Tag: #thecoffeefolks

Categories
Corporate

India’s GST: A Game Changer for Business Taxation and Compliance

gst

GST-known as Goods & Services tax came into effect on 1st July 2017 in India. If you are new to GST or maybe this whole system then this article is for you. We’ll go section wise starting with the basics and then diving in deeper to the vast level. We may even discuss some practical part so make sure to stick till the end.



So let’s start with a very basic question. What are taxes? What’s the purpose for it? 

Taxes are basically mandatory contributions levied on to individuals or corporations by the government. Tax revenues are used by the government to finance activities including as public work and services such as Medicare, infrastructure, social welfare etc.



To help fund these public work and services and to build and maintain infrastructure government impose taxes on individuals and corporate residents. It is a destination-based tax, which means that it is collected at the point of consumption rather than at the point of origin.



GST subsumed various indirect taxes like excise duty, service tax, value-added tax (VAT), central sales tax, and octroi, among others, into a single tax regime. This simplification of the tax structure aimed to eliminate tax cascading and promote a more efficient tax system.

Below are the GST Rates being imposed on several different commodities-



GST is structured into four broad tax slabs: 5%, 12%, 18%, and 28%. Additionally, certain essential items are taxed at 0%, and there is a Cess on items like tobacco and luxury cars. The rates may be revised by the GST Council to accommodate economic changes and revenue requirements.

A few fundamentals of GST- 

  • CGST (Central Goods and Services Tax): Collected by the Central Government on intra-state supplies (transactions within a state).
  • SGST (State Goods and Services Tax): Collected by the State Government on intra-state supplies.
  • IGST (Integrated Goods and Services Tax): Applicable on inter-state supplies (transactions between different states).
  • UTGST (Union Territory Goods and Services Tax): Levied on intra-Union Territory supplies.
  • GST Compensation Cess: Imposed on certain goods to compensate states for any revenue loss due to the GST implementation.



Who should register for a GST Number?

Check your eligibility for GST registration based on your annual turnover.. The threshold for GST registration was Rs. 20 lakhs (Rs. 10 lakhs for special category states) for most states in India. However, these thresholds may have changed, so do verify the current limits with the GST authorities. 



Lets now explore how India’s GST has become a game changer for businesses and compliance:

The GST system eliminates the cascading effect by allowing businesses to claim input tax credit (ITC) on taxes paid on their inputs. This means that the tax paid at each stage of the supply chain is offset against the tax collected at the next stage. This eliminates the cascading effect of taxes, resulting in cost savings for businesses.

The above tax  also improvises compliance through a robust technology infrastructure, including the GSTN (Goods and Services Tax Network). This facilitates seamless tax filing and compliance. Their concerned portal enables businesses to file returns online, making the process more efficient and less prone to errors.



Moreover it has provided a significant boost to the e-commerce sector. It has simplified tax collection for online marketplaces and helped small sellers become GST-compliant, thereby expanding the digital economy.

GST has incentivized businesses to operate within the formal economy thereby encouraging formalization. Many previously unregistered businesses have opted for GST registration to avail of input tax credit benefits, leading to greater tax compliance.

GST has removed entry taxes and checkpoints, facilitating smoother movement of goods across the country. This has resulted in significant savings & streamlining of  logistics and distribution costs for businesses.



Further, it has particularly been beneficial for SMEs. It has simplified their tax compliance process and reduced the burden of multiple tax filings, allowing them to focus on their core business operations.

Lastly , the framework relies on digital platforms for filing returns and making payments. This shift towards technology has reduced manual intervention, minimized the scope for evasion, and enhanced transparency in the tax system.

Overall, GST has created a more conducive environment for businesses to thrive in India. Embracing and mastering the nuances of GST has transitioned from being a choice to a necessity for businesses aiming to succeed in the Indian market. As India continues to refine and adapt its GST framework, businesses can anticipate further improvements in tax administration, compliance, and overall economic growth. In this ever-evolving landscape, GST remains a powerful tool for businesses to navigate the complexities of taxation while fostering growth and compliance in the Indian business ecosystem.




Do share your thoughts on this in the comment section below. Refer to the links attached for more such interesting articles.

https://thecoffeefolks.in/index.php/2022/09/20/before-investing-in-ipos-initial-public-offering/

https://thecoffeefolks.in/index.php/2021/05/10/complete-guide-to-investment-in-bonds/

Categories
Corporate

Before Investing in IPOs -Initial Public Offering

IPO

IPO is a very big and crucial step for any company. Not only in terms of growth and expansion but also the credibility and share listing affects the company directly or indirectly. But before digging in deeper let us recall some basic terminologies.




What is an IPO?

IPO stands for Initial Public Offering. It’s a process where in a company offers shares to the public to raise capital. An IPO is a big step for a company as it provides the company with access to raising a lot of money. So the company is considered private before listing its shares. However the company can raise funding’s through angel investors, bank loans or friends/family support.




Thus company’s can raise equity capital with the help of IPO’s by issuing shares to the public. The company which offers its shares is known as an ‘issuer’. And the general public who buy the shares are known to be the shareholders of the company.

After IPO, the company’s shares are traded in an open market. Those shares can be further sold by investors through secondary market trading. You need not worry, we’ll discuss financial markets too! In other words, IPO is the selling of securities to the public in the primary market.




A primary market deals with new securities being issued for the first time.  After listing on the stock exchange, the company becomes a publicly-traded company and the shares of the firm can be traded freely in the open market.

Some Important Key Terminologies

    1. Price Band: It is the price range  within which investors can bid for IPO shares.
    2. Lot Size: It means the minimum number of shares that one can bid for an IPO.
    3. Offer Date: It is the starting date on which the investors can start bidding for the shares.
    4. Floor Price: It is the lowest price per share that one can bid one applying for an IPO.
    5. Issue Price: It is the price at which the shares are allotted to the investors when it gets listed on the exchange.
    6. Over Subscription: It is the additional subscription sum that is obtained by the company in the situation of an over subscribed IPO.




    1. Listing Date: It is the day on which IPO shares start trading on the stock exchange.
    2. ASBA- It means ” Application supported by blocked account” . It is an application containing an authorization to block the application money in the bank account, for subscribing to an IPO issue. You cannot use the blocked amount for any purpose. However, you can continue to earn interest in the blocked amount. As an investor, if you apply through ASBA, your money gets debited from your bank account only if your application is selected for allotment. It is refunded to your bank account if you do not get the IPO issue or the issue has been withdrawn. From 2016 onwards, the SEBI has directed that it is mandatory to fill an ASBA form if you wish to invest in IPO.

 

Factors to consider before investing in IPO’s 

    • Company Evaluation – Start with knowing the company, it’s history and present operations.  Basically you need to keep up with the company , don’t worry you need not dig deeper with past numbers. Just analyze and review the entire business and it’s operations . The idea behind it is to assess the effectiveness of the company.
    • Risk Factors –  The financial performance indicates how well a company is performing in terms of revenue , economic strategies , managing debt, liabilities, investment decisions, current profitability and risk.
    • Business Model– It is the type of market company is targeting at the moment. The various types of business models are :




    • Financial Performance & Future Prospect– Try checking out the background of the company  and answers to common questions like – why did the company came out with the idea of IPO, how will the funds be utilized . Moreover you can always analyze the current financial position of the company and their future course of action. Company’s Website is the best source to find out such information.




  • Financial Ratios– strategically you can use ratios to analyze the value of IPO. That will help you in figuring out if the coming IPO is overvalued , undervalued or fairly valued. Formulas like price to earning ratio, debt to equity return, return on equity ratios can be used for the same.

 

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Do share your thoughts in the comment section below. Also don’t forget to subscribe to the newsletter just to keep you updated.

Checkout some previous posts- 

Complete Guide to Investment in Bonds




Money saving habits budgeting & Investing right

 

Instagram: @thecoffeefolks_

Categories
Corporate

Complete guide to investment in Bonds

bonds

It’s rightly said one of the basic principles of investing is that risk and opportunity go hand in hand. Investments that carry high potential of profit carries the corresponding level of risk too. Heard about bonds? Confused? Want to know more!? Yeahhh!! I can understand your curiosity over this. No worries I will try to answer all of your questions related to bonds. Make sure to subscribe to my newsletter so that you get notified whenever I publish a new post.

So let’s start from the very beginning.



What are bonds?

Bond is basically a fixed income instrument which an investor grants to the borrower. Borrower in this case may be a company or government. Otherwise bonds are used by companies, municipalities, states and sovereign governments to finance projects. Payment to bond investor is made periodically on the interest rate at which it was sold. There are a variety of options available to you if you want to invest in bonds. Some of them are fixed rate bond, perpetual bond, bearer bond, war bond etc. Don’t worry you need not rush, be patient we’ll discuss everything here in detail.



You need to know!

Bond Market is much more wider than stock market but unfortunately has not gained much vital importance or popularity in the Financial Market. According to some sources trading in global bond market is much more than stock market volume. An average figure of about $650 billion in bonds is traded on daily basis.



In general Stocks are much more riskier than bonds. Reason behind that is you can expect no guarantee returns with stocks which is merely opposite in case of bond. You will receive fixed payment of returns from the company in case of bond. Keep in mind, if in any case company goes bankrupt you will stop receiving your interest payments. Also the risk lies with the principal amount too. That’s the only risk with bond.



Merely Bond is just a kind of loan from you to company or government in return for fixed amount of interest. 

Another important thing you need to know is that bonds do have yield curves. Let’s go into more detail. Yield Curve is basically a line that shows interest rate changes and economical activity. Yield here is interest on bonds. You can expect 3 kinds of shapes in this representation. These are normal (upward sloping curve), downward sloping curve which is inverted and the last one is flat .



Kinds of Bonds

As we discusses earlier bonds are of different kinds. Let me give you a brief tour.

    • Bonds in which the interest rates remain same despite of price fluctuations are known as fixed rate bond.
    • Those in which interest rate changes as per market references is known as Fluctuating Bond.
    • Bonds with no maturity dates is called as perpetual bond. Holders of perpetual bond enjoy interest throughout.



    • Subordinate Bonds are those which are given less priority than others. Like in the case of liquidation other bonds will be paid first rather than subordinate.
    • Zero coupon bond also known as accrual bond is issued at discount to par value and it is purchased at a discounted price and is redeemed at full par value. Also please note that it does carry interests.
    • Corporate Bond is issued by companies, just like companies issue stocks in the same manner they issue bonds . Since companies have a high chance of defaulting than government therefore it is important to analyze company credit quality.



    • Municipal Bond is a bond which is issued by cities, states to finance projects and expenditures like construction of highways, bridges etc.
    • Another interesting one is sovereign gold bond. This is slightly different from others. The only difference is that it is issued against the grams of gold. Gold prices are usually less fluctuating which acts as a secure investment for individuals. Gold bonds are for fixed tenure. One of the major advantage of gold bond is that it appreciates that prices of gold tend to increase. So there are high chances of price increase at maturity.
    • Foreign bond is another kind. This is issued in Indian market by foreign companies against currency. There main aim is to raise capital for their business.



Stocks vs Bonds

A major difference between Stocks and Bond is the kind and amount of profit they generate. Bond gives you a fixed amount of interest while return on stocks vary.

Also stocks need to be sold off in stock market whenever it appreciates in value.

Buying stock means buying a small tiny share of company. On the other hand investing in bond means a loan from you to company or government.



As I highlighted earlier different kinds of bond are: Corporate bond, Municipal bond, Perpetual bond, fixed bond etc. There are a variety of stocks too. These are Equity shares, Preference shares, common stock, Corporate shares.

Stocks are much more riskier than bonds. This is because you get a fixed amount of interest in case of bonds. This makes you secure as an individual. Stocks on the other hand are so unpredictable about the change in price. Imagine how one could lose all money overnight invested on short term stocks. That’s what the risk is!!



Some of the prominent stock exchanges in U.S are, American stock exchange, New York stock exchange, Nasdaq.

According to some sources there is an inverse relation between stocks and bond price. Whenever price of stock increases, the price of bond decreases and vice-versa.



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I hope you found what you were looking for! Let me know in the comments section below what you think about this post. Will love to hear from you all!

You can post your questions about this in the comment section below, I would love to answer them.

Also don’t forget to follow us on Instagram: @thecoffeefolks_



PS:  I post there more often, so make sure to hit that follow button and turn on the notifications for posts, stories, live and ig Tv videos!.

Checkout our previous posts here:

https://thecoffeefolks.in/index.php/2020/10/16/15-productive-things-to-do-in-quarantine/

https://thecoffeefolks.in/index.php/2020/09/07/sunday-brunch-outfit-ideas-ultimate-guide/



Categories
Lifestyle

Money saving habits budgeting & Investing right

money

Have you just started earning? Or maybe confused with the money you have? You’ve been to the right place. Here I am going to tell you 15 ways of saving money and some ways of investing it.  Also it isn’t necessary that you may earn, you can even start with whatever you have. Maybe with the pocket money you receive because developing the habit of saving right from the very beginning will bring so much of benefits in the future.




Let me elaborate this with the help of an example. Suppose your dad gave you 500 rupees to spend on something. Now, if that “something” is for 300 rupees then you’re still left with 200. That’s where you can start! Keep that aside, you need to cherish each and every penny you have!! coz it’s the fact that you’re saving something and obviously it isn’t going into a waste. It’s all about how you start even a small start will work.




Handling Your Expenses

Handling your expenses is the major head here. Managing your expenses and spending your money right has a major role to play , In short you need to cut down your spending an unnecessary things and try to prioritize for things that are basic for life and you probably can’t do without them.

Let me illustrate you further, suppose you have 10,000 rupees with you to spend in a month, now your major goal must be to save some part of this fixed money and keep this aside. Prioritizing here means giving priority to things that you really need over those which can probably be avoided. Maybe 5 to 6 packets of chips can wait than a bottle of shampoo. This is what I am trying to say right now! Obviously you can sacrifice those packet of chips and not the bottle. You got me right, money saving has some sacrifices too!




Also it’s a good habit to write down your expenses, this will probably help you to track for the unnecessary one’s and minimizing them. You can even try making ledgers for “EXPENSES FOR THE MONTH” if you feel like. Adding a small note there of why did you made that purchase will surely help you to rethink about some of the items and yupp  help you to save more!

Loans & Credit Cards

I completely agree that loans and those plastic cards can provide you some kind of financial stability. However think twice or even thrice before going for it! In my opinion loans and credit cards are beneficial only in that case when you have the ability to pay back. Also paying EMI’s on time will demand a lot of fund and that too every month. So you have to be extremely sure about paying your EMI’s and returning the principal amount.




Here we need to plan, coz we aim to save more ,prepare a proper budget and then investment too. I suggest you not to take any unnecessary loan. There’s no point in ruining your CIBIL score. In case you don’t know CIBIL SCORE is one of the most important factors of getting credit. Basically it stands for consumer’s credit score, it shows a three digit no which is  based on your credit conditions and your behavior towards it. It ranges between 300 to 900, the closer it gets to 900 the high amount of chance it is to get your credit application approved. So decide wisely!




 

Planning & Bonus Money

If you are able to raise money beyond your profession then that’s your bonus money. Maybe through freelancing or some other work can be your bonus money! I know you want to enjoy your perks which is absolutely fine coz you have worked hard for it and obviously paid your extra time and effort to it but don’t forget that we need to save! So plan things accordingly and then execute everything. Planning effectively can help you save a lot while enjoying for things you may want. Also proper planning makes you clear about your budget, your money spending and accordingly you can save and manage your expenses.




Again I’ll advice to decide wisely. Try to write down everything and jot things up. By everything I mean your spending’s, your earnings, how much money you’re left with, amount you decide to save and the leisure spending money too!

 

Creating and Reviewing your Budget

If I define the term “BUDGETING” technically, it means financially planning for acquiring resources over a specific period of time. In other words a well planned budget will let you have a control over your expenses. This is so because you will already be clear from the very beginning on how much to spend and how much to save!

You can use excel sheet to make a clear & classic budget or maybe you can find budget templates online. To calculate you need to first pen down your total set of incomes. Your total income maybe calculated as the total of your salary + income from any  other valid source.




Now calculate your total expenses and subtract them from your income. Some of your expenses might be electricity bill, telephone bill etc. If you’re left any money then hooray!! we’ll be able to save some.

You can even use 50/20/ 30 rule for budgeting. According to this rule you need to use 50% of the left out money for basic needs and other necessities. Rest 20% for saving and other 30% on yourself!

Now it’s completely up to you how much you save and how much you’re willing to spend! That’s why decision making is really important and a crucial aspect here. The better your budget the more clarity and thus more saving and a proper use of money.

 

Building your Savings Fund

There’s never a “PERFECT” time to build your savings fund. It’s a now or never situation. Remember it’s an emergency fund. You got to use this only in the case of emergencies or urgent needs, and that’s the purpose of this fund. Shop smartly, be a smart consumer, make use of coupons and discounts .Avoid spending unnecessarily on things you aren’t in urgent need of! Remember those days of quarantine when we all used to spend so much online! We need to avoid that. Try to change your approach or mindset towards saving. And that’s how slowly you’ll be able to save more.




Now the question is how to make best use of these savings!? No worries I have got you sorted! Maybe a savings account in any of the banks of your choice can help. Savings account is basically a bank account offered by retail banks where you can deposit your money with the amount of interest in return. It’s a safe place to hold your money and also you’ll earn interest in return.

 

Investing Decisions

Investing decision is basically spending/investing your money into those projects or assets that  yield a high return. It’s a crucial decision be it a company or an individual. That’s why proper planning is required before investing. Investing can a long term or a short term decision, so it’s completely up to you and the amount of money you have!




Let me give you more clarity on this!

I assume that you have already taken a note of your financial conditions and stability. Also there is some kind of risk involved in an investment. Smart decisions plus being active and awareness can help avoiding it!

Some of the good investing decisions you can consider are:

  • Stocks, bonds or mutual funds
  • Investment in Assets (property)
  • Cryptocurrencies
  • Insurance

 




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I hope you found what you were looking for! Let me know in the comments section below what you think about this post. Will love to hear from you all!

Also don’t forget to follow us on Instagram: @thecoffeefolks_

PS:  I post there more often, so make sure to hit that follow button and turn on the notifications for posts, stories, live and ig Tv videos!.

Checkout our previous posts here:

https://thecoffeefolks.in/index.php/2020/10/16/15-productive-things-to-do-in-quarantine/




https://thecoffeefolks.in/index.php/2020/09/07/sunday-brunch-outfit-ideas-ultimate-guide/

 

 

Photo by Josh Appel on Unsplash

Categories
Lifestyle

Yoga poses to reduce belly fat easily

yoga

Gaining weight? Worried and want to loose weight? There can be various reasons behind it , but one of them is surely your unhealthy diet. Eating out regularly, no exercises can increase your belly fat at a fast pace! Not only belly fat but it increases a chance of you getting lifestyle disorders like high blood pressure, diabetes, obesity and what not! Don’t worry you can avoid all this easily, if you inculcate the habit of exercising regularly and maintaining a proper diet. Yoga can definitely play a good role in this.  It helps your body feel fresh, increases metabolism and your flexibility . Not only does it keeps up your blood flow but also increases your immunity which is really good! Here are some of the yoga poses that you should definitely perform if you want to loose weight:




1. Cobra Pose

Cobra Pose popularly known by the name of bhujangasana or snake pose is one the yoga poses that not only helps in reducing belly fat but also helps to add flexibility to your body. There are numerous benefits of this pose, some of them are strengthening your back, posture, good blood flow throughout chest and abdomen. Here are the steps to perform this pose perfectly:




Steps:

  • Lie on the floor, stretch your legs backwards.
  • Spread your first onto the floor
  • Now while inhaling, stretch your chest to the maximum possible limit you can.
  • Stay there, and then exhale while you come down.

 

yoga

2. Side Plank

This yoga pose specifically helps in better concentration, tighten your arms and wrist. It’s the best pose if want to reduce your side fat specifically. Since you need to balance upright your arms and wrist get strengthened.When you are balancing there upright your belly muscles are used thus reducing your belly fat. It’s not an easy pose though but performing it really works for your whole body. Here are the steps to follow if you consider performing it:

Steps:



  • Lay down on your side, stretch your hand while taking your body upwards.
  • Stay there for a few seconds
  • If you are able to balance this easily then try lifting up your legs
  • This will help you strengthen your core

yoga

3. Low Lunges

If you face constipation problems then this pose is for you! This pose let’s you stretch your knees, thighs and your ankles. It helps you cure your back pain. Apart from this your belly gets reduced.  Follow these steps to perform this pose better:

Steps:

  • Put forward your right leg and your hips down thus making a 90 degree angle
  • Stretch your left leg backwards
  • Stay in there for few seconds

yoga

4. Upward Salute




Upward Salute also known as Urdhva Hastasana helps a lot in reducing your belly fat. It also helps in better digestion, controlling your stress and anger. This pose is one of the easiest when it comes to belly fat. Follow these steps to perform this pose:

Steps:

  • Stand onto your yoga mat
  • stretch your arms upwards
  • Join your hand while stretching your hands
  • Inhale as you lift your hands whereas exhale as you go down

yoga

 

5. Tree Pose

Vriksasana as the name suggests means to pose like a tree. Besides belly fat , it helps in toning your shoulders, calves and your thighs. Moreover it’s the best pose for improving concentration and body balance. Here are the steps you can follow to perform this pose:

Steps:

  • First of all stand onto you yoga mat
  • Next stretch your left leg inwards so that your foot meets your right thigh
  • Inhale while you join your hands
  • Exhale as you release yourself

yoga

6. Bridge Pose

Setu Bandha Sarvangasana or bridge pose is beneficial for your back and belly. It helps to improve your digestion, good blood flow level. It stretches your back, chest and hips thus results  a toned body. Moreover if you are facing common problems like anxiety, fatigue, headache then this pose is just for you. Follow these steps to perform this pose:

Steps:




  • Lie down on your yoga mat
  • Stretch your knees and begin lifting up your hips
  • Now slowly extend your your lower back
  • Keep your chin and face upright ,try holding it for few seconds

yoga

7. Fish Pose




Since your belly gets streteched up matsyasana or fish pose helps in reducing the fat therein. It also helps in toning your thighs and improving your back flexibilty. This pose mainly stretches your upper body. Here the steps to perform this pose:

Steps:

  • Start your pose by lying down flat to your yoga mat
  • Cross your legs and lift them up slightly
  • Now stretch you arms to your crossed legs
  • Start lifting up your shoulders and back, don’t try to lift up beyond your limits
  • Make sure your head is positioned backwards

yoga

8. Hero Pose

Virasana or hero pose is a tonic for those suffering from gastric problems. Not only it helps to cure  gastric problems but also helps in improving digestion, blood circulation. This pose helps to improve one’s posture. Follow these steps to perform this pose:




Steps:

  • Sit upright/straight onto your knees
  • Make sure that both of your foot touch each other
  • Stretch your hands either backwards or straight

yoga

 

9. Triangle Pose

 

Triangle Pose or Trikonasana specifically helps to strengthen your lower body. It stretches your knees, thighs, calves and thus improves flexibility. Besides this it helps in curing constipation and digestion problems . Moreover it helps in strengthen your back. Follow these steps if you wish to perform this pose:




Steps:

  • First of all stand straight, slowly bend yourself downwards behind your leg, you need to touch your hand onto your calve
  • stretch your right hand upwards
  • stay there for a few seconds

yoga




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Don’t forget to follow me on Instagram: @thecoffeefolks_

PS:  I post there more often, so make sure to follow me there.

Checkout my previous posts here:

https://thecoffeefolks.in/index.php/2020/02/08/market/

https://thecoffeefolks.in/index.php/2020/03/19/20-self-care-tips-while-being-on-a-hard-working-day/

https://thecoffeefolks.in/index.php/2020/04/09/coffee-drinks/

Also subscribe to my newsletter so that you get notified whenever I publish a new post.

 

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Categories
Lifestyle

Best lip balms for dry and chapped lips || Honest Review

lip balms

Chapped lips? Your lip balm is right here at your service. Whether you are experiencing dry or chapped lips, lip balms work as a good solution to all your problems. So here we have come up with a good review of a bunch of lip balms so that it is easy for you all to choose.

 



1. Maybelline New York Alia Loves New York Lip Balm

This lip balm comes handy when you want to go subtle on your lips. Neither you want a bright lipstick nor a boring transparent balm. It gives you the right tint for such occasions. While the brand has launched 4 variety of shades from which Brookyln Bronze is my personal favorite. Just one swipe of this balm gives a good tint to your lips. Moreover it contains SPF 20 which is makes this much more beneficial. It remains for good 5 hours.

2. NIVEA Fruity lip balm 3 benefits in one

This is one of my personal favorites. A lip balm which I have been using from over an year now. It just gives me no reason to switch over. It comes as a 3 in 1 formula which claims to give relief to dry and chapped lips immediately which absolutely proved to be correct. Although it clear white and transparent but it’s a life saver. It blends onto your lips while giving a strawberry  luster. It stays up for more than 3 hours which is pretty good. Overall it’s a worth for the price charged.




3. Neutrogena Norwegian Formula Lip Moisturizer

This is another kind of transparent lip balms. Not only lightweight but also gives a smooth lip. It contains SPF 15 which is definitely an added bonus. However it contains no fragrance or odour which is not so good about this lip balm. It requires reapplication within 2 to 3 hours. You can easily buy this on various online stores.

4. Biotique Bio Fruit Whitening Lip Balm



This lipbalm is a perfect formula for lightening dark lips and making them healthy and supple. Being dermatologically tested for safety it proves to be a best choice for a person with not only dry and chapped lips but also uneven lip tone. It is worth a shot! Above all it is organically pure and preservative free giving it a plus point.


5. Lakme Lip Love Lip Care

New super moisturizing formula that bits good bye to dry lips which claims to be lasting for 22 hours. However 22 hours claim is a question mark for me. Not only does it have SPF 15  but is also available in six shades and one colorless variant.



6. Mamaearth Natural Lip Balm For Women With Shea Butter & Strawberry 

Mamaearth natural lip balm claims to contain natural ingredients such as olive oil and coconut oil that gently moisturizes dry chapped lips whereas shea butter and vitamin e soothes and repairs damaged lips. It’s a natural lip balm with no artificial ingredients. Also it contains strawberry fragrance which makes this lip balm definitely a worth to try.

 

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Don’t forget to follow me on Instagram: @_thecoffeefolks_

PS:  I post there more often, so make sure to follow me there.

Checkout my previous posts here:

https://thecoffeefolks.in/index.php/2020/02/08/market/




https://thecoffeefolks.in/index.php/2020/02/19/market2/

https://thecoffeefolks.in/index.php/2019/12/30/sunscreen-guide-for-beginners-all-about-sunscreen/



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Photography credits: Unsplash.com

Rebecca Wiggins

Categories
Food

Breakfast ideas for a week || Easy and diet friendly

breakfast

 

Breakfast is a very important meal of the day. It’s rightly said that you must have the breakfast like a king! However some of us like to skip it at all. Since I am a night owl, I also end up skipping my breakfast which is very wrong. I am too currently working on it.Here I have suggested some breakfast ideas which I personally like to have in the morning whenever I feel like having something lighter.

 

 

So the first in the list is eggs. You can start with eggs on Monday. A boiled egg with a toast is a perfect meal. It’s wholesome and at the same time has right amount of proteins which will keep you active throughout the day. I also like to have black coffee after this.  Aaah! What a freshness it gives me!

 

Tuesday is Bhagwan Ji ka din! So cannot have eggs or something non vegetarian.(An old myth) Poha is another option you can have with lots of vegetables, top this up with coffee, now in order to be filling you can replace your black coffee with the normal one . That’s what I actually do!

PS: Don’t mind I have coffee every day, so I will include it here as well!

 

Wednesday is a day where in after a day of being vegetarian, I crave for something non vegetarian, but at the same time having chicken right in the morning or as your first meal is not appropriate. So I adjust this craving again with some eggs. This time I make an omlette and compliment it with cornflakes and milk. Here I skip coffee (Although it’s hard to miss it)

For Thursday there’s nothing special, some oats along with black coffee works fine for me!

Idli’s are a very good option in the morning, when you want to have something light. Idli’s work with any kind of dal, be it moong ki dal. Or you can have masala idli’s, you just need to toss them up in soya and red chilli sauce and you are sorted!

Again I have black coffee along with it!

 

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Checkout my previous posts

A two day trip to bharatpur: https://thecoffeefolks.in/index.php/2019/11/11/179/

4 things you must carry in your bag: https://thecoffeefolks.in/index.php/2019/11/12/187/

 

 

Picture Credits: Unsplash.com

Kevin McCutcheon

 

Categories
Lifestyle

College bag essentials || Must haves

college bag

 

Going to college everyday with a busy and hectic schedule can be really tiresome, so to manage it all your college bag must have space enough and at the same time be stunning so that you go smart.So here are some college bag must haves which you should not definitely miss them out!

 

First thing’s first have a good size bag so that your things fit in very well. May be a tote bag will work well or a backpack!

So just start of with a small size common notebook, that is very obvious. Next, keep a hair tie or a scrunchy so that you can tie your hair whenever you feel like.

Make sure to keep a hand sanitizer, because travelling by metro or any other conveyance can get germs in your hands.Do not forget to keep some safety pins, these are handy many times. Now girls out there must carry an extra piece of jacket or a fabric just in case if your **Pd_date** is nearby!

A hand cream is very handy during winters when hands become dry more often, so make sure to keep a small size cream with you.

Don’t forget to keep or tie  a scarf on your  bag handle to protect yourself from dust and sun-rays, even it is helpful during rainy season!

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Make sure to follow me on my Instagram handle: @_thecoffeefolks_

Link: http://instagram.com/_thecoffeefolks_/

Also subscribe to newsletter so that you get notified whenever I publish a new post!

 

Our previous posts:

https://thecoffeefolks.in/index.php/2019/11/11/bharatpur/

(2 Day trip to Bharatpur)

Photography Credits:

Matt Ragland

 

 

Categories
Travel

Bharatpur Guide for a day trip || Travel with me!

Perfect bharatpur guide

 

Endowed with scenic beauty, Bharatpur is a perfect place to visit any time of the year.

Here we guide with an itinerary for a 2-Day trip to Bharatpur from Delhi, which you can of course mould according to your own convenience.

 

Day-1

Well, if you are starting from Delhi, you can reach Bharatpur by railways or by your own car or a cab. I personally went there by car and just had only two stoppings in between, I managed to reach  there within 4 hours.

Make sure you start up early in the morning. I left at 6:00 am.

I checked in to the hotel in bharatpur  immediately after reaching there and the best part was that the bird sanctuary was just 3 km away from my hotel.

After having breakfast in the hotel itself I left for the bird sanctuary. There was an option of hiring a guide , but honestly we didn’t. Rather we did hire rikshaws there.  I have even shared pictures on my Instagram handle so don’t forget to check that out.

Well I was back by 2 pm and had my lunch.  Rajasthani buffet was just perfect!

 

Day -2

Next day there’s an option for you to visit Lohang fort. I personally didn’t go there as there was curfew in the city. But I totally suggest you to visit there. There’re a lot of things you will get to know about. Also there are guide available who can brief you well about the place.

Personally after breakfast I checked out from hotel and left for my home  I left at 10 and reached back by 2 pm .

What you can plan is after breakfast and checking out from hotel you can visit the fort and then afterwards leave for you home.

 

That was all I did, although short but a memorable trip I had. A family trip is the best when you are dying with your busy schedules.

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Don’t forget to follow me on Instagram: @_thecoffeefolks_

Link: https://www.instagram.com/_thecoffeefolks_/

PS:  I post there more often, make sure to follow.

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