Snakebite kills 58000 persons per year in India: Study

A new study by the Centre for Global Health Research (CGHR) at the University of Toronto, Canada, with Indian and UK partners reports a staggering 1.2 million snakebite deaths in India over a 20 years period from 2000-2019, an average of 58000 deaths per year.

Published in eLife journal on 7 July, 2020, the nationally representative mortality study on snakebite deaths in India from 2000-2019 holds that the number of snakebite deaths over the past two decades far exceeds previous estimates.

(The Million Death study (MDS) published in 2011 had estimated 46000 snakebite deaths annually)

The new study expands the results of the 2011 study by adding 11 more years of field data from the MDS covering 600,000 randomly selected deaths, and a systematic review of 78 Indian snakebite studies.

It reports that 70% of these deaths occurred in limited low altitude, rural areas of eight states – Bihar, Jharkhand, Madhya Pradesh, Odisha, Uttar Pradesh, Andhra Pradesh (including Telangana), Rajasthan and Gujarat. In these high-burden states, the age-standardized death rate was about six per 100,000.

Snakebite death rates generally rose over time in most high-burden states, particularly in Bihar, but fell in Andhra Pradesh.

The study points that half of all deaths occurred during the monsoon period from June to September.

“The available data indicated that most envenomations were due to Russell’s vipers (43.2 per cent) followed by kraits (17.7 per cent) and cobras (11.7 per cent),” the study revealed.

Of the 1.2 million snakebite deaths in two decades, 602000 occurred among males and 5,65,000 among females. With both sexes combined, 28 per cent deaths due to snakebite were among children below 15 years, 17 per cent among adults aged 15-29 years, while 47 per cent of the deaths occurred in the age group of 30-69 years.

Senior author Professor Prabhat Jha, Director of CGHR at Unity Health Toronto said the study directly quantified and identified the populations most affected by fatal snakebites in India.

Bites by venomous snakes are acute medical emergencies, killing by shock, paralysis, haemorrhage or acute kidney injury, and injuring by inflicting gangrene. However, the risk of bites can be reduced through community education, while most deaths and serious consequences are preventable by timely access to safe and effective antivenoms.

The study recommends that the Government of India designate and enforce snakebite as a ‘Notifiable Disease’ within the Integrated Disease Surveillance Program (IDSP).

“The GoI’s official declaration of snakebite deaths in public hospitals during the period 2003 to 2015 was only 15,500, one tenth of the 154,000 snakebite deaths detected during this same period by MDS from public and private hospitals. We have to have accurate data for strategies to reduce snakebite.”

Another author, Romulus Whitaker (Padma Shree awardee) at the Centre for Herpetology/Madras Crocodile Bank said since snakebite deaths are restricted mainly to lower altitude, intensely agricultural areas, during a single season of each year, this should make the annual epidemics easier to manage. “India’s tremendous snakebite burden is staring us in the face and we need to act now.”

The study said targeting certain areas with education about simple methods, such as ‘snake-safe’ harvest practices, wearing rubber boots and gloves and using rechargeable torches (or mobile phone flashlights), could reduce the risk of snakebites. Mass distribution of mosquito nets (which also protect against scorpion sting and mosquito-borne and sand fly-borne diseases) may also help.

It calls for improved knowledge of the distribution of venomous snake species as well as the human consequences of bites. The current Indian antivenoms neutralize venom from only spectacled cobra (there are three other Indian cobra species), common krait (there are seven other krait species), Russell’s viper and saw-scaled viper. At least 12 other species that are not covered by current antivenoms are known to have caused fatal bites in India.

“Achieving this will however be a challenge for India, where half of the world’s total snakebite deaths occur,” said author Professor David Warrell, one of the world’s leading figures in tropical medicine in the UK.

source:msn

Soa Technology

New TDS rules: How much tax is deducted for making cash withdrawals from bank

  • If you have been withdrawing large sums of cash from your bank then you may have to pay a higher rate of TDS now
  • The income tax department has changed TDS rules from July 2020

NEW DELHI : To discourage cash transactions and increase tax compliance, the income tax department has changed TDS rules for making cash withdrawals from banks and post offices from this month. So far, you were supposed to pay a TDS (tax deducted at source) of 2% on cash withdrawals exceeding ₹1 crore in a year. With effect from 1 July 2020, the TDS net has been widened further.

For high-value cash transactions totalling over ₹20 lakh in a given financial year, the TDS rate is directly dependent on whether you have filed your income tax returns (ITR) for the last three years or not.

TDS rules for those who have filed ITR for last 3 years:

In the Union Budget 2019, the government had introduced new Section 194N in the Income Tax Act under which TDS on cash withdrawals over and above ₹1 crore is imposed. Banks, co-operative banks and post offices fall under its purview.

“For example, if a person withdraws ₹99 lakh in the aggregate in the financial year and in the next withdrawal, an amount of ₹1,50,000 is withdrawn, the TDS liability is only on the excess amount of ₹50,000,” explains ClearTax in a note on the TDS rule.

However, for those whose PAN (Permanent Account Number) is not updated in the bank’s records, then a much higher TDS of 20% is deducted under Section 206AA of the Income Tax Act.

If you have submitted PAN and have also filed ITR for last three years, then no TDS is charged for aggregate cash withdrawals of less than ₹1 crore.

Your bank may ask you to submit ITR-V (acknowledgement of filing of ITR) of last three years as proof. Alternatively, you can also request the bank to verify TDS rate directly on the income tax department’s e-filing portal where a tool to determine TDS rate under Section 194N has been enabled.

TDS rules for those who have not filed ITR:

If you have not filed ITR for three years immediately preceding this year, then the rate of TDS deduction increases.

For cash withdrawals upto ₹20 lakh: No TDS

For cash withdrawals of ₹20 lakh- ₹1 crore: TDS at the rate of 2%

For cash withdrawals exceeding ₹1 crore: TDS at the rate of 5%

Although the new TDS rule came into force from July 1, the cash withdrawal limit for this financial year will be considered from April 1, 2020.

DECLARATIONS FOR AVAILING TDS EXEMPTION ON CASH WITHDRAWALS.

Dear Customer,

Thank you for banking with YES BANK.

As per the provisions of Income Tax Act, Banks are required to deduct TDS @ 2% from the aggregate cash withdrawals exceeding INR 1 Crore made during a Financial Year, from one or more accounts, maintained by a customer under the same PAN.

As per amendments made in the Section 194N, vide Finance bill, 2020, passed on 21st March 2020, TDS will be deducted as below –

@ 2% from the aggregate cash withdrawals exceeding INR 20 lacs and @ 5% from the aggregate cash withdrawals exceeding INR 1 crore in case the customer has not filed his Income Tax returns for three Assessment Years relevant to 3 Previous Years immediately preceding the previous year in which the payment of the sum is made to him. This amendment is effective from 01st July’2020.
@20% from the aggregate cash withdrawals exceeding INR 20 lacs, in case the PAN number is not updated in the account.

In case you wish to claim exemption from Tax Deduction at Source (TDS) on aggregate cash withdrawals in excess of INR 20 lacs in a Financial Year, you are requested to submit the TDS Exemption form in the format provided in the links given below.

Form applicable for FFMC
Form applicable for APMC

If you are not entitled to any exemption as above, you are required to submit a declaration confirming filing of Income tax returns in the format given in the below link.

Form applicable for ITR compliant

If we do not receive the TDS Exemption form along with supporting documents /Declaration, you will not be entitled for any exemption and TDS will be deducted as per provision of Section 194N of the Income Tax Act, 1961.

Hence, we request you to kindly visit your nearest YES BANK branch at the earliest and submit the duly filled and signed TDS Exemption/Declaration form, available at our branches for the Financial Year beginning on 1st April 2020.

Also, kindly note that the TDS Exemption / Declaration form submitted will be valid for ONE Financial Year only. In order to claim the benefit in the subsequent Financial Years, a fresh declaration will have to be submitted for each Financial Year separately failing which the Bank shall deduct TDS at applicable rates.

For further assistance, please contact your Relationship Manager or visit nearest YES BANK branch.

Warm Regards,
YES BANK LTD

Terms & conditions apply.

Email : adityaypi@yahoo.com, Mobile : +91-9555699081

Soa Technology

Buffett biggest loser among billionaires in 2020, sceptics cast doubts over his methods

All is not going well for Warren Buffett!

Despite a 40 per cent rally in US markets, where the legendary investor has most of the investments, Buffett is still the biggest loser for Calendar 2020 among the world’s biggest billionaires.

As per Bloomberg Billionaires Index, the wealth of Warren Buffett, Chairman of Berkshire Hathaway, has shrunk by about $19 billion (approximately Rs 1.4 lakh crore) this year. But he still remains the sixth richest person in the world with a net worth of $70.4 billion.

However, the blip in his fortunes may not matter to the Oracle of Omaha. But the sharp drop in his wealth and a number of his recent decisions that did not go his way have made a few of his followers and market analysts cast doubt over his strategy.

“Warren Buffett is no longer the icon that he was. In fact, he was most bearish and still is and he has missed the greatest rally in history. I will make no bones about it,” Sanjiv Bhasin, Executive Vice-President at IIFL Securities, said in an interview with ETNow.

Buffett has been a champion of value investing and encourages people to buy and hold stocks forever.

However, he himself was forced to offload a number of his big investments in the first quarter of this financial year, when the market was in a free fall.

Berkshire Hathaway sold its entire stakes in the four largest US airlines, as coronavirus stalled travel demand. Berkshire was among the largest investors in the four — American, Delta, Southwest and United.

Berkshire posted a net loss of close to $50 billion in the first three months of the year.

Ambareesh Baliga, an independent market expert who has worked with Karvy and Kotak Group in the past, said the investment strategy of holding a stock forever is outdated.

“Earlier, things changed over a couple of decades. Now the speed of change has quickened. Sectors or businesses that look good today may be outdated in less than a decade. So you cannot hold a stock forever and have to monitor it regularly to take a call,” Baliga told ETMarkets.com.

Berkshire owns all of Precision Castparts Corp, a supplier of aerospace parts that’s bracing for lean times as companies making jets are cutting production. Berkshire bought Precision Castparts in 2016 in a transaction valued at $37.2 billion, making it one of Buffett’s biggest deals.

The market’s focus is now more on growth stocks, felt some analysts. They cited the examples of stocks like Tesla, which has grown nearly three-fold in last six months even though it has never reported a profit. The company recently became the world’s most valuable carmaker.

Gaurav Sud, an IITian-turned-value investor who claims to have made money by investing in shares like Unitech and Ashiana, agreed with Baliga that trends are changing fast and holding a stock forever may not be a viable option.

“Buffett did not buy anything during the March meltdown. He likes to negotiate deals to his likings and perhaps there wasn’t much time for that. That was a missed opportunity for him,” Sud, Managing Partner at Kanav Capital, said.

Sud said Buffett’s style of betting on brands, for example Kraft Heinz, is being questioned now. “The biggest advantage with brands is customer recall and distribution. With e-commerce, distribution is no longer a factor and even a startup can compete with an established brand in that space,” he said.

Investors who follow Buffett’s style of investing also feel that the Oracle of Omaha may have become conservative in his bets due to his age. He is 89 now.

“Amid the circle, many people are saying given his age he doesn’t want to take risks. Wealth preservation for him is more important than wealth creation,” Sud said.

However, not everyone on Dalal Street has given up on the octogenarian investor. Nilesh Shah, Managing Director of Kotak AMC, said: “Even (Sachin) Tendulkar will get out on zero once in a while. That does not make him a bad cricketer. Warren Buffett is Warren Buffett, and I don’t think we would be able to say his strategy has not worked.”

Shah attributed the recent under-performance in Buffett portfolio to his disinterest in buying innovation-led businesses.

“In some sense, Buffett is all about businesses that are producing cash flows. In a world that is full of liquidity, many businesses have generated value based on innovation. He owns very few innovation-led companies. For example, he is a friend of Bill Gates, but he has never owned Microsoft. He did buy IBM and Apple, but they were insignificant given his portfolio weight. The world has given value to innovation, which Buffett probably missed out, as they were not generating cash flows in the initial years. For Buffett, probably return on equity is more important than burning capital to create value.”

source:economictimes

The self education industry is a $355 Million per day industry and is expected to TRIPLE in the next 5 years

The self education industry is a $355 Million per day industry and is expected to TRIPLE in the next 5 years! And with the right strategy this could be your opportunity to: Get in early before it is oversaturated.

Help others go faster while you get paid Fix a broken system Make an impact on the world Get paid for a skill, hobby, passion or expertise you already have (or get paid from someone else’s) And Tony Robbins, Russell Brunson and Dean Graziosi are finally going to show YOU how to take advantage of it… (Now if you don’t already know who these 3 guys are then you’ll want to listen up!! They’ve impacted millions of lives and have generated billions of dollars) Look, if you’ve ever thought about (or even if you never thought about) getting paid for something you know (like a passion or a skill)… or even getting paid from what others know, then you have to attend. This is one of the fastest growing industries online and in all areas of the world. And for the first time ever they’re doing a webclass training on how to extract your wisdom (or somebody else’s) and get other people to pay you for it! You can save your spot here (and when you do register, you’re immediately going to get a brand new, never before seen training from Tony and Dean. No one else will ever get a chance to see this rare training except for us). soatechnology.net After hearing what they’re teaching, I truly believe this is the #1 way to make a massive income, make a massive impact on the world and leave a legacy! And here’s just a fraction of what you’ll learn this week: The mostly hidden $129 Billion dollar market and how you can make a massive impact and leave a legacy by profiting from it. The KBB Triangle: The 3 ways to profit (whether you’re an expert with a thriving business, just getting started, or even if you’re at complete rock bottom) The framework to profit from what you (or someone else) already knows – or by creating community and bringing people together. Plus you’ll even be able to ask them questions when they do Q&A at the end of the training. (Chat is limited so show up early).

There’s no other time where you’re going to have this opportunity. So BE THERE! Because if you’re not going to make a shift in your life now, then when? And if not with these guys, then let me ask with who? This is your rare chance to learn from 3 people who started from nothing and went on to generate billions of dollars and build massive companies. Spots are filling up faster than they ever have, so you need to hurry and go here to save your spot https://soatechnology.net Register now and I’ll see you there this week – Plus they did a few brand new “pre-event” trainings that only those who register get access to. Talk soon

Soa Technology

Google Pay Is Not Banned, but Is Authorised and Protected by Law, NPCI Clarifies

Google Pay is not banned in India, clarified the National Payments Corporation of India (NPCI). The NPCI is an umbrella organisation that operates digital payments in India, and developed the Unified Payments Interface (UPI) which is used for payments by platforms like Google Pay, PhonePe, and Paytm. On social media, there is a trending hashtag “GPayBanned By RBI”, accompanied by news that the Reserve Bank said that Google Pay was not a payments system operator. However, soon after this began to circulate, the NPCI has issued a statement confirming that Google Pay is authorised and secure.

In its clarification, the NPCI clearly writes that the RBI authorised it as a Payments System Operator (PSO). Companies like Google Pay are app providers to the PSO, and NPCI confirmed that transactions on Google Pay are fully protected under the law. It states: “RBI has authorised NPCI as a Payment System Operator (PSO) of UPI and NPCI in its capacity as PSO authorises all UPI participants. We would like to clarify that Google Pay is classified as Third Party App Provider (TPAP) that also provides UPI payment services like many others, working through banking partners and operating under the UPI framework of NPCI. All transactions made using any of the authorized TPAPs are fully protected by the redressal processes.”

Although the clarification was issued by the NPCI on Thursday, the hashtag along with the news link about the RBI continues to circulate and has become a trending topic on Twitter.

The RBI had been making a statement in the Delhi High Court in response to a PIL by financial economist Abhijit Mishra who has alleged that Google Pay enabled financial transactions without the authorisation from the RBI.

In response, the RBI reportedly stated the Google Pay does not operate any payment systems, and that is why its name is not in the list of authorised operators. It also told the Court that for this reason, it is not in violation of the law — however, the trending hashtag ignores this line in the report that’s frequently included with it — and so even before the NPCI issued its clarification, this hashtag was misleading.

The NPCI concluded its clarification by saying: “All transactions made using any of the authorized TPAPs are fully protected by the redressal processes laid out by applicable guidelines of NPCI/RBI and customers already have full access to the same. Further, we would also like to clarify that all authorised TPAP’s are already bound by full compliance to all the regulations and applicable laws in India. UPI ecosystem is fully safe and secure, and we appeal to the citizens not to fall prey to such malicious news. We also request UPI customers not to share their OTP (one time password) and UPI Pin with anybody.”

Source:- gadgets

SBI ATM withdrawal rules to change from 1st July

Bank ATM cash withdrawal rules are going to change from 1st July. This is because norms that were relaxed during lockdown are going to be tightened – the deadline is 30th June 2020.

If there is no extension announced, then the old ATM withdrawal rules will get reinstated. So, it will be better to say that the old rules are going to be implemented again.
Different banks have different ATM withdrawal rules. So, bank customers are advised to contact their home branch bank customer care number and find out the rules in this regard.
Since, State Bank of India or SBI is the largest Indian commercial bank, here we explain how ATM withdrawal rules will change for account holders from 1st July 2020. As per the information available on the official website of the SBI — sbi.co.in, in metro cities, SBI allows 8 free transactions to its regular savings account holders to transact in a month. Beyond this, customers are charged on each transaction. These include free transactions from 5 SBI ATMs and 3 ATMs of any other bank. Non-metro cities get 10 free ATM transactions, in which 5-5 transactions can be made from SBI and other banks. It then levies Rs 20 + GST for cash transactions and Rs 8 + GST for non-cash transactions.

Soa Technology

यूपी बोर्ड: 12वीं पास माता-पिता की बेटी को 10वीं की परीक्षा में मिले 96.67 परसेंट

यूपी बोर्ड की दसवीं की परीक्षा में इस साल उत्तर प्रदेश के बाग़पत के बड़ौत की रहने वाली रिया जैन ने टॉप किया है.

उन्होंने परीक्षा में 600 में से 580 अंक यानी 96.67 प्रतिशत अंक प्राप्त किए हैं.

रिया की मां कविता कहती हैं, “हम टीवी देख रहे थे. जब परीक्षा परिणामों की घोषणा हुई तो रिया का नाम स्क्रीन पर लिखा आया. हमें भरोसा नहीं हुआ तो हमने सोचा कि रिया जैन तो बहुत होंगी, पहले पिता का नाम और आने दो. इतने में जब पिता का नाम भारत भूषण लिखा आया तो समझ गए कि हमारी बेटी ने उत्तर प्रदेश टॉप किया है.”

कविता आगे कहती हैं, “मैं और रिया के पापा खड़े हो गए और ज़ोर-ज़ोर से तालियां बजाने लगे. हमें ये तो भरोसा था कि रिया ज़िला या मंडल टॉप कर सकती है, लेकिन पूरा प्रदेश टॉप करेगी, ये दिमाग़ में नहीं था.”

रिया चार बहन भाई हैं. भारतभूषण माता की चुन्नी बनाने का काम करते हैं जबकि घर मे कुछ खेती बाड़ी भी होती है. रिया की बड़ी बहन श्वेता ने भी 12वीं कक्षा प्रथम श्रेणी से पास की थी.

श्वेता छोटी बहन रिया के बारे में बताती है, “उसे तो जब देखो बस पढ़ना ही है. घरवाले मुझे पढ़ने की नसीहत देते हैं तो रिया को पढ़ाई का बहुत शौक़ है.”

बहनों में प्यार भरे झगड़े का ज़िक्र करते हुए श्वेता कहती है, “हम दोनों में टीवी देखने को लेकर अक्सर झगड़ा हो जाता है. रिया को ‘नागिन’ धारावाहिक काफी पसंद है. उसे खेल-कूद बिल्कुल पसंद नहीं है. गायक गुरु रंधावा को रिया बहुत पसंद करती है.” अपनी सफलता पर रिया बहुत ख़ुश है. रिया कहती है, वह शिक्षक बनना चाहती है. पीएचडी कर नाम से पहले डॉक्टर लिखने की उसकी तमन्ना है.

रिया को मोबाइल आदि चलाना भी पसंद नहीं है. बेटी की सफलता पर बेहद प्रसन्न पिता भारत भूषण कहते हैं, “मेरी बेटी ने मेरा सीना गर्व से चौड़ा कर दिया है. मैं उसकी पढ़ाई लिखाई में कोई कमी नहीं आने दूंगा.”

प्रशासनिक अधिकारियों की आवाजाही

रिया के टॉप करने की सूचना पर बागपत का प्रशासनिक अमला एक्टिव मोड़ में आ गया. रिया की मां कविता कहती हैं, “दोपहर से ही अधिकारी उनके यहां पहुंच रहे हैं. शाम के वक़्त जिलाधिकारी बागपत ने रिया को मिलने के लिए बुलाया है.”

बारहवीं पास हैं मां-बाप

उत्तर प्रदेश टॉपर रिया के मां बाप बारहवीं पास हैं. रिया के पिता भारतभूषण कहते हैं, “मैं और कविता (रिया की मां) बारहवीं पास हैं. लेकिन रिया ख़ुद ही कईं-कईं घंटे पढ़ाई करती है.कभी-कभी वह 16-16 घंटे पढ़ती है.”

source:bbc

Soa Technology

SBI alerts DO NOT click on this link

State Bank of India (SBI) customers need to be extra careful for the next few days. The government has warned of a major phishing attack in India in the name of free Covid-19 testing across the country. The warning states that a large-scale cyberattack has been planned by cyber crooks where they may use Covid-19 as bait to steal personal and financial information of millions of people.

The Indian Computer Emergency Response Team (CERT-In) has issued an advisory warning that the potential phishing attacks could impersonate government agencies, departments and trade bodies. 

“Phishing campaign is expected to impersonate government agencies, departments and trade associations who have been tasked to oversee the disbursement of the government financial aid,” the warning said. 
What is at risk?The warning adds that SBI customers will get a link from ncov2019@gov.in with a subject line Free COVID-19 Testing which they should not click on at any cost. 

“Attention! It has come to our notice that a cyber attack is going to take place in major cities of India. Kindly refrain yourself from clicking on emails coming from ncov2019@gov.in with a subject line Free COVID-19 Testing,” the advisory said. 

SBI too has acknowledged the threat and put out a tweet from its official handle, warning its customers.

“We have received a worrying report from CERT-In that the phishing attack is expected to be carried out by cybercriminals using the suspicious email – ncov2019@gov.in from 21st June,” it tweeted.

The cybercriminals are claiming to have a 2 million individual/citizen’s email IDs and are planning to send email with subject “Free COVID-19 Testing” inciting personal details from the residents of following cities: Delhi, Mumbai, Hyderabad, Chennai and Ahmedabad, the advisory added.

How to stay safe?The advisory explains that customers need to check the complete mail ID of the sender and verify that the name of the email sender matches the one in the “from” field. They need to be cautious with emails and files received from unknown senders, especially if they are offering special deals or discounts, or offering any free service related to COVID-19.

The customers should refrain from clicking on any link, or scan the QR code in such mails or input any personal information, sensitive information, ID or passwords in the same (either official or personal). Do not open unknown attachments or click on links within the emails.
“Beware of email addresses, spelling errors in emails, websites and unfamiliar email senders,” stated the advisory, warning citizens to not submit personal financial details on unfamiliar or unknown websites or links. “Beware of emails, links providing special offers like Covid-19 testing, aid, winning prize, rewards, cashback offers,” the government advisory further added.

source:techiyogiz

Soa Technology

WhatsApp users cannot see each other’s Last Seen or a sign of being Online

The worldwide popular app WhatsApp that lets you exchange messages is having trouble functioning. The WhatsApp Messenger is facing issues with some of its features. Users cannot see each other’s Last Seen, or any signs of the person being Online. It is observed that these WhatsApp privacy settings have been changed today, in late evening.

According to the Down Detector, an Independent outage monitor spotted an increase in WhatsApp down reports. A lot of users of this messaging app are displeased and tweeting about the same on the micro-blogging website.

Down Detector says, 67 per cent of the users have reported issues with changing the Last Seen setting on their Android smartphone, or an iPhone. Whereas, 26 per cent of the users have complained about connection issuers. 6 per cent of the reports suggest errors with users trying to login to the app.

WhatsApp users believe that something is wrong with the privacy settings of the application. The Last Seen feature of the WhatsApp has now been switched to Nobody. The annoying bit for the users is that they cannot go back to the previous settings.

The Down Detector outage map says that the issue has affected users in the US, UK, Europe, and parts of Asia including India and Singapore. Going by the same map, it suggests that the last time WhatsApp faced any issues was back in the month of April.

While these issues become a major problem for the daily users, these error generally occurs when there is something wrong on the server-side.

WhatsApp users are tweeting and sharing screenshots regarding the same issue but there is no official tweet/reply from the company to these tweets. But we do believe that the Facebook-owned WhatsApp must be working on fixing this new Privacy Setting issue.

Source:- indiatoday