Dr M Khalid's global village blog

Shivaji's Muslim Commanders and Aurangzeb's Hindu Commanders

2023-09-25T10:18:00.001-07:00

Shivaji's Muslim Commanders:

Ibrahim Khan Gardi: He was one of Shivaji's earliest and most trusted Muslim commanders. Ibrahim Khan Gardi played a significant role in the Maratha king's military campaigns and was known for his loyalty.

Darya Sarang: Darya Sarang, also known as Darya Khan, was another prominent Muslim commander in Shivaji's army. He was a skilled naval commander and played a crucial role in expanding Shivaji's influence along the Konkan coast.

Aurangzeb's Hindu Commanders:

Raja Jai Singh I: Raja Jai Singh I was a prominent Rajput noble and military commander in the Mughal Empire during the reign of Aurangzeb. He was known for his administrative skills and military prowess. Jai Singh I played a crucial role in various Mughal campaigns, including those against the Marathas.

Raja Ram Singh: Raja Ram Singh, another Rajput noble, was a commander in the Mughal army during Aurangzeb's reign. He is known for leading the Mughal forces in the Deccan and played a key role in Aurangzeb's campaigns in South India.

Mir Jumla II: Mir Jumla II was a prominent Hindu noble in the Mughal Empire and served as a commander in various military campaigns during Aurangzeb's rule. He was involved in several campaigns in the Deccan and other parts of India.

Some of the app development companies in Hyderabad include

2023-01-26T10:15:00.000-08:00

Mindster: Mindster is an app development company that specializes in creating mobile apps for various platforms like iOS, Android and cross-platform.

Openxcell: Openxcell is a full-service app development company that offers a wide range of services, including app development, testing, and deployment.

Konstant Infosolutions: Konstant Infosolutions is an app development company that specializes in creating mobile apps for iOS, Android, and Windows platforms.

Hyperlink Infosystem: Hyperlink Infosystem is a mobile app development company that creates apps for various platforms, including iOS, Android, and Windows.

ValueCoders: Valuecoders is an app development company that has a team of experienced developers who can create mobile apps for iOS, Android and Web

AppSquadz Technologies: AppSquadz Technologies is a leading mobile app development company, that specializes in creating high-quality mobile apps for iOS, Android, and cross-platform.

TechAhead: TechAhead is a leading mobile app development company that creates apps for various platforms, including iOS, Android, and Windows

Brahmasoft: Brahmasoft is an app development company that provides services for iOS, Android, and web platforms. They also offer services in areas such as digital marketing, web development and software development

Singsys : Singsys is a technology company that provides services for mobile, web and cloud platforms. They also provide services like IoT, AI, and Chatbot.

Mindinventory: Mindinventory is a mobile app development company that provides services for iOS, Android and web platforms. They also offer services in areas such as digital marketing, web development and software development.

iMOBDEV Technologies

CitrusLeaf

Tips to open our eyes, transform life and achieve success

2023-01-24T04:15:00.000-08:00

1. Stop waiting for the "right time." It doesn't exist.

2. Remove yourself from situations where you don't feel valued or respected.

3. Problems will always exist. Learn to enjoy life while solving them.

4. Nobody but you is to blame for your problems.

5. Fix yourself before you try to fix the world.

6. The most difficult mission on earth is to focus on your dreams; the easiest is to complain.

7. Don't follow your passion, follow your purpose.

8. You don't need 100 self-help books; you need consistency and self-discipline.

9. Don't trust people's words; trust their actions.

10. You don't need a lot of friends, just the right ones.

11. If you want to be strong, learn to be alone.

12. If you're passionate about success, don't blame the distractions, improve your focus.

13. You become 10x more mature if you can control your emotions, be proactive and react less.

14. Don't let pain break you, use it to create yourself and be stronger than you've been, pain is a tool to discover your potential.

15. Real growth starts when you're tired of your own shit.

16. Nobody cares about your story until you're successful. So become successful.

17. If you find someone smarter than you, don't compete but work with them and comprehend.

18. Even when you trust your family and close friends, don't let them know everything about you.

19. You'll be 10x happier if you forgive your past self and stop blaming it for your problems.

20. You can't be successful in business till you change your attitude. Your employer doesn't care about you. They only pay you enough to kill your dreams.

21. Never give your phone more attention than it's needed. Count the hours spent without your phone.

22. Everyone has the right attitude of mind and can make who they are because of what yourtheiriefs are

23. Most importantly pray before taking any steps or making any decisions in life. So as you don't take the wrong paths. Allah/God will bless and guide you on your path toward your goal.

24. Take nothing personally and save yourself from 99% of mental problems.

Risk to your bank account by careless handling of Adhaar data

2022-12-09T22:31:00.001-08:00

Although your bank account cannot be hacked by merely knowing your Aadhaar number, it can be misused, and you can become a victim of identity theft, cyber scams, and others.

E-Aadhaar is an electronic copy of your physical Aadhaar card, and it is also a valid proof of KYC for a host of services. So if you are using a cyber cafe to log into the website of UIDAI and download your e-Aadhaar card, you could be exposing yourself to a cyber security risk.

Pinakin Dave of OneSpan, advises people to log out of the system and make sure to delete all the downloaded copies permanently. If you don't do that, "fraudsters will be able to steal your information, including thumbprints, biometric data, and other details." They can also download digital fingerprints using various methods and transfer them to a physical surface.

According to a Delhi-based market research company, LocalCircles, 33 per cent of Indian consumers store their bank account, debit or credit card and ATM passwords, Aadhaar and PAN details on email or computer. It is a terrible cyber hygiene practice and can pose a significant risk if your email or computer is hacked.

In May 2022, the Times of India (TOI) reported that four people in Madhya Pradesh were running an Aadhaar payment scam. They had cloned people's fingerprints using gelatin, a rubber thumb impression printer, a temperature modulator, and chemicals. All the accused were arrested.

In June 2021, a gang in Gurugram copied over 2000 registration documents to know people's Aadhaar numbers, names, and other details to create illegal mobile wallets.

"They carried out transactions through AePS (Aadhaar Enabled Payment System). At one time, they could withdraw Rs 10,000 only from an account. So they carried out multiple transactions in a short time and withdrew large amounts from different accounts. The money was transferred to their bank accounts from these digital wallets," SP Deepak Gehlawat told TOI at that time.

Ref https://www.outlookindia.com/business/is-your-bank-account-at-risk-if-someone-knows-your-aadhaar-number--news-228112

HL7 integration tools

2022-11-15T04:08:00.000-08:00

page moved to https://healthtech2000.blogspot.com/2023/01/hl7-integration-tools.html

Transaction of Re 1 by CAMS part of mutual fund account verification process

2022-11-02T04:51:00.001-07:00

You may get an unexpected SMS message as this:
Dear Customer, INR 1 credited to A/c no. XXXXX on 23-01-21 at 11:35:44 IST. Info: IMPS/P2A/10231135xxxxx/Accvalid/Hxxxxxxx

OR an email as this:

INR 1.00 credited to A/c no. XX1251 on 02-11-22 at 16:37:20 IST. Info- IMPS/P2A/2306160xxxxx/KARZATEC/IDFCBank/. Avl Bal- INR 50813.53 - Axis Bank

This is a part of account verification process by CAMS.

CAMS is a Registrar and Transfer Agent for mutual funds.

It credits ₹1 to verify the bank account registered with the mutual fund folio.
The return file that is generated by the credit gives CAMS the name of the account holder as per the bank account.
If there is a mismatch between the two, CAMS looks at the name on the KYC (Know your Customer) document to decide which name to use.

How to do a great market research

2022-09-19T00:19:00.001-07:00

We should know:

What is market research all about? It's more than a formality. This step could determine how far you can take your business. We'll tell you what good market research looks like, and what it can deliver.

Why market research for startups is as important as it is to every type of business.

How you conduct market research for startups in a way that'll give you actionable data.

And we'll finish off with some examples of how market research changed the course for several startups

Conducting market research is important for attracting investors

If you want to impress potential investors, you'll need more than a shiny prototype. What investors really care about is how likely it is that they will make money out of this. And for that, they'll need to see research that backs up your claims. A big part of your business plan should therefore be market research.

Why startups fail
That all sounds pretty straightforward so far, right? Then why do startups still fail?

The top answers for this underline the importance of market research once again. Because at number 1 in the list of reasons why startups fail, we find 'no market need'. In 42% of the cases, there's simply not a big enough demand for a product or service – no matter how innovative it is.

Find the right market research methods

Primary market research
The internet only knows so much. Some data you will have to get straight from the source, for instance from your target audience. That's where primary data comes in the picture. This is research you do yourself, gathering information directly from the people you want to use your product or service.

Secondary research
If you use research and data that already exists, you're doing secondary market research and finding secondary data.

6 Great market research tools are given in the link below.

Ref https://www.askattest.com/blog/guides/market-research-for-a-startup

Seed stage & start up phase major points to guide you

2022-09-19T00:13:00.001-07:00

A. Seed Stage:

What to consider during the seed stage so that your business is on a robust foundation.

# Idea

What is your idea?
What will be the product or service of the business line?
Is it a new business or are you looking to develop an old business?

# Feasibility

Do you have the required skill and experience to successfully handle the business?
Do you have any idea about the financial needs of the business?
How will you finance the business?
Do you know your strength and weakness?

# Your Target market

Who will you target?
Who will be your competitors? Do you know their strength and weaknesses?
Do you think that you have no competition? If it is true, do you think the product or the service is required?
What is unique about your product or service which will attract people to buy?

B. What activities to be done at start up stage ?

Finding a location, checking the suppliers, choosing the partners, planning the business, making a marketing plan, registering the business, etc.

The business owner has to decide on the number of employees required or if it is a family business then, who will look into its operations.

The business has manufactured its product or the services and it has been shared with the customers (Szerb and Vörös, 2019). At this stage the business owner may be in a position to evaluate whether the investment made at the first stage in terms of finance and time was sufficient or not.

The business owner has to invest his energy and time to market the product. The business owner needs to evaluate the needs of the customers and verify whether the business is going in the right direction or not.

The focus at this stage is to establish a relationship with the customers and establish the business in the market along with maintaining and checking the flow of cash. At this stage of the business life cycle, the business may get finance from the owners, their family members, their friends, suppliers, its customers or government grants.

At this business life cycle stage the business owner has to develop a relationship with its suppliers on how to make payments, etc. The business owner has to make strategies to deal with its competitors.

Knowing about the taxes and following the rules and regulations is an important factor (Hasan, Al-Hadi, Taylor and Richardson, 2016).

The business owner has to ensure that its product or services are efficiently launched in the market so that the people are aware about the business and its services, its location and who the owners are. During this phase the business owner may look into revising his budget.

ref

https://www.totalassignmenthelp.com/free-sample/business-life-cycle

Also see:

20 mistakes to avoid when starting your business

https://www.businessnewsdaily.com/7398-startup-mistakes-to-avoid.html

Business becomes profitable only after initial phase - business life cycle

2022-09-19T00:10:00.001-07:00

The business life cycle is the progression of a business in phases over time and is most commonly divided into these stages:

1. launch

2. growth - business becomes profitable

3. shake-out

4. maturity

5. Decline (if you don't evolve)

We can avoid the last stages where growth stops by evolving the business model as per market environment.

Also see:

A standard ref : https://www.forbes.com/sites/theyec/2018/01/11/business-life-cycle-spectrum-where-are-you/?sh=6d239503ef5e

Breakup of activities details: https://www.totalassignmenthelp.com/free-sample/business-life-cycle

Ref https://corporatefinanceinstitute.com/resources/knowledge/finance/business-life-cycle/

Resume Tips by Google HR

2022-09-10T09:15:00.001-07:00

Google HR team suggests these: They recommend job applicants to get rid of weak action verbs. Don't use 'I helped,' 'I was responsible for".

Instead of the passive language on the resume, Rivera (HR) recommended applicants to use active verbs like-streamlined, managed, implemented, improved, strategized, increased, produced, and generated.

She also asked users to post things like "reference available upon request". Rivera elaborated, saying that if companies want a reference they will ask you for it. It is not important for applicants to mention it on their CVs.

Another thing that people should not include, as per the Google recruiter, is the objective and full address, very long description of work experience in resume.

Ref

India Today: Want to get a job in Google? Don't write these five things in your resume.

https://www.indiatoday.in/technology/news/story/want-to-get-a-job-in-google-don-t-write-these-five-things-in-your-resume-1998432-2022-09-09

Blood Donation facts, benefits, precautions

2022-06-11T00:24:00.000-07:00

Any side effects?

There are no side effects of Blood Donation. A small percentage of first-time donors may psychologically feel a little dizzy but only for a few minutes. This is not a matter of concern.

_____

How much?

One can donate up to 450 ml of blood

The body can replenish this volume within 24 hours

Normally only 350 ml of blood is collected by the Blood Bank

____

What happens to the donated blood?

The blood is thoroughly tested in all possible respects and given to the needy patients after cross matching

The Blood is separated into components viz. Red Cells, White Cells, Plasma & Platelets

The blood components are made available to Hospitals and Nursing Homes on need basis

This is how each time you donate blood you save up to 4 lives

____

Benefits to the donor?

It reduces the chances of ischemic heart diseases (beginning of heart problems) as frequent donations reduce the accumulated and unwanted iron load from the body

Each donor's blood is checked for Blood Group, Malaria, V.D.R.L, Hepatitis "B" & "C", HIV I&II (AIDS)

Blood screen report is issued to all voluntary donors

Blood Group Card is issued, in case of necessity Blood can be arranged free-of-cost for the voluntary donor and his relatives

_____

How frequently can one donate blood?

Males every 3 months

Females every 4 months

_______

Who can Donate blood?

Be in generally good health and feeling well

Be at least 18 years of age; upper age 60

Weigh at least 50 Kgs

Pulse: 80 to 100 beats/min and regular

Temperature: Should not exceed 99.5 (37.5c)

Blood Pressure: acceptable range is 110/60 to 140/90

________

Do not donate blood, if:

You have ever tested positive for HIV

You have ever injected yourself with drugs or other substances not prescribed by a physician

You have hemophilia or another Blood clotting disorder and received clotting factor concentrate

You have been held in a correctional facility (including jails, prisons and/or detention centers) for more than 72 hours in the last 12 months

Pregnant and anemic women should not donate blood

People suffering from contagious diseases should not donate blood

The donor should not have contacted jaundice in the previous three years

_______

Care a donor should take after donating blood:

Drink some liquid like tea, cold drink, juice, etc. to replenish fluid and eat some snacks. All this will be available for you at the blood donation site

Drink more liquids than usual in next 4 hours

Avoid consuming alcohol until you have eaten something

Don't smoke for next 30 minutes

Avoid climbing steps for next 30 minutes

If there is bleeding from the phlebotomy site, raise the arm and apply pressure

If fainting or dizziness occurs, either lie down or sit with the head between the knees

Resume all normal activities if no symptoms occur

Remove bandage next day

IIT Madras offers these free good courses in computer science skills

2022-05-05T01:12:00.001-07:00

The Computer Science courses that are available for students on the portal have been listed below -

1. Programming

2. Data Structures

3. Computer Organisation and Algorithms

Educational Institutions, students and anyone who is interested in applying for online courses offered by IIT Madras can take part in these Computer Science courses by visiting the official portal at nsm.iitm.ac.in/cse/

Easy method to avoid Road accidents

2022-04-09T11:57:00.001-07:00

*WHAT IS _ROAD HYPNOSIS?_*

- Road hypnosis is a physical condition that most drivers are unaware of.

- ROAD HYPNOSIS starts 2.5 hours after getting on the road. The eyes of the hypnosis driver is open, but the brain does not record and analyse what the eye sees.

- ROAD HYPNOSIS is the number one cause of rear-end crashes to parked vehicle or truck in front of you.

- The driver with ROAD HYPNOSIS remembers nothing of the last 15 minutes until the moment of collision. He cannot analyse at what speed he is going, or the speed of the car in front of him; usually the collision is above 100 km.

- In order to protect yourself from ROAD HYPNOSIS, it is necessary to stop, take a walk, drink tea or coffee every 2.5 hours.

- It is important to note and remember certain places and vehicles while driving.

- If you don't remember anything from the last 15 minutes, it means you are driving yourself and the co-travelers to death.

- ROAD HYPNOSIS happens more often at night and if the co-travelers are also sleeping, the situation is very severe.

- The driver should stop, rest, walk 5-6 minutes every 2.5 hours and keep his mind open.

- Accident is inevitable even if the eyes are open but the mind is closed..

Be Safe and Drive Safe.

The Financial Express: Investing in Mutual Funds through a demat account? Know the problems you may face

2022-03-15T06:42:00.000-07:00

The Financial Express: Investing in Mutual Funds through a demat account? Know the problems you may face.

https://www.financialexpress.com/money/investing-in-mutual-funds-through-a-demat-account-know-the-problems-you-may-face/2458206/?utm_source=newsstand&utm_medium=Referral

Long Term investing: risk appetite can multiply wealth 1000 times in 30 years.

2021-08-06T04:49:00.003-07:00

Stock markets reward persistence. Good risk appetite can multiply wealth 1000 times in 30 years.

Story of Ramdeo Agarwal of Motilal Oswal is a sample for huge rewards in long term investing. Agrawal started his investment journey with Rs 1 crore in 1990. At the time of the Harshad Mehta-led market rally in 1992, the value of his investment increased to Rs 30 crore.

However, once the bubble burst, the value of investment reduced to Rs 10 crore from Rs 30 crore in correction after the 1992 market rally. The value of his investments increased 10 times from Rs 10 crore to Rs 100 crore in the Y2K market rally of 2000.

The correction after the Y2K rally saw 70 per cent erosion in the value of his investment and it plummets to Rs 30 crore from Rs 100 crore.

However, within seven years, the value of his investment soared by as much as 833 per cent – from Rs 30 crore to Rs 550 crore during the 2007 market rally.

The market meltdown after the 2007 rally resulted in a steep fall in the value of Agrawal's investments as Rs 550 crore reduced to Rs 250 crore in 2008.

His patience paid a rich dividend as the value of Agrawal's investments increased from Rs 250 crore to Rs 1,850 crore by February 2020. As the markets crashed briefly during the onset of Covid-19 pandemic, the value of investments reduced from Rs 1,850 crore to Rs 1,150 crore in 2020.

With the ease of Covid concerns, the value of Agrawal's investments has now increased to over Rs 2,200 crore in the current market rally of 2020-2021.

Join our group for good stock picks, discussimg your stock Ideas and more. click here https://t.me/joinchat/j0a21Mz4KShkZDY9

Ref https://www.financialexpress.com/money/from-rs-1-cr-to-rs-2200-cr-what-makes-a-roller-coaster-ride-possible-for-raamdeo-agrawal/2305260/

Jobs which can be replaced by AI in the next 10 years

2021-06-17T08:32:00.001-07:00

Jobs that robots will replace in the future

Based on the nature and type of these jobs, here is a rundown of the jobs that AI machines are most likely to perform in the future:

1. Customer service executives

Customer service executives don't require a high level of social or emotional intelligence to perform. Many companies now rely on AI to answer FAQs and customer support questions. Chatbots are not only becoming a significant part of customer interaction. They also support a lot of internal queries, among others.

2. Bookkeeping and data entry

There is a chance you may not have heard of bookkeeping as a profession in a long time. Instead of using humans for data entry and bookkeeping, it makes sense for AI and ML (Machine Learning) to be introduced in the product cycle.

3. Receptionists

And with auto check-ins in both large and small hotels, there will be a lesser need for receptionists in the long run. Nowadays, even in fast food joints, people can place orders through communication screens or tabs. With AI's introduction, there is a good chance that robots can handle ordering and other related functions.

4. Proofreading

While editing is a more complex job in terms of tonality, comprehension, and others, proofreading is much simpler. Detecting grammatical mistakes, sentence construction, and other errors can easily be automated through different apps. For example, Grammarly is one of the most famous apps that professionals use for this purpose.

5. Manufacturing and pharmaceutical work

This sector is probably the most extensive area where people are scared that AI will take over jobs. When the production process for most commodities produced today has been mechanized, the operational aspect can also be handled by AI.

Even in pharmaceutical labs, robots can work together with scientists providing a much safer environment. Scientists will no longer be putting their lives less at risk.

6. Retail services

Automated services have replaced people who carry out the way sales. From several merchants focussing on self-ordering and payment options, AI can very quickly be involved as well.

Robots are replacing retailer jobs in many shopping conglomerates to understand customers' patterns. Moreover, the advanced data analysis of AI machines shows other products that customers might be interested in in the future.

Workforce Planning: How to Master it for Business Efficiency

7. Courier services

AI has introduced many social and economic changes to the delivery industry. It has streamlined various logistics and supply chain functions. Drones and robots are already taking over courier services. Aside from the manufacturing industry, the transport sectors will be most affected when robotic automation booms in the future years.

8. Market research analysts

Research analysts are crucial for every organization. They conduct market research to increase the performance of their business. AI-enabled robots are gaining popularity in this sector because of the comprehensive data that they provide.

9. Security guards

AI has made substantial advancements in the field of physical security. For example, Yelp's security robot can inspect a building with its high-definition camera. It also has a directional mic and infrared sensor that can detect any suspicious activity. There is an 84% chance that AI will fully automate this sector in the future.

With an increasing dependency on technology for these functions, human involvement will be redundant for future jobs. But does the future look that bleak for everyone who has a job?

Covidshield, Covaxin & Sputnik V compared for efficacy/effectiveness

2021-06-01T01:15:00.001-07:00

Covidshield:

Unpublished data suggests that leaving a longer gap between the first and second doses increases the overall effectiveness of the jab - in a sub-group given the vaccine this way it was found to be 70% effective after the first dose.

Ref: https://www.bbc.com/news/world-asia-india-55748124

______________

Covaxin:

While it is unclear what additional information WHO wants from Bharat Biotech, Dr Jammi Nagaraj Rao highlighted some concerns regarding Covaxin's efficiency for The Wire Science. He pointed out that reaction to the Bharat Biotech's analysis of an 80.6% efficacy should be tempered because it is based on interim data of just 43 cases of COVID-19 among the 25,800 people who had been recruited for the trial.

He calculated that the approximate 95% CI for Covaxin's efficacy rate would be 56.4% to 91.3% – which is too wide to be reliable.

Dr Jammi Nagaraj Rao is director of Policy, Welcome Wellbeing CIC, UK.

Welcome Wellbeing CIC Ltd is a community interest company that works with the NHS of UK.

Ref https://science.thewire.in/health/covid-vaccines-without-who-approval-covaxin-remains-second-among-equals/

Details on tentative WHO approval: https://www.hindustantimes.com/india-news/covaxin-efficacy-78-in-phase-3-analysis-101622227104005.html

_________________

Sputnik V:

Sputnik V gives around 92% protection against Covid-19, late stage trial results published in The Lancet reveal.

Ref: https://www.bbc.com/news/world-asia-india-55748124
-------

The effectiveness of the Covishield vaccine is nearly 90% as per the global reports and Covaxin's 81% according to interim 3rd phase trial results.

Ref https://pharmeasy.in/blog/covaxin-vs-covishield-a-detailed-comparison/

------

According to Indian Council of Medical Research (ICMR) head Dr Balram Bhargava, the immunity after the first dose of Covishield was found to be strong and that the three months gap will give the best results, a report in Times of India said.

However, the immunity level produced after the first dose of Covaxin is not as high and "this means the second dose should be taken after four weeks to ensure full efficacy", the TOI report quoted him as saying.

Ref https://www.indiatvnews.com/news/india/covishield-first-dose-develops-strong-immunity-than-covaxin-icmr-head-706045

------

Additional info

Ref https://www.thehindu.com/news/national/coronavirus-single-dose-only-33-effective-against-b16172-variant-uk/article34628435.ece

Promising Covid-19 treatment based on silencing RNA and Nano particle developed by Australia and US scientists

2021-05-19T05:44:00.001-07:00

Traditional antivirals, which include Tamiflu, zanamivir and remdesivir, reduce symptoms and help people recover earlier.

The new antiviral approach used gene-silencing RNA technology called siRNA (small-interfering RNA) to attack the virus' genome directly, which stops the virus from replicating, as well as lipid nanoparticles designed at Griffith University and City of Hope to deliver the siRNA to the lungs, the critical site of infection.

It was used on mice. "Treatment with virus-specific siRNA reduces viral load by 99.9 per cent. These stealth nanoparticles can be delivered to a wide range of lung cells and silence viral genes," said co-lead researcher Nigel McMillan, Professor at Menzies Health Institute Queensland (MHIQ) at Griffith.

Ref

https://www.businessinsider.in/science/health/news/scientists-from-australia-and-us-develops-new-antiviral-therapy-with-99-99-efficacy-against-covid-19/articleshow/82766246.cms

Budget 2021: House loan-you can get tax exemption upto ₹3.5 lakh if house costs upto 45 lakh

2021-02-03T04:30:00.000-08:00

Confirm with the bank before proceeding. As per new tax laws, you can get tax exemption upto ₹3.5 lakh. Houses valued under ₹45 lakh comes under the affordable housing category. If you are planning a home under affordable housing scheme of ₹45 lakh, you can get additional deduction for the interest paid on the affordable housing up to ₹1.5 lakh under Section 80EEA of the Income Tax Act. The scheme will be valid till 31 March next year. It must be noted that that homebuyer must not own any other residential property as on the date of sanction of the loan to avail this benefit.

This is over and above the tax exemption of up to ₹2 lakh on home loan interest rates under Section 24 of the Income Tax Act. So new home buyers can enjoy the tax exemption of up to ₹3.5 lakh on home loan interest rates.

Plan your finances- achieve life goals with ease

2021-01-03T05:32:00.001-08:00

Goal based investing is the easy way to achieve financial goals. It is based on the premise that financial planning is more effective when you work towards achieving a goal rather than chasing returns. A goal based investment strategy first creates a personalised financial goal according to the investor's age, income, expenses, savings and risk appetite.

Then, based on that personalised goal and the time period available to achieve the goal, an approximate amount is calculated while taking inflation, expenses and other investments into consideration. Also, one needs to calculate the amount that must be invested regularly (monthly, quarterly, half yearly or annually) to build that corpus in the predetermined time frame.

The next question the investor may ask after that is: Where to invest money? Again, the answer to that question will be based on your desired corpus size, timeframe and risk appetite.

How to get it right

You know everything about goal-based investing and are ready to start now. But to get it right, there are a few rules that you should always keep in mind and follow them religiously. Here are a few important ones.

Be sure about your goals – You must introspect carefully to identify your goals and time horizon before you start. Be absolutely sure about what you want and that you will take all measures to get there.

Be accurate – If you are planning to send your child to a medical college, consult a parent whose child is studying in one to get all the details. Take the rate of inflation into consideration when you calculate the investment goal according to the time horizon.

Know how much you can invest – Be realistic about your capacity to save and invest based on your income, expenses, loans, other investments, etc. Don't forsake important investments plans such as those for your retirement in the process.

Determine the average rate of return – When you calculate the average rate or return for a ULIP or mutual fund, refer to the weighted average of returns. Also, remember that rate of return is based on expected compounded annualized growth rate (CAGR).

Decide on equity exposure – Don't put all your eggs in one basket. You can invest in both equity and debt instruments to reach your investment goal. Your equity exposure should be depending on your investment horizon.

Consider your risk appetite – Your capacity to bear financial risk is an important factor in deciding the investment instrument and portfolio distribution. If your risk appetite is high and you have a long-term horizon, you can have more exposure to equity funds. On the other hand, if your goals are short-term, your fund allocation must be more debt-oriented.

Review regularly – You need to review your investment portfolio regularly to ensure that you are on track with your goals. Not only you can switch funds, you can also top-up your investment for higher returns if your portfolio is performing well.

Remember that it's important to have the right mind-set if you want to succeed in goal based investing. Patient, perseverance and consistency are essential and indispensable virtues in this method of investing.

Coronavirus related death trends around the world

2020-11-28T23:57:00.001-08:00

As seen on https://bing.com/covid

(Microsoft owned source), we can see the trend is not showing signs of significant control. Here is data for total confirmed fatal cases USA , Brazil and India have a high number . Refer to image 1a and image 1b. If we remove the top three countries from the data, we can see the comparative number of fatal cases in other countries more clearly. refer to image 2.

Click on any image to enlarge.

For Vaccine related progress and different programs see https://bing.com/covid?vert=vaccineTracker

What are the titles CEO , CMO, CXO. CTO, CFO, COO, CIO, CHRO/CPO - The Chief Executive suite C-Suite

2020-11-06T02:05:00.000-08:00

Shorthand for a company's top tier of executives, the term C-suite derives from the first letter of the high-level executive titles used by many large enterprises. The most common C-suite titles are chief executive officer (CEO), chief financial officer (CFO), and chief operating officer (COO). These C-suite leaders, also known as C-level executives, make decisions that can determine success or failure for their companies.

Major publicly traded companies typically need several C-suite leaders. Standard roles include not only CEO, COO, and CFO, but also chief technology officer (CTO), chief information officer (CIO), and chief marketing officer (CMO). Smaller operations typically only need one C-suite executive, at the most two or three. A small business may have individuals leading key functions of a company, such as finance or marketing, who do not hold C-level titles.

Chief experience officer (CXO) : an executive responsible for the overall experience of an organization's products and services. As user experience (UX) is quickly becoming a key differentiator in the modern business landscape, The CXO is charged with bringing holistic experience design to the boardroom and making it an intrinsic part of the company's strategy and culture. The CXO typically reports to the chief executive officer (CEO), chief operating officer (COO) or chief marketing officer (CMO).

Chief human resources officer (CHRO) or chief people officer (CPO) : a corporate officer who oversees all aspects of human resource management and industrial relations policies, practices and operations for an organization.

New Method of fraudsters. They pose as govt tax officials

2020-11-03T22:19:00.001-08:00

New Method of fraudsters to collect your details by confusing you. Be careful. I got a whatsapp message from an unknown number. When I checked on truecaller, they have not entered the proper name. Only entered name as 'V V'. Lot of people have reported it as a spam call. See Images.

Golden opportunity to be an investor partner in a restaurant at Hyderabad brought to you by Indus Global business consulting www.indusglobal.biz

2020-10-17T03:18:00.000-07:00

We are happy to announce that we have got investors for more than 60% of the amount for this opportunity now. We have a good investment opportunity at Hyderabad brought to you by Indus Global business consulting services www.indusglobal.biz . We have initiated discussions to take over the management of a popular restaurant and bakery. The investment to be done is Rs 54 lakh ( 50% for operational expenses and 50% to be paid as refundable deposit for Lease). It is located on one of the busy cross roads. There are two outlets- restaurant and bakery at a rent of Rs 1.4 lack per month. Profit of Rs 30000 per day is expected on an average. Half of the profit will go to the operations executing partner. So investors will have 15000 per day or 4.5 lac per Month. So we will break even in about 14 months. The owners are focusing on their other business hence don't want to handle this business. A company will be formed. Investors will get a share equal to the ratio of investment they do. A chartered accountant firm will handle all the legal formalities. Minimum investment of Rs 10- 12 lakh is expected per shareholder. Contact Dr M Khalid Munir 9603018957 (WhatsApp available).

A lesson in WISDOM.... Value time

2020-09-20T01:07:00.001-07:00

A donkey and a tiger were arguing....

The donkey said to the tiger,

"The grass is blue."

Tiger rebutted, "No, grass is green."

Then the discussion between the two became more and more intense.

Both of them were firm in their own words and refused to give way.

To end this controversy, both decided to see the Lion, King of Jungle - for a verdict to resolve their argument.

In the middle of the animal kingdom, sitting on the throne was King lion.

The donkey started yelling before the tiger could even say anything.... "Your Highness, the grass is blue, isn't it ?"

The Lion took a look at the donkey and said, "Yes ! The grass is blue."

Donkey : "This tiger does not believe or refuses to believe.

Annoys me - he should be punished accordingly ."

The king declared, "Tiger will be banished from this jungle for a week. "

The Lion King's verdict was heard by the donkey and he was jumping triumphantly with joy in the entire jungle and beating his chest in delight to the amusement of all around.

The tiger was sentenced to a week's banishment.

The Tiger paced sadly up to the Lion and asked, "Why, Your Highness ?

Grass is green, isn't it ? "

Lion looked at the tiger sternly in the eyes and replied, "Yes ! Grass is green."

Tiger said, "... then why am I sentenced to banishment ?"

Lion said, "you did not get punished for the grass being blue or green.

You have been punished for debating with that stupid donkey.

Brave and intelligent creatures like you have argued with a donkey and come here to get a decision.

You are just wasting my time, your time and everybody's time !"

Moral of the story....

Don't ever debate or argue with donkeys - better leave them in their own world of fantasies.

There are donkeys out there behaving like tigers and there are tigers out there turning into donkeys.

Know who you REALLY are and your REAL WORTH.

Catch the drift....?