Amit Shah has disappeared when India is a facing the COVID-19 pandemic like disaster & Home Minister is responsible for law & order & National Disaster Relief Force. But, in spite of coronavirus being in its stage 3 Amit Shah is nowhere to be seen.

If Rahul Gandhi goes for a vacation despite not being in power it’s becomes headlines.

The mastermind behind every toppling of different state governments & Modi’s moves is missing and no one cares?

His silence seriously speaks volumes & symbolizes more autocratic planning going on. Don’t know what’s more left, for our nation to face. But, more autocratic disasters are coming soon.

The lockdown will be used as a planning period as well besides the execution of pre planned disasters.

Never take fascist’s silence for granted. Silence preaches violence in the mind of fascist. Devil works in the dark you see. And I am serious about it. I mean am the last person to believe this lockdown is just for coronavirus, fascists never do something without self motive.

With democracy already being in the helm of its destruction, the Modi Shah duo is in a intrinsic combination of mutual stupidity and authoritarianism. It’s no secret that Amit Shah is more vicious and cunning than the latter.

Patriotism is mysterious as well as terrible. Truth and the devil are fighting there, and the battlefield is the heart of man.

In an era of sadomasochistic politics, where institutions have legacy with worms stinking upon it, opposition is sleeping and the media is a herd of cattle, the unexpected and sudden silence of the devil is welcoming more deadly endeavors at the feet of our nation. And the lockdown above all will serve as an advantage.

IMF recently remarked that the world has entered into a global recession, India which was already in a stagnant stage, will be doubly effected by the coronavirus epidemic even more. The country whose economy has been anyway falling due to consumption denial, not only due to low income and unemployment but also due to very anticipation of punitive hard and fast measures taken by this present government, will have a double effect on the reduction of demand and supply in the market.

The government of India which anyway is nurtured by the false notion that democracy means my ignorance is as good as your knowledge, has a disdain for knowledge and intellect. Nothing more can anyway be expected from a government of misogynist men holding fake degrees.

Nirmala Sitaraman too has no idea as to how to handle the falling economy, and is reluctant of giving money in the hands of people which could have solved the problem of consumption denial.

India anyway a nation whose challenge of secularism is always unfulfilled, the rise of Hindutva nationalism and intolerance post 2014 in recent years has doubly subjugated the narrative.

However, the Shaheen Bagh Revolution and people’s outrage has certainly given a sense of denial to the idea of an overlapping religious extremism to democratic values.
Shah’s tactics, no matter how well they be planned and calculated have lost the Delhi Election during the nationwide outrage over citizenship laws. It was then however, greeted with a deplorable state sponsored genocide, a pogrom which India never expected to witness.
This shows the frustration and anger of a government and its inability to accept difference and defeat. Such a man, will certainly be the first person to take the advantage of a lockdown. But, having mentioned before, Shah isn’t a fool, he knows how religion card played out, he knows what the economy’s status is.

The best part of coronavirus pandemic is that it’s effecting the lives of all of us, and not a particular community or group of people. Hence, the mirages of divisions of society such as religion and the dilemma of nationalism might not get completely destroyed but will get rusted. And Shah knows that. Shah knows, in such a situation, when the curfew gets over, the country’s center of attention would be the economy, with a even more compete attitude, because all of our lives, to a certain extent will be effected with an obvious economic strain. The devil will no longer get away by citing scriptures for it’s purpose.

Shah isn’t an idiot to witness that mood of the nation, with impuissance of hiding the treachery of governance he and his government has done. One won’t have any gain saying, that Shah isn’t prophetic of India’s political landscape.

He knows when people stop being convinced for him to take the proverbial straw of confusion and rage. It’s been 3 months of a new decade, and 6 years of bjp’s governance, most of us are already exhausted, by the repeated reprehensible assault of democracy. But, when we can have the audacity to elect an illiterate as the Prime minister and a women snooper as the Home minister, just because the opposition isn’t pseudo capable, then the moronic educated illiterates of our nation deserve to face its consequences.
What you have seen till now, is still a teaser. The real game hasn’t started. Mark my words. And read this blog once again, after two years to remind yourself, of this perfidy.

The post If Rahul Gandhi Goes For A Vacation Despite Not Being In Power It’s Becomes Headlines, But The Home Minister Amit Shah Is Missing And No One Cares? When The Nation Is Facing COVID-19 first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

Just recently we saw superstar Akshay Kumar announce that he has donated Rs. 25 crores to the Fund for this cause. The actor mentioned that this is the time to do all that one can to help out others. Taking to his social media account, Akshay shared, “This is that time when all that matters is the lives of our people. And we need to do anything and everything it takes. I pledge to contribute Rs 25 crores from my savings to @narendramodi ji’s PM-CARES Fund. Let’s save lives, Jaan hai toh jahaan hai.”

Along with Akshay Kumar, there was also an announcement made by ace filmmaker, T-Series head honcho Bhushan Kumar that he will also take part in this cause by pledging to donate a sum of Rs. 11 crores to the organization founded by our PM. Bhushan Kumar wrote on his Twitter account, “Today, we are all at a really crucial stage & it’s extremely important to do all we can to help. I, along with my entire @TSeries family pledge to donate Rs. 11 crores to the PM-CARES Fund. We can & will fight this together, Jai Hind Flag of India @PMOIndia @narendramodi #IndiaFightsCorona”

Apart from these two industry stalwarts, we have several other members from the Bollywood fraternity as well as other cinema streams who are playing an active part in this cause. Like always, the film industry has come together to make sure that they aid the people of our country in any way that they can. By taking these positive steps, they have also encouraged many others to do the same. With the help and support of our esteemed film industry members and the government along with the masses, our country, and the rest of the world, will not only fight strongly against the pandemic of COVID-19 but also come out on the other side as winners.

The post Bollywood fraternity steps up to support the fight against COVID-19 first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

The post Mumma’s Boy Kartik Aaryan has a cute request for Ekta Kapoor first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

The head honcho of T-Series and producer, Bhushan Kumar, took it upon himself to entertain his followers by sharing his favourite songs from his playlist. Taking to his Twitter account, Kumar informed his fans, “‪Since we are all at home in this 21-days lockdown, I’ve curated a special @Tseries playlist to help you guys get through this time. Head to my Instagram stories and the link below to know more and tune in every Monday to know what’s #OnMyPlaylist for the week!”

Tagging the activity as #OnMyPlaylist, Bhushan Kumar will be sharing a playlist every Monday on his official Instagram handle as stories.

This week the music enthusiast shared Agar Tum Saath Ho from Ranbir Kapoor and Deepika Padukone starrer Tamasha, Sun Raha Hai and Tum Hi Ho from Aditya Roy Kapur and Shraddha Kapoor starrer Aashiqui 2, Tujhe Bhula Diya from Ranbir Kapoor and Priyanka Chopra starrer Anjana Anjaani, Thodi Jagah and Tum Hi Aana from Marjaavaan, Pee Loon from Once Upon a Time in Mumbai, Sanam Re’s title track, Vicky Kaushal and Nora Fatehi’s Pachtaoge and Emraan Hashmi’s Main Rahoon Ya Na Rahoon as his moody melodies playlist.

Well, the talented music man and producer has had a knack of bringing forward engaging content, be it films or songs. It has definitely left his fans more intrigued about what will be next on his playlist!

The post Bhushan Kumar creates a playlist to beat the lockdown blues! first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

Now with 21days of the Quarantine period, people are getting to spend more time at home and Avinesh is making the most of it. Only recently in a very sweet photograph, the actor was seen repairing his daughter Avira’s toy kitchen set. In the photograph, a burly Avinesh is seen repairing a tiny cabinet as son Anraj looks on.

Talking about it, Avinesh said, “Daughters are blessings to their fathers, and I am blessed to have one. Due to my busy shoot schedule, I was missing these precious moments with my daughter and my family. Spending time with them is like a stress buster and time just flies. I hope everyone is staying home, staying safe and spending these tough times with their loved ones.”

The post Avira is totally a daddy’s girl says, Avinesh Rekhi first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

The post Don’t Panic About COVID-19, India Can Easily Conquer: Padma Bhushan Dr D Nageshwar Reddy first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

RBI has made a crpytic statement that has been read something like: You don’t have to pay EMIs for three months.

This is a misconception. RBI said nothing of the sort. Firstly, if you are planning to not pay up your loan or credit card bill, there will be consequences and in credit cards, very hefty consequences. Now, let’s go to the heart of the matter.

What do you mean? Didn’t RBI say no EMI for three months?
No. They didn’t say that at all.

What have they said?

The official line is:

In respect of all term loans (including agricultural term loans, retail and crop loans), all commercial banks (including regional rural banks, small finance banks and local area banks), co-operative banks, all-India Financial Institutions, and NBFCs (including housing finance companies) (“lending institutions”) are permitted to grant a moratorium of three months on payment of all instalments1 falling due between March 1, 2020 and May 31, 2020. The repayment schedule for such loans as also the residual tenor, will be shifted across the board by three months after the moratorium period. Interest shall continue to accrue on the outstanding portion of the term loans during the moratorium period.

It means a few things:

Banks have the right (but not the obligation) to allow a moratorium of three months. Means your bank may not allow it, but my bank may. This applies to term loans (in a subnote, they include credit card dues but that’s a bad idea, we’ll discuss later). This will include home loans, personal loans, car loans, educational loans etc. – anything that has a fixed term. It does not include overdraft accounts, unless that is given as a working capital loan, where they can defer collection of interest for three months.
Interest will continue to accrue. Meaning, you’ll pay interest on the outstanding loan.

Wait. You mean there’s no waiver of interest? How does that work?
Consider this. You have a home loan of Rs. 50 lakh at 8.5% interest for 10 years. The EMI is Rs. 62,000 (approximately).

You have to pay the first installment in April, but you choose to take the moratorium. This means the principal of Rs. 50 lakh attracts interest at 8.5%/12 = Rs. 35,000. So your loan amount at the end of April is Rs. 50,35,000.

You don’t pay in May. Interest applies on the FULL amount of 50.35 lakh now, so it’s a little closer to Rs. 36,000 in May. The total outstanding becomes Rs. 50.71 lakh. After three months, your new principal is Rs. 51.07 lakh. Effectively you’ll have about Rs. 1 lakh in extra interest to be paid to the bank.

The loan stretches three more months at the end, but this Rs. 1.07 lakh extra is additional so either you have to increase the EMI, or something else.

What something else?
After three months, you can pay this Rs. 1.07 lakh to the bank and start back from 50 lakh. Or, you can request the bank to cut your loan interest rate – a cut by 0.5% to 8%, but retaining the same EMI after three months is good enough to cover your payment over the remaining period of the loan.

But wait, I don’t want to pay extra interest. That’s nonsense.
That’s why I say this: Pay if you can afford to. Don’t pay interest for some RBI statement.

Even if your bank doesn’t take your money, does not cash in the ECS mandate, or doesn’t use your cheque, you should pay it up. Only if you can’t afford it because of cash flow issues, should you consider not paying.

What if I want it and the bank’s not giving me a moratorium?
SBI has already said they’ll offer it by default to their customers.

Talk to them. They might listen if they are a good bank. If not, you risk them taking your house (in case of a home loan). On personal loans, you can request them to delay but in the shorter term loans, you basically pay so much more on this extra interest that it’s not worth it.

Either way, you can’t force the bank to do this. The RBI has left it to the bank to decide. But at least they have said the criteria to give such a moratorium needs to be objective (not subjective) so if you meet the rules, you will be given the extension.

There’s no relief here!
It’s a cash flow relief. Not an interest waiver. Interest waivers have to be given by the government, not the RBI. And the government doesn’t seem to have the money. The relief is that in case you take the moratorium you will not get reported to CIBIL as a defaulter. Useful to get more loans or for your credit history. In other circumstances, if you had trouble paying and asked for the same extension, you would be a “restructured loan” or worse, a “non performing asset” – and that will hurt both the bank and you. The bank has to put more capital against your loan for having restructured it, and you might find it difficult to get loans since a restructure is equivalent to a bad mark on your credit score.

What about Credit Cards?
If you think you can avoid paying this month’s credit card bill, think again.
Credit cards charge a horrendous 36%+ interest per year. A skipped credit card bill means such interest will accrue. Even if there is a moratorium. Then, things get worse. Every subsequent purchase on the credit card will get charged interest from day 1! There is no interest free period once you have any outstanding bill unpaid after the due date.

And then, even worse. Credit cards have notoriously high fees and penalties for late payments. While the RBI has allowed a moratorium it says nothing about waiving such fees or penalties. Even that gets added to your bill.

Finally, the killer. Credit card interest gets charged an additional 18% GST.

In short, don’t do it. Do not revolve a credit card bill even if RBI shouts moratorium from the rooftops.

(Convert it to a personal loan, if you’re in trouble. )

So I can do this on a credit card anyway – pay the minimum and revolve the rest. What relief is this?

Not much, agreed. But at least this will not reflect badly on your credit history. Otherwise credit card users don’t get anything else.

Can I take a loan and take a moratorium on it?
Good try. But no. Because the moratorium will only apply to loans that existed on March 1. Now, unless you have a time machine… If I had a time machine I wouldn’t need a loan. Such smart thinking is why I’m proud of you.

Anyways, is there any reason to use the moratorium on any kind of loan?
There is. Say you’re a business with a term loan of say Rs. 1 cr. of which you were paying back with say 5 lakh a month on EMI.

The business has no income because you have used the money to buy raw material, but building the product is on hold due to the lockdown. Your customers are okay – they are happy to pay you once you can deliver, so you know you’ll get the money – say the money was supposed to be Rs. 15 lakh per month.

You can then hold off on the EMI for three months. After three months, you should have restarted work, and you’ll get the payments of Rs. 15 lakh a month and keep paying Rs. 5 lakh a month back to the bank as a loan.

However, the moratorium would have cost you roughly Rs. 300,000+ (3 lakh+) assuming a 12% interest rate. You can pay that extra cost for getting allowed a delay. And it also means your credit score is not hurt, even though your business is.

I’m furious. This is not what most other people are saying. I thought no EMI meant…. A moratorium means this no matter when it’s said. Educational loans are like that – don’t pay while you’re studying (but interest will accrue) and start paying back after you get a job. The idea of a moratorium isn’t to give you an interest free period, it’s to help with cash flow. A student won’t have income, so asking him to pay while getting educated is a little silly, so he gets a moratorium until he gets a job.

Plus, remember, if the bank had to waive interest, then it wouldn’t pay any interest on its deposits either. But that is not acceptable to us that our fixed deposits earn no interest. So you can’t have a one-sided argument – so the banks will not waive interest.

We know there’s a lot of misconceptions about this rule. It may still require further clarification from the RBI.

(The author is CEO of Capitalmind, a SEBI registered portfolio manager)

The post RBI’s EMI Misconception: Is Modi Government Taking Care Of People? Pay If You Can, Because It Is Not Exactly Relief first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

Elaborating about the initiative, Pranitha Subhash says “Our daily wage workers, our house helps, municipality workers, construction workers, auto walla etc are finding it very very difficult right now because they have no source of income. The Government is doing their bit but I still think that all of us should come together & help them. It costs about Rs 2000/- through this crisis per family & I on behalf of Pranitha Foundation I will be supporting 50 families but it is a very small number in the big picture.  Pranitha Foundation has joined hands with the LogicalIndian and Efforts4Good and started an initiative #HelpTheHelpingHands. We are planning to support about 500 families & for this we need your support. Please come forward & donate. Even if you can support one family, it will make a big difference for all of us. The funds will be used by the families to buy medicines, ration & other basis supplies”.

The post Hungama 2 actress Pranitha Subhash’s initiative #HelpTheHelpingHands first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

“This unfortunate situation of Coronavirus has lead to many workers & their families sleep empty stomach. As instructed by PM Modi ji they are also adhering to self quarantine. I request people to please provide them with basic necessities. This is the time to selfless not selfish” says Ms Patil. Harshada also mentions that there are many programs floating around which are dedicated to help these workers. She urges everyone to do their research & help the program they believe in. “Apart from these daily wages workers, please pay your house help their wages even if they aren’t coming in. It will feed their families” adds Harshada.

The post Harshada Patil requests people to help the daily wages workers first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.

The post Free ‘21-Day Weight Loss Program’ by Shilpa Shetty App first appeared on Latest News, Breaking News, National News, World News, India News, Bollywood News, Business News, Politics News, Sports News, Entertainment News - CineBuster.