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SunnyJuly 15, 2018
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1min30

चेन्नई:  

ऐसे समय में जब तमिलनाडु के प्रमुख राजनीतिक दल केंद्र सरकार की ‘एक देश, एक चुनाव’ के प्रस्ताव का विरोध कर रहे हैं, ऐसे में अभिनेता से नेता बने रजनीकांत रविवार को इसके समर्थन में उतरे।

रजनीकांत ने यहां संवाददाताओं से कहा, ‘एक देश, एक चुनाव’ एक बेहतरीन विचार है। इससे समय और राजनीतिक दलों की धनराशि की बचत होगी।

उन्होंने यह भी कहा कि आम चुनाव लड़ने का फैसला बाद में लिया जाएगा। रजनीकांत ने इससे पहले कहा था कि उनकी पार्टी अगला विधानसभा चुनावों चुनाव लड़ेगी।

प्रस्तावित चेन्नई-सेलम आठ लेन एक्सप्रेसवे के बारे में पूछे जाने पर राजनीकांत ने कहा कि ऐसी परियोजनाएं औद्योगिक निवेश लाएंगी।

हालांकि, उन्होंने कहा कि सरकार को यह देखना चाहिए कि परियोजना के लिए केवल न्यूनतम भूमि अधिग्रहित की गई है और भूमि मालिकों को इस हद तक मुआवजा दिया जाता है कि वे खुश हैं।

यह पूछे जाने पर कि भारतीय जनता पार्टी (बीजेपी) के अध्यक्ष अमित शाह का कहना है कि तमिलनाडु में बहुत भ्रष्टाचार है, इस पर रजनीकांत ने कहा, ‘यह शाह का नजरिया है और मीडिया को उनसे पूछना चाहिए।’

रजनीकांत के अनुसार, राज्य सरकार बड़ी परियोजनाएं ला सकती हैं। उन्होंने तमिलनाडु के स्कूल शिक्षा मंत्री के ए सेंगोटेया को बेहतर प्रदर्शन के लिए सराहा।

उन्होंने कहा कि देश के अन्य राज्यों की तुलना में तमिलनाडु में शिक्षा प्रणाली बहुत बेहतर है।

और पढ़ें: भावुक हुए कर्नाटक के सीएम, कहा- गठबंधन के दर्द का विषपान कर रहा हूं 


First Published: Sunday, July 15, 2018 02:49 PM

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SunnyJuly 15, 2018
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2min30

नई दिल्ली, 15 जुलाई:  तमिलनाडु की राजनीति गलियारों में दस्तक देने की राह पर फिल्म अभिनेता रजनीकांत एक बार फिर चर्चे में है। समय-समय पर राजनीतिक बयानों से रजनीकांत का राजनीतिक क्षेत्र में उतरना तय माना जाता रहा है। एक बार फिर उन्होंने एक बयान दिया है। इस बयान से स्पष्ट हो रहा है कि वो तमिलानाडु में किस प्रकार की राजनीति करना चहाते हैं। रजनीकांत ने मोदी सरकार के खास मुद्दों में से एक मुद्दा वन नेशन वन इलेक्शन का समर्थन किया है। चेन्नई में मौजूद रजनीकांत ने एक कार्यक्रम में कहा है कि वह वन नेशन और वन इलेक्शन का समर्थन करते हैं। उन्होंने कहा कि इससे समय और धन दोनों की बचत होगी। 

मोदी सरकार के सबसे महत्वकांक्षी मुद्दों में से एक मुद्दा वन नेशन, वन इलेक्शन का है। वन नेशन, वन इलेक्शन में पूरे देश में लोकसभा और विधानसभा चुनाव एक साथ कराए जाएंगे। वहीं, रजनीकांत के इस बयान से जाहिर हो रहा है कि 2019 में होने वाले लोकसभा चुनाव और राज्यसभा चुनाव एक साथ कराया जाना चाहिए। वहीं, तमिलनाडु में सत्तारूढ़ पार्टी अन्नाद्रमुक चाहती है कि 2021 के बाद तमिलनाडु में चुनाव हो। ताकि इस सत्र का विधानसभा कार्यकाल समाप्त हो जाए। 

रजनीकांत ने खोले पत्ते, बताया- क्यों तमिलनाडु की राजनीति में कूदेंगे और किस नेता की तरह राजनीति करेंगे

रजनीकांत इससे पहले कई बार अपनी कई ऐसे राजनीतिक बयान दे चुके हैं जिसके बाद तमिलनाडु की राजनीतिक सरर्गियां चरम पर पहुंच जाती है। हाल ही में उन्होंने कहा उन्होंने कहा, ‘जयललिता अब नहीं रहीं, करुणानिधि बीमार हैं। तमिलनाडु को एक नेता की जरूरत है। मैं आऊंगा और इस खाली हुई जगह को भर दूंगा। इस वक्त भगवान मेरी तरफ है।’

 बता दें कि  रजनीकांत तमिलनाडु के कुशल राजनीतिज्ञ व पूर्व मुख्यमंत्री एमजी रामाचंद्रन (एमजीआर) से प्रभावित हैं औ उन्हीं की तरह शासन करना चाहते हैं। रजनीकांत ने कहा, मैं जानता हूं कि राजनैतिक सफर आसान नहीं होता। यह एक ऐसा सफर होता है जहां संघर्ष होता है। लेकिन मैं बेहद शासन दे सकता हूं, जैसा कि उन्होंने (एमजीआर) आम लोगों को दिया। मुझे विश्वास है मैं भी उनके जैसा कर सकता हूं।

लोकमत न्यूज के लेटेस्ट यूट्यूब वीडियो और स्पेशल पैकेज के लिए यहाँ क्लिक कर सब्सक्राइब करें

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SunnyJuly 15, 2018
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1min20

नई दिल्‍ली। साउथ फिल्‍मों के सुपरस्‍टार और हाल ही में राजनेता बने रजनीकांत ने मोदी सरकार के ‘वन नेशन, वन इलेक्‍शन’ मुहिम का समर्थन किया है। रजनीकांत ने कहा है कि मैं ‘वन नेशन, वन इलेक्शन’ का समर्थन करता हूं, इससे पैसे और समय दोनों की बचत होगी। रजनीकांत चेन्‍नई के एक कार्यक्रम में बोल रहे थे। उन्‍होंने कहा कि ‘वन नेशन, वन इलेक्शन’ काफी बढ़िया और अच्छा कॉन्सेप्ट है।

इससे समय और पैसे की पूरी तरह से बचत होगी। इस पर सभी पार्टियों को साथ मिलकर काम करना चाहिए और सहयोग करना चाहिए। देश के विकास की बात करते हुए रजनीकांत ने कहा कि इसके लिए 8 वे लेन जैसी परियोजनाएं आवश्यक हैं। उन्होंने यह भी कहा कि अन्य राज्यों की तुलना में तमिलनाडु का एजुकेशन सिस्टम काफी बेहतर है।

आपको बता दें कि वन नेशन वन इलेक्शन की अवधारणा पर मोदी सरकार काफी प्रतिबद्ध नजर आती रही है। मोदी सरकार और खुद पीएम मोदी भी चाहते हैं कि देश में एक बार ही विधानसभा और लोकसभा के चुनाव हों। इसले लिए वह कई बार लोगों से और राजनीतिक पार्टियों से अपील भी कर चुके हैं।

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SunnyJuly 14, 2018
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8min60

The homeownership rate has been increasing recently following more than 10 years of decline. According to the U.S. Census Bureau, the rate peaked in the first quarter of 2005 at 69.1 percent, then declined to a low of 62.9 percent in the second quarter of 2016. It has been creeping up since then, reaching 64.2 percent in the first quarter of this year.

This may or may not be a good thing, depending on how many of the new owners are NOHOs — my term for people who should not be homeowners.

The distinguishing feature of NOHOS that makes them poor homeowners is not their income, family structure, mobility, ethnicity or where they live — rather, it is how they live. While successful homeowners live with at least one foot in the future, and have learned how to delay some gratifications for future rewards, NOHOs live from day to day — or week to week, or month to month, depending on how often they are paid. Furthermore, whatever they want, they want it now. Typically, they have nothing left at the end of their pay period, and if they run out early, they have to scrimp or borrow, usually at high interest rates.

When NOHOs make a costly purchase, such as a TV, they price it in terms of the monthly payment, which they attempt to fit into their weekly or monthly budget. They are easily seduced by offers of delayed payments and long repayment terms, ignoring the high prices that accompany such offers.

NOHOs sometimes write me about buying a house because they have heard owning is cheaper than renting. They would buy a house in the same way they would buy a TV set, by seeing if they can afford the monthly payment. In most cases, they have no savings but have heard it is possible to get a loan for 100 percent of the sale price. I try to discourage them by explaining the hidden costs and risks of homeownership, and by pointing out that as owners, they rather than the landlord are responsible for everything that goes wrong.

Any bump in the road is enough to throw home-owning NOHOs in the ditch. A common bump in the road is property taxes. One who wrote me had calculated her monthly obligation net of the tax deduction on the mortgage interest, and fell behind on her payment because — something she did not anticipate — her tax saving did not become available to her until year end.

Another NOHO who wrote me was in serious trouble almost immediately because the property tax estimate by the lender turned out to be $200 a month too low. The NOHO said he would not have purchased the house had he known the correct figure. His house purchase plan had no margin for error.

More often, NOHOs can manage the tax when they move in but can’t manage a future tax increase. Of course, property taxes are known to rise, if not this year then next. It doesn’t take a lot of foresight to expect it. But foresight is in short supply among NOHOs.

In the 1920s, NOHOs were all renters because mortgage lenders required house purchasers to put 40 percent down. Since NOHOs can’t save, they can’t make a down payment. The problem was that the high down payment requirement screened out many potential homeowners who were not NOHOS, especially first-time homebuyers, for whom our society seems to have a weak spot. Over the years the screen has been much loosened.

On FHA-insured loans, the requirement declined from 20 percent in 1934 to 3.5 percent today. Loans purchased by Fannie Mae and Freddie Mac today require 5 percent down, though first-time buyers can qualify for 3 percent. Veterans can obtain VA mortgages with no down payment, and the Department of Agriculture offers them to low-income purchasers in rural areas.

An alternative way of liberalizing the down payment screen is to allow the payment to come from someone other than the borrower. We have had a number of these, and some are more likely to allow NOHOs to avoid the screen than others.

Allowing a third party to make a down payment for a borrower in most cases is a better way to screen out NOHOs than a no down payment program that relies entirely on a credit evaluation. The third party is risking its contribution based on knowledge of the borrower. This is true of contributions made by family members, for whom assistance is a vote of confidence by those who usually know the borrower best. To some degree it is also true of investors who negotiate a share of future property appreciation. Several programs of this sort have arisen in recent years. It is not the case with home sellers, who can be depended upon to raise the house price by enough to cover their contribution.

It isn’t easy but NOHOs can cure themselves by changing their lifestyle. The key change is to reverse their practice of treating savings as a residual — what is left at the end of the pay period after all expenses have been made. The residual system doesn’t work for NOHOs because they never have anything left. A way to shift priorities is to make a deposit into a special savings account immediately after receiving income, so that spending is limited to what remains. It can work for those determined to make it work.

• Contact Jack Guttentag via his website at mtgprofessor.com.

© 2018

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SunnyJuly 14, 2018
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4min70

There are different ways to save money, but the most unconventional or perhaps least considered is saving through your home loan account.

Kathu Ramoliko, head of the gold sub-segment at FNB, said: “A home loan is a long-term financial commitment which takes years to repay; however, it can also be used as a savings tool over the life of the loan.

“In other words, as a homebuyer, the loan provider can structure your home loan in way that allows you to pay extra towards the loan. The benefit is that you can save on interest and the additional money can be accessed whenever required using the Flexi Option.”

This facility enables you to put extra cash directly into your bond, while additional funds you have in the loan account can also be withdrawn. “By adding your savings into your bond, you reduce the interest being charged, as every bit extra goes towards paying off a part of the loan, therefore the lower the loan amount the lower the interest,” FNB said.

For example, if you have a bond of R700,000 over 20 years (240 months) with an interest rate of 10%. Your repayment every month would be R 6,755. If you pay an additional R500 per month, the loan will be paid off 43 months earlier.

According to Ramoliko, the Gold customer falls between the R7,000 and R25,000 monthly income brackets, and some within this group include first time buyers.

“About 56% of customers in the Gold base are first time buyers, and this is the group we focus our educational efforts on so that they begin making additional payments into their home loan much earlier. Customers have the option to set their debit order above the minimum repayment amount as a way of committing to extra payments on a regular basis,” Ramoliko said.

“In principle, there’s nothing wrong with paying off your home loan over the 20-year time frame. However, if you are able to pay a little extra you can shorten the repayment time frame and reduce interest repayments and ultimately save,” Ramoliko said.

FNB said that customers can use the bank’s app to switch their home loan. The applicant can also track the progress of the application on nav» Home to check the status of process.

“We have seen exponential growth in the channel with one million unique visitors to nav» Home. Applications on this channel have also grown 392% year on year, indicating that consumers are ready to embrace this enhancement,” said Ramoliko.


Read: How land reform is impacting South Africans looking to buy a home

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SunnyJuly 14, 2018
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1min30

भोपाल. कोलार थाना क्षेत्र में महिला ने फंदा लगाकर आत्महत्या कर ली। उससे पहले लिवइन पार्टनर को वीडियो कॉल कर फंदा दिखा इसकी जानकारी दी। जब तक पार्टनर पहुंचा वह फांसी लगा चुकी थी। पुलिस ने मर्ग कायम कर जांच कर रही है।

जानकारी के अनुसार शिवपुरी निवासी नीलम त्रिवेदी (32) निवासी इ-58 अंकित परिसर स्थित आयुर्वेदिक हर्बल प्रोडक्टस बनाने वाली कंपनी में नौकरी करती थी। इस दौरान उसी कंपनी में काम करने वाले नितिन वर्मा के संपर्क में आ गई। दोनों पछिले 6 महीने से लिवइन में रह रहे थे।

नितिन ने महिला को कोलार में किराए का मकान दिलाया था। पुलिस का कहना है कि दोनों शादी करना चाह रहे थे। हालांकि नितिन के परिवार वाले इसके लिए राजी नहीं थे। इसी बात को लेकर दोनों में विवाद होता था। यह बात नितिन ने पुलिस की पूछताछ में बताई।

इन्ही विवादों के चलते शुक्रवार रात नौ बजे नीलम ने नितिन को वीडियो कॉल किया और घर में बना फांसी का फंदा नितिन को दिखाया। खुदकुशी करने की बात कहते हुए कहा की जान दे रही हूं, आखिरी बार देख लो और बचा सकते हो तो बचा लो।

इस पर वर्मा ने मना किया। इसके बाद उसने फोन काट दिया और तत्काल उसके घर पहुंचा, तब तक महिला फांसी पर झूल चुकी थी। उसके बाद उसने फंदे से नीचे उतारा और अस्पताल लेकर गया। वहां पर डॉक्टर ने मृत घोषित कर दिया। सूचना पर मौके पर पहुंची पुलिस ने कमरे की तलाशी ली।

कमरे में सुसाइड नोट नहीं मिला है। पुलिस को संदेह है कि नितिन से विवाद के कारण महिला ने फांसी लगाई होगी। मामले में पुलिस पड़ताल कर रही हे।

6 साल पहले भोपाल आई थी
मृतिका नीलम के तीन बच्चे हैं। शिवपुरी में इनकी शादी हुई थी। पिछले 6 साल से वह भोपाल में रह रही थी। दूसरी ओर सामने आया है कि लिवइन में रहने वाले नितिन की पहले शादी हो चुकी है। उसकी एक बेटी है, पत्नी की मौत हो चुकी है। वह नीलम से शादी करना चाहता था।

हालांकि परिजन नीलम और नितिन के रिश्तों से खुश नहीं थे। जांचकर्ता मस्कोले ने बताया कि दोनों का मोबाइल जब्त कर लिया है। परिजनों के बयान और पीएम रिपोर्ट के आधार पर आरोपी आगे कार्रवाई की जाएगी। नितिन में महिला को दूसरी पत्नी बताया है।

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SunnyJuly 14, 2018
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6min50

Car owners often overpay, sometimes by hundreds of dollars, to solve problems they could easily fix themselves.

We’re not talking about under-the-hood projects that’ll get your hands black with grease. These fixes — things like replacing lost keys or repairing scratches and dents — involve a savvy combination of newly available markets and resources.

“There’s a lot more people can do on their own cars than they thought,” says Greg Kopf, brand ambassador for CarID, an online auto parts retailer. “I encourage people to get into [their] garage, get immersed in the community of online resources that are now available.”

Here are five no-brainers to save money while keeping your car running and looking sharp.

  1. Buy replacement key fobs online. Remote-control car key fobs are handy, until you lose one. Dealerships charge exorbitant prices for replacement fobs — $234 for a 2016 Mazda3 remote start key, for example — and programming it costs extra. If you buy a fob on eBay Motors instead, you could pay as little as $20, depending on the key, and it might cost about $100 for a mobile locksmith to program it. “This is definitely a money-saver,” Kopf says. “A lot of the mobile services will charge you less than if you were to take your car and leave it at the dealership.”
  2. Find a mobile paintless dent remover. You backed into the garbage can, leaving an ugly dent in your car. A body shop would easily charge $700 for the fix. But if the paint isn’t broken, a mobile paintless dent repair technician can massage it back into shape for about $150. Find a highly rated technician on Yelp and text pictures of the dent to see whether it’s doable.
  3. Touch up — don’t repaint — scratches. A body shop will want to repaint an entire car panel that’s been scratched to make sure the color matches. But with a steady hand, an artist’s brush and some patience, you can do the job yourself, touching up scrapes, scratches and pitting. Kopf says you can buy a kit that matches your car’s paint and provides everything you need to make many blemishes disappear. Prices range from $10 for paint pens to over $50 for premium touch-up kits. Find your car’s paint color code on a sticker in the glove box or on the driver’s-side door. Or find a mobile paint touch-up expert to do the job at your house.
  4. Buy parts online. After years of working as a dealership service advisor, Kopf knows markups on parts are “drastic.” You can buy auto parts for a fraction of the price via eBay or another online retailer and have a mechanic install them. But don’t pick the cheapest option. “Make sure you’re buying a reputable brand,” Kopf says. You may even be able to buy the same part the dealership sells at a reduced cost.
  5. Clear foggy headlights yourself. YouTube videos show foggy headlights rubbed clear with toothpaste as a buffing compound — a quick $2 fix. “I’ve never tried it myself,” says Kopf, who suggests buying a headlight-clearing kit. You can find these online for about $20. Or, he says, buying and replacing the headlight assembly costs a bit more, but installation is simple. With sparkling lenses, you’ll see better at night and your car will look years younger.

Next time trouble strikes, check out online tutorials and resources first. Maybe you can save some money and tackle the job yourself — or at least you’ll be better informed if you decide to hand it off to an expert.

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SunnyJuly 13, 2018
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6min50



(Source: WAFB)

BATON ROUGE, LA (WAFB) –

Entergy and the LaHouse Resource Center are sharing tips to save consumers money on their utility bills this summer.

LaHouse Resource Center is a demonstration house serving as a showcase for homeowners to learn how to make a house more energy efficient.

"It’s an educational exhibit that shows a range of ways to balance and integrate the benefits that we can have with technology if we just know about them," said Dr. Claudette Riechel, the director of LaHouse. "So it’s to get higher energy efficiency and comfort in the home. Better indoor air quality, a healthier home and also a more durable home that’s also hazard resistant against hurricanes, termites and floods."

Entergy shares some cost-free tips to save money.

  • Set your thermostat on your hot water heater to 120 degrees or to the medium setting. This allows you to save energy and it is efficient enough for your dishwasher and also for washing clothes.
  • If you use the oven to prepare meals, consider cooking during early morning or evening hours when the temperature outside is not so high. This will help keep the house cool during the day. Consider using other appliances like a Crockpot too.
  • Get your air conditioner unit inspected once a year, every year. This will help with energy efficiency.
  • Consider keeping your thermostat set at 78 degrees or above because any degree set below 78 increases your electric bill by 3 percent.
  • Make sure to keep your blinds closed in every room to keep the room as cool as possible.
  • If you’re using the ceiling fan, make sure it’s turning counterclockwise to help cool off the room faster.

Entergy also has a website where you can find out how to save more money room by room HERE.

LaHouse suggests these tips that will cost you initially but will save you money in the long run.

  • Make sure the ducts in your attic are properly sealed. The typical home loses 30 sometimes 50 percent of all the cooling through duct leaks. You can use a product like mastic to make sure it holds better and retains cool air.
  • If you are shopping for new appliances or replacing old ones, look for items with the Energy Star Guide or label. 
  • Consider using LED lightbulbs. Compact, florescent and LED lights not only use about a third to a fourth of the energy of incandescents, they put out that much less heat. They save on your air conditioning as well as directly with energy efficiency and they last longer. 
  • Consider switching out the type of screening on your windows. You can purchase special screening with a tighter weave or you can do it yourself with a little spline.
  • You can also apply solar film on your windows. This product stops the heat from going through the glass and keeping it out of your home.
  • Consider beefing up the insulation on your attic floor. This could save you money during the summer and winter.

LaHouse will have an Open House to celebrate its 10 year anniversary since the ribbon-cutting ceremony. The event will take place at 2858 Gourrier Ave, across from Alex Box Stadium, between 10 a.m. and 2 p.m. on Saturday, July 14.

Copyright 2018 WAFB. All rights reserved.

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