Steps to follow while repaying a debt

When an international debt collection service agency is contacting you, it can be quite unnerving. But you have to stop panicking, and start thinking with a clear mind. If you do owe a certain debt, you need to start figuring out how you will pay the debt. Also, you need to figure out how you can negotiate with the debt collector to give you more time to pay the amount or negotiate the amount itself.

Sometimes, you can negotiate the amount, and the time with the creditor itself, if a third-party collector is not involved yet. Anyhow, you do need to pay the debt otherwise; you can face serious consequences, like a lawsuit or decrease in your credit score or both.

Here are some steps to keep in mind, while trying to come up with payment options for the debt.

First step: Debt verification

Don’t owe the debt or start making payments before you verify that the specific debt, for which the collector has contacted you, actually belongs to you. Also, verify the debt collection agency and its legitimacy, whether the debt is within the statute of limitations or not, and so on.

You can ask the process of verification, which is usually simple, like sending a written request to the creditor. Once they verify your debt, you can figure out a payment plan.

Second step: Make a budget which can help you determine what you can pay

Now that you know that the debt is yours, you have to come up with a plan to repay the debt. For that asses all your finances, and determine how much you can pay at the given time. If it is the full amount, it is great. Otherwise, you should ask for more time or some installment plans.

Also, you have to start cutting your expenses, so that you can pay the debt by making a budget. It can help you pay for the debt, and can also help you save money for emergencies.

Third step: Get to know your rights

As a debtor, you should know your rights. A collector won’t abuse you or threaten you, but you still should be aware. Here are some important laws that you should keep in mind:

A collector has to give a written letter with details like debt amount, creditor’s name, a debtor’s right to dispute the debt, and so on.

1. They don’t have the right to harass or abuse you.
2. They can call you at work, but if you ask them not to, they have to oblige.
3. A collector cannot disclose about your debt to anyone except your attorney or spouse.

Fourth step: Negotiation

You can draft an application explaining your current situation and they have to consider it. Make sure your proposal is balanced so that they cannot refuse it.

1. Start with a lower amount than what you can actually pay, and lead from that.
2. After you both agree, get it in writing.
3. Also, you can ask the collector to provide you with a payment plan if negotiation doesn’t work. In  this, you pay some amount every month, till the debt is paid fully.

Last step: Payment

You can pay a certified check in the name of the creditor or cash. Make sure you document everything.

Knowing all this can help you pay your debt on time.

Running hot? 5 home remedies to try when suffering from fever

Come winters and most people suffer from low-grade or high-grade fever. Fever is quite discomforting and with muscle pains, it makes it hard for people to work and do even normal chores. Especially, children suffer from a lot of fever during winter times.

Fever is not an illness though, it is a defense mechanism of your body. When your body suffers from an infection- viral, bacterial, or fungal, your body tries to fight it off and fever is one of the symptom of the same. Fevers are of two types- one is low grade fever which home tips can cure, other is high-grade fever like typhoid, malaria, tuberculosis, and so on, which needs antibiotics and professional diagnosis.

In any case, some home or natural remedies can help you feel more comfortable and even bring down the fever a little.

Warm bath to bring down the fever

When you are running a fever, you should never take a cold bath as it rushes blood to your internal organs. The internal organs are trying to keep you cool, so this is a bad idea. Instead, fill your bath with lukewarm water and take a bath. It will help bring the fever down.

If you don’t feel like taking a bath, sponge bath yourself with a damp warm washcloth. Also, if the fever is too high, you can try putting a cold washcloth to your forehead, it can bring down the fever a bit.

Be comfortable

You need to wear clothes that make you comfortable and also keep you cool. So, wear loose clothes or clothes that don’t heat you. Also, it is best to have a low running fan in the room or have a window open, otherwise, the fever can increase. Moreover, don’t cover yourself with too many blankets.

Eat right

Don't eat foods that are not digestible easily like whole grain wheat. Instead, eat porridge, or khichdi or quinoa or egg, something that is high in protein and is digestible.
Also, drink lots of water, coconut water, soups, and so on. Don’t drink energy drinks or caffeine.
Drink orange juice as it is rich in Vitamin C, which helps strengthen your immunity.

Ginger tea

Grate ginger in water and let it boil, add lemon juice and a pinch of honey, and keep stirring it till all the contents mix. Strain it, and then drink the ginger tea. It is great for relieving sore throat, which can be the reason for your fever.

Basil tea

It is rich in antioxidants and can help you bring down your fever. Boil water with 15-20 basil leaves, add ginger or honey in it if you want. Drink this tea at least twice or thrice in a day to bring down the fever.

Please note, that in case a child is suffering from high fever- more than 100 degree, it is best to take the kid to the doctor. Take the complete course of antibiotic, while eating right and using home remedies if you want.

5 reason why you feel tired and low on energy

Feeling low on energy is the worst of all, but you are not alone. There are tons of people out there who feel tired and low on energy all the time.

It is a mystery why some people feel that they have so little energy, especially after having a good night’s sleep or eating the right food. There are other factors like stress that make you tired, and even though you are pumped to accomplish a task, it feels impossible to do so.

It is normal to have bad days. Most of the time, our lifestyle choices is the culprit, and you can boost your energy levels naturally by making some changes.

But if you feel constant fatigue, it is best to talk to a doctor so that they can rule out some serious health conditions. Still, negative lifestyle choices can be the reason for low energy.

Let's look at some reasons why you are always tired?

Not sleeping throughout the night

If you don’t take a full eight hours of sleep, you will feel tired and low on energy the next day. Other times, you do take a full night’s sleep, but yet you don’t feel energetic. The reason for this can be that you didn’t sleep well. You kept tossing and turning around the whole night, which will lower your energy levels.

Also, you may feel tensed while sleeping due to all the work that you have to do, disrupting your sleep.
If you nap during the daytime, it can also disrupt your sleeping cycle which leads to low energy.

Consuming too many energy drinks

Energy drinks have excessive amounts of caffeine and sugar, more than a single cup of coffee. It can give you energy for a little while, but during the rest of the day, your energy levels keep decreasing.

It is best to stop consuming energy drinks altogether as they are bad for your health. Switch it with coconut water or drink a cup of black coffee or green tea or so on. But if you can’t give up energy drinks instantly, don’t drink them late in the afternoon.

Stress

Stress is one of the biggest reasons, in my opinion, that can lead to a lot of problems. It can disrupt your sleep and mood. When you are stressed, it can cause mood swings and make you tired.

There are ways through which you can manage your stress, like yoga and meditation. Also, writing about your day will help you figure out what stresses you, and you can take steps to fix it.

Sedentary lifestyles

Many people have a job that requires them to sit for long. Others watch TV or play games, which again means that they have to sit for long. It means that your body is not getting the physical exercise that it is supposed to, and our bodies need to move.

Thus, no matter how tired you are after coming home, do a physical activity that makes you feel good and boost your energy.

Bad diet

If your diet has less protein and more carbs, especially carbs from junk food, you will feel tired and low on energy. Also, a diet like this is bad for your health.

Take care of your mental health and body to feel energetic.

Coconut oil in your coffee? 5 reason why it is a good idea

A good cup of coffee in the morning is like heaven for coffee-lovers. It makes them energetic and gives them a rush that nothing else can give them in the morning. A coffee lover is always looking out for different ways to make their coffee, although they are very strict about how you make it. If you like experimenting with your coffee, you must have tried flavored coffee, or various coffee pods brands, and methods of brewing it. And you must have a favorite, but have you ever tried of including coconut oil in your coffee? Sounds weird right? But don’t knock off the idea until you have tasted it.

There are tons of reasons why you should add coconut oil in your favorite beverage. It is good for health, and believe it or not it does taste better.

Let’s look at five reasons why you should use coconut oil in your coffee

It helps fight infection

Coconut oil is a good source of lauric acid, which is a fatty acid. It has an antimicrobial effect on tons of organisms. Studies show that coconut oil can help you fight tons of infections, like fungal infection and gram-positive bacteria to name a few.

It tastes good

Using a bit of coconut oil in your coffee makes it taste better. We know that it has various health benefits, but it is also good in taste. If you have heard of bulletproof coffee, you would know some people who make it use coconut oil in for a taste and also for providing energy for a long time.

It increases your metabolism

Everyone knows that coffee is one of the things that can increase your metabolism by 3-4%, which means you lose a few extra calories. Similarly, studies show that coconut oil also increases your metabolism and is said to help you lose 120 calories extra. That is mind-blowing, it is not much, but with a daily intake of these two items, you can push your metabolism to work hard to lose the extra pounds.

Helps you reduce overeating

Coconut oil has properties that control your appetite. Consuming a little coconut oil daily prevents your body from going into the mode of hunger which leads to overeating or snacking, Caffeine found in coffee is said to have the same properties, mixing these two can help you eat less or stop unnecessary snacking.

Improves digestion

Coconut oil and caffeine found in a coconut oil coffee are great for your gut. Coconut oil is a natural laxative, and caffeine is a natural stimulant. They both work together to keep your digestive system well.

How to make coconut oil coffee?

It is simple to make it:

Brew the coffee as you like, then add 1-2 tablespoon of coconut oil or as per your taste. Now blend it for 20-30 seconds or till the color becomes lighter. Your coffee is ready; you can also add other things like extracts or herbs or whipped cream and drink it hot or cold.

Try this and share your experience in the comments.

Planning to launch your website? Read this first

The digital domain has expanded exponentially in the last decade and around 3.4 billion people are on social media platforms. So, why shouldn’t your website be in the digital domain and have a social media presence? To leverage the benefits of the internet, you must create your business’s website. This website will become your face to the customer. Hence, it is even more important to build a proper website. Some of the points that help you in getting started are:

Website functionality: Once you have created your website, double-check the details and features in it. Ensure that all these elements like signups, comments, social media links, product details, etc. are functioning correctly. You can also check the internal and external links, to check if the redirects are working correctly. Checking for SEO compatibility is important so that your website can be accessed easily from all the smart devices. It is all about creating a good customer experience.

Website sitemap: The sitemap tells the search engine about the new pages that have been added to it. This is important to increase your website’s SEO ranking. The better the ranking, the higher your website will be displayed in the search results. Some plugins like Google XML Sitemaps automatically create your website’s sitemap and submit it to the search engines.

Website analytics: The performance of your website can be assessed by analytics. Google Analytics is one such portal where you can see trends of important KPIs of your website. this will give you an idea about what works best for your website. You can use this data to create marketing and business strategies to create maximum impact on your potential customers. Customize the dashboard on google analytics and learn more about customers and market trends to grow your business.

Social media presence: In today’s era, social media is a great platform to reach out to a wider audience. Interacting with potential customers is direct and dynamic. Through this medium, you can create strong customer relations. Moreover, you can promote your products, run new marketing campaigns, and take feedback also. Thus your website should be compatible will all the social media platforms where you are planning to create an account. If you are not taking the benefits of social media, then your business is at a great loss.

Website backups: The digital domain has some risks that can lead to loss of data from your website. These risks include website server crash, hacking, malware infection, etc. Your website can also lose the data accidentally due to human error as well. Thus, backups are important to protect the data on your website.  So, if god forbid you lose your website, you can use backups to get it back in working condition.

Additionally, archiving your website also helps. Many third-party web archiving vendors like Stillio offer website archiving services where your website’s snapshots are saved periodically. 

These are some of the points that you must take care while creating a website for your business. Also, think about website archiving as losing all the hard work you have put in to create your website shouldn’t go waste.

6 ways to get out of debt faster

People are always wondering; what is the best way to get out of debt. It’s not an easy task but is possible if the debtor takes control of his or her finances. In some cases, it can even take years to pay off the debt if the amount is enormous. There are some simple steps that you can take to live a debt-free life. We have put down some ideas in this article that will help you with your debt repayment process:

Acknowledge the problem:

Anyone can face debt. You must be willing to accept the fact that the debt is real and you would be needing help to get you out of it. Running away from repaying your dues isn’t healthy for your finances. You will end up paying more than the owed amount itself.

Create a budget:

Once you have planned to work on your dues then review your financial situation. Based on your financial bandwidth create a budget for your savings and daily expenses. You can cut unwanted expenses like ordering food, impulsive spending, etc. till you have paid your dues. Set some money aside that will go towards your debt repayment.

Debt priorities: 

Some of the loans that you have taken would have high-interests applicable to them. Figure out those debts that are likely to add more fees and interests to your debt. Some of these debts could be credit cards or loans related. Ensure that you clear these debts first to avoid the loss of more money.

Hire a debt collector: 

The debt collectors are people who are there to help individuals in paying their dues. Their sole job is debt recovery or collection. Hence, they know everything related to debt repayments. They work with both the creditor and the debtor on a debt repayment plan so that the dues can be cleared easily. Cedar business finances is one of the best debt collection agencies in the industry. Their team of professionals ensures that all the resolution takes place without the matter hitting the court. To know what cedars business services does click here.

Ask for lower interest rates:

You can always negotiate with your creditor and get the interest rate reduced on your debt. Another way to reduce your interest rate is to get your dues consolidated into one single loan. You can save a lot of money and fast track your due repayment process.

Extra income:

You can try picking up a casual job apart from your full-time work. Consulting, hospitality, freelancing, etc. are some venues that you can try earning some extra bucks. Having a secondary income will give you enough bandwidth for paying your dues faster. Once you have paid your debt, then you can either leave the job or continue it to increase your savings.

Dues repayment can be a frustrating process and can directly impact your credit score. Since there is no escape from loan repayments, you can take the above-mentioned steps to control your finances and work towards debt-free living.

How can a debt collection agency help small businesses

Finances are important to keep business running. Hence it is important for your business to get paid on time for the products and services that it is offering. Small businesses don’t have enough time and resources to track delinquent accounts. If the debt gets older, it becomes difficult to collect it. Hence hiring a debt collection agency is critical for timely debt recovery. Let us look at some of the advantages of hiring a debt collection agency:

High success rate: The debt collection agencies have good experience in debt recovery. Once you get a debt collection agency on-board, their primary goal becomes debt repayment. This way you can focus on running your business. Their team of professional collectors has better odds of collecting debt that you do. These collectors work with the debtors to come up with a payment plan that doesn’t impact their credit score. Hence, your due bill payments start coming in faster.

Customer experience: Brand value is important for a business. Any wrongdoing can impact your brand’s reputation and hit the sales. The debt collection agencies instead of threatening the debtors work with them to create a repayment plan. It is a win-win situation for both the debtor and the creditor as both of them benefit from this negotiation. The customer relationship isn’t spoil and the brand’s reputation stays intact.

Customization: Every business has a different requirement. The debt collection agencies customize the recovery programs based on your business’s needs. Some agencies work with the debtors for free on a pro-bono basis, while others charge a fixed commission fee. You have the choice of picking an agency that fits your selection criteria.

Legal protection: Your business might not be aware of all the laws related to domestic or international trade. To get acquainted with these rules and regulations you will have to train your employees. This calls for a business commitment and investment of time and money. A debt collection agency is already aware of these laws based on their accreditation and experience. Hiring them will save you a lot of time and money. In case your business comes across a tough customer, the agency’s legal team will also help you in filing lawsuits.

Documentation: The debt collection agency documents all the communication happening with the debtor. This acts as evidence to counter any false lawsuit that the debtor might do on your business. Moreover, this document also shows the effort you have taken for debt recovery from the debtor. This documentation will help prove your innocence in the court.

The debt collectors are of great help to small businesses, if picked wisely. Cedar business finances is one such collection agency that is leading this industry. It brings in an experience of 2 decades in recovering debt from delinquent accounts. It has a large clientele as it offers debt collection services globally as well. It is one of the best agencies for debt recovery to know more about this company, click here.

4 simple ways to ensure your cash flow remains intact

Every business owner wishes to earn profit and invest it back in their business. But the real world and the economy we live in today, don’t allow a business owner to do this. A business needs constant cash flow to run their business smoothly. But the economy is such that their clients sometimes don't pay the outstanding bills on time or they have multiple bad debts accounts.

To avoid such situations, you need a better system for credit control so that there is a continuous cash flow in their business. Hiring a debt collector is your last resort. But to ensure you don’t reach that point, here are simple ways of doing credit control.

Make sure your payment terms are crystal clear

No matter the size of your business, you should have a clear set of terms and conditions when it comes to payments and invoices. Whether you are giving a loan to people or businesses or rendering services on credit, make sure you tell the person your payment terms and conditions.

It is a good habit to include these terms on your credit forms or invoices or contracts that you make with the party. It will give you some leverage in case the debtor doesn’t pay or if there is a clash between you two. Also, having a clear set of terms and conditions in your contract tells remind the debtor about paying on a certain date and the consequences they will face if that doesn’t happen.

Send timely invoices

As a general rule of thumb, you should send your invoices right after you deliver the services or products. Don’t wait till the end of the month or the start of another to send invoices for all deliveries made in a month. It delays the payment, and it can cause a severe cash crunch in your business. If you don’t want to deal with late-paying customers and want a smooth cash flow for your business, send invoices on time.

Reward a loyal customer or client

If a client is always punctual in their payments, make sure you return the favor. It is a great strategy to build a more deep and trusting relationship with your client. A customer or client who always pays on time should be rewarded. For instance, you can give them a discount or make the delivery free. It will enhance your relationship with them more.

Don’t hesitate to ask for payment

If a client or customer doesn’t pay the outstanding bills due to any reason, and the debt goes beyond sixty or ninety days, make sure you ask them to pay. Don’t be hesitant to ask for the payment, it is your right. If they continuously refuse you or elude your calls or letters, hire a debt collector or think about sending a court summons.

No matter how many precautions you take, it is inevitable to have some customers who will refuse to pay or go off the grid. In such a scenario, you can take help from a debt collection agency like Cedar financial. Read more reviews to know the effectiveness of a collection agency.

What steps debt collection agencies take for reputation management

Debt collection is a herculean task. A lot of time and money has to be invested in debt collection. Small businesses don’t have the resources to do so. Even the large conglomerates face issues due to the high scale of transactions happening. Hiring a debt collection agency works best in the interest of brands for debt collection. But picking the right agency isn’t straightforward. Some of these agencies push the boundaries of the law to extract money from the debtor. This method of debt extraction has a direct impact on the brand’s reputation. Once lost, building back trust with your clientele will take a lot of effort and impact your resources. 

Debt collection agencies like cedars business services are trying their best to change the bad reputation tag of debt collection agencies. Some of the steps that good debt collection agencies take to ensure transparency are:

Clear identification: The debt collector should provide all the information related to a delinquent account that he or she is working to recover debt from. This information should include:

  a.Debt agency’s name, address, phone number, and license number if applicable.
  b.Creditor’s name, amount of debt owed, and transaction details.
  c.Acknowledgment of consumer rights based on the Fair Debt Collection Practices Act.

All this information should be provided in verbal as well as written communication. This transparency is important to avoid any confusion related to the dues.

Communication: All the communication channels must abide by the Fair Debt Collection Practices Act. Some precautions to take would be:
The debtor should be contacted between 8 am and 9 pm local time only.
Once a debtor has sent a "cease communication" letter to the agency, communication should be halted.
The use of offensive, obscene, or threatening language should be avoided.

Lawsuits: Non-payment of debt isn’t a criminal matter until the debt is related to taxation or child support. Thus, until legal action is being taken, the collector cannot discuss a lawsuit with the debtor. Failure to pay dues doesn’t imply that the debtor has to go to jail. Once the creditor has won the lawsuit against the debtor, then they can touch his or her bank accounts or salary to collect the dues.

Credit reporting: The FDCPA gives certain rights to the debtors in case their account goes delinquent. Any data related to credit reports should be accurately reported by the debt collection agency. The agency should also correct and report the updated information in case of changes or errors. The collector cannot use the debtor’s credit report as a tool to extract the dues.

During the debt collection process the debtors should be treated humanely and compassionately. Any wrongdoing by the collection agency will impact the brand’s reputation. Cedar business services is one of the best debt collection agencies in the industry. This company has a good amount of experience in debt collection. Moreover, its large clientele itself talks about how good its debt recovery practices are. To know more about them you can visit their website.

Don't fall for a wrong global collection agency, read this first

Most businesses and banks lend money, foreign clients, as it helps grow their business. They invest their money in good faith hoping that the customer will pay back their loan on time. But you will inevitably come across a person or a company who is unable to pay the debt, or is being difficult when it comes to having a conversation about the same. Also, it can become quite difficult to keep track of people or companies who are offshore.

That is why you need to hire a global debt collection agency like Cedar Financial. As a creditor, a collector can help keep track of your priority accounts, and make sure there is no delay in payments. If there is, they can track the accounts and collect a debt from them.

But you need to know how to find the right international firm, and in this blog, we will cover that only.

Let’s begin...

1.    Research for the best collection agency

The market is full of debt collection agencies. Some collection agencies are working locally and offer only national debt collection. While others offer both national and international debt collection. But you also have to make sure that the collection firms you finalize or shortlist collect the debt that you have. A collector needs to understand your industry and must have some experience in collecting global debt in it for you to partner-up with him.

Read customer reviews of Cedar financial to understand why it is the best global collection agency for you.

2.    Pricing model

A debt collection agency works on commission. This commission depends on the total debt and their pricing model. It is usually between 25%-45%. It is in your best interest and theirs to figure out the commission and agree upon it. Make sure that you sign a contract so that there is no further problem.

3.    Legitimacy

You want to work with a collection agency that follows rules and abide by the laws set to protect the debtors. A collector has to follow these rules. Otherwise, your relationship with your clients or customers can suffer.

Also, make sure that you ask the company to show you certificates that say that they are licensed to work in a particular state. They must also have international certificates, showing their legality for working in foreign soil. Also, understand their policy regarding other things like skip tracing and so on.

Why to hire a global debt collector?


1.    Knowledge about their legal system

A global debt collector knows how the legal system of a particular country works because they have an office there, and it's their job to know all this. As a creditor, you don’t know the debtor’s country legal system and legal proceedings, which can become a problem.

2.    They have tools and tactics to recover debt quickly

A debt collection agency has a lot of tricks and methods to collect a debt on time. They have various tools at their disposal like skip tracing methods to track the debtor, and start the payment process. As a creditor, you don’t have access to all this.

It is best to partner-up with a collection agency at the earliest. They can save you a lot of trouble by pointing out delinquents accounts early on.

5 ways to make your brother feel special

Your bond with your brother is something that you will always cherish. He is the one person you looked up to your whole teenage life, and you probably still do. A brother is someone who understands you and is willing to stand by you to fight the whole world.

It is a precious relationship, and we need to cherish it forever. But as we grow, we become distant due to jobs in a different city, having a family of our own and so on.

Still, taking out a few moments in the day to talk to your brother, and let him know that he is on your mind and vice versa can keep the relationship strong. Having said that, sometimes siblings relationship is complex, especially between two brothers. But still, the love is there and you need to work hard to maintain the bond.

If you suck at expressing your love for your brother, here are simple ways through which you can do this.

Let’s see seven ways through which you can express your love and make your brother feel special.

Send wishes on his special day

Your brother would be delighted to receive your wishes. No matter the occasion, don't forget to call him and wish him. If he stays in the same city, take out some time and go meet him. 

Birthdays and anniversaries are an important occasion, and you should find a birthday or anniversary messages for your brother, and send them. It can be a simple happy anniversary or you can search for some quotes and make it more special. Sending a gift along is also a great idea or surprise him by going to his house, especially on holidays.

Have games night

You and your brother must have a lot of fun playing games in your childhood. Keep this chillness in you alive by organizing a games night for your brother and his family, you can go to his place, or have it at your place. The competition, memories, and snacks will make you both feel pretty special.

Go for a movie

Just you two because when you become an adult and have responsibilities, it becomes hard to have alone time. So, pick a movie that you both will love and watch it alone with your brother.

Or if one of you is a bachelor, maybe you can watch it at your place and have snacks and have fun.

Communicate and listen

One of the most important things in any relationship is communication. And growing up is so hectic that we might not communicate with our brother more or listen to what he is saying. Thus, improve your communication. Engage in meaningful conversation, share with him, call him every day even if it is for five minutes, and so on.

Make his favorite dish for him

Another thing that will make your brother feel special is his favorite dish cooked by you for him. Whether you invite him and his partner for dinner or he is upset, his favorite dish will make him genuinely smile.

Even a simple phone call or a text message saying. ‘I love and miss you bro’ is enough. So, take out time to nourish your relationship with your brother, no matter how old you get or who you both end up.

8 engagement gift ideas for your sister-in-law

Your brother is engaged, and it is one of the happiest feelings ever isn't it? Not only your brother found a soul-mate and is embarking on his happily ever after, but you also get a new sister.
Having a sister-in-law is like having a sister, and if you don’t have a sister, it is even more special for you.

I am telling you, the bond you will be sharing with her will make you feel like you two had known each other for long. When your brother and her partner gets engaged, the sister-in-law will feel a little out-of-sorts near your family. It is your job to make her feel comfortable and part of the family.

Treat her as a family member, and start by welcoming her into the family. You can also get her a welcome cum engagement present that will surely make her feel loved and special.
You will get a lot of chances to give your brother something, but take this opportunity to give some exclusive to your new sister.

Here are some ideas

1. A card handmade by you

There are two ways to do a DIY card. One, you can get a congratulations card from a gift shop and write an engagement wish for your sister and brother. Or, you can make the whole card on your own. Depending on time and your creative side, you can choose one design from the tons of tutorials available online.

2. A handbag

I am sure your sister-in-law, now sister loves handbag. Find out what she prefers- tote, sling, or a big handbag and get her one. She will certainly love the thought, and the pain you took to get her a perfect bag.

3. A picture quilt

A quilt is a great gift idea, it will keep her warm and it is something that both the partners can use. You can get it personalized by adding pictures of her and your brother or her family to it so that she always feel near to them.

4. A robe

You can kick start her bridal shower a little early by gifting her a pretty lace robe. She will certainly need one for her future, so why not surprise her with a nice robe on the occasion of her engagement.

5. Take her out for dinner

Get to know your new sister more and create a bond with her, and the best way to do that is by enjoying a meal together. So, take your sister out for a dinner or lunch date at her favorite place and have fun.

6. A gold pendant

A gold pendant or silver one is always a great gift idea. They are beautiful, elegant and every girl loves jewelry.

7. Pearl earrings

You can gift her a set of pearl earrings or a whole set of pearl earrings and necklace. It is something that she can wear in the office regularly.

8. Painting

If she is into arts and than get her a painting from an artist that she loves the most. It is a great gift that she can use to decorate her new home with your brother.

She is becoming a part of a new family and is leaving a lot behind, it is up to you to make her feel loved and belonged. A thoughtful gift is a great ice-breaker!