Live Budget 2018 Highlights and review

In this post, I will try to update the Live Budget 2018 Highlights as and when it will be declared by Finance Minister Shri. Arun Jaitley.

Live Budget 2018 Highlights and review

  • Achieved 7.5% average growth after 3 years of NDA Regime.
  • This year budget will concentrate on rural, improving education, rural health and agriculture sector-FM.
  • Exports to grow at 15% in FY 2018.
  • MSP for Kharif crops to be 1.5 *Cost of Procure.
  • Want farmers to earn 1.5 times of their cost of procuring cost.
  • 470 APMCs will be connected to eNAM for transparent price discovery.
  • eNAM will be free from APMC regulatory.
  • Allocation to food processing doubled from 715 Cr to 1400 cr.
  • Operation “Green” to be launched. Agri logistics, professional management, Rs. 500 cr. – make potatoes and onions everywhere.
  • Ujwala Yojana will now target 8 Cr poor families.
  • Rs.16000 Cr to Pradhan Mantri Soubhagya Yojana.
  • Plan to move from Blackboard to digital board education.
  • Ekalavya Schools on par with Navodaya schools will be launched.
  • Prime Minister Research Fellow scheme will be launched for BTech Students.
  • National Health Protection Scheme up to Rs.5 lakh coverage for each family per year covered under health care programme to 10 Cr poor families.
  • Rs.500 per month to TB patients.
  • Mudra loan targetted to Rs.3 lakh crore for next FY.
  • Women only have to contribute only 8% of their basic pay compared to 12% by the employer during first 3 years.
  • Govt will contribute 12% of the contribution to EPF for new employees.
  • SEBI will consider mandate getting 1/4th of financing from bond markets.
  • Rs 11,000 crore allocated for Mumbai suburban railways.
  • The government will not consider Crypto Currency as legal tender.
  • Tolls payment will be pay as you use format.
  • All four general insurance companies will be be merged and listed.
  • Gold Monetization Scheme will be revamped.
  • MPs salary linked to index.
  • No change in the individual personal tax bracket.
  • The standard deduction of Rs.40,000 for salaried and pensioners.
  • Senior Citizen Health Insurance deduction under Sec.80D raised to Rs.50,000.
  • No TDS for interest income for Senior Citizens.
  • Pradhan Mantri Vaya Vandana Yojana extended up to 2020.
  • LTCG tax on equity will be if the gain is more than Rs.1 lakh at 10% without indexation.
  • Health and Education cess increased to 4%.
  • Abolish education and higher education cess.
  • Customs duty on mobile phones increased from 15% to 20%.
  • Dividend Distribution tax on Equity Mutual Fund.

Highest Bank FD Interest Rates – February 2018 latest list

Which bank offers Highest Bank FD Interest Rates for February 2018? Let us shortlist the bank based on current interest rate.

Features of Bank FDs (Fixed Deposits)

  • You can book the FD from minimum 7 days to 10 Years.
  • However, few banks like Ratnakar Bank and IDBI Bank Offers FDs up to 20 years.
  • Interest on such FDs is quarterly compounding (if your FD is at least more than 6 months). Hence, let us say the Bank FD rate is 8% for 10 Years FD, then the effective rate will be 8.24%.
  • You can request for interest payout based on your requirement like monthly or on a quarterly basis also.
  • Banks offer the loan or Over Draft (OD) facility on your FD. The interest on such loan or OD will be around 0.5% to 1% more than your FD rate.
  • Such FDs attract TDS (Tax deduction at source) at the rate of 10%, if the interest income is more than Rs.10,000 in a financial year per bank.
  • There is a misconception among many of us that avoiding TDS means avoiding income tax. However, even if you avoid TDS, the income from Bank FD will be taxable income for you and you have to pay the tax as per your income tax slab.
  • Check for penalty clause on premature closure.
  • Never forget to use the nomination facility.
  • There are options like re-investment at maturity or credit back to your bank account. Hence, choose the option wisely based on your requirement.  You can re-invest either only principal or only interest.

For your ease of understanding, I am dividing the Bank FD rates as below.

# FD rates for less than a year.

#FD rates for 1-2 years.

# FD rates for 2-5 years.

# FD rates for 5-10 years.

#FD rates for more than 10 years.

Highest Bank FD Interest Rates – February 2018

Now let us see which bank offers the Highest Bank FD Interest Rates for the month of February 2018.

In this below table, I listed all major banks. Also, my priority is to list the FD rates which can be available for premature.

Highest Bank FD Interest Rates – February 2018

You noticed that for less than a year FDs, the interest rate varies from 5% (United Bank of India) to 7% (RBL Bank). Same way, for 1 Yr to 2 Yrs FDs, the interest rate varies from 6.25% (HDFC Bank) t0 7.1% (RBL Bank). For 2 Yrs to 3 Yrs FDs, the interest rate varies from 6% (SBI) to 7.1% (RBL Bank). For 3 Yrs to 5 Yrs FDS, the interest rate varies from 6% (HDFC Bank and Bank Of Maharashtra) to 7.25% (DCB Bank). For more than 5 Yrs FDs, the interest rate varies from 6% (Canara Bank) to 7.1% (RBL Bank).

In my view, open the FD where you have internet banking facility. This is completely hassle-free and even you can liquidate the FD at any point of time (by paying premature closure penalty) using the same internet banking facility.

Otherwise, if you book the FD physically visiting the Bank, then some banks do not allow you to liquidate the FD using internet banking.

Hence, cross-check the rules before jumping into opening FD.

BSNL cancels free Sunday calling from 1st Feb 2018

BSNL cancels free Sunday calling from 1st Feb 2018. This is a big blow by the State-owned telecom company Bharat Sanchar Nigam Ltd (BSNL) for the citizen of the Nation. BSNL has revised its free voice calling benefits and it might be a huge dissatisfaction for customers. BSNL will withdraw its free voice calling benefits from landlines on Sundays from February 1.

The news really a great regret for those customers especially those ones who could not afford higher rates call charged by others. The decision comes soon after the company decided to restrict free night calling benefits for the broadband users.

BSNL cancels free Sunday calling from 1st Feb 2018

But for Kolkata, there is some relief for Calcutta Landline users, the Calcutta Telephones (CalTel) is BSNL’s Kolkata unit, are working on some plans which will reduce the impact for the state customers as per said by the Chief General Manager S P Tripathi of (CalTel).

As this service gets effective, the BSNL landline users will have to pay for the calling, similar to that on weekdays. Calcutta Telephones currently has six lakh fixed landline connections out of some 12 million connections across the country.

When did the free night calls begin?

 Free night calling and free Sunday calling was introduced by BSNL from August 21, 2016, following which customers were able to make free unlimited calls on any mobile or landline number in the country on Sundays from August 21. BSNL has also launched unlimited BB249 plan which offers unlimited Broadband internet for merely Rs 249.

BSNL cancels free Sunday calling from 1st Feb 2018


How will be the new plan acts?

From February 1, BSNL customers who have subscribed to the FTTH, landline, broadband and combo plans will be charged on Sundays just like any other day. It will be applicable to both the existing and new customers too. Still, the users can enjoy the free night calling for the new timing on Sundays too.

BSNL has already revised the night voice calling scheme in 1st January after which free calling is offered from 10.30 pm instead of 9 pm, initially, the free night voice calling was from 9 pm to 7 am.

The unlimited broadband plans from BSNL start at Rs. 499 and not all these plans come with bundled free voice calls. It is limited to some plans such as the BB249 and a few other combo plans.

 Why has BSNL taken such harsh decision?

 On July 31, 1995, first for India when our honorable the Chief Minister of West Bengal, Jyoti Basu made the first mobile phone call in India to then Union Telecom Minister Sukhram. Sixteen years later 4th generation services were launched in Kolkata.

It’s really a question mark for all of us now that how suddenly the Government telecommunication company become so rude to its nation’s customers?

I think its just because of these private players. Once there was a time when BSNL was the one and only means of telecommunication for the peoples of India when the whole nation whether he was rich or poor, any VIP or the general public of the nation all possessed the landline.

 But post the launched of the mobile phone in 1995, a major revolution began in the telecommunication sector. The private companies lure the customers by offering free plans after every alternate day due to which majority of the peoples left their BSNL landline connection by transformed it with the private mobile connection.

However, those customers who still retain their BSNL landline connection due to its low call rates in comparison to private telecom companies and enjoying its free calls at overnight and at Sunday will now have to think for its chargeable call rate.

Because how long the Government will bear the loss for satisfying its customers when the private telecom companies always stand in competition about their new Plans and rates.

As a result in the current competitive arena, the BSNL company now become restricted with its free call plans because the Government will have to run its business successfully along with these private players.

 Notably

In the meanwhile for the development of telecommunication in few States, BSNL had sealed a deal with the ministry of law and justice for providing high-speed internet and cloud connectivity to as many as 900 subordinates and district courts in remote locations including majorly Jammu and Kashmir and Northeastern states.

WhatsApp Business app in India for Android – New Features

Finally, the WhatsApp Business app in India has now launched. It’s a complete Business linking, a promotional app for the extension of your business in a broadway with your customers directly by messaging platform. This solitary app making easier for small businesses to let them communicate with their clients and customers in an easy way.

WhatsApp Business app in India for Android

The WhatsApp Business app in India for Android is now available for free download via Google Play in India. You could not find the WhatsApp Business app now on the Apple App Store, meaning iOS users will have to wait a bit.The new app, for small businesses, arrived first in a handful of markets, including Indonesia, Italy, Mexico, the UK, and the US. The app was initially tested in India and Brazil ahead of its public release.

WhatsApp Business app in India aims at promoting, strengthening and simplifying the reach of small businesses without making hefty investments in website development, infrastructure related to customer support and more.

What is WhatsApp Business app?

WhatsApp Business app is meant for small businesses this might be of no use to you unless you own one. Say, if you run a small online boutique or garments shop or have a local grocery store or bakery or bookstore, then WhatsApp Business app can help you connect more efficiently with your customers. 

What new features of WhatsApp Business app in India launched?  

The new ‘WhatsApp Business’ features include ‘Business Profiles’, ‘Messaging Tools’, ‘Messaging Statistics’, ‘WhatsApp Web’ and ‘Account Type’. 

1. Business Profiles: Will help customers with useful information such as a business description, email or store addresses, website or any extra description of the business.

2.Messaging Tools: Allow business owners to set quick replies to ensure that they can quickly send answers to frequently asked questions (FAQs). There will also be greeting messages for customers and away messages as well when the owners are busy or during off hours.

3. Messaging Statistics: Business owners will also get to see messaging statistics and review what messages have been read and see what is working on the platform so that they can tweak the content of quick replies or their strategy of contacting their customers.

4.WhatsApp Web: There will also be the option of WhatsApp Web to send and receive messages with WhatsApp Business on the desktop.

5. Account Type: Finally, the account type will let users know if they are talking to a business as it will be listed as a Business Account means to ensure that the customers contacting them know that they are business owners.

WhatsApp pointed out that over the time business accounts will get ‘confirmed accounts’ after it is confirmed that the operator of the WhatsApp Business account is using the same number as the actual business contact number.

Will WhatsApp charge for this Business app? 

The WhatsApp Business app in India is free for all SMEs. The normal users can continue to use WhatsApp without change and there is no need to download anything new. Users have full control on the messages that they receive as they can block any number including the messages coming from a business account. Users can also report the messages from Business accounts as spam if they are spammy in nature.

How will this affect normal users?

 The present WhatsApp service is different from the WhatsApp Business service, which caters more to business owners. So you will have to verify and register your mobile number once again.

But since it is a separate service meant for different users, WhatsApp Business app in India will ask for a separate mobile number, one that is different from the one you use for your regular WhatsApp application.

For those who stuck with one mobile number can choose to move it to WhatsApp Business or simply use the second number for verification. WhatsApp warns that hitting ‘Continue’ will “move” and not share the number with its other service.

Terms of the service

In terms of some major similarities with the original WhatsApp, the WhatsApp Business app in India allows businesses to set privacy for their profile photo, about information, and status as well as lets them block any of their contacts and enable read receipts. The app also has a live location feature that helps companies share their live location with their clients and customers. It additionally allows businesses to make voice and video calls. Notably, the app offers end-to-end encryption for all the messages and calls it circulates to restrict any third-party access.

 Caution:-

 WhatsApp is free and has no ads for the service, so it will need to look at new ways of monetizing the app. Also, WhatsApp says, in countries like India and Brazil, over 80 percent of small businesses are using their app to connect with customers. You could not find the WhatsApp Business app now on the Apple App Store, meaning iOS users will have to wait a bit.

For those of you who prefer WhatsApp for sending pictures and good morning messages, then the current version of the app is good enough.

How Evion-Vitamin E benefits for men infertility?

The significance of Evion-Vitamin E for Infertility of men. Vitamin E increases blood flow and oxygen to your genitalia are greatest in improving the athletic ability for men. Evion-Vitamin E capsules could improve any kind of sexual dysfunction, including sperm motility problems, low sperm count, short penis issue or decreased sex drive.

Evion-Vitamin E benefits for men infertility

Vitamin E actually refers to a family of eight antioxidants, known as tocopherols, which protect the body against free radicals. In the body, it acts as an antioxidant, helping to protect cells from the damage caused by free radicals. Free radicals are compounds formed when our bodies convert the food we eat into energy. People are also exposed to free radicals in the environment from cigarette smoke, air pollution, and ultraviolet light from the sun.

Vitamin E is commonly recommended for men to help them fight fertility issues. Low levels of Vitamin E are usually found in men with fertility problems.So, by using a Vitamin E supplement – Evion men can increase their fertility.

The body needs vitamin E to boost its immune system so that it can fight off invading bacteria and viruses. It helps to widen blood vessels and keep blood from clotting within them. In addition, cells use vitamin E to interact with each other and to carry out many important functions.

Vitamin E benefits the skin by strengthening the capillary walls and improving moisture and elasticity, acting as a natural anti-aging nutrient within your body. Its powerful antioxidant helps decrease environmental damage to our hairs.

Vitamin E is found only in plant foods, including certain oils, nuts, grains, fruits and wheat germ. It’s also available as a supplement named Evion-Vitamin E capsules.

Top 11 Vitamin E Benefits…

1. Balances Cholesterol
2. Fights Free Radicals and Prevents Disease Development
3. Repairs Damaged Skin
4. Thickens hair
5. Balances Hormones
6. Helps PMS Symptoms
7. Improves Vision
8. Helps People with Alzheimer’s Disease
9. May Lower Cancer Risk and Improve Effects of Medical Treatments 10. Improves Physical Endurance and Muscle Strength.
11. Important During Pregnancy for Growth and Development

Vitamin E Rich Foods

Vitamin E-rich foods include sunflower seeds, fortified cereals, almonds, hazelnuts, spinach, kiwi, avocado, broccoli, tomato, mango and soybean oil. You may also take a Vitamin E supplement in the form of Evion tablets or capsules.

How much Vitamin E do You need?

The amount of vitamin E required varies with body size and amount of polyunsaturated fats in the diet. Vitamin E is needed to protect these fats from oxidation. More is needed when any refined oils, fried foods, or rancid oils are consumed.

Approximately 400-600 IUs is used preventively. For therapeutic effects, an amount between 800-1600 IUs daily is referred. With therapeutic uses of vitamin E, it is best to start with a low level and gradually increase it. Levels over 1,600 IUs per day are not recommended without medical supervision.

What Are the Benefits of Vitamin E for Infertility?

Evion-Vitamin E capsules aid us for various skin and hair improvements but today I share about the significance of Evion for Infertility of men. When men experience any kind of sexual dysfunction, including sperm motility problems, low sperm count, short penis or decreased sex drive, it can be embarrassing and frustrating for them.

There are many benefits of vitamin E for men. Vitamin E increases blood flow and oxygen to your genitalia are greatest in improving athletic ability. It also is a key player in the production of your sex hormones to give you that sex drive boost. It’s also an anti-aging antioxidant, which helps with your youthfulness and vitality.Vitamin E boosts male health by preventing free radical damage.

Evion 600 mg/day only improves zona binding in men with high levels of reactive oxygen species (ROS) generation in semen. Oral administration of vitamin E significantly improves the in vitro function of human spermatozoa as assessed by the zona binding test as per the study.

How Does Vitamin E Help Sperm?

Sperm development is a continuous and delicate process, and sperm cells are especially vulnerable to the damaging effects of free radicals. Antioxidants and vitamin E have been shown to be essential for sperm health, and several clinical studies show that men who consumed these micronutrients had improved sperm count and motility.

The health benefits of vitamin E for men involve vitamin E’s effect on sexual health. Sexual dysfunction can be many conditions besides IMPOTENCE. Two of these are low sperm count and low sperm motility, two unnoticeable deficiencies. When these conditions present together, it is very difficult for a man to father a child. Evion 400 mg once daily at bedtime for 1 month can increase the size of the small penis as per the study.

“The intake of Evion 400 mg every day improves sperm motility and sperm count.”

Evion 400 mg for Improved Sperm Motility

Sperm motility refers to the movement and swimming of sperm. Poor sperm motility means that the sperm does not swim properly, which can lead to male infertility. Taking vitamin E supplements or changing your diet to incorporate foods rich in vitamin E, like sunflower seeds, nuts, turnip greens and tomatoes, can help improve the quality of your sperm. Also, the intake of Evion 400 mg capsules improves in sperm motility is forever the best option.

Evion 400 mg for Increased Sperm Count

Having a low sperm count can decrease your fertility. This can happen for any number of reasons, from simple causes like aging and infections to more complication issues like tumors and chromosome defects which can lead to less risk of birth defects or miscarriage. The numbers are actually really good, showing that men who take Evion 400 mg capsules for even just a few months, can see up to a 10% increase in fertility, it helps in guarding your sperm against the damage from free radicals.

Evion 400 mg for Boosted Libido

Incorporating more vitamin E into your daily diet may help increase your sex drive. Eating foods with vitamin E help raise the testosterone levels in your body. Without enough testosterone in your body, your sexual stamina and sexual interest may wane. The intake of Evion 400 mg helps to boost your depressed sex drive that may result from hormonal imbalances.

Vitamin E deficiency

Vitamin E deficiency is rare, but there are some conditions in which low levels are common:
Celiac disease
Cystic Fibrosis
Premature infants
Sickle cell anemia and similar red blood cell disorders
Fibrocystic breast disease

Vitamin E side effects

Get emergency medical help if you have any of these signs of an allergic reaction to vitamin E: hives; difficult breathing; swelling of your face, lips, tongue, or throat.
Stop taking vitamin E and call your doctor at once if you have:
headache, dizziness, vision changes;
easy bruising or bleeding (nosebleeds, bleeding gums).
a light-headed feeling, like you, might pass out;
unusual weakness or tired feeling;
diarrhea, stomach cramps; or
Common vitamin E side effects may include:
nausea, tired feeling, headache or mild rash.

Evion-Vitamin E Capsules for General Health

Take the Evion-Vitamin E capsules as supplements. Taking one capsule daily is enough for improving your skin and hair in a holistic way. Take them for 15 days daily. Your skin will glow and become smoother. And obviously, your hair will become healthy and silky.

Caution

Evion-Vitamin E capsules are forever the best option for enhancing vitamin E in your body as regular supplements, it is safe and has no side effects as per the medical study, but before taking any medicine medical supervision is recommended.

Instagram testing two type features for stories and screenshot alert

To share your stories and images on social media -Instagram plays a vital role. Instagram testing two type features for stories and screenshot alert– one was the new ‘Type’ feature for Stories that puts the emphasis on written stories and the other being the screenshot alert for Stories that could notify users when someone takes the screenshot of their Stories. 

Instagram’s Stories are one of the most popular ways to share content on social media, but sometimes images and videos just aren’t as effective as plain old text. 

Instagram testing two type features for stories and screenshot alert

Instagram testing two type features for stories and screenshot alert

The feature for Stories which is one among the Instagram testing two type features for stories and screenshot alert, shows up as another option at the bottom of the Stories camera, next to Boomerang and Rewind icon, for text status. You can select several fonts, and Instagram automatically selects a plain background or gradient. Alternatively, you can even select photos of your choice to use as a background, though Instagram will apply a filter to it in order to emphasize your text.

How did the new feature inform you about the last time the user was online?

 Instagram is continuing on with updating the platform to continue to provide users (and marketers) a better experience than ever before.

With this new feature, users can check out the online status for people that they were conversing with on direct messages. Noted, the feature works even if the person is not following your account. 

How it works similar to the ‘Last Seen’ feature on WhatsApp & Facebook Messenger?

Instagram’s text-only feature apparently similar to ‘Last Seen’ on WhatsApp and Facebook Messenger. It can be approached by going into the Instagram Direct messages section of the app. It shows the last time stamp when the user was online on the app, it has options like ‘Active now’, ‘Active today’, ‘Active 1h ago’, ‘Active 24m ago’ etc. To change the visibility of your Active status, users will need to go to ‘Settings’ via the three-dot menu in the app and toggle the ‘Show Activity Status’ feature. The feature is currently being tested with a few select users on both Android and iOS.

 How Instagram’s security feature act?

It will alert you by sending a notification when someone takes a screenshot of your Story –a screenshot alert. Previously the company supported notifications for the screenshot of direct messages, but this is the first time it applies to stories. Every time someone takes a screenshot of your Instagram Story you will be notified. However, Instagram will apparently be a little lenient, with letting you off with a warning the first time, and the next time it would send an alert.

Best Personal Loan Interest Rate January 2018

Personal loans are one of the best types of loans which will come in handy when we need the money urgently. However, it does not mean we go for any types of personal loan. Hence, let us see which bank offers us the Best Personal Loan Interest rate January 2018.

This is our monthly publishing post. Hence, repeating the same information about personal loan features, eligibility, and why one must go for this. This may help the new readers before they jump into the trap called PERSONAL LOAN.

There are two kinds of interest rates like fixed and variable or floating. You can choose which type of interest preferable to you based on your loan amount.

The fixed rate personal loan is where the rate of interest is locked throughout the life of the personal loan, this cannot be changed at any time even if the rate falls or goes up over the coming years.

The variable rate personal loan is opposite to it, where the rate is subject to market volatility. If the interest rate in the market falls, you will have to just pay the reduced rates and vice versa.

The fixed rate is a kind of hedging of market volatility; variable rates are helpful if you are expecting the interest rate in the market will fall.

What affects your personal loan interest rate?

  • Income Level: The rate is totally dependent on the income level and the company where you are working. This information is compared with the loan amount and they will gauge if you are capable to repay the loan without defaulting. According to the risk involved in your repayment strategy, the interest rate varies.
  • Loan Tenure: Usually shorter the loan in the higher the interest rate will be and vice versa. EMIs are regular and fixed return for lending banks, thus when the return is for long period the rate will decrease respectively.
  • Credit Rating of the Individual: Financial institutes conduct CIBIL check to understand the creditworthiness of the borrowers. In case of any default payment records, huge outstanding loan, fraudulent track records, banks has every right to cancel the loan or charge a higher interest rate. Hence, it is very much important to keep the good track record of your credit score and repay your dues timely.

Fees and Charges Applicable to Personal Loan

There are different ways of charging by each bank. However, when you notice about charges, you will find these three common types of charges.

  • Processing Fee: This is the non-refundable processing fee; this will be different depending on the loan particulars and bank’s policies.
  • Part Payment/ Part Pre-Payment Charges: When you pre-pay loan or part of principal payable by you, automatically banks lose some income because of this. Hence, they charge for this. You have to cross check this charges also.
  • Payment Delay Charges: An additional charge is levied by every bank on the outstanding amount that is not repaid within the specific date. It is essential to make sure payment/ EMIs are processed within the deadline to avoid these charges.

Best Personal Loan Interest Rate January 2018

Now let us discuss about the best personal loan interest rate January 2018. I tried my best to provide you the complete picture and comparative table. However, I suggest you to cross check with the bank before proceeding further.

Best Personal Loan Interest Rate January 2018

Hope this information is useful for you to take an informed decision while going for a personal loan.

Refer our December month post on the same subject:-

Best Personal Loan Interest Rate December 2017

What is illegal relationship’s demand?

It’s not compulsory that human being’s all sin act is done in their unawareness. Many illicit acts say, the illegal relationship we perform in our lives with our full awareness of knowledge but still, we like to tag them as our unawareness deeds because we want to escape from the Supreme Almighty’s Court of Justice for the sake of our forgiveness of those committed SIN acts.

illegal relationship

Ryno standing in the confessional box of the Church confessing his sins in front of the priest and receive absolution from the guilt of his sins.

What makes him a sinner?

Ryno in his whispered voice confessing his sin I fucked my best friend’s wife. I have been best friends with this man throughout my entire life. He is still closer to me than any family member. Many years later I still feel bad about that illegal relationship which what I did……..”

A few years back ………

Peter, 40 years old, an established businessman running happily and successfully both his business and 7 years marital life with his gorgeous wife Filona and kid.

Peter often throw parties in his home with his business associates cum friends. One night they had invited Ryno his childhood best friend to dinner at their house. Tall handsome bachelor Ryno was out of the country for a couple of years due to his IT profession and just back from abroad a few days ago. Ryno couldn’t attend his best friend’s marriage as he switched off from the country during that time due to his job. So Peter was eager to introduce his wife and kid with his best friend.

 Finally, they unite after a long time, Ryno gets amazed when Peter introduced gorgeous Filona with him because of Peter, since his college days, was extremely unfit when it comes to women then how come he elected a lingerie model as his wife.

Nevertheless, Peter won the jackpot. But after seven years of marriage, they were on the rocks for reasons that gave another blow to Ryno.

Peter and Ryno were sipping cocktails in the living room and the talk turned to favorite movies. The couple spoke of a movie they loved, something which Ryno had never heard of and now forget, and Peter offered to lend it to Ryno. Ryno shrugged and agreed to watch it and at that moment their sleeping baby began to cry from upstairs.

The couple looked at each other, the infant was their last resort to keep the marriage together. It’s always a mistake to bring a child into the world as an option against divorce.

 Peter told “I’ll go check on her, she probably needs changing. You get him the movie.” And he got up to go upstairs.

 What happened afterward?

Ryno and Filona went down to the TV room in the finished basement to find the movie CD. He was standing behind her while she stood in front of a bookshelf of CDs. He was looking at her body, not the CDs. Hardly had he intended any kind of negative action with her, she was off limits and it was never an issue.

But now, even after seven years of marriage and a child, Filona’s former model body was still lissom and tight and she wore a gauzy top with lacy cuts at the midriff that showed her belly. And then she reached up to get the CD from the top shelf.

His erupted organ now made him bold and shameless that without thinking his hands went around her blouse and he clenched her breasts and began to fondle her.

Ryno: “My ears were burning with shame, and I suddenly felt suppressed lust, embarrassment, expectancy, and the notion of a slap and bitter words for that illegal act.”

But all she said was, ‘Oh!’ as I massaged her breasts from behind. I could feel her nipples hardening in her bra. And then she found the CD she wanted on the top shelf and pulled it down.”

When desires overcome all limits?

She turned to the CD and Ryno noticed her eyes were unfocused and dazed. She put the CD on a small table and whispered, “Hurry,” and walked over to the lounger in front of the TV.

 “She undid her jeans and pushed them down and leaned down on the arm of the recliner. “Hurry!,” she whispered in a husky voice, more insistently.

Ryno: “Now my heart was racing. I could still turn and run up the stairs but I didn’t. Without thinking I undid my belt and pulled my pants down and found myself ready for that illegal relationship.”

  “I saw her perfect naked ass raised for me, her head down on her arms, her hair obscuring her face. I took advantage. It was quick. The excitement, the anticipation, the unexpected lust, the danger all contributed to making it incredibly satisfying as were her soft grunts. She pulled her jeans up over the wetness, ignoring it. I pulled myself together. The entire episode hadn’t taken three minutes I would guess. She grabbed the CD and bounded up the stairs and I followed.”

When Peter came downstairs the CD was on the coffee table. He went to the kitchen sink to wash his hands and the conversation picked up where it left off.

When guilt made him down?

Ryno: “There were no significant glances between Filona and myself but I felt evil, dirty, guilty, and like a conspirator for that illegal relationship. I never had any secrets with my friend before he even knew my PIN. Now, this was a huge block. When I drove home that night all I could think of was what I had done.

  It was so wrong and yet it felt so fucking good the entire short time. I had rarely felt so fully satisfied. It was all I could think of for the next few days.”

 Post few days, Filona called him for the meet. They have to talk, as he also expecting her call so, he agreed to meet at a coffee place near her house.

Rony: (on his way) “As I drove to the coffee shop my heart was in my throat thinking she was going to say, ‘I’m pregnant,’ though I knew it was too soon for her to know.”

 When he got there, she was sitting at a table with coffee for both of them. He sat down in silence. It was awkward as hell.

Filona: “I’ve never done anything like that before.”

She didn’t need to explain, he knew what she meant so said nothing to her.

Filona: “That was incredibly wrong of us”

Ryno: I felt like shit for our illegal relationship.

 She put her hand on him to make a point and leaned over. His naughty acts was aroused to pounce her

Ryno: “I stretched out with my finger and stroked her breast. She looked me in the eyes and pursed her lips.”

Filona then grabbed his hand and dragged him out of the shop to her car where they fucked in the parking lot of Starbucks.

  After it was over, while dressing up, panting, she just said, “We’re getting a divorce.”

 continue……..In the confessional box of church

Ryno’s confession to the priest…

Years passed by but as their marriage disintegrated into a vicious and acrimonious divorce I was engaged in the most satisfying sexual adventure of my life. That illegal relationship lasted for two years, always in secret. No one knew I think. At least, it never got back to me.

Many years later when we would meet by chance at a party or event she would look me in the eye and we would sneak off to a hotel or to her car for a quickie and then return. It didn’t even matter if she or I were with some other partner. We had the chemistry.

 It was wrong, so incredibly unforgivably wrong on every level of an illegal relationship. And I regret it felt like a colluder. Eventually, she moved far away. We haven’t seen each other in years.”

Never judge people on the choices they make. You never know what they had to choose from. Be a little more compassionate.”

How UIDAI protect Aadhar privacy by ‘Virtual ID & Limited KYC’?

Do you really worried about the safety of your sensitive, personal information of Aadhaar data? Unique Identification Authority of India (UIDAI) has come up with a solution termed Virtual ID, in an attempt to eliminate possibilities of such data breach and misuse. 

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This significant attempt has been taken out by UIDAI in regards to the safety of the citizens of the country. The Unique Identification Authority of India (UIDAI) has introduced two new features Virtual ID and limited KYC (Know Your Customer) to limit the use of the 12-digit code for strengthening the privacy and security of Aadhaar number holders, which Aadhaar cardholders can generate from its website and use for various purposes, including SIM verification, instead of sharing the actual 12-digit biometric ID.

Vital facts about Aadhaar Virtual IDs

How to create Virtual ID?

  • The Virtual ID will end the need to share user’s Aadhaar number at the time of authentication. The ‘Virtual ID’, which would be a random 16-digit number, together with the biometrics of the user, would give any authorized agency like a mobile company, limited details like name, address, and photograph, which are enough for any verification.
  • The ID can be generated as many time as possible.
  • The older ID gets automatically canceled once a fresh one is generated.
  • Users can go to the UIDAI website to generate their virtual ID which will be valid for a defined period of time, or till the user decides to change it.
  •  This ID will be used to authenticate Aadhaar users through a new authentication method that UIDAI is calling Limited KYC.

How ‘Limited KYC’ acts?

  • The UIDAI has also introduced ‘limited KYC’, under which it will only provide need-based or limited details of a user to an authorized agency that is providing a particular service like telecom operators.
  • Limited KYC will allow agencies to do their own paperless KYC process without access to the Aadhaar number. This will eliminate agencies storing the Aadhaar numbers of users in their databases.
  • The ‘Virtual ID’ will be a temporary and revocable number mapped to a person’s Aadhaar number and the Aadhaar-issuing body will start accepting it from March 1, 2018.

Only users can generate ID

  • As per the UIDAI, agencies that undertake authentication would not be allowed to generate the ‘Virtual ID’ on behalf of the Aadhaar holder.
  • The UIDAI is instructing all agencies using its authentication and eKYC services to ensure Aadhaar holders can provide the ‘Virtual ID’ instead of Aadhaar number within their application.
  • As many as 119 crores biometric identifiers have been issued so far and Aadhaar is required as an identity proof by various government and non-government entities.

 For instance, the government has made it mandatory for verifying bank account and PAN to weed out black money and bring unaccounted wealth to book. The same for SIM has been mandated to establish the identity of mobile phone users.

Caution

From June 1, 2018, it will be compulsory for all agencies that undertake authentication to accept the ‘Virtual IDs’ from the users.

Agencies that do not migrate to the new system to offer this additional option to their users by the stipulated deadline will face financial disincentives. 

 

 

How to post your Instagram Stories directly on WhatsApp?

You can Soon post Instagram Stories directly on WhatsApp!

Do you love Instagram Stories, WhatsApp Status, and Facebook Stories too? You would be happy to know that an Instagram story can be shared on WhatsApp and Facebook too.

Facebook-owned popular image and video sharing platform, Instagram might soon allow users to post their Instagram ‘Stories’ directly as a WhatsApp Status. Facebook CEO Mark Zuckerberg has announced that ‘Instagram’ Stories’ and ‘WhatsApp Status’ both now have 300 million daily active users.

The features, which are the clones of rival app Snapchat, now boast numbers almost twice the size of Snapchat that has 173 million daily active users. Facebook is currently testing the feature for sharing Instagram Story on WhatsApp.

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 Facebook introduced new feature

Recently, Facebook created another feature to help you discover photos uploaded by friend and family who may have forgotten to tag you. The social media giant is basically using facial recognition technology to help you find photos you’re not tagged in. This feature also helps you know when others might be using your image as their profile picture.

How to share Insta Stories on WhatsApp?

 You can share Instagram Stories that has improved pictures, GIFs, and videos on WhatsApp without worrying about encryption. The feature would allow users to post photos, GIFs, and videos enhanced with emojis and stickers.

 Instagrammers would see an option to share Stories to WhatsApp on the Instagram sharing screen. They need to click “send” to post their Stories.

The Stories shared as WhatsApp Status will appear on the status bar and disappear after 24 hours. Like other messages on WhatsApp, the Instagram Story that you will share will be encrypted too.

Instagram launched a new feature

Recently, the photo-sharing app Instagram introduced a new feature which enables users to follow Hashtags, following a hashtag is just like a following a friend, just search for a topic that fascinates you and taps any hashtag that is visible, and on top of the results page, you will see a follow button.

According to Instagram, the feature makes it easier for users to discover photos, videos and people on its platform. If you follow a specific hashtag, you will see relevant posts from the same hashtag in your feed and the Stories bar. Users can also unfollow these hashtags if they don’t find them relevant anymore.

You will also be able to see all the hashtags your friends follow just like how you can see which accounts they follow. However, Instagram reassures us that you can change your privacy settings to make sure only your followers are able to see those lists.

Instagram Stories can also be shared on Facebook

 The Instagram story can be shared on Facebook too. However, the feature currently is only available to Instagram users in the US.

Why Facebook creating this?

 With this new feature, Facebook is trying to expand Instagram Stories and WhatsApp Status user bases and enhance customer experience.

Facebook CEO Mark Zuckerberg said Instagram Stories has 300mn daily active users (DAUs).

The feature would help Stories generate more traffic, especially in markets where WhatsApp is more popular.It would help increase the usage of WhatsApp Status feature, which also has over 300mn DAUs.

Caution

The official launch of the feature would happen soon, no timeline has been revealed. As of now, Facebook is only testing this feature with a few users. There is no word from the company about when it will be rolled out to all its users.