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Life is very much unpredictable and we have no control over it . Hence the wisest decision is to protect future by planning your finances in proper way. People normally buy life insurance policies to secure their future and their family's future. But are you sure that you are planning your finance in a right way or not ? Ask this question to yourself and you will gonna blank i am sure.


well. leave that.. just imagine ,when you will become financially weak and not able to cover the monthly premiums ,then.. This case happens mostly after age 60-65 when a person take retirement from his/her job. That time there is an option to sell your policies and to get a surrender value of your life insurance policy. Are you finding all these terms difficult to understand ?  Let me clear everything for you..

There are several reasons to sell the policy in the middle . Like i said earlier ,if one is unable to pay the premiums , then can sell their policy. Again if someone has a need of urgent money and has no cash near by ,then that person can sell his/her policy . Another reason is , if you have no one in immediate  relatives or closed ones who can claim your policy after your death ,then you can sell your policy to get the cash surrender value to full-fill your needs.



These are all the reasons to sell your insurance policy ,then you must be wondering on, what is cash surrender value. So let's talk about that.

Cash surrender value of life insurance policy is the amount of cash that you can withdraw  if you surrender your policy to your insurance company and allow it to lapse . When you surrender your policy ,you will no need to pay the further premiums. The cash value you are getting after surrendering  will vary according to variety of factors. When you pay any type of cash value life insurance policy such as universal life policy or whole life policy , some of the money of your premium goes to the death benefit protection of your policy. Some money goes under  different costs of your policy. And the rest amount is deposited into the cash value of the account. You will get more cash value if your policy is more older. Such as if your policy is 30 years old ,then you will get much more higher cash value that your 5years old policy.

If you are worrying about the taxation of your cash surrender value , then no need to worry ,because most of the time the cash surrender value comes under tax free . Isn't it great ?

Well, there are so many companies and agencies which can help you to plan your finances, to sell your policies and to get your cash surrender value ,etc. But you never know who are fraud or not and their charges also very high. In this case Mason Finance comes into limelight .


With Mason finance you can get a clear view of your estimation within minutes. Everything  is so transparent there and you will get all detailed information regarding your settlement and cash value without much effort. Hence you can consider Mason finance if you are interested in planning your finance or selling your policies,etc..


** Images - Pixabay and mason finance

If you have a new born  or small baby, then baby wipes come very handy for you..  On a typical day, you need to change the baby's wet diaper 3-4 times of more and each time baby wipes come handy to clean the poop and also to avoid dirty hands.  In that case of your wipes are not of good quality ,then your baby may end up having serious rashes on his delicate skin . Except that we often use wipes to clean baby's hand, face ,toys, etc..   Hence it is very important to choose good quality and natural baby wipes for your baby.

Hello pretty ladies.. how are you all doing ? Just tell me one thing very honestly that , do you love waxing or epilating during winter specially ? I don't like to do at all . I prefer either shaving or trimming my body. It's too cold and i just can't bear the pain any more.. In fact by the time i came to know that i am pregnant , I stopped waxing and epilating my skin as i believe that if i will hurt then my baby will feel the pain too. I don't know if it is true or not but that's completely my thinking.. Another reason is I don't get time to visit salon these days because of my naughty toddler at home . Hence I prefer trimming my skin at the end..


My last trimmer has broken ,so I bought another one from amazon . I had also un-boxing and reviewed that in my insta story and some of you asked me review this on blog.. So let's start to know more about this Maxel Professional Electric Body Trimmer..



Price - Rs1499/- but I got it on discounted price at Rs379/- from amazon.

Available on Amazon, Flipkart , Snapdeal

Hi guys,

Today I am going to share my experience with Nelf USA colossal eyeliner in shade 'Blue Sapphire ' . I got this inside one of my fab bags last year and have not used it till now.  Few days ago while decultering my makeup stash, I found this one and started using .  So here is my experience with this eyeliner cum kajal pencil.


Price - Rs150/- for 1.1gms.
Shelf life - 3 years from mfg.

Availability - Not easily available..  Got it inside fab bag ,so do check out fabbag's website.

The Nelf USA colossal eyeliner comes in a regular pencil form. Initially when I got it, I thought it is a retractable pencil but it's not actually . You have to sharpen it every time which i don't like to do. Another thing is the tip is quite bend kind in mine . i don't know if mine is a defective one or these are like this only. There is no sharpener with this liner which is again a down point. There is an outer cardboard box which has all the info regarding the product.




The shade Blue Sapphire is a very pretty vibrant teal green shade . It has very fine shimmers in it which is not harsh on skin yet looking little shiny. I love the colour . The texture is so creamy and soft . It glides on eyelids like butter and doesn't tag or pull. As it is so soft ,you need to be careful while applying otherwise it will break . It gives so smooth and precise application.




The colour is decently pigmented . It looks more vibrant on hand swatch but not look that much brighter  on eyelids. Because of the creamy texture ,it doesn't stay more time on eyes. Means if you have oily eyelids then the staying time is less as compared to dry eye lids. It is not waterproof or smudge proof but also not remove away easily .

Pros..- 

1- Beautiful bright teal green shade
2- Creamy ,soft texture
3- Glides smoothly on eyelids
4- Decently pigmented
5- Affordable

Cons..-

1- Not available easily
2- Have to sharpen each time
3- No sharpener provided along with
4- Not waterproof or smudge-proof .

Rating - 2/5 

Final Verdict - I like the shade but not the packaging . And also we can have better options at this price from other brands too. I won't recommend anyone to try out this range .. 

Hope you found this review helpful. See you in the next post with another exciting topic,till then stay blessed..

xoxo..

Hi girls,  hope you are doing good.  I am super excited today because ,after a really long gap I am going to review a lip product.  As you all know I am a lipstick addict person . I do buy lipsticks, lip creams,  lip liners very often but these days I have controled the shopaholic inside me and stopped buying things randomly.  Well,  during the New Year sale I guess I bought few makeup stuffs from nykaa and other websites.


So that time I got this NYX soft matte lip cream in shade Cannes  and along with this I got another lipstick from NYX of same price as free.. Isn't it cool ? I love NYX soft matte lip cream range. I have already three shades from this range, hence I was quite sure about the quality and grab this nudish shade this time..  Do read below to find out whether it was a smart purchase by me or not .

Price - Rs600/-

Available on Nykaa.com

Packaging -




The NYX soft matte lip cream has the regular liquid lipstick packaging. As these are colour coded hence easy to choose the shade. The cap is matte velvety black colour which makes it look classy. The applicator is the regular one but applies perfectly in lips. Few information is on the tube itself.  The shade name is written at the bottom of lip cream.


Shade & Texture -

The shade Cannes is a really pretty nudish pink shade with warm undertones.  It is a regular wear kind shade, not very overwhelming which I like the most.  You can carry to work without any hesitation.  On the tube itself looks more brown-ish kind but in real it has pink tone in it.  I love how natural it looks on my lips. It has very sweet vanilla fragrance which I like .


 Like the name said ,it has creamy texture and mousse consistency. It feels like butter on lips.  It glides very smoothly on lips without tugging or pulling.  It settles into a powdery matte finish look. This is really light weight on lips and doesn't feel dry either. But if you have dry lips like mine, I would suggest to prep your lips before hand to get that fuller plumy lips and also lipstick stays longer in moisturised lips.

Pigmentation & Staying Ability -

The shade is quite pigmented. You need two swipes to bring the full opacity.  After settle down it stays for around 6-7 hours without any heavy meals in between. The shade is not fully transfer-proof but stay intact for longer time.







Overall I love this shade.  I can wear it all day long and these days I am wearing it non-stop.  Very pretty nude shade I have came across so far..  Do get one for yourself without any hesitation.

Rating - 4.7/5 😊

Hope you found this review helpful.  See you in the next post with another exciting topic. Till then stay beautiful ..

Xoxo.. 😄

Heya girlzzz..  Hope you all are doing good.  The new year is being so kind to me till now as I am shopping a lot these days.  Well,  recently I came across a site named FashionMia.com and totally loving their collection . If you are so much into fashion and trendy stuffs then this site is for you..  As the site name saying, you are going to get all of the latest trend and most into fashion cloths and accessories  here.  I am completely overwhelmed after seeing the collection and added few stuffs into my cart.  So today I will share my wishlist from the site with you in this post. Also I have ordered few cloths from Fashionmia which I will share in another post..



FashionMia is an international shopping website which believe in providing high quality ,latest trend, fashionable dresses for women. They specially curated every outfit and never compromise on quality.  You will find all kinds of women's wear along with accessories there.  They also stock cloths for plus size woman which is amazing.  The website layout is so easy to access and shopping is completely hazard-less there.

Let's see what I have selected for myself..



1. Round Neck Patchwork Lace Plain Maxi Dress :



This is a beautiful burgundy colour Maxi dress with lace and patch work on the upper half.  The material is polyester . I love such flowy gowns these days.  Such long flowy maxi dresses are perfect to hide your flaws if you have any, even great to hide heavy tummy or thigh area.  I love the detailing of the lace work.  It is priced around 21$ which is quite affordable and per the quality and design.

2. Surplice Plain Maxi Dress :



I love such solid pattern maxi dresses as these look simple yet classy.  Black is my colour, hence I choose this one.  I love the finishing and fall of this dress.  One thing I want to mention here that, you will get everything tiny detail on the site only with pictures and you can know the quality of the material from the pictures only.  There are three colours available but I choose black colour as this is looking more feminine.  This is priced for 23$.

3. Summer Vintage V-Neck Floral Printed Skater Dress :



This is a very pretty floral skater dress in navy blue colour.  I love the print over it . It will look so beautiful I am sure and giving a nice summer feeling.  The neck is v neck and the material seems thick and of good quality. . This is for around 20$.

4. Summer V-Neck Floral Printed Chiffon Maxi Dress :





After selecting so many long maxi dresses ,finally choose one short dress too.  This the crew neck printed shift dress . The print and the flowy-ness is perfect for summer wear.  I will get it for my vacations specially..  This is of good quality and comfortable..

That's all in my wishlist and I have ordered two from these already. . Currently there are some sales also going on which can give you a discount on your selected product. So don't miss out the chance and put an order right now.. And tell me which one you like the most from my wishlist..?

Hope you found this post helpful.. See you in another exciting post, till then stay beautiful..

Xoxo.. 

Hey everyone. . Today I am so excited to said that, I am finally back in track of making nailarts. . I don't know for how long it will continue but I am so happy that finally I take out few time from my as usual hectic schedule and able to draw a beautiful NailArt.


Today I drew this NailArt using beautybigbang flower theme stamping plate (watch my beautybigbang haul video HERE).  Recently I got some stamping polishes from an online store and was very excited to try those out..  Hence I used this beautybigbang stamping plate.



About the Rectangular Flower Stamping Plate :

Price - 2.99$
Buy from HERE. 


I personally love the stamping plates collection at beautybigbang.. They have huge variety in different patterns . This rectangular stamping plate has around 16-18 designs and again you can mix match the patterns to create your own new designs. The quality is beyond amazing .  I love all the detailing and the designs of each picture. I will definitely recommend you to try out beautybigbang's stamping plates of you are into nailarts.


 Well,  I have also used the stamper amd scraper from beautybigbang too.  You should check out the site, they have amazing collection in makeup and nails.  In beautybigbang you can pay through PayPal and they do ship free worldwide .

*Use my coupon code SNIG10 to avail extra 10%  off across the site.

So here I have used the nail displays to show some of the patterns through stamping (see the below pics ) .




And few more pics from my nailart...



Watch the nailart tutorial on my channel...



Hope you enjoyed this post. See you in the next one,till then stay happy ..

Xoxo..

Heya everyone,  so today I am here again with another beauty product's review from beautybigbang and that is the glitter gel eyeshadow cream/pigment . This product was also a part of my recent beautybigbang haul (watch video HERE) . So let's move to the review .


Price - 4.99$

Available on beautybigbang website HERE.



Packaging -




The glitter gel eyeshadow comes in a cute little pot with a golden screw open cap.  Along with the pot ,you are also getting a plastic applicator which will help you to apply the gel pigment on skin without messing.  Though the pot packaging seems awkward but pigments are comes like this only.  Well the pot is sturdy enough and of plastic obviously.  Overall good packaging.

Shade, Texture,  Pigmentation and Staying Ability -


There are 10 shades available including black, pink, blue, silver, golden, etc..  I got the golden shade because I think I can use this on multiple ways.  But I was wrong .  It can only used as an eyeshadow or also you can use to enhance the eyeshadow a bit by dabbing this glitter over any eyeshadow .


Texture wise it is the creamy and gel kind as the name suggest.  It has very fine golden glitters which are not harsh on skin at all. The glitters are blended with fine golden cream. There are so much glitters in it, hence one should apply very tiny quantity initially otherwise you will end up looking like a disco ball.  Please have a look at the picture to get a closure view.  It has thick yet soft  gel consistency . It spreads and looks even when applied using the applicator.


The golden pigment has good pigmentation.  With a single swipe you are getting a good quantity glitter on skin.  takes a while to dry on eyes, then only you can overlayer it if you want. The staying capacity is good . But after 4-5hours it started cracking a bit. It can be remove by wiping only with wet wipes, else you can use a remover to wipe out easily.  You don't need any extra effort to remove like we usually face with glitter eyeshadows.


About Beautybigbang :

If you are new here ,then let me tell you beautybigbang is an international shopping website where you can shop amazing makeup and nail products at affordable price.  They do ship worldwide and are giving free shipping too.  You can pay using PayPal . The shipping takes 2-4 weeks as per your location.  To get an additional 10% off across the site you can use my coupon code SNIG10 .

Pros.. -

1- 10 shade range to choose from.
2- There are fine golden glitter which adds nice glow to eyes.
3 - Spreads evenly when applied using the Ed applicator given by the brand.
4 - Good texture and decently pigmented.
5 - Affordable

Cons.. -

1 - Staying power is 4-5 hours and after that it starts cracking.
2 - Availiabilty .. Only available on beautybigbang

Rating - 3.8/5

Overall I like the product.  It is something different which I haven't tried yet..  The golden shade is beautiful and I would love to try out few more shades from the range.

Hope you found this post helpful. See you in the next one, till then stay blessed.

Xoxo.. 😊

Watching new or old movies is always fun and I somehow feel that watching a good movie is like a good way to relax your mind. But for me, being a mom of a toddler, it is very difficult for me to arrange the time to go and watch movies in theatres. Another thing is that kids are not always fond of every movie and it is difficult to make them sit for 2-3 hours in one place. Hence, I now prefer to watch movies online
in the comfort of my home.

Today, there are numerous options available online when it comes to watching movies online. One platform that I personally prefer going to is ZEE5. They have a spectacular collection of movies in
multiple languages which gives me a lot of great options to choose from.


Apart from the above-mentioned reason, there are some more reasons why I like watching movies online now.

i) Time -  These days the value of time is much more important than it was earlier and everybody wants to utilise their time in better ways. Watching a movie in theatre means you have to spend good 4-5 hours in taking tickets to travel to watch the movie and travel back, etc.. But when you are opting to watch movies online, the time is based on your preference. You can watch while sleeping, cooking, taking rest or doing other works. So here, online movie streaming wins.



ii) Convenience -  Watching movies online is very convenient. Whether I wish to watch movies in the noon or midnight, I get to decide the time. Also, in case I am travelling to low network areas, I can even download the movie to watch it later. I can go on and on about how online streaming makes things convenient. But let’s move on to the next point now.

iii) Comfort - When watching a movie online at home, you don't need to dress up. You can watch it wearing casuals or anything that you are comfortable in. Also, in terms of playback, you have the freedom to pause, forward, backwards the movie as per your wish. But the best part is that you get to openly react (laugh, cry, scream) and bring out your emotions which we can’t do in a theatre (without making things awkward).

iv) Saving - Saving money will be the last but not the least option. Movie tickets are really expensive these days including taxes and all. However, with online streaming platforms, the subscription costs tend to be incredibly low. For example, a ZEE5 Premium subscription costs about Rs 99 per month (pay via PayTM and you get 50% cashback). This makes it much more affordable than purchasing a single
movie ticket.

So, those were my reasons for watching movies online. As I am pregnant for the second time, all I want to do is lie down on my bed, wrap myself in a cosy blanket and watch my favourite movies online.


Hope you found this post helpful. See you in another exciting post, till then stay blessed.

Xoxo...😊

Currently I am on my third trimester of pregnancy.  Yes,  I am expecting my second baby and it is truely a blessing to become mother, isn't it ? So dry skin,  itching on belly area is very common during pregnancy and our body and skin go through lots of changes.  Skin near belly area, breast, thigh area become itchy and got stretch marks and the months passed.



So we definitely need something to relax or sooth down our skin of that particular areas and again to avoid stretch marks.  So it is advisable to apply a good body oil or heavily moisturised body butter after entering the second trimester.  I will must say, to consult your doctor before applying anything but I am writing this on my personal experience.

Well,  currently I am using the Mamaearth essential body oil since I entered into my second trimester which is around 4 months back. Yes,  I am using this since nearly 4 months now and the bottle is almost over now while I am writing this review. Should I buy another one or should I jump to any other product. . Find out the answer in the below lines..  So let's start the review..


Price - Rs499/- for 100ml.
Shelf Life - 2years from mfg.

Available on Amazon, nykaa

Ingredients - Almond oil, Olive oil, Mulberry Extract, Sea Buckthorn Oil, Jojoba Oil, Pracaxi Oil Complex, Rose Heep Seed Oil, Argan Oil, Green Tea Oil, Lavender Oil, Geranium Oil, Vitamin E .

Phthalate free, Mineral oil free, Paraben free, SLS free.

Direction of use - Start applying from the second trimester to the stretch marks prone areas such as abdomen, lower back, hips and thighs. Apply on affected areas or skin twice daily in a circular motion.

Packaging- 


The MamaEarth essential body oil comes in a white bottle with a pump dispenser and two protecting caps over it.  The pump packaging makes it very convenient to use.  The two caps makes it more travel-friendly without any fear of leakage or spillage . The pump dispenses right quantity oil in each pump which is again good.  All information regarding the product is on the bottle itself.  Overall I like the packaging.

 My Experience -

I am using this body oil since nearly 4months now . Earlier I have never used any body oil and I was thinking like it will stain my cloths, I will feel sticky ,etc .  But nothing happened like this.  The oil is so light weight and absorbs into my thirsty skin quickly with a bit of massage.  It doesn't feel sticky or greasy on skin.  I need 3-4 pumps for my belly and back area, 2 pumps for my breast area and 2 pumps for thigh and lower abdomen area.


I do apply this body oil everyday after my shower and even sometimes in between the day if I feel the dryness.  It moisturises my skin properly during this winter too.  Luckily I don't feel any kind of dryness and itchiness on my skin (specially on tummy skin).

I can't say anything on controlling stretch marks because I have quite lot stretch marks from my first pregnancy only and these are still there..  To be very honest I am not applying this to remove my stretch marks or to control the upcoming stretch marks because I love my tummy stretch marks.  It makes me feel proud that I am a mother.  So my main moto was to control the dry feeling and itchiness on skin on which the body oil works great.


The oil is of dark yellowish colour and smells like herbal kind.  Look at the ingredients, it is blend of some many awesome oils like almond oil, argan oil,  rose hip oil, etc.  All these oil are really good for skin and beneficial too . It is phthalate free, paraben free and other harsh chemicals free which is very much amazing.


Rating - 4.9/5 😊

I will suggest to everyone to use this, whether you are pregnant or not.  It is best for skin.  I will definitely gonna buy another bottle for me and will continue using this even after my delivery.  

Hope you liked this review and found it helpful.  See you in another exciting post, till then stay hooked. .

Xoxo.. 😄