Thursday, April 12, 2018

Posted On April 12, 2018 by Team iCynosure.

As soon as I started working, I realised the importance of investment planning and tried to find out about ways and means to investment my meagre earnings. As my investment journey was set in motion; I realised that I set out on a trip that was without any direction, without a goal, and without a destination. I made investments without understanding the product, purpose or concept of the vehicle. Friends argued with me about how difficult it would be to understand about investments, but very few actually knew how the entire gamut of financial planning worked. I first realised that investment planning without a well-thought-out financial plan does not yield the desired results. 

The general notion among novice investors like myself is that financial planning and investment planning are the same things, but, financial planning is the larger spectrum that includes investment planning. Without any doubt, investment planning plays a very important role in a successful financial plan, but it is not comprehensive in itself. However, it is imperative to understand the difference between the two, to truly improve your financial health. 

In layman terms, financial planning is a professional and realistic plan of organising money for the entire cycle of your life. This realistic financial plan is the evaluation of your current financial situation and a forecast of your future financial situation, that enable an advisor to plan your savings, expenses, taxes, term insurance, investments, asset, and last but not the least retirement. A good financial plan will enable you to achieve your short, medium and long-term financial goals, and will have to be revisited and altered at important junctions in your life. 

In simple terms, investment planning is a systematic and consistent plan to allocate your resources to maximise the returns. This consistent plan is the structured method to continuously allocate the funds to investment vehicles even when the growth isn’t as much as forecasted, that enables an advisor to act on behalf of you and execute a pre-decided investment structure factoring in risk, diversification, and returns. A good investment plan will enable you to make decent profits even during market volatility and establish a good base for your financial plans. 

The next question one would ask is when the right time is to start planning your finances. I would say it is TODAY, no matter what your age is. With every passing year there will be new challenges and with every passing decade, there will be new expenses that have not been accounted for. Both investment planning and financial planning are customised solutions and the most appropriate way to move ahead confidently would be to seek professional help. The way forward would be to work with a certified advisor to analyse your financial life, access your risk appetite and decode the best plan that will help you live your life the way you ought to.

Don't take your financial health lightly, it is as important as your physical and emotional health. 

Until next time,
- Heena

About Aegon Life:
A joint venture between Aegon – world’s leading financial services and Bennett, Coleman & Company – India’s leading media house, Aegon Life Insurance launched its pan-India operations in July 2008. Armed with a vision to be the most recommended new age life insurance company, Aegon Life adopts the power of global expertise by leveraging digital platforms to bring transparent solutions, and to prioritize customer needs. Our financial planning and investment solutions include term life insurance plans, pension plans, unit-linked insurance plans (ULIPs), health insurance plans, child education plans, and more.

Thursday, April 05, 2018

Posted On April 05, 2018 by Team iCynosure.

India is a country of traditions where every festival, every occasion, every celebration is a multi-day affair; some with super intricate rituals and numerous functions. And those are the days when we throw caution to the wind and indulge in the extremes, be it elaborate decorations, sumptuous food, crazy music or traditional fashion. Ethnic wear and Indian celebrations go hand-in-hand. However, most people make the mistake of de-accessorising ethnic wear, which ultimately ruins the entire look. Fashion trends come and go, but the staple look always remains the same - a great outfit, complimented with beautiful traditional jewelry, flattered by some gorgeous heels and completed by designer handbags

As a fashion stylist, I would at times compromise on things other than a handbag, but I know for a fact that only a perfect, outfit-appropriate hand accessory can do justice to an ensemble and make the person an iCynosure of the occasion. Not many think about a handbag when the outfit in itself is so enchanting. The easiest thing for anyone would be to dig into the pool of handbags, that you think will be complimentary and head out. But that sure isn't going to make any heads turn. You need to know which type of bag you shall need and when to carry it to look like an ace in the fashion game. 

Potli Bag - Old World Charm
The potli bag has undergone some serious changes from the days our great-grandmas carried them until today. With new twists of embroidery and embellishments, the simple ladies carry purse has now taken the fashion world by storm. Perfectly complimentary with a saree, choli and even anarkali, the potli bag is now the most sought-after bag during Indian celebrations. The craze can be seen with every celebrity carrying designer potli bags and flaunting them away. 

Clutch Bag - Lets Box It
A clutch bag has come into the spotlight for its structured shape, eased utility, effortless manageability, and overpowering appeal. The clutch bag steals the show at every occasion, especially when in multi-coloured hues or single toned in gold or silver. Perfectly complimentary with semi-modern traditional wear such as salwar kameez, half saree, etc; one can buy clutches online from numerous designer stores. One can even get a clutch personalised to redefine their individual style statement.

Minaudiere - Tiny Royal Wonder
The most modern yet most un-apt bag that works wonders with traditional Indian outfits is the new age minaudière. The cute little royal wonder is the first choice of a true blue blood fashionista, that will take you from good to great. Perfectly complimentary with modern ethnic wear like saree gowns, cape sarees, lenghas, etc; a minaudière though a bit too small to fit in all that you may need is a great way to show off your personal style and strut like a pro. 

Do you agree with me? Let me know in the comments which are the types of bag you like to carry with your ethnic wear and why? 

Until next time, 
- Heena 

Thursday, March 22, 2018

Posted On March 22, 2018 by Team iCynosure.

I’ve always been a travel buff and my travels used to be spontaneous with spur of the moment plans. It really helps that DH also enjoyed exploring new places just as much as I did and was willing to throw caution to the wind during our travels. After #PrincessHeer was born we were extremely cautious about taking off randomly and started planning our holidays more meticulously. Over the last few years, we’ve learned a lot about what makes or breaks a holiday with a child. And we’ve also learned how travelling with a child is different from travelling in a group with many children. Just a few days earlier, my cousin, a new mom called me to ask zillion questions as she was to embark on a journey with her newborn for the very first time. I could hear the panic in her voice, similar to what I felt years ago with Heer. 

In preparation for her trip, I shared with her some of my most useful baby travel tips. However, since she was travelling alone, I also included an essentials list that I realize most moms overlook, putting the onus of these on the dad. 

The absolute essentials when travelling, with a child:

Passport and Visa

A valid passport, usually with a minimum of six months validity is required for all international flights. Numerous countries offer a visa on arrival, however, with an Indian Passport, many countries still require a visa to be organized before the travel day. So, do ensure that passports are checked and visa received for a smooth check-in, custom, and immigration process. 

Travel Insurance

Apart from a visa, the next most important thing to obtain is a travel insurance to have the peace of mind should anything unexpected happen. You can get travel insurance online that will cover any issues that may crop up due to an accident, cover lost or stolen property and even help with flight delays and cancellations which may otherwise prove to be very expensive. 

Consent Letter

When a child is travelling with one parent or with someone who is not a parent or a legal guardian to some countries, the accompanying adult should carry along a consent letter signed by the other parent or both the parents that they have permission to do so along with a bridging document like a birth certificate where both parents’ names are listed. It is important to get the letter notarized. 

Get Vaccinations

Depending on your holiday destination and the kind of activities planned, it is important to check for any necessary vaccinations that may be needed before you travel. The safety and health of your child and your family are of utmost importance and sometimes you may not be able to travel without having undergone some tests and being vaccinated. Talk to your family doctor if you have any concerns.

Yes, the right clothes, the right skincare essentials, and baby food are important as well and as a mother, you will ensure you pack all of that, but the above list is something moms need to ensure as well. 

So, get ticking and packing. 

Until next time,
- Heena 

Posted On March 22, 2018 by Team iCynosure.

“It feels like a thousand bombs are exploding inside my brain”, “It feels like someone is tightly squeezing my head” – these are some of the many ways people describe severe headaches. Although the words might differ when describing how we feel, when a headache occurs, it can give sleepless nights and restless days to almost anyone.

Mild or severe, most people experience headaches at some time or the other. It could be just a passing pain or a symptom of an underlying problem. The first thing you should know is that a headache is not really a pain in the brain. 

Amongst the various causes of headaches, ear, nose and throat issues are the major culprits. Let us take a look at five ENT problems that can result in severe headaches and will require you to visit an ENT specialist without further delay.

Common ENT Problems that Cause Headaches

A sinus infection is a leading nasal problem that often leads to headaches. In India, a sinus infection is more widespread than coronary heart disease, diabetes or asthma. The Times of India has published in 2012 that 1 out of every 8 Indians suffers from chronic sinusitis, which surprisingly is more than the population of Japan! Debilitating headaches, nasal congestion, obstruction, and fever are the major symptoms of sinusitis. A person suffering from sinusitis usually experiences headaches at the same place every time. However, the location of a headache will depend on the kind of sinusitis the person is suffering from. A headache usually starts as they wake up and improves through the day.

Septal deviation
This is a physical disorder of the nose, which involves the displacement of the nasal septum. A deeply deviated septum can create health issues, with migraines and localized headaches being the most common problems. 

Neuralgic pains
These are the intense pain that feels like a sharp, jabbing, electric shock in the back of the head and neck. This aching, burning and throbbing pain, experienced on both sides of the head, can typically start from the base of the head and continue up the scalp. Neuralgic pain occurs mainly due to a damaged nerve anywhere in the body. However, such nerve damage is highly common in the face and neck.

Ear infections
According to an article published by The Hindu on December 25, 2017, ENT specialists in major hospitals across Bengaluru witnessed a nearly two-fold upsurge in ear infections that winter. Although an ear infection is painful in itself, what makes it worse is the intense one-sided pain it causes, which worsens when you press on the bone behind the ear.

If you are experiencing headaches similar to those mentioned above and feel that an ENT problem could be the cause, it is highly recommended to visit a specialist as soon as possible. 

Monday, March 19, 2018

Posted On March 19, 2018 by Team iCynosure.

When people become parents they want the best for their children. All parents have great aspirations for their children and that's what parenthood is all about. Giving your child the best, sometimes even beyond your own means is what parents are capable of pushing themselves to do. I only began to identify with those feelings when I first held #PrincessHeer in my arms. 
There wasn’t a single moment when I didn’t want to stroke her face or nuzzle her ear or kiss her forehead. However, the little one who looked like she had just stepped out of a ‘Baby Product’ commercial began having break-outs in less than a few weeks. A long worried chat with her paediatrician made me realise that there is much more to caring for my little bundle of joy than just basic healthcare. I needed to look into her skincare routine closely as well and did I make that my mission.

Here are those simple, yet extra-special efforts I introduced in her skincare routine to ensure the protection it deserved.

Bathing Basics
Baby skin is the most fragile at the time of birth and has to be prepped up over time. Even though most paediatricians recommend not to massage a baby, the age-old tradition was followed for Heer. We would massage her every morning with home-made almond oil and then bathe her in lukewarm water. We paid special attention to the skin-folds and would let her air-dry or dabbed her gently while avoiding to rub her delicate skin.

Natural Products
Two rules we followed while using baby products for Heer were; to use natural fragrance-free products and to always do a swatch test to rule out allergies. After experimenting with a few brands we finalised on MamaEarth, a safe, toxin-free, international standard baby products brand. I especially loved the Milky Soft Face Cream infused with the goodness of Almond Oil and Murumuru Butter that moisturised the delicate skin, Milk protein that locked in the moisture and Shea and cocoa butter that improved skin texture especially formulated for sensitive skin and cures eczema as well. 

Diapering Essentials
It was one of the most tricky parts of skincare; picking the right mode of keeping her skin dry. With recommendations from friends, we opted for diapers that were soft with all-round protection. While changing, we wiped her skin with baby wipes and applied diaper cream to keep the skin moisturised and rash free. We preferred to alternate between cloth and disposable diapers that allow the skin to breathe, thus keeping the skin soft and healthy, and Heer happy. 

Clothing Prerequisites
Depending upon the weather conditions we got baby clothing in natural fabrics like cotton, linen, hemp, and wool. Breathable clothing allowed Heer’s skin to stay hydrated while protecting it against the harshness of the heat and cold. Another very important aspect of clothing we followed was to wash all clothing before first-time use and also wash them in a mild detergent, the ones free of dyes, colourants, and allergens.

Vital Nourishment 
Skin health and care is as important from the outside as well as from the inside. Just as the doctor ordered we exclusively breast-fed Heer for the first six months, then introduced her to fruit-vegetable pulp and nutritious dals. Over the next few months we started to include almonds and walnuts in her daily intake along with pulses and lentils for protein and vitamins. We also supplemented water with semi-solids and solids to ensure digestion, hydration and overall growth.

I think with these changes, we did pretty good at bringing up Heer. Is there something specific you included in your baby's skincare routine as #mamatakescare that could help new moms? Let us know in the comments below to include the tips in the post.  

Until next time,
- Heena 

Saturday, March 17, 2018

Posted On March 17, 2018 by Team iCynosure.

I’m a ‘six small meals a day’ person, and at around 7:00 pm each evening I’m in a dilemma about what to eat that will not be a roadblock in my fitness regime. At times I struggle not to give into my junk food cravings, and sometimes my evening hunger pangs lead to binge eating that affects my waistline as well as my overall health. However not eating anything at all adversely affects my health and thus I am constantly in search of healthy, low-calorie snack options that are tasty and which will help keep my hunger at bay and my weight in check. 

Let us be honest there aren’t any relatable food options that are light enough for an evening snack while being healthy and tasty. Yes, there is always the option of fruits or a handful of nuts, but there are no real flavours that satiate my taste buds. I remember when I was younger my mom used to toil in the kitchen to make me some amazing soup and a bowl of salad as a precursor to my meal, but those days are long gone and trust me I do not have that amount of quality time to spend in the kitchen. But it has always remained an important memory that I would love to recreate with my little one as hunger does strike us at various times of the day.

And now this memory can be a reality as Marico has launched Saffola Active Soups with 5 times more fibre than any other soup. Each cup is rich in fibre that ensures that you feel full and stay light while relishing your favourite flavour. It is indeed a tasty way to stay fit. The soups are available in a range of flavours like tomato, hot & sour, mixed veg, sweet corn, and manchow, so that you never get bored. The soups are easy-to-make, you just need to add 150ml of hot water in a cup full of the pack contents and savour away. A cup of instant soup has only about 2% of your daily calories required with 5 times more fibre and real vegetables. The brand sent me their newly launched product in an innovative way.

I would definitely recommend Saffola Active Soups to everyone for its lower calorie count as well as dietary fibre that jumpstarts metabolism to keep one fit and light. So forget about your evening hunger pangs and fill yourself with the Saffola goodness.

Until next time,
- Heena

Thursday, March 08, 2018

Posted On March 08, 2018 by Team iCynosure.

The usual reaction to a discussion about a disorder or an illness is ignorance or indifference, in a way that it is irrelevant to the individual's life. I have interacted with numerous people who dismiss the discussions as they believe it cannot happen to them or anyone dear to them. But disorders have started creeping into our lives slowly, and; are much closer to us than we wish to believe.

Over the last few years, the one disorder that I have personally heard a lot about is Thyroid disorder. According to a recent study conducted in eight major cities of the country, it was found that 1 in every 8 adults suffer from thyroid disorders and about 8% may have subclinical HypoThyroid Disorder. It is really crucial to understand that thyroid isn't a disease, it is a disorder where an assigned gland produces insufficient (HypoThyroid Disorder) or excess (HyperThyroid Disorder) hormone that is required by the body to function properly. Unfortunately, many people don't even know they suffer from the disorder and hence it is important to understand the disorder and recognise the symptoms.

One of the most alarming symptoms of thyroid is Thyroweight, an unexplained weight gain coupled with fatigue and tiredness, that is experienced mainly due to the imbalance in thyroid hormone production. Since women experience fluctuations in weight frequently, and hence Thyroweight is often ignored or overlooked and that's when all the problems arise including irregular periods, problems in conception, difficult pregnancy and early menopause. #RuleOutThyroweight initiative is a great platform to create awareness, educate and assist in managing the disorder.

The awareness campaign with Dr. Shehla Shaikh, a renowned consulting endocrinologist and Mrs. Juhi Chawla Shah, a well known Indian actress and celebrity, where both shared their experiences about their experiences with the disorder. Dr. Shaikh explained in detail how the disorder affects women in general and how a simple  Thyroid Function Test (THS) helps identify the severity of the problem. Ms. Chawla reiterated on the fact how the disorder has impacted her husband and father-in-law emotionally and physically, and how they overcame the limitation with a simple and systematic medical approach. The panel busted some popular myths about Thyroid Disorder:

Myth #1: Only Women Suffer From Thyroid Disorder
Thyroid Disorder can affect both men and women. 

Myth #2: Only Older People Get Thyroid Disorder
Thyroid Disorder is most common after age 35, but the condition can strike at any age. 

Myth #3: People Suffering From Thyroid Disorder Would get easily diagnosed
About 70 percent of people with thyroid disorder remain undiagnosed for its generic symptoms.

Myth #4: A Gluten-free Diet Will Cure Thyroid Disorder 
Diet changes definitely impact the thyroid positively, however medication is a must to control the disorder.

Myth #5: When Symptoms Aren’t Bothersome, It’s Okay To Skip Treatment
One needs to be under medication forever if diagnosed with the disorder, however one must consult with the doc to change the dosage/weightage of the pills

Myth #6: Supplemental Iodine Can Correct Thyroid Disorder
Excess iodine can trigger a thyroid dysfunction.

Myth #7: You Can't Take Thyroid Medication During Pregnancy
Without treatment, Thyroid Disorder can result in serious complications during pregnancy to the mother and the foetus.

So armed with all the relevant information, if you notice changes in body weight, sleep patterns or overall behaviour, get a THS done at your doorstep by sending an SMS (ABTSHPincode) to 98706 66333. Once your test results are received you will know your thyroid levels and ascertain whether or not you suffer from the disorder. You can also download the ThyroApp to help you manage the disorder better. You may also come across people or health care providers who may have a difference of opinion, it is ideal to be both informed and empowered to ask pertinent questions and participate in your health care decisions. For more information please visit

Until next time,
- Heena

Disclaimer: I attended a discussion on thyroid awareness facilitated by Abbott India Limited. Any opinion expressed in this blog is my personal opinion and not the opinion of Abbott India Limited. Abbott India Limited does not assume any liability for the content of the blog. The blog post is not meant to be a replacement for a doctor consultation, nor is it a medical recommendation or prescription of treatment for people having thyroid problems. Any reader of this blog suffering from thyroid problems should specifically consult his/her doctor for the same and follow the suggested course of treatment.

Tuesday, March 06, 2018

Posted On March 06, 2018 by Team iCynosure.

Life is all about your #LifeGoals; as a responsible person you must prioritize your goals and identify the most suitable investment products to achieve them systematically. Whether your goals include purchasing your dream home or car, investing for your children education or their wedding, planning for your start-up or retirement; it is important to start early and plan your investments with the help of experts.

I’m planning to invest cautiously with Bajaj Allianz Life Insurance Company Ltd’s newly launched value-packed goal-based Unit-Linked Insurance Plan (ULIP) Bajaj Allianz Life Goal Assure that has been designed to provide investment benefits and life cover to the new generation of investors in India. Pegged as the perfect tool for today’s generation of Life Maximisers, the new age ULIP will be the game changer for the industry for its unique benefits that are one-of-a-kind for a ULIP in India. The return of life cover charges guarantees life cover when the policy matures, enhancing the value of the corpus on maturity. At maturity, if the maturity benefit is opted as instalments over a period of five years, the sum will receive the benefit of return enhancer, which is an addition of 0.5% of each due instalment, whilst the fund value will continue to participate in the funds opted for.

Apart from the benefit of the Return of life cover Charges, Bajaj Allianz Life Goal Assure offers varied Portfolio Strategies where investors can opt for an investment style (Investor Selectable Portfolio Strategy, Wheel of Life Portfolio Strategy, Trigger Based Portfolio Strategy or Auto Transfer Portfolio Strategy) that will assist to accomplish the set #LifeGoals. Unlimited fund switches that are available under the Investor Selectable Portfolio strategy, and tax benefit during maturity that can be claimed under section 80C and 10(10D). 

The ULIP Funds of Bajaj Allianz Life Insurance have over the last few years consistently delivered one of the best CAGR returns, beating the benchmark indices and enjoying high ratings. Another merit of the product is the way transparency has been provided to investors through, with tools such as Risk Xplorer, Goal-based journey, Returns Calculator and much more, making it convenient for investors to make informed decisions through a detailed guide through the planning and purchase to ensure no hindrance to the Goal-based journey.

Log to the product page ( to know all about the Life Goals Assure. 

Until next time,
- Heena

Wednesday, February 28, 2018

Posted On February 28, 2018 by Team iCynosure.

I belong to that troop of footwear lovers who require a different pair of shoes for different occasions, feeling more grandiose with tons of ladies footwear all around me to escape the mundane. I pretty much buy a pair whenever I go out shopping…and that would essentially add up close to an obnoxious two dozen pairs a year, setting me back by a minimum of 40 grand a year. And the worst is that some of these pairs do not even get to see the light of the day.

However, since I consider myself such an expert, I believe you must choose a pair that’s right for you instead of following trends, follow the wriggle rule and try different sizes, and buy neutral colours, patterns and styles that are classic. With that, I also present to you a list of shoes that every girl must have. 

Slippers are an essential pick in your shoe closet for all the casual outings and laid-back days to unwind. From going to summer brunches to shopping sprees or a stroll on the beach or simply lazing around, ladies slippers are your best bet.

Pumps are true style icons that never go out of vogue with the pointed toe and slim heel. They are elegant and classy, both at once. From party nights to a dinner date, a pair of pop-coloured pumps is the only head turner you need to have.

Sneakers with just about any outfit are a major trend today. These are not only super comfortable but also ensure you stand out in a crowd. So no matter where you're going or what you're wearing, pick the sneaker look and you are set.

Ballerinas are the go-to comfy shoes that are chic and stylish in their own way. Ballet Flats are perfect for when you want to channel your feminine delicate persona in your everyday work or fun look.

Block Heels
Block heels are perfect to stay trendy while being comfortable. Block heels make a bold fashion-forward statement that transforms from delicate to meaningful within seconds. Create balance by keeping the outfit light with block heels.

I am looking forward to adding a lot more to my shoe cabinet this year. What’s your pick out of these beauties? Share it in the comments section below.

Until next time,
- Heena

Friday, February 23, 2018

Posted On February 23, 2018 by Team iCynosure.

Maxi Dresses have such charm and aura to them that the trend is surely not going to cool down for seasons to come. Layer them with cozy jackets or wrap around warm scarves, maxi dresses are still the best bet. My inclination towards dresses has grown in the recent times for the effortlessness of an outfit and ease in styling. I follow a simple principle by combining colours, cuts, and patterns to create a simple yet stylish look. I tend to follow my heart and don a maxi dress as it is one of the most straightforward pieces of clothing to style. So, there is no stopping me from adding few more of these beautiful dresses to my closet.

A maxi makes me feel so happy and relaxed especially when they don’t make you try hard to look good. They simply strike a balance between glamorous and casual, to create either a classy or a daily look. Either style with flats or with heels, maxis can be perfect whether you go for a brunch or to the beach. Prints, colours, silhouettes, one can try anything and still be comfortable in the manner the dress fits on them. 

A couple of tips to flaunt a maxi dress in the best way possible… 
§ Pick a maxi that accentuates the waist 
§ Opt for strappy sandals with maxis
§ Go with a flow silhouettes

I picked this gorgeous maxi dress from Amazon, from a relatively new brand Bronz. It mesmerised me with its amazing splash of colour, in an A-line silhouette, sleeveless and full length in 100% rayon that makes it perfect for those amazingly cozy vacations.

Dress: Bronz via Amazon, Shoes: Yahe via Amazon, Bag-Sunglasses: Zaful

Until next time,
- Heena

Wednesday, February 07, 2018

Posted On February 07, 2018 by Team iCynosure.

Wouldn’t it be great if we had tons of money to fund all our expenses, without a care in the world. 

Unfortunately, that is not the case with most of us. Including yours truly! Sometimes I do go overboard with my expenses and end up needing to borrow, and the best possible solution is to get a personal loan. A personal loan is a diversified credit option that is easy to access, unsecured yet flexible and is offered at a decent rate of interest. In simple terms, a personal loan is a convenient solution when you are cash-strapped.

Here are three situations when a personal loan is a good bet to get you sorted:

Debt Pay-Off
If one does have varying amounts of debts from creditors including amounts payable against credit cards, each instrument would have its individual rate of interest, varied due dates, late charges, etc. This may lead to mismanagement of payments, which may then incur higher interest, negatively impacting credit scores and a host of other issues. Taking a personal loan to consolidate your debt, pay off all outstanding creditors and be left with a single payment schedule to follow will ease out all your debt worries. 

Medical Emergency
Of course, this isn't the ideal situation but when either your loved one or you are unwell and there is a  medical emergency it is best not to wait for the approval of cashless claim on your health insurance. You need money, and taking a personal loan will prove beneficial to not only your financial health but also your physical well-being.

Launch a Start-Up
Starting a business or diversifying your work is all about initial investments. Taking a personal loan to kick-start the process is a good way to show commitment as well as get the cash flowing. 

Personal loans are always favorable as they have a fixed repayment term, between two to five years and come with a fixed rate of interest. However, it is advisable to compare the terms and costs of the loan and borrow within your credit limit.

Have you ever got a personal loan? What was your experience?
- Heena