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Natural hazards take place periodically every year in the sub-continent India, devastating the life of several residents placed around eastern and western coastal areas. The tourism phenomenon is not immune to natural disasters. Due to the intrinsic scenery many tourism developments are often located in regions that are exposed to natural disasters, in particular beach and coastal areas promoting coastal tourism. Tourists travel to a destination only for a short time period and may not be aware of such local hazards and finally they may become the victims of such natural disasters which results in creating a negative impact on the image of the destination that can be both serious and long-lasting. The study focuses on Puri and Konark, two most preferred tourist destinations in Odisha, prone to natural calamity called cyclonic storms. The research paper may contribute a valuable insight and guidelines for policy makers and other stakeholders concerned to restore and reduce the hazards of natural disaster in the Puri-Konark tourist.

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The small savings scheme plays a vital role in mobilizing savings for the economy, and the post office provides a variety of products to people to promote a savings habit. The current research attempts to analyze the moderation effect of financial consultants in relationship between the small savings scheme of the post office, financial literacy and behavior, and the savings habit of people. The study exhibits a significant positive impact of predictors and moderation variables on savings habits. In this regard, a two-phase structural equation modeling (SEM) has been employed to validate the hypothesized measurement model using confirmatory factor analysis (CFA), and in the next phase, the structural model verifies the hypothesized association between exogenous and endogenous variables to draw rational inferences. And a positive effect of predictors and interaction variables is observed. Finally, the study concluded with an important suggestion for the investment manager and other intermediaries: integrate the financial engineering process by giving due importance to investor needs.