Modi’s magic in Davos?

Prime Minister Narendra Modi, the first Indian Prime Minister to address the World Economic Forum (WEF) annual summit in Davos in two decades, in his hour-long speech at the event tried to showcase his government’s economic track record. Domestically hailed as a big occasion speaker capable of sparking a response in his audience by dazzling them with the audacity of his vision, PM Modi was confronted with a tougher task at Davos, to find common cause on vital issues, and he picked up three issues on which most world leaders share identical views — globalization vs. protectionism, terrorism and climate change. Some experts opine that Modi was expected to have a big act to follow when he took the stage at Davos, but little of that was on display along with split reactions.

H2018012338255Claims at Davos
Perhaps enthused by encouraging predictions by the World Bank and IMF that India’s economy would be the fastest-growing major one in ensuing years, Modi said India was poised to become a USD five-trillion economy by 2025. He also tried to showcase his government’s economic track record, emphasizing the “inclusiveness” apparently achieved during his term.

In his defence of globalization, Modi lamented that forces of protectionism were raising their heads against globalization and their intention was to change ‘the natural flow of globalization’. Modi’s stand found support from China which declared that it would like to work with India to strengthen globalization for the benefit of all countries.

Another key issue that PM Modi sought to highlight at Davos was that of terrorism when he said: “As dangerous as terrorism is, the artificial distinction being made between good terrorist and bad terrorist is more dangerous”. Some critics opine that this assertion perhaps was pointed at Pakistan’s dilly-dallying with sections of the Taliban and Kashmir-focused militant groups.

Modi’s allusion to climate change as another major vexing issue coincides with the fact that India has played a significant role under the Modi regime in sealing the Paris Agreement on Climate Change (PACC).

While speaking of India’s diversity, of how democracy was its strength, of how it sought consensus and unity in politics at home and abroad, PM Modi quoted poet Rabindranath Tagore, saying he had written of “a heaven of
freedom where the world is not divided by narrow walls” and called for turning that into reality, stating that “India
will always be a unifying and harmonizing force”.

Relevance of Claims

In the wake of PM Modi’s strong pitch for India as the most suitable destination for investment at Davos veering around five major claims — vibrant and inclusive economy, support for globalization and opposition to protectionism, resistance to terrorism, steadfast commitment to the objectives of PACC and a unifying and harmonious India — irrespective of split reactions to these claims, have spurred many dispassionate critics to evaluate the relevance of these claims at the domestic pitch.

PM Modi’s flaunting of his economic reforms abroad belies the strong undercurrent of discomfort at home, because both demonetization and GST implementation have been disruptive to say the least, and the promised benefits of both are yet to show up. Drawing attention to the fact that domestic players have cut back on investments as a lack of demand has rendered existing excess capacity useless, the RBI survey for the quarter ending September 2017 reveals that domestic industry is currently operating at only 70 per cent capacity in the wake of tepid demand, a monumental pile of bad loans, and shy investors as well as abysmal credit growth of the banks.

In the absence of credible data, the jury is still out on the amount of jobs or employment opportunities created and most of them agree that it is nowhere close to optimal. It is further pointed out that due to dearth of secure livelihoods from farms to factories, the mere opening of bank accounts for the poor has done little for financial inclusion.

While strongly criticizing protectionism at Davos, Modi government is pursuing a protectionist agenda at home, which is at odds with the mantra of globalization. Recent moves by the government to restrict imports into India are part of a broad industrial policy meant to force foreign companies to increase manufacturing operations in the country. Attention is also drawn to recent imposition of stiff tariffs by the government on imports of cellphones, video cameras and televisions.

In this regard, Mark Wu, a former trade negotiator for the USA, has said: “While the prime minister articulated all the right messages on globalization at Davos, his government remains firmly committed to a strategy of leveraging its market size to drive industrial policies to spur greater high-tech manufacturing in India. This is bound to cause greater trade frictions ahead.”

Growing income inequality in India is also a matter of serious concern that casts aspersions on India’s growth story. Recently released reports like World Inequality Report and annual Oxfam study report say that the richest 1 per cent of Indians got around 73 per cent of the total wealth generated in the country in 2017. Besides, WEF’s Inclusive Development Index for 2018 has ranked India at 62 among developing countries, behind even Pakistan.

As a sequel to these reports, some observers contest the government’s claim of inclusive growth by asserting that undoubtedly, India’s economy may be rebounding — slightly and hesitantly — after a self-inflicted slowdown; nevertheless, Modi’s government is obviously still under-confident, still conscious of the need to push its growth story on the world.

The government’s claim on climate change is also contested by some experts who point out that steps to promote renewable energy at home have been let down by lack of planning or coordinated effort within the government. While citing the example of lack of regulations for wind power having hamstrung the sector and squeezing of India’s red-hot solar power industry by a narrowing pipeline of auctions, experts have pointed out that the government’s latest move to stall the import of cheap solar modules from China and elsewhere won’t do the renewables industry any favours either.

According to a recently released report compiled by Yale’s Centre for Environmental Law and Policy, India’s ranking on pollution and ecosystem protection has fallen to 177 out of 180, down from 156 two years ago.

India’s claim of resistance to terrorism is conceded by many experts primarily because of alertness of our Armed Forces at the international borders and intelligence agencies domestically; however, what they bemoan is fractured Indian society, which is no stranger to religious or caste-based strife. Indulgence in violence and toxic rhetoric against minorities and Dalits, especially during elections to garner political and electoral dividends, being a recurring phenomenon, belies PM Modi’s motto of sabka saath sabka vikas.

Thus, much of his speech was a public-relations blitz that many in the audience had heard before. Davos didn’t want India to sell itself to the world; it needed India to lead. Claims made at Davos would sound hollow, if not addressed domestically.

letters@tehelka.com

Mela Phulkari celebrates culture of Punjab

Mela Phulkari is back with its fifth edition which is centred around Panj Pyaras. The annual event that celebrates art, folk roots and music commenced from February 10 at the India Habitat Centre, New Delhi.

0U9A1846 (1)Curated by Alka Pande and organised by Delhi-based Phulkari revivalists Harinder Singh and Kirandeep Kaur, Mela Phulkari is a movement that celebrates and unifies the art, craft and culture of Punjab in its true essence and spirit.

Filmmaker Imtiaz Ali, Australian and French high commissioner, Montek Singh Ahluwalia, singer Rabbi Shergill, legendary folk singer Gurmeet Bawa, Lachi and Glory, artist Arpana Caur attended the event.

The other highlights of the show were the ‘Sardars of Sangrur’ and a folk artiste group that played 21 traditional Punjabi instruments.

“For the fifth edition, I thought it would be most apt to play with the symbology of Number 5. Five has multiple meanings, connotations and references beginning with the name of the state itself, Punjab, the land of five; panj pyaras — the five loved ones; panchranga — five colours; panchtattvas — the five elements,” Alka Pande points out.
The show will be on at the Open Palm Gallery, IHC till February 19.

It is still a big deal to fall in love in India!

When Chhavi (name changed) came to the capital for the first time in 2005, to study in a Delhi University college, there were some unspoken rules that her family back home in Saharanpur expected her to abide by. Though
nobody in her joint family had spoken to her on the subject, she was well aware that she was, under all circumstances, not supposed to fall in love with anyone. She knew very well that she had been sent to the city to get a good education and that she might be allowed to work too for a few years. It was just a matter of time that her parents would arrange her marriage in her early twenties to a young man of their choice.

And that is, somewhat, how things went by. “I was a few months shy of eighteen when I joined Daulat Ram College. I was allowed to apply for admission only in girls colleges as my family was wary of me being influenced by co-education. They didn’t even let me stay in a paying guest accommodation fearing that I would get out of their control. So I stayed for three years of my graduation in the college hostel that was very strict about timings. We were not allowed to step out after 8 PM. The warden dint even let us keep mobile phones, can you imagine?” said Chhavi, who is now 30 and mother of a three-year-old.

It wasn’t that Chhavi dint fall in love. She did, and very much in love indeed. “During the first year of my college, I was quite shy and stayed away from boys. But by the end of second year, I had a boyfriend. He was a classmate’s school friend.” After graduation, Chhavi enrolled in a year-long post-graduate diploma course in advertising and public relations at a polytechnic and thereafter got a job in Delhi itself. “By that time my boyfriend and I had fallen in love and wanted to get married in the near future once our careers were stable. But my family was trying to arrange my marriage and I got goosebumps every time I felt the need to tell them about my relationship. I was afraid they would never agree,” she said.

Chhavi consulted an elder cousin sister who suggested that she tell her parents and see how they reacted. “So I told my mother, who was very upset with me and made me feel guilty for betraying her trust. She was dead against my relationship and accelerated all efforts to find a suitable boy for me. Thankfully, she dint have the courage to tell my
father fearing that he would be very hurt. So I continued to live in Delhi. What worked in my favour was that my parents couldn’t find a suitable match for me even when I turned 26, which was considered to be quite past my marriageable age. They were getting restless. Finally, my father got to know of my boyfriend and they agreed to get us married.”

As an afterthought, she added, “Both of us belonged to the same kayastha caste, so it made things easy. My family was happy about that. I don’t think they would’ve let me marry him had he been from a different caste. Also, my parents told most of our relatives that the marriage was arranged by one of our distant relatives. They were embarrassed to tell people that their daughter was having a love marriage, even though it was in the same caste.”
Chhavi’s story might sound a bit absurd to some, but her circumstances are definitely understandable for a large number of young men and women in our country where love and marriage are contentious issues even in the twenty-first century. Since time immemorial, India has been obsessed with marriages that have been the centrepiece of our society. Across states and cultures, parents and relatives constantly have the marriages of the families’ youngsters on their minds. And marriages in the country are carefully curated, taking into consideration not only the bride and the groom but also their families and communities.

Love Marriage vs Arranged Marriage

There was a time when only ‘arranged marriages’ were the norm and ‘love marriages’ were frowned upon. People who were to be bound by marriage and expected to spend their entire lives together saw each other just once or twice before the wedding day, and they would not know much about each other. In the twenty-first century, arranged marriage has gone through superficial changes in urban settings even as, in various social set ups, it continues to be the same old ritual of getting two strangers married. However, even though love marriages have become more common and acceptable, archaic rules concerning love and marriages — especially of caste and religion (apart from class) — still rule the roost. Despite the progress on the fronts of education, technology and the economy, India as a collective society continues to be conservative when it comes to culture and social norms.

Talking about ‘love’ marriage, according to Dr Aardra Surendran, Sociologist and Assistant Professor at the Tata Institute of Social Sciences (TISS), Mumbai, “The entry of personal choice has been recent in the history of marriage as a social institution across cultures, and particularly so in India. It has been governed by the existence of caste and kinship structures. These norms may vary across regions and social groups across the country, but norms exist, and marriage outside of these norms is frowned upon even today in almost all regions.”

Dr Surendran also says that the mingling of men and women from the perspective of attraction or love is seen as undesirable across cultures in India. “We may observe some superficial change in urban settings, owing to the increased presence of women in the public sphere, be it educational or work place locations, but the element of choice even in these settings is accepted only if carefully calibrated along religious, caste and class lines. Love has rarely been the operative element in deciding who to marry, and choice, particularly of the woman, has rarely existed in socially prescribed settings,” she told Tehelka in an interview conducted via email.

It is true that the mingling of young men and women is considered taboo and discouraged in most parts of the country. Recently, a local Haryana newspaper uploaded a video on its Facebook page, that went viral, speaking volumes about prevalent attitudes in the country against friendships between men and women. In the video, a person identifying himself as a lawyer practicing in the Delhi high court intervened when security persons and policemen in a public park asked a young man and woman, both adults, to give their parents’ contact numbers so that they could be made aware of what their children were upto. The lawyer could be heard making the cops aware that it wasn’t a crime for two adults to walk together in a park.

In Uttar Pradesh, the ‘anti-romeo squads’ that were set up in 2017 by the Yogi Adityanath-government to protect women from being harassed saw self-styled vigilantes or ‘moral police’ often objecting to men and women hanging out in public places out of choice. Several men were put behind bars and no one knows if they had harassed women of were simply present at public spaces with their female friends or girlfriends.

Ten youths — four boys and six girls — hailing from towns and small cities in different parts of the country, that this correspondent spoke to, all said that the mingling of adolescent and teenaged boys and girls is usually disapproved of by teachers, school administrations, parents and people in general who encourage youngsters to make friends of the same gender only. All of them also said that though caste and religion shouldn’t matter, they are significant factors today even when it comes to ‘love marriage’.

Dr Surendran further said that it might be premature to judge that choice-based marriages are easier in the urban areas. “While more instances of choice based marriages are observed in urban areas, the general proscription against choice, especially if it implies a marriage outside community or caste backgrounds, exists even in urban areas,” she said.

Caste and Religion Still Matter

Recently, 23-year-old Ankit Saxena was stabbed to death by the father of his girlfriend who was from another religious faith. The fact that this incident took place in the national capital speaks volumes about the state of affairs in the rest of the country. Marriages in our country have always been arranged keeping in mind strict caste considerations.

Dr Surendran points out that “falling in love is often seen as a transgression of carefully guarded caste and community lines. Contemporary instances of violent repercussions to choice based marriages are cases in point, as they are seen as challenges to social order.”

This is certainly evident from the hounding of couples, who cross the limitations of caste and religion, by khap panchayats in a few north Indian states and right-wing groups across the country. Every now and then there are cases of diktats issued against young men and women who dare to choose love over the shallow honour of their communities. There have been multiple reported cases of honour killings by families who believed that their children brought them unacceptable shame by marrying someone from another caste out of their own personal choice. Across India, caste considerations in marriage and friendships have always been significant. Chhavi’s case is just one among a large number of relationships when castes of the man and the woman play a crucial role in their marriage, often becoming an obstacle in the couple’s relationship.

The Supreme Court had in January reprimanded khap or community panchayats for passing their own illegal communal orders against inter-caste marriages of adults. “What we are concerned about is that when an adult girl or boy gets into marriage, no khap, no individual or no society can question them. Whenever there is any kind of collective attack on a boy or a girl, who are adults, it is absolutely illegal,” the apex court had said.

The Love Jihad Fiasco

The going gets tougher for couples when it comes to inter-faith marriages. There is ongoing propaganda against inter-religious marriages, especially when the woman is Hindu and the man a Muslim or a Christian. Cries of ‘love jihad’ have been doing the rounds in every case where a Muslim has married a Hindu. Let us assume, for the sake of being open to dissenting opinion, that there could be the possibility of a secret campaign to convert vulnerable Hindu women to Islam or Christianity. However, even then, there are several instances of women, and men,
being happily married to partners from other religions without changing their faiths.

College sweethearts Kritika Mathur and Sharif Qamar got married in 2015 under the Special Marriage Act, 1954, that allows inter-faith court marriage without either spouse having to change his or her religion.

pic cover“My parents were not too happy about our relationship but they weren’t against it either because they knew that my happiness depended on it. However, Kritika’s mother was quite vocally against our plan to get married,” Qamar, currently working with The Energy and Resources Institute (TERI), told Tehelka. After the couple convinced both families to accept their union, they decided to get married in court and then throw a reception, rather than perform any religious wedding ceremonies.

“From the very beginning, no body in my husband’s family expected me to change my religion. In fact, they were as accepting of me as they would be of a girl from their own religion,” said Mathur, who teaches Finance and Economics at Ambedkar University in New Delhi. “We now have a little daughter who we have named Ayesha, which is both a Hindu and a Muslim name. Both of us follow our religions as we desire — I have a small temple in our house and read the Gita daily; he tries to go for Friday prayers whenever he can. My parents are more than happy now,” she added.

When asked if religion plays an important role in marriage, NRI Dr Arfana Ahmed Kishan told Tehelka that religion is personal to every individual and marriage is about accepting differences beautifully. She was born and raised a Muslim in Hyderabad and had left home over 25 years ago, at the age of 23, to get married to a Hindu man of her choice. “My parents were dead against our relationship. After we got married, even his parents didn’t accept me as I wasn’t a Hindu. Our marriage dint work and we ultimately got separated and divorced after having two children but that dint really have anything to do with the fact that our faiths were different,” said Dr Ahmed Kishan, who is a medical practitioner based in North Carolina, USA. She continues to use her husband’s name as surname because it is mentioned in her Indian passport and she doesn’t want to complicate things.

The popular case of Hadiya, a young adult who converted to Islam and then married a Muslim man, is an interesting case study of the ongoing campaign alleging ‘love jihad’. The Kerala high court as well as the Supreme Court had both cast aspersions on the adult woman’s decision to convert and marry. There was also a National Investigation Agency (NIA) probe to find out if she was coaxed into converting to Islam for marriage. Finally, the apex court recently realised that Hadiya, being an adult, had the individual autonomy to take important life decisions herself.

Women Bear the Brunt

Another glaring fact about love and marriages in our country is that women are certainly more suppressed than men. Thanks to our patriarchal and feudal mindsets, women are considered to be the beholders of their families’ honour, like property, rather than personal entities with their own desires and rights. Today, in both urban and rural set ups, women’s lives are scrutinised and their characters questioned especially when it comes to being around members of the opposite sex and choosing their own life partners.

Agreeing that perceptions in India against falling in love are stricter for women than for men, Dr Surendran pointed out, “Historians and anthropologists have explained the control of female sexuality as the key element in the development of prescribed norms on marriage. Female sexuality is seen as the locus of family honour, and providing the woman the agency to choose her partner is seen as destabilizing this carefully maintained normative order, which is also pivotal in maintaining other hierarchies.”

She added that violent “repercussion is much higher if love or marriage is between a woman who belongs to a ‘higher’ caste or ‘majority’ community and a man who belongs to a lower caste or minority community. This in turn is because it is assumed that marriage implies a subsumption of the woman’s identity into the man’s family, and hence the dilution of purity or superiority of dominant identities or groups.”

Even as more and more youngsters are having pre-marital sex today, norms pertaining to women’s sexual choices and virginity continue to be primitive.

Recently, three men were thrashed by a caste panchayat in Pune for starting a campaign to stop an archaic practice of conducting ‘virginity tests’ on brides on the first night after marriage. According to news reports, as per the practice, a newly-wed couple is handed a white sheet on their wedding night to use during sexual intercourse. The next day, the caste panchayat along with others from the community ask the groom: “Was the bride ‘fine’?” To indicate that the bride was a virgin, he is required to say thrice: “maal khara (good product).” If not, then the bride is questioned about who she lost her virginity to and then the both are asked to pay a ‘penalty’ — mostly monetary, varying from woman to woman.

3rd cover-2018-final1Slow but Constant Change

Author Ira Trivedi, in her book India in Love — Marriage and Sexuality in the 21st Century (Aleph) points out that India is going through a ‘love revolution’.

“By spending so much time in different parts of India, with so many different kinds of people, I discovered a fundamental change that India was going through,” she writes in the book that was first published in 2014. “The love revolution will lead to the breakdown of the traditional arranged marriage. This is significant because it also means the breakdown of the joint family, of caste and community identity, and as divorce rates skyrocket, perhaps also of marriage itself. This switch from arranged to love marriage will be a slow, gradual one, but it is happening nonetheless, particular in urban India. The India of ten years ago was substantially different from the India of today, and the India a decade from now will continue on the path that we have paved.”

After travelling to dozens of towns and cities across the country, she also writes that there is also a ‘sexual revolution’ going on simultaneously with the ‘love revolution’. “We are on our way — however slowly and treacherously — to greater sexual openness, tolerance and freedom… there is an eternal war between social conservative prudes and a new generation of Western-influenced young people… India has a strongly set culture of family and kinship, and it’s impossible to remove it all in one, two or three generations. Society is changing and a lot of our old ideals are being questioned. An important point that I discovered for both revolutions is that they were happening at different speeds in different ways across the country,” Trivedi writes.

It is indeed true that family ties are intrinsic parts of the lives of Indians. A lot of youngsters are either influenced by their parents or do not want to be insensitive to them when it comes to taking important life decisions. As a consequence of better education, technology and globalisation, a large part of today’s youth thinks differently from their parents, which can be called a wide generation gap. But deep-rooted family ties and cultural values also make them think like their parents on many issues. There is a never-ending battle between deep-rooted farcical traditions and contemporary pragmatism, which leads many youngsters into confusion about significant decisions especially when it comes to falling in love and getting married.

However, many are courageous enough to let go off the preposterous rules of societies and choose the path of rationality that believes only in following love and not societal distinctions. And for those who do not have the strength to break free from the shackles of conservatism and unreasonable traditions it is hoped that, as the years go by, better sense shall prevail.

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A Truly Secular Family

“Love looks not with the eyes, but with the mind, And therefore is winged Cupid painted blind.”

— Shakespeare, A Midsummer Night’s Dream

In these daunting times when inter-faith marriages are often blown out of proportion for their distinctness from societal norms, Tehelka came across a special family in which every person is married to someone from another faith — the father is Sikh, mother is Muslim, son is married to a Hindu and daughter to a Christian.

pic 2Surjit Singh and Aashma Saddulah (now Aashma Singh) first met in 1974 in Dibrugarh, Assam, at a badminton training camp organised by the Sports Authority of India (SAI). Surjit, who was 30-years-old, was 16-year-old Aashma’s badminton coach. They soon fell in love and got married two years later under the Special Marriage Act, 1954.

“His parents were aware of our courtship but I was too young and my father too strict, so I kept our relationship a secret from my family till we got married in court. Even after they got to know, there was no opposition and no filmi drama,” Aashma Singh told this correspondent while showing sepia-tinted black-and-white photographs of the handsome couple in their youth.

It has been over four decades since they tied the knot and continue to be in a blissful marriage. In fact they have created a record of sorts as the spouses of both their children follow different faiths, neither of them being Sikh or Muslim. Their son Tanvir Gill, a businessman, is married to a Hindu — national-level badminton player Mohita Sahdev, while daughter Karishma is married to Leon Quyn, a Christian from Sri Lanka.

“We never made any effort to impart any specific religious teachings to our children. We let them believe in whichever faith they wanted to. From a young age, our son was influenced by Hinduism and went to temples. Our daughter chose to convert to Christianity, though it wasn’t a compulsion, when she was getting married and we let her go ahead,” Surjit Singh said.

Asked if they believe religion plays a significant role in a marriage, he quipped, “What is the guarantee that in a same-religion marriage the couple will be happy?”

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letters@tehelka.com

Evolution fiasco: Raising doubts over Darwin’s theory

Thousands of scientists in India have signed an online petition protesting against the foot in mouth comments by the Union Minister of State for Human Resource Development who recently publicly questioned the scientific validity of Charles Darwin’s theory of evolution and called for changes in educational curricula. He had observed that Darwin’s theory of evolution of humans “is scientifically wrong” adding that “nobody, including our ancestors, in written or oral, have said they saw an ape turning into a man”. It is an outrageous statement that can’t be ignored because couple of days later, the minister proposed holding an international seminar on the subject suggesting that Darwin’s “Origin of Species” needs to be changed in curriculum of schools and colleges.

The minister’s remarks have come at a time when India is already battling a rising tide of pseudoscience by some politicians. Some time back an astrology workshop that was planned at the prestigious Indian Institute of Science in Bangalore was cancelled after an uproar.

Satyapal_SinghThe comments provoked an outrage from the scientific community which has launched an online petition asking the minister to retract his claims. The petition has collected more than 3,000 signatures from eminent scientists. Top scientific institutions issued a joint statement, condemning the minister’s egregious observations. Though the Human Resource and Development Minister Prakash Javadekar has now asked his junior to desist from making comments on such issues and has clarified that there was no plan to organise any national seminar to prove Darwin wrong, the damage has already been done. It is a scientifically established fact that the tremendous work and insights of Charles Darwin, who propounded the theory of evolution, laid the groundwork for the now universally accepted scientific doctrine. It is also true that for centuries, man believed that the earth was flat, until knowledge developed individually through various scholars in different societies, who deduced that it was spherical. There is not much doubt about the shape of the earth now. It is unfortunate that there is a growing tendency among politicians who assume a position of power to make sweeping statements that often strain the credibility of scientific fact among audiences with the hidden motto of showing that they are erudite, polymaths though in reality they might be phantasmagorical. Those in authority should imbibe before opening their mouths on a subject that is alien for them, what noted Philosopher and Author Thomas Carlyle said: “Speech is great, but silence is greater”.

Five Common Myths About Credit Cards

Five Common Myths About Credit CardsCredit cards are important tools of money management. When used with caution, they can help you reduce your financial burden and get better value for your spending. Although Singaporeans love to use plastic money, many still prefer debit cards over credit cards due to some common myths associated with usage of the former.
Staying away from credit cards altogether is not recommended because if you don’t have a credit history, many lenders might see you as a high-risk customer. CBS and other credit rating agencies also encourage Singaporeans to use cards judiciously because it helps improve the credit score, an important consideration for lenders.
Some of the important factors that affect your credit score are:

Credit-utilisation ratio
Number of accounts operational
Length of each credit
Payment history
Frequency at which new accounts are opened

Knowing these factors will help you understand why the following beliefs are misplaced.
Debunking Credit Card Myths That Hurt You
The following five myths are the most popular that require a close look. Check out the myths and the reasons disproving them:
Having multiple cards can hurt your credit score: This is one of the most common credit card myths floating around Singapore. You can use multiple cards to improve your utilisation ratio. A key to this strategy is to have your credit accounts operational even after you have paid off the debt and stopped using the cards. Credit-utilisation ratio is the amount of credit you have used to the total credit available to you. The more cards you have, the higher will be the value of the denominator in the ratio. Provided you keep your expenditure in control, your ratio would stay low. Some also feel that increasing the credit limit on your card is used as a strategy by issuers to lure you. A responsible user would benefit from it because the ratio would again be lower. Just go ahead and apply for a second card if you haven’t already, provided you have a reasonably good credit score. Just remember not to utilise more than 30% of the credit per cycle on individual cards and credit available to you in whole.
Having a credit card would increase your spending: This depends on you. If you can keep a firm grip on your spending habits, a card will help you get better returns on your spending. Try to pay off the full debt on time every month. This would mean that you’re not paying interest on your card. Moreover, you can continue to earn attractive rewards and benefits on every purchase. Responsible use of your card will actually help you increase your savings.

Interest rates are set in stone
: If you have a good payment history, many lenders can make exceptions for you. You will get waivers for longer periods, higher credit limit, and even marked-down interest rates. If you have been a loyal customer for some time, you can even approach the bank to reduce your interest rate, lower or waive off the annual fee on your card or demand more rewards. More often than not, at least some of your demands will be fulfilled.
Maintaining a balance on your card isn’t damaging as long as you’re making the minimum payment: The concept of minimum payment can sometimes be confusing. By making the minimum payment mentioned on your monthly bill, you can simply ensure that you’re not charged a late fee and any interest associated with it. Due to compounding, however, if you’re not paying off the total dues within the interest-free period, the balance remaining on your card will attract interest and show up on the next bill. Hence, you should try to pay up the outstanding balance on your cards without fail. Failing to do so is not good for your credit score either.
Air miles cards are only for the high-income group: If you think that you need to earn S$120,000 or more every year to be eligible for air miles cards in Singapore, you’re mistaken. The truth is that many air miles cards are available for users with an annual income between S$30,000 and S$120,000, especially when they have a good credit history.
Good things can happen with well-judged use of cards. Let it into your life without any more ado. A word of caution, though. Don’t apply for new cards or increase your use of credit if you’re trying to get rid of a huge debt or if you’re going to apply for a major loan like mortgage.
 

Drinking pure water: a natural way to detoxify your body

Drinking pure water is a natural way to eliminate body toxins. Pure water is the best form of medicine Feeling a bit under the weather of late? Or feeling lethargic and drained of energy to tackle even mundane daily tasks? The reason could be “Toxin accumulation” in your body.
Toxins? What are they?
Toxins get accumulated in your body over time. Usually, they are disposed from your body by the digestive organs and other organs like the liver and kidneys. However, with improper diets and hectic lifestyles, your body fails to flush out the toxins entirely from your system.
Some symptoms of high body toxicity include:

  • Digestive problems (constipation, loose bowels, irritable bowel syndrome)
  • Fatigue or chronic tiredness
  • Thyroid issues
  • Skin issues like acne, rashes
  • Depression, anxiety
  • Frequent headaches, migraines
  • Sugar imbalance which leads to diabetes

The solution? It’s Time for a Detox.
When toxins aren’t flushed out from your system, they lead to several health problems. The simple solution is to go in for detox. In a Detox, you take special measures to eliminate the toxins from your body.
Role of Water in a Detox
Water is the best and often simplest way to detox your body. With proper hydration, you not only improve digestion but also ensure the right movement of lymph in your system, making sure that all toxins are flushed out.
Coming to the big question,
What to Drink to Detox your Body?
The answer is quite simple – just drink purified water free of all contaminants and pollutants. Have access only to contaminated tap water? Worry not! Make sure you consider the innovative features of different RO water purifiers before you pick the best model that suits your budget and requirements.
Pure Water – The Miracle Cure to Detoxify your Body

  • Water is a natural lubricant and helps in clearing your bowels by softening stools. When your body is dehydrated, your colon gets dry which in turn leads to constipation.
  • The efficient functioning of your kidneys depend on your water intake. Kidneys filter your blood and send waste fluid to your bladder, which is eliminated as urine. Keep your kidneys healthy by drinking pure water.
  • Water is essential to flush out toxins and to carry nutrients to all vital organs.

The key to successful detoxification depends on the quality of your water. So make sure you choose the right water purifier todetox your system with pure water.
img0004Tips to Detox your Body with Water
#1: Begin your day with a large glass of warm water
Every morning, as soon as you wake up, drink a large glass of warm water to kick-start your digestion and enhance metabolism. You can squeeze half a lemon or add a tablespoon of honey to your water for added benefits.
#2: Drink at least eight glasses of water
Throughout the detox program aim to drink at least eight glasses of water daily. Don’t gulp down water at a time; instead, try to keep on sipping throughout the day.
#3: Avoid Plastic Tumblers
When drinking water, avoid using plastic bottles as they contain carcinogenic chemicals. Instead, sip water from glass, bronze or silver tumblers.
#4: Sip on warm water
Always make it a habit of drinking water at room temperature or slightly warm, instead of chilled. This is because warm water promotes circulation while chilled water slows down the functioning of various organs.
#5: Avoid water during meals
This is because when you drink water during meals, it hampers the secretion of digestive juices. Make sure to drink water around 20 minutes before your meals.
Pure Water – The Key to a Happy & Healthy Life
Check out the current water purifier prices in the market and install the best water purifier and get access to pure water 24 X 7. Start a water detox today and pave the way to a happy and healthy life.
 
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Andhra’s Chandra Babu richest among 25 crorepati CMs

As many as 25 chief ministers, or 81 per cent, are crorepatis, with two of them having assets to the tune of over Rs 100 crore, a latest report has pointed out. The average assets of CMs are worth Rs 16.18 crore, it said.
The report was based on the analysis of the self-sworn affidavits of current chief ministers (CMs) in state assemblies and UTs across the nation by the Association for Democratic Reforms (ADR) and National Election Watch (NEW).
As per the report, Andhra Pradesh’s Chandra Babu Naidu has emerged as the wealthiest CM with declared assets worth over Rs 177 crore, followed by Arunanchal Pradesh’s Pema Khandu (over Rs 129 crore) and Capt Amarinder Singh of Punjab (over Rs 48 crore).
The CM with the lowest declared asset is Tripura’s Manik Sarkar with assets worth Rs 27 lakh, followed by West Bengal’s Mamata Banerjee (over Rs 30 lakh) and Jammu and Kashmir’s Mehbooba Mufti (Rs 56 lakh), news agencies quoted the report as pointing out.
In terms of educational qualification, 10 per cent of 31 chief ministers are 12th pass, 39 per cent graduate, 32 per cent graduate professional, 16 per cent post- graduate and 3 per cent doctorate. PTI
In the country, around 35 per cent chief ministers have criminal cases against them and 81 per cent of the total are crorepatis, the report highlighted.
“Out of the all 31 CMs, 11 (35 per cent) have declared criminal cases against themselves,” the Association for Democratic Reforms (ADR) report noted.
A total of 26 per cent CMs have declared serious criminal cases, including related to murder, attempt to murder, cheating and dishonestly inducing delivery of property, criminal intimidation, among others.

Fire breaks out at shoe factory in Delhi’s Narela, no causalities reported

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 A fire broke out at a shoe factory in Delhi’s Narela Industrial Area on February 12. No casualties have been reported so far.
“No casualties have been reported so far. The fire tenders are dousing the blaze and the situation is under control,” a fire official was reportedly quoted.
According to reports, the blaze broke out on the ground floor of the factory and spread to out within minutes.
More details are awaited.

CRPF jawan killed in gunfight in Srinagar

crpf (1)A CRPF constable was killed in an ongoing gunfight between security forces and terrorists in Karanagar area of Srinagar on February 12 who had come to attack a CRPF base camp. Their mission to attack the camp was foiled after a jawan raised the alarm by open fire at them after two terrorists were spotted.

Confirming the news, CRPF’s PRO Rajesh Yadav said that constable Mujahid Khan of 49 Bn succumbed to his injuries in the gunfight that took place in the wee hours after the two terrorists were spotted by a personal.

“At around 4:30 am, a constable of 23 battalion stationed at Karanagar spotted two terrorists who were approaching a CRPF base camp with bags and AK47 rifles but were successfully thwarted from carrying out an attack.”

“After challenging the suspects, they flee into a nearby building behind National School to hide,” said Yadav.

Security forces are currently undergoing a gunfire with the militants in Srinagar’s Karan Nagar area.

Earlier, two days ago, terrorists had stormed into the Sunjuwan Army camp in Jammu, killing five security personnel and one civilian.

‘India’s relations with Gulf nations more than that of buyer and seller’

India’s relations with the UAE was much more than that of a buyer and a seller, said Prime Minister Narendra Modi while addressing the members of the Indian community at the Dubai Opera House.
Modi, who was on two-day visit to the UAE, hailed the New Delhi’s strengthening relations with the Gulf countries as “deep, broad and vibrant.”
The Indian prime minister said his government was trying to bring India to a global benchmark. “Today, be it the UAE or other Gulf nations, our relation with them is not just that of a buyer and a seller. It has become much more,” Modi reportedly said.
While assuring the Indian community that his government will work to bring to reality their dreams, Modi said, “India’s leap in World Bank’s Ease of Doing Business Rankings from 142 to 100 is unprecedented. But we are not satisfied at this, we want to do better. We will do whatever it takes to make it possible.”
Modi hailed his government’s bold decisions like demonetisation and implementation of Goods and Services Tax (GST). “GST had been languishing for seven years, but now it is a reality,” PTI quoted him as saying in his nearly 20-minute speech.
Taking a dig at his detractors, Modi said even the poor people agree with the fact that demonetisation was a right move. But some people lost their sleep and they are still mourning, he added.
Modi thanked the UAE which provided almost 30 lakh people from India a home like environment, away from home.

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