Want to make most of the current bear market? Here's what you should do

THE ECONOMIC TIMES Tue, Jan 26, 2016 | 09:35 AM IST ET Wealth Newsletter

Tax saving investments: Here's what you need to know If you haven't already completed your tax saving investments it's time to do it now and here's help on how to do it.

Want to make most of the current bear market? Here's what you should do Falling commodity prices, global concerns and poor corporate results have pushed markets into a bear phase. Here's what you should do now. Stocks entering bear market: Reasons for the downturn It is impossible to predict when the market will bottom out. However, experts say that short-term pain will continue for some more time. PF to be best debt investment in 2016 if rate hiked The EPFO has recommended an interest rate of 8.95% for the PF. If the proposal is cleared, PF will be the best way to invest in debt in this financial year. Best health insurance plans for senior citizens: ET Wealth-PlanCover rankings If you don't know which health insurance plan to buy, go through our rankings. Here we list the top contenders for couples above 60 years of age.

Family Finances How Vimal Chheda can get back on investing track after loan revamp "My financial planning was disturbed as I used all my savings to buy a house. I want to start investing again so I can achieve my goals," says Chheda. Financial Planning Can you benefit from falling oil prices? Sliding prices are not for the ordinary investor, but for those with enough knowledge, capital and guts for tactical positioning. Money-making venture Giftxoxo shows how gifting experiences can pay The founders of this startup held that gifting need not be restricted to products; gifting 'experiences' could probably mean a lot more. Entrepreneurs How the Rs 160 crore StarAgri is helping farmers manage their produce Our aim is to connect with 25 lakh farmers. We want to become every farmers' dream partner in their success Financial Calculators 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 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. More Calculators

How to shift group medical cover to personal policy Portability allows a group mediclaim policy to be transferred to a personal insurance plan with the same insurance company. Want to cut risk and tax without compromising on returns? Try balanced MFs Investors can enjoy tax advantages by managing their equity and debt portfolio allocation via balanced mutual fund schemes. 5 smart things to know about semi-closed e-wallets Semi-closed e-wallets are used to make online payments for goods and services at select merchant locations. Looking for a job? Monster Employment Index gives you latest online employment trends Here are some of the online employment trends in major cities and sectors in the country, as analysed by the Monster Employment Index. What industry experts want from Budget 2016 As the Finance Minister and his team start work on the Budget, here are some suggestions from experts that are worth including in the draft.

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News Digest: 1,000 women to enter male-only Shani temple

		THE TIMES OF INDIA
		Tuesday, January 26, 2016
		Today's Headlines

		India
		1,000 women to enter male-only Shani temple "We have already booked a helicopter," said Trupti Desai, president of 'Bhumata Ranragini Brigade'. Amar Singh meets Akhilesh, sparks comeback speculation Describing his meeting with Akhilesh as a social obligation, Singh said, "I am neither on a political post nor do I have any business interest.Why do people look for reasons for such meetings?". Slogans of IS, terror threats scribbled on Mahatma Gandhi statue Police had to be deployed in the Mojamabad area here after pro-IS slogans and threats of terror attack on Republic Day were found daubed on a statute of Mahatma Gandhi on Monday morning. More India News»

		Business
		HDFC Bank Q3 net rises 20% HDFC Bank beat market expectations with a third quarter net profit of Rs 3,357 crore — an increase of 20% over Rs 2,794 crore in the corresponding quarter last year. India Inc profit up just 1% in Q3, says Crisil While net profits advanced to around Rs 23,600 crore, revenues of these companies increased 7.8% y-o-y to about Rs 15,1360 crore, data compiled by ratings agency Crisil showed. Coca-Cola to enter dairy drinks segment in India Coca-Cola has announced its foray into value-added dairy drinks segment in the Indian market with Vio brand, which will make its debut across the country next month. The company, which will introduce two flavours under Vio, has tied up with Reliance Retail as part of pilot launch. More Business News»

		Environment
		Storks spend winter eating rubbish, not migrating Some white storks have taken to spending the winter in rubbish dumps eating garbage rather than making the usual journey south across the Sahara, scientists said. This is a new sign of how human influences, ranging from climate change to pollution, disrupt migratory routes for animals. Archaeologists discover dinosaur fossils in Gujarat A team consisting of a German archaeologist and two Indians discovered dinosaur fossils during an ongoing research in Gujarat. New bird species in India, first in a decade The find of a new species of bird in northeastern India and adjacent parts of China has marked the first discovery in a decade and the fourth since 1949. More Environment News»

		World
		Won't seek extension, says Pak army chief Pakistan’s Army chief General Raheel Sharif ruled out rumours regarding his extension in service and on Monday said that he would retire after completing his term in office in November this year. Cold snap hits East Asia, kills over 60 Unusually cold weather in East Asia has been blamed for more than 60 deaths, disrupting transportation and bringing the first snow to a subtropical city in southern China in almost 50 years. Temperatures in Taiwan's capital plunged to a 16-year low of 4°C, killing 57 mostly elderly people. First lady Melania Trump? Donald's wife remains private If that prospect of Melania Trump as the US first lady evokes no clear image, that's no accident. Donald Trump's wife has said little in the campaign about the type of first lady she'd like to be should her husband win the Republican nomination and the presidency. More World News»

		Entertainment
		33 takes for Ruhi-Krishna for the perfect kiss The lead pair of the upcoming romantic adventure 'Ishq Forever' — Ruhi Singh (Miss Universal Peace and Humanity 2014) and Krishna Chaturvedi —kissed 33 times! Before your imagination runs wild, let us tell you that the actors did 33 takes before nailing the perfect kissing scene for an important sequence in the movie. Sudhanshu to sue Rakesh Roshan and others? There seems to be a new development in the fight between actor Sudhanshu Pandey (of Dus Kahaniyaan, Singh Is Kinng, Singham fame) and filmmakers Rakesh Roshan, Sanjay Gupta and writers Siraj Ayaz Ahmed and Vijay Kumar Mishra, over ownership rights of a script. Initially, the script in question was titled Farmayish, but was later reportedly called Kaabil, and this project is being directed by Sanjay, starring Hrithik Roshan for the Roshans’ home production. 7 roles that Priyanka Chopra will rock More Entertainment News»

		Science
		New IVF tech promises to help older women conceive Fertility doctors have applied for permission to use an controversial IVF procedure that promises to dramatically improve the chances of women older than 30 having babies by rejuvenating their eggs. 'Zika likely to spread across Americas' The mosquito-borne Zika virus, which is suspected of causing brain damage to babies in Brazil, is likely to spread to all countries in the Americas except for Canada and Chile, the World Health Organisation said on Monday. Genetic pattern in womb linked to IVF failure, study finds Scientists have identified a genetic pattern in the womb that could predict whether or not IVF treatment is likely to be successful. The discovery would help clinicians understand why in vitro fertilization fails repeatedly in some women, researchers said. More Science News»

		Sports
		1st T20: Can format change inspire ragged India? MS Dhoni's team will have to play out of its skin to set the tone for the World Twenty20 as the Twenty20 international leg tour gets underway at Adelaide Oval on Tuesday. ICC U-19 World Cup preview: India aim for record fourth title TOI Sports previews the group D teams and their chances at the 2016 ICC Under-19 World Cup in Bangladesh. We intend to play fearless cricket in T20 series: Raina The short three-match Twenty20 series between the two sides will begin on Tuesday and Raina said it will be important for them to start the series well. More Sports News»

		Technology
		C-DAC plans to install super computers at 50 institutes Christened Param Shavak, the system seeks to make super computing accessible for scientific, engineering and academic programmes. 10 tips & tricks every YouTube user should know We bring to you 10 tips & tricks you should know to make the most of YouTube and make your video-viewing experience more enjoyable. 'Be Like Bill' meme takes Facebook by storm 'Be Like Bill' is a new meme popular on Facebook and his straightforward messages are fairly commonsensical, commenting on the many things that annoy us about people with too much time and unlimited internet. More Technology News»

		Education
		Change in exam welcome but teaching rejig needed: Experts The directorate of government examinations, as promised in circulars in 2015, has implemented changes in the exam pattern, which will be reflected in the Class 10 boards this year. But will these reforms yield positive results? That's the larger question. AIIMS Bhubaneswar to admit PG students beginning 2016 AIIMS Bhubaneswar will admit post graduate students starting from this year. The admission will be done on the basis of entrance tests organized by AIIMS New Delhi, dean Vikas Bhatia said here on Friday. IIT E-summit to promote Make in India E-Summit'16, an event to promote entrepreneurship being organized by Centre for Entrepreneurship, IIT Bhubaneswar begins here on Friday. More Education News»

		Mumbai
		Widow murder:Borivli bldg maybeef up security Following a 59-year-widow’s murder outside her flat in Borivli, residents of the building are contemplating beefing up security measures. Chintan wants flat in Juhu, studio sealed The judicial custody of contemporary artist Chintan Upadhyay and four others—accused of murdering his estranged wife Hema and her lawyer—was extended up to February 8 on Monday. Man who set on fire train coach had torched bus too The 28-year-old man, Akash Gharade, who was arrested on Sunday for setting ablaze a local train compartment on fire at Churchgate has claimed that he had in the past set on fire a bus. More Mumbai News»

		Delhi
		Will get Delhi's feedback on odd-even return: CM Arvind Kejriwal The odd-even traffic scheme is likely to be back, but this time Delhiites will have a say on whether it should return, when it should be implemented between February 14 and May 1, and in what form. Delhi turns into fortress for Republic Day, 1 cop at every 20 metres today The capital will be under heavy security until Tuesday evening when French president Francois Hollande will leave the country. Body of infant found in C Delhi The body of an infant girl was found lying wrapped in a piece of cloth on the Deen Dayal Upadhyay Marg in central Delhi on Monday.Prime facie investigations suggested that the nearly year-old child died three days ago. More Delhi News»

		Bangalore
		J&K man held with counterfeit currency special police team from South Bengaluru arrested a 36 year old man from Jammu and Kashmir and recovered counterfeit currencies worth Rs three lakh from him. Ambulance drivers at Arogya Kavacha seek pay hike, job security Hundreds of ambulance drivers of Arogya Kavacha protested demanding a pay hike and job security. IISc genome expression expert gets Padma Shri Expertising in Genome Expression, Professor Dipankar Chatterji of the Indian Institute of Science has been conferred the Padma Shri, an important civilian award. More Bangalore News»

		Hyderabad
		Akbaruddin rakes up anti-ISIS militia Majlis-e-Ittehadul Muslimeen (MIM) legislator Akbaruddin Owaisi lashed out at an Uttar Pradesh right wing group Hindu Swabhiman for training youth to form a "dharma sena" to fight against the so-called Islamic State even as he claimed that the group's real intentions were to kill Muslims. MIM chief fears beef ban if TDP-BJP gets elected Hyderabad parliamentarian Asaduddin Owaisi feared that if the MIM was not elected to power, the BJP-TDP combine would enforce a ban on bull and bullock slaughter as is the case in Maharashtra. The Gordian knot called Manikonda Jagir land case There is talk in the corridors of power that the Telangana government is expected to take a call on the Manikonda Jagir case in the next few weeks which sounds incredulous. More Hyderabad News»

		Chennai
		Ex-economist to contest elections from Ooty Dharmalingam Venugopal, a former IOB economist and director of the Nilgiris Documentation Centre has announced plans to contest as independent candidate from Nilgiris constituency in the assembly election. Man on dialysis helps others get quality care Kamal D Shah has to undergo dialysis thrice a week to survive. HC exempts non-Tamil students from first language paper exam Granting an interim relief to Class 10 students whose mother tongue is not Tamil, the Madras high court has directed authorities to exempt them from appearing for the first language paper. More Chennai News»

		Ahmedabad
		Gujarat govt cancels transfer of ATS SP Himanshu Shukla The Gujarat government today cancelled the transfer of Superintendent of Police (SP) of state Anti Terrorist Squad (ATS) Himanshu Shukla. Three vivaah and a nikaah: Four girls from Andh Kanya Prakash Gruh in Ahmedabad get married Four brides decked in jewellery, complete with henna on their hands and anklets in their legs, tied the knot with their grooms amid fanfare and small mischiefs by their relatives on Sunday. Centre may replicate Khel Mahakumbh, Gunotsav Three ‘government festivals’ of Gujarat — the Khel Mahakumbh (biggest state-run sports talent hunt), Shala Pravesh Utsav (school enrollment drive) and Gunotsav (drive to improve quality of teaching in government schools) — will now echo in the power corridors of Delhi. More Ahmedabad News»

		Allahabad
		Allahabad University central library to open on holidays The authorities of Allahabad University have decided to keep the Central Library open on Sundays and holidays, barring a few important ones. Congress-men block Paswan's cavalcade Congress workers stopped Union minister Ram Vilas Paswan's cavalcade for the second time in two days on Sunday at Manda.They were protesting against the price rise of essential commodities. Bose addressed students under lantern light in city During his visit to Allahabad in 1939, Netaji Subhash Chandra Bose had addressed students at Anglo Bengali Intermediate College (ABIC) under the light of lanterns. More Allahabad News»

		Bhubaneswar
		Patnaik appoints 9 MLAs as panel chiefs with minister of state status The Naveen Patnaik government move is being seen as an attempt to meet expectations of lawmakers, who own multiple elections but could not become ministers. Naveen Patnaik appoints 9 MLAs as district plan panel chiefs The state government on Monday appointed nine MLAs as chairpersons of district planning committees. Nine killed in accident in Angul Nine people, including two women and a child, were killed in a major accident that occurred at Chainpal, around 7 km from industrial town Talcher, in Angul district on Monday afternoon. More Bhubaneswar News»

		Bhopal
		Family in Bhind held after threat to blow up India Gate BHOPAL: Police on Monday night rounded up a family in Bhind district after receiving a threat to blow up India Gate on Tuesday. Alarming malnutrition, neo=natal mortality in Madhya Pradesh: NFHS 4 More than 40 out of 100 children in Madhya Pradesh are malnourished if the latest National Family Health Survey (NFHS) is anything to go by. Turncoats to lock horns for BJP, Cong in Maihar Maihar bypoll on February 13 in Madhya Pradesh will be a contest of turncoat versus turncoat. Though symbols of two major political players in the state- ruling BJP and opposition Congress-will lock-horns over the seat, candidates for both parties are new invitees who switched loyalties only recently. More Bhopal News»

		Chandigarh
		Italian delegation visits PU An Italian delegation of European University School for Tourism (UET), visited Panjab University (PU) on Monday to increase collaborations between the two institutions. The Italian delegation was led by Marina Ambrosecchio. Despite entry pass, Nek Chand's son told to leave Ten minutes before Prime Minister Narendra Modi had to arrive to receive French President François Hollande at Rock Garden, Nek Chand's son Anuj Saini was told by a security official of the PM to leave the place, Saini claimed. Modi calls on ailing Badal at PGI hospital Prime Minister Narendra Modi on Sunday evening visited the Post-Graduate Institute of Medical Education and Research(PGIMER) here to enquire about the health of Punjab chief minister Parkash Singh Badal who is admitted there. More Chandigarh News»

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Relax with a bath… of sound. Its practitioners say it’s like a massage or meditation. ; Art of Living is to Master the Art of Dying

RemedySpot.com:

Relax with a bath… of sound. Its practitioners say it’s like a massage or meditation.

Think of a sound bath, practitioners say, as a massage or a meditation, with sounds washing over you and running through you, sometimes feeling too big for the room.

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IndiaDivine.org:

Art of Living is to Master the Art of Dying

The last thing people would like to discuss or even think is ‘Death’. But they often don’t last till last to discuss or even think about what really death is! Man has made so much innovation in technology that with little remote control he can control satellites from thousands of miles away.

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