Dismayed by tourism department, Kashmir’s snow artists shifts to Manali

Dismayed by tourism department, Kashmir’s snow artists shifts to Manali

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Glimpse of Snow Sculpture camp held in 2014 in Gulmarag.

SRINAGAR: Dismayed by the Jammu and Kashmir’s tourism department, the famous, first ever snow sculpture art camp cum exhibition titled ‘Snow Fiesta’, which was held in 2014 at Gulmarag is to be held in Manali this year.

Zahoor Din Lone, team leader of snow fiesta art camp 2014 said that the Kahsmir Valley is bestowed with the snow but the there is no scope for creativity and art.

“The tourism department has no value for event organizers, artist or sportsmen. They do promotions, events just for the sake of paper work. There is no sustenance in the tourism activities”, Lone alleges.

He said despite initiating a new thing in Kahmirs’ adventurous tourism back in 2014 in the form of Snow Sculptures, today we are dismayed, disinterested, tomorrow may be someone else.

“We have decided to seek our recognition in other parts of the country and world. This year we are going to Manali for Snow Art Camp”, he adds. He alleges, seeing popularity of the 2014 event, the department is involving few art students this year for the camp, which proves our claim that it is mare an eye wash activity for paper work.

Lone asks, if the professional artists with experience and degrees have no scope in prevailing administrative system in Kashmir Tourism, what is the fate of innocent students is?

Worth to mention, that the Snow Fiesta organized by the E-Planner in collaboration with Callisto art group gave India its first ever international Snow sculpture team this year, headed by the young budding Kashmiri artist, Lone.

Lone and his team India is leaving for international snow sculpture championship to be held in United States in the last week of January this year. This would be also the first ever participation of a team from India in any international snow championship.

According to him, the Snow art was an idea of few young budding artists of Kashmir Valley, who were deprived of any logistic and financial support to make it happen. They founded art group called ‘Callisto art & culture’ in the year 2013.

In the year 2014, he said, they ran pillar to post to perform snow art in valley. He adds despite several meetings and proposals submissions in the state’s tourism department; they were deprived of any positive response.

“It was only possible when one of my friends, owning E-Planner event management group funded our idea from own pocket, besides managing some logistic support from the state tourism.”

He said that the event was a great success as it grabs huge national and international media attention. Lone says the event also adds value to the winter tourism in Kashmir as the pictures taken with snow sculptures in 2014 by the tourists were widely shared on social site. “Even the event attracts the bollywood actress Kalika Kochline to participate in the inaugural ceremony

Ironically, the department of tourism dumped the major part of promised support and contribution, resulting in discontinuity of the event for the year 2015, 2016. He said the file of the 2014 event is lying dusted in the department and no committed recompense was paid to the organizer on pretext of one and the other thing.

“The event was not for profit making, but for the promotion of winter tourism, revival of professional snow art and a platform for the young artists. And the expenditures were afforded by the organizer either from own pocket or with the help of few art-lover businessmen.

He adds, “The artists even willingly work amid freezing temperature for 15 days without any remuneration”, Lone argued, adding this was the enthusiasm and the love for art.

Glimpse of Snow Fiesta Art camp held at Gulmarag in 2014
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Irfan Quraishi is a Srinagar based Broadcast & Multimedia journalist in Indian Kashmir. He has previously worked as senior Correspondent for Day & Night News, Kashmir Times. Quraishi is founding Editor of “KASHMIR PATRIOT” launched in 2016.
He has acquired over seven years of journalistic experience in Print, Electronic and Digital media. He had been a fellow of Thomson Reuters Foundation London and RNTC Europe.
He has done a great deal of reporting and analysis on diverse issues of public importance including Human Rights, Media, Security, Politics, Health, Tourism, Education and Current Affairs.
His contributions have been published in The Hoot, The Quint, The Citizen, and many other national media organizations.

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  112. The truth is, bad credit mortgages are harder to arrange and as a result eligible customers are often treated badly, messed around by brokers or lenders who don’t understand the circumstances, or neglected and misinformed they can’t do what they want. Thankfully the specialists we work with offer an expert service for customers of all backgrounds. How do we know? Because we train them ourselves, and license them to handle your type of enquiry only if they know what they are doing and work with the lenders on a daily basis. As whole of market brokers, the adverse credit remortgage specialists also have links to lenders who consider bespoke deals for those who don’t fit even the most flexible of lender. So, if there is an adverse credit remortgage out there for you, they’ll find it. With any remortgage, bad credit can cause real problems. We are asked regularly, ‘can I remortgage with bad credit?’ Many borrowers want to know specifically which types of credit issue are acceptable, so below we have created a list and outline what is and isn’t possible when getting approved for a remortgage with bad credit: No credit history Low credit score Late payments Missed mortgage payments Defaults CCJ’s IVA’s Debt management Schemes Repossessions Bankruptcy Payday Loans And mortgage customers with multiple credit problems There are all sorts of different reasons customers look for a bad credit remortgage, including: Debt consolidation (bad credit mortgage refinance) Looking for a better rate Capital raising to purchase something (house/car/holiday etc) Let to buy remortgage with bad credit (remortgaging onto a buy to let and moving home) Marital split (remortgaging to buy out ex partner) Raising money for investment purposes (that not all lenders consider) If you’re looking for any of the above, or are simply just seeking some information, please get in touch and we’ll have one of the experts offer you the advice you need. How to remortgage with bad credit: Bad credit remortgages are a tricky thing to explain in one article and still make it relevant for everyone, because every situation is different. Lenders have certain criteria but then for certain customers, it may be possible to overturn a case that would usually be a decline, if it is a strong proposition for a lender regardless. Sometimes, customers with huge savings and great LTV’s can obtain bad credit home mortgage refinance deals regardless of their credit history. Below is a step-by-step guide of the best way to remortgage for bad credit customers, to help them prepare for applications and to assist them in gathering the right info for us upfront, so we can be best placed to offer the right advice. Don’t go to your bank! This is a very important step. I know it sounds so biased coming from a mortgage broker website but it’s true. We are NOT anti-banks, we all need them. We are pro helping you get what’s best. Your bank is only ever in it to make a profit for themselves. There’s good money in mortgages and as the market is so competitive, these single bank advisers are taught to gain commitment from enquiries as soon as possible. This minimises the risk of you strolling into the bank next door and finding a better rate, or worse, going online. As such, they are actively encouraged and often targeted to credit score any customer willing to sit in their office – great if you don’t want to shop around and have clean credit – not great if you’re looking for poor credit remortgages or want the best deals you can get. Credit scoring with a lender that won’t lend to you is an unnecessary and damaging process, that can often leave you in a worse position because a further credit score has been added to your file. Get your credit report Before you do anything (even before you don’t go to your bank), you need to find out what you’re working with. To remortgage with bad credit history it is vital to understand which issues will effect you, and how to overcome them by finding a lender or repairing your credit file. Remember: It’s what’s on your file that’s important, so any late payments or other issues that haven’t been registered with a credit reference agency won’t usually matter. The only exceptions to this are when you are applying for a mortgage with your bank, where you may have exceeded on overdrafts or credit cards or had issues with other arrangements like direct debits bouncing etc, and your bank keeps a record of them on your account. These can be things they take into account with their mortgage credit scoring system, but aren’t usually required to report to credit reference agencies so only your bank would know about them. In these instances where your bank may give you a low or medium score because of issues on your account, other lenders outside of that banking group may give you a higher score – Something to keep in mind if you’re struggling to work out why you’ve been declined. Also, it’s often the case where we help customers who have never checked their file and fear the worst, often having buried their heads in the sand, to then go on to find out things aren’t as bad as they thought. Actually, its surprising for a lot of people what is available in terms of bad credit remortgages in the UK, and that there are lenders out there with flexible criteria that still have competitive rates. NOTE: We advise you sign up for all three of Experian, Check My File, and UK Credit Ratings. Each lender uses a different one and often times they show different information. It’ll take an extra 5 minutes but if you’ve had problems and have been declined with a lender before, then it’s very much worth it. You will NOT be penalised or scored any differently for searching your own credit file with these agencies – credit score is only affected by applications for credit. AND – ITS FREE! Sign up for the free trials below and order your reports now. Sign up for your free trials here… Get your credit rating Find a broker… Establish your Loan to value (LTV) Work out the property value and the amount of deposit/equity you’ll have after the new mortgage, to define the LTV. This figure is important because lenders base their criteria around the different LTVs, where those with higher LTVs must have better credit ratings than those with lower LTVs. Customers at 90 usually require good credit scores and clean (or very light) adverse credit, customers at 85 can qualify with lenders with mild adverse credit or severe but historical issues, and customers at 75 or less can often get mortgages with heavy adverse credit issues (depending on how recent they were). Establish affordability The broker must also check the loan you want is within the lenders limits. This is true of any mortgage, not just remortgages for bad credit. They tend to work out based on a multiple of your annual income – a rough guide is 4x. So for a borrower on £50k the max might be £200k, however, certain lenders can offer up to 5x and in special circumstances go above and beyond this. The figures used by lenders changes when it comes to deciding what is and isn’t classed as income – usually the basic salary (or net profit for sole traders/partnerships, or directors salary + dividends if ltd company), is used for the full value. Other income such as overtime, bonuses, other employed income, and state benefits, may either be taken 100, or as a lesser percentage, or not counted at all. Map your credit file to the most appropriate lender The broker will then research all the best remortgage deals for bad credit based on your loan amount and LTV, and work from the top down the list to the first lender that will be most likely to accept your application. Obviously if you have more severe credit history issues then a high street lender with the best deals is unlikely to approve you, so your rate and/or fees are likely to be higher. Don’t let that scare you however – you’d be surprised that the deals tend not to be astronomical and actually are still competitive. If there’s no one that will consider your application due to your credit history at that particular LTV, then be prepared to find more equity/deposit to lower the LTV into a bracket that lenders will consider (this may only be a few depending on your current situation, as lenders at 85 are much more flexible than at 90). The alternative is being patient enough to wait for your credit report to recover over time, as the older the issues are, the less impact they have. Click for a detailed article on How to recover your credit report as quickly as possible. TOP TIP: One of the best things you can do to increase your credit score is to obtain an adverse specific credit card, and spend and repay in full on a monthly basis – this helps to prove you can borrow and live within your means at the same time, and you’ll notice your score improve over the coming weeks and months. There are 2 options here, the first is a standard credit card specifically for those with bad credit, the second is for those who are declined for standard cards and need a guaranteed-acceptance card (usually if you have had more severe and more recent adverse credit). We’d recommend trying for the Aqua card first, then go for the Mastercard if declined. the Card by Aqua here

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