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"Hang in there"- says Ranveer Singh, as he sends fans love and good vibes during the lockdown

With the ongoing pandemic, our lives have almost come to a stand-still, and the lock-down is taking a toll on the mental health of many of us. At such a time of crisis, one can only try to keep the optimism alive and not let the situation get the best of them. Actor, Ranveer Singh, in a recent Instagram live session, appealed fans to do the same.

“It’s been a very difficult couple of weeks, emotionally difficult. Turbulent times with everything that is going on in the world. To all my friends & fans stay safe, hang in there, stay healthy. Sending you love, positive vibes & good energy. I’m always an optimist, I like to look at the bright side of things. I always like to stay positive in any situation that life throws up. To be honest, this is unprecedented. We all are in this together and I believe that on the other side of this we’ll come out with more compassion,” he said.


Ranveer and wife Deepika Padukone, at home, are keeping themselves occupied with workouts and household chores as they also keep sharing glimpses of their locked-down life. Post lockdown, they both await the release of Kabir Khan's sports drama '83.




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Software defends against cyberattacks on energy grids

An EU-funded project is developing software designed to prevent, detect and act on cyberattacks on smart meters in big infrastructure installations, boosting the security of our power supplies.




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Revealed! Former Arsenal manager Unai Emery blamed ex-girlfriend Sacha for being sacked

Former Arsenal manager Unai Emery's ex-girlfriend Sacha Wright, 35, has told British tabloid, The Sun that he blamed her for his sacking last year.

Unai, 48, who joined Arsenal on May 2018 on a two-year deal, was sacked by the team management in November last year, following a poor run. Sacha claimed that Unai called her a "white witch" and blamed her for his team's failure.

"I trusted Unai and believed we would get married and have kids. I thought he was a gentleman and a family man. But in the end I realised he was not ready for a serious relationship," said Sacha, who first dumped Unai in September only to take him back in December.

"It was then that he blamed me for getting him the sack. He said I was a white witch as I brought him bad luck. He said the team began losing the day we broke up," said Sacha, who finally left Unai in March.

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COVID-19: There might be no international football played this year!

Most international football might not be played until 2021 due to Coronavirus pandemic travel restrictions and the need to give club competitions the chance to resume, a FIFA vice president has said. Victor Montagliani, a Canadian, who is president of the governing body for North and Central America and the Caribbean, has been heading a FIFA working group formulating plans to deal with the implications of the world's biggest sport being largely shut down since last month.

FIFA already has called off matches between countries that were due to be played in March and June. Montagliani, CONCACAF's president, believes the September, October and November windows for national team matches could be scrapped. "I personally think that might be a bit of a challenge, not so much because of just the health issues around the world and the various degrees of preparedness, but also committing to international travel as soon as we come back," Montagliani told The Associated Press.


Montagliani

"I think that domestic football is a priority. September is still in the books, but I would garner to say that I'm not sure it's there on solid ground the way things are trending right now." The return of fans into packed stadiums could be dependent on a vaccine for the COVID-19 disease being ready—and that might not be until 2021. "If we get the green light to play a football match. I highly doubt that first football match will be with fans. I just can't see that. I think that would be taken a massive risk," he said in a video interview from Vancouver, British Columbia.

"I'm pretty sure it'll be a phased in approach, just like the rest of society is going to be is then in terms of us trying to get back to normal here."

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Exclusive! Did you know Real Madrid's Eden Hazard was scoring goals before birth?

The Real Madrid superstar is one of the best players in the world and his talent is clear for all to see. But, these five facts about the Belgian aren’t as well-known.

Hazard was scoring goals before he was even born
Eden Hazard comes from a footballing family, with his younger brothers Thorgan, Kylian and Ethan all playing currently and with his father Thierry and mother Carine both playing football too when they were younger. Carine played in the Belgian women’s first division and stopped when she was three months pregnant with Eden, meaning that he was sort of a part of some of his mother’s final goals before he was born.

Zidane was Hazard's idol as he grew up
Zinedine Zidane is now Hazard’s boss and this must feel surreal every day the Belgian goes to work. As a kid, he grew up admiring Zizou and even possessed a France national team shirt with Zidane’s name and number on the back. Zidane has long been fond of Hazard too, expressing his love of the playmaker’s game long before he was signed by Real Madrid.

Hazard is the youngest Ligue 1 Player of the Year
The Ligue 1 Player of the Year prize is given out at the end of every season to the star of France’s top league and Eden Hazard won this award twice during his time with Lille, claiming it in back-to-back years for his displays in the 2010/11 and 2011/12 seasons. He was just 20 years of age when he won the first one, making him the youngest ever player to claim this award.

Hazard is a New York Knicks fan
As well as his love for football, Hazard is also a big basketball fan. He enjoys the NBA and attends matches in North America when he can. The Belgian even has a team that he supports, having declared himself a New York Knicks fan.

San Diego 1904 FC is partly owned by Hazard
Hazard still has many years of playing at the top level ahead of him, but he has already stepped into the world of football club ownership, doing so with NISA side San Diego 1904 FC. He co-founded it in 2016 along with Demba Ba and other business partners.

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Cristiano Ronaldo not at Lionel Messi's level: David Beckham

Former Manchester United and Real Madrid midfielder David Beckham rates Barcelona's Lionel Messi higher than Cristiano Ronaldo. Ronaldo succeeded Beckham as Manchester United's No. 7 before arriving at Real Madrid two years after the England captain left the Spanish giants.

Beckham has also experience of playing against a young Lionel Messi in the latter's initial years with Barcelona and faced him once while he was playing for Paris St Germain. "He [Messi] is alone in his class as a player, it is impossible that there is another like him," Beckham told Telam.


David Beckham

"He, like Cristiano Ronaldo, who is not at his level, are both above the rest." Beckham recalled his last match against Barcelona in the quarter-final of the 2013 Champions League. PSG were ahead at one stage at Camp Nou when Messi came on as a substitute. Eventually, Pedro scored and Barca went through on the away goals rule.

"We were leading before Messi came in, and once he came in, Barcelona scored," Beckham said. He was 37 years old by then and ended his illustrious playing career at the end of the season but Beckham said that he did not enjoy losing that tie.

"Although I enjoyed playing at that level at my age, I do not like to lose. Our team played well. In both matches, we did things we should be proud of. We didn't lose against Barcelona, and that is something that should motivate us," he said.

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Leagues can be played behind closed doors: UEFA

UEFA president Aleksander Ceferin said Monday that leagues across Europe were ready to return to action behind closed doors in a bid to limit the damage caused by coronavirus. Football leagues have been suspended since mid-March due to the pandemic which has claimed more than 100,000 lives throughout the continent. But the head of European football believes that playing would be an important step towards a return to normal life and avoid heavy financial losses for leagues.

"I believe there are options that can allow us to restart cup championships and to complete them," Ceferin said in an interview with Italian daily Corriere della Sera. "We may have to resume without spectators, but the most important thing, I think, is playing games. "It is early to say that we cannot complete the season. The impact would be terrible for clubs and leagues. Better to play behind closed doors than not at all. "In such hard times it would bring happiness to people and a certain sense of normality even if the games can only be seen on TV. "All activities are being organised to start again, everyone needs to find their lives. "If safety measures are respected and if the authorities give the green light, the training could resume like the rest. "Further consent will be needed for matches." Ceferin said that if leagues returned "soon enough" then Champions League and Europa League matches could "be played in parallel" with no date limit for the finals.

The Slovenian said he was not in favour of the season going into September and October as it "would have a heavy impact" on the 2020-2021 campaign. "We can finish, but we must respect the decisions taken by authorities," he continued. "The priority is the health of fans, players and coaches." As for countries who have decided not to finish the season, Ceferin said that UEFA "will review the cases". "Such decisions were not made alone," he said. "Football is interconnected, we have seen how important it is for UEFA and leagues to work in good cooperation. The executive committee will review the cases." He added: "Leagues are the revenue base for clubs nationwide. If completed, the financial consequences will be limited. "UEFA, on the other hand, will lose a lot of money for postponing Euro 2020."

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Manchester United may beat Liverpool in signing Jadon Sancho

Former Liverpool mid-fielder Jamie Redknapp fears arch-rivals Manchester United are set to beat his former club for the signing of Borussia Dortmund forward Jadon Sancho. The 20-year-old Englishman is currently one of the most sought-after players in European football and Redknapp believes Sancho will end up in Premier League sooner than later with the Red Devils in pole position to snap the hot shot winger. "I think it is a matter of time with Jadon Sancho coming to the Premier League. We are talking about a genuine superstar. A player that can do incredible things with the ball. Played 70 odd games in the Bundesliga, scored 27 goals from a wide area which is very good," Redknapp told Sky Sports.

"We have missed out on the likes of the Neymars in the Premier League but he can come and really light it up. Personally I would call it. He will be a great signing for whoever he goes to. "I would like to see him at Liverpool, but I think he is going to end up at United though," he added. Since making the move to Bundesliga from Manchester City in 2017, Sancho's rise has been nothing but meteoric. In the last two seasons for Dortmund, Sancho has scored 20 goals and assisted 28 times for the German giants.

Speculations continue to surround Sancho regarding his big move to the Premier League with multiple top teams interested. Dortmund, meanwhile, have made it clear that it will take big bucks to prize Sancho away from the Signal Iduna Park.

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COVID-19: David Beckham's deal to help poor amid global pandemic

A chance to play with him, have lunch and watch a game of football from the owners box. David Beckham, part owner of the Major League Soccer club Inter Miami, is auctioning off all that stuff. Former England captain and Manchester United legend Beckham is doing this as part of the league's participation in the All In Challenge, which raises money for organisations that are helping feed the hungry during the coronavirus pandemic, including Meals on Wheels, No Kid Hungry, America's Food Fund, World Central Kitchen and Feeding America.

The MLS season is suspended from March 12 with the deadly virus causing havoc in the United States. Earlier this month, Beckham had expressed gratitude towards all the frontline workers who are risking their lives in the fight against the coronavirus pandemic, saying it was "another week of hard work". Beckham had taken to Instagram to post a video story in which he was seen clapping along with his family.

"Managed to set the phone up this week to get the whole family showing our appreciation for all the frontline workers and our brilliant NHS. Thank you for another week of hard work. #ClapForOurCarers," Beckham had written in his Instagram story.

The entire world has come to a standstill amid the ongoing coronavirus outbreak. Sports activities have also taken a big hit and almost all the events have been postponed or cancelled, including the Olympics.

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Report: FIFA boss Gianni Infantino suspected of interfering in probe

FIFA president Gianni Infantino is suspected of having intervened with Switzerland's attorney general to try to get an investigation dropped, a Swiss newspaper alleged on Monday. The Office of the Attorney General (OAG) launched an investigation in 2016, shortly after Infantino was elected president of world football's governing body, about his awarding of a TV rights contract to an offshore company in his previous role as UEFA's legal affairs director.

Friendly request

According to the Tribune de Geneve newspaper, Infantino was worried about this investigation and wrote to his childhood friend, Rinaldo Arnold, who had become a senior prosecutor in Switzerland's Haut-Valais region where they grew up. "I will try to explain to the OAG that it is in my interests that everything should be cleared up as soon as possible, that it be clearly stated that I have nothing to do with this matter," he wrote in an email cited by the newspaper. Arnold, who had helped to set up a first meeting between Infantino and Attorney General Michael Lauber, replied: "What is important is the meeting in two weeks' time. If you like, I can come with you again."

The meeting took place on April 22, 2016, the newspaper said, adding that what happened during it remains a mystery, and the OAG "refuses to speak about it". The OAG declined to comment when contacted by AFP. FIFA said later on Monday "the email referred to in the article was obviously obtained by hacking, which is an illegal and criminal act."

'No reason to lie'

"Not only Mr Infantino had no reason to lie in that email, the email never said Mr Infantino wanted to 'clear his name'," FIFA added. The Zurich-based federation has always indicated that the meetings between Infantino and the OAG were intended to show that FIFA was ready to engage with the Swiss justice system.

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Perrie Edwards enjoying quality time with footballer beau Alex Oxlade-Chamberlain amid lockdown

Brit singer Perrie Edwards, 26, is enjoying every moment alongside her footballer boyfriend Alex Oxlade-Chamberlain, 26, during this Coronavirus-caused lockdown in the
United Kingdom.

"I feel like I'm really enjoying this [lockdown], I can't lie. I'm having the time of my life. I've never spent so much time with my boyfriend. I've never spent so much time in my house," Perrie, who is part of the British all-girl group Little Mix, told Los Angeles radio station KII-FM.

"It's like I've never had just so much time on my hands to do stuff that I've always wanted to, so it has been nice," added Perrie, who began dating the Liverpool star in 2016.

The couple have been regularly uploading pictures and videos, dancing together on social media, while Perrie has even performed a few songs.

Meanwhile, Alex too has been enjoying all the attention and recently said that Perrie is the "perfect wifey."

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From fab to flab! Rebekah Vardy's transformation will leave you in splits

Putting on weight is a common fear during this Coronavirus-caused lockdown. However, England football star Jamie Vardy's wife Rebekah prefers to deal with the issue in a lighter vein. While most celebs are posting pictures and videos of their workouts and chiselled frames, Rebekah uploaded this picture (right) on social media, showing off her flabs, a term she coined for her flabby abs.

Former model Rebakah, a mother of five, admitted that her weight-gain is because of excessive eating which included eating cookies and drinking wine.

"I've seen a lot of pics of people's amazing abs in lockdown so thought I'd share my cute little [FL]abs with you as well," Rebekah, 38, wrote on Instagram, going on to explain her daily diet. "For anyone interested in following my lockdown eating plan, it involves three quite healthy meals per day with my family, then I top up with a consistent intake of three cookies in between meals and after meals. Then, I make sure I'm keeping myself well hydrated with wine in the evenings," added Rebekah, concluding with a cheeky line: "I also do yoga."

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No more barbecue beef steak for Manchester City footballer Sergio Aguero

Manchester City's Argentine footballer Sergio Aguero has revealed that the secret to his goal-scoring prowess is a switch in diet from barbecued beef to chicken.

Sergio, who joined City from Atletico Madrid for £38million (R357 crore) in 2011, is their all-time high scorer with 254 goals from 368 games.

However, he struggled with weight issues until a few years back as his love for barbecued beef steaks lowered his blood pressure, leaving him feeling dizzy on the pitch.

"From 2013 to 2016, I could not adapt to food well. Then, I met an Italian doctor online and told him what I usually ate, which was a lot of meat. He said I should try chicken at least once a week. Initially, I was like 'uhhh' but then I adapted. He told me that if I'm very hungry, I should put rice and chicken together. Today, I'm a big fan of rice. Earlier, my weight was 81 or 81.3 kg. Now I am 79.5. In football, even if it's only half a kilo, you feel the difference. It's incredible," Sergio, 31, told Argentine TV channel, TyC Sports.

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Divock Origi: It will be painful if Liverpool don't win EPL title

Liverpool striker Divock Origi said it will be painful if they don't win the Premier League title despite being 25 points ahead at the top when the season was stopped abruptly in the wake of coronavirus pandemic.

The Belgian, however, agreed that safety of players and fans is the most important thing in these unprecedented times and there are things in life which just cannot be controlled.

"It would be painful if we can't get that title now. But there are things in life you cannot control. Safety is the most important thing now," Origi told Het Laatste Nieuws as per Daily Mail.

The Reds were on course for their first-ever Premier League title before the season was stopped on March 13. The last time Liverpool lifted the league trophy was 30 years ago, before the Premier League era.

Jurgen Klopp's troops lead the way with 82 points in 29 games while second-placed Manchester City remain 25 points behind with one game in hand.

Former Liverpool defender Fabio Aurelio had earlier said that the Reds should be declared champions if the current season cannot be finished.

"Even if the title is not officially recognised, everyone knows that the title belongs to Liverpool," the 40-year-old said in an interview to Globo Esporte news portal.

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Xavi Hernandez believes Lionel Messi can play in Qatar 2022 World Cup

Former Barcelona player Xavi Hernandez is certain of ex-teammate Lionel Messi featuring in the FIFA World Cup Qatar 2022 as he said that the Argentine has still got "five or seven very good years left in him".

"He's still got five or seven very good years left in him," Goal.com quoted Xavi as saying during an Instagram chat with another ex-Barca forward, Samuel Eto'o.

"He takes good care of himself and he can keep playing until he's 37, 38 or 39. He'll play at the Qatar World Cup, I'm sure," he added.

The 32-year-old Messi scored 24 goals this season in all competitions before coronavirus pandemic brought the football season to a standstill.

Xavi also expressed his desire to manage Barcelona saying that it is his dream to coach the club.

"In January, it wasn't the right moment. I had conversations with Eric Abidal [Barcelona's sporting director] and Oscar Grau [Barcelona chief executive] and a big offer, but it wasn't the right moment. I need a bit more experience. Coaching Barcelona is my dream. I'd like to do it one day. I've said that many times," he said.

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WAG Wars! Rebekah Vardy wants Coleen Rooney to apologise for accusing her of leaking fake stories to media

The virtual war between WAGs Rebekah Vardy, 38, and Coleen Rooney, 34, is far from over. It is learnt that Rebekah, wife of Leicester City footballer Jamie Vardy, wants a public apology from Coleen, the wife of former England captain Wayne Rooney, for accusing her in October of leaking fake stories to the press via social media.

While both ladies are currently locked in a legal battle, it is learnt that they will have an arbitration meeting on Zoom this week in a bid to avoid a costly court case, reported British tabloid, The Sun.

"Becky [Rebekah] is adamant she's done nothing wrong and has told her team she wants a public apology," an insider told the newspaper. "She was hurt that Coleen went straight on social media to lay the blame at her door, rather than speaking to her privately. She has maintained her innocence throughout and doesn't want this to be brushed under the carpet without Coleen publicly apologising," added the source.

The two used to be good friends before Coleen claimed in October that Rebekah's Instagram account had been leaking false stories to the press. Subsequently, Rebekah endured a lot of abuse on social media.

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Manchester City's Bernardo Silva enjoying lockdown with Portuguese model Ines Tomaz

Portuguese footballer Bernardo Silva has reportedly found love during the ongoing Coronavirus-caused lockdown.

The Manchester City star, who split from his French model girlfriend Alicia Verrando two years ago, is said to be in a relationship with Portuguese model Ines Tomaz.

According to a report in the Portuguese media, Bernardo has been in lockdown near Lisbon in Portugal with Ines for over a month, but the couple are not keen to rush into things.

"They've not been together for very long and they want to take things slowly," a source told Portuguese newspaper Correio da Manha.

It is learnt that Bernardo and Ines have been watching Netflix, playing the piano and even learning to cook together. Bernardo revealed last week that he was in quarantine with a group, including Ines, and had even posted a picture of the bunch on social media.

"Hey guys, it's been over a month that we're all locked down in our homes so I have decided to show you a little bit of what our quarantine looks like. This is the group of friends with whom I'm spending my quarantine," he wrote.

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COVID-19: Bundesliga to restart behind closed doors on May 16

German professional football is going to return to action on May 16 to 18 with its first and second tier getting back underway. League association CEO Christian Seifert announced the permitted re-start is planned without games on Friday evening but contains two rounds of matches during the week. "We wanted to follow the wording in the orders of politics strictly," the 50-year-old commented, reports Xinhua news agency. All games will be run behind closed doors.

The season was interrupted mid-March due to the coronavirus crisis. Nine rounds remain plus one postponed match. German Chancellor Angela Merkel and the 16 federal state prime ministers gave the green light for a restart on Wednesday based on a comprehensive hygiene concept. Most of the 36 clubs voted for the earliest possible start. At least two sides, such as Werder Bremen and FSV Mainz 05, demanded a start one week later to gain time for additional training.

Seifert announced the season is to be continued with matchday 26, which contains the delicate derby of Borussia Dortmund against the FC Schalke 04 on Saturday. Six games are notified for Saturday, two on Sunday and one on Monday evening. All match-days contain a so-called late-game in the evening. The table leaders Bayern Munich face an away game against league newcomer Union Berlin Saturday evening.

The season's last games are planned to take place on June 27 to 28. Seifert indicated the Champions League final could be run around the end of August. The German Cup has to be rescheduled. To address parts of the demands of Bremen, their game against Bayern Leverkusen is scheduled for Monday on May 18. The federal state of Bremen was one of the last spots allowing training in smaller groups.

All 36 clubs took up full team training this Thursday. From Saturday on, all clubs attend an obligated seven-day-long quarantine. Players, staff, and family members will undergo a diverting number of tests. Referees are going to be tested by next week. Seifert said football concept could be a blueprint for other team-sports, fighting sports and athletics as well as for orchestras and theaters.

Clubs and association are in close contact with fan groups to avoid gatherings around the arenas. Therefore, negotiations take place with pay-tv broadcasters to provide certain games on free tv.

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Why Arbitrage Funds can be a Worthwhile Bet amidst the COVID-19 Pandemic

Posted by Equitymaster
      

During the COVID-19 lockdown, individuals are losing patience -- moving freely and not following the necessary social distancing. This lack of civic sense and maturity on their part is weakening our fight against the deadly contagion pathogen.

The capital markets, as a result, also has witnessed intense volatility and bears are running lose. Certain sections of investors, however, have shown tremendous maturity during these challenging times.

At a time when Foreign Portfolio Investors (FIIs) have net sold or dumped Indian equities (owing to markets worldwide falling sharply and margin calls being hit), domestic fund managers are looking for value-buying opportunities in the carnage of the markets.

It is also heartening to see retail and High Net-worth Individuals (HNIs) buying into various equity-oriented mutual funds in a lump sum as well as the SIP (Systematic Investment Plan) mode. Monthly SIP inflows have touched a record high in March 2020 and the SIP folios, too, surged to 3.12 crore.

However, in debt-oriented schemes, investors seem to be pressing the panic button. The mutual fund industry recorded a net outflow of Rs 1.95 trillion in March 2020. Barring Overnight Funds and Gilt Funds, all other sub-categories of debt mutual funds have reported an outflow in March 2020.

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Advance tax payment obligations, deterioration in asset quality, potential risk of defaults in the COVID-19 lockdown, and heightened volatility in the Indian debt market are some of the key reasons for outflows from debt-oriented mutual schemes.

[Read: Why Investors Pulled Out Money from Debt Mutual Fund Schemes in March]

The massive outflows were also seen from the Liquid Funds and Arbitrage Funds.

Table 1: Action in March 2020
Mutual fund category Rs in Crore
Net outflows in March 2020 Net AUM as on March 31, 2020
Arbitrage funds -33,767 52,210
Liquid funds -1,10,037 3,34,725
Overnight funds 26,654 80,174
(Source: AMFI, PersonalFN Research)

Unprecedented redemptions in the Arbitrage Funds and Liquid Funds, as well as the net inflows recorded by the overnight funds, suggest that investors preferred safety over returns. As you know, liquidity is a key concern as the world continues to fight the COVID-19 pandemic.

Some arbitrage schemes such as Tata Arbitrage Fund and ICICI Prudential Equity-Arbitrage Fund had stopped taking in fresh subscriptions in the third week of March 2020 for the lack of arbitrage opportunities as markets faced broad-based selling.

But now markets are finding some sort of stability and bouncing back -- rallied over 20% from March lows - although the bears continue to run loose.

So, is it a time to consider arbitrage funds again?

Yes, I think so.

Arbitrage Funds aims to exploit the price differential in two different segments (spot and futures or cash and derivatives) of the equity market. They buy stocks in the spot market and sell in the future market simultaneously thereby making gains with the price differential (called the spread).

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The differential usually is in sync with the prevailing interest rates in the economy; but depending on the market volatility, it could sometimes be higher as well. That being said, these are short-term opportunities that spring up due to lack of information to a set of market participants in one of the markets.

The capital market regulator's mutual fund categorisation and rationalisation mandates that an Arbitrage Fund must strictly follow the arbitrage strategy and invest at least 65% of its total assets in equity & equity related instruments.

Since the transactions are in either direction, the positions are completely hedged. And the remaining 35% of the total asset is deployed in debt and money market instruments.

In March 2020, when the stock futures started quoting at a discount to the spot prices in the cash market, it was a concern. But now that we have seen some sharp up-moves in the Indian equity markets as the government has done relatively well in containing the spread of the deadly virus (compared to other nations) and thanks to the prompt fiscal measures also have been taken -- both by the Ministry of Finance (the Rs 1.75 trillion package) and the Reserve Bank of India (by reducing policy rates sharply, keeping monetary policy stance 'accommodative as long as it is necessary', and ensuring enough liquidity in the system) -- in my view, it would be perceived positively by the markets in times to come and enough arbitrage opportunities would be available. It is possible that Arbitrage Funds may even perform a tad better vis-a-vis Liquid Funds.

Table 2: Report Card of Arbitrage Fund, Liquid Funds and Short Duration Funds
Scheme category Returns (Absolute %)
1 Month 3 Months 6 Months 9 Months 1 Year
Ultra-Short Duration Fund 0.65 1.44 1.89 4.91 6.51
Arbitrage Fund 0.04 1.33 2.58 4.18 6.28
Liquid Fund 0.58 1.37 2.69 4.21 6.02
Overnight Fund 0.22 1.02 2.25 3.58 5.1
Short Duration Fund 1.43 1.97 3.45 5.06 5
Crisil Liquid Fund Index 0.49 1.4 2.83 4.43 6.32
Nifty 50 Arbitrage Index -0.17 0.85 2.02 3.62 5.8
Category average returns presented
Data as on April 17, 2020
(Source: ACE MF, PersonalFN Research)

Over the last one year, the returns generated by Arbitrage Funds have been quite satisfactory. In fact, these funds have outperformed those clocked by Liquid Funds. The 3-month returns clocked by Arbitrage Funds have been almost at par with Liquid Funds.

Do note that an Arbitrage Fund carries low risk and the returns depend on the market conditions and fund manager's ability to reap rewards from arbitrage opportunities.

Short-Term Capital Gains (i.e. realised profits within a year) on arbitrage funds are taxed at 15%, while the Long-Term Capital Gains (i.e. gains made after staying invested for more than a year) are taxed at 10% for gains above Rs 1 lakh in a financial year.

To park money for the short-term for an investment time horizon up to 1-year, you may consider investing in an Arbitrage Fund.

And if you have an extreme short-term time horizon (of 3 to 6 months), consider a Liquid Fund with high-quality debt papers, which does not have high exposure to Commercial Papers (issued by private entities).

Alternatively, if you wish to park in a much safer category, you would be better off investing in an Overnight Funds.

Happy Investing!

PS: If you wish to select worthy mutual fund schemes, I recommend you to subscribe to PersonalFN's unbiased premium research service, FundSelect.

Additionally, as a bonus, you get access to PersonalFN's popular debt mutual fund service, DebtSelect.

Each fund recommended under FundSelect goes through our stringent process, where they are tested on both quantitative as well as qualitative parameters.

Every month, PersonalFN's FundSelect service will provide you with insightful and practical guidance on equity mutual funds and debt schemes - the ones to Buy, Hold, or Sell.

If you are serious about investing in a rewarding mutual fund scheme, Subscribe now!

Join Now: PersonalFN is now on Telegram. Join FREE Today to get 'Daily Wealth Letter' and Exclusive Updates on Mutual Funds

Author: Rounaq Neroy

This article first appeared on PersonalFN here.



PersonalFN is a Mumbai based personal finance firm offering Financial Planning and Mutual Fund Research services.

Disclaimer:
The views mentioned above are of the author only. Data and charts, if used, in the article have been sourced from available information and have not been authenticated by any statutory authority. The author and Equitymaster do not claim it to be accurate nor accept any responsibility for the same. The views constitute only the opinions and do not constitute any guidelines or recommendation on any course of action to be followed by the reader. Please read the detailed Terms of Use of the web site.




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COVID-19: Tennis star Grigor Dimitrov will be taking a course at Harvard

While sports stars across the globe are trying their hands at doing things they never got to do thanks to the Coronavirus lockdown, Bulgarian tennis star Grigor Dimitrov has revealed he will be taking up a course at the Harvard Business School soon.

In a column for the ATP Tour website, Grigor wrote: "I'm starting a course at Harvard Business School in a few weeks. It's something I've always wanted to do. I loved being in school, but haven't had the chance to experience it to the extent that I would have wanted to. Now I have the time to do something new and different."

Grigor, who is currently in California, USA, during quarantine, added: "I decided to stay on the west coast of the US once it was announced that Indian Wells was cancelled. Tennis players are creatures of habit, so I still make sure to structure my day. Go to bed on time, wake up early, be productive in the morning. I'm a crazy fanatic when it comes to laundry and have been doing that twice a day."

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Simona Halep: It's unbelievable how world stopped due to COVID-19!

Wimbledon champion Simona Halep, 28, is pretty shocked to see a global lockdown due to the Coronavirus pandemic. "Not even in my worst nightmares could I think that the globe can stop in such a way. For me, it's a shock because I'm pretty young and haven't gone through too many tough times. This is something that belongs to a fantastic realm. They have stopped travelling, flight in order to avoid affecting our health and well-being. Maybe it's the best interdiction," Simona, 28, told Romanian TV show Garantat 100%.

The former World No. 1, who is currently in isolation at her Bucharest home, is taking "maximum care" to avoid contracting the virus, fearing it could affect her lungs.

"In the beginning, I had this fear but then analysed the situation and figured out that if you protect yourself, everything will be OK but I'm afraid for those with health issues. I fear this virus because even if we are healthy and have good immunity–we may resist it–but it [the virus] will leave us with a serious lung affection. That's why I have decided to take maximum care of myself. That's why I have decided to take maximum care of myself," added Simona.

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David Beckham is my style icon, reveals tennis star Jamie Murray

British tennis star Jamie Murray, 33, believes that he's the most fashionable person in his family. Jamie, the elder brother of former British No. 1 Andy Murray, 32, recently signed on as the brand ambassador for Edinburgh-based Andrew Brookes Tailoring.

Jamie hailed England football legend David Beckham's fashion sense. "David Beckham is my style icon. He always has his game face on. I'm sure a lot of effort goes into making sure he looks on point," said Jamie in an interview to The Herald Scotland.

About his own style, Jamie said: "[My style is] Pretty casual. With travelling so much, there's a limit to what you can take in your suitcase. I tend to keep it quite simple with jeans and sneakers, some t-shirts and hoodies."

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Birthday begins early for Maria Sharapova

Russian tennis beauty Maria Sharapova turns 33 on Sunday, but the celebrations already began for the former World No. 1, a day earlier. On Saturday, she shared this picture of a cake with her four million Instagram followers and captioned it: "This little piece of cake goodness arrived at our doorstep this morning [happy early birthday to meeee] and didn't make it past noon."

 
 
 
View this post on Instagram

A post shared by Maria Sharapova (@mariasharapova) onApr 17, 2020 at 5:18pm PDT

Originally known as a German tree cake, the Japanese got some skin in the game and crafted several versions of their own. It's one of my favourite morning coffee indulgences. Thank you, Yutaka!!"

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Let two become one! Billie Jean King agrees with Federer, Nadal

WTA founder Billie Jean King joined Roger Federer and Rafael Nadal on Wednesday in suggesting now is the time to merge the men's ATP and women's body into one umbrella organisation to oversee the two professional tennis tours. Federer, holder of the men's record of 20 Grand Slams, was the first to raise the notion on Twitter, triggering an overwhelmingly enthusiastic response from King and Nadal.

"Just wondering...am I the only one thinking that now is the time for men's and women's tennis to be united and come together as one?" Federer said. "I am not talking about merging competition on the court, but merging the two governing bodies [ATP and WTA] that oversee the men's and women's professional tours." Trailblazer King, who was a part of establishing the WTA in 1973 and was one of the 'Original 9' on the tour, said her support for the idea dates back decades.

Common voice needed

"I agree, and have been saying so since the early 1970s. One voice, women and men together, has long been my vision for tennis. The WTA on its own was always Plan B. I'm glad we are on the same page. Let's make it happen. #OneVoice," she tweeted. Nadal, who has 19 Grand Slam titles, supported his long-time rival's proposition. "Hey @rogerfederer as you know per our discussions I completely agree that it would be great to get out of this world crisis with the union of men's and women's tennis in one only organisation," he said.

Federer and Nadal argued by a merger tennis could emerge stronger from the Coronavirus lockdown which has seen the sport shut down, with Wimbledon cancelled for the first time since World War II and the French Open pushed back to the end of September. "It probably should have happened a long time ago, but maybe now is really the time. These are tough times in every sport and we can come out of this with two weakened bodies or one stronger body," Federer wrote. He said the current system was "too confusing for the fans when there are different ranking systems, different logos, different websites, different tournament categories".

Talks underway: Wawrinka

Later, three-time Grand Slam winner Stanislas Wawrinka claimed discussions are underway regarding the move with the ATP's chairman Andrea Gaudenzi. "It was not just a comment like that, there is more talk behind that. Gaudenzi at the ATP was already talking about it," he said during an Instagram Live with 18-time Grand Slam champion Chris Evert. Australian star Nick Kyrgios and two-time women's Grand Slam champion Simona Halep also said they were behind the idea.

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COVID-19 lockdown: Tennis babe Ashleigh Barty is happy for family time

Australia's World No. 1 tennis ace Ashleigh Barty, 24, likes to see the positives in life even in the most negative situations.

The French Open champ, currently at home Down Under due to the Coronavirus-caused lockdown, says there is no point in stressing over the uncontrollables.

"Everyone is in a unique situation, depending on what country they're from and all the governing bodies making different decisions. It's not a time to worry or stress about because it's something out of our control. There's always a silver lining, there's always something we could be grateful for, to be happy about. For me, it's being able to spend time with my family," Ashleigh told the WTA Tour website.

Meanwhile, Ashleigh has kept in touch with some of her friends on the Tour. "I spoke to Kiki [Bertens] and Jule [Goerges] and Simona [Halep] and Petra [Kvitova]. It's just to check it they and their families are fine. Firstly, it's always about health and looking after yourself and your family, and then sports is a bonus. This is a time where we can really appreciate the little things."

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Tennis babe Elina Svitolina has this on the top of her list during lockdown

Ukrainian tennis champion Elina Svitolina is keen to try new things during this Coronavirus-caused lockdown and hosting a TV show is on top of her list, according to tennisworldusa.org.

"I recently tried a completely new sphere. I have very long prepared for interviews and understand that it is not an easy job, especially for those people who are not in this area. I really liked it. Maybe in the future I want to do some TV show. It is interesting to me, and I think that now there is time to try something new," said the World No. 5 tennis ace.

Elina, 25, who is currently in lockdown with her Frennis tennis star boyfriend, Gael Monfils, 33, is also completingher online education. "I had to work hard to pull up on my French. I already know some of it, as I had learnt it before but now I'm doing an intensive mode. I am left with two tests: training on nutrition and I also want to take a course in psychology or fitness. This is what I want to do," added the 2018 WTA Finals champion.

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Sania Mirza becomes first Indian to be nominated for Fed Cup Heart Award

Tennis star Sania Mirza on Thursday became the first Indian player to be nominated for the Fed Cup Asia/Oceania Group I Heart Award. Former world number one and multiple Grand Slam winner, Sania, returned to Fed Cup competition for the first time since 2016 and guided Team India with her stunning performance, recording three doubles wins in the Asia/Oceania Group I tournament earlier this year in March. Her performance, along with another senior compatriot Ankita Raina, proved decisive in India's historic qualification to the Fed Cup Play-offs.

Reflecting on her nomination, Sania said the Fed Cup result at the Asia/Oceania tournament is one of the greatest achievements of her playing career. "Stepping on to the court for the first time in India colours was a moment of pride for me, back in 2003. It has been an eighteen-year long journey since then and I feel extremely proud and privileged to have contributed to the success of Indian tennis. The Fed Cup result at the Asia/Oceania tournament last month is one of the greatest achievements of my playing career. These are the moments an athlete plays for and I am grateful to the Fed Cup Heart Awards selection panel for this recognition" Sania said in a statement.

The Fed Cup Heart Award is an International Tennis Federation (ITF) initiative that was established in 2009 to recognize Fed Cup players. This year, six players have been nominated for the three regional Group I Fed Cup Heart Awards. In Fed Cup Heart Award's 11th edition this year, Priska Madelyn Nugroho of Indonesia is the second player nominated from the Asia/Oceania region. They are joined by Anett Kontaveit (Estonia) and Eleonora Molinaro (Luxembourg) from Europe/Africa; Fernanda Contreras Gomez of Mexico and Paraguay's Veronica Cepede Royg from the Americas, as the remaining four regional Group I nominations.

The winners of the Heart Awards will be determined by online voting by fans which will go live on 1st May and will go on until 8th May.

In 2019, Zarina Diyas from Kazakhstan emerged victorious from Asia/Oceania Group I.

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Sania Mirza: Coaches should be sensitive to 'hormonal changes that girls go through'

Tennis ace Sania Mirza said that one needs to be more sensitive while coaching young female sportspersons. Speaking in the All India Tennis Association and the Sport Authority of Indias digital Coachs Education webinar on Wednesday, Sania said that coaches need to be sensitive of the hormonal changes that girls go through while working with them.

"My dad always tells me that to work with a woman tennis player is a lot trickier and a lot more mental because I do think that there are a lot of issues that girls go through, especially when they are adolescent," said Sania.

"There are so many changes that are happening, internally in your body and externally as well. You are trying to be the best tennis player that you can be while there are so many hormonal changes happening as well, and it happens throughout the life of a woman.

"You can be a little bit more sensitive to their needs and the way they are because a lot of the times they are just trying to discover who they are, while they are also trying to be a tennis player. It can be a pretty tough job."

33-year-old Sania made her comeback to tennis this year after giving birth to her first child. She won the Hobart International in January before playing an integral role in helping India seal a historic playoff spot in the Fed Cup.

"Just the way I have managed everything else, I could manage both tennis and motherhood. I am lucky enough to have enough help around me as well, that is a huge plus point for me. My mom and my sister have played a huge part in giving me as much help as possible," said Sania on being asked about how she is managing the twin-role of mother and professional tennis player.

"A lot of people questioned it even when I was trying to make that comeback, how did you find time to lose so much weight. There's so much that happens with your body after you give birth. You just have to, sort of, adapt, find a way to take out two hours from your day to work-out and try to find that balance. It's also good for your own sanity as well, to find time for yourself."

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Opt for tassels, anklets for beach honeymoon

Representational picture

New Delhi: With beaches becoming the most preferred honeymoon destination, pack in funky and colourful tassel jewellery and chunky anklets, suggest experts. Nishant Tulsiani, director at Anaqa and Radhika Chitalia, designer at Joules by Radhika, have given inputs:

Your beach jewellery has to always be colourful to go with your swimwear, sarongs and the beach wear. For evening parties, you should go for some nice earrings with tassels in various colours. Always remember to wear light weighted jewellery.

A fine fusion of trinkets like sleek pendants and striking danglers in geometric shapes can be paired with both denims and sundresses and is always a good recommendation.

Chunky anklets in both silver and gold perfectly accessorise your feet when paired with your favourite flip-flops while on a beach with your partner.

Out of the huge variety available, layered neckpieces are an ideal companion for your honeymoon. They can be worn for a casual lunch or a formal night out with your husband.

Chic bracelets and bright coloured tassel earrings can also set the mood for a romantic outing with your beau.

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Here is why Dead Sea in Israel should be on your 2018 travel list

New Delhi: Looking for destinations for the year 2018? Here are some reasons to why you should visit world¿s oldest and most popular natural health resort - the Dead Sea in Israel

  • The Dead Sea is three million years old and the lowest point on earth at 1,388 ft below sea level.
  • The lowest point on earth is also home to the lowest road on the planet, Highway 90 located 1,289 ft. below sea level on the Israeli shore.
  • One of the saltiest water bodies on the planet, the Dead Sea has 10 times the salt concentration of ocean water creating the bucket list experience of floating on water.
  • What if we told you that the Dead Sea isn¿t a sea at all but actually a hypersaline lake ranked as the world¿s deepest salt water lake.
  • The world's first and most popular health resort, the Dead Sea was a favorite among royalty with the likes of King Herod the Great and Queen Cleopatra.
  • The biggest free spa on earth, the Dead Sea region has been attracting visitors from all over the world. The mineral content in the water, mud and salt, the low content of pollen and other allergens along with low solar UV radiation, combined with the atmospheric pressure and the depth, have healing properties for various skin diseases, respiratory ailments and rheumatic pain. A unique occurrence at the Dead Sea is of large amounts of asphalt which rises to the surface of the water. Ancient Egyptians would import the asphalt from the Dead Sea region and used it to embalm mummies.
  • Yes, the famous Dead Sea Scrolls were found here; hundreds of well preserved Biblical and non-biblical manuscripts that helped reshape historic views on religion.
  • Evidence shows that the Dead Sea may dry up within 50 years so we recommend a quick visit in 2018!

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Look your best on your summer vacation with these expert tips

In the age of instant social media uploads and the so-called mandatory airport selfies, one cannot do without planning a vacay wardrobe. If you have difficulty in staying within the luggage weight limit, this checklist is your best travel guide.

Cool casual
Deepika Padukone is the queen of effortless cool; her favoured combo being leggings and an oversized shirt or a pullover. Do your knees a favour and pick baggy pants for long flights.

The '90s kid
From Valentino to Masaba, the fanny pack is the new favourite of designers. Take a cue from actor Jacqueline Fernandez and clip one on to keep your essentials in place.

Athleisure
We don't see the athleisure trend settling down anytime soon. And it's the perfect trend to follow for travel, just like actor Ranveer Singh in this tracksuit.

Boho-chic
If comfort is a requisite, loose silhouettes should be your pick. Actor Esha Gupta does it well in this maxi. Natural beachy waves after a day by the seaside will complete your look.

Staples first
>> Linens are best for summer.
>> Wardrobe staples include shirts, your best denim, shorts and linen pants. Ankle-length linen pants can be worn with breezy cotton tops, T-shirts, shirts or kurtis, making four looks with one staple.

>> Footwear is bulky to carry. One pair of white shoes and flip flops or sandals will work with every outfit.
>> Denim shorts go with everything, be it T-shirts or a monokini. Dark or faded shorts work best, while ripped ones need a sporty approach.
>> For cooler places, a classic, big trench coat (each brand has a signature), socks, boots or shoes and a stole should be your essentials.

>> Always carry moisturiser, for the beach or the hills. A perfume is another essential.
>> Carry two styles of sunglasses to change your looks in your photos. Leave the rest to good natural lighting which is a guarantee when outdoors.

- Rupa Chourasia, stylist

From day to night
>> Pack garments in an assortment of light or warm fabrics, which will work not just for the outdoors but also in the AC.
>> For a packed itinerary that involves day outings, partying and outdoors, neutral heels, chic flats and one pair of sneakers will make your shoe-game on point.

>> For a day to night transition in the same outfit, carry small accessories and statement jewellery — slinky chains with a beach cover-up or a kaftan for the beach; interchange this look with a chunky neckpiece or earrings for the night. Make-up can help you achieve this shift too.


>> A small metallic sling bag, a medium tote or a leather backpack are versatile pieces.
- Reann Moradian, stylist

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Goa's Colva beach selected for Centre's iconic tourism project

Colva beach in South Goa has been selected by the Union Tourism ministry to be developed under the ambitious India¿s Iconic Tourist Sites Project, a senior official said today. Union Tourism Secretary Rashmi Verma made the announcement here today and added that it was the only beach along the 12 sites selected.

"It will boost tourism and build the profile of the area and bring about community development," state tourism officials said. The project envisages employment generation, development of local culture, beautification, infrastructure and other public amenities, they added. Verma said that a detailed master plan would be put in place to develop Colva beach as an iconic tourist site.

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1,200-year-old Buddhist carvings found in Tibet

Representational picture

Lhasa: Newly discovered cliff carvings in eastern Tibet may offer a glimpse into Buddhist art and local history from 1,200 years ago.

According to the regional cultural relics protection research institute, the discoveries dating back to the Tibetan Tubo Kingdom were found in Acur township of Qamdo city, Xinhua news agency reported.

The relics of the Buddha figure carvings were first found by construction workers who were mining for stones. The carvings are inscribed on cliffs that stretch some 10 metres in total.

Experts believe that the carvings were created in the 9th century, based on their style.

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7 best places beach lovers must visit in Portugal


Portugal. Pic courtesy/YouTube

With mild climatic conditions and more than 3,000 hours of sunshine a year, Portugal makes for a perfect holiday destination. Not only these but also 850 km of fabulous beaches and a valuable heritage add to the country's beauty. Also, if you are a food lover and have a taste for Mediterranean-influenced cuisine that is rich in flavours and aroma, then you must plan a trip to this southern European country soon.

If you are fond of beaches, then these are some of the best places to visit in Portugal:

1. Porto E Norte: It was in the Porto and in the North regions that Portugal was founded in the 12th century. The region is crossed by the River Douro which enters Portugal between the ravines and mountains of the interior to flow through the entire world heritage landscape where the Port and Douro wines are produced. In this area of mountains and natural parks, the region¿s heritage is seen in its castles, such as the one in Guimarães, and the shrines and churches which are the stage for pilgrimages in the summer.

2. Centro de Portugal: In the interior of the country, there are mountains and villages of granite and schist. Serra da Estrela, the highest peak in mainland Portugal, is the star of the mountains, with its endless landscapes and glacial lagoons. But there are also the Lousã, Açor and Caramulo ranges, where you can discover nature by hiking or by bike.

3. Lisboa Region: Lisbon is the place to be! Frequently chosen as one of the best destinations in Europe, the capital of Portugal is an old city, full of history and vestiges of the past and yet, at the same time cosmopolitan, multicultural, full of culture and life. From historical and heritage areas, from the Baixa Pombalina to Belém (where only yards separate the Jerónimos Monastery and Belém tower, both classified as UNESCO World Heritage Sites, together with the Monument to the Discoveries), to the newest part of the city ¿ Parque das Nações with its fabulous Vasco da Gama bridge (the longest in Europe and one of biggest in the world),to the characteristic neighborhoods of Alfama, Mouraria, Sé and Bairro Alto, with their winding streets, centuries-old houses and traditional shops, Lisbon is always surprising.

4. Alentejo: A land of Great Plains, cork oaks, vineyards, and excellent wines, of immaculately whitewashed houses, the Alentejo is also a land of outstanding beaches, some almost deserted in the hottest summer months. The largest continuous stretch of beaches in Europe for about 60 km long is perfect for a few days' rest and relaxation, but also for lovers of surfing and other water sports, who will find plenty of options here.

5. Algarve: With a coastline stretching 230 kilometers, more than 130 beaches, the beaches in Algarve are constantly ranked as some of the most beautiful beaches in the world and considered as Europe's Best Beach Destination by the World Travel Awards. The sea, which is always inviting for a dip or a wide range of water sports, the mild temperatures and award-winning golf courses, the Algarve also offers gastronomical experiences.

6. Azores: In the middle of the Atlantic, nine small islands surprise with their absolutely stunning landscapes. The Azores are an archipelago of rare beauty, full of tradition and history, with plenty of leisure activities for the whole family, both at land and sea. In Sao Miguel, the largest island and home to the capital Ponta Delgada, you must visit the incredible volcanic lakes of Sete Cidades, Fogo and Furnas.

7. Madeira: Madeira is a green oasis, with incredible natural beauty, right in the Atlantic Ocean. With two-thirds of its landmass, a protected area and the largest Laurissilva Forest in the world, a world heritage site, flowers and exotic fruits abound here all year round, thanks to the almost tropical climate. Those who enjoy outdoor activities and different degrees of challenge in walks along the levadas (old irrigation canals) or mountain trails that open out into lush landscapes and unique biodiversity will find the perfect destination here. The capital, Funchal, has an interesting history linked to the days of the discoveries and holds various events throughout the year, such as the Madeira Flower Festival, Carnival and the always spectacular fireworks that mark the beginning of the New Year.

(Edited by mid-day online desk, with inputs from ANI)

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Mumbai band Aankh Micholi tells you why Kashmir should be on your travel list


Some of the band members saw snow for the first time in Gulmarg

It's rare for a young band, new on the scene, to get the traction that the Mumbai-based Aankh Micholi has got in the last year. Formed in 2015 at the True School of Music, the alternative folk fusion has been performing all over the city and country in 2018, gathering praise for their soulful music, which they describe as "a marriage between powerful lyrics and compelling storytelling". Recently, the five members - Osho Jain, 23, Bharat Chandore, 20, Pankaj Pathe, 26, Akshay Dabhadkar, 21, and Hansel Dias, 23 - performed at Winterfell Café in Srinagar, which is known for musical performances.


The band also used a sled as a percussion instrument

"We had heard about the café and we just took a chance and called them, and said, 'would you like to host us?', and they couldn't have been happier. They also told us that we were the first non-Kashmiri band to have played in the Valley. The band, Parvaz, had performed before us, but all its members are Kashmiri," Jain tells us. We asked the band why they think the Valley should be our next travel destination and this is what they had to say.


And sang a few songs, which they shared on Facebook

'The people are amazing'
We literally haven't met better people ever before. Firstly, at the café, which takes its inspiration from the Game of Thrones, a crowd of over 50 turned up, which is great for that area. This café has a lot of things happening all the time - open mics, storytelling, all performance-based art. The music that we were playing was very different from the kind of music they are exposed to, which is basically Kashmiri folk music. This was very new to them, but they just loved it, and responded with such gusto. People are just nice everywhere you go, and help is at hand whenever you need it.


A select few airlines offer direct flights from Mumbai to Srinagar, or you can fly to Delhi and take a connecting flight

As soon as we landed, we just dumped our bags at our hotel, and headed to the Dal Lake. We then sat in the shikaras, and started playing our guitars and singing our original songs. We were entertaining people, and they were loving it. After a while, people joined us in the singing. It was one of our most overwhelming moments.

The snow is magical
On the second day we were there, we headed to Gulmarg. It wasn't supposed to snow that day, and hasn't snowed for the last 20 days. But, as soon as we got there, it started snowing, and even the locals were surprised. Some of us had never seen snow before. We were on the slopes and we were sledding. We also used the sled as a percussion instrument, and sang a few songs as we did a Facebook live from the slopes.

Binge on Kashmiri Noon chai
Since most of were vegetarian, food was a bit of an issue. But, we all fell in love with the kahwa. That sweet, sweet tea, really hit the spot in the cold. We also sampled the Kashmiri noon chai, also called sheer chai, gulabi chai, which is a traditional tea made with salt, milk and baking soda. It's very different to taste, and it would be right to say that it's an acquired taste. But we loved it.

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Goans skip beaches, hit hinterland to beat summer heat, encourage agro-tourism



While tourists from across the world come to Goa to enjoy on its picturesque beaches, the locals have of late been holidaying in the state's hinterland to get respite from the summer heat and humidity. Several Goans have been rushing these days to the riverfronts in the rural talukas of Sanguem in South Goa district and Sattari in North Goa district, thus encouraging a new trend of 'agro-tourism' in the state.

There are at least 100 farms in Goa, which operate seasonally, mostly in summer, away from the beaches, a senior state tourism official said. "While foreign and domestic tourists enjoy on the beaches, the locals in the beach belt try to search for something else. The agro-tourism has, thus, come as a good alternative," Goa's tourism minister Manohar Ajgaonkar said. The state government plans to provide all possible help to boost this hinterland tourism, he said.

"We aim to provide a diverse experience to the visitors. They should know all facets of Goa, right from beaches to our green hinterland," Ajgaonkar said. Prashant Desai, the son of former panchayat minister Venkatesh Desai, has turned a bushy patch at Advai village in Sattari into an agro-tourism destination. "The initial concept was to have modern farming with the cross plantation of banana, areca nut, coconut, papaya, lemon and other trees. But, a few of my well-wishers suggested that I should develop this place into a farm to attract tourists," he said. Now, the locals in large numbers throng the place, famous as the 'peacock farm'.

"My weekends since last four months have been full and now with the vacations on, we have advanced bookings even on weekdays," Desai said.
He claimed that about 90 per cent of the people coming to his farm were locals, while 10 per cent were visitors from other places, including Mumbai, who got to know about it through the social media. In the hinterland, one can also find inspirational stories of aspiring tourism entrepreneurs. Ramchandra Salgaoncar, who manages a papaya farm at Bhironda village in Sattari, left his cushy corporate job to venture into 'agro-tourism'. "I left my job in October last year and since then have been associated with this project of agro-tourism. It is a satisfying experience," Salgaoncar said. While Goa has the image of being a beach destination, several hotel owners from the coastal belt drive to Salgaoncar's farm to enjoy a quiet vacation during weekdays.

"The hoteliers are busy during weekends at their own resorts, so they can spare time to visit the farm only on weekdays," he said. The agro-tourism concept has been welcomed by professionals from various fields in the state and also young students, who prefer to skip weekends and get some discounts during weekdays to enjoy at these farms, Salgaoncar said. "The concept of tourism has changed. Now, people don't want to go to public places with their families. They want a private space where their families can safely enjoy. That is where small farms like ours flourish," he said. The Tanshikar farm in Sanguem taluka has been among the first few 'agro-tourism' ventures. Chinmay Tanshikar, who turned his ancestral farm into a tourist attraction, claimed that the number of visitors to his place has been increasing every year. "The word of mouth publicity works better than any other media campaign," he said.

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This story has been sourced from a third party syndicated feed, agencies. Mid-day accepts no responsibility or liability for its dependability, trustworthiness, reliability and data of the text. Mid-day management/mid-day.com reserves the sole right to alter, delete or remove (without notice) the content in its absolute discretion for any reason whatsoever





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12 must-have beauty products for travel



The difference in climate, atmosphere and surroundings while you are travelling can have a major impact on your skin hence it is important to carry some of the must have skincare products while travelling to avoid damage to your skin.

Blossom Kochhar, Chairperson, Blossom Kochhar Group of companies, lists some necessary things to keep with you while travelling.

1. Sunscreen lotion: The first rule while travelling is not to forget your sunscreen while packing irrespective of what the climate is like. It not only protects your skin form the harmful UV rays of the sun but also prevents tanning and prevents premature aging. If you plan to stay out for long in the sun, opt for a sunscreen with SPF 30 or SPF 30 PA ++.

2. Face wash: Since your skin is exposed to different environments while travelling, you are bound to attract dirt and bacteria; therefore a face wash is a must in your travel kit

3. Moisturise: A moisturiser is very important while travelling especially for long haul flights as your skin becomes dry up in the air. While travelling to humid regions like a beach holiday, an oil free moisturiser with juniper berry is recommended.

4. CTOM small kit: For a glowing and healthy skin cleansing, toning, oiling and moisturising is the key. This helps in removing all the dirt from your skin, keeps it hydrated and opens up clogged pores so that your skin can breathe with ease.

5. Lip balm: Since you are unaware of how the change in climate will impact your skin, it is very essential to carry a lip balm to keep your lips hydrated and avoid flaky lips.

6. Vitamin C lightening gel: It is best to use it on clean skin after using a toner. Apply on your face and neck in gentle circular motions. It is best to use this gel before applying makeup.

7. Lavender oil: Lavender oil helps not only to keep you calm and relax your mind while on a long journey, but it also treats sun burns. It is also advisable to keep lavender oil handy while you are travelling, be it on the hills or on the beach.

Geetika Mittal Gupta, Founder and Medical Director at ISAAC, too has some inputs to share.

8. Travel skin-care kit: The one thing you need to coordinate and organise ahead of time is a travel skin-care kit so that you can avoid any skin catastrophes that might ruin your trip. Nowadays, every brand is coming out with its travel size packaging. Hence, making it easy to follow our skincare regimen even during travel.

9. Wet wipes: Wet wipes or thermal spring water are a must when one is travelling. They help in keeping the skin clean and dirt free while travelling. When we move out of our house, there are more chances of dust accumulation, hence it is very important to have them handy while you're on the go.

10. Face mists: Face mists too help to keep the skin well hydrated specially in the dry regions.

11. Moisturiser: A daily moisturiser and Rosehip Oil is a must in the travel bag as one might need it every now and then while travelling. For the lips, a lip balm with at least SPF 15. Even better if the lip balm is tinted to add that pop of colour to the lips.

12. Night cream: A nice soothing night cream and a Vitamin C rich serum is definitely something that should find space in your travel kit.

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This story has been sourced from a third party syndicated feed, agencies. Mid-day accepts no responsibility or liability for its dependability, trustworthiness, reliability and data of the text. Mid-day management/mid-day.com reserves the sole right to alter, delete or remove (without notice) the content in its absolute discretion for any reason whatsoever





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Escape from Mumbai and find inspiration in this beautiful rural setting


A Writers Retreat session in progress

While most of us aren't as lucky as Ruskin Bond to call the hills of Uttarakhand home, a brief escape to nature can help get the creative juices flowing. If you love writing and feel you could do with some inspiration as well as insights into honing your prose, the upcoming edition of Writers Retreat might be your ideal getaway.


The sprawling open-air venue

Designed by the live storytelling event series, Tall Tales, and Grassroutes, an organisation that seeks to connect the urban dweller with the rural community, the two-day retreat will take place in Dehna. The village, located at a two-hour drive from Mumbai, is nestled in the Sahyadris. And thanks the many streams and rivulets that spring up during monsoon, it is also called the land of a thousand waterfalls.


Michael Burns

The retreat features seven workshops rolled into one along with some free time to explore and soak in the rural life. "The first day is all about the universal story structure - how to start stories, what to do in the middle, and how to end them. Irrespective of the language or genre, there is a basic structure that many writers with great ideas find difficult to adhere to," says Michael Burns, director of Tall Tales. The day will end with a film screening, where participants will watch a structured story unfold on screen.

The next day will get into the nuances of good writing, like designing unforgettable characters. "Some writing exercises will encourage participants to explore their relationship with nature; something that's difficult to achieve amidst the distractions of a busy city like Mumbai," signs off Burns.

On: October 1, 9 am onwards
Meeting point: To be decided three days prior to the trip
Log on to: instamojo.com
Email: akshay@talltales.in (seats limited)
Cost: '8,000 ('7,000 for students)





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The creator of 'The Awkward Yeti' was inspired by Calvin and Hobbes

Nick Seluk, the American artist behind the popular The Awkward Yeti comics, on his ingenious organ characters and more

What made you pick a blue yeti as the central character?
I imagine the blue yeti [Lars] as a misfit among the attractive, extroverted white yetis. He looks, acts and thinks differently than the average yeti, and for that reason, feels disconnected. To me, it was a funny way of exaggerating my own awkwardness and introversion.


Nick Seluk

What is the key to creating intelligent comics for kids?
The key is that I don't make them for kids. I make them for adults, but I simplify the information to the extent that people of all ages can enjoy them.

Why did you decide to study psychology?
I have been very introspective, and psychology was an interesting way to learn about myself and others, like how we differ and relate. Much of what I learned reinforced what I already knew through observation, and gave me the confidence to use those concepts (albeit abstractly) later on in comics.


Pic courtesy/theawkwardyeti.com

If turned into a film, who do you think should voice Lars?
There are so many great options. I imagine a sort of deep, awkward voice for Lars, perhaps a John C Reilly or Brian Posehn.

What's your favourite organ character?
I love Heart because it represents my desire to be myself, be weird and try new things (not always successfully). My favourite character to write for is Tongue, because the character takes impulse to a new level.

A new organ character that you would want to introduce?
Most organs have made an appearance at some point, but the one I still want to make into a character is the mesentery, because it's sort of a bizarre grotesque shape that would be fun. I don't know if it would make regular appearances, but I hope it will show up some day.

Do you run your comics by your family for critique?
I used to do that a lot, but now I usually post the comic on Twitter first. It's my smallest social media audience, so I kind of use it to test it out. If it does well enough, I share it with my larger audiences on Instagram and Facebook.

Which artists inspire you?
I grew up reading and gaining great inspiration from Calvin and Hobbes, The Far Side, and The Simpsons. In the past few years, I have found a lot of inspiration from artists whom I meet while travelling.

Are you familiar with the works of Indian artists?
I am not, but I'm excited to be at Mumbai Comic Con because what better way could there be to start learning about them?

On: November 11 and 12 (11 am to 8 pm), Seluk's special session on 12, 4.30 pm
At: Bombay Exhibition Centre, Goregaon East
Log on to : comicconmumbai.com
Entry: Rs 499 (day pass)





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Punjabi Dalit rapper's offbeat style has made her a youth sensation

Ginni Mahi must have been in Std VIII or IX when she first became aware of the divisive nature of the caste system. A girl in her class had asked her which caste she belonged to and Mahi did not know what to say. The Mahis constitute nearly 40 per cent of the scheduled caste population of Jalandhar, her hometown. The 19-year-old grew up on stories about Dr BR Ambedkar, the founder of the Indian Constitution and the teachings of Guru Ravidas, who led the Bhakti movement in Punjab in the 15th century. Theirs is, as her father Rakesh Chandra Mahi calls it, an "Ambedkarite family". It's no surprise, therefore, that both Ambedkar and Guru Ravidas have become a mainstay in Mahi's songs, which, over the past year has catapulted her into a bestselling Punjabi rapper, even earning her the tag of a "Punjabi Dalit rapper".


Ginni Mahi

The tag, however, doesn't agree with Mahi. Even though in her videos the singer wears a definite rapper swag, be it in a leather jacket or a patiala suit, she says her genre cannot be called that. "It is definitely a fusion between Western beats and Punjabi style, but I am not sure if you can call it rap," says the singer who performed in Mumbai for the first time yesterday at a congregation of women speakers. Mahi, who did her first live show when she was 12, knew from a very early age that she wanted to do "something to fight inequality in society". "Since I could sing, I had all these dreams, of doing live and reality shows. I was very little but I was already shooting for the stars," she smiles. While she has brought in a unique style to talk of the life and times of Dr Ambedkar, she was sure that it would work, even though no one had tried it before. "We have a team of lyricists who work hard to figure what should go, and more importantly, what should be dropped from a song. Addressing sensitive subjects like inequality and untouchability is always tricky territory. There has been an overwhelming amount of support, and some negative feedback too. But if there is no criticism, there can be no improvement," says the singer who performed in Mumbai for the first time yesterday at 'We The Women', a congregation of women speakers.


Ginni with her father Rakesh Chandra Mahi

Even though this is her first visit to Mumbai, Mahi could barely make time to look around. "My second year finals are on, I have an exam on Monday," says the singer who is pursuing graduation in music, from HMV College in Jalandhar. "Studies are my priority, I want to do my masters, and then my dream is to do my PhD in music. A doctor heals people with his knowledge in medicine. I want to know music so well, that one day I am able to heal people with music," she says. In terms of her singing career, Bollywood, of course is the dream. "I want to be a playback singer here, much like my idols Lata Mangeshkar, Shreya Ghoshal and Sunidhi Chauhan."


A still from her hit song, Fan Baba Sahib Di

While Mahi's music wants to break the shackles of inequality, that she herself has earned the tag of a Dalit rapper is an irony she just might have to live with. "My message is humanity, to erase caste politics. No one, especially artists, should be bound by class or caste. Such a tag, even though it has earned me fame, beats the purpose. But then, that is how the world works, in labels. We have entwined ourselves in all kinds of borders that separate us from each other."

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Mayank Gandhi reveals how people's movement became one-man game


Mayank Gandhi on ground at rural development projects

The Aam Admi Party (AAP) took the country by storm in 2012 and people believed they were looking at a new dawn. But "leaders are not what they seem like from far. When you go closer, you can see that they have feet of clay. What they project and what they actually are, are two different things", alleged Mayank Gandhi, former AAP leader and a founder member of the party, in an email interview, hours before his book AAP & Down: An Insider's Story of India's Most Controversial Party (Simon and Schuster India), co-authored by Shrey Shah, was released in the city yesterday.


At the book launch in Mumbai. Pic/Bipin Kokate 

Wake up, India
The tell-all was released to mark the third anniversary as the ruling party in Delhi. When we asked the Mumbai-based leader about his reasons for penning it, he said, "The primary purpose was to lay down the bare truth about what happened and how the country's citizens realised that democracy was more than just about voting during five-year elections. It is to also tell the youth who still harbour the hope of alternative politics coming from AAP that their dream is over."

In the book, besides Arvind Kejriwal and Anna Hazare, Gandhi focuses on those who worked behind the scene to shake the nation into consciousness. He elaborated, "As a young man, I had felt the pain of being betrayed when the Janata Party experiment failed, in which I had personally invested part of my life. I was insignificant then and inconsequential. Now, when the youth of the country are being betrayed all over again, I can feel their pain. And this time, I am not so inconsequential and would like to be a medium of letting the people know what happened and how."


A file photo of Arvind Kejriwal at an AAP rally in Delhi

Opportunity lost
Gandhi, who played a key role in AAP's formation, admits that writing the book was a tumultuous journey. From re-living the India Against Corruption (IAC) days to the crushing of dreams, "the only thought that came to my mind was the opportunity that we lost in transforming the nation". Gandhi believes that AAP failed because instead of maintaining the founding principles for which it received extraordinary support, the party decided to indulge in the three Cs — corruption, casteism and communalism — after it won Delhi by unprecedented margins. "This impatience and abandonment of ethics and morals was the biggest mistake it made," he said.

But despite losing focus, the IAC movement has given people the courage to assert themselves before authorities and politicians. "Counter hegemony has started appearing as people have understood the power of standing up to the wrongs," says the man who has decided to focus on development politics, and is now working for the development of rural India, starting with the Beed district in Maharashtra.

AAP & Down, which is a documentation of India's "second independence" struggle according to Gandhi, gives readers a chance to see how power changes man. "People who operate in the name of serving the poor, many a times are serving their personal ambitions and egos," the author said.

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Seven benefits of mangoes for skin and hair

Representational picture

Mangoes can be used for skin and hair in several ways as they are loaded with vitamins, minerals and antioxidants, all of which are good for the skin. Here are some amazing skin and hair benefits of mangoes.

Helps get a glowing skin: Mangoes are loaded with beta-carotene and Vitamin A. For a glowing skin, smear mango pulp on your face and leave it on for 30 minutes. Beta-carotene and Vitamin A present in mango help to revive the dull skin and turn your skin into a radiant one.

Helps fight acne: The beta-carotene in mango helps fight acne. The best time to apply mango pulp is at night. Apply a handful of mango pulp at night and keep it for an hour. Wash your face before going off to sleep. Alternately, boil a raw mango until the water is reduced to half. Use this water as facial astringent for drying up acne naturally. Use the mango astringent regularly on your face to get rid of acne, pimples and scars.

Helps get a fair skin: Beta-carotene in mangoes has a strong anti aging effect. In addition, Vitamin C in mangoes helps rest down collagen. Mangoes are a great way to reduce dark spots, freckles, acne scars and pigmentation. Apply mango pulp during summer to get a clear and fair skin that is free of blemishes, wrinkles, scars and acne.

Acts as a great exfoliating agent: Mango pulp when applied on skin along with glycerine or honey, helps to exfoliate dead skin cells. This, in turn, results in a smooth and glowing skin. Mix one spoon of mango pulp with one spoon of raw milk and two spoons of honey. Rub the paste on your face gently to remove blackheads and whiteheads. You can use mango scrub for removing dead skin cells and bring back the natural glow.

Acts as a natural peel off mask: We are aware of chemical peel off masks available in the market and their benefits on skin. Raw mango pulp is high in AHA (alpha hydroxyl acid) and Vitamin C, both of which are excellent peeling agents. Vitamin A does wonders to your skin and its deficiency can cause dullness, result in open pores as well as lead to eruptions on the arms, elbows and knees.

It is beneficial for hair: The seed of mango (soft part after breaking the outer hard seed) when kept in oil (any) for few days, and then applied, helps you to get rid of grey hair and prevents hair loss. When the same is mixed with fenugreek and yogurt, it serves as an excellent home remedy for dandruff.

Helps to form happy hormone: Mangoes contain a lot of tryptophan, which helps in the formation of the ‘happiness-hormone’ serotonin. A rise in happy hormone automatically cheers you up and brings back the natural glow on your face. Mango is thus called a happy fruit.
With inputs from Dr Apratim Goel, of Cutis Skincare Studio

Also Read: Mumbai Food: 8 Delicious Mango Dishes You Must Try During Summer

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Do you know these health benefits of bottle gourd or doodhi

Representational picture

A bottle gourd or dudhi as we call it is one of the healthiest vegetables. When it is fresh, the fruit has a light green smooth skin and white flesh. Doodhi is about 92 percent of water and minerals which keeps your body hydrated. The bottle gourd or doodhi has a long list of health benefits. Dr. Manoj Kutteri, Wellness Director at Atmantan Wellness Director lists some of them

  • Cooked bottle gourd aids for better digestion. It is cooling, calming, diuretic and anti-bilious (reduces bile and stops indigestion). The B vitamins assist in increasing the body’s metabolic rate to better digest fats, proteins, sugar and carbohydrate.
  • Like cranberries, bottle gourd supports the kidneys and the urinary system of our body by reducing burning sensation from high acidic urination. It also reduces the chances of urinary infection because it is alkalizing and has a diuretic effect. Consume if you have high creatine and uric acid.
  • A nutritious vegetable for the female reproductive system.
  • It is extremely popular for weight loss especially the bottle gourd juice.
  • Bottle gourd is extremely popular for reducing high blood pressure and bad cholesterol in some people.
  • Bottle gourd is known to combat excessive thirst in diabetic patients.
  • The fiber and the minerals in the bottle gourd support healthy digestion and combats constipation, colic pain and ulcer.
  • Helps to prevent premature greying and improve hair growth.
  • The Vitamin C and Zinc in lauki prevent pre mature aging and wrinkles as well.
  • Bottle gourd is recommended for reducing liver inflammation.
  • Lauki juice taken with ginger or black pepper can help with respiratory health.
  • Bottle gourd is over 90% water therefore it is easy to digest
  • The vitamins, minerals and dietary fibre in lauki keep the body well-nourished and curb unnecessary appetite, especially if you drink its juice in the morning on an empty stomach.
  • It also contains sodium, potassium, essential minerals and trace elements, which regulate blood pressure and prevent the risk of heart ailments.
  • High in sodium and potassium, bottle gourd is also an excellent vegetable for people with hypertension.
  • Mixing the juice with sesame oil provides an effective medicine for insomnia. Massage the scalp with this preparation every night.

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Gestational diabetes may increase risk of kidney damage

 



Gestational diabetes -- high blood sugar condition during pregnancy -- may cause early-stage kidney damage that can later lead to chronic kidney diseases among women, reported a study.

The study showed that women with gestational diabetes were more likely to have a high glomerular filtration rate (GFR) -- an estimate of how much blood per minute passes through the glomeruli, the tiny filters within kidneys that extract waste from the blood.

Women with gestational diabetes had more than triple the risk of an elevated GFR, which may precede the early kidney damage that accompanies pre-diabetes -- a condition with higher blood sugar levels but not high enough to be classified as diabetes.

"Our findings suggest that women who have had gestational diabetes may benefit from periodic checkups to detect early-stage kidney damage and receive subsequent treatment," said Cuilin Zhang from National Institutes of Health's Eunice Kennedy Shriver National Institute of Child Health and Human Development (NICHD) in Maryland, US.

The study, published in the journal Diabetes Care, included data from 601 Danish women having gestational diabetes and 613 non-diabetic women.

The results showed that women who had gestational diabetes and later developed diabetes were approximately nine times more likely to have an elevated GFR later in life, compared to women who did not have gestational diabetes.

They were also likely to have an elevated urinary albumin to creatinine ratio (UACR), which is an indicator of kidney disease.

The study could not prove that gestational diabetes causes kidney damage, and the authors noted that more research is needed to confirm their findings.

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How do I tell my girlfriend to wear better perfume?

I want to find a way of telling my girlfriend to wear better perfume without hurting her feelings. She smells like a florist's shop, which is irritating and hard to ignore. How do I do it in a subtle manner?
If you believe her perfume doesn't suit her, you should talk about it while giving her the prerogative of continuing to wear it if she likes it. Being honest is an important part of building trust, and she should trust you enough to know that you mean well. Also get another person's opinion though. You may be the only one who thinks it excessive. Maybe you have an over-sensitive nose and everyone else thinks she smells great.

My boyfriend refuses to take anything I say seriously. He loves me a lot, but anything I say is treated with amusement, whether it is my opinion about a restaurant or anything to do with his career. He assumes only the things he and his friends say matter. I don't know if he believes I am genuinely incapable of thinking, because I sometimes feel like a child when I am around him and his friends. This affects me to such an extent that I now simply clam up when I am out with them and speak only when I am spoken to. I don't even bother contributing to any discussion or argument because they don't acknowledge my perspective. How do I get him to take me seriously?
This isn't about him taking you seriously; it's about respect. If he thinks you are incapable of thinking, or that your opinion is of no importance to him in any way, why is he with you? If he doesn't respect your perspective, why does he want a relationship with you? If this is a one-sided affair with no exchange of opinions, thoughts, likes and dislikes, what makes you think this is a substantial relationship worth wasting time on? I suggest you ask yourself, and him, these questions first.

The inbox is now open to take your most carnal and amorous queries. Send your questions on email to lovedoc@mid-day.com

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Nidhi Tiwari on making women confident behind the wheel and tackling mountains


Nidhi Tiwari (in orange) with her crew

I have always felt that mobility is key to empowerment — especially where women are concerned," says Nidhi Tiwari, an extreme terrain driver. Let us explain her job profile by outlining a few of her achievements — she is the first Indian woman to drive from Delhi to London in 2015, and became the first Indian to drive to the Pole of Cold in North Eastern Siberia in 2016. She also founded Women Beyond Boundaries (WBB) in 2015, which focuses on undertaking extreme overland journeys. Recently, Tiwari led a crew of five female drivers to Upper Mustang in Northern Nepal, and they became the first crew of women drivers to reach Lo Manthang (the erstwhile capital of the Kingdom of Mustang).

With an average height of around 13,000 feet, the area hosts two of the higher peaks in the Greater Himalayas that stand above 8,000 metres — the Dhaulagiri and Annapurna. "No women drivers from anywhere in the world had ever driven up the treacherous road to Lo Manthang. But then, every journey is about pushing boundaries," says the 37-year-old, who has been now driving for 13 years. The women drove from Delhi and entered Nepal via Gorakhpur to reach Pokhara in two days, from where started the off-road section into the Mustang Valley. Mustang is infamous for its non-existent and challenging roads punctuated by numerous streams and nallah crossings. A particular section between Muktinath and Tsarang, though only 36 km, took them eight hours. And then they headed to Lo Manthang, which is located just 50 km short of the Chinese border.


Five women drove the cars to Mustang

Delhi-based Tiwari may have been be well equipped with what such a journey entails but as they drove, major challenges cropped up. Most of the crew were city drivers and they were all learning on the go. "It was a very steep terrain, with plenty of blind corners," she describes. For example, one had to be very careful where they placed the wheel — there were instances where the road had a gorge on one side, and a river bed on the other. "But the way they adapted to the terrain — that transformation was a very big high for me," says Tiwari of her team. This could do with the kind of training Tiwari is known to provide. Her WBB workshops aim to make women self-sufficient as far as driving goes. "It's all about self-maintenance. A woman has to be ready to fix tyres."

Tiwari also chose her crew with care, making sure she had a varied bunch on the trip. There was an academician, a physiotherapist, an IT professional, and an e-commerce expert. "Extreme terrain is seen as a man's forte. We have broken that misconception. It threw the spotlight on some critical gender questions that have hovered around driving, expeditioning and the extreme terrain overlanding space. Along with being the first women to get there, we are also the second set of Indian vehicles to get there. Isn't that something?"

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Game review: Being Human is the story of three androids living out human lives

Detroit: Become Human is driven by a melodramatic story set in the US city of Detroit in 2038. The story is told through exploring the day-to-day lives of three androids Kara, Markus and Conrad. How the story unfolds and where it progresses to is all determined by the choices you make while playing these characters. Actions performed affect the people around you and, in turn, affect your interaction with them. There are no wrong or right choices in the game. No matter what you choose, there are people who are going to get disappointed in you.

The story is divided into tiny slices where you play one of the three characters. At the end of the slice you get a story-tree where you can see where the choices you made changes the story and multiple branches where the story could have ended up. The good news is you can replay the game and explore all the different choices. The characters are all-player by actual actors and, needless to say, this game looks amazing, its as close to a real human as a game can probably be right now. The facial movements in the game are well constructed. The world too is carefully crafted with elements of the past integrated with something modern.

It's the way things are now modern integrated with older structures. The three characters you play are also very distinctive and come from different strata of society, giving you a peek of how life might be in the future. Kara for example is an android owned by a violent unemployed man who is bitter about the way his life has turned out, while Markus starts out with a well caring owner that treats him as an equal and Conner is an employee of Cyberlife, the company that makes and sells the Androids and is investigating why the androids are turning into deviants.

The plot is the oldest in the book, which is sad. But the way it plays out and the options you have to make along the way make it more than intriguing. Your choices at times will hurt your soul and that is the object of the game, to make you connect and feel for the choices you make and its consequences. Even the menu narrator doesn't spare you from the emotional drama.

When you start the game, you are greeted by a Cyberlife android that is constantly on screen talking to you. It will make you fill a survey and will slowly and steadily make you feel for it. As mentioned, the core of the game is the story, but there are a few puzzles, some timed single button combat situations also thrown in. But most of the time, especially at the start, you are doing menial tasks: press this to open the door, twist this to wash the dishes and more boring instructions. Even though it was slow and boring, it gave us a window in the life of a robot slave. We wish, however, along with the upgrade in the emotional status they were allowed to do more than just walking to places and activating things.

If we really had to complain about anything, it would probably be the dialogue. It's not bad by any standard, but if it was better, this game could have been something else. Most of the dialogue and reactions are what you would expect someone who just got in to script writing to write. The lines are not crisp and fail to provide a punch, you couldn't or rather wouldn't want to quote any of the characters in the game. If you are looking for a movie experience like no other, Detroit Become Human is perfect for you. It is jam packed with twists turns and is an emotional roller-coaster. Much like a binge worthy series you will want to play this in one go and then repeat till you have explored all options and it doesn't hurt that it looks so good.

Detroit: Become Human
Rating: 4.5/5
Developer: Quantic Dream
Publisher: Sony
Platform: PlayStation 4
Price: Rs 3,999

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Three Mumbai photographers explain the art behind the perfect candid click


Anand Ahuja and Sonam Kapoor

Remember when a "candid" photograph at a wedding meant pictures of the couple and guests stuffing their faces with food? Well, thank God, that seems to have changed. If the recent celebrity weddings — Sonam Kapoor and Anand Ahuja's, or Virat Kohli and Anushka Sharma's, or even Meghan Markle's with Prince Harry — are anything to go by, awww-inducing candids are here to stay. Did we all not drool on those candids from #everydayphenomenal, as the Kapoor-Ahuja wedding was branded on Instagram? We spoke to three photographers who explain the art behind the perfect candid.

'Never doctor a moment'
Anand Rathi, who along with his team at Reels & Frames, is the one who showed us perfect moments from #Sonamkishaadi. Rathi has won several awards globally, and is seen as one of the pioneers of 360-degree wedding films. He says that the photographer has to learn the art of being invisible, and still be omnipresent. "The toughest part is to not stand out but still roam around freely. So we stick to the dress code of the wedding," he tells us, adding that he never likes to over-dose on flash.


Anand Rathi

"You can't doctor a moment. If you missed that perfect moment when the bride smiled at the groom, it's okay. Just be ready to capture the next one." His favourite moment from the Kapoor-Ahuja wedding was when Anand kissed Sonam on the cheek. "Nobody asked them to do that!" In the end, Rathi says that photographer needs to be ready with his equipment, but also a smile. "People always respond to friendly faces."

Log on to reelsandframes.in

'It's not our job to gather people'
THE most important thing to do is get comfortable with the bride and groom. You need to understand them, but even they should know that when they are hiring me, they will get an artistic style, and they need to be okay with that," says Monisha Ajgaonkar, founder and director, The Photo Diary.

The photographer, who has been popular on the on the wedding circuit for a while now, is known for her edgy and different pictures. The JJ graduate started out by shooting a concert she attended to impress a girl she had a crush on, and then diversified when she photographed a friend's wedding.


Monisha Ajgaonkar

"We get all the main shots as candids; we don't really do the 'posey' pictures — a we are not there to gather people around. That's not candid!" Her favourite shot in recent times was when she shot a bride dressed in a Cindrella gown in Kodaikanal. "She was just walking, and I said stop. And, it was perfect!"

Log on to thephotodiary.net

'It's like catching a fish — A hit or miss'
Nikhil B of Tell-A-Tale Studios feels that a good candid is a culmination of many points. "You need to know fashion photography, and also be well-versed with a documentary style. You need to have knowledge of product shots, and how light works. It all looks effortless but a lot of work goes behind it."

Tell-A-Tale was founded by Nikhil and photographer Mamta Kalambe, both visual artists who specialise in wedding photography along with making food videos. Nikhil says that taking the perfect candid is like going fishing — you may get a great picture or you may end up with nothing.


Nikhil B

"It's a hit or miss. The main thing is to remain aware at all times, keep watching without intruding. It's like ice hockey terminology — always have your sticks on the ice. Be ready." His favourite shots are taken usually during the time of varmala, because as he says, he loves "capturing the emotion and excitement that comes when the garlands
are exchanged."

Log on to tell-a-tale.in





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Menstrual Hygiene Day: Here's why exercising on period is best for your body

Dr Shilpa Agrawal

In Poland, women on their period were once asked to refrain from having sexual intercourse for fear that they would inadvertently kill their partners. Italian women had to steer clear of all contact with water, while Bolivian women were taught to avoid cradling babies so they wouldn't make them sick. The superstitions surrounding menstrual health are many, as this 2017 study conducted by Clue, a menstrual cycle-tracking app, indicates. The opinions become that much more vociferous when it comes to exercising while on your period. Whether for sanitary or health considerations, women have often been advised to lie low and take it easy during that time of the month.

"For ages, women have been shamed into silence about their periods, which breeds misconceptions. Many also suffer from cramps, migraines, nausea and bloating during their period, and are concerned that working out could harm their health. The truth, however, is that smart exercise plans and correct nutrition can go a long way in promoting menstrual health," says Arpita Boyd, certified fitness trainer and specialist in pre- and post-natal fitness. "Regular exercise is beneficial for women, especially those suffering from polycystic ovarian syndrome (PCOS), a hormonal condition that affects up to 18 percent women around the world," says Dr Shilpa Agrawal, high-risk pregnancy and foetal medicine specialist at Jaslok Hospital and Research Centre. Regular exercise has been found to boost fertility, reduce insulin resistance, increase the body's metabolic rate and improve its composition, she says.


Munazza Habibulla

Fitness pros share tips on exercising during menstruation.

Swimming
"Women are often asked to refrain from swimming or water-related activities while on their period, ostensibly for sanitary reasons. However, swimming offers a number of benefits during those few days," says Munazza Habibulla of Swimming Matters. "The natural buoyancy of water prevents bleeding and also ensures that tampons stay in place," she elaborates.


Nisha Millet

Former Olympian Nisha Millet adds, "Competitive swimmers cannot afford to lose four days of training in a row. Women can safely enter the pool with a tampon — choose a size that works well for you — or a menstrual cup. Sanitary pads and panty liners, however, are strict no-nos." The only time when swimming should be avoided is when you are experiencing severe cramps, aches and pains.


Arpita Boyd

Weight training
The key to a successful weight training regimen during your cycle lies in understanding how your body reacts during the various phases, says Arpita Boyd. "The first 14 days are the follicular phase, during which women can achieve greater strength and produce more power. They are also likely to feel less pain and recover faster," she explains. The next fortnight is the luteal phase, during which your body's oestrogen and progesterone levels surge. Exercise may feel harder during this time due to bodily changes. To manage these, she recommends staying hydrated, avoiding foods rich in nitric oxide (spinach, beets, pomegranate), and increasing your protein intake. This, combined with the right stretches can ease symptoms and allow you to lift weights.


Sheetal Shah

Pilates
Sheetal Shah, founder of Core Pilates Studio, believes that the exercise form can greatly alleviate PMS symptoms such as bloating and cramping. "Pilates helps to stretch and open up the body, and also strengthens your deep abdominal muscles. Focusing on your breathing during these workouts can help alleviate tension in the body and promotes relaxation. Pilates also promotes the release of endorphins — the body's natural painkillers — which is another important reason why it works so well during your menstrual cycle," she says. Further, Pilates can help build lean long muscle and reduce the body's fat percentage, which normalises hormone levels and improves reproductive health, she adds.


Ishita Malaviya

Surfing
Ishita Malaviya is India's first female professional surfer and a big believer in not letting your periods get in your way of enjoying the surf. "I can surf just fine with a tampon, and always make sure to change frequently to prevent rashes and infections," she says. She claims to have never missed a day of surfing, even on the first day of her menstrual cycle.


Smiley Suri

Zumba
Zumba workouts offer many benefits to women on their cycle. Sucheta Pal, global brand ambassador for Zumba, shares, "The workouts focus on the hips and pelvic region, increasing core and trunk strength. Exercise also releases endorphins, which make regular workouts a must for women like me who suffer premenstrual hormone-induced mood swings." Pal often trains for several sessions at a stretch while on her period. "[According to gynaecologists] you lose only about four tbsp of blood during your entire cycle, which isn't that big a deal. You must learn to understand your body and modify your movements accordingly," she adds.


Sucheta Pal

Pole dancing
Pole dancer and trainer Smiley Suri found that pole fitness played a major role in managing her PCOS and thyroid condition, while also helping regularise her menstrual cycle. She recalls her instructor asking her to get on the pole on the first day of her cycle, even though she was experiencing cramps and felt bloated. "I was surprised at how much better I felt after the session," she admits. Although many instructors ask women to avoid inversions during their period, Suri believes that these can actually increase your flow and reduces cramps. She emphasises the importance of hygiene during this time.

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Tax-News.com: BRICS Nations Affirm Support For BEPS Project

The heads of tax authorities from the BRICS states met in Mumbai, India, on December 5-6, 2016, to discuss the implementation of the OECD's base erosion and profit shifting project.