Idylle- Fragrance of Eternal Love

Idylle By Guerlain

Dear Friends

On the eve of Valentine’s Day, I received a prize-winning of a contest held by Guerlain.

Prize as precious and valuable as love.

What is Love?

Love is a feeling, a beautiful feeling which touches all our senses.

Without uttering a word or hearing what we feel is love.

Idylle Eau de Parfum:

Right from the flacon to the inner soul of the fragrance is pure luxurious. It arouses the senses to the most soft and subtle pureness of eternal love.

Flacon is beautifully designed as a drop of love, tear of joy, golden drop.

Idylle is a master piece of Thierry Wasser, successor of Jean Paul Guerlain.

Idylle has Bulgarian roses which are hand plucked at dawn for its scent which is at it’s best. Along with Plessis Robinson Rose and Fruity accent of Litchi and raspberry. It has warmth and sensuousness of white musk and patchouli. Lastly it has light, tender floral bouquet of Lilac, Freesia, Lily of valley, Peony and Jasmine.

I personally like very few floral fragrances but Idylle won my heart. It’s soft lingering fragrance enveloped me into the clouds of love. Every spray is like a shower of flower petals on your body kissing and caressing you with sensuous romantic feeling.

Gift a Idylle for loved one who is special and bring a smile on face.

Buy for yourself if you love the way you are.









Makeup forever has recently launched Aqua xl eye pencil.

Soft and smooth application with an intense colour payoff.

It is waterproof and smudge proof.

Available in 20 shades.

I applied the black eye pencil in the morning and it stayed until the evening without smudging. I wear contact lenses but never felt irritation.

So get to nearest Sephora store and let the eyes do the talking.


Wealth Plus – A Futuristic ULIP Plan

Wealth Plus – A Futuristic ULIP Plan

Dear Readers,

The world is a competitive place to live in. Our life is not sustained by survival of the fittest, but our capacity to fight the competition and come out as a winner. Everyone wants to succeed and progress, but when we actually step in, we are only struggling to survive. Only a few make it as they are more focussed and innovative.
This applies to all, not only us, but for everyone. You have to be focused, but also take risks. You have to think out of the box to make it larger. There will be many hurdles, obstacles in your path, but you have to walk. When I say focussed it means to work on your goals – as an individual, your career, happy family, financial security, and as a company your budgets, meeting targets, financial position, expansion, profits. Also, when you are working towards your goal, you need to make certain investments, so that you and your family are secured.
Innovation will give you the boost to go further more. You cannot just do one thing all the time for it will bore you, and in a tough competition you will not sustain. Innovation will give an edge over others.

When I talk about innovation, there is one company who has changed the ULIP sector.
Edelweiss Tokio Life Insurance launched ‘Wealth Plus’ Plan, a first of its kind Unit-Linked insurance plan, on 4th November. An industry-first, it offers extra allocations contributed by the insurer to the customer’s plan.

Edelweiss Tokio Life – Wealth Plus

It is a futuristic plan which caters to the new generation tech-savvy people who are on the go, and who demand differentiated, competitive and innovative product.
Edelweiss Tokio Life analyzed the need of today’s generation protection and growth, and thus co-evolved Wealth Plus along with PolicyBazaar (India’s largest insurance market place).
How is it different?
Edelweiss Tokio Life has not only done away with premium allocation and policy administration charges but furthermore contributes additional units on every premium paid by us thereby increasing our fund value. Additional allocation starts at 1% for the first five years and then increases every five years to 3%, 5%, and 7% thereby increasing our wealth.
• Under this plan, fund value is distributed between the below 2 funds:
1) Equity Large Cap Fund
2) Bond Fund
• This strategy provides the flexibility to:
1) Switch the invested amount amongst the available funds using the switching option.
2) Redirect the future premiums to the newly chosen fund using the redirection option.
This product gives you tax benefits which results in extra savings.
If there is a default in the payment of premium, there will be no penalties or charges levied against the beneficiary. And the accumulated amount can be redeemed after a period of five years.

Additional Option:
Rising Star Benefit- For a parent like me, securing my children’s future is always on my mind when considering any investment plan. In Rising Star Benefit, the lump sum amount will be immediately paid to the family in the event of demise of the policy holder. All future premiums (if any) will immediately get invested into the fund allowing the corpus to grow faster thereby ensuring my child’s future is protected.

How is it Innovative?
Edelweiss Tokio Life takes care of one’s financial goals at various life stages, be it taking care of family’s future wealth, saving for retirement, family protection, or any other important milestone. It is the winner of the “Best Product Innovation” title by Fintelekt Insurance Awards 2017 and National Award for excellence in Insurance 2017.
There are loads of options available in the sea full of ULIPS. One gets confused which policy to choose from and thus turn to financial advisor for recommendations. People are way too apprehensive about the family’s future, thus start to make savings in every possible way so that the future is secure. Hence, when I came across this plan, I was rested assured about my investment and future.

For more information, please visit Edelweiss Tokio.

Note: Please read the offer document before investing.

Smashbox Photo Finish Primer Review

Smashbox Photo Finish Primer Review


Dear Friends

Festive season has started, Everyone are getting their vanity boxes replenished. One product which we cannot miss is the Primer. It is one product which can make your overall make up pass or fail. The base for the foundation. After checking out couple of primers, I got the best makeup look with The Smashbox Photo finish Primer. No wonder it is the Brand’s Award winning and best selling product.

Smashbox Photo finish primer is a transparent gel which instantly smooth out the skin on application. The open pores, uneven texture, fine lines are all smothered. A perfect canvas for the face to create new makeup look. The gel texture is easy to apply with finger tips, brush or blender.
It is priced for 2900/- for 30ml.

As the product mentions it is oil free and light weight. It is fragrance free and little quantity was enough for me to work wonder.

I truly loved the product for its texture and the desired results.

Do let me know if you know any better primer for me try out.

As of now Smashbox Photo finish primer nails the primer market.




TotalSecure+ – More Than Insurance

TotalSecure+ – More Than Insurance

by Samiksha Khapre

Hi Friends,

We are close to the end of Financial year and as to save Tax I usually consider PPF, NSC and insurance policy. This time, however for insurance policy I thought to do some kind of research work. Being a mother of two children, I wanted not just an insurance policy, but a policy which gives protection to me and is secured for my little ones. A plan that gives dual benefits.

I would like to share a couple of incidents which I experienced, one of my office colleague met with a road accident and I was so shivered by her sudden death as life is so unpredictable. We eat healthy food, exercise, have a safe lifestyle but you never know what’s in your destiny. Also, I was so worried for her child’s future. Seriously Insurance Policy can be so helpful and a God Saviour at this time.

One of my neighbouring uncle passed away due to Heart attack. He was the bread earner for the family. His wife had a hard time to pick up a job and give the necessary lifestyle to her kids. The kids who once used to have a pretty good lifestyle, go for outings suddenly had to sacrifice as the high income had stopped thus devastating the whole family. At that time, I decided to have an insurance policy beneficial for my kids to sustain the lifestyle which they now have.

Since I am in my Thirties, I have noticed the changes in my body which restrict me from my routine and make me realize that the stress can make me susceptible to various unforeseen illness which might create a hurdle in my life span. Had it been my neighbour was treated during a heart attack, he could have been with us.

Like I said in the beginning, any product which gives you multiple benefits are most welcomed today. There are people who have separate policy of insurance and medical coverage. But a policy which gives both the benefits is my requirement.

As I was researching Insurance policies, I got one of the Best term plans.

TotalSecure+ by Edelweiss Tokio Life was like a custom-made plan for my need.

It’s a perfect comprehensive protection plan which gives me the dual benefit of Life cover and Critical illness cover.

It gave me various options to choose from:

1: Designing the Plan-

Option 1: Life Cover.

Option 2: Life Cover with ‘Basic Health Cover’ – Covers 7 Critical Illnesses Benefit.

1. Cancer of specified severity (malignant tumor)

2. First Heart Attack – of Specified Severity

3. Surgery to aorta

4. Open Chest CABG

5. Kidney Failure Requiring Regular Dialysis

6. Major Organ/ Bone Marrow Transplant (as recipient)

7. Stroke resulting in permanent symptoms

Option 3: Life Cover with ‘Comprehensive Health Cover’ – Covers 35 Critical Illnesses.

This helps us to combat health issues. Who knows what your health might be in your 60’s. With our busy schedule, fast food has become a part of our life. Right food diets are very difficult to maintain this can give rise to many diseases. It is for us so that we do not have to rely on our children’s income for any critical illness.

2: Depending on the requirement:

Benefit Option 1: Base Sum Assured; or Benefit Options 2 and 3: Base Sum Assured and Critical Illness Sum Assured.

3: Choosing the Policy Term (duration of insurance coverage) and the Premium Payment Term (duration for which I need to pay the premiums) as per my need and convenience. I have the choice of paying throughout the Policy Term (Regular Pay) or for a shorter period (Limited Pay) or only once at the beginning of the Policy (Single Pay). The Policy Term is available till age 80 for Option 1 and till age 75 for Option 2 & 3.

4: Choose death benefit payment mode options as ‘Lump sum’ or ‘Regular Income’ or a Lump sum plus Regular Income. If I opt for regular income, I can decide the period for which my nominee would receive the benefits, i.e. over 3, 5, 10 or 15 years. I can also choose whether I want equal monthly payout or increasing monthly payouts.

Summing up the Benefits of Edelweiss Tokio Life – TotalSecure+

· Flexible premium paying term

· Accelerated critical illness benefit

· Tax benefits

· Regular death benefits payment mode

So with TotalSecure+ I have to pay minimal premium amount, but now I am relieved as there is cover for my Critical illness and my family is secured in case anything unfortunate happens to me.

Aquarius – Hydration drink review

Aquarius – Hydration drink review-

Guest Post by Ajit

Dear Friends

Yesterday I received a free sample of the Aquarius energy drink at Infinity mall Malad. Curious to know how it would taste, I tried Aquarius. It is an instant hydration drink.

A handy bottle with comfortable grip. Costing just Rs.30 for 400 ml. We lose salt and minerals in our daily chores of life. This causes dehydration and lack of energy and concentration.

Aquarius contains minerals, such as potassium and calcium, also includes antioxidants, which helps to detoxify our body as oxidative stress is a major factor which hampers our performance as well as our body parts including our appearance. It provides the energy of up to 24 Kcal/100 i.e., up to 96 Kcal in 400 ml. Instant energy which keeps you hydrated.

Very essential for people who are fitness freaks, Proactive lifestyle and for One’s who are into marketing or fieldwork as they have to travel a lot and are at risk of dehydration. Our body contains 75% water, hence we need to keep it replenished and we cannot afford to carry a bulky water bottle while we are on the go. Better to have an energy drink handy when we feel low or thirsty rather than opt for a Neembu pani at roadside stalls. Aquarius is a better hygienic choice.

The taste is a mix of lemon and soda with some sweetness in it. Aquarius does not have bitter taste usually which you get in lemon flavoured drinks. After having Aquarius I felt satisfied, I was energized and refreshed and could work some more till lunch time without having that distraction when you’re feeling hungry, it also has minerals which made me feel replenished. Very essential drink during summers. Instantly energies.

Overall Aquarius is a good energy drink at reasonable prices. Worth investing for better gains!






Hi Friends,

With the new Generation technology is growing in leaps and bounds, when I was a kid we had box TV, bulky computers, radio later followed by mobile phones. But now if I see there has been a transition from box television to flat screen mega size LED/LCD smart TV, from bulky computers to flat panel monitor and from radio to music systems. Mobile phones and laptops were usually owned by office goers but now mobile phones are easily accessed by kids, laptops by teenagers for college projects and Office goers flaunt with the expensive laptops and smartphones.

Talking about Laptops were more designed with bulky and boxy design, with the new age laptops are now designed for comfort and looks. I wanted a laptop which was lightweight for on the go. The laptops which I liked were Apple MacBook Air, Lenovo yoga, HP 360 convertible pc, Asus transformer. After lot of R & D and considering my budget I finalised on HP PAVILION x360 CONVERTIBLE PC.


A light weight laptop which is very good for travelling, basic office work and entertainment.


The laptop can be converted into tablet by opening it 360degree for travelling and comfort.

Lightweight- It weighs only 1.66kgs and has a sleek design.

Powered by Windows 10 and Intel corei3 7th generation enables me with day to day office work.

Memory of 4GB DDR4 and 1TB hard drive, my storage needs are fulfilled.

Integrated HD graphics 620 for my gaming pleasure.

13.3 inch diagonal FHD display with multi touch point for eye pleasing view.

It’s magnificent B&O play, HP audio boost dual speakers gives a robust sound output.

Preinstalled Microsoft office lifetime full version made me start working from day one.

Backlit panel for working in lowlight conditions.

Then it has USB port, SD media card reader, HDMI port etc.




Final Verdict:

Very nice portable laptop with features that combine work and entertain, light weight, sleek design all in my Budget.

Smart Planning Towards Tarrakki

Hello Friends,

Like any other common man, I work for a better lifestyle, better education of my kids and a secured future. I dream big and strive to get near my goals, but somehow lay stranded with mere satisfaction. What I realized is when you try to play safe, you are just barely getting the minimum of your expectation. I invest in fixed deposit, Tax saving investment and government securities, but something was missing. When I wanted to invest in Mutual funds/SIP’s my inner guts said “NO” as I saw market crashing, fluctuations in the money market. Whom can we trust and how? Maybe someone who can guide me likes a trustworthy person.

I am cautious investor, and when it comes to investing I was very tentative going for investments in securities, g-Sec, and bonds. I mean, who doesn’t want your investment to grow quickly, but that was not the case with my investments. The growth was there, but very slowly and in today’s fast world mind you, money is needed in all walks of life. Hence, I started exploring for investment solutions.

And then I came across the ICICI Prudential Balanced Advantage Fund. It is a SIP where I discovered what my money can do if taken care by the hands of experts. They explained it to me very neatly and in simple terms that where my money will go, who are the people handling my money etc. It is very simple and easy to invest in and withdraw the investments which I thought was not necessary as the balanced advantage fund looked very promising. It not only provides me with higher returns for my investments, but also gives me tax benefits and on top of it gives me medical cover, what more can you ask for from your investment. Looking at the expertise they had to handle my money I was satisfied that my money was in safe hands.

We tend to get busy in our daily routine work life as well as personal life. There are so many things we tend to miss because of a busy work schedule. But after knowing that there is someone there to multiply our hard earned money with minimal risk I was contending. I think that those people who find it hard to invest in equity markets and balancing their portfolios this may be a better option for them.

ICICI Prudential Balanced Advantage Fund:

ICICI Prudential Balanced Advantage Fund is an Open ended Equity Fund. It aims to make investing easy and less stressful, by allocating your investments between equity and debt instruments as per changing market conditions


·         Offers the benefits of investing in both Equity and Debt instruments

·         Targets to provide month-on-month tax free dividends

·         Allows you to participate in equity markets in a controlled risk

·         Distribution of dividend is subject to approval of trustees and availability of distributable surplus

Who Should Invest?

Investors with an investment horizon of more than 3 years, seeking to create wealth over the long term.

One easy funda to remember while investing is that “Fall less than the Market, Rise more than the Market “but it is easier said than done. Proper evaluation is required to get all the juice out of the stock. Focus of mutual fund is taking lesser risk and thereby giving extra bucks to cash in making investor satisfied.

ADVANTAGES OF ICICI Prudential Balanced Advantage Fund:


Period ICICI Prudential Balanced Advantage Fund S&P BSE Sensex %
1st April 15 to 31st March-16 0.7 -10.3 Limits Downside
1st April 14 to 31st March 15 26.6 24.9 Wealth Creation
1st April 13 to 31st March 14 20.3 18.7 Wealth Creation
1st April 12 to 31st March 13 13.2 8.3 Wealth Creation
1st April 11 to 31st March 12 5.7 -10.5 Limits Downside




Since 1st March 2013-total no of Observations 878

Criteria ICICI Prudential Balanced Advantage Fund S&P BSE Sensex
Minimum returns 6.3% -1.5%
Maximum returns 24.2% 21.9%
Average returns 15.5% 10.3%
Standard Deviation 4.5% 6.2%
Negative observation 0           0% 24          31%
0% to 6% 0        observations 245        observations
6% to 10% 132 121
10% to 15% 242         85% 232         56%
Above 15% 504       observations 256        observations


Suitable for:

·         Long term wealth creation solution

·         A focused large cap equity funds that aims for growth by investing in companies in the large cap category.

Hope you like my post; do let me know if you have any query



Mutual Fund investments are subject to market risks, read all schemes related documents carefully.

Dancing – My Fitness Mantra

Dancing – My Fitness Mantra

These days people love watching shows like Nach Baliye, Dance India Dance, also movies like ABCD has brought a dancing craze among youngsters. Dancing has been one of my favorite hobby for all these years. I started dancing from school, participated in college dance events and also did a couple of dances at work place too. I never took dance as a career because my family background was such which believed in secured  jobs.

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I also liked to be fit and healthy, although my body faced issues of being underweight. I joined a gym to gain weight, but ended losing more weight maybe because I did exercise genuinely but failed to give my body the necessary proteins. I like my body to be fit and healthy, but doing exercise was turning a little boring. I had to exercise, but was not getting that satisfaction with routine exercises.

Eventually, many things have changed so has exercise. Nowadays, trends like power yoga, Zumba have elevated the psyche of people. Many gyms have dance classes included in their catalog. I had attended a Zumba class and let me tell you it’s fun doing. You sweat and you enjoy, but it is also exhausting.

Finally, now I have stuck to basic exercises and started dancing as my weekly exercise regime. You must be thinking I’m joking, but no. After all the experiments with exercise I found dancing is my favorite exercise. Here it is why I chose dancing over exercise.


Dancing personally reduces stress syndromes in me and makes me happy . Dancing helps to lift my mood, it gives me a high. Dancing helps physically and mentally. Dancing is a fun way to exercise and stay fit. Although dancing has taken many forms, be it ballet, Salsa, jazz, hip hop, ballroom dance People prefers dancing in local or freestyle. Dance also plays a part in many of our family rituals, functions and celebration. It has no barriers of age, sex, religion or class. Anyone and Everybody can dance. It helps to improve the condition of your heart and lungs. It increases the muscular strength and tones the body, Removes toxins through sweat. Dancing helps in physical and mental well being. Dancing raises one self confidence and self esteem. Dancing in a group motivates team work, synchronization and social needs.

However, there many things one needs to take care before dancing . Do take your doctor consultation for the kind of dance you prefer specially if you are obese or above 40 . Take lots of liquid to keep the body hydrated. Do not stretch dance session for a longer period if you are a beginner. Make sure your body form is right while dancing as wrong dance moves can cause damage. Make sure your attire is not too tight or uncomfortable for dancing. Wear proper attire and shoes pertaining to your dance styles. Enroll yourself in a proper dance class if you are a novice.

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So pals put on your dancing shoes if you really serious about dancing, check out your nearest dance class and make a career, If you are shy start with folk dances like garba with your friends, If you want to reduce stress hit the dance club with your friends and let loose, if you want to ignite your sensual feelings take your partner and engage in couple dance like salsa, jazz, if you want to let yourself free and express go for hip hop. I mean there our various dance forms to suit your needs with the health benefits.

Rock The Dance Floor!