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Samantha and Zachary’s Hanover Manor Wedding Photos
By: Enchanted Celebrations
Tags: Weddings, Wedding Photography, Love, Enchanted Celebrations

Congratulations to Samantha and Zachary on their extraordinary wedding! April 18th of this year was certainly a day to remember! Thankfully, the Hanover Manor Wedding Photos came out nothing short of incredible. They’ll always have them to look back on!

First, Samantha couldn’t have looked any more gorgeous on this special day. Her floor length white dress was simple but glamorous! It even had a sparkly silver lining running around her waist! She looked stunning! Zachary was all suited up in a tux and tie, looking so handsome! Next, Samantha and Zachary were ready to make it official!

Then, Samantha and Zachary couldn’t wait any longer to tie the knot. It was finally time for the ceremony! The long awaited moment was here. However, the ceremony wasn’t like your typical wedding at all. Samantha and Zachary made it uniquely their own to celebrate their love within their religion! It was just how they wanted it!

Next, Samantha and Zachary kissed to make it official! They are now husband and wife! The couple couldn’t have looked any happier than they did in this moment. Also, Samantha and Zachary were able to have their closest friends and family there. There’s nothing better than an intimate wedding! Everyone felt the love in that room!

Next, it was picture time! After the ceremony, Samantha and Zachary captured their love in the most epic Hanover Manor Wedding Photos. They even had family and friends jump in for some! They’ll always have these to look back on with happiness in their hearts.

Then, the reception took place! Samantha and Zachary chose to keep the celebration small. But nevertheless, it was still a fantastic celebration! They even had a cute Mr. and Mrs. sign at the head of their table! It was so adorable!

Congratulations to Samantha and Zachary again on their wedding! We are so happy we were able to capture such amazing Hanover Manor Wedding Photos. We wish them nothing but love and happiness in their future endeavors.

Check it out here: https://www.enchantedcelebrations.com/eventcards/samantha-and-zacharys-hanover-manor-wedding-photos/
Wedding in Mumbai
By: Shruti Chandnani
Tags: Engagement, Weddings, Wedding Planning, Bonding, Wedding Rituals

Marriage is a beautiful relationship between two people who love each other and want to spend their entire life together. To share this bond with the world a Wedding is planned and known people are invited to attend it.

It usually starts with the two families doing the pre-wedding rituals which include a lot of fun activities like:

Ring ceremony

This is the starting stage in any wedding and takes place few months before the wedding. The couple and their families gather and the couple is made to put ring in each others ring finger, that is, exchange rings to make their engagement stronger.

This is followed by dancing, singing and playing a lot of games. In this both the families get close and make bonds with each other.

Mehendi Ceremony

This is considered the most crucial step as this decides if the groom loves her bride or not, that is, the darker the colour of the mehendi the more the groom loves the bride.

Mehendi also called Henna is a paste made and applied on the bride’s hands and feet. The bride has to sit for hours with Mehendi on as the more she waits the darker the colour, so to prove that her groom loves her she sits with it for long period of time.

The other guests enjoy food, sweets and dancing.

Shagun

It is believed that the “JODI” is made by god’s will and is in the best wishes for the couple so to thank god for the bond which is about to be formed prayers are sung and a lot of dieties (usually for Ganesh god) are done.

After the rituals are done a lot of gifts and sweets are exchanged between the bride and groom’s families.

Haldi

In this a turmeric paste is applied on the girl’s skin , this is because turmeric is believed to have a lot of benefits like antimicrobial property and cleansing agent so before the wedding, the big day, she is made to enhance her beauty with this paste. All the relatives turn wise apply it on her. Sometimes even the groom is made to apply it but only for fun.

wedding

This is the most important day for both families as today both the girl and the boy will be officially be married and will tie a knot that will tell the whole world that they are married.

First the bride and her family arrive at the wedding hall and wait for the groom ,the groom’s arrival called BHARAAT to the wedding hall is celebrated with great joy.

Both the groom and the bride are made to sit around fire and dieties are performed. After this they put a VARMALA , a string of flowers , on to each other , then they go around the fire and make seven rounds. This marks the end of the wedding.

After this a reception is usually done where the guests invited come on the stage where the couple are click photos and create memories for future.
Michelle and John’s Buck Hotel Wedding Photos
By: Don'A Smith
Tags: Weddings, Nj Wedding Photographer, Nj Wedding

Michelle and John were able to celebrate their special day on April 17th, 2021 in Philadelphia, PA, please enjoy their Buck Hotel Wedding Photos!

The day started off with Michelle getting ready with loved ones around as they were all excited to see her marry the love of her life. While getting ready with her bridesmaids and family, Michelle started getting emotional while putting on her dream wedding dress. The room was filled with happiness as the ceremony was going to begin.

While each one of Michelle and John’s friends and family walked down the aisle, John was able to see Michelle in her incredible wedding dress, John started to get overwhelmed with emotion seeing her and realizing he is about to marry the most amazing woman.

The ceremony continued at the St. Anselm Church as the couple exchanged rings, they were able to walk down the aisle as newlyweds.

The couple was ready to celebrate after the Buck Hotel Wedding Photos were taken all over the property. The groomsmen and bridal party were just so overwhelmed with love for this new couple as they finished pictures and the cocktail hour and reception started.

The word “Love” in purple lettering filled the room as everyone there was remembering why they were there because it was “#aboutdamntime,” for Michelle and John to finally get married.

Everyone entered the reception with so much energy and happiness especially to be able to see Michelle and John share their first dance. Then all the guests were able to dance the night away. They finished the night eating cake and having the signature cake fight between husband and wife.

We were so happy to capture the Buck Hotel Wedding Photos for this wonderful couple. We wish Michelle and John a life filled with happiness and love!!

Check us out here for photos: https://www.enchantedcelebrations.com/eventcards/michelle-and-johns-buck-hotel-wedding-photos/
Organizing our lockdown wedding felt like a piece of cake with Galarm
By: Galarm - Alarms, Reminders App
Tags: Covid Weddings, Weddings, Wedding Planning, Wedding Photography, Lockdown Weddings

Arrange or love marriage? Love is something, which defeats everything and makes a tough time even more beautiful when you have your partner beside you.

Shot By CineLove Productions

“They knew it. Time, distance, nothing could separate them. Because they knew. It was right. It was real.” - Annie (Ryan)

We had the shortest time to plan our wedding but within a couple of weeks, we had finalized our wedding to be on the 7th of May at the The Imperial Hotel Delhi, until the second wave of coronavirus came upon us all.

Delhi declared a lockdown amidst second wave of coronavirus. The lockdown paused all our wedding plans indefinitely. Not knowing any way forward we sat confused and disappointed. We decided that the best way to kick start our new lives, is an intimate wedding, with our close families, following all possible safety guidelines. So we started planning it again.

With an overly enthusiastic group of family and friends along with a smart reminder app: Galarm, organizing it all felt like a piece of cake. A lockdown wedding is all we needed! Hence, #Somanyu preparations started in full swing!

Shot By CineLove Productions

Shot By CineLove Productions

Honestly, we wanted to do 3 to 4 events for 3 days but it felt like a complete waste in this time. Reducing the guests’ list from 100 guests to 30 guests seemed hard to come to terms with in the beginning but soon enough everyone realized that it’s the wedding that matters the most.

Shot By CineLove Productions

Since we had to coordinate with just 30 guests for all the rituals, we chose Galarm as our partner. The app’s group alarm and buddy alarm features were used extensively to manage the guests and events.

They say a pair of happy feet is all you need at Sangeet but in our case that wasn’t enough. Along with a pair of happy feet we needed a tool to coordinate dance sessions of our closed ones with the choreographer. We used Galarm’s buddy alarm feature to coordinate it all. All our virtual meetings with vendors, designers, stylist were managed using Galarm. Taking the advantage of the digital age, we also made arrangements for virtual wedding for our guests who could not attend the wedding. Using Galarm’s shareable alarm links, we made sure that everyone joined the celebrations through their laptop screens on time and shared the moments of joy and happiness with us.

Shot By CineLove Productions

With the support of over 80 people over zoom and our dear friends and family everything turned out to be just perfect. For all the upcoming couples wanting to get married in this time we would just like to say be brave and be loving and don’t forget to manage it all using Galarm. It all just works out in the end!
Wedding trends during Pandemic
Tags: Weddings, Trends, Delhi, India

Last year, we all thought about a new normal, but none of us were sure that it will really be normal so soon. Because of the pandemic, several people postponed their weddings in 2020, anticipating that things will return to normal. We may have wished to return to old ways of celebrating, but here we are in 2021, in the midst of the second and much more destructive wave of coronavirus. As a result, there have been some shifts in the way we work and celebrate.

Thankfully, unlike last year, weddings are still permitted, but with stringent limitations and health regulations.

People are experimenting with various methods within the confines of the law in order to make their marriage more viable and interesting.

Let’s take a look at some of these patterns that could persist long after the pandemic has passed.

1. Virtual Preparation and Planning

Anything that can be done online is being done online, including working from home and shopping from home. These days, this also involves wedding arrangements. All is done online, from virtual meetings with prospective wedding planners to virtual venue tours.

2. Intimate Wedding Scenes

Your wedding can still be grand even if your guest list is thin. Not only are there government laws limiting the number of people permitted at weddings, but people are also opting out of mandatory weddings. Since the guest list is typically limited to family and close friends, RSVPs are more essential than ever.

3. Hire a vintage car

Animal abuse is becoming more widely recognized, which is why we do not want a horse at our wedding. Furthermore, vintage cars are a visual treat and allow the groom to dance and enjoy himself with his closest friends on his way to the wedding. It can also be used as a prop to catch photogenic memories that will last a lifetime. Despite the many sacrifices associated with weddings during the pandemic, a vintage car can still bring some joy and excitement to small weddings.

You just get married once in your life. Rent a vintage car instead of compromising.

4. Destination Weddings

source: https://travelmarketreport.com

Destination weddings have been on the wish lists of many wealthy people for a long time, but they are becoming increasingly common these days. Since the guest list is small, people would have more money to spend. As a result, people are preparing outstation weddings to their dream destinations, which are located far away from cities with lower infection rates.

5.Social Media Streaming

Even on mobile broadband plans, the bandwidth allows us to stream live video over the internet. Since many people who avoid traveling during inclement weather can still be present at their loved ones’ weddings, social media streaming has grown in popularity.
5 reasons to choose an intimate wedding
By: Anirudh Kansal
Tags: Weddings, Wedding Planning, Wedding Photography, Wedding Ideas, Intimate Wedding

Intimate wedding; a real beauty

planning your wedding is indeed special. And, why not? after all, it’s the day, you have been dreaming for months or even years. Many couples may want their wedding to be grandeur and organized with much pomp and show. But, as we witness the second covid wave, an intimate wedding has emerged as an excellent solution.

We see, how couples are transitioning from traditional wedding setups to more modernized ones. This is not just about the number of guests, but also about creating a cozy vibe, interacting more with your guests, and making your special day, a big hit.

If you are also planning for your wedding in this dreadful covid time, probably this 2 min read, will give you a better idea of why choosing an intimate wedding should be your top priority. Also, you will know about the key benefits of choosing an intimate wedding.

Get the Most out of Your Budget

While clipping the names of your guests from the invitation list, you don’t reduce the expense, rather, you capitalize your budget to the fullest. Due to the fewer number of guests, you can invest more in the quality instead of quantity. And, this altogether helps in making your gathering short, but splendid!

Plan Easily

Sorting down a huge guest list can cause you immense trouble, at times. But when you opt for an intimate wedding, the planning goes smooth and effortless. You can look out for your resources and plan them accordingly. you will not require to make any final-moment changes due to improper estimation.

Make the Day More Personal

Though we connect with countless people socially, only a handful of them makes it into our personal world. On your special day, you will want to keep your celebration limited to those, who matter to you the most. And, an intimate wedding gives you exactly that freedom to spend quality time with your treasured ones.

You can Focus on Minute Details

It's a well-known fact that the small creative details can lay a huge impact on the overall setting. looking out for every single detail can be tedious with a long guest list in hand. But in an intimate wedding setup, you get enough time and flexibility to look at every arrangement, personally.

Less Overwhelming Atmosphere

Interacting with hundreds of guests can be annoying and especially when you don't even know a few of them properly. However, with fewer guests, you get your personal space with your loved ones and the overall atmosphere stays comfortable. You don't have to feel compelled to please all your guests at the wedding.

Conclusion

In these challenging times when the entire world is passing through a struggling phase, planning an intimate wedding can be your happiest life decision. However, while making your wedding preparations, taking proper covid precautions is crucial.

As more individuals continuing to prefer modern wedding practices, distance wedding has also become a popular wedding style. If you are the one looking for the best wedding planner, our offered services will definitely interest you more.
Why there is no vidai planned for my wedding
By: Chhavi Agrawal
Tags: Vidaiceremony, Weddings, Indian Weddings, Relationships, Hindu Wedding

Why there is no vidai planned for my wedding

Hello Beautiful People :)

Today I will share a subject very close (or shall I say 'distant’) to my heart.

Vidaai.

You all know that very well by now that there will be absolutely no “vidaai” or anything even remotely symbolizing the “giving away” of the bride at my wedding. And, though the reason you would have definitely guessed by now, I still wanted to share some of my thoughts around why is that…

Why Today?

With hardly 4 days remaining for my wedding, I realised today, how ‘stress-free’ I am as compared to what I would have been if I had gone with the conventional drama /symbolism of a Hindu wedding — the wedding day being the day when the girl becomes ‘paraayi’ for her parents; when she is given away to a new family; when the priority order of her responsibilities change overnight; when coming back home is never the same again…

Since my childhood, I have been terrified of experiencing vidaai’s at weddings. I used to (and still do) cry the moment it is time for the wrap-up after the phere’s. I even used to have nightmares (not kidding) as a child, after attending family weddings, frightened to the core.

Perhaps, one of the earliest reason for me to decide never to get married was the concept of ‘vidaai’.

Questions…

Even though most children leave their parents’ home in their late teenage (for higher education or exploration) or early twenties (for a job or business or something), why should then such a psychologically troubling and emotionally tumultous moment be artificially created in their lives, to symbolize their ownership transfer?

Why can’t there be a choice?

Why can’t the wedding simply be a ‘union’ of two families?

Why should the groom’s parents be always on a higher pedestal? Why can’t both set of parents be of equal stature for the groom and bride respectively?

Why is the time a wife spends with her spouse’s parents almost always disproportionately greater than that spent by the man with her wife’s parents?

Even if both the bride and groom have already been staying away from their parents’ home, why only the woman is ‘renounced’ by her parents on her wedding, when practically nothing much changes after all?

All these questions used to haunt me (they still do)…and honestly, with my earlier social circle, I had never thought I’d find a guy who’d resonate with all this; whom I’d like to marry (not that marriage is really a necessity), who’d fight with his parents for a truly ‘equal’ wedding, where the ladkiwale are not inherently apologetic for even taking extra breaths during the wedding.

My Answers…

And now that I have found Abhishek, things are so different! I never thought I’d be so relaxed and emotionally stable days before my wedding. In fact, if anything, I am super excited for the new chapter (that’s how it should be, right?)

What were some of our toughest negotiations with our parents?
My Last Sunday (as a bachelorette)
By: Chhavi Agrawal
Tags: Relationships Love Dating, Weddings, Relationships, Wedding Planning, Bride To Be

My Last Sunday (as a bachelorette)

Hello Beautiful People :)

With less than 5 days left for our court-wedding, I wanted to give you a peek into what’s going on here in my home…

Unsurprisingly, right now, the energies of our home are brimming of excitement, vigor, and of course, chaos.

Clicks

The day started with I and Abhishek going to get a few casual clicks done by my mama (my maternal uncle), who has a penchant for photography. [Well, it didn’t really turn out to be ‘casual’ in the end because of my candour being too dramatic, naturally].

We visited a not so crowded, spacious park (because, pandemic) to get those shots done. Till the time we returned to home, my energy meter, despite the hot & humid weather, had gotten fully charged up.

Beats

This was followed by mine & Abhi’s dance preparations (for the wedding reception) where a dancer friend of mine, took up the onerous task of choreographing a dance for us.

The choreography session and countless rehearsals (not really countless; just that I did not care to really count them) were well stuffed with a lot of food, goof-ups, laughter and some more food.

Though we are yet to properly practice those songs on our own, but overall it was an exhilirating experience today, because we created some beautiful cosy moments together, and now it doesn’t really matter how is the end result, as the aim is to not fret about putting up the ‘perfect’ show, but to thoroughly enjoy the process, which we certainly did.

Games

Towards the tail end of the day, we worked some more on structuring our vows (they are finally getting into some shape), and ended the day with the exciting activity of planning for the “games night “ — what games to play, how to facilitate them, their logistics, etc.

Cannot reveal more than this in a public forum, as things are a intended to be a surprise for the attendees :P

Closing

Dance-Drama-Dedication(to plan for fun:P) — that’s how, my friends, I spent my last Sunday as a bachelorette. And, it was not too bad.

Yayyyyyie!

I am super excited to start this new chapter — to “break-free”, not “settle-down”

See you all tomorrow ❤

Love,

Chhavi
Integrating more Remote Auditing into Organizational Procedures
By: Kcr Cro
Tags: Remote Working, Quality Assurance, QA, Technology, Business

By: Irena Lambridis, KCR Director of Quality Assurance & Compliance

For the past 15 months, we have been challenged to find new ways to ensure quality across the organizations and clinical trials we support without the ability to travel to central offices, clinical sites and supplier locations. In many ways, this has been an exciting time that has required us to think creatively and develop more modern approaches.

If we look back at traditional auditing, a single internal audit would involve the following: one day of preparations, half a day of travel, a few days on location to review documentation, interview staff and tour the facility, time to discuss non-conformities, return travel time, report writing and follow up activities.

Throughout the Covid-19 pandemic, we have adjusted nearly all these procedures utilizing technology-based solutions to efficiently conduct these activities from the comfort of our home offices while maintaining high expectations and keeping patient safety and data integrity at the forefront. Our experiences have proven that with proper assessment, technology implementation, planning and execution, a quality audit is achievable. This achievement is dependent on several factors and organizationally, it is critical that we define these decisions and permissions formally to pave a path to success.

With this being said, there is often an element of physical presence on site that allows us to observe what is not readily being shown. An example could be body language during an interview demonstrating nervousness or background activity observations during facility touring. There are certain nuances that we are trained to catch during audits, and this is often a valuable tool for quality inspectors and the organizations we support. The ability to find the rabbit hole and know when to dive in and when to keep moving forward is key. It is truly an art that takes years to hone.

So, how should auditing teams move forward? Each organization should assess where risks lie and how to best structure their audit program with regulatory requirements at the forefront. There is no doubt, from a business perspective, that adding a remote audit capability or component could increase productivity and result in bottom-line savings. Then again, deciding how and when to implement remote auditing requires a thorough assessment of organizational needs, documenting decisions, and a clear definition of how audits will be conducted. There is no one right way to manage this and it is an exciting time to challenge ourselves and our industry with the possibility of implementing new solutions.
SDLC and Testing Process I. Static Testing
By: Diana Dai
Tags: QA, Software Testing

SDLC stands for system development life cycle. The software project includes: software development, software testing, and project management. Specifically, project management is the most important and software development is the most well-structured. Disregard of quality testing and relatively few tools in testing were the 2 reasons that software testing was not popular, but this situation was getting better. Testing Process is part of SDLC.

Basic lift-cycle models have three categories: requirement driven (waterfall) development model, iterative development model, and agile development model. Iterative development model was replaced by agile development. RDCT in development models: requirements engineering, design, coding, testing.

Waterfall model

Waterfall model only has one RDCT (Requirement -> Design -> Coding -> Testing). The advantage is that process has been split into difference parts. The disadvantage is that mistakes from early state would effect significantly in the future because of later testing.

V-model

V-model is a slightly improved version from waterfall model, there are related testing actives right after requirements and design, respectively. The main features: introducing more test levels, testing not only being performed at the end of the development life cycle, left side of the V is the processes to build the software product, and right side of the V is test levels to ensure that we have specified.

W-model

W-model is a slightly improved version from V-model. Design and Test plan and specification are ongoing simultaneously after requirement. Test p&s and Coding are after Design. Tests are the last state with reports. Test plan and specification is the added feature from V-model. The main features: starts testing from the requirement, more time to plan and specify the test, extra test-related review of documents and code, more time to set up the test environments, and better chance of being ready for test execution as soon as something is ready to test.

Overall, the features of requirement driven model include: the customer knows what he or she wants, the requirements are frozen (changes are exceptions), and phase reviews are used as control and feedback points. The characteristics of a successful sequential development project are: stable requirements, stable environments, and focus on the big picture. According to statistic data, there is 30% change to have a successful project, due to overtime and high cost.
How to use one or more cy commands with in a custom command in Cypress
By: Lakmal Liyanage
Tags: Cypressio, End To End Testing, Cypress, QA

How to use one or more cy commands with in a custom command in Cypress Lakmal Liyanage Follow Jun 17 · 2 min read

When returning any value or an object from a function within custom commands and at the same time if try to use another cy command or commands within that command there might be a case where ended up with the following error.

What’s the problem here?

Let’s check an example:

command.js

Cypress.Commands.add('generateUser', () => {

....

...... const user = {

...

...

}; cy.log(user); return user;

});

test file

describe('test description', () => {

it('example 1', () => {

cy. generateUser ().then(data => {

cy.log(data);

})

})

})

When run above test file it will be ended up in the following error.

Next, how to fix this?

The simplest fix is to chain the command used as follows.

command.js

Cypress.Commands.add('generateUser', () => {

....

...... const user = {

...

...

}; cy.log(user); return cy.wrap(user);

});

What’s happen when chain the command.

When wrapping the promises returned by the application code, cypress commands automatically wait for a promise to be resolved (in above scenario cy.log()) before continuing with the yielded value for the next command or assertion.

Find more details about cy.wrap()

Happy Testing !!!!
Power of the k6: Observability of the Databases
By: Yusuf Tayman
Tags: K6, Testing, Load Testing, QA, Database

The slowness of database operations from time to time can infuriate users and developers. So why do we always encounter these errors? In fact, we do not observe very simply, the problem occurs before our eyes and we do not take it into account, thinking that it has always been instantaneous. But momentary problems can create serious problems for us in the future.

For example, most e-commerce applications experience constant crashes during Black-Friday times. In fact, the reasons for this can be determined in advance. We ignore it. We do not go over the problems, we can no longer explain these crashes to users.

The problems ahead are actually very clear; scaling, read-write speed, data security, backup, wrong machine selection are our main reasons. We can identify and prevent all of these database problems with load tests.

With load testing, we will essentially be free of manual workload. Normally, instead of looking at these problems manually, we will be able to quickly see what kind of results on which database or what kind of performance problem there is with a load test.
All About Universal Account Number (UAN)
Tags: Investors, Investment, Finance, Invest, Education

Universal Account Number or UAN

Let’s figure it out:

Universal Account Number (UAN) is a 12 digital number that every employer contributing to EPF has (The Employee Provident Fund Organization (EPFO) allots it). UAN of an employee remains the same even if she/he changes the job. But, if an employee switches job, EPFO allots a new Identification Number (ID) linked to the UAN. You can also put-in the request for this new member identification number by submitting UAN to the new employer.

Benefits & Features of Universal Account Number

Here:

Universal Account Number helps to centralize employee data.

It brings-down the burden of employee verification from employers and companies by EPF organization.

Useful for EPFO for tracking multiple job switches of employees.

It helps to extract the bank details & KYC of the member & KYC without any help from employers.

Early & untimely EPF withdrawals have reduced considerably with the introduction of Universal Account Number.

Advantages of Universal Account Number to Employees

As given below:

Easier to withdraw (partially or fully) PF online with UAN.

Every new PF account will come under the criterion of a single unified account.

The employees can transfer PF balance from old-new using UAN.

The time when you are required a PF statement; you can download instantly by logging-in using UAN or member ID or sending an SMS.

No need for new-employees to validate their profile if the UAN is KYC and Adhaar verified.

Easier for employees ensuring that his or her employer is regular in depositing their contribution in the PF account.

Documents required to open UAN

Following:

Bank account information — Account number, branch name, IFSC code.

ID proof — National identity card like Passport, Voter ID, Aadhaar, Driving License, SSLC book; any photo-affixed.

Address proof

Aadhaar Card

PAN Card

ESIC Card

Things to Keep in Mind whilst using UAN

Here:

UAN is given to all PF account holders by EPFO

UAN details must be downloaded & given to the employer

Furthermore, UAN is passed on to the concerned employee of the company

EPFO web-portals will help in checking the UAN allotment

Registering the UAN

Steps that can be followed:

Visit EPF member portal

Activate Universal Account Number by clicking — Activate UAN

Provide information about your UAN as asked

Click on — Get Authorization PIN (It will be sent on your registered mobile number).

Enter the PIN to verify the request

Create a username & password for the UAN portal.

For further reading about mutual funds, visit our LEARN section.

“Are you looking to invest? How about opening your account with Gulaq & start investing in Direct Mutual Funds? Get in touch.”

Source: https://www.gulaq.com/all-about-universal-account-number/
Episode 292 (podcast) Wes Barton from Third Prime
By: John Siracusa
Tags: Investors, Fintech, VC, Founders, Podcast

Every week I talk with impressive fintech leaders and entrepreneurs, through conversation uncover the remarkable stories behind them, their creations and the most important topics in fintech.

You can subscribe to my podcast and stay up to date on all the stories here on iTunes, Google Play, Stitcher, Spotify and iHeartRadio

You can listen to this episode below.

In this episode I chat with Wes Barton, co-founder and Managing Partner of Third Prime. Wes is a tobacco farmer turned VC, Third Prime is a venture capital firm that likes to invest in entrepreneurs shaping a better future for humankind. An example of those companies are Petal, Octane Lending, Climb Credit and LoanStreet. Third Prime invests big in big ideas.

Tune in and Listen.

Subscribe now on iTunes, Google , Stitcher, Spotify and iHeartRadio to hear next Tuesday’s all new episode with Nathaniel Harley from Mantl.

About me:

I’m the host of the ‘Bank On It’ podcast recorded onsite in Wall Street at OpenFin, and ‘Before the A’ podcast recorded onsite in Flat Iron at Barclays/Techstars Rise NYC. Stay in the fintech know by subscribing to ‘Bank On It’, ‘Before the A’

Follow me on LinkedIn, Twitter, Medium
If a startup founder doesn’t follow up, should I pass?
By: Nathan Ganser
Tags: Angel Investors, Investors, Seed Investment, Early Stage Startup, Personal Crm

As an early investor (angel or seed investor), there are thousands of potentially interesting startups that you might invest in.

The issue is that it’s so early! Some companies have users, some have tech, some have a great team, some have revenue, and so on. But more than ever, at this early stage, it’s extremely difficult to figure out which eggs are the good ones.

Because any filter or criteria is so random at this stage, we see a lot of investors who select criterias based on how simple they are to be applied. The simplest and most famous one being: If a user does not follow up, I pass.

Why it’s a good idea

Simple to set up

It’s extremely complex and time consuming to follow up with all the founders you’ve reached out to or been in touch with. If you use Streak or any other CRM tool, your funnel is already complex enough and trying to follow up with everyone would suck up too much of your time.

Why it’s a bad idea

It’s a bad criteria

If a founder doesn’t follow up, he might be:

Busy working on his startup

Talking with other investors

…

In both of these examples, the fact that he didn’t follow up is actually a good indicator of future success, and passing on such a founder might turn out to be a very bad decision.

It does not optimise for time

A startup founder might be a bad investment today and fail, but use his learnings to start a second company which might become a really good investment. In such a case, removing him from the funnel in the first place was a really bad decision, but it would have happened anyway, due to the system’s design.

Wouldn’t it be great if you just stayed in touch with this founder and invested later on?

From funnel-based, to relationship-based

CRMs are funnel-based by design. You have a list of founders at the top of the funnel, you meet, you do your due diligence, present to an investment committee, come up with a term sheet, … And at every step of the funnel, some will churn because you decide so, and some will churn because they forget to follow up and you’ve got 240 other startups to worry about.

The better solution

At Nat.app, we think that investments are mainly done based on the founding team. That’s why we’ve built a CRM that does not have any funnel feature.

Instead, we’ve built an algorithm that looks at your email & calendar data to figure out your relationship strength with every single founder you’ve talked to and simply let you know when you’re at risk of losing touch. This lets investors become humans again and focus on building relationships with founders, rather than dragging them down a funnel.

We’d love to have you as a beta user, let’s have a call!
Why Do Some Stocks Rise After an Earnings ‘Miss’ (Or Fall After a ‘Beat’)?
Tags: Earnings Report, Investors, Disney, Stock Market, Stocks

Corporate earnings, much like beauty, are in the eye of the beholder. Stock prices follow the direction of sales and earnings over long periods.

Yet there are times when a beat to consensus estimates is punished and a poor quarter rewarded. I observed this many times in my 15 years as a Wall Street analyst, and I think it’s important for all investors to understand what dynamics are at play here.

Expectations

A key factor is investor expectations. Expectations are an outcome of guidance set by companies for earning per share (EPS) and revenues, which are then refined by analysts, who raise or lower their forecasts based on company and industry trends. The projections are published as ‘consensus estimates,’ by various services including Refinitiv and S&P.

There are many cases where the consensus estimate is higher or lower than company guidance due to events during a quarter (e.g., more discounting, better pricing, etc.) so it’s important to follow news and estimate changes.

An ‘inflection’ occurs when reported earnings are starting to get worse or decelerate (referred to as ‘peak earnings’), or the reverse (‘trough earnings’). These are important events that have their seeds in 1) profit margins, which benefit from cost cuts and efficiency initiatives as companies adjust to difficult periods, and 2) revenues, which could benefit from new products, for example.

Sector-Specific Metrics

A second key factor for stock performance following an earnings release relates to metrics for a given sector. Analysts and investors quickly move beyond headline EPS and sales to assess key metrics for what they say about the future. For example, inventory is an important measure for retail stocks, while average selling price is an important metric for tech companies. Sales backlogs are a common barometer for a range of sectors.

Some of these metrics are in earnings releases, but many are discussed by management in conference calls, which explains why a stock can be up on a headline beat, and down following a conference call.

Putting it into Practice

One example of how this played out recently is Disney’s FY1q20 results, which beat on the top line (revenue) and bottom line (profit or net income) but also introduced a metric for Disney+. Disney (DIS) stock performed well into earnings on rising optimism about Disney+, but declined when management discussed potential weakness for FY2q20 and raised investor concerns about whether key Disney+ metrics are sustainable.

Screenshot: Tornado

The Bottom Line

Often it’s not just what a company reports that’s dispositive for stock performance, it’s also what investors expect a company to report.

Keep up with the latest developments, pros/cons, and high quality discussion on Tornado. If you have any questions on a stock you can also ask former Wall St. pros (e.g., former Institutional Investor-ranked and multibillion dollar fund analysts).
Zerodha vs Sharekhan — Best Points Sharekhan vs Zerodha 2021
Tags: Investors, Investment, Stock Market, Stocks, Investing

Zerodha vs Sharekhan — Best Points Sharekhan vs Zerodha 2021 Profitmust Jul 6·2 min read

Sharekhan is a Full Service Broker that was founded in 2000. It trades on the BSE, NSE, and MCX. It has 2800 locations throughout India. Zerodha is a discount broker that was founded in 2010. It trades on the NSE, BSE, MCX, and NCDEX. It has 22 locations in India.

Zerodha vs Sharekhan

Before talking about Zerodha vs Sharekhan, Let’s Talk about What is Shrekhan & Zerodha:

Shrekhan

Sharekhan is India’s third largest stock broker, having been founded in February 2000. (after ICICI Direct and HDFC Securities).

Sharekhan offers trading platform via its online trading platform Sharekhan.com and 1800 offices in over 550 locations across India, including branches and franchisees.

Sharekhan has grown tremendously over the last ten years, thanks to its highly popular online trading system and a network of franchisees in nearly every area of India. Sharekhan also has a global presence.

Zerodha

India’s №1 brokerage is Zerodha. It is the world’s biggest and most famous online discount trading firm including solutions in equity, currency, commodities, initial public offerings, and direct mutual funds.

For stock delivery transactions and direct mutual funds, Zerodha charges no brokerage. It charges a flat Rs 20 or 0.03 percent (whichever is lesser) each intraday and F&O trade.

The highest fee you pay with Zerodha for any trade is Rs 20 for each order (of any size, amount or section).

Difference Between Sharekhan and Zerodha
HOW TO BECOME A BRAND
By: Goodness Chima Oezima
Tags: Startup Failure, Investors, Funding, Product Development, Business Development

Whether you are a small business or not, it is not enough to think you have what it takes to scale a business when you barely understand what it takes to start one or even build a brand.

One mistake you are making right now is, you are either thinking your fat funds (money in the bank) is very fat that customer acquisition will be made easy through ad buying or you are thinking every problem is a problem and customers will be swept off their feet with your product idea.

Why not start from the basics!

How much do you know about the world of business?

1. “We built a company before we realized that we’re a startup”. Annan, Founder of KuBitX

KuBitX is a crypto startup that failed. After seeking answers for their failure, they realized that a mere not knowing “who they are” was part of the mistake that led to their shut down.

Are you a startup or a company? What is the difference by the way?

A startup is a temporary organization in search of scalable, repeatable and profitable business model.

It is a venture still at the learning stage whose primary goal is to find a workable business model. A startup is still trying to find out more about what they are selling and who they are selling to.

A company has a business model and is already executing one.

A company already have a market and has higher potentials for brand building.

What then about becoming a brand?

Building a brand is all about creating experience that people want to sleep on.

You don’t want to build a business that people will find it difficult to trust or easy to forget. Monitoring how you are relating with existing customers, potential customers and their feelings towards you, “must” form part of your strategy for growth.

What does your adverts say about you?

What does your salesperson know about the customer that just interacted with your product?

Do you recognize the limits of your product and innovate or better still, stretch it’s strength?

2. Don’t assume customers will always want to pay for your “innovative product”.

They may just not like it. Don’t force them to like it, instead, research more and find out if what you call a solution is just a mere joke and waste of time for them. If so, stop building and start iterating.

Spend more time in product research than product development. Invest more in consumers' behavior and build with data that matters.

Do you test your product feasibility before launch?

How much do you know about your product and the market it is entering?

Is the excitement about your product based on what consumers think or what you think?

3. Choose a team whose traits and skills will maximize your chances of success.

Out-sourcing your product development may seem cheaper depending on the situation but not for a long time.
Introducing Salim — Ambassador of Bulgaria!
Tags: Event, Conference, Startup Conference, Investor, Startup

We would like to introduce our ambassadors of PIRATE Summit 2019 to you! Today you’ll get to know Salim Virani, our ambassador of Bulgaria!

Who are you & where are you from?

Sal — formerly a Londoner and a Vancouverite, now a Sofian.

Describe your current job in a few sentences.

Developing the craft of peer learning.

How often have you been to PIRATE Summit?

More or less every year until 2016.

What was your best experience at PIRATE Summit that helped you personally or with your business?

Running PIRATE Camp with Manuel and Till was big learning experience for me, but every year there’s been a conversation with a founder or two that’s got me inspired and thinking differently.

How would you describe the PIRATE Summit experience?

A festival of inspiration for founders.

Please tell us the funniest/weirdest/most memorable story or situation you experienced at PIRATE Summit.

Pornhub guys talking about football fans viewing stats.

If someone were to ask you “What makes PIRATE Summit worth to attend?” — what would your answer be?

It’s a big getaway with our kind of people. It’s not a startup event where people need to pretend, but a safe place for us to be ourselves and talk openly about what matters. And it’s kind of a rite of passage for European founders — you know when people have been to PIRATE.

PIRATE Summit is Europe’s largest invitation-/application-only conference for early-stage startups, investors and corporate executives. PIRATE Summit represents true grassroots entrepreneurship: authentic, crazy, and real. Learn more about PIRATE Summit here!
What Is Pieta Coin And Why Is It Becoming So Popular?
By: Pieta Coin
Tags: Blockchain, Investors, Ecosystem

Pieta is an ERC-20 token which supports the world’s first operational solar-powered blockchain mining project. Pieta was founded with the aim to reduce the cost involved in crypto mining in order to increase profitability as well as make the mining affordable, accessible and environment-friendly.

The Pieta token is the native currency of the Pieta ecosystem. It has been launched with the purpose of raising funds for the development of a solar-powered mining platform.

The token will be sold through the Pieta ICO sale to investors who choose to become a part of the Pieta ecosystem by investing in the project.

Pieta token will give its holders the ability to purchase cost-effective mining power (solar energy) along with customized mining hardware and contracts. This is particularly beneficial for the miners who are looking for cheaper ways to mine more profitable coins.

Pieta token will be later transformed into a minable and tradable cryptocurrency — Pieta coin.

Pieta coin will be a digital currency and provide a seamless method for performing transparent and global digital transactions, the same as bitcoin and several other currencies. But, that’s not the best part.

Since Pieta is the native coin of the ecosystem, it will be the first and primary currency to be mined through the Pieta’s revolutionary solar-based mining platform.

The key point here is that the miners will be able to create more coins in less time and earn more profits as the initial investment will reduce due to Pieta’s unique solar-based mining hardware, which aims to reduce the consumption of energy in the mining process.

Moreover,

Pieta will also protect the environment from the negative impacts caused by high energy consumption, which usually results in the release of harmful greenhouse gases.

In short,

The buyers and holders of pieta token can purchase the new mining hardware at a very low cost and can use it for the mining of pieta coin and several other cryptocurrencies. This is the primary source of revenue for the platform.

Another interesting thing to note here is that Pieta will share up to 20% of its revenue with the shareholders or investors who purchased tokens during the ICO/pre-ICO sale.

The Pieta coin has been enabled for trading, which means the coins one mined or purchased via any other source can be traded against other compatible currencies for a profit.

The Pieta coin will soon be listed on a number of exchanges, allowing users to trade them for high returns.

As for the popularity of the Pieta coin, it lies in the usability and value of the coin. Pieta coin is highly potential and will have great value once it is launched on the exchanges.

If you still haven’t got your hands on the Pieta token, do it now by investing in the ICO sale. Invest early to enjoy up to 100% bonus.