Dr M Khalid's global village blog

 Shivaji's Muslim Commanders: Ibrahim Khan Gardi: He was one of Shivaji's earliest and most trusted Muslim commanders. Ibrahim Khan Gardi played a significant role in the Maratha king's military campaigns and was known for his loyalty. Darya Sarang: Darya Sarang, also known as Darya Khan, was another prominent Muslim commander in Shivaji's army. He was a skilled naval commander and played a crucial role in expanding Shivaji's influence along the Konkan coast. Aurangzeb's Hindu Commanders: Raja Jai Singh I: Raja Jai Singh I was a prominent Rajput noble and military commander in the Mughal Empire during the reign of Aurangzeb. He was known for his administrative skills and military prowess. Jai Singh I played a crucial role in various Mughal campaigns, including those against the Marathas. Raja Ram Singh: Raja Ram Singh, another Rajput noble, was a commander in the Mughal army during Aurangzeb's reign. He is known for leading the Mughal forces in the Deccan an...

  Mindster: Mindster is an app development company that specializes in creating mobile apps for various platforms like iOS, Android and cross-platform. Openxcell: Openxcell is a full-service app development company that offers a wide range of services, including app development, testing, and deployment. Konstant Infosolutions: Konstant Infosolutions is an app development company that specializes in creating mobile apps for iOS, Android, and Windows platforms. Hyperlink Infosystem: Hyperlink Infosystem is a mobile app development company that creates apps for various platforms, including iOS, Android, and Windows. ValueCoders: Valuecoders is an app development company that has a team of experienced developers who can create mobile apps for iOS, Android and Web AppSquadz Technologies: AppSquadz Technologies is a leading mobile app development company, that specializes in creating high-quality mobile apps for iOS, Android, and cross-platform. TechAhead: TechAhead is a leading mobile a...

1. Stop waiting for the "right time." It doesn't exist. 2. Remove yourself from situations where you don't feel valued or respected. 3. Problems will always exist. Learn to enjoy life while solving them. 4. Nobody but you is to blame for your problems. 5. Fix yourself before you try to fix the world. 6. The most difficult mission on earth is to focus on your dreams; the easiest is to complain. 7. Don't follow your passion, follow your purpose. 8. You don't need 100 self-help books; you need consistency and self-discipline. 9. Don't trust people's words; trust their actions. 10. You don't need a lot of friends, just the right ones. 11. If you want to be strong, learn to be alone. 12. If you're passionate about success, don't blame the distractions, improve your focus. 13. You become 10x more mature if you can control your emotions, be proactive and react less. 14. Don't let pain break you, use it to create yourself and be stronger than y...

Although your bank account cannot be hacked by merely knowing your Aadhaar number, it can be misused, and you can become a victim of identity theft, cyber scams, and others.   E-Aadhaar is an electronic copy of your physical Aadhaar card, and it is also a valid proof of KYC for a host of services. So if you are using a cyber cafe to log into the website of UIDAI and download your e-Aadhaar card, you could be exposing yourself to a cyber security risk.    Pinakin Dave of OneSpan, advises people to log out of the system and make sure to delete all the downloaded copies permanently. If you don't do that, "fraudsters will be able to steal your information, including thumbprints, biometric data, and other details." They can also download digital fingerprints using various methods and transfer them to a physical surface.    According to a Delhi-based market research company, LocalCircles, 33 per cent of Indian consumers store their bank account, debit or credit card and ATM pas...

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You may get an unexpected SMS message as this: Dear Customer,  INR  1 credited to A/c no.  XXXXX  on 23-01-21 at 11:35:44  IST . Info:  IMPS /P2A/10231135xxxxx/Accvalid/ Hxxxxxxx OR an email as this: INR 1.00 credited to A/c no. XX1251 on 02-11-22 at 16:37:20 IST. Info- IMPS/P2A/2306160xxxxx/KARZATEC/IDFCBank/. Avl Bal- INR 50813.53 - Axis Bank This is a part of account verification process by CAMS. CAMS is a Registrar and Transfer Agent for mutual funds. It credits ₹1 to verify the bank account registered with the mutual fund folio. The return file that is generated by the credit gives CAMS the name of the account holder as per the bank account. If there is a mismatch between the two, CAMS looks at the name on the KYC (Know your Customer) document to decide which name to use.

We should know: What is market research all about? It's more than a formality. This step could determine how far you can take your business. We'll tell you what good market research looks like, and what it can deliver. Why market research for startups is as important as it is to every type of business. How you conduct market research for startups in a way that'll give you actionable data. And we'll finish off with some examples of how market research changed the course for several startups Conducting market research is important for attracting investors If you want to impress potential investors, you'll need more than a shiny prototype. What investors really care about is how likely it is that they will make money out of this. And for that, they'll need to see research that backs up your claims. A big part of your business plan should therefore be market research. Why startups fail That all sounds pretty straightforward so far, right? Then why do startups still ...

A. Seed Stage: What to consider during the seed stage so that your business is on a robust foundation. # Idea What is your idea? What will be the product or service of the business line? Is it a new business or are you looking to develop an old business? # Feasibility Do you have the required skill and experience to successfully handle the business? Do you have any idea about the financial needs of the business? How will you finance the business? Do you know your strength and weakness? # Your Target market Who will you target? Who will be your competitors? Do you know their strength and weaknesses? Do you think that you have no competition? If it is true, do you think the product or the service is required? What is unique about your product or service which will attract people to buy? B. What activities to be done at start up stage ? Finding a location, checking the suppliers, choosing the partners, planning the business, making a marketing plan, registering the business, etc.  The bus...

The business life cycle is the progression of a business in phases over time and is most commonly divided into these stages: 1. launch 2. growth - business becomes profitable 3. shake-out 4. maturity  5. Decline (if you don't evolve) We can avoid the last stages where growth stops by evolving the business model as per market environment. Also see: A standard ref :  https://www.forbes.com/sites/theyec/2018/01/11/business-life-cycle-spectrum-where-are-you/?sh=6d239503ef5e Breakup of activities details:  https://www.totalassignmenthelp.com/free-sample/business-life-cycle Ref https://corporatefinanceinstitute.com/resources/knowledge/finance/business-life-cycle/

Google HR team suggests these: They recommend job applicants to get rid of weak action verbs. Don't use 'I helped,' 'I was responsible for".  Instead of the passive language on the resume, Rivera (HR) recommended applicants to use active verbs like-streamlined, managed, implemented, improved, strategized, increased, produced, and generated. She also asked users to post things like "reference available upon request". Rivera elaborated, saying that if companies want a reference they will ask you for it. It is not important for applicants to mention it on their CVs. Another thing that people should not include, as per the Google recruiter, is the objective and full address, very long description of work experience in resume. Ref India Today: Want to get a job in Google? Don't write these five things in your resume. https://www.indiatoday.in/technology/news/story/want-to-get-a-job-in-google-don-t-write-these-five-things-in-your-resume-1998432-2022-09-09 ...

Any side effects? There are no side effects of Blood Donation. A small percentage of first-time donors may psychologically feel a little dizzy but only for a few minutes. This is not a matter of concern. _____ How much? One can donate up to 450 ml of blood The body can replenish this volume within 24 hours Normally only 350 ml of blood is collected by the Blood Bank ____ What happens to the donated blood? The blood is thoroughly tested in all possible respects and given to the needy patients after cross matching The Blood is separated into components viz. Red Cells, White Cells, Plasma & Platelets The blood components are made available to Hospitals and Nursing Homes on need basis This is how each time you donate blood you save up to 4 lives ____ Benefits to the donor? It reduces the chances of ischemic heart diseases (beginning of heart problems) as frequent donations reduce the accumulated and unwanted iron load from the body Each donor's blood is checked for Blood Group, Mal...

The Computer Science courses that are available for students on the portal have been listed below - 1. Programming 2. Data Structures 3. Computer Organisation and Algorithms Educational Institutions, students and anyone who is interested in applying for online courses offered by IIT Madras can take part in these Computer Science courses by visiting the official portal at nsm.iitm.ac.in/cse/

*WHAT IS _ROAD HYPNOSIS?_* - Road hypnosis is a physical condition that most drivers are unaware of. - ROAD HYPNOSIS starts 2.5 hours after getting on the road. The eyes of the hypnosis driver is open, but the brain does not record and analyse what the eye sees. - ROAD HYPNOSIS is the number one cause of rear-end crashes to parked vehicle or truck in front of you. - The driver with ROAD HYPNOSIS remembers nothing of the last 15 minutes until the moment of collision. He cannot analyse at what speed he is going, or the speed of the car in front of him; usually the collision is above 100 km. - In order to protect yourself from ROAD HYPNOSIS, it is necessary to stop, take a walk, drink tea or coffee every 2.5 hours. - It is important to note and remember certain places and vehicles while driving. - If you don't remember anything from the last 15 minutes, it means you are driving yourself and the co-travelers to death. - ROAD HYPNOSIS happens more often at night and if the co-travelers ...

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

Stock markets reward persistence. Good risk appetite can multiply wealth 1000 times in 30 years.  Story of Ramdeo Agarwal of Motilal Oswal is a sample for huge rewards in long term investing. Agrawal started his investment journey with Rs 1 crore in 1990. At the time of the Harshad Mehta-led market rally in 1992, the value of his investment increased to Rs 30 crore. However, once the bubble burst, the value of investment reduced to Rs 10 crore from Rs 30 crore in correction after the 1992 market rally. The value of his investments increased 10 times from Rs 10 crore to Rs 100 crore in the Y2K market rally of 2000. The correction after the Y2K rally saw 70 per cent erosion in the value of his investment and it plummets to Rs 30 crore from Rs 100 crore. However, within seven years, the value of his investment soared by as much as 833 per cent – from Rs 30 crore to Rs 550 crore during the 2007 market rally. The market meltdown after the 2007 rally resulted in a steep fall in the value...

 Jobs that robots will replace in the future Based on the nature and type of these jobs, here is a rundown of the jobs that AI machines are most likely to perform in the future: 1. Customer service executives Customer service executives don't require a high level of social or emotional intelligence to perform. Many companies now rely on AI to answer FAQs and customer support questions. Chatbots are not only becoming a significant part of customer interaction. They also support a lot of internal queries, among others. 2. Bookkeeping and data entry There is a chance you may not have heard of bookkeeping as a profession in a long time. Instead of using humans for data entry and bookkeeping, it makes sense for AI and ML (Machine Learning) to be introduced in the product cycle. 3. Receptionists And with auto check-ins in both large and small hotels, there will be a lesser need for receptionists in the long run. Nowadays, even in fast food joints, people can place orders through communic...

Covidshield: Unpublished data suggests that leaving a longer gap between the first and second doses increases the overall effectiveness of the jab - in a sub-group given the vaccine this way it was found to be 70% effective after the first dose. Ref: https://www.bbc.com/news/world-asia-india-55748124 ______________ Covaxin : While it is unclear what additional information WHO wants from Bharat Biotech, Dr Jammi Nagaraj Rao highlighted some concerns regarding Covaxin's efficiency for The Wire Science. He pointed out that reaction to the Bharat Biotech's analysis of an 80.6% efficacy should be tempered because it is based on interim data of just 43 cases of COVID-19 among the 25,800 people who had been recruited for the trial.  He calculated that the approximate 95% CI for Covaxin's efficacy rate would be 56.4% to 91.3% – which is too wide to be reliable. Dr Jammi Nagaraj Rao is director of Policy, Welcome Wellbeing CIC, UK.  Welcome Wellbeing CIC Ltd is a community interest ...

Traditional antivirals, which include Tamiflu, zanamivir and remdesivir, reduce symptoms and help people recover earlier. The new antiviral approach used gene-silencing RNA technology called siRNA (small-interfering RNA) to attack the virus' genome directly, which stops the virus from replicating, as well as lipid nanoparticles designed at Griffith University and City of Hope to deliver the siRNA to the lungs, the critical site of infection. It was used on mice. "Treatment with virus-specific siRNA reduces viral load by 99.9 per cent. These stealth nanoparticles can be delivered to a wide range of lung cells and silence viral genes," said co-lead researcher Nigel McMillan, Professor at Menzies Health Institute Queensland (MHIQ) at Griffith. Ref  https://www.businessinsider.in/science/health/news/scientists-from-australia-and-us-develops-new-antiviral-therapy-with-99-99-efficacy-against-covid-19/articleshow/82766246.cms

Confirm with the bank before proceeding. As per new tax laws, you can get tax exemption upto ₹3.5 lakh. Houses valued under  ₹ 45 lakh comes under the affordable housing category. If you are planning a home under affordable housing scheme of  ₹ 45 lakh, you can get additional deduction for the interest paid on the affordable housing up to  ₹ 1.5 lakh under Section 80EEA of the Income Tax Act. The scheme will be valid till 31 March next year. It must be noted that that homebuyer must not own any other residential property as on the date of sanction of the loan to avail this benefit. This is over and above the tax exemption of up to  ₹ 2 lakh on home loan interest rates under Section 24 of the Income Tax Act. So new home buyers can enjoy the tax exemption of up to  ₹ 3.5 lakh on home loan interest rates.

Goal based investing is the easy way to achieve financial goals. It is based on the premise that financial planning is more effective when you work towards achieving a goal rather than chasing returns. A goal based investment strategy first creates a personalised financial goal according to the investor's age, income, expenses, savings and risk appetite. Then, based on that personalised goal and the time period available to achieve the goal, an approximate amount is calculated while taking inflation, expenses and other investments into consideration. Also, one needs to calculate the amount that must be invested regularly (monthly, quarterly, half yearly or annually) to build that corpus in the predetermined time frame. The next question the investor may ask after that is: Where to invest money? Again, the answer to that question will be based on your desired corpus size, timeframe and risk appetite. How to get it right You know everything about goal-based investing and are ready to...