Supporters of Malawi's opposition took to the streets of Blantyre on Wednesday as their presidential candidate presented nomination papers for the July re-run of last year's election. The outcome initially returned President Peter Mutharika to office, but the result was historically overturned in a landmark court ruling in February. Meanwhile in Burkina Faso, a young man has created a digital school so that students can keep taking classes on their smartphones during the lockdown. And finally, South Africa turns to virtual tourism as national parks stream their safaris online.

TWH speaks with Holli Emore about the dynamics and opportunities of online rituals, and how their use may shift how Pagans think about and participate in ritual.

Continue reading The opportunities of online rituals at The Wild Hunt.

Watford become the third team to publicly oppose the use of neutral venues when Premier League football returns.

Ana Carmona chronicled her month in quarantine with her family in NYC, including when she got some big news.

Mahi Malini Pujari says initially she would avoid interacting with guests, but has now grown more confident

Last year, restaurant manager Josein Fernanda found herself in a tough spot when a colleague spotted a bodice and a bunch of padded bras in her bag while they were working on a cruise liner in Goa, where she was working as a manager. The 44-year-old, born a boy in Mumbai's Lamington Road area, says she has always felt like a girl and would clandestinely cross-dress. But, it was a secret that Fernanda had zealously guarded until then. "My boss called me and said, 'I don't want this news to leak. So stop indulging in this.' Well into my 40s, I had reached a point where I couldn't conform to society anymore. There was an overwhelming sense to come out of the closet," she says. Fernanda resigned from the job and returned to Mumbai, liberated but uncertain about what the future held.

Shonali Mude, a former runner-up at Miss Trans Queen 2017 joined in January this year. Mude, who might have in another gender made it as a model or an actor, says jobs for transgender are limited. Having gone to auditions at fashion weeks, Mude says she had no luck. She now works as a floor attendant

Being in the public eye
When we meet Fernanda on a weekday afternoon at Third eye Cafe, located on the ground floor of Palm Galleria Mall, Navi Mumbai, she is sitting near the bar with her laptop. The wall facing her reads, 'Be the Change You Want to See'. Wearing a black blazer with slim fit pants and glinting earrings, Fernanda - formerly known as Innocento - has finally embraced change. She chanced upon the cafe while browsing through YouTube, and got in touch with the owners. She now proudly identifies herself as a woman. Along with her, five other trans-women found their lives transformed when were hired as staffers at the restaurant. The cafe currently has six transgender employees, five of whom work as table attendants, while one works as the manager. The restaurant employs around 20 persons.

Josein Fernanda - formerly known as Innocento - finally came out of the closet on learning of this job in January

"As the name suggests, the restaurant was launched with the intention of providing the third gender an opportunity to lead a more respectable life," says co-owner and architect Nimesh Shetty, who started the venture with his partners Prasad Shetty and Nitesh Kandarkar. Nimesh, 27, conceptualised the cafe almost six years ago while working on an architectural thesis around building a community centre for the transgenders. As envisioned, the cafe would be part of the centre. He even conducted a survey to understand whether people would visit a place like this during the thesis. "A lot of people said yes, we accept the third gender. But, are you willing to accept your sister or closest friend as a transgender? That's when people fumbled. This is something we want to work on," says Shetty, who hails from a family of hoteliers.

A typical day
At the restaurant, we see Mahi Malini Pujari, 24, on her feet taking orders and interacting with guests. She's aware of the reaction her presence normally invites - raised eyebrows, unflinching stare, giggles and sometimes nonchalance - but she has learnt to take it all in her stride. In fact, when a bunch of guests arrive, she's the first to guide them to the table and make them comfortable by offering water and exchanging pleasantries. "Initially, I wouldn't utter a word to the guests. I'd take orders and do clearances. I didn't have the confidence to initiate or a hold conversation," says Pujari. The make-up is minimal, just enough to make her look fresh-faced. The 24-year-old worked at Arzoo Foundation, a de-addiction and rehabilitation centre situated at Palghar. Before that she would beg on the streets and in trains. "I joined the hijra community in Bandra after I left home. I didn't even complete my Std X because my parents gave me an ultimatum: 'either I behave like a boy or leave'," she says. Pujari chose the latter. She now lives in an apartment provided by the owners, in Vashi along with the other staff. While the response from the hijra community to her choice of a new career has been fairly encouraging, her family has still not accepted her. "I've let it go," she says.

Know your food
In almost two months' time, Pujari has upped her social skills and also memorised the menu. A part of the credit goes to Fernanda, who the staff treats as 'didi'. "Of course, they need to know how conduct themselves in public. Along with that, she must know the food that we serve here and what goes into its making like the back of their hand. The guests always check with the server first," says Fernanda.

Spread over eleven pages, the menu is extensive with sections separating Italian, Oriental and Indian cuisine. Currently, the restaurant doesn't serve alcohol but it's in the pipeline. We order the beetroot falafel made with parsley pesto, tahini yoghurt and pomegranate for R199. The portion is impressive and scores well on the taste front. "Many come here for the novelty value. But, they'll return only if the food and service is good," says senior staffer Shonali Venkatesh Mude, a former runner-up at Miss Trans Queen 2017, who joined in January this year. Mude, who might have in another gender made it as a model or an actor, says careers as a transgender are limited. Having gone to auditions at fashion weeks or even advertisements, where she'd have to portray a woman, Mude says she had no luck. "I wanted a job where I'd get a steady income."

A group of women sitting next to our table have dropped by from Nerul during lunch hour to celebrate a colleague's birthday. That's the overt reason. The real one is to experience what's it like to be served by transgender staff. "I don't mean to treat them as specimens, but we wanted to experience this. I'm happy that we're finally getting to see them in mainstream jobs. Till now, you would see them begging inside trains," says Divyani Fulzele, who works at an IT firm. When they're about to leave, they compliment Mude and promise to return. This time for the peppy vibe and the food. "Compliments work as a confidence-booster. While I'm more educated and experienced than the rest, there was a trepidation about how it'd pan out. But I like coming to work," smiles Mude, who lives with her partner in Khargar.

Setting an example
In 12 months, owner Nimesh Shetty has interviewed over 600 transgenders for the job by seeking help from NGOs and transgender activist Gouri Sawant. "Actually, it's they who interviewed me because they had more questions than I did. It's natural, because they are leaving their comfort zone and for an all-new territory," he adds. He admits some quit the job within weeks because of adjustment issues. "It's a high-pressure job, where sometimes you clock in 10-12 hours. Some couldn't deal with that," he says.

Shetty feels the challenges of being transgender are different from what gay men or women face. "Here, we are talking about survival. Many get thrown out of the house when they come out." For now, Shetty is hopeful that the restaurant will inspire others to follow suit. "We don't want to capitalise on this as a gimmick. The goal is to inspire."

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Thane: Political leaders cutting across party lines have opposed handing over of power distribution duties in three electricity subdivisions of Thane to a private player.

These leaders on Monday met at the circuit house here and among those who attended were Mumbra-Kalwa MLA (NCP) Jitendra Awhad, Shiv Sena MLA Subhash Bhoir, BJP MLA Kisan Kathore and Kalyan Shiv Sena district unit chief Gopal Landge.

These leaders claimed that the experiment to privatise electricity supply in the powerloom town of Bhiwandi here had failed and, hence, it should not be expanded to newer regions of the district. They also claimed that people were opposed to the entry of private players in place of the state-run Maharashtra State Electricity Distribution Company Limited (MSEDCL) in this region.

On January 3 this year, private firm Torrent Power announced it had been appointed as electricity distribution franchisee for three sub-divisions under Thane urban circle of Maharashtra. "The company has emerged as the winner of competitive bidding process conducted by Maharashtra State Electricity Distribution Company Ltd (MSEDCL) for the appointment of input based distribution franchisee for distribution of electricity in Shil, Mumbra and Kalwa sub-divisions under Thane urban circle, for 20 years," Torrent Power had said in a BSE filing. Shil, Mumbra and Kalwa sub-divisions have a customer base of 2.15 lakh, the filing said. The firm is also the electricity distribution franchisee in Bhiwandi since 2007 for a period of 20 years.

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Targeted at millennials, Chinese smartphone maker OPPO on Tuesday debuted its sub-brand "Realme 1" smartphone in India for Rs 8,990 (3GB RAM and 32GB internal storage model).

The 6GB RAM and 128GB internal storage variant is priced at Rs 13,990.

The smartphone comes with the world's first 12-nm Artificial Intelligence-based MediaTek Helio P60 chipset with "AI shot" technology.

"Realme 1 is focused at young online consumers and is primed to be a market disruptor with a stylish design," Madhav Seth, Chief Executive Officer, Realme India, said in a statement.

The device will be available on Amazon India, starting May 25, in diamond black and solar red colour variants.

A third variant with 4GB RAM and 64GB onboard storage, in moonlight silver and diamond black colours for Rs 10,990 will go on sale in June.

Realme users will have access to over 500 OPPO service centres across the country with guaranteed 90 per cent repair cases resolved within an hour.

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Mumbai Cricket Association (MCA) secretary Sanjay Naik and three more members were booked by Bandra police for obstructing burial of a COVID-19 dead body in Muslim Kabaristan. The incident occurred on Tuesday when a dead body of a COVID-19 patient was taken to Naupada Kokani Kabarastan by Raza Academy members for burial. Naik claimed that he objected to the burial as members who had come with the dead body didn't have proper documents.

A few weeks ago, residents near Naupada Kokani Kabarastan objected burial of dead bodies who were COVID-19 patients. The matter went to Bombay High court which rejected the petition of the residents. The matter went to Supreme Court which redirected matter to High court and reportedly allowed burial in between.

The controversy upscaled on the night of May 5 when a 45-year-old died of Coronavirus in Jaslok Hospital. Raza Academy members who had been appointed to carry out the burial rushed to Naupada Kokani Kabaristan. "When we reached Kabaristan, we found that the BMC officials mentioned a Kabarastan of Bandra East, so the permission was changed to Bandra West in Konkani Kabarastan," said Sabir Nirban, member of Raza Academy. "But while burial was going on, Sanjay Naik came with some men opposing it", he said.

Sheikh Izaz Shamshuddin, resident of Bandra registered a complaint against Sanjay Naik, Muzaffar Zarif Khan, Yunus Muzaffar Khan, and Akbar Zarif Khan. 

"We tried to have a word with the men but they weren't listening. They told us about the court orders but we told them that orders are in favour of burial in this particular kabarastan, but they didn't listen to us. Cops came to spot and we finally decided to register a complaint at the Police station," said Shamshuddin.

Bandra police took cognizance of the matter and filed the offence under IPC section 341 (wrongful restraint), 269 (Negligent act likely to spread infection of disease dangerous to life), 270 (Malignant act likely to spread infection of disease dangerous to life), 188 (Disobedience to order duly promulgated by public servant) and 34 (Common intention) and relevant sections of Epidemic Act 1897. 

Talking about the incident, Sanjay Naik said, "The people who had come with the dead body didn't have any proper permission. They buried the dead body even before we objected, some ran away when we came, it was all fishy. There were many people around hence we didn't create any ruckus." When asked about the offence, he said, "I am not aware of the offence, I wonder what offence they have registered against me". 

Nirban, one of the members of the task force formed by the government has requested the Police Commissioner to take stringent action against such trouble makers and make a precedent for others who cause undue hardships to people working for the society. "Special attention must be given for their protection to overcome this task. These dedicated workers are risking their lives for the society and we must pray for their health and support them morally in this noble cause," Nirban said. 

Swapna Mhatre, local corporator said, "There was some issue with permission of burial but it was resolved later. There is a sense of fear among residents as the burial ground is in the residential zone. I would suggest authorities to choose grounds which are away from residential zones."

DCP (Zone 9) Abhishek Trimukhe confirmed the registration of offence, "The offence has been registered and the investigation is on," he said. 

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Nitin Kumar is a known name in Pollywood Music, but he is more known as Nitin Vilecha hails from Punjab, he was born on 23rd July 1999 is young enough to gain a good name in the music and fashion world. Although the world of modeling is often dominated by females, Nitin was successful enough in breaking this stereotype and emerged a big name in the fashion world. With his handsome looks, he was able to make his entry into the fashion world. He worked with top models including Jon, Opry, and Lucky Blue to name a few. After reaching the zenith, he tried his luck in acting.

Soon entered in Pollywood music seen with some songs. His intention is clear, he wants to make his entry in Bollywood. He is waiting for the right opportunity to make a move inside B Town. However, in modeling he has proved his worth and soon it won't be surprising to see him becoming the part of several global events as well.He has worked with different brands and companies and with his handsome and stunning avatar, he is willing to go a long way doing big ventures in modeling. Besides, he has remained the part of many fashion shows as well working as a showstopper for several top brands.

In a short time, he was able carve his niche in this field and is now counted among the top models in the glamour world. People have started recognising him as he has become a regular face in the Pollywood music and fashion world. He is leaving no stone unturned to give his best and find time for every assignment doing justice to the ventures he keeps on getting in his way. He may be a stable model with good earning but he wants to make his mark in the Bollywood industry as well. Hope to see him soon on the big screen with B Town stars.

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To ensure that the labourers and migrant workers can earn a livelihood once the lockdown is over, the Nagpur Municipal Corporation has started an initiative to introduce skill-based training among beggars and the homeless in the city. Tukaram Mundhe, Nagpur Municipal Cooperation Commissioner said, "After the lockdown was announced, we shifted the homeless and beggars to shelter homes and providing them with food, accommodation and other facilities."

With about 19 shelter homes around the cities accommodating close to 1,500-2,000 people, the commissioner said they are being provided with some skill development activities apart from having basic amenities. "We have also introduced skill development programmes for them. In the long run, we intend to take up the eradication of beggary program in Nagpur by providing them skills so that they can get employed," Mundhe said.

Glimpses of homeless beggars in Nagpur after a makeover by NMC:

NMC's shelter home took many #Homeless people under its care during the #lockdown

Some with special abilities were also given a complete makeover for health and sanitation purposes. #Covid_19india #homelessness pic.twitter.com/w11dVpnNBa

— Tukaram Mundhe (@Tukaram_IndIAS) April 12, 2020

"We are also giving them a makeover as we are providing them skill-based training so that they can earn their livelihood once the lockdown ends," said Manish Soni, Public Relations Officer, NMC.

According to the Union Ministry of Health and Family Welfare, 2,916 positive COVID-19 cases have been reported in the state, out of which 295 patients have recovered and 187 patients have succumbed to the virus.

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Union minister Nitin Gadkari on Sunday said India should look at converting the world's "hatred" for China amid the coronavirus pandemic into an economic opportunity for itself by attracting large-scale foreign investments.

Interacting with overseas Indian students via video conferencing, the minister for MSME and Road Transport and Highways said across the world now, there is "hatred for China. Is it possible for us to convert it into an opportunity for India?" Referring to the economic package announced by Japan for its businesses exiting China, Gadkari said, "I feel that we should think on that and we will concentrate on it. We will open the Indian scenario for that. We will give the clearances and everything to them and attract foreign investment."

Asked if India can take any action against China incase it is found to have deliberately "suppressed" information on coronavirus, the minister said this was a sensitive subject related with the Ministry of External Affairs and the prime minister, and therefore it will not be appropriate for him to comment on it. Gadkari said all government departments, particularly the finance ministry as well as the Reserve Bank of India (RBI), are formulating policies to win the "economic war" post the COVID-19 pandemic and fulfil the prime minister's dream of making India a USD 5 trillion economy. "At the same time, we can make infrastructure of Rs 100 lakh crore," he added.

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Soon after the Bollywood movie trailer on the biopic of Prime Minister Narendra Modi was out, the opposition on Thursday strongly opposed claiming that it is violating moral Code of Conduct of election. The teaser trailer of the biopic was released on Thursday.

In Pune, once the trailer was out, the NCP warned the Pune theatre association to avoid showcasing the movie or bear consequences. The NCP was supported by Maharashtra Navnirman Sena (MNS).

Speaking to mid-day, Balashaheb Patil, President Art and Culture president of Maharashtra State said, "We have warned the Theatre Association in Pune and on Friday we will be filing moral code of conduct violation by BJP. As this biopic that is an attempt to influence voters, we will report to the administration that the movie is a violation of the election code of conduct. If this movie is released, the theatres they will have to bear consequences and the film producers, distributors and administration will be responsible for it."

Actor Vivek Oberoi plays the lead role in the upcoming biopic on Narendra Modi. Besides Vivek, the film also stars Suresh Oberoi, Barkha Sengupta, Prashant Narayanan, Darshan Kumar, Boman Irani, Zarina Wahab, Manoj Joshi, Anjan Shrivastav, Karan Patel and Akshat R Saluja. The film is produced by Sandip Ssingh.

Also Read: PM Narendra Modi biopic violating Election Commission rules?

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

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

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

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

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

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

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

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

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

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

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

Investment strategy of HDFC Mid-cap Opportunities Fund

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

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

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

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

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

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

Suitability

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

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

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

Author: Divya Grover

This article first appeared on PersonalFN here.

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

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New Zealand's opposition National Party has released its plans for tax reform, announcing it would review whether to lower the corporate tax rate.

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