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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-46152276612072606622018-03-18T23:41:00.001-07:002018-03-18T23:41:18.588-07:00Beauty Magazine<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Verdana, sans-serif; font-size: large;">Total Beauty: Makeup, Skin Care & Hair</span></h1>
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<span style="background-color: white; text-align: center;"><span style="font-family: Verdana, sans-serif;">Perfect your routine with the latest hairstyles, hair color ideas, makeup tips and skin care how-to’s that will up your beauty game. Find inspiration to try something new or discover celebrities' best kept beauty secrets. Our beauty advice is made to help you create everything from timeless looks to the hottest trends. </span></span></div>
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<span style="background-color: white; font-size: 14px; text-align: center;"><span style="font-family: Verdana, sans-serif;">Discover the hottest trends and makeup tutorials for every look. Find out how to apply makeup like a professional. Our beauty experts can teach you helpful makeup tips and tricks you can use for any occasion. From classic and natural to bold and dramatic, you can create your perfect look.</span></span></div>
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Hair Style</h2>
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Pro Ideas For Your Unique Look</h2>
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<span style="background-color: white; font-size: 14px; text-align: center;"><span style="font-family: Verdana, sans-serif;">Turn these beauty secrets into beauty essentials. Complete your look, from hair to makeup with help from top celebrities and beauty experts. Check out a quick makeup tutorial or learn how to create a new head-turning hairstyle. We're sharing our favorite beauty tips and tricks so you can stay ahead of all the beauty trends. </span></span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com1tag:blogger.com,1999:blog-8235750641851693861.post-1359065680963709362018-03-16T22:38:00.000-07:002018-03-16T22:38:06.895-07:00Know & Follow Hindu Dharma A resource for scientific information on Hindu Dharma<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: large;">Introduction</span></h2>
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<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, Georgia, sans-serif; text-align: justify;">The first Holy festival which marks the beginning of the New Year, new month and new day for the Hindus falls on Chaitra Shukla Pratipada. It is known as Gudhi Padwa (Maharashtra), Ugadi (Karnataka, Andhra Pradesh). [In other parts of country it is celebrated during Nau Roz (Kashmir), Baisakhi (Punjab), Cheti Chand (Sindhi), Naba Barsha (Bengal), Goru Bihu (Assam), Puthandu (Tamil Nadu), Vishu (Kerala)] On this very day Lord Brahma created the Universe. Therefore for Hindus, this day carries special importance. The day is celebrated with an auspicious bath, followed by decorating the doorway with a ‘toran’, performing ritualistic worship and hoisting the Dhwaja or Gudhi.</span></div>
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<b style="color: #333333; font-family: Arial, Helvetica, Georgia, sans-serif; text-align: justify;"><span style="font-size: large;">Celebrate New Year only on Gudi Padwa!</span></b></div>
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<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, Georgia, sans-serif; text-align: justify;">Presently in Bharat New Year is being celebrated on 1st January as per the Western calendar. Celebration on the eve of the Western New Year includes a lot of malpractices like indulging in eve teasing after drinking, etc. So, instead of beginning the New Year on an auspicious note it begins unpleasantly. To ensure that the beginning of the New Year begins on an auspicious note celebrate it according to the Hindu scriptures, on Chaitra Shuddha Pratipada as per the Hindu lunar calendar, as this date is glorious in all ways – as per the cycle of Nature and it also has historical and spiritual significance. All this contributes to endowing the one celebrating it as per the Hindu scriptures with several benefits. It is the duty of each individual to arrest the loss being caused to the society by emulating the Westerners. </span></div>
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<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, Georgia, sans-serif; text-align: justify;"><b><span style="font-size: large;">Hindus! Strive to prove the superiority and eternity of Hindu Dharma!!</span></b></span></div>
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As we approach Gudi Padwa, Hindus must take stock of the direction in which they are heading. Sanatan Dharma is important not only from a Hindu viewpoint, but also from the viewpoint of human culture. Hinduism supports the ideology of multiple deities. The concept of multiple deities itself has made human beings tolerant. Even then we come across Hindus who question, ‘What is the need for so many deities?’ Such Hindus do not take any action against those who attack Hinduism or Dharma incessantly in all forms. Such Hindus were sleeping when Christianity was being propagated at the Tirupati temple. Even when the Islamic terrorist activities are posing a constant danger, we find politicians being partial to Muslims in every possible way. Even this does not seem to disturb these Hindus. They are asleep even when the Government is busy enforcing the ‘Temple Takeover Act’, so that it can control all temples and subsequently loot them. </div>
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Hindus seated in important posts find it so imperative to maintain the moods of their so-called ‘secular’ bosses that they don’t even feel the need to talk about the tyranny faced by Hindus. Even the ousting of Kashmiri Hindus does not awaken their conscience. A society, which does not have even this much morality left, is fit for extinction. This is the future for such ‘Janma-Hindus’ (Hindus only by birth, not by action). Thus, be sure that the coming year has more blows in store for the few existing alert Hindus. Hence, these Hindus should get ready to bear and at the same time even to face these blows. They should mentally prepare themselves for the ensuing struggle necessary for the survival of Dharma during the dark hours. The time has come when we have to prove the superiority and the eternity of the values of Dharma through struggle. </div>
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<span style="font-size: large;">Science in the worship of the Gudi</span></h2>
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The divine consciousness emanating during sunrise, absorbed at that time lasts longer. Thus the Gudi should be worshipped within 5-10 minutes after sunrise! </div>
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On Gudi Padwa, the waves consisting of the fire element (Tej tatva) and the creative element (Prajapati element) are activated on a large scale. The divine consciousness emanating during sunrise, absorbed at that time lasts longer. This consciousness is stored in the body cells and used as required. Hence the Gudi should be worshipped within 5-10 minutes of the sunrise. </div>
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<b><span style="font-size: large;">Method of raising the Gudi</span></b></div>
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<strong>Position of the Gudi:</strong> Care should be taken to raise the Gudi next to the main entrance of the house. The spot selected should be on the right side (when sighted from the house) of the entrance. The right side symbolizes active state of the soul. </div>
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1. The place for raising the Gudi should be cleaned and then a Swastik rangoli should be drawn on the ground. Turmeric and vermilion (Haldi-kumkum) should be offered at the center of the Swastik. </div>
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2. While raising the Gudi, the ‘Shiva-Shakti’ element in the Universe should be invoked. This enables all the constituents of the Gudi to accept divine elements. </div>
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3. The Gudi symbolizes the ‘Sushumna nadi’ of our body. Hence, the Gudi should be raised at the entrance. And it should be kept tilted at an angle. – A Scholar. </div>
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<span style="font-size: large;">Prayer</span></h3>
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<span style="background-color: white; color: #333333; font-family: Arial, Helvetica, Georgia, sans-serif; text-align: justify;">‘O Lord Brahma, Lord Vishnu! Please enable me to absorb the elements of creation, fire and Sun present in the atmosphere. Let the Divine consciousness present in these elements be preserved constantly. Let the energy thus received, be used for my spiritual practice.’</span></div>
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<span style="font-size: large;">Celebration of Gudi Padwa</span></h2>
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Ablution with oil (abhyangasnan) – an auspicious bath: On this day one should wake up early in the morning and take an oil bath. With an ordinary bath the raja and tama components decrease by 1/1,00,000 % and the sattva component increases by the same amount for a duration of only three hours. However with an oil bath it lasts for four to five hours. An oil bath consists of an oil massage to facilitate the absorption of oil by the skin followed by a warm water bath. Oil should be applied to retain the elasticityof the skin. Warm water is auspicious and pleasing to the body. Bathing after an oil massage retains only that amount of oiliness that the skin and hair require. Hence an oil massage is necessary before a bath. Application of oil after a bath is inappropriate.</div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-68542971735144762102018-03-16T02:31:00.000-07:002018-03-16T02:31:20.046-07:00Women at greater risk of heart attack than men<div dir="ltr" style="text-align: left;" trbidi="on">
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Cardiovascular disease (CVD) is thought of as a man’s disease, but this isn’t true. In fact it’s the number one leading cause of death in Indian women and the risk is eight times greater than that of breast cancer.</div>
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Another misconception is that CVD occurs above the age of 50, nowadays people in their early 30’s and living in the city are extremely susceptible to a sudden onset. Whatever age a woman is at it’s time to begin taking proactive measures for a strong and healthy heart.</div>
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Though it is true that women have a lesser risk to CVD it’s only before menopause. The natural production of estrogen in women protects the heart, delaying the risk of having a heart attack by 10 to 15 years later than men.</div>
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After menopause the significant drop in estrogen puts women at a much greater risk than men. Women whose menses began before the age of 11, or became menopausal at the age of 47 or below are at greater risk of a heart attack, so are women who have recurrent miscarriages.</div>
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About 12% of people that have a heart attack in India are below the age of 40, which is double the number in the West. City life puts people at 3 times the risk due to lack of excursion which results in diabetes, obesity, high blood pressure and many other factors which are stronger causes of heart attack in women than in men.</div>
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South Asian women are at great risk of cardiovascular disease as they are unlikely to receive timely intervention as compared to men. South-Asian women tend to be lax when it comes to taking care of themselves, as the age old adage of putting the family first and foremost is carried forward through centuries.</div>
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Women of our nation have the habit of brushing pain aside, after all the greatest pain felt by a woman is during the birth of a child and comparatively everything else is ‘discomfort’.</div>
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The biggest problem is the lack of awareness that heart disease in women doesn’t always manifest itself as it does in men; often times there is no conventional angina pain on the left arm or left chest that occurs. The symptoms of heart disease in women could be pain in the jaw, back pain, or trouble breathing which could be ignored as something trivial; even if she goes to a clinic or hospital there is a chance of it being overlooked by a doctor.</div>
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Cardiovascular disease is preventable and corrective measures should be taken immediately. Regular checkups of cholesterol levels, removing all trans-fats, taking alcohol in limited amounts, and exercising regularly for 30 minutes a day can prove to be mighty beneficial.</div>
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Focus on diet is the greatest boon, taking a good daily amount of fruits and vegetables, dried nuts, and good cholesterol producing fats can provide multiple benefits. These preventative measures can combat multiple diseases such as the commonly plaguing thyroid, diabetes and high blood pressure. Simple yet life-changing alterations to diet and lifestyle will not rob a child of a mother, and a husband from his beloved wife.</div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-20687136401377346902018-03-16T02:12:00.002-07:002018-03-16T02:12:37.586-07:00Making the child too ambitious is dangerous.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">This is perhaps one question that starts from when we were children, and will continue even after we become aged. Did we create name and fame for ourselves in the world? We are witnessing a new trend where even aged people are not spared; they are advised to continue working so as to fulfil their yet-unfulfilled ambitions. Several websites and counselling centres have sprung up, to train professionals towards fulfilling their life’s ambitions and desires.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Each child is nurtured by the goal of ambition through parents and society – the message is dinned into their heads that they need to become ‘something’ or ‘someone’ important and useful. The child has to prove that he has some worth, by bringing in gold medals, whether it is in sports, music, dancing or debates. There is no respite, for this fire of ambition is lit and stoked even well into adulthood, </span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">middle age and now even in old age.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Ambition means a conflict; ambition means that whatsoever you are, you are wrong; you have to be somewhere else.</span><span style="background-color: white;"><span style="color: #2b2b2b; font-family: Lato;">Instead of making the child ambitious about reaching the top, parents and society need to recognize the child’s talents, qualities and potential, and nourish these in an atmosphere that encourages individuality.</span></span><br />
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<span style="background-color: white;"><span style="color: #2b2b2b; font-family: Lato;">All that the child needs from parents and society is a deepening of innocence and if a child grows with his centre blossoming, you will have, for the first time, a society of the Buddhas, the awakened ones, a society of culture.</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Existence is not making a child ambitious; it is our misplaced social conditionings. Every child is unique. There is nothing to become, nothing to achieve. Let individuality in the child grow. Acknowledge the potential within the child and help it to blossom to its full potential.</span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-66987393443302931142018-03-15T03:35:00.002-07:002018-03-15T03:35:56.381-07:00Beauty Essentials Every Woman Should Own.<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><span style="background-color: white; font-family: lorabold; font-size: 25px; text-align: justify;">CONC</span><span style="background-color: white; font-family: lorabold; font-size: 25px; text-align: justify;">EALER</span></b></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px;">Instead of losing sleep over dark circles, moaning over every zit and redness, it’s time to learn the magical art of concealment! Masking minor imperfections like the odd blemish and an uneven skin tone is the key to flaunting a flawless complexion at meetings, the boardroom, the classroom or over brunch. End your search for your newest BFF right here. We love Maybelline New York Fit Me Concealer</span><span style="background-color: white;"><span style="color: #444444; font-family: latoregular, serif;"><span style="font-size: 17px;"> for minor imperfections and L'Oreal Paris True Match Le Crayon Correcteur</span></span></span><span style="background: rgb(255, 255, 255); color: #444444; font-family: latoregular, serif; font-size: 17px; font-weight: 700; margin: 0px; outline: none; padding: 0px; vertical-align: baseline;"><a href="http://www.nykaa.com/l-oreal-paris-true-match-le-crayon-correcteur.html?utm_source=beautybook&utm_medium=bb175&utm_campaign=Tenbeautyessentialseverywomanshouldown" style="background: transparent; border-bottom: 1px solid transparent; color: #050000; line-height: inherit; margin: 0px; outline: none; padding: 0px; text-decoration-line: none; transition: background-color 0.2s ease 0s, border 0.2s ease 0s, color 0.2s ease 0s, opacity 0.2s ease-in-out 0s, box-shadow 0.2s ease-in-out 0s; vertical-align: baseline;" target="_blank"> </a></span><span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px;">to cover larger blemishes like dark circles.</span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">It’s the ultimate pick-me-up on days you have to drag yourself out of bed feeling anything but bushytailed and bright eyed. This humble beauty product may have been outshone by the bright lip and the cat eye but never underestimate its power to make your face brighter in a flash. Just take care to pick a shade that matches the color of your cheeks when you have a natural flush. Prone to breakouts? Choose a powder formula like Faces Glam On Perfect Blush. </span><span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">Clear skinned beauties should opt for a stain or creamy formula like Makeup Revolution Makeup Revolution Vivid Blush Lacquer.</span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>RED LIPSTICK</b></span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">Like your favorite scent, every girl needs a red lipstick that pretty much covers all the bases. Makes you look sorted and confident at important meetings, adds necessary glamor to a party look and generally makes you feel like a million bucks. Take your pick of fire engine red, cheery cherry, smoldering cinnamon or happy candy apple. Just pick a shade that suits your complexion best. For more pointers on how to pick your red.</span><span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">Then sit back and enjoy the envious glares that come your way.</span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>MASCARA</b></span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">If anything can make you look instantly glam and ready to face the day, it’s mascara. Despair not if your natural lashes are not show-stopping worthy. Fake a long, curly, sweeping, thick or voluminous fringe thanks to a dizzying array of formulas at quick reach. Take your lashes from sparse to stunning in 30 seconds flat by just swiping on a few coats of mascara. For long, luscious lashes try Maybelline New York Magnum Barbie Mascara. </span><span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">For curls made in heaven give Lakme Eyeconic Curling Mascara </span><span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">go.</span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">We’re always shocked by the number of women who declare they’ve never used sunscreen! This despite the fact that the dangers of sun exposure are well documented, from sun spots and darkening to wrinkles and photo aging. The reason they cite is the way it feels. But unlike earlier sunscreens that were greasy and heavy, the new gen formulas are lightweight and pack a bunch of skin benefits too. From moisturizing, skin lightening and nourishing to doubling up as foundations, you can now pick one that suits you best. </span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>BB CREAM</b></span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">How on earth did we manage without it? They’ve been around a while but they’re still the biggest, best things in beauty. Why do we love them? Let’s count our reasons. Lightweight coverage that builds like foundation? Check. Stays in place even when we’re sweating buckets? Check. Skincare benefits? Oh yeah! How can anything that makes our skin look flawless and works from within to make our complexion perfect be anything but absolutely essential? This is double-duty beauty at its best! </span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>DRY SHAMPOO</b></span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">Busy gals need miracles. Like bouncy, freshly washed looking hair minus a shampoo. Enter dry shampoo that buys you precious minutes when a shampoo-blow dry is just not an option. The powder formula absorbs excess oil, dirt, product build up and odor to freshen up your look without a drop of water.</span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>FACE AND HAND WIPES</b></span></div>
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<span style="background-color: white; color: #444444; font-family: latoregular, serif; font-size: 17px; text-align: left;">You’re sweaty and grimy. You are too tired to take your makeup off. You’ve spent hours on public transport, holding on to grubby rails. Facial wipes and hand wipes are life savers you simply have to keep handy. Sleeping in your makeup is an absolute no-no and the worst thing you can do to skin (besides eating junk and smoking). And keeping hand wipes handy is the best way to stave off germs that can cause colds and infections. </span></div>
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<span style="background-color: white; font-family: lorabold; font-size: 25px;"><b>HAIR MASK</b></span></div>
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<span style="background-color: white; font-family: latoregular, serif; font-size: 17px; text-align: left;">We know you’re busy but spare a few minutes every month to lavish some TLC on your strands with a deep conditioning spa treatment. We especially love </span><span style="background: rgb(255, 255, 255); font-family: latoregular, serif; font-size: 17px; margin: 0px; outline: none; padding: 0px; text-align: left; vertical-align: baseline;">Organix Quenched Sea Mineral Moisture Surge Deep Treatment</span><span style="background-color: white; font-family: latoregular, serif; font-size: 17px; text-align: left;"> that nourishes dry and damaged hair, seals split ends and makes your strands healthier and lustrous. </span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-74056240590791679352018-03-14T23:46:00.000-07:002018-03-14T23:46:20.657-07:00Invincible Stephen, a symbol of hope and humility.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Stephen Hawking taught us that the universe runs on hope and humility. In this world of extremities, hate and arrogance, he was a symbol of hope and victory of human perseverance over helplessness and defeat.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">He was good, often referred as “Einstein” in early school days but was not described as exceptionally brilliant. His father was head of the parasitology division at the National Institute for Medical Research. His family consisted of his parents, two sisters and an adopted brother. They were often regarded as a ‘senile’ family who would silently keep reading books even during supper! At 17, he was admitted to University College, Oxford and his physics tutor, Robert Berman, later said, “It was only necessary for him to know that something could be done, and he could do it without looking to see how other people did it.”</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">But life had something difficult in store. He got married, had three children and was diagnosed with motor neuron disease, commonly known as Lou Gehrig’s disease or amyotrophic lateral sclerosis (ALS). It was catastrophic and the end of everything he planned seemed so near.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">But that did not dampen his spirits and even though the doctors predicted that he may not live more than two years, he lived much longer and introduced us to the finest books based on the concept of time, cosmos, applied mathematics and theoretical physics. Television series like Brave New world, Master of Universe, Theory of everything, and his best seller book- A Brief History of Time showed us that he was a great thinker, a fighter who defeated despondency and emerged as a winner.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Hawking was a symbol of hope and humility to millions across the world. He became a great source of inspiration, strength and willpower to those who lacked something and felt depressed. Hawking was proof that difficulties in life can be overcome if you have the will to move on.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Hawking must inspire us Indians to focus diligently and with a heart to facilitate educational facilities for the specially-abled children in the country. A nation is not great because of its gigantic infrastructure and the highest GDP but because it has sensitive and humble leaders who care for the smallest segment of the society however politically insignificant they might be.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">These lines by Stephen Hawking must be taught in every school in our country- “My advice to other disabled people would be, concentrate on things your disability doesn’t prevent you doing well, and don’t regret the things it interferes with. Don’t be disabled in spirit as well as physically”.</span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-37524451570931220002018-03-13T22:16:00.000-07:002018-03-13T22:16:07.012-07:00A quota for women: This is one big idea awaiting implementation by the Modi government<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">For nearly a quarter of a century, every union government till the present one has unsuccessfully attempted to enact a women’s reservation bill for quotas in Parliament and state assemblies. The governments of Prime Ministers HD Deve Gowda, AB Vajpayee and Manmohan Singh each introduced the bill once or more.</span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Only the tenure of IK Gujral did not see such an attempt, but that was essentially a continuation of the same United Front government that had done so under Deve Gowda, with a change of PM. As the Modi government’s first term enters its last lap, the issue is again gaining traction. Will he give it a shot as well? What are the bill’s merits and, just as relevant, its political viability?</span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Though reservations in India have had a mixed track record, and continue to be a source of contentious politics, they have also played a role in challenging age old social barriers. Nevertheless, pleas to modify reservations, such as limiting it to one generation of beneficiaries, rigidly excluding the more affluent “creamy layer” among them, and exclusion from highly technical disciplines, are all worthy of debate.</span></div>
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<span style="background-color: white;"><span style="color: #2b2b2b; font-family: Lato;">Indian women’s lives are burdened by low literacy (59% vs a national average of 74%); even lower levels of financial inclusion (42% vs developed countries’ averages approaching 100%); and shockingly low participation in the workforce (only 28% compared to even South Asian neighbor Bangladesh’s 45%). Similarly, the percentage of women elected to Lok Sabha, at just under 12%, is about half the global average of 23%.</span></span></div>
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<span style="background-color: white;"><span style="color: #2b2b2b; font-family: Lato;">Quotas for women in local body elections have been in place for years. Observing the impact of that on the ground is eye opening. On the one hand, many a woman sarpanch or Zilla Parishad member is just a rubber stamp, with a male relative wielding the real authority. I have personally witnessed, on the other hand, several such elected women come into their own, handling the hourly burly of politics themselves, and with aplomb. Such women are influencing others, and changing societal attitudes.</span></span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The rationale apart, the political will for it has never been enough to overcome opposition. Furthermore, Prime Minister Narendra Modi has been seeking transformational change through mega persuasion campaigns instead of by legislation, for example the exhortations of the Swachh Bharat programme, rather than emulating Singapore’s harsh punishments for littering. Presumably, PM’s similar exhortations on gender equity could be construed as his preferred alternative to quotas.</span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">But he is also known to spring surprises. And considering the potentially huge political benefits from co-opting a big women’s issue, it should not be ruled out. Despite the fact that it is UPA chairperson Sonia Gandhi who has again spoken up for it, this government has a demonstrated track record of pushing through, and thus gaining credit for, big ideas that had been gridlocked for decades.</span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-85303483577929935472018-03-13T22:08:00.005-07:002018-03-13T22:08:49.365-07:00Amazon ropes in Gaurav Gandhi to head Prime Video in India <div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white;"><span style="font-family: Verdana, sans-serif;"><i>In a high profile move, e-commerce major Amazon has roped in Gaurav Gandhi, currently head of Voot, as director and country manager - India for Prime Video. </i></span></span><br />
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<span style="background-color: white; font-family: Verdana, sans-serif;"><i>The position was vacant since the sudden exit of Nitesh Kripalani in August last year. Sources close to the development have confirmed to ET that Gandhi is expected to join Amazon in a couple of months. </i></span><br />
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<span style="background-color: white;"><span style="font-family: Verdana, sans-serif;"><i>Viacom18 confirmed on Monday that Gandhi has put in his papers after serving for 8 years. He had joined the company in March 2010 as chief commercial officer and head of international business. Later, he was named COO of India Cast, the distribution joint venture between TV18 and Viacom18. In August 2015, he was appointed as COO of Viacom18 Digital Venture, which launched the company’s on-demand over-the-top (OTT) service Voot. </i></span></span><br />
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<i><span style="background-color: white;"><span style="font-family: Verdana, sans-serif;">A seasoned media and broadcast executive, Gandhi has also had leadership roles at various companies including NDTV Imagine, Star India, Turner International India, and Madison Communications. </span></span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; font-family: Arial; font-size: 12px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /></i><span style="font-family: Verdana, sans-serif;"><span style="background-color: white;"><i>Gandhi was instrumental in taking Voot to the top 3 Video OTT services in India in terms of both monthly active users and time spent. He was not reachable for comments till filing this report. </i></span><br style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;" /></span><span style="background-color: white;"><span style="font-family: Verdana, sans-serif;"><i>At Amazon, he will replace Kripalani who had joined the e-commerce major in December 2014 as head of the instant video business and was involved in stitching deals with various Indian film production companies and content makers. </i></span></span><br />
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<span style="background-color: white;"><span style="font-family: Verdana, sans-serif;"><i>Amazon Prime Video, which was launched in December 2016, witnessed a rapid growth in subscriber numbers, but at a very high cost as it invested heavily in exclusive movies, TV shows and stand-up comedy content. </i></span></span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-23360818639987033262018-03-13T00:21:00.001-07:002018-03-13T00:21:09.032-07:00Top 3 Shopping Trends Right Now<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: red;">TREND #1: Getting Personal</span></h2>
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<span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px;">“Right now, consumers have a need to personalize and be more individual and self-expressive, like when people buy bracelets with sayings on them,” says Sengstack. “We share so much of who we are on social media, so people want something that feels authentic to who they are and doesn’t feel the same as everybody else. You’ll find this at Avon with our</span><span style="background-color: white; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px;"> </span><a href="http://avon4.me/2ADYnQu" rel="noopener noreferrer" style="background: rgb(255, 255, 255); box-sizing: border-box; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin: 0px; padding: 0px; text-decoration-line: none; vertical-align: baseline;" target="_blank"><span style="color: black;">Cherished Memories</span></a><span style="background-color: white; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px;"> <span style="color: #333333;">and</span> </span><span style="background: rgb(255, 255, 255); box-sizing: border-box; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin: 0px; padding: 0px; text-decoration-line: none; vertical-align: baseline;">Precious Charms </span><span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px;">jewerly collections, which are all about telling your story through your jewelry.”</span></div>
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<span style="color: magenta;">TREND #2: Less That’s More</span></h2>
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<span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;">These days, people are wanting less stuff, but what they do want has to be more important or it has to work harder for them,” he says. That could take the form of a really amazing splurge, like this </span><a href="http://avon4.me/2iBdAcQ" rel="noopener noreferrer" style="background: rgb(255, 255, 255); box-sizing: border-box; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin: 0px; padding: 0px; text-align: left; text-decoration-line: none; vertical-align: baseline;" target="_blank"><span style="color: black;">fabulous fur vest</span></a><span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;">, from Avon’s Holiday collection. “At $110, it’s is a higher price point for us, but it is the kind of thing that totally makes your outfit and makes you feel completely confident,” he says. The trend also extends to versatile pieces that give you a lot of bang for your buck. “Velvet is a key trend for fall, and our </span><a href="http://avon4.me/2kwILdB" rel="noopener noreferrer" style="background: rgb(255, 255, 255); box-sizing: border-box; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin: 0px; padding: 0px; text-align: left; text-decoration-line: none; vertical-align: baseline;" target="_blank"><span style="color: black;">velvet top</span></a><span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;"> can be worn lots of different ways from casual to dressed up, depending on how you accessorize it,” he says.</span></div>
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<span style="color: orange;">TREND #3: Home is Where the Heart Is</span></h2>
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<span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;">“People are finding comfort in being at home with their families and close friends,” says Sengstack. “It’s less about going out to a restaurant or bar, and more about cooking dinner and entertaining more.” That means, you might be thinking more about special entertaining pieces for the table like a cheeky</span><span style="background-color: white; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;"> </span><span style="color: black;"><span style="font-family: NimbusSansNovus, Helvetica Neue, Helvetica, Arial, sans-serif;"><span style="background: rgb(255, 255, 255); box-sizing: border-box; font-size: 18px; text-align: left;">cheese board</span></span><span style="background-color: white; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;"> </span></span><span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;">or a festive </span><a href="http://avon4.me/2Bc5iU3" rel="noopener noreferrer" style="background: rgb(255, 255, 255); box-sizing: border-box; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; margin: 0px; padding: 0px; text-align: left; text-decoration-line: none; vertical-align: baseline;" target="_blank"><span style="color: black;">baking set</span></a><span style="background-color: white; color: #333333; font-family: NimbusSansNovus, "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; text-align: left;">.“Avon Living, our home entertaining and home décor collection, is about the product that gives you an idea that creates a moment that becomes a memory,” he says. “A copper mug may not be something you NEED, but it might give you the idea to make the fun Moscow Mule cocktail you have seen. Then, that becomes an experience you share and enjoy with family and friends and that mug made it more special and memorable.”</span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-75019829393768441862018-03-12T00:18:00.002-07:002018-03-12T00:30:42.936-07:00How to Lose Weight (Without Going on a Diet!)<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif;">If you want to lose weight without staying away from your favorite meals, you’ve got to eat less. This prevents you from taking in more calories than your body can burn. </span><span style="font-family: "verdana" , sans-serif;">So, how do you eat less? </span><span style="font-family: "verdana" , sans-serif;">Use smaller plates for your meals. It’s hard to serve small portions on large plates because we naturally love our plates full.</span><span style="font-family: "verdana" , sans-serif;">Drinking one or two glasses of water before eating also helps. This tricks your tummy into feeling full.</span></div>
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<span style="font-family: "verdana" , sans-serif;">You can also try eating using your non-dominant hand. If you’re left-handed, for instance, use your right hand. This way, you will eat more slowly and remain mindful of your meal.</span><span style="font-family: "verdana" , sans-serif;">Slow eating</span><span style="font-family: "verdana" , sans-serif; text-align: start;"> can help you feel fuller faster. The faster you feel full, the higher your chances of kicking that plate away.</span></div>
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How About Eating with a Partner?</h2>
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<span style="font-family: "verdana" , sans-serif;">Our partners can influence our eating habits.But, the biggest beneficiaries of this weight loss hack are ladies.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Well, if you’re a lady, you want to cut the image of a delicate and soft person, especially when you’re in the company of men. Can we agree smashing a plateful of food in their presence isn’t good for your image? Right, you get it!</span></div>
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Dinners Out? Stay Away</h2>
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<span style="font-family: "verdana" , sans-serif;">An average restaurant meal contains about 1200 calories. Worse, 92 percent of restaurant meals are high-calorie meals.</span></div>
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<span style="font-family: "verdana" , sans-serif;">This is bad news, especially when you’re trying to decrease your calorie intake in order to lose weight.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Perhaps you are thinking, “Well, I can go for a dinner out and have a small bite!”</span></div>
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<span style="font-family: "verdana" , sans-serif;">Let’s be honest: Nobody goes out for dinner to have a small bite, particularly if you’re out with friends.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Can you afford sitting there as they sample chunks of exotic steak? My guess is you will start with a bite and before you know it, you’ve taken a whole plate.</span></div>
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<span style="font-family: "verdana" , sans-serif;">However, you can still have occasional dinners out. Just be disciplined, and be sure to go out with people who’re also committed to losing weight.</span></div>
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Combine Your Diet Efforts with Physical Activity.</h2>
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<span style="font-family: "verdana" , sans-serif;">To get the best out of your new dieting style, combine it with some physical activity.No, you don’t have to hit the gym like a fitness maniac.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Start simple. Jog or bike around the neighborhood, walk to the park, join a dance class or go swimming.</span></div>
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In Conclusion..</h2>
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<span style="font-family: "verdana" , sans-serif;">Going on diet is challenging and it has its disadvantages.</span></div>
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<span style="font-family: "verdana" , sans-serif;">If implemented incorrectly, it can cause a decrease in body metabolism, extreme hunger, loss of macronutrients and dehydration.</span></div>
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<span style="font-family: "verdana" , sans-serif;">You don’t have to risk all that. With these weight loss secrets, you can shed those pounds without sticking to a diet plan.</span></div>
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<span style="font-family: "verdana" , sans-serif;">What’s your take on losing weight without going on diet? We’d love to hear your thoughts!</span></div>
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<a href="http://www.kaamkhoj.co.in/"><span style="font-size: small;">http://www.kaamkhoj.co.in/</span></a></h2>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-60631415300783302402018-03-11T23:37:00.003-07:002018-03-11T23:37:32.184-07:00Fight now or remain dumb forever!<div dir="ltr" style="text-align: left;" trbidi="on">
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<em style="box-sizing: border-box; max-width: 100%;"><span style="color: red;">We need to consciously fight back the dumbing down effects of technology on our brains!</span></em></div>
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It has started to happen. Increasingly one sees people fumble to remember names, and then check phone lists in a panic.</div>
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It goes like this… You refer to someone who is, let’s say, an author. You stop because the name is mysteriously escaping you. You look up and left (a sign of tapping memory) or close your eyes (my way to recall), fumble a bit and then whip out your cell phone with an embarrassed and panicky look. A few clicks and scrolls, and <em style="box-sizing: border-box; max-width: 100%;">ahhh</em>… <em style="box-sizing: border-box; max-width: 100%;">of course</em>, here’s the name! How could you have forgotten?</div>
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Sounds familiar? I bet it does. And I bet your phone list is organized according to a person’s profession or company to aid memory. For you have realized that though you may forget a person’s name, you may still recall what he or she does, or in what context you met them. So in your phone list you will have categorized people as Doctors, Journalists, Ambassadors, Bankers, Beautician, <span style="box-sizing: border-box; max-width: 100%;">Sabziwaala</span>, Tailor, Massage lady, Spa, Maid, Driver, etc.</div>
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Human intelligence and attention spans are going for a toss as our reliance on cellphones and the internet increases. We are becoming poor thinkers and our brains learning to be lazy. We do not need studies to prove this, though several studies have done so. Just ask yourself – How many numbers have you committed to memory? Do you recall your children’s cell numbers? Your mom’s? Do you walk into a room and forget what you came for? Do you get so distracted by the beep of your cellphone that you miss bits of a conversation?</div>
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Cell phones are wrecking our memory. It is scary to think that human memorization may become obsolete in the near future! Digital amnesia, as it is termed is a critical problem already. The memory capacity of younger generations is degenerating. Our short attention spans don’t allow us to properly form and retain memories as we tend to treat devices as the external hard disks of our brains.</div>
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Before the advent of smart phones we were proficient in navigating our way around the city. Today technology navigates for us. We used to remember birthdays, important meetings, seminars, talks and family occasions. Today we rely on reminder tones to get us going.</div>
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Technology keeps our brains underutilized by giving us quick information and keeping us distracted. So our thinking tends to be superficial and unprocessed because of the next beep that demands attention. So, the obvious way to counteract the dumbing effect of technology is to keep our brains working and engaged.</div>
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<li style="box-sizing: border-box; max-width: 100%;">Keep away the cell-phone for a few hours every day as a discipline.</li>
<li style="box-sizing: border-box; max-width: 100%;">Consciously try to memorise things, even if car numbers during your drive.</li>
<li style="box-sizing: border-box; max-width: 100%;">Look around while driving and try to memorise landmarks and names of streets rather than be distracted by your phone!</li>
<li style="box-sizing: border-box; max-width: 100%;">Play games and puzzles that aid memory and keep the brain active and thinking.</li>
<li style="box-sizing: border-box; max-width: 100%;">Do not sleep with your cellphone!</li>
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It is worrisome to imagine what will happen once facial profiling comes of age! Will we start forgetting faces too? Will we need to scan a face with our mobiles to remember who it is? And of course with the added advantage of being then able to find out everything else about them – their age, favourite colour, food they like eating, their choice of entertainment and family information!</div>
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What then will be the difference between humans and robots? It is a scary future we are beeping our way towards unless we consciously keep fighting to stay above the water!</div>
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<a href="http://www.kaamkhoj.co.in/">http://www.kaamkhoj.co.in/</a></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-22066173725218796832018-03-09T22:54:00.002-08:002018-03-09T22:54:37.734-08:00Protect your wife and children with regular monthly income even after you’re gone.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #333333;"><span style="font-family: Verdana, sans-serif;">The SMS notification tone on the last day of each month sounds extra sweet. The message of your salary being credited is usually the best part of that day – or even the month. All those plans you had been holding on to – to take your wife out for a romantic dinner or to buy your daughter her favourite doll or take your kids to the amusement park over the weekend – you can now do it all. Until the next month, when once again new plans, new wishes, and new aspirations would be fulfilled. Payday doesn’t only bring a smile to your face but also gives you a repeated chance to be a superhero for your family.</span></span><br />
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<span style="background-color: white; color: #333333; font-family: Verdana, sans-serif;">A regular monthly income is not just useful but extremely rewarding – after all, it pays for your kids’ school fee, buys you some intimate vacations with your wife, lets you help your parents learn new skills like painting in their post-retirement days, and helps you rewind life with your buddies at the latest music festival. And oh, it lets you plan the future better with savings and investments.</span><br />
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<span style="background-color: white;"><span style="color: #333333; font-family: Verdana, sans-serif;">You are doing everything right, or so you think until one day you realize that you’ve lost your job. Of course, you can find another one.</span></span><span style="background-color: white; color: #333333;"><span style="font-family: Verdana, sans-serif;">But the scenario could be far worse. In an unfortunate incident like the death of the only earning member, a family is left devoid of not only luxuries but even the most basic expenses. The family that you’d loved with all your heart and might, and promised to protect till your last breath, doesn’t only have to bear an emotional trauma of losing you but also face financial challenges.</span></span><br />
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<span style="background-color: white; color: #333333;"><span style="font-family: Verdana, sans-serif;">The lifestyle that you’ve built for yourself and your family – all the living expenses, home loans, incidental overheads, the little luxuries of life – they all require money. These costs do not end with someone’s life and fortunately, there are ways you can provide for your wife and kids long after you’re gone.</span></span><br />
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<span style="background-color: white;"><span style="font-family: Verdana, sans-serif;"><span style="color: #333333;">The monthly payout option helps families that are not very insightful with investments and find it difficult to manage the lump sum on the ill-starred death of the policyholder. Quite a few factors are responsible for this and the loss of a loved one is not the best time to make a decision about capitalizing the amount that you receive in case of 100% lump sum payout.</span></span></span><span style="background-color: white; color: #333333;"><span style="font-family: Verdana, sans-serif;">And you would have noticed the premium of a policy with monthly payout option is much lower than the lump sum payment option. And so, it keeps you worry-free while you live and much after you're gone.</span></span><br />
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<span style="background-color: white; color: #333333;"><span style="font-family: Verdana, sans-serif;"> <a href="http://www.kaamkhoj.co.in/">http://www.kaamkhoj.co.in/</a></span></span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-74734408052780728502018-03-08T23:02:00.002-08:002018-03-08T23:02:46.565-08:00 How Women Use Social Media.<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; font-family: UniversLTStd-LightCn; font-size: 22px;"> </span><img alt="Inforgraphic-HigherSocialStatus2017.jpg" src="https://www.womensmarketing.com/hs-fs/hubfs/Inforgraphic-HigherSocialStatus2017.jpg?width=627&height=940&name=Inforgraphic-HigherSocialStatus2017.jpg" style="text-align: left;" /></div>
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<span style="background-color: white; box-sizing: border-box; font-family: UniversLTStd-LightCn; text-align: start;"><span style="box-sizing: border-box;"><span style="color: #444444; font-size: large;"><b>5 Ways Women Use Social Media.</b></span></span></span></div>
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<li><b style="font-family: UniversLTStd-LightCn; font-size: x-large;">90% access social media via Smartphone<span style="background-color: white; font-size: 22px; font-weight: 400; text-align: start;">,</span><span style="background-color: white; font-size: 22px; text-align: start;">and 32% tap tablets</span></b></li>
<li><b style="font-family: UniversLTStd-LightCn; font-size: x-large;"><span style="background-color: white; font-size: 22px; text-align: start;"> The average female smart phone user checks her Social media apps 10 times per day</span></b></li>
<li><b style="font-family: UniversLTStd-LightCn; font-size: x-large;"><span style="background-color: white; font-size: 22px; text-align: start;">94% of women interact with brands on social</span></b></li>
<li><b style="font-family: UniversLTStd-LightCn; font-size: x-large;"><span style="background-color: white; font-size: 22px; text-align: start;">58% of women get their news from social sites</span></b></li>
<li><b style="font-family: UniversLTStd-LightCn; font-size: x-large;"><span style="background-color: white; font-size: 22px; text-align: start;">72% of all American women have at least one social networking account</span></b></li>
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<span style="font-family: UniversLTStd-LightCn;"><span style="font-size: 22px;"><b><a href="http://www.kaamkhoj.co.in/">http://www.kaamkhoj.co.in/</a></b></span></span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-55443995595671373332018-03-08T01:30:00.002-08:002018-03-08T01:30:53.569-08:0010 Ways to Show Your Community Love<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Verdana, sans-serif;">In many ways, a healthy relationship between your brand and its community parallels that of a healthy relationship between two people. Both relationships rest on simple tenets like respect, and both should be celebrated whenever possible.</span></div>
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<span style="font-family: Verdana, sans-serif;">When thinking about the connection you've built with your community and its members, remember these 10 truths of a healthy relationship to keep your community feeling loved and appreciate</span><span style="font-family: SalesforceSansRegular, Helvetica, Arial, sans-serif;">d.</span></div>
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<li><span style="box-sizing: border-box; font-family: SalesforceSansBold, Helvetica, Arial, sans-serif !important; font-size: 15px; text-align: left;"><b>Remember to say "Thank you<span style="color: #032e61;">.</span></b></span><span style="color: #032e61;"> </span><span style="font-family: Verdana, sans-serif;"><span style="font-size: 15px;">"</span><span style="font-size: 15px; text-align: left;">People generally enjoy saying or doing nice things for others, and tend to do it without expecting to be thanked for it. However, we all know how great it makes us feel when we are recognized for our efforts. When your community says something nice about you, it's always a wonderful idea to say "thank you.</span><span style="font-size: 15px; text-align: left;">"</span></span></li>
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<li><b><span style="font-family: Arial, Helvetica, sans-serif;">Celebrate their successes. </span></b><span style="font-family: Verdana, sans-serif;">This is the age-old principle of thinking of others before yourself. If you do so, then you will probably notice the great things members of your community are accomplishing.Congratulate them and share their successes with others whenever you can.</span></li>
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<li><span style="font-family: Verdana, sans-serif;"><span style="box-sizing: border-box; font-size: 15px; text-align: left;"><b>Be a good listener. </b></span>This is probably some advice we all received at least once from a parent in our lives. Like Stephen R. Covey points out in <em style="box-sizing: border-box; font-size: 15px; text-align: left;">7 Habits of Highly Effective People</em><span style="font-size: 15px; text-align: left;">, "Seek first to understand, then to be understood." Great relationships are also built on the idea of give and then, perhaps, get. Invest in your community by listening and understanding their needs.</span></span></li>
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<li><span style="font-family: Verdana, sans-serif;"><b>Ask for their opinion.<span style="color: #032e61; font-size: 15px; text-align: left;"> </span></b> There probably isn't a person alive who doesn't like being asked for their opinion. Collaboration on a project almost always produces a better end result. Social media has given brands an amazingly simple and effective way to engage with those who have thoughts and ideas about them and their products and services. Remember to ask your community for its opinion.</span></li>
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<li><span style="font-family: Verdana, sans-serif;"><span style="box-sizing: border-box; font-size: 15px; text-align: left;"><b>Don't forget about the little things.</b></span></span><span style="box-sizing: border-box; color: #032e61; font-family: SalesforceSansBold, Helvetica, Arial, sans-serif !important; font-size: 15px; text-align: left;">. </span><span style="font-size: 15px; text-align: left;"><span style="font-family: Verdana, sans-serif;">Sometimes it is the smallest of gestures that can mean the most to someone. Focusing on the little things that matter can show a person that they are indeed worth your time. When approaching relationships from a long-term frame of mind, it is very possible to make the time along the way for those important details without getting overwhelmed by the idea. Look out for the little touches to help each community member</span></span></li>
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<li><span style="font-size: 15px; text-align: left;"><span style="font-family: Verdana, sans-serif;"><b><span style="box-sizing: border-box;">Be patient</span>.</b><b style="color: #032e61;"> </b></span></span><span style="font-family: Verdana, sans-serif;">In any relationship, making things work means working through the occasional misunderstanding or frustration with one another. Life is not supposed to be simple; if it were, it wouldn't be all that exciting. It's important that you take a step back and look at every challenge from the other's point of view. Your patience and willingness to try to understand will be appreciated. Be known for your abundant patience and caring approach with your community.</span></li>
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<li><span style="box-sizing: border-box; font-size: 15px; text-align: left;"><b><span style="font-family: Verdana, sans-serif;">Admit your mistakes. </span></b></span><span style="font-family: Verdana, sans-serif;">Nobody is perfect, and holding onto your pride will never do you any favors. When you invest in building relationships within your community, members get to know your brand's human side. You will make errors but, while members may be disappointed, your community generally has the ability and willingness to forgive. Be quick to admit your mistakes and be genuine in asking for forgiveness.</span></li>
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<li><span style="font-family: Verdana, sans-serif;"><span style="font-size: 15px; text-align: left;"><b><span style="box-sizing: border-box;">Share</span><span style="box-sizing: border-box;"> a common passion</span>.</b></span></span> <span style="font-family: Verdana, sans-serif;">Brands and people are more than capable of setting up daily routines to get things accomplished based on things that need to be done. And while working side by side on something does create a bond, it's usually not a bond that is sustainable over a very long period of time. Finding a common passion, something you both enjoy doing and talking about, creates the strongest bonds. If you are passionate about what you do, then no doubt there are others out there that feel the same way you do. Find them, invite them to your community, and enjoy learning and sharing together.</span></li>
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<li><b><span style="font-family: Verdana, sans-serif;">Show respect and gain trust</span></b><span style="background-color: transparent; text-align: left;"><b><span style="font-family: Verdana, sans-serif;">.</span></b> <span style="font-family: Verdana, sans-serif;">The strongest relationships are built on mutual respect and trust. But getting to that point should ideally start with you. Be willing to respect the views of your community even though you may not entirely agree with them. Community members have reasons for their views and it is up to you to understand, or at least accept, them. And, when making commitments to your community, make sure you meet or exceed their expectations. Being willing to compromise, or give and take, will help your brand demonstrate respect and earn a community's trust.</span></span></li>
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<li><span style="background-color: transparent; text-align: left;"><span style="font-family: Verdana, sans-serif;"><span style="box-sizing: border-box; font-size: 15px;"><b>Celebrate Valentine's Day every day. </b></span></span></span><span style="font-family: Verdana, sans-serif;">Giving your community a Valentine once a year is definitely a nice gesture, but finding ways to show them how much you love them on a regular basis should be what you strive for. Apply your creative energy to think of new ways to accomplish goals 1-9. Most companies are still just awakening to this idea of focusing on their community, so anything you do to show appreciation for your community now can help your brand stand out in the crowd. And, heck, who doesn't enjoy making someone smile with an unexpected gift?</span></li>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-76463605697617738812018-03-07T22:23:00.000-08:002018-03-07T22:23:25.192-08:00The BJP-Modi model of woman empowerment derives its inspiration from Indian civilization values.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">As we celebrate International Women’s Day in the 21st century, the need for empowerment of women is an idea that everyone acknowledges as important. However, following up ideas and ideals with actions is of prime importance. In this, Prime Minister Narendra Modi leads the way.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">Modi has always been a vocal proponent of women empowerment. In a refreshing break from the earlier unimaginative governance paradigm of handing out nine LPG cylinders or twelve, Modi has now ensured more than three crore women are living smoke free lives due to the Ujjwala Yojana. More than six crore toilets have been built to make sanitation safer and more accessible, directly impacting the health and dignity of women. This is not a culture of temporary handouts that keeps people dependent on the government but is a culture of true and irreversible empowerment.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">The success and transformation that Beti Bachao Beti Padhao has brought, both in attitudes and in outcomes, will be remembered fondly by history. Under Swachh Vidyalaya, many schools saw separate toilets being built for girls, to reduce girls dropping out of schools. </span><span style="background-color: white;"><span style="color: #2b2b2b; font-family: "lato";">Indian civilization has produced Rani Laxmibai of Jhansi, Rani Chennamma of Kittur, Maharani Ahilyabai Holkar and many more inspirational women leaders. As the flag-bearer of Indian civilizational values, BJP has championed political empowerment of women, in governance or within the party organisation itself.</span></span><br />
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<span style="background-color: white;"><span style="color: #2b2b2b; font-family: "lato";">Today the Cabinet Committee on Security, that deliberates upon matters of national security, has two women. This first was possible because of another historic first – for the first time, India saw a woman become full time defense minister in Nirmala Sitharaman..</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">Modi’s government also has six female Cabinet ministers, perhaps the highest number of women in the Cabinet ever. This sends a powerful signal to millions of young women that there is no domain that a woman cannot enrich and there are no barriers that can stop them.</span><span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">New India is about enabling women with opportunities to express their innate leadership qualities. The nation will benefit from women’s qualities like excellent management abilities, communication skills, ability to multitask. It will also give a more caring and compassionate edge to the often impersonal realm of governance.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">For any little girl out there, new India is the place where she stands an equal chance to lead the nation, as much as anyone else. This, as Modi says, is not just women empowerment but women-led development.</span><span style="background-color: white; color: #2b2b2b; font-family: "lato"; font-size: 16px;">It is a matter of pride that women are increasingly playing a bigger role in the development of the nation, right from cities and villages up to Parliament. It is a matter of even more pride that the Modi led BJP is leading the way, not only in making women-centric policies a focal point of governance but also in ensuring better representation in positions of power.</span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-75017361314295338362018-03-07T02:13:00.001-08:002018-03-07T02:13:31.437-08:00International Women’s Day 2018: When is it? What is it? And why do we celebrate it?<div dir="ltr" style="text-align: left;" trbidi="on">
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International Women’s Day is a worldwide event that celebrates the achievements of women everywhere.</div>
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This year’s celebration comes at the heels of an unprecedented movement for women’s rights as 2018 marks 100 years since women gained the vote after the suffragette movement.</div>
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There have also been global campaigns in the form of #MeToo and #TimesUp – bringing sexual harassment and equal pay to the forefront of the agenda.</div>
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When is International Women’s Day?</h3>
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This year International Women’s Day falls on Thursday, March 8.</div>
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On this day there are women’s marches and various powerful women are invited to speak at events.</div>
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The day will bring together women’s organisations, businesses and charities to celebrate women worldwide.</div>
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Why do we celebrate International Women’s Day?</h3>
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International Women’s Day celebrates all the achievements of women worldwide – from the political to the social.</div>
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It also strongly calls for gender equality – which was the original aim and has still not been fully actualised.</div>
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Figures show that there is a gender pay gap across the globe, and women are not present in equal numbers in business or politics.</div>
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What is the history of International Women’s Day?</h3>
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The day has been observed since 1908, and falls on March 8 each year.</div>
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The beginnings of the tradition can be traced to when 15,000 women marched through New York City demanding voting rights, better pay and shorter working hours.</div>
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The year after the first National Woman’s Day was held in the US on February 28.</div>
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On this day the Socialist Party of America honored the workers who went on strike.</div>
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At the conference, 100 women from 17 countries were present and they agreed unanimously.</div>
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The first International Women’s Day was celebrated by Austria, Denmark, Germany and Switzerland.</div>
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The date of March 8 was first formalized in 1917 in a war strike when Russian women demanded “bread and peace”.</div>
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Four days after the strike began the Tsar as forced to abdicate and the provisional government granted women the right to vote</div>
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The strike commenced on March 8 – which is why it is celebrated on that day.</div>
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<span style="color: #201d1c; font-family: "lato" , sans-serif; font-size: 17px;"><b>What is the theme for this year’s International Women’s Day?</b></span></div>
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The campaign theme for the important day this year is #PressforProgress.</div>
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The World Economic Forum’s 2017 Global Gender Gap Report found that gender parity – which compares the average income of women compared to men – is 200 years away.</div>
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This means it is important to keep motivated and to PressforProgress.</div>
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The campaign says: “Now, more than ever, there's a strong call-to-action to press forward and progress gender parity. A strong call to #PressforProgress.</div>
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“A strong call to motivate and unite friends, colleagues and whole communities to think, act and be gender inclusive.</div>
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“International Women's Day is not country, group or organisation specific.</div>
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“The day belongs to all groups collectively everywhere. So together, let's all be tenacious in accelerating gender parity. Collectively, let's all Press for Progress.”</div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-15200582068528145672018-03-06T22:57:00.000-08:002018-03-06T22:57:13.221-08:00Are you still confused about Women’s day gift ideas? Hurry up 8th March is on its way!<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px;">The burgeoning labor movement in the beginning of the 20th century can be considered responsible for bringing the importance of Women’s day to the rest of the world. Women’s Day is not just any other normal day. This day reflects the struggles women have gone through from centuries for empowerment and equality in the society.Your women's day gift ideas</span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px;"><b> </b>must portray your thinking or belief in the power or strength in her womanhood.</span></div>
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<span style="box-sizing: border-box;"><span style="font-size: large;">Women’s day gift ideas.</span></span></h2>
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<span style="box-sizing: border-box;"><span style="color: #3d85c6;"> Flowers</span></span></h4>
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<span style="box-sizing: border-box;"><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;">You can buy a potted plant or a beautiful arrangement of freshly-cut or pressed flowers.This is one </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;">women’s </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;">day </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;">gift </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;">ideas</span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif;"> which always seems to work. Do not forget to buy a potted plant or arrangement of pressed flowers few days before the Women’s Day. This simple tip can save your few bugs.</span></span></div>
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<span style="background-color: white; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">If your mom or girlfriend does not like flowers, opt for a chocolate flowers bouquet of daisies, tulips, rose etc. That will be the tastiest bouquet they have ever received.</span></div>
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<span style="background-color: white; font-family: "Open Sans", sans-serif; font-size: 22px; text-align: left;"><b><span style="color: #bf9000;">A movie or a book collection.</span></b></span></div>
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<span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;"> If</span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;"> you want to be different from the crowd, try gifting some empowering books or a movie collection to your woman. Every time it’s not necessary that women feel happy only after applying MAC foundation on their face. You can take a break from </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">women’s </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">day</span><span style="background-color: white; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;"> </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">gift ideas</span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;"> which comprises of makeup and expensive eye shadows palette. These books and movies can truly help your woman explain the significance of W Day.</span></div>
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<span style="background-color: white; box-sizing: border-box;"><span style="color: magenta;">Handmade crafts.</span></span></h4>
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<span style="font-weight: normal;">You can either buy handmade stuff from local artisans or can hop over to some handicrafts websites on the internet. These websites are full of unique <span style="background-color: white; box-sizing: border-box; color: #111111;">women’s </span><span style="background-color: white; box-sizing: border-box; color: #111111;">day </span><span style="background-color: white; box-sizing: border-box; color: #111111;">gift </span><span style="background-color: white; box-sizing: border-box; color: #111111;">ideas</span><span style="background-color: white; box-sizing: border-box; color: #111111;"> and you will never have the problem again in buying gifts on W Day for your woman. There are so many things which you can choose from house décor to jewelry etc. You can even show your creativity and make something by getting inspired by handmade crafts items. There is still a time for women day and this tip can help you save money too.</span><span style="text-align: justify;"> </span></span></h4>
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<b style="background-color: white;"><span style="color: #e69138;"><span style="box-sizing: border-box; font-family: "Open Sans", sans-serif; font-size: 22px; text-align: left;">Do-It-Yourself or DIY </span><span style="box-sizing: border-box; font-family: "Open Sans", sans-serif; font-size: 22px; text-align: left;">women’s day gift ideas.</span></span></b></div>
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<span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">If you want to express your emotions by indulging in some creative gifts making, do it. No expensive gift in this world can truly contain your emotions as your own handmade gift. You can put together a unique beauty gift baskets. Just keep a color choice or any theme in your mind and go to the supermarket to buy items like cute soaps, candles, bath salts etc. Place all your items nicely in a basket and wrap the basket with colorful cellophane paper with a big bow on the </span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">top</span><span style="background-color: white; box-sizing: border-box; color: #111111; font-family: "Open Sans", sans-serif; font-size: 16px; text-align: left;">.</span></div>
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<span style="box-sizing: border-box;"><span style="color: #e06666;">Photoframe.</span></span></h4>
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<span style="box-sizing: border-box; color: #111111;">This simple yet elegant </span><span style="box-sizing: border-box; color: #111111;">women’s </span><span style="box-sizing: border-box; color: #111111;">day </span><span style="box-sizing: border-box; color: #111111;">gift </span><span style="box-sizing: border-box; color: #111111;">idea</span><span style="box-sizing: border-box; color: #111111;"> is worth 1000 words. Choose a pretty photo frame and an awesome photo of you with your significant other. Do not forget to write your favorite lines or quotation which you both always speak of and smile about at the back of the frame. Every time your gal will see this frame, she will be filled with all happy emotions and awesome past memories.</span></div>
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<span style="box-sizing: border-box;"><span style="box-sizing: border-box; color: #111111;">Women’s </span><span style="box-sizing: border-box; color: #111111;">day </span><span style="box-sizing: border-box; color: #111111;">gift </span><span style="box-sizing: border-box; color: #111111;">ideas</span><span style="box-sizing: border-box; color: #111111;"> are all about showing that you care and value the efforts taken by women in your life. You can gift some special kitchen appliances or gadgets to ease the work of your mom or girlfriend in their kitchen. You can invest in some high-quality food processors, juicers, blenders, coffee makers etc.</span></span></div>
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<span style="box-sizing: border-box;"><span style="color: #b45f06;">Homemade Food.</span></span></h4>
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<span style="box-sizing: border-box; color: #111111; text-align: left;">If your woman is asking about the special recipe for that one particular food item which she absolutely loves and you never gave her, well this W day your special recipe can be the </span><span style="box-sizing: border-box; color: #111111; text-align: left;">best</span><span style="color: #111111; text-align: left;"> </span><span style="box-sizing: border-box; color: #111111; text-align: left;">women’s day </span><span style="box-sizing: border-box; color: #111111; text-align: left;">gift </span><span style="box-sizing: border-box; color: #111111; text-align: left;">ideas</span><span style="box-sizing: border-box; color: #111111; text-align: left;">.You can make special cookies in batches and pack them in cute little bags with a paper of your recipe pinned on the bag. Your woman will definitely enjoy your handmade food items and your unique recipe will be a real gift for her which she can cherish for a lifetime. Store bought cookies consists of additives, sugar, and fat which does not benefit her health in any way. So exhibits your own baking skills on 8</span><span style="box-sizing: border-box; color: #111111; text-align: left;">th</span><span style="box-sizing: border-box; color: #111111; text-align: left;"> March.</span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-26539556687837562302018-03-05T21:41:00.001-08:002018-03-05T21:41:11.224-08:00Celebrate your homemaker partner this women’s day.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Did you ever thank your mom for cleaning up your room? Did you ever thank your wife for doing your laundry? If not, then this is the time. This International Women’s Day, take the opportunity to salute these unsung homemakers and celebrate their day long efforts to keep everybody happy.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Today’s moms at home are known by various names such as a ‘stay-at-home mom’, a ‘domestic engineer,’ and above all a ‘homemaker.’</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The word ‘homemaking’ is really a beautiful word. Keep it in mind that homemaking is not really an easy job. It happens when we fully understand the value of home in our lives. Homemaking happens when we intentionally make home a safe house, a trauma unit, a playground, a school and more. Somebody has to have the time and energy to bring those roles alive in a family’s life. Somebody has to make a house a home, and it’s really a tough job. But homemakers do it everyday, with a smile on their faces.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Homemaking is the deliberate cultivation of beauty and productivity in family relationships. It is about celebrating each other, about caring for each other, as well as for your friends and extended families and even the occasional stranger. Anyone can keep house. Not everyone bothers to make a home.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Homemaker women are known to be great multitaskers and guess this very multi-management renders them tired most of the time. This Women’s Day, ensure your homemaker partner gets that well-deserved break from her hectic life. Let her do what she wants on this day, or even better – do nothing at all! Let her laze around, give orders and do everything she usually doesn’t do.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Most of the time, women at home spend their lives tending for others and often put their own plans on the back burner to accommodate family plans. On this special day, the least you can do is plan a small get-together/trip for your lady love. All you need to do is get in touch with her favourite girls and send them off for a few hours of absolute bliss!</span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-43029236674982643002018-03-05T02:59:00.001-08:002018-03-05T02:59:29.597-08:00A chowkidar is not enough: The fight against corruption must be driven by institutions, not by an individual<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">I don’t want to become Prime Minister, I want to be a chowkidar, said then Gujarat chief minister Narendra Modi on the campaign trail during the 2014 elections. Social media is unforgiving and four years later – after the Nirav Modi banking scam blew up – a video of the PM’s chowkidar speech was repeatedly recycled.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">As the NiMo banking scam unfolds, reality has hit hard. To lay the blame at the prime minister’s door for a multi-crore scam in one branch of a public sector bank would be unfair. The scam reveals, though, that however tough the chowkidar at the top, there’s deep rot in an unaccountable public sector banking system. For example, all 20 PSU banks including PNB do not have a workman or an officer director. </span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The personal commitment of a dominant political executive to act against corruption is welcome. Yet a single chowkidar sitting alone in Lok Kalyan Marg in Delhi cannot oversee goings on from Jhabua to Trichy, or PNB Mumbai’s Brady House Branch for that matter.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Instead, it is anti-corruption institutions at every level which must be strengthened and empowered. Today public cynicism about corruption is overwhelming. Even a Davos group photo or PM’s references to “hamaare Mehulbhai” can lead to perceptions of cronyism, unless strong institutions act swiftly to catch the big fish.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The government claims it has introduced tough new amendments in the Benami Property Act and brought in an Insolvency and Bankruptcy Code to enable actions against swindlers. But who will implement these tough laws if administrators and institutions are rendered irrelevant? The government has not instituted a single Lokpal in the last four years and as many as four posts in the Information Commission are lying vacant.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Election funding, arguably the most visible source of political corruption, remains unchecked. The introduction of electoral bonds (now challenged in court) has failed to address the core issue of promoting transparency in funding: under the new law, details of individuals and corporates funding political parties will not be disclosed in public.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The finance minister recently said that while politicians are accountable, it’s the regulators who are not, suggesting that banking regulator RBI has not been vigilant enough. But the fact is, it’s the government’s responsibility to create autonomous and independent institutions that have the self-confidence to ask questions, even from well-connected VIPs.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The Indian people’s interests are best served when the government takes urgent steps to ensure that institutions – CVC, CBI, judiciary, RTI, CIC, bank watchdogs – are not attacked or weakened or marginalised or bypassed but made vigorous, independent and staffed by persons of courage and integrity. It’s these institutions that are India’s real chowkidars, not a single individual.</span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-73163938020084705962018-03-04T22:55:00.001-08:002018-03-04T23:16:09.441-08:00 A swachh mission for banks to stop NiMos.<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #2b2b2b; font-family: verdana, sans-serif; font-size: 16px;">At the time of writing this, every Indian with WhatsApp has received at least half-a-dozen Nirav Modi/PNB jokes. One wouldn’t have thought a banking scam involving technical terms like LoUs would capture the popular imagination. However, Nirav Modi is no ordinary scamster. First, his business is relatively simple and connects with all Indians – jewellery. Second, his advertising involved top Bollywood stars. This ensured that a lot of people had heard of him, even if they couldn’t afford his thirty-lakh-rupee bracelets. Third, unfortunately for the PM, his last name is Modi. Nirav and his uncle Mehul Choksi seemed to represent the Gujarati mafia that seems to have a grip on this government, getting away with whatever they want. The group picture with the PM at Davos cemented the perception. All this was enough to set the country’s imagination on fire. PNB, the guys who actually issued the guarantees, came across as both clueless and corrupt. They also fit right into the public sector bank (PSB) stereotype – give horrible service to the average customer but help the big industrialist loot.</span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: "verdana" , sans-serif; font-size: 16px; text-align: left;">Meanwhile, Nirav is taking in Central Park views from his luxury hotel suite. He’s probably booking tickets to a Broadway show in New York (Hamilton is supposed to be really good, by the way).</span></div>
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<span style="background-color: white; color: #2b2b2b; font-family: "verdana" , sans-serif; font-size: 16px; text-align: left;">Having worked in banks for over a decade (including the infamous distress debt group where Nirav Modi-type loans often land up), I can tell you this: it is not going to be easy to prove wrongdoing on Nirav Modi’s part. He (or his lawyers, because he has a show to watch you see) would simply argue: “Ok guys, that stupid bank gave me an LoU or guarantee letter without any security or collateral. I took it. So what? If someone gives you a sweet deal, why won’t you take it? I used that guarantee to raise a lot of money, open stores in my name and tried to sell bracelets that cost more than an apartment. People didn’t buy them. I screwed up. I suck as a businessman. Sorry. Dear PNB, I took a guarantee from you (and paid you a fee for it). Please repay my creditors. I am bankrupt, a fool in business but I am not a criminal. Let me have my coffee and bagel in peace.”</span></div>
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<span style="font-family: "verdana" , sans-serif;">It is going to be extremely difficult to prove Nirav actually committed fraud in connivance with bank officials and/or politicians to get a guarantee without security. This is unlike Vijay Mallya’s case. He issued personal guarantees, so the banks can now go after him. Nirav simply obtained a guarantee from PNB, and was not asked for any security. The PNB now has to pay his creditors. Fraud will have to be proved, and we all know how that goes in India.</span></div>
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<span style="font-family: "verdana" , sans-serif;">The point is, this isn’t just about Nirav Modi or PNB or, even the BJP or Congress. The problem is systemic and all-pervasive. Also, once the money is paid out without due diligence and not repaid, it is near impossible to prove if it was fraud and not a genuine business gone bad. Hence, all our PSBs (there’s 21 of them) are leaky faucets that are draining money into the gutter.</span></div>
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<span style="background-color: white; font-family: "verdana" , sans-serif;">There are two ways you put money in them. One, the government puts in capital by charging citizens more taxes. Two, citizens deposit their own money. Then, it is the PNB guys who decide what they do with that money and who they lend it to. Some of the lending is legitimate. However, there are enough loopholes in reporting processes to game the system. For instance, nobody detected that the guarantees to Nirav Modi had no security collateral against them. Add a few corrupt employees to the mix, the politicians who actually control these banks and a greedy promoter – it really isn’t that hard to hatch a plan. Little wonder that non-performing loans of public sector banks are three times higher than those of private banks, and run into lakhs of crores. You can imagine the wild party in progress inside those dusty PSB branches.</span></div>
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<span style="background-color: white; font-family: "verdana" , sans-serif;">The solution is not just to chase Nirav Modi. These banks need to be fixed on an urgent basis. We don’t need 21 public sector banks. The more banks, the more the likelihood of wrongdoing. We need no more than three to five public sector banks. The rest should be merged with one another, sold or even closed down. The banks should also have world-class systems to detect any risks the bank has taken (including issuing security-less guarantees). Dozens of reports exist on how to fix our PSBs, what is needed is some political will and guts to do it. Till then, we taxpayers will continue to bleed money. Worse, the capital that can be used to grow the economy and fund legitimate businesses, will go to fund shady promoters.</span></div>
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<span style="background-color: white; font-family: "verdana" , sans-serif;">India’s public sector banks are choking our economy, wasting your money and aiding corruption. We need an urgent ‘Swachh Bank’ mission to clean up the sector. This isn’t just about a billionaire, it is about a billion people.</span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-62256478120693075592018-03-02T21:37:00.001-08:002018-03-02T21:37:20.820-08:00What Aadhaar collects: Fears of a surveillance state are overblown, but a robust privacy bill is needed.<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Verdana, sans-serif;">Claims, insinuations and even jokes have done the rounds on print and social media about how the Aadhaar system could lead to a surveillance state. There are worries that unsuspecting Aadhaar carrying residents will be closely tracked by the government while they authenticate themselves as they pay for their pizza or buy rice at a ration shop.</span></div>
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<span style="font-family: Verdana, sans-serif;">We need to understand what data Aadhaar collects and more importantly what it doesn’t, to determine whether the above dystopian scenarios are likely or even possible.</span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="font-size: 16px;">Aadhaar does only two things. First, enrolment, wherein an applicant is processed and issued an Aadhaar number. Second, online authentication where the Aadhaar holder is accurately verified during a transaction such as buying ratio</span><span style="font-size: 16px;">ns.</span></span></div>
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<span style="text-align: start;"><span style="font-family: Verdana, sans-serif;">Back in December 2009, a government appointed committee with representatives from several ministries, regulators and NGOs met to determine which demographic fields should be collected to issue an Aadhaar. After lengthy deliberations, the committee came up with a simple rule – UIDAI should only collect the minimal amount of information in order to protect the privacy of the people.</span></span></div>
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<span style="font-family: Verdana, sans-serif;">Similarly, a government appointed biometric committee decided that ten fingerprints, two irises, and a photo of the face were needed to accurately de-duplicate the entire population and issue a unique ID, thus ensuring that a resident does not get multiple Aadhaar IDs. This was the bane of earlier systems, where programme-based ID cards which lacked uniqueness (one person, one ID) resulted in duplicates and ghost IDs, leading to resource capture, leakage and other fraudulent transactions.</span></div>
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<span style="font-family: Verdana, sans-serif;">Based on the above demographic and biometric data that is collected, the enrolment system issues an Aadhaar number after a de-duplication process to ensure that the resident is unique and does not already possess an Aadhaar number.</span></div>
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<span style="font-family: Verdana, sans-serif;">Once the resident is enrolled in the Aadhaar system, she can now authenticate herself at various points to prove her identity. Just as one would enter a user-ID and password to login to one’s email account, the Aadhaar holder can now authenticate herself by entering her Aadhaar-number (user-ID) and one of the demographic/ biometric details (password). This online verification proves to be very useful in a host of services, be it government service delivery, banking/ payments or even renting a bicycle.</span></div>
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<span style="font-family: Verdana, sans-serif;">Now let’s look at Aadhaar authentication.</span></div>
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<span style="font-family: Verdana, sans-serif;">During authentication, the user enters the Aadhaar number and one or more of the biometric (fingerprint/ iris) or demographic (name/ address/ gender/ date of birth) fields and Aadhaar returns a Yes/ No response. It does not return other details about the person, hence protecting the privacy of the individual.</span></div>
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<span style="font-family: Verdana, sans-serif;">The Aadhaar system does not collect the specific purpose of your authentication, or the location of your transaction so there is no way the system can construct where you were and what you were doing.There is no input field in the data format that collects the location or type of transaction being carried out (example, paying for your pizza or buying rice at a ration shop).</span></div>
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<span style="font-family: Verdana, sans-serif;">Delving deeper into privacy and accountability, let’s look at the audit trail feature Aadhaar provides so that you can view your Aadhaar transactions and ensure that they were all bonafide – just as you reconcile your bank statements. It can be argued that if the history of Aadhaar transactions contained details such as <em style="box-sizing: border-box; max-width: 100%;">what</em>(specific transaction type), <em style="box-sizing: border-box; max-width: 100%;">where</em> (location information) and by <em style="box-sizing: border-box; max-width: 100%;">whom</em>(authenticating entity), the user would be empowered with context against potential frauds by more accountability in the system. In fact, an earlier version of the Authentication API spec did collect the location information for this very reason. On the contrary, it can also be argued that collecting the <em style="box-sizing: border-box; max-width: 100%;">where</em> and <em style="box-sizing: border-box; max-width: 100%;">what </em>and <em style="box-sizing: border-box; max-width: 100%;">who</em> would compromise the Aadhaar holder’s privacy.</span></div>
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<span style="font-family: Verdana, sans-serif;">The point i’m making is that a line has to be drawn somewhere between privacy and accountability and you can’t have both independent of each other. A measured, balanced approach between the two is in the interest of citizens and this, i believe, is what Aadhaar offers.</span></div>
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<span style="font-family: Verdana, sans-serif;">An average smartphone user can be tracked by the telecom provider who can triangulate the user’s location through telecom base stations. Apps from Google, Facebook, Apple and thousands of other companies are also able to track smartphone user location using GPS sensors. Surveys show that over 75% of smartphone users enable location services. This is the reality of the digital world we live in. In contrast, the Aadhaar authentication system is designed to protect people’s privacy by not collecting such information.</span></div>
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<span style="font-family: Verdana, sans-serif;">India is coming to terms with privacy in this increasingly digital world for the first time. The debate around Aadhaar privacy is a precursor to the larger privacy debate. It is a good thing that people are becoming aware of the issues around privacy.</span></div>
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<span style="font-family: Verdana, sans-serif;">Aadhaar brings tremendous benefits to our country, be it in plugging the leaky pipes of the government’s benefits delivery, or convenient pension payments. The passing of a robust privacy bill and Aadhaar compliance to it would hopefully help alleviate concerns as we strive to build systems of better service delivery in a data rich and digital India.</span></div>
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-77879872914504879492018-03-01T03:11:00.000-08:002018-03-01T03:11:00.548-08:00The Holi festival and the power of fire.<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTlB7c7r6MOrn3WODHZ3CedNIVI5bOhz7w6TbgsKHCkEAu_LX7-DX6G_QSVwrw25eVobPfR0EQFqqghNgMhVY7sG0rbg-mo2UYC2ANxh_Ds_nkzQr2TDF8I5xXpmFdz50qh6EuC1Nbaqwt/s1600/image3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="168" data-original-width="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgTlB7c7r6MOrn3WODHZ3CedNIVI5bOhz7w6TbgsKHCkEAu_LX7-DX6G_QSVwrw25eVobPfR0EQFqqghNgMhVY7sG0rbg-mo2UYC2ANxh_Ds_nkzQr2TDF8I5xXpmFdz50qh6EuC1Nbaqwt/s1600/image3.jpg" /></a></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Verdana, sans-serif; font-size: 16px;">Fire is generated by fire. Fire is sustained by fire. Finally, fire is consumed by fire! Since attributes of fire are similar to those of the three facets of Divinity, the Trimurti – creation, sustenance and destruction – fire is a symbol of the Supreme in all Hindu rituals. Fire illumines itself. One sees fire in its own light, fire alone lights up the darkness; fire enables us to see all else.</span><br />
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<span style="background-color: white; color: #2b2b2b; font-size: 16px;"><span style="font-family: Verdana, sans-serif;">Little wonder then, that fire is a sacred symbol in all religions. Offerings are made of candles, camphor lamps, incense sticks and oil diyas. Zoroastrian fire temples are renowned. The eternal flame there, called ‘Atar Beheram’ is treated like a king with a crown hung over it. This fire is fed five times a day by priests to keep it going.</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-size: 16px;"><span style="font-family: Verdana, sans-serif;">In a dramatisation of the victory of good over evil, we have the legend of Holika, who, at the behest of her non-believing brother, King Hiranyakasipu, entered the burning fire with her nephew Prahlad in her lap. Since Holika had a boon that protected her from fire, it was thought that Prahlad would die and she would emerge unscathed. But Prahlad’s devotion and faith were such that he remained unharmed while Holika burnt to ashes, establishing the truth that eventually, good triumphs over evil.</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-size: 16px;"><span style="font-family: Verdana, sans-serif;">To celebrate this, bonfires are lit in every home and locality. It also heralds the end of the cold winter and the coming of spring, bringing warmth and new life to crops and other plants. The ritual on Choti Holi of throwing worn out things and broken furniture into the bonfire symbolises the decluttering of mind of all old grudges, sorrows and negativities that pull one down. One awakens to a new year of love and togetherness. The fire ‘eats away’ bad habits, suffocating negative thoughts and clinging attachments that enslave us. Unless one lets go off mental baggage one can never create mind spaces that can breathe in the fresh air of positivity.</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-size: 16px;"><span style="font-family: Verdana, sans-serif;">The next day, Holi, sees a burst of colours, song, dance, festivities and gay abandon. In a spirit of uninhibited revelry, bright colours are splashed on one and all. In love and joy, each embraces the other. Perfume and flowers, sandalwood paste and coloured water are lavished on friends and foes alike. In India it was always a friendly festival for people of all faiths. Many Sufi kalams are soaked in the love of Holi, using it as a motif of love play with the Lord. In this happy mood of laughter, merriment and feasting, one breaks free of all that imprisons, shackles and binds the human mind. It is celebration of freedom from conditioned thought and regimentation.</span></span><br />
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<span style="background-color: white; color: #2b2b2b; font-size: 16px;"><span style="font-family: Verdana, sans-serif;">The night of Holi sees the rise of a placidly cool and tranquil full moon that soothes the mind that is now cleansed of all prejudices and enmities and allows equilibrium to return to society after a cathartic expression of exuberance.</span></span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-41264555115023973532018-02-28T04:02:00.000-08:002018-02-28T04:02:32.746-08:00Technology succeeds where a law failed.<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Where laws failed, here comes technology with the potential to root out one of the most dehumanising jobs in Indian society.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">In Indian society, traditionally, it has been Valmiki Dalits who the caste system entrusted the task of manual scavenging.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;"> </span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">With modern sewage systems, the job of descending into the drains to unclog them also fell on the Valmikis.</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCCO2g4hmFv3pgglmRQSgyO62SNiUe1Unx_0F2bzHuXijjeFDi54YX_sET2LWJqRtrdmsw-ADwXNlYMLDrQaCIthyphenhyphen-qvgCk8lkhEouWRiFwuG2Ds_fckeC3lewqCm4y_Yp-6J66_CC4HmI/s1600/bandicoot+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="383" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCCO2g4hmFv3pgglmRQSgyO62SNiUe1Unx_0F2bzHuXijjeFDi54YX_sET2LWJqRtrdmsw-ADwXNlYMLDrQaCIthyphenhyphen-qvgCk8lkhEouWRiFwuG2Ds_fckeC3lewqCm4y_Yp-6J66_CC4HmI/s320/bandicoot+%25281%2529.jpg" width="245" /></a></div>
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">The Prohibition of Employment as Manual Scavengers and their Rehabilitation Act, 2013, banned all local authorities, agencies and individuals from hiring any “person for hazardous cleaning of a sewer or a septic tank” after one year of commencement of the Act.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">Yet the newspapers regularly tell us of those who descended into manholes, choked on poisonous gases, and failed to come out alive. Often, those who go in to rescue the trapped men also fail to come out alive.</span><span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;"> </span><br />
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<span style="background-color: white; color: #2b2b2b; font-family: Lato; font-size: 16px;">If anybody deserves to operate the Bandicoot wherever it is deployed it is those who entered sewer and septic tanks all these year. The 2013 Act also promises to rehabilitate them. Having failed in prohibition the least the government can do is to adopt technology and offer the newly created jobs to those who lose them because of Bandicoot. The young men who developed Bandicoot also deserve our unstinted praise. They reaffirm that AI and Robotics can be a force for good and there is scope for much innovation in many walks of human life. The Kerala government has done well to give these young men at Gen Robotics their first break. </span><br />
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kaamkhojhttp://www.blogger.com/profile/06714480111445178303noreply@blogger.com0tag:blogger.com,1999:blog-8235750641851693861.post-76638946381899629962018-02-27T21:51:00.002-08:002018-02-27T21:56:00.929-08:00PNB fraud may put 10,000 jobs on the line, spike jewellery NPAs to 30%<div dir="ltr" style="text-align: left;" trbidi="on">
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Care Ratings highlighted adverse impact of scam on developments in international trade and domestic revenue.</h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: white; color: #282828;">The Punjab National Bank</span><span style="background-color: white; color: #282828;"> (PNB) scam could negatively impact around 10,000 people working in the gems and jewellery sector as business woes of Gitanjali Group and Nirav Modi firms continue.</span></span></div>
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<span style="background-color: white; color: #282828;"><span style="font-family: "arial" , "helvetica" , sans-serif;">In addition, the banking sector’s non-performing assets (NPAs) in the gems and jewellery sector may surge to 30 percent from the current 11 percent of loans disbursed in the troubled segment, said a Care Ratings report.</span></span></div>
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<span style="background-color: white; color: #282828;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Following the disclosure of the PNB scam worth Rs 12,700 crore by the Delhi-based bank on February 14, the two group companies involved in the scam – three of Nirav Modi’s firms and his uncle Mehul Chokshi’s Gitanjali Group – have written letters to their employees asking them to look for other jobs as they would not be able to pay them their salaries.</span></span></div>
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<b style="font-family: Verdana, sans-serif; text-align: left;"><span style="background-color: white; color: #282828; margin: 0px; padding: 0px;"><span style="margin: 0px; padding: 0px;">The shutdown of Gitanjali Group and Nirav Modi firms could lead to:</span></span></b></div>
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<li style="color: #282828; font-weight: 400; list-style: none outside none; margin: 0px; padding: 0px; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Foreign trade in jewellery could decline by 5-6 percent in 2018-19.Overall sale of jewellery could be impacted by as much as 16 percent. 3,000 permanent staff of the two companies could lose jobs, which could further impact around 7,000-8,000 non-permanent staff directly or indirectly.A simulation analysis shows that NPA ratio for this sector could climb to 30 percent.</span></li>
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<li style="color: #282828; font-weight: 400; list-style: none outside none; margin: 0px; padding: 0px; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Gitanjali Gems is among the largest jewellery retailers in the country, where the market is estimated at Rs 3,90,000 crore, that consists of 30 percent formal retailers. The two companies - Gitanjali and Nirav Modi - employed 648 and 2,200 employees respectively, as per a March 2017 filing.</span></li>
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<span style="color: #282828; font-family: "noto" serif , serif;"><span style="font-size: 18px;"><b style="font-family: "noto serif", serif; font-size: x-large;">Impact of NPAs on banks.</b></span></span><br />
<span style="color: #282828; font-family: "noto" serif , serif;"><span style="font-size: 18px;"><b style="font-size: medium;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: 400;">Amid large loans totalling over Rs 21,000 crore including direct loans given to the two groups, the Indian gems and jewellery sector may see a substantial increase in bad loans. </span><span style="font-weight: 400;">According to the ratings agency, stressed assets ratio for the banking system as of September 2017 was 12.2 percent, while the gems and jewellery sector reported 11.7 percent stressed advances ratio, which was lower than the sample average.</span></span></b></span></span><br />
<span style="color: #282828; font-family: "noto" serif , serif;"><span style="font-size: 18px;"><b style="font-size: medium;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="font-weight: 400;"><br /></span></span></b></span></span>
<span style="color: #282828; font-family: "noto" serif , serif;"><span style="font-size: 18px;"><b style="font-size: medium;"><span style="font-weight: 400;"><span style="font-family: Arial, Helvetica, sans-serif;">"With these two companies having reported borrowings of around Rs 16,000-17,000 crore (as per annual report and other sources and assuming there are no other loans from other banks than is reported), overall gross NPA ratio for this sector based on outstanding as of December 2017 (including the contingent liability falling due) and stressed assets as per RBI data for September 2017 would work out to around 30 percent,” it said.</span></span></b></span></span></div>
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</ul>
</span></span></div>
</div>
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