Author: John Norwood

Table of Contents: The NPA Dilemma: A Growing Concern for Lenders Non-Performing Assets (NPAs) remain one of the biggest threats to the stability and profitability of India’s lending ecosystem. Even with stringent credit underwriting and compliance norms, many banks and NBFCs still discover borrower stress too late. By the time a borrower defaults, recovery is a long, costly, and often unsuccessful process. What’s the real issue?Traditional monitoring systems are reactive, not predictive. They rely on manual reviews, outdated data, and periodic assessments- leaving lenders blind to early warning signs. As India’s credit landscape expands with new-age borrowers and fintech-led lending…

There was a time when the garden patio was seen as a summer indulgence: a place for barbecues, weekend lounging, and evening drinks under fading light. Once the autumn chill set in, furniture was covered, cushions were stored, and the space fell silent until spring’s return. But as modern homeowners increasingly value their outdoor environments as extensions of the home itself, the patio has evolved into something far more enduring: an all-season retreat that blends comfort, beauty, and practicality throughout the year. Designing a patio that thrives in every season means thinking beyond surface aesthetics. It’s about crafting an adaptable,…

What small bedrooms lack in square footage, they can more than make up for in charm and personality. Your small bedroom should be your own personal sanctuary. A space where you can retreat from the outside world, get ready each morning, and hang up your clothes without feeling cramped. So it’s important to design it according to your needs – even when space feels limited. Struggling with your compact bedroom layout? You’re definitely not alone. The good news is that even the tiniest bedrooms can feel surprisingly spacious and stylish with the right approach. Light, airy colours create the illusion…

Family planning gets easier when you know what’s coming. Whether you’re scheduling weekend outings, school breaks, or quiet family days, combining reliable forecasts with holiday calendars creates a sense of control. Checking upcoming holidays early helps you choose travel dates wisely and make the most of every season. Why Weather and Holiday Calendars Work Together Using both a family calendar and a weather tracker saves time and keeps surprises to a minimum. Reliable updates from the National Weather Service can help families choose the best days for outdoor adventures and prepare for changing conditions. When paired with a calendar that…

In 2025, the humble kitchen has evolved from being a room for cooking to the beating heart of modern homes. Creating a multi-functional space for socializing, dining, and working is possible with JVM Kitchen Design, with long-term benefits beyond beautiful aesthetics. Versatile Functionality and Workflow Bespoke kitchens are built with the homeowner in mind, as well as their lifestyles. It won’t have a standard layout- rather, it would have a fluid design that moves along with your needs. When engineered like that, you can have more time cooking and less time having to hunt down an ingredient or kitchen utensil.…

The best thing I’ve ever seen on a warehouse floor is… nothing. No scramble, no chorus of radios. Just a steady hum while people do their jobs, and the building seems to help rather than hinder. In Dubai, where the days heat up quickly, and delivery windows are unforgiving, that calm is priceless. A forklift glides past, and nobody stops to watch, because the flow is the story, not the machine. What “manages itself” actually feels like. It’s 9:20. The team have settled into a rhythm. No one is sprinting, and yet the piles at dispatch shrink in neat waves.…

When America honors its veterans, few figures embody both the soldierly tradition and the difficult responsibilities of leadership quite like General Colin Powell. He wasn’t perfect. He made decisions that haunt many. But his journey—from the immigrant son, to combat leader, to Secretary of State—offers lessons about duty, humility, integrity, and the real cost of freedom. Humble Origins, Strong Foundations Powell was born in 1937 in Harlem, New York, to Jamaican immigrant parents. His father, Luther Powell, worked as a shipping clerk; his mother, Maud, was a seamstress. Raised in the South Bronx, Powell attended public schools; during high school,…

In the digital marketplace, an effective online presence is essential for any business aiming for growth. SEO plays a pivotal role in ensuring that companies stand out in the crowded online space. Professional SEO services are the key to unlocking this potential, utilizing sophisticated techniques to propel businesses to the top of search engine results. Keep reading to understand the transformative power these services can have on your operations. Navigating Algorithm Updates With Professional SEO Support Search engine algorithms are in a constant state of flux, with major updates that can significantly impact a website’s rankings. Navigating these changes effectively…

For pupils with special educational needs (SEN), the right environment can make a world of difference. A calm, comfortable and adaptable classroom helps children feel secure and ready to learn, and increasingly, schools are turning to modular construction to create those spaces. Traditional buildings often struggle to meet the unique sensory and spatial needs of SEN learners. Modular classrooms, on the other hand, give schools complete flexibility to design environments that truly support every pupil. A Classroom That Adapts to Every Learner No two children learn in the same way. Some thrive in quiet spaces where they can take time…