#monthly help scheme 2025

[allhindinews24h]

राशन कार्ड धारकों के लिए खुशखबरी, सरकार दे रही है ₹1000 हर महीने और मुफ्त राशन

भारत सरकार ने हाल ही में एक ऐसी योजना की घोषणा की है जो करोड़ों गरीब और जरूरतमंद परिवारों की जिंदगी में बदलाव ला सकती है। यह योजना खास तौर पर उन लोगों के लिए है जिनके पास राशन कार्ड है। इस योजना के तहत अब राशन कार्ड धारकों को हर महीने ₹1000 की आर्थिक सहायता दी जाएगी, और इसके साथ ही उन्हें मुफ्त राशन भी मिलेगा। यह खबर सुनते ही देश के कई हिस्सों में रह रहे लाखों लोगों के चेहरे पर मुस्कान आ गई है।…

[dontlookatme121]

here are all of the fics i enjoyed between march 1st-11th 2025! some new, some old. mostly smut so MDNI!

characters: javier peña, joel miller, frankie morales, dave york, marcus acacius

if this works out, i may keep posting these little recaps whenever i have a some recs built up. i wanted to share my thoughts and some quotes instead of just listing the name and author, and i quickly realized a monthly list would be too long for that. i hope you can find some good reads and show the authors a little love!

note to the authors: ilyyy. you all have amazing minds, and deserve so so much appreciation. thank you for sharing your work, and enabling me to read smut instead of watch movies <3 if you were tagged in this and would like to have your work removed for any reason, please let me know!

WARNING: many of these fics contain dark themes that could be triggering. i will try to label accordingly, but PLEASE read the warnings. not all of these are for everyone!

smut- ♡ angst- ★ fluff- ✿ dark- !!

♡ wicked whims by @myownwholewildworld (wc: 1.1k - oneshot)

pairing: javier peña x f!reader

summary: javi catches you playing wicked whims in the sims and decides to make your fantasies a reality.

thoughts: march started out incredibly strong with this absolute banger. this fic IS FOR ME. i feel seen, i feel understood, i feel sexually frustrated. i will be reinstalling wicked whims tonight, consider my first sims 4 phase of 2025 activated.

★ ♡ who will i say goodnight to when you're gone? by @miss-oranje-disco-dancer (wc: 3.6k - oneshot)

pairing: javier peña x reader

summary: you are javi are just coworkers who sleep together, nothing more

thoughts: AGHHH. the smutty angst is so good. i cant put it into words so i’ll just let it speak for itself:

'Maybe Javier kisses because it's the one form of intimacy that doesn't force you to look the other person in the eye. Eyes are the window to the soul, they say. Javi's eyes contain a softness that you cannot find outside of warm summer nights that exist so far in space and time that you can barely reach the memories. He holds hope in his entire body — hope isn't usually a pretty little thing that Emily Dickinson said it was - it's hardened and stubborn, it is the fucking metal bars that keep him here in Colombia despite it all.'

♡ !! nena mala by @pedrosyouknowwhat (oneshot) !! TW !!

pairing: Dark! Javier Peña x Dark! Reader

summary: After the fall of the godfathers, Peña takes his personally desired target.

thoughts: god i love it when javier peña is the worst person ever. hello my old friend, degradation kink.

★ The boyfriend act, part 7: "The one with unexpected visit” by @capuccinodoll (ch wc: 10.4k - series) (★- only angst as of now?)

pairing: frankie morales x f!reader

SERIES summary: All you wanted was to get to Austin, but instead of your brother, it’s Frankie —Santi’s best friend, the one you can barely stand— who shows up in Dallas. He’s just doing your brother a favor, but the trip takes an unexpected turn when a stop puts you face to face with your ex — the guy who broke your heart three months ago and is now about to get married.

Out of pride, you blurt out a lie: Frankie is your boyfriend. Surprised but willing to play along, he agrees, with one condition — you must accompany him to his mother’s birthday. His plan? Dodge his family’s meddling and their endless matchmaking schemes.

thoughts: im absolutely obsessed with this series, you really dont want to get me started… this WILL continue to show up in future fic rec posts because it’s so so good omg (read it). if for some reason you’d like to read a more extensive version of my thoughts on this chapter, you can read this incredibly long reblog.

♡ Eight Ball Corner Pocket by @thechaoticcherub (wc: 7.7k - oneshot)

pairing: Jackson!Joel x Plus Size!Reader

summary: Reader goes on a really bad date, Joel steps in to help make her forget it.

thoughts: this was such a lovely read (and so hot omfg). i cannot recommend this enough.

'“Quit it,” He said, “Don’t you think for a single second that you’re the one reachin’ here, i’m old enough to be your daddy and you’re…look at you.” You could see barely controlled lust in his eyes as they roamed over your body and the way he did it didn’t make you feel like he was appraising you to see if you were worth it. He was appreciating you. Appreciating the way your breasts stretched the fabric of your dress and the way you could see the curve of your belly, the way your thighs pressed together. You stared at him, trying to take in the truth of his statement, trying to remember how pretty you had found yourself that morning before you had been reminded of all the insecurities of your teenage years.'

♡ !! because of you by @almostempty (wc: 7k - oneshot) !! TW !!

pairing: dave york x f!reader

summary: You reveal at a party that you've never cried during sex, but Dave is going to fix that for you.

thoughts: ill never forget you, unreliable narrator dave york. the way he obsesses over the reader, picking apart all of their conversations and interpreting everything in his special delusional way. UGH ITS SO GOOD. to keep this part brief, i will simply implore you to READ THIS (after you read the warnings), its brilliant.

'After that night, he notices you change tactics. You feed him little crumbs in every conversation. Leads you know he’ll follow. Hints about the weak spots in your relationship, your unlived dreams, your pent up desires. He knows what you’re asking for. He reads exactly what you’re saying between the lines. His walls are crumbling and it gets harder and harder to be the one solely responsible for keeping the boundaries between you. He compartmentalizes. Conceding. You can have his dreams, his showers, his mornings. Take them. Keep them. But it’s never enough. It grows stronger. To obsession.'

update: the award for the fic i thought about most after reading it goes to this beauty. i admitted in my reblog that i had never seen the equalizer movies, but this made me want to finally watch them so i could appreciate this to its fullest extent, and i did! i also sent this to my friend who doesn't read ppcu fics because its just that good. i'm not getting over this any time soon.

✿ Just Coffee by @daryltwdixon (two parts)

pairing: joel miller x reader

'"Coffee. Just coffee." You could’ve kissed him right then and there. And he was handsome enough that you wouldn’t even have to close your eyes. He must’ve caught the way your shoulders relaxed, how the sigh left your body like a weight lifted.'

♡ Just Coffee II

summary: Joel picks you up after a long day, taking you somewhere small and familiar, where conversation flows as easily as the wine. As the night winds down and Joel insists on driving you home, neither of you are ready to say goodbye quite yet.

thoughts: this healed the ex-barista/assistant manager in me. to put it simply, pt.1 is fluffy joel gold and pt.2 is smutty joel GOLD. chefs kiss.

unnecessary lore drop: i (18 at the time) got asked out by a regular (65) and he DID NOT look like joel miller. maybe gary was the hot old man for someone, but def not for me. the owner of the coffee shop (50, married) had a huge crush on him, so that was amusing i guess.

♡ One Of The Girls by @gothcsz (wc: 1.1k - oneshot)

pairing: Marcus Acacius x F!Reader x 3 F!Nameless OCs

summary: General Acacius has three women that he keeps solely for his indulgent pleasure and control, you want to become the fourth.

thoughts: GORGEOUS. the picture has been painted in my mind and it’s going to haunt me. this is just insane work, really. i need 4 more parts and a few days to recover.

‘The first time you heard whispers of his indulgences, you had thought them scandalous. A man of bloodshed, ruthless on the battlefield, bringing that same ruthless discipline into the bedroom. But when you had seen him that night, wielding pleasure like a weapon, you had known—this was the life you were meant for. Since then, obsession had taken root in you, winding tight around your ribs, pressing against your lungs with every thought of him. You spent your days languishing in fantasies, picturing what it would be like to be one of his girls—to be chosen, touched, tamed.’

♡ First Sight by @gothcsz (wc: 3.5k - oneshot)

pairing: Frankie Morales x F!Reader

summary: Two strangers discover they’ve been swapping movies through a communal space, each leaving a note in return until curiosity forces a meeting.

thoughts: great smut. great banter. HOT. i need that man so bad.

'Things escalate fast. You’re sitting on the couch, the low hum of the movie playing in the background, the two of you exchanging quiet comments between drags of the joint he so effortlessly rolled. The space between you shrinks. His fingers graze your thigh, intentional but unhurried. You don’t remember who moves first. Maybe it’s you. Maybe it’s him. But your bodies are pressed together, mouths hungry, hands wandering. His cap gets flicked off, curls spilling into your fingers as you tug him closer, inhaling the scent of smoke and tasting the candy he’d been snacking on. The movie is forgotten. The joint smolders in the ashtray. You straddle his lap, rolling your hips down, and he groans against your mouth, gripping your waist.'

dividers by: cherry divider- @uzmacchiato, mdni divider- @strangergraphics, red divider- @animatedglittergraphics-n-more

[alexissara]

Top 10 Comics of 2024 [They're All Sapphic]

Every year is an amazing year for sapphic stories, people are putting out consistently amazing stuff and they will keep doing it even if the world makes it harder and harder. It is a really competitive year this year for my top slot with the top 4 really all being able to be number one so take the order of this list with a grain of salt. I can’t say enough how dazzled I was by some of the stories I read this year and there was a lot of really cute stories that while they didn’t have anything that wowed me I still enjoyed that just didn’t make the cut. Unlike last years list there is no none sapphic stories here, I read some non sapphic stories but they simply didn’t make the cut. So this is a great place for anyone looking for stories about women in love with women. 

Last year I separated Manga from Webcomics and Comics but this year I didn't Read any new Manga, aka not part of an ongoing I was reading from last year that felt worthy of a top spot. So I will be including at least one of those ongoings on this list but they'll be no separate manga list. Here’s hoping 2025 I read so many great comics, Manga and webcomics there three separate lists so I can cheat and share more stories. 

If you end up enjoying this list do remember you can help me afford to make art and engage art by going over to https://www.patreon.com/AlexisSara. I have a rough draft of a novel I am working on ready for 5 dollar + tiers and I give monthly updates for every tier on the video games, ttrpgs, novels and more that i am working on.

10. If You’ll Have Me

This is a cute little modern romance by one of my favorite artists so I had to support it when I was given the chance. This is just a classic romance type story, not a ton of frills or twists to the normal romance formula except that it’s lesbains with a nice art style. A nerdy girl falls for a popular hottie with a reputation for getting around and love blooms through misunderstandings and tough feelings. It’s cute with a great art style, it’s just nice and a great book for if you just want to see a lesbian love story. 

9. LSBN 

This is a short but sweet comic, it isn’t very long, it isn’t particularly deep, some trans lesbians were working on a mech to do big battles but suddenly their hit with an order for peace. Feelings get messy as years of work go down the drain and these women find themselves going to each other and the feelings they all have about this. The art itself is really unique, it has an extremely creative vision of it’s world that is really a spectacle to look at and for sure gives value to actually owning the book rather then checking it out just briefly since it is a fast read. It’s simple, sweet and good.

8. The Marble Queen

This is a YA graphic novel which have a hard chance at making it on a list like this for me, I try to read a lot of them but I have such a hard time getting through them but here I really did get enthusiastic about this story. The biggest carry for the story is definitely the art, really striking art that truly makes this story stand out in the crowd. This is an arranged marriage gay romance where both parties fall in love with one another. It’s a very classic fantasy princesses type story in that way with you know scheming evil family and uproars and restoring order and what not. It is a fun book and the Pirate Woman in this story is very hot and I liked it, it’s just a solid classic formula type story. I have little critiques about it but ultimately I think it’s solid. 

 7. Rainbow! 

This was a turn around of the century for me where I was really not in love with the first half of this story at all but having stuck it through basically exactly where volume 1 ends the story really picks up and starts to be something great. It’s cover and stuff pitches it as a kinda sweet and fluffy romance but this is a drama romance there just isn’t a lot of drama between the romantic interests themselves. This is the story about two women who are being abused in different ways by their mothers falling in love and how they as high schoolers deal with the shifting of their lives through meeting each other and though the new lows their moms push them to. It’s a good story and it’s good to see stories about people who are dealing with this kind of abuse still finding love and figuring out their own ways out of situations. It’s idealistic in some ways but I think some hope isn’t a bad thing to give to people. This is a really sweet story story even when it gets rough and it’s worth folks time. 

 6. Eldritch Darling

One of those comics that feel like they could be on this list every year but it wasn’t on last years list so I feel extra good about giving it a slot this year. This is a very cute small panel comedy romance webcomic. The plot as it were starts with an eldritch monster girl having taken on a human guise falling in love with a woman and trying to keep it together and from there we follow how their relationship blooms, her feelings about human life and her shifting feelings on herself. The relationship shifts and changes and it’s a good story with decent progress and has been slightly expanding out it’s characters and stuff over time as it keeps going. It’s short, sweet, good times for anyone looking for just a nice read. 

 5. The Deep Dark 

A trans and cis woman romance with a ton of mess around them having secrets, toxic people in their lives and more all tied up with just a bit of the magical elements. Mags is a butch lesbian who’s got a big secret, a little monster tied to her she must feed her blood. This secret keeps her detached from everyone but small hookups with a girl who has a boyfriend and doesn’t want to come out. One day Nessa comes back to town, a trans woman and her old best friend, a person she cared so deeply about before the weight of her secret really got to her. She’s dealing with a creepy ex boyfriend and went back to her old home town to get away with him for the summer. Both are hesitant to share what’s going on with the other and both are effected by events that happened when they were a child that caused Nessa to move. The two’s connection is just really good and I like that both these women are very caught up in their own shit at first and really feel like they should be together but maybe can’t because of that. I think this is Molly Knox Ostertag’s best story so far and I am really glad she got to release it. 

4. She Loves To Cook And She Loves To Eat 4

A true masterpiece, I say this every time with She Loves To Cook and She Loves To Eat and I will keep saying it, I imagine She Loves To Cook and She Loves To Eat Volume 5 will be in next year's top 10 too. Sakaomi Yuzaki is simply a master of the craft of manga and storytelling that is beyond most people ever. The way she can capture the raw feelings captured by fatphobia, sexism, homophobia, lesbobia, aphobia, etc all while keeping a fairly soft and cozy tone is truly a testament to her craft. Volume 4 was a brilliant move forward in the story and the romance properly and it’s yet another testament that I enjoyed a fairly big slow burn when I am not a big slow burn enjoyer. The food looks brilliant, the character designs are fantastic, I can’t imagine a world where this story falls off.

3. Superwomen In Love 4 and 5

Having finished this I can say that this is one of the best Yuri Manga of all time. While She Loves To Cook and She Loves To Eat is a masterpiece that makes me think about the true mastery of one of the mediums of art I work in and love the most, this story was just fucking fun as hell for me.We have big love confessions, fusion, action, mechs, and so much more. I really can’t say enough just how much of a blast this story is. I would kill to see this adapted it’s just such a freaking blast and it’s so gay and it’s so much fun. The main couple is really masterfully done and the side characters are all great and thought out to at least some small extent. It makes for a really great cast and a really great time. It’s stupid but it’s like perfectly my kind of stupid and I love it. 

2. The Strange Case of Harleen and Harley

Two of my favorite characters of all time get a fun YA retelling that honestly might be my favorite origin story for both characters ever. Harleen’s life has gone to shit, her and Pamala broke up for a bit and she ended up dating a dude who was a bit unhinged and murdered her bullies. That made her have to move, ruining everything she had going for her the only saving grace from her families judgement, the judgement of people around her and the crushing despair of potentially losing her access to higher education is that her and Pam got back together. Harleen agrees to enter clinical trials with Pamala when she suspects they are doing animal testing and wants to find out, plus it would get Harleen some money for signing up. The shots Harleen is subjected to awaken Harley inside of Harleen and start these two off on an adventure. It fits the characters, it does the representation of plurality so much better than most media I’ve seen, it doesn’t condemn doing crimes at all which is great for a villain story, it instead lets us just see criminals as people who make choices and you can judge those choices on your own. You will though be shown the rich fuckers running these experiments and hate them and it’s great. I really love this story, it’s probably my favorite YA book, it might be my favorite superhero comic ever, it’s just great. 

1. Sunset Phoenix 

Lesbian Monsters, I did it that’s the review, shouldn’t have to sell it further than this. I will though, it’s a fantastical setting with magic but also very modern. Our Mob Boss is a Phoenix meaning she’s immortal unless you kill her with a special blade only a Phoenix can make. Someone kills another one of the Phoenix’s who run the city and the mobs and attempts to frame her spy for it which also frames her. The two have to work together to figure out who did it, prove they did it or else the best case for them is all out mob war and the worst case is their too dead to know what happens next. The story isn’t done yet but the first arc is finished meaning there is a very solid end point to hit if you pick this series up. The chemistry between Emilia and Valentine is just really strong and the action scenes are just super cool. It is one of those series that is like 10/10 everything I really have nothing negative to say about the book it just really perfectly does what it is trying to do and I like what it’s trying to do.

[ghoulfuckersincorporated]

State of the Union, April 2025

Happy spring, y'all!

I've been putting a lot of focus on asks for a while now, as was my working plan from my January SOTU. I've put a pile of them out lately, but I still have a fair few to complete. My current plan is to continue to work through submissions while slightly shifting towards specific long-form projects that have had my focus lately.

I won't be starting any new long-form pieces for the time being (of course, I'm always open to new ideas nonetheless, if you guys feel inspired and have no one else to share them with). However, I will be putting more of my concentration towards finishing up those that're currently in-progress, as well as getting out follow-up chapters for a couple of extant works (namely Duplicity). If I post a little less frequently here over the coming few weeks, it's not because I'm feeling uninspired or because I'm not writing.

Though I may not always be able to play for long stretches of time, I will also be continuing with my playthrough of Fallout 3. I'm enjoying it, and many of you seem to have a lot of nostalgia for the game.

All of the master posts have been updated once more. From here on out, I'm gonna try my best to make doing so a monthly habit. I've created a separate master post for Fallout 76 content, as well as one for the "ranking" type questions, as they're increasingly popular and that 100 in-line link limit haunts me.

And, finally: I'm thinking about commissioning someone to design a few themed headers/text embellishments/flourishes, whatever you call them (graphic design is NOT my passion), for use on the blog. I'd kicked the idea around last year and now I'd like to pretty things up as a bit of a treat to myself, since I broke 1,000 followers around February. However, I don't have a super strong vision for what I'd like; mostly, I want to stick with the radioactive green/safety orange color scheme and incorporate some ghoul-associated icons like Rad-X bottles, Radaway bags. Whatever. I'd need someone who can pull more specific ideas out of the bedrock/can help me settle on a look. Naturally, I'd pay.

I know things are stressful and hard right now for pretty much everyone, but chin up, folks! At the very least, you'll still have a source of unhinged ranting and ghoulfucker porn. An appropriate amount of escapism does the soul good.

Hope everyone has a great weekend! :)

[xstrawberry-jamx]

MONTHLY UPDATE SCHEDULE: SEPTEMBER 2024

9th: Intimacy Ch.51 [Posted]

18th: Serenity Ch.14 [Posted]

23rd: Intimacy Ch.52

WORD COUNT UPDATE: 18th SEPTEMBER

INTIMACY & RELATED WORKS

INTIMACY (Link)

Total Word Count: 220k

Ch.52: 1.9k*

Ch.53: 0.2k*

Ch.68: 0.3k*

PART 2

Ch.1: 0.5k*

Ch.?: 0.1k

SIDES

Ch.10: 0.1k

Ch. 11: 0.6k

Ch.12: 0.1k

Ch.13: 0.1k

Ch.14: 0.3k

EMPEROR HARRY AU

AU of Intimacy, where Harry is the Emperor, having inherited the position from Dumbledore. Tom becomes one of his few concubines early in his reign.

Ch.1: 0.7k

SERENITY & RELATED WORKS

SERENITY (Link)

Total Word Count: 89k

Ch.14: 4.1k* (POSTED)

Ch.15: 0.3k

Ch.?: 0.7k

SIDES

Ch.1: [Longevity]: 1.2k

DEAREST COUSIN & RELATED WORKS

DEAREST COUSIN

Total Word Count: 41k

Ch.16: 0.6k

DEAREST SISTER

Ch.2: X

UNPUBLISHED WORKS

Time Flies [When You're Having Fun]

Haikyuu, Time Travel AU: Hinata ends up in the past, in his younger body, during the Shiratorizawa match and tries his best to help the team win nationals.

Ch.1: 4.7k

Ch.2: 0.1k

From Feathers to Fur

Haikyuu, Inarizaki Hinata: Hinata transfers to Inarizaki after the first year due to his sister's failing health, her best hope laying with a specialist in Hyogo.

Ch.1: 0.7k

Ch.2: 0.1k

A Little Surprise

Harry Potter, Solo Levelling, Gamer AU: Harry, bored with his immortal life after centuries as MOD, is transported into the world of Solo Levelling, where his parents are alive, monsters roam the earth, and he has a weird game system arguing with him in his head.

Ch.1: 2.0k

Pity the Living

Harry Potter, Time Travel and Gamer AU: Harry dies eventfully, and is summoned before Death, who sends him back to the 1940's as the last male Peverell, equipped with a Game System.

Ch.1: 2.2k

HP Elflings

Harry Potter, LOTR, Tomarry as Elflings: When he dies, instead of being sent to the afterlife, Harry is reincarnated as an Elfling in Middle Earth. He enjoys his new, long childhood, until the Elves raising him introduce him to the other Elfling who has been living in another settlement. And that Elfling just had to be Voldemort, trapped within a child's body. And the Elves have a strict no-violence policy between them in place.

Ch.1: 0.2k

Elflings From the Leaf

Naruto, LOTR: Naruto and others are transported to Middle Earth when they accidentally activate an ancient seal, and it turns them into pointy-eared, long-haired children in the middle of an unknown forest. Try as they might, they can't avoid the adults of their new kind for long in these new bodies.

Ch.1: 1.1k

Affinity

Naruto, Imperial Harem AU: Naruto is born as the son of the Emperor, Minato, First Emperor of the Dynasty. His childhood is filled with scheming, the one bright spot being his friend, Sasuke, the second son of the Uchiha Clan Head, one of the previous reigning Dynasties. That is, until his friend usurps the throne, and initiates him into his Harem.

Ch.1: 1.4k

Ch.2: 0.5K

Ch.3: 0.1k

LOTR Elfling

LOTR, Reincarnation: Callum, now Cel, is reincarnated into LOTR in the body of an Elfling. Raised by his adoptive mother, of the race of Man, in a small village, he believes he can live his life, not in luxury, but in peace. However, as the years pass, his Mother grows frail with age, and after her death, he is chased from the village due to the people's fear the Elves will seek vengeance for their stolen child. Cast out, he wanders, until a group of his kind come upon him.

Ch.1: 0.2k

Hunger Games x HP AU

INSATIABLE

Post Date: 27th March 2025

Hunger Games, Tomarry, Alternate 75th Games: After last year's showing, with star-crossed lovers taking the Capitol by storm, and President Snow growing ever warier of the couple, the newest Gamemaker, Dumbledore, needs to make this Quarter Quell a spectacular one. And, with the President's consent, two Victors are to win once more, but their love must be convincing, and they can't hail from the same District. As for the twist to keep the Games fresh, well... Hadrian, 'Call me Harry', Potter, from District Two, has been trained for this. He will win with the girl from One by his side, she's pretty enough, and he's sure he can make this work. Tom Riddle, from District Twelve, thinks little of the new implementations for this Quarter Quell. He will win it by himself, as there is no one within the Districts that could possibly catch his eye.

Ch.1: 2.7k*

Ch.2: 2.0k*

Ch.3: 0.1k*

[typingwithmyhandstied]

May 2025 Reads

Helen of Troy, 1993 by Maria Zoccola--- I read this on a whim after seeing that V.E. Schwab read it on her Goodreads. (Yes, I follow and check it regularly.) I have been cautious of modern retellings of mythological things lately, mostly due to all the really bad ones. (If I see one more dark romance Greek retelling, I am going to cry.) Yet, I thought this would be better because it's poetry, and there are so many good mythological retellings. I didn't want to just not do any of them. I am so glad I did because I loved this. It was Helen of Troy, but it also wasn't. It was using Helen of Troy to explore our modern world in a really good way. I listened to the audiobook which really added to my reading experience. Although, I do kind of wish that I could read it too to take it in a little better. This was a killer poetry book and especially good for the fact that it did tell a story. I specifically liked the "Helen of Troy gets asked to the spring formal" one. I really enjoyed this whole poetry book though. I genuinely believe it did what it wanted to do really well.

The Orange and other poems by Wendy Cope--- I first picked this up at the bookstore because @true-bluesargent had it in one of her monthly reading posts. I am so freaking glad I did. I love this. My only complaint is that it is so short. This book has one of the best builds of any poetry book that I've read recently. I did not think it would get to the point it did when I started it. I loved it so so so much. I especially loved all the rhyming schemes and things.

The Raven Boys by Maggie Stiefvater--- This was obviously a reread. I think I loved it even more this time around. I'm reading it with my mom out loud. She's loving it, and it's her first time ever reading it. She somehow forgot most of what I told her last summer, so I am happy. I literally love everything about this book.

Dear Wendy by Ann Zhao--- Another reread. This book makes me so damn happy. I read it due to a crisis that I was having similar to Jo's whole "everyone will leave me for their romantic partner someday" thing, so reading it helped! I want to make all my friends read this book, and I am going to attempt to.

The Dragon Republic by R.F. Kuang--- I finished on the last day of May after reading it for over a month. A masterpiece. These books are so good. I don't know what to think about so many aspects of this world. It's all so complicated in a really real way. I would talk about this book with anyone. I'm sad because I'm not going to read the next book right away because of new releases. I am also excited about new releases!!!!!

Interpreter of Maladies by Jhumpa Lahiri--- My last assigned reading book for my English class this year! It was an assigned reading book of the variety of I'm so glad that I was forced to read this book. I loved it SO much! It's a collection of short stores which isn't usually my thing, but they all went together so well. The central themes of loneliness and reaching for connection interwoven with parts of the author's own culture. I LOVED IT.

[misfitwashere]

ROBERT REICH

MAR 6

Friends,

I remain optimistic about the longer term, but I still awaken each morning with a sense of dread. I’m sure some of you do, too. 

Start with Elon Musk’s bonkers comment that Social Security is “the biggest Ponzi scheme of all time.” 

In a Ponzi scheme, a con artist lures investors into a fake investment project, pockets the cash, and then gets new “investors” to funnel their cash to the earlier investors — until there are no new recruits and the whole thing collapses. The last ones in are suckers left holding worthless bags. 

Social Security is not a Ponzi scheme. It’s a high-functioning, universal, and exceptionally efficient part of the American social safety net — the opposite of a Ponzi scheme. Which is why the overwhelming majority of Americans oppose cutting it.

Social Security is a simple “pay as you go” program. Current workers, via the payroll tax, fund payouts for retirees and disabled people. In 2024, about 1 in 5 U.S. residents received Social Security.

I used to be a trustee of the Social Security trust fund. I know what I’m talking about. 

As the Social Security Administration explains, “In 2025, when you work, about 85 cents of every Social Security tax dollar you pay goes to a trust fund. This fund pays monthly benefits to current retirees and their families and to surviving spouses and children of workers who have died. About 15 cents goes to a trust fund that pays benefits to people with disabilities and their families.”

The only reason that the Social Security trust fund is slowly running out of money is the trustees never anticipated that so much of the nation’s total income would be in the hands of so few people (such as Elon Musk). 

The simple way to fix this is to lift the cap on income subject to Social Security payroll taxes, which is now $176,100. 

Elon Musk, Jeff Bezos, and Mark Zuckerberg fulfilled their 2025 Social Security payroll tax obligations a few minutes past midnight on January 1. Most Americans continue paying payroll taxes all year. 

If you want to see a real Ponzi scheme, look no further than the crypto investments Musk and Trump have hyped. 

Trump’s new cryptocurrency, “$Trump,” soared and then crashed, just like every other Ponzi scheme. It generated enormous profits for insiders like Trump, but a cumulative $2 billion in losses for more than 800,000 other investors.

Trump claims ignorance. “I don’t know if it benefited” me, he said. “I don’t know much about it.” (The Trump family and its business partners earned nearly $100 million in trading fees alone on the coin.)

Musk has been promoting “dogecoin” since 2019. In the days following Trump’s announcement of the launch of Musk’s so-called Department of Government Efficiency (DOGE), the value of dogecoin soared over 70 percent. Since then, it’s dropped like a rock. Another classic Ponzi scheme. 

With Trump now in office, crypto is back to its Ponzi ways. It’s emerging from a four-year federal crackdown on crypto fraud, market manipulation, and other scams following the collapse of Sam Bankman-Fried’s crypto exchange FTX in 2022 — one of the biggest Ponzi schemes in recent memory. 

Tomorrow, Trump is even holding a “crypto summit” at which he’ll promote the idea of a federal crypto reserve that will give crypto schemes a temporary boost by increasing demand for them. 

But why should American taxpayers foot the bill for a crypto reserve? The most obvious winner will be Trump, whose own crypto venture carries millions of dollars in tokens that are to be included in the reserve. 

Other winners will be crypto executives, many of whom donated extensively to Trump’s reelection effort. One example: Ripple, whose XRP token is one of the five that Trump said would be included in the reserve — and which donated $45 million to an industrywide PAC that sought to help elect Trump and other Republicans.

Trump’s crypto efforts are ways to curry his favor by paying him off. 

Consider Justin Sun, a Chinese cryptocurrency entrepreneur whom the Securities and Exchange Commission charged with securities fraud in March 2023.

After Trump was elected in 2024, Sun bought $30 million worth of Trump’s World Liberty Financial crypto tokens, putting $18 million directly into Trump’s pockets. Since then, Sun has invested another $45 million in WLF. Altogether, Sun’s investments have netted Trump more than $50 million.

Trump’s Securities and Exchange Commission just dropped its prosecution of Sun. 

The SEC also dropped its case against the crypto trading platform Coinbase after the platform donated $75 million to a political action committee associated with Trump and $1 million to Trump’s inauguration.

To top it off, the SEC just ruled that “memecoins” aren’t securities, meaning that Trump’s novelty crypto tokens won’t be subject to any regulatory oversight. An open invitation to more Trump Ponzi schemes. 

My real dread has to do with the much bigger Ponzi scheme that Trump and Musk are peddling. 

They’re promising huge “savings” from destroying the federal government — including programs like Social Security and Medicaid — savings that will go to America’s wealthy and big corporations in the form of tax cuts. 

At Musk’s urging, the Social Security Administration recently announced it will consolidate the current 10 regional offices it maintains into four and cut at least 7,000 jobs from an agency already at a 50-year staffing low. 

The Republican budget recently pushed through the House cuts over $880 billion out of Medicaid. 

Who will get left holding the bag? Most Americans. 

Zoom out and you’ll see the biggest Ponzi scheme of them all — the entire Trump 2 regime.

Trump is promising to “make America great again” by raising tariffs, deporting more than 11 million people, taking a wrecking ball to the federal government, pulverizing democracy, and joining Putin and other global dictators.

Trump is the con artist behind this giant Ponzi scheme. He lured voters into this fake MAGA project, pocketed some of the cash and rewarded his billionaire backers and friends (including Musk) with more, and will leave most Americans with a corrupt and decimated society. 

I’m still optimistic about our power to overcome this and our resilience in bouncing back from it. But the dread I feel when I open my eyes in the morning concerns the sheer magnitude of the largest and most cynical Ponzi scheme in history.

[gellavonhamster]

monthly media recap: may 2025

read:

The Tower of the Swallow by Andrzej Sapkowski - the timeline jumps made it challenging to follow at times, but also all the more interesting, like putting a puzzle together. I am very fond of Angoulême.

The Lady of the Lake by Andrzej Sapkowski - wrote a long post about it and the whole series here!

The Count of Monte Cristo by Alexandre Dumas - technically a reread but it must be ~15 years since I read it and I had forgotten most of it, so it was like reading it for the first time. Couldn't put it down <3 Also, Eugénie is even more textually a lesbian than I expected, wow.

The Mark of Watzel by Tomo Taketomi - hm. Couldn't help rolling my eyes at the, how do I call it, the true solution to the treatment? But in general it's cute.

watched:

Sinners (2025) - there was a scene - and not a short one - which I watched from the beginning to the end with my jaw dropped because it was just so awesome. Overall an incredible movie, go see it.

Cowboy Bebop (1998-1999) - oh man, that was good. The animation, the soundtrack, the noir of it all, the lovable cast. The ending destroyed me. You're gonna carry that weight indeed.

Cowboy Bebop: Knockin' on Heaven's Door (2001) - it was a good idea to watch it after finishing the series and not when it fits into the timeline because it was nice to see the crew together again, you know? Also, good use of action movie tropes, let's fight on the Eiffel Tower (on Mars)

Coyote Ugly (2000) - I wanted something lighthearted and with a lot of music, and this fulfilled the need. Very naïve but a lot of fun (perhaps precisely because it's very naïve).

The Phoenician Scheme (2025) - I had a free movie ticket so I went to see this. Nothing to write home about in terms of the story, but pretty to look at on the big screen, and I laughed sometimes. My main takeaway is that it's a pity there's no ASOUE adaptation by Anderson.

[notquitedeadpod]

Patreon supporters just got notes on the finale of Not Quite Dead S3!!

This is a breakdown (in both senses of the word) of some of the thoughts, plans and evil schemes behind the last episode of NQD S3. This set of notes got SO beastly I had to chop it in half, so there will be more of this in a few weeks' too!

Get access to notes like these where i go into detail about Neige and Casper as distorted mirros of one another and discuss my decisions about episode structure for just £2 pcm.

All supporters on patreon get early access to releasing shows (excluding finales because I need the extra time and also it's more fun for those to come to everyone all at once, in experience!). This includes early access to NQD S4 (which will be airing in 2025), and to the new show, @remnantspod which will be starting in July!!

You also get bonus content like short stories, notes like these ones, and an exclusive monthly podcast where I talk about my creative process, future plans, and specific topics asked my wonderful patreon people!!

I owe pretty much everything I create to those people who are able to support me through patreon. It makes a huge difference to my life and helps me build a sustainable future in writing. Ily <3

--- Eira xxx

[bharatupdate123]

UP Govt Scheme: Divyang Dukaan Yojana 2025 Empowerment

Introduction  

The Divyang Dukaan Yojana 2025 is an important UP government scheme aimed at helping persons with disabilities (Divyangjan) run their own businesses. This initiative provides financial support, infrastructure, and resources to promote economic independence and dignity.  

Uttar Pradesh is leading with this plan, and similar initiatives are also being introduced in Bihar to ensure marginalized communities have equal opportunities.  

This blog outlines the features, benefits, eligibility, and application process of the Divyang Dukaan Yojana, which aims to empower India’s differently-abled population. 

What is Divyang Dukaan Yojana 2025?  

The Divyang Dukaan Yojana is a UP government program designed to provide financial aid to Divyangjan (persons with disabilities) for starting small shops or stalls. The aim is to create opportunities for sustainable income and social integration.  

Under this scheme:  

- Financial assistance of up to ₹50,000 is available.  

- Support includes kiosks, market stalls, or mobile vending carts.  

- Guidance on basic business management is provided.  

This initiative reflects the government’s commitment to development for all, including Divyangjan.  

Key Features  

Scheme Name: Divyang Dukaan Yojana 2025  

State: Uttar Pradesh  

Beneficiaries: Persons with disabilities (Divyangjan)  

Aid Type: Financial support for opening a shop or stall  

Scheme Type: Empowerment and livelihood generation  

Initiative: Inclusive development under a UP government scheme  

Eligibility Criteria  

To apply for this scheme, individuals must meet the following criteria:  

- Be a resident of Uttar Pradesh  

- Have a valid Disability Certificate  

- Be aged 18 years or older  

- Be unemployed or from a low-income background  

- Preference is given to those with basic literacy or a business interest  

While this is a UP government scheme, the Bihar government also has similar programs that assist Divyangjan through skill development and financial aid.  

Benefits of the Scheme  

The Divyang Dukaan Yojana provides valuable benefits to differently-abled individuals, including:  

- Financial Aid: Up to ₹50,000 for setting up a shop or stall  

- Self-Employment: Independence through small-scale businesses  

- Social Inclusion: Dignified participation in the local economy  

- Business Training: Basic support for inventory management, sales, and customer service  

This scheme is more than just a livelihood initiative; it fosters confidence and social equality for those who are often overlooked.  

How to Apply?  

Eligible individuals can apply through their local Social Welfare Office or District Divyangjan Empowerment Office. Here’s a step-by-step process:  

Step 1: Collect the Application Form  

Available at your district’s welfare office or the official government website.  

Step 2: Attach Required Documents  

- Aadhaar Card  

- Disability Certificate  

- Income Certificate  

- Two passport-size photographs  

- Bank account details  

Step 3: Submit the Application  

Submit the completed form and documents at the designated office. The application will be verified, and selected beneficiaries will receive financial aid through Direct Benefit Transfer (DBT).  

Similar Bihar Government Schemes  

The Bihar government also has programs for Divyangjan, such as:  

- Mukhyamantri Divyangjan Sashaktikaran Yojana: Financial aid and skill development.  

- Viklang Pension Yojana: Monthly pension for persons with disabilities.  

- Divyang Swarozgar Yojana: Entrepreneurship support similar to the Divyang Dukaan Yojana.  

These initiatives aim to provide the same empowerment as seen in the UP government scheme, promoting fairness and livelihood across states.  

FAQs  

1. Who can apply for the Divyang Dukaan Yojana 2025?  

Any differently-abled person (Divyangjan) living in Uttar Pradesh with a valid disability certificate who wants to start a small shop or business can apply.  

2. What kind of shops can be opened under this scheme?  

You can open small grocery shops, tea stalls, mobile accessory shops, tailoring outlets, stationery shops, and other everyday-use stores.  

3. Is this scheme available in Bihar?  

No, the Divyang Dukaan Yojana is a UP government scheme, but Bihar has similar welfare programs in place.  

Conclusion  

The Divyang Dukaan Yojana 2025 is an important UP government scheme that helps persons with disabilities by encouraging self-reliance through micro-entrepreneurship. It plays a key role in enabling inclusive growth by offering both financial and moral support.  

At the same time, Bihar government schemes are adopting similar programs to empower Divyangjan to lead independent lives. These state-led efforts are paving the way for a more accessible and fair future for everyone.  

If you or someone you know qualifies, don’t miss the chance to apply and change your life through this initiative.

[ahex-technologies]

AI in Frontend Development: How Artificial Intelligence Is Transforming UI/UX in 2025 and Beyond

Frontend development is no longer just about staying updated with the latest JavaScript framework or mastering slick animations. The real shift? It’s AI in frontend development a transformation that’s reshaping how we design, build, and optimize digital interfaces.

From wireframing to code generation, what once took hours now takes minutes, thanks to artificial intelligence. Whether you’re focused on UI design, UX optimization, or code implementation, AI is becoming a powerful design partner. Let’s dive into how AI is revolutionizing frontend workflows, tools, and user experiences in 2025.

What Is AI in Frontend Development?

AI in frontend development refers to the use of artificial intelligence to simplify, automate, or enhance the tasks involved in creating user interfaces. It can assist with:

Generating responsive layouts

Writing component code

Improving accessibility

Predicting user behavior

This doesn’t mean developers and designers are being replaced. Instead, AI enhances human creativity, handling the repetitive parts and enabling teams to focus on strategy, storytelling, and innovation.

Best AI Tools for UI/UX Designers Today

There’s a growing wave of intelligent tools designed specifically for UI/UX professionals. These tools help teams build faster and smarter.

Figma AI

Figma now offers built-in AI tools that assist with layout tweaks, accessibility insights, auto-labeling images, and content suggestions — right inside your workflow.

Framer AI

With Framer AI, just describe your layout in plain English (e.g., “Create a SaaS homepage with pricing and testimonials”), and it delivers a fully responsive, ready-to-go design.

Uizard & Galileo

Uizard turns text prompts or sketches into wireframes. Galileo takes it further, generating pixel-perfect UI based on your descriptions — speeding up the designer-to-developer handoff.

These AI UI design tools don’t just boost efficiency, they unlock a new level of creative freedom.

How Do Frontend Developers Use AI in Real Workflows?

For developers, AI is becoming a game changer, especially in simplifying repetitive and structural frontend tasks.

Generative UI

Generative UI enables devs to create layouts or UI components simply by describing them. AI generates the code, whether it’s for dashboards, landing pages, or product grids.

Frontend Design Automation

Today’s smart tools can handle:

Responsive grid systems

Color scheme suggestions

HTML structure from wireframes

CSS and Tailwind class generation

By automating these tasks, developers gain more time to work on logic, experience design, and performance tuning.

How Does AI Improve Accessibility in Frontend Design?

AI for accessibility is one of the most valuable applications in frontend development. It helps teams build interfaces that are inclusive and compliant from the start.

Key features AI supports include:

Contrast checking to catch poor color pairings

Alt text generation for images using context recognition

Keyboard navigation validation to ensure mouse-free usability

Tools like Stark AI for Figma and smart IDE plugins are already making accessibility easier and more accurate.

AI in UI/UX design isn’t just convenient, it’s a step toward a more inclusive digital world.

Using Prompts for AI-Generated UI Design

Prompt-based UI design is rapidly emerging as a go-to method for fast prototyping.

You provide a natural language prompt, and the AI handles the layout or code creation. For example:

“Create a login screen with email, password, and forgot password link.”

“Design a 3-column product grid with hover animations.”

“Build a pricing section with a toggle for monthly/yearly plans.”

By learning basic prompt engineering, designers and devs can go from idea to prototype in minutes.

Top AI UX Design Trends You Should Know

AI UX design trends are evolving fast, and they’re making digital experiences more personal, intuitive, and engaging.

1. Predictive Interfaces

AI anticipates what users need based on behaviour and context, adapting layouts and navigation dynamically.

2. Hyper-Personalization

User interfaces now adjust in real-time — think personalized colour schemes, font sizes, or feature prioritization.

3. Conversational Interfaces

Chatbot-style UIs and voice interactions are on the rise, making apps feel more human and responsive.

These AI-driven experiences go beyond aesthetics, they enhance usability and engagement like never before.

Will AI Replace UI/UX Designers or Developers?

It’s a valid concern, but here’s the truth: AI won’t replace designers or developers.

Why? Because AI lacks what makes us human:

Creativity

Emotional intelligence

Contextual understanding

Brand intuition

What AI does is eliminate the tedious stuff , letting you spend more time on ideation, testing, and crafting user experiences that actually matter.

Real-Life Example: Building a Website with Framer AI

Let’s say you need a personal portfolio website. Here’s how AI makes that easier:

Prompt: “Build a personal portfolio with a hero section, about me, project cards, and a contact form.”

Output: Framer AI instantly generates a layout with sections, styling, and sample content.

You Customize: Update fonts, images, and animations — all in under 30 minutes.

What used to take days can now happen before your next coffee break.

What’s Next for AI in UI/UX and Frontend Design?

AI isn’t slowing down. Here are some exciting areas to keep your eyes on:

Voice-to-UI: Speak your interface, and watch it build itself in real time

AI-assisted A/B testing: Interfaces adjust based on live performance metrics

Ethical design checks: AI flags dark UX patterns or manipulative flows

Live AI collaboration: Smart assistants suggest edits during real-time teamwork

The goal is no longer speed alone. It’s better outcomes for both users and creators.

Partner with Ahex Technologies — Experts in AI & Frontend Development

At Ahex Technologies, we’re not just writing about the future, we’re building it.

Whether you’re a startup looking to launch a responsive web app or an enterprise modernizing your UI/UX processes, our team leverages AI in frontend development to craft smart, scalable digital products.

End-to-end design & development

AI-integrated workflows

Accessibility-first approach

Expertise in tools like Figma AI, Framer, and Uizard

Need a UI/UX or frontend partner you can trust? Let’s talk.

Final Thoughts: AI Is Your New Design Partner

Embracing AI in frontend development doesn’t mean giving up control. It means gaining a creative partner who amplifies your ideas and accelerates delivery.

From prompt-based UI design to AI for accessibility, the tools we use are getting smarter, and so are we. Whether you’re a designer, developer, or somewhere in between, AI helps you work faster, smarter, and more creatively.

So the next time you launch Figma, VS Code, or Framer, don’t just ask “What can I build?”

Ask: “What can AI help me build better?”

AI in Frontend Development- FAQs

What are the best AI UI design tools right now?

Top tools include Figma AI, Framer AI, Uizard, Galileo, and Penpot AI. They offer features like auto-layouts, design suggestions, and real-time code generation.

How does AI support accessibility in frontend development?

AI tools can check contrast issues, generate alt text for images, suggest ARIA labels, and flag usability problems for keyboard navigation.

Can frontend developers rely on AI for code?

Yes, GitHub Copilot, Cursor, and others can generate UI components, write CSS, and assist with layout logic. But human review is still essential.

What is generative UI?

Generative UI involves creating components or layouts using AI-generated code from prompts, reducing manual work and enabling rapid prototyping.

Will AI replace UI/UX designers?

Not at all. AI helps streamline repetitive tasks, but creativity, strategy, and empathy are still human superpowers.

Want a deeper dive into AI-powered frontend workflows? Explore our full article on AI in frontend development over at Ahex.co.

[coinagesworld]

Why Chandigarh Investors Are Choosing Mutual Funds Over FDs in 2025

In 2025, Chandigarh investors are favoring mutual funds over fixed deposits (FDs) due to higher potential returns, better inflation-adjusted growth, flexibility, and systematic investment options like SIPs. As financial literacy grows, so does the shift toward diversified, professionally managed investments.

🧭 Introduction: The Investment Shift in Chandigarh

Chandigarh’s investors are evolving. With rising inflation, financial awareness, and smarter options available online, more people are now choosing mutual fund investments over traditional fixed deposits (FDs). While FDs offer capital safety, mutual funds bring higher long-term growth, flexibility, and tax efficiency — making them the go-to investment for Chandigarh's salaried professionals, families, and retirees.

📈 Why Mutual Funds Are Outshining FDs in 2025

1. Higher Returns Than Fixed Deposits

Mutual funds offer average returns between 10–15% annually in the long term, depending on the scheme.

FDs, even high-interest ones in Chandigarh, max out at 6–7%, often below the inflation rate.

2. Systematic Investment Plans (SIPs)

SIPs allow monthly auto-investments, starting from ₹500.

Perfect for salaried professionals looking to build wealth without timing the market.

3. Tax Efficiency

Mutual funds enjoy capital gains tax benefits, especially for long-term holdings.

FDs are taxed annually as per income slab — less favorable for high earners.

4. Liquidity and Flexibility

Most mutual funds allow partial withdrawals without penalties.

FDs often lock your funds for a fixed term with premature withdrawal charges.

5. Professional Fund Management

Chandigarh investors benefit from SEBI-registered advisors who help pick the best mutual fund schemes.

Mutual funds are regulated, diversified, and managed by certified experts.

🏆 Top 5 Qualities of the Best Fixed Deposit Consultant in Chandigarh

If you're still considering FDs, finding the right advisor is key. Here’s what to look for:

1. SEBI Registration & Certification

Ensures compliance and trustworthiness.

2. Tailored Financial Planning

Look for consultants who assess your income, risk appetite, and goals.

3. Transparent Charges & Payout Structure

Avoid hidden fees or commission-based advice.

4. Multi-Product Knowledge

The best advisors offer both FD and mutual fund investment services in Chandigarh for better comparison.

5. Client Testimonials & Local Expertise

Real reviews and Chandigarh-specific experience are a plus.

💼 Best Investment Options in Chandigarh for 2025

Investing ₹15,000 monthly for a year totals ₹1,80,000—a smart financial habit that can significantly grow your wealth over time. Whether you choose mutual funds, SIPs, or fixed deposits, consistent investments create financial discipline and offer compounding benefits. This approach is especially ideal for salaried professionals aiming for long-term goals like homeownership, retirement planning, or child education.

🧠 Real-Life Example: SIP vs FD in Chandigarh

Ravi Sharma, a 35-year-old professional in Sector 22, started a ₹5,000 monthly SIP in 2020. By 2025, his investment grew to ₹4.1 lakh. His friend Ramesh put the same amount into a 5-year FD and ended with ₹3.5 lakh. Mutual fund investment clearly offered superior growth and liquidity.

❓ FAQs: Mutual Funds vs FDs in Chandigarh

✅ Are mutual funds safe for first-time investors in Chandigarh?

Yes. SIPs in debt or balanced mutual funds are low-risk and ideal for beginners.

✅ Can I invest in mutual funds online from Chandigarh?

Absolutely. Use online mutual fund services in Chandigarh offices like Coinage for hassle-free setup.

✅ What’s the minimum amount to start a SIP?

You can start with as low as ₹500/month in most mutual fund schemes.

✅ Who is the Best Fixed Deposit Consultant in Chandigarh?

Choose consultants with SEBI registration, local experience, and a portfolio that includes both FDs and mutual funds for unbiased advice.

🔍 Final Thoughts

As 2025 unfolds, more Chandigarh investors are moving away from FDs toward mutual fund investments. With higher returns, tax benefits, and SIP flexibility, mutual funds align with modern financial goals. But remember — consulting a certified advisor ensures your portfolio stays balanced, secure, and growth-driven.

[royalacademyajman]

Royal Academy Ajman Fees 2025: A Complete Breakdown for Parents

Selecting the best school for your child typically boils down to two issues: quality education and clear fees. Here's a detailed rundown of the Royal Academy Ajman fees structure for 2025 so that parents can confidently plan accordingly.

1. Grade-wise Tuition Fees

Royal Academy Ajman has a simple, grade-based fee structure payable monthly and annually:

Grade - KG 1–KG 2

Monthly (AED) - 380

Annual (AED) - 3,800

Grades 1–4

Monthly (AED) - 445

Annual (AED) - 4,450

Grades 5–8

Monthly (AED) - 500

Annual (AED) - 5,000

Grades 9–10

Monthly (AED) - 570

Annual (AED) - 5,700

Grades 11–12

Monthly (AED) - 820

Annual (AED) - 8,200

(TRAC offers a 5% discount for advance payments for the full year.)

2. Discounts & Scholarships

5% Early Payment Discount

It is offered to parents who pay the whole annual fee upfront.

Sibling Discounts

Parents with two or more children get a discounted fee for the third (or subsequent) child, although conditions vary if a child withdraws.

3. Additional Fees & Optional Services

In addition to tuition, TRAC features a range of optional but necessary services that incur additional fees:

Extracurricular Activities: For sports, arts, music & clubs

Field Trips & Excursions

Transportation: School bus fares

Uniforms & Textbooks

Exam Fees: For CBSE board exams (Grades 9–12)

Canteen: Snacks & meal schemes

After-School Care

Admission/Registration Fees: Payable at the time of enrollment

These services are charged extra, typically on a term-by-term or usage basis. TRAC's clear fee policy gives parents advance notice of future charges.

4. Billing, Payment & Penalties

Billing Schedule: Monthly, termly, or annually (in case of taking the early payment discount)

Payment Options: Cash, bank draft, debit/credit card, direct deposit

Term Due Dates:

Term 1: June 30

Term 2: December 31

Term 3: March 31

Late Charges may attract CBSE-approved penalties; 30+ days overdue accounts give TRAC the authority to suspend a student or deny services. Academic records will be withheld until cleared.

Families experiencing difficulties can apply for flexible payment terms or installment schemes at the discretion and approval of the school.

5. Refund & Withdrawal Policy

Before Term Commencement: Parents may cancel with a full refund less administrative fees (percentage not stated).

After Term Commencement: No refund for the term in session, but advance payments for subsequent terms can be refunded after deduction for admin.

Disciplinary Cases: No refund for the term of withdrawal; any outstanding fees are still payable.

6. Admission Process & Fee Timing

To obtain admission, parents register, provide the required documents, and pay the registration fee. A test for diagnosis is taken, and after accepting the results, the first installment of tuition is payable at the beginning of the academic year.

With few seats available in 2025–26, TRAC invites early application and payment.

Last Thoughts for Parents

Clear Structure: Monthly and yearly fees are well delineated by grade, with early payment bonuses.

Cost Planning: Consider beyond tuition, including transport, uniforms, exams, extra-curriculars, and meals. 

Flexible Payments: Various payment alternatives with family-convenient flexibility. 

Strong Policies: Organized late-fee practices, suspension rights, and an equitable refund system. 

In Summary

Royal Academy Ajman provides great value—mixing CBSE-aligned curriculum, state-of-the-art facilities, and early payment discounts—all at competitive prices. Being aware of tuition, add-ons, and penalty policies assists families with budget planning and making informed decisions.

Need information on transport costs, examination fees, or a total cost breakdown per grade? I can obtain more details or help with TRAC's prospectus.

[realty12]

BMC Property Tax Due Dates, Penalties & Waivers for 2025

If you own a property in Mumbai, staying informed about BMC property tax regulations is essential. The Brihanmumbai Municipal Corporation (BMC) levies this tax annually on all residential and commercial properties in the city. Understanding the due dates, potential penalties, and applicable waivers for 2025 can help you avoid unnecessary charges and manage your payments smoothly.

Due Dates for BMC Property Tax in 2025

The BMC property tax for the financial year 2025-26 is typically billed in two halves—April and October. The first installment is due by March 31, 2025, and the second by September 30, 2025. However, property owners are encouraged to pay the full amount by the first due date to avail of early payment benefits, if any are announced.

Timely payment is crucial, as it helps avoid penalties and ensures your property records remain in good standing with the BMC. Property tax bills are usually available online through the BMC’s official portal, allowing residents to pay digitally and download receipts instantly.

Penalties for Late Payment

Missing the BMC property tax due date can result in a 2% monthly penalty on the outstanding amount. This interest continues to accrue until the dues are cleared. Consistent delays may also lead to legal notices, property sealing, or even auction in extreme cases. Therefore, it’s advisable to mark the dates and set reminders to avoid late fees.

Waivers and Rebates

The BMC often announces waivers or rebates to promote timely tax compliance. For 2025, while official announcements are awaited, previous trends suggest the possibility of:

Early bird rebates of up to 5-10% for full payments made before the first due date.

Senior citizen and physically disabled exemptions for eligible property owners.

Concessions for eco-friendly buildings or properties below a certain valuation threshold.

Residents should regularly check the BMC website or visit the nearest ward office for updates on any such waivers or schemes.

Final Thoughts

Paying your BMC property tax on time helps fund vital civic services like sanitation, road maintenance, and waste management. By staying aware of due dates, understanding penalties, and leveraging applicable waivers, Mumbai property owners can contribute responsibly while saving money. Set calendar alerts, pay online, and stay updated to keep your records clean in 2025.

[sandip121]

One District, One Dream: District-Level Champions of Change

“When one district rises with purpose, a thousand villages follow with pride.”

— Rajesh Shukla, Chief Strategist, Inspire India Now

The Need for District-Driven Transformation

India’s development models have often leaned heavily on central schemes or state-level blueprints, with the district playing a passive role in execution. Yet the district is where policy meets people, strategy meets soil, and vision meets reality.

With this insight, Inspire India Now, under the strategic leadership of Rajesh Shukla, launched the “One District, One Dream” initiative—a powerful campaign that transforms each district into a laboratory of innovation, hub of inclusion, and engine of empowerment.

This isn’t just decentralization—it’s localized leadership with national impact.

The Core Philosophy: Identity + Intent + Impact

Each of India’s 750+ districts has:

A unique demographic DNA

A rich cultural ethos

Distinct challenges and strengths

Rather than applying a one-size-fits-all model, Inspire India’s approach is to help each district identify one unifying developmental mission—its “Dream”—and rally all stakeholders behind it.

Examples of District-Level Dreams

District

Core Dream

Execution Model

Chandauli, UP

Youth Skill Hub

IT + Agro Tech Training in local schools

Gadchiroli, MH

Tribal Health First

Mobile wellness hubs + indigenous healers

Panna, MP

Eco-Tourism Economy

Women-led green homestays, forest rangers

Birbhum, WB

Craft Revival

GI-tagged textile clusters + e-market access

Kangra, HP

Gurukul 2.0

Ethics-based education models in hill schools

Each district becomes a flagbearer of hope, rooted in local pride and aligned with national priorities.

5-Step District Activation Framework

Dream Mapping Workshops Multi-stakeholder consultations with youth, artisans, farmers, teachers, and officials to identify the district’s unifying mission.

Champion Incubation A cohort of 50–100 local changemakers is trained, mentored, and funded to execute aligned projects—from education reform to micro-enterprise hubs.

Dream Circles Monthly community gatherings where citizens monitor progress, celebrate wins, and share innovations.

District Innovation Fund Micro-grants provided to high-impact local pilots through a public-private innovation challenge.

Impact Dashboard A live digital tracker showcasing monthly progress in key metrics, visible in panchayat offices, schools, and online platforms.

The Power of Local Champions

At the heart of this movement are district-level champions—teachers, nurses, SHG women, forest guards, panchayat heads—who are no longer implementers, but co-authors of change.

“My job was to monitor attendance. Now I mentor girl coders in my village.” — Sarla Devi, Cluster Officer, Chitrakoot

“I always knew our mud toys were special. Inspire India made the world see them too.” — Munnu Lal, Artisan, Varanasi

Early Results (2023–2025)

90+ districts with clearly defined “Dream” strategies

12,000+ micro-projects activated via district incubators

600+ youth fellows placed in rural schools, health centers, and panchayats

30+ traditional art forms revived with export potential

10,000+ women entrepreneurs trained through local Dream Hubs

Rajesh Shukla’s Strategic Perspective

According to Rajesh Shukla, districts must not wait for change—they must lead it.

“When every district dreams differently, the nation grows collectively. The future of India is not Delhi-centric. It’s decentralized, dignified, and district-driven.”

This model is his answer to the “middle-mile crisis”—the governance vacuum between state power and grassroots reality. His vision transforms that middle into a mission zone.

Conclusion: From District Identity to National Glory

The “One District, One Dream” movement by Inspire India Now shows that transformation is not about grand national schemes alone. It is about igniting aspiration where it matters most—at the district level, where every Indian first learns to belong, contribute, and lead.

In the India that Rajesh Shukla envisions, every district becomes a flag of pride, every citizen a champion of purpose, and every dream—a catalyst for national awakening.

29) Social Capital as Currency: Rebuilding Trust in Rural Institutions

"Where trust is rebuilt, progress follows. Social capital is the true wealth of Bharat."

— Rajesh Shukla, Chief Strategist, Inspire India Now

Why Social Capital Matters More Than Ever

In rural India, infrastructure can be built quickly, but rebuilding trust in institutions—schools, panchayats, banks, healthcare systems—requires something deeper: social capital. This intangible asset—mutual respect, cooperation, shared identity, and accountability—has been eroded over decades by corruption, neglect, and exclusion.

Inspire India Now, under the strategic leadership of Rajesh Shukla, views social capital not as a soft value, but as a hard currency—essential for governance, service delivery, and sustainable development.

The Crisis of Trust in Rural Bharat

Despite government schemes, rural communities often distrust:

Local institutions due to inefficiency or bias

Elected representatives due to unfulfilled promises

External NGOs and officials who come and go

Banks and cooperatives seen as exploitative or distant

This trust deficit leads to non-participation, policy resistance, and a culture of dependency, making meaningful transformation impossible.

Inspire India’s Trust-Building Blueprint

To restore rural faith in institutions, Inspire India Now leverages social capital as an operational tool. The approach is not only top-down, but inside-out and bottom-up, centered on community trust networks.

1. Swaraj Circles

Facilitated dialogues involving elders, youth, women, SHGs, teachers, and elected reps. These monthly gatherings discuss issues openly and make collective decisions. ✔ Brings transparency ✔ Creates shared ownership ✔ Reinstates dignity in dialogue

“People must see democracy, not just vote in it.”

2. Trust Scorecards

Community members publicly rate institutions like health centers, banks, and schools. This generates:

Real-time accountability

Citizen feedback loops

Healthy competition between service providers

“When people are heard, they engage. When they engage, trust grows.”

3. Local Integrity Pacts

Inspire India mobilizes community-signed charters pledging:

Honest use of public funds

Time-bound service delivery

Regular social audits

These charters are painted on village walls—visible, binding, and proud.

4. Returning Heroes Program

Local youth who succeed in cities are invited back as mentors, volunteers, and advisors. Their return:

Inspires credibility

Bridges old and new knowledge

Creates aspirational trust anchors

“When your own becomes your guide, belief returns.”

5. Public Gratitude Rituals

Inspired by cultural traditions, villagers now honor honest teachers, ASHA workers, and sarpanchs in ceremonies. This shifts the narrative:

From blame to recognition

From cynicism to celebration

🎉 “Celebrating honesty is the first step to normalizing it.”

 Impact Snapshot (2023–2025)

210+ villages practicing monthly Swaraj Circles

1,000+ institutions publicly rated via trust scorecards

3,500+ youth returned as village mentors

78% increase in rural grievance resolution rates

30% rise in voter turnout in Gram Sabha elections

 Rajesh Shukla’s Insight: Development is a Relationship

Rajesh Shukla firmly believes trust is the foundation of sustainable development. He argues:

"You cannot build a nation on skepticism. If people don’t believe in their local school, bank, or leader, then no scheme will ever succeed. Rebuilding social capital is not a task—it is a mission.”

For him, policy must be personified—with real people, trusted neighbors, and shared responsibility.

 Conclusion: A New Economy of Trust

By treating social capital as currency, Inspire India Now is building a rural renaissance powered not only by finance or infrastructure—but by faith, relationships, and community leadership.

This model redefines development not as the delivery of services, but as the cultivation of shared trust. When institutions work with people, not just for them, the journey from dependency to dignity begins.

[jain2580]

Instant Working Capital Loan for Startups & SMEs – No Collateral Needed (2025)

Why Working Capital is the Lifeline of Your Business

Running a small business or startup in 2025 is exciting—but let’s be honest, it’s not without its challenges. Whether you’re launching a new venture or growing an existing one, cash flow can make or break your success. You might have the best products or services, but without steady working capital, daily operations can come to a halt.

That’s where a working capital loan for small businesses and startups becomes your best financial ally. In this guide, we’ll simplify everything you need to know—from how it works, where to get it, interest rates, documents, and even myths busted—to help you make the smartest funding decision.

What is a Working Capital Loan?

A working capital loan is a type of business loan specifically meant to finance the short-term operational needs of a business. This includes everyday expenses like rent, payroll, raw materials, marketing, and inventory.

Unlike long-term loans that are meant for purchasing assets or equipment, working capital loans for businesses ensure you don’t run out of cash while waiting for customer payments or during a slow sales season.

Who Needs a Working Capital Loan?

New business owners need cash to survive the initial months.

Startups are waiting on seed funding or investor payouts.

MSMEs are scaling their team or stocking inventory for seasonal demand.

Small manufacturers or traders need bridge funding between supply and sales.

Whether you're looking for a working capital loan for a new business in India or need help to manage fluctuating revenues, these loans provide the necessary breathing room.

Comparison Table: Best Working Capital Loan Providers in India (2025)

Tip: Choose a provider that aligns with your business size, speed needs, and repayment comfort. Don’t just go for the lowest interest rate.

Working Capital Loan Calculation

To calculate how much you need, use this simple formula:

Working Capital = Current Assets – Current Liabilities

If you’re still unsure, many online platforms offer working capital loan calculators. You just need to input:

Monthly expenses

Current receivables

Outstanding dues

And you’ll get a quick estimate of how much working capital you actually need to keep your business flowing smoothly.

How to Get a Working Capital Loan in India (2025 Process)

Getting a quick approval working capital loan online in 2025 has become easier than ever. Here’s the step-by-step breakdown:

Step 1: Check Eligibility

Minimum 6 months to 1 year of business operations.

Monthly turnover requirement (differs by lender).

Business registration documents.

Step 2: Compare Loan Offers

Look for low-interest working capital loans comparison across platforms like BankBazaar, LendingKart, and directly on bank websites.

Step 3: Apply Online

Fill in a working capital loan application on the lender's portal. Upload necessary documents like PAN, Aadhaar, GST returns, and bank statements.

Step 4: Loan Disbursal

Upon approval, funds are transferred to your account—sometimes within 24 hours.

Top Banks & Startup-Friendly Schemes

Here are some startup-friendly working capital loan schemes you should explore:

MUDRA Yojana (for new businesses and MSMEs)

Stand-Up India Scheme (for SC/ST/Women entrepreneurs)

SIDBI Startup Mitra

Kotak Startup Working Capital Loan

These schemes offer lower interest rates and relaxed eligibility for startups and MSMEs.

Long-Term Working Capital Financing Options

If your need is not short-term and you’re looking for longer repayment periods, consider:

Working Capital Term Loans (up to 5 years)

Overdrafts & Cash Credit Lines

Invoice Discounting & Receivables Financing

These allow more flexibility and sustainability for businesses scaling over the long term.

Types of Working Capital Loans

Understanding the type of loan that suits your requirements is key:

Real Scenario

I run a small packaging business in Pune. During Diwali season, orders doubled, but I didn’t have enough stock or staff to handle them. I applied for a quick working capital loan through LendingKart. It was approved in 48 hours, and I scaled operations in time. That loan saved my biggest sales season.

— Anil Mehta, Small Business Owner

Benefits of Working Capital Loans for Small Businesses

No need to dilute equity or seek investors

Quick processing and disbursal

Available even without collateral

Flexible repayment tenures

Helps manage cash flow during lean months

Documents Required for Working Capital Loan Application

PAN card of the business owner & entity

Aadhaar card

GST registration

Business registration proof (Udyam/MSME/Partnership Deed)

Last 6–12 months’ bank statements

ITR filings or audited financials (if applicable)

Final Thoughts: Should You Go for It?

A working capital loan for a small business or new startup isn’t just about getting money—it’s about gaining control over your cash flow. If your revenue is seasonal, your clients pay late, or you’re in growth mode, this could be your smartest decision in 2025.

Just remember: Borrow smart. Compare terms. Read the fine print. And most importantly, only borrow what you can repay without hurting your business.

FAQs on Working Capital Loans (2025)

1. Can I get a working capital loan for a new business in India?

Yes, startups and new businesses can apply under government schemes like MUDRA or from fintech lenders offering startup-friendly terms.

2. What is the typical interest rate for working capital loans?

Interest rates range from 9% to 16%, depending on the lender, credit profile, and collateral (if any).

3. Is collateral mandatory for a working capital loan?

Not always. Many SME working capital loans are without collateral, especially from online lenders or government schemes.

4. How long does it take for loan approval?

With online applications, quick working capital loans can be approved within 24–72 hours, especially with complete documentation.

5. How is working capital loan repayment structured?

Repayment is usually done through EMIs or bullet payments over 12 to 60 months depending on the loan structure.