#what is best peer to peer lending in india

[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.

[manasastuff-blog]

 Top 10 NDA Coaching Centres in Vizag

When it comes to preparing for the National Defence Academy (NDA) entrance exam, finding the right coaching centre can make all the difference. Vizag, known for its vibrant educational landscape, is home to several excellent coaching institutes. Here, we present the top 10 NDA coaching centres in Vizag, with a special mention of Manasa Defence Academy, which stands out for its exceptional training.

1. Manasa Defence Academy

Manasa Defence Academy is often regarded as the best defence academy in Vizag. What sets it apart is its dedicated approach to NDA training. The experienced faculty provides personalized attention to each student, ensuring that their individual strengths are highlighted and weaknesses addressed.

Comprehensive Curriculum: The syllabus is designed to cover both written exams and the SSB interview.

Mock Tests: Regular assessments through mock tests help students gauge their preparedness.

Student-Centric Approach: They understand that each student has a unique learning style and adapt their teaching methods accordingly.

"The teachers at Manasa really helped me focus on my weak areas. Their encouragement kept me motivated!" - A satisfied student.

2. Defence Academy of India

The Defence Academy of India has made a name for itself with a robust curriculum and a strong focus on physical training. The institute places great emphasis on discipline and teamwork, methodically preparing students for the NDA exam.

Experienced Instructors: Trainers with prior experience in the armed forces lend credibility and insight.

Interactive Learning: Engaging learning methods include group discussions and problem-solving sessions.

3. Brilliant Tutorials

Brilliant Tutorials has a solid history of helping students achieve success in competitive exams. Their approach combines traditional teaching with modern techniques, which resonates well with the younger generation.

Flexible Batch Timings: Offers multiple batches, accommodating varying student schedules.

Regular Workshops: These provide additional insights into the NDA exam pattern and preparation tips.

4. Kiran Defence Academy

Known for its focused preparation strategies, Kiran Defence Academy boasts a supportive community that encourages peer learning. They focus not just on academics but also on building character and resilience.

Daily Physical Training: Morning sessions aimed at improving fitness levels, crucial for NDA aspirants.

Guest Lectures: Regular interactions with defence officers provide motivation and real-world insights.

5. Career Launcher

Career Launcher is recognized for its cutting-edge resources and innovative teaching methods. The academy emphasizes conceptual clarity while prepping students for the NDA exam.

Technology-Driven Learning: Smart classes and online resources enhance the learning experience.

Focused Study Materials: Customized materials help in better preparation.

6. Rajeswari Defence Academy

With experienced faculty and a pragmatic approach to learning, Rajeswari Defence Academy caters specifically to NDA aspirants. Their training modules are effective in improving both theoretical knowledge and practical skills.

Individualized Attention: Each student receives tailor-made coaching based on their initial assessment.

Regular Feedback: Constructive feedback helps students track their progress accurately.

7. BSC Academy

BSc Academy is a one-stop solution for students aiming for defence exams, including the NDA. The academy prides itself on its holistic approach to preparation, emphasizing both academics and physical training.

Focused Revision Sessions: These help refresh the material covered and strengthen retention.

Mentorship Programs: Guidance from alumni adds immense value to the learning process.

8. Gyan Vihar Academy

Gyan Vihar Academy is renowned for its supportive faculty and extensive resource network. The academy takes pride in providing a balanced atmosphere that nurtures both academic and personal development.

Interactive Sessions: Innovative teaching strategies encourage participation and engagement.

Assessment and Review: Frequent evaluations help students continuously improve.

9. Excel Defence Academy

Excel Defence Academy emphasizes not just academic preparation but also character building. Their structured approach encourages discipline and a positive mindset, vital traits for a career in the armed forces.

Regular Physical Training: Fitness sessions ensure students are in prime condition for the rigours of NDA.

Personality Development Programs: These sessions foster skills necessary for success in SSB interviews.

10. Northstar Academy

Northstar Academy has created a significant impact in Vizag with its unique training methods and friendly environment. It encourages open communication and collaboration among students.

Peer Learning: Group studies and projects are encouraged, fostering a sense of community.

Focus on Current Affairs: Regular sessions on current events keep students informed and ready for discussion in interviews.

In summary, choosing the right NDA coaching centre in Vizag is crucial for success in the entrance examination. While there are many options available, Manasa Defence Academy consistently excels in preparing students for the challenges that lie ahead. Their commitment to providing quality education and personalized guidance makes them a top choice for NDA aspirants. So, take your time to explore these centres and find the one that fits your needs best!

[creditfaircapital]

Navigating the Best P2P Lending in India: A Comprehensive Guide

In recent years, the landscape of personal finance has been transformed by peer-to-peer (P2P) lending, particularly in India. Best P2P Lending India platform have emerged as a popular alternative to traditional banking, offering a more flexible and accessible way for individuals to lend and borrow money. But what exactly makes these platforms the best, and how can you benefit from them?

What is P2P Lending?

Peer-to-peer lending is a method of debt financing that allows individuals to borrow and lend money without the need for an official financial institution as an intermediary. P2P lending platforms connect borrowers directly with lenders, providing a streamlined process and often better interest rates for both parties. In India, P2P lending has gained significant traction due to its potential to offer high returns to investors and easier access to credit for borrowers.

Why Choose P2P Lending?

1. Higher Returns for Lenders: Traditional savings accounts and fixed deposits often offer low-interest rates. P2P lending platforms, on the other hand, provide opportunities for lenders to earn significantly higher returns on their investments.

2. Flexible Terms for Borrowers: For borrowers, P2P lending offers more flexible terms compared to traditional banks. This flexibility can include lower interest rates, faster approval times, and more personalized loan terms.

3. Diversification: Investors can diversify their portfolios by spreading their investments across multiple loans, thereby reducing risk. This is a significant advantage over more traditional forms of investment.

4. Transparency: Best P2P Lending India platforms are known for their transparency, providing detailed information about borrowers and loan terms, which helps lenders make informed decisions.

Top P2P Lending Platforms in India

When it comes to choosing a P2P lending platform, it’s essential to select one that is reputable and reliable. Among the top contenders in India is [CreditFair](https://p2p.creditfaircapital.in/), a platform that has established itself as a leader in the industry. Here are some key features of CreditFair and other notable platforms:

CreditFair : Known for its user-friendly interface and robust security measures, CreditFair offers a wide range of loan products and detailed information about borrowers, ensuring a transparent and secure lending process.

Faircent : One of the pioneers in the Indian P2P lending market, Faircent offers a variety of loan products and a strong focus on security for both lenders and borrowers.

LenDenClub : Popular for its efficient matching algorithm and comprehensive risk assessment tools, LenDenClub has become a favorite among both lenders and borrowers.

i2iFunding : This platform stands out for its credit risk assessment tools and investor protection measures, making it a reliable choice for cautious investors.

Getting Started with P2P Lending

If you’re considering diving into the world of P2P lending, here are a few steps to get you started:

1. Research : Start by researching different P2P lending platforms to understand their terms, fees, and the types of loans they offer. Look for platforms with good reputations and positive reviews from users.

2. Registration : Sign up on the platform of your choice. This typically involves providing some personal information and completing a verification process.

3. Investment : Begin by investing a small amount to understand how the platform works. Many platforms offer tools to help you assess risk and choose the best loans to fund.

4. Monitoring : Regularly monitor your investments and returns. Most platforms provide dashboards where you can track the performance of your loans.

The Future of P2P Lending in India

The P2P lending market in India is poised for significant growth. As more people become aware of the benefits and the regulatory framework becomes more robust, we can expect to see an increase in both the number of platforms and the volume of loans issued. This growth will further enhance the accessibility and attractiveness of P2P lending as a viable financial tool.

Investing in P2P Platforms

Investing in the right P2P investment platform is crucial for maximizing returns and minimizing risks. The best platforms offer a combination of high returns, robust security, and excellent customer support. By carefully selecting where to invest your money, you can take advantage of the lucrative opportunities presented by P2P lending while ensuring your investments are safe.

In conclusion, P2P lending offers a compelling alternative to traditional financial systems, providing benefits for both lenders and borrowers. As the market continues to grow, finding the best P2P lending platforms in India and making informed investments will be key to leveraging this innovative financial model. Whether you're looking to lend money and earn higher returns or borrow with flexible terms, P2P lending can be a valuable addition to your financial strategy. 

Explore more about P2P lending and investment opportunities at Credit Fair Capital, your trusted P2P investment platform.

Source url : https://creditfaircapital.blogspot.com/2024/07/best-p2p-lending-platform-in-india.html

[falconsgroup]

Why Choose Falcon? Exploring Top Alternative Investment Options in India

In today's financial landscape, finding the best alternative investment options in India can be a game-changer for building wealth. Falcon is a reliable choice among these options, offering unique advantages that appeal to savvy investors.

Alternative Investments -

Alternative investments go beyond traditional stocks and bonds. They include real estate, commodities, private equity, and more. These options often provide diversification and potentially higher returns compared to conventional investments. What Makes Falcon a Smart Choice? 1. Stability and Growth Potential:

Falcon offers stability in volatile markets. Its investment strategies are designed to minimize risk while maximizing returns, making it a preferred choice among investors looking for steady growth. 2. Expert Management:

The Falcon team comprises seasoned professionals who deeply understand the Indian market. Their expertise helps navigate complexities and identify lucrative opportunities for investors. 3. Diversification Benefits:

Investing with Falcon allows you to diversify your portfolio beyond traditional assets. This diversification spreads risk and can enhance overall returns, especially in uncertain economic times. 4. Transparency and Trust:

Transparency is crucial in alternative investments. Falcon maintains high standards of transparency, providing clear insights into investment decisions and performance and fostering trust among investors. Exploring Other Top Alternative Investment Options in India - While Falcon stands out, several other alternative investment options merit consideration: 1. Real Estate:

Property investment remains a popular choice due to potential rental income and property appreciation. Real estate investments can provide long-term stability and hedge against inflation. 2. Gold and Precious Metals:

Gold has historically been a safe-haven asset, preserving wealth during economic downturns. It offers diversification benefits and acts as a hedge against currency devaluation. 3. Venture Capital and Startups:

Investing in startups and venture capital funds can yield high returns, albeit with higher risk. India's burgeoning startup ecosystem presents opportunities for significant growth for early-stage investors. 4. Peer-to-Peer Lending:

Peer-to-peer lending platforms connect borrowers with lenders, offering attractive returns compared to traditional fixed-income investments. It provides an alternative source of income for investors. 5. Cryptocurrencies:

Cryptocurrencies like Bitcoin and Ethereum have gained attention as alternative investments. They offer the potential for high returns but come with substantial volatility and regulatory uncertainties.

Conclusion - Choosing the best alternative investment options in India requires careful consideration of risk tolerance, investment goals, and market conditions. With its stability, growth potential, and expert management, Falcon stands out as a reliable choice for investors seeking diversification and steady returns. By exploring alternative investments like real estate, precious metals, startups, peer-to-peer lending, and cryptocurrencies, investors can build a robust portfolio tailored to their financial objectives. In conclusion, Falcon offers a compelling alternative investment opportunity in India, emphasizing stability, growth, and diversification. Whether new to investing or a seasoned investor, exploring these options can help achieve long-term financial success.

[revfin]

The outlook of fintech in India for various business models in 2022

Every other business in India has grown to rely on FinTech to answer their financial needs promptly. The combination of security, speed, automation, and convenience is simply too good to ignore. In recent years, FinTech has attained unprecedented growth in India, ranked the third-largest globally, and valued at a whopping $31 billion. Given the aggressive reliance on technologies these days, the value of FinTech is sure to redefine several market benchmarks. 

Considering its prominence in the world and, more importantly, in India, here’s a glimpse of how extensively FinTech has evolved and how it continues to transform Indian businesses.

How has FinTech Evolved & Benefitted Indian Businesses?

Digital Innovation Ensures FinTech Does Not Stagnate: Progress cannot be stemmed. There is always the search for the next best thing. Today’s technological market is such that every step taken towards advancement aims to provide grander benefits and convenience to consumers. This factor has greatly enabled the evolution of FinTech. Services like mobile money would allow consumers to control their finances using their smartphones. The peer-to-peer (P2P) or marketplace lending allows several prospective entrepreneurs to engage with investors. Robo Advice provides greater precision and accuracy when providing financial services. Not to mention, Insuretech (insurance technology) & Crypto-Asset have significantly redefined what is possible with FinTech. FinTech has been of significant benefit in India’s budding Electric Vehicle sector. Fintech companies have been primarily responsible for providing credit supply solutions to interested buyers, digital payment solutions for drivers and have even offered an incredible ecosystem where insurance providers, battery manufacturers, and other key players of the electric vehicle domain can connect seamlessly. They have stepped up in a sector that conventional financiers ideally avoid. The influence of technology has not limited these services to India, but is being extensively accepted and implemented throughout more significant parts of the world. There is no limit to the influence of digital innovation in FinTech, and there is no definitive mark of the advantages this provides consumers and businesses alike.  Source Link

[swarajfinpro236]

How is a diversified portfolio similar to a thali that you order in a restaurant?

You might have gone to a restaurant and ordered a thali. It comes with multiple dishes including two types of vegetables, one daal, boondi raita, and a choice of bread, one sweet dish, and rice.

It doesn't make sense to only order rice/chapati/vegetables, right? It doesn't make your meal complete. We need variety to satisfy our appetite and get the taste of each dish. 

Similarly, when you want to achieve your dreams, whether it is to retire early, buy a dream home, or achieve financial freedom, you need to have a diversified investment portfolio (an investment portfolio is the collection of investments that you own), just like a thali with multiple dishes.

So, how do you make your investment portfolio diversified, and why is it necessary? I will try to answer these questions in the blog. So, let's begin. 

Firstly, let's understand what is investment portfolio diversification

Portfolio diversification is owning multiple assets like stocks, gold, real-estate, mutual funds in your portfolio. Just like you have multiple dishes in your thali.

Now, why it's necessary to diversify your portfolio. 

Let's look back to our thali example. If we only eat rice, it will become boring and unhealthy. Because you are not getting the taste and other nutrients of vegetables, daal, etc. 

Similarly, when you invest in a single asset, let's say gold or stocks becomes highly risky, and you may not achieve the desired results. What if the asset goes into a loss and your investment gets wiped out? 

The performance of these assets depends on the market. And the market runs on the concepts of demand and supply. If there is a huge demand for something in the market and limited supply, then the price will go up, and vice versa.

To mitigate risk, it is advisable to diversify your portfolio with multiple assets. There is a famous analogy, which is essentially the essence of diversification. It says that you should not keep all your eggs in one basket. 

To summarize, diversification is important to minimize  Portfolio losses during market uncertainty.

 Reduce risk due concentration in one type of assets.

 Preserve invested capital.

How to diversify your portfolio?

To diversify your portfolio, you need to invest in multiple assets that perform differently under different market conditions. 

For instance, when the economy of a country is doing well, equity usually performs well as corporate earnings go up. However, during this time, bonds typically do not perform well as interest rates increase, and they have an inverse relationship with equity.

On the other hand, during times of global uncertainty, gold is considered a safe haven asset and tends to perform well because people move their capital from equity. 

Hence, it's essential to have a balanced mix of these asset classes to diversify your portfolio and mitigate the impact of various market conditions.

To achieve this, you can seek help from a mutual fund distributor who is an expert in identifying your risk profile, suggesting investments, and regularly reviewing your portfolio. 

Their expertise can assist you in creating a diversified portfolio that aligns with your investment objectives and risk tolerance.

How can we help you? Here at 

mutual fund distributor, we offer investment in different assets right from a single platform including:

Mutual fund SIP we can help you identify the top mutual funds for SIP and we are the Best SIP provider.

P2P service: peer-to-peer lending is an alternative to bank FD with potentially higher interest rates and flexibility.

Equity Investment: we provide India's first AI-powered wealth management platform which can generate returns of up to 30% with expert curated portfolios.

With us, you get:

 Complete online investment in multiple assets

 One-to-one support for your queries

 Customized portfolio according to your risk profile and needs

 Financial planning for your goals in life

 Advice on asset allocation

So, are you ready to achieve your goals? Invest with us to diversify your investment portfolio and fulfill your dreams.

[ksknair]

Uncover the Best P2P Lending Platform in India To Earn Interest

I've recently immersed myself in the world of Peer-to-Peer (P2P) lending and boy, it's a game changer! Experts say it's a disruptive innovation in the finance sector, and I couldn't agree more. It's like a bridge connecting lenders and borrowers without the usual banking red tape. Talk about convenience! Plus, for those of us who like to venture into new investment avenues, P2P lending offers an opportunity to diversify our portfolios, spreading investments across multiple loans to balance out risks.

What's more? The returns are pretty attractive, often beating traditional savings accounts. I mean, who doesn't want their money to work harder? But, like everything else, it's not without its risks. If a borrower defaults, you might not get your money back. Yet, I believe the key is to be informed and cautious. Learn from others' experiences, monitor those Non-Performing Assets, and diversify, diversify, diversify!

With P2P lending, even people with limited credit history or lower credit scores have an alternative source of credit. That's financial inclusion right there! I've only scratched the surface here, but I'm excited to learn more about this financial frontier. If you're on a similar journey, let's connect and exchange notes!

[mi5014tomberry]

Character Design and Modelling - Semester 1

The theme of this module is 'Parades' and it aims to develop my character design skills in conjunction with this them in both 2D and 3D mediums. Whilst listening to the design brief I jotted down any initial ideas that came to mind about the topics of Parades and themed groups:

I slowly added to the list of parades at the bottom both during class and once I got home. I am considering which parades interest me the most and those which would lend themselves to interesting character design. In my other module studying Character Performance I need to make an animation centred around an apprentice of sorts which visualises somebody learning something with both failure and progress included into a short 30 second animation. I have the option to use my character from the Character Design module in my animation for Character Performance and I am taking this into consideration when choosing which Parades to look at. Here are some of the websites that helped me find these parades:

Of the many Parades that I have browsed through, the ones that stand out to me the most for this project are:

Cooper's Hill Cheese Rolling

Pamplona's Running of The Bulls

South Korea's Water Gun Festival

Shetland's Up Helly Aa

El Salvador's Bolas de Fuego

India's Holi Festival

I think that all of these festivals/parades have the wide enough scope to create diverse and distinctive characters. They each have their own unique traits and without seeing any footage of real attendees of each event, the nature of the events themselves gives an impression of the types of people that would attend each one. The type of person attending the Running of The Bulls clearly has to have a sense of humour to put their lives at risk so wantonly for the sake of an adrenaline rush. From a description as minimal as this, it is easy to imagine what the attendees of this event would look like: a wild eyed sprinter springing back and forth fidgeting with anticipation, unable to contain themselves as they wait excitedly for the gates to open. It is also easy to imagine someone on the opposite end of the spectrum for this event, perhaps a friend of the previous character, someone that has been roped into the event through peer pressure. A skinny meek-looking man, wiping the sweat from his brow and running his hands through his hair involuntarily. Perhaps muttering to himself and clenching his fists as he tries to psyche himself up for the race to come but ultimately breathing into a paper bag when he realises the mess he's got himself into. The nature of each event says something about the people attending it whether they are attending it passionately, ironically or begrudgingly because they've been dragged into it. The themes and activities of each event help to shape a picture of the attendees whether its a spandex clad fitness freak running a marathon or a chubby nerd in cosplay at a comic convention. The types of people we imagine are informed by learned stereotypes and are informed on a personal level by our own experiences. Suffice it to say that I have listed these parades as examples as I think they have to best scope for me personally to play around with the character design and to create not just visually interesting but more importantly believable characters. An onlooker should be able to infer what sort of people they are from a glance through the body language, the costuming and even the relationship between the individuals within the group.

From my description of who I assumed would attend the Running of The Bulls you can certainly identify people within this crowd who match my description. The man front and centre matches my first description of the enthusiastic adrenaline junky and on the far left, grimacing over his shoulder, this man could certainly be the nervous friend who was roped into the event, immediately regretting that he agreed to come along.

There is a lot of interesting information about costume and themes within these videos and website as a starting point of this project however the brief is not to simply pick a festival and design 5 characters matching the style of an existing parade. It is to go further and imagine our own festival inspired by the themes and associated themes of these real events.

[studyvisaexpert]

Consult with best Study Abroad consultant in India in 2023

Studies have been somewhat of a tradition as well as a value addition to an Indian family. Earlier education was not given much importance, but in the present time and the coming years the significance is just going to increase twofold. 

What is more appalling is that many Indians are seeking abroad education in some of the noted universities teaching update, new and unique courses which shall shape the future and lend them growth in career, aptitude as well as growth in personality and pay scale.

This is the reason it is ideal to take consultation and assistance from some of the 

Because kids these days are misdirected by peers, so someone needs to provide them the right guidance when it comes to colleges, universities, admissions, what preparations they should already start making as well as give them options to explore from. 

Abroad universities are a mecca for Indian students who have been going there for a very long time. The only difference is that in earlier years, lesser students had the financial support and ability to be able to pay fees for universities abroad, but now the entire situation has flipped. 

Even the best immigration consultants in Delhi have study abroad experience wherein they evaluate and observe and thoroughly go through the profile of the student. What they have done, what are their interests, which disciplines would be best for them. Each of these parameters are studied in a detailed manner for coming up with a list of overseas colleges as well as universities.

Some of the roles by the best study abroad consultant in India are:

Making a wise university choice: When there is an ongoing confusion and also a discussion with friends, family and relatives as to which university to choose students are always baffled with the barrage of options available to them. On the other hand if you have a study abroad guide to wade you through this mess the journey to making a smart university choice becomes easier. The interests of the students are matched with the offerings of the university.

Processing of Admission applications: If there is a problem when it comes to a problem while filling out the complex and full of detailed admission forms, the students can by mistake fill out details which are not required. Your Study abroad consultant helps you in filling out these admission forms as well as even prepare all the financial related documents that are essential.

Documentation Assistors: When you apply for admission there is a list of many documents which are required to be submitted in a particular format. At times, as students can miss some of them it is necessary for someone to have a knowledge of all the latest documents which are demanded by the university for a seamless admission process. Some of these kinds and types of documents such as marksheets, transcripts, SOP, LOR, as well as loan papers need to be put in order.  When you consult from the best immigration consultants in Delhi they keep a record of all of your documents which is essential.

Helping in taking financial decisions: Many times students from India who go abroad are from middle class families which is why they cannot afford the fees of these expensive overseas colleges. Your study abroad consultants because of their tie-ups with the universities know about and advise you about application fee waivers, education loans, as well as all types of financial backing which is necessary for a smooth and seamless education experience. 

Crafting a Statement of Purpose: If you want a honest as well as appealing statement of purpose then take the help of Statement of Purpose or SOP writers who specialize in preparing a personal statement for you as per your aim of taking admission in the abroad university why you want to study here what is your backstory which made them take this decision. 

Following the procedure after the completion: At times it is not enough for the study abroad consultants just to carry out the admission of the student. It is also imperative for them to keep them abreast of all the latest developments and updates regarding any university rules and regulations. Which means that active help is needed by the students in terms of their accommodation, their finance as well lifestyle expenses. 

Study abroad consultants know a great deal about how to make your education a very learning experience as you engage with people from all walks of life and cultures. You come in contact with them, adjust with them, are independent and are exposed to a global platform where you can see your evolution as a student as well as a working professional. These study abroad professionals hand hold you making your own home away from home.

[value-in-investing-blog]

Passive Income Ideas 2023

Offbeat ideas to earn passive income in India.

Passive income is a type of income that requires minimal effort to achieve. It is generated from someone other than an employer or a contractor. Examples of passive income include earning interest on savings, getting cash back or rewards on a credit card, renting out a space, purchasing dividend-paying stocks, and so on. Passive income is often combined with another source of income, such as regular employment or a side job.

Read More: - Types of Investing “Passive income is what I call the money that comes in from any source other than working for somebody else.”

Here are some passive income ideas in India that you can consider:

Rental income from a house or property

Affiliate marketing

Peer-to-peer lending

Dividend-yield stocks

Blogging and YouTube

Social media influencing

Online teaching

Photography and selling stock Photos.

Cash flow from product sales

Royalties

Monetizing a blog

Here are some things to remember while earning passive income:

Consider what kind of upfront investments you can make (think in terms of money, time, and effort).

Determine if you have any skills or knowledge that other people may find helpful.

Think about how you can automate the process of sharing your skills or knowledge.

“The best time, to plant a tree was 20 years ago. The Second best time is today.” 

How much earnings through passive income:

According to the most recent U.S. Census data, about 20% of Americans earn passive income, with those households bringing in about $4,200 per year through these streams, though some earn much more. There really is no cap when it comes to passive income. You could make a few extra dollars a month, a few thousand or a few million. It really boils down to what you’re doing and how successful you are at it. 

A possible conclusion for passive income is: - Passive income is a desirable goal for many people who want to earn money without having to work actively all the time. It can offer various benefits, such as financial independence, personal freedom, and more time for other pursuits. However, passive income is not easy to achieve. It requires careful planning, initial investment, consistent effort, and constant improvement. There are many ways to generate passive income, but not all of them are suitable for everyone. Some of the most common passive income ideas are drop shipping, blogging, podcasting, affiliate marketing, online courses, and e-books. Each of these ideas has its own advantages and disadvantages and requires different skills and resources. Therefore, before choosing a passive income idea, one should do thorough research, evaluate their strengths and weaknesses, and set realistic expectations and goals. Passive income is not a magic solution that will make you rich overnight. It is a long-term process that requires patience, perseverance, and passion.

[calibraint]

Top 10 DeFi Development Companies In India

Top 10 DeFi Development Companies in India

Decentralized finance (DeFi) refers to the shift from traditional centralized financial systems to peer-to-peer decentralized finance systems enabled by blockchain technology.

DeFi allows anyone with an internet connection to access financial services that were previously exclusive to centralized intermediaries.

The DeFi sector has emerged as the most vibrant area within the blockchain space, offering a wide range of applications for individuals, businesses, and developers. It has fostered a vast network of interconnected financial products and protocols, including lending and borrowing platforms, stablecoins, and tokenized BTC. As of October 2022, Ethereum smart contracts had locked approximately $13 billion in value.

Here are the top 10 DeFi development companies in India:

Calibraint - The Leading DeFi Development Company

Calibraint stands out as the foremost DeFi development company, as recognized by experts in the blockchain industry. Their expertise in DeFi development tools and services, such as DeFi smart contracts, DeFi wallets, DeFi tokens, and DeFi staking, is unmatched. This distinction places them at the top of our list for several compelling reasons. With a team of over 100 specialists, they deliver exceptional fintech solutions. Businesses worldwide, including those operating in India and the US, can benefit from Calibraint's comprehensive DeFi solutions.

Experience swift and cost-effective financial transfers without the hassle of credit checks by transforming your traditional banking services. Calibraint offers a unique and reliable platform that facilitates transparent transactions through smart contracts and token development.

Bitdeal - Revolutionizing DeFi Development

Bitdeal simplifies and popularizes DeFi development with their skilled team. As a leading DeFi development company, they offer an open-source Decentralized Finance (DeFi) Protocol, enabling businesses to create transparent, reliable, and highly secure financial applications. Bitdeal takes care of building your DeFi application (dApp) and integrating it seamlessly with your existing business. With over four years of extensive industry experience, Bitdeal can help you bring your DeFi business ambitions to life.

Suffescom Solutions - Excellence in DeFi Development

Suffescom Solutions stands among the best DeFi development companies worldwide. Their exceptional developers possess a high level of expertise in DeFi development services and technologies, including DeFi smart contracts, DeFi wallets, DeFi tokens, DeFi staking, and more. With a workforce of over 500 professionals, Suffescom offers premium fintech solutions. Operating in India and the USA, Suffescom provides DeFi solutions to businesses globally. They adopt a flexible approach to meet customer requirements, and their website and Google reviews attest to their commitment to delivering reliable DeFi projects.

Best Web3 Development - Empowering Businesses with Blockchain and DeFi Solutions

With a presence since 2013, Best Web3 Development Company specializes in creating and implementing over 1200 marketplaces and solutions. As a leading global software development provider, they offer cutting-edge blockchain and DeFi solutions. They are renowned for their expertise as the top DeFi token development company, providing advanced solutions and top-notch IT services. What sets them apart is their commitment to offering free business counseling services to startups and existing firms. Best Web3 Development assists customers in developing unique DeFi software solutions that enhance their business operations. They prioritize transparency in pricing and the development process, ensuring that your DeFi projects receive the utmost attention and quality. Engage their top developers to elevate your project to new heights.

Blockchain App Factory - Specializing in Decentralized Financial Services

Blockchain App Factory excels in providing decentralized financial services as one of their core offerings. Their extensive knowledge and expertise enable them to deliver innovative solutions that prioritize the best security, long-term profitability, sustainability, customer satisfaction, and happiness. With a team of blockchain professionals, they delve into thorough investigation, brainstorming, and ideation to help businesses thrive in the decentralized environment. Their highly qualified and experienced professionals have a track record of success, gained through working with clients from around the globe.

Infograins - A Leading DeFi Development Company

Infograins holds a prominent position on our list as a renowned DeFi development company, backed by a dedicated team of over 100 developers and business consultants. Based in India, they have served more than 150 satisfied customers worldwide, specializing in the most challenging areas of development amidst growing trends. Alongside their expertise in IoT, cloud services, VR, and AI, Infograins offers comprehensive DeFi services such as DeFi smart contract development and dApp development. They bring together the right skills, talents, and cutting-edge technology to push boundaries and meet the requirements and expectations of their clients.

Capital Numbers - Transforming Businesses with DeFi Development Services

Capital Numbers is a well-established IT company, widely recognized as a top provider of DeFi development services. Their expertise lies in leveraging the latest technologies to revolutionize their clients' businesses. They offer unparalleled support for entering the finance sector and focusing on decentralized app development. By displacing traditional financial methods, their blockchain solutions assist clients in acquiring a substantial customer base. Business owners can harness the advantages of DeFi networks to seize market opportunities, all with the guidance and support of Capital Numbers.

Pyramidion Solutions - Unleashing the Potential of DeFi

Pyramidion Solutions, a trusted decentralized finance development company, boasts over 9 years of experience in web and app development. They provide the best blockchain and DeFi solutions, enabling clients to hold and exchange tokens seamlessly within their network. As the DeFi economy evolves, Pyramidion Solutions remains at the forefront, employing cutting-edge technological techniques. Recognized as the leading DeFi yield farming development company, they deliver top-notch solutions to their clients, empowering them to thrive in the decentralized financial landscape.

Vrinsoft Technology - Empowering Clients with Exceptional Blockchain Development Services

Vrinsoft Technology is a leading blockchain development company dedicated to prioritizing client needs throughout the development process. By harnessing the latest technology and cutting-edge tools, they deliver the finest DeFi solutions to their clients. From small startups to large corporations, Vrinsoft Technology's state-of-the-art technological advancements benefit businesses of all sizes. With scalable solutions and top-notch service, they ensure that client requirements are met with utmost satisfaction. Leveraging their deep understanding of blockchain technology, expertise in fintech, and flexible development approach, they craft exceptional software solutions that surpass expectations.

[moneyplanttradingacademy]

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[theherohaven]

— NARUTO CHARACTERS IN A MODERN HIGH SCHOOL!

FEATURING naruto, sasuke, sakura

naruto uzumaki

dumbass / sporty / impulsive / kind-hearted

⇒ dumbass

not everyone with low grades is necessarily stupid, but oh boy does naruto take the cake

he has the most appalling handwriting and spelling (it’s strangely endearing)

unsurprisingly, naruto has the lowest grades in the whole goddamn school, he’s never handed in a piece of homework, he can’t understand the simplest of concepts—he drives his teachers crazy

sometimes they don’t even know if he’s joking, or perhaps, they hope he is joking. (“is india a continent?” “say sike right now…”)

naruto is miraculously able to scrape by his exams and tests with the help of some divine being (her name is sakura and she has a bendy ruler and a lot of rage) so it’s not a huge problem… yet

however, that doesn’t stop him from staring with his mouth agape every time letters are introduced in maths (it’s called ALGEBRA, naruto!)

⇒ sporty

naruto is definitely only in this private school on a sports scholarship—probably athletics, cos this kid’s got crazy stamina!

the ace in every sports club: martial arts, cross country, basketball, football, rugby, swimming, volleyball etc. you name it, he plays it!

you don’t want to be on the opposite team to him in P.E, especially not in dodgeball… yikes. naruto has definitely broken a guy’s arm before completely on accident. it was kinda cool, though

girls and guys alike ogle at him working out. enough said.

naruto has this homoerotic sports rivalry going on with sasuke—they have these really dramatic stare-downs and they’re just playing like,,, tennis or smth 😭 pls relax guys it’s just a game

⇒ impulsive

detention is practically naruto’s second home, but that’s not because he’s a bad person or anything—he just can’t control himself sometimes

most of the time it’s small things: slacking off boring classes, some harmless pranks, getting overly competitive with his friends… and even the more serious stuff the teachers find themselves agreeing with

apart from that one time when he thought it would be a great idea to play something he called “lacrosse frisbee” outside tsunade’s office… suffice to say he’s no longer allowed near windows unsupervised

⇒ kind-hearted

despite his many flaws and misdemeanours, naruto’s silly personality makes him quite popular!

his genuine kindness and sincerity inspires true friendship and loyalty in his peers, earning him a place in pretty much every clique in the school :)

his almost accidental empathy allows him to help people with their problems where everyone comes out with a positive take! he’s such a sweet boy <3 the world doesn’t deserve him

sasuke uchiha

“bad boy” / power-hungry / anti-social /

⇒ “bad boy”

sasuke’s terrifying presence and moral ambiguity lends to his “bad boy” demeanour—he’s silently vicious and threatening and you’ll hear all sorts of scary rumours about him

he sort of saunters through the hallways in his pristine blazer and spotless shirt with his hands in his pockets and everyone always goes a little bit quiet at the sight of him

sasuke won’t go out of his way to stir up trouble, but he’s ruthless when someone gets in his way. he’s not afraid to use nasty words to get what he wants (sometimes he’ll spit out a deadly comment in class and the teacher will have to leave the room for a moment)

the scariest part about sasuke’s misdoings is that he never does anything rule-breaking- in order to surpass itachi he can’t get expelled, so he finds these dastardly loopholes in the school rules and exploits them to no end

⇒ power-hungry

even in a school setting sasuke is relentlessly power-hungry—he always wants to be the best and most influential. he definitely wants to go to law school and be the one to prosecute itachi to his grave!

he gets the highest grades as a result and he’s always a tad snooty about it too—but no matter how well he does in tests he’s never satisfied 😞

especially if anyone did better than him (looking at you, shikamaru)

he uses his achievements as an excuse to look down on classmates like an ass, but he will occasionally give nods of approval to those he deems worthy

he has a very expensive fountain pen and will hiss if you go near it

⇒ anti-social

sasuke absolutely despises most people. especially the annoying sweaty teenagers he is constantly surrounded by

despite being high-strung and scary and a massive dickhead sasuke is really popular and he hates it 😭 he gets so much female attention and he just FUMES

he likes to spend time in the school grounds when he can escape whatever group of people wants to “fix” him that day—the school often has a cheeky little visitor: a ragdoll cat called mushu who wholly owns sasuke’s heart. they are the best of friends! :)

sakura haruno

teacher’s pet / fearsome / sweet

⇒ teacher’s pet

this isn’t because she’s a suck-up or anything, her hard-working, methodical nature just makes teachers like and trust her!

she is tsunade’s apprentice of sorts, she works part-time as her lab assistant! having her headmistress also be her boss is pretty scary (but she manages just fine)

sakura doesn’t get top grades but her scores are certainly excellent—she may not be a “natural genius” like shikamaru or kakashi but her hard work earns her extra merit in class!

when she was in year 7 (6th grade) she was a HUGE suck-up and the most annoying boot-licker in existence—current sakura looks at her past self and cringes. she’s much more pragmatic and sensible now!

you can find her studying earnestly in the library lmao (when she’s not beating up naruto or sai!)

⇒ fearsome

from annoying teacher’s pet to herculean future med student? that’s sure an… impressive journey of self-development

sakura’s the school’s boxing champion! it’s very scary! she’s very scary! and also kind of hot! made a lot of girls question their sexuality! yeah!

it’s every students’ morning entertainment to watch sakura chase naruto down the halls after catching him spying on the girls’ swim team (though they quake in fear at the thought of being on the receiving end of such treatment)

she’s not a huge fan of sports but she starts for the netball team! just can’t let that incredible strength and agility go to waste :)

call her ugly and she’ll beat you to a pulp!

⇒ sweet

cw // mention of periods

sakura is very mild and gentle towards younger years, they all look up to her and go to her for advice! (she essentially has a little army of demonic children who’ll do whatever she says!)

she tutors a lot of people too (since people caught wind of how she saved naruto’s grades and if you can help him, you can help anyone)

though she tutors for free she can be very scary when you slack off

there’s an empty locker next to hers which she regularly stocks up with period products—pads, tampons, sweets, whatever the uterus-havers need!

all around the best student ever!

like for a part 2!

theherohaven 4 / 9 / 21

[lostinfic]

prompt 20, any rating, tenrose!

Ten x Rose; rated G; autumn fluff and mutual pining, not an AU!

previous prompts!

//

The Doctor opened the TARDIS doors with a grin and a flourish.

“New Amsterdam! Established by the Dutch West India Company in 1624.”

Rose tried not to laugh. “Are you sure this isn’t New new new new new new new Amsterdam?”

The Doctor peered outside. The narrow brown houses with decorative gables lining the river looked old, but the boats passing by were decidedly modern.

He rubbed the back of his neck. “Ah. Just Amsterdam, then.”

“It’s new to me,” she said, both to make the Doctor feel better about landing in the wrong place and because she had always wanted to visit the Netherlands. She wondered sometimes if the TARDIS had access to her mental bucket list.

Rose traded her rough woolen dress and white cap for denim dungarees and a striped, long-sleeve, t-shirt.

It was a beautiful autumn day, just on the right side of cool. A breeze stirred the branches of leafy elms and poplars, dotting the water with golden leaves.

The Doctor and Rose rented bikes and decided to follow the Amstel River. It was a nice change of pace, to pedal rather than run.

There, amongst tourists and commuters, amongst ringing bells and chatter, Rose imagined herself and the Doctor going about their daily lives in Amsterdam. Riding their bikes to work, stopping for Stroopwafel and produce in Albert Cuyp market, perhaps that café with the second-hand English bookstore would be their favourite. She imagined a tiny flat looking over the canals, notebooks piled on the windowsill, a grey cat lounging on them, the scent of geranium drifting in from the flower boxes.

She’d been having these kind of thoughts more and more since the Doctor had regenerated. At first, she thought they were daydreams, but they had an odd déjà vu quality. She disliked thinking of them as visions, but that’s the best word she could come up with. Was it a coincidence they started after she’d absorbed the heart of the TARDIS?

“Rose?”

The Doctor’s forehead was wrinkled with worry. She’d lost track of where they were— they’d stopped on a bridge. A glass-roofed cruise boat glided underneath.

She had yet to tell the Doctor about her visions. She feared his reaction if he thought she longed for a banal, domestic life with him.

“I thought I saw something in the water,” she lied.

“Oh, not again,” the Doctor said.

“What?”

He leaned over the railing, sonic screwdriver pointed toward the canal.

“Last time I was here, there were spaceships in Rembrandt’s paintings, and we had to pop back to the 17th century. Let me tell you, Rembrandt may be a master painter, but he’s not a master warrior. He was useless. We fought off the Nix all on our own.”

“We? You and Sarah Jane?” she asked.

“Tegan and Nyssa,” he said offhandedly, still observing the canal. Then, remembering his resolution to be more forthcoming about his past, “I’ll tell you about them later. I will. What did it look like, the thing you saw in the water?”

“You know, I think it was just a duck. My brain is too used to seeing weird stuff when I’m with you.”

He chuckled.

“Well, if you see any goblin-like creatures coming out of the water, let me know, the Nix might be at it again.”

“Will do.” She smiled.

The Doctor took Rose’s hand and gave it a light squeeze. For a moment he looked like he was going to say something important, and an image of him in a blue suit flashed through her mind.

“I think Amstelpark is that way,” was all he said.

In the park, the cycling pace was slower. They followed the path parallel to the river. Families enjoyed the playground and mini-golf and groups of students relaxed in the café near the pond. But as they traveled southward, the crowd thinned and the landscape turned bucolic. Tall grass shimmered with slanted autumn light, insects buzzed in wildflowers, and an old-fashioned windmill turned lazily.

The Doctor and Rose stopped and sat on the riverbank. From his trans-dimensional pockets, he pulled a bottle of water for her. A light mist skated above the water, lending the landscape a hazy quality reminiscent of Rembrandt’s art.

The last time they’d lain in the grass was on New Earth, bubbling with nervousness and getting reacquainted. And just like then, they were babbling and joking, reminiscing, but with a level of comfort they didn’t have on New Earth. And yet, they were still holding back with half-finished sentences, furtive glances and hesitant touches. When he reclined fully, arms behind his head, the desire to cuddle up to him and lay her head on his chest was so strong, she had to pinch herself to a bruise. And Rose was relieved when a goblin-like creature emerged from the river.

—

The grey cat isn’t theirs, but their neighbour’s. His name is Felix, and he has quite the talent for walking the ledge between open windows and making himself at home in everybody’s flat.

Those notebooks are filled with information about a mysterious corporation they are chasing around the globe. For now, the Doctor works at the science museum while Rose investigates underground tunnels with her team.

Life with her one-hearted Doctor is far from banal, but there are days when Rose plants geranium in flower boxes, mornings when they sit for hours in their friend Joan’s café. And there are sunny fall afternoons when they lounge in Amstelpark, eating freshly-baked Stroopwafel, crispy and oozing caramel.

A drop lands on the Doctor’s chin, and Rose wipes it off with her thumb, and he kisses her, caramel-sweet. It’s so easy, so natural.

“Do you remember when we fought the Nix here,” he says.

“I remember the look on the emperor’s face when he realized you were the same man who’d once defeated him.”

They mimic the emperor’s expression of surprise and frustration-- though it’s hard to replicate with only two eyes-- and burst out laughing.

Rose thinks she’ll plant tulip bulbs in the flower boxes. In the spring, they’ll bloom. She’ll open the windows and their fragrance will waft in, melting snow will drip from the roof, and Felix will visit, and they will cuddle up in bed, again and again. Such is life when time always flows forward, linear, but ever changing through the seasons, like the canals of Amsterdam.

[brennbilliemartin]

Week 8 Crowdsourcing & Crowdfunding

So What is Crowdsourcing & Crowdfunding?

We first have to see what both of these words mean in order to fully understand what it is.

What is Crowdsourcing?

Hargrave (2021), has stated that crowdsourcing is the process of gathering work, details, or viewpoints from a significant number of people through the Internet, social media, or mobile apps. Crowdsourcing participants serve as paying freelancers in some cases, while others perform small tasks for free. Traffic applications, for example, allow drivers to monitor collisions and other road incidents so that app users can get real-time updates (Hargrave 2021). Crowdsourcing helps businesses to contract out jobs to people across the country or the world, allowing them to tap into a diverse set of skills and experience without having to incur the huge expense associated with hiring in-house workers (Hargrave 2021). Crowdsourcing is very interesting because it helps a company to grow by letting society or consumer join and contribute to the specific company.

Example of Crowdsourcing

One example of crowdsourcing was by McDonalds. McDonald's decided to give their customers free rein in 2014, allowing them to send ideas for new burgers they'd like to see in stores. They could design their ideal burgers online and have the rest of the country vote on which ones were the best. McDonald's launched the burgers weekly after the winners were announced, along with an image and brief bio of the winner (Kearns 2015).

What is Crowdfunding?

The use of small sums of money from many people to finance a new business venture is known as crowdfunding. Crowdfunding uses social media and crowdfunding platforms to link investors and entrepreneurs, with the opportunity to add entrepreneurship by widening the number of investors well beyond the conventional circle of founders, families, and venture capitalists (Smith 2021).

There are 4 types of crowdfunding namely donation, reward, debt, and equity crowdfunding. Firstly, donation crowdfunding is where we take your product, service, or storey to the people and ask them to contribute everything they can to your cause. They do so without expecting anything in return and out of a genuine desire to help others (Robbins 2021). Most crowdfunding on social media is more focused on collecting funds for a charity. Secondly, reward-based crowdfunding is another type of crowdfunding. Robbins (2021) stated that reward-based crowdfunding is where we are asking for the same sum of money from the same number of people, but in return for that money, you're giving them rewards. Thirdly, Debt crowdfunding has the appearance of a loan. It is a form of loan obtained from a group of people rather than from a single individual or a bank. Debt crowdfunding, also known as peer-to-peer lending, allows you to repay the loan or a part of each loan plus interest (Robbins 2021). Lastly, equity crowdfunding is just what it sounds like: investors fund your product, service, or business via a website, but instead of a loan, they obtain a percentage of your company (Robbins 2021).

Example of Crowdfunding

An example of crowdfunding is the ‘Give BACk Fundraisers - Save Lives in India’. This is an incentive by BAC Education. They are helping UNICEF in raising funds for medical equipment, personal protective equipment, sanitation products, and emergency care for those in need (Malaysiakini 2021). From what we can see on social media recently, the situation in India currently is very devastating. Thus, a donation crowdfunding campaign has been launched by BAC Education to help UNICEF collect funds.

References

Hargrave, M 2021, How Crowdsourcing Works, viewed 1 May 2021, <https://www.investopedia.com/terms/c/crowdsourcing.asp>.

Kearns, K 2015, 9 Great Examples of Crowdsourcing in the Age of Empowered Consumers - Tweak Your Biz, viewed 1May 2021, <https://tweakyourbiz.com/marketing/9-great-examples-crowdsourcing-age-empowered-consumers>.

Malaysiakini 2021, Give BACk Fundraisers - Save Lives in India, viewed 1 May 2021, <https://www.malaysiakini.com/announcement/572866>.

Robbins, T 2021, What is Crowdfunding? Definition, Examples & More | Tony Robbins, viewed 1 May 2021, <https://www.tonyrobbins.com/business/what-is-crowdfunding/>.

Smith, T 2021, Crowdfunding, viewed 1 May 2021, <https://www.investopedia.com/terms/c/crowdfunding.asp>.

[marysfoxmask]

“the secret garden” (2020) review

(warning: spoilers!)

just watched the latest adaptation again! i wanted to see it a second time to really get my thoughts and feelings together. and, while i think it was a good effort, ultimately i was disappointed. my instincts when i first saw the trailer were more or less correct—really vibrant, flashy visuals ultimately subtract from the low-key nature of the book. when adapting a story about realizing the magic in mundanity, realizing the magic inherent to the turning of the seasons and the growing of plants that we usually take for granted, it’s monumentally better to prioritize realism over fantasy.

mary’s character was served the best by the new film, though sadly that isn’t saying too much. while i understood that this mary would be different from her book counterpart, i definitely felt the original’s absence more than i would have liked. the mary of this film is just too well-adjusted, to the point where her arc is less about a spiritually stunted, completely neglected child becoming healthy and whole through the power of nature and socialization (as it is in the novel) and more about a vaguely troubled child apologizing to the specter of her late mother for feeling badly about being neglected, which is essentially the opposite of what burnett was getting at.

was anyone pining for a mrs. lennox redemption story? the same woman who, as per the book, never wanted a child and only cared about going to parties? i’ll forever be baffled by people being more invested in the adults and their ponderous backstories rather than the emotional development of the child protagonists; this film seems a lot more interested in the impact of the deaths of mary and colin’s mothers, to a bizarre degree. “grace” craven (really? was “lilias” not good enough?) and her sister (this and the 1993 film both depart from the book, where mary’s father is related to lilias, in favor of making mrs. lennox and mrs. craven twins—a decision i’m confused by in terms of thematic relevance on both accounts) are never characterized more than being essentially the angels of misselthwaite. they float by, laughing gaily, dressed in white, at points during the film. they are bittersweet representations of the idealized past and, at one point, guardians of their loved ones left behind.

i’ve never enjoyed the romanticization of lilias craven in any adaptation. mary calls the fairytale trope of beautiful princesses falling asleep in a garden for a hundred years stupid in the novel; and what is lilias but a princess eternally sleeping in her beloved garden? she’s beautiful and innocent and good and thoroughly uninteresting. she’s the angel of the house, embarrassingly dated compared to her imperfect, misfit niece, who is coming awake and growing healthy while lilias is frozen in amber, a beautiful idealized figure even in death. the interest in her in this film, the broadway musical—and even the 1993 movie, to an extent—seems to completely contradict the point of the novel, fetishizing the past and resisting lending enough focus to the events of the present. mary is a spunky, interesting, flawed heroine who doesn’t need to share the spotlight with any angels of the manor; the story of the secret garden is one about healing from trauma, not wallowing in it.

that isn’t even touching on the decision to have mrs. lennox be an apparently good person brought low by depression following her beloved twin’s death. i find this adaptive choice to be positively loathsome. mrs. lennox, as a character, is a bad mother and a silly, foolish person, point blank, period. she hands baby mary off to an ayah the moment she’s born, keeps her isolated and locked up, and insists that the ayah keep mary quiet lest “the mem sahib” become angry. when given the chance of evacuating due to the cholera epidemic raging, she instead stays in order to go to a party. she’s a frivolous character whose superficial prioritization of amusement leads directly to her death. she doesn’t need a sympathetic reason to be neglectful to mary; she doesn’t need to be sympathetic at all. the decision to make that a priority in this latest adaptation hurts mary’s character. when she tells her uncle that it was too hot to play in india (a sentiment taken directly from the novel), it doesn’t ring true—in the multiple flashbacks to india, mary plays a lot with her loving father (her ayah, while mentioned, is rarely seen; what we see of india is populated entirely by privileged whites), and is shown to enjoy herself tremendously until she glimpses her mother wilting sadly on a cushion or something. it undermines what little development mary has in the film. 

the prioritization of mary and colin's mothers in general make the film feel weirdly overstuffed while giving little weight/emphasis to the events present in the source material. how many lines did major secondary characters like dickon or martha have, for example, compared to all the waffling mary and colin do about whether or not their mothers loved them and whether mary really killed her mother or not they, at the end of the day, really knew their parents, et cetera, et cetera? it’s a frustratingly shallow addition to the original story, devoid of thematic relevance.

speaking of shallow additions…

hector, a stray dog, assumes the role of the book’s robin (bizarre, considering the robin is also present), being the friendly animal character that leads mary to the secret garden. i’m not sure why the decision to add hector was made; he’s also the catalyst for mary leading dickon to the garden, while she needed no such thing in the book. did marc munden feel kids wouldn’t sympathize so readily with mary befriending a bird, despite the success of all the other adaptations saying otherwise? hector gets a lot of attention in the film, which is frustrating, because so much of the movie is filled with strange original additions that say little. 

despite the clear talent of the actors and the vividness of the visuals, the changes to the story are devoid of purpose. the time period, for instance—why 1947? why have mary’s orphaning take place during the partition of india when her parents die of cholera anyway? why make martha and dickon black when the script pussyfoots around it, refusing to interact with that aspect of their characters in the same way burnett directly (if somewhat tactlessly) interacts with their poverty? save for vague, implicatory dialogue, like the threat of having poor dickon whipped if he’s sighted in misselthwaite by mrs. medlock, the racism of the time period isn’t featured at all. martha is stripped of any characterization at all, her cheerfulness diluted to the point of being nonexistent once mary gets a bit snappy. perhaps the decision to mute martha’s characterization was made out of fear of the implications of a black maid being cheerfully nurturing to a white girl despite her cruelty (invoking the mammy stereotype)—but if so, why make the decision to change martha’s race at all?

the structure of the film is odd, too. mary meets colin early on (in the book, mary explicitly states that she’d hate the imperious and bratty colin if she hadn’t met kindly martha or dickon first) and doesn’t meet dickon until halfway through. why? it directly contradicts the novel for no particular reason; it doesn’t help that dickon is so underused that he’s virtually a non-entity, his three whole canonical character traits (poor! happy! in tune with nature!) watered down to nothing. In this film, dickon isn’t particularly happy (he’s just as solemn and damaged as the other two kids, though in a more subdued way, as his father has died in the war—it’s frustrating that his rich white peers get to air their mommy issues at length while poor dickon’s grief is only glanced at) and his skill with animals is only vaguely alluded to. his skill with plants, negated by the apparent flourishing of the secret garden even when no one’s looking after it, is only brought up when, in one scene taking place in the garden, colin asks dickon what certain plants are.

it’s also frustrating that dickon, the only poor and nonwhite character in the trio, is the only one doing only actual gardening work while his friends sit around and talk about their trauma. the whole time, i wanted to urge mary to stop indulging in her overactive imagination for once and pull some weeds or something. putting in the work to make her secret garden flourish is an important part of her growth in the book, but that’s entirely absent here in favor of the occasional frolic. dickon even eventually whittles colin a cane he uses to eventually stumble into his father’s arms. this gesture should be touching and evident of the strength of the boys’ (offscreen) bond but instead is only another example of dickon selflessly and thoughtlessly serving his betters, making the classist implications of burnett’s original story more obviously troubling by adding race into the mix. it’s also bizarre that mary can cartwheel but dickon can’t, given how physically adept he was in the book. poor dickon is sapped of all his accomplishments, it seems. his character is completely glossed over, though i do like his feistiness in his meeting with mary, with him coming out of the mist and sharply remarking that martha loves him much more than she likes her. even more sadly, unlike his ‘93 counterpart, he doesn’t even get to eat a worm.

mrs. medlock is one-notedly antagonistic, being hard-nosed and strict and disapproving of mary’s wild ways—which is also disappointing. she’s not outright villainous, but she’s denied the shades of sympathy allowed her by the original novel, where she was a straightforward, unsentimental woman working a thankless job trying to satisfy and care for a tyrannical little hypochondriac. she’s also probably the closest thing we have in the movie to a xenophobe/racist, frequently making coded comments about the primitive and savage nature of the english colonies in india where mary grew up, but that’s only ever hinted at without being called out by mary or anyone else. there’s also an odd moment at the beginning of the film where mrs. medlock states the book-accurate sentiment that nothing lives on the moor but wild ponies and sheep, yet mary sees in the mist multiple shadowy figures with what i think are wheelbarrows and gardening tools (it’s a bit hard to tell with all the mist). this probably is meant to clue mary in to medlock’s classism, foreshadowing that mary will be given insight to the outdoors and different people in a way medlock could never be, changing her views of the class hierarchy she’s been inundated by—i’m not sure what else can be gleaned by the contradiction of medlock’s words and what mary sees but that—but nothing is done with it. we never see anyone on the moor but dickon throughout the rest of the movie. it’s another missed opportunity. maybe it’s meant to set up that there are poachers on the moor who set traps, like the one hector is hurt by? after seeing the movie twice, i’m still not sure what the purpose of that imagery was.

there are parts of the film i enjoyed! all the children do wonderfully in their roles (amir wilson does well with what frustratingly little he has), and i enjoyed this film’s characterization of colin as somewhat stiff, with a practiced, affected way of speaking that subtly indicates that he’s spent more time with books than with people. it makes a nice contrast to mary’s plainspokenness as a (relatively classless) orphan and dickon’s “rough” (lower-class) yorkshire accent, showing off his education and status as an upper-class boy. 

the scene just before mary shows colin the tree his mother died beneath, when colin asks dickon about the names of flowers, is very sweet and book-accurate; i especially appreciate the nod to the kids’ book mastery of yorkshire, with colin mimicking dickon’s speech and noting that the names of the flowers sound better in his accent. 

i also loved him calling dickon handsome. it is socially awkward? yes. does it make sense for colin to be socially awkward? also yes. and it’s adorable and book-accurate, in my opinion; if dickon weren’t so homely in the book, i imagine colin would call him handsome there, too. and mary proudly stating that dickon can whistle, as well, is lovely.

similarly, mary and dickon teaching colin to swim is very sweet—while i found most of the garden’s cgi magic wholly dispensable, i did enjoy the plants shivering along with colin. that sort of playfulness felt very attuned to the innocence of the book. 

edan hayhurst does a wonderful job playing colin haughty and upset and an equally lovely job playing colin giddy and happy—if only he’d been allowed to really show off his screaming in a proper adaptation of his hysterics, instead of the pale imitation we got in the film!

it’s funny to note how much these kids get enjoyment out of pretending to be dogs. mary barks at hector when she first makes friends with him, pretends to be a yorkshire terrier with dickon when hector gets well in the garden, all the kids start barking when playing together, mary recites in a letter that colin pretended to be a dog all day...these kids sure love to bark. it’s not a bad thing, necessarily, just funny. why the dog obsession, marc munden? though i like the idea of them pretending to be animals (the masks they wear at one point are lovely), dogs feel a very typical choice. still, i can’t help but get enjoyment out of the kids playing together, though these moments are sadly brief. 

i also really enjoyed all of mary’s outfits. they were adorable. if only we could have gotten more interactions between the children! part of the beauty of the second half of the novel is just watching the kids be kids in the garden; we rarely get that in all of the adaptations, of course, but in this one i was particularly sorrowful, given all the new directions the story went and how none of them directly impacted the children’s friendship with each other. there wasn’t even the mild jealousy colin has over mary spending more time with dickon than she is with him, which is present in most of the films. it’s a real shame; colin doesn’t even know dickon exists until he meets him, in a hurried scene that doesn’t remotely convey the sweetness of their meeting in the novel. the movie flits over all the book’s little idyllic joys in favor of its own original drama (which is not nearly as compelling as the movie thinks it is).

i did also enjoy the ending scene, with the kids swimming together, and mary attempting to tell a story with colin and dickon interrupting. it’s nice to see an ending to this story that doesn’t follow the book, which forgets mary and dickon in favor of colin. i think ending with the kids playing happy and whole in the garden is much more representative of the book’s charms. and the scene where mary and dickon first enter misselthwaite and are giving all-clear signs to one another as they go is fun, too.

i also enjoyed the set design, including all the green present in misselthwaite’s decor. i loved the high ceilings and the bareness of mary’s bedroom. poor colin still didn’t have any proper pajamas, reduced to wearing a white tank top for some reason, though i liked his goofy little hat that he wears when going outdoors. i wish we got to spend more time in colin’s room, and i wish the color saturation had been toned down a little just so we could get a better look at everything. all the insistent gloomy blues felt a bit overbearing. 

i love the opening credits, though, and “the secret garden” slowly appearing in the title screen. the music and the soft green of the trees against the words really conjure up the novel’s near-pagan melancholy and mystery.

the less said about the third act climax of misselthwaite burning down, the better. it’s unneeded and resolves a film-only subplot about mary’s mother that didn’t need to be there in the first place. i think it also unfairly paints misselthwaite as a cursed, doomed place that can only benefit its inhabitants by being destroyed, which is unfortunate. misselthwaite wasn’t the problem, its people was, and they only thought misselthwaite was gloomy because they’d made it so. if they’d followed the teachings of burnett’s book, the one they were adapting, and thought a little more positively about it, then maybe they’d find it wasn’t such a terrible place to be. but, then, i guess we wouldn’t have the third act climax to artificially ramp up the stakes. how sad.

i could say more, but i’ll stop for now. i appreciate the effort, like i said, but i can’t help but feel this missed the mark.