How to Keep your self safe from fraud

How to Keep your self safe from  fraud::

Fuelled by internet and mobile penetration, digital payments have seen rapid growth in India, giving rise to multiple cashless payment applications and systems. According to the EY Global Fintech Adoption Index 2019, India is becoming a forerunner in global financial technology (fintech) adoption at 87 per cent, along with China. Data from the Reserve Bank of India (RBI) highlights that the total volume of digital payments increased nine times over the past five years. This has been driven extensively by innovations in fintech and integrated payment platforms. This growth momentum is expected to continue with the RBI projecting a target of 10 times over the next three years.



The rise in digital payments has not only opened multiple avenues for businesses to explore online payment services, but also led customers to prefer this mode in almost all aspects of their daily lives—from small-value transactions to very large purchases. The convergence of technology, payment platforms, e-commerce and social media has simplified transactions and brought convenience to the palm of the user. However, there are roadblocks to this frenzied adoption of digital payment. These include frauds and scams, data protection issues, security concerns, infrastructure requirements, and lack of awareness about the risks linked to the digital ecosystem.

Know who you’re dealing with.

 In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Pay the safest way.

 Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to $50 if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly.

Guard your personal information

. Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Stay safe online. 

Don’t send sensitive information such as credit card numbers by email because it’s not secure. Look for clues about security on Web sites. At the point where you are asked to provide your financial or other sensitive information, the letters at the beginning of the address bar at the top of the screen should change from “http” to “https” or “shttp.” Your browser may also show that the information is being encrypted, or scrambled, so no one who might intercept it can read it. But while your information may be safe in transmission, that’s no guarantee that the company will store it securely. See what Web sites say about how your information is safeguarded in storage.

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Karakoram Highway china to Pakistan : Amazing Technology

Karakoram Highway china to Pakistan : Amazing Technology

The Karakoram Highway  or the China-Pakistan Friendship Highway) is a 1,300-kilometre (810 mi) national highway which extends from Hasan Abdal in the Punjab province of Pakistan to the Khunjerab Pass in Gilgit-Baltistan, where it crosses into China and becomes China National Highway 314. The highway connects the Pakistani provinces of Punjab, Khyber Pakhtunkhwa and Gilgit-Baltistan with China's Xinjiang Uyghur Autonomous Region. The highway is a popular tourist attraction, and is one of the highest paved roads in the world, passing through the Karakoram mountain range, at 36°51′00″N 75°25′40″E at maximum elevation of 4,714 metres (15,466 ft) near Khunjerab pass.[Due to its high elevation and the difficult conditions in which it was constructed, it is often referred to as the Eighth Wonder of the World. The highway is also a part of the Asian Highway AH4.

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VIEW KARAKORMA HIGHWAY VIDEO



VIEW KARAKORMA HIGHWAY VIDEO





VIEW KARAKORMA HIGHWAY VIDEO



The Karakoram Highway, also known as the Friendship Highway in China, was built by the governments of Pakistan and China. It was started in 1959 and was completed and opened to the public in 1979. Pakistan initially favored routing through Mintaka Pass. In 1966, China citing the fact that Mintaka would be more susceptible to air strikes recommended the steeper Khunjerab Pass instead.About 810 Pakistanis and about 200 Chinese workers lost their lives, mostly in landslides and falls, while building the highway. Over 140 Chinese workers who died during the construction are buried in the Chinese cemetery in Gilgit. The route of the KKH traces one of the many paths of the ancient Silk Road.

Karakoram Highway reconstruction

As part of the $46 billion China Pakistan Economic Corridor, reconstruction and upgrade works on the Pakistani portion of the Karakoram Highway (KKH) are underway. The KKH spans the 806-kilometre (501 mi) long distance between the China-Pakistan border and the town of Hasan Abdal. At Burhan Interchange near Hasan Abdal, the existing M1 motorway will intersect the Karakoram Highway. From there, access onwards to Islamabad and Lahore continues as part of the existing M1 and M2 motorways, while Hasan Abdal will also be at intersection of the Eastern Alignment, and the Western Alignment which will lead towards the port city of Gwadar.

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About Corona Virus full Detail

About Corona Virus full Detail

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

Some types of them are serious, though. About 858 people have died from Middle East respiratory syndrome (MERS), which first appeared in 2012 in Saudi Arabia and then in other countries in the Middle East, Africa, Asia, and Europe. In April 2014, the first American was hospitalized for MERS in Indiana and another case was reported in Florida. Both had just returned from Saudi Arabia. In May 2015, there was an outbreak of MERS in Korea, which was the largest outbreak outside of the Arabian Peninsula. In 2003, 774 people died from a severe acute respiratory syndrome (SARS) outbreak. As of 2015, there were no further reports of cases of SARS. MERS and SARS are types of coronaviruses.

But in early January 2020, the World Health Organization identified a new type: 2019 novel coronavirus (2019-nCoV) in China. By late January, there were 300 confirmed cases in China and a death count that was still in the single digits, but rising. And despite airport screenings, a traveler had brought the first case to the U.S.

What Is a Coronavirus?
Coronaviruses were first identified in the 1960s, but we don't know where they come from. They get their name from their crown-like shape. Sometimes, but not often, a coronavirus can infect both animals and humans.

Most coronaviruses spread the same way other cold-causing viruses do: through infected people coughing and sneezing, by touching an infected person's hands or face, or by touching things such as doorknobs that infected people have touched.

Almost everyone gets a coronavirus infection at least once in their life, most likely as a young child. In the United States, coronaviruses are more common in the fall and winter, but anyone can come down with a coronavirus infection at any time.

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Happy Republic Day 2020 to all Indians. Proud to be an Indian. Jai hind

Happy Republic Day 2020 to all Indians. Proud to be an Indian. Jai hind….

Republic Day honors the date on which the Constitution of India came into force on 26 January 1950 replacing the govt of India Act (1935) because the governing document of India.
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Make awesome photos for 26 January 2020 photo frame using this free republic day photo editor application to make happy republic day photo celebrations. Happy Republic Day application is the best 26 January photo frames, republic day photo frames, 26 january 2020 photo frames, Indian photo editor in the android market.

Decorate your photos using our indian photo editor (or) republic day photo editor 2020 app and make more beautiful colors for your republic day photo application season.

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Profile Frames :-

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Stickers :-

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Predefined Frames (or) Profile Frames :-
1. Take image from camera (or) gallery using Republic Day Photo Frames.
2. Crop image to apply the effects effectively.
3. Select Predefined frames (or) Profile frames to use top quality 26th January Photo Frames.
4. Apply different types of color face effects, image flip feature to the Republic Day Images.
5. Write Text with color fonts to your happy republic day photo backgrounds.
6. Add Stickers to your 26 January photo editor 2020 (or) republic day photo maker background photos.
7. Edit your photograph frames easily and set your mobile devices with our Republic Day HD wallpapers.
8. Share with friends, Family, Facebook, Twitter, Flickr, Instagram and many more etc…
Download Happy Republic Day 2020 Today and create HD Quality 26 January 2020 photo frame & republic day DP maker photos in this special day and celebrate this happy republic day.

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Happy Re public Day Whatspp DP With Indian flag

Happy Re public Day Whatspp DP With Indian flag 

A mutual fund is a way to pool money in a variety of underlying securities to pool money from investors for investment. In ratio to their investment amount, a mutual fund house issues unit of mutual funds to unitholders. The investment objectives of a mutual fund are revealed in the offer document. Profits or losses are proportionately distributed to the unitholders. Before it can collect funds from the public, mutual funds in India must be registered with the Securities and Exchange Board of India (SEBI).

Types of Mutual Funds in India

Mutual funds are categorised into several types based on their maturity period and investment objective. In India, mutual funds are categorised on basis on the type of underlying asset.

Equity schemes: These mutual funds provide capital appreciation for individuals who focus on medium- and long-term investment horizon. According to the Security and Exchange Board of India, equity mutual fund schemes should invest at least 65 per cent of the scheme’s assets in equities and equity-related instruments. These mutual funds are usually considered high-risk, as most of the investments are focused on equity products. These mutual fund schemes are best suited for those who are open to taking a market risk, and those looking for good returns over a long-term investment horizon.

Tax-Saving Funds: One of the most popular investment options which assist in efficient tax plannin are tax saving mutual funds, otherwise known as Equity Linked Savings Scheme or ELSS. The majority of the corpus in ELSS is invested in equity. ELSS has a mandatory lock-in period of 3 years. ELSS is the only pure equity investment that offers tax benefits up to RS 1.5 lakh in a financial year under Section 80C.

Aggressive Growth Funds: These mutual funds help you make tremendous returns from equity market investments. Using a beta tool, you can gauge the movement of the fund. This fund is, however, highly vulnerable to market volatility.

Debt schemes: If you’re someone who invests in debt mutual funds, chances are your money will be distributed in a variety of fixed income instruments such as government and corporate bonds, debt securities, as well as money market instruments. The units of the mutual fund have a fixed rate of interest which allows the investors to be aware of the returns right from the beginning. For investors who don’t want to take huge risks but want constant yields, it's an excellent investment alternative.

Open-Ended Funds: Open-ended mutual schemes are continuously available for subscription and repurchase. The important thing about open-ended mutual funds is that there is no set maturity period and investors have the choice of regularly buying and selling units at net asset value (NAV). The previous performance of these funds can be monitored, enabling the investor to make a well-informed choice. These funds are an excellent choice if the investor is looking for liquidity alone.

Close-Ended Funds: A closed-end fund works like a fund traded in exchange. A limited number of units are available for purchase in a close-ended mutual fund. During the New Fund Offer (NFO) period, the units of a closed mutual fund are available to the unitholders. The investors can trade the units on their NAVs at premiums or discounts. However, the redemption of these mutual funds is only permitted after the fund's maturity, which is typically between 3 to 7 years. These funds are a perfect choice for those investors who are not investing in short-term financial goals of a few months.

Growth Funds: Growth funds make up a large portion of the investment money in shares. This is a good option for investors who want to invest their surplus money and have a high risk appetite.

Income Funds: These mutual funds invest the investment amount in fixed income securities such as bonds, certificates of deposits and securities among others. It is a great option for risk-averse investors who have a few years of experience in investment.

Liquid Funds: These mutual funds invest in debt instruments and money market instruments with a short tenure of up to 91 days. Each investor is allowed to invest up to Rs 10 lakhs only. The NAV of the liquid fund is calculated for 365 days, whereas the NAV of other funds is calculated only on the basis of business days.

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Happy Re public day Whatsapp DP with indian flag

Happy Re public day Whatsapp DP with indian flag

Republic Day is a day to remember when the Constitution of India officially came into force on January 26, 1950. This historical act formally transitioned India to become an independent republic and hence it is celebrated on January 26 every year.

It's noted that though India gained freedom from the British rule after a long struggle in the wee hours of August 15, 1947. Pandit Jawaharlal Nehru delivered his famous speech 'Tryst with Destiny', declaring India's independence to the citizens. But sadly this freedom did not come along with democracy and the right to choose your own Government. Since India didn't have an official Constitution then, our country was a constitutional monarchy under the rule of King George VI even after Independence. It was finally after two and half years later on January 26, 1950, when the Indian Constitution came into effect thus making India one of the biggest democracies in the world. It was on this day when India was declared as a sovereign, socialist, secular, democratic republic. And to honour this day, the Indian Republic Day is celebrated with great fervour throughout the country every year on January 26.

How do Mutual Funds work?

A mutual fund is formed when an asset management company (AMC) pools investments from various individual and institutional investors with common investment objectives. A fund manager professionally manages the pooled investment by strategically investing in capital assets to generate maximum returns for the investors. Fund managers are professionals in the field of finance with an excellent track record of managing investments and have an in-depth understanding of markets. The fund houses charge expense ratio, which is the annual maintenance fee to manage investments of individuals. The investors make money through regular dividends/interest and capital gains. They can either choose to reinvest the capital gains via a growth option or earn a steady income by way of a dividend option.

2. Why should you invest in Mutual Funds?

Convenience
Investing in mutual funds is a paperless and straightforward process. Investors can monitor the market and make investments as per their requirements. Moreover, switching between funds and portfolio rebalancing helps to keep returns in line with expectations.

Low initial investment
You can have a diversified mutual fund portfolio by investing as low as Rs 500 a month. You also have the option to invest either as a lump sum or a systematic investment plan (SIP). However, when compared to lump sum investments, a SIP is capable of lowering the overall cost of investment while unleashing the power of compounding.

Tax-saving

Section 80C provides tax deductions on specific financial instruments, and mutual fund is one of them. Equity Linked Savings Scheme (ELSS) has become a popular tax-saving option for Indians in the last few years, owing to its higher returns and the shortest lock-in period of three years among all Section 80C options.

Professional fund management

In mutual funds, your money is managed by a professional fund manager who is backed by a team of researchers. The fund manager formulates the investment strategy for your asset allocation. He/she will have real-time access to the financial environment and adjusts your mutual fund portfolio accordingly.

3. Things to consider as a first-time investor
Fix an investment goal
Defining your financial goals, budget, and tenure plays a significant role in your investments. Doing this will help you decide how much you can set aside towards investing and evaluating your risk profile. Investment always works best when done with a purpose.

Choose the right fund type
It takes more than reading about different mutual fund types to decide on the right category. Experts typically recommend a balanced or debt fund for first-time investors as it comes with minimal risks while providing higher returns.

Shortlist and choose one mutual fund
With a plethora of mutual fund schemes in each category, you need to analyse and compare them to pick the right one. Investors should not ignore factors such as the fund manager’s credentials, expense ratio, portfolio components, and assets under management.

Diversify your portfolio
Consider investing in more than one mutual fund. A portfolio of funds will help you diversify across instruments and investment styles. It will also even out risks – when one fund underperforms, the other makes up for the loss without bringing down the worth of your entire portfolio.

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