Choose to make more money or spend less

Everyone want to make money and live independently. So what should one do; choose to make more money or spend less. Does spending less results in more savings and more savings means more investment leading to more money. This assumption can be presumed as common sense and everyone knows it. There is no need of someone to come and tell the same thing. Question is how to do it and analyse whether less spending actually results in more money.

I was reading this article on Freefincal.com on Should I Make More Money or Spend Less?. The article started of with giving thumb rule "invest for retirement as much as you spend for essentials". The author came up with this fantastic idea from out of the blue.

The article follows with a case study of Anita and assume that she saves 40% each month for her retirement. If she invest in stocks for 26 years, she will have 13 crores in her portfolio and she can live well?? [she will be 55 years old] from that point of time. If she decide to buy a house, she will not have enough savings, so she cannot live well. So the author suggest an ideal way "use the retirement template, generate a figure and start saving for it".

The author do point out that "As regards earning more, the standard ways are getting a better paying job perhaps with higher qualifications." Investing does not mean saving the money and putting in mutual funds. There are other ways of investment or doing business or higher qualifications or migrating to other countries and earning more salary.

The money in stock market is gaining some interest of 12-15% every year. A successful business can generate ten time volume than that. You can take a loan from bank or friends and start a business. If you follow the thumb rule shared by the author, you will end up wasting your life with some crores in your account [if you do not have any unexpected expenditure in all these years] [What if she saved all this money and stock market collapsed when she retires]. The thumb rule shared by the author is mathematically right but not practical in life.

What should I choose? To make more money or spend less?

Making more money is obvious choice. You can start a profitable business from money from real estate, partnerships, loans and other means. For a middle class person, it is almost impossible to start  a business due to lack of capital investment.

The saving money and spending less path will lead you to a 9-5 job for years without any enjoyment in life. Your life is not a tool to be used to become financially independent. Use it create more source of income instead of saving it or merely investing in mutual funds. Saving money will take you a lifetime to get financially independent but not rich. Now if you follow the path of investment in mutual fund and became financially independent, you can only live barely with the inflation adjusted monthly money. So you saved for 26 years by living with minimal money to live more years with minimal amount. How bad that would be.

Always think about making more money and do things that you are passionate. No need to follow the savings path. When you have enough money, start a business and do not keep investing in mutual funds.

Double cheesy crust pan pizza from Pizza Hut Review

Double cheesy crust pan pizza is a delicious new launch from Pizza hut. The trend to buy double cheesy crust pan pizza hut has increased more than 28% percent in the last months in United States. Foodies from Iowa, South Carolina, North Carolina, Tennessee and Georgia orders more double cheesy crust pan pizza from Pizza Hut than other districts in US. Buy one pizza hut double cheesy crust pan pizza and enjoy the combination of Stuffed Crust and Original Pan Pizza.

Pizza hut, a subsidiary of Yum! Brands INC, has been shaping the taste of many pizza fans since last 60 years. It was launched in May 31, 1958 in Wichita, South-central Kansas. Now Pizza hut has more than 17,000 restaurants in more than 100 countries. The double cheesy crust pan pizza was made to celebrate this 60 years grand pizza venture.

The first pizza they made was delivered to White House and pizza from pizza hut was the first physical good ever purchased from the internet in 1994. Pizza hut is famous for the first pizza tracker, longest pizza delivery to space station and highest pizza delivery to Mount Kilimanjaro. Pizza hut has delivered pizza to International Space station via rocket making it the longest pizza delivery in history.

Double cheesy crust pan pizza from Pizza Hut Review

Pizza Hut's Double Cheesy Crust Pan Pizza smells intense. The brand new pizza have an added layer of Parmesan, an Italian hard, granular cheese. This embedded layer will tantalize your taste buds with pepperoni, American variety of salami, made from cured pork and beef mixed together and seasoned with paprika or other chili pepper.

The Double Cheesy Crust Pan Pizza cost approx 15$ topped with more parmesan and oregano. You may get it it for 13$ or less in local pizza hut shops. Pizza hut has done an amazing job cutting the layers with nice rich crust. It is a beautiful looking pizza and it is a combination of the Original Pan pizza and the Stuffed Crust pizza. Do order fast as it is a limited edition.

Pizza Gift Cards - E-mail Delivery

what is a callback url meaning explained

Callback URL aka redirect URL is used by web developers and application developers almost every day. You may have heard callback URL and default callback URL many times and have asked What is a callback URL in relation to an API or a website. Callback URL allows the webmaster to call back a webpage which was already left by the user to visit a new webpage.

A person having minimal or basic knowledge about coding will be easily able to grasp this concept. If you have a bit of knowledge of programming in C++ and if you know what is calling for function then it will be easier for you to understand. If not, then don’t bother. I will try to explain call back URL in simple terms.

In programming, calling of a function is used when we want to callback a specific function or call back a bit of code. This same term, on the web, has become call back URL just because it calls back a web address rather than calling a bit of code. Callback URL is also called as “redirect URL” because it redirects you to another page. To understand it better, let's take an example.

Just imagine that you are shopping online through an e-commerce giant like Amazon. Once you add all the item to cart and you click on “place your order” button, you are taken to a page that handles their payment system. After the payments, you are again redirected to the home page. The page that you see, is called call back URL. Just because users, after payment are redirected to the home page (in other words, the home page is called back), is called callback URL.

Let's take one more example. You are scrolling your Facebook newsfeed. While scrolling you see an advertisement for some service or some product. You are interested in that service or that product. You click on it, and you are taken to the official page or official website of that service or product. After you complete reading, you are again taken to your Facebook feed. Here also callback URL is used.

Like this callback URL is a very simple term and easy to use. I hope you have now completely understood what is callback URL.  

Best Social Incubators in India for Startups

Social enterprises or start ups are the new wave in social sector and development sector. Let us see the existing social accelerators and social incubators in India for startups, early stage enterprises, for profit ventures and non profit trust, society and section 8 types. This post talks about what is social incubation including social incubator definition, best social incubators india, criteria for selection, how to avail social enterprise funding india and which are the social incubators that are helping social entrepreneurship startups in india.

What is social incubation

Social incubation centers helps early stage social entrepreneurs to launch their start ups by providing assistance and support including seed funding, mentoring, office space and contacts. The Social Enterprise Incubator in Vancouver Island is designed to support the launch of new social enterprises through a series of workshops.

In simple words, social incubators are the organizations that help the startups and other early-stage enterprises to overcome the obstacles they face, like lack of funding, and help them grow by providing them all that is needed for a startup. Below are some of the best social incubators and social accelerators, their eligibility criteria, the procedure to apply, and their contact information.

Social incubator definition

Early business incubation centers were launched in the United States in 1950’s. In 1980’s, first Brazilian business incubators were started leading to the emergence of the first incubator of cooperatives, "Technological Incubator of Popular Cooperatives" in Rio de Janeiro, Brazil, in 1995. Source: Developmentissues.

Most of the startups and entrepreneurs in India face many hurdles in their initial stages. Like lack of funding, lack of knowledge, less availability of manpower and resources and this list goes on and on. In such cases, these social incubators or social accelerators come to rescue these startups and entrepreneurs. These incubators help all types of startups, early-stage enterprises, for-profit ventures and non-profit organizations by providing them with the adequate funds, mentoring them, giving them proper advice and some office space too.

There are multiple definitions for social incubators. A social incubator offer existing and new entrepreneurs the tools to drive their entrepreneurial business and deliver social good according The Guardian.

Best Social Incubators in India for Startups

There are a couple of popular social incubators and social accelerators in India. Let us see what are these best social incubators india, criteria for selection, how to avail social enterprise funding india and which are the social incubators that are helping social entrepreneurship startups in india.

1. UnLtd India - A Launchpad for Social Entrepreneurs

UnLtd India is a social incubator that helps all types of for-profit and non-profit institutions. This incubator is helping startups since 2007. For every rupee they’ve invested, they have raised an additional financial backing of 78.9 rupees. Their incubation curriculum is designed in three stages as follows

TEST

•    Access to stage appropriate finance
•    160 hours of hands-on support from UnLtd India incubation associate
•    The venture is in the idea/concept stage with basic market research in place at the time of application
•    Application process: twice a year with one cycle opening in March and other in September
For TEST eligibility, individuals who are 18+ and are residents of India can apply. Individuals should have an idea or existing organization drive to make social change.

BUILD

•    Access to stage appropriate finance
•    220 hours of hands-on support from UnLtd India incubation associate
•    The venture is in pilot/post-pilot stage some evidence of impact at the time of application
•    Application process: twice a year with one cycle opening in March and other in September
For BUILD qualification, individuals should be over the age of 18 and should be citizens of India can apply. Individuals should have an idea or existing organization drive to make social change. They should have a track record of early success in the enterprise, a clear plan for future and the full-time engagement in the project.

 GROWTH CHALLENGE

•    Access to stage appropriate finance
•    The venture is in scale stage with established model and looking to scale
•    Application process: twice a year with one cycle opening in March and other in September

Application process: for TEST and BUILD, eligibility form, interview, shortlisted candidates will attend a theory of change workshop, mock panel and final pitch

For GROWTH CHALLENGE, eligibility, screening, application, due diligence, mock panel and final pitch

Contact Details: Block no 1, Flat No 1&2, 

Baitul Karim building,

4 Boran Road, 

Bandra (W), Mumbai 400 050, 

India

Tel: +91 22 2643 4351 or +91 8655 008036

2. Vilgro - Largest social enterprise incubators in India

This social incubator is in the business for last 17 years and has over 150 developers. This incubator
has raised over 1270 million rupees investments. Villgro provides funds, mentors, and assets to the
early stage enterprises in sectors such as education, health, agriculture, and energy.

ELIGIBILITY CRITERIA

For-profit companies that have achieveable revenue and have potential to achieve financial
sustainability in long run. Companies that are in the process of developing their product/ services or
conducting pilots and have early customer traction.

Funding

Up to 65 lakh seed funding from Villgro

Up to 4 crore equity investment from Menterra Social Impact Fund.

Contact

HEAD OFFICE

3rd Floor, IIT Madras Research Park, Kanagam Road, Taramani,(Behind Tidel Park, on Old Mahabalipuram Road), Chennai – 600113.

+91-44-666 30400

 info[at]villgro.org

BANGALORE

638, 7th Cross, 11th Main, Indira Nagar, Bangalore – 560038

+91-80-4163 1523

 info[at]villgro.org

3. Action for India

Action for India mostly helps those social enterprises which are in the field of technology by giving
them access to technology, investors, mentorship, government agencies, local partners and business
development support. To enable the flow of resources and technical expertise, action for India has
tied-up with NASSCOM. Silicon valley challenge is a countrywide programme conducted by the
action for India. This challenge selects top social entrepreneurs all across India for an all expenditure
paid 10-day trip to silicon valley, California.

Contact

New Delhi Office:

S-6, Second Floor, DDA Shopping Complex,

Mayur Vihar Phase-I

Near Jeevan Anmol Hospital,

Delhi-110091

India

Bangalore Office:

Prestige Loka

G 01, 7/1 Brunton Road,

Bangalore 560 025

India

Email: info[at]actionforindia.org

4. Deshpande Foundation - Social Incubators in India for Startups

This foundation was established in 1996 by Dr. Gururaj and jaishree Deshpande in the US which later
on also started in India. This institution has started many programmes for startups and business
tycoons such as entrepreneurship for all, the Hubli sandbox, the Indus entrepreneurs and many
more.

Ek soch sandbox is another incubation center in Varanasi led by Deshpande foundation for building
an ecosystem that brings up conception and entrepreneurship.

Organisations or startups looking to scale to other geographies can apply for this programme. High
dormant ideas, yet to be piloted or have been piloted in India, startups which are driven by the
amorous and ardent team, which are committed to creating social change in their community, which
are innovative can also apply for this programme

Who can apply?

Organizations / Social Enterprises looking to scale to other geographies 

For queries

Call: +91-99000 35213 or Email: samvidha[at]dfmail.org

5. RTBI – Rural Technology and Business Incubator in India

RTBI is an incubation center at IIT Madras which was established in 2006 whose aim is to incubate
startups which focuses to improvise rural parts of India. This incubator lends an interest-free loan up
to 5 lakhs which has a repayment period of five years. An entrepreneur is expected to contribute at
least 20% of total project cost funds to be used for nurturing ICT based solutions with possibilities of
intellectual property formation.

Application process: online application template (in PPT form) expression of interest for incubation,
RTBI, internal review, meeting with the management of RTBI, presentation with incubation
committee and incubation agreement sign off.

Funding

Seed Capital

Interest free loan up to 5 lakhs

Repayment period up to 5 years

Application Process

Online application Template(in PPT form) Expression of Interest for Incubation, RTBI, internal review, meeting with the Management of RTBI, presentation with Incubation Committee and Incubation Agreement sign off.

Contact Address :I Floor IITM Research Park, Chennai - 600 113 Phone : +91 44 66469872 Fax : +91 44 66469872 Email : info[at]rtbi.in

6. Dasra | Catalyst for Social Change

Dasra is in the business for last 15 years and is India's one of the foremost philanthropy foundation. Dasra has affected lives of over 20 million people, 800+ social organizations equipped with administritation expertise to scale and USD 60 million mobilized into the social sector. Adolescents, governance, sanitation, education, health etc. are the areas of focus of dasra.

Dasra has not mentioned any specific details about eligibility benchmark or selection process or how
to apply, however, you can contact dasra on the below-given details. There is no specific details on the website on how an individual or organisation can apply for funding. Dasra may be selecting organisations internally. 

Contact Address:  

Dasra India, F1, 1st Floor, Opposite G5A, Laxmi Woollen Mills Estate, Shakti Mills Lane, Off Dr. E. Moses Road, Jacob Circle, Mahalaxmi (West), Mumbai 400011, Maharashtra 

Phone: +91 22 6120 0400

Email: info[at]dasra.org

7. Upaya Social Ventures - Best Incubator in India for Startups

Upaya is a nonprofit organization that builds corporations to create jobs and amends the quality of
the lives of the people living in extreme destitution. Upaya provides business development support
and investment capital to entrepreneurs with the potential to create or improve needed jobs.

Application criteria:
For-profit: your enterprise must be legally incorporated as a for-profit business in India.
Early stage: you must have an early stage business, less than 5 years old, that has created some
revenue generating customers.

No prior funding: you haven’t received any institutional funding, but are looking to do so in 6-8
months

Program benefits

• • Access to upaya funding ( up to $50000 equity investment in each company). Upaya selects 1-3
• enterprises for investment from each cohort’
• • Additional access to investors through pitch and networking technology to bring as on co-
• investors
• • Provide access to the network of experts, mentors, and investors
• • The 4-month long program involves three classroom seminars focussing on helping companies
• develope their business model in three functions- finance, marketing, and sales &organisational
• development
• • Support in helping companies cultivate their business plan, pitch deck, and financial model

8. Ennovent

Ennovent is an Vienna (Austria) based firm which ties-up with the private, public and third sector to
take business ideas to markets of developing countries. This firm is the business from the year 2008.
Till now, ennovent has accelerated over 250 innovations in 15 countries.

Toolbox: leverage our innovation acceleration expertise

Funds: get access to a diversity of financial resources through our planetary network of investors to
enable the incubation of a new business unit.

Community: collaborate with their community of 200+ mentors, investors, mentors, and vendors to
amplify your reach across Asia, Africa, and America.

There are no specific details about the application process. Better to contact them directly.

Contact Address: office.india[at]ennovent.com

9.  Centre for Innovation, Incubation and Entrepreneurship (CIIE)

IIM Ahmedabad center for innovation, incubation, and entrepreneurship helps entrepreneurs turn
ideas/concepts into viable business. This incubator has multiple divisions across the country. This
incubator helps startups which tend to grow in the sectors of fine tech, agriculture, energy, health
etc.

CIIE provides equity-linked backing of up to INR 1 Cr. To technology startups with innovative ideas
CIIE also supports for-profit social entrepreneurs in eight low-income states of India. CIIE provides
prototyping and market validation grants along with soft capital to startups in order to mitigate the
risk associated with the elementary stages and make them investment ready.

10. Khosla Ventures

Khosla Ventures is an American firm bottomed by Vinod Khosla which concentrates on early-stage
companies in the internet, computing, mobile, silicon technology, biotechnology and clean
technology sectors.

Some companies funded by Khosla ventures include academia.edu, bloom energy, DB networks, Eco
motors, Great point energy, impossible foods, Instacart, Neverware, and robotics. Khosla Ventures is headquartered in Menlo Park, California. They offer seed fund and main fund.

Application Process

To be considered for funding, please email a full business plan to kv[at]khoslaventures.com.

Here is a sample business plan you can start of with.

Contact Details: 2128 Sand Hill Road

Menlo Park, CA 94025

Phone: 650-376-8500

Fax: 650-926-9590

11. Infuse Ventures

Infuse Ventures is an early stage enterprise capital fund and ecosystem focused on the sustainability
and clean energy sector in India. This incubator is a part of CIIE housed at IIM Ahmedabad. This
incubator provides entrepreneurs with hands-on business and mentoring support, a world-class
system of Indian and global partners, and seed and early-stage capital.

This incubator mainly targets the areas like renewable energy, energy effectiveness, water and
waste, green buildings, sustainable transport, green IT and clean web.

While applying you can include points like the purpose of the enterprise, complications faced your
customers that you are trying to solve, what you are offering (products/services) to your customers,
and some details about your team.

Business Model - How will your venture make money? What are the revenue and cost drivers?

Team - Brief profile of founders, advisors and key management.

Contact: admin[at]infuseventures.in

12. Marico Innovation Foundation

It is a nonprofit organization in India accomplishing the corporate social responsibility for the parent company Marico limited. MIF’s vision is to comprehend the innovation ecosystem in India. MIF
believe that innovation can spur creation and sustenance of successful and enduring Indian brands.
That will enable India to reposition itself as a global economic superpower.

Criteria
1 any Indian allied or government body, educational institutions, for-profit and nonprofit social
organizations
2 the innovation should be beyond the prototype stage and must have shown proof of concept.
Paper ideas will not be accepted
3 the organization should be for profit
4 organization should have been incorporated after 1st July 2012
5 the income of the organization should not have crossed INR 10 crores in any of the previous five
years

Categories

There are three categories under which you can apply:

a) Business

b) Social

c) Start-Up

Contact Details

Marico Innovation Foundation

C/o: Marico Limited, 7th Floor, Grande Palladium,

175, CST Road, Kalina, Santacruz East, Mumbai 400098

022 6648 0480

mif[at]marico.com

13. INNOCITY PITCH: MORE THAN JUST CAPITAL 

IInnocity pitch is super particular regarding their selection process, only 5-10 % of the startups
that apply have been selected. Again, this incubator is housed in CIIE at IIM Ahmedabad, if you are
lucky enough to get selected, then you can get up to 20 lakhs of donation, fundraising support from
startup clinics.

Benefits
Up to 20 lakhs of grants to a maximum of 3 startups.
One day long pitch practice
Pitch desk design
Fundraising support by indiabizforsale
One free startup clinic for selected startups.

Program Benefits

Upto Rs. 20L of grants to a maximum of 3 startups

ONE Day long Pitch Practice (one week prior to the pitch day) - Optional, FREE

Pitch Deck Design (Optional, Paid)

Fundraising support by IndiaBizForSale (fund raising fee applicable)

ONE FREE Startup Clinic (optional)

Submit Your Idea through Online Application Form.

Contact: C/o CIIE Initiatives

IIM New Campus

Vastrapur

Ahmedabad 380015 Gujarat, India

Email: info[at]innocity.in

swarupp[at]iima.ac.in

14. Startup Oasis -Social Incubator

Startup oasis contributes incubation support to entrepreneurs with ingenious ideas and business
plans. Incubation support includes business and technical advice, mentoring support, access to
expert networks, and facilitation of seed and early age funding.

Startups working in social impact fields like agriculture, skills, and livelihood, health, sustainability,
education, micro-entrepreneurship, animal husbandry, energy, and water can apply. Selected
startups will be given funding up to INR 20 lakhs, proper mentoring and advice and access to the
networks of experts.

Application process is online in the website.

15. Start up Oasis - Social Accelarator

Social Accelerator support the social impact start-ups working in social-impact domain, like but not limited to Agriculture, Skills and Livelihood, Health, Sustainability, Education, Micro Entrepreneurship, Animal Husbandry, Energy and Water.

Start-ups registered in or having operations in Gujarat OR Start-ups registered in Rajasthan / Madhya Pradesh or having or planning to begin operations in either or both of these two states.

Get an opportunity to get a grant of up to INR 25 lakhs from SAP.

Apply via Google Form.

Contact: social-accelerator[at]ciieindia.org

16. Michael & Susan Dell Foundation

Michael & Susan Dell Foundation seek to fund projects that directly serve or impact children living in urban poverty, particularly in the areas of education, childhood health and family economic stability (including microfinance).

Check Your Eligibility to get funding here

To complete the application, you will also need:

• the amount you are requesting
• your project budget
• the number of children your project will reach
• a problem statement (500 character limit)
• a project description (1500 character limit)
• a brief description of how the requested funding will be used (500 character limit)
• a brief description of proposed success metrics (500 character limit)

You can apply for grant by going to the website.

14. N/Core, an incubator exclusively for nonprofits

N/core is a social incubator that is entirely for non-profit organizations. This incubator helps
enterprises which work in the field of agriculture, health care, hunger and nutrition, gender equality,
water and sanitation, financial inclusion, land and property, energy, employability, education,
nonprofit ecosystem and more.

For applying, your enterprise should not be more than 3 years old. If choosen, you can get funds up
to 10 lakhs, mentoring by N/core partners and access to N/core’s network of selector stalwarts,
entrepreneurs, and CRS council

Focus areas

Access to finance | Affordable housing | Urban homelessness | Land titling and records |  Legal aid |  Problems affecting women and marginal farmers.

You have to submit your idea in the first round. Once that is selected, to proceed to the next phase, they will invite you to submit your startup plan. for details on what should be part of your startup plan, please refer to this document. Selected applicants from this round will then be invited for a video call with few of the jury members.

15. Startup Village

Startup Village  is India's first incubator which is funded in partner by the public and the private
sector. Startup Village is a technology business incubator and mostly funds startups which are in the
sector of e-commerce, mobile computing, and technology product startups. The boosters and
backers of startup village are the department of science and technology, the government of India,
Technopark, Trivandrum and MobME wireless.

This incubator has a special program for students studying in college and has some basic knowledge
about coding.

16. NSRCEL Social Ventures Incubation

NSRCEL Social Ventures Incubation based on IIM Banglore and been offering incubation for social enterprises. There is a preincubation program for selected start up and they offer office space and seed funding.

Round 1: Submit your idea online
Round 2: As a part of the selection process, you are required to submit a Slide Deck and a Pitch Video.

The details are as follows:

1.   The Video should cover :  (strictly LIMIT the duration of the video to  2 minutes )

• What is the purpose of your organization
• What is the specific need /opportunity that you are addressing
• What is the change that you are trying to influence
• With reference to the above what have you accomplished so far
• What support do you need from NSRCEL Social Ventures Incubation Program

2.  The PPT should cover:

• Your Core team profile ( Name of founder, Mobile number, Email, City and complete residential address)
• Company registration number (for-profit)/FCRA number (not for profit)
• Organizational presence ( where all in India are you located )
• What all activities do you do in each of the above places
• What have you achieved so far ( impact ) 
• What do you wish to achieve in the next 3 years
• How are you currently financing your organization

17. Zone Startups

ZOne startps is a Mumbai based social accelarator providing networking, peer to peer meeting services, mentorship, partnerships with CSR and other companies, access to cloud credits and work space.

You can apply through the website online.

Other Resources

Start up India list of Incubators can be accessed from here - Ministry of Commerce and Industry

Startup India list of Accelerators can be accessed from here - Startup India Hub

Check the list of Startup India Schemes here - 50+ Startup Schemes By The Indian Government That Startups Should Know About

There are other incubators all around the World which you can read from Quora.

Best Maybelline Master Chrome Metallic Highlighter Review

Maybelline New York, one of the major American makeup brand has launched the latest Maybelline master chrome metalic highlighter. This is the new trend to bring the next level glow to your miduim skin tones. If you have tried all the highlighters for that glow finish, then you must try this Maybelline Master Chrome Metallic drugstore Highlighter. Maybelline Master Chrome Metallic Highlighter rose gold gives your skin a reflective warm metallic sheen and a smoother finish with just two swipes.

Are you a highlighter junkie and looking for affordable and long lasting highlighter?

Well, then this Maybelline Master Chrome Metallic Highlighter molten gold and rose gold with hints of pink and champagne and peachy undertone bring the next level pigmentation for your cheek with smooth and buttery formula. Use it for cheek bone highlight, cupids bow highlight, inner eye corner, eye shadow etc.

This lighter shade highlighter retains the natural look of your face even if you have a pale skin or medium dark skin. A great gift for tanned friends in summer. This may look little dark if you have a very fair skin. You can use it as an eye shadow if concentrated on the eye. If this highlighter did suit you skin tone, you can try Master Strobing Stick.

How to Use Maybelline Master Chrome Metallic Highlighter

You can use your fingertips to sweep onto targeted areas, such as cheekbones, brow bones, and down the bridge of the nose. Apply with a wet applicator brush and then use the Maybelline Master Chrome Metallic Highlighter. This will create more radiance and glow.

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unemployed and depressed without job | Read This

Unemployment and Depression are two side of the same coin. Are you being unemployed and depressed without job for 6 Months and want to Get Recruited but not getting any interview calls. Do you have a 6-month unemployment period after graduation or Unemployed For over 6 Months after resigning from the last job. Getting unemployed and depressed is a normal phenomenon of many and you can use this time fruitful. There are millions of people in the US who are unemployed and depressed and you are not alone.

Here are 14 Tips if You've Been unemployed and depressed for Over 6 Months on how to improve your chances of to get a job, earn some passive income while having no job, escape from usual rejection e-mails, and increase confidence. Take your time and go through each point and choose that fits your interest and skill.

Lessons from Being unemployed and depressed for Over 6 Months

These lessons are an amalgamation of all lessons that I learned after resigning from my last job and also some interesting comments shared by readers. This may help if you are going to resign a job or unemployed for quite sometime.

When I quit my job, I had a job offer in my pocket. Though I did not take it. I went to home, took days to see what exactly I wanted to do and started blogging. Let me tell you, it is hard path. The more hours i put, the less money I was getting. My family started pointing out that I am unemployed and should start looking for a job. I was now unemployed and depressed.

I could not convince them about my path nor I could not show them any result. I was devastated. I did not know what to do. I stopped blogging and send resume to many employers. If I clearly remember I send resume to at least 22 employers. 2 rejected it and I did not any communication from others. Now I am depressed and unemployed.

Finally some friend of mine called about a job in an NGO far away from my place. I had to take it up due to strong family pressure and shift to a place that I have no idea about. Place was bad, job was bad, salary was ok. I continued there for 6 months and then I again decided to quit my job. In these months I worked hard in my blog and I was getting enough money from it.

Lessons from being unemployed and depressed without job

1. Create a source of income when you are unemployed: I am not saying that you may find success in blogging or any other stuff. But do try to create a source of income that you can depend on when you leave job. That way you do not need worry about anything.

2. Never need to convince anyone including your family: Your family or friends or relatives do not know why you quit the job or you are not getting job. It does not matter whether you convince them or not. They are mostly not going understand. For them a steady independent earner is the best choice.

3. Read about Steve Jobs, Warren Buffet, Kiyosaki: There are many wonderful personalities who struggled all their life and then with passion and hardwork, raised millions of dollars. Do think optimistically and dont follow the crowd.

4. 9-5 Job kills: Yes, you heard it right. You are working 8-9 hours a day for fulfilling the dream of someone just because you will get some money. You are working for money. If you keep for working for money, then it will only end in your death. Money should work for you. Do read Rich Dad Poor Dad on how you can make money work for you.

5. List of stuff that you want to do alone: Do not put all your eggs in one basket. Do list out many stuff that you are passionate or have an idea. Try the best one and learn from the mistakes. Do not put all your money in that idea.

6. Do Lean Start up: A start up can be a small shop, a blog or website, an information center for your local community. This will generate income while you are a searching for a job. I have shared a few start up ideas in case you are interested. You may have an idea to build a super market. Do start a small grocery shop first and learn the business well. Then add vegetable to it, and expand slowly over 2-3 years of time.

Practical Lessons for people who are unemployed and depressed but no idea

There are some who do not have any idea on doing and they just keep doing job search. For them these lessons will be very useful.

1. Never Leave A Job Without A Job In Your Hand.

Always try to find another job before resigning from the current one. This will give you a piece of mind even if you are not planning to take it. If you do not have any alternate job, you may end up having no job offer and high stress, or may have to take up other jobs that are uninteresting, unfamiliar or less paid.

2. Get great reference to back you up.

Build connections in the departments and in the organisations. This way there will be always good reference to back you up while you search for jobs because there are thousands of qualified people searching for jobs.

3. Use the time to learn a skill or do a certificate course while Being Unemployed

If you decided to resign without any job in hand, use the time wisely. Prepare for Government exams, higher education, join a new course related to your job, write IELTS exam, get passport, join an online certificate course from an international university, learn a new computer software, train in social, writing, communication skills and learn a new language like French or German. These will back you up while attending interviews unless you will marked as Professionals with a Gap.

4. Hold on to your reasons of quitting the job.

No need to get stressed and feeling worthless. You had your reasons for quitting the job. Your reasons may not be understood by others. So there is no point in clarifying your intention or reasons to others instead convince yourself. Build confidence. You can do SWOT analysis to find out your strengths and weaknesses.

5. Get family involved

Family can help and support you in financial trouble. It is solely your call on whether you want to involve family. Staying with family will reduce your expenses thereby reducing financial stress.

Life Lessons for People unemployed and depressed and Never had a job

Here are some things or pointers that will help you restart your search for jobs or help you to figure out solutions.

1. Sell Your CV / Resume

Find good model of portfolio, CVs and Resume and start adding your information. Chance of getting a job is high with an excellent resume and good academic record. Prospective employers look at the CV before they look at you. It is your CV that makes the difference in the group of other potential applicants. You also need to start improving cover letter, statement of purpose and ask your friends to rate them at a scale of 1-10.

2 Being Selective is Tricky | Use Filters

I know many unemployed people who are looking for the right job or a job that match the skills or interest. If you are really want a job urgently, do not be selective much but use filters.
Filters can be;
a. low/ medium / high pay
b. small / medium / large company
c. regional / national / international company
d. permanent / temporary positition
e. matches your skills / does not match skills
f. matches your interests / does not match
g. higher positions or roles / lower positions

3. Get Unemployment Benefits for Being Unemployed

Apply for unemployment benefits from Government even if it is really less.

4. Step into a different field

Sometimes you need to get out of your degree cocoon and look for other jobs in different field. I know of a friend who have done Engineering Degree and have worked for a Space Research Organisations as an Intern and as a teacher for some years. So be open to all jobs in the market. Taking different jobs will help you to meet new people from different background eventually helping you to find the one you are looking for.

The job market is diluted with degrees. Mostly everyone is running behind general degrees like MBAs. Only a person with specific skill set have a chance to aim for a higher position. Many degrees pay very less such as Social work with a BA, or B.Ed

5. Look for Local Opportunities

Use google maps and search for all the companies nearby your area.
Check the website > career section, Visit their office, check with HR managers, contact them via email to know about existing vacancies.

6. Do Freelancing / Part Time Jobs and Earn Passive Income

While you are searching for jobs, sign with Elancer, Freelancers, upwork and other major freelancer sites and sell your skills. You can start applying on creating a resume for another person thereby earning income as well as learning the skill.

6. Post Resume in Job Boards and Websites

You can post your resume in Monster, Glassdoor, Careerbuilder, Dice Indeed and SimplyHired for identifying potential opportunities. You can also post resume to regional recruitment websites to get exposure.

7. Meet Other Job Seekers who also Being Unemployed currently

Go to coffee shops, clubs, online forums and talk to other fellow job seekers. They will say their story which will make you feel that your life is way better. This will also help you to generate leads and tips to other job opportunities.

Read here: How To Get Income From Best Online Profitable Businesses.