How UIDAI protect Aadhar privacy by ‘Virtual ID & Limited KYC’?

Do you really worried about the safety of your sensitive, personal information of Aadhaar data? Unique Identification Authority of India (UIDAI) has come up with a solution termed Virtual ID, in an attempt to eliminate possibilities of such data breach and misuse. 

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This significant attempt has been taken out by UIDAI in regards to the safety of the citizens of the country. The Unique Identification Authority of India (UIDAI) has introduced two new features Virtual ID and limited KYC (Know Your Customer) to limit the use of the 12-digit code for strengthening the privacy and security of Aadhaar number holders, which Aadhaar cardholders can generate from its website and use for various purposes, including SIM verification, instead of sharing the actual 12-digit biometric ID.

Vital facts about Aadhaar Virtual IDs

How to create Virtual ID?

  • The Virtual ID will end the need to share user’s Aadhaar number at the time of authentication. The ‘Virtual ID’, which would be a random 16-digit number, together with the biometrics of the user, would give any authorized agency like a mobile company, limited details like name, address, and photograph, which are enough for any verification.
  • The ID can be generated as many time as possible.
  • The older ID gets automatically canceled once a fresh one is generated.
  • Users can go to the UIDAI website to generate their virtual ID which will be valid for a defined period of time, or till the user decides to change it.
  •  This ID will be used to authenticate Aadhaar users through a new authentication method that UIDAI is calling Limited KYC.

How ‘Limited KYC’ acts?

  • The UIDAI has also introduced ‘limited KYC’, under which it will only provide need-based or limited details of a user to an authorized agency that is providing a particular service like telecom operators.
  • Limited KYC will allow agencies to do their own paperless KYC process without access to the Aadhaar number. This will eliminate agencies storing the Aadhaar numbers of users in their databases.
  • The ‘Virtual ID’ will be a temporary and revocable number mapped to a person’s Aadhaar number and the Aadhaar-issuing body will start accepting it from March 1, 2018.

Only users can generate ID

  • As per the UIDAI, agencies that undertake authentication would not be allowed to generate the ‘Virtual ID’ on behalf of the Aadhaar holder.
  • The UIDAI is instructing all agencies using its authentication and eKYC services to ensure Aadhaar holders can provide the ‘Virtual ID’ instead of Aadhaar number within their application.
  • As many as 119 crores biometric identifiers have been issued so far and Aadhaar is required as an identity proof by various government and non-government entities.

 For instance, the government has made it mandatory for verifying bank account and PAN to weed out black money and bring unaccounted wealth to book. The same for SIM has been mandated to establish the identity of mobile phone users.

Caution

From June 1, 2018, it will be compulsory for all agencies that undertake authentication to accept the ‘Virtual IDs’ from the users.

Agencies that do not migrate to the new system to offer this additional option to their users by the stipulated deadline will face financial disincentives. 

 

 

How to post your Instagram Stories directly on WhatsApp?

You can Soon post Instagram Stories directly on WhatsApp!

Do you love Instagram Stories, WhatsApp Status, and Facebook Stories too? You would be happy to know that an Instagram story can be shared on WhatsApp and Facebook too.

Facebook-owned popular image and video sharing platform, Instagram might soon allow users to post their Instagram ‘Stories’ directly as a WhatsApp Status. Facebook CEO Mark Zuckerberg has announced that ‘Instagram’ Stories’ and ‘WhatsApp Status’ both now have 300 million daily active users.

The features, which are the clones of rival app Snapchat, now boast numbers almost twice the size of Snapchat that has 173 million daily active users. Facebook is currently testing the feature for sharing Instagram Story on WhatsApp.

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 Facebook introduced new feature

Recently, Facebook created another feature to help you discover photos uploaded by friend and family who may have forgotten to tag you. The social media giant is basically using facial recognition technology to help you find photos you’re not tagged in. This feature also helps you know when others might be using your image as their profile picture.

How to share Insta Stories on WhatsApp?

 You can share Instagram Stories that has improved pictures, GIFs, and videos on WhatsApp without worrying about encryption. The feature would allow users to post photos, GIFs, and videos enhanced with emojis and stickers.

 Instagrammers would see an option to share Stories to WhatsApp on the Instagram sharing screen. They need to click “send” to post their Stories.

The Stories shared as WhatsApp Status will appear on the status bar and disappear after 24 hours. Like other messages on WhatsApp, the Instagram Story that you will share will be encrypted too.

Instagram launched a new feature

Recently, the photo-sharing app Instagram introduced a new feature which enables users to follow Hashtags, following a hashtag is just like a following a friend, just search for a topic that fascinates you and taps any hashtag that is visible, and on top of the results page, you will see a follow button.

According to Instagram, the feature makes it easier for users to discover photos, videos and people on its platform. If you follow a specific hashtag, you will see relevant posts from the same hashtag in your feed and the Stories bar. Users can also unfollow these hashtags if they don’t find them relevant anymore.

You will also be able to see all the hashtags your friends follow just like how you can see which accounts they follow. However, Instagram reassures us that you can change your privacy settings to make sure only your followers are able to see those lists.

Instagram Stories can also be shared on Facebook

 The Instagram story can be shared on Facebook too. However, the feature currently is only available to Instagram users in the US.

Why Facebook creating this?

 With this new feature, Facebook is trying to expand Instagram Stories and WhatsApp Status user bases and enhance customer experience.

Facebook CEO Mark Zuckerberg said Instagram Stories has 300mn daily active users (DAUs).

The feature would help Stories generate more traffic, especially in markets where WhatsApp is more popular.It would help increase the usage of WhatsApp Status feature, which also has over 300mn DAUs.

Caution

The official launch of the feature would happen soon, no timeline has been revealed. As of now, Facebook is only testing this feature with a few users. There is no word from the company about when it will be rolled out to all its users. 

 

Why you failed always to book a Tatkal train ticket?

Why you couldn’t get Tatkal Train Ticket but your agent could?

Whether its any festive or New year celebration, you always plan your holidays trip at various destination within the country by Indian Railways rather by choosing to invest in costly air tickets.

Now during online booking of Railway tickets when you fill up your details you get that all the seats under Tatkal quota gets full within minutes of start of the booking and you immediately call up your travel agents and then you have to pay them a sum of somewhere between Rs 500-Rs 5000 as a commission for a confirmed tatkal ticket.

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My first question is have you ever noticed that how the travel agents always manage to reserve a seat under the tatkal category on the Indian Railway Catering and Tourism Corporation (IRCTC) website while you failed even after your hard try?.

Now my second question is, its not like that only during festive season there is a rush for booking tickets while you may notice even during off-seasonal periods the Same reply you used to receive from the agents and when you ask them that why there is always a scarcity of Railway tickets around the whole year then they very smartly skip your query but after you arrive at the particular berth of the compartment, you will notice that many vacant berths are still there for travel.

More surprising used to be the fact that some of the ticket agents were able to book the same confirmed tickets from their end. For this, these agents charged extra money. However, the customers complain bookings are either rejected or they get a wait-listed ticket that too at a very steep price.

Did you ever wonder why such issues? What was the game all about? The answer is very simple because there’s a big Scam running behind it. Let me reveals the bitter truth behind the scene.

Who is behind the SCAM?

Ajay Garg, ex-IRCTC employee and presently working with the CBI, was the kingpin of this entire network for developing an illegal software which he sold to the travel agents who then booked 800 – 1000 tickets at one go. Anil Garg along with numerous other persons has been running this racket for the past one year. Garg had worked with Indian railways since 2007-2011 and understood the vulnerabilities in the website. This helped him loot the Indian Railways and the common people.

The Central Bureau of Investigation (CBI) on Wednesday 27th December arrested the techie, Ajay Garg, from Delhi after it was found that he played a big role in a racket that duped the entire Tatkal system.

The CBI official said “It was alleged that Garg had developed an illicit software for duping the Tatkal ticket booking system being run by the IRCTC and conspired with Anil Kumar Gupta. They indulged in distributing the software to private persons for their unauthorized use for a hefty consideration”. Garg was allegedly the brain behind one such illicit software which allowed the ticket agents to book hundreds of Tatkal tickets with a single click of the mouse.

Along with Garg, CBI has also arrested Anil Gupta, who worked on the front while the former remained veiled. CBI has said that Gupta was responsible for developing and distributing the software to agents for a price. Besides Gupta, Garg’s family members are also alleged to be involved in the scam. Garg’s parents, wife, sister, and brother-in-law are believed to be instrumental in making collections from travel agents using his software.

How Garg learned those frailties?

The thirty-five-year-old Ajay Garg had joined the CBI in 2012 through a selection process and has been working as an assistant programmer. Earlier, he had served with IRCTC, which handles ticketing system of the railways, between 2007 and 2011. The CBI probe has found that Garg learned the vulnerabilities of the IRCTC ticketing software during his tenure there, which he exploited in his software.

How agents charged extra money?

After failing to book tatkal tickets, passengers would go to the travel agents to secure a berth in the trains departing the next day. Under Tatkal Booking system, a premium quota for the tickets opened at 10 am for AC class and 11 AM for non-AC coaches for the trains departing next day. Under the scheme, a fixed number of seats, in each coach, are sold at a premium by the railways to travelers who need tickets urgently.

The travel agents would approach Garg who would book the required number of berth through the fake website. The travel agent would then charge the passengers somewhere between Rs 500-Rs 5000. Even some travel agents offer to provide confirmed tickets under the quota by charging a premium, over and above railways prices.

How they collect the payment?

Well, it’s another surprising that Garg collected the money in the form of bitcoins and through hawala channels to avoid scrutiny.

Through the software, Garg was allegedly able to keep the statements of tickets booked by the agents and charged them on per ticket basis, in addition to the cost of the software.

The recovered treasures after searching

The CBI has carried out searches at 14 locations in Delhi, Mumbai and Jaunpur during which it recovered Rs 89.42 lakh in cash, gold jewellery valued at Rs 61.29 lakh which include two gold bars of one kilogram each, 15 laptops, 15 hard discs, 52 mobile phones, 24 SIM cards, 10 notebooks, six routers, four dongles and 19 pen drives. The security agency has also arrested 10 agents, seven from Jaunpur and three from Mumbai in this connection so far.

The Indian railways already have an ongoing drive against ticket-less travelers and such illegal ticket booking, which creates artificial shortages of tickets.
“Minister of Railways Piyush Goyal has now further ordered to continue this drive and identify similar cases which are causing inconvenience to genuine passengers”.

So hope the coming year will really bring a relief for online booking of Tatkal Railway ticket. 

 

Why WhatsApp will stop working on BlackBerry OS, Windows Phone 8.0 after Dec 31, 2017?

With the end of this year (December 31), 2017 WhatsApp gives the shocking news of ending its service for several smartphone platforms. The Facebook-owned company has confirmed this via its official blog post. So the countdown starts for some mobile platforms when it comes to WhatsApp updates.

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The messaging service will end support for operating systems from BlackBerry OS, BlackBerry 10, Windows Phone 8.0 and older devices, and Nokia S40 will not be able to use WhatsApp properly after December 31, 2017. This means that users using mobile phones running any one of these platforms will not be able to use WhatsApp after this year. WhatsApp says users on these particular platforms will not be able to create new accounts, nor re-verify existing accounts once the company ends support. End of support does not mean a user will lose access to their WhatsApp account. WhatsApp says users can continue using the app on their phone, but should not expect any future security updates or new features.

While Windows 8 will get axed once 2018 starts, WhatsApp will continue support for Windows 8.1 version and higher devices, even though Microsoft itself has admitted that Windows Mobile is dead. In BlackBerry’s case, the company has itself confirmed it will no longer be manufacturing or launching new smartphones, and the BlackBerry 10 and BlackBerry OS have been abandoned. Instead, new BlackBerry-branded phones are now manufactured by China-based TCL and powered by Android OS. So WhatsApp ending support for the BlackBerry platform is not surprising.

The company said “We will no longer actively develop for these platforms, some features may stop functioning at any time,” WhatsApp said. “These platforms don’t offer the kind of capabilities we need to expand our app’s features in the future. If you use one of these affected mobile devices, we recommend upgrading to a newer OS version, or to a newer Android running OS 4.0+, iPhone running iOS 7+, or Windows Phone 8.1+ so that you can continue using WhatsApp,”

This is not the first time that WhatsApp is ending support for old mobile platforms. In February last year 2016, also the company had announced a list of devices/platforms that it ceased support for. These included Android 2.1 and Android 2.2; Windows Phone 7. The list also had a version of Apple’s mobile operating system iOS, iPhone 3GS/iOS 6. This list also included BlackBerry OS and Nokia S40 platform, the date for these was later changed to June 2017 and then this deadline was further updated to December 31, 2017. This means these platforms have already received extensions twice.

These are the mobile OS that would stop supporting WhatsApp by the end of this year:

— Nokia Symbian S60 after June 30, 2017

— BlackBerry OS and BlackBerry 10 after December 31, 2017

— Windows Phone 8.0 and older after December 31, 2017

— Nokia S40 after December 31, 2018

— Android versions 2.3.7 and older after February 1, 2020. 

 

 

How to stop WhatsApp from Auto Downloading on Android, iPhone?

WhatsApp has close to 1.5 billion users globally, with India being among its top markets. WhatsApp has over 200 million users in India alone. In fact, it is probably one of the first apps anyone in India downloads when they get a new smartphone as it has become the default means of texting in the country. Due to the increasing popularity of the chat app has made it compatible with the messaging. SMS sounds old and outdated now.

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Besides text conversations, WhatsApp is also a place where people share a ton of photos and videos. Both photos and videos get auto-downloaded on iOS. However, it can become an annoyance too when the chat app automatically downloads all those stupid memes, audio files, videos, and photos. These not only clutter your phone’s gallery and music player but also eat up a lot of storage and data. Here’s how you can stop WhatsApp from automatically saving photos and audio on your phone.

How to Stop Auto Downloading and Saving Pictures, Videos and Other Media on Whatsapp for Android phones:

If you are an Android user, open your WhatsApp, go to Settings>Data and storage usage>Media auto download. Now uncheck all the three boxes under the Media auto download- when using mobile data, when connected to Wifi and when roaming.

Step by step guidance:

  1. Open WhatsApp, make sure you are seeing the main window – where all your chats are displayed. Tap the three vertical dots on the top right > Settings.
  2. Now tap Chat settings > Media auto-download. You’ll see three options: When using cellular data When connected to Wi-Fi and When roaming. Tap each one and disable auto-downloads by unchecking all three options – Images, Audio and Video.

To view photos, you will have to download them. When you do, WhatsApp saves them in a folder, and you can get inundated with stupid memes and other unwanted content, which is visible to anyone who open’s your phone’s Gallery App. However, it is possible to stop these photos from appearing in the Gallery app. Here’s how you can do that:

  1. Download Quickpic and open the app.
  2. Navigate to the WhatsApp media folders. The location of the WhatsApp folder varies across devices but it should typically be the following: Internal Storage (sometimes labelled sdcard0) > WhatsApp > Media > WhatsApp Images, > WhatsApp > Media > WhatsApp Audio, and WhatsApp > Media > WhatsApp Videos.
  3. Long-press the WhatsApp Images folder and make sure that it is selected. Do the same with the WhatsApp Video and WhatsApp Audio folders.
  4. After selecting the three folders, tap the three dots icon on the top-right > Hide. This will ensure that the Gallery app doesn’t show them. You can still view these images and videos within WhatsApp and through any apps that let you view hidden folders. But if you pass your phone to someone, you no longer need to worry about them seeing the WhatsApp photos and videos through the Gallery app.

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How to Stop Auto Downloading and Saving Pictures, Videos and Other Media on WhatsApp for iPhone:

iPhone users can also de-clutter their phone from annoying audio file, videos, and photos. Open WhatsApp>Settings>Data and storage usage. Now check the Never box for photos, videos, audio, and documents.

Step by step guidance:

  1. Open WhatsApp and tap the Settings button at the bottom-right, and tap on Data and Storage Usage
  2. In this menu, you will see the Media Auto-Download option on top
  3. For Photos, Audio, Videos, and Documents, select the Never option.

Now only the files you choose to download manually will appear on your phone, and you can even choose to stop the photos and videos from appearing the phone’s Camera Roll. All you need to do is to go to Chats in the Settings menu, open the Save to Camera Roll menu, and turn it to off. This stops the pictures people are sending from showing up in the camera roll and taking over your synced Photo Stream.

Few quick points to save mobile data and phone storage when using the WhatsApp:

  • Stop auto-download of heavy files. Videos are entertaining but hog a lot of space on your phone. You can always set the auto-download for such videos when on WiFi.
  • Allow chat back up but only on WiFi. WhatsApp stores all your text chats and images. While this is an important feature as it allows you to retrieve your photos later from Cloud, backing up on mobile data can eat up your mobile data. So try doing it only on WiFi.
  • WhatsApp has an option where you can view your contacts and how much space each is taking. Go to WhatsApp> Storage and data usage>Storage usage.
  • Now you will see all your recent chats along with the space each is consuming on your phone. Select the chat>Manage messages>Clear messages.

Low data usage for WhatsApp calls:

WhatsApp also has an option to lower the amount of data it uses during WhatsApp voice calls. Open WhatsApp>Settings>Data and storage usage> Low data usage.

Hope the above sharing will definitely help you to save your Smartphone’s storage from mess up by unwanted WhatsApp auto-downloading of videos, images.

Zika Virus – An Emerging Global Threat

What is ZIKA Virus?

The Zika virus, first identified in Uganda in 1947, is transmitted by Aedes mosquitoes, the same type of mosquito that carries dengue fever, yellow fever, and chikungunya virus. A mosquito bites an infected person and then passes those viruses to other people it bites. It was later identified in humans in 1952 in Uganda and the United Republic of Tanzania. The first large outbreak of disease caused by Zika infection was reported from the Island of Yap (Federated States of Micronesia) in 2007. 

Zika Virus

How it is transmitted?

Zika virus is primarily transmitted to people through the bite of an infected mosquito from the Aedes genus, mainly Aedes aegypti in tropical regions. Aedes mosquitoes usually bite during the day, peaking during early morning and late afternoon/evening. This is the same mosquito that transmits dengue, chikungunya virus and yellow fever.

Zika can spread through Sexual transmission, usually, after a person traveled to an area where Zika has broken out, got the virus, and gave the virus to a sex partner who did not travel. Infected women and men can both pass the virus to sex partners even if they haven’t shown symptoms of infection, In addition, infected pregnant women can pass the virus on to their fetus. Other modes of transmission such as blood transfusion.

What are the symptoms of ZIKA virus disease?

Most people don’t have any symptoms, only about 1 in 5 people with the virus will exhibit symptoms, If symptoms do occur, they are usually mild and last around 2 to 7 days after a bite from an infected mosquito.

Symptoms of Zika virus infection:

  • rash
  • itching all over the body
  • fever
  • headache
  • joint pain (with possible swelling, mainly in the smaller joints of the hands and feet)
  • muscle pain
  • conjunctivitis (red eyes)
  • lower back pain
  • pain behind the eyes

.A diagnosis of Zika virus infection can only be confirmed through laboratory tests on blood or other body fluids, such as urine, saliva or semen.

What are the Complications of Zika virus disease?

Zika virus infection during pregnancy is a cause of congenital brain abnormalities, including microcephaly and that Zika virus is a trigger of Guillain-Barré syndrome.

What is Microcephaly?

Microcephaly is a condition where a baby’s head is smaller than those of other babies of the same age and sex. Microcephaly happens when there is either a problem in utero, causing the baby’s brain to stop growing properly, or after birth when the head stops growing properly. Children born with microcephaly often have developmental challenges as they grow older. In some cases, children with microcephaly develop entirely normally. Microcephaly can be caused by a variety of environmental and genetic factors such as Down syndrome; exposure to drugs, alcohol or other toxins in the womb and rubella infection during pregnancy.

What is congenital Zika syndrome?

In addition to congenital microcephaly, a range of manifestations has been reported among babies up to 4 weeks old where there has been exposure to Zika virus in utero. 5 types of birth defects, including severe microcephaly, that are unique to Zika or rarely occur with other infections in pregnant women. They are:

  • Decreased brain tissue with calcium deposits indicating brain damage
  • Damage to the back of the eye
  • Limited range of motion in joints, such as clubfoot
  • Too much muscle tone, which restricts movement

Those effects in babies are called congenital Zika syndrome.

Not all children with congenital Zika virus syndrome present with microcephaly. On the other hand, failure to observe signs of congenital Zika virus syndrome, particularly when assessed in utero, does not necessarily mean that the fetus or newborn does not have abnormalities. For example, hearing abnormalities may not be assessed in utero but only after birth. Some signs such as seizures may develop only after birth.

What is the treatment for ZIKA virus symptoms?

There is no specific treatment for Zika virus symptoms. Drinking plenty of water and taking paracetamol may help relieve symptoms. The disease usually runs its course within a week or so. The infected people must take plenty of rest, drink fluids to prevented take acetaminophen for fever and pain,

There is no vaccine against Zika, but the National Institutes of Health is testing one in humans. If symptoms worsen, they should seek medical care and advice. 

Who is at risk of being infected?

Where you live, your travel history and the travel history of your sex partner(s) can affect your chances of getting Zika. Anyone who is living in or traveling to an area where Zika virus is found.

Many people infected with Zika won’t have symptoms or will only have mild symptoms. However, a pregnant woman, even one without symptoms, can pass Zika to her developing fetus. Zika infection during pregnancy can cause serious birth defects. Zika virus primarily spreads when a mosquito infected with Zika bites you. Zika also spread through sexual transmission with a man or woman who has Zika. Sex includes vaginal, anal, or oral sex and the sharing of sex toys. Zika can pass through sex even if the person does not have symptoms at the time. 

In which countries ZIKA Virus popular?

The number of countries and territories that had reported mosquito-borne Zika virus transmission as of November 16, 2017, by WHO region. As of this time, the total number of countries/territories that had reported mosquito-borne Zika virus transmission had reached 85, of which 49 were in the Americas. 

Zika virus disease has reached India, with the World Health Organisation (WHO) confirming first three cases in Gujarat’s Ahmedabad. The Ministry of Health and Family Welfare – Government of India (MoHFW) reported three laboratory-confirmed cases of Zika virus disease in Bapunagar area, Ahmedabad District, Gujarat State, in India.

How can ZIKA be prevented?

The best protection from Zika virus is preventing mosquito bites indoors and outdoors, especially from sunrise to sunset when mosquitos are most active.
Such measures include:

  • Use mosquito repellent in accordance with the instructions indicated on the product label.
  • Wearing long-sleeved shirts and long trousers
  • Sleeping or resting in screened or air-conditioned rooms
  • Using mosquito nets

Other measures:

  • Using a condom when staying in an area with active Zika transmission and continuing to do so for at least eight weeks after returning from this area will reduce the risk of sexual transmission. If symptoms were experienced, condoms should be used for six months following the cessation of symptoms.
  • Travellers returning from Zika-affected areas are not allowed to donate blood until the risk of infection has passed, which is 28 days after returning from a Zika-affected area.

How is Zika virus disease diagnosed?

Zika virus infection can be diagnosed using laboratory testing. Healthcare providers may order blood tests to look for Zika if a patient has compatible symptoms with Zika virus disease and has recently traveled in an affected area.

Products & its benefits 

Use Good knight Personal Repellent Cool Gel or Good Knight Fabric Roll On Personal Repellent (8ml, Bubblegum) and protect your family from mosquitoes throughout the day both indoors and outdoors.

Good knight Fabric Roll-On

Features:

  • 100% Natural Formula.
  • It provides Up to 8 hours of protection.
  • Contains Aloe Vera.
  • It is child safe and certified by the pediatrician.
  • It is Skin friendly cool gel with the pleasant fragrance and superior skin feel.

Good knight Activ+ System

Good knight Activ+ System

Features:

  • 2x power with Activ mode
  • Switch between active mode and normal mode, depending upon number of mosquitoes
  • Protection in all corners of the room
  • Protects your family from diseases like dengue, chikungunya, Zika

Good knight Activ+ Low Smoke Coil

Good knight Activ+ Low Smoke Coil

 Features:

  • Power formula ensures 12 hours of protection
  • Active filter technology ensures lesser smoke
  • Protects your family from mosquitoes spreading diseases like dengue, chikungunya.

Conclusion:

I have mentioned 3 products of Good Knight which you can use in outdoor and indoor also like repellent cream. Also, I mentioned about Low smoke coil so that during power off or place with no electricity where you can easily take the protection from the GoodKnight Low smoke coil.

The protection of your family is depending on your hands and there is always a saying that prevention is better than cure. Because a healthy family is a key to happiness. So live a healthy and happy life by using these Good Knight products and protect your family from dangerous mosquitoes.

 

Top 10 Best Water Purifiers in India 2018

HUL Pureit Ultima RO+UV Water Purifier

How can I find the best water purifier?

Drinking Water Helps Maintain the Balance of Body Fluids. Our body is composed of about 60% water. The functions of these bodily fluids include digestion, absorption, circulation, the creation of saliva, transportation of nutrients, and maintenance of body temperature.

So we cant compromise with its purity when we aware that without water life is impossible then it’s only in our hand that how we could protect us and our family from its contamination and choose the best pure water purifier for our long healthy life.

There are a plethora of harmful substances that are present in the regular water systems and everyone is aware of this fact. It is definitely a matter of concern because every day there are reports found about dangerous substances and metals found in the tap water. This is the reason you will see people running after best water purifiers, 

 Today’s advanced purifiers are loaded with different types of features that ensure 100% clean drinking water.

 Apart from health burdens many people also suffer from economic burdens, because those families which have low-income cant imagine about affording the costly water purifier. But our government also aware peoples to save the life from contaminated water and that’s why there are basic RO systems that are available at affordable rates in markets now because spending money on a water purifier system is a long-term investment towards your health and a health of your loved ones, mind it.

Check before buying your water purifier

There are many different types of water purifiers system, each uses a different type of technologies to purify water. The Conventional RO water purifiers that are available in the market will remove all the dissolved salts present in the water and can cause a mineral deficiency. Minerals are inorganic substances which are much required for humans to maintain a healthy life. Some of the essential minerals found in the water are Calcium, Magnesium, and Potassium. So, you should buy an RO water purifier that comes with a TDS Modulator/Controller.

Some of the Top Water purification Brads like Kent, HUL Pureit, Aquaguard are offering RO water purifiers along with a TDS controller. The TDS Modulator can retain the natural minerals present in the water.

Reverse Osmosis Water Purifier

The RO water purifiers use a very fine membrane to purify the water. Only a Reverse Osmosis water purifier has the capability to remove the dissolved salts present in the water.

TDS …. TDS full form is Total dissolved solids. Minerals, salts or dissolved metals such as calcium, chloride, nitrate, iron, sulfur and some organic matter that dissolved in water commonly referred as TDS. TDS expressed in terms of milligrams (mg) per liter of water, also referred in parts per million (ppm).

The Bureau of Indian Standards (BIS) has set the acceptable limit of TDS in drinking water at 500 mg/LMost commonly used purification systems to reduce TDS are carbon filter and reverse osmosis(RO).

What is RO MF?

MF is full form of Microfiltration purification technology. In MF purification the water is passed through a special pore-sized membrane to separate microorganisms. Both reverse osmosis and nanofiltration are fundamentally different since the flow goes against the concentration gradient.

In a recent research found that if MF filtration is used as pre-filtration, before RO purification, the purification results are much effective. Kent released such MF + RO purifiers in the market as well.

Why UV + RO Water purifier?

Ultraviolet Water Purification

A UV water purifiers employ a UV Bulb that passes the powerful UV Rays into the water. The UV Rays are 99% capable of killing all the Bacteria, Viruses, and Cysts present in the waterIf you are living in a place where you get water from public water supply or the TDS levels in the water is low, you can opt for a UV water purifier. Please note that an Ultraviolet Water Purifier is not capable of removing the dissolved salts present in the water.

The Combination of RO + UV technologies in the water purifier can save you a healthy and tasty drinking water along with the TDS modulator.

There are different types of water purifiers available in the market and all of them are mentioned below for a better understanding and for making the best choice as per your need and budget.

Top 10 Best Water Purifiers in India 2018

When you are deciding to buy the best quality water purification system for your home, you would come across many options that become challenging and hard to go through. By comparing these systems, you can easily get what you want for your home. Check out the list of some best water purification systems and choose your needy one:

 1. Livpure Glo 7-Litre RO + UV + Mineralizer Water Purifier

Live pure is one of the arising top water purifier brands in India. The Storage capacity of the Livpure Glo RO + UV + Mineralizer Water Purifier is 7 liters which make it an ideal choice for a medium-sized family.

Livpure Glo 7-Litre RO + UV + Mineralizer Water Purifier

Features include:

  • RO + UV water purifier can work with all kinds of water sources like Borewell, Tap water, River water up to 1500 TDS levels.
  • The RO Membrane makes sure that all the Hazardous chemical.
  • UV bulb kills the life-threatening bacteria, virus, protozoa.
  • The sediment filter and Activated carbon filter remove suspended impurities also adsorbs bad taste.
  • The Silver Impregnated Post carbon filter enhances the water taste by removing the volatile organic impurities.

Pros

  • RO + UV + Mineralizer
  • TDS Levels up to 1500 ppm
  • 7 Litre Storage
  • Sleek and compact design.

Cons

  • No water level indicator
  • Water may be wasted.

 2. Pureit Mineral Classic RO+UV Water Purifier

The 6 Litre HUL Pureit Mineral Classic RO + UV is one of the Best water purifiers in 2017. If you are looking for a Budget RO + UV water purifier, Pureit Mineral Classic is the exact choice for your budget with 6-liter capacity.The Pureit Mineral Classic 6 liter RO UV water purifier offers not only tasty and sweet water but also full value for your money and an ideal choice for small and medium-sized families.

Pureit Mineral Classic RO+UV Water Purifier

Features Include:

  • The RO Membrane remove Hard Metals and Dangerous salts from water that contain TDS levels as high as 1800ppm.
  • The Weight of the Pureit Classic is Just 7.3 Kg.
  • Made of Food Safe and good-engineering plastic, so no chance for water leakage and bad odor.
  •  Reverse Osmosis membrane removes dissolved salts, the UV Chamber kills the bacteria and virus.
  • There is a Post-RO Carbon Filter for the further cleansing of water and adds minerals post purification to enhance the taste of water.
  • An Advanced Voltage fluctuation guard in the Pureit Classic RO UV that protects the purifier from unexpected voltage change between 165 and 280V.

 pros

  • 6 Litre Storage
  • TDS Levels up to 1800 ppm
  • Best and comfort price RO + UV
  • Water-Level Indicator
  • 100% Water passes through RO.

cons

The drawback is water wastage while using.

3. Aquaguard Genius RO + UV +UF water purifier

The three technologies RO, UV, and UF based Aquaguard Genius, is the right choice for a high-end option. It detects the quality of the input water. If the TDS levels in your water are high and you are looking for a Budget RO, the Pureit Classic 5 liters RO+MF is the right choice. This  Water purifier can turn the hard water up to 1800 ppm into the soft and sweet water.

Aquaguard Genius RO + UV +UF water purifier

Features Include:

  • The storage capacity of this water purifier is 7 liters.
  • RO membrane can work with water having TDS levels up to 2000 ppm.
  • The Mineral Guard discards the excess minerals and adds the right amount of minerals in the purified water.
  • You will get a notification to replace the cartridge.
  • Suitable for all types of water sources
  • It comes with a taste enhancer so you will get pure and sweet water.

Pros

  • 7 Litre Storage
  • RO + UV + UF + Mineral
  • TDS Levels up to 2000 ppm
  • LED display and water level sensor
  • Helps users to see the water level.
  • Suitable for All Water sources.

Cons

  • Higher Maintenace cost.
  • There will be some water wastage.

 4. HUL Pureit Ultima RO+UV Water Purifier

Pureit Ultima from the Hindustan Unilever Limited is specially designed for Indian Homes, with 10 Litre storage tank, appropriate for a Large family. If you are looking for the best water purifier and budget is not your concern, you can opt for Pureit Ultima, it stands among one of the excellent systems available right now. In case you are living in a place where you won’t get water from public water supply or the water contains Arsenic, Lead, and Cadmium, you can install the Pureit Ultima, will be the best option.

HUL Pureit Ultima RO+UV Water Purifier

Features Include:

  • The Storage capacity of the Pureit Ultima is 10 liters.
  • purity indicator to find the purity levels in the water.
  • It comes with a Superior Digital Alert system, to give prior alert before the Germkill Cartridge runs out of the juice.
  • It can remove Total Dissolved salts in the water (2000 ppm).
  • The combination of RO and UV can kill up to 10 Million virus cells in one liter of water.

Pros

  • 10 Litre Storage
  • RO + UV with TDS Controller
  • TDS Levels up to 2000ppm
  • Works with all types of water sources
  • 100% Water passes through RO.

Cons

  • Expensive
  • There will be some water wastage.

 5. Kent Maxx 7 L UV + UF Water Purifier

Kent Maxx is the best-rated UV + UF water purifier and is rated five stars by more than 200 customers. So, If you receive water from Public water supply or the water source is soft, you can opt for Kent Maxx.

Kent Maxx 7 L UV + UF Water Purifier

Features Include:

  • The UF Purifiers work even if the water contains a lot of dirt.
  • It comes with the combination of UV and UF technologies.
  • The UV Bulb kills all the Virus, Bacteria, and cysts found in the water.
  • The UF Membrane makes the water free from all the suspended impurities.
  • It is made of Food-Grade and non-breakable ABS Plastic with built-in-SMPS.

Pros

  • 7 Litre Storage
  • Best Budget UV + UF
  • No water wastage
  • Water-Level Indicator
  • Low Maintenace cost.

Cons

  • Water purification system is appropriate for low TDS waters.

6. Kent Grand plus TDS 8 L RO + UV +UF Water Purifier

It is one of the best-selling in India and is fully automated. It employs a double purification of RO + UV + UF that removes even the Dissolved salts and impurities. The Kent Grand Plus Water Purifier is based on a patented Mineral ROTM technology.

Kent Grand plus TDS 8 L RO + UV +UF Water Purifier

Features Include:

  • It comes with TDS Controller that preserves vital minerals.
  • It has alert alarms about the filter replacement.
  • Auto on-off.
  • A classic design along with a see-through cover.

 Pros

  • 8 Litre Storage
  • Best Value For Money RO + UV + UF
  • Mineral ROTM technology
  • Water-Level Indicator
  • Suitable for all water sources.

Cons

  • Will waste some water.

7. Kent Ace Mineral RO TM RO + UV +UF Water Purifier

It is one of the dominant models of the water purifier from a reputed brand Kent, which has achieved success for a variety of models of purification systems.

Kent Ace Mineral RO TM RO + UV +UF Water Purifier

Features Include:

  • Storage capacity 7 liters
  • It is RO + UV based water purifier having a storage tank.
  • Filtration capacity is 15 liters
  • An auto shut off feature
  • Effortless onsite cleaning regularly
  • It also runs on the UF technology to filter the dangerous particles from the water.
  • LED indicators are available
  • Made of ABS food grade plastic
  • Suitable for all kinds of water.

Pros

  • It has a porous UF membrane
  • It filters completely to provide pure water
  • Less electricity consumption
  • CE Certified and verified due to its performance.

Cons

  • Needs regular maintenance biggest headache for users.
  • Appropriate for purification with special abilities of power fluctuation handling only.
  • As per users, frequent repairs are needed.

8. Aquaguard Enhance 7L RO + UV + TDS Water Purifier

The Aquaguard Enhance RO + UV + TDS water purifier with 7L capacity is the best option TDS level based water purification system. It is focused on providing with water that is entirely healthy, pure, and safe.

Aquaguard Enhance 7L RO + UV + TDS Water Purifier

Features Include:

  • I-Filter technology eliminates the suspended particles from water
  • Taste enhancer cartridge cleans the water that gives safe and pure water
  • Biotron Cartridge is capable of breaking down the water molecules to make them absorb easily
  • Chemi-Block helps to eliminate higher chlorine and organic impurities.

Pros

  • It works on the RO + UV filtration systems
  • There is little or no noise at all
  • TDS level based
  • It is completely automatic in nature
  • It completely removes the bacteria.

Cons

  • It produces lots of water while ejecting the wastewater through the pipe, which takes it as a big concern.

9. Blue Star Stella RO+UV 8.2 L RO + UV Water Purifier 

The another one of the best RO water purification system of an Ultrahigh feature of the TDS removal with 8.2 Liter capacity gives you the purest and safe drinking water.

Blue Star Stella RO+UV 8.2 L RO + UV Water Purifier

Features Include:

  • It is having a double-layered UV+RO protection.
  • RO removes suspended elements, ions, dissolved impurities, microorganism.
  • UV feature deactivates cysts, bacteria, and deadly viruses.
  • Touch sensor
  • Child lock
  • Enhances taste
  • UV lamp is present
  • Sediment filter with super fine technology
  • Water recovery with superior cleaning up to 33%.

Pros

  • Ultra high total dissolved salts removal technology
  • Electronic button for dispensing
  • 250-liter purification capacity
  • RO membrane.

Cons

  • Expensive
  • Weekly cleaning required for UF membrane.

10. Tata Swach Ultima Silver RO+UV Water Purifier

The RO + UV water purifier is suitable for water TDS level-up to 2000 ppm. The purifier has a wall-mountable design and a stylish tap that enhance the look of the product. The appliance comes with a voltage spike guard protection from maintaining the voltage fluctuation.

Tata Swach Ultima Silver RO+UV Water Purifier

Features Include:

  • 6-liter water storage capacity
  • Voltage spike guard protection
  • 15ltr/he purification production rate
  • Silver nanotechnology
  • Auto-flushing system.

Pros

  • TDS level-up to 2000 ppm.
  • Wall Mountable Design
  • Auto Shut Off
  • Voltage Spike Guard Protection.

Cons

  • Low Storage Capacity.

Caution:

From the list of these top 10 water purifiers from different brands, you can choose the best one that meets your needs and budget. Cost is another factor that you need to consider while selecting the best water purifier for your home. cost of these purifiers can be checked online. Look online for other brands and compare them on the basis of the features, benefits, and much more. So, start your search now and ensure to obtain a right fit for your home!

Best Personal Loan Interest Rate December 2017

Best Personal Loan interest rate for December 2017

Personal loans are one of the best types of loans which will come in handy when we need the money urgently. However, it does not mean we go for any types of personal loan. Hence, in this post, I will try to list the comparative chart which makes you select the best Personal Loan Interest Rate December 2017.

There are two kinds of interest rates like fixed and variable or floating. You can choose which type of interest preferable to you based on your loan amount.

The fixed rate personal loan is where the rate of interest is locked throughout the life of the personal loan, this cannot be changed at any time even if the rate falls or goes up over the coming years.

The variable rate personal loan is opposite to it, where the rate is subject to market volatility. If the interest rate in the market falls, you will have to just pay the reduced rates and vice versa.

The fixed rate is a kind of hedging of market volatility, variable rates are helpful if you are expecting the interest rate in the market will fall.

What affects your personal loan interest rate?

  • Income Level- The rate is totally dependent on the income level and the company where you are working. This information is compared with the loan amount and they will gauge if you are capable to repay the loan without defaulting. According to the risk involved in your repayment strategy, the interest rate varies.
  • Loan Tenure: Usually shorter the loan in the higher the interest rate will be and vice versa. EMIs are regular and fixed return for lending banks, thus when the return is for long period the rate will decrease respectively.
  • Credit Rating of the Individual: Financial institutes conduct CIBIL check to understand the creditworthiness of the borrowers. In case of any default payment records, huge outstanding loan, fraudulent track records, banks has every right to cancel the loan or charge a higher interest rate. Hence, it is very much important to keep the good track record of your credit score and repay your dues timely.

Fees and Charges Applicable to Personal Loan

There are different ways of charging by each bank. However, when you notice about charges, you will find these three common types of charges.

  • Processing Fee: This is the non-refundable processing fee, this will be different depending on the loan particulars and bank’s policies.
  • Part Payment/ Part Pre-Payment Charges: When you pre-pay loan or part of principal payable by you, automatically banks lose some income because of this. Hence, they charge for this. You have to cross check this charges also.
  • Payment Delay Charges: An additional charge is levied by every bank on the outstanding amount that is not repaid within the specific date. It is essential to make sure payment/ EMIs are processed within the deadline to avoid these charges.

Best Personal Loan Interest Rate December 2017

Now let us discuss about the best personal loan interest rate December 2017. I tried my best to provide you the complete picture and comparative table. However, I suggest you to cross check with the bank before proceeding further.

Best Personal Loan interest rate for December 2017

Hope this information is useful for you to take an informed decision while going for a personal loan.

Which Accounts are exempt from linking Aadhaar to bank accounts?

What is need of link Aadhar to the bank account?

The Reserve Bank of India on Saturday issued a clarification, saying linking of Aadhaar with bank accounts was mandatory in cases under the prevention of money-laundering rules. The central bank was responding to news reports that quoted an RTI reply on linking the 12-digit biometric number with accounts by December 31.

Link Aadhaar to Bank

On 14 October, a fresh petition was filed in the Supreme Court challenging the government’s decision to link bank accounts and mobile phones to the 12-digit unique identity number issued by the Unique Identification Authority of India (UIDAI).

Some news items have appeared in a section of the media quoting a reply to an RTI application that Aadhaar number linkage with bank accounts is not mandatory. “The Reserve Bank clarifies that, in applicable cases, linkage of Aadhaar number to the bank account is mandatory under the Prevention of Money -laundering (Maintenance of Records) Second Amendment Rules, 2017 published in the Official Gazette on June 1, 2017. These Rules have statutory force and, as such, banks have to implement them without awaiting further instructions,” the RBI said.

The government had notified under PMLA that every bank account should be linked to Aadhaar by 31 December, failing which the accounts will become inoperative.

Should you wait for the Supreme Court ruling then?
Considering that the rule to make Aadhaar mandatory for opening new accounts has already been enforced by banks following the finance ministry directive, it would appear that as per current situation, existing account holders will not be given an exemption. 

How to Link Aadhaar Card to Bank Account – Online/Offline?

Linking Aadhaar Card with Bank Account via Online & Offline Mode | Updation of Aadhaar details to Bank Account for LPG Subsidy

Our Government is encouraging people to update Aadhaar card details with their respective bank accounts. People often get confused with the process of Linking Aadhaar card with the bank account. The process is actually quite easy and can be completed easily. I will be explaining the methods that will be applicable to almost all Banks. No matter if your Bank is State bank of India(SBI), Punjab National Bank(PNB), Oriental Bank of Commerce(OBC), HDFC, ICICI, Canara, Axis Bank or any other. 

Linking Aadhaar Card with Bank Account :

This can be done in following two ways :

OR

 This is an extremely easy method but it is important that you have availed the internet banking facility as well as you need to make sure that your Bank is giving this facility

What exemption given to accounts?

Exemption given only to small accounts. Not all types of bank accounts will become un-operational if they are not linked with Aadhaar before the deadline. Small accounts are exempt from this directive as these can be opened even without Aadhaar.
A small account is a bank savings account where:
1. The aggregate of all credits in a financial year does not exceed Rs 1 lakh;
2. The aggregate of all withdrawals and transfers in a month does not exceed Rs 10, 000;
3.  . The balance at any point of time does not exceed Rs 50, 000. 

Why its become mandatory?

The government in Budget 2017 had already mandated seeding of Aadhaar number with Permanent Account Number to avoid individuals using multiple PANs to evade taxes.

The Reserve Bank clarifies that, in applicable cases, linkage of Aadhaar number to bank account is mandatory under the Prevention of Money -laundering (Maintenance of Records). Rules, 2005, mandated quoting of Aadhaar along with PAN or Form 60 by individuals, companies and partnership firms for all financial transactions of Rs 50,000 or above.

This year in June, the government had made Aadhaar mandatory for opening bank accounts as well as for any financial transaction of Rs 50,000 and above.

“Existing bank account holders have been asked to furnish the Aadhaar number issued by the Unique Identification Authority of India (UIDAI) by December 31, 2017, failing which the account will cease to be operational,” the government notification had said. According to reports, the RBI had not issued any notification for linking of Aadhaar number with the customers’ bank account.

In RTI reply, RBI was quoted as saying: “The Government has issued a Gazette Notification GSR 538(E) dated 1 June 2017 regarding Prevention of Money laundering (Maintenance of Records) Second Amendment Rules, 2017, inter-alia, making furnishing of Aadhaar (for those individuals who are eligible to be enrolled for Aadhaar) and permanent number (PAN) mandatory for opening a bank account. It may be noted that Reserve Bank has not yet issued an instruction in this regard.”

The report also revealed that the central bank has not even filed any petition with the Supreme Court on seeking explicit permission of linking the two said documents. “RBI has not filed any petition with the Supreme Court,” the RBI said in response to the query. 

Income Tax Department Live Chat Online Helpline – Solve your doubts instantly

The Income Tax Department has taken yet another initiative to help the taxpayers with their basic queries about the tax filings. The Department has launched an ‘online chat’ service to answer the taxpayers’ questions related to income tax.

On the main website of the Income Tax, a window has been hosted by an icon stating ‘Live Chat Online – ask your query.’ This “Live Chat” window will take questions on tax matters from Monday to Friday between 10 a.m and 5 p.m.

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Once you click on the icon, it will take you to a new window where you will have to write your name, email ID and query to start the chat.  

The Income Tax department launched an app that allows entities track Tax Deducted at Source (TDS), pay taxes and apply for Permanent Account Number (PAN).

It will also help people link their 12-digit biometric identifier Aadhaar with PAN card. The mobile app Aaykar Setu, launched by finance minister Arun Jaitley, will be available on Android phones.

This is a very important step forward by the CBDT ( Central Board of Direct Taxes) and the principle reason being technology as a very powerful tool becomes an enabler. With the app most of the work the assessee can discharge without any external help sitting at home, the minister said.

Last year, the I-T department had set up a newly dedicated directorate within its establishment to monitor and resolve grievances of taxpayers.

How to download this app?

The new initiative is a step by the I-T department to directly communicate with the taxpayers on a range of multiple informative and useful tax services aimed at providing tax information at their fingertips.

This is the first mobile app by the CBDT and can be downloaded by giving missed calls to 7306525252.

A window has been hosted on the main page of the department’s website www.incometaxindia.gov.in — with a prominent icon stating ‘Live Chat Online- ask your query’.
The module compiles various tax tools, live chat facility, dynamic updates, and important links to various processes within the I-T department in a single module.

The taxpayers will also be able to receive regular updates regarding important tax dates, forms, and notifications on mobile numbers registered with the department.

All taxpayers who wish to receive such SMS alerts are advised to register their mobile numbers in the Aaykar Setu module.

How this app will act?

The app is in the series of actions taken by the Central Board of Direct Taxes to provide better taxpayer services and reduce grievances.

#Taxpayers can seek answers to their basic questions and doubts regarding direct taxing issues by means of the online chat option available on the Income Tax department’s official website.

#“A team of experts from the department and independent tax practitioners has been deputed to answer the general queries of a taxpayer. The first-time initiative is aimed to enhance taxpayer services in the country,” an Income Tax officer told PTI.

#The officer added that other features would be added to the online chat system based on the feedback the department receives.

#The officer further said that an option has also been provided to the taxpayer for emailing the entire chat to their IDS for future reference.

#Displayed on the main page of the official Income Tax website, users can simply click the icon marked ‘Live Chat Online- ask your query’ to log on to the chat room page. To enter the ‘chat room’ users are only required to enter their email id after which they can ask questions as a guest.

#The chatting option comes with a disclaimer: “The replies are based on the opinion of the expert and in no manner it should be interpreted as the clarification by the income-tax department on any matter.”

What is the aim behind this step?

This is a very important step forward by the CBDT and the principle reason being technology as a very powerful tool becomes an enabler. With the app most of the work the assessee can discharge without any external help sitting at home,” the minister said.

The app is in the series of actions taken by the Central Board of Direct Taxes to provide better taxpayer services and reduce grievances.

The Central Board of Direct Taxes or CBDT, the apex policy-making body of the tax department, recently decided to enlarge the ambit of the 2006 Tax Return Preparer Scheme (TRPS) by making the service “digital” and covering all the 708 districts of the country.

A senior official working on the project reportedly said the aim was to ensure hassle-free and ‘from home’ tax filing service to assessees without they taking pains to go to a Chartered Accountant or a person who has expertise in filing tax returns.

Apart from the online facility, the department is also planning to help taxpayers on the ground. Earlier this month, the Income Tax Department proposed to appoint 7,600 additional experts to assist small taxpayers in filing ITR.

How the app become helpful?

#“The app reduces the physical interface between assessing officer (AO) and assessees. Physical interface has many unintended consequences it is time-consuming and can lead to improprieties,” Jaitley said.

#The tax department, he said, has endeavored to reduce interface and a lot of it has already happened.

#“It has become far more convenient. Secondly, it also makes compliance far easier.”

#“It also helps us in improving the image of the department. For the reason that one of the not so acceptable alibis given by those who don’t comply is we don’t comply because of the harassment that compliance involves. Not that this reason has much reason in it, but today this reason gets eliminated more the interface is reduced,” he said.

#Jaitley said an external audit must be done to see how much of the interface has been reduced and which are the other areas where it can be done.

#”The replies are based on the opinion of the expert and in no manner it should be interpreted as the clarification by the Income Tax Department on any matter,” it says.