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Gold ETFs or sovereign gold bonds, what are the best ways to invest in gold?

Finance

magazinediary

-

December 9, 2022

Gold ETFs or sovereign gold bonds, what are the best ways to invest in gold?

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Time after time, gold has proven to be one of the best investment options especially when there is high inflation. The yellow metal is seen as a haven to hedge funds against inflationary pressure in the economy because stock markets do tend to correct heavily when consumer prices increase. Not just that, gold itself has the potential to protect investment during economic uncertainties. There are many options to invest in gold either in physical or electronic forms. Some of the online gold investment schemes are gold ETFs, sovereign gold bonds, and gold mutual funds among others. But what is the best way to invest in gold?

Nidhi Manchanda, Certified Financial Planner, Head of Training, Research & Development at Fintoo said that the best way to invest in gold for a short to medium-term investment horizon is by taking exposure to Gold ETF or Gold Mutual Funds as they offer good liquidity, low cost, and less volatility.

In regards to the long-term, Manchanda said, one should invest in Sovereign Gold Bonds as they offer an additional 2.5% interest semiannually over and above the capital gains.

Further, Manchanda explained that SGBs have a tax advantage that if held till maturity i.e. for 8 years, capital gains will be exempt from tax. However, it is to be noted that if an investor wishes to sell SGB bonds after the lock-in period of 5 years, then proceeds will be taxable. Also, interest received will be taxable as per the individual’s tax slabs.

Also, Manchanda suggested investors to have around 5-10% exposure to Gold in their portfolio for hedging purposes and as a diversifier in their portfolio.

According to AMFI, a gold ETF is aimed to track the domestic physical gold price. They are passive investment instruments that are based on gold prices and invest in gold bullion. In simple words, buying gold ETFs mean you’re purchasing physical gold in electronic form. Further, gold ETFs combine the flexibility of stock investment and the simplicity of gold investments. In November month, gold ETFs saw an outflow of ₹194.74 crore.

Meanwhile, sovereign gold bonds are issued by RBI on behalf of the government. This gold bond scheme is available to resident individuals, HUFs, Trusts, Universities, and Charitable Institutions. The tenure of the scheme is eight years with an option of premature redemption after the 5th year to be exercised on the date on which interest is payable.

Under sovereign gold bonds, the minimum permissible investment will be One gram of gold, while the limit for a subscription can go a maximum of up to 4 Kg for individuals, 4 Kg for HUF, and 20 Kg for trusts and similar entities per fiscal year (April-March) notified by the Government from time to time. Payments for the gold bonds can be made through cash (up to a maximum of ₹20,000) or demand draft or cheque or electronic banking. The investors will be compensated at a fixed rate of 2.50% per annum payable semi-annually on the nominal value. These gold bonds are also eligible for trading. Further, they can be used as collateral for loans.

Currently, gold prices are picking up globally as investors pin their hopes on a much softer approach in December policy from FOMC which led to a pulling back in the dollar. Indian bullion also witnessed an upside.

On Friday, spot gold rose to $1,800.22 per ounce, while US gold futures rallied to $1,812.80 per ounce. Investors are keenly awaiting next week when US Federal Reserve will announce its December policy outcome between December 13 to 14th. After a fourth 75 bps rate hike, the street is expecting a much softer hike at least by 50 basis points as inflations have shown signs of easing. Generally, lower interest rates are beneficial for bullion as they lower the opportunity cost of holding the non-yielding asset.

Back at home, at MCX, gold futures maturing February 3rd ended at ₹54,307 up by ₹256 or 0.47%.

While providing a 35 bps hike in repo rate to 6.25% in December policy, RBI also announced that resident entities will now be allowed to hedge gold price risk on recognized exchanges in the International Financial Services Centre (IFSC).

Earlier, an Emkay Wealth Management report stated that gold demand is reported to have been on a firmer footing in Q3 of this year. The demand came mainly from central bank buying, amounting to 400 tonnes for the quarter, and retail consumers. The easing of covid related restrictions in China helped push up demand in China and retail jewellery demand in India too supported the markets. Jewellery consumption rose to 523 tonnes, a 10 % year-on-year rise despite the adverse sentiment. Overall demand growth was 28% on a Y-o-Y basis.

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Colgate’s 9 billion toothpaste tubes defy effort to recycle them

News

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December 9, 2022

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Colgate’s 9 billion toothpaste tubes defy effort to recycle them

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One big problem remains: Many sorting centers around the US don’t accept them.

The gap between Colgate’s engineering success and the practicalities of where-do-we-toss-our-empties underscores a persistent challenge for corporate America: Switching to packaging that can bypass landfills isn’t enough if there is no easy way to recycle it. In Colgate’s case, that is 9 billion tubes a year requiring extra effort to avoid the trash heap.

The new tubes, which currently cover 78% of the company’s US toothpaste lineup, are made with HDPE, the recyclable plastic used for products such as milk jugs. But in the fragmented US system, companies making recyclable products have to persuade a wide range of stakeholders, from local governments to private companies, to accept the items, sort them and turn them into something new. It’s a process that can take years. The tubes still aren’t classified as recyclable by How2Recycle, an organization that issues standardized labels with instructions on how to dispose of packaging.

Goods eligible for collection vary by community, and an estimated 40 million households don’t have access to recycling services from their homes. This all means that plastics get reclaimed at rates of only 8% to 28%, depending on the type. In light of the challenge, Colgate said it has engaged players across the supply chain for years. It has also shared its new tube design with other companies and says competitors will adopt similar recyclable plastic tubes by 2025.

“It is not easy work, given the many aspects of the process, but we are committed, and we believe we are on the right path,” Colgate said. The company has pledged to shrink its plastic waste and use “100% recyclable, reusable or compostable plastic packaging by 2025.” Sarah Dearman, chief innovation officer at the Recycling Partnership, an industry-funded group working to improve the system, said the new tubes are “a great step.”

But consumers must also have access to collection systems that accept the tube. It’s not clear how many do, according to a country-wide assessment by the Sustainable Packaging Coalition, an industry working group.

Colgate said the tube has a third-party certification showing it can be processed alongside HDPE bottles, which 87% of Americans can put in recycling bins. That type of plastic ends up being recycled nearly 30% of the time, one of the highest rates among recyclable materials in the US. However, Colgate says that acceptance may still be limited and advises consumers to check with local community programs. The company started updating the artwork on its boxes to provide more information.

Some consumers are taking note. Ethan Helvering, a tech worker living in Los Angeles, said he was looking for sustainable toothpaste alternatives when he stumbled upon Colgate’s new tube. He sees recyclability as a selling point and is glad to see the company’s efforts, though he has questions about what ultimately happens.

“If there’s an option to put something in the recycling, I’ll do it,” Helvering said. “Hopefully processes improve and at some point it becomes an actual reality.”

Colgate’s new tubes usually get sorted to the correct group once they reach plants that recover materials and bundle similar plastics together, according to a test the company commissioned. But most US recovery facilities don’t take tubes because the recyclable and traditional versions are so similar, said Sandeep Kulkarni, a technical consultant at the Association of Plastic Recyclers, a trade group.

The old tubes could cause contamination if consumers put them in the recycling bin, he added, so it’s still easier for recycling facilities to reject toothpaste tubes across the board. Waste Management Inc., which offers recycling and disposal services, said the tubes aren’t in its list of acceptable items.

Another concern is leftover toothpaste causing contamination, said Pete Keller, an executive at waste disposal company Republic Services Inc. It’s another area that seems to have discrepancies: On its website, Colgate says any residual toothpaste in the tubes is removed during the rinsing process at recycling facilities.

Together, Waste Management and Republic Services run about a quarter of the US materials-recovery facilities tracked by the Recycling Partnership, which said processing capacity is also an important factor.

Sander Defruyt, who leads a plastics-reduction initiative at the Ellen MacArthur Foundation, said that given the challenges of recycling, companies should invest more in alternatives such as reusable containers and packaging. Colgate sells toothpaste tablets in glass bottles, but has said consumers are more likely to gravitate toward the tubes they’re used to.

If more companies that turn plastics into feedstocks for new products start accepting the tubes, then acceptance rates at recovery facilities could jump, according to Stina Inc., which leads a tube recyclability project funded in part by Colgate. That would encourage more municipalities to collect them. But first, a higher percentage of toothpaste tubes must have the right design, Stina said.

Colgate said that’s the plan — and reaching that critical mass helps explain why it made the design available to competitors. Companies representing 90% of the US toothpaste market have committed to making the switch by 2025, according to Colgate. For example, Procter & Gamble Co. in 2020 unveiled new recyclable packaging for its toothpaste brands, including Crest and Oral-B, and said it’s targeting full conversion in the US and Europe by 2025. The new tubes use HDPE plastic, P&G said.

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CBSE date sheet 2023: Class 10, 12 time table soon likely. Here’s how to check

Education

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December 9, 2022

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CBSE date sheet 2023: Class 10, 12 time table soon likely. Here’s how to check

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CBSE Exams 2023 date sheet will be announced by the Central Board of Secondary Education soon. Once released, the Class 10, and 12 date sheet can be checked on the official site of CBSE at cbse.gov.in and also on cbse.nic.in. The admit card will be released in due course of time.

Here is how to check the date sheet:

CBSE releases the date sheet on cbse.gov.in and cbse.nic.in
Class 10 students can check the same on CBSE Date Sheet 2023 for 10th standard to know subject-wise exam dates.
Class 12 students can check the same on CBSE Date Sheet 2023 for 12th standard to know subject-wise exam dates.

Meanwhile, the Board has annouced the CBSE Class 10, 12 practical exams. The CBSE practical exams will begin from January 1, 2023 onwards. As per the official notice released, schools have been directed to start the internal and practical exams on January 01, 2023.

The examination for Class 10, 12 will be conducted from February 15, 2023 onwards.

With Board Exams 2023 approaching, all boards across the country have started their preparations. Many of them have already released datasheet and admit cards and other required documents linked to exams, while few are still left.

The boards that have already announced their exam dates are CISCE, PSEB, MPBSE, Karnataka, Kerala, Assam. Meanwhile, UPMSP, BSEB, Andhra Pradesh, West Bengal and some other boards have still not released the time table for Class 10, 12 exams. The students have been advised to keep an eye on n the website of the boards for datesheets.

Most of the board exams will begin in March 2023 and will conclude in April 2023.

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Kotak Bank joins bandwagon of revising FD rates

Finance

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December 9, 2022

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Kotak Bank joins bandwagon of revising FD rates

Kotak Mahindra Bank is among the latest to join the bandwagon of revising fixed deposit interest rates after RBI’s 35 basis points hike in policy repo rate to 6.25%. The leading private banker now offers a maximum 6.50% rate to the general category, while senior citizens are in for a treat as they will get to earn interest rates on their FD accounts to as high as 7%. The interest rates for elderlies are inflation-beating currently. Notably, the rates are revised on both FDs below ₹2 crore and bulk deposits with effect from December 9.

FDs below ₹2 crore:

General Category:

The maturity period from 390 days to less than 2 years has an interest rate of a maximum of 6.50%. While the bank is offering 6.40% on 2 years to less than 3 years tenures; 6.30% on 3 years and above but less than 4 years tenures; 6.25% on 4 years and above but less than 5 years tenures; and 6.20% on 5 years and above and inclusive of 10 years.

The interest rate of 6.25% is also applicable for 365 days to 389 days of tenure. While the rate is at 6% on 364 days tenure; 5.75% on 271 days to 363 days tenure; 4.25% on 121-179 days; and 4% on 91-120 days. The bank offers an interest rate of 5.50% on FDs maturing from 180 days to 270 days tenure.

On shorter tenures, such as 46 – 90 days, the rate is 3.50%, while the rate is 3.25% on 31 – 45 days; 3% on 15 – 30 days; and 2.75% on 7 – 14 days.

Senior Citizens:

The highest rate offered to Senior Citizens by Kotak Bank would be 7% on tenures from 390 days to less than 2 years. While the interest rate is 6.90% on 2 years but less than 3 years tenure; 6.80% on 3 years and above but less than 4 years tenure; 6.75% on 4 years and above but less than 5 years; and 6.70% on 5 years and above up to and inclusive of 10 years. An interest rate of 6.75% is also applicable for 365 days to 389 days of tenure.

The bank is offering a 6% rate on tenures from 180 days to 270 days. The rate is higher at 6.25% on 271 days to 363 days tenure and at 6.50% on 364 days tenure. On shorter tenures, the rate is 4.75% on 121 – 179 days; 4.50% on 91 – 120 days; 4% on 46 – 90 days; 3.75% on 31 – 45 days; 3.50% on 15 – 30 days; and 3.25% on 7 – 14 days.

Bulk FDs:

The bulk FDs range from ₹2 crore to ₹25 crore and above. While the tenures start from 7 days to inclusive of 7 years.

Kotak Bank is offering 3.75% to 6.80% on FDs from ₹2 crore to below ₹5 crore, while the interest rate from 4.25% to 7% on FDs from ₹5 crore but below ₹25 crore.

On FDs from ₹25 crore and above, the interest rates vary from 4.25% to 7.20%.

Under the bulk deposits, Kotak Bank said, the senior citizens’ rate is not applicable on NRO/NRE deposits, while no interest will be payable for NRE TDs staying less than 1 year.

For FDs with tenure below 181 days, the interest will be calculated at maturity as simple interest. The calculation of interest is basis 365 days in a non-leap year and 366 days in a leap (calendar) year.

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StocX.in launches India’s first private market index

Finance

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December 9, 2022

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StocX.in launches India’s first private market index

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NEW DELHI: StocX.in, an online unlisted securities portal, has launched India’s first private market index known as StocX Private Market Index (SPMI).

Until now, there was no way to track the price movements of privately traded securities (i.e the stocks of companies that are not yet listed in the stock market). The biggest challenge in constructing such an index is availability of price. The unlisted market does not have transparent pricing and therefore price may vary from portal to portal and it is quite difficult to compile price movements and build an index. StocX.in claims to have achieved this by using the concepts of indexing & basic statistics, according to a press release.

StocX.in built the StocX Private Market Index using a methodology known as “Change Percentage.“ The index is computed using 1000 as the base value as on 1January 2022. Daily prices from various dealers such as Stocx.in and other marketplaces are collected and percent change from previous day price is computed. The prices of the shares that are not available for the day or for the previous period are discarded. For the remaining, wherein prices are available, a percentage change is calculated. The average of this percentage change is then used for computing the change in index value.

The index will track prices of more than 30 companies actively traded in the unlisted market and provide analysis and trends through data analytics.

The current index value stands at 1067 which means that from the 1 January to 30 November, the average price of securities have risen 6.7%. The index will be updated on a daily basis, said the press release.

The company claims that the index is free of typical biases that are inherent in most public market indexes like the selection and survivor bias as it automatically includes all companies whose prices are available for two consecutive days and excludes all the companies whose prices are not available. Which means that the index will keep adding and removing companies based on price availability and since it is taking only the percentage of change into consideration, the impact is that overall an investor gets a very good picture of how his portfolio would have done if he had invested in unlisted securities.

Ishita Agarwal,director of BLACKVOLT Digital Private Limited – operating through its brand StocX.in, said, “We are excited to announce the launch of India’s first private market index. It is a new concept for India. As a thought leader in the unlisted shares space, we plan to bring some interesting insights and data analytics through this index for the consumers and industry participants.”

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The role of business in a world on the move

Business

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December 9, 2022

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The role of business in a world on the move

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Are we running out of people?

In some sense, yes. “When we think about who’s going to fill our labor shortages, even with 150 million young people in the United States, it’s still not enough,” noted Parag Khanna, entrepreneur and author of the new book Move, in Episode 11 of our Take on Tomorrow podcast.

Labor shortages are one of the key drivers of the high levels of human mobility. Every year, millions of people leave their homes in search of stable habitats, protection from violence, greater freedom, and better economic prospects. Khanna and his fellow podcast guest, PwC’s Dion Shango, who is territory senior partner for Africa Central and Southern Africa, weighed in on who’s doing the moving—and why—and how businesses should respond.

Despite the fact that goods, services, and information flow to where people are, economic demand also attracts a magnetic pull. With huge numbers of people in Asia and in developing regions with populations who are young and healthy enough to relocate, “there is going to be mass migration on the basis of just the economic demand and labor shortages alone, to say nothing of the climate crisis and political violence and other drivers,” Khanna added.

And don’t rule out less obvious factors—like a downgraded currency. “Any kind of reduced buying power may prompt a young person to say, ‘Hang on, I have the type of skills that are marketable enough and useful enough to make me eligible to find work in another country,’ be it the UK, the US, or another part of Europe,” Shango cautioned.

Though companies in developed economies may employ the legions of skilled laborers that migrate, that means a large number of people are left behind—either because they lack the necessary skills or don’t know where to apply them. “What we need to do,” Khanna said, “is expand connectivity, expand opportunity. And that’s done through investments in infrastructure, in education, in digitization, supply chains, markets, all of those things that public and private investment have brought about.”

There is going to be mass migration on the basis of just the economic demand and labor shortages alone, to say nothing of the climate crisis and political violence and other drivers.”

It’s also important to not simply leave the question of mobility up to market forces. “There needs to be a concerted effort…of countries seeking opportunities and exploring ways of working together to try and match and marry their challenges to their opportunities,” Shango noted.

Listen to the podcast in its entirety here.

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CBSE Date sheet 2023: Class 10, 12 schedule to be out soon, practical exams on this date. Check details here

Education

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December 9, 2022

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CBSE Date sheet 2023: Class 10, 12 schedule to be out soon, practical exams on this date. Check details here

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The Central Board of Secondary Education (CBSE) will likely release the date sheet for Class 10 and Class 12 exams today i.e. 9 December.

Once it is announced, the time table for the Class 10, 12 exam will be available on the official site of CBSE at cbse.gov.in and cbse.nic.in.

However, on 8 December, the board has released the date sheet of the practical exams or the internal or the project assessment exams for the 10th and 12th. While releasing the date, the board also issued guidelines for practical exams for students, schools and regional offices.

As per the official release, the board has instructed that the students should appear in the practical examinations as per schedule as no further chance will be provided to candidates.

In its guidelines, it instructed students/parents to ensure that their subjects of study are reflected correctly in the list of candidates submitted by the schools.

It has also instructed the schools to ensure that the syllabus for the practical exams is completed well in time. It further asked schools to ensure necessary arrangements like preparation and stocking of laboratories and identification of the internal examiners have been done well in time.

Speaking of exam dates, as per reports, CBSE final exams for Class 10, 12 will begin on February 15, 2023. For the students studying in CBSE schools, the board has also published sample question papers for various subjects on its official website: cbseacademic.nic.in.

Meanwhile, the administering body conducting the ICSE Class 10th Board Exams, Council for the Indian School Certificate Examinations (CISCE), has announced the ICSE Class 10 Date sheet Timetable for the 2023 Board Exams.

According to the timetable, the ICSE Class 10 Board Exam 2023 will start in the month of February, starting from February 27 with English Language – English Paper 1 and will end with Biology – Science Paper 3 on March 29, 2023. Along with that, the CISCE has also announced that the Exam Result of ISC & ICSE Boards 2023 will be released in the month of May 2023.

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umrah package from the UK book your cheap umrah packages 2023

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umrah package from the UK book your cheap umrah packages 2023

Umrah is a pilgrimage to Mecca, which all Muslims are encouraged to make at least once in their lifetime. It’s also one of the most popular religious holidays in the world, so it only makes sense that there would be plenty of Umrah packages available for purchase. If you’re looking for an Umrah package that is both affordable and convenient, hajjumrah4u is the website for you. Umrah packages 2023 Not only do they offer competitive prices, but they also offer a wide range of options that can accommodate any preferences or needs. So, whether you’re looking for a simple Umrah package or something more elaborate, hajjumrah4u has you covered. Thanks for reading!

Umrah Packages from the UK

UK Umrah packages come with all the necessary items to make your Hajj and Umrah experience as smooth and hassle-free as possible. Some of the key features of UK umrah packages include:

– Customized Hajj and Umrah itineraries

-All-inclusive hajj and umrah travel package with prices starting from just £360 per person

– Experienced Hajj and Umrah specialists who will help you plan every minute of your trip

– Support from a 24/7 helpline for any questions or concerns you may have during your travels

Hajj Umrah with Haji Muhammed

Hajj Umrah is one of the most popular and important Islamic pilgrimages. It is a once-in-a-lifetime trip that can be undertaken either individually or with a group. Umrah consists of two parts: the Hajj, which is the pilgrimage to Mecca, and the Umrah, which is the lesser pilgrimage to nearby sites in Medina. If done together as a group, pilgrims can enjoy special discounts on transportation and lodging during their stay in Mecca.

To make sure your umrah experience is as enriching as possible, consider traveling with Haji Muhammed. This renowned hajj umrah travel agent has over 20 years of experience facilitating hajj walks for both Muslims and non-Muslims alike. Haji Muhammed’s team of experienced guides will ensure that your journey is smooth and fulfilling from start to finish.

Fare and Packages for Umrah

There are a few things to consider when booking your umrah package. The first is the price of the trip. There are many different umrah packages available from different travel companies and all vary in price. However, most umrah packages will cost between £1,000 and £2,000 per person.

Another important factor to consider is what kind of umrah package you want. You can book an all-inclusive package where everything is included, or you can opt for a more customized package that includes only the services you need. There are also many different types of accommodations available, including hotels, hostels, and camping sites.

The last thing to consider is what you will wear during your umrah pilgrimage. Most people choose to wear traditional Islamic clothing such as robes and headscarves during their pilgrimage. However, there is no one rule that everyone must follow and so it’s up to you to decide what attire feels comfortable and sacred for you during your trip.

What to Bring on Umrah

Muslims travelling to perform the Hajj and Umrah rituals of pilgrimage in Saudi Arabia or any other country in the world must be aware of some key things that they will need for their stay. Travelers should bring a valid passport, a return ticket, sufficient funds for the duration of their stay, and valid visas if required by the destination country.

A valid passport is essential for anyone wishing to travel to Saudi Arabia or any other Muslim-majority country for the Hajj or Umrah. Travelers should also have a return ticket in case they are not able to return home immediately after completing these rituals. Additionally, it is recommended that travelers have enough funds available so that they are not forced to ask for help from locals during their stay. Tourists should also be prepared for possible visa requirements; many countries require proof of financial stability in order to allow visitors into their territory.

What to Wear on Umrah

Looking to make the most of your Umrah trip but not sure what clothes to pack? Here are some tips on what to wear on Umrah:

– Make sure you have comfortable clothes that you can move and breathe in. This means no tight clothing or restrictive clothing.

– Wear sunscreen, hats, and sunglasses if you are going outdoors.

– Bring a light shirt or tunic to cover up in case you get too hot during the day. You can also bring a shawl or scarf for cool evenings.

– Bring comfortable shoes that you can walk around in for hours on end. Ankle socks are a good idea too!

Conclusion

If you are planning on traveling to the holy city of Mecca in Saudi Arabia for the Hajj or Umrah, it is important to ensure that you have everything that you need to make your trip a success. At hajjumrah4u, we provide an umrah package that includes all of the necessary travel accessories and services so that you can make your pilgrimage with ease. If you have any questions about our umrah package or would like to discuss your specific needs, please don’t hesitate to contact us. We look forward to helping you plan the perfect pilgrimage!

hajjumrah4u

Umrah packages 2023 | hajjumrah4u book your cheap Umrah packages

magazinediary

-

0

Umrah packages 2023 | hajjumrah4u book your cheap Umrah packages

Umrah is a pilgrimage to Mecca, which all Muslims are encouraged to make at least once in their lifetime. It’s also one of the most popular religious holidays in the world, so it only makes sense that there would be plenty of umrah packages available for purchase. If you’re looking for an Umrah package that is both affordable and convenient, hajjumrah4u is the website for you. Umrah 2023 Not only do they offer competitive prices, but they also offer a wide range of options that can accommodate any preferences or needs. So, whether you’re looking for a simple umrah package or something more elaborate, hajjumrah4u has you covered. Thanks for reading!

Umrah Packages from the UK:

UK Umrah packages come with all the necessary items to make your Hajj and Umrah experience as smooth and hassle-free as possible. Some of the key features of UK umrah packages include:

– Customized Hajj and Umrah itineraries

-All-inclusive hajj and umrah travel package with prices starting from just £360 per person

– Experienced Hajj and Umrah specialists who will help you plan every minute of your trip

– Support from a 24/7 helpline for any questions or concerns you may have during your travels

Hajj Umrah with Haji Muhammed:

Hajj Umrah is one of the most popular and important Islamic pilgrimages. It is a once-in-a-lifetime trip that can be undertaken either individually or with a group. Umrah consists of two parts: the Hajj, which is the pilgrimage to Mecca, and the Umrah, which is the lesser pilgrimage to nearby sites in Medina. If done together as a group, pilgrims can enjoy special discounts on transportation and lodging during their stay in Mecca.

To make sure your umrah experience is as enriching as possible, consider traveling with Haji Muhammed. This renowned hajj umrah travel agent has over 20 years of experience facilitating hajj walks for both Muslims and non-Muslims alike. Haji Muhammed’s team of experienced guides will ensure that your journey is smooth and fulfilling from start to finish.

Fare and Packages for Umrah:

There are a few things to consider when booking your umrah package. The first is the price of the trip. There are many different umrah packages available from different travel companies and all vary in price. However, most Umrah packages will cost between £1,000 and £2,000 per person.

Another important factor to consider is what kind of umrah package you want. You can book an all-inclusive package where everything is included, or you can opt for a more customized package that includes only the services you need. There are also many different types of accommodations available, including hotels, hostels, and camping sites.

The last thing to consider is what you will wear during your umrah pilgrimage. Most people choose to wear traditional Islamic clothing such as robes and headscarves during their pilgrimage. However, there is no one rule that everyone must follow and so it’s up to you to decide what attire feels comfortable and sacred for you during your trip.

What to Bring on Umrah:

Muslims travelling to perform the Hajj and Umrah rituals of pilgrimage in Saudi Arabia or any other country in the world must be aware of some key things that they will need for their stay. Travelers should bring a valid passport, a return ticket, sufficient funds for the duration of their stay, and valid visas if required by the destination country.

A valid passport is essential for anyone wishing to travel to Saudi Arabia or any other Muslim-majority country for the Hajj or Umrah. Travelers should also have a return ticket in case they are not able to return home immediately after completing these rituals. Additionally, it is recommended that travelers have enough funds available so that they are not forced to ask for help from locals during their stay Tourists should also be prepared for possible visa requirements; many countries require proof of financial stability in order to allow visitors into their territory.

What to Wear on Umrah:

Looking to make the most of your Umrah trip but not sure what clothes to pack? Here are some tips on what to wear on Umrah:

– Make sure you have comfortable clothes that you can move and breathe in. This means no tight clothing or restrictive clothing.

– Wear sunscreen, hats, and sunglasses if you are going outdoors.

– Bring a light shirt or tunic to cover up in case you get too hot during the day. You can also bring a shawl or scarf for cool evenings.

– Bring comfortable shoes that you can walk around in for hours on end. Ankle socks are a good idea too!

Conclusion:

If you are planning on traveling to the holy city of Mecca in Saudi Arabia for the Hajj or Umrah, it is important to ensure that you have everything that you need to make your trip a success. At hajjumrah4u, we provide an Umrah package that includes all of the necessary travel accessories and services so that you can make your pilgrimage with ease. If you have any questions about our Umrah package or would like to discuss your specific needs, please don’t hesitate to contact us. We look forward to helping you plan the perfect pilgrimage!

Get Out of Debt Fast with Credit Repair Services

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Get Out of Debt Fast with Credit Repair Services

Are you overwhelmed with debt and feeling like there’s no way out? Credit repair services can help you get out of debt fast. Credit repair services can provide the expertise and guidance to help you make the best decisions for your financial future. With the right credit repair services, you can take control of your finances and begin to build a better life. By using credit repair services, you can get back on track, improve your credit score, and get out of debt quickly and easily.

They Help You Understand Your Score

Credit repair services are a valuable tool to help you improve your credit score. It’s important to understand how the system works and what factors are influencing your score. Credit repair professionals provide valuable insight into the credit scoring process so you can better understand the components of your score. Credit repair services also provide assistance in understanding how the various factors, such as late payments and high utilization rates, impact your credit score.

The Debt Relief Network is a great resource for those looking to improve their credit scores. The Debt Relief Network provides access to credit repair services, debt relief plans, and other financial services. Through the Debt Relief Network, consumers can get the professional advice they need to understand their credit report, build better credit habits, and ultimately improve their scores.

They Dispute Negative Items on Your Report

Credit repair services provide debt relief through the dispute of negative items on your credit report. They can help you identify inaccurate information on your report and take the necessary steps to ensure that it is removed. Credit repair services also work with Debt Relief Networks to negotiate with creditors to remove negative items from your report. These networks can help by negotiating for a better repayment plan or for a complete removal of the negative item. This will help to improve your credit score and make it easier for you to access new lines of credit. Additionally, these services can also help to prevent identity theft and protect your financial future.

They Help You Create a Plan to Improve Your Score

If you’re looking for a way to improve your credit score, credit repair services can help. They’ll provide assistance in creating a plan to help you pay down debts, get back on track with your bills, and start building better credit habits. This includes a comprehensive analysis of your current financial situation and credit report, advice on the best approach to resolving debt, and assistance in managing your finances to create a healthier financial future. Credit repair services can also provide resources such as the Debt Relief Network that offer additional help to those struggling with their finances. By understanding your current situation and developing a plan that’s tailored to you, credit repair services can help you make the right decisions and get you on the road to improving your credit score.

They Offer Protection from Identity Theft

Credit repair services offer many benefits, including protection from identity theft. Identity theft can happen to anyone and can have devastating financial and emotional consequences. Debt Relief Network credit repair specialists are trained to protect your identity, so you don’t have to worry about having your personal information stolen. They will monitor your credit reports for signs of identity theft and take action if necessary to protect you from fraud. Additionally, they can help you create a plan to better safeguard your information going forward. By taking the necessary steps to protect yourself, you can prevent identity theft from happening in the future. With credit repair services from Debt Relief Network, you can rest assured that your financial information is secure and protected.

They Help You Access New Lines of Credit

Credit repair services are a great way to improve your credit score and get access to new lines of credit. When you have negative items on your credit report, it can be difficult to qualify for loans or lines of credit. Credit repair services will work with you to dispute any negative items on your report, helping you to improve your score and qualify for new lines of credit.

At Debt Relief Network, we specialize in helping people access new lines of credit by providing comprehensive credit repair services. Our team is experienced in navigating the complex laws surrounding credit reporting and can provide effective strategies for improving your credit score. We also offer protection from identity theft and help create a plan for improving your financial health.

By working with us, you can be sure that you are receiving reliable and honest credit repair services. We take the time to understand your unique situation and develop a plan that is tailored to your needs. Our team works diligently to ensure that all of the negative items on your report are challenged and removed, helping you access the new lines of credit you deserve.

With our help, you can quickly improve your credit score and begin to rebuild your financial future. Contact us today to learn more about our credit repair services and how we can help you access new lines of credit.