Argentine footballer Paulo Dybala has tested positive for Coronavirus for the fourth time recently. His pop-star girlfriend Oriana Sabatini has also contracted the virus.

However, the couple have continued to keep their spirits high despite the setback. The Argentine pair have been constantly posting pictures and videos on social media to keep themselves and their fans entertained.

In one such post, the Juventus star and Oriana are seen honing their PlayStation skills.
In another video, the Argentine football star is seen working out in his home gym and simultaneously joining in a TikTok dance routine with Oriana.

In yet another video, Paulo is playing the piano while Oriana is singing. Some of Paulo's football pals like Douglas Costa, Claudio Marchisio and Nicolas Tagliafico have been impressed with his musical ability and even commented on the video.

Paulo and Oriana, the niece of Argentine tennis legend Gabriela Sabatini, first met in 2017 but announced their relationship only after the 2018 FIFA World Cup in Russia.

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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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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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Former Argentina footballer Martin Cardetti named his pick between Ronaldinho and Lionel Messi, two of the greatest footballers ever to grace the game.

Cardetti, manager of Ecuadorian football club Mushuc Runa, said he saw the Brazilian from close quarters during their time together at Paris St. Germain and according to him, Ronaldinho is one-of-a-kind footballer.

"As a coach, for my team I would choose Ronaldinho at his best over Messi," Cardetti told El Crack Deportivo as per Goal.com. "I shared a year with Ronaldinho and he is a different player, he's touched by God.

"He always had fun; with the ball he was always doing things and he practiced a lot so that he could replicate those things in matches.

"You see him in training, in matches and every move he makes is different from everyone. Players like him appear very rarely and they are remembered in football history," he added.

Before Messi started ruling the roost at Barcelona, Ronaldinho was a fan-favourite at Camp Nou. He stayed with the Spanish Giants from 2003 to 2008 and won two LaLiga titles and one Champions League trophy.

As for Messi, he has so far won 10 LaLiga titles, six Copa del Reys and four Champions League titles. Messi is also a six-time Ballon d'Or winner.

On the international stage, Ronaldinho trumps Messi as he is a World Cup winner with Brazil and the Argentine is yet to open his international account. Messi although won the Gold with Argentina at 2008 Olympics.

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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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Just like how Eid is synonymous with a Salman Khan release, the Independence Day holiday isn’t complete without an Akshay Kumar starrer. From 2013 to 2018, he has had a release during this beneficial weekend, barring 2014. 2019 is no exception and this time, he is out with MISSION MANGAL, based on an important chapter of India’s history. The mood of the film is also apt, considering that just last month, the Indian Space Research Organisation (ISRO) launched Chandrayaan-2 towards the moon. MISSION MANGAL has all the trappings of a blockbuster. So does it turn out to be as exciting and entertaining as expected? Or does the content fails to entice? Let’s analyse. <img class="aligncenter size-full wp-image-1008325" src="https://www.bollywoodhungama.com/wp-content/uploads/2019/08/Mission-Mangal-Review-IMG.jpg" alt="" width="750" height="450" /> MISSION MANGAL is the incredible true story behind India’s mission to Mars. The film begins in 2010. At the Indian Space Research Organisation (ISRO), a space mission under Rakesh Dhawan (Akshay Kumar) fails after Tara Shinde (Vidya Balan) in his team makes an error in judgement. As a punishment posting, he’s asked to handle India’s Mars program, which is not expected to take off anytime soon. A few days later, Tara while cooking puris in her home has a Eureka moment. She realises that through innovative methods, they can try to get our satellite reach Mars in just two years. She tells Rakesh about the plan and he realises it’s a golden opportunity. Rakesh approaches his senior (Vikram Gokhale) for approval who finds the idea unfeasible. Also Rupert Desai (Dalip Tahil) who has come from NASA to join ISRO feels that Rakesh's idea is ridiculous. Rakesh however manages to persuade and begins work. He asks for the best of the men from ISRO for this project. However he’s given inexperienced colleagues like Kritika Aggarwal (Taapsee Pannu), Eka Gandhi (Sonakshi Sinha), Varsha Gowda (Nithya Menen), Neha Siddiqui (Kirti Kulhari) and Parmeshwar Naidu (Sharman Joshi) and a very senior employee Ananth Iyer (H G Dattatreya). What happens next forms the rest of the film. Jagan Shakti's story is superb and also very challenging. It’s not easy to pen down a mainstream film with such a plot. Also many are not aware of what transpired behind the making of India’s Mars mission. Hence it’ll be exciting for them to witness the whole journey. Also there are so many twists and turns in the plot that one might not believe that some of the plot points are actually true incidents. R Balki, Jagan Shakti, Nidhi Singh Dharma and Saketh Kondipathi's screenplay not only simplifies the proceedings but also make it massy. The screenplay blends science and entertainment seamlessly. The film’s goings on are extremely easy to comprehend. R Balki, Jagan Shakti, Nidhi Singh Dharma and Saketh Kondipathi's dialogues are effective and funny. Jagan Shakti's direction is terrific for a first timer. He had a winning screenplay in his hand and he takes it to another level with his execution. The film has also has subplots of each of the main characters and even these are very well woven in the narrative. And through these tracks too, the makers have made some important comments about religion, parenting, marriage, religious bias etc. and all these contribute to the film hugely. MISSION MANGAL starts off beautifully showing Tara running a house efficiently on the day ISRO has an important launch. Rakesh's entry and the confrontation scene when he’s offered Mars program is intriguing as well as entertaining. It also makes it clear that the film won’t get serious and that the entertainment quotient will be maintained. The rest of the team is introduced in a quick but interesting montage like sequences and it adds a lot to the film. The first half moves swiftly with no complaints. The second half is longer and the commencing portions are where the film drops. Also to see the team renovating their work station at a time when they are running against time is a bit too much. Thankfully the film soon picks up. The best is obviously reserved for the finale. There are a lot of obstacles faced by the team here and it makes the film even more gripping. The finale is applause worthy. <p class="entry-title name"><strong><span style="text-decoration: underline;">Mission Mangal | Public Review | FDFS | Akshay Kumar | Vidya Balan | Taapsee Pannu | Sharman Joshi</span></strong></p> <iframe id="jwiframe" class="playerFrame" src="https://www.bollywoodhungama.com/videos/first-day-first-show/mission-mangal-public-review-akshay-kumar-vidya-balan-taapsee-nithya-movie-review-first-day-first-show/?jwembed=1" width="800" height="340" frameborder="0" allowfullscreen="allowfullscreen"></iframe> MISSION MANGAL is embellished with some fine performances. Akshay Kumar is in top form. He gets to play such a splendid role and gets into the skin of his character. And he’s very much there throughout the film! The way his character rarely gets serious and makes even serious discussions light and funny is seen to be believed. One of the greatest sequences of the film is when he makes an imaginary call to none other than APJ Abdul Kalam. Vidya Balan dominates most of the first half and suits her character to the T. It’s also admirable that she has no qualms playing mother to teenagers. Sonakshi Sinha is lovely and gets to shine. It’s great to see how she makes an impact in a supporting role. Taapsee Pannu is also quite efficient and gives her best in the climax. Nithya Menen has a smaller role but it serves as a great debut. Kirti Kulhari manages to score and many would be able to relate to her character's struggles. Sharman Joshi is funny and would surely make viewers smile. H G Dattatreya is adorable and the scene where he teaches Kirti's ex hubby a lesson is too good! Dalip Tahil is appropriate as the pessimist. Sanjay Kapoor (Sunil Shinde) is the surprise of the film. He delivers a fine performance and post interval he goes in another mode that would be greeted with whistles in cinemas! Purab Kohli (Vivek) and Mohd. Zeeshan Ayyub (Rishi) lend able support. Rohan Joshi (Dilip Shinde) is hilarious and even heartening as Vidya Balan's son. Kashmira Pardeshi (Anya Shinde) gets no scope. Vikram Gokhale is decent. Others are also good in their respective parts. Amit Trivedi's music is well interspersed with the proceedings. <em>'Dil Mein Mars Hai' </em>is entertaining and catchy. <em>'Shaabaashiyaan'</em> is played at a crucial juncture. Amit Trivedi's background score is engaging. S Ravi Varman's cinematography is quite simple and has the big screen effect. Sandeep Ravade's production design is praiseworthy as it’s straight out of life. Debashish Mishra's sound design is also as real as it gets. Sham Kaushal's action is good in the lone action scene inside the metro. Famulus Media and Entertainment's VFX is top class without which the long climax would not have worked so well. Theia Tekchandaney's costumes are appealing yet not too glamorous. Kirti Kolwankar and Maria Tharakan's costumes for Vidya Balan are authentic. Chandan Arora's editing is just perfect as the film neither moves too fast nor drags. On the whole, MISSION MANGAL is engaging and entertaining while being patriotic in its feel. At the box office, it will be accepted whole heartedly by the audiences and has the potential to emerge as Akshay Kumar's highest grosser ever!

Our long-drawn independence struggle saga is filled with innumerable stories of bravery and valour. Sadly, a few of them have been lost in the pages of history or only have local awareness. Uyyalawada Narasimha Reddy is one such great man who is credited to have fought a decisive battle a decade before the great 1857 rebellion. Ram Charan takes up the challenge of making a film on this figure, titled SYE RAA NARASIMHA REDDY, and it features his father, megastar Chiranjeevi. The presence of actors from other industries and that it releases in Hindi and other versions make SYE RAA NARASIMHA REDDY a pan-India film in the truest sense. So does SYE RAA NARASIMHA REDDY manage to entertain and stir up the viewers? Or does it fail to impress? Let’s analyse. <img class="aligncenter size-full wp-image-1025279" src="https://www.bollywoodhungama.com/wp-content/uploads/2019/10/Syeraa-Narasimha-Reddy-10.jpg" alt="" width="720" height="450" /> SYE RAA NARASIMHA REDDY is the story of India's first chapter of freedom struggle. The year is 1857. The soldiers of Rani Lakshmibai (Anushka Shetty) are wondering whether a handful of them will be able to fight the huge British army. In order to motivate them, the Queen narrates the story of the brave Narasimha Reddy (Chiranjeevi) who revolted against the British a decade before the 1857 revolt. The story then goes in flashback mode. Narasimha Reddy is a ruler of a part of the territory in South India called Rayalaseema. He is a part of a polygar which consists of several other rulers like Avuku Raju (Sudeep), Basi Reddy (Ravi Kishan) etc. All these kings get pension from the British and are expected to be submissive to the Crown. Narasimha Reddy however is in disagreement with this arrangement and is finding a way out to free his kingdom from the clutches of the British. The region faces drought and to appease the rain gods, Narasimha Reddy's learned mentor Guru Gosayi Venkanna (Amitabh Bachchan) asks for a <em>yagna</em> to be conducted. Narasimha is shocked as he learns that the last time a similar yagna took place was in his childhood and that time, he was married off to Siddhamma (Nayanthara). But the married couple was kept apart as there was a <em>'dosh'</em> in their union and they could reunite only after another <em>yagna</em>. Narasimha Reddy is devastated at first as he loves Lakshmi (Tamannaah Bhatia). With a heavy heart, Narasimha Reddy leaves Lakshmi and advises her to use her dancing talent for the greater good. He then accepts Siddhamma and begins his married life. Despite the drought, the British officer Jackson (Oscar Skagerberg) asks for tax from farmers. He even mocks them and once while he’s doing so, Narasimha Reddy arrives and teaches him a lesson. An angry Jackson enters a village ceremony and eliminates 5 farmers and a child. Narasimha Reddy is so angry that he enters the British settlement, attacks the soldiers and then beheads Jackson. The other rulers of the polygar refuse to help him at first but then join Narasimha Reddy in challenging the mighty British Empire. What happens next forms the rest of the story. Paruchuri Brothers's story is excellent and makes for a grand, patriotic film. They have obviously fictionalized a lot of developments in the plot but it has been done very well. Surender Reddy's screenplay is confusing in the beginning as too many characters get introduced and it might seem difficult to understand who is exactly related to whom. But in the later sequences, the script is quite effective and packs a punch. Manoj Muntashir and Jitender Pawar's dialogues are sharp although some of them are over the top. Surender Reddy's direction is quite massy and simple. Most of the important scenes are well executed and leave a lasting impression. He stirs up the viewer’s emotions beautifully. One can’t help but hate the British for their atrocities and one can’t help but root for Narasimha Reddy for his acts. On the flipside, the initial portions are strictly average. The film moves too fast, since it’s already too long at 171 minutes and hence, a few scenes don’t make the desired impact. There’s also a déjà vu of BAAHUBALI, the Hollywood flick 300 and even surprisingly THE AVENGERS and this was avoidable in many places. SYE RAA NARASIMHA REDDY’s initial portions are not very impressive. The proceedings are neither great nor terrible – it’s somewhere in between. The first 30-40 minutes are spent in introducing the characters, the setting, location etc. The entry of Siddhama makes for a great twist in the tale. But a few developments are difficult to digest at this point. Sidhamma remembers her marriage, which took place in the childhood, without fail but Narasimha Reddy doesn’t even know he’s married! However, the film really picks up in the scene where Jackson arrives at a farmland and mocks a farmer. The manner in which Narasimha Reddy gives a monologue and challenges Jackson is clapworthy. The intermission sequence however is even better and the audiences in single screen cinemas will go crazy at this point. The second half too has some great moments though they could never reach the level of the aforementioned sequences of first half. It also gets a bit too long. But it keeps one engaged. The finale is powerful and the film ends on a rocking note. <span style="text-decoration: underline;">Ram Charan REVEALS Why He Has Not Acted In Sye Raa Narsimha Reddy | Chiranjeevi | Big B</span> <iframe id="jwiframe" class="playerFrame" src="https://www.bollywoodhungama.com/videos/celeb-interviews/ram-charan-reveals-why-he-has-not-acted-in-sye-raa-narsimha-reddy-chiranjeevi-big-b-2/?jwembed=1" width="800" height="340" frameborder="0" allowfullscreen="allowfullscreen"></iframe> SYE RAA NARASIMHA REDDY has a great ensemble cast but the film belongs to Chiranjeevi. No two doubts on that! He owns the film with his performance and style. It’s also commendable to see him doing action at this age so well. His stardom is intact and that adds a lot to his character and to the film at large. Sudeep is quite good as the mysterious and badass ruler and would be liked by audiences. Tamannaah Bhatia has a supporting role but she springs a surprise in the second half. Watch out! Nayanthara gets a very raw deal and the only scene where she leaves a mark is when she confesses her love for Narasimha Reddy. Vijay Sethupathi (Raja Paandi) has a late entry but is entertaining. Jagapathi Babu (Veera Reddy) creates an impact in the pre climax. Oscar Skagerberg is excellent as the villain and would be remembered, though he’s there only in the first half. Ravi Kishan and Mukesh Rishi act well but their voices are dubbed by someone else, which makes their performance a little awkward. Lakshmi Gopalaswamy (Narasimha Reddy’s mother) is passable. Lastly, Amitabh Bachchan is smashing in the special appearance while Anushka Shetty as always is impressive. Amit Trivedi's music is nothing great but works in the film. <em>'Jaago Narsimha Jaago Re'</em>, played in the beginning, fails to make a mark. <em>'Sandal Meraa Mann'</em> isn’t memorable either. <em>'Sye Raa'</em> comes at an excellent juncture and very well shot. <em>'Saansein Teri Desh Hai'</em> is played in the end credits but doesn’t have the period feel. Julius Packiam's background score is way better and adds to the drama and exhilaration. Ratnavelu's cinematography is top-notch and goes on another level in the battle and action scenes. Rajeevan's production design is quite grand as well as authentic. Greg Powell, Lee Whittaker, Ram-Laxman and A Vijay's action is one of the highpoints of the film. It’s gory at times but done well overall. Anju Modi, Sushmita Konidela and Utthara Menon's costumes are regal. Sreekar Prasad’s editing is quite fast-paced and even reckless at places, which could have been avoided. On the whole, SYE RAA NARASIMHA REDDY is a great patriotic saga and a visual spectacle that leaves a tremendous mark thanks to its plot, Chiranjeevi’s performance and massy execution. At the box office, it has the potential to succeed.

COVID-19 has started showing its impact on the mutual fund industry. Few days ago I mentioned in my article, Debt mutual funds witnessed massive outflows of Rs 1.95 trillion in the month of March.

Though we could attribute most of that outflow to corporates redeeming funds to meet their quarter end obligations, high volatility and uncertainty as consequences of the pandemic could have also played a major hand in the redemption pressure for debt schemes.

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FII have been redeeming investments heavily in equity and debt segment ever since WHO declared COVID-19 a pandemic. In March, FIIs pulled out Rs 60,375 crore from the debt market.

High redemption and lack of buying interest has made debt mutual fund schemes vulnerable, especially those with higher exposure to low rated instruments.

This instability has claimed its first casualty in debt mutual funds...

Franklin Templeton Mutual Fund (FTMF) has decided to wind down six of its debt schemes with effect from April 23, 2020 due to COVID-19 related market dislocation. This is something that is unheard of in the mutual fund industry and has perplexed many investors and advisors.

The schemes that are wound up are:

• Franklin India Low Duration Fund
• Franklin India Dynamic Accrual Fund
• Franklin India Credit Risk Fund
• Franklin India Short Term Income Plan
• Franklin India Ultra Short Bond Fund
• Franklin India Income Opportunities Fund

Together these schemes have an AUM of 30,854 crore as on March 31, 2020. Notably, these are the very schemes which in the past had to create segregated portfolio for its exposure to downgraded papers of Vodafone Idea and Yes Bank.

What led to the move?

According to a statement to investors from FTMF, "Despite several measures taken by the Reserve Bank of India (RBI), the liquidity in certain segments of the corporate bond markets has fallen-off dramatically and has remained low for an extended period. In this scenario, mutual funds are facing unprecedented liquidity challenges due to a variety of factors-rising redemption pressures due to heightened risk aversion, mark to market losses following a spike in yields and lower trading volumes in the bond markets. These factors have together caused a significant and worsening liquidity crunch for open-end mutual fund schemes investing in corporate credits across the credit rating spectrum."

The schemes had to resort to continuous borrowing to fund redemptions during this time, and were unable to repay the borrowings through sale of portfolio securities due to the prevailing market environment. The Investment manager did not believe it was prudent to continue funding redemptions through potentially increasing levels of borrowings.

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FTMF follows a high-risk high-return strategy for the above mentioned funds - Meaning a major part of its portfolio is exposed to lower rated securities (rating below AAA). The market disruption due to the virus outbreak has impacted these securities the most.

Under conditions of high redemption pressure, mutual funds sell their liquid assets to meet the demand, leaving the portfolio highly exposed to illiquid assets.

Thus, investors who choose to stay invested are at a disadvantage here.

Anticipating continued liquidity stress to the funds, the fund house thought winding up the scheme is the only viable option for the unitholders to minimize erosion of value.

Table: Details of schemes being wound up

What does it mean for investors of these schemes?

Investors of these schemes will not be able to purchase/redeem investment, switch to other schemes or do systematic transactions. In short their funds will be locked. The fund will not charge any management fees for the funds that are being wound up.

The fund house will rely on coupon payments, maturity value of underlying securities, and selling of securities at realisable value. While the fund house expects to realise most of the proceeds as per maturities, there may be some low rated securities that may even default on the due date. The fund house may create segregated portfolios for such securities and pay back as and when the money is realised.

It will be prudent to check the average maturity of portfolios of each fund and expect major repayment within that period.

What should investors in debt funds do?

Debt mutual fund Investors are not as confident, due to incidents of exposure to toxic papers in the past. This event could make them even more wary about their investment in debt schemes. As a consequence, there may be some panic selling in other debt schemes by investors worried about their funds getting locked.

However, instead of taking any hasty decisions, it would be a great idea to check your funds for the quality of assets it holds.

Choose a fund house that follows prudent investment process and stringent risk-management system. In these uncertain times, it would be wise sticking to liquid funds and overnight funds for the fixed-income part of your portfolio. Alternatively, if you prefer safety of capital, invest in Bank fixed deposits.

Our friends at Quantum Mutual Fund have highlighted the secret behind their debt management strategy which has helped them provide safety and liquidity to investors when it comes to investing in quantum funds. Don't Worry, Quantum Liquid Fund always aims for Safety and Liquidity

The way ahead...

While the fund house has done this to protect investors' interest, it has made the funds illiquid from the investors' point of view. Many investors may lose faith in debt funds for their short-term goals.

Going further, investors may have to consider liquidity risk due to AMC action, while investing in any high credit risk oriented debt funds.

It is time for the regulator to step up and clarify the illiquidity part for other debt schemes out there to investors. Moreover, it needs to provide a framework of strict guidelines to restrict fund managers from putting investors' hard-earned money at risk by exposing them to low rated securities for higher yield.

Meanwhile, AMFI has assured investors that a majority of the fixed income fund assets is invested in superior credit quality securities, and the schemes have appropriate liquidity to ensure normal operations. It further stated that the industry remains fully committed to the investors' interests and there is no need for them to panic and redeem investments.

Author: Divya Grover

This article first appeared on PersonalFN here.

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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.

Despite the rally we recently witnessed, the market mood continues to be sombre due to the pandemic crisis. FPI outflows from the Indian market persisted in the current month as well, while the recent fiasco at a popular fund house also dented investor sentiments.

It is difficult to predict how this situation will unravel eventually. Though the pandemic has impacted both large and smaller sized companies, small and mid sized companies could be the most affected.

However, quality names even in these segments could perform well over the long run. Therefore, you should stick to only quality names across different market capitalisation and invest via a well managed mutual fund that focuses on growth through diversification.

HDFC Mid-cap Opportunities Fund (HMOF) is one such mid cap fund that looks to invest in mid cap stocks with sound financial strength and reasonable growth prospects.

Graph 1: Growth of Rs 10,000 if invested in HDFC Mid-cap Opportunities Fund 5 years ago

One of the most popular funds in the midcap category, HMOF's asset size is the largest as compared to its peers. However, HMOF has shown no constrain when it comes to delivering superior performance. The fund has a track record of generating above-average returns across market conditions. Over the last 5 years, HMOF has generated returns at 4.5% CAGR as compared to 1.9% CAGR generated by its benchmark Nifty Midcap 100 - TRI, thus generating an alpha of around 2.5 percentage points CAGR. The fund has made well use of diversification to mitigate downside risk and generate decent lead over the benchmark index.

Table: HDFC Mid-cap Opportunities Fund's performance vis-a-vis category peers

*Please note, this table only represents the best performing funds based solely on past returns and is NOT a recommendation. Mutual Fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not an indicator for future returns. The percentage returns shown are only for indicative purposes.

Though HMOF has trailed some of the other popular peers in the mid cap category, it stands strong in the list of mid cap funds. The fund has constantly outperformed the benchmark by a noticeable margin across time periods.

Some of the other top performers in the category are Axis Midcap Fund, Invesco India Midcap Fund, and DSP Midcap Fund.

The fund has not only demonstrated its ability to generate superior returns for its long term investors, but has been reasonable when it comes to managing volatility and curtailing down-side risks. In terms of risk-adjusted returns, HMOF has outperformed its benchmark by a significant margin and also stays ahead of most of its peers.

Investment strategy of HDFC Mid-cap Opportunities Fund

Categorized as midcap fund, HMOF is mandated to invest minimum 65% of its assets in equity and equity related instruments of mid cap companies. Accordingly, HMOF invests in stocks of predominantly mid-sized companies, which have reasonable growth prospects at acceptable valuations. The fund also holds significant exposure in smallcaps along with moderate exposure in large caps as well as cash and debt.

It follows the bottom-up approach to identify high quality businesses for the long term. The stocks are bought primarily for the strengths of company fundamentals rather than the strength of the macro-economic indicators.

The fund manager resists from following market momentum and holds each of his high conviction stock for the long term.

Graph 2: Top portfolio holdings in HDFC Mid-cap Opportunities Fund

As on March 31, 2020,HMOF held 75 stocks in its portfolio, with no individual stock having exposure of more than 5%.Popular mid cap names like Aarti Industries, Balkrishna Industries, Trent, Ipca Laboratories, and Voltas, etc. appeared in its top portfolio holdings. The top 10 stocks constitute close to 32% of its assets.

The fund's portfolio is primarily skewed towards Banking and Finance sectors which together constitute around 17% of the portfolio. Auto ancillaries, Pharma, Chemicals, and Industrial Products are the other prominent sectors with allocation of around 9-11% each.

Suitability

HMOF's performance over longer time periods has been commendable, where it has generated decent long-term returns for its investors as compared to the benchmark, though it has lagged behind some of its peers. Its focus on timely realization of growth potential of stocks at fair valuation can help it generate strong returns while also minimize the downside risk. However, its aggressive mandate makes it prone to high volatility. This makes HMOF suitable for investors with high risk appetite and a long term investment horizon.

Editor's note: The last few years have not been among the best for equity mutual funds. While most funds have underperformed or are struggling to match the returns of the benchmark, there are few funds that have the potential to constantly generate alpha for its investors. And we have identified five such high alpha generating funds, in our latest report 'The Alpha Funds Report 2020'. Do not miss our latest research finding. Get your access to this exclusive report, right here!

Note: This write up is for information purpose and does not constitute any kind of investment advice or a recommendation to Buy / Hold / Sell a fund. Returns mentioned herein are in no way a guarantee or promise of future returns. As an investor, you need to pick the right fund to meet your financial goals. If you are not sure about your risk appetite, do consult your investment consultant/advisor. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully.

Author: Divya Grover

This article first appeared on PersonalFN here.

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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.

The Indian equity markets are on a rollercoaster with the uncertainty surrounding the COVID-19 pandemic. It's been a nerve-racking experience for investors and wealth has been eroded.

As we continue to battle COVID-19 with lockdown 3.0, on a year-to-date basis the S&P BSE Sensex is down -23.9% as of May 5, 2020, (see Table 1 below).

Table 1: Wealth erosion across market cap segments

Balanced Hybrid Funds that are supposed to be balanced and protect downside risk have gone on to erode investors' wealth by seldom maintaining a 'fair balance' and displaying unreasonable love and exuberance for equities plus for taxation reason -- to be treated as an equity-oriented fund. (see Table 2 below).

Similarly, many multi-asset funds that hold the mandate to invest with allocation across three asset classes i.e. equity, debt and gold with minimum 10% in each have posted negative returns (see Table 2 below).

Table 2: Report card of Balanced Hybrid Funds and Multi-Asset Funds

ICICI Prudential Multi-Asset Fund, HDFC Multi-Asset Fund, and UTI Multi-Asset Fund, in particular, have not lived up to the expectation and the trust evinced by investors (going by their AUM size). Not just are their recent returns amidst the outbreak of COVID-19 crisis unappealing, but even the 3-year and 5-year compounded annulaised return is nothing to vie for. This is because they haven't been able to sensibly allocate to the three key asset classes: equity, debt and gold, and play the investment strategy astutely.

On the other hand, the Quantum Multi-Asset Fund of Funds (QMAFOF) has depicted true balance backed by its sensible investment strategy arrested the downside risk and relatively fared better vis-a-vis its peers over 3-year and 5-year time periods.

The Quantum Multi-Asset under normal circumstances by maintaining 25%-65% exposure to units of equity schemes (vide Quantum Long Term Equity Value Fund, Quantum Nifty ETF); 25%-65% exposure to units of debt and money market instruments (vide Quantum Liquid Fund, Quantum Dynamic Bond Fund); 10%-20% in units of gold schemes (vide Quantum Gold ETF); and up to 5% in money market instruments, Short-term Corporate Debt securities, Tri-Party Repo, Repo/ Reverse Repo in Government securities and Treasury Bills has been able to generate modest, yet appealing returns than the rest, and mitigated the risk by diversifying across asset classes: equity, debt and gold.

Historically it is proved that all classes never move in the same direction -- up or down -- at the same time. There could be times when certain asset classes perform better than the other and/or show an inverse relation to another (see Table 3).

Table 3: Here's how various asset classes fared per calendar year

If your multi-asset fund strategically allocates between equity, debt, and gold sensing the pulse of each asset class, maintains balance, and takes calculated risk sensible wealth creation is possible.

In the on-going COVID-19 crisis, equities will remain volatile, but given the sharp correction, there are and will be, enough long-term value-buying opportunities with a decent margin of safety.

Gold in such uncertain times would continue to gain all the attention. Easy monetary policy action and accommodative stance to address growth concerns, a record-high debt-to-GDP ratio, trade war tensions, geopolitical tensions, the potential risk to the inflation trajectory mainly due to food prices, increased stock market volatility, and the U.S. Presidential election in November 2020 are some of the factors expected to work in favour of gold. The precious yellow metal will demonstrate its trait of being a portfolio diversifier, a hedge (when other asset classes fail to post alluring returns), and command a store of value.

And speaking of debt & money market instruments, with exposure to highly rated papers and predominantly government securities, will act as a stabilizer.

A unique aspect of QMAFOF is that it has always taken relative valuations between asset classes into consideration, such as:

• Price-to-Earnings relative to historical averages;
• The relationship between earning yield to bond yield relative to historical averages; and
• Macroeconomic factors prevailing globally and within India

It is this wide-ranging and sensible approach that has helped QMAFOF to protect against the downside risk and reward its investors better than many of its peers. The fund managers, Mr Chirag Mehta (MMS - Finance, M.Com, and CAIA with over 13 years' experience in research and investments) and Mr Nilesh Shetty (B.Com, MMS -Finance, and CFA with collectively 16 years in equity markets), have strategically moved in and out of the aforesaid asset classes wisely recognising their upswings and downswings.

[Read: Why Tactically Invest Across Asset Classes amidst COVID-19 with Quantum Multi-Asset Fund Of Funds]

The choice is completely yours: to stay invested in a 'Balanced Hybrid Fund'/ Multi-Asset Fund that does not show true balance and keep harming your health and wealth; or make a sensible move and switch over to Quantum Multi Asset Fund of Funds that is truly balanced and has sensibly generated wealth for investors without the shrieking experience of a rollercoaster.

Wish to invest in Quantum Multi Asset Fund of Funds? Click here.

Happy Investing!

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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.

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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Rafael Nadal thinks the global nature of tennis means there is little chance tournaments will go ahead any time soon as sport continues to be paralysed by the coronavirus pandemic. Novak Djokovic also anticipates a lengthy delay before tennis can be played even behind closed doors, with the world number one expecting players to have to wait a "few months". The French Open, which Nadal has won a record 12 times, has been postponed until September, shortly after the US Open, while Wimbledon was cancelled earlier this month for the first time since World War II.

But the prospect of either grand slams at Roland Garros or Flushing Meadows being played with fans appears increasingly remote. "Tennis is a global sport," Nadal told Spanish radio station Onda Cero on Wednesday night. "We go from country to country and a lot of people have to move around.
"It seems difficult to me for any big tournament to be played in the short or medium term."

Football's major leagues are preparing to play behind closed doors for several weeks to complete their seasons and avoid losing considerable sums of money from broadcasting contracts. But tennis tournaments are more reliant on fans for their income, making it more complicated to stage competitions in empty stadiums. "It is not an easy decision," Djokovic told the same programme.

"I am ready but I think we have to wait a few months." "If you could play behind closed doors, I would be delighted but I think it's very difficult," added Nadal.

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20-time Grand Slam champion Roger Federer came up with a radical proposal regarding the future of international tennis. The Swiss superstar suggested a merger between men's tennis body ATP and women's governing body WTA.

Federer believes this could be the right time for a merger between ATP and WTA for the betterment of the sport. The former World No.1 also explained that he isn't asking for competitions being merged but only the governing bodies.

"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 wrote on his Twitter handle.

"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."

"It's too confusing for the fans when there are different ranking systems, different logos, different websites, different tournament categories," he wrote further.

The entire sporting calender of the world is reeling due to Covid-19 pandemic and tennis is not different. The season has been put on hold with multiple tournaments being postponed or cancelled.

The second slam of the year, French Open, has been postponed from May to September while the Wimbledon was cancelled earlier this month in the wake of coronavirus crisis. Wimbledon had only been cancelled twice before, because of World War 1 and World War 2.

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Rafael Nadal said on Sunday that he was "very pessimistic" over a full resumption of the professional tennis circuit which has been halted by the coronavirus pandemic. "From my point of view, I'm very pessimistic that the circuit can resume a normal activity," said the world number two in a virtual chat origanized by the Spanish Federation of Tennis (RFET) involving the team that won last year's Davis Cup.

"In tennis, you need to travel every week, stay in hotels, go to different countries," Nadal said. "Even if it we play without an audience, to organise any event you need a lot of people involved, which cannot be ignored. At an international level I see a serious problem." Nadal said he hoped that restrictions can be relaxed gradually, but added that he was aware that the global health situation is serious. "We have had a very tough month and a half, with many irreparable losses as well as others that are less important that will still bring great suffering to society, I hope only for a few months, at the economic level," he said.

"Many people are going to lose their jobs." "These are sad moments when you see so many people dying," he said. Nadal had already told Spanish radio that he thought it would be "difficult" to stage one of the majors "in the short or medium term." Nadal has been working with his friend Pau Gasol, the Spanish basketball player, to raise funds in the fight the coronavirus. Along with other leading tennis players such as Roger Federer and Novak Djokovic, Nadal is one of the promoters of a plan to create a fund to help low-ranked players who are suffering financially.

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Russian tennis ace Maria Sharapova has allegedly flouted the strict Coronavirus-caused lockdown rules in the US, where over 55,000 have died due to the pandemic.

According to British tabloid, The Sun, Maria, 32, recently visited some friends around Los Angeles with boyfriend Alexander Gilkes, 41, whom she has been dating since 2018.

Maria was photographed on Friday, relaxing on a balcony alongside another couple at a Manhattan beach pad.

The quartet were in clear breach of the two-metre social distancing norm that has been laid down by the authorities in LA where there have been 850 COVID-19 deaths
till date.

A few days ago, Maria had announced on Instagram that she was heading to a friend's beach house. "Last night, we took a sunset road trip along PCH, picked up lobster brioche rolls from @broadstreetoysterco drive thru and made our way to a friend's beach house," the 2004 Wimbledon champion wrote.

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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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Spain's tennis ace Rafael Nadal, who is in self-isolation due to the COVID-19 pandemic, is trying to remain positive but is getting affected by the suffering of the people around him.

"I am a sentimental person, who is affected by things, and to see so many people suffering so much, so many people who have lost family their members without being able to even say goodbye...," the World No. 2 was quoted as saying by Tennis World USA.

The 19-time Grand Slam champion urged his fans to keep moving forward. "In the end, being able to give your brother or sister a hug will relieve some pain, and imagine that they have not been able to do it. You have to be positive and keep moving forward. There is no other choice. I am a super lucky guy." he added.

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Once a bed of colourful flora, the famous Kaas plateau in Maharashtra is now witnessing less blooms, worrying officials, tourists and nature lovers alike. The plateau, recognised by the UNESCO World Heritage Committee as a heritage site in 2012, is home to around 350 flowering plants, including some rare and endemic species.

Kaas Plateau. File pic

With the flowering already going down, a couple of fire incidents last month in the area, causing a damage to the flora at the site in Satara district, has now set off alarm bells for the administration. The state government has thus decided to take up a slew of measures, like better guarding of the place and inviting researchers to study why this picturesque site in the Western Ghats is losing its blooms, which were a big tourist attraction.

According to forest officials, human negligence, possibly lit cigarettes, could have caused the twin fires that gutted a portion of the world famous plateau recently. "The forest department, along with a joint management committee of forest officials and local villagers-turned-volunteers, has now decided to take certain safety measures to avoid incidents which could endanger the flora of the Kaas plateau," the range forest officer, Sachin Dombale, said.

He said those guarding the plateau have now been provided hand-held pressure water sprayers. "The plateau does not have big trees or plants. It is actually a grassland, so even if the grass catches fire, it can be doused with the help of these sprayers," he said. Earlier, six people used to guard the entire plateau of around 1,800 hectares. After the fire incidents, now 12 people are manning it in the day and six at night, he said.

Now, the visitors are frisked at the entry gate of the tourist site and are not allowed to carry inside combustible items like cigarettes, matchbox or lighters, he said. Somnath Jadhav, the president of the joint committee, said they have also started putting up "firebreaks" along the roadsides. "For the firebreaks, we burn the vegetation and grass in five metres of area along the roadside, so even if someone throws a combustible object, there won't be a fire," he said.
However, due to unavailability of power supply in the forest area of the plateau, they have not been able to put up CCTVs for keeping a watch.

"But, we are now thinking of using solar panels to address the power issue, Jadhav said. He said the gram sabhas of five villages (the locals of which are part of the committee), have also decided to put forth their proposals to safeguard the plateau and conserve its biodiversity and flora. One of the committee members said the state government should provide funds for proper maintenance of the site.

"We have to depend on the fees collected from visitors during the season, which is only for two months (September and October), to pay for the maintenance and salaries of the people working to guard the place," he said. "We seek government's attention, cooperation and funds so that this plateau of flowers can be conserved," he said. Jadhav said for last three to four years, the growth of some species of flowering plants on the plateau is on a decline, thereby calling for a study to find out its reason and restore the beauty of the place.

"We are now planning to write to various universities in Maharashtra to send some researchers and students of botany to study the reason behind this," he said. "We are making all-out efforts to conserve the plateau, which is home to some rare, endemic and threatened species of flowering plants, as it would then also lead to an increase in the number tourists at the site," he added.

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What is life if full of care, you have no time to stand and stare. To ensure that you stand and stare at the beauty that is the Western Ghats, Mapping Journeys is organising trekking, rappelling and cliff traversing at the Duke Nose peak of Khandala for four consecutive days, on the fourth edition of The Duke Nose Festival.

"There will be an 8 am pick up at Lonavala station, from where we'll proceed to the Duke Nose base camp for breakfast, followed by an hour-long trek to the peak. There, our technical team will be ready with rappelling gear. The wall stretches to above 1,000ft and the first 350ft of rappelling will be downwards," says Veeral Raj, co-founder of the travel firm. "Next up is cliff traversing, which is a walk along a cliff overlooking a valley. The participants will be harnessed to a rope for safety," Raj explains.

He adds that the final sport is often an element of surprise for participants as people usually look forward to rappelling alone. With a technical team that boasts 12 years of experience in the field, Raj assures the trip is safe for first timers and for people across all ages. So put on those trekking shoes and head out for an adventurous weekend.

On February 10 to 13, 8 am onwards meeting point Lonavala Railway Station.
Log on to insider.in
Call 9867697306
Entry Rs 1,650

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Lakshadweep

Lakshadweep is a group of islands, 200–440 km off the southwest coast of India. These islands form the smallest union territory of the country. The Lakshadweep region has about 600 species of fish, 78 species of coral and over 100 species of other marine invertebrates. This is the perfect opportunity to explore the fascinating marine life underwater.

This year BNHS will be visiting the Tinnakara Island; The charming isolated Thinnakara Island is situated just opposite side of Bangaram island and share the same lagoon and are part of the Bangaram atoll. You need not worry if you do not know swimming; you can still enjoy the deep blue sea and move among the amazing corals, fishes, shells, shrimps and crabs. Most of the snorkeling will be in waist-deep coral lagoons.

Batch I: 3rd – 7th March, 2018
Batch II: 10th – 14th March, 2018
Batch Size: 15 participants only
Accommodation: Twin sharing in furnished Non Ac beach tents house on the Tinakara Island.
Camp fees: Rs. 47,500/- for members and Rs. 49,000/- for others (ex Aggati).
Cost Includes: Stay and food, Pick-up and drop from/to Aggati one snorkeling session per day on the island.
Cost excludes: Flight/rail tickets, all expenses of personal nature like laundry, tips beverages, camera fees, extra water activities, SCUBA, any cost not specified above.
Reporting: Participants to meet on Day One morning at Aggati Airport Lakshadweep 10.10 a.m. (as per the flight schedule) drop on last day at Aggati Airport at 10 a.m. (as per the flight schedule).

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Indonesia is hoping for an "exponential" increase in tourist inflow from India and has set its visitor arrival target at seven lakh from the country in 2018, a senior official from the island nation has said. The country received 485,314 Indian visitors in 2017, which is nearly a 30 per cent rise from the year before, he noted.

With several low-cost airlines providing affordable deals between India and Indonesia, the island country is hoping to make the most of the opportunity, Pupung Thariq Fadhillah, the deputy director in the Ministry of Tourism, Indonesia, said during his recent visit to the city. "The exotic Bali island remains one of the most-favoured destinations for Indian tourists, over 50 per cent of whom enter the country through Denpasar airport in the island," senior tourism official DAL Janapriati said.

Seeking to offer 'Greater Bali' to the travellers, Fadhillah, who led a delegation from Indonesia to promote the country's tourism sector, said the country would also love to introduce ten more destinations to the Indians in the near future. Lake Toba, Tanjung Kelayang, Tanjung Lesung, Seribu Islands, the Borbodur, Bromo-Tengger-Semeru cluster are among the new hotspots in the Indonesian province, Janapriati said. "If we achieve the target of seven lakh tourist footfall from India, the country will rise to the fifth position in Indonesia's tourist footfall ranking, with Japan now at the top," she added.

Representational picture

Agartala: The first meeting of the 'Niti Forum for North-East' (NFNE) on Tuesday chosn five sectors including tourism and food processing to exploit them on mission mode basis to accelerate inclusive and sustainable economic growth of the region, said NITI Aayog Vice Chairman Rajiv Kumar.

Union Minister for Development of North Eastern Region (DoNER) Jitendra Singh, in a significant announcement, also said that henceforth 100 per cent funding would be made by the Central government for central sector projects in the eight northeastern states, which were earlier being undertaken on the basis of centre-state sharing in the ratio of 90 :10.

"In the first meeting, NFNE has identified five sectors to exploit them on mission mode basis to speed up inclusive and sustainable economic growth of the northeastern region," Rajiv Kumar told the media after the meeting.

The other sectors are bamboo, horticulture and 'Made in Northeast'.

Rajiv Kumar said that the focus of development and infrastructural projects in the northeastern region would be based on the concept of "HIRA" -- Highways, Inland Waterways, Railways and Airways as conceptualised by Prime Minister Narendra Modi.

The NITI Aayog Vice Chairman and DoNER Minister are Co-Chairmen of the NFNE constituted last month following Modi's direction to supplement the functioning of the DoNER ministry and North Eastern Council (NEC).

On the new funding pattern for central sector projects, Jitendra Singh said that this will only be applicable to the eight northeastern states, unlike the earlier 90:10 funding pattern which was in force for 11 special category states - which also included Himachal Pradesh, Jammu and Kashmir and Uttarakhand.

He said the infrastructure of the northeastern region, which had been neglected for 65 years, had got a boost under the NDA government, with utilisation of funds increasing to Rs 30,000 crore in the last financial year from Rs 24,000 crore in 2014-15 fiscal.

Singh said that for the development of highways and roadways and tourism sectors, two separate corporations were formed and to boost the industrialisation of the region, the "North East Industrial Development Scheme" was finalised last month by the union cabinet with the financial outlay of Rs 3000 crores up to March, 2020.

He said that under the UDAN phase two and phase three, all the northeastern states would be connected by airways and the region's connectivities with the neighbouring countries would be further developed.

Chief Ministers, Deputy Chief Ministers, Planning and Coordination, PWD Ministers of Tripura, Meghalaya, Nagaland, Mizoram, Arunachal Pradesh, Sikkim and Assam and top officials of all the eight northeastern states and various Central ministries attended the day-long NFNE meeting.

Rajiv Kumar said that 14 districts of eight northeastern states among the 115 most backward districts across the country and dubbed as "aspirational" districts, identified to accelerate the all-round development.

Of the 14 districts, seven are in Assam and one each in remaining seven states - Tripura, Meghalaya, Mizoram, Arunachal Pradesh, Nagaland, Manipur and Sikkim.

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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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The new BJP-led government in Tripura is keen to boost employment in the state by encouraging tourism around sick tea gardens and boost income of farmers by exporting an exquisite variety of pineapple to Dubai and Hong Kong.

Officials said that hotels, motels, restaurant and lodges will be created near sick tea gardens to encourage tourists to visit and stay there.

"These tea gardens, which are not doing too well in terms of business, are located in serene environment and are surrounded by natural beauty. Once infrastructure is created, tourists are sure to visit these places. It will help create local employment besides helping tea gardens market their produce," an official said.

He said the state government is keen to make Tripura famous within and outside the country for "queen" pineapple.

The Tripura Queen pineapple got the GI tag in 2015.

Officials said that production of queen variety of pineapple, known for its pleasant aroma, sweet taste and golden yellow colour, has faced some constraints as producers do not get a very good price owing to their facing problems in export.

"We have now decided to tap international market for this pineapple variety and have identified Hong Kong and Dubai as prime destinations for export. We are sure that the queen variety will establish itself in the international market due to its sweetness and unique aroma," an official said.

He said that transport arrangements have already been put in place for export of the pineapples and the state government has set an ambitious target.

"The purpose is to ensure that the farmers get double the price of their product. Today they are getting about 15 per pineapple but if their product is sold in foreign countries, they would get double the price of their produce," the official said.

Tripura Chief Minister Biplab Deb told IANS over phone that his government has taken various measures to boost agriculture and tourism sectors.

"Tripura has immense potential in agriculture and the tourism sector but it was not utilised in 25 years of CPI-M rule. We will make Tripura a world class tourism destination and would ensure that the farmers of the state get proper dues for their produce," he said.

"We are taking various measures. We are focusing on branding of some of our special produce. We are talking to every stakeholder and also trying to get into foreign markets," he said.

Deb said the steps are in line with the NDA government's efforts to double the farmers income by 2022.

Officials said that productivity of pineapple in Tripura at 18.73 tonnes per hectare is higher than the national average of 15.80 tonnes.

They said that people know about Assam tea and Darjeeling tea but Tripura, despite having special variety of tea leaves, has not been able to earn a similar reputation.

Tripura has a history of tea plantations going back to 1916 but these suffered during the spells of insurgency in the state. Some tea gardens have also faced problems related to infrastructure, modernisation and management.

The officials said that decisions to boost employment through tourism and agriculture export is in line with the BJP's pre-poll promises.

The party had assured to establish Directorate of Tea Gardens for scientific development of tea and facilitate the socio-economic development of tea plantation workers.

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Changing lifestyle habits, increasing work pressure and stress levels have left modern-day individuals with no time to pay heed to their health and one disease that seems to be emerging because of irregular lifestyle is breast cancer. So make sure you are keeping a check on habits that can lead to this disease. Meher Patel, Director at DIVA, Centre for Breast Care (partner with cosmetic brand AVON's #PayAttention campaign that raises awareness on breast cancer), says:

1. Lack of physical activity: Don't be proud of being laid back. One of the main reasons is that excess weight causes the body to produce and circulate more estrogen and insulin, hormones that can stimulate cancer growth. It is crucial to keep your body fit at every stage of life continuously using all body parts to sweat out intoxicants that one consumes in this polluted, fast-paced world.

2. Alcohol and smoking: The downside of relaxing in this modern world. The more glasses of drinks you down on the weekend, or packets of cigarettes you puff up, the more you are at risk of breast cancer. Also, for the night owls, it is advisable to find the right balance since irregular patterns of work, long hours and late nights are more likely found to be struck by cancer in the later years of life.

3. Long night-shifts at work: After conducting a survey with 300 women-some of whom worked at night, some of whom didn't the survey found that those who had worked nights for 30 or more years were twice as likely to have developed the disease.

Renuka Prasad- Joint Secy (Hon.) at Indian Cancer Society too has problems to share that can lead to this disease.

4. Hormone replacement therapy (HRT) and contraceptive pills: Medical improvisations you don't need! Avoid using the viral popular HRT or contraception tablets to abnormally treat menopausal symptoms and unwanted pregnancy.

5. Overweight: Start eating healthy and avoid eating out. Putting on weight in adulthood (after the age of 18) with those extra munchies and burgers, or being overweight after menopause can also lead to breast cancer.

6. Other causes: A few other causes that women tend to overlook is the excess use of deodorants and perfumes, underwired bras, bumping or bruising of breasts, breast implants and abortions that can also be potential threats to breast cancer.

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Arijit Datta hobbles into The Fatty Bao with a twisted ankle. Sidd Coutto bustles in 10 minutes later. The former's a music composer who's moved away from bands like Agni and Airport towards film and advertising, while the latter is probably the busiest musician in the city's indie circles. They first dive into starters — Crystal Dumpling, Spicy Mushroom Sushi Roll, Dancing Prawns and California Rolls — and then into conversation about their craft.

Sen: How do you switch seamlessly from making indie music to more commercial projects?
Datta: It's not a switch really. I think that for me and for Sidd also, wherever there is a mode of expression, we just go there and do our thing.
Coutto: Yeah, true. For commercial concerts, you just go up there and rock 'n' roll, dude. It's just a two-hour gig, where you're hanging with your buddies on stage and partying away.
Datta: It would be different when it comes to writing songs, which we both do, because if you have to mould yourself according to the audience, that's what you might call a switch.

Sidd Coutto (left) and Arijit Datta share a laugh at The Fatty Bao in Bandra. Pics/Pradeep Dhivar

Sen (to Datta): So when you were composing for the movie Filmistaan, did you have to keep the audience in mind?
Coutto (answering for both): See, performing is one thing and composing is another. When you're writing for films, you have to be clear that it's the director's baby. You are facilitating his vision. Yes, it's your baby at one level, but you're not both the mummy and the daddy.
Datta: The good part about Filmistaan was that the director let me interpret the film my own way. So I never had to break away from my own self, because the music came naturally to me. Plus, the movie had no market pressure as such, so I didn't really have a brief.
Coutto: ...Which by the way isn't the norm, so [singing to the tune of a Daft Punk Song] you got lucky.
Datta: Yeah, and for me, I think very cinematically. Even with my band's songs, if I just change the arrangements a bit, they can be in a film.
Coutto: Also, when most people come to you for work now, they come for what you make. It's not like the old days when it was like, 'Aisa banaa aur waisa banaa.' So you don't have to switch so much, since they want you for you.
Datta: I think there are newer minds. There are newer storytellers with a different language altogether, who go in search of newer sounds, voices and composers.

Sen: So it's not the era of Jatin-Lalit and Anand-Milind anymore?
Datta: No. But they also had their own sound. At that time, Jatin-Lalit were the kings, ya. Of course, they didn't move with the times.
Coutto: Or, the times moved away from them. But they did try. Infact, [Anand-Milind's] Qayamat Se Qayamat Tak is my favourite Hindi film album of all time.

Datta: Yeah, it's my favourite too. It was a complete album. Even the least-remembered song [sings a bar from Kaahe Sataye], even that I remember! So yeah, they did their time; they brought in their sound and gave us memorable tunes. But then our tastes started changing. MTV, Channel V and VH1 came in, and the world suddenly became bigger.

The mains, Asparagus Bacon Fried Rice and Exotic Mushroom Ramen, arrive. This is followed by moments of silence interspersed with appreciative sounds such as 'mmmm'.
Sen: What are some of your favourite places to eat at in Mumbai?
Coutto: Over the past couple of years, I've discovered that Social actually has awesome food. They have a vast variety of things, with small dishes included. Did you know that they have something on the menu called Staff Khaana? It's exactly what their staff eats and it's great, dude. But I don't end up ordering it as much because there are so many more things I like. But they have removed bheja from the menu, and I love bheja.
Datta: I can never have bheja, man.
Sen: So if you go to Bangkok you're never going to try cockroaches and locusts?
Datta: Never. I can't go in that direction. I know that people are adventurous with their food and everything. But I can't do that.
Coutto: For me, when it comes to food, I let my nose guide the way. Otherwise, I have no restrictions.
Datta: I love going to this place called National. It's a dhaba that a Sardar owns and it's been running since 1952, near Bandra Talao. It serves pure food, you know, the sort with less oil — makki roti with butter on top, rajma, bhindi — and you can even have their water and nothing will happen to you.
Coutto [Putting his fork down and rubbing his tummy]: Yeah, I'll go there with you sometime. But right now, I think I'll go home and play some slow blues songs.

When we meet them on a windy November afternoon, the quartet that calls itself Sanam (named after lead singer/composer Sanam Puri) is comfortable taking questions on, and dealing with fame. They could be the biggest band in India, say insiders. Their YouTube channel has 208 million subscribers and enjoys 14 million views per month. And they have fans across South Africa, Trinidad, Netherlands, Bangladesh, England, Nigeria, and even Suriname. "We just realised the other day that there isn't a country in the world that hasn't visited our channel," says Keshav Dhanraj, drummer. Thank God Indians are everywhere, we say, and he laughs, "Yes! Bangladesh is the biggest consumer of our music!" And they admit that they are drawing in more women than men. "It's quite a tough fight," says bass guitarist Venkat Subramaniyam, who is scrolling through figures as we talk over watermelon juice at the clubhouse of their plush residential complex in Madh-Marve. "It's 50:50," he adds, "women are more active on social media, I mean they comment more, but otherwise the gender ratio is roughly equal."

Pic/Nimesh Dave

It has taken them a while to get here. Brothers Sanam and guitarist Samar Puri, from Delhi, Subramaniyam, from Bengaluru and Dhanraj, from Chennai won a contest called SUPASTARS hosted by a recording label in 2010. Free gigs, great for exposure, but not of particular value, followed, until they met their manager Ben Thomas. "Under Ben's guidance, we started making videos and music of all types [originals and Hindi, English covers], says Dhanraj. Their first song, Hawa Hawa, saw a decent traction. But then, a cover of Lata Mangeshkar's Lag Jaa Gale got them almost 36 million views (and counting).

But their success is also a product of consistency. The first-time visitors on their channel often discover other songs, which they may not have done as well when they released, but gradually gained popularity. "So, our song, Dua [23 million views] which is an original, got popular after people had already discovered us through perhaps a cover version of some song, and wanted to listen to other stuff," says Sanam. They do remember the time that they tried first to get their songs heard. "I have been banned by Facebook so many times because I have spammed so many people [in an attempt to get them to hear our music]!" laughs Dhanraj. "I remember tagging people in the comments section of our videos. Facebook only allows 10 mentions per comment. So, you can imagine how many comments I posted!" smiles Sanam.

Today, they have the numbers, but they won't take their success for granted. They try and put up at least one new video every month (original or cover), update their social media accounts every few hours, and tour the country and outside. They now have a team that handles the logistics, including mixing and editing of videos, so they can "concentrate on the music". "We used to do it all ourselves. Now, it's about making music we are proud of so that you, the listener, likes it."

Ask them if they will ever ditch covers for originals only, and they have a smart, sorted reply. "In India, originals are respected more. We get that, and we aim to make more and more of them. But in many countries we visit, our fans are into the classics, like Mohammed Rafi's songs, and we want to give them what they want. They are our unique versions, they carry our stamp, in any case," says Subramaniyam.

As we leave them, they tell us about their musical influences, and there are some surprising answers. Sanam doesn't listen to much else because he doesn't wish to influenced, but if he must, he will pick, "strings and background music". Subramaniyam loves funk and blues, and Dhanraj and Samar like Arabic tunes. As Samar says, "We sing in all languages, and with our success and fan base, we now get that music really does have no language."

It's painfully humiliating for a 12-year-old to stand before his class during an extempore speech and fumble over words. The derision that one might invite can cripple an adolescent's confidence. But, it can also teach the child to face his demons, participate again in the same competition the next year, and then go on to win the district finals for three straight years representing his institution, which, in Siddhant Sharma's case, was a boarding school in Kurseong.

Siddhant Sharma

Ten years after that incident, Sharma has emerged as this season's winner of The Stage, a reality show that promotes western musical talent in India. This, though, was his second shot at the title, after he was unable to get past the auditions last year. Failure, in other words, seems to have been the singer's constant companion, only for him to climb every mountain that crops up in his path. "I am actually a man made of failure, so it doesn't scare me," he tells us over the phone, having just landed in Mumbai from Kolkata. He adds, "Even in life, a lot of things that I have expected haven't happened. Not all of us grow up in the greatest of situations, but the worst thing a rocker can do is give up. [Rock music] is about fighting failures. So, if I can do it in life, music and competitions are nothing for me to handle."

Those are strong words for a 22-year-old to utter. But Sharma comes across as someone who has truly internalised the rock 'n' roll philosophy of facing adversity with a show-me-what-you've-got swagger. He gives us an example of what that means when he says, "I have a friend who would party all the time and only listen to electronic music. She would never attend live concerts. After a bad phase, she started listening to Pink Floyd, and now she is more of a rocker [in persona] than I am, with all her locks chopped off. I mean, there was a guy who cheated on her, and she's like, 'You think I am going to cry? No. I don't give a f*ck about you or your existence.' That's rock."

One of the biggest adversities that Sharma himself faced was when his parents separated over a decade ago, a fact he had revealed in one of the later episodes of the competition. Talking about that difficult phase, he says, "I'm not a guy who speaks a lot and I anyway didn't want to trouble my mother with all of that. So, I ended up keeping things inside me, which wasn't a good thing since I developed serious anger issues. But art has always helped me. I was a painter and then I got into music, and that just let me be who I am."

Who he is now, having won the show, involves signing a contract with MTV and being flown around the country for concerts. The limelight is well and truly on him and yet, he keeps emphasising how failure is the clay that moulds a person's character. "Do you consider the people who have not got the trophy to be losers?" he asks us, before answering, "No, they are not. You never know, tomorrow they might be working in much bigger places and doing way better stuff than I am. The thing is, you have to be satisfied with doing what you're doing and yet keep trying to be better than who you are. That's really all."

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Pollak with a bagpipe made with rubber gloves

"This is my first time in India, so I'm very excited. I don't know much about the country. I plan to travel to Udaipur after performing in Mumbai," says Australian musician and instrument maker Linsey Pollak, 66, who is one of the speakers at the eighth edition of TEDx Gateway, to be held on February 4 in the city. He speaks about his love for creating music from the unlikeliest of objects.

The carrot clarinet

How did the idea of creating musical instruments with vegetables and household objects come about?
It all started at a performance called Out Of The Frying Pan many years ago. I was 19 then, and I created 40 different musical instruments out of various things. I wanted to use food, so I used a watermelon, carrots, and potatoes. The carrot clarinet, which has become popular over the years, came about because of a friend, who was putting up a concert, asked, "Can you come up with something new for the performance?" I put on my thinking cap and the shape of a carrot popped up. Though it wasn't a tube, it was a potential tube.

You have recorded 34 albums. Did any of those feature music played on the instruments you created?
The 34 albums have all been of different types of music. But the one that features these instruments is called Mrs Curly And The Norwegian Smoking Pipe. It was recorded in 2014. I played 15 different pieces on instruments that I invented - the saxcello, guidanet, glass-based clarinet, carrot clarinet, and an instrument I call the aluminium narrow bow clarini.

Is there a deeper message that you wish to convey?
Yes, there is a strong philosophy to what I do. And that is: there is music all around us, and we are all musicians. By showing people how simple instruments are and how they can make their own instruments, I encourage them to be creators of music rather than consumers.

What is your most bizarre creation?
I have done quite a few. Mr Curly is a contra-based clarinet with a deep, funky sound, because it's an amplified, electro-acoustic instrument. I guess the various vegetable instruments could be considered bizarre. For example, a potato with bamboo skewers stuck into it to create a kind of bass piano or bass kalimba. I have also created a bagpipe out of a condom. Some people might find that outrageous, but the sound is not.

Have you ever failed on stage?
We were in Switzerland for a performance. At a bio-dynamic farm and restaurant there, they asked if I could make a sound from a bio-dynamically grown beetroot. It was spectacularly unsuccessful. Also, once I was putting a bamboo skewer through a carrot, but it went right through the carrot, and into my hand. So, I had this embarrassing situation of blood pouring everywhere. I had to go off stage to get rid of the blood. There were also a couple of times when my rubber glove bagpipe burst.

What was the first sound from a regular object that caught your attention? How does one find music in the mundane objects?
I can't remember what the first sound was. One needs to have a sense of curiosity, not take things for granted and let go of expectations. All these are related.

What advice do you have for those who dare to dream different ?
I'm lucky to be making a living from doing something I love. That's because I knew what I wanted to do and followed that over the years. My advice is: just follow your dream. It's the journey that is important and not the destination.

What are your plans for your performance in Mumbai?
I will be using six instruments made from household objects; everything from dustpans and brooms to A4 papers. These instruments will be turned into clarinets. Rubber gloves will be used to play the bagpipe and irrigation pipes will be turned into pan pipes. I'll be combining these instruments using a process called live looping, where I record what I am doing. For example, I'm going to have a bass line that is played with the dustpan and the paper clarinet will be playing melody lines.

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Even before the term globalisation was coined, the city of Mumbai had neighbourhoods that were multicultural and yet lived in complete harmony. Director-actor Akshay Shimpi's upcoming play Mumbai – The City United, cashes on that beautiful diversity that has now become the nerve of the city. Shimpi says, "As an artist and Mumbaikar, we love this city. It inspires us. Many artists have expressed how the city has served as their muse. Their love has found shape in their respective art form. We have compiled their literature, poems, articles, paintings, plays and songs in this play as a tribute to our beloved city." The play has stitched together songs, skits and readings of stories from the glorious past of the city's literature.

Shimpi and his team acquired works of renowned artists in various languages. When asked why he chose to go with a multilingual play, he says, "Thanks to its cosmopolitan nature, Mumbai, over the years, has developed its own language. In fact, it has its own dialect, and there's also Hindi, which is spoken across the country. Using multiple languages was one way to reflect the true spirit of the city."

Shimpi and Dhanashree Khandkar who have written and performed the play

The cast will be performing songs by yesteryear folk artists such as Vasant Bapat, Anna Bhau Sathe, Patthe Bapu Rao to name a few. Their songs talk about various historical movements in the city such as the shutting down of mills, for instance. These verses have been woven into the script that touches upon the culinary and architectural heritage, festivals and even the city's underbelly.

Shimpi believes that Mumbai is so vast and varied, everyone has a different interpretation of what the city means to them. As for him, he says, "Whenever I'm asked to describe the city, I take reference from the folktale where seven blind men were asked to describe an elephant. For someone, it was a long tube (trunk) while for someone else it was a curtain like a flap (ear). For me, Mumbai is that elephant's stomach. It is so big that it can always accommodate everyone."

When: January 27, 7 pm
Where: Mumbai Marathi Sahitya Sangh, Charni Road, Kele Wadi, Girgaon
Entry: Rs 150
Call: 9619336336

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My husband and I have a great relationship, except for the fact that he responds to every argument with the silent treatment. He stops speaking to me, sometimes for days. This is very frustrating, because I usually forget about arguments the next morning while he holds on to them and thinks about every little thing for a lot longer than necessary. I don't think this is healthy in the long run. I have asked him why he behaves like this, and he doesn't have a good reason because he says he can't even explain it himself. We are planning to have a child, and I would like him to address this, because I can't imagine how a child will react to this sort of behaviour. What should I do?
It's good that you have a great relationship, and that he admits to not understanding why he behaves the way he does, because it means he is ready to do what it takes to make this work. I also think it's good for you both to address this before having a child. Have you asked him to consider speaking to a therapist? Depression can take a number of forms, which isn't to say your husband is depressed, but it's always good to get a professional's opinion because identifying the source of a problem is the first step towards finding a solution. I suggest you both speak to a counsellor as soon as possible. This isn't a serious problem, but getting an outsider's opinion will help.

I don't know why my boyfriend watches as many violent movies as he does. I am worried about the effect they may have on his personality. Should I stop him from watching them?
Assuming he is not a child, I'm not sure how you can forbid someone from watching something. There are a lot of awful things one can be influenced by, but only if one chooses to be. Go by his actions, not his fondness for these films.

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Representational Image

Brain areas that are traditionally not associated with learning science can become active when people are confronted with solving physics problems, finds a study. This shows that the brain's activity can be modified by different forms of instruction.

"The neurobiological processes that underpin learning are complex and not always directly connected to what we think it means to learn," said lead author Eric Brewe, Associate Professor at Drexel University in Pennsylvania, US.

The findings, published in the journal Frontiers in ICT, showed that newer brain regions associated with attention, working memory and problem solving -- the lateral prefrontal cortex and parietal cortex, sometimes called the brain's "central executive network" - showed activity when dealing with such problems.

Another area that became active was the posterior cingulate cortex, which is linked to episodic memory and self-referential thought.

"These changes in brain activity may be related to more complex behavioural changes in how students reason through physics questions post- relative to pre-instruction," Brewe noted.

"These might include shifts in strategy or an increased access to physics knowledge and problem-solving resources," he said.

Using fMRI (functional magnetic resonance imaging) to measure blood flow in the brain, the researchers looked to map what areas become active when completing a physics reasoning task, both before a course on the concepts and after.

A small group of students were taught a physics course that utilised "Modeling Instruction," a style of teaching which encourages students to be active participants in their learning.

"This suggests that learning physics is an imaginative process, which is not typically how people think of it," Brewe said, in reference to the study which aimed to further explore how students use their own mental models to understand new concepts.

"The idea of mental models is something that people who research learning love to talk about, but have no evidence of what is happening inside brains other than what people say or do," Brewe said.

"We are actually looking for evidence from inside the brain."

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Swaminathan

Born to a long line of musical heritage, V Selvaganesh first brush with music maestros was at home itself. His father, TH Vinayakam, fondly known as Vikku Vinayakam is a Grammy winning ghatam player, while his grandfather TR Harihara Sharma was among the pioneers of percussion in India. "I believe that I am blessed to be a part of a heritage that has made music its tradition rather than just a profession," says Selvaganesh, who is touted as the 'kanjira king'. He along with his son Swaminathan will be in the city to match beats in what promises to be a fun concert.

Speaking of his son, Selvaganesh says, "To perform alongside your child on one stage is a feeling that cannot be described. Swaminathan is an amazing son and a musician and most of the credit goes to my father. He is the one under whom Swami has trained." This father-son duo entirely relies on the magic of spontaneity when it comes to performing. "Our performances are not planned or rehearsed because everything is about that moment. It's like we play question and answers in the language of music. I throw questions at him and he responds. So, if you have to expect anything from this concert, that would be nothing. Everything will happen in that moment and you have to be there to witness it," he says.

Swaminathan will be playing the Kanjira with his father Selvaganesh

His first instrument of choice was the mridangam. But, despite that his grandfather would urge him to play the kanjira. "He made me understand that very few people are keen on playing the instrument, and fewer are good at it. When I realised it, I took up this instrument and weaved my career around it. Today, to have an entire album revolving around this instrument is a very proud feeling," says Selvaganesh.

When: 9 pm, June 1
Where: The Quarter
Entry: Rs 749-Rs 1,499
Log on to: insider.in

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Ojas Adhiya, Nandini Shankar and Abhishek Borkar are poised to strike a chord with young urban listeners in Mumbai

For most youngsters, unfamiliar with Hindustani classical music, 'serious', 'formal' and 'boring' are popular adjectives used to define the genre. For as long as we can remember, Hindustani classical, that has given the world several legends, has been performed in sprawling auditoriums — there's not just discipline in the music, but in the attire and in environment as a whole. How would it be then, to see classical being performed in casuals? Turns out, that's not an outrageous thought anymore. First Edition Arts, a Mumbai-based performing arts company is poised to topple status quo with the sole aim of gathering more young, urban listeners. Under a musical series called Come Together, three young Hindustani classical musicians, will slip into casuals and perform for an audience gathered at Cafe Zoe. Starting June 10, this will be a regular series, one in every quarter. While the setting is all-new, the music won't take the fusion route. The first series will feature Abhishek Borkar on the sarod, Nandini Shankar on the violin and Ojas Adhiya on the tabla. The trio will present an instrumental concert in both solo and duet sets.

Catch them young
"When younger musicians try to strike a rapport with young listeners they take the fusion route. We are saying, you don't have to. This music is so exciting on its own, that the young can be hooked," says Devina Dutt, director, First Edition Arts. Six months ago, they had organised something similar at antiSOCIAL at Khar as an experiment, and they were sold out. "We weren't sure of what to expect. But it was a success." That gave them the impetus to take the idea on a larger scale. "The first two sets will be the sarod and tabla. In the third set, Abhishek will invite Nandini to jam with them on stage. The concert will span a little over an hour — not the standard two-and-a-half-hour performance. Young people haven't even heard classical music and they have discarded it. All we are trying to do, is give them a sense of how exciting and rigorous it is. But, in a short dose," Dutt says.

Abhishek Borkar

The protocols will be relaxed too. The bar will be open before and after the concert, and for 20 minutes during the interval. Food and drink services will be terminated during the performance, but, once served, guests can continue with their meal at their tables. "There was no sense in locating it in a space like this and sticking to the rigidity. But, at the same time the character of the music does require attention, it's not the kind that you can hear in the background," she adds.

Break the rules
Ever since the posters of the concert went out, a lot of Shankar's friends and followers on social media have shown interest. The posters, with their vibrant colours and friendly fonts, could well be mistaken for one for a standup gig. "Any new genre is an acquired taste. Over the last couple of years, I have noticed an increase in my young audience. Young listeners are always looking for something new and because most of them have not heard classical music, it is novel to them. If they are exposed to it, they will enjoy it," says the eighth generation violinist. The set-up, she believes, needs to change because "it is important that it appeals to you at first go. That's why the colourful posters. We need to speak the language they understand," adds the 25-year-old. After the concert, the audience can interact with the artists as well. "The milieu becomes more relatable, it's like hanging out with friends. That becomes easier when the age groups are similar. We want to connect on a personal level. In fact, that's the bit I am really looking forward to," adds Shankar.

Nandini Shankar

Tabla ace Adhiya would love to do a Q & A with the audience as well. "That way we can reach out to them and explain what classical music is all about. If they know a few things, they can enjoy it more. And it will all be done in an informal manner," says the 30-year-old who made it to the Limca Book of World Records as the youngest tabla player at the age of 4. Borkar points out that traditionally, Hindustani classical has always been somewhat "intimidating".

"It can appear too proper, rigid and posh, with its sherwanis and bandhgalas. Sometimes I feel even the artists themselves enjoy this air of exclusivity that further distances them from the audience," says the 25-year-old sarod player, adding that he was thrilled about the prospect of performing in casuals. "That's what I wear when I practice or record in a studio. So, why not at a concert? We are even thinking of getting some people to sit on stage if possible," he adds.

Distraction not a concern
The trio believes that the music will be enough to keep people from getting distracted. "It's a new thing for them too, to experience this kind of music in the given setup. And if someone is quietly eating and drinking at their table, that should not bother me. In the olden days, there would be baithaks in people's homes, where classical concerts would be performed. It's the same concept," Adhiya says. Spontaneity will be the key on D-day; the artists will reach the venue, gauge the crowd and accordingly choose the raagas. Borkar says, "I love getting people interested in an instrument they have not seen or heard before. The idea is that if they don't come to our concerts, why don't we go where they hang out? And just because it's unusual that doesn't mean it's wrong."

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A still from the short film Ahalya (2015)

We have all done it at some point in our lives. Watched a film or a documentary and played detective with it. Why does Anakin Skywalker get seduced by the dark side to become Darth Vader? Or, what is that makes Kareena Kapoor's character so confident and self-assured in Jab We Met? Or, what's the allure of the amoral Ma Anand Sheela in Wild Wild Country?

We love deducing human behaviour and motivations, especially those characters that seem to suggest one thing on the surface, and something else if you dig deeper. Which is why a recent screening of Ahalya, a short Bengali film made by Sujoy Ghosh, found nearly 120 takers at G5A Foundation in Mahalaxmi. A free screening by the Psychoanalytic Therapy and Research Centre (PTRC), the film was followed by a discussion through the lens of psychoanalysis.

Instead of looking at the film-making aspects, the psychological and emotional motives of the characters were the focus. Leading the discussion were psychoanalysts Nuzhat Khan and Micky Bhatia, faculty members at PTRC. "A great deal of our work and training, right from our students days, has got to do with mental illnesses, but there is a lot that we do which is not related to this. At seminars, we watched films, gaining a much deeper understanding of the characters," says Khan, recounting sessions where they have broken down films such as Black Swan, known for their obvious psychological depth, and also those such as Sanjay Leela Bhansali's Devdas.

PTRC's monthly screening followed by a psychoanalytic discussion. Pic/PTRC

Ghosh's film made headlines when it was streamed on YouTube in 2015, for its gripping plot that revisits the tale in The Ramayana. While you can look up the film online, Khan says that the discussion after the screening showed that there were several layers to the characters. One reading took on the young police inspector Indra's 'castration anxiety', one of Sigmund Freud's earliest psychoanalytic theories. Fearing punishment by Ahalya's husband, old enough to be his father, Indra tries to restrain his evident interest in Ahalya.

However, after he gets intimate with Ahalya, he is turned into a figurine — that's castration, symbolically, by the elderly husband showing the younger man who's boss. And, for that matter, Ahalya pretends to be an ingénue, while in fact she is a seductress. Once you explore these layers, says Khan, you will realise that there are no true villains in the film. "Had the filmmaker been there, he would have been aghast hearing our analysis," she laughs, adding, "Filmmakers, like other artists, express their subconscious or unconscious through their works. They are only semi-conscious of what they are doing. If they fully knew why, they may never make a film or any work of art.

"PTRC, a charitable trust, has been working in Mumbai for more than 40 years, almost quietly, to provide mental health services and also train professionals in the area. Given the rising interest in mental well-being, we use terms such as "repress" and "Oedipus complex" in our day-to-day lives. Banu Ismail, a child analyst and psychoanalyst with PTRC, says that at their film screenings, they open up discussions with the public to encourage different perspectives. "Psychoanalysis doesn't happen only in the consultation room. That said, there are several misconceptions about the area, and these events help clarify those," says Ismail, who will helm the next discussion of Gautam Vaze's Marathi short film, Aai Shapat on June 6 at G5A, focusing on anxiety guilt. The free screenings are followed by a lecture on another day, for which there is a registration charge.

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Representational picture

Washington D.C.: Many people are often torn about reaching their personal goals at any given cost. However, turns out, such goal conflict is associated with the symptoms of psychological distress, according to a new study conducted by the University of Exeter. A survey of more than 200 young adults investigated two forms of motivational conflict.

These were inter-goal conflict (when pursuing one goal makes it difficult to pursue another) and ambivalence (conflicting feelings about particular goals).

The results showed that each of these forms of goal conflict was independently associated with anxious and depressive symptoms, but did not predict worsening of symptoms over one month.

"People with poorer mental health are more likely to report that their personal goals hinder one another," said researcher Nick Moberly.

"Such conflict between goals may be more manageable if it is conscious. However, ambivalence may indicate a clash between a goal and a higher-order value that lies outside awareness. Attention to these deeper motivational conflicts may be an important step towards resolving them and relieving distress", continued Moberly.

Professor Joanne Dickson said, "We know that striving for goals that are important to us gives life meaning and purpose and promotes wellbeing. However, when these goals generate conflict they can contribute to psychological distress."

Inter-goal conflict occurs either because the objectives are incompatible or because pursuit of both goals draws upon a limited resource, such as time or money.

For example, a person's goal to spend more time with their family may conflict with their goal to get promoted at work.

Ambivalence is thought to reflect a deeper motivational conflict of which the person is unaware.

For example, a person may feel ambivalent about initiating an intimate relationship because this challenges a more abstract goal of independence.

The young adults in the study were aged 18-35, with an average age of 20. The findings from the study are published in the journal Personality and Individual Differences.

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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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The European Commission has hailed victory in a World Trade Organisation case concerning Russian anti-dumping duties on certain light commercial vehicles from Germany and Italy.

Russia has requested World Trade Organisation dispute consultations with the EU in a case involving EU anti-dumping duties on certain steel products.

Russian and Japanese government representatives met in Tokyo on March 27 to begin negotiations on updating their double tax agreement.

Over 100 foreign providers of electronically supplied goods and services to Russian consumers have registered to pay value-added tax on their supplies at 18 percent.

The governments of Japan and Russia on April 28 announced they have agreed the text of a new double tax agreement that would replace the 1986 pact between Japan and the former USSR.

To fund future tax cuts for companies, the Russian Ministry of Finance has proposed hiking the headline value-added tax rate.

Russia will sign the OECD's Multilateral Convention to implement tax treaty-related measures to prevent base erosion and profit shifting, the Government announced on May 20.

The EU has said that, as a result of dispute proceedings it launched in 2014, Russia has lowered tariffs on certain paper, refrigerators, and palm oil products.

Russia should hike value-added tax by four percent to 22 percent and lower social security contributions, the International Monetary Fund has proposed.

The governments of Japan and Russia signed a new convention on the elimination of double taxation on September 7.

Russia's Energy Ministry has announced that changes to the tax treatment of the oil industry will take place, but potentially not until 2019.

Legislation has been tabled in Russia's lower house of parliament, the Duma, to introduce a two-rate personal income tax regime, in place of the current flat tax regime.

The Russian Government is reportedly considering the introduction of a number of new taxes, including a tax on hotel stays.