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Sunday 31 October 2021

Prapta rja ni ganatri babat paripatra



 In understanding the difference between domestic and offshore mutual funds, it is important to know what these funds are. It is true that there are a number of different mutual funds that are available to investors, but the basic construction of a mutual fund is that it is created by a firm that takes the money of many investors and invests that money into stocks, short-term money markets, bonds, and other types of securities. It is then that the manager of the portfolio manages that money by investing and trading the underlying securities of that fund. What happens is that capital gains or losses are realized and those gains and losses are then passed to each individual investor.


The United States and Canada have mutual funds that operate in a similar manner. These funds are open-end funds, closed-end funds, and unit investment trusts. Those investing in offshore mutual funds may find that the term is used more broadly. It is used to refer to any type of collective investment. The names that the investor may see these referred by include open-ended investment companies, unit trusts, undertakings for collective investments in transferable securities, and unitized insurance funds. That may seem like a lot to swallow, but many investors find that their offshore mutual fund investment opportunities are not as restricted because there are more types of mutual funds to invest in.


The offshore mutual fund


There are tax advantages to the offshore mutual fund that individuals will not find with their domestic mutual funds. Unless one of the rare loopholes is found, United States residents will still be fully taxed on their offshore mutual fund. This is usually referred to as "foreign arising income" on IRS tax forms. Nevertheless, individuals have found that investor-friendly countries allow savings on investments through tax incentives. Some offshore locations, such as the Virgin Islands, do not require tax to be paid. This allows the portion of the gain that would normally go to tax to be reinvested.


There are certain organizations that argue that allowing no tax to be paid or reducing the amount of tax is a form of legalized tax evasion. However, tax incentives are a way for individuals to invest into that economy, making that economy even stronger.


But what one will find is that there is a high degree of regulation when it comes to offshore mutual funds. One may find that there may be a minimum investment of $100,000 and that an individual is required to identify him or herself as a "professional investor." In the U.S., Canada, and various other countries around the world, a person does not have to be a professional investor to invest in mutual funds. They have brokers who can take care of that for them and guide them through the process or simply take care of 100% of the એકાઉન્ટtransactions.

 પરિપત્ર માટે અહી ક્લિક કરો 

There may also be instances in which the number of investors is limited because of stipulations set forth in constitutional documents. It is these types of regulations that can limit the number of foreign investors in mutual funds, but they can prove to be quite profitable.

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Koo is a Personal Updates and Opinion sharing micro-blogging platform

 Connect with Celebs & Millions of People in your Language. Share Your Thoughts.



Koo is a Personal Updates and Opinion sharing micro-blogging platform. Discussions are around the latest and most interesting topics. It empowers people to express their thoughts in Indian languages with a strong knit local Indian community.


Koo has been declared an AatmaNirbhar App and won the AatmaNirbhar App Innovation Challenge held by the Government of India in August 2020. PM Narendra Modi encourages Indians to use the Koo App in his Mann Ki Baat speech too. Follow interesting Indians from all walks of life on Koo. 1000s of prominent personalities including Yogi Adityanath, Sadhguru, Sri Sri Ravishankar, Baba Ramdev, Ravi Shankar Prasad, Piyush Goyal, Virender Sehwag, Tiger Shroff, Shraddha Kapoor, Raveena Tandon, Anupam Kher, Anil Kumble, Javagal Srinath etc use Koo to express themselves everyday.


What you can do on Koo India:

- Share your opinions / updates

- Discuss your opinion on any topic in Indian languages

- Follow Bollywood artists, Journalists, Politicians, Cricketers, Actors / Actresses, Activists and other interesting people

- View your feed in Indian languages by seeing what people you follow said

- Trending #


Koo is an app built for Indians to share their views in their mother tongue and have meaningful discussions. It's proud to be Made in India as per the vision of PM Narendra Modi of being Vocal for Local. We hope you'll enjoy using this app as much as we enjoyed developing it. Look forward to your participation in creating a platform with sharp and intelligent thoughts :)

 

Apps & Games content ratings on Google Play

Content ratings for apps and games help you understand an app's maturity.

Ratings are the responsibility of the app developers and the International Age Rating Coalition (IARC). In South Korea, ratings have been approved by the Game Rating Administration Committee (GRAC).

How Google Play uses ratings

We use content ratings to:

  • Inform you of potentially objectionable content within an app.
  • Block or filter your content in certain territories or to specific users where required.

What content ratings tell you about an app or game

Age-based ratings & description

Content ratings are used to describe the minimum maturity level of content in apps. However, content ratings don't tell you whether an app is designed for users of a specific age.

Ratings are typically based on a number of factors, including sexual content, violence, drugs, gambling, and profane language.

Tap Read more on an app's details page to see a description of why the app got its rating.

એપ્લિકેશન ડાઉનલોડ કરવા અહી ક્લિક કરો 

Interactive features

In the "Read more" section on the app's details page, you can learn more about the app's interactive features. This includes things like whether an app shares a user's location, or if it allows users to interact with each other. An app's interactive features are separate from its content rating.

Unrated apps

Not all apps in the Google Play store have a rating. Unrated apps are treated like high-maturity apps for the purpose of parental controls until they get a rating.

If you set up parental controls to restrict apps and games to a certain rating, you won't see any Unrated apps in the Play Store app.

To learn more ways to find content that's appropriate for your family, including setting up parental controls, read the 

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દેશના દાનવીરોની યાદીમાં પ્રથમ સ્થાને અઝીમ પ્રેમજી, પ્રતિદિવસ ₹27 કરોડનું કર્યું

દેશના દાનવીરોની યાદીમાં પ્રથમ સ્થાને અઝીમ પ્રેમજી, પ્રતિદિવસ ₹27 કરોડનું કર્યું


એડલવાઈસ હુરુન ઈન્ડિયા ફિલાન્થ્રોપી લિસ્ટ 2021 અનુસાર પ્રેમજીએ મહામારીથી પ્રભાવિત વર્ષ દરમિયાન તેમના દાનમાં લગભગ 25 ટકાનો વધારો કર્યો હતો. તેમના પછી HCL ટેક્નોલોજિસના શિવ નાદર હતા જેમણે 1,263 કરોડ રૂપિયાનું દાન આપ્યું હતું.

એશિયાના સૌથી ધનાઢ્ય વ્યક્તિ અને રિલાયન્સ ઇન્ડસ્ટ્રીઝના વડા મુકેશ અંબાણી રૂ 577 કરોડના યોગદાન સાથે યાદીમાં ત્રીજા અને કુમાર મંગલમ બિરલા રૂ 377 કરોડ સાથે ચોથા ક્રમે હતા.

દેશના બીજા સૌથી ધનિક વ્યક્તિ અને અદાણી ગ્રુપના વડા ગૌતમ અદાણી આપત્તિ રાહત માટે 130 કરોડ રૂપિયાના દાન સાથે દાતાઓની યાદીમાં આઠમા સ્થાને છે. ઈન્ફોસિસના કો ફાઉન્ડર નંદન નીલેકણીની રેન્કિંગમાં પણ સુધારો થયો છે અને 183 કરોડ રૂપિયાના દાન સાથે તેઓ યાદીમાં પાંચમા સ્થાને છે. હિન્દુજા પરિવારે 166 કરોડના દાન સાથે યાદીમાં છઠ્ઠું સ્થાન મેળવ્યું હતું.

ટોપ 10 દિગ્ગજોમાં બજાજ પરિવાર, અનિલ અગ્રવાલ અને બર્મન પરિવારનો સમાવેશ થાય છે. બજાજ પરિવાર રૂ 136 કરોડના દાન સાથે હુરુન ઈન્ડિયા ફિલાન્થ્રોપી યાદીમાં 7મા ક્રમે હતો. ડાબર જૂથનો બર્મન પરિવાર 114 કરોડ રૂપિયાના દાન સાથે 10મા સ્થાને હતો. પરિવારે સેવાકાર્યમાં 502 ટકાના વધારો નોંધાવ્યો છે. લાર્સન એન્ડ ટુબ્રોના ભૂતપૂર્વ ચેરમેન એ એમ નાઈક રૂ 112 કરોડના દાન સાથે યાદીમાં 11મા ક્રમે છે જેમણે તેમની આવકના 75 ટકા સખાવતી હેતુઓ માટે આપવા વચન આપ્યું છે.

આ વર્ષે 17 અન્ય લોકો આ યાદીમાં જોડાયા છે જેમને કુલ રૂ. 261 કરોડનું દાન આપ્યું છે. યાદીમાં 50 કરોડના દાન સાથે દેશના સૌથી મોટા રોકાણકાર રાકેશ ઝુનઝુનવાલાએ એડલવાઈસ હુરુન ઈન્ડિયા ફિલાન્થ્રોપી લિસ્ટ 2021 માં સૌથી ઉદાર પ્રવેશકર્તા તરીકે ટોચનું સ્થાન મેળવ્યું છે.

જેરોધાના કો ફાઉન્ડર નીતિન અને નિખિલ કામથે આગામી કેટલાક વર્ષોમાં ક્લાઈમેટ ચેન્જ સોલ્યુશન્સ પર કામ કરતી વ્યક્તિઓ, સંસ્થાઓ અને કંપનીઓને ટેકો આપવા માટે રૂ 750 કરોડ આપવાનું વચન આપ્યું હતું. તેઓ યાદીમાં 35મા ક્રમે છે. 35 વર્ષીય નિખિલ કામથ પણ આ યાદીમાં સૌથી યુવા છે.

આ વર્ષે હુરુન ઈન્ડિયા ફિલાન્થ્રોપીની યાદીમાં નવ મહિલાઓનો સમાવેશ કરવામાં આવ્યો છે. રોહિણી નિલેકણી પરોપકારની પ્રવૃત્તિઓ માટે રૂ. 69 કરોડ આપ્યા છે. યુએસવીના લીના ગાંધી તિવારીએ રૂ. 24 કરોડ અને થર્મેક્સની અનુ આગાએ રૂ 20 કરોડનું દાન આપ્યું હતું.

In understanding the difference between domestic and offshore mutual funds, it is important to know what these funds are. It is true that there are a number of different mutual funds that are available to investors, but the basic construction of a mutual fund is that it is created by a firm that takes the money of many investors and invests that money into stocks, short-term money markets, bonds, and other types of securities. It is then that the manager of the portfolio manages that money by investing and trading the underlying securities of that fund. What happens is that capital gains or losses are realized and those gains and losses are then passed to each individual investor.


The United States and Canada have mutual funds that operate in a similar manner. These funds are open-end funds, closed-end funds, and unit investment trusts. Those investing in offshore mutual funds may find that the term is used more broadly. It is used to refer to any type of collective investment. The names that the investor may see these referred by include open-ended investment companies, unit trusts, undertakings for collective investments in transferable securities, and unitized insurance funds. That may seem like a lot to swallow, but many investors find that their offshore mutual fund investment opportunities are not as restricted because there are more types of mutual funds to invest in.


The offshore mutual fund


There are tax advantages to the offshore mutual fund that individuals will not find with their domestic mutual funds. Unless one of the rare loopholes is found, United States residents will still be fully taxed on their offshore mutual fund. This is usually referred to as "foreign arising income" on IRS tax forms. Nevertheless, individuals have found that investor-friendly countries allow savings on investments through tax incentives. Some offshore locations, such as the Virgin Islands, do not require tax to be paid. This allows the portion of the gain that would normally go to tax to be reinvested.


There are certain organizations that argue that allowing no tax to be paid or reducing the amount of tax is a form of legalized tax evasion. However, tax incentives are a way for individuals to invest into that economy, making that economy even stronger.


But what one will find is that there is a high degree of regulation when it comes to offshore mutual funds. One may find that there may be a minimum investment of $100,000 and that an individual is required to identify him or herself as a "professional investor." In the U.S., Canada, and various other countries around the world, a person does not have to be a professional investor to invest in mutual funds. They have brokers who can take care of that for them and guide them through the process or simply take care of 100% of the account transactions.


There may also be instances in which the number of investors is limited because of stipulations set forth in constitutional documents. It is these types of regulations that can limit the number of foreign investors in mutual funds, but they can prove to be quite profitable.


The differences

Read More »

ગાડી પર Fastag લાગેલું હોય તો ખાસ વાંચજો ક્યાંક મોટી પેનલ્ટી ન લાગે, જાણી લો નવો નિયમ

 તમારા કામનું / ગાડી પર Fastag લાગેલું હોય તો ખાસ વાંચજો ક્યાંક મોટી પેનલ્ટી ન લાગે, જાણી લો નવો નિયમ



ministry of road transport દ્વારા Fastagની વેલિડિટી પાંચ વર્ષ નક્કી કરવામાં આવી છે.

  • ગાડી લઈને નિકળતા પહેલા આ ખાસ વાંચજો 
  • પાંચ વર્ષ સુધી માન્ય હોય છે ફાસ્ટેગ 
  • ફાસ્ટેગ માટે વેલિડિટી નક્કી કરવામાં આવી 

તમારી ગાડીમાં લગાવવામાં આવેલું ફાસ્ટેગ વધુ જુનુ થઈ ગયુ હોય તો સમય રહેતા તમે તેને બદલી દો. કારણ કે વધુ જુનુ ફાસ્ટેગ લાગેલા વાહનોથી જો તમે કોઈ ટોલ પ્લાઝામાં જાઓ છો તો તે માન્ય નથી રહેતું. ત્યાં તમને સુવિધા મળવાની જગ્યા પર પેનેલ્ટી આપવી પડી શકે છે. માટે જો તમે ગાડી લઈને ફરવાનો પ્લાન બનાવી રહ્યા છો તો ફાસ્ટેગની વેલિડિટી જરૂર તપાસી લો. 

માર્ગ પરિવહન મંત્રાલયે (Ministry of Road Transport) ફાસ્ટેગની એક વેલિડિટી નક્કી કરી છે. વેલિડિટી પુરી થયા બાદ ટોલ પ્લાઝા પર ફાસ્ટેગ માન્ય નહીં રહે. પરંતુ તમારૂ વાહન ફાસ્ટેગ વગરનું માનવામાં આવશે અને તમારે બે ઘણો ટોલ ટેક્સ ચુકવવું પડી શકે છે. તેની સાથે જ ટોલ પ્લાઝામાં તમારો સમય પણ બરબાદ થઈ શકે છે.

પાંચ વર્ષ સુધી માન્ય હોય છે ફાસ્ટેગ 
નેશનલ હાઈવે ઓથોરિટી ઈન્ડિયા (National Highway Authority of India Highway) અનુસાર ફાસ્ટેગની માન્યતા પાંચ વર્ષ રાખવામાં આવી છે. માર્ગ પરિવહન મંત્રાલયે ફાસ્ટેગની શરૂઆત વર્ષ 2016 નવેમ્બરથી કરી હતી. નવેમ્બરથી નવા વાહનોમાં ફાસ્ટેગ જરૂરી કરી દેવામાં આવ્યું હતું. એટલે કે 2016 નવેમ્બરથી શોરૂમમાંથી વેચાતી દરેક ગાડી પર કંપની દ્વારા ફાસ્ટેગ લગાવીને જ આપવામાં આવશે. ફાસ્ટેગથી પહેલું ટ્રાન્ઝેક્શન ડિસેમ્બરના પહેલા અઠવાડીયાથી શરૂ કરી દેવામાં આવ્યું  હતું. એટલે જો તમે નવેમ્બર 2016માં ગાડી ખરીદી છે તો બે દિવસ બાદ તમારી ગાડીમાં લાગેલો ફાસ્ટેગ પાંચ વર્ષ જુનો થઈ જશે અને તમારે તેને સમય રહેતા બદલવાનો રહેશે. 

હવે વાહન માલિકને શું કરવાનું રહેશે? 
વાહનમાં લાગેલા પાંચ વર્ષ જુના ફાસ્ટેગને હટાવી લેવું જોઈએ. પરંતુ જો તમારૂ ફાસ્ટેગ બેન્ક એકાઉન્ટ સાથે લિંક છે અથવા ફાસ્ટેગમાં રૂપિયા છે તો તમારે સંબંધિત બેન્કમાં જવાનું રહેશે. ત્યાં બીજુ ફાસ્ટેગ લગાવવાનું રહેશે. તેની સાથે જ જુના ફાસ્ટેગમાં બચેલા રૂપિયાને નવા ફાસ્ટેગમાં ટ્રાન્સફર કરવાના રહેશે અને જુના ફાસ્ટેગને નષ્ટ કરવાનું રહેશે. જેથી તેનો કોઈ મિસયુઝ ન થઈ શકે.

The real nature of insurance is often confused. The word "insurance" is sometimes applied to a fund that is accumulated to meet uncertain losses. For example, a specialty shop dealing in seasonal goods must add to its price early in the season to build up a fund to cover the possibility of loss at the end of the season when the price must be reduced to clear the market. Similarly, life insurance quotes take into consideration the price the policy would cost after collecting premiums from other policyholders.


This method of meeting a risk is not insurance. It takes more than the mere accumulation of funds to meet uncertain losses to constitute insurance. A transfer of risk is sometimes spoken of as insurance. A store that sells television sets promises to service the set for one year free of charge and to replace the picture tube should the glories of television prove too much for its delicate wiring. The salesman may refer to this agreement as an "insurance policy." It is true that it does represent a transfer of risk, but it is not insurance.


An adequate definition of insurance must include both the building-up of a fund or the transference of risk and a combination of a large number of separate, independent exposures to loss. Only then is there true insurance. Insurance may be defined as a social device for reducing risk by combining a sufficient number of exposure units to make the loss predictable.


The predictable loss is then shared proportionately by all those in the combination. Not only is uncertainty reduced, but losses are shared. These are the important essentials of insurance. One man who owns 10,000 small dwellings, widely scattered, is in almost the same position from the standpoint of insurance as an insurance company with 10,000 policyholders who each own a small dwelling.


The former case may be a subject for self-insurance, whereas the latter represents commercial insurance. From the point of view of the individual insured, insurance is a device that makes it possible for him to substitute a small, definite loss for a large but uncertain loss under an arrangement whereby the fortunate many who escape loss will help to compensate the unfortunate few who suffer loss.


The Law of Large Numbers


To repeat, insurance reduces risk. Paying a premium on a home owners insurance policy will reduce the chance that an individual will lose their home. At first glance, it may seem strange that a combination of individual risks would result in the reduction of risk. The principle that explains this phenomenon is called in mathematics the "law of large numbers." It is sometimes loosely referred to as the "law of averages" or the "law of probability." Actually, it is but one portion of the subject of probability. The latter is not a law at all but merely a branch of mathematics.


In the seventeenth century, European mathematicians were constructing crude mortality tables. From these investigations, they discovered that the percentage of males and females among each year's births tended everywhere toward a certain constant if sufficient numbers of births were tabulated. In the nineteenth century, Simeon Denis Poisson gave to this principle the name "law of large numbers."


This law is based on the regularity of the occurrence of events, so that what seems random occurrence in the individual happening simply seems so because of insufficient or incomplete knowledge of what is expected to occur. For all practical purposes the law of large numbers may be stated as follows:


The greater the number of exposures, the more nearly will the actual results obtained approach the probable result expected with an infinite number of exposures. This means that, if you flip a coin a sufficiently large number of times, the results of your trials will approach one-half heads and one-half tails, the theoretical probability if the coin is flipped an infinite number of times.

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લાભકારક / શરીરના બધાં રોગોને મટાડી શકે છે, આ પ્રાણાયામ જાણો તેને કરવાની સરળ રીત અને ચમત્કારી ફાયદા


લાભકારક / શરીરના બધાં રોગોને મટાડી શકે છે, આ પ્રાણાયામ જાણો તેને કરવાની સરળ રીત અને ચમત્કારી ફાયદા

કપાલભાતિ પ્રાણાયામ (કપાળને ચમકાવતી શ્વાસોચ્છવાસની પદ્ધતિ)

કપાલભાતિ, શ્વાસોચ્છવાસની ઘણી શક્તિશાળી પ્રક્રિયા છે, જેના દ્વારા માત્ર વજન ઓછું નથી થતું પરંતુ તમારા સમગ્ર તંત્રમાં સંપૂર્ણ સમતુલન લાવે છે. ડૉ. સેજલ શાહ આર્ટ ઓફ લિવિંગ યોગશિક્ષક કપાલભાતિનું મહત્વ સમજાવે છે. "દરેક બહાર જતા શ્વાસ દ્વારા(ઉચ્છવાસમાં) આપણા શરીરના ૮૦% ઝેરી તત્વો બહાર ફેંકાય છે. કપાલભાતિ પ્રાણાયામની નિયમિતતા આપણા શરીરના બધાજ તંત્ર / પદ્ધતિઓને બિનઝેરી બનાવે છે". "કપાલભાતિ ઍટલેજ તેજસ્વી કપાળ" અને નિયમિત કપાલભાતિ પ્રાણાયામદ્વારા ખરેખર કપાળ તેજસ્વી બને છે, ચમકે છે. અને  માત્ર કપાળ ચમકે છે ઍટલુંજ નહીં, પરંતુ બુદ્ધિ વધુ ધારદાર, તીક્ષ્ણ અને શુદ્ધ બને છે.

 

કપાલભાતિ પ્રાણાયામ કેવી રીતે કરશો

  1. કરોડરજ્જુ સીધી રાખી, આરામદાયક સ્થિતિમાં બેસો.બંને હાથ ઘુંટણ પર અને હથેળીઑ ખુલ્લી, આકાશ તરફ રાખો.
  2. ઉંડો શ્વાસ લો..
  3. શ્વાસ છોડો ત્યારે તમારા પેટ અને નાભિ ને કરોડરજ્જુ તરફ પાછળ ખેંચો. જેટલું તમારાથી થઈ શકે તેટલું પાછળ તરફ ખેંચો. તમે તમારો જમણો હાથ પેટ પર   રાખી શકો, જેથી પેટના સ્નાયુઓનું સંકોચન અનુભવી શકો. નાભીને અંદરની તરફ ખેંચો.
  4. નાભિ અને પેટને ઢીલા છોડશો એટલે શ્વાસ આપોઆપ ફેફસામાં જવા માંડશે.
  5. કપાલભાતિ પ્રાણાયામના ઍક રાઉંડમાં ૨૦ શ્વાસ લેવા.
  6. ઍક રાઉંડ પૂર્ણ થયા બાદ, આંખો બંધ રાખી વિશ્રામ કરો અને શરીરમાં થતા સ્પન્દનોને અનુભવો.
  7. આ રીતે કપાલભાતિ પ્રાણાયામના બીજા બે રાઉંડ કરો.

કપાલભાતિ પ્રાણાયામમાં બહાર જતો શ્વાસ (ઉચ્છવાસ) સક્રિય અને જોશીલો છે. આથી માત્ર તમારા શ્વાસને જોશથી બહાર ફેંકતા રહો. અંદર આવતા શ્વાસની ચિંતા ન કરો. જેવા તમે પેટના સ્નાયૂને ઢીલા છોડશો, આપોઆપ શ્વાસ અંદર લેવાશે. તમારી સજાગતા માત્ર શ્વાસ છોડવા પ્રત્યે રાખો. આ પધ્ધતિ આર્ટ ઓફ લિવિંગ યોગશિક્ષક પાસે શીખો. અને પછી તમે ભૂખ્યા પેટે ઘરે કરી શકો છો.

કપાલભાતિ પ્રાણાયામના ફાયદા

  • પાચનક્રિયામાં વધારો કરીને વજન ઘટાડવામાં અસરકારક છે.
  • નાડીશોધન કરે છે. (સૂક્ષ્મ ઉર્જા (પ્રાણ ઉર્જા) ના  સ્ત્રોતને શુદ્ધ કરે છે
  • પેટના સ્નાયુઓને સંતુલિત કરે છે અને ડાયાબેટીસના દર્દીઓ માટે ખૂબ ઉપયોગી છે.
  • રક્ત પરિભ્રમણ સુધારે છે અને ચહેરા પર ચમક લાવે છે.
  • પાચનમાર્ગના કાર્યમાં સુધારો કરે છે અને પોષકતત્વોને શોષવામાં અને પચાવવામાં મદદરૂપ થાય છે.
  • પેટ સુડોળ અને વ્યવસ્થિત રાખે છે.
  • ચેતાતંત્રને સક્રિય બનાવે છે, પ્રાણ પૂરે છે અને મગજના કોશોને ચેતનવંતા બનાવે છે
  • મનને શાંત અને ઉન્નત બનાવે છે.

કપાલભાતિ પ્રાણાયામ કોણે ન કરવા જોઈયે?

  • જો તમે કૃત્રીમ પેસમેકર ધરાવતા હો અથવા સ્ટેંટ હોય તો કપાલભાતિ પ્રાણાયામથી દૂર રહેવું.
  • સ્લિપ ડિસ્કને કારણે પીઠમાં દુખાવો હોય અથવા પેટની કોઈ સર્જરી કરાવી હોય અથવા ઍપિલેપ્સી કે હર્નિયાથી પીડાતા હોય તેમણે કપાલભાતિ પ્રાણાયામ કરવાનું ટાળવું.
  • ગર્ભાવસ્થા દરમ્યાન અને પ્રસુતિ પછી તરત  જ આ પ્રાણાયામ ન કરવા, તેમજ માસિક સ્ત્રાવ દરમ્યાન પણ નહીં કરવા કારણ કે આ વ્યાયામમાં પેટને સખત ખેંચાણ કરવું પડતું હોય છે.
  • હાઇપર ટેન્શન અને હ્રદયની સમસ્યા ધરાવતા દર્દીઓઍ આ પ્રાણાયામ યોગનિષ્ણાંતના માર્ગદર્શન હેઠળ કરવા જોઈયે.
  •  

    નિયમિત યોગાસાન કરવાથી શારીરિક અને માનસિક વિકાસ થાય છે અને અઢળક તંદુરસ્તીના લાભો મળે છે. જો કે તે દવાનો વિકલ્પ નથી. ઍ ખૂબ મહત્વનું છે કે યોગાસનો, યોગમાં તાલિમ પામેલ શ્રી શ્રી યોગશિક્ષકના નિરીક્ષણ અને માર્ગદર્શન હેઠળ  શીખવા અને કરવા જોઈયે.

In understanding the difference between domestic and offshore mutual funds, it is important to know what these funds are. It is true that there are a number of different mutual funds that are available to investors, but the basic construction of a mutual fund is that it is created by a firm that takes the money of many investors and invests that money into stocks, short-term money markets, bonds, and other types of securities. It is then that the manager of the portfolio manages that money by investing and trading the underlying securities of that fund. What happens is that capital gains or losses are realized and those gains and losses are then passed to each individual investor. The United States and Canada have mutual funds that operate in a similar manner. These funds are open-end funds, closed-end funds, and unit investment trusts. Those investing in offshore mutual funds may find that the term is used more broadly. It is used to refer to any type of collective investment. The names that the investor may see these referred by include open-ended investment companies, unit trusts, undertakings for collective investments in transferable securities, and unitized insurance funds. That may seem like a lot to swallow, but many investors find that their offshore mutual fund investment opportunities are not as restricted because there are more types of mutual funds to invest in. The offshore mutual fund There are tax advantages to the offshore mutual fund that individuals will not find with their domestic mutual funds. Unless one of the rare loopholes is found, United States residents will still be fully taxed on their offshore mutual fund. This is usually referred to as "foreign arising income" on IRS tax forms. Nevertheless, individuals have found that investor-friendly countries allow savings on investments through tax incentives. Some offshore locations, such as the Virgin Islands, do not require tax to be paid. This allows the portion of the gain that would normally go to tax to be reinvested. There are certain organizations that argue that allowing no tax to be paid or reducing the amount of tax is a form of legalized tax evasion. However, tax incentives are a way for individuals to invest into that economy, making that economy even stronger. But what one will find is that there is a high degree of regulation when it comes to offshore mutual funds. One may find that there may be a minimum investment of $100,000 and that an individual is required to identify him or herself as a "professional investor." In the U.S., Canada, and various other countries around the world, a person does not have to be a professional investor to invest in mutual funds. They have brokers who can take care of that for them and guide them through the process or simply take care of 100% of the account transactions. There may also be instances in which the number of investors is limited because of stipulations set forth in constitutional documents. It is these types of regulations that can limit the number of foreign investors in mutual funds, but they can prove to be quite profitable. The differences
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Wednesday 27 October 2021

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Town Guide In Gujarat Download HD map.

       👆👆ગામ નો નકશો ડાઉનલોડ કરવા અહી ક્લિક કરો.,..

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Tuesday 26 October 2021

🌅🌟ઉચ્ચતર પગાર ધોરણ ના કેસો ઓનલાઇન કરવા માટે શિક્ષક શ્રીઓ એ આ ફોર્મ ભરવું જરૂરી💫

🌅🌟ઉચ્ચતર પગાર ધોરણ ના કેસો ઓનલાઇન કરવા માટે શિક્ષક શ્રીઓ એ આ ફોર્મ ભરવું જરૂરી💫


📺દરેક શિક્ષકે ખાસ જોવાલાયક ફોર્મ✨️

From the very old-time the students and teachers have embraced themselves in a dynamic relationship to build up the base of learning. Many say that it is the bond of love, respect and knowledge but it surely depends on both the students and teachers. The association is based on the quality interaction and knowledge sharing between teachers and students. If we track the traditional teaching system and consider the learning as a communication process then the person behind the message will be the teacher and the receiver will be the learners and message will be the knowledge. Now the performance of the students also depends on the act of the teacher as the students get the understanding from the teacher and that gets transmitted in their learning and progress.

A good and effective teacher should be capable to grasp the attention of the students towards learning. To do that the teachers are required to mould the information and present it through an interesting and effective way for them. Now, to keep up a strong connection with the students, the teachers need to possess certain qualities - setting learning goals, classroom management, classroom presentation, developing positive learning environment and proficiency in latest teaching techniques.

A good teacher should always know how to set up some learning objectives before starting the classes. The objectives have to match with the goals and aims of the lesson and the teacher should be able to achieve those objectives within the class. A well-disciplined class room is always favoured by everyone and the onus of keeping a well-organized and disciplined class lies on the shoulders of the teachers along with a proper plan to carry out the lesson properly.

Because of this, classroom management course has become indispensable now a day for the new teachers. Even the experienced teachers have started to take special training in classroom management to develop modern classroom management skills as the behaviour and demands of the students are changing and they need to apply different techniques to organize the modern learners. This course also helps teachers to maintain the discipline and good behaviour in the class and also help the teacher to carry out the class as it should be.

Learning environment development is one of the most important initiatives that a teacher needs to craft as the learning environment helps the students to focus more on learning and also to get rid of the external factors which interrupt learning. It is found that sometimes the outer surrounding is not fitting enough for the students. Apart from the class room interior, a teacher should also try to transform the environment outside the classroom for the students to further their learning in the most suitable way.

As the teacher is the foundation of knowledge so, he/ she must have the thorough knowledge on the subject he/ she is going to deliver and the knowledge should effectively come in help for the students. He/ she must be ready to answer to all the questions crop up in the class so, it is necessary to have compact understanding about the subject of he/ she is teaching in the class. The teacher needs to guarantee that they are meeting the expectations of the students as well as the guardians and fulfilling their requirements.

Teaching is an ever developing job and in order to shape the future minds then a teacher always needs to upgrade her/him. A teacher must learn how to build an interesting surrounding full of choices and activities where intellectual development can spontaneously thrive. The inner distinctness in characteristics between adults and kids claim for different teaching techniques to teach children. In fact there are many specialized courses offered by the teacher training providers to help the teachers like there are courses to felicitate the teachers for individual development and requirement. A teacher needs to see the growth of every student and plan accordingly for their individual development and can always avail modern teachers training course which has been planned for the next-gen teacher

   From માટે અહીં click કરો


 ડોક્યુમેન્ટ્સ વિશે જાણવા અહીં ક્લિક કરો


 ચોથા પાંચમા છઠ્ઠા અને સાતમાં પગારપંચ મુજબ ના પગાર જાણવા અહીં ક્લિક કરો



APPLICATION FORM - USEFUL FOR TEACHERS AND ALL GOVERNMENT EMPLOYEES 

1- MAKAN PESHAGI
2-LINK INSURANCE
3-UCHH ABHYAS MATE NOC FORM.
4-PASS PORT MATE NOC FORM
5-CPF ACC. OPEN KARVA MATE NU FORM
6-GPF JILLA FERBADAL FORM
7-GPF AKHARI APAD NU FORM
8-VARSDAR DVARA GPF AKHARI UOAD NU FORM
9-GPF ACC. OPEN MATE NU FORM
10-GPF PART FINEL UPAD FORM
11-CHALU NOKARI E AVASAN PAMEL PRI. TEACHER NA ASHRITO NE NANAKIAYA SAHAY MATE MANJURI NU CHECK LIST
12-DIST. FER BADALI MATE NU FORM
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Diwali Stickers 2020 whatsapp Sticker Apps


Diwali Stickers 2020 whatsapp Sticker Apps



Diwali Stickers 2020 whatsapp Sticker Apps

Diwali Stickers 2020, you can send Diwali wishes as Stickers to your family, friends, and colleagues and all the other WhatsApp groups.

This app has multiple Diwali Sticker Packs on different themes and you can easily add them to WhatsApp and from WhatsApp, you can send this sticker.

Diwali is an important Hindu festival celebrated by more than over 100 crore people and wishing everyone on this day is a common practice. People share their Diwali wishes in different ways and definitely WhatsApp sticker is one of the coolest ways in this digital world. What are you waiting for? Download our Diwali Stickers 2020 WAStickerApps app and share your Diwali greetings as a sticker in WhatsApp.

Please share your feedback with the team to improve the app

The festival of Deepawali is the biggest festival lasting five days. It is only after Dussehra that the preparation of Deepawali starts in the houses, which is done on a wide scale. On this day Lord Sri Ram, Mother Sita, and brother Lakshmana returned to Ayodhya after completing fourteen years of exile. Apart from this, there are some other mythological stories about Deepawali. Read Essay -

 Preface - Each society expresses its happiness together through festivals. The major festivals of Hindus are Holi, Rakshabandhan, Dussehra, and Deepawali. Of these, Deepawali is the most prominent festival. As soon as the attention of this festival comes, the mind-peacock dances. This festival lights up the minds of all of us as it is the festival of lamps.

 Deepawali is celebrated - This festival is celebrated on the new moon day of Kartik month. The dark night of Amavasya shines brightly with innumerable lamps. It is said that Lord Rama returned to Ayodhya after 14 years of exile, in this joy Ayodhya people welcomed him by lighting diyas.

Preparations to celebrate Deepotsav - This festival is celebrated by people of almost all religions. Many days before the arrival of this festival, decorating and decorating of houses starts.

 New clothes are made, sweets are made. After the rain, the dirt turns into grand charm, cleanliness, and cleanliness. The arrival of Lakshmi is brightened.

 Utsav - This festival is celebrated for five days. This festival runs from Dhanteras to Bhai Dooj. On the day of Dhanteras, businesses make their books new. It is considered good to bathe before sunrise on the day of hell fourteen. Lakshmiji is worshiped on Amavasya.



 Prasad of Kheel-Batashe is offered. New clothes are worn. Sparklers, crackers are omitted. The colorful lights of innumerable lamps captivate the mind. The decoration of shops, markets, and houses remains visible.

 The next day is the day of the mutual meeting. Deepawali is greeted by hugging each other. Housewives welcome guests. People forget this distinction between big and small, rich and poor, and celebrate this festival together.

 Epilogue - Deepawali festival brings joy to the life of all. Provides enthusiasm to live a new life. Some people gamble on this day, which is a very bad thing for home and society.

 We should avoid this evil. Crackers should be left carefully. It should be kept in mind that no one should be hurt by any of our actions and behavior, then it will be meaningful to celebrate the festival of Deepawali.

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Sunday 24 October 2021

School of Excellence, babat: news report



School of Excellence, babat: news report

Learning is a complex process. We learn by building on past experiences; by trial and error; by starting with simple tasks and combining them over time to accomplish more complex tasks; and, by gaining insight and understanding of the relationship between various parts of a problem. Research demonstrates that for teaching to be effective, a learner must be able to create meaningful relevant patterns. The process of learning must be maintained within a context of appropriate and challenging standards.

If our children are to realize the promise of American life, we must accept the premise that standards are the surest route to excellence. Parents and educators should inculcate that ethic of excellence in schools by raising standards of performance for both students and educational professionals. Higher expectations for students, teachers and educational systems are critical. Technology is a means of attaining a higher level of learning. With excellence in education as a national priority, educators are assessing how new technologies can be harnessed to support evolving communication patterns and the student/teacher roles that are characteristic of the new teaching methods. These teaching methods allow students to investigate their questions in a number of ways.

As the use of technology becomes more prevalent in our schools, there are significant environmental characteristics that ought to exist in order to maximize the benefits of educational technology:

- District-level involvement and a school-level computer coordinator are key factors in developing a school environment conductive to effective use of technology. Leadership and technical support are key elements to successful programs.
- School districts and teacher preparation programs must provide the incentive, time and support system for teachers to realize the benefits of technology and feel comfortable with utilizing it in the classroom.
- Instructors must allow the student to pursue interests, develop understanding and communicate findings. Students need to be encouraged to be creative and explore their questions.

Educators are realizing the importance of fostering within students independent judgment, critical thinking and problem-solving skills. Student learning can be enhanced by tutorials and various communication technologies that allow the investigation of real-life issues confronting professionals. While complex, these teaching strategies provide the learner with authentic experiences and challenge personal exploration, resulting in student-directed learning with the teacher functioning as a valued resource and guide.

The rapid increase in government and business sponsorship of educational technology has led to numerous studies on the subject:

- Technology has a positive effect on student achievement (both in regular and special education) from preschool through high school.
- Technology has a positive effect on student attitudes towards learning and on students' self concept.
- The introduction of technology into the learning environment can make learning more student-centered, encourage cooperative learning and stimulate increased teacher/student interaction.

Technology can make the learning process more efficient without detracting from established educational objectives. Once the individual is proficient in the basics of reading, writing, computations and oral communication, then the learning experience can be further enhanced by computers, distance learning, computer-assisted instruction using integrated learning systems, computer-based labs, presentation software and telecommunications.

The integration of technology into instruction provides very significant benefits. With more effective planning sessions and greater accommodation of different learning styles, teachers can focus on the needs of individual students. This emphasis also allows the teacher to establish developmentally appropriate expectations for each student, thus enhancing the individual's learning. These efforts find teachers orchestrating the learning rather than serving as the dispenser of knowledge. Classrooms can contain more collaboration and small-group interaction, allowing for a student-centered focus.

While educational technology includes numerous modes of delivery and support mechanisms, the computer is often a major component. Several researchers have investigated the impacts of computers on the learning process. The research confirms the advantages technology brings to the learning process. However, its availability and utilization are issues confronting educators. Among the more significant challenges is the day-to-day integration of these tools into the instructional process
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Jio Security: Malware Scan, Antivirus, App Lock

 

Jio Security: Malware Scan, Antivirus, App Lock

Jio Security: Malware Scan, Antivirus, App Lock


Our phone contains critical data like phone numbers, emails, details like checking account number, passwords, OTPs, personal messages, media files etc. It deserves the protection of a very world class mobile security software.

JioSecurity helps keep personal information private, faraway from the prying eyes of hackers & other malwares.


Download the newest version of JioSecurity antivirus and malware solution for Android devices.





FEATURES-

App Advisor ::

Giving unnecessary app permissions is risky. These permissions allow the app developer to access our personal file which ends up in fraud & other privacy risks.
App Advisor Keeps all of your personal files like pictures, music, videos, checking account details safe by clearly categorizing the apps as privacy risk, high data/battery consuming & safe apps.



App Advisor for Google Play ::

While App Advisor helps you identify risky apps from the apps that already reside in your phone, App Advisor for Google play helps you identify the danger even before you download the app.


At a stage where you're close to click on the install button, it'll scan the app for privacy risk and show you the result basis which you'll plan to download the app.



Malware Scan ::

Malware scan protects your phone from any malicious files.

Its runs within the background & informs you about file or apps which will cause a possible harm to your device & personal information. you'll run a manual scan as and when required to determine the risks.



Web Protection –

Web Protection feature helps you remain safe during your browsing sessions. It notifies you the instant you encounter an internet site that contains such malicious codes.



Anti-Theft ::

  • Locate – Remotely trace your mobile on a map and find its location.
  • Lock – Remotely lock your device, the thief won't be ready to access your phone without your passcode.
  • Scream – Makes an alarm explode loudly enough in order that you're ready to trace it just in case someone is hiding the phone in his/her bag.
  • Wipe – Remotely wipe your data, in order that it can't be misused.


Link Guard ::

Call Blocking: allows you to dam unwanted spam & junk calls on your phone.


Wi-Fi Security – This feature helps you identify, if the Wi-Fi you've got latched on is safe or not.


Call blocking ::

Block unwanted calls & SMS. Never be bothered about unwanted disturbances.



Exclusively for Jio users ::

JioSecurity is free for all the consumers using Jio’s SIM.


Supports up to 10 devices :;

  • JioSecurity comes with a singular feature where one JioSecurity subscription can protect up to 10 mobile devices or tablets.
  • Use an equivalent Jio ID and password on any non-Jio devices, to activate JioSecurity and protect them from digital threats.
  • The remainder of the devices could also be on any network.


Easy activation for Jio SIM users ::


JioSecurity must be activated once installed. Follow below simple steps
  • 1. If you're accessing internet using Jio network simply use “Skip Sign in” choice to activate JioSecurity.
  • 2. Other network users need Jio id and password to login in and activate JioSecurity.

 GET APPLICATION FROM HERE

 

*👩‍🏫સરકારી કર્મચારી સાથે ગેરવર્તણૂક બદલ ફોજદારી ગુન્હાની જાણકારી*

Privacy policy:

http://www.jio.com/en-in/jio-security-privacy-policy

This app uses the Device Administrator permission and Accessibility services.
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