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A will is a document or declaration that ensures your real estate and other assets are legally transferred and distributed among your heirs according to your wishes after you pass away. As the name suggests, a will means you make it clear to your heirs about who receives what from your estate once you are gone. By writing a will, you can prevent family conflicts and legal battles over inheritance.

Apple is planning to revamp the Settings app in iOS 18 with a cleaner interface, better organisation and much improved search. The company is also planning to bring improvements to the Control Centre with a new 'Now Playing' music widget and HomeKit smart home controls.In his weekly Power On newsletter, Gurman also reiterated that Apple is planning to integrate the power of generative AI to provide a much-needed upgrade to many of its apps.

Narendra Modi plans a raft of business-friendly measures if he wins a third term this week, including pushing through regulations making it easier to hire and fire workers, according to two government officials familiar with the matter.

"Companies like Voltas performed well initially, but their recent results, especially in the EMPS space, were disappointing. With per capita spending increasing, fast-moving electrical goods, home improvement, and auto sectors tend to do well," says Gurmeet Chadha, Complete Circle Consultants We are hearing reports suggesting an acute shortage of air conditioners and other consumer durable goods. Have you managed to get your hands on them? There is indeed a shortage, and discounts have virtually disappeared, not just for air conditioners but also for refrigerators and air coolers. Companies like Voltas performed well initially, but their recent results, especially in the EMPS space, were disappointing. With per capita spending increasing, fast-moving electrical goods, home improvement, and auto sectors tend to do well. If we compare this to China, where per capita GDP grew by 13-14% over a 15-year period, the consumer durable segment grew by 20%, and the auto sector by 26%. This is more of a long-term play, and extreme weather conditions could provide a better entry point.

Assam remained grim, with three additional fatalities reported and new areas being inundated.Although there was a slight decrease in the number of affected people, the situation persisted as a significant concern, PTI reported.“Rivers remained in spate, while affected people took shelter in relief camps in different areas," it said.According to a bulletin from the Assam State Disaster Management Authority (ASDMA), 535,246 individuals across 13 districts remained affected by the flood.Also Read: Manipur floods: Houses and vehicles submerged amid heavy rains; PM Modi, Amit Shah take stock of situationThis number represents a decrease from the 601,642 affected individuals across 10 districts reported on Saturday.Tragically, the flood and storm-related fatalities since May 28 have now reached 18, with two deaths reported in Cachar and one in Nagaon.“Three major rivers – Kopili, Barak and Kushiyara – continued to flow above the danger level," the ASDMA bulletin said.Also Read: Monsoon Tracker: Wet spell in Delhi, Bengaluru, Mumbai, Kolkata and Chennai? IMD's full weather forecast hereNagaon emerged as the worst-hit district, with 303,567 people still affected, followed by Cachar with 109,798 and Hojai with 86,382 affected individuals.The situation prompted the establishment of 193 relief camps across various districts, accommodating over 39,000 displaced individuals. Additionally, 82 relief distribution centers were actively providing assistance.Also Read: Weather today: IMD issues orange alert for heavy rains in 6 states; warns of heatwave in Haryana and PunjabMultiple agencies, including the NDRF, SDRF, and local administration, were engaged in rescue and relief operations.

BENGALURU : HCL Technologies Ltd’s bet on software products has not yielded profitability of the kind its management expected, five years after the Noida-based company purchased eight software products from IBM. The business unit saw a 680-basis point decline in operating margins from FY20 to FY24, despite a $271-million increase in revenue in the same period.

Investors in Tata Technologies were overjoyed when the stock got listed in November 2023. At Rs.1,314, the closing price on listing day was more than 160% above the issue price of Rs.500. Not all investors made a killing though. A few weeks before the IPO opened on 22 November, Tata Technologies shares were trading at around Rs.860 apiece in the unlisted market. The investors who bought these shares at that price saw their investment go up by only 53%. Even 53% was not theirs for the picking, thanks to a rule that disallows pre-IPO investors from selling their holdings till six months after a stock is listed. The lockin period for Tata Technologies ended last week on 30 May, but the share price is now Rs.1,030, which means the gains are now pared further to less than 20%. Unlisted stocks are more volatile, less rewarding

What is NHCX platform? NHCX is a digital platform developed by the National Health Authority (NHA) and Union Ministry of Health and Family Welfare as part of the Ayushman Bharat Digital Mission. It is being created on the recommendation of the joint working group of the Insurance Regulatory and Development Authority of India (Irdai) and NHA. The portal will bring all the players involved in the claim process, including ‘payers’ (insurer, third-party administrator, government scheme administrator) and ‘providers’ (hospital, laboratories, polyclinics) at one place. Irdai has urged all the players to onboard the platform, and many have already done so.

Brandolini formulated this insight after reading Daniel Kahneman’s book, Thinking, Fast and Slow, and watching a heated political debate on Italian TV. Having watched many TV debates in India, I fully sympathise with Brandolini. The nonsense does tend to flow freely in political debates on TV. However, that’s not what I want to discuss. Apart from TV, the rise of social media and its army of finfluencers have made this principle more relevant than ever. These influencers often peddle bad personal finance advice with little accountability, leading many to make poor financial decisions based on dubious recommendations. In investing, the problem is exacerbated by an industry that actively encourages people to deceive themselves. This issue has become so pervasive that Sebi is starting to take serious action against it.

Gaurav, a public-sector senior executive, is in his late thirties and looking to invest in a fixed return product with minimal risk to build a retirement corpus. He has heard of a few credit accidents and is vary of default risk. His investment adviser tells him that several tax-free bond issues are coming up from public-sector undertakings, infrastructure companies and municipal corporations. Such bonds have long tenors, typically maturing after 10, 15 or 20 years, and would make for an ideal inclusion in his retirement portfolio. Every year, interest/coupon will be paid to Gaurav and will be tax-free income, while the principal amount will be returned to him on maturity, but it will not offer any tax benefit. These bonds will also be listed on a stock exchange, which would allow investors to benefit from any appreciation in price and exit the bonds before maturity. Gaurav is wondering whether he should invest in any of these taxfree bonds. In order to take a decision to invest in tax-free bonds, Gaurav must weigh its features against other investments.

heirs. Second, how to balance the need for financial freedom with dependence on children during one’s lifetime. Third, how to provide for the care and comfort of the surviving spouse when one has passed away. The first question has been answered in an earlier column. Simplifying one’s finances is always a good policy in retirement, especially if one crosses the age of 80. There’s nothing sacrosanct about this number in this day and age, but simplification helps both the investor and his heirs. The first step is to complete any pending asset-related processes. Verify and update nominations, check and organise title deeds, consolidate multiple accounts and folios, close dormant accounts, dematerialise paper shares, and review joint holdings for proper operation. The second important step in estate planning for the elderly is making assets accessible to heirs. Many investors leave their children unaware of their assets, causing confusion after they pass away. Consolidate assets and record details, including e-mail and Internet banking access, in a notebook or spreadsheet for easy reference. With advancing age, either trust heirs with account details or ensure they can easily access them after one’s passing.

documentary series «The Life & Murder of Nicole Brown Simpson» is set to premiere on Lifetime, offering viewers an in-depth look into the tragic story of Nicole Brown Simpson. This four-part docuseries promises unprecedented access to home videos, interviews, and new revelations, bringing Nicole's voice and narrative to the forefront.

Read more about other Food and Beverages items on the Top Trending Products page. Check out the best granola in India below. 1. Express Foods Peanut Butter Granola Express Foods Peanut Butter Granola, 1kg₹695Buy Now Express Foods Peanut Butter Granola is a wholesome whole grain breakfast cereal that combines the goodness of oats and the rich flavor of peanut butter. Sourced from India, this versatile cereal can be enjoyed with milk, yogurt, ice-cream, or simply on its own, providing a delicious and satisfying start to your day. Packed with nutritious ingredients, it offers a convenient and nourishing breakfast option for individuals seeking a balanced and flavorful meal. Whether enjoyed as a crunchy topping or as a standalone snack, Express Foods Peanut Bu

JM Financial Group has decided to fund real estate projects through the alternative investment fund (AIF) route and syndications, moving away from its on-balance business model.

Agnipath' scheme has been one of the major reforms towards maintaining a youthful profile of the three services, Chief of Defence Staff (CDS) Gen Anil Chauhan has said. His remarks came at an event in INS Chilka, a premier training facility of the Indian Navy located in Odisha, according to the defence ministry on Sunday.

election in India is seen solely as a numbers game. The obsession with rally size, voter turnout, number of campaign rallies, vote shares, seats won, etc, is especially big deal in Lok Sabha elections. But now that the hurly-burly's done — and the battle's almost lost and won — it's time to look beyond the nose of quantity and think of whether the quality of this democratic exercise may be strained.

Read more about other Food and Beverages items on the Top Trending Products page. Check out the best salt in India below. 1. Urban Platter Pink Himalayan Rock Salt Urban Platter Pink Himalayan Rock Salt Powder, 1.5kg (Unrefined | Additive Free | 100% Pink Rock Salt | Sendha Salt | PET Jar)6% Off₹375₹400Buy Now Urban Platter Pink Himalayan Rock Salt Powder, available in a 1.5 kg PET jar, is an unrefined, additive-free salt sourced naturally from the Himalayan mines. This 100% pink rock salt, also known as Sendha Salt, is distinguished by its signature pink color, derived from trace minerals like iron, magnesium, and potassium. Ideal as a healthier alternative to whi

NEW DELHI:Food Safety and Standards Authority of India (FSSAI), in consultation with the Union Ayush ministry, has drafted licensing and logistics norms for businesses that can manufacture and sell food products under the Ayurveda Aahara category, and will shortly release the guidelines, two topofficials said.Ayurveda Aahara (diet) food products don't contain drugs or medicinal products, but have ingredients that are believed to promote health. Ayurveda Aahara was notified in 2022 and includes five categories and around 800 ayurvedic recipes, and the norms governing their manufacture will be launched post elections, one of the officials said.The regulations define “Ayurveda Aahara" as food prepared in accordance with the recipes or ingredients or processes as per methods described in the authoritative books of Ayurveda, and listed under ‘Schedule A’ of the FSSAI regulations.“Ayurveda is now a global matter and there’s huge value to it. We must look at it from the commerce perspective.

₹5,000-crore package is being worked out through a new VGF scheme to incentivise construction of inland vessels, with plans to later extend the support for entities manufacturing sea-bound vessels including cruise ships.One of the two persons said that under SBFA, the incentives in the form of 20% capital support may be reinstated for all kinds of shipbuilding, with the period of incentives being extended by four years from present sunset period of 2026 to align it with Maritime India Vision 2030. Under the Maritime India Vision, India aims to develop world-class mega ports, transhipment hubs and infrastructure modernization of ports.The SBFA scheme may be considered for further extension by another six years till 2036, in line with new targets set under the recently formulated The Amrit Kaal Vision 2047, the person quoted above said.Also Read: What an ‘Indian Club’ means for the country's shipping industryIn addition, a new VGF scheme may be launched to encourage the construction of inland vessels and ships with plan to extend this support in addition to any other incentive programmes for manufacturing commercial blue water ships.Under SBFA, financial assistance is provided to domestic shipyards for shipbuilding contracts signed between 1 April 2016 and 31 March 2026 with the rate of financial assistance starting at 20% in 2016 and diminishing to 11% in 2026.

(This story originally appeared in on May 31, 2024)

detained several BJP leaders and workers, including the party's Delhi unit chief Virendra Sachdeva, who were protesting against Chief Minister Arvind Kejriwal's visit to the Rajghat ahead of his scheduled surrender at Tihar jail. Delhi Police said some protesters were removed from Rajghat area to maintain law and order.