Category: Articles

An open letter to my fellow Indians

Dear Indians,

Before I lose connect with the reality of the world around me, this open letter is aimed at clearing out my thoughts before my fellow citizens. If the freedom of speech is really under threat, how come restless voices are earning more and more airtime on television debates. Evidently, the cacophony over freedom of expression or speech itself is a self-defeating argument. In first place, how can freedom of speech be under threat in the country that is one of the largest markets for social media platforms such as Facebook, Youtube, Twitter and Instagram among others. In fact, freedom of speech was never so high before the times we are living in today.
Last week, I came across a film by Australian Broadcasting Corporation (ABC TV) that is claiming to have investigated the transactions of a leading Indian corporate house. ABC TV’s feature 4 Corners provided platform to a member of parliament from the opposition party, an opinionated journalist besides a former bureaucrat and a scholar from a think tank. All four of them aggressively criticised a successful entrepreneur and they portrayed India as a lawless nation without a trace of fear. If an opposition leader, critical journalist, former IAS officer and think tank can speak on camera of the international media, I sense we are wasting our time discussing freedom of speech unnecessarily.

And this is not an end of my argument. I have never seen Chinese or Japanese media or politicians or bureaucrats (and they don’t have think tanks to my knowledge) ever harming their national interests or reputation by taking on own government systems or corporations for acquiring natural resources overseas. On the other hand, likes of Jairam Ramesh and Paranjoy Guha Thakurta have come handy to the elements trying to destabilize our nation. This kind of people has mastered the art of fabricating narratives suiting to their current political positions and materialistic aspirations.

I am a believer of democracy and believe in respecting the mandate of the nation when it comes to India’s constitutional posts such as President and Prime Minister. However, at the cost of being labelled as a Bhakt, let me venture into some more details. Since, majority of the opposition leaders and their agent activists have failed to take on Narendra Modi, they have intensified their attacks on Gujarat based Adani Group.

My knowledge about such large houses is inadequate to pass any judgment against them or their promoters. But I strongly feel that these corporations have helped India to become world’s one fastest growing economy today. Without these entrepreneurs, our populated nation would have remained deprived of very basic necessities. As a consumer, I share a special relationship with each and every large corporate house of this country. These entrepreneurs have ensured better and happier life and lifestyle by improving standards of products and services that we cannot live without. These corporations have allowed me to enjoy energy security. They have allowed me travel faster and safer. They have allowed me to enjoy food from tamper proof packaging. They have enabled me to use imported mobile handset and rapid internet service to enjoy Freedom of Speech to reach out to the world. These entrepreneurs are making India and the world, a better place.

If Jairams and Pranjoys think that these corporations are devils, they should leave the cosy and secure national capital and start living without amenities such as uninterrupted electricity and gas supplies. Going back to the stone age will protect the environment as they will give up their highflying life to perform what they are preaching. Jairams and Pranjoys should stop using imported mobile handsets so that India does not have to build ports anymore. It will also protect Indian image and economy since international journalists will not be able to reach Jairams and Pranjoys. If these characters find building oil refineries and airports unethical, Jairams and Pranjoys should give up their SUVs and stop flying frequently. If they believe in what they are vocally speaking, they should stop using anything and everything that these entrepreneurs have created for humankind.

In past couple of years, those who were not known even own neighbourhood have earned national fame as television channels are giving airtime to debates increasing while any loud mouth can manage to trend on Twitter. This would have not happened if freedom of speech was under attack. Let us do our job and stop listening to those exercising their right of speech to preach us about lack of freedom of expression.

Warm regards,

A Free Indian

The above article is written by Bhaavna Arora

When building a website, you might be confused as to what customizations to add, and what your customers will actually like. That’s why we’ve got this e-commerce website feature list to help you. Here’s a list of items that you should have when you’re designing a website.

A Clear Logo

A logo is a symbol of trust and genuinity. It’s also a symbol of recognition. Whether it’s a big brand or a new one, a logo helps your customers recognise your brand. Several logo makers are available in the market that can be used to make free logos for your website. Some of them are listed here.

Logos promote trust, loyalty and increase brand recall

Ease Of Use

When it comes to websites, this is the most important feature you should concentrate on. If your website isn’t user-friendly, it might drive customers away. The idea is to let your customers get what they want on your website without running into complexities.

The best way to understand how you can modify your website to become easy to use is by looking at other websites that are doing well on the internet. Some ways you can do this is by making categories of the products that you sell, including FAQ sections, and attaching the review sections close to the products.

Mobile Friendly Website

A brick and mortar store’s latest collection can be browsed on a mobile phone

One-third of the entire customer base chooses to browse e-commerce websites on their smartphones. After this, even Google has instructed all the websites to make them mobile responsive too by 2017. Failing to do so could lead to a loss in SEO rankings for your website. Make your website responsive so that your customers can enjoy the user-friendly experience at its peak.

High Resolution Photos And Videos Of Your Products

Every customer wants to see the product they want to buy from various angles. Zoom in and try to get the feel of the product. And if the picture is unclear, it will fail to motivate your customer into buying the product. Including videos of the product being used by someone else will also help extensively.

Show Advantages Of Your Products

A great selling point is a way your product can help your customer. Many customers don’t know what they exactly need. Listing down advantages could help them understand their needs and will also make them buy your product.

Special Offers

Customers love deals and discounts. Set up banners displaying the ongoing discounts on your website to coax your customers to buy products. You can also use a unique web page for the offers. This will increase not only increase the traffic on your website but also improve your SEO rankings. Free shipping is another deal that will motivate your customers to buy more from you.

Blog And Latest News

Customers are always on a lookout for best deals, new arrivals, news on the products, tips, etc. Having a blog or a page that lists out this news is a good way to attract customers to your website. It can help increase sales and also help them at times they are in need of it.

Brand Your Best Products

It is not possible to predict what kind of product your customer is looking for. Most of them visit your website only to check it out. A page that shows the best products on your website could motivate them into learning more about the product and maybe eventually buy it too. It is a perfect attention grabber for first-time visitors of your website. Make sure to include them on the homepage of your website for better effectiveness.

Related Products

When a customer is looking for a product, it would help when they get the option of also viewing products similar to the one they are currently viewing. This will allow them to get a better exposure to all the kinds of products on your website. Make sure to include a ‘you might also like’ or ‘other popular products’ under the product to make them popular.

FAQs

This should be another essential addition to your website because a lot of times customers have This should be another essential addition for your website because a lot of times customers have queries. How the delivery works, what the return process is, how the EMI system on your website works, etc. Since there is no-one available to ask directly, an FAQ could prove to be helpful for your customers.

With this, you know of most of the things on the e-commerce website feature list to include on your e-commerce website to make your customer’s shopping experience better. If you need some more tips, visit this website that gives you insight into all the necessary aspects.

Most e-commerce website builders like Shopify, Magento, BigCommerce, etc., come with step by step instructions on what to include on your online business platform. Some of them, like Shopify, have their own logo builders, domain name generators, etc. and include everything on one platform to make your life simpler.

 

Think of the day when you first opened your bank account ,you need to take half day leave from your office because of banking working hours and then cumbersome procedure to fill form and do KYC and most important you need to stand in queue. Imagine now you don’t need to do all these stuff but just need to download an app and you have opened your bank account. Does it seems like a dream? Yes, But its true,DBS bank has made it possible for us. With the introduction of DBS banks Digibank app it has made our life much easier and simpler. With digibank wallet you can Recharge, shop, pay your bills ,transfer money hassle free and quickly. Now we can sit at home and do all our banking work .We can call it as an digital banking or can we call as an Smart banking.DBS bank have made this smart banking possible for us with the introduction of Digibank app. It’s Singapore’s best and Asia’s safest payment app with more security and hassle free process. There are other e-wallet app present in the market but they are not secured ,but Digibank app has more secured security where you don’t need to have an OTP on your mobile they have a more secured V-Key security where they authenticate the transaction and then only the transaction is processed .It is Singapore’s best and Asia’s safest payment app. It has 24*7 virtual assistant ( artificial intelligent).This assistant is Asia’s first kind of customer service. If you have to transfer 100 rupees to your friend, in other App you need to type the name and amount to be transferred , but in digiapp you just need to speak “ Transfer 100 rupees to Prem(Friend Name)”. Within few second the amount get transfer to you friend. Isn’t that amazing?.

With further stage you can open digisavings account where you need to upload your Aadhar card and Pan card and then get Authenticated at DBS bank partnered store. Isnt that simpler than standing in a queue for your account to be open.Now coming to the reward point ,we get 7% interest rate for keeping our money in Digisavings , which is higher than any other bank. It has also has 5-10% cashback scheme on various products that’s which is amazing for online buyers.With Digibank you also get an Visa debit card where you have the option of unlimited withdrawals ,where there is cap by other banks for withdrawals.So it’s very good for those who have the habit of using ATM very frequently because they don’t need to pay for withdrawals .Most important is that you don’t need to keep minimum balance in your account for using It also has special and promotional offers for the user.And the God of cricket Sachin Tendulkar is the Brand Ambassador of the DBS digibank.

So what are you waiting for ,hurry up and download the app and be the part of smart banking and earn more and enjoy banking sitting at your home #LiveMoreBankLess

Worries about security, health and comfort become greater in your Golden years. With rising prices, increasing health care expenses and high life expectancy planning for your post-retirement phase in life has become important.

Hence, it is important to invest in something that not only helps you plan for retirement, but also continues to pay you an income throughout your retired life. FDs, MFs and other investment takes care of your future goals but these investments will not give you regular income with which you can manage your day to day activities. One such plan that can help you plan for your retirement and provide you an income is an immediate annuity plan.

It converts your savings or lump sum amount into a guaranteed lifetime income source post-retirement, which you can avail anytime as per your choice.

Annuities are a great option for people who want to receive a steady income and stay financial independent even after retirement.

 

In annuities, you can choose your payout option: receive payments for the rest of your life, or for a set number of years.

 

Let’s look at the different types of annuities

There are two basic types of annuities: deferred and immediate.

 

With a deferred annuity, your money is invested for a period of time until you are ready for withdrawals.

In an immediate annuity you begin to receive payments soon after you make your initial investment. So you can consider opting for an immediate annuity even when you approach retirement age.

Annuities can also be either fixed or variable depending on whether you opt for the pay out option which is a fixed or variable i.e. it will be tied to the performance of the overall market.

 

The money that you invest in an annuity is tax-deferred. When you get withdrawals, the amount you contributed is not taxed, but your income is taxed at your regular income tax rate.

The biggest advantage annuities offer is that they allow you to invest a larger amount of cash and defer taxes. So you can put away more money for a happy retirement. All the money you invest compounds year after year. You can choose opt for your returns by choosing to take a lump-sum payout from your annuity or you can set up guaranteed payments for a specific duration of time or the rest of your life so that you have a steady income post retirement.

 

One such annuity plan that will help you enjoy your golden years of retirement is Edelweiss Tokio Life – Immediate Annuity Plan it is a traditional non-participating non-linked annuity plan that helps you plan your retirement  with guaranteed annuity benefit. You get to choose from multiple options as per your requirements. You can pay only once and avail immediate annuity benefits for lifetime. It also provides an option of annuity benefits for both – you and your spouse and an option to receive annuity benefits in yearly, half-yearly, quarterly or monthly instalments. There are various annuity options you can choose from like Return of Purchase Price where there is both survival and death benefit – you get a life time annuity payout at a constant rate and after the death of the policy holder the purchase price will be payable to the nominee. Life Annuity Increasing at a simple rate of  3% p.a. or 5 p.a. . Joint life annuity plans are also available like;

 Joint Life, Last Survivor:

1. If Primary and Secondary Annuitant, both are alive: 100% of annuity payoutis provided at a constant rate
2. Primary Annuitant is alive and Secondary Annuitant is dead: 100% of annuity payout is provided at a constant rate
3. Primary Annuitant is dead and Secondary Annuitant is alive: 100% of annuity payout is provided at a constant rate
4. Primary Annuitant and Secondary Annuitant are dead: Nil

Joint Life, Last Survivor with 50% annuity

1. Primary and Secondary Annuitant, both are alive: 100% of annuity payout at a constant rate
2. Primary Annuitant is alive and Secondary Annuitant is dead: 100% of annuity payout at a constant rate
3. Primary Annuitant is dead and Secondary Annuitant is alive: 50% of annuity payout at a constant rate
4. Primary Annuitant and Secondary Annuitant are dead: Nil 11. 

   Joint Life, Last Survivor with Return of Purchase Price on Last Death:

a. Survival Benefit: 100% of annuity payout at a constant rate till the lifetime of the last survivor

b. Death Benefit: Purchase price will be payable to the nominee/legal heir on the death of last survivor.

There is also additional benefit for higher purchase price. With so many advantages an immediate annuity plan is a good solution for financial independence post retirement and the options and benefits provided by Edelweiss Tokio Life – Immediate Annuity Plan  makes it sound lucrative and can be shortlisted when you consider opting for an annuity plan.

With the golden opportunity to invest in Indian equity markets presently, retail investors are very much interested to take the opportunity and earn some profits out of it. But this investors are confused about picking the right stock, whether to pick large cap, mid cap or small cap. If you want good returns than you have to take some risk and returns would be very good.So lets invest in Midcap where returns are high with some risk. With some research I found a good stock  known as Kushal Tradelink Limited which is a private limited company with the main object of dealing into various types of papers viz. Kraft, Duplex, News print waste, Cromo Art Paper etc.

Company is listed on  BSE exchange in B group soon will be listed on NSE as all formalities are in process.  Stock is trading actively with over 10 lac shares average daily volume, stock price has risen consistently and have never fall even Rs. 10 from its high price at any point of time, company have declared interim dividend twice 40% in January 2016 and 60% in  March 2016 respectively. Company have 3 giant paper mills in Gujarat as well as corporate house, wholly owned subsidiary in Singapore and  in Ajman(UAE) subsidiaries are involved trading of physical agricultural, chemicals, paper waste and metals trading.

For providing a helping hand to the society ,the company is going to start CSR activities.

Activities which may be included by companies in their Corporate Social Responsibility Policies Activities relating to:— (i) Eradicating extreme hunger and poverty; (ii) Promotion of education; (iii) Promoting gender equality and empowering women; (iv) Reducing child mortality and improving maternal health; (v) Combating human immunodeficiency virus, acquired immune deficiency syndrome, malaria and other diseases; (vi) Ensuring environmental sustainability; (vii) Employment enhancing vocational skills; (viii) Social business projects.

By this step ,it shows that the company is not only focused on profits but also participating in welfare of the society.

The stock is fairly price low.The 1 year price to earning is 218.73 the minimum pricing is 54.86,medium 111.89 and maximum 218.73 it means the share has a capacity to do at 218.73.The 1 Year price to book is 23.85.the minimum 5.98 ,medium 12.20 and maximum 23.85.The earning yield (EBIT/enterprise value) is 0.90% and PEG (Price/Earnings to growth ratio)is 1.49.The compare to peers company the company look good turnaround in sales and profit the company as growing day by day with good amount of sales. Kushal Tradelink has reported a sales total income from operations of Rs 67.08 crore and a net profit of Rs 1.40 crore for the quarter ended Sep ’15 and  Kushal Tradelink has reported a sales total income from operations of Rs 89.58 crore and a net profit of Rs 2.39 crore for the quarter ended Dec ’15.the comparison of stock with peers.

Name	Last Price	Market Cap.	Sales	Net Profit	Total Assets
		(Rs. cr.)	Turnover
Pudumjee Paper	15.45	146.7	—	0.01	1.02
Rainbow Papers	12	127.46	559.01	24.44	1,319.24
Genus Paper	4.8	123.42	288.61	9.6	367.16
Pudumjee Pulp	18.2	74.62	291.48	20.27	255.38
Star Paper	37.65	58.77	271.3	15.54	60.76
Shreyans Ind	31.5	43.55	369.52	9.8	130.84
Malu Paper	11.9	20.3	230.82	1.87	116.62
Pudumjee Ind	9.2	16.56	157.05	1.66	116.06
Sirpur Paper	8.2	13.93	423.04	-90.98	367.67
Servalakshmi	3.15	13.58	179.82	-42.1	231.6
Magnum Ventures	2.95	11.09	222.72	-73.32	358.36
Kushal Trade	125.6	1,490.03	263.61	4.67	119.99

 

Turnover and profits for Sep and Dec quarter published on BSE does not include turnover and profits of its subsidiaries .So when profits of subsidiaries are visible on Consolidated  Annual balance sheet it will change P/E  and Book value of the company , so these in turn will increase Investor participation and increase demand of stock which in turn will increase the price of stock and it’s a good opportunity to invest in these stock.

So going through all analysis we can conclude that Kushal Tradelink  is one of the best Midcap stock to invest and earn a good amount of profit.

On 17^th May 2008 morning, India once again woke up to dreadful news of a teenage girl being murdered at her residence. The girl was daughter of a dentist couple, Dr. Rajesh Talwar and Dr. NupurTalwar. The family lived in an apartment in Sector 25 (JalvayuVihar) of Noida, Uttar Pradesh . At mere age of fourteen, the victim was forced to leave the world even before her life was started. Her parents were a working couple, leaving behind her daughter with a domestic help to take care of her daily chores. As the incident came to light,the first suspect identified by cops was Hemraj Banjare who was serving as domestic help at the Talvar’s residence.

But the shocker was yet to come. The following day police found partially decomposed dead body of Hemraj  on the terrace. Hence the case infamously got the name of Noida double murder case. The case aroused public interest as a whodunit story, and received heavy media coverage.Based on this dreadful event, Vishal Bharadwaj has come up with a bollywood movie named as Talvar (Click here to watch Trailer) which depicts the whole plot and unfolds how events took place at that time.

What followed next were numerous stories which not only confused the local cops but forced them to hand over the case to CBI for further investigations. On the night of 15-16 March 2008, Shruti Tandon (Ayesha Parveen), a 14-year girl is found dead at her home in Sameer Vihar of Noida. The family’s missing domestic help Khempal is initially sought as a suspect. However, the next day, his dead body is found on terrace of the building. The police suspect that the girl’s parents, Ramesh (Neeraj Kabi) and Nutan (Konkona Sen Sharma), to be the murderers. On 25 March, the Noida police arrest Ramesh Tandon for the two murders. On 1 April, the state’s Chief Minister Malawati hands over the case to CDI, the country’s elite investigating police agency.

The CDI detective Ashwin Kumar (Irrfan Khan) holds contempt for the sloppy first responders who botched the initial crime-scene investigation. He believes the parents to be innocent, and methodically builds a case against the father’s resentful assistant. His team uses narco tests, attempting to prove that the assistant and his two accomplices committed the murders. On 22 June 2008, he officially exonerates the parents, and Ramesh Tandon is released from the jail. The narrative also briefly discusses the dissolution of Kumar’s marriage.

On 9 July 2008, CDI hands over the case to a new probe team. Khan’s new superior refocuses the investigation on the parents as the suspects. On 20 February 2011, CDI files a closure report in Ghaziabad court, naming parents as the prime suspects, but states that the evidence is insufficient to initiate prosecution. On 15 March, the Tandons file a protest plea opposing CDI’s report. On 25 March, the judge rejects the closure report and makes the parents an accused in the case. The trial begins on 8 June 2012. In the final act, rival camps with opposing hypotheses then make their cases before a judge. The Tandons are convicted for the murders on 26 November 2013.

The mystery case is very well put up in the movie, which is written by reknowed Vishal Bharadwaj and directed by MeghnaGulzar. The film stars Irrfan Khan, KonkonaSen Sharma, NeerajKabi and Sohum Shah in leading roles and Tabu in a guest appearance. The film is produced by Junglee Pictures, the films division of The Times of India Group. Full marks goes to the actors for putting up a splendid performances which keeps us involved in the movie and also credits to the director for depicting the sequence of events very well.

You can see Making of Talvar at Youtube

I would like to conclude by saying that please go and watch this very well directed suspense thriller which would be no less of entertainment.

TodayBharti  AirtelIndia’s No.1 service provider in telecom industry have made revolution in India’s telecom Industry by starting 4G services. Airtel launched 4G services in 296 towns across India, following the successful trial of services in select cities and the feedback received from customers..It also launched  before the much awaited 4G services by  MukeshAmbani-owned Reliance JioInfocomm
People  were also anxious in knowing what charges would companies charge for 4G services, will it be very costly?.But to surprise Airtel has kept the charges same as 3G charges with data packs starting at Rs 25. 4G services are provided across a range of smart devices including mobile phones, dongles, 4G hotspots
and Wi-Fi dongles. It is also offering unlimited music downloads on ‘Wynk Music’ and five free movies per month for six months on the Eros Now channel of ‘Wynk Movies’.
Airtel has also launched Flexpage that allows customers to check their data usage and get real time usage alerts. With Flexpage, customers can also upgrade their mobile plan instantly, as and when they exhaust their monthly data limit. Under this platform, customers can opt for4G data plans, with prices starting from Rs 100. To get 4G services ,customers need to swap their Sim with 4G sim at Airtel stores or also at Samsung retail stores. For postpaid customers they are providing 4G Sim at customers doorstep and  that also for free. Customers can also request  4G sim online at www.airtel.in/4G.Airtel also introduced ‘Infinity Plans’ starting at Rs.999. Under this plan customers can enjoy unlimited voice calls along with data benefits and access to Wynk Movies and Wynk Music apps.

Now people can enjoy high speed internet on their smartphone without any hassle .Thanks to airtel for initiating this services. People were eagerly waiting to try their hands on 4G speed and check whether does their phone really support 4G .

Press Release:

 

Kabaddi is a sport of sheer strength and power by the players. In this game, to rule the opponents out of the game, players whole hearted efforts are required. This causes a lot of injuries to the players. These injuries should be treated well so that the player can play the whole season of the league.

 

A no. 1 used pain releiver, Volini of Sun Pharma announced its association with one of the Pro Kabaddi League teams Patna Pirates. This marks the second association of this modern day pain reliever after partnering with Marathon number of times. This partnership will be a good association to the Kabaddi players, because players are hardly able to play games after injuries.

 

A scientifically formulated Volini for effective pain relief. It is basically available in two forms Volini spray and ointment. Both of them having equal effect and excellent pain reliever. Physiotherapist all over India recommend Volini for pain related disease like sprain and pull of muscle or tearing of muscles.

 

Pro-Kabaddi league is an excellent initiative to get this ultimate sport viewers from different part of the country. After a fantastic first season, this season will be full of excitement. This partnership of Volini with the Pro-Kabaddi team, Patna Pirates, will ensure an excellent pain relief management of the players. The sports scientist of India Shyamlal Vallabhjee is also being nominated by the Volini partners to travel with the team while the whole league which is an excellent initiative.

 This association event was held at ITC Parel,  Mumbai where Volini Vice President and Health Global Consumer Healthcare of Sun Pharma, Subodh Marwah,announced the partnership with the Patna Pirates.Kabaddi will definitely be a different game all together when injuries won’t be a part of the game.

Patna Pirates will be at their best when they will be free of pain and injuries. So look out for Patna Pirates in this season and cheer them for the outstanding association and initiative which will inspire any other teams. Le Pangaaaa!!!!!!