Blog

Best Portable Bluetooth Speakers-2024 (Mid-Range)

Music is the heart and soul of every generation people. The trend of listening music is so high that people wants to listen music wherever they move. Seeing the lust of people for music, most of the speaker making companies started making Portable Bluetooth speakers which acts as easiest, most affordable way to spread the sound from our phone or tablet across a room, backyard, or beach blanket. Some of the best Portable Bluetooth Speakers in India are as under(Mid-Range):

Echo Dot (3rd Gen) – New and improved smart speaker with Alexa :

Smart Speaker with 360 Degree Sound
Voice Control Smart Home
Stream millions of songs from Amazon Prime Music, JioSaavn, Gaana, Apple music
Play Songs in different popular languages of India
Alexa is always ready to help in both English & Hindi

JBL Go 2 Portable Waterproof Bluetooth Speaker with Mic:

Wireless Bluetooth Streaming
5 Hours of Playtime under optimum audio settings
IPX7 Waterproof design
Built-in Noise-cancelling Speakerphone
Audio cable input

Education & Banking

RBI Retail Direct Scheme

RBI – Retail Direct Scheme

The Reserve Bank announces the activation of the RBI Retail Direct Scheme with effect from 12^th November 2021. The Scheme was launched in virtual mode by the Hon’ble Prime Minister, Shri Narendra Modi.

A significant milestone in the development of the Government securities (G-sec) market, the Reserve Bank of India-Retail Direct (RBI-RD) Scheme will bring G-secs within easy reach of the common man by simplifying the process of investment. Under the Scheme, retail individual investors will be able to open a Retail Direct Gilt (RDG) Account with the Reserve Bank of India, using an online portal (https://rbiretaildirect.org.in).

What is RBI Retail Direct Scheme?

‘RBI Retail Direct’ is a comprehensive scheme which provides the following facilities to retail investors in government securities market through an online portal (https://rbiretaildirect.org.in):

i) Open and maintain a ‘Retail Direct Gilt Account’ (RDG Account)
ii) Access to primary issuance of Government securities

iii) Access to NDS-OM

Who are eligible for RBI Retail Direct Scheme?

Retail investors, as defined under the scheme, can register under the Scheme and maintain a RDG Account, if they have the following:
i) Rupee savings bank account maintained in India;
ii) Permanent Account Number (PAN) issued by the Income Tax Department;

iii) Any OVD for KYC purpose;

iv) Valid email id; and
v) Registered mobile number.
Non-Resident retail investors eligible to invest in Government Securities under Foreign Exchange Management Act, 1999 are eligible under the scheme.
The RDG account can be opened singly or jointly with another retail investor who meets the eligibility criteria.

Procedure/Process of RBI Retail Direct Scheme?

Registration

Investors can register on the online portal by filling up the online form and use the OTP received on the registered mobile number and email id to authenticate and submit the form.
Instructions issued under RBI-Know Your Customer (KYC) Direction, 2016, updated from time to time, will be adhered to during on boarding the investors. Upon successful registration, ‘Retail Direct Gilt Account’ will be opened and details for accessing the online portal will be conveyed through SMS/e-mail.
RDG Account shall be available for primary market participation as well as secondary market transactions on NDS-OM.

Primary Market Participation

Participation and allotment of securities will be as per the non-competitive scheme for participation in primary auction of government securities and procedural guidelines for SGB issuance.

Only one bid per security is permitted. On submission of the bid, the total amount payable will be displayed.
Payment to the aggregator / receiving office can be made through either of the following ways:

Using the net-banking/UPI facility from the linked bank account, whereby funds will be debited at the time of submission of bids on the portal.
Using the UPI facility, whereby funds in the linked bank account can be blocked at the time of submission of bids on the portal which will be debited from this account on successful allotment in the auction. Similar facility through banks will be made available in due course.
Refund, if any, will be credited to the investor’s bank account as per the timelines specified by the aggregator.

Allotted securities will be issued to the investors by credit to their RDG Account on the day of settlement.

Secondary Market Transaction – NDS – OM

Registered investors can access the secondary market transaction link on the online portal to buy or sell government securities through NDS-OM (odd lot segment/RFQ).

Buy

Payment can be made through either of the following ways:

Before start of trading hours or during the day, the investor should transfer funds to the designated account of CCIL (Clearing corporation of NDS-OM) using net-banking/UPI from the linked bank account. Based on actual transfer/success message, a funding limit (Buying Limit) will be given for placing ‘Buy’ orders. At the end of the trading session, any excess funds lying to the credit of the investor will be refunded.
Using the UPI facility, whereby funds in the linked bank account can be blocked at the time of placing order which will be debited from this account on the day of settlement. Similar facility through banks will be made available in due course.

Securities purchased will be credited to the RDG Account on the day of settlement.

Sell

Securities identified for sale will be blocked at the time of placing order till the settlement of the trade.
Funds from the sale transactions will be credited to the linked bank account on the day of settlement.

Non-Trade transactions – Value Free Transactions (VFT)

Transactions permitted under VFT guidelines issued by RBI on November 16, 2018, as amended from time to time, as applicable to retail investors, will be available under the scheme.
For such purposes, the investors should submit an application on the online portal.

Technology

High Security Registration Plates (HSRP)

Government of India vide their gazette dated 06^th December 2018, passed an order for High Security Registration Plates (HSRP) which shall came into force by 1^st day of April 2019.

What is High Security Registration Plates (HSRP)?

A High Security Registration Plate (HSRP) is an aluminium-made number plate that is fixed onto a vehicle by a minimum of two non-reusable Snap-On locks and has various identifiable features.

What are the features of High Security Registration Plates?

It has aluminium-made number plate that is fixed onto a vehicle by a minimum of two non-reusable Snap-On locks.
To protect against counterfeiting, a chromium-based hologram of the size 20 mm x 20 mm shall be applied by hot stamping on the top left-hand corner of the plate in both front and rear plates. The hologram shall contain CHAKRA in blue colour.
The permanent identification number of minimum 10 digits shall be laser branded into the reflective sheeting on the bottom left-hand side of the registration plate with the letter size being 5 mm
The hot stamping film to be applied on the letters or numerals of the licence number shall bear the inscription “INDIA”.
It also has a third registration plate in the form of a self-destructive type chromium based hologram sticker shall be of the size of 100 mm x 60 mm is to be affixed on the inner side of left hand corner of windshield of the vehicle.
The background colour for the self-destructive type chromium based hologram sticker for the Diesel vehicles shall be Orange and it shall be Light Blue for the Petrol and CNG vehicles. For all other vehicles, the background shall be of grey colour
The unique high security registration plate shall be linked electronically to the vehicle after its affixture on the vehicle on registration.
Retro Reflective Sheet (RRS) is used in HSRP that helps to enhance night-time visibility. HSRP is made using a high-grade RRS that helps in increasing visibility from a distance of over 200 meters.

Software

Top 5 Best Antivirus Software for Computers in India-2021

Today’s world is a world of internet where everybody is busy in doing something on internet. Choosing the best antivirus software for our computer or laptop can be a difficult task, due to all the criteria we have to take into consideration. Antivirus Software is a computer program capable of protecting our computer systems not only against viruses or malwares , but also against hacker attacks and fraud.

Features to consider while choosing antivirus software :

Compatibility with your computer system software
Internet Security Feature
Real Time Protection
Email Security
Parental Control
Privacy Protection
PC Tune up tool

If we can’t decide on a particular brand, below mentioned reviews will help us to figure out which is the best antivirus software for us.

Kaspersky Total Security:

Protection for Multiple Devices and Platform
Privacy Protection
Safer Online Payments
Password Management
Files Photo And Data Protection
Parental Control
Webcam Protection
Firewall Protection

Platform: Windows 10/8.1/8/7/Vista/XP

K7 Total Security:

Malware Protection
Anti-Ransomware
E-mail Security
Vulnerability Scan
USB Vaccination
Smart Firewall
Intrusion Detection and Prevention
Browser Protection
Anti-Spam
Parental Control
Phishing Site Blocker
PC Tune-up Tools
Data Backup & Restore

Platform: Windows 10/8.1/8/7/Vista/XP

Health

Mucormycosis: Black Fungus & Covid-19

In the middle of the fight against the second wave of coronavirus in India, doctors are reporting cases of a rare fungal infection called the “Black Fungus or Mucormycosis,” occurring among people recovering from the Covid-19 disease. As per the doctor’s infection of Black Fungus can be life threatening and has a mortality rate between 46–96 percent depending on severity.

What is Black Fungus: Mucormycosis?

Black Fungus or Mucormycosis is a very rare fungal infection caused by a class of molds called mucormycetes. These fungi are ubiquitous and are commonly found in soil, plants, manure, and decaying fruits and vegetables.

Humans get the infection by inhaling the fungal spores floating around in the air and in dust. It affects the sinuses, the brain and the lungs and can be life-threatening in diabetic or severely immunocompromised individuals, such as cancer patients or people with HIV/AIDS.

Cause of Black Fungus or Mucormycosis in Covid-19 Patients:

People with compromised immune systems may easily fall victim to Mucormycosis, for example, those with blood cancer undergoing chemotherapy or bone-marrow transplant patients.

Health

Coronavirus Disease (COVID-19): Symptoms & Precautions

Coronavirus disease (COVID-19) is an infectious disease caused by a newly discovered coronavirus. It is defined as illness caused by a novel coronavirus now called severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2). It started in Wuhan, China in late 2019 and has since spread across the world. Like, SARS, the novel coronavirus is a zoonotic disease which begins in animals and then transmitted from animals to people.

What Does Covid-19 Stands for?

The coronavirus disease of 2019 was given the abbreviated name of COVID-19 by the WHO in a press release on February 11, 2020. Full form or abbreviation of Covid-19 is CO’ stands for corona, ‘VI‘ for virus, ‘D’ for disease and ‘19’ for 2019

How does coronavirus (COVID-19) spread?

The experts believe that the virus responsible for Covid-19 spread is a respiratory virus which spreads primarily through persons to persons.

Indirect Transmission: This usually happens when an infected person coughs or sneezes near other persons. The droplets generated by coughs or sneezes of the infected person may infect another person.

Direct Transmission: It may also be possible to get sick if you touch a surface that has the virus on it and then touch your mouth, nose, or eyes.