What are the new methods of cyber fraud in the world of finance?

Today India's largest public sector bank has published some guidelines for internet frauds  and it is worth to share for our visitors too:

""Cyber-crimes are rampant In the financial world today. The digital mode of banking is used by people in every nook and corner of our country. While technology has empowered us significantly, it also reminds us of the old adage– “With great power come great responsibilities.”

Search Engine (e.g. Google) – a new tool for fraudsters

One of the key tools for the fraudsters these days is the “Search Engine.” This utility has become an essential part of our lives. Many of us do not think twice before reposing our total faith on the information provided by these search engines. Google allows users to edit contact details of any establishment such as Banks on Google map and Google search to make their services more useful for users. However, this facility is misused by cyber fraudsters. They change the contact details and related information on Google to accomplish their evil designs. Let’s elaborate the steps of such a fraud which is executed by using search engines.

· A user searches for a branch contact details or information on Google.

· The search engine displays few details along with the mobile number of branch manager or contact details of the branch which have been actually planted by the fraudsters exploiting the algorithm of the search engine.

· The user trusts the mobile number and calls the same for help.

· The fraudster uses the trust factor of the customer and using his skills gains the confidence of the customer to extract all details like debit card number, CVV. In case of UPI frauds, the fraudster manages to get downloaded UPI in the customers mobile. Ask money/request money feature of UPI is rampantly used for siphoning off the money. There are many other modes of UPI as well which will be shared for awareness in the meantime through this space. Primarily, the fraud happens due to sharing of VPA, UPI Pin, or giving access to mobile phone through screen sharing apps in case of UPI.

· Based on the interaction with the customer, mode of fraud (UPI or Debit card) is selected by the fraudster to defraud the customer.

Learning Points

ü Never rely on the results related to bank on any search engine.

ü Always check the official website of SBI (https://bank.sbi) for official and authentic information.

ü Never share your account information with third parties.

ü Do not call any anonymous number displayed on search engines.

ü App pin, UPI pin, CVV number, expiry date of debit card and 16 digit debit card number is for personal use. These should never be shared with anyone in any circumstances.

ü Never reveal your account related information on Social Media.

ü Always interact with verified handles on Social Media without sharing account specific information.

SMS Based Frauds

This is a new kind of fraud which is executed by sending unsolicited SMS to a user. The SMS contains a fraudulent link which prompts the user to submit document. The SMS is framed in such a way that it looks authentic to the users and creates a sense of panic in them. We represent below such an SMS for awareness.

Another way of committing a fraud through SMS which is rampant nowadays is sending an SMS in the name of Income Tax department for claiming refund. The same is also represented below for awareness:-

Learning Points

ü Think before clicking any link embedded in any SMS received.

ü If any SMS prompts you to visit the website of any organisation, make sure you visit the official website only and not a fake one.

ü Never login to our internet banking portal through link shared over SMS or email through any unidentified source. Instead one should type URL of the desired site.

Learning Points

ü Think before clicking any link embedded in any SMS received.

ü If any SMS prompts you to visit the website of any organisation, make sure you visit the official website only and not a fake one.

ü Never login to our internet banking portal through link shared over SMS or email through any unidentified source. Instead one should type URL of the desired site.""

Source: State Bank Of India

हर्षद मेहता ने शेयर बाजार में किस तरह पैसा बनाया

एक समय था जब सेंसेक्स 1000 से ऊपर नहीं जा पाता था, जब कभी 1000 से ऊपर जाने की कोशिश करता तब कुछ शक्तिशाली लोग बड़े बड़े कंपनियों के शेयर बेचने लगते थे ताकि सेंसेक्स गिर जाए। हर्षद मेहता चाहते थे की जो कंपनी अच्छी हैं, उनके शेयर नहीं गिरने चाहिए।

हर्षद मेहता ने भारत में फंडामेंटल एनालिसिस को लोकप्रिय किया। वह अपनी रिसर्च रिपोर्ट बनाते थे और लोग उन कंपनियों के शेयर खरीदते थे जिनके फंडामेंटल्स अच्छे हैं।

लेकिन कुछ लोगों को मार्किट के गिरने से ही फायदा था तो अपने पैसे के बलबूते पर वह लोग उन कंपनियों के शेयर को इतना बेचते थे की शेयर की कीमत गिर जाए।

फिर हर्षद मेहता ने पब्लिक सेक्टर बैंक UTI के चेयरमैन को भरोसे में लिया ताकि यह शक्तिशाली लोग जितना बेचें उस से ज्यादा हर्षद मेहता खरीद सकें और शेयर की कीमत कभी ना गिरे।

भारत में कुछ ऐसे भी लोग थे जो चाहते थे की भारत की उन्नति हो। शेयर बाजार किसी भी देश की रीढ़ की हड्डी जैसी होती है जो मजबूत होनी चाहिए। कुछ बड़े उद्योगपति ने भी हर्षद मेहता का साथ दिया और पहली बार सेंसेक्स ने 1000 का लेवल तोड़ा, फिर 2000, 3000 करके आगे बढ़ता रहा।

बाज़ार में मानो एक लहर सी आ गयी। वह शक्तिशाली लोग जिनका फायदा बाज़ार के गिरने से था, वह लोग बौखला गए, उन्हें मालूम ही नहीं पड़ रहा था की हर्षद मेहता के पास इतने पैसे कहाँ से आ रहे हैं की वह कंपनियों के शेयर खरीदते ही जा रहे हैं।

लेकिन ऐसी बातें कहाँ छुपती रहती हैं। जांच एजेंसी को पता चल गया की UTI बैंक का पैसा बाज़ार में लगा हुआ है। भारत में सरकारी बैंकों का पैसा शेयर बाजार में लगाना अवैध था। तो इसे एक स्कैम का रूप दे दिया गया।

हर्षद मेहता की नियत अच्छी थी लेकिन तरीका गलत था। आज के समय के जितने भी दिग्गज निवेशक हैं चाहे हो राकेश झुनझुनवाला हो या रामदेव अग्रवाल, सब लोग 1990 के बाज़ार की तेजी को 'हर्षद मेहता बुल रन' के नाम से बुलाते हैं और हर्षद मेहता की इज़्ज़त भी करते हैं।

हर्षद मेहता ने अपने लिए जो कमाया सो कमाया लेकिन उन्ही की वजह से छोटे बड़े सभी निवेशकों ने पैसा कमाया, म्यूच्यूअल फंड्स, इन्शुरन्स कंपनियों ने कमाया। जिन्होंने नहीं कमाया वह थे भ्रस्ट नेता, अंडरवर्ल्ड डॉन और चोर उद्योगपति जो चाहते थे की बाज़ार गिरता रहे।

Source: Quora

Why Modi Government is a Failure

Hello Friends

Today I will talk about the failures of Modi Government:

1.This government is the most egoish party that they don't care about any protest and they simply ignore them aur called them deshdrohi.

2. Education Institutions are messed up: Students are busy in protest/Dharna than study

3. Government Institutions are messed up: We know what had happened in the last 5 years in Supreme Court, CBI, RBI etc.

4. Demonetization blunder: It was disastrous decision for indian economy as it took back India by 10 years.

5.GST: This government makes decisions without any pilot experiment for 2-3 months. GST is one of them.

6. Fake Hinduism: In constitution, India is secular country. You should make population control law, Uniform civil code nothing else.

7. Media is sold out: That's the saddest part of this government, whether you do wrong or right, media will always praise modi government but truth would be different.

8.Mob lynching: People are killing in name of cows.

9. Low GDP: GDP is continuously declining after 2016.

10.High Inflation: Inflation is continuously rising.

11.Unemployment: Unemployment rate is at the highest point.

12.Economic policies: Frequent change tells you they are confused how to deal with slowdown

Coronavirus- A new Danger to the society and how to deal with it

Hello Guys

China is suffering from coronovirus , a new kind of threat to the society. Death cases of about 200+ are already reported and thousands of people are in hospitals with infections.Its a new mutative virus which is changing it's form by the time experts find its remedy.

First we have to understand about coronavirus before finding about its preventive measures:

A coronavirus is a kind of common virus that causes an infection in your nose, sinuses, or upper throat. Most coronaviruses are not dangerous.

Often a coronavirus causes upper respiratory infection symptoms like a stuffy nose, cough, and sore throat. You can treat them with rest and over-the-counter medication. The coronavirus can also cause middle ear infections in children.

The symptoms of most coronaviruses are similar to any other upper respiratory infection, including runny nose, coughing, sore throat, and sometimes a fever. In most cases, you won't know whether you have a coronavirus or a different cold-causing virus, such as rhinovirus.

But if a coronavirus infection spreads to the lower respiratory tract (your windpipe and your lungs), it can cause pneumonia, especially in older people, people with heart disease, or people with weakened immune systems.

Here are some Preventive Measures and Home Remedies for the Corona Virus:

1. To prevent infection from spreading, basic rules should be followed like washing hands regularly and covering the mouth and nose while coughing and sneezing.

2. Eat properly cooked meat and eggs. If possible avoid having non-vegetarian food during the outbreak.

3. Drink plenty of water in the event of infection. Boil water and cool it before use.

4. Use an air purifier mask or put a handkerchief on the mouth in case of sneezing.

5. Grind the leaves of Basil, Neem and Giloy to make juice. Take half a cup of it three times a day to strengthen immunity.

6. The juice of black pepper powder and neem-papaya leaves can be taken to increase immunity.

7. Boil one handful of Basil leaves and one teaspoon clove powder in one liter of water. Drink at intervals of 2 hours.

8. If the cough is accompanied with low grade fever, make a paste of black pepper powder, rock salt and honey. Take ½ tsp at 5 hour intervals.

9. Start the day with a rejuvenating Rasayana like Chyawanprash taken with cow's milk.

Sources :WebMed and Quora

Buy IRCTC stock, A new Multibagger Stock

Hello Friends

Good Morning, Met you after long time.

These days I am not writing because I was busy studying about markets and how some investors are making fortunes out of stocks.

One thing I notice that in stock market, patience is also key to the success. If you pick just good stocks for investment then you can easily make fortunes from it. I am saying it so because we know there are 5000+ listed companies in BSE and NSE, so there are many garbage stocks where operators are playing there game (operators are leachers that raises stock prices intentionally and spread rumours in forums to buy such stocks among retail investors like you and me).

So before buying stocks , research about its fundamentals then invest in it.

Today I am talking about one company which has very strong business presence in the market or we can say it has monopoly in the market right now. It is the only company which is managing railway ticketing and catering business in entire india and packed by Indian Government.

Yes I am talking about IRCTC.

Why i am saying so because this stock was listed in BSE and NSE on 644 in october 2019 but now today it has reached at 1200 on 31 Jan 2020 (200+% returns in just 4 months) and it's just a beginning.

So if you want to make fortunes, buy this multibagger before it's too late.

Rest is your choice

Thanks

Happy Investing

Open Free Delivery Trading account at Upstox

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How promises become blunders and Modi government an Anti National Party of All Time

Hello Friends

When i was writing this post, i had bit confusion in my mind, whether should i write this post against Modi Government or not. The sense of fear that has been created during these 5 years (2014-till now) was not there in last 60 years of independence. There were successful protests, marching against ideology of previous governments but this government has some ego problems.

Their main Ego is: "They hate Criticism and they can kill critique". The line which is bold is first quality of Dictatorship. But still democracy prevails in India, so i can write this.

So lets move to the title of the story.

We elected BJP not Narendra Modi in 2014 Loksabha Elections not because of our love to BJP but because, we were fed up by 10 years of Manmohan Singh Led UPA govt. We were fed up by the news of corruption charges on UPA politicians, rising inflation and petrol-diesel rates, rape and molestation of women. I know that time, it was 2014 elections when 2014 T20 world Cup was going on in Bangladesh and whole India was watching Cricket and modi ji used his marketing strategy during world cup. After each over break, there was Advertisement -" ABKI BAAR MODI SARKAR", "KAB TAK SAHOGE PETROL KI MAAR, ABKI BAAR MODI SARKAR".

We all know the fact that the things which are repeated in front of our eyes stick to our subconscious mind for longer duration. That World Cup strategy and falling UPA govt trick worked for BJP and they won the election of 2014.

Now blunders of promises started with the help of various media houses:

1. Fake Nationalism: A true native has nothing to prove his love for nation but modi government has made some parameters to prove it. If one tries to speak against anything Central Government, he/she become Anti National/ DeshDrohi. JNU scandal, Kejriwal comment on Surgical Strike, Bollywood offering work to Pakistani Actors, changing city names etc etc are examples of all this.

2. 15 Lakh Rupees Promise: On 8 November 2016, Modi Government announced demonetisation of Rs 500/- and 1000/- with promise to remove black money and terrorism funding and he also promised the public in elections to bring back black money and to give 15-20 lakh rupees to each indian. Watch this Video and understand his melodrama

3. Show off: This modi government is second name of Show off. Modi ji never missed the chance of showing off in public whether it was in big auditorium in foreign countries or in regional areas streaming live in some sold media houses.

4 Conflict Government: I guess, this is the first government which has problems with an individual to an Institution. Their unknown spokesperson order various muslim celebrities to leave country when they put their thinking in media. Apart from that Supreme Court judges, CBI, RBI, CM-Governor conflict with govt is well known now.

5. Muslim Issue: Set aside the triple talak, this government has problems with muslims (RSS).

6. Rising Inflation: Modi government had come in to the power with a big promise of suppressing inflation and petrol rates but now we all know what is happening. Watch this video

7. No black Money return: I am still waiting for my 15 lakh rupees.

8. Terrorism Problem still persists: Demonetisation promised restriction of terror funding but still J&K is in fire.

9. Neerav-Mallya Duo: The double scam of Neerav-Mallya is nice promotion of Bhaag _____ Bhaag.

Thats all from me, I know you have also many questions against this government. 

BHARAT MATA KI JAI

I hope you like this, so kindly comment below the post and do share your response. Thanks for reading :)

Worst Condition and salary of Bank Employees

It has always been matter of country's economical conditions and various methods to evolve as high as possible.
But one of the key people who takes part in this process are bankers who are in worst condition today.

RBI governor Dr Rajan Spoken boldly.....Banks have been forced to conduct loan melas to disburse loans sacrificing quality of loaning process and banks have been forced to write off loans so that vote banks of ruling party is safe and become greater. Banks have been used to carry out all non - productive services like tax collection or salary payment or disbursing subsidy oriented loans under various government sponsored schemes or reckless branch expansion in the name of service area approach or PM Jan Dhan Yojana. Further to make the situation worse, banks have been directed and allowed by previous government to do non- banking business like insurance, mutual fund, demat etc. In this way banks sacrificed the safety of bank's core assets and wasted time in capturing insurance business from own customers. They could earn a few crores of rupees in commission on selling insurance policies but they lost hundreds and thousands of crores of rupees by financing to bad borrowers or by neglecting monitoring loan asset or by writing off bad loans. There is a saying " Penny wise pound foolish"Naked Truth! Starting January 2014, a Reservation Clerk in Railway will earn Rs.35,370 after taking into account the recent 10% DA hike announced by the Govt.On an average there will be jump in salary to the extend of 2.6times after every pay commission. So after 7th pay commission, if we consider the worst case scenario and suppose salary will jumpby 1.6times, from 2016 a booking clerk will get Rs.57,250 as agaisnt the 18000 drawn by Bank Clerk and 30000 drawn by Bank Officers.The entire thing has to be read against the backdrop that during the year 2012-13, Railways made aloss of Rs.24,600 and the minister was quick in attributing the loss to the gloomy Economic Scenario prevailing in the country.It is worth to mention here that IBA restricted the wage revision to 5% citing poor profitability of Banks, whereas data reveals that during the last 5 years, Gross Profit of PSBs jumped by141% to Rs.1,07,731Cr.Can anyone explain the rational prevailing in this GREAT country in giving Rs.57000 salary to a booking clerk who key- in nothing but passenger detail and a bank officer who appraise and sanctions credit worth crores of rupees!Let us project as an example the salary received by a Booking Clerk in Railway and the working-conditions compared to a Bankers. Give maximum publicity to these irritating facts in all the forums!

Jayalalithaa, Our Dear Amma, RIP

The chief minister of Tamil Nadu, leader to many Tamils and 'Amma' to millions, J Jayalalithaa died on Monday, 5 Dec, 2016 after undergoing treatment at Apollo Hospitals in Chennai for 73 days. She was 68.

Jayalalithaa+ , who was admitted to hospital on September 22 with complaints of fever and dehydration, suffered a cardiac arrest on Sunday evening. On Monday, Jayalalithaa continued to be very critical and was on extracorporeal membrane oxygenation (ECMO) and life support systems. And the end came at 11.30pm.

 

Born on February 24, 1948, Jayalalithaa entered films when she was 16 years old. Making her debut as lead actress in a Kannada film, she was launched into Tamil films starring as the heroine in MGR's "Ayirathil Oruvan." Jayalalithaa and MGR acted together in 28 films, many of them super hits. She acted in more than 140 films in Tamil, Telugu, Kannada, Malayalam, Hindi and English.

Her formal entry into politics happened in 1982 when she was inducted into AIADMK by her mentor and former co-star MGR. She was given key responsibilities, including in the implementation of the landmark noon-meals scheme that taught her lessons in welfare politics. When MGR fell ill, she campaigned extensively for the party that won the 1984 election. After his death in 1987, she took charge of the party and became chief minister in 1991. Since then she had been chief minister for three terms, coming back to power for the fourth term in 2016.

Her political life was marred by corruption allegations. She was convicted in four corruption cases and had to step down from chief minister twice but higher courts acquitted her and she was able to come back to power. 
She was such a popular leader that every person used to pray for her in her sickness and they respected her like a deity, she lived to serve her people and society in general. She kept people united and always conveyed the message of PEACE, HARMONY and PROSPERITY.

We stand united in such a loss and We pray to almighty to give strength to all of us, May her Soul REST IN PEACE. 

Constitution day: 26th November

26 November 2016
-------------------------------

The Constitution Day of India is being observed on 26th November to spread awareness of Indian Constitution. On this day in 1949, constitution of India was adopted and came into force on January 26, 1950 marking the beginning of a new era in the history of free India.

The Union Ministry of Social Justice and Empowerment (MSJE) is the nodal Ministry for the celebration of Constitution Day. This year it is second edition of the Constitution Day. On this occasion Prime Minister Narendra has released two books on Constitution ‘Making of Constitution’ and ‘New Version of Constitution of India‘.

So, let's discuss some questions related to this post:
Q1. On which Date Constitution Day is observed?
Answer: 26th November

Fight Against Black Money and Corruption

As you are aware, our honourable Prime Minister Mr. Narendra Modi has announced demonetisation of old notes of Rs.500 and Rs.1000. This is a very radical and revolutionary step taken by our Prime Minister. No ordinary leader can even think of such tough steps to deal with the plague of black money. This has long term benefits for all countrymen -

 

Black money hoarders will have a tough time. Now they will be left with no option other than depositing the money in their bank account or burning the stashed notes.Fake notes circuit will be dismantled immediately.Illegal election funding of political parties will stopBank deposits will spike. Since banks will have more money to dispense, loan rates will come down.Inflation will be come down drastically.Jewellery and real estate prices will come down, since people will have no black money to invest in such assets.

But, size of this operation is so huge that this move is doing to have an impact on our day to day life. In short term, this move is going to be very painful for all of us. Since old note of Rs.500 and Rs.1000 are not valid anymore, everyone is struggling to get hold of new currency from ATM or bank. Because of which, there are long queues outside banks and ATMs everywhere.

This is the moment, when we have to support each other. This is the time that we should stand united. This is the moment when we should tell our leader Mr. Modi that we are with him in this fight against corruption and black money.  Please take care of following -

Do not rush at all. You have time until December 30, 2016, to exchange your notes and deposit your money. In fact, even after December 30, 2016, these old notes can be exchanged from the RBI offices till March 31, 2016.Your money is safe, if you have earned money legally. Do not worry at all.Try to do all transaction in cheque or through debit/credit cards.Help fellow citizens and people of lower strata like maids, drivers etc in procuring the bare minimum cash to survive for the time being.Do not deposit others black money in your bank account. A lot of people are also accepting and depositing the cash balances of their friends and relatives blindly in their own account without proper documents. This can lead you invariably towards scrutiny on source of generating cash without proper KYC and correct source.

We believe, this cash shortage in the system will continue to be there for atleast next 15-20 days. We request all our readers to support this big reform by our prime minister in all they way you can. Together we can create a better society for ourselves and coming generations. Jai Hind!

PS: We do not support any political party.

Images of Dangerous Smog of Delhi on 5 November 2016

Hello friends 

What Delhi saw today was totally shocking as whole Delhi was covered by dangerous smog. It is very dangerous condition for Delhi because each corner of Delhi was recorded above 500 PM. People were suffering from different kind of respiratory and irritation problems.

I don't know what to say but i can show the images of today's smog to lighten up this disastrous condition of Delhi.

I just want to say to the government to take immediate and strict action to make Delhi livable.

Thanks

I hope you like this, so kindly comment below the post and do share your response. Thanks for reading :)

Youth Renaissance Day

On 15 October 1931 , a gem was born in india at Rameswaram Tamil Nadu. Today the whole world knows him as the missile man of India. A man of principles who inspired millions not only in india but to the whole world to never back down any challenges and face it with confidence. A man named as Avul Pakir Jainulabdeen Abdul Kalam was a scientist and engineer, who served as the President of India from 2002 to 2007. Mr Kalam known for his simplicity and sharp mind , today the whole nation misses his beloved president on his birthday.

 

“If you want to shine like a sun. First burn like a sun.” - A.P.J Abdul Kalam  

Abdul Kalam was born as the youngest of five children of a Muslim boat owner named Jainulabudeen and his wife Ashiamma, in Rameswaram, Tamil Nadu. His ancestors had once been wealthy traders though his family lost much of its fortunes by the early 20th century. He completed his schooling from Ramanathapuram Schwartz Matriculation School and proceeded to study physics at the Saint Joseph's College, Tiruchirappalli, from where he graduated in 1954. Then he studied aerospace engineering in Madras Institute of Technology, graduating in 1960. Mr Kalam childhood ambition was to become a fighter pilot but he narrowly missed achieving his dream as he placed ninth in qualifiers, and only eight positions were available in the IAF.

" Be more dedicated to making solid achievements than in running after swift but synthetic happiness." -A.P.J Abdul Kalam  

In 1960 after completing his graduation Mr Kalam joined the Aeronautical Development Establishment of the Defence Research and Development Organization (DRDO) as a scientist. One of the first projects he worked on was to design a small helicopter for the Indian Army. Mr Kalam was famous among his colleague as a hardworking and smart person. In 1969 Kalam was transferred to the Indian Space Research Organization (ISRO) as a project director of India's first Satellite Launch Vehicle (SLV-III) which successfully deployed the Rohini satellite in near-earth orbit in July 1980.

" Without your involvement you can't succeed. With your involvement you can't fail. " - A.P.J Abdul Kalam

Mr Kalam got an opportunity to visit  NASA's Langley Research Center in Hampton, Virginia; Goddard Space Flight Center in Greenbelt, Maryland in 1963 to 1964. Mr Kalam known for his effort to develop the Polar Satellite Launch Vehicle (PSLV) and SLV-III projects, both of which proved to be successful. In the 1970s, Kalam also directed two projects, Project Devil and Project Valiant, which sought to develop ballistic missiles from the technology of the successful SLV programme. Project Devil and Project Valiant two important projects to develop ballistic missiles from the technology of the successful SLV programme under the Kalam direction earned the great respect and admiration from the scientific fraternity.

"All of us do not have equal talent. But , all of us have an equal opportunity to develop our talents.” - A.P.J Abdul Kalam
 

In 1980s the Integrated Guided Missile Development Program (IGMDP) was launched with Kalam as the chief executive and Under the guidance of Kalam, several missiles including Agni, an intermediate range ballistic missile and Prithvi, the tactical surface-to-surface missile, were developed in india.

Mr Kalam became the 11th president of the Republic of India on 25 July 2002 with the support of both the ruling Bharatiya Janata Party and the opposition Indian National Congress. Mr Kalam was the first scientist to occupy Rashtrapati Bhawan. Mr Kalam was one of the most beloved president of india with a lot of respect from every citizen of india.

Abdul Kalam was also a noted author who had penned different books like - India 2020: A Vision for the New Millennium (1998), Wings of Fire: An Autobiography (1999), Ignited Minds: Unleashing the Power Within India (2002) and A Manifesto for Change: A Sequel to India 2020 (2014).

A.P.J. Abdul Kalam was honored with several prestigious awards from the Government of India including the Padma Bhushan in 1981, the Padma Vibhushan in 1990, and the Bharat Ratna in 1997. He was also the recipient of the Von Braun Award (2013) from the National Space Society "to recognize excellence in the management and leadership of a space-related project".

On 27 July 2015 Mr kalam was scheduled to deliver a lecture at Indian Institute of Management Shillong. Only five minutes into his lecture, he collapsed and was rushed to the Bethany Hospital where he was confirmed dead of a sudden cardiac arrest.

After his death Tamil Nadu government decided to observed his birthday as "Youth Renaissance Day" .'Dr APJ Abdul Kalam Award' also introduced for those persons who strive towards promoting scientific growth.

"Thinking should become your capital asset, no matter whatever ups and downs you come across in your life."  - A.P.J Abdul Kalam

Today the india is celebrating the 1st "Youth Renaissance Day" on 15 oct 2016. Mr Kalam was a multi-faceted personality, often described as 'Missile Man' and 'Nuclear Hero' of India . He dedicated his whole life for the development of humanity and science. Mr Kalam always focused on the development of scientific temperament in the growth of every child. We all need to learn from the sacrifices and hard work that he had made for the success.  According to him Failure will never overtake him if his determination to succeed is strong enough. Friends remember the golden words of A.P.J Abdul Kalam who said that : "Don’t take rest after your first victory because if you fail in second, more lips are waiting to say that your first victory was just luck ". Kalam was an incarnation of dedication and failure whose modesty and believe made him great personality of decade. 

Friends life is full of ups and down but we have to cross all these obstacles successfully. Failure only make oneself strong as it open thousands other options and made one to realize about his weakness. Today we all are celebrating the birthday of our most popular president ,so we all need to learn from his failure and hard work which pave the path of success for many youth all over the world.

Happy Birthday to Dr APJ Abdul Kalam

What is BIMSTEC ?

In the modern era the impact of globalization can be seen in form of regional cooperation’s in order to promote the relations with neighboring countries and others countries of the world. India being one of the most prominent country in term of economy attracted whole world towards its market. Today world is looking towards china and India for the better cooperation and good relationship. In this sphere , involvement of India along with its neighboring countries (Pakistan free organization) has boost the India’s vision of look east policy. In this context we will talk about BIMSTEC an international organization involving a group of countries in South Asia and South East Asia. These are: Bangladesh, India, Myanmar, Sri Lanka, Thailand, Bhutan and Nepal.

BIMSTEC is a regional organization comprising seven Member States lying in the littoral and adjacent areas of the Bay of Bengal constituting a contiguous regional unity. BIMSTEC came into existence on 6 June 1997 through the Bangkok Declaration. Initially, economic bloc was formed with four Member States with the acronym 'BIST-EC' (Bangladesh, India, Sri Lanka and Thailand Economic Cooperation).On 22 December 1997  Myanmar and February 2004, Thailand was included to the group. BIMSTEC has also established a platform for intra-regional cooperation between SAARC and ASEAN members.

The First Summit Meeting held in 2004 achieved milestone of signing  a Framework Agreement for a BIMSTEC Free Trade Area, the launch of the Visit BIMSTEC Year 2004-2005, a year-long Plan of Action on tourism, and the establishment of the BIMSTEC Center in Bangkok.

The 13th Ministerial Meeting also chaired by Myanmar, which was held in Nay Pyi Taw, Myanmar on 22 January 2011. Nepal formally took over the new Chairmanship as on 4 March 2014. Sumith Nakandala of Sri Lanka became the first Secretary General of BIMSTEC. Fourth BIMSTEC Summit 2015 was held in Nepal.

Some of the  objectives of BIMSTEC are:

1.To create and promote healthy environment for economic development through cooperation in different sectors like trade, investment and industry etc.

2.To promote active collaboration and mutual assistance on matters of common interest in the economic, social, technical and scientific fields.

3.To cooperate in projects that can be dealt with most productively on a sub-regional basis and make best use of available synergies among BIMSTEC member countries.

4.BIMSTEC cooperation under Counter-Terrorism and Transnational Crime has been divided into 4 sub-groups with lead shepherds - Intelligence Sharing (Sri Lanka); Combating Financing of Terrorism (Thailand), Legal and Law Enforcement Issues (India) and Prevention of Illicit Trafficking in Narcotics Drugs, Psychotropic Substances and Precursors (Myanmar).

Many more objectives are there on which BIMSTEC is working in order to improve and promote relations among members of BIMSTEC.

The founding principles of BIMSTEC are as follows:

1.Cooperation within BIMSTEC will be based on respect for the principle of sovereign equality, territorial integrity, political independence, no-interference in internal affairs, peaceful co- existence and mutual benefit.

 

2.Cooperation within BIMSTEC will constitute an addition to and not be a substitute for bilateral, regional or multilateral cooperation involving the Member States.

Inviting BIMSTEC on the side line of annual BRICS (Brazil, Russia, India, China and South Africa) summit in Goa on October 15-16 instead of SAARC has clearly placed a decision that relocates India’s ‘neighborhood first’ policy to its east. BIMSTEC is an opportunity for India to invest and invite southeastern countries to be a part of India’s development. BIMSTEC countries can also play a prominent role for the support of permanent membership in the United Nations Security Council. For India BIMSTEC is a game of gain along with its strategic position which connect east to west. India need to utilize the BIMSTEC in a strategical and beneficial manner for the development of India and the world.

ALL THE BEST

Anti-Defection Law

India being a parliamentary form of government and multilevel party at the different level throws an opportunity of horse trading and game of corruption by parties in order to gain majority and form government at different level. Member of the political parties uses the concept of party hopping in order to gain the position offered by another party. In order to curb this concept of party hopping the anti-defection law was passed by parliament in 1985. Anti-Defection Law is in the Tenth Schedule of the Constitution, which was introduced by the 52nd Amendment in 1985 during tenure of Rajiv Gandhi.

What do you mean by Defection?

Defection defined as “to abandon a position or association, to join an another group or party”. Defection  describes a situation in which a member of any particular party abandons his position or support to another party in order to gain political position. Articles 101, 102, 190 and 191 were changed through this amendment. This amendment laid down the process by which legislators may be disqualified on grounds of defection.

The Tenth Schedule to the Constitution, popularly known as the Anti-Defection Law, introduced by the Constitution (Fifty-second Amendment) Act, 1985 as amended by the Constitution (Ninety-First Amendment) Act, 2003 lays down the conditions regarding disqualification, on ground of defection. 

The main provisions of the Tenth Schedule are summarized below:

(i) An elected member of Parliament or a State Legislature, who has been elected as a candidate set up by a political party and a nominated member of Parliament or a State Legislature who is a member of political party at the time he takes his seat would be disqualified on the ground of defection if he voluntarily gives up his membership of such political party or votes or abstains from voting in the House contrary to any direction of such party.

(ii) An independent member of Parliament or a State Legislature will also be disqualified if he joins any political party after his election.

(iii) A nominated member of Parliament or a State Legislature who is not a member of a political party at the time of his nomination and who has not become a member of any political party before the expiry of six months from the date on which he takes his seat shall be disqualified if he joins any political party after the expiry of the said period of six months.

(iv) Provisions have been made with respect to mergers of political parties. No disqualification would be incurred when a legislature party decides to merge with another party and such decision is supported by not less than two-thirds of its members.

(v) Special provision has been made to enable a person who has been elected to the office of the Speaker or the Deputy Speaker of the House of People or of the Legislative Assembly of a State or to the office of the Deputy Chairman of the Council of States or the Chairman or the Deputy Chairman of Legislative Council of a State, to sever his connections with his political party without incurring disqualifications.

(vi) The question as to whether a member of a House of Parliament or State Legislature has become subject to the disqualification will be determined by the presiding officer of the House; where the question is with reference to the presiding officer himself it will be decided by a member of the House elected by the House on that behalf.

(vii) The Chairman or the Speaker of a House has been empowered to make rules for giving effect to the provisions of the Tenth Schedule. The rules shall be laid before the House and shall be subject to modifications/disapproval by the House.

This issue of Anti-defection law was addressed by the five-judge Constitution Bench of the Supreme Court in 1992 (Kihoto Hollohan vs Zachilhu and others). The court said that “the anti-defection law seeks to recognize the practical need to place the proprieties of political and personal conduct…above certain theoretical assumptions.” It held that the law does not violate any rights or freedoms, or the basic structure of parliamentary democracy.

Presiding officer of different houses were made the sole authority to take final decision on the matter of disqualification of any member. The law states that the decision is final and not subject to judicial review. The Supreme Court struck down part of this condition. It held that there may not be any judicial intervention until the presiding officer gives his order. However, the final decision is subject to appeal in the High Courts and Supreme Court.

Recently some of the favorable decisions made by the presiding officers in order to protect or delay the decision about disqualifying any member of his/her parental parties or near- dear one. Recent examples of Arunachal Pradesh and Telangana has shown the loopholes of the anti-defection law. Indian government has to consider this issues as some changes are needed to be done in order to curb these issues. Government has to introduce the concept of time based manner of decision making for the presiding officers in order to short the problem of disqualification and secondly the final authority must be transferred to election commission while taking the decision of disqualification for any member.

List of Important stadiums in India

1.Wankhede Stadium -Mumbai, Maharashtra

2.HPCA Stadium -DHARAMSHALA, HIMACHAL PRADESH

3.Feroz Shah Kotla Ground- Delhi

4.M.A. Chidambaram Stadium -Chennai , Tamil Nadu

5.Eden Gardens-Kolkata , West Bengal

6.Gymkhana Ground -Mumbai , Maharashtra

7.Jsca Stadium -Ranchi, Jharkhand

8.Khanderi Cricket Stadium -Rajkot , Gujarat

9.Subrata Roy Sahara Stadium -Pune , Maharashtra

10.Dr. D.Y. Patil Stadium -Mumbai , Maharashtra

11.Rajiv Gandhi International Stadium -Hyderabad , Andhra Pradesh

12.Indira Gandhi Stadium -Vijayawada, Andhra Pradesh

13.Jawahar Lal Nehru Stadium -Kochi, Kerala

14.Fatorda Stadium -Margao, Goa

15.Maulana Azad Stadium -Jammu , Jammu & Kashmir

16.Nehru Stadium - Pune, Maharashtra

17.Sardar Patel Stadium -Ahmedabad , Gujarat

18.Barabati Stadium-Cuttack, Orissa

19.Lal Bahadur Shastri Stadium -Telengana , Andhra Pradesh

20.Green Park Stadium-Kanpur , Uttar Pradesh

21.Brabourne Stadium-Mumbai , Maharashtra

22.Guru Gobind Singh Stadium-Nanded, Maharashtra

23.Dilip Tirkey Stadium -Ranchi, Jharkhand

24.Dhyan Chand Astroturf -Lucknow, Uttar Pradesh (Hockey)

25.Guru Nanak Stadium -Ludhiana, Punjab (Football)

Indus Water Treaty

At the time of independence, the boundary line between the two newly created independent countries i.e. Pakistan and India was drawn right across the Indus Basin, leaving Pakistan as the lower riparian. Moreover, two important irrigation head works, one at Madhopur on Ravi River and the other at Ferozepur on Sutlej River, on which the irrigation canal supplies in Punjab (Pakistan) had been completely dependent, were left in the Indian territory. A dispute thus arose between two countries regarding the utilization of irrigation water from existing facilities. In order to solve the water dispute between these two countries Indus Waters Treaty was signed between India and Pakistan.

The Indus Waters Treaty is a landmark water-distribution treaty between India and Pakistan signed in Karachi on 19 september 1960 by the Prime Minister of India Jawaharlal Nehru and President of Pakistan Ayub Khan. But the World Bank brokered the 1960 agreement that regulates the flow of six rivers between India and Pakistan.

The Indus Waters Treaty gave control over the three "eastern" rivers — the Beas, the Ravi and the Sutlej to India, while control over the three "western" rivers — the Indus, the Chenab and the Jhelum —to Pakistan.The treaty is considered to be one of the most successful watersharing endeavours in the world today.

The source of the Indus basin begin in Tibet and the Himalayan mountains in the states of Jammu and Kashmir and Himachal Pradesh. They flow from the hills through the states of Punjab, Himachal Pradesh and Jammu and Kashmir and Sindh, converging in Pakistan and emptying into the Arabian Sea south of Karachi. Both India and Pakistan are still at loggerheads over various issues since Partition, but there has been no fight over water after the Treaty was ratified.The agreement set up the Permanent Indus Commission to adjudicate any future disputes arising over the allocation of water.The treaty administers how river Indus and its tributaries that flow in both the countries will be utilised. The Treaty also provides arbitration mechanism to solve disputes amicably.

Despite several attempts from pakistan in order to disturb india. India has never revoke the treaty or taken any action which affect the common people of pakistan. Recent Uri attack in Kashmir on Indian army forces  India to stand against Pakistan and think out of its context of peace and negotiation .Indian PM Modi addressed the issue with a strong statement in his speech where he conveyed the message that "blood and water can't flow together".

Water is the essential need of everyone irrespective of cast , colour and boundaries .India always promotes the cordial relation with its neighbouring nation and always favors the environment of negotiations and cooperation with its neighbouring countries. India known for its peaceful tactics and support to other nations and always believe that war is not the solution of any problem. But India is capable enough to protect its territories and its citizen at any cost. India has proven this thing in past and is capable enough to repeat the history once again.

ALL THE BEST

Liberalization , Globalization and Privatization

Liberalization , Globalization and Privatization are the three main pillars of modern global economy.In the Modern era Economy is one the most important thread which connects the nations across the globe. Need of one nation can be fulfilled by other and vice-versa. Concept of LPG made the whole world a single unit.

What do you mean by Liberalization , Globalization and Privatization ?

Liberalization : It defined as making economy free to enter in the market and establish there venture in the country. Liberalization refers liberal of economy in terms of movements of flow of goods and services within and out of  nation. Liberalization promotes the development of any nation.

Privatization : It defined as when the control of economic activities got shifted to private hand instead of public hand . Privatization is necessary for expanding one's economy and enhance the global connectivity. Privatization strengthen the private sectors.

Globalization : It describes the process by which regional economies , societies and cultures have integrated across the globe. Globalization made the whole world as a single unit . Interdependence of one nation on other reduces the barriers of modern era .

Role of LPG (Liberalization , Privatization and  Globalization) in Indian Context

The economic liberalization in India initiated in 1991.Before 1991 Indian adopted to close the indian economy to the outside the world. India also operated a system of central planning for the economy, in which firms required licences to invest and develop.At that time most of the industries were under the government control,The labyrinthine bureaucracy often led to absurd restrictions. A Balance of Payments crisis in 1991 pushed the country to near bankruptcy. Value of indian currencies were fallen drastically.

LPG in india is mainly due to the glorious effort of former finance and prime minister of India Mr Manmohan Singh who initiated the economic liberalization of 1991 in India.This Policy of LPG had made various reforms in india like foreign exchange Regulation Act 1973 was repealed and Foreign exchange Management Act was passed. Licencing system was removed and only few industries were kept under the preview of Licencing system.

Highlights of LPG.

Foreign Technology Agreements 

Foreign Investment 

MRTP Act, 1969 (Amended) 

Industrial Licensing 

Deregulation 

Beginning of privatization 

Opportunities for overseas trade 

Steps to regulate inflation 

Tax reforms 

Abolition of License -Permit Raj 

Advantage of LPG:

LPG initiate rapid economic growth to raise the standard of living.

Reduced the widespread unemployment and poverty.

India became self-reliant and set up a strong industrial base with emphasis on heavy and basic industries.

Reduce inequalities of income and wealth in india.

LPG help to  attract foreign capital and technology to India.

Procedures for imports and exports got simplified.

Removal of restrictions on the movement of goods and services.

LPG help to open and expand the indian markets to the world.

Concept of LPG has changed the status of india. India got its independence in 1947 but the real way of development started since 1991 when india has adopted the LPG model. Till 1990 india stand no where in global market but since 1991 india has progressed alot . Today indian market is one of the most valuable market . Indian economy is one of the fastest growing major economy of the world.India’s growth rate, at 7.4 per cent in 2014, makes it the fastest growing major economy.India is now a $2-trillion economy and it has added $1-trillion in just seven years.World bank has also predicted that  within  5 to 7 years indian economy will be the largest economy of the globe.

Indian Army

India has one of the best army in the world.Indian Army is home to some of the bravest men in the world. Indian army is world’s third largest and its soldiers are considered best in high altitude battles. The Indian Army guards one of the most notorious international borders. Indian northern border behaves like a battle-field all around the year. But, thanks to the God & the Indian soldiers because of them we are safe .These brave men and women at the Indian army stay away from their families, miss every significant things in their lives and sacrifice their lives so that we can be with our loved ones and sleep peacefully at night.

MODERN HISTORY OF INDIAN ARMY

India has been ruled over by several foreign kingdoms but her interests and borders were always secured by the sons of the soil. Even under the British rule, role was differnt but still these brave men were there for the nation but not in uniform. Feeling of nation and sacrifice for the soil made every indian a solider who fought against the british rule for the soil. Britishes organised  army completely on a foreign pattern, designed to suit their ends in the country and to fight their battles in other countries that dont have any thing to do with india. The Indian National Army (INA) or Azad Hind Fauj was found by Netaji Subhas Chandra Bose with the assistance of Japanese army .Indian National Army (INA)  was formed  with an aim to liberate India from the clutch of British  people . It was initially composed of Indian prisoners of war captured by Japan in the Malayan campaign and at Singapore and later drew the direct assistance of thousands of Indian living in Myanmar. The INA also was at the forefront of women`s equality and the formation of a women`s regiment, the Rani of Jhansi regiment was formed as an all volunteer women`s unit to fight the British occupiers as well as provide medical services to the INA. 

Procedure to be a part of Indian army

After 12th class:

National Defence Academy: The candidates who have completed the 12th Std examinations are eligible to join the NDA. 

10+2 Tech Entry: PCM percentage scored in class 12th and SSB performance only.

Armed Forces Medical College, AFMC Pune

After Graduation :

CDS , OTA , University entry Scheme(UES), Technical Graduates Course (TGC) , NCC Special entry and AEC entry.

Rankes in Indian Army

Current military capabilities and available firepower of indian army

Manpower

Active Frontline Personnel : 1,325,000 (approx)

Active Reserve Personnel : 2,143,000 (approx)

Fighting Power

Tanks: 6,464

Armored Fighting Vehicles : 6,704

Towed - Artillery : 7,414

Multiple - Launch Rocket Systems : 292

Partition of India in 1947 has created Pakistan a permanent enemy to India , who always look to disturb india with villainous activities . Redcliff line denotes the boundary between India and Pakistan . After the 69 years of independence the issue of kashmir is still unresolved and pakistan claim for Kashmir is still in vain . Pakistan always got denied by the international agencies on the issue of Kashmir and always uses foul activities in form of terrorist against india. We have fought four battles against Pakistan and every time they have to run away from the battle field.Indo-Pakistani War of 1947 (First war of Kashmir),Indo-Pakistani War of 1965( Operation Gibraltar),Indo-Pakistani War of 1971 (Bangladesh Liberation War) and Indo-Pakistani War of 1999 (Kargil war).The Siachen glacier is the world’s highest battlefield, at 21,000 feet. Soldiers are taught to survive first and then fight. Soldiers are trained at Siachen Battle School for three weeks in icecraft before they go there.Incidents like pathankot , Uri , J&k and etc where we have lost many soldiers as a martyrs will only make every indian parents to proud on their son. 

Soldiers never off from the duty , as a soldier nation come first and then regiment and if anything left then family. Soldiers are the real hero of the nation , we dont know them and even they dont know to us but what they know that we all are Indians and as a soldier nation come first for them.Indian Army is the most trusted organisation in India.  Progress of any nation can only be possible when its boundary  is safe and secure . Everyday and night with a lots of pain  these soldiers sever with a smile . We all salute these brave hearts for their sacrifices and making us to live in a pleasant and safe environment

..............Jai Hind.........