Category: News Update

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RBI and credit control

ReserveBankOfIndia (@RBI) / Twitter

RBI governor, Shaktikanth Das, on May 4 2022 revised the repo rates. On this context, let us look more about the credit control measures adopted by Reserve bank of India.

Reserve bank is the apex body to control the banking system in India. As we all know banks are the major link in money supply. Thus, RBI can control the money in the economy by controlling the banks. These policies are termed as monetary policy.

RBI could adopt either quantitative or qualitative methods.

Quantitative methods

Statutory Liquidity Ratio

Statutory Liquidity Ratio or SLR is the minimum percentage of deposits that a commercial bank has to maintain in the form of liquid cash, gold or other securities. It is basically the reserve requirement that banks are expected to keep before offering credit to customers. The SLR is fixed by the RBI and is a form of control over the credit growth in India.

The government uses the SLR to regulate inflation and fuel growth. Increasing the SLR will control inflation in the economy while decreasing the statutory liquidity rate will cause growth in the economy. The SLR was prescribed by Section 24 (2A) of Banking Regulation Act, 1949.

Cash Reserve Ratio

CRR is an essential monetary policy tool used for controlling the money supply in the economy, a regulation implemented in almost every nation by the Central Bank of that country.

CRR rate is the minimum percentage of cash deposits (as specified by RBI) that must be maintained by every commercial bank as per the requirement of the Central Bank.

Cash Reserve Ratio Rate is computed as a percentage of the net demand and time liabilities of each bank. Net Demand and Time Liability is reached with the total of the savings account, current account, and fixed deposit balances.

Bank rate

Bank rate is a rate at which the Reserve Bank of India (RBI) provides the loan to commercial banks without keeping any security. There is no agreement on repurchase that will be drawn up or agreed upon with no collateral as well. The RBI allows short-term loans with the presence of collateral. This is known as Repo Rate. Bank Rates in India is determined by the RBI. It is usually higher than a Repo Rate on account of its ability to regulate liquidity.

Open market operations

Open market operations refer to the selling and purchasing of the treasury bills and government securities by the central bank of any country in order to regulate money supply in the economy.

It is one of the most important ways of monetary control that is exercised by the central banks. Under this system, the central bank sells securities in the market when it wants to reduce the money supply in the market. It is done to increase interest rates. This policy is also known as the contractionary monetary policy.

Similarly, when the central bank wants to increase the money supply in the market, it will purchase securities from the market. This step is taken to reduce the rate of interest and also to help in the economic growth of the country. This policy is known as the expansionary monetary policy.

Qualitative methods

Margin Requirement:

Margin requirement refers to the difference between the current value of the security offered for loan (called collateral) and the value of loan granted. It is a qualitative method of credit control adopted by the central bank in order to stabilize the economy from inflation or deflation.

Rationing of Credit:

Rationing of credit refers to fixation of credit quotas for different business activities which is introduced when the flow of credit is to be checked particularly for speculative activities in the economy.

Moral Suasion:

The central bank makes the member bank agree through persuasion or pressure to follow its directives which is generally not ignored by the member banks. The banks are advised to restrict the flow of credit during inflation and be liberal in lending during deflation.

Life insurance corporation of India

LIC share Market Price: Life Insurance Corporation's market share falls below 70%

Life insurance corporation of India has initiated its initial public offer for five percent of its shares. It is one of the largest profit-making enterprises owned by the government of India. In this instance, it is important to know more about this enterprise.

LIC or Life Insurance corporation of India was started in the year 1956 in accordance with the Life insurance corporation of India act of 1956. As India was following a socialistic approach of economic development, LIC was introduced as an enterprise owned and operated by the government of India.

Story of formation

The Oriental Life Insurance Company, the first company in India offering life insurance coverage, was established in Kolkata in 1818. Its primary target market was the Europeans based in India, and it charged Indians heftier premiums. After that several companies emerged. The first 150 years were marked mostly by turbulent economic conditions. It witnessed India’s First War of Independence, adverse effects of the World War I and World War II on the economy of India, and in between them the period of worldwide economic crises triggered by the Great depression. The first half of the 20th century saw a heightened struggle for India’s independence. The aggregate effect of these events led to a high rate of and liquidation of life insurance companies in India. This had adversely affected the faith of the general in the utility of obtaining life cover. In 1955, parliamentarian Feroze Gandhi raised the matter of insurance fraud by owners of private insurance agencies. The Parliament of India passed the Life Insurance of India Act on 19 June 1956 creating the Life Insurance Corporation of India, which started operating in September of that year.

Structure

The LIC’s executive board consists of Chairman, currently M R Kumar, and Managing Directors, Vipin Anand, T. C. Suseel Kumar, Mukesh Kumar Gupta and Raj Kumar. The Central Office of LIC is based out of Mumbai which sits The Chairman, all four Managing Directors, and all Executive Directors (Department Heads). LIC has a total of 8 Zonal Offices namely Delhi, Chennai, Mumbai, Hyderabad, Kanpur, Kolkata, Bhopal & Patna.

Policies

Some important policies are:

LIC tech term plan

LIC Jeevan Umang

LIC Jeevan Amar

LIC Money back years

LIC New Jeevan Anand

Role of LIC

It has been a significant driver in creating the culture of investment in insurance. It has made insurance accessible to the economically weaker sections. The long-term schemes with affordable premiums made it highly attractive. The role of Life insurance corporation as an employer is also applaudable. It provides employment to many. More than all, many other insurance firms in India has benefitted out of the trust built by LIC.

Initial public offering

Finance Minister Nirmala Sitharaman announced a proposal to conduct an initial public offering for LIC in the 2021 Union Budget. The IPO opens on 4th May 2022 and closes on 9th May 2022. The Government of India will remain the majority shareholder after the public listing. Due to the scale of the offering and LIC’s ownership structure, the deal has been referred to as “India’s Aramco moment” in reference comparable importance and scale of 2019 IPO of Saudi Aramco. The latest development in the LIC IPO is the slashing of issue size from 5% to 3.5% of total equity of the company. LIC will open its IPO to the public on May 4 and the process concludes on May 9. Through this IPO, the Government of India, the sole owner of LIC, is now aiming to raise ₹21,000 crore, as opposed to raising between ₹65,000 crore to ₹70,000 crore by diluting 5% equity earlier, indicating more than 50% compromise on valuation as well. As per the IPO price band for 3.5% stakes for Rs. 21,000 crores, the valuation comes to around Rs 6 lakh crore.

RBI ACCOUNT AGGREGATOR FRAMEWORK

What will the future of banking look like in the Gulf? - Arabian Business

The Account Aggregator framework, introduced by the RBI, aims to make financial data more accessible by creating data intermediaries called Account Aggregators (AA) which will collect and share the user’s financial information from a range of entities that hold consumer data called Financial Information Providers (FIPs) to a range of entities that are requesting consumer data called Financial Information Users (FIUs) after obtaining the consent of the consumer.

For example, if a user wishes to apply for a loan, the lender (an FIU) will require access to the previous financial statements of the user – which reside with the user’s Bank (an FIP) – in order to check their creditworthiness. Here’s how an AA will facilitate the flow of information:

  1. The FIU will request the AA to share the desired financial information.
  2. The AA will request the user for their consent to share financial information with the FIU. The Account Aggregator must interact with the customer using either a web-based or a mobile app-based client.
  3. If the user consents, the AA will request the FIP (the User’s bank in this case) to share the financial information.
  4. The FIP will transfer the information, which will be encrypted, to the AA, which will then transfer it to the FIU.

Roles of each party:

  • Banks act as financial data providers. They supply the data required for Reserve bank of India to create a database of the account data and create reliable rankings.
  • Lenders act as financial data seekers. The lenders or financial institutions who provide fund to people acts as the seekers or demands the data aggregated by the Reserve bank.
  • Non-banking finance corporations act as mediums of communication between banks and lenders and they are the links.
  • Third-party service providers work with AAs.

Process

  • An individual or business opens an account with an account aggregator. Then, they link their bank accounts, insurance policies, etc. — which are accounts containing the customer’s financial data.
  • The customer can provide consent to a lender to access their financial data through the NBFC-AA.
  • After consent is provided, the account aggregator seeks permission from the financial data providers to access the customer’s data.
  • The data is sent to the account aggregator, which, in turn, empowers lenders to better evaluate the customer’s financial profile and risk associated with providing a loan.

Banks involved at present are:

These are the banks which act as the data providers:

State Bank of India

 ICICI Bank

Axis Bank

IDFC First Bank

 Kotak Mahindra Bank

 HDFC Bank

 IndusInd Bank

Federal Bank.

Advantages

  • Data scattered around the financial system can be made available under a single database.
  • This helps the institutions build a better understanding of potential customers and tailor their services accordingly.
  • It also enables the free flow of data between banks and financial service providers.
  • Helps financial institutions to make better assessment of creditworthiness of individuals and thus make better loan decisions.
  • Helps to eliminate the limitations of credit rating agencies.
  • Helpful for creditworthy customers

Disadvantages

  • It faces the issue of data privacy.
  • It is proposed as a self- Regulator framework, which would be an issue.
  • This data could be used for several other purposes.

World immunization week

Vaccination Tracker for COVID-19 | UL

After two long years of Covid 19 and its difficulties world is getting back to normalcy. Covid vaccines are the most important weapon which helped the human kind to defeat this virus which bought the entire world to a halt. Similarly, there are several instances when vaccines came to the rescue of mankind.

Recognising the significance of immunization, world health organization observes the last week of April as world immunization week every year. It aims to highlight the need for collective action to promote the use of vaccine. The theme for this year is “Life for all”. On this instance, let us learn more about vaccines:

What are vaccines?

A vaccine is a biological preparation that provides active acquired immunity to a particular infectious disease. A vaccine typically contains an agent that resembles a disease-causing microorganism and is often made from weakened or killed forms of the microbe, its toxins, or one of its surface proteins. The agent stimulates the body’s immune system to recognize the agent as a threat, destroy it, and to further recognize and destroy any of the microorganisms associated with that agent that it may encounter in the future.

The administration of vaccines is called vaccination. Vaccination is the most effective method of preventing infectious diseases widespread immunity due to vaccination is largely responsible for the worldwide eradication of smallpox and the restriction of diseases such as polio, measles, and tetanus from much of the world.

Even though vaccines have got all these positives many are still hesitant to get vaccinated. This is termed as vaccine hesitancy. The major reasons are:

  • Lack of confidence

Most of the times people will show hesitancy towards vaccine if they are not confident about the manufacturers. In order to solve this issue, the government has to ensure the general public about the reliability of vaccines.

  • Lack of sufficient testing

In some cases, vaccines may not be pre tested sufficiently before administering to the general public. In such instances government has to clarify regarding the surety of vaccines.

  • Illiteracy

Lack of knowledge among people also act as a barrier to vaccination drives. Due to ignorance people will not give importance to vaccine.

  • Religious and cultural beliefs

Some religions lay down restrictions to their followers in case of immunization. As a part of cultural or religious beliefs there exists some inherent resistance towards vaccination

  • Lack of access

Inaccessibility to vaccines also restricts vaccination process. Lack of health care services and facilities in remote areas prevents vaccination.

  • Inconvenience

Sometimes the long process and follow ups are difficult for people and many people find it inconvenient. In this case people should be made aware of the importance of vaccination. Also, efforts should be made to make the process less tiring.

  • Economic barriers

In many cases the vaccines are costly and downtrodden masses are unable to pay the price for vaccines. The government subsidies must be provided properly to solve this issue.

  • Future health implications

Some people don’t take vaccines fearing the health impacts in future. Believing the rumours many people fear to take loans.

  • Personal beliefs

The inherent beliefs and thoughts May also restrict people from getting vaccinated. Their political inclination and other such factors will affect this process.

Ultimately, it is the duty of general public to educate the hesitant population about the benefits of vaccination. The government should also play significant role in educating people and encouraging research.

So, let us work together and ensure a healthy life for all.

Features of buisness watsapp

watsapp which well known to people of all generations including kids,now a days it is main source of communication or intraction between people’s.

Now a days buisness are going online so meta company also introduced a best application for buisiness it is watsapp buisines, although everyone who are reading this blog are familiar with this application but please spend some of your valuable time in reading this in which we know best updated buisines watsapp Together with WhatsApp chatbot, WhatsApp Business is a very powerful tool for commerce. Thanks to many new features that the platform keeps on releasing, WhatsApp is becoming a great retail place, especially during remote times. Even if you are not going to build a WhatsApp chatbot, there

Let’s look closer at WhatsApp Business app features that you might enjoy as much as we do:

1. Business Profile
2. Quick Replies
3. Automatic Greeting Message
4. Automatic Away Message
5. Contacts Labels
6. Message Statistics
7. Catalogs

1.Business Profile

Create a business profile with helpful information for your customers, like your address, business description, email address, and website. Business accounts help brands to gain a user’s loyalty. A business profile gives the company a familiar “face” and identity. To have a “Verified” badge next to your company name, WhatsApp has to confirm that this is a verified business account.

Steps to add details about your business: Go to WhatsApp Business app – Open Settings > Business settings > Profile.

3.Quick Reply

These are frequent messages to answer common questions. Quick replies let you save and reuse messages you frequently send so you can easily answer common questions in no time. Simply press the “/” on your keyboard to select a quick reply and send.

3.Automatic Greeting Message

WhatsApp for business enables you to create a greeting message that users will receive when they start a dialog with your company or after 14 days of inactivity. By sending an instant message, you welcome and introduce a company to a new potential customer with no delays and waiting time.

Steps to set up a greeting message: Settings > Business settings > Greeting message. From here, you can create a new greeting message or edit an existing one.

4.Setting Away Message

Away messages are like greeting messages. They send a custom message to people who are trying to connect with the company after your working hours. You can write a custom message or send your working hours. You can set up for them to activate at the chosen time.

Steps to set up an away message: Settings > Business settings > Away message > “Activate away message                                     

You can also edit your away message from here and schedule when you want to send this message. You can choose from Always send, Custom schedule, or after your work hours

5.Label Contacts

Businesses can organize their contacts and categorize them with labels for easy access. This way, you can easily search through your contacts and keep them grouped and organized.

Steps to add a label to a new contact: Click the menu button on the client’s chat page > choose a label and then save.

Steps to add a new label: Click the menu button on the client’s chat page > click “ New label” > click save

6.Access Message Statistics

WhatsApp for Business lets you access vital metrics like how many of your messages were sent, delivered, and read.

Steps to access statistics: Tap the Menu button > Settings > Business Settings > Statistics

7.Catalogs and Collections

The other feature that will be beneficial for your business is Catalogs. They look like this:

Catalogue for bakery

For each item in your catalog, you can add information, including price, description, and product code. This is so much easier for your customers than having to ask you about each item separately or go from WhatsApp to the website.

In October 2021, WhatsApp added Collections to make shopping even easier. They will act as folders to group items inside a business account. Users can navigate to the category they’re looking for right away without scrolling through the whole product list.Once added, you’re free to modify the Collection just like items to keep the information up to date.

Pro Tip: think of collections as categories on ecommerce websites. “Last chance” or “Sale” could be as converting in WhatsApp as they are on the website. Using these on WhatsApp Business account means providing similar well-paved shopping experience.

@channa2021

Thank you for reading this blog i believe this is helpful to you

An Analysis of International Women’s Day

Credit: iStock Photo

Introduction

International Women’s Day is a global day celebrating women’s social, economic, cultural, and political achievements. The day also marks a call to action for accelerating gender parity. Significant activity is witnessed worldwide as groups come together to celebrate women’s achievements or rally for women’s equality. Marked annually on March 8th, International Women’s Day (IWD) is one of the most important days of the year to celebrate women’s achievements, raise awareness about women’s equality, lobby for accelerated gender parity, and fundraise for female-focused charities.

Theme for 2022

The campaign theme for International Women’s Day 2022 is “Gender Equality Today for a sustainable tomorrow”. Whether deliberate or unconscious, the bias makes it difficult for women to move ahead. Knowing that bias exists isn’t enough. Action is needed to level the playing field.

History of Celebrating this day

The roots of International Women’s Day lie in the mobilization of women in the early decades of the 20th century for better pay and voting rights. In India, the republic’s founders placed trust in universal adult franchise, the Constitution made the promise of equality to all citizens, irrespective of gender or caste. But the journey of Indian women since Independence has been a struggle to grasp that equality, against the formidable weight of culture, patriarchy and economic deprivation ranged against them. To mark March 8 is to reckon with the present in the light of this history. In the here and now, there are reasons for both despair and hope.

Aim for Celebration

The purpose of the International Women’s Day website is to support the supporters, and in doing so it provides a platform to help forge positive change for women. 

Three central beliefs underpin and guide the purpose and provisions of the International Women’s Day include

  • identifying, celebrating, and increasing the visibility of women’s achievements can help forge equality.
  • strategic collaborations based on a foundation of shared purpose, trust, and appreciation can impact positive change for women.
  • worldwide awareness-raising via meaningful narratives, resources and activity can help combat gender bias and discrimination to accelerate gender parity.

Conclusion

All days must belong to women — not just one day in a calendar year. There is little in that aspiration to quarrel with. But it is not an argument against marking and celebrating International Women’s Day. True, like all remembrances, it is prone to be turned into an empty token or made palatable, pink, and powerless. But the day exists as a reminder that gender equality is a work in slow progress. And to recall that the vast majority of women in India, whose labor and skills keep institutions running, from the home.

References

A Metamaterial that make use of Origami

Image by Drishti IAS

Introduction

A car that dashes against an obstacle suffer damage, first to its fenders. To be useful, materials need to maintain a constant Poisson ratio under pressure when they crumble under pressure. However, they are prone not to do so, and the Poisson ratio varies as they deform. There is a keen interest to develop materials that can be sandwiched in the fender system which will absorb the shock and prevent the interiors from being damaged. Origami metamaterials that crumple rather than tear, and take the impact, can play an important role in such situations.

What is Metamaterials?

Metamaterials are nano-engineered media with designed properties beyond those available in nature with applications in all aspects of materials science. A metamaterial is any material engineered to have a property that is not found in naturally occurring materials. They are made from assemblies of multiple elements fashioned from composite materials such as metals and plastics. Some examples of available metamaterials are negative-index metamaterials, chiral metamaterials, plasmonic metamaterials, photonic metamaterials, etc.

What is Origami Metamaterials?

Origami Metamaterials combine the Japanese art of paper folding (origami) and the existing material of choice and fold it to obtain desired properties. Researchers of IIT Madras have developed a special class of origami metamaterials that show a constant value of Poisson Ratio when subjected to stress. These are manufactured by joining panels along their edges to form ‘creases’ about which the structure locally ‘folds’ or rotates about. The benefit is that the observed property does not depend on whether it is made from a sheet of paper, polymer, or metal.  The material the researchers have developed has a nearly constant Poisson function in the range –of 0.5 to 1.2 over a finite stretch of up to 3.0 with a minimum of 1.1.

Properties of Metamaterials

They are smart materials that have a wide range of properties and can be so different from each other that there isn’t a definition for them. Some of the properties it possess are

  • Unusual Electromagnetic Properties
  • Negative Refractive Index
  • Acoustic Control
  • Invisibility
  • Negative Electrical Permittivity
  • Magnetic Permeability
  • Artificial Origin.

Application of Metamaterials

Metamaterials hold attention due to various applications it can provide. Some of its application includes

  • Optical Filtering
  • Medical Devices
  • Remote Aerospace Operations
  • Sensor Detectors
  • Solar Power Management
  • Antenna Lenses

Conclusion

Origami metamaterials can provide a platform for the design of systems with a wide range of thermal expansion coefficients. Experiments and simulations are combined to demonstrate that by tuning the geometrical parameters of the origami structure and the arrangement of plates and creases, an extremely broad range of thermal expansion coefficients can be obtained that will provide a wide variety of applications.

References

An Ultimate Guide to Health Day

Image taken from VectorStock

Introduction

The World Health Organization (WHO) was established on 7 April 1948. Realizing the significance of health for victorious life all over the world, World Health Day is celebrated every year on 7 April to commemorate the anniversary of the founding of the World Health Organization (WHO). The Canadian Ice Hockey Player Maxime Lagace once rightly said, “A life without good health is like a river without water”. While we appreciate such words of wisdom, we rarely understand the true meaning of such words since we rarely try to follow them in our lives. Human health is being adversely affected due to a hectic lifestyle, work and stress. World Health Day is celebrated every year to create awareness of the importance of health.

Aim behind Celebration

The main aim behind the celebration is to improve the level of health of people around the whole world. The idea is that every human being must get superior and essential health facilities at an economical rate. Millions of people around the world are prey to many terrible diseases. Hence, discussions and awareness on the topics like prevention of diseases and proper arrangement of the medical facilities etc. are also included as the main objective of Health Day. Awareness campaigns are organized at the district and block levels on this day to prevent vector-borne diseases.

Theme

Each year for this date, a theme is chosen that accentuates an area of priority concern for WHO. In the face of the current pandemic, a polluted planet, and an increasing incidence of diseases, the theme for World Health Day 2022 is Our Planet, Our Health. This call from PAHO, the WHO, and partners, presents a unique opportunity for a green and healthy recovery from the COVID-19 pandemic, that puts the health of individuals and the planet at the center of the action and fosters a movement to create societies focused on well-being.

Why this Theme?

 An estimated one million premature deaths per year are attributable to known avoidable environmental risks. Air pollution, contaminated water, inadequate sanitation including solid waste management, risks related to certain hazardous chemicals, and negative impacts of climate change are the most pressing environmental public health threats in the Region. These threats to public health are compounded by weak governance practices and potential inequities in health as well as by limited leadership, expertise, and resources in the health sector. This theme of Our Planet, Our Health should be a herculean reminder to us that the resolution of many of these issues is beyond the exclusive purview of the health sector and, as a consequence, an effective response will demand the whole- of- government and whole- of- society approaches.  

Conclusion

Today everyone’s jobs are such that they need to sit in front of a laptop for hours. Even after returning home, they are stuck to television screens or mobile phones. Children are seen watching TV or phones for a long time. This is the root cause of various diseases. People these days are so engrossed in their work that they have taken their health as secondary and rarely give attention until become sick. Everyone should give equal concern to their health and environment. Every human being should maintain a proper balance between physical and mental health. Children should take part in outdoor sports like cricket, football, and badminton instead of sitting at home for physical health. They should also be involved in planting trees, keeping our surroundings clean, and properly disposing of the materials to avoid environmental risks to our health. As, until our Earth is not healthy we can’t be healthy. World Health Day is celebrated to highlight the importance and create awareness of making our health a priority.

Reference

 

HOW THE BLOGS CHANGE THE LIVES OF PEOPLE?

“ Creativity is Intelligence having fun.” 

This quotation is indeed suitable for people who think to begin a career as a blogger. Firstly let us understand what exactly blogging is. A blog is an online journal or an informational website displaying information in reverse chronological order. It is a platform where writers or group of writers share their views on a particular subject. It was first started in the year 1994 when people used to share bits of their lives online and hence it became a great market of ‘Blogging’. Nowadays, there is also a new form of blogging called ‘Vlog’, which certainly means a ‘Video Blog’. Now, it is largely used by companies to promote their website and products. The main purpose of blogging is to reach the targeted audience. The more frequent your blog posts are, the more are the chances for the growth of your website. 

Now, here comes the question regarding the earnings of a blogger. So, let me tell you that bloggers do earn money but it is not that easy process that will make you rich overnight. It requires a lot of planning with patience and skills that catch the eye of the reader. 

A career in blogging demands a lot of patience as it is not to accomplish a feat within too short a time. Let me introduce you to the most famous blog. “ ZenHabits.net ” was founded by Leo Babauta and quickly became one of the most popular motivational blogs in the world. The blog covers topics like motivation, inspiration, finding happiness in the little things, being productive, and practicing mindfulness. A blog does not succeed overnight. It requires consistency towards your skills such as reading and gaining knowledge, learning new things and working on the ability to convert your beliefs and thoughts into words. If you become consistent and good at your work then with time you will start receiving offers from various companies which will kick start your career. 

Below is the list of the top ten highest-earning bloggers :

1. HuffPost: $500 million per year

2. Engadget: $47.5 million per year

3. Moz: $44.9 million per year

4. PerezHilton: $41.3 million per year

5. Copyblogger: $33.1 million per year

6. Mashable: $30 million per year

7. TechCrunch: $22.5 million per year

8. Envato Tuts+: $10 million per year

9. Smashing Magazine: $5.2 million per year

10. Gizmodo: $4.8 million per year

These blogs have not become successful overnight. It took great efforts and compromises from them to be at this level today. Indeed, blogging can change lives. A person who belongs to a middle-class family, where not many amenities are provided because of financial issues, develops an interest in content writing and finds out that he/she is good at it. One can make a career in this field as it is emerging nowadays. People who used to blog are now calling themselves influencers which is the same thing. They promote brands, put their thoughts into them and earn a great amount of money for their creativity which is also fun for them. 

Blogs not only change the lives of people who write or create them. It also changes the lives of people who read and follow them. Bloggers try to connect with the audience for their attention. The audience feels the connection between them and therefore tries to follow their words which creates a great impact on their lives. That is why content writers should also keep in their mind to bring out positive thoughts because there are millions of people whose lives are impacted.

In the end, I would quote that, “It’s not the life you are creating, it’s the lives you are impacting” 

India announces it’s first two cases of newly emerged Omicron Virus

Possibly, the worst covid variant named Omicron has been discovered in South Africa and has already spread to many other countries namely United Kingdom, Netherlands, Italy, Australia, Hong Kong and many others including India.The highly contagious virus Omicron was reported to WHO by South Africa on november 24 and has been designated as “Variant of Concern”. India reported it’s very first two cases of the virus on thursday itself in Karnataka. The Health ministry said that the patients are 66 and 46 years and no severe symptoms have been identified so far. Karnataka Chief Minister Basavraj Bommai said on thursday that the state will issue new covid guidelines and have been testing international travellers coming from at-risk countries after two people were detected with being affected with the virus. As part of new guidelines, the centre has made it mandatory to have a negative RT-PCR report for travellers coming from other countries. After India confirmed two omicron cases of the coronavirus in Karnataka on Thursday, there is some good news waiting in the wings. Government data shows that the Narendra Modi-led central government’s door-to-door vaccination drive, ‘Har Ghar Dastak’, has been able to boost Covid-19 vaccinations. With more and more people getting jabbed in the country, it might help in boosting people’s morale as the whole nation gears up to fight against the newly founded strain “Omicron”.

Mcaffeine Neem Face Wash

Mcaffeine Neem Face Wash Cleanser With Argan Oil & Vitamin E For Men And Women – 150 ml https://www.amazon.in/dp/B071X49GR9/ref=cm_sw_r_apan_glt_fabc_9B6RQWH965EW0W12D2T2

Factors used in this face wash are Caffeine, Neem, Argan Painting and Vitamin E. These all factor are skin-friendly. They not only clean your skin but also secure your skin. It’s extremely delicate to the skin, makes the skin smoother and vigour.

Greenberry Organics Detox activated Charcoal Face Wash

Greenberry Organics Detox activated Charcoal face wash for anti-pollution Oil control and anti-acne with the goodness of Tea tree, Mulberry and Grapefruit combo with Bio active Intense Night cream Unisex (100ml + 50ml) https://www.amazon.in/dp/B076PG55CF/ref=cm_sw_r_apan_glt_fabc_SFDCQPP9A8T30JCWP80Q

 Factors used in this face wash are Tea trees & fruits, charcoal and Vitamin c helps in keeping the skin healthy and soft. Makes the skin acne-prone and keeps it hydrated. Suitable for all types of skin.

Lotus Herbal Tea & Tree Anti Acne Face Wash

Lotus Herbals Tea Tree And Cinnamon Anti Acne Oil Control Face Wash, 80g https://www.amazon.in/dp/B0079Z7N3G/ref=cm_sw_r_apan_glt_fabc_D8N53Y620HHW1X1KDEBG

Lotus Herbals Tea Tree And CinnamonAnti-Acne Oil-control face Wash controls skin break out and lessens plenitude canvas without deserting any cleft- clogging buildup. It further controls sebum creation, lessens dry patches, and hydrates your skin. The cinnamon in it goes about as a natural constituent that evacuates dead skin cells and enhances blood income to make you look replenished and immature.

Clean & Clear Foaming Face Wash

Clean & Clear Foaming Face Wash For Oily Skin, 150ml https://www.amazon.in/dp/B00CI3HDMU/ref=cm_sw_r_apan_glt_fabc_HKAP31DH2V0G6FYKDJP1

A pomade-free facial cleanser that removes extra slick to help heal and avert boils. Formulated specially for gushy and combination skin types, this detergent flushes supererogatory canvas and contaminations. It helps combat papules and prevents them from returning. The detergent has a gentle formula suitable for everyday use.

Mama Earth Charcoal Face Wash

Mamaearth Charcoal Face Wash with Activated Charcoal & Coffee for Oil Control (100) https://www.amazon.in/dp/B07FPNW916/ref=cm_sw_r_apan_glt_fabc_dl_YSBZ7WZ30HTZNWR5C6K8?_encoding=UTF8&psc=1

Tired of the day-to-day struggle with gushing skin, choked pores, and dull skin? Bring back immaculate skin that looks immature and canvas-free with the power of Cranked Charcoal &Coffee.Crafted with the integrity of nature, Mamaearth Charcoal Face Wash pulls out poisons and contaminants from deep within the pores. The integrity of Coffee tightens skin pores and promotes yea skin tone to give you an canvas-free glowing complexion.