September 28, 2020
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Lifestyle

Website Link : https://thespeaktoday.com/ Mr. Sachin Mehta “Shaleen” : Motivational Speaker & Poet
Headline : ‘To Grow in Life and to be Successful, Understand yourself and other Attitude…’Mr. Sachin Mehta Motivational Speaker explained the Giver, Taker and Matcher

Description : Motivational Speaker, Life Coach & Poet Mr. Sachin Mehta has been helping Youth to get right direction in Life. 32 years old Motivational Speaker Mr. Sachin Mehta has more than Ten Thousands of Followers on his Facebook.
Bhiwani Pariwar Maithri Sang(BPMS) President Rajesh Chetan has Invited Motivational Speaker Mr. Sachin Mehta in a program Pustak Prabhat organized by BPMS. Mr. Sachin Mehta talked about the Book GIVE and TAKE written by Adam Grant. The Video of the program was Viral on YouTube and has been seen by thousand of viewers.

Mr. Sachin Mehta explained very nicely about the Three type of people’s behaviour. Mr. Sachin Mehta explain very well about Givers, Takers and Matchers. Firstly, Mr. Sachin Mehta said, to achieve success in life the Three most important things are Motivation, Ability and Opportunity and which can be achieved with Hardwork, Talent and Luck.

Motivational Speaker Mr. Sachin Mehta the said, we daily meet with number of people and everyone has their own thinking and different attitude. Firstly, he explained who Takers are : Those who believes in getting more than they give and put their own goals above other’s need. Takers Praise themselves and take full credit of their work.

Mr. Sachin Mehta said, On the other side Givers are those, who are always ready to help other, gives more than they get and believes in sharing their credit with others and then he explained about Matchers, those people who calculate before giving help to others. Matchers firstly thinks, if they are helping some one, what they can get in reverse. They help other with an expectation from others to get more support and benefits in reverse.

Motivational Speaker Mr. Sachin Mehta then discussed about Success Ladder, he said as per survey to find who are on top of success ladder, whether it’s Taker, Giver or Matcher. The result of survey was Takers and Matchers are always in Middle of the success ladder and Givers are on Top of Success ladder and Givers are on Bottom of Success Ladder.

Mr. Sachin Mehta, then explained that, there are Two type of Givers. One those are on Top of Success Ladder and others, those are on Bottom of Success Ladder. Two Givers are : Selfless Givers and Otherish Givers. Selfless givers are self sacrificing Givers, who completely cares about others and don’t take care for self interest at all. That is the reason Self Sacrificing Givers are on bottom of Success Ladder.

Second are the Otherish Givers, who are on the Top of Success Ladder. Otherish Givers are the Successful Givers and they are high Performance Givers. Otherish Givers helps other people and also concerns for self interest as well along with other’s interest.

Mr. Sachin Mehta then explained, to become Successful in Life, we must become Otherish Givers and how to become Otherish Givers? He said, we must do three things. Which are : Help others, Give Advice and Share Credits. Mr. Sachin Mehta emphasize that we must help others in their need and whenever other seek our Advice, we must give good advice which is beneficial for others and above all we must Share credit of our Success with others.

Subscribe Mr. Sachin Mehta on YouTube : https://www.youtube.com/channel/UCC3x8ua6sGDQKdNPoAirnOQ
Follow Mr. Sachin Mehta on Facebook : https://www.facebook.com/SachinMehtaMotivationalSpeaker

Lifestyle

by Interior Designer Punam Kalra 

Creative Director of I’m the Centre for Applied Arts

The line between plain functional forms and artwork is slowly blurring, as is any fixed notion of interior spaces. The focus now is on experimenting with interior styles that are natural, familiar, and have a bold streak of personality to create multifunctional and fluid spaces. Well-designed interiors provide an opportunity for experimentation with innovative materials, forms, and patterns, to create a bold, chic, and welcoming space.

The easiest way to make a space look larger and stylish is to declutter the excess and organize the existing décor. Investing in good multipurpose furniture helps keep a neat and orderly space, enhancing the visual appeal and keeping it user friendly. Options with charging ports, hidden storage, and adaptable parts that can be repurposed, are easy to handle in multipurpose homes and open office layouts.

The smaller, floating storage can be smartly grouped, labeled if needed, and arranged using space organizers, boxes, and baskets.A change in the existing furniture layout can be helpful while renovating the interiors. Open plans with a fluid public and semi-private zones create an easy flow while maximizing comfortable seating that can be used with visual buffers for privacy in an office. Good ventilation and natural lighting ensure a reduced dependence on passive lighting while creating natural focal backdrops framing the city skylines.

Using natural and handmade cosmopolitan accessories creates a more conscious, gracious, joyful and serene space that spreads love, hope, and inspiration. We have been reminded that our lifestyle is nothing but an ode to nature, and hence it’s essential to embrace the green movement, shifting our focus to biophilia, natural forms inspired furniture, indoor plants and easy to recycle elements like wood, vegetable fiber, jute, sisal, hemp, stone, metal, and terracotta.

Highlight furniture in natural materials paired along with accessories made in pottery, macramé, rattan, and wicker adds a beautiful and effortless charm to space. Existing furniture can also be reclaimed through the skillful use of lines, forms, and artwork creating a quaint and luxurious space. Relaxed furniture and upcycled experimental accessories, in a combination of modern biosynthetic and recyclable materials, radiate an affable, ultra-modern vibe.

A mix of modern aesthetic planters, and recycled household items like old ceramics and glass jars, can be upcycled to create an interesting plant space. Huge corner planters and tall planters are a calm and lively highlight, while smaller succulents and bonsai plants make the space look classy and delicate. Simple vases with fresh flowers, along with lamps, poufs, ottomans, benches, bean bags, coffee tables, and artwork add a dreamier, charming, cozy, and relaxing look. Grouping similar objects in clusters of three further create a natural symmetry and a sense of luxury within the space.

Colors and textures also make a huge difference in the perception of a space. Bold and dramatic, or soft and understated, or an eccentric mix of the two; the freshly colored walls, ceilings, and furniture immediately make the interiors look new and suave. The Pantone Colour of the year, Classic Blue, paired with earthy and neutral tones, highlighted with bolder shades like orange and terracotta create an elegant and artistic ambiance. Pastel and muted shades of pink, green, and lilac give the space a hint of cheery pop and modern vintage glamour.

Adding deep forest tones to the upcycled furniture create a fresh natural look. Nature-inspired motifs and vivid colors like mauve, black, purple, and yellow in wallpapers, tiles, and statement accessories create a vibrant interior.A combination of various patterns, textures and colors within a space add depth to the interiors, creating an interesting and distinctive ambiance. These can be added through upholstery in natural fabrics like linen and silk, or through bamboo mats, woven rugs, wallpaper, photographs, memorabilia and big artwork, used as feature walls, wall art, statement ceiling finishes, and installations.

A wide assortment of forms, colors, textures, and patterns, along with a healthy dose of neutrals and wood, colors, and highlight accessories create a clean, simple and elegant design.The addition of soft curves and solid, rounded, irregular shapes, along with sharper geometric shapes, brings a subtle play of curves and aesthetic symmetry. This can be done through highlight furniture, pillows, fabric prints, modern artwork, contemporary accessories, and statement lighting.

Curvilinear furniture with bold curves like scallop-shaped furniture gives space a heartfelt contemporary ambiance, while irregular, organically shaped pieces of furniture and accessories add a wonderful character to space. Minimal, organic, geometric, metallic, printed or colorful, obscure shaped lighting in bright colors, bold forms, and varying sizes, can tie the entire room together while creating a calm, dreamlike ambiance.

Bringing in the decorative glory of maximalism with an understated expression, subtle metallic details in rose gold, copper, steel, tin, and brass, with delicate surface finishing like patina, rust, mercury glass, give a raw and intimate textural feel to the décor. These details can be added in the form of discreet upholstery patterns, luminous metallic fabrics, lighting details, sleek furniture details, crockery, wall hangings, and screens for a more dramatic space with an enhanced ornamental look.

Low budget interiors are all about designing minimal yet ingenious and impactful details that encourage a maximum utilization and clear legibility of space, without compromising on the overall quality of the strong spatial narratives created. Characteristic hardware finishing, like colorful knobs, funky handles, modern door stoppers, quirky locks, etc, help elevate the personality of the space.

Mirrors in different shapes and designs can make a small space look bigger, and also make for a whimsical display piece. Foldable furniture in bright colors can be hung on the walls to, maximizing the space, and also creating a dynamic wall installation. Stick on whiteboards can be used for the office space instead of the traditional hardboard ones, reducing the cost and utilizing the existing surfaces.

Lifestyle
  • जियो पोस्‍टपेड प्‍लस यूजर्स अब बिना अतिरिक्‍त खर्च पर हासिल कर सकते हैं एक साल के लिए अमेजन प्राइम मेंबरशिप
  • उपभोक्‍ता 399 रुपए से शुरू होने वाले अपने जियो पोस्टपेड प्‍लस प्‍लान में एक साल की अमेजन प्राइम मेंबरशिप के साथ खरीदारी और मनोरंजन का उठा सकते हैं लुत्‍फ

बेंगलुरु, उपभोक्‍ताओं की विशिष्‍ट खरीदारी और मनोरंजन जरूरतों को समझते हुए अमेजन और जियो ने आज भागीदारी की घोषणा की है, जो जियो पोस्‍टपेड प्‍लस यूजर्स को बिना किसी अतिरिक्‍त खर्च के अमेजन प्राइम बेनेफिट्स उपलब्‍ध कराएगी। जिन उपभोक्‍ताओं ने हाल ही में लॉन्‍च जियो पोस्‍टपेड प्‍लस प्‍लान को खरीदा है, उन्‍हें बिना किसी अतिरिक्‍त शुल्‍क पर एक साल के लिए अमेजन प्राइम मेंबरशिप (999 रुपए मूल्‍य की) उपलब्‍ध कराई जाएगी। इसके बाद वे उपलब्‍ध अमेजन प्राइम प्‍लांस को अपग्रेड कर सकते हैं। जियो पोस्‍टपेड प्‍लस प्‍लांस 399 रुपए की शुरुआती कीमत पर उपलब्‍ध हैं और इसमें कई बेनेफिट्स दिए जा रहे हैं। मौजूदा
जियो पोस्‍टपेड उपभोक्ता नए प्‍लांस में अपग्रेड कर सकते हैं और अमेजन प्राइम मेंबरशिप बेनेफिट्स का लुत्‍फ उठा सकते हैं।

अमेजन प्राइम अपने सदस्‍यों को कई बेनेफिट्स की पेशकश करता है, जिसमें अनलिमिटेड फ्री शिपिंग, प्राइम वीडियो के साथ अवार्ड-विनिंग मूवीज और टीवी शोज के लिए अनलिमिटेड एक्‍सेस, प्राइम म्‍यूजिक के साथ एड-फ्री 6 करोड़ गानों तक अनलिमिटेड एक्‍सेस, प्राइम रीडिंग के साथ 1000 से अधिक बुक्‍स, मैग्‍जींस और कॉमिक्‍स का फ्री रोटे‍टिंग सिलेक्‍शन, गेमिंग विथ प्राइम के साथ फ्री इन-गेम कंटेंट और बेनेफिट्स का एक्‍सेस, नए प्रोडक्ट लॉन्‍च, आकर्षक डील्‍स के लिए अर्ली एक्‍सेस आदि शामिल हैं।

इस भागीदारी पर बोलते हुए, अक्षय साही, डायरेक्‍टर एंड हेड, प्राइम, अमेजन इंडिया, ने कहा, “इस विशिष्‍ट भागीदारी के साथ, हम जियो पोस्‍टपेड प्‍लस के विस्‍तृत यूजर्स नेटवर्क का लाभ उठाकर ग्राहकों के लिए प्राइम को और अधिक सुलभ बनाकर काफी उत्‍साहित हैं। वार्षिक मेंबरशिप जियो पोस्टपेड प्‍लस यूजर्स को बेहतरीन खरीदारी, बचत और मनोरंजन का अनुभव प्रदान करेगी और उपभोक्‍ताओं की जिंदगी को अधिक आसान और मजेदार बनाएगी। ”

गौरव गांधी, डायरेक्‍टर एंड कंट्री जीएम, अमेजन प्राइम वीडियो इंडिया ने कहा, “प्राइम वीडियो में हम अपने उपभोक्‍ताओं के लिए सर्वश्रेष्‍ठ मनोरंजन सामग्री उपलब्‍ध कराने के लिए निरंतर कठोर परिश्रम करते हैं। तेजी से विकसित होती, कनेक्‍टेड और मोबाइल पसंद युवा आबादी, जो विश्व-स्‍तरीय मनोरंजन चाहती है, भारत को दुनिया के सबसे रोमांचक स्‍ट्रीमिंग देशों में से एक बनाती है।” “जियो के साथ भागीदारी अधिक भारतीय उपभोक्‍ताओं को प्राइम वीडियो की 10 भाषाओं में विस्‍तृत लाइब्रेरी तक पहुंच प्रदान करेगी, जिसमें सुपर हिट अमेजन ओरजिनल्‍स जैसे पाताल लोक, मिर्जापुर, द फैमिली मैन, फोर मोर शॉट्स प्‍लीज और द ब्‍यॉज से लेकर डायरेक्‍ट-टू-डिजिटल लॉन्‍चेज खूब पसंद की गई फिल्‍म जैसे शकुंतला देवी, गुलाबो सिताबो, वी और सूराराई पोतरू आदि शामिल हैं।”

इस भागीदारी पर बोलते हुए, सुनील दत्‍त, प्रेसिडेंट, रिलायंस जियो, ने कहा, “जियो अपने उपभोक्‍ताओं को सबसे किफायती कीमत पर विश्‍व स्‍तरीय डिजिटल सेवाएं उपलब्‍ध कराने के लिए प्रतिबद्ध है। जियो पोस्‍टपेड प्‍लस की पेशकश जियो के उपभोक्‍ता केंद्रित बनने और पोस्‍टपेड सर्विस सेगमेंट में बदलाव के लिए हमारे प्रयासों की दिशा में एक नया कदम है। अमेजन के साथ यह भागीदारी, बिना किसी अतिरिक्‍त खर्च पर हमारे उपभोक्‍ताओं को एक्‍सक्‍लूसिव कंटेंट, शॉपिंग और अमेजन सर्विस के अन्‍य बेनेफिट्स का लाभ प्रदान करेगी।”

Lifestyle

All about skin care during changes in weather
Our diet and clothing vary according to the changes in weather. With lifestyle, our skin also has to acclimatize to seasonal changes. This makes skin-care, during weather change, all the more important.

In order to prevent your skin from becoming too oily or extremely dry with the changes in temperature and humidity, you must consider the following:
Optimum hydration is the key to a glowing skin!

Most people experience dry skin with weather change which implies that it is absolutely necessary to keep the skin moisturized. Adequate water consumption is the best way to keep your skin hydrated. You can also apply moisturizer if it is required.

Since the key is to achieve optimum moisture in the skin, you should avoid applying moisturizer if your skin is already oily.

Change the cleansers!

With the rise or fall in temperature and humidity levels, you need to rethink about your cleansers. For instance, your oily skin can become dry when temperature is low and using cleansers for oily skin during the winters further drains moisture from your skin.
So you must choose your cleansers according to the weather!

Adding oil to skin-care routine

Oils seldom feature in the skin-care routines. Yet they are really beneficial for your skin. Enhancing the creams by adding essential oils can lead to an utterly radiant skin. Essential oils can be also applied along with carrier oils. You just need to make sure that the oil of your choice must go well with your skin.

Remember the sunscreen!

Most people forget sunscreen as soon as the temperature drops a little, without realizing the harm it can cause to their skin. So you must make sunscreen a part of your daily skin care routine.
You must apply the sunscreen during the winters as well!

Credit-Celebrity Makeup Artist Samaira Sandhu

Lifestyle

पूरी दुनिया कोविड ​​-19 नामक घातक वायरस के प्रसार के साथ विश्व स्तर पर एक बहुत ही गंभीर स्वास्थ्य चिंता से गुजर रही है। चीन के वुहान शहर के उपकेंद्र के साथ, यह लगभग हर देश में तीन महीने में फैल गया, जिसने पूर्ण या आंशिक लॉकडाउन के कारण मानव जाति को घर के अंदर रहने, धन के बढ़ते डर, जीवन रुपी धन के लिए मजबूर किया। वुहान से दिसंबर में कोविड का पहला मामला सामने आया था, इसने बहुत ही कम समय में लाखों लोगों को संक्रमित किया और यह संख्या अभी भी जारी है।

कोविड-19 को विभिन्न देशों की सूची में शामिल किया गया है, इस महामारी ने प्रत्येक जन-जीवन के प्रत्येक पहलू पर प्रभाव डाला है, जैसे कि हम समझने की कोशिश करेंगे।

जैसे-जैसे समय बीतता गया, वायरस पर अधिक से अधिक शोधों ने इतने सारे तथ्यों को प्रकाश में लाया है जिससे  जीवन-रुपी धन को बचाने में मदद मिली है। लॉकडाउन पर सरकार की तुरंत कार्यवाई, प्रिंट और ई-मीडिया के माध्यम से जागरूकता ने इससे निपटने के लिए बहुत ही कठोर भूमिका निभाई है। इस संकट ने पूरे राष्ट्रों को बहुत अनिश्चित स्थितियों में ला दिया है, लेकिन साथ ही इसने पूरी दुनिया को एक साथ लड़ने के लिए एकजुट किया। भारत में, हमारे राज्य और केंद्र सरकार, सार्वजनिक स्थानीय अधिकारियों ने और डॉक्टरों ने इस महामारी को संभालने के लिए एक जबरदस्त काम किया है और इसे हर समय सम्मान के साथ माना जाएगा।

अब चर्चा के बिंदु पर आते हैं, महामारी से पहले और बाद की तुलना के मामले में, यह हमारे जीवन के विभिन्न पहलुओं पर अलग-अलग पहलुओं को प्रभावित करता है: – सामाजिक, आर्थिक वातावरण आदि।

मानव समाज एक जटिल प्रक्रिया है। समाज के एक हिस्से पर किसी भी प्रभाव का भौगोलिक रूप से अलग होने पर भी दूसरे पर बहुत गहरा प्रभाव पड़ता है। मानव प्रभुत्व ग्रह पर हजारों साल से चला आ रहा है, इसने पृथ्वी पर सबसे शक्तिशाली जानवर बना दिया है। नतीजतन, मानव दहाड़ते हुए,  सभी रोमांचक चुनौतियों को कुचलते हुए लगभग अनिश्चित हो जाते हैं। लेकिन इस वायरस के फैलने से अब तक का मिथक टूट गया है। इसने हमारे सामाजिक ताने-बाने की प्रक्रिया को प्रभावित और बदल दिया है, जिसमें एक लंबा समय लगेगा। हमारे दफ्तर, सिनेमाघर, पब्लिक फेस्ट में उतनी भीड़ नहीं देखी जाएगी, जितनी एक समय में थी। अगर हम दिशानिर्देशों का पालन करना सीखते हैं और सामाजिक सभा से बचते हैं, तो वैकल्पिक रूप से चीजें बेहतर होंगी। भारतीय विवाह अपनी परम्परा व संस्कृति के लिए जाने जाते हैं,लोगों के बड़े पैमाने पर जमावड़े के साथ, लेकिन कोविड-19 ने इस परंपरा को बदलकर दुल्हन के परिवार को थोड़ी राहत दी है और यह बदलाव भोजन अपव्यय में मदद करेगा।

कोविद -19  महामारी के पश्चात हमारे जीवन की गतिविधियों को निश्चित रूप से बदल दिया जाएगा| हमारी आदत अलग होगी, मुख पर फेसमास्क और सैनिटाइज़र हमारे दैनिक जीवन का हिस्सा होगा।

औद्योगिक क्रांति के बाद मानव जाति के इतिहास में यह कभी नहीं सोचा गया था कि विशाल उद्योग आधे हो जायेंगे। अचानक तालाबंदी के कारण लाखों लोग बेरोजगार हो गए। श्रमिक वर्ग ने अपने गाँव की ओर पलायन किया| इस महामारी से बचते हुए शहरों के अनिश्चित दायरे के साथ प्रवासी श्रमिकों ने समाजों में भारी अंतर पर एक रोशनी डाली, क्योंकि वे बड़े वर्ग के समाजों की मदद नहीं कर सकते थे।  मुख्य कारकों में से एक है, क्यों श्रम प्रवास एक राष्ट्रीय मुद्दा नहीं बन सका ? जो हमारी मुख्यधारा की मीडिया है, जिसने सरकार को अनुचित बना दिया। हालांकि उद्योगों ने काम करना शुरू कर दिया है, लेकिन बेरोजगारी और अर्थव्यवस्था की जांच में मदद करने के लिए सामान्य उत्पादकता को फिर से शुरू किया जाना बाकी है। उत्पादन लगभग स्थिर हो गया है परन्तु हमारी अर्थव्यवस्था को लंबे समय में गंभीर क्षति हुई है।

हमारे लिए कोविद एक आपदा हो सकता है, लेकिन माँ प्रकृति के पास कई उपकरण हैं, जैसे कि कोविद -19 जिसका उपयोग वह प्रजातियों की आबादी की जांच करने के लिए करती है। प्रकृति स्वचालित रूप से बाढ़, भूकंप आदि प्रकोप से अधिक आबादी वाले क्षेत्रों से विषयों को कम करना शुरू कर देती है , निश्चित रूप से यह अन्य प्रजातियों के पर्यावरण को आराम करने में मदद करता है। इसलिए माँ प्रकृति की दृष्टि से यह एक घनी आबादी को नियंत्रित करने का उपकरण है और निश्चित रूप से वायरस नहीं है।

Usha Pal

Lifestyle

दक्षिण पश्चिम रेलवे ने गुरुवार को प्लेटफार्म टिकटों की कीमत में 400 फीसद की वृद्धि करने की घोषणा की। दक्षिण पश्चिम रेलवे का कहना है कि इस कदम से रेलवे प्लेटफार्मो पर भीड़ बढ़ने को रोका जा सकेगा। चुने हुए रेलवे स्टेशनों पर टिकट की कीमत 10 रुपये से 50 रुपये की गई है।

पूणे में प्लेटफॉर्म टिकट की कीमत 50 रुपये

रेलवे प्लेटफॉर्म टिकट की दरों को कोरोना वायरस महामारी के शुरुआती दिनों से ही नियंत्रित करता आया है। इससे पहले पुणे रेलवे डिवीजन ने कोरोना वायरस महामारी को देखते हुए प्लेटफॉर्म टिकट की कीमत को बढ़ाकर 50 रुपये कर दिया था। इस संदर्भ में रेलवे प्रवक्ता ने सफाई देते हुए कहा कि पुणे जंक्शन द्वारा प्लेटफॉर्म टिकट की कीमत 50 रुपये रखने का उद्देश्य अनावश्यक रूप से स्टेशन पर आने वाले लोगों पर रोक लगाना है। इससे सोशल डिस्टेंसिंग का पालन किया जा सकेगा।

Lifestyle

No Knocking

Sudden emergence

No time for recovery

All plans standstill

Showered fairly on rich brats and poor fellows

Boundaries Fences reframed.

First Quarter

Scared confined in dens

Celebrated the family togetherness

Reunited, strengthen the bonds

Old pals chained in one rope

Spike in the race of digitalization

Forgotten hobbies resurfaced

Delicacies cooked, relished with near ones 

Second Quarter

Testing our Endurance

Learned to survive together

Appreciate the beauty of surroundings

Riches, luxuries shine fading

We realized something beyond more perishable

Each day a countdown

Keeping the radars high

We have learned to appreciate simplicity

Silently praying

Rebirth of Kindness

Awaiting to sail again

Shipra Dhingra
Lifestyle

A Petitioner opposing the move said in the Supreme Court on Wednesday “Banks are free to restructure loans but they cannot penalise honest borrowers by charging interest on deferred EMI payments under the moratorium scheme during the COVID-19 pandemic”. A bench headed by Justice Ashok Bhushan, which commenced final hearing on a batch of petitions on waiver of interest on deferred loans, was told that paying interest on interest is a “double whammy” for borrowers and banks cannot charge it.

“RBI came out with the scheme and we thought that we will be paying the EMI after the moratorium period and later we were told that compound interest would be charged and it will be double whammy for us as we will be paying interest on interest,” said lawyers appearing for the petitioner.

Senior counsel Rajiv Dutta, appearing for the petitioner Gajendra Sharma who has taken home loan from a bank, told the court that “public at large is going through hell of a time”. He argued that if the Insolvency and Bankruptcy Code (IBC) could be suspended to provide respite to the companies, but what about the borrowers. Lawyers arguing in favour of a waiver of interest on interest on deferred loans told the court that “public at large is going through hell of a time”. If the Insolvency and Bankruptcy Code (IBC) could be suspended to give relief to the industry, what about the borrowers, the lawyers argued.The SC will resume hearing the case at 2 pm on September 3.

The RBI had in March announced a moratorium on repayment of term deposits for three months, which was later extended till August 31. The move was intended to provide borrowers relief during the COVID-19 pandemic.

What is a moratorium period?

A moratorium period is basically a length of time during which you enjoy a holiday from your home loan EMIs. This means that you do not have to start repaying your home loan as soon as your loan gets disbursed to you. Instead you can avail an EMI holiday and begin paying EMIs after a break. Lenders offer this facility to help you plan your finances better, such that you get acquainted with the lengthy obligation of a home loan in a more organised manner. Bajaj Finserv, for example, grants 3-EMI holiday on a Home Loan of up to Rs.3.5 crore.

What are the benefits of a moratorium period?

Having an EMI holiday or a moratorium period at the start of your home loan gives you ample time to plan your finances. During this time, you can plan your income and expenditure to take your home loan EMIs into consideration. You can use the time to pay for other home-related expenses such as paying for stamp duty, registration and brokerage or simply to save money for your subsequent EMIs. Additionally, a moratorium period benefits you by providing you enough time to switch jobs or fund the immediate expenses you incur after shifting into your new home.
Now that you know about an EMI holiday or a moratorium period, see how you can avail this break on your home loan.

Mahipal Singh chauhan

Lifestyle

“Always appreciate and be thankful for the situation you are in. Try making the best of it. Because all you have is NOW”

Life has always been a mess when it comes to me. Though I am a very organized person, I sometimes struggle to align my life and the lemons it has to throw at me. Afterall, what can you expect from a life of a struggling 23-year-old? Juggling between getting my degrees cleared and changing jobs, I always have struggled with choices. Choices where easy to make but keeping at terms with them was always difficult. 

The day it was announced that it would be a lockdown, I am sure we all were happy enough to start pursuing our long-lost hobbies, making dalgona coffee and uploading more tik-tok videos. I was amongst the one who was so relieved thinking that I would do all that I could not otherwise. 

It was hard coping up with the schedule and the break was a much needed one. 

Starting days of the very much surprising holidays were fascinating. These days involved getting up late, not taking showers, hogging on munchies, late night movie shows and of course some indoor games with family. It was fun.

This quarantine not only introduced us with dalgona coffee, or our unexplored cooking skills but also with something called as ‘work from home’. Now, my work from home included an endless list of office work, lined up email responses, my study assignments, online lectures and what not. While I was the happiest one (I am sure all of us were) when they announced that it would be ‘work from home’ thing for all of us, it did not take me long to realize that it sucked! I was sulking over the fact that my work instead of declining has increased three-fold, and why not!! We were at home.  When suddenly a concept of ‘Online lectures’ came to focus, and home assignments became an integral part of my academics. Before I knew, my 8-hour shift became a 24*7 affair! Who ever said that quarantine would help you explore your long-lost hobbies?  

“Amidst the work pressure and struggling life, we usually forget that we need a break from time to time, to remind ourselves to relax and be peaceful, we may wish to set aside some time for ourselves, a day full of happiness!”

This long break was of course a messy one. As much as I would love to go back to my daily schedule, I would also love to look back and remember that this break has taught me to slow down a bit and live. While we are so engrossed in our work, we forget to live. Tomorrow everything will be fine and then we will miss this quarantine days. Because of this quarantine, I have realized that it is ok to take a break and breathe. Live for the moments that make you happy. And after all, no matter what you do, you will love it at first and eventually it gets boring. You must deal with it. And if we are going to deal with it, why not make the best of the moment?

‘When Life gives you lemons… make lemonade!’ is a popular quote we are all aware of. Life never fails to surprise us. Well, it does its job, the point is, do we?

The point here is, if life keeps giving you lemons, instead of making lemonade (come on that’s easy!), why not eat that lemon whole, choke that lemon down, the skin, the pulp, the seeds. And then maybe one day life will stop being such a mess, if you show it that you are done fooling around.

Author :

Harsha Kulkarni

Lifestyle

Before the pandemic:

A pandemic comes like an unannounced house guest. You never expect it to come and it comes. Life before a pandemic runs like a normal society. The young children go to school, the adults go to work, the older retired people spend their time with other things at home. And all of a sudden, a pandemic strikes. During the pandemic: People initially don’t get scared of the pandemic. The first person who dies from the disease will definitely get a lot of recognition.

Then a few more people will begin to die. As the death toll slowly increases, the fear and panic in people slowly begins to rise. The daily activities which are run in the society begin to get disturbed. Schools get shut down, companies start laying off employees and more people begin to die. As the old adage suggests, one death is a tragedy but a million deaths is a statistic. If people were initially prepared for the pandemic, the death toll might have been reduced. But as they always take it lightly, the pandemic reaps through humans and plants its palm of death.

After the pandemic:

The people who survive the pandemic will have a new-found respect for life. While the people who are unfortunately deceased will become a statistic. The generation which has survived a pandemic will definitely be ready for the next pandemic. Life immediately doesn’t go back to normal. It takes a while for people to adjust. But the ones who are fortunate enough to be breathing, respect each and every breath they take.

Author

Surya P Life After Pandemic
Surya P