Articles by "Insurance"

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Showing posts with label Insurance. Show all posts

Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed, Tax benefits waived off only if new property is in taxpayer's name.
Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India? As per Delhi HC, sale of online medicines is harmful for all Indians.

Buying New House Wife Can No Longer Help You To Save Tax (Online Sale Of Medicines Banned)

Buying a flat in the name of the woman in the house is a great idea, but only for a long-term investment. If the property is being bought with the purpose of trading, tax benefits will not be applicable: only because the flat is in the woman’s name.

A recent case in Mumbai was where this news was brought into the limelight. The Income Tax Appellate Tribune (ITAT)’s Mumbai bench denied a taxpayer income tax benefits available on a long-term capital gain (LTGC). The concerned person was looking to buy a new flat by selling the old one. But as the new flat was in the name of his wife, he was denied tax benefits.

Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed

Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed, Tax benefits waived off only if new property is in taxpayer's name. Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India? As per Delhi HC, sale of online medicines is harmful for all Indians.
Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed, Tax benefits waived off only if new property is in taxpayer's name. Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India? As per Delhi HC, sale of online medicines is harmful for all Indians.

Here’s What Happened

R Gavankar had purchased a new, second flat jointly with his wife. He did not pay the tax applicable on the LTCG of the old house, on which Income Tax officials demanded 50% of the LTGC of Rs 17.5 lakh. Gavankar’s claim of deduction under Section 54 was denied. He was informed that to avail benefits of tax waive on LTCG under section 54 only if the owner of the second house was the taxpayer, i.e. Gavankar himself.

What does the Income Tax Act say?

According to section 54 of Income Tax Act, if you buy a new property within 2 years of selling an old property, the long-term capital gains tax is waived off the income you earn from selling the old property.

As per the Income Tax Act, if you buy and hold a residential property for a minimum of two years before selling it, the profit earned on that property is called long-term capital gain. After the adjustment for inflation (indexation Benefit), this gain is taxable at 20%. But, if this profit is used in a transaction to buy a new property, the tax is waived off. Clearly, the amount not used in buying the new property is taxable.

Expert’s Advice:

Puneet Gupta, Director at People Advisory Services said that the taxpayers who fall under the jurisdiction of Bombay High Court must be careful to avoid tax litigation. If a taxpayer is looking to buy a house in the name of their children or spouse, it would be good sense to include their own name in the registration as well. In simple words, if a property is bought under the joint names of the taxpayer and his spouse and/or children, then the tax will be waived off of one third the cost of the new property bought.

Some more things to remember:

  • A social initiative to empower women enables them to buy a property under their own name at a 2 % lower transaction cost.
  • If the property is in the name of a close relative (son/daughter/wife) who is not earning, and if the property is let out or on rent, the rental income from this property will be treated as the husband’s income and will be applicable to tax at a normal rate.
  • If you purchase a house in the name of the wife but use your own funds, this means you are using her name as name lender and is considered illegal.
  • You can make this legal by gifting the money to your wife for her to be able to buy said property. But, this requires the property income to be added to your income and will be taxable.
  • A loophole in this is to loan your wife the money in exchange for her jewelry of the same amount. In such cases, the rent from the property will not be applicable to you.
  • The wife may not be given loan by housing finance companies if she is unemployed.
  • Loans are granted to the owner of the house and a co-applicant is not entitled to concessions of any sort.
If you are looking to invest in a property, make sure you take all these conditions into consideration.

Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India?

Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed, Tax benefits waived off only if new property is in taxpayer's name. Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India? As per Delhi HC, sale of online medicines is harmful for all Indians.
Buying New House? Your Wife Can No Longer Help You To Save Tax – This Is What Changed, Tax benefits waived off only if new property is in taxpayer's name. Online Sale Of Medicines Banned Across India – A Big Blow To Ecommerce In India? As per Delhi HC, sale of online medicines is harmful for all Indians.
In a big blow to e-commerce in India, Delhi High Court has banned the sale of online medicines across India.

Why this extreme decision was taken? What will happen now to the sale of online medicines?

Delhi High Court: Immediate Ban On Online Sales Of Medicines

A bench of Chief Justice Rajendra Menon and Justice V K Rao gave their order on the ban of selling any type of medicines online.

The Bench has directed Centre and AAP Govt in Delhi to immediately implement the order, and stop ecommerce portals from selling online medicines.

This order will directly impact leading online portals for selling medicines such as Practo, 1MG, Netmeds, WeChemist and others.

The PIL Which Led To Online Medicine Ban

The bench of Delhi High Court announced this verdict after a PIL was filed by Delhi-based dermatologist Zaheer Ahmed, which was represented by advocate Nakul Mohta.

As per the PIL, these were the arguments which Delhi HC accepted, and placed a ban on online medicines:
  • Online sale of medicines is not allowed under the Drugs and Cosmetics Act, 1940 and Pharmacy Act, 1948
  • Online sale of medicines is unregulated, and harmful for all Indians
  • Drug Controller General of India in 2015 had ordered all State Drug Controllers to regulate online sales. But Govt. was not able to control it, and this can cause widespread harm to society.
  • Govt. has failed to implement Article 21, which states that it is Govt.’s responsibility to protect the health of all citizens
  • Uneducated users of the Internet from rural areas are ordering harmful medicines, which can be abused by addicts.
  • The PIL Stated: “Some drugs have psychotropic substances and can be easily ordered on the internet and misused for criminal activities or drug abuse.”

Online Sale Of Medicines In India: Controversies, Protests and More

The issue of online sales of medicines had been controversial since some time, but no one expected this extreme order by Delhi HC.

Entire pharma industry of India had declared an all-out war against e-commerce in 2015, as the protests picked up steam after that. In 2016, Drug Controller General of India had stopped all e-commerce portals from selling medicines online, but this didn’t make any change in the online business. In 2015, Snapdeal’s warehouses were raided by Food & Drug Administration (FDA) for selling drugs/medicines without a prescription.

Govt. had attempted to regulate the sale of online medicines by ordering that online portal will be allowed to sell online registered drugs, that too with a prescription.

In September, offline medicine sellers and chemists had announced a nation-wide strike wherein more than 8.5 lakh shop owners had shut down their business to protest against online sales.

Now, all eyes set on IAMAI, and online medicine portals, to take the next step. We will keep you updated.

College grads with public student loans typically get a six-month grace period after convocation before they have to start making payments. And that means for Spring 2018 grads, it’s probably time to start paying up.

Student loan debt can be overwhelming. If you’re lost on where to start, follow this checklist.

What to Do Now That the Student Loan Grace Period Is Over

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Familiarize Yourself With Your Loans

You need to know the basics of your student loans: Who the servicer is (and this can change over time), how much you owe, what your repayment plan is, how much you owe each month, the interest rate, etc. Write this down somewhere so you can keep track of everything.

For federal loans, go to the Department of Education’s database, which will have all the information you need. If you have private loans, call your lender(s) and ask for all of the pertinent information.

Consider a Different Repayment Plan

Once you have the basics down, you need to get a handle on your budget. Subtract your monthly expenses from your income, and see how much you have leftover for your student loan payments. You need to always pay off the minimum, but if you can afford a bit more each month—say, by having a roommate or cutting out some other extraneous expense—then put that toward your debts.

If you’re overwhelmed after you calculate your budget, consider switching your repayment plan to an income-based repayment plan. These plans require you to pay a percentage of your income if you’re under a certain income threshold. Call your servicer and ask about the different options available to you. As we wrote previously, “income-driven repayment plans may not necessarily give you the lowest monthly cost of all the repayment options, need to be enrolled in an income-driven repayment plan to qualify for the Public Service Loan Forgiveness program or other forgiveness options.”

If you absolutely can’t afford your payments (or you don’t have a job yet), then consider deferment or forbearance. As we covered previously:

Forbearance means your payments are temporarily reduced, though interest continues to build, while you may be able to get interest waived with a deferment, depending on the type of loan you have. You’ll need to apply with your servicer before you default, and what you qualify for will depend on factors like your employment status and payment history.

Ideally, before that happens, look into your other repayment options and find something that works for you.

Set Up Auto-Payments

Auto-payments will ensure you’re making all of your payments on time, and, depending on your lender, could mean a 0.25 to 0.50 percent reduction in your interest rate. It’s modest, yes, but it’s something.

Learn About Employer Contributions

As student loan debt becomes a bigger burden on those in the workforce, more employers are offering contributions toward their employees’ debt. These student loan repayment plans allow employers to make monthly contributions directly to the principal balance, according to the Society for Human Resource Management. While these programs are not particularly widespread yet, it’s worth asking your employer if it’s an option, or giving more weight to potential employers who do this.

Always Make the Minimum Payment

Failing to pay anything toward your loans means they’ll end up delinquent, which hurts your credit score and finances long term. Absolutely make at least the minimum payment each month.

Don’t Fall Victim to a Loan Scam

Chances are, if you have student loan debt you’ll be approached by someone who claims their company can help you pay off your loans faster, if you pay them a certain amount of money each month. Usually, they say that they’ll help your debt be “forgiven.” Know that this is a scam. No one can magically make your debt disappear; loan forgiveness is extremely rare, and paying someone to “help” you pay your loans will likely result in you losing a bunch of money and falling behind on your loan payments, which can lead to garnished wages, seized tax returns, etc. If you have private loans, forgiveness isn’t going to happen at all, so be alert.

Don’t trust these people. Hang up, or report them to your state’s attorney general or the Federal Trade Commission. It’s only natural to want an easy way out, but you have to repay what you owe. Here’s more on how to spot a scam:

Put Extra Toward Your Principal Balance

If you can swing it, you can request any extra payments above your monthly minimum be applied to the principal balance of your loans rather than the interest. The benefit here is twofold: Your balance is lowered overall, which means lower payments, and your interest payments are also lowered.

As we’ve covered before, though, servicers won’t just apply your payments like this out of the goodness of their hearts. You need to direct them to do so, and then check in to make sure it’s been done appropriately. You can find a form letter here that you can send to them.

How to Prioritize Your Many Financial Needs

As a young adult, paying off loans, saving for retirement, building up an emergency fund and getting yourself on the right track can seem impossible. You’re likely starting with a low salary, and it will seem like there’s just not enough money to do everything you want and need to do.

And you’re right, there isn’t. But that doesn’t mean you can’t make a smart plan. Here’s what to prioritize:

1. Make sure all of the essentials are paid for: Rent, transportation, food, clothing, etc.

2. Make your minimum monthly payments on your student loans.

3. Build up your emergency fund. Money in a 401(k) isn’t going to help you if your car breaks down. How much varies, but $1,000 should be your first goal, which you can then build on. This can be done simultaneously with #2. Automate everything!

4. Contribute to your retirement account, either up to the employer match in your 401(k) or a reasonable amount on your own into a Roth IRA. You likely can do this and save in your emergency fund at the same time, depending on how much you contribute. One percent is enough, two percent is even better.

5. If you have any extra, put that toward your student loans. After making the minimum payments, you want to prioritize investing for retirement, which will have a higher return than putting more toward your student loan.

Obviously, what you end up doing will depend on your circumstance and how you relate to your money. Maybe you want to focus on paying down your debt above all else. That’s not what a lot of financial advisors would say is the most prudent move, but if that’s what will make you most comfortable and less stressed with your money, than that’s what you need to do. Allow yourself to mess up and get back on track.

bingगूगल को टक्कर देने के लिए माइक्रोसॉफ्ट अब कंपनी ने अब सर्च करने पर यूजर्स को पैसे देगी। बिंग सर्च इंजन यूज करने पर माइक्रोसॉफ्ट पॉइंट के तौर पर रिवॉर्ड देगा जिसे पैसे में तब्दील किया जा सकता है। माइक्रोसॉफ्ट के रिवॉर्ड प्रोग्राम की शुरुआत के तहत यूजर्स को Bing से सर्च करने पर इनाम दिए जाएगा। हालांकि मीडिया रिपोर्ट्स के मुताबिक अभी यह सुविधा सिर्फ यूनाइटेड किंगडम में ही लॉन्च होगी। 
रिवॉर्ड पाने के लिए यूजर्स को अपने माइक्रोसॉफ्ट अकाउंट से बिंग में लॉगइन करना होगा। इतना ही नहीं, अगर यूजर्स माइक्रोसॉफ्ट के वेब ब्राउजर ऐज यूज करेंगे तो प्वॉइंट्स डबल हो जाएंगे। यानी माइक्रोसॉफ्ट ने अपने ब्राउजर को भी एक पुश दिया है। लेवल 1 यूजर्स रोज 10 चीजें सर्च करके 60 पाइन्ट्स कमा सकेंगे। वहीं 500 पॉइन्ट्स तक पहुंचने पर आप लेवल 2 के मेंबर बन जाएंगे और रोड बिंग सर्च से 150 पाइन्ट्स कमा सकेंगे।
माइक्रोसॉफ्ट के मुताबिक बिंग पर किए गए सर्च कंप्यूटर और मोबाइल दोनों में किए जा सकते हैं। सर्च लिमिट हर दिन रिसेट किए जाएंगे यानी दूसरे दिन फिर से प्वॉइंट कलेक्ट किए जा सकते हैं। फिलहाल दुनिया भर में सर्च इंजन बाजार में 77.98 फीसदी शेयर के साथ गूगल नंबर-1 पर है। बिंग 7.8 फीसदी के साथ दूसरे नंबर पर है, जबकि चीन का सर्च इंजन Baidu तीसरे नंबर पर है।

Motorola Moto Z2 Play Review [With Video]: With Moto Mods, It’s the Real Flagship Killer

Moto Z phones along with Moto Mods were a welcome break from the regular spec sheet race last year. While the ‘modular’ Moto Z series phones are competitively priced, Moto Mods are expensive. To this, Managing Director of Motorola Mobility India Sudhin Mathur said, “Innovation comes at a price. You decide whether you want more RAM or something really new and innovative.”

While the older Moto Z Play smartphone is still selling for Rs 24,999, the second generation, Moto Z2 Play, offers a better design and upgraded hardware for the price of Rs 27,999. Both the Moto Z Play phones essentially focus on the overall "modular" experience in a budget rather than just a mere spec-sheet comparisons. So, what can a first-time Moto Mod user expect and should Moto Z Play users upgrade to the latest edition? Let’s find out in this review. 

google docs to wordpressWe love WordPress, but it can also be frustrating sometimes when it doesn’t work flawlessly with another platform or integration. A lot of you are business owners and bloggers which have to deal with content creation for your sites on a regular basis. More often than not this is done via Google Docs because it is super easy for people to share drafts and collaborate in real-time for free. However, when it comes to moving from Google Docs to WordPress, this is where things get messy, as much of your formatting is lost or breaks. And it soon becomes a WordPress publisher’s nightmare. Check out these four tricks to help make working with Google Docs and WordPress a little easier.

The Issue With Google Docs and WordPress

It is no question that Google Docs is probably one of the most popular platforms when it comes to online document sharing and editing. Microsoft Office 365 is really its only competitor. In fact, if we take a look at Google Trends for “Google Docs,” you can see that over the past 5 years interest around it has been steadily increasing. Google Docs is completely free to use and that is why it has become a popular tool for content creators, bloggers, and writers.

google docs trendsGoogle Docs trends
So let’s dive into the real issue. Let’s say you hire a writer to put together an article for your blog. They put together the draft in a Google Doc and send you a link so you can take a look and approve it. Perhaps you make a few edits and then are ready to move it into your WordPress site. Typically you would simply copy and paste the contents from your Google Doc into the WordPress visual editor. But what happens, in reality, is that this results in all sorts of formatting issues.
Below is an example Google Doc we are going to use. So we select all the content and copy it to our clipboard.

Google Doc example
We then go over to our WordPress editor and paste it. The first issue you have is that typically there will be extra line breaks in-between paragraphs, even though in the Google Doc there is literally only one line break.

google doc exampleGoogle Docs to WordPress spacing issue
Google Docs to WordPress spacing issue
It gets worse though, if we take a look at the text and or code view of it, here is what it looks like. You can see that all of this extra unecessary code is being added.

google docs to wordpress span style font weight 400
Google Docs to WordPress span style issue
Extra lines breaks are being added inserting this code.
When you copy from Google Docs to WordPress it creates extra span styles everywhere.
<span style="font-weight: 400;"> </span>
When you copy from Google Docs to WordPress and have lists it creates extra font-weights styles.
<li style="font-weight: 400;">
So basically you are left with a mess in your code. And even if you ignore the code, which you shouldn’t, you would still have the line breaks everywhere. On a 2,000+ document this is a lot of backspacing to be done to fix it. And your are still left with underlying code which really should be fixed. This is a huge waste of time. It can also affect your performance. Yes, it is at a very minimal level, but even HTML makes up your overall total page weight. So what can you do about it? Well, follow the tricks below.
Note: It is important to know that Office 365 Word doesn’t have the same issue with span styles and font weight. However, it still has the spacing issues when copying across to the WordPress editor. Also, you might be wondering about images. Images don’t copy across either, but you should generally upload those separately anyways. Images should be compressed, as well as strategically naming the file for SEO purposes. That’s right, even image files names matter when it comes to SEO.

Google Docs to WordPress

It’s kind of surprising that these issues are still happening 2017, and we are curious why they aren’t being discussed more in the WordPress community. We personally know a lot of you writers out there are using Google Docs. We use it as well. Thankfully, there are a few tricks you can use to make your workflow from Google Docs to WordPress less painful and streamlined.

1. Trick to Clear Formatting

The first little trick is a little weird, but it works, and involves a simple copy and paste a couple times along with utilizing the clear formatting button. Follow the steps below to get quickly clean up the formatting.
Retain Google Docs to #WordPress formatting with this simple trick! 😂 Click to Tweet

Step 1

Copy and paste the contents from Google Docs into your WordPress Visual Editor as normal. Select your text and copy it again to your clipboard.

copy contents in wordpress
Copy contents in WordPress editor

Step 2

It sounds weird, but create a new temporary blank post draft by clicking into “Add New” under posts in your dashboard. Then paste the content again from your first post that you just copied. When you paste this the second time it will automatically clean up the extra line breaks.

temporary draft wordpress
Temporary draft in WordPress – No more line breaks

Step 3

Then copy and paste the contents from your temporary draft back into your original post. Highlight all of the content and click on the “Clear formatting” button in the visual toolbar editor. This will remove the span styles, and font weights. This trick retains all of the headers (h1, H2, H3, etc.). The only thing it doesn’t retain is the bold. If you need to retain every 100%, then check out trick 2 and 3.

WordPress clear formatting
WordPress clear formatting
And here is an example of the text and or code view after the steps above. As you can see, it is as clean as a whistle.

clean formatting text view
Clean formatting text view
Now you can continue to work with writers and bloggers using Google Docs and it won’t slow down your workflow. All it takes is a simple copy and paste a couple times and using the clear formatting button.
For some of you, this may not matter that much. But for those of you who use both Google Docs and WordPress a lot, this might just be a lifesaver! We use this trick ourselves every day. When we originally went to find a solution we even were going as far as converting to Markdown and then moving back into WordPress. Little did we know, all it took was a simple copy and paste, plus clearing the formatting, which gets you to almost near perfect.

2. Use Wordable to Easily Move Google Docs to WordPress

The second option you have is to use a premium service called Wordable. This was actually created for the very problem we described above, and that is, there has not been a good solution to move Google Docs to WordPress. Basically with Wordable you can draft and collaborate in Google Docs as normal. When you are ready, there is a one-click button import to your WordPress site. It retains all your tags, headers, bold, bullets, italics, and even your images.
They have a free plan which allows you to give it a try. It comes with unlimited free exports for 24 hours and 2 free exports after that. You can hook it up to one WordPress site. If you need more exports and the ability to export to multiple WordPress sites the premium version is $19/month. While this does sound costly, if you use Google Docs on a daily basis, this service definitely pays for itself.
The two possible cons for some is that you have to give them access to your Google Drive as well as your WordPress site (with the plugin). This might be an issue for those concerned with security. We would personally love to see a 3rd party, standalone exporter. Follow the steps below on how to easily export from Google Docs to WordPress.

Step 1

Sign up over at Wordable for a free account. It will ask for permission to your Google Drive.

Step 2

Add your WordPress site under Settings and download and install the plugin.

Step 3

Search for the document in your Google Drive list and click on “Export to WordPress.” This will create a draft of the article on your WordPress site.

wordable export to wordpress
Wordable export to WordPress

Step 4

Click on the “Published as Draft” link or visit your WordPress dashboard to examine the post.

Wordable draft
Wordable draft
And here is how it looks in the WordPress editor. All the formatting came across perfectly, no extra code. And even the image came across.

exported google doc to wordpress
Exported google doc to WordPress
Also, as far as the images goes, when you upload an image to Google Docs, it actually does retain its filename. So if you instruct writers beforehand to name their images for SEO purposes, it will then follow through if you are exporting using Wordable.  Otherwise, if they don’t. We would recommend re-uploading all of your images, which could be a pain.

Wordable image file names
Wordable image file names
Images exported from Wordable also go directly to your WordPress media library which means they can be compressed with a third party image optimization plugin. As you can see, Wordable can be a very fast and effective option if you need something to export from Google Docs to WordPress and retain all the formatting.

3. Jetpack and Chrome Extension

Another solution is to use Jetpack, along with their free Chrome extension. One thing to be aware of though is that JetPack does add additional requests to your site, and it requires things such as XML-RPC and the JSON API to be enabled for it to function.

jetpack plugin
Jetpack plugin

Step 1

You can download Jetpack from the WordPress repository, or by searching for it within your WordPress dashboard under “Add New” plugins.

Step 2

Upon activation you will need to connect Jetpack to

connect jetpack to wordpress
Connect Jetpack to

Step 3

Then install the free to Google Docs Chrome extension. You will have to give it permission to access your documents.

Step 4

Then in Google Docs click on “Add-ons” and select “ for Google Docs.” Then on the right hand side you can click on “Save” and it will create a post in your WordPress site.

jetpack export google docs to wordpress
Export Google Docs to WordPress with Jetpack
And here is how it looks in the WordPress editor. All the formatting came across perfectly, no extra code. And even the image came across, along with the image filename.

Google Docs Jetpack example
Google Docs Jetpack example

4. Give Writers a WordPress Account

The last option you have is to simply create WordPress accounts for your writers and require that they create everything entirely within the WordPress editor. For some, this might be a better solution, but there are also a lot of companies that don’t want to have to worry about managing author accounts.
WordPress essentially contains six different user roles. For authors and writers you will probably want to choose one of the following, based upon what you want them to have access to:
  • Author: somebody who can publish and manage their own posts.
  • Contributor: somebody who can write and manage their own posts but cannot publish them.
To create an account for a writer simply click on “Add New” under Users in your WordPress dashboard and assign the role you want them to have.

give writer wordpress account
Give writer access to your site
You could even take this a step further with a permissions plugin like the User Role Editor. But even with correct roles and permissions setup, letting more people access to your WordPress dashboard still weakens your overall security. Just make sure you are careful when adding accounts for people you don’t know.


If you work with writers who use Google Docs a lot, or perhaps you are a writer, hopefully, one of the above tricks and recommendations will help speed up your workflow. And perhaps one day we can simply copy and paste directly from Google Docs to WordPress without having to do anything! The team at Wordable definitely have the right idea going.
What are your thoughts? Have you struggled with the Google Docs formatting issue as well? If so, let us know below.

नई दिल्ली: चाइनामैन गेंदबाज कुलदीप यादव भारत के लिए वन-डे खेलने वाले 217वें खिलाड़ी बन गए हैं. कुलदीप यादव को वेस्टइंडीज के खिलाफ पोर्ट ऑफ स्पेन के क्वींस पार्क ओवल में खेले गए पहले वन-डे में पदार्पण का मौका मिला. 22 वर्षीय कुलदीप यादव को इस साल मार्च में धर्मशाला में ऑस्ट्रेलिया के खिलाफ टेस्ट करियर शुरू करने का मौका मिला था. कुलदीप ने इंटरनेशनल क्रिकेट में अपना आगाज धमाकेदार तरीके से किया था. पहली पारी में ही उन्होंने डेविड वॉर्नर, शॉन मार्श, पीटर हैंडस्कोम्ब और मैक्सवेल को आउट कर ऑस्ट्रेलियाई टीम को चारों खाने चित कर दिया था. हालांकि, पदार्पण टेस्ट के विपरीत पदार्पण वनडे में कुलदीप यादव को बल्लेबाजी और गेंदबाजी दोनों में ही करिश्मा दिखाने का मौका नहीं मिला. वन-डे खेलने वाला 217वां प्लेयर: न बैटिंग का मिला मौका, ना बॉलिंग का

पोर्ट ऑफ स्पेन के क्वींस पार्क ओवल में खेले गए मैच की बारिश के कारण एक भी पारी पूरी नहीं हो सकी. विंडीज के कप्तान जेसन होल्डर ने टॉस जीतकर पहले फील्डिंग का फैसला किया. टीम इंडिया ने 39.2 ओवर में 3 विकेट पर 199 रन बना लिए कि बारिश आ गई, जो निर्धारित समय तक में नहीं रुकी. अंत में मैच रेफरी और अंपायरों ने खेल रद्द करने का निर्णय ले लिया. विराट कोहली (31) और एमएस धोनी (9) क्रीज पर हैं. शिखर धवन ने 87 रन (92 गेंद, 8 चौके, 2 छक्के) ठोके. अजिंक्य रहाणे ने 78 गेंदों में 62 रन (8 चौके) बनाए. रहाणे ने चौका और शिखर धवन ने छक्‍का लगाकर अर्धशतक पूरा किया. धवन-रहाणे के बीच पहले विकेट के लिए 132 रनों की साझेदारी हुई, जबकि धवन-कोहली ने दूसरे विकेट के लिए 36 रन जोड़े. युवराज सिंह चार रन ही बना पाए. जेसन होल्डर, अल्जारी जोसेफ और देवेंद्र बिशू ने एक-एक विकेट लिया. (लाइव स्कोरकार्ड)

21 से 39.2 ओवर : धवन शतक से चूके, रहाणे की भी फिफ्टी, मैच रद्द

21वें ओवर में अंतिम गेंद पर चौका लगाकर रहाणे ने फिफ्टी पूरी की. ओवर में आठ रन बने. 23वें ओवर में जोसेफ को छक्का जड़ते हुए फिफ्टी बनाई. ओवर में 13 रन बने. 24वें ओवर में नौ रन बने. 25वें ओवर में अल्जारी जोसेफ ने अजिंक्य रहाणे (62 रन, 78 गेंद, 8 चौके) को होल्डर से कैच करा दिया. 26वें और 27वें ओवर में 15 रन बने, जिसमें धवन का एक छक्का भी शामिल रहा. 28वें और 29वें ओवर में नौ रन बने. 30वें और 31वें ओवर में 10 रन बने. 32वें ओवर में देवेंद्र बिशू ने जमकर खेल रहे शिखर धवन को 87 रन (92 गेंद) को पगबाधा आउट कर दिया. 33वें और 34वें ओवर में कुल छह रन बने. 35वें और 36वें ओवर में 10 रन बने. 37वें ओवर में होल्डर ने युवराज को चार रन पर ईविन लेविस से कैच करा दिया. 37वें और 38वें ओवर में पांच रन बने. 38वां ओवर खत्म होते ही बारिश आ गई और खेल रोकना पड़ा. काफी देर बाद खेल फिर शुरू हुआ. 39वें ओवर में एमएस धोनी के चौके से सात रन आए. 40वें ओवर में दो गेंद बाद ही फिर बारिश आ गई, जो नहीं रुकी और मैच रद्द हो गया.

बचे हुए मैचों का शेड्यूल

दूसरा वनडे : 25 जून, रविवार, पोर्ट ऑफ स्पेन, शाम 6:30 बजे
तीसरा वनडे : 30 जून, नॉर्थ साउंड, एंटीगुआ, शाम 6:30 बजे
चौथा वनडे : 2 जुलाई, नॉर्थ साउंड, एंटीगुआ, शाम 6:30 बजे
पांचवां वनडे : 6 जुलाई, सबीना पार्क, जमैका, शाम 7:30 बजे
एकमात्र टी-20 : 9 जुलाई, सबीना पार्क, जमैका, रात 9:00 बजे

Unless you’ve had to look up information about auto insurance to get a policy for yourself, you might not know a whole lot about it, and that’s okay, a lot of people don’t. Drivers Ed seems as good a time as any to teach people about auto insurance and how it works, but it’s seldom covered. If you’re confused or unsure about how to get an auto insurance estimate or how auto insurance works in general, CoverHound can help. The Top 30 There is no such thing as a stupid question. Here are 30 questions people are constantly asking about auto insurance.
The 30 Most Frequently Asked Questions About Auto Insurance
Q: How long does it take to get an insurance quote?
A: Finding auto insurance online takes as little as 5 minutes when you use CoverHound.

Q: What happens if I lie about my driving history?
A: If you lie about your driving history, the DMV reports that you are committing what is known as “soft fraud.” If you do lie, the insurance company can deny you services and cancel your coverage.

Q: What does auto insurance cover?
A: Auto insurance covers you, your car and others involved in a vehicular accident.

Q: Are there different insurance coverage types?
A: Yes, there are different insurance coverage types and they are as follows: Bodily Liability, Property Damage Liability, Comprehensive, Collision and Uninsured & Underinsured.

Q: Is auto insurance mandatory?
A: Yes, auto insurance is mandatory in every state across the U.S., but insurance carrying laws vary. To make sure you have the right insurance, visit your state government’s transportation website.

Q: What happens if I don’t get auto insurance?
A: If you get in an accident and you’re uninsured, you face getting sued, losing your life’s savings and getting jail time.

Q: How expensive is auto insurance?
A: Auto insurance is relatively inexpensive, but this depends on your driving history and credit report.

Q: What is the cheapest policy?
A: The most affordable policy is auto liability. Though it is often recommended that you purchase more than this coverage type.

Q: Can I put anyone on my policy?
A: You can include members of your household on your policy, but you must all live at the same address.

Q: Can you pay for auto insurance once a month or annually?
A: Most insurance companies leave this to your choice. Some will offer you a lower insurance premium rate if you pay your premiums annually.

Q: What happens if I forget to pay my premium?
A: For your first offense, your insurance company will mail you a warning notice. If it happens again, they will issue a late charge or cancel your policy.

Q: What is an insurance deductible?
A: An insurance deductible is the amount of money you pay after an accident before your insurance company pays for the remaining amount.

Q: Can I deduct my auto insurance from my taxes?
A: While it truly depends on your situation, in most cases, car insurance is not tax deductible.

Q: Can I change my coverage whenever I want?
A: Yes, but you will be charged a cancellation fee. If you wait until the end of your policy, then you won’t be charged.

Q: Can an auto insurance company deny you service?
A: Yes, they can. If you have a DUI on your record, have bad credit or have caused a serious accident, you can be denied service.

Q: Will my gender affect my premium rates?
A: Yes, gender does affect premium rates. Using statistical driving data, it has been found that male drivers are generally involved in more accidents. As result, male drivers pay bigger premiums than their female counterparts.

Q: Does my credit score really affect my premiums?
A: Yes. If you have a low credit score, your insurance premiums will be higher.

Q: Will my red car make my insurance bills more expensive?
A: No. This is a myth. Driving a red-colored vehicle does not make your insurance premiums more expensive than other colored vehicles.

Q: How can I get an insurance discount?
A: By being a good student, having a clean driving record, a low credit score and by asking your insurance agent for discounts.

Q: If I’m driving someone else’s car and get in an accident, whose insurance do I use?
A: You will use their auto insurance. For whatever costs that are left over, you will then use your insurance.

Q: Will having a parking ticket on my driving history raise my premium?
A: If you only have one ticket on your driving history, your premium rates will not be affected.

Q: My car is 20 years old. Will insurance still cover it?
A: This depends on the shape of the vehicle. Typically, older cars are provided with less coverage because they are not worth very much money, and would likely be scrapped altogether in the case of an accident.

Q: Does my auto policy cover a rental vehicle?
A: In most cases, yes. If you’re driving a rental car of similar value to the car you own, your auto policy should be enough to cover the rental vehicle. Liability coverage would cover third-party vehicle damages. PIP would cover yours or the other parties’ medical bills, and if you’re worried about your belongings being stolen, well, renters or homeowners insurance should extend to cover that, too. If you don’t have collision or comprehensive coverage on your regular auto policy, then the one rental car add-on worth considering is a loss-damage waiver. This waives your financial responsibility in the event the car is damaged or stolen. It’ll also cover loss-of-use charges while the car’s being repaired. Always double check with your insurer before declining the different rental car coverages if you’re not clear on what coverage your policy provides.

Q: How long does it take to file a claim?
A: Filing a claim with your insurance agent should only take 20 minutes.

Q: When can an auto insurance company deny your accident claims?
A: They can deny your claims if they have proven beyond a reasonable doubt that you were driving recklessly or lied about accident damages.

Q: Will my auto insurance pay to have my stolen car replaced?
A: This depends entirely on the insurance coverage you have. Comprehensive coverage will protect you in this type of event.

Q: Will auto insurance companies share my information with each other?
A: Yes. Auto insurance companies will share your insurance claims history with each other.

Q: How do I know if I’m getting a fair deal?
A: By doing quick auto insurance price comparisons with CoverHound.

Q: Which insurance company is the best?
A: This depends entirely on your area and what type of coverage you are looking for.

Q: What happens if I cancel my policy before the contract expires?
A: You will be charged a cancellation fee. Now that you have this knowledge, go out and find the right auto insurance protection with CoverHound.

July 22, 2017 , ,
VCs love insurance, even if you don’tMost people hate shopping for insurance, and they don’t enjoy talking about it either. That’s probably why you’re unlikely to hear about the industry’s current transformation in conversation, even in startup circles.
Insurance investment totals are heavily driven by a few large rounds. Over the past year, the two biggest funding recipients are tech-enabled health insurer Bright Health and pay-by-the-mile auto insurer Metromile, which raised $160 million and $153 million, respectively. In 2016, health insurance provider Oscar Health took in $400 million in growth funding, more than 40 percent of all insurance startup investment.
But make no mistake, there are vast sums of venture dollars going into insurance deals. Investment has risen dramatically, with VCs betting that, in the coming years, we’ll see major shifts in both how we buy insurance and what types of items we insure with it.
So far this year, insurance-focused startups (excluding the Asian continent*) have raised more than $700 million, almost as much as they raised in all of 2016, which was itself an especially busy year for the space. Much of the funding boom comes from big insurers themselves, who are backing and leading more rounds for insurance startups, as well as companies in related areas like financial services. In the chart below, we look at funding growth over the past four years:
At first blush it may seem like insurance and venture capital make an odd couple.

There are plenty of smaller and mid-sized rounds getting done, too. Over the past year, at least 75 companies in the insurance space have raised rounds of $1 million or more, and about a quarter of those were for $20 million or more. They cover a big range of business models, as well, including new insurance categories, online platforms for comparing and purchasing coverage and tools for providers to better assess risk.

One might be inclined to call these startups industry disruptors — except that their biggest supporters seem to be long-established players in the space.

We hear you like insurance
As mentioned, a sizeable chunk of the financing comes from insurance companies themselves, many of whom have dedicated venture arms. The most active by round count looks to be AXA Strategic Ventures, the VC arm of French multinational insurer AXA. The two-year-old fund has invested in two dozen companies over the past two years, including a $6.5 million round it led this month for QLoo, a celebrity-backed developer of AI-powered tools for mapping cultural tastes. MassMutual Ventures, the VC arm of insurance giant MassMutual, has also been keeping busy, backing 16 companies over the past three years. In the chart below we look at a few:

Well-known venture firms are also leading significant rounds. New Enterprise Associates, for instance, backed both Metromile and Bright Health, along with Indio, a seed-stage commercial insurance startup. Accel and Bessemer have also each made three insurance-focused investments in the past couple of years. And over the years, most of the biggest Silicon Valley firms have at least one investment in the space.

But while it looks like large sums are going into insurance deals, the figures may underestimate the breadth of activity. One reason is that many fast-growing players in the insurance space operate in other industries too, such as financial services. A case in point is Credit Karma, the credit score unicorn that now offers auto insurance quotes alongside offers for credit cards and other financial products.

What next?
At first blush it may seem like insurance and venture capital make an odd couple. Venture capital is all about taking big risks for the potential of even bigger payouts down the road, while insurance is all about quantifying and mitigating risk.
In small allocations, however, venture can actually be a strategy for reducing risk, as it allows large, entrenched players to track and take stakes in the upstart ventures that could reshape their industries. It’s worth noting that many of today’s largest insurance companies have histories that date back a couple of centuries. They didn’t  last this long without some ability to adapt to changing times.
* Crunchbase’s tally of insurance investment totals excluded Asia, which sees fewer deals but some large ones. The biggest to date is Zhong An, a China-based online insurance company that raised more than $900 million two years ago.

June 27, 2017 , , , , , , ,
When Eurogamer leaked the Super NES Classic Edition and everyone started making their lists, no one included Star Fox 2. Hell, we made two lists and even we didn't mention it. The reason? It was never actually released, and there was no reason to suppose that it would ever escape the murky realm of emulation. 
Star Fox 2 on Super NES Classic is an Amazing Surprise, But is it Complete?
That makes it easily the biggest and best surprise from today's SNES Classic Edition announcement. At last, Star Fox fans will get to play the sequel that has to this point been lost to history. Whether or not it's actually good, it's a great moment for the fans. 
The only question is whether it's actually complete. 
Unfinished prototypes have been floating around the Internet for years, which fans have used to patched together into ROMS. There is a semi-complete version with a fan translation, but it's still buggy, and it lacks some key gameplay features and encounters. Dylan Cuthbert, who programmed both the original and the sequel, claims that a finished version does exist, and that he played it while working on Star Fox Command, but this version has yet to see the light of day. 
If it is just a prototype, then it will at least be a cool chance for mainstream fans to see the game that almost happened. But if it is the complete version, then that's huge for fans and historians alike.

Star Fox 2 History Before the SNES Classic

Star Fox 2's story is of course well-known among retro fans and gaming historians. Originally developed in the wake of Star Fox's breakout success on the Super Nintendo, Star Fox 2 was to have been released in 1995—roughly a year before the launch of the Nintendo 64. It would have dramatically expanded on the original game with two new characters, new vehicles, all-range mode, and most importantly, multiplayer. 
As originally conceived, it would have been very different from the first Star Fox. The sequel would have eschewed the level-by-level shoot 'em up gameplay of the original in favor of a more tactical experience. It was to have featured a map screen in which players would have piloted their Arwing around the Lylat System and engaged enemy forces as they made contact. The goal would have been to protect Lylat from interplanetary missiles while taking on various bosses, including Star Wolf.
With the Super Nintendo still going strong thanks to Chrono Trigger and Donkey Kong Country, there was plenty of room for a Star Fox sequel, but the advent of the 32-bit generation changed Nintendo's calculus. 
"It was the summer of 1995 and the PlayStation and Saturn were suddenly doing very well in Japan," Star Fox programmer Dylan Cuthbert told Nintendo Life back in May 2015. "I think that caught Nintendo off-guard. The decision was made because they didn't want the old-gen 3D going up against the much better 3D of the next generation, side-by-side. The rivalry between Sony and Nintendo was very fresh and strong back then because of the whole SNES CD-ROM affair." 
Star Fox 2 was subsequently shelved despite being functionally complete, relegating it to the status of historical curiosity. 
Since then, many of Star Fox 2's most innovative features have filtered into other games. All-range mode, multiplayer, and the villainous Star Wolf were all introduced in Star Fox 64. The more tactical gameplay became a fixture of Star Fox Command on the DS. The transformable walker made its debut in Star Fox Zero.
Indeed, Star Fox as a whole has been largely missing in action on Virtual Console. Star Fox 64 was released on the Wii and the Wii U, but the original remains conspiciously unavailable. There is some confusion as to why this is the case, with speculation ranging from the built-in SFX chip being difficult to emulate to Argonaut demanding licensing fees. That it's included in the SNES Classic alongside its lost sequel makes this release all the more momentous. 
Prominent gaming historian Frank Cifaldi, who recently founded the Video Game History Foundation, praised Nintendo's decision to dig into their catalog of unreleased games, and added that he hoped it would indeed be a feature complete version with an English language script. "As archivists, there's only so much we can do to help preserve history like this on our own. There is no way that a final version of [Star Fox 2] (assuming that's what this is) could have been seen by anyone without Nintendo finding a way to sell it, so this is good news for everybody. I don't honestly know how much unreleased material still exists over there, but hopefully the positive buzz this is getting will inspire others to dig through their vaults too." 
Hopefully Nintendo does indeed seize the moment and release a master version of Star Fox 2, assuming it still exists. Regardless, it's great to see them use the SNES Classic as more than an opportunity to cash in on the same games we've seen time and again.

ZTE QUARTZ SMARTWATCH में आया नया अपडेट, ऐसे करे अपडेट प्रोसेस
चीनी मल्टी टेलीकम्यूनिकेशन कंपनी जेडटीई ने इस साल के शुरुआत में अपने स्मार्टवॉच क्वार्ट्ज़ को लांच किया था. कंपनी अपनी स्मार्टवॉच की सुरक्षा को ध्यान में रखते हुए अपडेट जारी किया है. जिसके अपडेट करने के बाद स्मार्टवॉच के सॉफ्टवेयर में जो बलवाव देख पायेगे. आपको बता दे इस तरह के सॉफ्टवेयर अपडेट से स्मार्टवॉच में सुधार किया जाता है. सूत्रों की माने तो क्वार्ट्ज़ स्मार्टवॉच के इस अपडेट को ऐसे कर पायेगे.
इस अपडेट के तहत यूजर को गूगल सिक्योरिटी पैच ,ब्लूटुथ कनेक्टिविटी ,सिंक इंहेंसमेंट, बग फिक्स और भी बेहतर परफॉरमेंस को ले पायेगे. अपडेट को प्राप्त करने के लिए यूजर को वाईफाई नेटवर्क की मदद से लॉगिन करना होगा. उसके बड्ड यूजर को अपने स्मार्ट वाच के में मेनू में जाना होगा. फिर सेटिंग>सिस्टम>अबाउट>सिस्टम अपडेट पर क्लिक करना होगा.  
इस प्रोसेस के माध्यम से यूजर आसानी से अपनी क्वार्ट्ज़ स्मार्टवॉच को अपडेट कर पायेगे. ध्यान में रखने वाली बात यह है कि इंस्टालेशन करने से पहले यह जांच ले. आपकी डिवाइस फुल चार्ज है या नहीं.

Xiaomi Mi Max Has Finally Received The Android 7.0 Nougat Update
Xiaomi Mi Max is finally receiving the Android 7.0 Nougat update. Popular Chinese company Xiaomi released this bezel-less handset in 2016.
 According to Phone Arena, more than a year ago Xiaomi landed its evolutionary handset Xiaomi Mi Max that started the trend of the bezel-less smartphones. The important fact is this Chinese handset was hardly accessible in other countries through the official channels. However, the existing consumers can now avail the Android 7.0 Nougat update from the Chinese company.
The Xiaomi Mi Max is the largest screen smartphone of the Chinese smartphone manufacturer Xiaomi. The handset is based on the important global MIUI The new Android 7.0 Nougat update includes a set of essential features. Through this update, consumers can avail an option to hide the notifications' content on the lock screen.
According to Tech Value, the Xiaomi Mi Max performed well in the world market after releasing in May 2016. The handset is equipped with a 6.44-inch touchscreen display and a big 4.850mAh battery. With Snapdragon 650 chipset the smartphone delivers smooth performance. After the said update the owners of the Xiaomi Mi Max can have the improved touch in the handset.
The update provides better COU allocation and improvements for the common settings in search results. The consumers of the Xiaomi Mi Max handset can avail the May security patch with the Android 7.0 Nougat update. That means the handset is receiving a set of improvements.
Now the important thing is the owners of the Xiaomi Mi Max Prime model are not currently entitled to cherish this update. The models that contain 3GB of RAM can update their handsets with the Android 7.0 Nougat. No word is available on the models that contain 4GB of RAM and 128 GB internal storage. That means the owners of the Prime model have to wait to see the next development regarding the update.

June 26, 2017 , , , , , , ,
AMD Ryzen Threadripper X390/X399 release date, specs news: Monster CPU
The wait for AMD's (Advanced Micro Devices) most powerful central processing unit (CPU) chips will soon be over. With June coming to a close, techies are getting closer and closer to the AMD Ryzen Threadripper X390/X399 release on July 27.
Personal computers with the 16-core and 12-core versions of the CPU will hit the racks on the said date, according to PC World. Alienware has exclusive rights to the chips but they are expected to be available in most U.S. boutiques.
Prices are still unannounced. Last May 28, MobiPicker shared a screenshot showing the CPU's listing on Skroutz. The listing contained basic specifications but the detailed information which includes the price was marked unavailable.
PC World places it on the same league as Intel's new Core i9 lineup. Intel charges $1,000 for a 10-core chip, $1,700 for a 16-core, and $2,000 for an 18-core. There is a possibility that AMD will charge around the same price but then, they may also stick to their normal pricing. If the latter happens, an aggressive price war will surely ensue as AMD has more affordable prices with their Ryzen 8-core processors being sold only at $300.
PC World claims to be the most reliable source for consumers interested in purchasing the AMD Ryzen Threadripper X390/X399. According to the retail chain, all other reports about the processor's specifications may look legitimate but are only speculations. PC World also highlighted that other sources could not even get the CPU name right.
The only specifications that PC World released are the following. The AMD Ryzen Threadripper X390/X399 will come in two versions — a 16-core option with 32 threads using STM and 64 lanes of PCIe, and a 12-core version with 24 thread using SMT. All versions come with quad-channel memory and made with solder thermal interface material. The processor will be released in X399 platform and their motherboards will not be compatible with AMD's Epyc chips.
Things in the CPU market are going to be interesting as Intel and AMD will play an intense core war. However, consumers should not assume that the more cores, the better the performance of a processor is. PC World recommends that the number of cores you need should depend on what you do on your personal computer. For instance, heavy gamers would obviously need a chip with more cores.

One of the greatest WhatsApp features is file sharing. With a few simple steps, you can share documents with your friends. WhatsApp is finally rolling out a feature that allows sending any file type, including archives and media files. [ads-post] The rollout is limited and slow, but if you’re lucky, you might already be able to share your files.
Send Any File Through WhatsApp
Until now, WhatsApp allowed sharing such files as csv, doc, docx, pdf, ppt, pptx, rtf, txt, xls, xlsx and similar. The list of supported files was very limited and didn’t include any media files. Now, the company is reportedly rolling out the enhanced sharing feature to all its users. While this is great news, please note that the maximum size of the share is 128 MB for iOS, 100 MB for Android and 64 MB for a Web client. Those limits are pretty low, but WhatsApp may (or may not) increase them.
WhatsApp is experimenting with this feature only with some users at the moment. If it works for you, you’re fortunate. Otherwise, you can find similar functionality is available in the open-source alternative Telegram.
Let us know if the feature works for you already. This is a server side update, so you don’t have to download the latest beta. You can obtain WhatsApp from the Google Play Store or by visiting the official website.

Satish Kumar

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