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Tuesday, April 15, 2014

Busting common investor myths on money matters

Busting common investor myths on money matters
Your mind tricks yourself into thinking that you are making the right financial decisions. Some people may even be fully aware of the lies that they tell.
Hedge your portfolio against political uncertainty
Major part of the current stock market rally can be attributed to the chances of a Modi-led government coming to power, any other outcome can lead to a sell-off in the market.
Pick a health card over an OPD insurance
Rising healthcare costs and inadequate cover for out-patient treatment can erode your savings. Here’s a cost-effective alternative.
Are you paying a higher maintenance bill for housing society?
According to legal experts, housing societies cannot have by-laws prohibiting residents from keeping pets or charge them extra for it.
5 things to keep in mind while renting a locker
Bank safe deposit lockers are a good option for safeguarding your valuables anddocuments. The rules of owning one are explained here.
Quote of the week
"I think this is just the beginning. Going forward, we are looking at 15-20% annualised returns from the Indian markets."
Mark Mobius Executive Chairman
How Varudes' low surplus is likely to impact some of their goals

Family Finances

Though the Varudes are good savers and have a balanced portfolio, they will have to push away some of the goals till their income rises sufficiently to generate a high surplus.
Why you need to be careful in a rising market

Financial Planning

Before you become too enthused about a market on an upswing, here are the six things you should keep in mind if you want to build and secure long-term wealth.
Athena: How an IIT grad, Bhavishya Sharma, built a Rs 14 cr venture

Money-making venture

Defying the prevailing trend, IIT graduate opted for a human resources company before setting up his dream venture, Athena, which is now a Rs 14 crore group.
Veeral Patel's journey from being a roadside eatery helper to building a Rs 4 crore sweet shop chain

Entrepreneurs

No matter how many rags-to-riches stories you come across, the grit and enterprise of the people concerned always serve to inspire. Veeral Patel is one such entrepreneur.

Financial Calculators

Plan your car
Plan your car
Car cart!
Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy.
Home Loan Refinance
Home Loan Refinance
Should you refinance your home loan?
Find out how much you will have on retirement with different combinations of savings, percentage returns, time to go and tax rate.
"The Indian growth story is very much intact. So, investors should put money in equity since no other asset class has yielded such high returns in the past 15 years."
Fisher outlines his approach to hunting for quality stocks. He calls it ‘scuttlebutt’, which means conducting detailed interviews with stakeholders.
A Franklin Templeton survey among 500 investors across the country shows that a large majority believes the stock markets will rise in 2014.
Infotech Enterprises' low valuation compared to its large-cap peers is another reason why analysts are still betting on the stock.
If the only transaction in an account is the periodic credit of interest on the existing balance, it will be treated as dormant.
Daily Newsletter
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Monday, April 14, 2014

News Digest: Security forces kill two terrorists, rescue hostages in Srinagar

THE TIMES OF INDIA
Tuesday, April 15, 2014
Today's Headlines

Security forces kill two terrorists, rescue hostages in Srinagar
Two Lashkar-e-Taiba (LeT) terrorists were killed and as many policemen were wounded in an overnight firefight with security forces at Ahmad Nagar near Srinagar on Monday.

No easy ride for Nitish's man in Nalanda
NAlanda, also CM Nitish Kumar’s home district, is caught in a triangular contest and none is sure which way the wind is blowing.

Next round of fishermen talks with Lanka in May
Tamil Nadu chief minister Jayalalithaa has proposed that the second round of talks between Indian and Sri Lankan fishermen can be held in Colombo on May 12-13.

More India News»

Air India pilots seek salary arrears
Air India may be planning to cut the salary of its pilots by at least 15% but the latter have bowled a googly at the Maharaja.

WTO flak: Govt set to limit sugar export subsidy
Facing flak at the World Trade Organization, the government is all set to limit the export subsidy for sugar and not renew it for the next year.

Gujarat PSU stocks soar up to 34% in 2 months
The Adanis may be in the spotlight with stocks of group companies surging on the bourses following projections that the BJP and allies, led by Narendra Modi, is within striking distance of capturing power at the Centre.

More Business News»

World Green Economy Summit to start from Tuesday in Dubai
A two-day World Green Economy Summit (WGES) 2014, a global effort to combat climate change, will begin here on Tuesday.

Fish losing survival instinct in acidic oceans: Study
Fish are losing their survival instinct — even becoming attracted to the smell of their predators — as the world's oceans become more acidic because of climate change, new research said on Monday.

Jamaica reports big drop in lionfish sightings
Jamaica's National Environment and Planning Agency is reporting a 66 per cent drop in sightings of lionfish in coastal waters with depths of 75 feet (23 meters).

More Environment News»

Twin blasts in Nigeria's capital kill 71, injure 124
No group has yet claimed the apparent attack, but suspicion is likely to fall on Boko Haram, an insurgent group blamed for killing thousands across northern and central Nigeria since 2009.

UK probes Islamists' plot of taking over schools
UK police have zeroed in on at least 25 schools in Birmingham, Britain's second largest city, to investigate an alleged plot by Islamists to take over the curriculum.

Ukraine: EU agrees to widen sanctions
European foreign ministers agreed to widen sanctions against Moscow and the White House said Washington was seeking ways to impose more "costs" on Russia.

More World News»

Will Shahid Kapur be Vidya Balan's neighbour?
A media report had suggested that Shahid Kapoor has bought a house in the same building where Vidya Balan resides with her husband Siddharth Roy Kapur.

AbRam's first cricket outing?
Shah Rukh Khan will fly his family to Abu Dhabi for the opening ceremony of the cricket league that starts this Friday.

'Kamya Punjabi can never be my wife'
Karan Patel is disturbed about rumours linking him to actress Kamya Punjabi.

More Entertainment News»

Health risk from wireless network devices rising: Study
Health risks from mobile wireless devices like phones and tablets are growing stronger, and require immediate action, says a new study.

Scientists to test artificial blood in humans
In a ground-breaking trial, researchers in the UK will test artificial blood made from human stem cells in patients for the first time.

Now, ice cream that could serve as a replacement for Viagra
A British ice cream maker has developed a flavour, 'The Arousal', which includes 25 mg of Viagra per scoop.

More Science News»

Viru is a superhero of the game: Miller
"One of the beauties of IPL is the fact that we get to play alongside some of the superheroes of the game and Sehwag is definitely one of those," Miller said.

Liverpool ready to play 'four EPL finals'
No team which has finished seventh in the rebranded Premier League has gone on to win the title following year, so are Liverpool about to make a breakthrough?

KKR bowling strong, batting top-heavy
By retaining just two players, Gambhir and Narine, KKR management sent out a clear message — they were looking to revamp squad in a bid to start afresh.

More Sports News»

Bend it, charge it, dunk it: Graphene, the material of tomorrow
Graphene is the strongest, thinnest material known to exist. A form of carbon, it can conduct electricity and heat better than anything else.

Touch support came to Android after iPhone launch
In its initial form, Google’s mobile operating system, Android, did not support touchscreens.

A pen drive for your smartphone
Storage solution companies have now introduced USB drives that feature a micro-USB port.

More Technology News»

Private institutions welcome UGC order on new engineering colleges
Private engineering colleges have welcomed the direction of the University Grants Commission which says that no new engineering colleges will be allowed to start in the coming academic year.

IGNOU Nagpur triples enrolment over last year
The Nagpur regional centre of Indira Gandhi National Open University (IGNOU) has tripled its enrollment compared to last year due to its expanding study centres and course innovations.

Sebi pitches for subject on capital markets in school syllabus
As part of its efforts to spread financial awareness, Sebi has been inviting students from schools, colleges and professional institutes interested in learning about the market regulator and its role since February 2011.

More Education News»

Rebel NCP MLA tells supporters to vote for Shiv Sena
Sawantwadi MLA Deepak Kesarkar obliquely asked NCP activists on Monday to ensure the defeat of Congress nominee Nilesh Rane.

Chitpavan brahmins seek job reservations
Come elections, and castes and communities begin to flex muscles for their share in the sun.

Borivli residents warn netas of 'sprained ankles'
Residents of LIC Colony in Borivli (West) have been protesting against civic apathy in a novel manner.

More Mumbai News»

4-year jail for Dawood Ibrahim's shooter
Brajesh Singh, the dreaded gangster from Bihar who was once considered a prized sharp shooter of underworld don Dawood Ibrahim, has been sentenced to around four years imprisonment in an attempt to murder case by a trial court.

Bahujan Samaj calendar launched on Ambedkar's birthday
A calendar where the year starts on B R Ambedkar's birthday was launched on Monday.

Kejriwal claims attacks on him were part of conspiracy
AAP leader Arvind Kejriwal claimed on Monday that the attacks on him were part of a political conspiracy

More Delhi News»

They walk 5km to get their fingers inked
Shivana Tanda is a hamlet on a hillock. Most residents of this Lambani settlement in Koppal district, north Karnataka, are agricultural labourers. Infrastructure is dismal in the village , and there is hardly any road connectivity. 

Rains, rallies make for charming campaign
Our journey chasing the candidates in the rain across this sprawling, verdant constituency — one that stretches 470 km — might not have been as romantic as Alexander Frater’s ‘Chasing the Monsoon’ across India was, but it was nearly there. 

Gloves are off in Siddaramaiah's proxy bout
When counting of votes for Periyapatna assembly segment was taken up on May 31 last, chief minister Siddaramaiah was closely tracking it from Bangalore.

More Bangalore News»

Safe bet for TDP biggie N Balakrishna?
Politics isn’t particularly a safe game, but TDP biggie N Balakrishna clearly appears to be an exception.

Choose car, not cycle: Mynampally Hanumantha Rao
When Mynampally Hanumantha Rao sets out for his poll campaign, he ensures that his followers chant the ‘Jai Telangana’ slogan and wildly displays the ‘car’ election symbol.

'Star' Jayasudha plays woman card
Jayasudha Kapoor, the sitting Congress party MLA from Secunderabad kick-started her campaign trail on Sunday evening, hoping to win another tenure in office.

More Hyderabad News»

Shock, pain factors in fixing accident relief: Tribunal
Besides injuries, other factors such as shock, pain, fear, trauma and agony of an accident victim too should be taken into account to determine compensation package, a motor accident claims tribunal said, awarding Rs 2.6 lakh compensation to a schoolgirl.

Jayalalithaa should quit: Stalin
DMK leader M K Stalin on Monday said AIADMK leader and chief minister Jayalalithaa should resign if she could not prove her charge that the power crisis was “due to some wantonly created technical snags in generation units” .

In rural pockets, it's a battle to post symbols on villagers' walls
 In the parched landscape of Ajjanahalli village, the only visual relief is the different hues of mangoes .

More Chennai News»

Crude, chemicals spur customs revenue
Increased import of crude oil, industrial machinery, chemicals and electronic items has led to record collection in revenue of customs commissionerate, Ahmedabad.

Innovator designs eco-friendly auto for schoolchildren
When Chandan Mundhra saw overloaded autorickshaws carrying schoolchildren, he came up with the idea of a less risky autorickshaw.

Ahmedabad fire brigade firefights staff crunch
The nation celebrated on Monday the National Fire Service Day in remembrance of the 66 firefighters who lost their lives in the line of duty on April 14, 1944 at Bombay Dock fire while saving lives and resources.

More Ahmedabad News»

With strong contenders, BSP eyeing Phulpur, Allahabad Lok Sabha seats
The Bahujan Samaj Party (BSP) is pinning big hope on its Lok Sabha seat candidates from Allahabad and Phulpur Keshri Dei Patel and Kapilmuni Karwariya, respectively.

FIR against ex-cheif of UPSESSB
Deputy secretary, UP Secondary Education Service Selection Board (UPSESSB), Allahabad has lodged an FIR with Colonelganj police station against RP Verma, ex-chairman, UPSESSB alleging that he had misplaced OMR sheets of the aspirants during the PGT\TGT examination.

Mahavir Jayanti celebrated with religious fervour
Mahavir Jayanti was celebrated with much fanfare in the city on Sunday.Celebrations started with a prabhat pheri at about 5:30 am.

More Allahabad News»

Nominees remain worried, workers breathe easy
"We feel relieved after completion of round one of elections.But we are eagerly waiting for counting to start," said BJD worker Omkar Nayak.

Koraput bandh over attack on Bahinipati kin
Life came to a grinding halt in Koraput district on Saturday following a 12-hour bandh observed by Congress.

Classical tag to Odia: BJP flays CM for taking credit
The saffron party said the chief minister taking credit for Odia language getting classical status is nothing but befooling people of the state.Naveen had claimed Odia got the tag due to state government's efforts.

More Bhubaneswar News»

FIFA fever: Cop flashes red cards to goons to curb poll violence in MP
Red card to troublemakers and yellow card to accomplices of troublemakers. The FIFA world cup fever is quite evident in the election management of at least one district in Madhya Pradesh.

Poll code curbs groom gallops in MP
For the groom, the horse is a code of chivalry to take his bride home, but during poll time, the model code has taken the sheen off his armour. It's now an ordeal wrapped in red tape to hire a horse to the wedding, a ritual achieved with flourish in normal times.

Rice trick in tribal turnout: Voters invited with ritualistic, 'peele chawal' to cast votes
Tribal Shahdol district of Madhya Pradesh is better known by sobriquets - backward, far-flung and low on literacy. 

More Bhopal News»

Pak wild boars become poll issue in Punjab village
A different kind of ‘Pakistani invasion’ is the biggest poll issue in Habibwala village in Punjab’s Ferozepur district. Wild boars from a nearby village in Kasur district of Pakistan are giving sleepless nights to farmers here.

Ally BJP's manifesto tests SAD ideology
Challenge to the cardinal political ideology of SAD lies nowhere else but in the political manifesto of its ally BJP.

Poll spend remarks: SAD says Badal was being humorous
Punjab chief minister Parkash Singh Badal was merely joking when he referred to “behind the curtain” funding of elections while addressing a function of industrialists in Jalandhar on Thursday.

More Chandigarh News»

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Dazzling Mystical Lights and the Astral Plane

IndiaDivine.org
IndiaDivine.org:
Sometimes, during meditation, you will get very powerful and dazzling lights, bigger than the sun. They are white in color. In the beginning, they come and disappear quickly. Later on, they are steady and they become fixed for ten to fifteen minutes according to the strength and degree of concentration. For those who concentrate at the Trikuti, the light appears in the forehead; while for others who concentrate at the Sahasra Chakra, the light manifests itself at the top of the head. The light is so powerful and dazzling sometimes that you have to withdraw yourself from looking at it and break the meditation.
 
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