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The first full budget of the BJP-led NDA government in its third successive term will be presented by <keyword id="19956758" type="General" weightage="20" keywordseo="Finance-Minister" source="keywords">Finance Minister</keyword> <keyword id="19916618" type="General" weightage="20" keywordseo="Nirmala-Sitharaman" source="keywords">Nirmala Sitharaman</keyword> on July 23. The government on Saturday announced the dates of the budget session of Parliament which will start on July 22 and conclude on August 12. Finance Minister Nirmala Sitharaman, who will present the <keyword id="19908389" type="General" weightage="20" keywordseo="Union-Budget" source="keywords">Union Budget</keyword> 2024-25, has been holding pre-budget consultations. As part of the deliberations, she has met economists, experts in finance and capital markets, industry representatives and agriculture experts. Industry bodies, including the Confederation of Indian Industry (CII), have urged the government to increase capital expenditure in the upcoming budget. This will be Sitharaman's seventh budget in a row. She will be the first Union Finance Minister to present seven consecutive union budgets. Former Prime Minister Morarji Desai had presented six budgets in a row. Parliamentary Affairs Minister Kiran Rijuju announced the dates of budget session. "Hon'ble President of India, on the recommendation of the Government of India, has approved the proposal for summoning of both the Houses of Parliament for the Budget Session, 2024 from 22nd July 2024 to 12 August 2024 (Subject to exigencies of Parliamentary Business). Union Budget, 2024-25 will be presented in Lok Sabha on 23 July 2024," he posted on X. The <keyword id="19916814" type="General" weightage="20" keywordseo="Modi-government" source="keywords" meta.keywordsubtype="org" meta.entityname="Modi government" meta.hostid="153" meta.entityid="Modi government">Modi government</keyword> had presented an interim budget in February this year. Sitharaman had announced in the interim budget that the capital expenditure outlay for the next year is being increased by 11.1 per cent to Rs 11,11,111 crore, which would be 3.4 per cent of the GDP. The government had also announced that Rs one lakh crore corpus will be established with five-year interest free loan for youth. Newly-elected Lok Sabha members took oath in the first session of 18th Lok Sabha held from June 24 to July 2 following the results of the general elections. President Droupadi Murmu addressed the joint sitting of two Houses on June 27 and both Lok Sabha and Rajya Sabha adopted a motion of thanks on the President's address. Prime Minister Narendra Modi replied to the debate on the motion of thanks in the two Houses of Parliament. BJP-led National Democratic Alliance returned to power for the third successive term in the general elections.

FM Nirmala Sitharaman to present first budget of Modi 3.0 on July 23

Domestic <keyword id="19910265" type="General" weightage="100" keywordseo="gold-prices" source="keywords">gold prices</keyword> have risen by 10% on a year-to-date basis on the back of the strength in global gold prices, which have surged by 18% year-to-date, driven by robust <keyword id="19894998" type="General" weightage="20" keywordseo="central-bank" source="keywords">central bank</keyword> purchases, heightened geopolitical risks, and growing expectations of a monetary policy pivot from the <keyword id="19901377" type="General" weightage="20" keywordseo="us-federal-reserve" source="keywords">US Federal Reserve</keyword>, according to the <keyword id="20195223" type="General" weightage="20" keywordseo="World-Gold-Council" source="keywords" meta.keywordsubtype="org" meta.entityname="World Gold Council" meta.hostid="153" meta.entityid="World Gold Council">World Gold Council</keyword>. The reduction in <keyword id="20069572" type="General" weightage="20" keywordseo="import-duty" source="keywords">import duty</keyword> has ignited a resurgence in gold demand across <keyword id="19895063" type="General" weightage="20" keywordseo="India" source="keywords">India</keyword>. Reports from the recently concluded India International Jewellery Show indicate a substantial increase in order bookings from retailers, particularly in preparation for the upcoming festive and wedding season. Manufacturers have noted that in some cases, orders have reached levels not seen in several years, underscoring the strong buying interest among <keyword id="21595593" type="General" weightage="20" keywordseo="jewellery-retailers" source="keywords">jewellery retailers</keyword> and consumers alike. The trend of bar and coin buying has also remained robust, with both consumers and jewellers capitalizing on the more attractive prices to stock up for future manufacturing needs. Historical analysis suggests that Indian consumer demand, encompassing jewellery and bar and coin demand, could see an additional 50 tonnes or more in the second half of 2024. This potential increase is fueled by a combination of an initial boost in consumer appetite due to the more attractive prices and a longer-term alignment of local prices with international rates. In a notable shift, domestic gold prices, which had been trading at a discount to international prices for five consecutive months, have now started trading at a premium following the <keyword id="19908389" type="General" weightage="20" keywordseo="Union-Budget" source="keywords">Union Budget</keyword> announcement. The discount had widened significantly in July, reaching a peak of around $80 per ounce in the third week of the month, driven by subdued demand and an increased supply of gold through various preferential trade agreements and unofficial channels. However, wholesalers who had inventory purchased under the old customs duty regime began selling gold at a premium to the landed cost to mitigate their losses, further supported by increased consumer demand. While the premiums have moderated recently, from $28 per ounce to around USD 5 per ounce, this shift highlights the changing market sentiment and the impact of rising international gold prices and potential inventory valuation adjustments. The changes introduced in the Union Budget, including a reduction in the long-term investment holding period and a lower tax rate, have made gold ETFs a more attractive investment option. Data from the Association of Mutual Funds in India (AMFI) reveals that net inflows into gold ETFs in July amounted to Rs 13.4 billion (approximately USD 160 million), marking the highest monthly inflows since February 2020 and an 84% increase compared to June 2024. Despite these inflows, the total assets under management (AUM) for Indian gold ETFs grew marginally by 0.3% from the previous month, reaching Rs 345 billion ($4.1 billion). This modest increase can be attributed to the 8 % fall in domestic gold prices following the import duty reduction. Year-to-date, net inflows into Indian gold ETFs have totalled Rs 45 billion ($543 million), with total AUMs rising by 48 % from a year ago. The <keyword id="19899810" type="General" weightage="20" keywordseo="Reserve-Bank-of-India" source="keywords" meta.keywordsubtype="org" meta.entityname="Reserve Bank of India" meta.hostid="153" meta.entityid="Reserve Bank of India">Reserve Bank of India</keyword> (RBI) has continued its gold purchasing trend, although at a slower pace following a significant increase in June, when purchases reached 9.3 tonnes--the highest monthly total in nearly two years. Year-to-date, the RBI's gold acquisitions have totaled 44.3 tonnes, surpassing the total purchases of the past two years combined. The RBI's gold reserves have now reached a record 849 tonnes, representing 8.8% of total foreign reserves, compared to 7.5 % a year ago. In July, gold imports remained steady at $3.1 billion, maintaining the stable trend observed over the previous three months. Between April and July, imports averaged $3.2 billion, with volumes ranging between 43 and 47 tonnes during this period. The gold import bill for July 2024 was 11 % lower than the previous year, with an estimated 26% decrease in volume terms, around 47 tonnes. Despite a surge in international gold prices, domestic gold prices in India have experienced a notable decline, primarily due to the 9 % reduction in import duty announced in the Union Budget 2024-25. This policy change has led to a 6% decrease in the landed cost of gold, marking a shift in the domestic gold market dynamics.

Domestic gold prices surge 10% amid global price rally, central bank buying: World Gold Council

With the 2024 general elections handing the <keyword id="19894848" type="General" weightage="20" keywordseo="BJP" source="keywords" meta.keywordsubtype="org" meta.entityname="BJP" meta.hostid="261" meta.entityid="BJP">BJP</keyword> and its allies a fractured, albeit ruling majority in the country for the third consecutive time, India is now gearing up for the 2024–25 <keyword id="19908389" type="General" weightage="20" keywordseo="Union-budget" source="keywords">Union budget</keyword>, which will be presented on July 22 between 11 am and 1 pm. The <keyword id="20613906" type="General" weightage="20" keywordseo="economic-survey" source="keywords">economic survey</keyword> is traditionally presented the day before. However, as per reports, the economic survey is likely to be released on July 3rd this year. The famous halwa ceremony will take place 10 days before the budget is tabled. Pre-budget consultations will begin on June 17th. FM <keyword id="19916618" type="General" weightage="20" keywordseo="Nirmala-Sitharaman" source="keywords">Nirmala Sitharaman</keyword> will become the first finance minister to have presented seven straight budgets, a record previously held by <keyword id="238033" type="General" weightage="20" keywordseo="Morarji-Desai" source="Orion">Morarji Desai</keyword>, who had six consecutive budget presentations to his name. To date, Sitharaman has tabled five full and one interim budget. The first parliamentary session under Modi 3.0 will kick off on June 24, and the 264th session of the parliament will take place between the 27th of June and the 3rd of August. The year is set to see two budgets: one full-fledged budget in July and an interim budget presented on February 1, 2024. <cmsannotation type="cmsannotation" annotationid="What can we expect from this budget?" comment="subhead" text="What can we expect from this budget?">What can we expect from this budget?</cmsannotation> Presenting an interim budget is customary during election years in India since it facilitates the transfer of work and finances between the outgoing and incoming governments. With the upcoming budget, PM Modi’s government will largely focus on tackling unemployment, issues in the agriculture sector, and maintaining the flow of capital expenditure in the economy. The simplification of the <keyword id="19993914" type="General" weightage="20" keywordseo="GST-regime" source="keywords">GST regime</keyword> and rolling out the 3rd edition of the <keyword id="20359761" type="General" weightage="20" keywordseo="FAME-scheme" source="keywords">FAME scheme</keyword> (Faster Adoption &amp; Manufacturing of Electric Vehicles) will also rank highly on the budget agenda. In that stead, a meeting of the GST council is also scheduled to take place on June 22nd. Additionally, experts are also anticipating the expansion of the PLI (production-linked incentives) schemes in this budget to include other sectors as well. <cmsannotation type="cmsannotation" annotationid="Lesser-known budget milestones" comment="subhead" text="Lesser-known budget milestones">Lesser-known budget milestones</cmsannotation> Till 2019, the union budget was carried in a briefcase, a practice initiated by India’s first FM, Sir RK Shanmukham Chetty. In 2019, the budget was presented as a traditional bahi-khata for the first time. It went paperless in 2021 after the FM introduced the budget via a tablet. Apart from having presented most budgets, Sitharaman also holds the record for having delivered the longest budget speech while presenting the Union budget for 2020–21. She spoke for two hours and 42 minutes. On the other hand, India’s shortest-ever budget speech was given in 1977 by Hirubhai Patel.

Union budget 2024-25 : When will it be presented, what to expect and more

<ul class="summary-list"><li>Some young people are considering a "lavender marriage" over a traditional relationship.</li><li>Lavender marriages historically helped conceal sexual orientation, but Gen Zers are redefining it.</li></ul>For many young people right now, the <a target="_blank" href="https://www.businessinsider.com/dating-apps-find-love-romance-online-tinder-match-total-scam-2024-10">dating scene is rough</a>, their families are far away, and <a target="_blank" href="https://www.businessinsider.com/high-rent-costs-renters-rental-housing-market-affordability-income-prices-2024-5">housing is expensive</a>.To share the load, some are opening up applications for "lavender marriages" — something that was once the preserve of the LGBTQ+ community.The term was originally coined in the early 20th to describe a union between a man and a woman in which one or both partners are homosexual or bisexual.It was meant to provide a facade for those who wanted to hide their sexuality from wider society.But lavender marriages have made a resurgence on social media in recent months among Gen Zers who are tired of being broke, single, <a target="_blank" class="" href="https://www.businessinsider.com/tiktokers-are-documenting-the-epidemic-of-loneliness-2023-4">and lonely</a>. Some videos with the hashtag #lavendermarriage on TikTok have amassed <a target="_blank" class="" href="https://vm.tiktok.com/ZGdeFu9BW/">millions of views</a> on the platform.Robbie Scott, a TikToker and musician with 300,000 followers, recently posted a video asking for "applications for a lavender marriage" because he wanted to live with someone so he could afford mortgage payments, utilities, and taxes."You can mess around with whoever you want, whenever you want, I don't care," he said in the video, which has received <a target="_blank" class="" href="https://vm.tiktok.com/ZGdeYrKj4/">more than five million views</a>. "In fact, I encourage it. Have fun. Live your best life."<h2 id="1c4be94f-a91b-485c-9850-ac0905f2ba7c">A modern-day lavender marriage</h2>Traditionally, a lavender marriage was just that — a legally binding marriage.Edward Reese, a gender and sexuality expert at the LGBTQ+ dating app Taimi, told Business Insider that this can still be true. It can bring benefits such as inheritance rights, childcare, tax breaks, better mortgage rates, and primary care if one of you gets ill."People can do it in case one or both partners don't have family or have gone no contact, and their lavender spouse becomes not only their best friend but a legal family member," he said.But the modern version of a lavender marriage could also simply be a spoken agreement between two people to live their lives like a married couple, without the sex.This is different from having a roommate, Reese added, who can move out of a shared household any minute, whenever they choose."The couple in the lavender marriage is expected to get through all the conflicts, discuss and compromise," he said. "It's a union with commitment, love, and loyalty, and all of these can be not romantic."Christine DeVore, a licensed clinical psychologist who is the director of adult and couples services at Birch Psychology, told BI that a lavender marriage offers a practical solution to some of life's burdens."It's a way to ease financial stress while still being independent," she said.While somewhat tongue-in-cheek, Scott's video on TikTok prompted other Gen Zers to share their thoughts. They said lavender marriages were "<a target="_blank" href="https://www.tiktok.com/@a_literal_crab_rangoon/video/7421015761826663722">looking more appealing by the day</a>" and that the agreement might be what they "<a target="_blank" href="https://www.tiktok.com/@afreakingmaya/video/7375348974997523758">really need</a>."Several older viewers commented, saying they had given lavender marriages a try and were happier than ever.<div type="image" title="Couple holding hands, wearing wedding rings, on their wedding day." height="2574" width="3861" msid="114123013" hostid="261" sizebytes="164894"></div>Sofie Roos, a licensed sexologist, relationship therapist, and sexual health expert who writes for the sex-positive magazine <a target="_blank" href="https://passionerad.se/">Passionerad</a>, added that there are many other benefits to a lavender marriage, including physical touch and comfort.She said benefits can include "cuddling in front of a TV show or when reading a book, sleeping together, and providing physical support and safety when needed.""Just as in every marriage, you feel safe with the person," Roos added. "Even though no attraction is involved, you can gain much more from being physically close to your lavender married partner than being close to a friend or to a one-night stand."<h2 id="0b761dc2-b1a7-47c3-8360-c29646ae62d2">A deeper issue</h2>It's unclear exactly how many lavender marriages are taking place, and to what extent the conversations on TikTok reflect a wider trend. But they do hint at more serious societal issues.Dating is still big business. Dating companies generated more than <a target="_blank" href="https://www.businessinsider.com/dating-apps-find-love-romance-online-tinder-match-total-scam-2024-10">$5 billion</a> in 2023 alone. Match Group generated annual revenues of more than $3.4 billion, while Bumble had revenues of $1.1 billion last year.But growth appears to be slowing. Match Group's paying users fell by around 6% in the first quarter of the year. It is now valued at $9.51 billion, down from $50 billion in 2021. Meanwhile, Bumble's value has fallen by around 90% since it went public in 2021. It is now worth around $822 million.That may be because Gen Zers are <a target="_blank" href="https://www.businessinsider.com/gen-z-dating-trend-online-apps-friends-romantic-partners-relationships-2023-3">turning away from </a>dating apps, with some thinking the apps now miss the point of what made them fun in the first place — <a target="_blank" href="https://www.businessinsider.com/tinder-hinge-okcupid-operator-match-sued-making-dating-apps-addictive-2024-2">going after profits</a> rather than real connections.Others are tired of modern dating culture, with <a target="_blank" href="https://www.businessinsider.com/fancy-first-date-no-connection-ghosted-2023-8">ghosting</a>, catfishing, and some prospective partners not showing up to dates at all.One creator, Cleopatra, who is 23, told BI that what really appealed to her is the community aspect, where women can live without fear of being hurt or abused."I think the majority want change," Cleopatra said. "This patriarchal lifestyle, these gender roles, are becoming exhausting, to say the least.""The dating pool is certainly full of shit," she added.She said the financial stability the arrangement could offer was also definitely a draw, particularly given <a target="_blank" href="https://www.businessinsider.com/gen-z-millennials-housing-costs-insurance-debt-election-trump-biden-2024-6">Zoomers have more debt</a> and are paying more for housing than millennials did a decade ago.According to a recent <a target="_blank" href="https://www.businessinsider.com/dating-apps-find-love-romance-online-tinder-match-total-scam-2024-10">Washington Post</a> analysis of Bureau of Labor Statistics data, Gen Z is spending 31% more on housing costs compared to what millennials paid 10 years ago, a figure which also factors in inflation.The Post analysis said that car insurance costs increased more than twofold for Americans aged 16 to 24 between 2012 and 2022, and health insurance costs spiked 46% for this group during the same time span.That has led some to consider "<a target="_blank" href="https://nypost.com/2023/12/13/lifestyle/i-want-an-inflationship-lets-live-sexless-and-financially-free-in-the-same-bed/">inflationships</a>" — living in the same room, in the same bed, without having sex. Lavender marriages could just be furthering this trend.<h2 id="d50f74e2-7f51-4604-8646-2d542838f5a1">Boundaries are important</h2>For young people who are reconsidering how to approach relationships, a lavender marriage "can be a great replacement," Reese said. People are more commonly discovering they are aromantic or asexual, he added, which questions the pop culture norm of focusing on straight sex and love for so long.There are challenges, however. DeVore and Roos warned that emotional complexities can arise from such entanglements, and open communication about boundaries and feelings is vital for it to work.For example, the rules of a lavender marriage may be vague, meaning there could be the potential for upset down the line. Partners may disagree on what is allowed outside the relationship and what isn't and have different ideas of what defines cheating.Roos said this is when lavender marriages can show their weak side, triggering feelings of jealousy and sadness if one partner starts feeling left out.The arrangement may also not suit both people forever, such as if one decides to pursue a romantic relationship."What felt OK when talking things through before, or at the beginning, of the marriage, might therefore, later on not feel OK at all," Roos said.Ultimately, she said challenges and conflicts can arise even in the most committed partnerships, DeVore said."While a lavender marriage may offer certain advantages, it does not guarantee a lifetime of happiness and fulfillment," she said."It's important to remember that no relationship, including a lavender marriage, is immune to heartache."

For Gen Zers tired of dating, applications for lavender marriages are open

<ul class="summary-list"><li><a href="https://www.insider.com/best-easy-cheap-dinners-for-big-families-10-kids-2021-6">I have 11 kids</a>, and I try to stick to a grocery budget of $1,200 a month for my family of 13.</li><li>No matter how good a deal is, if it's not something your family usually eats, it's probably a waste.</li></ul>As a mom of 11, buying food for 13 people can get expensive. If I'm not careful, my grocery bills can easily creep to $2,000 a month, which is way more than the $1,200 I have budgeted. Thankfully, I've learned a few strategies over the years to help keep costs low.Here are my best tips for <a href="https://www.businessinsider.com/things-not-to-do-when-grocery-shopping-mistakes">grocery shopping</a> on a budget. <h2>Start by making a meal plan and breaking down what ingredients you'll need for it</h2>Before I set foot in a grocery store, I plan <a href="https://www.businessinsider.com/best-easy-cheap-dinners-for-big-families-10-kids-2021-6">what I'm going to cook</a> in the coming days or weeks. This way, I know that every ingredient I add to my cart has a purpose. When you know you'll use everything you buy, you save money and also prevent waste. <h2>Bring a shopping list with you to the store</h2><div type="image" title="hands holding a shopping list while pushing a grocery cart" height="1000" width="1334" msid="113102854" hostid="261" sizebytes="46878"></div>You can make a master <a href="https://www.businessinsider.com/costco-best-things-for-moms-to-buy-for-a-big-family">shopping list</a> that you use over and over again or write a new one before each shopping adventure. While you're writing your list, go through your kitchen and check on the status of necessary spices and pantry staples. It's easy to assume that you have something basic on hand, only to realize you're out once you start cooking.After you write the list, it's also crucial that you remember to bring it with you to the store. Too often I write a shopping list but forget it and am stuck shopping from memory, which usually ends with me forgetting ingredients and buying things I don't actually need. <h2>Create a shopping-list method that works for you, whether it's on paper or digital</h2>There isn't one right way to make a shopping list, and if you find the process painful to create and use, you're not going to stick to it. I've tried several styles of shopping lists over the years. What works best for me in this season of life is creating my list in Microsoft Excel, printing it out, and bringing the hard copy with me. It's totally legible — unlike my quirky scrawled handwriting — and I can cross off items as I add them to the cart. Plus, no matter what order I add things in, I can quickly sort them by store and category in Excel. This makes the actual shopping part much easier, as I'm not <a href="https://www.businessinsider.com/best-path-to-take-in-the-grocery-store-2018-12">aimlessly wandering around</a> each part of the store or having to backtrack.<h2>When I'm shopping, I put my kids in charge of the list</h2>I almost always take some of my kids with me to the <a href="https://www.businessinsider.com/chefs-share-their-favorite-foods-to-buy-at-grocery-stores-2019-4">grocery store</a>, which I use to my advantage.I turn my list and a pen over to my middle-grade kids at the start of the shopping trip. They can read off each item to help make the shopping trip go more quickly. Most of my kids take the job of list manager very seriously. If I add something to the cart that's not on the list, they ask me about it. This accountability helps me to decide whether it's something I need to buy or just an impulse purchase.My kids will typically write the item in question on the list if I decide to buy it. This way, they can still cross it out, which is their favorite part.<h2>Know the prices of basic things you buy a lot</h2><div type="image" title="The milk section of a grocery store is pictured in Los Angeles April 7, 2011." height="533" width="711" msid="113102850" hostid="261" sizebytes="65618"></div>On every shopping list, I include the estimated price of each item I buy so I can stay on top of my budget before I even enter the store. Having a general price point in mind also helps me spot bargains. If something is on sale, I can quickly compare it to see how much I'll save. It also allows me to compare prices <a href="https://www.businessinsider.com/grocery-store-shopping-hacks-2018-9">between stores</a> if I suspect one has a better price. If the price changes drastically on an item I buy frequently, I take time to jot down the new one on my list while I'm in the store. Then the next time I open the master list on my computer, I can quickly update it. <h2>No matter how good the deal is, if you aren't going to use it, don't buy it</h2>I like having food on hand so I know that my family will still have things to eat if something happens and we can't make it to the store for a while. But it's easy to take that attitude to the extreme.I used to stock up on almost everything that was on sale because I liked keeping the pantry full and thought it was a frugal way to do it.This was a mistake. I ended up with lots of food in my cupboards that no one in my family actually liked, and everything just sat around for years until it finally reached its expiration date and had to get tossed.<h2>Go to a couple of stores for all your list items</h2>When I go grocery shopping, I almost always visit the same three or four stores. This allows me to take advantage of different products at each without getting burned out from going to too many places. I typically hit <a href="https://www.businessinsider.com/costco-best-things-for-moms-to-buy-for-a-big-family">Costco</a> first because I buy bulk goods there, and they take up a lot of room in the van. I don't want to smash bags of food from another store by piling big boxes on top.<h2>If you shop less often, you'll likely end up spending less money</h2><div type="image" title="coronavirus grocery store" height="2767" width="3689" msid="113102856" hostid="261" sizebytes="535396"></div>I live smack in the middle of nowhere. The nearest grocery store is 15 miles away, and I have to drive almost an hour to get to a decent-sized town with more than one shopping option.I can't just quickly run to the grocery store if I forget something, which makes all my planning and list-making even more important. Even if you live close to the store, you can use this tip to <a href="https://www.businessinsider.com/how-to-save-money-at-the-grocery-store-2018-1">help you save money</a>. Each time you go into a store, you have the opportunity to spend more than you were planning. If you go less often, you can cut down on those purchases. I go on a big shopping trip once a month so I can take advantage of the better pricing in the larger city. Then each week, I make a quick trip to the local store to pick up staples like milk, eggs, and produce. <h2>Extra beverages can jack up your grocery bill if you aren't careful</h2>Things like juice, pop, and sports drinks can really add up. In order to stick to the budget, I have my family drink water throughout the day, and that's often what I serve with meals. Occasionally we'll have iced tea or lemonade, but it's not the norm. Most kids adjust pretty well, especially when you explain why you're making a change. You might have some complaints at first, but mine eventually learned to <a href="https://www.businessinsider.com/how-to-drink-more-water-2019-3">drink (and even enjoy) water</a>. <h2>Cut out the middle man whenever you can</h2>If you can, purchasing directly from a farmer can save a lot of money.I used to raise my own livestock for meat, but when I stopped, I connected with another farmer. Since I have the freezer space and know it'll get used, I often buy a <a href="https://www.businessinsider.com/best-ground-beef-recipes-2018-12">whole cow</a> at a time, along with a whole hog and occasionally a sheep or two.It's definitely a bigger initial expense, but I get steak and roasts for the same price per pound as <a href="https://www.businessinsider.com/which-chef-has-the-best-burger-recipe-review">hamburgers</a>, so it actually saves me money in the long run. Meat isn't the only thing you can purchase from a farmer. Do a little research and see who grows what around you. For instance, you can typically find good prices on produce at local farms.Just make sure you have a plan to preserve what you buy so it doesn't go to waste. Learn how to dehydrate, can, or freeze the extra so you can benefit from your savings all year long.This story was originally published in September 2021 and most recently updated on September 5, 2024.

10 things that help me stick to my grocery budget as a mom of 11

A bill seeking to provide for four nominees by a bank account holder was introduced in the <keyword id="19895394" type="General" weightage="20" keywordseo="Lok-Sabha" source="keywords" meta.keywordsubtype="org" meta.entityname="Lok Sabha" meta.hostid="153" meta.entityid="Lok Sabha">Lok Sabha</keyword> on Friday to ensure better protection of depositors and enhance customer convenience. Introduced by Minister of State for Finance Pankaj Chaudhary in the Lower House, the Banking Laws (Amendment) Bill, 2024, has a provision for simultaneous and successive nominations to bank accounts, lockers, etc. As per the provision of the bill, a bank account holder can nominate up to four persons. The bill also seeks to transfer of unclaimed dividends, shares, and interest or redemption of bonds to the Investor Education and Protection Fund (IEPF), allowing individuals to claim transfers or refunds from the fund, and thus safeguarding investors' interests. As the banking sector has evolved over the years, and with a view to improving bank governance and investor protection, it has become necessary to make certain amendments to five Acts, according to Statement of Objects and Reasons of the Bill. The Bill, which was approved by the <keyword id="19916620" type="General" weightage="20" keywordseo="Union-Cabinet" source="keywords" meta.keywordsubtype="org" meta.entityname="Union Cabinet" meta.hostid="153" meta.entityid="Union Cabinet">Union Cabinet</keyword> last week, proposes to amend the <keyword id="20824389" type="General" weightage="20" keywordseo="Reserve-Bank-of-India-Act" source="keywords">Reserve Bank of India Act</keyword>, 1934, the Banking Regulation Act, 1949, the State Bank of India Act, 1955, the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970, and the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980. The proposed bill seeks to improve governance standards, provide consistency in reporting by banks to the Reserve Bank of India, ensure better protection for depositors and investors, improve audit quality in public sector banks, bring customer convenience in respect of nominations, and to provide for increase in the tenure of the directors in co-operative banks. Another proposed change relates to redefining 'substantial interest' for directorships, which could increase to Rs 2 crore instead of the current limit of Rs 5 lakh, which was fixed almost six decades ago. Congress member Manish Tewari opposed the introduction of the bill, saying the power to legislate with regard to cooperatives vests with state governments. RSP member N K Premachandran opposed amending five legislations through one bill, while TMC member Saugata Roy termed the bill "superfluous", saying the the amendments proposed in the bill could have been done through administrative decisions. Responding to opposition's remarks, <keyword id="19956758" type="General" weightage="20" keywordseo="Finance-Minister" source="keywords">Finance Minister</keyword> Nirmala Sitharaman said the various amendments done in Banking Regulations Act with respect to <keyword id="20814377" type="General" weightage="20" keywordseo="cooperative-banks" source="keywords">cooperative banks</keyword> are not just one or two but several. "Simple understanding is we are not touching any aspect of the cooperatives other than that which claims under the name of banking...the sections which have been brought in for amendments, as also the court verdicts, have repeatedly reinforced the point that Banking Regulation Act and the Cooperative Banks do have this relationship and therefore it has to be taken through this route," she said. Otherwise, there is no attempt to undermine the cooperatives, particularly cooperatives dealing with everything other than banks, she said defending the Bill. The bill proposes to increase the tenure of directors (excluding the chairman and whole-time director) in cooperative banks from 8 years to 10 years, so as to align with the Constitution (Ninety-Seventh Amendment) Act, 2011. Once passed, the bill would allow a director of a Central Cooperative Bank to serve on the board of a State Cooperative Bank. The bill also seeks to give greater freedom to banks in deciding the remuneration to be paid to statutory auditors. It also seeks to redefine the reporting dates for banks for regulatory compliance to the 15th and last day of every month, instead of the second and fourth Fridays. "What's the rationale behind it? The current reporting Friday system has several limitations that impact the accuracy and effectiveness of the reporting of data. "These limitations are incomplete coverage of monthly data, seasonal fluctuations in banking activity which lead to inconsistent reporting, and the need for adjustment every 11th year which introduces complications and inconsistencies. That is why, in order to address the issue, it is proposed to amend the legislation," she said. The announcement about amendments to the Banking Regulation Act was made by the Finance Minister in the 2023-24 Budget speech. "To improve bank governance and enhance <keyword id="22728161" type="General" weightage="20" keywordseo="investors-protection" source="keywords">investors' protection</keyword>, certain amendments to the Banking Regulation Act, the Banking Companies Act and the Reserve Bank of India Act are proposed," she had said.

Bill to provide up to four nominees to a bank account introduced in Lok Sabha

<ul class="summary-list"><li>I've been living abroad since the summer of 2021.</li><li>Dating in places like Spain, Argentina, France, and Scotland differs from dating in the US.</li></ul>Before the pandemic, I was living in the United States, drifting through an endless stream of first dates. Either I'd ghost them, or they'd ghost me, and even if neither of us ended up ghosting, I still never felt excited enough to go on a second date.Even though there were plenty of queer men to date in New York, they'd often share the same pathologies (internalized homophobia, internalized misogyny, overuse of the word "internalized"), resulting in dull conversations. You can include me in that group, by the way; I'm not off the hook here.In any case, lockdowns eventually ended, vaccines were finally released, and I became a digital nomad in the summer of 2021 — and then, I began to <a target="_blank" href="https://www.businessinsider.com/learned-portuguese-dating-brazil-less-serious-2023-12">date men abroad</a>. It was the best decision of my life. Here's what I learned after dating guys in Scotland, France, Spain, and Argentina.<h2>Even one-night stands can be romantic</h2>One of my <a target="_blank" href="https://www.businessinsider.com/best-countries-to-visit-travel-writer-recommendations-photos-2022-7">favorite countries to visit</a> was Scotland. Scottish men waxed poetic on everything from the gray skies of Edinburgh to their favorite football teams. ("My heart can't take it," said one particular Scotsman about a nearby baby squirrel eating a hazelnut.) And I loved hearing their slang. The day wasn't just nice; it was "bonnie."The men were just as effusive when it came to dating. It was not rare for a Scottish man to call me "bonnie" five times before admitting he wanted to rip open my shirt — even if he only had me for a night. It felt like I was being swept off my feet; often, my hookups in America went from a handshake to full sex in 60 seconds without even an exchange of names.While there's nothing necessarily wrong with that, before traveling, I'd always associated one-night stands with a complete lack of intimacy. In Scotland — and elsewhere abroad— I realized that <a target="_blank" href="https://www.businessinsider.com/i-stopped-having-casual-sex-almost-a-year-ago-2022-10">casual sex</a>, as long as everyone knows that's the deal, can also include a little bit of romance.<div type="image" title="Evan Lambert at Normandy's Mont Saint-Michel" height="875" width="802" msid="107889229" hostid="261" sizebytes="71676"></div><h2>Temporary relationships still have a purpose</h2>My main squeeze in Normandy conjured memorable, heart-piercing moments each day that we were together — even though our fate was sealed. We only had two weeks before I left France. Still, the guy was more present during our relationship than any of the men I'd dated back in the US. His countless compliments spun our dalliance into <a target="_blank" href="https://www.businessinsider.com/flew-across-the-world-for-third-date-2023-10">an epic romance</a>.After I left, I noticed that other Europeans, not just Frenchmen, were more attentive during sex and dating than Americans, no matter the length of our courtship. It helped me realize the <a target="_blank" href="https://www.businessinsider.com/social-media-and-loneliness-epidemic-cause-cure-tech-companies-2024-2">importance of building connections</a>, however long the lifespan.<h2>I learned to go with the flow in Spain</h2>In the US, I planned dates with the efficiency of an office assistant. Everyone needed to know exactly when and where they were expected. One time, I made a Google Calendar appointment just to walk with a guy through Central Park. Of course, I know now that this tendency is a very American (and, to some extent, English) trait. But imagine my shock when I arrived in Spain and discovered that the Spanish approach to planning a date was, "Ya veremos," or, "We'll see."In other words, <a target="_blank" href="https://www.businessinsider.com/stopping-date-night-saved-my-marriage-2024-2">scheduling dates ahead of time</a> wasn't part of the culture; instead, everyone preferred to play things by ear. If my potential date and I were texting that day and we were both free that night, then great — it was a date! But if not, I had to accept that I might never see that person again, like, ever.<h2>I had to check my privilege after dating in Argentina</h2>While dating in Argentina, I faced a bit of a reality check. One night, after a lively, flirtatious dinner date with a soft-spoken gym rat, I pulled out cash to <a target="_blank" href="https://www.businessinsider.com/personal-finance/smart-money-choices-make-today-2023-12">pay my bill</a>. The action inspired curiosity from my date: Why cash? I had to admit that the Argentinian economy had a better exchange rate for Americans who funneled their money through Western Unions, converting it to paper pesos. I didn't make much as a writer, but my currency went a long way in Argentina. Still, the man was shocked at how much I saved in this manner. He then began reciting economic injustices that he faced daily.Of course, I'd been tangentially aware of the country's ravaged economy, but hadn't yet reckoned with this "<a target="_blank" href="https://www.businessinsider.com/influencer-backlash-travel-thailand-privileged-response-2023-9">travel privilege</a>" that Americans and Europeans wielded in developing countries. To acknowledge this privilege — and balance it out — I began addressing Americans' "travel privilege" in my writing and engaging more with local communities abroad. I invested my money in local businesses instead of glossy coworking spaces built for digital nomads.Amid the bespoke adventures and titillating connections Americans are able to <a target="_blank" href="https://www.businessinsider.com/moved-america-to-china-feel-lonely-find-dating-difficult-2024-1">embrace abroad</a>, there are also plenty of ways we could stand to grow and brilliant lessons to be learned.

I've been living abroad since 2021. After dating in places like Spain, France, Scotland, I never want to date in the US again.

India is poised to remain the fastest-growing major economy in 2024-25, Chief Economic Adviser V Anantha Nageswaran said in a press conference after the tabling of the <keyword id="20613906" type="General" weightage="20" keywordseo="economic-survey" source="keywords">Economic Survey</keyword> in the Parliament on Monday. The Economic Survey tabled today projected India to grow at 6.5-7.0 per cent in 2024-25. Global institutions, including <keyword id="19896779" type="General" weightage="20" keywordseo="IMF" source="keywords" meta.keywordsubtype="org" meta.entityname="IMF" meta.hostid="261" meta.entityid="IMF">IMF</keyword>, OECD, World Bank, S&amp;P, ADB, and Fitch, have projected India to grow in a range of 6.6-7.2 per cent. The International Monetary Fund (IMF), in its latest outlook, has raised India's growth projections for 2024 from 6.8 per cent earlier to 7 per cent, with the country maintaining the fastest-growing status in emerging markets and developing economies. According to official data of the Indian government, the country's GDP grew at an impressive 8.2 per cent during the financial year 2023-24. India's economy grew 7.2 per cent in 2022-23 and 8.7 per cent in 2021-22 respectively. Further, the CEA in his press conference projected that India's <keyword id="20089672" type="General" weightage="20" keywordseo="per-capita-income" source="keywords">per capita income</keyword> is expected to increase from around Rs 2 lakh in 2022-23 to Rs 14.9 lakh in 2046-47. Further, CEA said <keyword id="20751315" type="General" weightage="20" keywordseo="household-savings" source="keywords">household savings</keyword> of Indians in physical assets have been increasing over the past three financial years through 2023-24. The CEA, addressing the press conference, said household savings in physical assets rose from 8 per cent in 2020-21 to 12.9 per cent in 2022-23. "Households are not in distress, they are investing in <keyword id="20792385" type="General" weightage="20" keywordseo="financial-assets" source="keywords">financial assets</keyword> that have done very well. Financial assets of households are not marked to market so households are doing quite well in the aggregate," he said. India needs both banks and capital markets to provide the required finances sourced from a sustained high level of household savings, according to the Survey. <keyword id="20385790" type="General" weightage="20" keywordseo="Union-Finance-Minister" source="keywords">Union Finance Minister</keyword> Nirmala Sitharaman on Monday tabled the economic survey in Parliament, a day ahead of the full Budget presentation for 2024-25. The Economic Survey document, prepared by the Economic Division of the Department of Economic Affairs in the Ministry of Finance and formulated under the supervision of the chief economic adviser, gives insights into the state of the economy and various indicators of 2023-24 (April-March) and some outlook for the current year. The Economy Survey document also gave some idea about the tone and texture of the actual Budget for 2024-25, to be presented on Tuesday. (ANI)

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