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'Never Seen Anything Like This': Experts Question Dropping of Flynn Prosecution

WASHINGTON -- The Justice Department's decision to drop the criminal case against Michael Flynn, President Donald Trump's former national security adviser, even though he had twice pleaded guilty to lying to investigators, was extraordinary and had no obvious precedent, a range of criminal law specialists said Thursday."I've been practicing for more time than I care to admit and I've never seen anything like this," said Julie O'Sullivan, a former federal prosecutor who now teaches criminal law at Georgetown University.The move is the latest in a series that the department, under Attorney General William Barr, has taken to undermine and dismantle the work of the investigators and prosecutors who scrutinized Russia's 2016 election interference operation and its links to people associated with the Trump campaign.The case against Flynn for lying to the FBI about his conversations with the Russian ambassador was brought by the office of the former special counsel, Robert Mueller. It had become a political cause for Trump and his supporters, and the president had signaled that he was considering a pardon once Flynn was sentenced. But Barr instead abruptly short-circuited the case.On Thursday, Timothy Shea, the interim U.S. attorney in the District of Columbia, told the judge overseeing the case, Emmet G. Sullivan, that prosecutors were withdrawing the case. They were doing so, he said, because the department could not prove to a jury that Flynn's admitted lies to the FBI about his conversations with the ambassador were "material" ones.The move essentially erases Flynn's guilty pleas. Because he was never sentenced and the government is unwilling to pursue the matter further, the prosecution is virtually certain to end, although the judge must still decide whether to grant the department's request to dismiss it "with prejudice," meaning it could not be refiled in the future.A range of former prosecutors struggled to point to any previous instance in which the Justice Department had abandoned its own case after obtaining a guilty plea. They portrayed the justification Shea pointed to -- that it would be difficult to prove to a jury beyond a reasonable doubt that the lies were material -- as dubious."A pardon would have been a lot more honest," said Samuel Buell, a former federal prosecutor who now teaches criminal law at Duke University.The law regarding what counts as "material" is extremely forgiving to the government, Buell added. The idea is that law enforcement is permitted to pursue possible theories of criminality and to interview people without having firmly established that there was a crime first.James G. McGovern, a defense lawyer at Hogan Lovells and a former federal prosecutor, said juries rarely bought a defendant's argument that a lie did not involve a material fact."If you are arguing 'materiality,' you usually lose, because there is a tacit admission that what you said was untrue, so you lose the jury," he said.No career prosecutors signed the motion. Shea is a former close aide to Barr. In January, Barr installed him as the top prosecutor in the district that encompasses the nation's capital after maneuvering out the Senate-confirmed former top prosecutor in that office, Jessie K. Liu.Soon after, in an extraordinary move, four prosecutors in the office abruptly quit the case against Trump's longtime friend Roger Stone. They did so after senior Justice Department officials intervened to recommend a more lenient prison term than standard sentencing guidelines called for in the crimes Stone was convicted of committing -- including witness intimidation and perjury -- to conceal Trump campaign interactions with WikiLeaks.It soon emerged that Barr had also appointed an outside prosecutor, Jeff Jensen, the U.S. attorney in St. Louis, to review the Flynn case files. The department then began turning over FBI documents showing internal deliberations about questioning Flynn, like what warnings to give -- even though such files are usually not provided to the defense.Flynn's defense team has mined such files for ammunition to portray the FBI as running amok in its decision to question Flynn in the first place. The questioning focused on his conversations during the transition after the 2016 election with the Russian ambassador about the Obama administration's imposition of sanctions on Russia for its interference in the American election.The FBI had already concluded that there was no evidence that Flynn, a former Trump campaign adviser, had personally conspired with Russia about the election, and it had decided to close out the counterintelligence investigation into him. Then questions arose about whether and why Flynn had lied to administration colleagues like Vice President Mike Pence about his conversations with the ambassador.Because the counterintelligence investigation was still open, the bureau used it as a basis to question Flynn about the conversations and decided not to warn him at its onset that it would be a crime to lie. Notes from Bill Priestap, then the head of the FBI's counterintelligence division, show that he wrote at one point about the planned interview: "What's our goal? Truth/admission or to get him to lie, so we can prosecute him or get him fired?"Barr has also appointed another outside prosecutor, John H. Durham, the U.S. attorney in Connecticut, to reinvestigate the Russia investigators even though the department's independent inspector general was already scrutinizing them.And his department has intervened in a range of other ways, from seeking more comfortable prison accommodations last year for Paul Manafort, Trump's former campaign chairman, to abruptly dropping charges in March against two Russian shell companies that were about to go to trial for financing schemes to interfere in the 2016 election using social media.Barr has let it be known that he does not think the FBI ever had an adequate legal basis to open its Russia investigation in the first place, contrary to the judgment of the Justice Department's inspector general.In an interview on CBS News on Thursday, Barr defended the dropping of the charges against Flynn on the grounds that the FBI "did not have a basis for a counterintelligence investigation against Flynn at that stage."Anne Milgram, a former federal prosecutor and former New Jersey attorney general who teaches criminal law at New York University, defended the FBI's decision to question Flynn in January 2017. She said that much was still a mystery about the Russian election interference operation at the time and that Flynn's lying to the vice president about his postelection interactions with a high-ranking Russian raised new questions.But, she argued, the more important frame for assessing the dropping of the case was to recognize how it fit into the larger pattern of the Barr-era department "undercutting the law enforcement officials and prosecutors who investigated the 2016 election and its aftermath," which she likened to "eating the Justice Department from the inside out."This article originally appeared in The New York Times.(C) 2020 The New York Times Company





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Google employees are told to expect to work from home for the rest of the year, but a select few will be allowed to return to offices as soon as June

Google CEO Sundar Pichai has told employees to expect to work from home for the remainder of 2020, but will open offices for certain exceptions.





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Coronavirus lockdown: UK 'should not expect big changes'

The PM will set out a "cautious" road map for the UK in his speech on Sunday, a cabinet minister says.




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Building Great User Experiences with Concurrent Mode and Suspense

At React Conf 2019 we announced an experimental release of React that supports Concurrent Mode and Suspense. In this post we’ll introduce best practices for using them that we’ve identified through the process of building the new facebook.com.

This post will be most relevant to people working on data fetching libraries for React.

It shows how to best integrate them with Concurrent Mode and Suspense. The patterns introduced here are based on Relay — our library for building data-driven UIs with GraphQL. However, the ideas in this post apply to other GraphQL clients as well as libraries using REST or other approaches.

This post is aimed at library authors. If you’re primarily an application developer, you might still find some interesting ideas here, but don’t feel like you have to read it in its entirety.

Talk Videos

If you prefer to watch videos, some of the ideas from this blog post have been referenced in several React Conf 2019 presentations:

This post presents a deeper dive on implementing a data fetching library with Suspense.

Putting User Experience First

The React team and community has long placed a deserved emphasis on developer experience: ensuring that React has good error messages, focusing on components as a way to reason locally about app behavior, crafting APIs that are predictable and encourage correct usage by design, etc. But we haven’t provided enough guidance on the best ways to achieve a great user experience in large apps.

For example, the React team has focused on framework performance and providing tools for developers to debug and tune application performance (e.g. React.memo). But we haven’t been as opinionated about the high-level patterns that make the difference between fast, fluid apps and slow, janky ones. We always want to ensure that React remains approachable to new users and supports a variety of use-cases — not every app has to be “blazing” fast. But as a community we can and should aim high. We should make it as easy as possible to build apps that start fast and stay fast, even as they grow in complexity, for users on varying devices and networks around the world.

Concurrent Mode and Suspense are experimental features that can help developers achieve this goal. We first introduced them at JSConf Iceland in 2018, intentionally sharing details very early to give the community time to digest the new concepts and to set the stage for subsequent changes. Since then we’ve completed related work, such as the new Context API and the introduction of Hooks, which are designed in part to help developers naturally write code that is more compatible with Concurrent Mode. But we didn’t want to implement these features and release them without validating that they work. So over the past year, the React, Relay, web infrastructure, and product teams at Facebook have all collaborated closely to build a new version of facebook.com that deeply integrates Concurrent Mode and Suspense to create an experience with a more fluid and app-like feel.

Thanks to this project, we’re more confident than ever that Concurrent Mode and Suspense can make it easier to deliver great, fast user experiences. But doing so requires rethinking how we approach loading code and data for our apps. Effectively all of the data-fetching on the new facebook.com is powered by Relay Hooks — new Hooks-based Relay APIs that integrate with Concurrent Mode and Suspense out of the box.

Relay Hooks — and GraphQL — won’t be for everyone, and that’s ok! Through our work on these APIs we’ve identified a set of more general patterns for using Suspense. Even if Relay isn’t the right fit for you, we think the key patterns we’ve introduced with Relay Hooks can be adapted to other frameworks.

Best Practices for Suspense

It’s tempting to focus only on the total startup time for an app — but it turns out that users’ perception of performance is determined by more than the absolute loading time. For example, when comparing two apps with the same absolute startup time, our research shows that users will generally perceive the one with fewer intermediate loading states and fewer layout changes as having loaded faster. Suspense is a powerful tool for carefully orchestrating an elegant loading sequence with a few, well-defined states that progressively reveal content. But improving perceived performance only goes so far — our apps still shouldn’t take forever to fetch all of their code, data, images, and other assets.

The traditional approach to loading data in React apps involves what we refer to as “fetch-on-render”. First we render a component with a spinner, then fetch data on mount (componentDidMount or useEffect), and finally update to render the resulting data. It’s certainly possible to use this pattern with Suspense: instead of initially rendering a placeholder itself, a component can “suspend” — indicate to React that it isn’t ready yet. This will tell React to find the nearest ancestor <Suspense fallback={<Placeholder/>}>, and render its fallback instead. If you watched earlier Suspense demos this example may feel familiar — it’s how we originally imagined using Suspense for data-fetching.

It turns out that this approach has some limitations. Consider a page that shows a social media post by a user, along with comments on that post. That might be structured as a <Post> component that renders both the post body and a <CommentList> to show the comments. Using the fetch-on-render approach described above to implement this could cause sequential round trips (sometimes referred to as a “waterfall”). First the data for the <Post> component would be fetched and then the data for <CommentList> would be fetched, increasing the time it takes to show the full page.

There’s also another often-overlooked downside to this approach. If <Post> eagerly requires (or imports) the <CommentList> component, our app will have to wait to show the post body while the code for the comments is downloading. We could lazily load <CommentList>, but then that would delay fetching comments data and increase the time to show the full page. How do we resolve this problem without compromising on the user experience?

Render As You Fetch

The fetch-on-render approach is widely used by React apps today and can certainly be used to create great apps. But can we do even better? Let’s step back and consider our goal.

In the above <Post> example, we’d ideally show the more important content — the post body — as early as possible, without negatively impacting the time to show the full page (including comments). Let’s consider the key constraints on any solution and look at how we can achieve them:

  • Showing the more important content (the post body) as early as possible means that we need to load the code and data for the view incrementally. We don’t want to block showing the post body on the code for <CommentList> being downloaded, for example.
  • At the same time we don’t want to increase the time to show the full page including comments. So we need to start loading the code and data for the comments as soon as possible, ideally in parallel with loading the post body.

This might sound difficult to achieve — but these constraints are actually incredibly helpful. They rule out a large number of approaches and spell out a solution for us. This brings us to the key patterns we’ve implemented in Relay Hooks, and that can be adapted to other data-fetching libraries. We’ll look at each one in turn and then see how they add up to achieve our goal of fast, delightful loading experiences:

  1. Parallel data and view trees
  2. Fetch in event handlers
  3. Load data incrementally
  4. Treat code like data

Parallel Data and View Trees

One of the most appealing things about the fetch-on-render pattern is that it colocates what data a component needs with how to render that data. This colocation is great — an example of how it makes sense to group code by concerns and not by technologies. All the issues we saw above were due to when we fetch data in this approach: upon rendering. We need to be able to fetch data before we’ve rendered the component. The only way to achieve that is by extracting the data dependencies into parallel data and view trees.

Here’s how that works in Relay Hooks. Continuing our example of a social media post with body and comments, here’s how we might define it with Relay Hooks:

// Post.js
function Post(props) {
  // Given a reference to some post - `props.post` - *what* data
  // do we need about that post?
  const postData = useFragment(graphql`
    fragment PostData on Post @refetchable(queryName: "PostQuery") {
      author
      title
      # ...  more fields ...
    }
  `, props.post);

  // Now that we have the data, how do we render it?
  return (
    <div>
      <h1>{postData.title}</h1>
      <h2>by {postData.author}</h2>
      {/* more fields  */}
    </div>
  );
}

Although the GraphQL is written within the component, Relay has a build step (Relay Compiler) that extracts these data-dependencies into separate files and aggregates the GraphQL for each view into a single query. So we get the benefit of colocating concerns, while at runtime having parallel data and view trees. Other frameworks could achieve a similar effect by allowing developers to define data-fetching logic in a sibling file (maybe Post.data.js), or perhaps integrate with a bundler to allow defining data dependencies with UI code and automatically extracting it, similar to Relay Compiler.

The key is that regardless of the technology we’re using to load our data — GraphQL, REST, etc — we can separate what data to load from how and when to actually load it. But once we do that, how and when do we fetch our data?

Fetch in Event Handlers

Imagine that we’re about to navigate from a list of a user’s posts to the page for a specific post. We’ll need to download the code for that page — Post.js — and also fetch its data.

Waiting until we render the component has problems as we saw above. The key is to start fetching code and data for a new view in the same event handler that triggers showing that view. We can either fetch the data within our router — if our router supports preloading data for routes — or in the click event on the link that triggered the navigation. It turns out that the React Router folks are already hard at work on building APIs to support preloading data for routes. But other routing frameworks can implement this idea too.

Conceptually, we want every route definition to include two things: what component to render and what data to preload, as a function of the route/url params. Here’s what such a route definition might look like. This example is loosely inspired by React Router’s route definitions and is primarily intended to demonstrate the concept, not a specific API:

// PostRoute.js (GraphQL version)

// Relay generated query for loading Post data
import PostQuery from './__generated__/PostQuery.graphql';

const PostRoute = {
  // a matching expression for which paths to handle
  path: '/post/:id',

  // what component to render for this route
  component: React.lazy(() => import('./Post')),

  // data to load for this route, as function of the route
  // parameters
  prepare: routeParams => {
    // Relay extracts queries from components, allowing us to reference
    // the data dependencies -- data tree -- from outside.
    const postData = preloadQuery(PostQuery, {
      postId: routeParams.id,
    });

    return { postData };
  },
};

export default PostRoute;

Given such a definition, a router can:

  • Match a URL to a route definition.
  • Call the prepare() function to start loading that route’s data. Note that prepare() is synchronous — we don’t wait for the data to be ready, since we want to start rendering more important parts of the view (like the post body) as quickly as possible.
  • Pass the preloaded data to the component. If the component is ready — the React.lazy dynamic import has completed — the component will render and try to access its data. If not, React.lazy will suspend until the code is ready.

This approach can be generalized to other data-fetching solutions. An app that uses REST might define a route like this:

// PostRoute.js (REST version)

// Manually written logic for loading the data for the component
import PostData from './Post.data';

const PostRoute = {
  // a matching expression for which paths to handle
  path: '/post/:id',

  // what component to render for this route
  component: React.lazy(() => import('./Post')),

  // data to load for this route, as function of the route
  // parameters
  prepare: routeParams => {
    const postData = preloadRestEndpoint(
      PostData.endpointUrl, 
      {
        postId: routeParams.id,
      },
    );
    return { postData };
  },
};

export default PostRoute;

This same approach can be employed not just for routing, but in other places where we show content lazily or based on user interaction. For example, a tab component could eagerly load the first tab’s code and data, and then use the same pattern as above to load the code and data for other tabs in the tab-change event handler. A component that displays a modal could preload the code and data for the modal in the click handler that triggers opening the modal, and so on.

Once we’ve implemented the ability to start loading code and data for a view independently, we have the option to go one step further. Consider a <Link to={path} /> component that links to a route. If the user hovers over that link, there’s a reasonable chance they’ll click it. And if they press the mouse down, there’s an even better chance that they’ll complete the click. If we can load code and data for a view after the user clicks, we can also start that work before they click, getting a head start on preparing the view.

Best of all, we can centralize that logic in a few key places — a router or core UI components — and get any performance benefits automatically throughout our app. Of course preloading isn’t always beneficial. It’s something an application would tune based on the user’s device or network speed to avoid eating up user’s data plans. But the pattern here makes it easier to centralize the implementation of preloading and the decision of whether to enable it or not.

Load Data Incrementally

The above patterns — parallel data/view trees and fetching in event handlers — let us start loading all the data for a view earlier. But we still want to be able to show more important parts of the view without waiting for all of our data. At Facebook we’ve implemented support for this in GraphQL and Relay in the form of some new GraphQL directives (annotations that affect how/when data is delivered, but not what data). These new directives, called @defer and @stream, allow us to retrieve data incrementally. For example, consider our <Post> component from above. We want to show the body without waiting for the comments to be ready. We can achieve this with @defer and <Suspense>:

// Post.js
function Post(props) {
  const postData = useFragment(graphql`
    fragment PostData on Post {
      author
      title

      # fetch data for the comments, but don't block on it being ready
      ...CommentList @defer
    }
  `, props.post);

  return (
    <div>
      <h1>{postData.title}</h1>
      <h2>by {postData.author}</h2>
      {/* @defer pairs naturally with <Suspense> to make the UI non-blocking too */}
      <Suspense fallback={<Spinner/>}>
        <CommentList post={postData} />
      </Suspense>
    </div>
  );
}

Here, our GraphQL server will stream back the results, first returning the author and title fields and then returning the comment data when it’s ready. We wrap <CommentList> in a <Suspense> boundary so that we can render the post body before <CommentList> and its data are ready. This same pattern can be applied to other frameworks as well. For example, apps that call a REST API might make parallel requests to fetch the body and comments data for a post to avoid blocking on all the data being ready.

Treat Code Like Data

But there’s one thing that’s still missing. We’ve shown how to preload data for a route — but what about code? The example above cheated a bit and used React.lazy. However, React.lazy is, as the name implies, lazy. It won’t start downloading code until the lazy component is actually rendered — it’s “fetch-on-render” for code!

To solve this, the React team is considering APIs that would allow bundle splitting and eager preloading for code as well. That would allow a user to pass some form of lazy component to a router, and for the router to trigger loading the code alongside its data as early as possible.

Putting It All Together

To recap, achieving a great loading experience means that we need to start loading code and data as early as possible, but without waiting for all of it to be ready. Parallel data and view trees allow us to load the data for a view in parallel with loading the view (code) itself. Fetching in an event handler means we can start loading data as early as possible, and even optimistically preload a view when we have enough confidence that a user will navigate to it. Loading data incrementally allows us to load important data earlier without delaying the fetching of less important data. And treating code as data — and preloading it with similar APIs — allows us to load it earlier too.

Using These Patterns

These patterns aren’t just ideas — we’ve implemented them in Relay Hooks and are using them in production throughout the new facebook.com (which is currently in beta testing). If you’re interested in using or learning more about these patterns, here are some resources:

  • The React Concurrent docs explore how to use Concurrent Mode and Suspense and go into more detail about many of these patterns. It’s a great resource to learn more about the APIs and use-cases they support.
  • The experimental release of Relay Hooks implements the patterns described here.
  • We’ve implemented two similar example apps that demonstrate these concepts:

    • The Relay Hooks example app uses GitHub’s public GraphQL API to implement a simple issue tracker app. It includes nested route support with code and data preloading. The code is fully commented — we encourage cloning the repo, running the app locally, and exploring how it works.
    • We also have a non-GraphQL version of the app that demonstrates how these concepts can be applied to other data-fetching libraries.

While the APIs around Concurrent Mode and Suspense are still experimental, we’re confident that the ideas in this post are proven by practice. However, we understand that Relay and GraphQL aren’t the right fit for everyone. That’s ok! We’re actively exploring how to generalize these patterns to approaches such as REST, and are exploring ideas for a more generic (ie non-GraphQL) API for composing a tree of data dependencies. In the meantime, we’re excited to see what new libraries will emerge that implement the patterns described in this post to make it easier to build great, fast user experiences.




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An interview with Ruby ETL expert Thibaut Barrère

#499 — April 30, 2020

Read on the Web

???? Occasionally we run interviews in Ruby Weekly and we're back with another one.. with long time Rubyist and Kiba maintainer, Thibaut Barrère. Be sure to check out the bottom of this issue to read it, especially if you ever run ETL jobs with Ruby! ????

Ruby Weekly

▶  Let's Build a Twitter Clone in 10 Minutes with Rails, CableReady, and StimulusReflex — You know that cloning Twitter in 10 minutes is impossible, but what about the core mechanism of the idea? After a slow first minute, this video does a pretty good job of showing off some techniques you might not have used before.

Nate Hopkins

discuss.rubyonrails: The Rails Project Discussion Forum — Basically a Web version of the Rails mailing lists and a worthwhile place to head if you want to suggest features, ask questions, etc.

Ruby on Rails Discussions

Easy Rails Deployments — Deploy your Ruby, Rails, Sinatra, and Rack application to any cloud or server. Cloud 66 offers a scalable Heroku alternative that doesn't lock you in. Try it free and get extra $66 free credits with the code: 'Ruby-Weekly'.

Cloud 66 sponsor

sequel-activerecord-adapter: Allows Sequel to Reuse an ActiveRecord Connection — If you want to use more Sequel or migrate in that direction, this makes it easy.

Janko Marohnić

Ruby Adds Experimental Support for 'End-Less' Method Definitions — We’ve touched on this in a previous issue, but if you fancy a proper blog post with examples, this is more accessible than digging through feature tracker discussions. I’m not a fan of this syntax myself yet, but Prateek does a good job of selling it.

Prateek Choudhary

CableReady: Trigger Client-Side DOM Changes from Server-Side Ruby — If you skipped the video above because it’s a video (and I know many of you do ????) CableReady is still worth checking out. It aims to “complete the ActionCable story” by providing a way to directly interact with clients over ActionCable WebSockets. The docs will help you get the idea.

Hopsoft

???? Jobs

Find a Job Through Vettery — Vettery specializes in tech roles and is completely free for job seekers. Create a profile to get started.

Vettery

Security Engineer (Remote) — Are you an engineer with experience in Rails and/or Go? Join our team and help secure our apps and cloud infrastructure.

Shogun

ℹ️ Interested in running a job listing in Ruby Weekly? There's more info here.

???? Articles & Tutorials

A Practical Use for PStorePStore is one of the older parts of Ruby’s stdlib and lets you persist (and restore) a Ruby hash to disk. I haven’t seen it in Ruby code for years but Arkency have found a neat, modern use case.

Paweł Pacana

▶  Drag and Drop Sortable Lists with Rails and Stimulus JS — How to wire up drag and drop lists with a Rails app using Sortable, Stimulus and acts_as_list.

Go Rails

Setting Up Multi-Factor Authentication for RubyGems.org — If you’re a registered user of the official Ruby Gems repository, you should have had an email this week about securing your account using 2FA. This is just my own reminder that this is a good idea especially if you publicly publish widely used gems! :-)

Rubygems.org

Let’s Explore Big-O Notation With Ruby ???? — Learn to use Big-O to look at an algorithm and easily discern its efficiency, without having to run a profiling tool.

Honeybadger sponsor

▶  Discussing Docker and Kubernetes with Kelsey Hightower — A worthwhile show to listen to if Kubernetes and Docker intimidate you but you want to know a little more. Kelsey is good at breaking these things down into understandable pieces.

Rails with Jason Podcast podcast

Rails System Tests in Docker — We’re seeing an uptick in articles about system tests in Rails. Here’s how to integrate them into your development Docker setup.

Hint.io

The Difference Between System Specs and Feature Specs — If you’ve felt the difference between RSpec’s “feature specs” and “system specs” is quite subtle, this explanation will help.

Jason Swett

Why Rubyists Should Consider Learning Go — If you want compilation and a type system, Crystal is probably a better fit for Rubyists, but Go is undoubtedly a neat language and ecosystem (and if you do end up in the Go world, check out our Go weekly! ????)

Ayooluwa Isaiah

Building a Ruby CLI with Thor

Daniel Gómez

???? Code and Tools

git curate: Peruse and Delete git Branches Ergonomically — Got a repo cluttered with branches here and there? git curate aims to cure the pains of getting those branches back under control.

Matt Harvey

MessageBus: A Reliable and Robust Messaging Bus for Ruby and Rack

Sam Saffron

Are You Spending Too Much on Heroku?

Rails Autoscale sponsor

bootstrap_form: A Rails Form Builder for Bootstrap v4-Style Forms

Bootstrap Ruby

ActiveModelAttributes: The Active Record Attributes API, but for Active Model — Brings some of the goodies of the Rails 5 Active Record attributes API to ActiveModel too. 1.6.0 just dropped.

Karol Galanciak

???? A Q&A with…
Thibaut Barrère
Creator of Kiba ETL

Thibaut Barrère is a long-time Rubyist and data engineer who built and maintains the popular Extract, Transform, and Load (ETL) framework Kiba. We asked him some questions about his work:

What inspired you to create Kiba?

A lot of my work since ~2005 has been focused on data integration (making systems speak together), data aggregation etc. I sometimes used GUI-based tools like Microsoft SSIS which, while powerful, are quite far from the coding experience.

I was already using Ruby at that time, and was happy to discover activewarehouse-etl (maintained by Anthony Eden, who runs DNSimple now) providing a Ruby DSL to declare data pipelines. I used it for a while with very good success to implement data extractions and business intelligence ETL, and ultimately took over the maintenance.

In the long run, though (as I explained in a recent Paris.rb talk), the balance between the the cost of OSS maintenance and the usability for my billable and non-billable use-cases proved to be not good enough, which made me decide to stop the maintenance, sadly.

I still wanted to use Ruby to write data pipelines, but I needed to cover more use-cases and reduce the OSS maintenance burden at the same time. This ultimately led me to write and share (in 2015) Kiba ETL, a focused DSL for declarative processing, matching those criterias.

Do you find yourself adding more features while in quarantine?

Before the quarantine, I directed my Kiba bandwith and focus on finalizing Kiba v3 and rewriting the documentation from scratch, to properly encourage best practices I’ve been discovering. I also created experimental branches for Ruby 2.7/2.8 keywords.

During the quarantine, I've reduced client work and OSS work too, to focus on shipping Kiba Pro v2 (which I’ll announce shortly officially). I’ve extracted and generalized (from real-life projects) very useful components, such as a “batch SQL lookup” (useful when replacing relationships keys during data migrations and datawarehouses sync code, in batch rather than row by row), a “file lock” to ensure a single job runs at once, and a “parallel transform” to achieve easy concurrency for things like HTTP queries.

What's the wildest ETL that you've encountered?

Getting the data out of a system which is actively not acting in that direction is always a bit wild.. One can see all types of fancy stuff on the field. For instance, it is not uncommon to have an ETL process start a headless browser, jump through pages, just to get to the CSV/PDF/Excel file that you will then use as your data source!

You can also end up having to figure out ways to read or write very old file formats at times. Recently I wrote a Kiba component to generate a COBOL delimited file, for instance. In large companies, a very widely used I/O is good old SFTP, far away from modern APIs and formats.

Can you tell us how to say your last name? ????

I had to deploy a page to my blog to answer that question properly ????. You’ll find out how to say my name here.

Merci Thibaut!

You can read some of Thibaut's posts on his blog and find out more about Kiba ETL here.




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Coronavirus: The unexpected items deemed 'essential'

Cheese shops and gun stores are among the services still open in locked down places around the world.




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Dalian youngsters enjoy thrilling Wanda FIFA Flag Bearer experience




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England expects after Young Lions roar in 2017

With England's amazing 2017 drawing to a close, FIFA headed to the Three Lions' national football centre at St George's Park to talk to their two World Cup-winning managers from this calendar year: U-20 coach Paul Simpson and U-17 coach Steve Cooper.




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Socceroos living up to high expectations

Since joining the Asian federation, Australia have gone from strength to strength. Their current team talk about qualifying for the 2017 FIFA Confederations Cup and putting themselves on course for the 2018 FIFA World Cup.




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Low eager to experience Russia

2014 FIFA World Cup winning coach Joachim Low discusses the importance of attending the FIFA Confederations Cup for Russia 2018's World Cup hopefuls.




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Osorio expects dynamic Mexico in Russia

El Tri coach Juan Carlos Osorio talks about the expectations and preparations for the CONCACAF champions ahead of the FIFA Confederations Cup Russia 2017.




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Lethal levels of heat and humidity are gripping global ‘hot spots’ sooner than expected

New study finds a growing number of places with intolerable conditions




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Vicky Kaushal: I have experienced sleep paralysis

Actor Vicky Kaushal feels the phenomenon of sleep paralysis is scary. On Instagram, Vicky recently conducted an interactive session with fans. When a user asked him if he has ever seen a ghost in real life, Vicky opened up on the subject of sleep paralysis.

"I have experienced sleep paralysis couple of times. It's damn scary," he wrote. Sleep paralysis is a medical condition where a person, on waking up from sleep, experiences temporary inability to move or speak.

The actor also shared that he is scared of watching horror films. Incidentally, he recently starred in the horror film, "Bhoot Part One: The Haunted Ship". The film performed below expectations.

Vicky will next be seen in Shoojit Sircar's "Sardar Udham Singh". He has also signed Meghna Gulzar's film biopic of Field Marshal Sam Manekshaw. He will be essaying the title roles in both films.

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World Hypertension Day: Expert tips on dealing with hypertension effectively


Representational Image

50 percent of people between the age of 60 to 69 years suffer from hypertension. This statistic only worsens as a person grows older reaching about 75 percent in those over the age of 70. In fact, the lifetime risk of developing hypertension is approximately 90 percent for men and women who were non-hypertensive at 55 or 65 years respectively – making hypertension a condition that requires our immediate attention.

While the condition affects one’s whole body, your heart is one organ that takes the worst beating. Dr Santosh Kumar Dora, Senior Cardiologist, Asian Heart Institute tells you how hypertension affects your heart and what you can do to deal with the condition.

How does hypertension affect your heart?

  • It can result in hardening and thickening of the heart arteries, leading to their narrowing and causing the heart to receive less blood supply.
  • It can also cause a heart attack. In fact, persons who present with an acute heart attack often have preexisting hypertension that evaded detection and treatment.
  • It can cause abnormal thickening of heart muscle, the presence of which is a strong predictor of future cardiovascular death.
  • High blood pressure puts more load on the heart and increases the amount of work that the heart has to do.

Eating right

Eating a heart-healthy diet is important for managing your blood pressure and reducing your risk of heart attack, heart disease, stroke and other diseases. Aim to eat a diet that's rich in fruits, vegetables, whole grain and high fibre foods, fat-free and low fat or 1 % dairy products etc. Avoid saturated and trans fats, excess salt and added sugar in your diet. DASH (Dietary approach to stop hypertension) diet pattern which contains low sodium, high potassium and rich in fruits and vegetables reduces by an average of 5.5 mm Hg for systolic and 3 mm Hg for diastolic blood pressure. For hypertensive patients, the reduction is 11.4 mm Hg for systolic and 5.5 for diastolic blood pressure. Low salt (< 1500 mg/day) further potentiates the reduction of blood pressure.

Maintain a healthy weight:

As your body weight increases, your blood pressure can rise. In fact, being overweight can make you more likely to develop high blood pressure than if you are at your desirable weight. You can reduce your risk of high blood pressure by losing weight. Even small amounts of weight loss can make a big difference in helping to prevent and treat high blood pressure. Studies conducted in obese hypertensive patients show a decrease in body weight by 1 kg resulted in a reduction of systolic and diastolic pressure by 1.2 and 1.0 mmHg, respectively.

Be physically active:

Physical activity not only helps control your blood pressure, it also helps you manage your weight, strengthen your heart and manage your stress level.

Even moderately intense physical activity, such as brisk walking, is beneficial when done regularly for a total of 30 minutes or longer at least 5 days a week. Hiking or stair-climbing, jogging, running, bicycling, swimming, fitness classes, team sports, dance classes are some of the activities which can help you stay fit. Studies say that regular dynamic physical exercise for at least 30 minutes daily for most days of a week leads to 5 to 9 mm Hg reduction of systolic blood pressure.

Say no to tobacco:

While smoking has not been conclusively proven to cause high blood pressure, each cigarette you smoke temporarily increases your blood pressure for many minutes after you finish. For your overall health and to reduce your risk of heart attack and stroke, avoid all forms of tobacco as well as secondhand smoke. A study has shown that smoking cessation leads to a reduction of systolic blood pressure by 3.5 mm Hg and diastolic blood pressure by 1.9 mm Hg.

Avoid drinking:

Drinking too much alcohol can raise blood pressure to unhealthy levels. Having more than three drinks in one sitting temporarily increases your blood pressure, but repeated binge drinking can lead to long-term increases. If you have high blood pressure, avoid alcohol or drink alcohol only in moderation.

Also read: World Hypertension Day: Why And How You Should Reduce Your Salt Intake

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Expert lists down the side effects of losing weight too fast

A slow and steady weight loss plan is always a good idea, but losing weight too fast means putting your health at a risk which can lead to severe issues. So, be wise about undertaking excessive exercising or going for a crash diet. Pooja Chaudhary, wellness consultant, Healthians, an online diagnostic center that offers at-home services, lists down the common factors to take care of during a weight loss regime:

Losing weight around 0.45 kg-0.9 kg per week is a safe bet. But losing more than that can be considered as rapid weight loss which can have an impact on the health. At the start of exercise plan or diet plan, people witness a sudden weight loss of 2-3 kg. This is actually the water weight.

Angeli Misra, Co-founder of Lifeline Laboratory, lists down a few side effects of losing weight too fast:

1. It could damage your liver: Alcohol is not the only factor that puts you at a risk of developing a fatty liver. Sometimes following a surgery to reduce weight can also affect your liver.

2. Loose skin: Rapid weight loss leads to loose skin as skin loses elasticity.

3. It may slow down your metabolism: Excess of everything is bad. Excessive exercises and crash dieting can slow down your metabolism as you easily and soon get tired. Due to that your body works slow and you feel a sense of fatigue.

4. Other side effects: Losing weight fast by doing excessive exercise, swimming and crash diet may be linked to several other side effects like hunger, fatigue, irritability, muscle cramps, dizziness, constipation or diarrhea.

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Mild tremors experienced in Palghar district

Thane: Tremors measuring 3.1 on the Richter scale were experienced at around 1:38 am on Sunday in Dundalwadi village in Dahanu area of neighbouring Palghar district, a civic official said.

District Disaster Control Officer Vivekananad Kadam said no damage was reported. Earlier, on November 24 and November 3, tremors of the magnitude of 3.3 on the Richter scale shook Dahanu and Talasari talukas.

Civic officials said that quake-preparedness training programmes were held for villagers between November 26-29 in two talukas of Palghar district.

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





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Experience flight of poetry with this Bengaluru psychaedelic rock band

Parvaaz, a four-member outfit, believes in spreading the message of peace through their progressive rock music with guitar-driven compositions. With their Urdu lyrics and the familiar sound of chimes, the soundscape is a refreshing change. Now, they are back in the city for a gig that promises to be about the coming together of western guitar techniques and Indian elements, making them one among a handful of true-blue fusion indie bands today.

Parvaaz, which translates to "flight", came together in 2010 when childhood friends Khalid Ahmed and Mir Kashif Iqbal (both on vocals and guitar), reconnected in Bengaluru over their shared love for blues rock melodies, and were joined by Sachin Banandur (drums and percussions) and Fidel D'Souza (bass). But they only started developing their own sound two years later. "We were playing at competitions and winning, which was a great boost. We felt confident enough to make original music, and our sound shifted towards progressive and classic rock of the '60s and '70s," says Ahmed, quoting Pink Floyd, Led Zeppelin, The Doors, and Indian Ocean and Avial, as their influences.

It was a process of trial and error till they found the best way to let all their individual influences flow while jamming, which is when the Urdu lyrics also came in, the natural form of communication for two members at least. "Hindi and Urdu come naturally to us. Singing in English would have just not flowed with the music. Besides, the sound of the fusion that comes out of a merging of different styles of music is what our goal has been. It is the sound that guides most of our writing," says Ahmed.

Their lyrics primarily talk about the human nature and comprise metaphorical poetry, like their song Beparwah, which talks about man's dependence on materialistic objects, and Shaad, which is about loss and regret.


Khalid Ahmed

But lyrics are the last thing that get added onto their music, and that too if they deem it necessary. "A lot of our jams just end up being instrumental, and hence our seven minute-long songs," reasons Ahmed.

They will also be playing some new songs from their upcoming album that they have been putting together for four years, and will be releasing later this year. For fans who like to sing along, they will also perform songs from their first EP and debut album, including Ziyankar and the achingly serene Itne Arse Ke Baad, which echoes a longing to go back home. Home, for Ahmed and Iqbal, is a sensitive issue now, since both hail from Kashmir, which is still trying to heal from the Pulwama attack. Both were reluctant to comment, and as they say, prefer to let their music do the talking.

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Paytm introduces 'My Payments' feature, automates monthly expenses


One97 Communications Limited, the firm that owns digital payment major, Paytm, announced the unification of bank transfers for its customers with the new 'My Payments' feature on its app.

This will enable Paytm users to make recurring, high-value payment and other monthly expenses in an instant. Using the Paytm app, bank transfers can be done from and to any bank account, making it easier for customers to make payments at zero charge, a facility which even non-KYC Paytm users can avail.

With this new addition to its multilingual app, Paytm is aiming to process Rs 60,000 crore in monthly bank transfers alone by the end of this year. The company is also planning to invest Rs. 5000 crore in its core business, expecting to increase the number of transactions from one billion to two billion this year.

"We have now simplified these payments with 'My Payments' and are expecting six-fold growth owing to this rapid shift in consumer behavior in favor of going cashless. Our users understand that Paytm is more than just a digital wallet company and we will continue adding more such customer-centric features while educating users about the convenience they can experience by using Paytm every day," said Paytm Senior Vice President, Deepak Abbot.

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Here's what to expect from journey to Kedarnath


A result of the 2013 floods, which wreaked havoc and killed thousands of people, is that the river Mandakini, which passes the temple area disappears after a stretch

I happily strut on through the Gaurikund market where vendors pour hot chai and roll parathas for eager yatris freezing under their overalls. It is April 29, the first darshan of the season. I have set out at 4.45 am, dodging horses and men wearing pithoo baskets ready to carry pilgrims to the top. I am in the company of a rishi, who grins at my woollens. "It is going to be sunny today," she says, wrapping a rice-paper thin shawl over her white skirt and blouse.


The path is peppered with signboards advising yatris to check their pace

Trek record
A cobbled path begins where the kaccha road ends. A green signboard reads: Kedarnath 16 km. The 2013 flood washed away the old route. Uttarkashi's Nehru Institute of Mountaineering re-charted the route via Gaurikund and passing Jungle Chatti Bheembali and Linchauli to reach the basecamp. Then, another kilometre leads to the temple. Rain shelters, medical camps, bio toilets and potable water fountains appear frequently.


The path has toilets and food stalls and medical camps are regular intervals

When the going gets tough
Uphill, at gradient 8, I set a steady pace, holding onto an orange railing; matching the sparse spotting of crimson-red Buransh flowers in an otherwise green flora valley. The gushing of a waterfall and a dawn in the breaking lend a quietude broken by enthusiastic cries of "Jai Bhole!" and "Har Har Mahadev!". I stop at each signboard that advises walkers to take regular breaks. An hour of evening walk in the city, I realised, was not enough training to adjust to the thin air quality and keep the body supple.


The flood had washed away the old route

Giving up is easy
Ahead of me, a couple plonks onto a bench. "Aur kitna dur hai," the wife asks. A sweeper, cleaning the tracks, laughs, "Bas che ghante chalte jao. Upar mat dekho (Keep walking continuously for six hours. Don't look up to see how far it is)." By now, I have lost sight of my 58-year-old companion, who has kept a steady lead.
I stare at the green board that reads 14 km, the time is 5.30 am. A tendency to get cramps on my right leg, I am surprised it hasn't revolted yet. But there's a sharp pull in my thigh, a new pain on this new adventure. I think to myself: "Why did I sign up for this? Turn back. Just turn back." Probably from the distress look on my face, a woman on horseback sees me and screams from afar: "Don't give up. You will make it."

The tough get going
This is my first victory. To turn a deaf ear to my feet's pleads. By the time I make it to Bheembali, the road steepens. People who have finished their darshan shower encouraging words and promise the ever-winding road will smoothen. By the time I reach Kedarnath basecamp, the clouds have covered the peaks, and there's a light rain splatter. I follow a group through steep patches that help you cut the road time. Sometimes, I find myself on all fours, holding onto branches. My inspiration pool is slowly evaporating.

Miracles find you
In that moment, the clouds clear and the snow peaks make an appearance. It fills me with gratitude — for everything that is right and wrong in my life. The walk down to the confluence of the Mandakini and Saraswati and dip my hands in the icy cold water. I skip the line to the temple, bow to the dhwaj on the temple and turn around for the road downhill.

A walk to remember
The rains have washed the muddy road and turned it into a sludge fest. I follow a couple and their son down a 'short cut' which catches me off-guard. It is open to the valley, and one wrong step will have me tumbling down. This descent is long but we walk it with a joyous gait. The burden was my own uphill, but now, it is ours to share.

8
No. of hours it takes in a state-run bus from Rishikesh to Sonprayag

Adventure & Religious
Tour & taste
Food and Leisure
Relaxing
Educational





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Experts list seven best summer fashion trends that you must look out for

Shades of red, bordeaux, pink and yellow are the key emanating colours this summer. Along with these colours, core summer essentials like white and blue also build foundations of the wardrobe. Prernaa Lohiya, Marketing Manager, French Connection, and Samantha Chilton, Head of Design KOOVS, have listed seven best summer fashion trends you must look out for. 

1. Fun and message-driven slogan T-shirts: Fun and message-driven slogan T-shirts that speak your mind, some core checkered shirts and athleisure inspired look for men are big this season. For women, soft florals and fashion infused athleisure is here to stay.

2. Side-striped bottoms and popper pants: Some of the other trends this season include side striped bottoms and popper pants.

3. Summer dresses in pastel shades: For a more ethereal look, you can choose pretty summer dresses in pastel hues as well.

4. Florals, solids, and patterns in green: The new hot colour for the summer is green and this can be seen in the form of florals, solids and patterns.

5. Bohemian grunge: It is also that time of the season when Bohemian grunge and festival dressing is popular including details like studding, lace inserts and broderie.

6. Neon camo and digital oversized sleeveless shirts for men: Men can add an element of exploration, with utility and military accents. Also this season it's all about the prints; from contrasting resort florals to neon camo and digital oversized sleeveless shirts.

7. Embroidered denim jacket: For layering, denim works wonders in summer and one can pick an embroidered denim jacket to layer a look with clean slip ons.

This summer, let your clothes speak your mind and add bright hues to your wardrobe to make a fashionable statement, say experts.

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

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Experts explain how to deal with post-partum blues for new mothers


Kylie Jenner on vacation with her daughter Stormi. pic courtesy/ instagram.com/kylie jenner

Last month, social media star Kylie Jenner was severely mom-shamed by keyboard warriors for heading to a music festival without her infant daughter, Stormi. While Internet trolls are no experts, what exactly does it take to form a bond with your baby?

“Fundamental human nature includes adapting to changes. For a woman to transition into motherhood is common, nevertheless, it’s not a cakewalk. Many women experience post-partum blues for about two weeks after delivery. Should it extend beyond this period, it could be a sign of a post-partum disorder. Therefore, we need to build a society that accepts and understands the plethora of emotions that a new mother experiences,” says Maithili Thanawala Kanabar, counselling psychologist.


Dr. Bindu KS

Here’s our primer on how to face up to it, and move on.

1. Return to working out
“The body needs six weeks to heal — whether it’s a natural birth, caesarean or an episiotomy [which involves a vaginal cut]. The body’s physiology gets back to normal in six weeks, the uterus comes back to shape and body fluids return to normalcy. Whether a housewife or a working woman, it is advisable that she resumes her fitness regime in six weeks,” says Dr Ranjana Dhanu, consultant, gynaecology and obstetrics, Hinduja Healthcare Surgical. But if you have been regular with your fitness routine before and during your pregnancy, you can even go back to working out within a week if you have had a normal delivery. “Start with light exercises such as stretches and walks,” says Dr Bindhu KS, consultant, gynaecology, Apollo Hospitals, Navi Mumbai. The body, especially the spine, kidneys, heart and lungs and not just the reproductive organs, undergo changes, says Dr Bindhu.

2. Get back to the office
Kanabar explains that there is no “mother manual” that defines the best time for a new mother to dive into a competitive workspace. “Try being around the baby for the first few months. Talk to your baby about beginning work and scaffold it for him/her. If your baby is used to co-sleeping, breastfeeding, and you are finding it difficult to wean him/her off, they may take some time to get used to your absence,” says Kanabar. Unfortunately, not many companies in India have a full-time crèche facility. “Indian companies must make it mandatory to have a full-time crèche at the workplace. This will increase the overall efficiency of working women, especially when it comes to the corporate workplace,”
believes Dr Dhanu.


Dr Ranjana Dhanu

“Almost all companies have a six-month maternity leave policy. The key is to strike a balance between motherhood and work,” says Dr Bindhu. If it gets overwhelming, Kanabar suggests reaching out to your support system. However, she warns that it is imperative for mothers to remember to not board the overcompensating train, which might drive one to overdo things and become more lenient.

3. Take a break
“Any wound takes six weeks to heal and it heals well in this period for any kind of birth. Hardcore physical or adventure activities are absolutely safe after six weeks. All the medical textbooks say that the body needs to resume some kind of exercise or physical activity post six weeks of delivery. If you can afford it, take a nanny along,” suggests Dr Dhanu.

4. Slip into a chic mode
Be it exercising or getting your glam on, pursuing something that makes you look and feel good is a good way to boost your morale. “Me-time is viewed as a selfish concept while in reality, it is a safe space that every human needs to visit to rejuvenate,” says Kanabar. It is the quality of time spent with the baby that matters.
Dr Bindhu adds that people also spend only two to three hours with their child but that does not mean there is no bonding.


Maithili Thanawala Kanabar

Mother, baby and attachment

Some studies suggest that the first three months are the most crucial. Infants develop representations of attachments based on the bond with the primary caregiver. Pioneering British psychiatrist John Bowlby suggested that this attachment acts as a prototype for their future relationships and psychological health.

An infant communicates in rudimental ways and attending to those needs reinforces the infant’s sense of security. It is essential that the mother is attentive and spends quality time with the infant, but there is no need to spend every breathing moment with them. Comforting, breastfeeding on time (or feeding the baby yourself), and communicating with the baby leads to a secure attachment.

Usually, securely attached babies cry when the mother leaves and allow the mother to comfort them when she returns. Every baby responds differently. Remain receptive to the baby’s needs and spend quality time without distractions.

Watch for signs like how the baby responds when you return after a brief absence. Most would allow you to comfort them and look at you when they are inching towards exploring something new. And lastly, mum knows best. So look out for every sign.

Mandira Bedi with her son Veer, who is six today. pic courtesy/jitu savlani

I was fit when I was pregnant. After birth, I had to wait for 40 days before I could exercise again. On the 41st day, I stepped out for my first walk. It was pouring at the time but I had decided that come rain or storm, I will go for it. Later, I started jogging, moved to gymming and lifting weights. I had gained 22kg and was able to return to my pre-pregnancy weight in six months. I had serious post-partum depression that lasted for those 40 days. My depression disappeared after I started exercising. I had a baby pretty late in my life [at 39]. I didn’t fall in love with him at first sight. I wondered, ‘This is the end of my freedom. Will I get work after this?’. It was overwhelming. It’s important to be aware that what’s going on with you is normal and okay. But in that period of 40 days I eventually fell in love with him. Giving birth to him is the best thing I have done. But motherhood is not the only thing that defines me. I am hands-on, but I think you can be a better mother if you are not thinking about it 24/7. That little time for you is crucial. The rule in our house is either parent has to be there at home, always. Working out has less to do for me physically than what it does for me mentally.

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How to manage your expenses so you are never broke

Representational picture

Are you someone that likes living life on the edge, from salary to salary, buying something as and when you set eyes on it, without worrying about your savings, and a "dekha jayega" attitude? That may seem cool -- but it's also a short cut to financial disaster. Walnut App CEO and Co-Founder Patanjali Somayaji lists five ways to ensure you don't go broke. Ever.

Download a money management app to track your expenses
If you have never been the type to track your expenses, now is a good time to start. You can download an app that tracks your spends and set a budget, keep a watch on your upcoming credit card and utility bill payments, as well as see how much you owe or have to get from others. This is the first step to getting your finances streamlined.

Make a plan and set goals for yourself
Set short-term (a few months ahead) and long-term (a year and beyond) goals. It could be anything from taking up a new hobby like learning the guitar, to buying a new phone/laptop/camera, getting married, buying a new house or being debt-free by a certain date, and so on. Based on the plan, break it down into quarterly and monthly goals so you know how much to save, how much is safe to spend and so on. Having a plan will give you an overview and much better control of your finances.

Set up an emergency fund
Once you're tracking your spends and have set goals, you know how much money you need to allocate to each of them. You would also get an estimate of your spending pattern and expenses for each month. Based on this, have an emergency fund in place that will take care of at least 6-8 months' worth of living expenses so that in case of a mishap or a loss of job, you don't go broke, and have something to fall back on. You can set it up so that a certain percentage of your salary/income each month is automatically transferred to this fund. It could be in a different bank account, a fixed deposit, or even a liquid fund -- and most importantly, it should be accessible easily and quickly when needed urgently.

Set limits for your spend categories
Take a look at your spends in greater detail to understand where the money goes each month. Assign limits to each of these categories for the month and see how you're doing at the end of the month. This will give you an idea of your lifestyle and if you're spending more than you earn, as well as where you can cut down on unnecessary spends.

Stay debt-free
Credit cards can be extremely useful -- for regular spends as well as during emergencies, and over time, with a good payment history, can boost your credit score too. However, if you're the type of person who cannot pay off credit card bills in full each month or who just pays the minimum amount due, stick to using your debit card or cash, or even a Line of Credit, which has a lower interest rate. Revolving credit on a credit card can be dangerous for your finances, and it can take you several years to repay the entire outstanding amount.

There will always be changes in situations, your current needs and requirements as well as your cash flow, so every 3-6 months, you should re-look at your plan and goals, and modify as needed to stay on top of your finances.

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





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Colleges to soon require one MMC expert on panel probing negligence

Soon, medical colleges might have to keep one expert from the Maharashtra Medical Council (MMC) to address cases of medical negligence.

MMC wrote to the Directorate of Medical Education and Research (DMER) earlier this month, asking them to implement this across the state. "We have written to DMER, asking them to introduce one council member on the expert panel investigating medical negligence cases in medical colleges. This would help in bringing more transparency and better judgment of orders," said Shivkumar Utture, president of MMC.

Dr TP Lahane, director, DMER confirmed receiving the request, "The proposal is extremely welcoming but before coming to a conclusion, we need to discuss it with the council members." So far, around 500 cases of medical negligence or issues regarding treatment are still pending with the council.

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Elections 2019: Mumbaikars took to Twitter to share voting experience

An average 18.39 per cent voter turnout was recorded in the first four hours in Maharashtra's 17 seats on Monday as polling for the fourth and last phase of Lok Sabha elections in the state was underway. Polling began at 7 am and long queues were seen outside many booths, some of which were decorated with balloons and 'rangolis'.

Mumbaikars took to the social media platform and posted their voting experience on Twitter. As many as 3.11 crore voters spread across the Mumbai metropolitan region and northern and western Maharashtra are eligible to exercise their franchise to decide the fate of 323 candidates in the fray in these 17 seats. Around 40 polling booths in these constituencies, including 26 in suburban Mumbai, are being managed by women.

The voting figures till 11 am in other constituencies are as follows: Dhule- 18.26 per cent, Dindori - 21.06 per cent, Nashik- 17.22 per cent, Palghar- 21.46 per cent, Bhiwandi- 17.25 per cent, Thane-17.43 per cent, Mumbai-North- 19.46 per cent, Mumbai-North West 17.64 per cent, Mumbai-North East-18.39 per cent, Mumbai-North Central- 16.21 per cent, Mumbai-South Central-16.80 per cent, Mumbai- South 15.51 per cent, Maval- 18.23 per cent, Shirur- 18.65 per cent and Shirdi 20.55 per cent.

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Total Dhamaal Movie Review: Expectedly: total dumb maal!

Total Dhamaal
U: Action, Adventure, Comedy

Director: Indra Kumar
Cast: Ajay Devgn, Anil Kapoor, Madhuri Dixit Nene, Arshad Warsi, Jaaved Jaaferi, Riteish Deshmukh, Sanjay Mishra
Rating: 

The first thing you notice about this Hindi film (or at least I did) is that it plays with English subtitles. Not that most need it; but great relief, nonetheless. For I had returned from the same Mumbai theatre only the evening before, within the first minute of a Malayalam film (a heavily recommended Kumbalangi Nights), having realised that the pic had no English subs, and people were laughing at jokes (presumably), that I couldn't access.

Would Total Dhamaal, in a language you didn't understand, be watchable still? Technically there is hardly a plot/story. So you'll follow what's going on, regardless. But this is the sort of deliberately-sasta, kaam chalau comedy that works on simplest set-ups, and pay-offs - or punch-lines - that you ought to be in sync with. Some jokes work - at a pure comic timing level. Several don't. But that's really what you walked in for. For the record, the first Dhamaal (2007) had entered theatres hot on the heels of the fab Golmaal (2006), with Arshad Warsi common to both - making the former seem like pretty much a sequel to the latter. Modelled along the lines of the Spencer Tracy epic It's A Mad Mad Mad Mad World (1963), Dhamaal actually had a lot of dhamaal going for it.

Ever since, Golmaal has turned into a four-part, money-spinning franchise (or as Devgn calls it, his "retirement plan"). As have similar all-star comedies from the time - Housefull (the fourth instalment is on its way), Kya Kool Hain Hum (in the screwball, sex-com space), Masti (there've been three so far - directed by Indra Kumar, as well).

This is the third in the Dhamaal series, and as a ride, perhaps mainly intended for kids, if you consider the amount of slapstick (instead of adult) humour, stereotyped 'Madrasi', Bihari, Gujju kinda gags, and tonnes of fine VFX paraphernalia - collapsing bridge, rickety helicopter, cute animals bumbling around in the farm, folk either hanging or flying off ledges… This is besides a lot of self-referential Bollywood one-liners that appear as stuck in time as, of course, the picture itself.

And so the password to open a door is 'one-two ka four; four-two ka one' as Lakhan, or Anil Kapoor, jumps off a wall. 'Ek do teen' as in the Madhuri Dixit Nene song is referred to, since Dixit is in the movie, along with Kapoor. Rohit Shetty is summoned in a line while cars fly. Ajay Devgn is of course the dude. His sidekick, Sanjay Mishra, whose refrain, "Dhondu, just chill," made him a superstar with Shetty's All The Best (2010), a similar mad-cap comedy, gets, "Bro," a new takia-kalaam here.

But my favourite guys in this movie have got to be Adi, and his man-child partner Manav (Arshad Warsi, Jaaved Jaaferi). Glad they've survived the franchise's original line-up (the only ones to, besides the perennial ensemble-com favourite, Riteish Deshmukh).

The entire lot is after a Rs 50 crore booty. All they know is that it's kept at a zoo. And with presumably someone called OK, which is what you must feel like - never mind what happens in the movie thereafter. Anything I say about this expectedly total dumb maal, should be construed as boring old me, coming in the way of your heightened, harebrained entertainment. Already have; read no further!

Also Read: Exclusive: Ajay Devgn on Total Dhamaal: It's very difficult to make people laugh

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Kalank Review: Great cinematic experience, but is it worth a watch?

Kalank
U/A: Action, Drama, History
Director: Abhishek Varman
Cast: Varun Dhawan, Alia Bhatt, Madhuri Dixit, Sanjay Dutt, Sonakshi Sinha and Aditya Roy Kapur
Rating: 

Not one to get wooed by the scale and production value of a film, I can't help but be smitten by the sheer beauty of Abhishek Varman's Kalank. In 2019, when Netflix rules our lives, this film is a rare cinematic experience that blends in opulence, glamour with a solid story about a family torn by its own skeletons in the closet. Star crossed pairs, their infidelities and how it destroys the world around them.

Drawn to forbidden pleasures and immoderate love is Roop, played with heft by Alia Bhatt. Varman's vast screenplay primarily plays off the luminous chemistry between Bhatt and co-star Varun Dhawan. There's a tantalising quality about their pairing and Varman uses this element to full effect. But a lot of the emotions drown in its self imposed ornate design of the film, which gives it a synthetic quality.

Watch the trailer of Kalank here:

So when a feisty Rajputana girl (Alia's Roop) is compelled by circumstances to marry a man (Aditya Roy Kapur's Dev) she can't even recognise in broad daylight, you want to discover more about their faulty dynamics. Or even how a well-educated woman like her, who has opinions strong enough to be voiced in front of an all-male team of writers running a flourishing newspaper, would fall for a visibly dubious man (Varun Dhawan's Zafar) with a promiscuous life. All of this and much more about the period's socio-political submerges beneath Binod Pradhan's gorgeous cinematography. It's almost as if there is a barrier between the audience and the characters - a gulf presumably created because of the director's reluctance to delve deeper into the plot.


Kalank movie poster

It's at the casting department, Varman scores big. Raging with simmering pain, Varun's aching performance beautifully transcends from showing him as a bitter man thirsty for revenge to a kind soul softened by love. Aditya's character has little graph but he adds soul to his act, supported adequately by Sonakshi Sinha who keeps her brief role serene all through. The seniors - Madhuri Dixit and Sanjay Dutt bring their effortless experience in a climactic sequence which packs a punch. Kunal Kemmu's grey part is portrayed with flair.

Also Read: Kalank: Here's everything you should know about the multi-starrer film

By no means is Kalank an unbearable film, despite being nearly 2 hours 48 minutes long. But there is a constant tryst to divert our attention from its storyline; Varman distracts us with his suggestive background scores, special numbers and sometimes even the perfectly created Manish Malhotra costumes. It's also equally problematic that a film set in pre-Partition doesn't stir up much political conversations throughout the narrative. There are stray mentions of their noble intentions but it remains largely detached from the divisive politics of the time it is set in. It also pays a tribute to Sanjay Leela Bhansali's school of filmmaking by borrowing a lot of his trademark sequences (especially Alia's entry which reminds one of Aishwarya's first scene in Hum Dil De Chuke Sanam). Varman's prism is fresh - his women aren't caricatures, his characters aren't perfect. Roop is innately flawed, her decisions are damaging but she fights back for love with all her might. His men aren't all heroic and larger than life; they stumble, are unforgiving and equally faulty.

Watch the video of the Kalank movie review here:

I was reminded of Deepa Mehta's masterpiece - 1947, Earth, rightly melodramatic, potently emotional which walked the tightrope of a love triangle in stormy times in a balanced way. Kalank doesn't aim for that depth. It's content in being pretty even when it has the potential of so much more.

Kalank screening: Janhvi Kapoor, Alia Bhatt, Aditya Roy Kapur attend:

Also Read: Kalank Celeb Review: B-town can't stop praising this period drama

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No new jobs, promotions, extra expenses for state government

In view of the financial hit the state is likely to take owing to the pandemic, the state government has taken several austerity measures.

New schemes, construction, purchases by the state have been barred while new jobs will not be created. Employees will not be transferred and promoted this financial year.

A resolution issued by the chief secretary on Monday said that the current schemes will have to run on 33 per cent grant instead of 100 per cent. Health, medical education, relief and rehabilitation, food and civil supplies departments will get priority in state funding.

'Review schemes'
The departments have been asked to review current schemes and work on them with a limited budget.

However, there will be no cut in essential spendings like salaries and pension payments.

Pending bills to be paid
Buying gizmos, furniture and hiring offices have not been allowed. The expenses on event management have been curtailed. The pending bills will be paid using whatever the finances are available.

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COVID-19 impact: F1's French Grand Prix decision expected in few days

A decision on whether to go ahead with June's French Formula One Grand Prix behind closed doors or to postpone or scrap the event will be made in the coming days, organisers said Tuesday. The grand prix scheduled for June 28 is the first race on the revised Formula One world championship calendar with nine races already scrapped or suspended as a result of the coronavirus pandemic.

Following French President Emmanuel Macron's announcement Monday that the lockdown in France will be extended until May 11 and public gatherings banned until mid-July, a spokesman for the race organisers told AFP that they "have been studying all scenarios" including postponement or staging the event behind closed doors.

F1 sports director Ross Brawn said last week he could envisage the start of the F1 season in Europe in July with a race excluding the public.

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




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Boxing coach Santiago Nieva expects Nat camp next month

Indian boxing's High Performance Director Santiago Nieva expects the national camp to resume at least partially next month and foresees no hiccups in fans rushing back to live sport in the age of social distancing as he feels people always "look for risks". The seasoned coach, who has been with the Indian team since 2017, is quite optimistic of things improving by the beginning of next month despite the rising COVID-19 cases as well as the number of deaths in the country. "I think the camp will restart next month. If not full strength, then at least the core group," he told PTI. The core group comprises the ones who have already qualified for the Olympics and those who are seen to be strong contenders to make the cut in future qualifiers.

Asked what gives him the belief that camps would be good to go if the national lockdown ends on May 3, the Swede said, "That's my hunch. Of course I can be wrong but I think we will be able to restart early next month." "Humans have the ability to adapt to different situations. And I think here, people are facing up to the reality quite well even though it is an unprecedented crisis." Talking of the crisis and its impact on sports, Nieva said things would never be the same again but asserted that people will not give up on live sports either. "In amateur boxing, we are used to fighting in empty halls, so no fan concerns for us," he joked. "But seriously speaking, yes, there will be more restrictions on movement of people, the security is going to be tighter, it won't be that easy to travel. But fans, they are going to rush back at the first opportunity," he predicted. "People don't care. I think they should be more careful but mostly they are not. They will come back easily because they have been confined at homes for too long.

"They like to be risky. You can see it even now. Look at Europe and US, people are just refusing to follow the lockdowns, they are flocking bars, restaurants despite strict measures. You think they will stop once all these restrictions are lifted?" Nieva is currently in Patiala's National Institute of Sports, busy delivering lectures in online classes for coaches by the Sports Authority of India. "The technology has to be better for these classes to have more impact but overall, I think it is the future as far as complementing live training is concerned. Obviously, it cannot replace live training," he said of his experience so far. "It can be a bit disconcerting when you are not able to see the 250 odd people who are listening to you but you get used to it," he added. Asked if boxers have been reaching out to him while being at their respective homes during this period, Nieva said, "Sometimes, not often. They call up to tell if they are struggling with the equipment but overall they have adapted well." "It's not an optimum situation and as I said earlier, we have to face up to the reality," he signed off brushing aside any concerns of his own when quizzed about the considerable time he has spent away from his family in Sweden.

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Indian rowers good but don't expect medal in 2021, says coach Bajrang Lal Takhar

National rowing coach Bajrang Lal Takhar, 39, wants India's ace rowers, Sawarn Singh and Dattu Bhokanal to make the most of the Coronavirus-caused lockdown by working on their mental toughness.

Takhar, the first to win an Asian Games individual gold [Guangzhou 2010], is keen that the duo fine-tune their technique and emerge mentally stronger when the lockdown is over.

"Dattu performed well at the Rio Games in 2016 [finishing 13th in men's single sculls] in his maiden Olympics. Sawarn is also a good rower. My advice to them is to become mentally strong if we want to win at the Olympics. At the top level, there is not much to differentiate in terms of physical fitness. Being mentally strong can make a huge difference. They [Sawarn and Bhokanal] also need to work on their technique," Takhar, who has been guiding the rowers via video conferencing from his hometown in Maganpur, Rajasthan, told mid-day on Monday.

Meanwhile, Takhar urged patience from those expecting a rowing medal at the Tokyo Olympics. "They [Sawarn and Bhokanal] will surely qualify for the Tokyo Games. They will make it to the final as well, but we may have to wait for another Olympics [Paris 2024] to win a medal," felt Takhar.

Sawarn, 30, has won gold in quadruple sculls along with Bhokanal, Om Prakash and Sukhmeet Singh at the 2018 Jakarta Asian Games, while he bagged a bronze in single sculls at the Incheon Games in 2014. Bhokanal, 29, won silver in single sculls at the 2015 Asian Rowing Championships in Beijing.

Takhar has urged the Rowing Federation of India (RFI) to concentrate on rural areas if they wish to tap upcoming talent.

"The RFI needs to search for talent in rural regions. Getting physically strong people is extremely crucial to succeed in rowing. We have worked on certain plans to train aspiring players," he concluded.

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He is so full of energy: Jacqueline Fernandez shares her experience on working with Manoj Bajpayee

Jacqueline is one of the most successful actresses who has given commercially hits as well as some great performances. With every project, the actress has entertained the audiences and will be soon making her digital debut with Mrs. Serial Killer up next.

Stirring things up a bit this time, Jacqueline has opted for a role which is completely opposite of her Miss sunshine avatar, in reel-life with her OTT debut Mrs. Serial Killer which is just a couple of days away from the release. The film is all set to premiere on 1st May.

The actress will be seen alongside celebrated actor Manoj Bajpayee and sharing her experience on working with the actor for the first time, Jacqueline says, "I met him at the shoots in the high altitudes; he is so full of energy and has so may stories to tell you. He is a bit funny as well and that made the shoot worth the while."

Earlier as well the actress had shared how she is a big fan of Manoj Bajpayee's body of work and for her OTT debut grabbed the opportunity to work with him. The actress also loved Manoj's work in 'The Family Man.'

Jacqueline loves to always experiment with her projects and never shies away from trying out something new. Her OTT debut performance is something we are all looking forward to. From the trailer itself, Jacqueline looks extremely promising and we're excited!

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Jacqueline Fernandez expresses her craving to experiment with characters and grow

Jacqueline Fernandez is an actress who has a captivating presence on-screen and the audience is plainly mesmerized to see her play a character. She has an optimistic persona to herself and a charming nature and the combination of both of those things are what make her Bollywood's Miss Sunshine.

This time around she is playing a more distinctive darker shade of a character with her new film Mrs. Serial Killer and Jacqueline shares with the audience how she is glad to be taking a plunge into uncharted waters.

Jacqueline Fernandez shared, "I have got to the point where I don’t care anymore. I realised that if I don’t experiment, I would never be able to grow. Transition is always daunting, as you don’t know if you are making the right moves. But I see Mrs Serial Killer as the start of the next chapter of my career."

The actress is all set for the release of her film and how she chooses to experiment with her characters, shows how she flourishes and nourishes her acting skills.

The actress has molded into the mask of different characters on-screen, which have always left the audience asking for more of her appearance in films.

Mrs. Serial killer is produced as an Original for Netflix and is directed by Shirish Kunder and produced by his wife Farah Khan where the audience will be seeing Jacqueline Fernandez enchanting the audience with her magical performance on screen, alongside Manoj Bajpayee and Mohit Raina. So make sure to watch out for Jacqueline!

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Vaishali Rathod shares her experience of being a celebrity journalist

The media industry and movie industry are very much interlinked with each other. It’s very common that many media personnel are associated with well-known film stars. One such name who is building her reputation among many celebrities is Vaishali Rathod, a journalist who is the favourite of every celebrity in Dhollywood. She has not just covered events but has also interviewed many big stars and veteran personalities from Bollywood and Dhollywood. With a degree in journalism from the University of Mumbai, Vaishali also had the flair of writing and taking interviews.

She is currently handling the Gujarati entertainment section from Mumbai. Some of the well-known names from Dhollywood with whom Vaishali share a warm rapport include Khushi Shah, Aarohi Patel, Malhar Thakar, Mitra Ghadvi, Hiten Kumar, Alisha Prajapati, Meet Jain, Bharat Chawda among others. As far as Bollywood is concerned, she has interviewed top stars including Shah Rukh Khan, Salman Khan, Ranbir Kapoor, Katrina Kaif, Yami Gautam, Ranveer Singh, Alia Bhatt, Vicky Kaushal and many other prominent names.

Besides writing, the journalist also loves to act and loves to create videos during her leisure time. While speaking about her work, she said, "As a celebrity journalist, it is always a pleasure to meet some of the dignitaries from the film industry. Every celebrity has his or her fair of struggles before they gain success and it has always been a delight to know about their life story", said Vaishali. When asked about her future plans and, she said, "My current focus is to build and grow myself in the field of journalism. There are a lot of things to learn. So I am going with the flow." The journalist further stated that she focuses on one thing at a time as she does not like to do things in haste.

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Here is Sanya Malhotra's take on her distinctive experience on shooting for Ludo

Sanya Malhotra is an actress that breathes life into characters on-screen with her impactful performances. She has made a space for herself in the Indian film industry with the awe-striking characters she has played. Not only is she renowned for her acting but she is also well acclaimed for her mesmerizing dance moves!

One might say that the actress is a multifaceted package of entertainment. Sanya is to be seen making an engrossing appearance in an upcoming Indian 2020 Hindi language dark anthology comedy film Ludo. The film contains four chapters, each of which revolves around a different story.

The actress is known to prepare immensely for all her characters to truly submerge into the depths of the characters, however, with Ludo things were very different as Anurag Basu's brief for Sanya was basically just coming to the set unprepared.

It was quite an enriching experience as the actress went on the set completely clueless about the character and that was Anurag's artistic appeal towards weaving the character which Sanya surely aced. This is proof of how the actress takes on different roles and experiments with her characters.

Apart from Ludo, she has created quite a huge space for herself in the industry on the basis of her dedication and passion towards acting, owing to which she has bagged roles in upcoming films like 'Shakuntala Devi' where the actress will be playing Anupama Banerjee while sharing the screen with Vidya Balan and Guneet Monga’s Pagglait.

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Kumkum Bhagya actress Shikha Singh is expecting her first child; flaunts baby bump

Kumkum Bhagya actress Shikha Singh and her husband Karan Shah are all set to welcome the newest member in their little family. Shikha is pregnant with her first child, and the actress shared a couple of photos on Instagram flaunting her baby bump and looking super pretty while doing so!

Sharing the pictures, Shikha simply wrote, "Boom Boom Ciao" with a firecracker emoji. The actress looks lovely in the photo, wearing a maxi dress, leaning against her husband while their cute dog looks distracted.

 
 
 
View this post on Instagram

Boom Boom Ciao 💥

A post shared by Shikha Singh Shah (@shikhasingh) onApr 22, 2020 at 10:46am PDT

Karan Shah, too, shared these pictures on Instagram and wrote, "Us: Yayyy; Goku: Nooooo, peace gonna be ruined mannn! What did u do!"

Shikha Singh tied the knot with Karan Shah in April 2016. Talking about being pregnant in the time of corona, Shikha said in an interview with ETimes, "When Karan and I were planning to go the family way, nobody thought that Corona would come upon us. I had informed the production house that I would be taking a break due to my pregnancy around April, and the production house also agreed to it, but now with COVID19, I have been on a break since March. My husband is a pilot and because of the lockdown, he is at home, otherwise, he would have been travelling."

The actress further stated, "My mother and sister were going to join us from Haryana, but that won't be possible now. We are near to the hospital and doctor's clinic and they are giving us online classes on how to take care during pregnancy."

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Are you girls planning your first date? Here's what you should 'not' expect

 

What should I wear? Should I apply make-up or stay normal? Should I wear heels or flats? Should I carry a sling bag or a clutch? So many questions like these crop up in a girl's mind when they dress up for their first date. Stop worrying about all these and think the other way round. You guys have spoke earlier, knew each other’s choices and preferences (to some extent, if not completely) and now decided to meet up. So be happy and just go about it.. But wait! There are some things which girls should 'not' always expect on their first date:

1. He will pay the restaurant bill: This might be true, but not always. Do not always expect the guy to pay the bill or even if he wishes to, do take an initiative from your end also. It might look a bit awkward, but try to split the cheque. You may never know, later on if this relation works out, he might make you laugh out loud regarding the incident.

2. He will drop you home: If he comes with his car on your first date, then you can expect. But what if he does not have a car and you know it before hand? You might have to return back home alone then. Be prepared!

3. He will meet over coffee: Is every first date over a coffee table or a cup of Latte? Why can’t it be in a popular Punjabi dhaba over a cup of ginger tea? Dear girls, don’t expect your first date to be in a classy chandelier lit coffee house over a dazzling glass of cold moccachino. At times be prepared to meet him at a dhaba under a moonlit sky too. Outdoor dining does wonders at times!

4. He will click a selfie with you: Come on girls! First date does not mean the final meet before marriage. It is only about getting introduced to each other face to face. Unless and until he is bold enough, he might hesitate to do the act. So you want to take the step? Well, that’s completely your choice and depends on the situation too.

5. He will compliment your gorgeous dress: This might happen over time but not always on the first date. You need to hold on your nerves ladies! Once the date works out, then over time your guy will overload you with compliments. Walk in casually and things might work out.

6. He will talk about your past relationship: Why do you want to spoil the first meet by talking about the bitter past? In case you guys are already aware of each other’s past, then postpone the discussion for future. The first date is all about a romantic evening, a warm welcome, a delectable dinner and a cool conversation ending with a sweet 'bye-bye' note.

7. He will only do the ice-breaking session: Your instinct may be to ask a bunch of questions to get him to open up, but it might feel like a college admission interview. Still, keep the conversations going, don’t worry about silences. You can keep any topic like what’s his favourite music, is he interested in long drives and did he bully friends in college, and such funny stuff.

The day must end on a good note. Do not rush out of the car if he drops you home. Before he starts, ask him if you guys can meet over Karaoke soon. If it's in his mind too, he'll surely lean in! Blush blush! Keep eye contact while talking to the man.

Get your heels on ladies and try to make you first date the most cherished day of your life! Follow the tricks and thank us later.. :)





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How to navigate the world of dating profiles? Experts share their wisdom


Illustration/Uday Mohite

I am looking for a sapiosexual guy." That's the line, which ran below the photograph of a gorgeous woman, on writer Jaidev Hemmady's Tinder page. Chancing upon it a few months ago, Hemmady had two options - either swipe left or right. He chose the latter. Why? "I had never heard the word before. It immediately aroused my curiosity," the 35-year-old recalls. Thinking of it now, Hemmady tells us it was probably his most foolish decision ever. "When we did begin to converse, I asked her what she meant by sapiosexual," he says. She said it was "fascination for intellectual men". "So, would she choose an average-looking man with the IQ of a rocket scientist?" To his surprise, the girl typed in a 'NO'. "He has to be both, handsome and smart," she insisted.

One possible reason for this artifice in vocabulary could be the nature of online dating. Here, as everywhere else, first impressions matter. Only last week, IllicitEncounters.com, UK's leading dating website for married people, released a survey after analysing four lakh profiles, where it threw a few words of caution when describing oneself on dating apps. While words like 'confident' and 'honest' earned a good score, 'shy' and 'happy' were major put-offs. With technical details playing a key role, relationship coaches are now being roped in to add finesse to people's dating profiles. When we enquired, most coaches claimed that 50 per cent of their clients were currently investing in online image building. The rules may differ for each, but if you want to be a smooth player in the swipe game, here's what you could do.


Ritesh Uttamchandani

Treat profile pic with kindness
Some time ago, freelance photographer Ritesh Uttamchandani was asked if he was interested in clicking profile shots for dating apps. "Some of the photos you see on these apps are horrendous, boring and repetitive," he rues. Uttamchandani, who joined a few dating apps out of sheer curiosity, says that because of the nature of his job, it wasn't hard for him to see through the sham behind the lens. According to him, there are four kinds of set images common to most profiles - the side profile, the exotic destination shot, the selfie and one that flashes a facial asset. Of the four, he advises avoiding the selfies. "Pout selfies are the worst."

If Uttamchandani is thinking aesthetics, London-based Dr Siva, who is a physician and relationship expert and runs drsivacoaching.com, says that the profile picture also reflects how serious you are about the dating game. "Larger women should not be ashamed of their body type. Men like women who are comfortable in their own skin," claims Dr Siva.

Mumbai-based Shiva, the head coach of Real Man Academy, which runs dating and seduction workshops, advises following the ABS rule. A implies having pictures that show you lead an 'active' lifestyle. B means portraying a 'bold' body language. (Example: no crossed legs). S is showing off your 'social' circle. "If there are women in your photograph, it's good, because it shows they are comfortable with you."


Nidhi Sharma

Be quirky with your bio
"Be original when describing oneself," says Nidhi Sharma (47), personal branding coach at Bon Impressions in Mumbai. "Never put up an inspirational quote in your bio. It would be stupid to believe that someone is going to date the person who scripted that quote," she says. Instead, she suggests writing something that reflects your attitude towards life. Elizabeth Sullivan, a dating coach, who runs Lovementor.com in London, advises using positive language to describe oneself. "Add some humour.

But, don't force it because people can see through it." Hemmady says, "I prefer women who don't shy away from talking about their food adventures."


Dr Siva

After you've been swiped right
According to Nidhi, a lot of men come across as being very forceful and persistent, once they've got a right-swipe from someone they have taken a liking to. "Begin with a 'hello, how are you?' even if that means sounding a tad bit formal. Let the rapport develop before getting personal," she suggests.

Also, when your 'prospective date' messages, do not respond immediately, says Shiva. "It shows you have lots of free time. At a subtle level it communicates that she/he is the only person who is texting you."

Being online all the time can also be a turn-off. "That shows you don't have much going on in your life. Especially on weekends, be completely offline. As the saying goes, fake it till you make it," Shiva says. Online dating is just a tiny window to your world. "It's a practising tool, until that door really opens," Sullivan says.





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Should you mind the age gap? Experts decode the answer


Emmanuel Macron (right) and wife Brigitte Trogneux acknowledge the audience at an event in Paris in April. Pic/AFP

She's been called a Menopausal Barbie and France's First Grandmother, he's been passed off as gay as it's inconceivable for many how a straight 39-year-old Emmanuel Macron would be married to 64-year-old Brigitte Trogneux. In a different continent, another president is 24 years older than his wife Melania, but critics are yet to look past Donald Trump's mop of blonde-orange hair, and logic-defying views. Why?

Age does matter… for women
"We are still very ageist as a society, all over the world. While an older woman is called a cougar, there is no such term for an older man," says Shrishti Arya, producer of romance TV series Kehta Hai Dil Jee Le Zara (2014) in which Sangeeta Ghosh's Saanchi was seven years older than Ruslaan Mumtaz's Dhruv, and that formed the main conflict. Eventually, the couple not only married but also became happy parents. Of course, as per desi heroine pre-requisites, Saanchi, while refreshingly cheerful and mature, was painted in pure white strokes of a physically and morally beautiful beti, unmarried at 34 mainly due to familial responsibilities. Trogneux on the other hand, was married when she first met the 15-year-old Macron at the age of 40. Easier to blame her.

Ageism also comes from our conditioning, according to clinical psychologist and cognitive behaviour therapist Laura Vaz. In earlier times, it was pragmatic for the man to be older since he was the bread-winner, and the woman was second fiddle. She needed an older spouse to 'look up to'. That has changed with women demanding dignity for their roles as homemakers and fighting for equal rights at work… "but the cultural belief has stuck," she says.


The Graduate created a social revolution in cinema in the late 1960s

The cougar on celluloid
Popular culture doesn't make things easier. Starting from the ageing actress obsessed with a younger opportunistic man in Sunset Boulevard (1950) to the iconic seductress, Mrs Robinson, who lures the apparently hapless Ben in The Graduate (1967), to our own BA Pass (2012) with its poster featuring the much-married heroine sporting a bra and horrors, smoking, while a teenage boy lounges in her bed — the older woman is usually seen as a sexual predator. As clinical psychotherapist Alaokika Bharwani puts it, "If the man is over 10 years younger, it's assumed that it must be a sexual relationship. 'Companionship' is never taken into account, and it's sad because no one speaks of her desperation for an emotional connect." Vaz talks of how this narrow mindset leads to assumptions around the relationship. "That's how stories get created that something must be wrong with the man; maybe, he's looking for a mother figure, or perhaps she pays his bills," she says.

What does she want?
Bharwani gives a more realistic idea of what an older woman possibly seeks in her relationships. "A woman above 40 is mostly financially stable and doesn't 'need' a man to provide for her. She's perhaps been married, has children, and is emotionally mature. She mostly wants companionship to feel invigorated, which doesn't come her way from men her age. So, she enjoys the playfulness of a younger man," she says. As for the younger man, being with an older woman is often relieving since she is past the age of unreal romantic expectations, and doesn't want him to 'complete' her. He can be himself.


Alaokika Bharwani

But relationships are difficult to sustain especially if the age difference is between his 20s and her 30s. As Vaz points out from the cases she has dealt with, usually in a May-December relationship, it is the man who leaves and the woman ends up feeling hurt and used. Vaz adds that there could be an element of unpleasantness peculiar to this sort of relationship. "If the man isn't as financially stable, and she sort of takes care of him, the woman seldom has a problem but the man could feel emasculated," says Bharwani, adding that the biggest undoing for such couples is judgement.

Vaz cites the example of a couple where the woman was 64 years, while the man was 31. In therapy, she made it clear that they had to decide if they were in it for the long haul. "He was as old as her son, and people would look down on them, isolate them and yet not leave them in peace. I said this was what they were getting into. My sessions would help them get stronger, but they had to know that the dice would be stacked against them." Despite being in love, the couple broke up.

Meanwhile, since their coming out as a May-weds-December couple, the Macrons have faced criticism head-on; that he was elected as President is also a positive sign. Back home too, Vaz and Bharwani feel millennials are less judgemental and accepting of such relationships without going into debunked Freudian explanations. Both feel that we are becoming a more civilised society.

Here's to love and companionship for older women without the unfair labels. Or maybe create a male counterpart. Trump effect, anyone?


POPULAR CULTURE:




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COVID-19: Experts warn companies to guard against fake news to tackle crisis better

As the deadly coronavirus infection spreads fast in India and elsewhere, even faster is the spread of fake news regarding the pandemic and experts warn this 'infodemic' can have huge economic costs for companies across the world in addition to health concerns for the public at large. While authorities have announced severe penal actions for those spreading fake news regarding this pandemic, which has already caused nearly 2 lakh deaths globally with more than 28 lakh infections since its outbreak in China last December, widespread misinformation surrounding the disease has seen people drinking disinfectants and industrial alcohol while trying various rumoured treatments.

False claims and fake news, mostly forwarded through social media platforms, have also led to several cases of religion-based attacks, hate speeches and other discriminatory activities, while cyber frauds are also on the rise with scamsters seeking to take advantage of the crisis situation. In addition to the damages caused to public health and societal behaviour, experts warn the undeterred wave of fake news poses a huge risk to corporates, for whom it becomes difficult at times to filter out the right information that is crucial for them to ensure success of their business continuity, especially when almost the entire world is locked down.

Farah Lalani, who is a community creator for media, entertainment and information industries at the Geneva-based World Economic Forum (WEF), said businesses need to be proactive about calling out misinformation that is spreading about their brand, directing customers to official channels and making sure there is always clear and up to date information on all their social accounts. "While bad actors, fraudsters, and uninformed users can spread fabricated or misleading information, if businesses collaborate closely with the entire media ecosystem and regulatory bodies, they can start to work together to solve this very challenging problem," she told PTI.

In India, some organisations including industry bodies and advocacy groups have begun compiling official and credible information about the COVID-19 fight and the ongoing lockdown to help companies in their preparedness for tackling the crisis. Leading advocacy group Chase India, which was among the first to start this practice right from the initial days of the COVID-19 crisis emerging as a major threat in the country, has been sending across multiple daily updates to its clients, including on the latest actions taken by the central and state governments and also on initiatives being taken by various corporates.

Experts said the correct information is necessary for companies to help them understand, analyse and then implement various new guidelines being issued by the central and state governments. "In today's circumstances, besides the current public health crisis of COVID-19 and socio-economic impact related to climate change, one of the biggest concerns is legitimate and timely sourcing of information," Chase India's co-founder and Executive Vice President Manash K Neog said.

"As a public policy consultancy, our key challenge during the pre-lockdown phase was to mitigate frenzy around rumours of lockdown for our clients as it was creating panic for the operational teams of clients. "Further to that, we have institutionalised mechanisms such as our hourly and daily COVID-19 advisory trackers for the central and state governments to support clients with timely and authentic information basis which they are able to better plan their business continuity strategies," he added.

According to experts, companies are working hard to ensure timely access to right information as costs could be too high for them if they fall for some misinformation and in such a situation the role of media is also very important. Releasing a new survey recently, which found that just about one-fourth of the consumers in India currently pay for news but nearly two-thirds are willing to pay, the WEF said the current coronavirus challenge further emphasises the indispensable role that the media plays in society today.

With social media becoming the main platform for spread of false claims, giants like Facebook and Twitter have also begun deleting such posts and taking other actions. Some of the posts deleted on such grounds include those of public figures as well, the most famous being posts shared by Brazilian President Jair Bolsonaro in which he had claimed anti-malaria prescription drug hydroxychloroquine was an effective treatment for COVID-19.

Twitter had also deleted a post by Venezuela's President Nicolas Maduro in which he had apparently endorsed a "brew" for eliminating infectious genes. Various social media platforms have also imposed several restrictions on advertisements claiming various cures for COVID-19, while hate content regarding the pandemic is also being dealt with sternly. However, all these steps have not been able to totally eradicate the fake news flow, which the World Health Organization (WHO) Director General Tedros Adhanom Ghebreyesus described as 'infodemic' in the context of the novel coronavirus.

"We are not just fighting an epidemic, we are fighting an infodemic," he said, referring to fake news as something that "spreads faster and more easily than this virus". United Nations' chief Antonio Guterres too said last month that an "infodemic of misinformation" was also an enemy that we all need to fight while battling COVID-19.

"To overcome the coronavirus, we need to urgently promote 'facts and science' and 'hope and solidarity' over despair and division," he said.

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Extraction | Chris Hemsworth shares his experience shooting in India

We're asked to first wait at the Breakout Room, before being led to the Vetting Room (have spelt that right). After quite a few minutes, finally, allowed in to the Interview Suite. Felt like going past check-in, through security, into immigration.

Except, this passage to the Hollywood home of Australian-born superstar Chris Hemsworth — globally, best-known as the superhero Thor — with various check-points in place, is happening over Zoom, the video-conferencing app. There's a posse of international press logging in at their designated time-slots, from respective homes, across the world. All of them, like Hemsworth at his place, it appears, are living under lockdown, due to COVID-19 spread/scare.

"If you think about it, what we're doing is unbelievable," says Sam Hargrave, referring to the unusual manner of this junket. This is before formal conversations begin, with a moderator rotating questions, as per a pre-decided order. Everyone but the specific questioner's microphone is on mute. No doubt, these are extraordinary times.


Chris Hemsworth and Sam Hargrave (encircled) during the interview  

Hargrave, placed in the window to my right, is the director of the Netflix film Extraction, starring Hemsworth, that drops on April 24. If it wasn't for the pandemic, they'd both have been in Mumbai promoting this film. Which is where I am. And where, along with Ahmedabad, mostly, Extraction was shot.

What was that like? Hemsworth offers the common adjectives — life, energy, people, positivity —that the uninitiated usually refer to mean an overwhelming experience, which India, without a national curfew, can certainly be. He recalls, "The [crowds] couldn't have been more accommodating, supportive — thousands of people standing in buildings and bridges, watching and applauding. The shoot felt like being in a coliseum, or live theatre!"

For Hargrave though, besides sanity, there was also the question of maintaining safety: "We were doing intricate action sequences, with cars flying over locked-up streets, at 50 miles per hour. [At any point in time], you'd have 300 people for security personnel alone, to make sure no one got hurt."


A working still of Extraction

Hargrave is one of Hollywood's top stunt-coordinators, with films from the Marvel Cinematic Universe under his belt, including the Avengers blockbusters directed-produced by (Anthony and Joe) Russo Brothers.

Extraction however is Hargrave's first film as director, and evidently furthest from his comfort zone, given its setting to start with: "Joe Russo, who wrote the script, actually set the film in Dhaka [Bangladesh] and India. Because western audiences haven't seen much of that side of the world. It offered lots of opportunities, visually."

Directing, as a job, is challenging enough. Double whammy for the debutant was, as he puts it, "Directing actors in two different languages — Hindi and Bengali. Neither of which I speak! We had an interpreter with us. But because of the prep we'd put in during rehearsals, while I couldn't understand what they were saying [in the dialogue], I could tell the intention.


Randeep Hooda

"I knew when we'd nailed a take. And if something was off, I knew if we'd missed a line. With cinema, you can tell the scenario. Especially with action — once you've set up the hero and the villain, and they're at odds — the film speaks for itself."

One of the major Indian actors Hargrave directed for Extraction was Randeep Hooda, who comes up rather often in this conversation, as Hemsworth specifically refers to the "major [fight scene], involving hand-to-hand combat. It was so exhausting for both [Randeep and I]. Yet, when you've got an actor who's putting in a 110 per cent, neither of you is willing to quit, it's the best."

Which gives you fair sense of the film's genre — sort of a pure, street-style actioner in the old-world, Western mould. Hemsworth elaborates, "[It's] everything they used to do in the '80s and prior, [without] relying on special effects and green screen, because you couldn't. It was refreshing and rewarding to shoot like that."

Hargrave recalls, "When Randeep and I met, we spoke about the characters, relating them to the classic Westerns — Once Upon a Time in the West, The Good the Bad the Ugly..." Randeep has come again — maybe we could go further on that route (him and I went to the same school).

Or talk more about other Indian actors Hemsworth was referring to hanging out a lot with, while he was here. Or, perhaps mildly pick his brains on his last huge release, Avengers: Endgame — hugest one in the history of films!

Oh, I'm on mute. Chatting on a screen through a moderator is at best interviewing an interpreter, with a dysfunctional hearing aid. Feels rather distant. Upside? Could casually roll out of bed in boxers in Bombay, find myself seated opposite Thor for a few minutes, and then back to bed again. Done. Hoping it's not the new 'normal' though.

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Chris Pratt and Katherine Schwarzenegger expecting their first child soon

Actor Chris Pratt and his wife Katherine Schwarzenegger Pratt are expecting their first baby together. The two had exchanged vows on June 8 last year and now they are gearing up for the next chapter in their lives, sources told people.com.

The baby on the way will be Katherine's first child while Pratt already has a son Jack, whom the actor shares with ex-wife Anna Faris.

This comes after Katherine, who is currently on a virtual book tour for her bestseller, The Gift Of Forgiveness, was spotted out walking her dog with her mother, Maria Shriver on Friday, sporting what looked to be a baby bump, reports dailymail.co.uk.

For the day outing, she chose a baggy, beige striped low-cut jumper, which looked to be a piece of maternity clothing.

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Gigi Hadid, Zayn Malik are expecting their first child

Fashion model Gigi Hadid and her boyfriend Zayn Malik are expecting their first child together. The news of the 'Victoria's Secret' model's pregnancy was reported by TMZ.

"Gigi is 20 weeks along, and both their families are happy" the publication quoted the family sources for the couple as saying. The model who rang in her 25th birthday on April 23, took to social media to share multiple pictures from the celebration.

As reported by E! News, the couple who started dating in 2015, officially called it quits in 2018.

However, Gigi and former 'One Direction' member came back together just before the December break and the singer reached out to Gigi last month and she seemed to be giving him another chance.

Catch up on all the latest entertainment news and gossip here. Also, download the new mid-day Android and iOS apps.

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




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WATCH: “I had one of my best experiences so far working with him,” says Sara Ali Khan on working with Varun Dhawan

If not for the lockdown, Sara Ali Khan and Varun Dhawan starrer Coolie No 1 would have been playing in the theatres right now. The film directed by David Dhawan is a remake of the 1995 film of the same name starring Govinda and Karisma Kapoor. In an exclusive conversation with Bollywood Hungama, Sara Ali Khan spoke about her experience working with Varun Dhawan.

Three-film-old Sara Ali Khan worked with Varun Dhawan for the first time. While the trailer of their film has not been released yet, fans are already rooting for this pairing based on the pictures from the sets of Coolie No 1 and the camaraderie shared by the two on social media. Talking about her experience working with Varun Dhawan, Sara Ali Khan said, “I think I had an absolute blast working with Varun. Firstly, I think he knows his job so, so well and he is fully focussed on that, which I think is important when you are on a film set. That side, I think he is very, very supportive as a co-actor. He is superbly friendly and he is a lot of fun. I think I had one of my best experiences so far working with him. He knows how to be professional and serious and we need to give work the importance it needs and deserves, but he is also, in general, a very fun and chill person. So, I think he is one of the only people who I have worked with and actually hang with as well. I really like that about him. He is definitely one of my favourites.”

Watch video here:


Meanwhile, on the work front, Sara had started shooting for Atrangi Re before the lockdown was imposed. Atrangi Re directed by Aanand L Rai also stars Akshay Kumar and Dhanush.




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Franklin Templeton Fiasco: Here Is When You Can Expect to Get the Money Back

Posted by Equitymaster
      

Many investors park their surplus money in debt schemes in an attempt to earn higher returns than Bank FDs. However the recent incident of Franklin Templeton MF winding down six of its debt schemes has dented investor sentiment and sparked speculation about the safety of their investments.

The news came as a shocker to the investors because the six schemes, the fund house, and the fund manager had a good performance record. Investors in the wound up debt schemes of FTMF are now left with no choice but to wait for the fund house make repayments.


If you are one of them, surely you want to know about the timeline of payouts from the respective schemes.

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Here is what you should know first...

Before returning the money to unitholders, the fund will have to repay the borrowings by the respective schemes that was taken to fund the heightened level of redemptions. Keep in mind that the repayment of borrowings does not impact the value of money to be returned to the unit holders, though it can delay the start of pay out to unitholders.

The repayment of the borrowings that the fund has taken, along with the cash flows it receives in the respective schemes based on the maturity of the underlying securities in the portfolio as well as coupon receipts will determine the payout to the unitholders.

Moreover, the fund will seek pre-payment from issuers of the underlying securities and will look to sell portfolio holdings in secondary market at fair value.

Table 1: Maturity profile of wound up FTMF schemes
Scheme Name Investment Objective Macaulay Duration Average Maturity
Franklin India Ultra Short Bond Fund Investing in instruments with Macaulay duration between 3 months and 6 months 0.38 0.44
Franklin India Low Duration Fund Investing in instruments with Macaulay duration between 6 months and 12 months 1.17 1.45
Franklin India Dynamic Accrual Fund Investing across duration 1.97 2.71
Franklin India Short Term Income Fund Investing in instruments with Macaulay duration between 1 year and 3 years 2.43 3.14
Franklin India Credit Risk Fund A bond fund focusing on AA and below rated corporate bonds (excluding AA+ rated corporate bonds) 2.36 3.38
Franklin India Income Opportunities Fund Investing in instruments with Macaulay duration between 3 years and 4 years 3.92 5.32
Data as on April 23, 2020
(Source: Franklin Templeton Mutual Fund)

Franklin India Ultra Short Bond Fund (FIUBF) and Franklin India Low Duration Fund (FILDF) are the schemes with shorter maturity. If you are an investor in this scheme, you may expect a significant payout within 2-3 years. However, to recover the entire amount you may have to wait up to 5 years.

If you are wondering why a scheme with average maturity of just 0.44 years and 1.45 years will take around 5 years to repay the entire amount?

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This is because the maturity of some underlying securities is much longer (around 4-5 years), even though the schemes belong to low duration category. Additionally, the schemes have borrowings in the range of 6.5% and 8.5% respectively, which have to be repaid first.

Whereas, if you are an investor in Franklin India Dynamic Accrual Fund (FIDA), Franklin India Short Term Income Fund (FISTIP), Franklin India Credit Risk Fund (FICRF), and Franklin India Income Opportunities Fund (FIIOF) your wait will be longer. These schemes primarily invest in medium to long duration securities.

These funds had to sell a number of their short term and liquid securities in the portfolio to meet redemptions. Hence, to get a significant payout from these schemes you will have to wait at least 4-5 years. The year wise expected cumulative cash flows is given in the table below.

Notably, FIIOF is the longest duration fund from among the six funds that have been wound up. It will only be able to repay a very small portion (5%) in the next two years.

Another key reason that could delay the payout from these schemes is the high borrowing rate. FISTIP has 28% of its assets as borrowings, FIIOF has 26%; while FICRF also has significant 16% as borrowings. Furthermore, factors such as credit issues or payment delays faced by any of the investee companies could negatively impact cash flows.

Table 2: Cash flows expected by FTMF across different time period

Many of the securities with longer maturities have regular interim cash flows and features such as interest rate resets or call/ put options, which significantly reduce the effective maturity and the same has been factored into the calculation of the Macaulay Duration.

FTMF said that it would actively explore opportunities with a goal to facilitate repayment prior to the maturity of the portfolio investments. To do this it will seek prepayment from the issuers of the underlying securities and look to sell the securities in the secondary market.

However, the current market scenario is rife with risk aversion and illiquidity. The fact that wound up schemes have high holding of lower rated securities, FTMF will have to wait for the market conditions to go back to normal to liquidate the portfolio at the earliest, without causing value erosion for investors.

[Read: RBI Steps in to Take Some Pain Off Mutual Funds. Will It Help?]

Way ahead for debt fund investors

Keep in mind that debt funds are not risk-free. Investment in debt funds carry various risks relating to liquidity, credit quality, and interest rate. Therefore, before investing in debt funds understand the various risks involved and invest in schemes where the portfolio risk aligns with your own risk appetite and financial objective.

In this market environment, it would be preferable to invest in instruments issued by government and public sector enterprises, and stay away from those having high exposure to private issuers.

At PersonalFN, we arrive at top rated funds using our SMART Score Model. If you wish to select worthy mutual fund schemes, I recommend you to subscribe to PersonalFN's unbiased premium research service, FundSelect.

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

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

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.




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Join an expedition to Rishikesh and feel the bliss in the Himalayas

Living in a city like Mumbai where views from a person's home consist mainly of bricks and mortar, and where people go about their daily business with such a frenetic pace that it mirrors a fast local train travelling at top speed, can leave its citizens feeling as jaded as someone who's been tied to a computer screen indefinitely for months on end. But a travel company is now offering people feeling the same the chance to join an expedition to Rishikesh, so that they can recharge their batteries before getting back to the daily grind.

"It will be a three-night stay," says Rohit Dube, co-founder of Moonstone Hammock, which is organising the tour. "The first day starts with a trek to a hidden gem, a waterfall about 5 km from the main city where people can actually sit in the water and have their food. And over the course of the rest of the trip, we will take the participants for two different evening aartis, rafting, to the Beatles ashram, cafés with live music, and local bazaars so that they can soak in the vibe of the place. We will also take them around the mountains on bikes, for instance to the beautiful road that heads towards Badrinath," he adds, meaning that it's time for you to pack your bags if you want to escape this concrete jungle, even if it's for a brief period.

On: March 29 to April 1
Call: 9769274340 to book
Cost: Rs.7,980

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Look your best on your summer vacation with these expert tips

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

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

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

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

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

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

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

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

- Rupa Chourasia, stylist

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

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


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

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Culinary experts on Khichdi's rich, comforting legacy

Union Minister of Food Processing Harsimrat Kaur Badal had to clear the air after reports suggested that khichdi was to be India's national dish. Culinary experts lift the lid on its rich, comforting legacy

Pushpesh Pant, Food historian and author
The first mention of khichdi is in the Vedas as kshirika. Years later, Al Bernini circa 1,000 AD called it the staple diet of India. So yes, it is already a national dish. Milestone versions are Birbal ki Khichdi, which has an apocryphal story about a dish that was made in Emperor Akbar's kitchen when his son, Salim, came home after conquering Gujarat.

Made of dry fruits and meat, it was a metaphor that Salim had "devoured" Gujarat, where khichdi was consumed. On the other hand, the Anglo-Indians made Kedgeree, with fish and eggs. In south India, Pongal is a version of the same dish.

Also read: India sets Guinness world record with 918 kg khichdi

In Puri's Jagannath temple, and in Badrinath, it is served as a prasad, but it is important to note it is not a vegetarian dish. We have some excellent meaty varieties like khichda (thick paste of beef, lentils and spices) and shola khichda (mince, rice, dal and vegetables).

Kurush Dalal, Food historian and archeologist
Both dal and rice have been part of the paleo-botanical records in archaeological excavations for the last 4,000 years. The question is: Were they cooked together? Was this eaten where both were grown? The answer is, khichdi is a generic term, and can be made with different grains.

While the dal is a critical component, there is no specification of the type. It can be tuvar, masoor, mung or chana dal. Rice, jowar, bajra, wheat and cracked wheat are options for the 'cereal' part. There are dry and wet versions. The urban version, cooked separately, is called dal-khichdi. It's the saviour dinner of single men.

Ashish Chopra, Delhi-based culinary historian
Two words describe it: soul food. An amalgamation of ingredients makes it a wholesome dish, which can have pulses, rice, vegetables and meat. The Angami Nagas call it galho. It is a pork version with greens, lentils and rice. In Mizoram, they call it sawchair. Just the way we say, life ki khichdi ho gayi, the dish is really about order from ingredients that are full of disorder.

Also read: Khichdi won't be named 'national dish', Harsimrat Kaur clarifies

Rajasthan has a muttony bajra-based soita, while Male in the Maldives has a prawns, lentil and rice preparation called Maltai. The masai of Kenya and River State, Nigeria - an area known for its spices and fish - make a fish sauce soup with rice, which is, in desi terms, a khichdi.

Also read: Khichdi to be branded India's national food on November 4

Mohsina Mukadam, Food historian and head of history department, Ruia College
The ingredients have remained the same since its first mention in the Vedas. While Emperor Akbar's kitchen is known for its khichdi, even Jehangir loved the Gujarati-style khichdi called Laziza (which means tasty), and Aurangzeb preferred a keema version. It was the best option to be cooked as prasad as it could end up feeding a large group without hassle.





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Mumbai based experts list tips to eat safe during summer



Food tends to spoil more quickly during the summer. It is important to pay extra attention to your food and look for unusual odour and mould before consuming it, say experts. Indrayani Pawar, team leader, dietitian team, Hinduja Healthcare Surgical and Varsha Gorey, clinical nutritionist, Apollo Hospitals, Navi Mumbai, suggest some tips:

1. Which foods spoil quickly
Foods with high moisture content and protein-based foods are easy targets for micro-organisms. Milk and milk products, raw and cooked meats and vegetables are more prone to spoilage compared to dry food items. Foods that are high in sugar, or salt or with high fat or oil content in contrast don't spoil quickly because these act as preservative agents.

Storage becomes important here - low temperatures serve to preserve these food items. One must ensure food is not kept outside for long periods of time.

2. How to identify bad food?
Spoilt food has a telling smell. Quite often, food items that look fine on the outside have mould or fungus growing inside which people don't notice. It is always better to check the food for any unusual odours and open the food item to check for unusual signs, such as stringy threadlike growth. Dairy based Indian sweets are more likely to spoil quickly compared to dry fruit and nuts based, pulse and flour based or dry coconut based sweets.

3. Eating well during the summer
Seasonal fruits and vegetables are always the best option in their respective seasons. In order to quench thirst in summer, fresh fruits and vegetables should be consumed (as they are also good in antioxidants, vitamins and minerals). Smoothies with curds, or simple buttermilk are better options than fizzy or cold drinks. Curd will help to soothe the stomach by providing probiotics and easy to digest proteins.

4. Eat safe while traveling this summer
If you're travelling long distances during the summer, it is best to carry dry foods. Nuts and oil seeds, roasted chiwdas, roasted makhana, multigrain khakaras and chikki are some examples. Kokum sherbet, aam panha, nimbu pani, buttermilk and lassi are also great for the summer.

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Rohit Sharma: Mumbaikars not lucky as Australians, expensive to get your own house

Indian cricketer Rohit Sharma recently had a candid chat with former Australian pacer Brett Lee about what he’s doing in order to keep himself busy during the lockdown on Star Sports’ show Cricket Connected. Rohit Sharma went on to address the issue of space in Mumbai on streets as well as houses. Rohit said, "I wish I had enough place to play indoor cricket, but unfortunately in Mumbai, the place is very secluded, and you have to stick to your apartment. We are not as lucky as you guys where you have your own backyard to play."

"In Mumbai, it’s very expensive to get your own house where you have your own backyard. I live in an apartment and I am lucky to have a little balcony where I can run around and do some activities that my trainer has given me. I am trying to follow whatever little I can. Hopefully, the gyms will open soon, and I can go there," Rohit added.

"But I am missing hitting the ball, that’s for sure. As you know, I like to hit big, so space is not enough. I just can’t wait to go out there and start hitting the ball."

Born and brought up in Mumbai, Rohit Sharma is also the captain for the IPL franchise Mumbai Indians and has won a record 4 IPL titles with the team.

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US oil prices turn positive, another bloodbath expected Tuesday

Oil is doing something that is even making Market veterans shake their heads in wonder. After shedding more than 300 per cent or $56 a barrel in one single day on Monday, the West Texas Intermediate (WTI) crude for May delivery gained some ground early on Tuesday, recovering 103 per cent to come back in the positive zone at $1.35 a barrel.

But analysts expect that bloodbath in US oil market may continue well into Tuesday when May future contracts are expiring and traders still left with long positions facing actual delivery of oil may look to liquidate their stock even if they have to pay to do this. In simple terms this means that traders do not want to store crude by taking actual delivery for May and incur cost while not finding any buyers in the absence of demand that has also shrunk sharply by more than a third in Covid-19 pandemic.

"We could again see price of oil in US going into the negative zone on Tuesday. But this could be a lot less sharper than what was witnessed on Monday," said an oil sector analyst asking not to be named.

He said that lower oil prices bore good for India but how much oil companies can gain from US fall is uncertain as the Indian oil companies are not very active in the US markets and trade very small quantities in the spot market. Still some of this oil could be contracted if freight arrangements are worked out on time.

While US oil has shown significant fall, Brent has maintained a fairly steady path. The benchmark Brent oil is still hovering at $ 25 a barrel. The US WTI for June delivery is still keeping its heads up at over $ 20 a barrel. But it would be seen if Covid-19 situation improves in coming days and demand picks up. Otherwise, June oil futures can go the May way.

The decline of oil prices comes despite the recent output cut agreement between the Organisation of the Petroleum Exporting Countries (OPEC) and its allies.

There were hopes that agreement would stabilise oil prices, but with the Covid-19 pandemic continuing, there has been a large slip in demand that is not letting a pick-up in oil prices.

The current market is oversupplied on shrinking demand, creating a situation of free fall for crude.

The price of oil has now reached a point that it is increasingly becoming difficult for higher cost producers to remain in operation and rather look at declaring bankruptcy.

A lot of US shale producers are in deep trouble and analysts expect that low oil price for few more months will result in a spate of bankruptcies in the US.

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