gift giving/receiving, challenge society (rebel), competitive, agressive, loud communicator, know it all, etc.

Mars is aspecting libra/aries ketu/rahu 1st/7th house axis indicating that your future spouse or longterm partner could have unique and unconventional ideas about relationships and the way she expresses herself, desire for public recognition through partnerships. This could cause misunderstandings, lack of balance between personal desires and relationships. This relationship could be very intense and transformative (you could argue/fight a lot due to rahu in aries 7th house).

Lastly mars is aspecting capricorn moon in 4th house by 6th aspect indicating emotional conflicts related to home, family and domestic responsibilities that will need to be solved.

VENUS

Venus is also significator of spouse/marriage (for men mostly), your jmvenis is in mrigashira gemini conjunct ardra rahu in 9th house so your spouse/marriage could embody these characteristics: foreigner or different culture/religion/ethnicity, abundance, optimism, transformative, unconventional, will allow you to grow individually and together as a team; communication and intellectuality, learning how to connect with each other, balancing desires/goals with spiritual/ethic/moral values, challenging society expectations, engaging in philosophical discussions and deep conversations, etc); Your future spouse could be intense, transformative, charming, communicative, sociable, friendly, lucky, fortunate, creative, optimistic,curious, youthful,persuasive, spiritual/religious, tricky, flirty, well educated (have a high education),intelligent, dualistic, honest/blunt, loves travelling/arts/philosophy/adventure/freedom, adventurous, intelligent, seeks the truth, good sense of humor, know it all, use logic to process his emotions, anxious; sibling" rivarly, twinflame, menthor/student, etc.

7TH LORD D9

7th lord in D9 nakshatra and sign could also show future spouse characteristics and how will be the marriage.

You have 7th lord sun in scorpio jyestha conjunct Anuradha rahu in 6th house there is an emphasis on emotions, transformation, loyalty, stability, intensity, karmic, finances/shared resources, passion, intimacy, spirituality, recognition, daily routine, health, healing, work and creativity in this connection. Spouse can be wealthy, supportive, intelligent, generous, secretive, overgiving, emotional but hides them, intense, passionate, ambitious, stable, mature, loyal, hardworking, assertive, good advisor, organized, service oriented, investigator, curious about occult, talented, creative, intuitive, psychic, dualistic, health conscious, compassionate, agressive, competitive, jealous, possessive, stubborn, overindulgence, neatfreak, need for validation, etc.

APPEARANCE + CAREER + SYMBOLISM

When it comes to appearance fs would have masculine features; strong jawline; large defined hips/butt; prominent hair/forehead/ankles/calves/legs/chest/lips; strong bone structure; youthful appearance; angular/sharp features; pouty features; tattoos; piercings; average to tall height; muscular or defined body;  have reddish or dark features; hot; unique/exotic or exagerated features (ex:large eyes), different culture maybe; thin defined/muscular legs; etc (You can find more from Camila Regina tiktok🤌)

For your future spouse career I am trying out this tecnique the 10th sign from 7th lord in D1 or D9 could indicate possible fields: 

D1 Taurus: so anything related to banking, real estate, culinary arts, beauty, wellness, music, performing arts, luxury, retail, garneing, horticulture, agriculture, farming, finances, law, management, creative arts, entrepreneur, education, etc

D9 Leo (moon): so anything related to leadership, sports/athletics, politics, healthcare, marketing, sales, travel, tourism, real estate, media and communication, government, military, law, creative arts, design, hospitality, events, entertainment, performing arts, psychology, counselling, business, spirituality, education, entrepreneur,  boss,  etc

Regarding your meeting, pay attention to symbolisms of these signs: 

Cancer: mother, family, home, house, crab, lake, lobster, car, showing up at your house, food, restaurant, hospital,nursing, foster home, baby, child, etc.

Aquarius: color aqua, waterfall, watercarrier, spirituality,  tarot, astrology, Internet, technology, online, science, sea animals, dam, arts, accident, sudden, Electricity, aquarium, social media, groups, friends, etc.

Sagittarius: horse, arrow, Bow, education, travel, foreign, OK cupid, shooting, spirituality, museum, adventure, risk, philosophy, culture, college, etc.

NOTE2:  cancer from vedic chart ; aquarius 2x; sagittarius from tropical chart

(This technique is by Camila Regina on tiktok💗)

Vedic Astrology placements D1/D9 (includes atmakaraka AK):

Aquarius/Leo/Gemini/Sagittarius/Capricorn/Cancer/Scorpio/Taurus

Mars,Sun,ketu , jupiter, mercury, saturn, moon nakshatras/influence

Okay I think I am done😅 I hope you like this reading if you do leave feedback on my page🙏 And let me know if it resonates👌it helps improving my readings🫶💜

[certifiedmanagementaccounting]

Your Complete Guide: How to Apply for the ACCA Course in India

The Association of Chartered Certified Accountants (ACCA) is one of the most sought-after global certifications for aspiring finance and accounting professionals. It is internationally recognized, making it a top choice for students looking to build a successful career in finance, accounting, and auditing. If you're in India and are interested in pursuing the ACCA course, here’s a step-by-step guide on how to apply.

Step 1: Check Eligibility Criteria

Before applying, ensure that you meet the eligibility requirements for the ACCA course. Typically, candidates who have completed their 10+2 with a minimum of 65% in Mathematics/Accounts and English and 50% in other subjects are eligible. Graduates in commerce or related fields may also be eligible for exemptions from some exams, depending on the university they attended.

Step 2: Register for ACCA

To apply for the ACCA course in India, you first need to register on the official ACCA Global website. The registration process is straightforward:

Visit the ACCA official website.

Navigate to the ‘Apply Now’ section and fill out the registration form.

You will need to provide personal details, educational qualifications, and other relevant information.

Once the form is submitted, you will receive a confirmation email with details of your ACCA student account.

Step 3: Submit Required Documents

To complete your registration, you will need to upload scanned copies of the following documents:

Proof of Identity: Passport, Aadhaar card, or any other government-approved ID.

Educational Certificates: Marksheets and certificates from your 10+2 and graduation (if applicable).

Passport-sized Photograph: A recent digital photo.

Make sure all documents are clear and meet the specifications mentioned on the ACCA website.

Step 4: Pay the Registration Fee

After submitting your documents, the next step is to pay the ACCA registration fee. The fee can be paid online through a secure payment gateway on the ACCA website using a credit/debit card or other accepted payment methods. Once payment is made, you will receive an official confirmation of your enrollment in the ACCA program.

Step 5: Start Your ACCA Journey

After completing your registration and fee payment, you can access your ACCA account, where you’ll find details about the exam schedule, study resources, and more. You can then plan your study schedule and register for the ACCA exams.

NorthStar Academy: The Best Option for ACCA Coaching

Choosing the right coaching institute is crucial to your success in the ACCA course. NorthStar Academy is the best option for ACCA coaching in India, offering comprehensive study materials, expert faculty, and flexible learning schedules. With a proven track record of success, NorthStar Academy ensures that students are well-prepared for their ACCA exams and can confidently pursue their career in global finance.

In conclusion, applying for the ACCA course in India is a simple, step-by-step process. With the guidance and support of NorthStar Academy, you can ensure a smooth application process and be on your way to achieving your ACCA certification.

[catgirltoes]

The state of tribal children in these traumatic residential schools is worse. The truth is that students in these schools are being stripped off their identities, and even after multiple exposés on deaths and sexual abuse cases in government-run residential tribal schools in Maharashtra, Chhattisgarh, Odisha and Assam, no concrete measures are being taken. Instead, the government plans to set up more residential schools by 2022 under the garb of tribal education and development. Every block with more than 50% ST population and at least 20,000 tribal persons will have an Ekalavya Model Residential School, said the finance minister in his budget speech this February.

India has never evaluated the dangers, purpose and politics of setting up these residential model schools for tribal children. Since the mid 1990s, post liberalisation, many corporations have started operating residential tribal schools as a part of their CSR policies. These companies have a strategic interest in the lands that tribal communities inhabit. Most private-run residential schools in India receive large amounts of funds from companies which wrest control over tribal lands. In fact, residential schools have become a new-age displacement mechanism, under the pretence of an assimilationist education system.

This seems extremely similar to the explicitly genocidal Indian Residential Schools in Canada.

[iareative]

Find the Best College for MBA in Bangalore: What You Need to Know

Best College for MBA in Bangalore: A Comprehensive Guide

Choosing the best college for an MBA in Bangalore can be a daunting task, given the plethora of options available. Bangalore, often referred to as the Silicon Valley of India, is home to numerous prestigious institutions offering top-notch MBA programs. This guide aims to provide a comprehensive comparison of the leading MBA colleges in Bangalore based on factors like specialization, placements, faculty, fees, and more.

Comprehensive College Comparisons

Indian Institute of Management Bangalore (IIMB)

Specializations: IIMB offers a wide range of specializations including Finance, Marketing, Operations, Human Resources, and Entrepreneurship. Placements: IIMB boasts a stellar placement record with top companies like McKinsey, BCG, and Goldman Sachs recruiting in large numbers. Faculty: The faculty at IIMB is renowned for their academic prowess and industry experience. Fees: Approximately INR 23 lakhs for the full program. Analysis: IIMB is often ranked as one of the top MBA institutions in India, offering a rigorous curriculum and excellent placement opportunities.

Xavier Institute of Management and Entrepreneurship (XIME)

Specializations: XIME offers specializations in Marketing, Finance, HR, and Operations. Placements: XIME has a robust placement cell with companies like Infosys, TCS, and Deloitte recruiting graduates. Faculty: XIME has a mix of experienced academicians and industry professionals. Fees: Around INR 11 lakhs for the full program. Analysis: XIME is known for its affordable fees and strong industry connections, making it a great choice for MBA aspirants.

Symbiosis Institute of Business Management (SIBM)

Specializations: SIBM offers specializations in Marketing, Finance, Operations, and HR. Placements: SIBM has an impressive placement record with companies such as IBM, HUL, and Google participating in the placement process. Faculty: SIBM's faculty comprises experienced professionals and researchers. Fees: Approximately INR 13 lakhs for the full program. Analysis: SIBM is recognized for its comprehensive curriculum and strong placement support.

IA School of Management Studies

Specializations: IA School offers specializations in Marketing, Finance, HR, and International Business. Placements: The placement cell at IA School collaborates with companies like Wipro, Accenture, and ICICI Bank for recruitment. Faculty: IA School's faculty includes a blend of seasoned academicians and industry experts. Fees: Approximately INR 8 lakhs for the full program. Analysis: IA School of Management Studies is noted for its practical approach to learning and affordable fees, making it a viable option for many students.

MBA Aspirant's Guide

Application Process:

Entrance Exams: Most colleges in Bangalore accept scores from entrance exams like CAT, GMAT, XAT, and MAT.

Application Preparation: Focus on building a strong profile with a mix of academic achievements, work experience, and extracurricular activities.

Interviews: Prepare for personal interviews by understanding the college's ethos and demonstrating clarity on your career goals.

Choosing the Right Specialization:

Assess your interests and career goals. If you're interested in financial markets, a specialization in Finance would be ideal.

Research industry demands and emerging fields to choose a specialization with robust career opportunities.

Industry Insights and Trends

Current Trends in the MBA Job Market:

Increasing demand for data analytics and digital marketing professionals.

Growing opportunities in the startup ecosystem and entrepreneurial ventures.

Higher demand for MBA graduates with skills in sustainability and corporate social responsibility.

Alumni and Expert Interviews:

Interviews with alumni and industry experts can provide valuable insights into the job market and emerging career paths.

Networking with alumni can also open doors to mentorship and job opportunities.

Campus Life and Experiences

Student Experiences:

IIMB: Students at IIMB often highlight the intense academic rigor and vibrant campus life, with numerous student-run clubs and events.

XIME: Known for its supportive environment, XIME students benefit from a close-knit community and numerous extracurricular activities.

SIBM: SIBM offers a well-rounded campus experience with excellent facilities, diverse student clubs, and a strong focus on personal development.

IA School: Students at IA School appreciate the practical learning approach, active student clubs, and strong peer support network.

Campus Facilities and Extracurricular Activities:

IIMB: State-of-the-art classrooms, extensive libraries, and modern sports facilities.

XIME: Well-equipped classrooms, a library, and facilities for various sports and cultural activities.

SIBM: Modern infrastructure, including advanced classrooms, a comprehensive library, and numerous clubs for different interests.

IA School: Modern classrooms, comprehensive library, and various student clubs and activity centers.

Conclusion

Selecting the best college for an MBA in Bangalore requires thorough research and consideration of various factors such as specializations, placements, faculty, and campus life. Institutions like IIM Bangalore, XIME, SIBM, and IA School of Management Studies stand out for their comprehensive programs, excellent faculty, and strong placement records. By focusing on your career goals, understanding industry trends, and seeking insights from alumni, you can make an informed decision and choose the MBA program that best aligns with your aspirations.

Frequently Asked Questions (FAQ)

1. How can I determine which MBA program in Bangalore is the best fit for me? Ans:  Match your career goals, specialization interests, and budget with the college's offerings, placements, and fee structure.

2. What are some of the emerging industries in Bangalore that MBA students should be aware of? Ans: Focus on sectors like IT, biotechnology, e-commerce, and sustainable business as they offer promising opportunities.

3. How important is the alumni network when considering an MBA program? Ans: A strong alumni network provides mentorship, job referrals, and industry insights, enhancing career prospects. 4. What role does faculty expertise play in the overall quality of an MBA program in Bangalore? Ans: Faculty expertise influences curriculum quality, teaching methods, and student learning outcomes, impacting overall program value.

[beardedgardenbluebird]

Understanding the Importance of Credit Ratings for SMEs, MSMEs, and Startups in India

In the ever-evolving landscape of the Indian economy, Small and Medium Enterprises (SMEs), Micro, Small and Medium Enterprises (MSMEs), and startups play a pivotal role. These entities not only drive innovation but also create significant employment opportunities and contribute extensively to the GDP. However, one of the fundamental challenges they face is access to capital. This is where the importance of a robust credit rating comes into play.

Why is Credit Rating Crucial?

1. Access to Finance: Credit ratings determine the creditworthiness of a business. A high credit rating reassures lenders of the lower risk involved in extending credit to the business. This can lead to easier access to loans, lower interest rates, and more favorable repayment terms. For SMEs, MSMEs, and startups, which typically face higher scrutiny from financial institutions, a good credit rating can open doors to essential funding.

2. Credibility with Suppliers: A strong credit rating not only helps in securing finance but also enhances the business's credibility in the eyes of suppliers. Companies with better credit ratings can negotiate better credit terms such as longer payment durations and bulk order discounts, which can significantly improve cash flow management.

3. Competitive Advantage: In a market teeming with competition, a good credit rating can serve as a badge of reliability and sound financial health. This can be particularly beneficial in tendering processes where the financial stability of a business is a key consideration.

4. Lower Borrowing Costs: Businesses with higher credit ratings can secure loans at lower interest rates. Lower borrowing costs mean that the business can invest more in its growth and development, improving profitability and sustainability over time. This is especially critical for SMEs, MSMEs, and startups, where financial leverage can determine market positioning and long-term success.

How to Improve Your Credit Rating?

Improving and maintaining a good credit rating requires a strategic approach, including timely repayment of loans, prudent financial management, maintaining a balanced debt-to-income ratio, and regular monitoring of credit reports for any discrepancies.

Need Expert Guidance?

Understanding the nuances of credit ratings and effectively managing them can be complex. This is where expert financial advisory services, such as those offered by Finnova Advisory, come into play. Finnova Advisory specializes in providing tailored financial solutions that cater specifically to the unique needs of SMEs, MSMEs, and startups in India. 

Whether you are looking to improve your credit score, secure funding, or streamline your financial strategies, connecting with the experts at Finnova Advisory can provide you with the insights and support you need to thrive in a competitive marketplace.

To learn more about how Finnova Advisory can assist your business in achieving financial excellence, visit their website or reach out directly for a personalized consultation. Remember, a robust credit rating is your gateway to not only securing finance but also establishing a strong foundation for your business's future growth and success.

[antaxzantax]

What do you think about each notable member of the Ashford family? What do you like the most and the least about them? Any general thoughts?

Since there is hardly any information on the Ashford family as a whole, I will respond directly with my headcanons.

VERONICA ASHFORD

Great-granddaughter of Anne of Great Britain and the youngest of six children, she was always noted for her suspicious erudition and natural beauty. As a child, she enjoyed working in the office of her father, a Scottish businessman who reinvested his inherited Stuart fortune in coal mining. She assisted her father as a bookkeeper and served as his scientific advisor because of her innate talent for learning and her insatiable curiosity for knowledge. At the age of 16 she graduated with a degree in natural sciences, but never pursued a doctorate because she was more interested in business.

When her father was about to die, she conspired with her older brother Rupert to disinherit her other four siblings, taking advantage of her father's favouritism towards her and Rupert and the political circumstances of the time. Two brothers ended up in exile in continental Europe, a third murdered and a fourth disappeared. As agreed, Rupert shared half of the inheritance with Veronica. Veronica took over the factories her father managed in southern Scotland and decided to expand both her business and her fortune.

She built new factories in the north-east of England, north of the River Tyne, which spurred the urbanisation and industrialisation of the Northumberland coast from Newcastle to Berwick. As was common during the Victorian era, the labour force, which was hired for less than half a dollar today, consisted of poor peasant families exiled from the countryside and, especially, of children, mostly orphans who were employed from the streets and orphanages. Working conditions were deplorable and workers who died on the job were buried in mass graves in and around the factories. As today, Veronica prioritised maximum profit at minimum cost. This policy led to a steady growth of her own fortune, surpassing even that of her own family, the Campbells. Apart from industry, Veronica was involved in the colonisation of the East Indies, particularly India and Indochina, where she owned numerous plantations and ran her own company for the recruitment and shipping of slaves in Asia.

These ventures helped to strengthen her political influence, largely inherited from her royal ancestry, and to finance scientific projects and expeditions. It was the latter that made her popular in academic circles, and she became an honorary member of the Royal Society for the Advancement of Natural Science in London. She also ended up becoming an advisor and right-hand woman to Victoria I, a position that ennobled her. Although she aspired to be a duchess like her father, she was eventually granted the title of countess to avoid dynastic conflict with the Crown. She chose Ashford as the name of her title in honour of the village of the same name in Cornwall where she used to summer with her family. The title of Ashford was also adopted as her surname, and she became known as Ashford-Campbell-Douglas-Stuart, or simply Ashford. She chose Northumberland as her home and had his manor house, Ashford Hall, built there.

She married a distant cousin for convenience and had an only son, Stanley, born of a passionate affair with a Prussian general. Her personality was narcissistic and controlling, apathetic to the suffering of those she did not consider part of her social class, but loving and devoted to her family and close friends.

She died of natural causes in 1900.

STANLEY ASHFORD

Stanley was rather continuist with the economic and political line established by Veronica, but also opportunistic. When the First World War broke out, he turned his factories over to the production of armaments and munitions. With the progressive emergence of the United States as a power, he opened new industrial businesses in the country, becoming well known among the American upper class.

With the abolition of slavery and the improvement of working conditions, Stanley was one of the few businessmen in the UK who still clung to the old practices of the Industrial Revolution, such as child labour. Stanley continued to promote child labour in his factories until the Prime Minister sent him a note warning him that it was no longer socially acceptable. For this reason, Stanley became a rather unpopular figure in Northumberland, being characterised as a bogeyman who abducted children to lock them up forever in his factories. To clean up his image, he began investing in charities and negotiating with the workers' unions.

Stanley was noted for his fascination with the occult sciences. In a hidden room at Ashford Hall, he began to keep all sorts of esoteric trinkets and books. His favourite activity was psychophonies, which he practised assiduously, especially after the death of Veronica, with whom he claimed to contact from beyond the grave.

In politics, he was sympathetic to official positions after rejecting the creation of Northern Ireland, which led to his expulsion from the House of Lords, although he later regained his seat.

He married a Scottish Highlander and had twins, Thomas and Arthur. His personality was more moderate than Veronica's, although he was always brusque and uncompromising.

He died during the 1920s.

THOMAS ASHFORD

His untimely death meant that he was barely able to function as head of the family. Arthur's older brother, his brief life was marked by alcohol and prostitution. His addiction to alcohol began when he was very young, mainly because of social pressure and later because of his personal problems, mostly due to his constant affairs with prostitutes.

Apart from his bad life, he was very much loved by Stanley and his brother Arthur, with whom he always maintained a close friendship. Like his grandmother and father, Thomas only obtained a university degree, and quickly went into the family business. Politically, he was a forerunner of Scottish nationalism and Jacobism, both of which he espoused in his numerous pamphlets and works written under pseudonyms. In one letter he wrote that the Ashfords were Scots living in England.

Although he was betrothed, he never married, as he died before formalising his marriage and having children. He was noted for his cheerful and joking personality.

He died of liver cancer in the 1930s.

ARTHUR ASHFORD

After his brother's untimely death, he assumed his position as head of the family. From an early age, he stood out as a bookworm. His main interests were anthropology, sociology and history, from which he graduated. Moreover, Arthur was the first Earl Ashford to be awarded a doctorate with honours under the modern university system. He was a university lecturer and during the World Wars worked as a propagandist in the service of the British government. He wrote several books related to propaganda and social control through culture or ideology. Unlike his predecessors, he did not specialise in the natural sciences and business, although he must have run the family enterprises

He was a highly respected and well-known scholar, although he was also considered an obscure figure because of his misanthropic view of the human species and his introverted and discreet personality. He married a Welsh woman and had two sons, George and Edward. George would end up distancing himself from the family due to problems of conscience to the point of being disinherited by his own father, Arthur. Edward continued with his family and quickly became known for his scientific talents. Arthur and Edward became inseparable, although Edward would eventually take a completely different path from his father by turning to the natural sciences. Politically, Arthur abandoned the nationalist and Jacobite line of his twin brother Thomas for his loyalty to the British Crown.

He died in 1959 of liver cancer.

EDWARD ASHFORD

After becoming an Earl following Arthur's death, Edward focused on research and capitalising on his research. For this reason, he partnered with Oswell E. Spencer and funded the discovery of the Progenitor virus. He would later synthesise the first variant of the Progenitor virus: the Tyrant virus. Like his father, he was a famed and highly respected scholar with wide national and international political influence through his many contacts in the United Kingdom and the United States. Although conservative, his stance was tempered by his concern about nuclear war between the two hegemonic blocs. Apart from his research, he aspired to bolster his family's political and economic status.

He had an older brother, George, from whom he separated, although he always maintained a cordial relationship with him. He married a Dutch scientist, Elizabeth, whom he met in Canada. They had one child, Alexander, whom he always supported, even when he came up with the CODE project: Veronica. His personality was polite and professional, more optimistic than his father's and even idealistic.

He died in 1968 in an accident with the Progenitor virus.

ALEXANDER ASHFORD

After the unexpected death of his father, he took over the baton, becoming president of Umbrella and biological father of the two children that resulted from the CODE project: Veronica. Initially, he did not think they would be his biological children, but to avoid a confrontation with their mother and legal problems, he had no choice but to become involved in their conception himself.

The son of a British father and a Dutch mother, Alexander has both nationalities and is bilingual in English and Dutch. He was always very close to his father, whom he considered his role model. However, he was never his equal, a fact that triggers his insecurity and depressive tendencies. He hates George for abandoning his family. Unlike Edward, who is open and outgoing, Alexander is withdrawn, inexpressive and not given to establishing emotional bonds except with his closest friends or partners.

[exploring-digital-marketing]

Unlocking Opportunities: Exploring Top 10 Digital Marketing Courses in Bandra, Mumbai

Are you looking for digital marketing courses in Bandra? Is it hard for you to choose the best one from the plethora of digital marketing institutes in Bandra? If so, you've landed in the perfect place.

 With the ever-evolving digital landscape, mastering the art of online marketing has become the prime importance. Let's explore the top 10 digital marketing courses in this buzzing city to help you make an informed choice.

Top 10 Digital Marketing Courses in Bandra:

AADME is Asia’s 1st AI-enabled and Lifetime Mentorship digital marketing course in Bandra. They provide a dynamic learning platform for digital marketing classes in Mumbai with an affordable fee structure.

It is the best institute for digital marketing courses in Mumbai. Recently, it was awarded the Most Trusted Digital Marketing Learning Platform in 2023.

Aadme has trained 50k+ learners. They help students, working professionals, housewives, or agency owners who want to scale their businesses.

Course highlights

Guaranteed Internship: Assurance of practical experience through a hands-on internship at the end of the course

100% Job Assistance: Commitment to supporting graduates in securing employment opportunities.

Work Experience Letter: Upon completion of internship you will be granted a work experience letter.

100+ Tools Training: You will learn more than 100 plus automation tools increasing productivity.

7+ International Certifications: Attainment of globally recognized certifications for professional credibility.

Build Your Agency in 90 Days: Empower individuals to establish their digital marketing agencies within a three-month timeframe.

Lifetime Mentorship: Continuous guidance and support from experienced mentors throughout one's career.

Nations’ Best Trainer: Learning from a recognized and esteemed expert Alok Badatia

Personalized Training: Tailoring education to individual needs for a customized learning experience.

Easy EMI Options are Available: Providing flexibility with convenient and manageable EMI payment options.

2. IIDE – the digital school: Known for its industry-aligned syllabus and experienced faculty, IIDE stands out for its focus on practical learning, ensuring students are job-ready.

3. DMTI is another well-known digital marketing course in Bandra.  DMTI SOFTPRO was established in 2009. They provide a range of courses, including both online and classroom training. They have trained more than 29,729+ students in digital marketing.

4. upGrad is an online higher education platform providing rigorous industry-relevant programs designed and delivered in collaboration with world-class faculty and industry. Merging the latest technology, pedagogy, and services, upGrad is creating an immersive learning experience – anytime and anywhere.

5. Compufield is also one of the best digital marketing training institutes in Mumbai. It offers customized learning solutions to students, working professionals, and entrepreneurs. The Digital Marketing Training program is designed keeping in mind the latest industry trends and techniques.

6. ICIT Computer Institute is one of the leading software training companies in India, offering comprehensive IT courses and cutting-edge training programs to IT aspirants [students & individuals], working professionals, corporates, institutions and government entities.

7. EduPristine is one of India’s leading training providers in Analytics, Accounting, Finance, Healthcare, and Marketing. Founded in 2008, EduPristine has a strong online platform and network of classrooms across India and caters to self-paced learning and online learning, in addition to classroom learning.

8. IIM Skills is another institute providing digital marketing courses in Bandra that provides online courses in different digital domains.

They provided real-time projects to ensure that they became well-trained for the digital industry. The institute offers a comprehensive course in digital marketing

9. Digital Vidya- The Digital Marketing Online Course at Digital Vidya offers a valuable learning experience through its hands-on assignments. These assignments are divided into module and case study tasks, which make the course more practical and engaging.

10. IDCM is India’s top-ranked vocational Training Institute, skilling 2 Lakh+ students annually. This course is designed for both freshers and working professionals who want to excel in their digital marketing careers. It is a classroom-based training program.

Exploring the Digital Marketing Course Fees in Mumbai:

Understanding the financial aspect is crucial. The digital marketing course fees in Mumbai vary across institutes. However, institutes like AADME offer value-driven courses without compromising quality.

Finding the Best Digital Marketing Institute in Mumbai with Placement:

Securing a placement after completing a course is a priority for many. Institutes like DMTI and AADME boast excellent placement records, forging lucrative career paths for their graduates.

Unveiling the Best Institute for Digital Marketing Course in Mumbai:

While each institute has its unique offerings, the 'best' institute depends on individual preferences. Factors like curriculum, faculty, industry connections, and alumni success stories play pivotal roles.

Empowering Your Digital Marketing Journey:

Now that you're equipped with insights into the top digital marketing courses in Bandra, Mumbai, it's time to leap! Choosing the right course can transform your career trajectory in the digital sphere.

Ready to delve deeper into the world of digital marketing in Bandra, Mumbai?  

Explore our comprehensive guide to choosing the best digital marketing courses in Bandra tailored to your needs!

[swarajpro]

Exploring Peer-to-Peer Investments Through a P2P Lending Platform in Jabalpur

In today's fast-changing financial world, investors continually seek avenues to grow their finances while being mindful of risks. However, many individuals primarily focus on mutual funds and stocks for investment, unaware of the broader spectrum of available options. Let's explore the challenges investors face and learn how a P2P lending platform in Jabalpur helps them with the best investment opportunities.

Understanding Investor Challenges in Alternate Investment Avenues

As people try to make more money from their investments, they face problems because they don’t know about different ways to invest.

High Barriers to Entry:Investing in assets like real estate demands substantial capital, thus limiting access for many investors to diversify their portfolios effectively.

Opaque Investment Processes:Traditional investment structures can be complex and difficult to comprehend, making it challenging for investors to understand underlying risks and potential returns.

Lack of Information:Not having enough details about where to invest can make it tough to choose the right option. This might make people hesitant to invest at all.

Low Returns:Sometimes, the money invested doesn't grow much, offering lower profits compared to what people expected.

Limited Diversification:Investors might not have enough different types of investments. This lack of variety can make their money more at risk if one investment doesn’t do well.

Lack of Personalised Recommendations:Generic investment advice fails to cater to individual financial goals, risk appetites, and investment horizons, impacting the relevance of investment decisions.

The Potential of P2P Investments in India

Mutual funds are a reliable investment avenue today, but there are more such promising asset classes unexplored by investors. Swaraj FinPro, the best mutual funds investment services in Jabalpur, offers investments in one such asset class with Peer-to-peer (P2P) lending, backed by RBI guidelines where individuals can lend their money on higher interest while other individuals borrow funds from multiple investors through a digital platform. This transformative approach creates a marketplace connecting borrowers and lenders, facilitating secured personal loans while managing the loan life cycle to provide monthly returns to lenders. Here are the benefits of P2P lending platforms for investors:

Higher Potential Returns

P2P lending platforms typically yield higher interest rate to investors, compared to conventional savings accounts and investors can potentially benefit from higher returns up to 12%*.

Diversification Opportunities

By investing across a variety of borrowers on P2P platforms, investors can spread their risk and potentially increase returns by diversifying their investments.

Accessibility and Specific Advantages

P2P lending provides access to investments previously unavailable through traditional channels. Investors can participate with smaller investment amounts, diversify portfolios, and select the tenure.

Passive Income

P2P lending allows investors to earn interest regularly, providing a potential source of passive income.

Potential for Higher Yields

As investors can choose the tenure and interest rates they are willing to accept for lending, there's potential for higher yields based on their risk appetite.

Tailoring Investments for Investors

Swaraj FinPro empowers investors in Jabalpur and pan India to explore P2P lending as an accessible, reliable, and potentially lucrative avenue for diversification and growth within their investment portfolios. P2P lending works well because it's clear, gives different choices, and doesn’t lock your money away for too long.

[r-prakash]

What Does It Take to Be a Successful Data Scientist in India?

So, you want to dive into the exciting world of Data Science in India? Well, grab your thinking cap and get ready for a rollercoaster ride through the data jungle! Here's the lowdown on what it takes to succeed:

1. Get Your Math Game On: First things first, you need to be buddies with math and stats. It's like the secret handshake of the data club.

2. Learning is a Lifestyle: Data Science is like that ever-changing friend who always has something new up their sleeve. So, be prepared to be a lifelong learner. Online courses are your BFFs.

3. Code Like a Pro: Learn Python and R – they're like the cool tools in your data toolbox. You'll use them to cook up amazing data dishes.

4. Sherlock Holmes Mode: Develop a superpower for problem-solving. You'll be the Sherlock Holmes of data mysteries.

5. Dive into a Domain: Choose a domain – like finance, healthcare, or e-commerce – that tickles your fancy. It's like picking your favorite ice cream flavor in the world of data.

6. Picasso of Data: Learn to paint pretty pictures with data. Tools like Tableau or Power BI will help you create data masterpieces that everyone can understand.

7. Pet Projects: Get your hands dirty with personal data projects. It's like gardening but with data. Showcase your green thumb in a portfolio.

8. Make Data Friends: Network with data nerds. Attend meetups, conferences, or just chat with fellow enthusiasts. You might find your data soulmate.

9. Mu Sigma Magic: Mu Sigma is like Willy Wonka's Chocolate Factory of Decision Science. They offer golden tickets to data lovers. Check out job openings at Mu Sigma and see if it's your golden ticket.

10. Soft Skills: Your charm matters too! You need to explain data stuff to folks who don't speak binary. Communication and teamwork are your secret weapons.

11. Be a Chameleon: The data world changes faster than a chameleon's colors. Be ready to adapt and embrace new challenges and tech like a pro.

In India, the data science scene is sizzling hot! There are plenty of juicy job opportunities, whether you're fresh out of college or a seasoned pro. So, gear up because it's time to rock the data world and make some sense out of the chaos, one byte at a time!

[priya-joshi]

Unleashing Opportunities in India: Full-Stack Development as a Promising Career Choice

In the ever-evolving tech industry, one skill set stands out as a valuable asset: full-stack development. This versatile combination of front-end and back-end development has gained prominence in India's vibrant IT sector. The country's IT industry is flourishing, presenting a wealth of opportunities for skilled full-stack developers. Let's explore why full-stack development is not just a career choice but a promising one in India.

The Tech Boom in India

India's IT industry is booming. With a myriad of startups, established companies, and multinational corporations operating in the country, there's a high demand for skilled full-stack developers. These specialists play a crucial role in building and maintaining web and mobile applications, making them increasingly sought after in the job market.

India's IT ecosystem is diverse, ranging from established giants to innovative startups. This diversity means full-stack developers can find opportunities in a wide array of sectors. From e-commerce to healthcare, finance, and beyond, the versatility of their skill set ensures a broad range of job prospects.

Versatility: The Key to Success

Full-stack developers are tech's multitaskers. They can work on a wide range of projects, from developing e-commerce websites and mobile apps to creating social media platforms and enterprise software. This versatility allows them to explore different domains and gain diverse experiences. This adaptability is a significant advantage in the dynamic world of technology.

Imagine being a full-stack developer working on an e-commerce site one month and a healthcare application the next. The ability to switch gears and apply your skills to diverse projects keeps the job engaging and challenging.

Freelancing Opportunities: Independence and Income

In the digital age, full-stack developers have the option to work as freelancers. Freelancing offers the flexibility to collaborate on various projects for different clients, often leading to higher income potential and a diverse portfolio. Freelancers can choose projects that match their interests and expertise, giving them greater control over their careers.

This independence is particularly appealing to those who value work-life balance and wish to steer their careers in a direction that aligns with their aspirations. Freelancing as a full-stack developer offers the freedom to select projects and clients that resonate with your skills and goals.

Competitive Salaries

The financial aspect is often a crucial consideration when choosing a career. Skilled full-stack developers are well-compensated in India. Their salaries often surpass those of many other IT roles. The combination of high demand and a diverse skill set positions them as valuable assets to companies, translating into attractive compensation packages.

For those entering the field, the promise of competitive salaries can be a compelling reason to pursue a career in full-stack development. It not only rewards their hard work but also provides the financial stability needed for personal growth and a comfortable lifestyle.

Continuous Learning: Staying at the Cutting Edge

In the world of technology, stagnation is not an option. The technology landscape is in constant flux, and full-stack developers are expected to stay updated with the latest tools and technologies. This requirement for ongoing learning can be intellectually stimulating and professionally rewarding.

Full-stack developers are akin to perpetual students. They are always learning, adapting, and evolving. This keeps their skills sharp and relevant in an industry that places a premium on innovation.

The scope of full-stack development in India is not just promising; it's thriving. It offers a plethora of career opportunities in a dynamic and rapidly growing IT industry. Whether you're a newcomer looking to kickstart your career or an experienced developer seeking to enhance your existing skill set, full-stack development in India is a pathway to a fulfilling and prosperous career.With the growing tech industry, diverse job prospects, versatility, competitive salaries, and the need for continuous learning, full-stack development in India is more than a career choice – it's a journey filled with opportunities. And with ACTE Technologies by your side, you can be well-prepared to embark on this journey with confidence and competence. So, seize the moment, and unlock your potential as a full-stack developer in India's thriving IT landscape. Your future is waiting.