7 Credit Card Charges You Must Know About

7 Credit Card Charges You Must Know About

7 Credit Card Charges You Must Know About

Credit cards can be a boon when used judiciously as they entitle you to advance credit and great rewards. But if you’re careless with your card use, you could incur charges, penalties and a hefty interest rate.

To ensure that you use your card smartly and not get overcharged, make sure you are aware of some crucial charges associated with credit cards.

Joining or Annual Fee

While many credit cards come free of cost, i.e. no joining fees and perhaps exemption from annual fee for a particular period, the ones with bigger rewards and benefits generally tend to have a joining fee. Some may waive off the joining fee for the first year but may have it from the second year. Sometimes these charges are waived off if one spends up to a threshold specified by the bank.

Interest and Finance Charges

Most credit cards offer a 50-day interest-free period to pay for all spends. Some premium cards have finance charges regardless of where and when the card is swiped. But once the interest-free period passes, banks will levy an interest/finance charge to be borne by the customer if the full payment is not made on time.

Cash Withdrawal Charges

Credit cards also allow you to withdraw cash from ATMs. This option should be exercised only in emergencies. While there’s an interest-free period for all other credit card transactions, the interest rate applies immediately for cash withdrawals. If you withdraw cash in an emergency, repay it as soon as possible to avoid the hefty interest rate.

Over Limit Charge

There is a charge if you breach your credit limit and cash withdrawal limit. For instance, if your credit limit is Rs. 1 lakh but you have spent Rs. 1.25 lakhs on the card, be prepared to pay a charge. Normally a percentage of the excess spend is charged as penalty. So make sure to keep track of your spending and if you think you need to make a big purchase deposit the deficit amount by cash to the card if necessary.

Late Payment Charges

A late payment on your credit card bill can be disastrous in many ways. Firstly, your credit score gets affected, and secondly, you have to pay a late fee each time you are late in paying dues. While some banks charge a standard late fee, some charge a percentage of the amount due as late fee. Some may even charge an additional fee if your ECS for the credit card payment gets rejected.

In case you don’t have the full amount to repay your card, make sure to at least pay the minimum amount due, in order to avoid the late payment penalty.

Foreign Transaction Fee

Whenever a credit card is used for foreign transactions, whether online or at a point of sale, the bank levies a foreign mark-up fee. It ranges anywhere between 1.5 per cent and 5 per cent depending on the bank and the card. Cash withdrawals abroad are charged at a higher rate that card swipes. So when abroad you can carry enough cash or get a travel card to avoid these charges.

Balance Transfer Fee

A balance transfer is when you pay off the balances on existing credit cards or loans by transferring them to another credit card account. While many high value cards allow this free of cost, in some cases you may be charged a fee to complete the balance transfer – typically a percentage of the transfer balance. It is basically an expensive way to move money from one account to another, rather moving debt from one account to another, and you must avoid getting to this point by repaying your debts in a timely manner.

Source by:-ndtv

What’s Next In Autonomous Cloud Services: Analytics, Integration, And Development

What’s Next In Autonomous Cloud Services: Analytics, Integration, And Development

“Why doesn’t software manage itself?”

That’s the question his team asked about seven years ago, Oracle president Thomas Kurian told journalists at a recent briefing at the company’s headquarters in Redwood Shores, California. In 2018, the answer is now “It does,” in the form of Oracle’s autonomous cloud services.

Earlier this year, Oracle launched the world’s first autonomous data warehouse and pledged to add self-driving, self-securing, and self-repairing capabilities across its cloud platform services. Now, three more autonomous services have come on line: Oracle Autonomous Analytics Cloud, Oracle Autonomous Integration Cloud, and Oracle Autonomous Visual Builder Cloud. Powered by machine learning, these services perform tasks like patching and optimizing without human intervention, lowering operating costs and freeing IT teams, DevOps engineers, cloud architects, and even citizen developers to focus on more creative work.

“For every $1 spent on developing software, companies spend $3 on administering software,” Kurian said. With a vision of reducing this burden and freeing up time for more inspiring activities, Oracle started a four-phase project. “First, let software install itself, and do patches and backup. Second, let software take care of capacity management, adding servers on the fly,” Kurian said. “Third, let software tune itself, observing how queries run on the database, then indexing. Fourth, let it do health management: If the system is not looking healthy, take corrective action.”

These industry-first autonomous systems can also help reduce security risk because systems are patched automatically, rather than waiting for a person to schedule time to do that. “Embedding AI and machine learning in these cloud services will help organizations innovate in revolutionary new ways,” said Amit Zavery, executive vice president of development for Oracle Cloud Platform.

Three New Services: Analytics, Integration, and Development

All the autonomous services built on Oracle Cloud Platform reduce human labor, automatically upgrade and patch while running, and scale up or down without downtime (self-driving). They protect from malicious activity and automatically encrypt all data (self-securing). And they boast 99.995% availability, or less than 2.5 minutes of downtime per month (self-repairing).

Beyond that foundation, each of these three new services has been optimized for its audience.

Oracle Autonomous Analytics Cloud, for example, helps business users uncover insights by asking questions without having to write complex queries. Analytics Cloud converts the questions into backend queries using natural language processing, then creates rich visualizations of the answers. All the while, it’s learning from those interactions in order to proactively suggest insights and reveal hidden patterns.

With Oracle Autonomous Integration Cloud, machine learning can help integrate the thickets of systems companies run on—a problem that is only getting thornier. “The problem we’re solving is to make it easy to map those end points quickly,” Zavery said. “We will figure out what schema maps to what other schema in your SaaS applications. We provide a lot of pre-packaged connectors, so customers don’t have to do a lot of that coding.” Most impressively, Autonomous Integration Cloud learns from crowd-sourced data of all executed integrations and then makes visual recommendations of how to connect objects across different systems.

And finally, there’s the challenge of feeding the beast: Keeping up with the insatiable demand for new mobile and web apps. Oracle Autonomous Visual Builder Cloud makes it easier for developers and business users alike to deliver cross-platform mobile applications written in JavaScript and HTML, with code generated via WYSIWYG tooling including Oracle JET, Swagger, and Apache Cordova. Visual Builder Cloud Service also has autonomous capabilities to eliminate repetitive tasks so you can focus on designing, prototyping, and releasing your app. Simply name your server and click the button, and VBCS configures a database, host, and full development platform. Publishing a mobile app is just as simple: All it takes is one click to package the code for iOS and/or Android.

Will professional developers want to use such a visual coding tool? Oracle believes the productivity of visual coding will pay off for serious coders, now that Visual Builder Cloud Services lets developers add their own custom code to achieve richer behaviors. “While VBCS automatically generates code for you, the code is directly accessible for the developers—they can go in and enhance and modify it,” said Shay Smeltzer, director of product management for Oracle. “Basically, a professional developer can think of Autonomous VBCS as a platform that removes the boring part of coding and lets them focus on the more challenging part of development: implementing unique functionality for their organization.”

Make AI Do the Mundane

Oracle announced earlier this month that it plans to release more autonomous services later this year focused on mobile and chatbots, data integration, blockchain, security and management, and additional database workloads, including OLTP.

And expect more autonomous tools to help developers. “We are looking into leveraging more AI to help remove mundane tasks,” said Smeltzer. “So for example, one of the ideas we are working on is being able to scan an image with a conceptual design of a page and generate the HTML to implement it for you.”

Income Tax Department launches ITR-2 Form for AY2018-19

Income Tax Department launches ITR-2 Form for AY2018-19

Having notified the ITR Form-1 (Sahaj) for FY 2017-18/ AY 2018-19 recently, the Income Tax Department has now notified the ITR Form-2 along with ITR-3, ITR-4 Sugam, ITR-5, ITR-6 and ITR-7 forms for AY 2018-19. Also, Exel Utility for ITR-1 Sahaj and ITR-4 Sugam and instructions for using ITR-1 Sahaj, ITR-2, ITR-3 and ITR-4 Sugam have been provided.

It may be noted that while the ITR Form-1 (Sahaj) is meant for individuals who are a resident other than not ordinarily resident and have total income up to Rs 50 lakh from salary, 1 house property and other sources (like interest etc.), the ITR Form-2 is for individuals and HUFs (Hindu Undivided Families) having income under any head other than business or profession. Similarly, individuals and HUFs having income under the head business or profession are required to file either ITR Form-3 or ITR Form-4 (in presumptive income cases).

Instructions for filling out Form ITR-2

1. Assessment Year for which this Return Form is applicable

As per the CBDT, this new ITR Form-2 is applicable for assessment year (AY) 2018-19 only, i.e., it relates to income earned in financial year (FY) 2017-18.

2. Who can use this Form?

This form is meant for individuals or HUFs who are not eligible to file Sahaj (ITR-1) and who are not having any income under the head ‘Profits or gains of business or profession’.

3. Who cannot use this Form?

This Return Form should not be used by an individual whose total income for the assessment year 2018-19 includes income under the head “Profits or Gains of Business or Profession”.

4. Manner of filing Form ITR-2

This Return Form can be filed with the Income Tax Department in any of the following ways:

(a) by furnishing the return electronically under digital signature;

(b) by transmitting the data in the return electronically under electronic verification code;

(c) by transmitting the data in the return electronically and thereafter submitting the verification of the return in Return Form ITR-V.

Tax-payers should also match the taxes deducted/ collected/ paid by or on behalf of them with their Tax Credit Statement (Form 26AS).

The income tax return for AY2018-19 has to be filed by July 31, 2018.

Source:- financialexpress

HOW TO APPLY PASSPORT APPLICATION ONLINE?

HOW TO APPLY PASSPORT APPLICATION ONLINE?

Step one: Logging In

  • On the home page of the site you will find a section termed ‘APPLY’
  • If you’re an existing user, you can login with your user id and password (if still valid).
  • If you’re a first-time user, you will have to register or create an account to generate a user id and password to access the site. To register, follow these steps
  • Click on ‘register now’ under new user
  • You will be directed to the user registration page to fill in identifying details. Some fields, marked with an asterix, are mandatory and will have to be filled in.
  • In the first field, you will have to choose where you are registering at i.e. either the cpv Delhi or the passport office. (cpv is for application of diplomatic/official passports. However, these passports can also be applied through the relevant psk)
  • The passport office relevant to you based on the address of your current residence. (tibetan refugees will have to choose ‘delhi passport office’ for identity certificate.
  • The following fields relate to your name (limited to 35 characters), date of birth and email id.
  • You can choose your login id to be the same as your email id.
  • If not you can choose a login id
  • Specify your password and confirm
  • Provide a hint question and answer – if you forget your login details, you will be prompted to answer this question.
  • Finally enter the code displayed and hit ‘register’ the bottom-right corner of the page

Step Two: Choosing Application Type

  • Logging in will give you access to the site, taking you to the Applicant Home page. Here, you can choose to apply for a
    • Fresh passport / Passport Reissue
    • Diplomatic passport / official passport
    • Police clearance certificate (PCC)
    • Identity Certificate
    This page also contains a link to view applications that had been saved and submitted. Once you submit your application form, you can return to this page to view it.
  • Clicking on ‘apply for fresh/reissue of passport’ on the ‘applicant home’ page will take you to the next step of the process which is filling up the application form.

Step Three: Filling the Application Form

The application form can be filled in two ways viz. Offline or Online

Offline: Fill the form offline and upload it once completed.

  • If you choose to fill the form offline, click on the link provided to download the form in soft copy. (Note – Acrobat Reader version 9 or above required)
  • It will take you to the page ‘Download e-Form’. Here, a link to an electronic form for each of the following is provided.
  • Fresh/reissue
  • Police Clearance Certificate
  • Diplomatic/Official
  • Identity Certificate
  • Click on the appropriate link to open/download the e-form.
  • Fill the application e-form
  • Click on the link ‘Upload e-form’ and upload/submit the filled in application.

(This is a quicker way to fill the form and it does not require an internet connection).

Online: Fill the passport application online without having to download/upload it.

  • If you choose to fill the form online, click on the link provided to fill the online passport application form.
  • You will be directed to the page ‘Passport Type’ where you will have to choose between the following
  • Fresh or a reissue
  • Normal or tatkal
  • Booklet of 36 pages or 60 pages
  • Validity of 10 years or Up to 18 years of age or Not Applicable – Choose Not Applicable if you are an applicant over 18 years; Choose 10 years or Up to 18 years of age if the applicant is a 15 to 18 year old minor
  • Click on the ‘Next’ icon at the bottom right corner
  • This will take you to the subsequent pages denoting different sections of the application to be filled. These sections are left hand side of the page in the left navigation bar. These sections are
    • Passport Type (current page), Applicant Details, Family Details, Present Address, Present Address 1, Present Address 2, Emergency Contact, References, Previous Passport, Other Details, Self-Declaration
  • Submit the duly filled form

(You will have to stay connected to the internet while filling the form. Note – This will be a slow process if your Internet speed is lower than 512kbps)

You are required to provide genuine and complete details in your application form.

Learn More About How to Fill Passport Form Offline

Step Four: Schedule, Pay and Book the appointment

  • You will then have to schedule an appointment to visit the passport seva kendra (PSK) where you will have to present yourself. You can locate the PSK for your area on the portal.
  • Go to the ‘Applicant Home’ page and click on the ‘View Saved/Submitted Applications’
  • This will display a page containing details about the application form you submitted earlier. It shows in tabular form the ARN, File No., Applicant Name, Appointment Date and Submission No.
  • Select the ARN of the form you just filled.
  • Below the table are various options, viz.
    • Retrieve partially filled form
    • Pay and Schedule Appointment
    • Print Application Receipt
    • View/Print Submitted Form
    • Track Application Status
    • Track Payment Status
    • Payment Receipt
    • Upload Supporting Documents
    • Appointment History
  • Click on ‘Pay and Schedule Appointment’
  • This initiates your payment process. It begins with ‘Choosing your mode of payment’. You can choose from two payment methods, viz.
  • Online Payment – This is for payments via Internet Banking (SBI) or through card i.e. Debit or Credit Card (SBI or others).
  • Challan Payment – This is for physical payment i.e. paying cash at an SBI branch or paying cash at a PSK when going as a walk-in

Note – It is mandatory to make online payments for booking appointments at all PSKs. If paying for tatkal appointments, passport fee to be paid to book the appointment is the same as for Normal appointments. Once the appointment is successfully confirmed, the balance tatkal passport fee will have to be paid at the PSK in cash.

  • Once payment is made the next step is tobook the passport appointment
  • If you choose to pay online, you can move on to booking the appointment immediately.
  • If you choose to pay through cash/challan –
  • Take the challan provided to an SBI branch and pay the required amount in cash. This is to be done after at least 3 hours of challan generation.
  • The challan is valid for only 85 days from generation.
  • Collect a copy of the challan from the receiving bank personnel
  • The bank will then take 2 days to verify your ARN details on the challan given
  • Successful payment will be displayed on the website post-verification where you can ‘track the payment status’. Alternatively, an email update will be sent to you.
  • On successful payment, either online or via cash, you can ‘Schedule the appointment’
  • This page available dates for appointments at PSKs under the relevant Regional Passport Office (RPO).
  • It also shows your Application Reference Number (ARN)
  • Select a PSK based on available date
  • Enter the displayed code and click on the ‘Next’ icon at the bottom right corner.
  • For regular applications, select the Normal appointment Quota; For tatkal passport application, choose the tatkal appointment quota
  • You will then have to ‘Pay and Book the Appointment’.
  • Details about your application will be shown on this page, including your Application Reference Number (ARN), your name, what you’re applying for, the amount to be paid and your contact number. It will also show the appointment date.
  • Ensure all the information is correct then click the icon at the bottom right corner for appointment payment and booking.

You can use the Fee Calculator tool to ascertain the fee payable on your type of application. This can be found in the left navigation bar of the portal.

Note – There is no fee charged for Diplomatic/Official Passports Applications

  • This takes you to the payment gateway which is the SBI Multi Option Payment System (MOPS).
  • Choose the payment method i.e. Net Banking (SBI and associates) or Card Payment (cash payments are to be made at SBI branch).
  • If the payment system doesn’t work, you may try again after sometime.
  • In case there is a hitch in the system whereby you’ve been charged the passport fee without having your payment successfully processed online
  • Go to the ‘Applicant Home’ page
  • Click on ‘Track Payment Status’

Here you will be able to check the status of your payment. If it has been processed successfully, you can proceed to get an appointment confirmation. However, if it has not been processed, it will indicate a failed payment. In this case, the amount charged will be refunded to your account within 7 days, else, you will have to contact customer care.

Note – Once payment is made, there will be no refunds

  • On successful completion of payment, you will receive an ‘Appointment Confirmation’ and an Appointment Number (once payment is made, don’t pay again)
  • This page will display details about the appointment viz. your Application Reference Number (ARN), name, birth date, what you’ve applied for, the appointment quota i.e. Normal or tatkal, the chosen PSK, your passport application Appointment Date, Time and passport application appointment ID(which is the passport application appointment number displayed at the top of the page)
  • Click on ‘Print Application Receipt’ at the bottom right corner

Step Five: Print ARN Receipt

  • The ‘Print Application Receipt’ page gives particulars about your application
  • Applicant details – ARN, type of application, name, place and date of birth, gender and marital status, type employment, father’s name, current address.
  • Applicants References – First Reference Details, Second Reference Details (these are alphabetic codes)
  • Passport Payment Details – Total fee, Fee Paid, Date and Time of payment and the payment transaction id.
  • Passport Appointment Details – Location of the PSK and its address, Date and time of passport appointment, Appointment ID and well as the reporting time
  • Review these details and click on ‘Print Application Receipt’ at the bottom right corner
  • The last step of this process is the display of the ‘Passport Application Receipt’. This is proof of completion of the passport online application process.
  • The receipt contains the Applicant details, applicant references, payment details and appointment details as mentioned in the previous step.
  • It also contains a tabular display of the Batch, Sequence No. and Reporting Time. Applicants are called into the PSK according to batches and appointments dealt with in sequence.
  • There are two barcodes, one each at the top and bottom right corners
  • An important note at the bottom of the receipt clearly instructs you to
  • Carry your documents to the PSK i.e. one set of originals and one set of self-attested photocopies (parents can attest their minor’s copies). You need not carry any photographs as your photograph will be taken at the PSK. Only applicants who are minors below 4 years of age will have to carry a recent photograph – color with white background, 4.5 X 3.5 cms in size.
  • Ensure you are present at the PSK before the reporting time where you will be issued a token. Documents will be checked before token issuance. However, if you arrive after the mentioned reporting time, you will not be given a token.
  • The applicant, to enter the PSK alone for the appointment; except in the case of minors, senior citizens, handicapped and illiterate persons who can be accompanied by one family member.
  • Desist from carrying electronic items including cameras, and harmful objects or substances, which are not allowed inside the PSK.
  • Be aware of payment details as payment made will not be refunded.
  • You can complete the process by ‘Printing the Application Receipt’ by clicking the icon at the bottom of the page.
  • Once the application receipt is printed, click the ‘Close’ icon at the bottom of the page.

Note – You have to carry the Application Receipt / ARN Receipt when you go to the PSK for appointment.

  • NOTE – If you are unable to attend the appointment, you should either reschedule or cancel your passport appointment at PSK as early as possible.
  • There will be no refund of fee if the appointment is rescheduled or cancelled. The amount paid for the cancelled / original appointment cannot be transferred to process a new appointment. It will entail fresh payment.
  • However, if multiple payments are made for the same appointment/application/ARN, the excess will be refunded by the RPO
  • You can reschedule your passport appointment twice within one year i.e. from the date of the original appointment.
  • You cannot reschedule a missed / ‘no show’ passport appointment. In this case, you will have to repeat the process from the beginning to set up a new booking.

How To Apply Online For Diplomatic Passport/Official Passport

Official passports are provided to those individuals who travel abroad on official state business. This document enables individuals to travel abroad under the protection of the government. Diplomatic passports are given to consuls and diplomats appointed abroad on behalf of the government. These documents can also be used as proof of address and identity.

The following pointers will help guide individuals who wish to apply for an Official or Diplomatic passport online –

  1. Applicants will have to visit the official website of the Passport Seva Kendra or passport providing centres in India.
  2. They will have to click on ‘Register Now’ link on the homepage and register themselves on the Passport Seva online portal.
  3. They will then be given an ID and this will have to be used to login to the Passport Seva Online Portal.
  4. Applicants then have to click on the link that says, ‘Apply for Diplomatic/Official Passport’.
  5. The necessary form will have to be downloaded, filled in and submitted along with required documentary proof.
  6. A printout of the completed application will have to be taken through the ‘View/Print Submitted Form’ link that is available on the ‘View Saved/Submitted Applications’ page.
  7. This printed copy of the online application form will have to be taken to the Consular Passport and Visa Division, Patiala House in New Delhi Passport Office along with necessary original documents, attached to the current address and submit the application.

Source By : https://www.bankbazaar.com

Neil Armstrong, first man on the moon, dies at 82

US astronaut Neil Armstrong, the first man on the moon, has died aged 82 following complications from cardiovascular procedures, his family said on Saturday. As commander of the Apollo 11 mission, he first set foot on the moon on July 20, 1969

REUTERS – U.S. astronaut Neil Armstrong, who took a giant leap for mankind when he became the first person to walk on the moon, has died at the age of 82, his family said on Saturday.

Armstrong died following complications from heart-bypass surgery he underwent earlier this month, the family said in a statement, just two days after his birthday on Aug. 5.

As commander of the Apollo 11 mission, Armstrong became the first human to set foot on the moon on July 20, 1969. As he stepped on the dusty surface, Armstrong said: “That’s one small step for (a) man, one giant leap for mankind.”

Those words endure as one of the best known quotes in the English language.

The Apollo 11 astronauts’ euphoric moonwalk provided Americans with a sense of achievement in the space race with Cold War foe the Soviet Union and while Washington was engaged in a bloody war with the communists in Vietnam.

Neil Alden Armstrong was 38 years old at the time and even though he had fulfilled one of mankind’s age-old quests that placed him at the pinnacle of human achievement, he did not revel in his accomplishment. He even seemed frustrated by the acclaim it brought.

“I guess we all like to be recognized not for one piece of fireworks but for the ledger of our daily work,” Armstrong said in an interview on CBS’s “60 Minutes” program in 2005.

He once was asked how he felt knowing his footprints would likely stay on the moon’s surface for thousands of years. “I kind of hope that somebody goes up there one of these days and cleans them up,” he said.

A very private man

James Hansen, author of “First Man: The Life of Neil A. Armstrong,” told CBS: “All of the attention that … the public put on stepping down that ladder onto the surface itself, Neil never could really understand why there was so much focus on that.”

The Apollo 11 moon mission turned out to be Armstrong’s last space flight. The next year he was appointed to a desk job, being named NASA’s deputy associate administrator for aeronautics in the office of advanced research and technology.

Armstrong’s post-NASA life was a very private one. He took no major role in ceremonies marking the 25th anniversary of the moon landing. “He’s a recluse’s recluse,” said Dave Garrett, a former NASA spokesman.

Hansen said stories of Armstrong dreaming of space exploration as a boy were apocryphal, although he was long dedicated to flight. “His life was about flying. His life was about piloting,” Hansen said.

Born Aug. 5, 1930, in Wapakoneta, Ohio, Armstrong was the first of three children of Stephen and Viola Armstrong. He married his college sweetheart, Janet Shearon, in 1956. They were divorced in 1994, when he married Carol Knight.

Armstrong had his first joyride in a plane at age 6. Growing up in Ohio, he began making model planes and by his early teens had amassed an extensive aviation library. With money earned from odd jobs, he took flying lessons and obtained his pilot’s license even before he got a car license.

In high school he excelled in science and mathematics and won a U.S. Navy scholarship to Purdue University in Indiana, enrolling in 1947. He left after two years to become a Navy pilot, flying combat missions in the Korean War and winning three medals.

Flying test planes

After the war he returned to Purdue and graduated in 1955 with an aeronautical engineering degree. He joined the National Advisory Committee on Aeronautics (NACA), which became NASA in 1958.

Armstrong spent seven years at NACA’s high-speed flight station at Edwards Air Force Base in California, becoming one of the world’s best test pilots. He flew the X-15 rocket plane to the edge of space – 200,000 feet up (61,000 meters) at 4,000 mph (6,435 kph).In September 1962, Armstrong was selected by NASA to be an astronaut. He was command pilot for the Gemini 8 mission and backup command pilot for the Gemini 11 mission, both in 1966.

On the Gemini 8 mission, Armstrong and fellow astronaut David Scott performed the first successful docking of a manned spacecraft with another space vehicle.

Armstrong put his piloting skills to good use on the moon landing, overriding the automatic pilot so he and fellow astronaut Edwin “Buzz” Aldrin would not have to land their module in a big rocky crater.

Yet the landing was not without danger. The lander had only about 30 seconds of fuel left when Armstrong put it down in an area known as the Sea of Tranquility and calmly radioed back to Mission Control on Earth, “Houston, Tranquility Base here. The Eagle has landed.”

Aldrin, who along with Armstrong and Michael Collins formed the Apollo 11 crew, told BBC radio that he would remember Armstrong as “a very capable commander and leader of an achievement that will be recognized until man sets foot on the planet Mars.”

Armstrong left the National Aeronautics and Space Administration (NASA) a year after Apollo 11 to become a professor of engineering at the University of Cincinnati.

Declines offers to run for office

After his aeronautical career, Armstrong was approached by political groups, but unlike former astronauts John Glenn and Harrison Schmitt who became U.S. senators, he declined all offers.

In 1986, he served on a presidential commission that investigated the explosion that destroyed the space shuttle Challenger, killing its crew of seven shortly after launch from Cape Canaveral in January of that year.

Armstrong made a rare public appearance several years ago when he testified to a congressional hearing against President Barack Obama administration’s plans to buy rides from other countries and corporations to ferry U.S. astronauts to and from the International Space Station.

Armstrong also said that returning humans to the moon was not only desirable, but necessary for future exploration—even though NASA says it is no longer a priority.

He lived in the Cincinnati area with his wife, Carol.

“We are heartbroken to share the news that Neil Armstrong has passed away,” the family said in their statement. “Neil was our loving husband, father, grandfather, brother and friend.”

His family expressed hope that young people around the world would be inspired by Armstrong’s feat to push boundaries and serve a cause greater than themselves.

“The next time you walk outside on a clear night and see the moon smiling down at you, think of Neil Armstrong and give him a wink,” the family said.

Obama said that Armstrong “was among the greatest of American heroes – not just of his time, but of all time. …

“Today, Neil’s spirit of discovery lives on in all the men and women who have devoted their lives to exploring the unknown – including those who are ensuring that we reach higher and go further in space. That legacy will endure – sparked by a man who taught us the enormous power of one small step.”

Glenn, an original NASA astronaut with Armstrong, spoke of his colleague’s humble nature. “He was willing to dare greatly for his country and he was proud to do that and yet remained the same humble person he’d always been,” he told CNN on Saturday.

The space agency sent out a brief statement in the wake of the news, saying it “offers its condolences on today’s passing of Neil Armstrong, former test pilot, astronaut and the first man on the moon.”

Armstrong is survived by his two sons, a stepson and stepdaughter, 10 grandchildren, a brother and a sister, NASA said.

Some controversy still surrounds his famous quote. The live broadcast did not have the “a” in “one small step for a man …” He and NASA insisted static had obscured the “a,” but after repeated playbacks, he admitted he may have dropped the letter and expressed a preference that quotations include the “a” in parentheses.

Asked to describe what it was like to stand on the moon, he told CBS: “It’s an interesting place to be. I recommend it.”

10 tips to increase your sales

10 tips to increase your sales

Here we present to you the top ten tips and tricks that would help increase your sales and reach more customers.

1- Study the market and analyse your competitors strengths and weaknesses.

Make sure to be on top of all the market changes and trends, understanding those will help you make better judgements and seize opportunities before others. Have a look at other competitors who sell your same products categories, and make sure that you capture their strengths so you can follow, and weaknesses as well so you can avoid.

2- Use fair and competitive prices

Ultimately you want to get more revenue, and while increasing your prices and profit margins might get that, you will not be the first choice for customers. On the other hand, less profit would encourage more customers to buy and eventually you will get the same result.

3- Satisfy your customers

Extremely important point, satisfying your customers will build your reputation and will increase your popularity. Make sure you accept all orders and that they get delivered on time. Negative feedback will haunt you no matter how small they are.

4- Sell what customers need

Imagine selling a Nokia 3310 and an iPhone 6s, which one will get more sales? Always make sure to follow what customers are looking for and try to provide it in a unique way.

5- Consider adding discounts

Everybody love discounts, they even encourage customers to buy stuff they don’t really want just because it’s on sale. Your name will be noticed and spread quickly, and customers will always keep checking and waiting for your upcoming discount. It’s a great investment.

6- Offer free shipping

It’s similar to the previous point, free shipping is tempting for your customers, the value you get is really worth it.

7- Listen and respond to complaints.

It’s not just a disappointed customer, words spread quickly and more people will think twice before buying from an untrusted seller. Make sure to listen to what your customers say and help them overcome these problems.

8- Get positive feedback

This is your best way to become more trustworthy and popular, customers always choose high rated sellers, so keep monitoring your performance.

9- Use Souq.com sponsored products feature

Souq.com provide you with the sponsored products which will help you show selected products to more customers. We totally recommend using this feature as it increases your presence and reach.

10- Go social

Nowadays social media is the trend, make sure to spread your reach and attract new customers to come and buy your products. You might also consider social media marketing campaigns that will spread the word on a wider range.

Vehicle registration numbers likely to be linked with Aadhaar

Vehicle registration numbers likely to be linked with Aadhaar

In a bid to impove road safety and make tracking of vehicle that violate rules, a panel setup by the ministry of home affairs (MHA) has suggested that a central body be set up to maintain data on motor vehicles by linking their registration numbers to the Aadhaar numbers of their owners.

Representational Image

Representational Image The panel hasn’t directly recommended linking motor vehicles to Aadhaar, but suggested the creation of a Central Repository Body (CRB) at the central government level, said a Hindustan Times report. The move is being seen as an attempt to reinforce security against incidents such as Maoist and other militant attacks on highways, reducing crimes such as robberies and attacks on women as well as road accidents.

Delhi transport minister Kailash Gahlot remained apprehensive about the suggestion and asked if the existing laws permit it.

“The linking of Aadhaar with motor vehicles can help in many things like hit-and-run cases or tracing vehicles but at the same time we are not sure if the current laws will permit mandatory linking of Aadhaar to vehicles,” HT report quoted Gahlot as saying.

In February, the Centre had informed the Supreme Court that it is planning to link driving licences with Aadhaar number in order to weed out fake licenses. Union Road Transport Minister Nitin Gadkari, has in the past, shown a great deal of enthusiasm towards linking the DL and Aadhaar as a third of driving licences in India are bogus. Gadkari feels that Aadhaar linking would help that law enforcement agencies to curb the menace of fake licences.

Source by oneindia…

8000 entrepreneurs from India’s direct selling industry take part in QNet’s Global Convention at Malaysia

8000 entrepreneurs from India’s direct selling industry take part in QNet’s Global Convention at Malaysia

Asian direct selling firm celebrated its 20th Anniversary amid great fanfare in presence of over 15,000 distributors from across 70 countries

India, 08 May 2018: Prominent Asian Direct Selling Company QNet’s annual convention ‘V- Malaysia 2018’ concluded amidst great fanfare in the presence of more than 15,000 entrepreneurs from around the globe, including nearly half of them from India.

‘V-Malaysia 2018’ marked an extraordinary experience for participants as the company celebrates its 20th anniversary this year. The five-day event held at the Subterranean Penang International Conference & Exhibition Centre (SPICE) in Penang Island, Malaysia was attended by QNet distributors from across 70 countries.

The convention opened with a colourful cultural extravaganza of music and dance performances, and a parade of international flags by representatives from all participating countries. The following days included a series of training programs, motivational speeches, unveiling of brand new lifestyle products of QNet and various entertainment events. The highlight of the 20th anniversary celebrations was an appearance by Bollywood’s own international star Anil Kapoor, who spoke to the participants about the importance of never giving up. He talked about his own life’s journey that has seen many ups and downs during his 38-year long film career. He explained that consistency and perseverance was key to achieving success.  Anil Kapoor’s motivating words resonated deeply with the participants, who are all entrepreneurs from different parts of the world who face challenges and failures almost every day in their business.

According to Trevor Kuna, Chief Executive Officer (CEO) of QNet, business leaders from the company’s key regional markets in Middle East, Central Asia, Africa and the Indian sub-continent attended this year’s convention.

“This convention gives our distributors and customers a chance to experience and test our products in person, interact with distributors from international markets, meet with the corporate team, product and business experts and learn from the best in the business. It is also a great platform to celebrate the spirit of entrepreneurship that direct selling companies like QNet spark in millions of people across the globe, enabling them to improve their lives and contribute to their communities,” said Kuna.

A key attraction this year was the QNet Carnival, which showcased over 30 brands of QNet products in one of the biggest exhibitions ever held by the company. Many of these products sold through the direct selling network of QNet in India are sourced from the SME sector by the company. Bestselling products from QNet’s Indian market such as the QNet-Sharp Air Purifier and the QNet-Kent Water Purifier developed exclusively for QNet were also showcased at the Carnival.

QNet has around 3,00,000 people distributors and customers in India, many of who are  actively building a direct selling, creating self-employment opportunities for many. QNet offers a variety of health, wellness and lifestyle products and services that enhance the everyday lives of its customers around the world.

Top 10 Languages Used On the internet Today

Top 10 Languages Used On the internet Today

With so many languages available on the internet, the question about whether to translate or localize your website lingers at the back of many website owners. For some years now, the English language dominated the internet. The dominance has been relatively historically and is still is. However, there is a massive representation of other languages apart from English on the internet. The idea of multiple languages is fast changing the way websites operate now more than ever. Businesses and individual from all over the world should consider translating their websites.

Translating your website is one a great idea you should consider in 2018. There are many benefits of making sure your site is accessible in more than one language. To make things easier for everybody, there are language translation tools that can be used to translate your websites. You can download them from the internet for offline use and use them online, whichever works for you. To help you understand better the languages used on the internet, here are the top languages used according to Statista statistics.

Top 10 Languages Used On the internet Today

Top 10 Language Used On the internet

1. English

According to Statista statistics, English is the most represented language online. The English language has 25.3% of internet users worldwide. This is not a surprise as English has been dominating the internet languages for many years. It was the founding language of the internet, after which means most contents are in English then translated the language of your preference.

2. Chinese

It is assumed that Chinese is the fastest growing language in the world and going by the Statistics, it is true. Chinese take the second spot with 19.8% internet users using it. With a population of 1.35 billion and other people still learning the language, it deserves a second place on the log. It’s better to translate your website using language Translation tools found online to make your website accessible to Chinese speakers.

3. Spanish

Believe it or not, there are more than 750 million people who speak Spanish worldwide. Around half of them are native Spanish speakers. This means if you want to access this population your need to translate or localize your website. The content chased in Spanish in ever growing. Spanish speakers are becoming more connected which means they need more content in their language. Statista places Spanish at number three with 8% of internet users using Spanish. The ranking is expected to grow in the coming years.

4. Arabic

Arabic was just a small language several years ago used on internet. In 2015, it did not feature even in the top ten languages used on the internet, but has grown to become one of the most used languages online. As of 2013, only 37% of Arabic speakers were connected to the internet, but today there are more than 168.1 million Arabic internet users worldwide. The language just misses out on the top three spot, but it is worth a try to translate or localize your website in Arabic.

5. Portuguese

Just like Arabic and Spanish, Portuguese content online has grown since 2011. In 2013, only 47% of Portuguese speakers connected to the internet, but things changed as time went by and now there are a whopping 131.9 million Portuguese speakers connected on the internet. This means at least 4.1% of Portuguese speaking people use the internet. Although the language may seem like a donkey in the race of horses, it manages to come fifth.

6. Indonesian/Malaysian

No one would believe these languages would take the sixth spot on the list. With more than 98.9 million users online, it is worth to translate your website to Malaysian/Indonesian to access them if they are your target group. You can also consider to translate or localize your website to these languages as these people want to find more information about foreign products and services. Use language Translation Tools. They offer better services.

7. Japanese

Japanese has been on the list of the most popular languages used online on internet since the year 2011. Similar to Spanish, the Japanese speakers are creating an amount of content online. However, there is much room for growth. Localizing your website to Japanese means more traffic, business and an increase in your ROI. 3% of internet users are Japanese which translates to 114.9+ million users.

8. Russian

The Russian language has grown considerably with 103.1+ million users online. It is seventh on the log since more people are using it to access content on the internet. In 2011, the population of Russian speakers accessing the internet increased at a rate of 41.5 percent and its still in the increase mode. Top language translation tools can help you translate or localize your website to the Russian language.

9. French

Now to the language that most people would have thought would take to top five on the list of the top languages used online. French surprisingly has a decent share of website users, considering the fact that it’s an official language of 29 countries and France being notoriously known for its effort of preserving the French language. However, it is ninth on the log with approximately 2.8 internet users.

10. German

According to Internet World Stats, German was the tenth most common language used on the internet in 2015. The statistic has not changed much. Statista recent statistics show German as the tenth top language used online with 2.2% of internet users. It’s easy to translate your website using language translation tools found online and you will be able to access German-speaking people who use the internet.

Translating or localizing your website offer an opportunity to reach a wider audience. For instance, English language websites gear US audience and other audience around the world, but if you are targeting people from different communities and culture, you will be more successful by translating your website into multiple languages.

Conclusion about the Languages Used On the Internet

Depending on your geographic area and target audience, you can decide to translate or localize your website. It is an important aspect of your marketing strategies because it allows you to reach specific audiences who speak different languages. Use the already available language translation tools found on the internet.

Train Cancelled? Ticket Booking Amount To Get Credited Automatically. Details Here

Train Cancelled? Ticket Booking Amount To Get Credited Automatically. Details Here

The IRCTC (Indian Railways) announced on Friday, in a tweet, on its official twitter handle that in case a train is cancelled from the start station to end station, the PNR (passenger name record) is automatically cancelled following which, the refund of train ticket is processed in the same bank account, through which the payment was made at the time of booking. The tweet further reads that the passenger should visit www.irctc.co.in for further details.

To be able to book a train ticket(s), one can do so on the IRCTC (Indian Railway Catering And Tourism Corporation) website or computerized passenger reservation centre of Indian Railways.For Tatkal TicketsThe passengers must note that booking for Tatkal tickets of AC classes opens at 10 am and for the non-AC classes bookings open at 11 am, but only a day in advance of the actual date of journey. Bulk of the tickets under the Tatkal scheme gets booked in a few minutes of the opening of the booking. Under the tatkal scheme, one single user ID is allowed to place the bookings of only two Tatkal tickets.

Besides, under the Tatkal scheme, only one Tatkal ticket can be booked in a single session (except return journey).

A single user can have only one login session active at one point of time.

However, under the non-tatkal or general ticket booking scheme, advanced reservations can be made up to 120 days in advance.

IRCTC, the e-ticketing arm of Indian Railways, has introduced a new payment mechanism for booking e-tickets, including Tatkal tickets. Now, IRCTC e-wallet users can book rail e-tickets including Tatkal quota tickets through mobile app IRCTC Rail Connect. IRCTC e-wallet is a payment mechanism which enables users to deposit money in advance with IRCTC. This money can be used as a payment option.

Introduced in 1997, the tatkal scheme is meant for booking tickets at a very short notice.

Source by  ndtv..