Giving a huge relief to people stuck in various states, the Ministry of Home Affairs (MHA) on Wednesday allowed movement of such people - including migrant labours, workers, students, tourists and others - and also provided the procedure for the same. MHA has included a sub-clause regarding the movement of people who are stranded due to lockdown announced last month due to coronavirus outbreak.

"Due to lockdown, migrant workers, pilgrims, tourists, students and other persons are stranded at different places. They would be allowed to move as under," MHA said while asking States to designate nodal authorities to facilitate the process.

"All States/UTs should designate nodal authorities and develop standard protocols for receiving and sending such stranded persons. The nodal authorities shall also register the stranded persons within their States/UTs. In case a group of stranded persons wish to move between one State/UT and another State/UT, the sending and receiving States may consult each other and mutually agree to the movement by road," read the order.

"The moving person (s) would be screened and those found asymptomatic would be allowed to proceed. Buses shall be used for transport of groups of persons. The buses will be sanitized and shall follow safe social distancing norms in seating. The States/UTs falling on the transit route will allow the passage of such persons to the receiving State/UT," MHA said in its order of inclusion of movement of stranded people in different places.

Laying out the procedure on the arrival at the destination, MHA has asked to keep the people under home quarantine. "On arrival at their destination, such person(s) would be assessed by the local health authorities, and kept in home quarantine, unless the assessment requires keeping the person(s) in institutional quarantine. They would be kept under watch with periodic health check-ups. For this purpose, such persons may be encouraged to use Aarogya Setu app through which their health status can be monitored and tracked," MHA said.

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Two African lion cubs, born a month ago at Nehru Zoological Park here, came out for the first time in a 'day crawl'. According to Nehru Zoological Park Curator, N.Kshitija, this is the first time that the cubs came out since their birth last month.

#WATCH Telangana: One-month-old two African lion cubs were seen playing with her mother, Adhisana, in the Nehru Zoological Park in Hyderabad today. pic.twitter.com/UCHQJcdw2e

— ANI (@ANI) May 3, 2020

Lovely moments of the cute cubs spending time with their mother Adhisana were captured on camera by the zoo officials. One of the photographs released by the zoo authorities shows the mother licking her cub. The cubs are also seen playing with each other.

Shutdown for more than 40 days due to coronavirus-fuelled nation-wide lockdown, the zoo brought some cheers to animal lovers with the increase in the big cat population.

The Nehru Zoological Park (NZP), most popular and one of the largest zoos in the country, saw the birth of three Royal Bengal tiger cubs and two African lion cubs in the first week of April. Six jackal puppies and two Blue Gold Macaw chicks were also born.

Meanwhile, NZP officials said they were taking all precautions for the safety of the animals in the wake of the outbreak of Covid-19. It sounded an alert last month after a tiger at a New York Zoo tested positive for the dreaded virus.

The animal keepers and veterinary staff were alerted to monitor the animals, particularly tiger and primates for checking any symptoms of cold, nasal discharge or any symptoms of flu. The officials said the precautionary measures were taken up as per the instructions of Principal Chief Conservator of Forests and Central Zoo Authority (CZA).

The veterinary wing is continuously monitoring the health of animals and checking for any symptoms. Thermal scanning is being done of about 150 Zoo employees engaged in taking care of the animals. The Zoo authorities took several preventive prophylactic measures since the first week of March.

The NZP, which is shut since March 22, is using the services of staff animal keepers, gardeners, security and workshop staff to attend duties for providing feed to the animals, cleaning the enclosures, maintaining hygiene and sanitation, maintaining health of animals and attending emergency maintenance works and services.

Set up in 1963, the NZP is the most popular and one of the largest Zoos with an average of 27-30 lakh visitors annually. It has over 155 species and 1550 specimens in spacious enclosures.

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Mid-day online journalists interact with the frontline workers in a new series 'Real heroes of coronavirus'. Media photographers, reporters, railway staff and medical workers tell their stories of grit, determination and every-day challenges in times of the pandemic.

Mail Express Guard Vishal Kalage has been working with Central Railway's Miraj division in Sangli, Maharashtra for 11 years. After the Railways decided to stall passengers train services, Kalage, who studied micro-biology, decided to use the lockdown period by making masks and face shields at home with the help of his wife and mother and contribute in the fight against the coronavirus pandemic.

Vishal Kalage distributes face masks to doctors, police staff and common people free of cost

We spoke to Vishal Kalage about his noble work and what it feels like to contribute to the society in the fight against coronavirus.

Here's an excerpt from the interview.

What inspired you to take up the task of making face masks?

When the lockdown was imposed, I went to buy medicines for my mother, who is an heart patient and I inquired about the cost of a disposable face mask. I was surprised when the shopkeeper told me that the face mask would cost Rs 30 and had to be thrown away after six hours of use. That is when I decided that I should make face masks.

When I pitched the idea to my wife (Rohini) and mother (Menakshi), they immediately agreed to the plan. My wife has done a course in fashion designing, she made few sample masks before we zeroed in on the final product.

Speaking about the shortage of face mask in the market due to the sudden demand, which emerged after the outbreak of the coronavirus cases in Maharashtra, Vishal said, "Honestly, there were no sanitisers at that time; hand wash was also not available and many medical shops were selling available stock at a higher price. At the same time, due to panic buying many front line workers including doctors and police staff did not have masks. Seeing the crisis that had emerged due to the shotage in supply of masks, I decided to make face masks at home and help the country fight the coronavirus pandemic."

What challenges did you face while making face masks at home?

Due to the nationwide lockdown, the fabric required to make masks were not available in the market. After searching four to five orthopedic medical shops, I finally got the required fabric from which I could make face masks at home. I purchased 10 (2x6) bedsheets at Rs 360 per bedsheet for making the masks. Five bed-sheets were used to make the lace while the other five bed sheets were used to stitch the main bracket of the face mask (three tier/plating of the face mask).

Vishal Kalage's wife sitches face mask at home (on left) and she posing with the final mask which was made at home (on right)

When did you start making the face masks?

On Day 2 of the initial 21-day nationwide lockdown, we started making face masks at home. In the beginning, we were able to stitch 160 face masks on a daily basis. Now we stitch 200 mask everyday. To date, we have stitched over 4,500 face masks. The face masks have been distributed free of cost to the railway staff, police staff and even hospitals among others.

How did you manage the production, did you hire people or the family managed it?

Initially, we hired two women from the garment industry, who had lost their livelihood due to the lockdown. The lace work was done by them, one would do the cutting while the other woman would work on the laces. The rest of the work required for making the masks was looked after by my wife, mother and myself.

Although the women worked for a few days, Vishal said he paid them adequate sum to sustain during the crisis.

Can you take us through the process of making face mask at home?

The cloth pieces are cut from the bed sheets as per the required size, dipped into dettol for nearly two hours and left out under the sun to dry. Once the pieces are completely dry, we start the process of stitching the mask. After the stitching, the face masks are ironed at 350 degree celsius for three minutes on both sides.

Explaining why ironing the face masks was important, Kalage said, "Being a microbiology student, I realised that the face masks will have to be bacteria free and clean, which is why we decided to press it under 350 degree celsius. This way we created a sterilisation process at home only."

To date, Vishal Kalage and his family have made 4500 masks and 150 face shield which has been distributed free of cost

After the masks are ready, Vishal's daughter Nakshaytra and son Nakshayraj help him in packaging by making a bundle of 50 face masks each. The kids then arrange these bundles in a bag which Vishal Kalage distributes to the doctors, police staff and the public at free of cost.

Besides face masks, Vishal also makes face shields at home. Using lamination sheets which his school going children use, Vishal with his wife's help made face shields at home. "We use lamination sheets and teflon sheets to make simple yet protective face shieds at home," he said.

How did the idea of making face shields come up?

While buying bedsheets for the face masks, I was shocked to learn that face shields made up of a plastic layer with a fibre like headband were sold for Rs 550 in medical shops.

I came back home with the pictures of the shield and referring the pictures I made my own face shield. The final product I made at home cost me Rs 80. Moreover, the shields are reusable, scratch proof and water proof and it can protect the doctors or the police staff directly from the saliva or the droplets of the COVID-19 patients.

Vishal Kalage has been working as a mail express guard at Miraj with Central Railway's Pune division since the last 11 years

How did you manage the expenses?

My wife and my mother helped me a lot and supported me. In the beginning, we used our little savings to make masks and face shields at home. But as the good word spread, our friends and family came together and contributed and soon I had Rs 14,500. This amount was used to make more face masks and face shields at home. The Railways also helped us by providing 10 linen blankets free of cost.

What precautions do you undertake to stay protected against COVID-19?

Whenever I come back home after distributing masks or have been out for personal work, I ensure to take bath. Before entering the house, I sanitise my bike and my shoes as I have small children and elderly mother, who is a heart patient. I take all these measure to make sure that no one should get contaminated and my family is safe and protected against COVID-19. I would request people to follow the hygiene instructions given by the government, stay home and be safe."

Vishal made the face shield at home at a nominal cost of Rs 80 

How do you feel now that you are able to contribute for a noble cause during such a crisis?

The feeling of helping people and the country during the coronavirus crisis cannot be expressed in words. All I know is that at night, I sleep with deep satisfaction and happiness.

Rs 80
The cost of face shield which Vishal Kalage made at home

4,500
The number of face masks the Kalage family stitched and distributed free of cost

150
The number of face shield he made at home

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The Maharashtra government has appealed to all central government departments to make available their hospitals for the treatment of COVID-19 patients in the state. "Anticipating higher numbers of patients in the coming days, Maharashtra govt has appealed to all Central govt departments like Railways, Port Trust, Army, Navy etc to make available their hospitals for treatment of COVID patients in Maharashtra," said a statement from Maharashtra Chief Minister's Office (CMO).

As a part of planning, the State Government has requested hospitals, institutions & buildings under the management of the Railways, Mumbai Port Trust, Indian Army, Navy and other Central Gov. undertakings to make their facilities available across Maharashtra.

— CMO Maharashtra (@CMOMaharashtra) May 6, 2020

According to the Maharashtra CMO, "Chief Minister Uddhav Thackeray is himself in talks at the highest level in central govt." A CMO press note confirmed that the Maharashtra government has set up several quarantine and isolation centers at Mahalaxmi Racecourse, Nehru Planetarium, Bombay Exhibition center, Richardson and Cruddas company and at various other places in the state.

But as the Center has warmed about a spike in cases during May, Maharashtra wants additional ICU beds and other medical facilities. So it has requested the central government departments which have hospitals in Maharashtra to make them available for the treatment of COVID-19 patients.

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Hollywood actor Johnny Depp has stepped into social media by joining Instagram to share a special message for fans affected by the COVID-19 pandemic.

The "Pirates Of The Caribbean" star made his debut on the platform on April 16 by sharing a photograph of himself sitting on an old wooden bench in what seems like a cave, surrounded by candles and lights.

"Hello everyone... filming something for you now... gimme a minute," he captioned the image.

 

 

 

View this post on Instagram

A post shared by Johnny Depp (@johnnydepp) onApr 16, 2020 at 7:12am PDT

Depp gained 600,000 followers just three hours after creating the account, reports aceshowbiz.com.

A representative for the official account of his band The Hollywood Vampires and member Joe Perry both left comments featuring similar emojis on the comment section.

Moments later, the actor came back on the photo-sharing website and posted a piece he'd been filming.

A video message, which started like: "Hi everyone, hello to whomever might be out there in ether-land receiving this transmission. This is my first experience within the world of social media. I've never done anything like this before. I don't think I've ever really felt any particular reason to, until now."

"Yeah, now is the time to open up a dialogue as the threat of this invisible enemy has already caused immeasurable tragedies and enormous damage to people's lives. People are ill and without care, people are getting sick, fighting for breath and dying at frighteningly high rates."

Depp went on to reference those who have lost their jobs and others living on the streets "with no shelter or option of self-isolating at all".

"So I feel we need to try and help each other through these hard times, these trying times, for those we love, for our community, for ourselves, for the world and for the future."

He concluded his first Instagram message by thanking fans for "your kindness, your unwavering support and your strength over these years. I am touched beyond words."

The actor then shared his version of musician John Lennon's "Isolation" saying that "there's more to come" and noting that he hoped fans would "enjoy our version."

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The Duchess of Sussex Meghan Markle made her first TV appearance on Monday since stepping down as a senior member of the British Royal family alongside her husband Prince Harry. According to Us Weekly, Markle's appearance on 'Good Morning America' was pre-recorded. The clip was to promote 'Elephant' the Disneynature documentary the 38-year-old narrated for the Disney+ streaming service.

The 'Suits' actor said in the interview which was recorded in the summer of 2019, "I'm really grateful to have the opportunity of bringing the story of elephants to life."

"I've been very lucky to be able to have hands-on experience with elephants in their natural habitat. When you spend time connecting with them and the other wildlife, you really understand we have a role to play in their preservation and safety," she continued.

"I hope that when people see this film they realise how connected we all are, and if we had more of an awareness about the obstacles we're facing, I think we'd take care of each other, this planet and animals in a very different way," shared the Duchess of Sussex.

The 35-year-old couple Markle and Harry initially moved to Vancouver Island in Canada with their 11-month-old son Archie before relocating to her native Los Angeles.

The couple, back in January, announced they will take 'a step back' as senior members of the royal family and instead work independently, splitting their time between the United Kingdom and North America.

The Duke and the Duchess of Sussex said their decision came "after many months of reflection and internal discussions."

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Late actor Irrfan Khan not only proved his acting mettle in Bollywood but has also left a mark over Hollywood cinema with his class-apart acting skills. Several Hollywood filmmakers on Wednesday paid tribute to the legendary actor and mourned the loss.

Jurassic World director Colin Trevorrow took to Twitter and expressed his grief over Irrfan's demise. "Deeply sad to have lost #IrrfanKhan. A thoughtful man who found beauty in the world around him, even in pain. In our last correspondence, he asked me to remember "the wonderful aspects of our existence" in the darkest of days. Here he is, laughing," he wrote.

Have a look right here: 

Deeply sad to have lost #IrrfanKhan. A thoughtful man who found beauty in the world around him, even in pain. In our last correspondence, he asked me to remember “the wonderful aspects of our existence” in the darkest of days. Here he is, laughing. pic.twitter.com/8eAsSOO9Ie

— Colin Trevorrow (@colintrevorrow) April 29, 2020

American filmmaker Ava DuVernay also paid tribute to the late actor. "A grateful fan of #IrrfanKhan here. Gone too soon. When he is on screen, you can't take your eyes off of him. He lives on in his films," she said in a tweet. Take a look:

A grateful fan of #IrrfanKhan here. Gone too soon. When he is on screen, you can’t take your eyes off of him. He lives on in his films. pic.twitter.com/aA9RAjsxSl

— Ava DuVernay (@ava) April 29, 2020

Irrfan appeared in several international films such as Jurassic World, Inferno, Life of Pi, Slumdog Millionaire and others, over the years.

The actor passed away at Mumbai's Kokilaben Hospital on Wednesday while battling rare cancer. He was 53. Khan was last seen on screen in 'Angrezi Medium'. He was not a part of the film's promotions owing to his ill health.

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Work from home is not ending any time sooner, and nor is boredom! Online meetings, Skype calls, turning your bedroom into a conference room, everything has been done now. As the lockdown extends, we are here to share some good shows which highlight workplace fun. While some are still running successfully to tickle our funny bone, and a few are long forgotten. So, let's take a look at them right away!

The Office:

 

 

 

View this post on Instagram

A post shared by The Office (@theofficeus) onOct 29, 2014 at 6:09am PDT

How can anyone miss out on this one? Dark humour, mockery on people who work together, same place, same people, for numerous years, The Office was not only loved and appreciated by many that time but is still considered as one of the classics. Steve Carell's over-the-top behaviour, John Krasinski's witty responses, everything in The Office is outright hilarious. It is currently streaming on Amazon Prime Video.

Grey's Anatomy:

This medical drama is extremely relatable? Courtesy, the doctors are always in the hospital. Working nonstop for god-only-knows how many hours. Do they get some sleep? Yes, in-between, on the stretcher! People who are workaholics will surely relate to the world Meredith Grey and her 'people' belongs too. 

Ugly Betty:

For all the Indians, this one might be a familiar show but with a different name. Do you remember Mona Singh's 'Jassie Jaisi Koi Nahi?' Yes, it was a remake of the popular American show, Ugly Betty. Do we need to say anymore?

Silicon Valley:

 

 

 

View this post on Instagram

A post shared by Silicon Valley (@siliconhbo) onNov 12, 2019 at 7:39am PST

Available on Disney+ Hotstar, Silicon Valley shares the story of a few geeks, living in Silicon Valley and cracking a big deal out in their startup. The entire journey to make it big in the world filled with some great brains and massive competitors, Silicon Valley has to share its struggles in the world of successful people.

Superstore:

Have you ever imagined the life of the store-runners? Exactly! It's not easy. They have to handle the crowd, look after the supplies, arrange, rearrange and reorganize everything in every single aisle. It is difficult! Yes! And that is what Superstore is all about.

Fun, isn't it? The workplace is fun!

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Casting couch is a reality in the film industry and time and again some of the celebrities have shared their experience regarding the same. Sherlyn Chopra has also been on the receiving end of it.

Sherlyn Chopra in an interview with an entertainment portal revealed that at the initial stage of her career when she would approach filmmakers with her portfolio they would ask her to meet them for dinner at around 11 or 12 in the night. At first, Sherlyn said that she was clueless and took time to understand that filmmakers do not have a professional dinner in mind. She said that dinner means compromise for them.

Sherlyn said that once she understood the intentions of the filmmakers she would politely let them know that she was not interested. Sherlyn then started telling filmmakers who approached her with dinner that she does not have dinner and asked them to invite her for breakfast or lunch and they would never respond.

Sherlyn has acted in films such as Jawani Diwani: A Youthful Joyride, Dil Bole Hadippa! and Red Swastik.

ALSO READ: Ayushmann Khurrana recalls a casting couch incident from his early days in Bollywood

Gold has indeed proven itself as an effective hedge against any downside risk. It has seen a sharp rise in the price rally since the first case of Novel Coronavirus was reported in November 2019.

In the beginning of March, gold prices fell marginally, however it is on the upswing and has retained its level above Rs 40,000 per 10 grams.

Graph: Gold's rising uptrend

Gold started to ascend last year when the US and China trade talks began and escalated in trade war, followed by similar trade wars of the US with other nations.

These events have proved to be favourable for the momentum of the price of Gold. It played its role of a crucial hedge and store of value when other asset classes had witnessed high volatility and posted marginal returns.

Some of the other factors that have supported gold are...

• The outbreak of COVID-19 with no evident containment yet
• Economic uncertainty and fears of a virus-led global recession
• Global GDP growth revised downwards and for across regions
• Easy monetary policy action (of reduction in interest rates and stimulus packages) and an accommodative stance adopted by the central banks across the world to support growth
• A crash in the oil markets due to lack of demand and excess supply with storage problems
• A record-high global debt-to-GDP of nearly US$ 255 trillion (over 322% of global GDP) - 40 percentage points higher than at the onset of 2008 global financial crisis according to the Institute of International Finance (IIF), as the world is fighting the COVID-19 pandemic
• The US Presidential elections later this year, in November 2020
• Increased stock market volatility
• The potential risk to the inflation trajectory.

[Read: Coronavirus Has No Antidote. Your Bad Investments Could Have.]

Besides, the lockdown brought upon due to COVID-19 pandemic is going to hurt the economy for a couple of quarters badly which will amplify the credit risk. The economic activity will slow grind to full capacity, prompting furloughs and pay cuts, and job losses across sectors, which will affect the credit line as the number of defaulters will rise because cash strapping will be seen.

Recognising the risk stemming from the bottom hit economy, where the growth projections by the IMF are almost 1.9% due to the CoVID-19, the NPAs of banks and NBFCs are expected to increase.

[Read: How the COVID-19 Extended Lockdown Has Made Investments in 'Banking Funds' Very Risky]

Until the COVID-19 pandemic is contained and economic uncertainty prevails, the spotlight will continue to be on gold owing to the financial uncertainty it brings along. Even the IMF Global Financial Stability report highlights an increase in the level of risk among multiple global metrics and, therefore, the importance of owning gold in one's portfolio.

Hence, in my view, in the current situation consider allocating some portion of your investment portfolio to gold and its equivalents. This year buying gold in a physical form from your preferred jeweller or gold merchant may not be possible amidst the COVID-19 extended lockdown. But you can always consider Gold Exchange Traded Funds, Gold Saving Funds, Sovereign Gold Bonds, and/or Digital Gold, which are smart and unconventional ways of investing in gold.

Recently the Government of India, in consultation with the Reserve Bank of India, decided to issue Sovereign Gold Bonds. The Sovereign Gold Bonds will be issued in six tranches from April 2020 to September 2020 as per the calendar specified below:

Each of the tranche is offered for a limited subscription period, having a maturity tenure of 8 years and a lock-in period of 5 years

With an initial investment amount of Rs 20,000, resident individuals, Hindu Undivided Families (HUFs), Trusts, Universities and Charitable Institutions can subscribe to SGBs. The application can be also made by the guardian on behalf of the minor. One can purchase units from the secondary market as well.

The issue price of the SGB will be Rs 50 per gram less than the nominal value when applied online and the payment against the application is made through digital mode.

On maturity, the Gold Bonds shall be redeemed in Indian Rupees and the redemption price shall be based on a simple average of the closing price of gold of 999 purity of previous 3 business days from the date of repayment, published by the India Bullion and Jewellers Association Limited.

In order to encourage passive but direct gold investment, as an alternative to purchasing physical gold, Modi led Government sanctioned a Sovereign Gold Bond Scheme in November 2015. Under this scheme, investors have to pay the issue price in cash and the bonds will be redeemed in cash on maturity. The Bond is issued by the Reserve Bank on behalf of Government of India.

With the Sovereign Gold Bond Scheme, the risks and costs of physical storage are eliminated. Plus, it is free from issues like the costs of making charges and purity, as in the case of gold in jewellery form. But these bonds are held in the books of the RBI, or in demat form to eliminate even the risk of loss of scrip, etc.

Sovereign Gold Bonds will generate market returns linked to the price of gold, so there may be a risk of capital loss if the market price of gold declines. Moreover, these bonds will provide interest income at the rate of 2.50 per cent (fixed rate) per annum on the amount of initial investment to investors and will be redeemable.

The minimum investment allowed is 1 gram, while the maximum buying limit is a subscription of 4 kg for individuals, 4 kg for Hindu Undivided Family (HUF), and 20 kg for trusts and similar entities notified by the government from time to time per fiscal year (April - March).

These bonds are sold through offices or branches of Nationalised Banks, Scheduled Private Banks, Scheduled Foreign Banks, designated Post Offices, Stock Holding Corporation of India Ltd. (SHCIL), and the authorised stock exchanges, either directly or through their agents.

Do note, that the interest on the bonds is taxed as per the provisions of the Income-tax Act, 1961. If you hold the SGB till maturity the capital gains tax on redemption of SGB is exempted. But if you sold the bond in the secondary market after three years, long term capital gains (LTCGs) tax is applicable and it will be taxed at 20 per cent with indexation. And if sold before three years, a short-term capital gains (STCGs) tax will be applicable according to the income tax slab.

What should the investors do?

Defeating the Coronavirus and surviving is everyone's core focus and having liquidity, those who have an adequate contingency fund are looking for investments.

Equity and debt markets are yet to see any signs of revival despite the stimulating relief measures provided to uplift the slowing of economy but investing in gold can prove to be worthy for your portfolio.

[Read: What Could Be the Potential Impact of a Lockdown on Your Mutual Fund Portfolio? Know Here...]

Even the bond prices were at all-time lows, which are inversely proportional to gold as well. In my view allocate at least 10-15% of your entire investment portfolio to gold and hold it with a long-term investment horizon.

Remember gold offers an effective hedge during global uncertainty and a shield against inflation. Most importantly in your portfolio, it serves as a diversifier.

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.

Last month, SEBI had asked credit rating agencies not to consider any delay in payment of interest or principal loan amount arisen solely due to the nationwide lockdown conditions as a default.

The stress in the Indian mutual fund industry due to the pandemic impact deepened after Franklin Templeton MF decided to wind down six of its debt schemes. The lack of liquidity and redemption pressure compelled FTMF to take the extreme step.

In this economic environment, Mutual Fund houses are concerned about companies that are likely to delay and default in payments. Many companies have sought deferment/rescheduling of payment due to COVID-19 related disruptions. In order to minimize the resultant damage, market regulator SEBI recently provided temporary relaxation in valuation norms for instruments mutual funds hold.

SEBI has asked valuation agencies to avoid treating delays in payment of interest/principal or extension of maturity of a security as default for the purpose of valuation of money market or debt securities held by Mutual Funds, if it has been caused solely due to COVID-19 pandemic lockdown and/or in light of the moratorium permitted by RBI.

[Read: Will Mutual Fund Houses Act Against Companies Approaching Courts To Prevent Rating Downgrade Amidst COVID-19?]

"In view of the nationwide lockdown and the three-month moratorium/ deferment on payment permitted by RBI, a differentiation in treatment of default, on a case to case basis, needs to be made as to whether such default occurred solely due to the lockdown or loan moratorium", SEBI circular said.

SEBI has stated that in the above mentioned scenario, if there is any difference in the valuation of securities provided by two valuation agencies, the conservative valuation shall be accepted. This revised norm will be in effect until the RBI's period of moratorium.

However, AMCs shall continue to be responsible for true and fairness of valuation of securities.

Mutual fund houses have to mark the value of their assets based on valuations provided by valuation agencies appointed by AMFI.

At present, a debt or money market security is classified as 'Default' if the interest and/or principal amount has not been received on the day such amount was due; or when such security has been downgraded to 'Default' grade by a credit rating agency. Default denoted that the security is below investment grade.

This leads to mark down of the respective security and thereby impacts NAV of the scheme.

SEBI's move provides some relief in this regard. It will ensure that all fund houses follow a uniform approach while dealing with defaults/delay due to COVID-19.

Will it make investment in debt fund safe?

SEBI has not yet provided any moratorium on commercial paper and corporate bond repayment. According to a report published in Livemint, Rs 1.5 trillion worth of commercial paper and corporate bonds will be maturing in the first quarter.

As mentioned earlier, AMCs shall continue to be responsible for true and fairness of valuation of securities. But in the absence of rating downgrade from valuation agencies, fund houses cannot side-pocket their exposure to a defaulting company. Therefore, we may still see some write-offs if the AMC finds recovery to be difficult even after the relaxation period.

COVID-19 has impacted businesses across sectors. Some sectors such as NBFCs were under stress even before the pandemic. The default risk has thus amplified.

The relaxation of valuation would delay the issue, but downgrades would arise subsequently. Spike in number of side pockets (by fund houses) may thus become imminent.

My colleague, Rounaq, rightly mentioned yesterday, losses the investors suffer will be directly proportionate to the stress, pressure mutual fund houses and their investors will face. Eventually retail and High Net-worth Individuals, particularly, will lose confidence and may not be keen to invest in debt funds.

What should investors do?

In these uncertain times, it would be wise sticking to liquid funds and overnight funds for the fixed-income part of your portfolio and avoid funds that take higher credit risk. Alternatively, if you prefer safety of capital, invest in Bank fixed deposits.

Choose a fund house that follows prudent investment process and stringent risk-management system.

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

SEBI has time and again taken steps to tighten norms for debt funds. As an investor, if you take portfolio risks, align it with your own risk appetite and financial objective.

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

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

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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For mid-air thrills
If you love the rush of adrenaline, sign up for Sky Waltz Balloon Safari near Pune (also available at Kamshet). Spend an hour in the air in a hot air balloon, where organisers can also make special arrangements for a planned marriage proposal or birthday celebration. It's run by licensed commercial hot air balloon operators authorised by the Directorate General of Civil Aviation.
On: date as per choice meet
At: Hotel Orritel, Talegaon.
Log on to: insider.in
Cost: Rs 6,800 onwards

For an aerial view
If your partner is bored of exploring the same old sights in the city, book a view from the top in a helicopter joyride. On offer are 10- to one-hour rides with routes that will cover the Bandra-Worli Sea Link, Dadar, Mahalaxmi, Haji Ali, Girgaum Chowpatty, airport, Filmcity, Pagoda, Marine Drive and other attractions.
On: date as per choice
Meet at: Juhu
Log on to: accretionaviation.com
Cost: Rs 8,250 onwards

For lilting tunes
If you are a music buff, take your beloved to scout for old records at The Revolver Club, which has a vast library of vinyls from various genres. You can also head to the chaotic Chor Bazaar to scour for rare music finds. With your musical gift sorted, head to the historic Royal Opera House and attend a jazz performance by Karim Ellaboudi on piano, Adrian D'Souza on drums, Dee Wood on bass, and Shreya Bhattacharya on vocals.
At: The Revolver Club, Mahim; Chor Bazar, near Bhendi Bazaar; Opera House, Girgaum.

For a brush with the sea
Pick a day to explore the harbour of the city in an open sail boat by Small Steps Adventures. The weather makes it the perfect time to set sail before the summer starts. Pack a picnic basket and make it the perfect date with goodies cooked by you for your other half.
On: date as per choice
Meet at: Jetty no 5, Colaba.
Log on to: eventshigh.com
Cost: Rs 4,500 onwards

For a heritage class
If you dig the past and want to learn more about the city's ancient history, hike to Kanheri Caves in the heart of Sanjay Gandhi National Park. These rock-cut Buddhist monuments date back to 1st century BCE - 10th century CE. Another option is a ferry ride to the Elephanta Caves, a UNESCO World Heritage Site off the harbour, that house Hindu and Buddhist relics, the Trimurti relief (in pic) being the most popular sight.
How to reach: Take a train to Borivali (East, for the National Park); hail a taxi to the Gateway of India from CSMT or Churchgate (for a ferry ride to Elephanta Island).

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Are you really bored of the routine and look to have a fun-filled vacation? Here your quest ends as the Good Friday long weekend is approaching and then you can plan to have some adventure for your lifetime. Though our country offers a vast number of adventure activities, it is always difficult to choose one out of them. It is really important to decide a right adventure sport at a right place to have the best utilization of your vacation. In order to help you we have list down some of the best places for you to consider this long weekend. We promise that these sports not only stimulate adrenaline rush but also help you to become fearless:

Bungee Jumping in Rishikesh
Bungee Jumping is an exciting and thrilling adventure sport. It is an ill-advised sport for the faint hearted. You might be surprised that though a lot of people take the initiative to try it out, but most back off just before the jump. First a long, extremely strong and stretchy cord is tied around the jumper's ankle, which leaps off of the jumping point. Jumpin Heights offers adrenaline-pumping activities such as Bungee Jumping, Flying Fox, and Giant Swing. Recognised by Ministry of Tourism, Govt. of India, the organization follows Australian and New Zealand Standards for Safety Regulations. Built above the glorious river Ganges, Jumpin Heights is host to India's first highest Bungee jumping platform (83 meters).jumpinheights.com

Wildlife Safari in Ranthambore National Park
For the wildlife adventure enthusiasts, Ranthambore National Park in the Sawai Madhopur district of Rajasthan is a celestial destination. Known to be one of the best parks to spot the majestic Indian Tigers, the park is also the home to several other endangered species. The Ranthambore wildlife sanctuary is popular for being India's largest National Park. It encompasses the Sawai Man Singh Sanctuary and the Keladevi Sanctuary and hence covers approximately a stretch of 1300 Sq. Km. The park welcomes all you adventure enthusiasts, wildlife photographers and nature admirers to be awe struck by its glory

Cycle Trekking in Himalayan
The mountainous region delivers a special kind of excitement to the adventure junkies. The great topography of India will let you experience this excitement. For cycle trekking, the Himalayan range and the mountainous regions of Kerala are the most favorite for the activity. One can ride individually or in groups to rejuvenate their senses.

Desert Camping in Jodhpur
For those, who crave for fun and adventure in the arid deserts of Rajasthan, Jodhpur proves to be an ideal destination. Also known as the 'Sun City', the adventure junkies can opt for desert camping along with bonfire, barbeque dinners and village tours in Jodhpur.

River Rafting in Rishikesh
The gushing waters of Ganges makes river rafting in Rishikesh one of the most exhilarating adventurous sports. Embraced by the majestic Himalayas and enveloped by the lush green vegetation, the divine city of Rishikesh invites all you adrenaline Junkies, to encounter some thrill. The Ganga River flowing through the city offers rapids ranging from Grade-I-V and makes it for an ultimate rafting destination in the country.

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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

After travelling for hours, people look forward to settle down in their hotel rooms, away from dirty transport and several air-borne diseases.

However, not many are aware that the sigh of relief is far from being true.

Hotel rooms are often filled with viral diseases and infections. In order to beat them, here are some tips to create a healthier environment in your hotel room.

1. Raid the bed bugs- Stripping down your bed of its linen and checking for bugs might do the trick. Travel and Leisure also suggests examining the upholstered furniture, curtains, and headboard for the little termites.

2. Ditch the bedspread- Just because bedspreads can be laundered does not mean they often are. Reneta McCarthy, a former housekeeping manager for a major American hotel chain, told CNN that hotels may not switch out the duvets when they are providing fresh top sheets. Your best bet is to play it safe and store the comforter or duvet in the closet

3. Disinfecting commonly used items- Carrying antibacterial wipes in your luggage can be your best bet. You can use them to disinfect most commonly used items such as door handles, light switches, toilet flushes, telephones, television remote, faucets, bedside tables and such.

4. Opening the window- Sometimes, hotel rooms are full of still air which is often full of air-borne bacteria - due to lack of proper ventilation and air circulation. Opening the window improves circulation and invites fresh air. Also, opening a window can help you adjust to the local time zone.

5. Avoid using in-room glassware- Try and use plastic wrapped cups or opt bottled water, if available. There are many times when proper cleaning and sanitisation of used glasses is not ensured in hotels.

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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

So far, 70 Indian words have made their entry into the Oxford dictionary, including jugaad, natak and chup along with desi delicacies such as gulab jamun and keema. Last month, the Oxford Dictionaries decided to go ahead and announce its decision to include another Hindi word, this time something that resonates with 2017. It can be a word or a phrase that reflects the mood and preoccupations of the year. It called on Hindi speakers across the country to help in the task. Following suggestions from the people, the word will be chosen by the Hindi Dictionaries team at Oxford University Press (OUP) along with an advisory panel of language experts, next month. We, at Sunday mid-day, decided to do our bit, by reaching out to people connected to the language to share their top nominations.

AADHAAR
Picked by: Varun Grover,
comedian and writer of Masaan
A word that was supposed to instill faith in the citizens, has become an irritant at best, given the constant threats by banks and phone companies [to link bankc accounts,etc. to Aadhaar]. It gets worse because of the impending invasion of privacy it so arrogantly wants. What's left is us waiting for it to be linked to the atmosphere so that oxygen supply to non-complying citizens can also be cut off.

MAST
Picked by: Ishita Moitra,
dialogue writer for Noor, Half Girlfriend
I looked up the meaning of 'mast' in the Oxford dictionary and it said, a tall upright post, spar, or other structure on a ship or boat, in sailing vessels generally carrying a sail or sails. Certainly not, what Akshay Kumar had in mind when he sang to Raveena Tandon in Mohra. So I decided that mast would be my submission. It's an pan-India word. It simultaneously means cool, awesome, sexy, entertaining, and indicates a state of happiness and ecstasy. It can also be used to describe everything from Virat Kohli's shot, to the new Varun Dhawan film or a spirited aunty at a sangeet function. Originally a Persian word that means intoxicated, mast was usually used to denote a state of spiritual euphoria. Now, it is often used to signify someone who is high on life. The slowdown of the economy, censorship, the rise of extremism - 2017 has been dark, and we are in dire need of some mast-ness.

DHAAKAD
Picked by: Ian Ibex,
Hindi rapper
Dhaakad is used for someone who is powerful and strong, someone people are afraid of even. This year we have seen hordes of women take on sexual offenders. Whether it was through a Facebook or Twitter post or the #metoo campaign, there was a certain fearlessness associated with responding to sexual harassment. This bravado was the highlight of 2017.

SAAL GAYA EK, SHABD GAYE ANEK
Picked by: Dr Madan Meena,
folklorist and editor of The People's Linguistic Survey of India
I pick this phrase because I believe language dies gradually with the death of its vocabulary. Due to the imposition of dominant languages of commercial or political importance, minor languages die a lonely death. This year has witnessed growing support for Hindi to be scheduled as a national language. In contrast, I remember people like Shamshuddin Neelgar of Sawai Madhopur (Rajasthan), the dyer who passed away this year at the age of 95. With him, the names of more than two dozen colour shades and the technical words associated with his profession, in the Talheti language, are gone forever. Neither Hindi, nor any other dominant language can substitute them.

GST
Picked by: Kumud Chaware,
former political editor
Nobody, not even Hindi publications and regional newspapers, refer to it as 'vastu evam seva kar' which is the Hindi word for GST. If I look back, GST set the mood for 2017, and people began talking about it like it was a hurricane set to rip us apart. For instance, it was common to hear people say, “GST aane wala hai, yeh khareed lo; GST aane wala hai, wahan chale jao”, irrespective of whether you were aware of what it entailed. Funnily, most of us still haven't been able to wrap our head around whether this tax is beneficial or not.

TANASHAHI, ZULM AUR MANMANI
Picked by: Nadira Babbar,
theatre actor and producer of Hindi theatre This year, we saw so many arbitrary decisions taken by the government. While demonestisation was announced at the end of 2016, its effects were experienced right until now. If that wasn't enough, they rolled out GST which has disrupted the common man's life. Milk, which you earlier got for Rs 17, now costs Rs 28. We are suffering, because somebody in power has taken decisions without thinking through their consequences. This amounts to tanashahi, manmani.

JHUNJNA
Picked by: Qais Jaunpuri,
Writer and man behind popular storytelling show Aao Kahein Dil Ki Baat
The people of this country were already facing trouble because of the effects of demonetisation, but like a cherry on the cake, the government launched GST. It disrupted our lives. Moroever, cow politics took its worst form. We continue to see innocent people live in fear of violence. You never know what is coming your way, so you have be prepared for the worse and we must all be prepared to 'tackle'.

JUNOON
Picked by: Prateek Kuhad,
singer-songwriter known for bilingual lyrics
People around the world are uniting to fight racial segregation, gender inequality and support refugee rehabilitation. We still have a long way to go to entirely uproot these problems, and we find enough people on the other side of the fence disagreeing with what we say. Yet, it's inspiring to see a sizeable section of the people, of various genders, cultures, nationalities and race, come together to voice their opinion, and strive for a more evolved value system. These people are not driven by individual leaders, but by mass empathy for a cause. So, I pick the word junoon.

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Moshe Holtzberg praying with the Rabbi at Chabad House on Wednesday. Oren Rosenfeld, Israeli documentary maker, who flew with the family to Mumbai from Tel Aviv on Tuesday says the 11-year-old is aware of his past and what it represents. Pic Courtesy/Oren Rosenfeld

It's nearing 4.30 pm, and there's much activity at the Magen David Synagogue in Byculla. Carpets are being laid out and guests who will probably have to wait long are being offered tea and coffee. There's a lawn outside where - with the sun not at its shiniest best thanks to Mumbai's faux winter - a few tables and chairs have been laid out with white satin sheets that the brain registers as celebratory. In the midst of the activity, avoiding the scaffolds that still line the freshly painted blue walls of the 154-year-old synagogue, stands Devina Sankar, a Los Angeles resident who is in Mumbai on a three-week vacation. Looking into a Sony PXW-X70 handycam, she reminisces her school days spent next-door, where as a naughty student she'd often have her ears twisted. It elicits a sound of surprise from the man behind the camera, Oren Rosenfeld. An Israeli filmmaker, in India to document Mumbai's Jewish community, Rosenfeld is collecting several such accounts of the Jewish community's India experience.

In between interviews with his subjects, primarily Eddna Samuel (a Parel resident who Rosenfeld poetically calls the needle through which he will thread the narrative of his feature-length documentary), he points out that the synagogue, which is currently being prepped for the launch of a monthly magazine celebrating India-Israel ties and the Jewish community here titled, Namaste Shalom, is a Baghdadi-Jew synagogue. It's a community that most recall for its best-known Mumbai member, David Sassoon. "What's interesting here is that the Baghdadi Jews and Bene-Israelis [Jewish settlers in India who trace their history to the Lost Tribes] have come together. There are certain prayers in Judaism that cannot be conducted if there are less than 10 men. So, to fulfill that requirement, the Bene-Israelis come over to Baghdadi synagogues to up numbers," he adds.

Rosenfeld meets Baby Moshe's uncle Moshe Holtzberg at the Nariman Point home of common friend Suril Desai, also executive producer of the Mumbai Jews documentary. Moshe Senior, a Rabbi, lives in New York, and has flown in for the three-day visit of the family to Chabad House which he worked to ensure was not shut down. Rosenfeld says that while members of the Chabad House usually don’t mingle with other Jewish communities, the 26/11 attacks changed that in Mumbai, achieving the opposite. Pics/Atul Kamble

The timing of the magazine's launch, admits Rosenfeld, couldn't have been better. While the media seems to have almost given this a miss, just a few kilometres away Prime Ministers Narendra Modi and Benjamin Netanyahu are setting the stage for better economic and strategic ties between the two countries at Colaba's Hotel Taj Mahal Palace. "But, I don't think they planned it that way."

Almost as if answering a question unasked, Rosenfeld, who runs the Jerusalem-based Holy Land Productions and has worked on projects for the BBC and National Geographic, says "I don't need to be there [i.e. Colaba]. I already have great shots from yesterday." What Rosenfeld refers to is the almost exclusive access he enjoyed as a journalist to Baby Moshe, 11, whose parents Rabbi Gavriel Holtzberg and Rivka Holtzberg were killed during the terror attacks at Chabad House on November 26, 2008. Baby Moshe (referred to as such because he shares his first name with his uncle) made his first visit to Mumbai post 26/11 on Tuesday amidst much media frenzy. Rosenfeld was invited by the Holtzberg family (Gavriel and Rivka's parents) to travel with them on the flight from Tel Aviv to Mumbai last week, and later Baby Moshe's first steps into Nariman House after the time his parents were killed along with four others.

Devina Sankar, a Los Angeles resident in Mumbai on a three-week vacation, speaks to Rosenfeld outside the Magen David Synagogue in Byculla where the Namaste Shalom magazine was launched on Thursday. Pic/Sayyed Sameer Abedi

On putting the boy through this, Rosenfeld says, "Baby Moshe always has his four grandparents around him. Plus, there's a psychologist who travels with him. He is showing signs of awareness of his past." Rosenfeld, who has a young son the same age as Moshe, says, "In Judaisim, a boy is said to become an adult at the age of 13, which is when the Bar Mitzvah is held. Moshe is almost that age now."

Initially, shy, Baby Moshe soon became comfortable with Rosenfeld's presence. A photograph the filmmaker picks from his iOS gallery is of the child standing before a luggage conveyor belt at Mumbai T2 alone. "He stepped away from his grandparents and waited at the carousel to pick up his heavy bag," he says, about a symbolic scene.

Chabad House, says the 41-year-old filmmaker, across the world has represented a community that has stood away from local communities. "They are more traditional and have stricter kosher rules." What the Mumbai attacks did, however, was to bring all of the city's Jews together. "On Tuesday, at a local Jewish community event, Moshe's grandparents were invited to speak. This [members of a Chabad House mingling] doesn't happen anywhere. If the idea of the terror attack was to shake the community, it did the opposite. It only made them stronger."

Yet, this might only inform a small part of the documentary. Had it not been for the connection between the communities forged after the attacks, the two would have been separate entities. What he is looking for is a Mumbai Jew's life in the city. "In Israel you have a lot of Jews who have come from different countries. However, the ones from India still share a deep connect with the country. They are in touch with their families and return here for vacations."

The travel back and forth is important. Samuel, when the camera is turned away from her, expresses how a multi-entry visa would help everyone. But that's for the PMs' ears. For Rosenfeld's camera, she talks about the excitement of seeing an article, on her life and her community, appearing in Namaste Shalom. And, when that's done, Rosenfeld disappears into the sidelines and records the rest of the evening. A coffee he was drinking is hastily put to rest on the floor as a BJP dignitary he probably doesn't recognise makes a late entry.

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Raorchestes charius, Coorg

Looking for new subjects to shoot? Try dropping to the ground. That's where you will find the best true-life models for macro photography, suggests wildlife photographer Dr Caesar Sengupta. "Macro photography, which is producing larger than life images of small objects, is oriented around reptiles, amphibians and insects. While some insects and amphibians can be found in our backyards, reptiles aren't that common in an urban set-up," says Dr Sengupta.

He says the best times to shoot are before, during and immediately after the monsoon. "That's the time reptiles and amphibians come out. India has two biological hotspots - the Western Ghats, and the sub and eastern Himalayan region," says the expert, adding that, the quality of output from a dedicated macro lens cannot be compared to that achieved with a regular lens. Here's your guide to clicking small wonders.

Insectivorous plant, Kaas plateau

The macro checklist
* Take care of your gear and yourself in the rains, where the forest floor can be treacherous. Carry high ankle shoes or
gumboots.
* Macro photography is mostly done in low-light conditions - in the evening or at night. You need to have an external flash; organisms won't be bothered by it as their retina is not the same as ours.
* There are no venomous frogs in India, but you need to be careful with insects as they may bite or cause allergies. Personal protection is always important when entering a jungle. For reptiles, you need to know your subject well. You must know the striking distance of the reptile. It helps to travel with a biological or field expert.

Saw scaled viper, Bhagwan Mahaveer Wildlife Sanctuary, Goa. Pics Courtesy/Dr Caesar Sengupta

Top spots for hot shots
* Agumbe Rainforest Research Station in Karnataka is famous for king cobras and other species of reptiles and frogs. While the cobras aren't easily sighted, you can get permission to be a part of a rescue operation when the reptile has strayed into human territory. Dandeli and Coorg in Karnataka are also great spots.
* Bhagwan Mahaveer Wildlife Sanctuary in Goa is famous for various snakes such as Indian rock python, Russell's viper, as well as butterflies.

Indian Violet Tarantula, Goa

* Matheran is great for spotting green vine snakes, bamboo pit vipers, tarantulas and frogs.
* Within Mumbai, head to Sanjay Gandhi National Park (including Yeoor in Thane) and Maharashtra Nature Park in Mahim. Phansad, Bhimashankar and Amboli are must-visits, too. From September to October, head to Kaas plateau in Maharashtra to photograph insects and flowers.
* Thar desert is home to the Keeled rock, Sind sand, Persian micro and other geckos.

Representational Image

While Google Duplex, which lets AI mimic a human voice to make appointments and book tables through phone calls, has mesmerised people with its capabilities and attracted flak on ethical grounds at the same time, Microsoft has showcased a similar technology it has been testing in China.

At an AI event in London on Tuesday, Microsoft CEO Satya Nadella revealed that the company's Xiaoice social chatbot has 500 million "friends" and more than 16 channels for Chinese users to interact with it through WeChat and other popular messaging services.

"Microsoft has turned Xiaoice, which is Chinese for 'little Bing', into a friendly bot that has convinced some of its users that the bot is a friend or a human being. Xiaoice has her own TV show, it writes poetry and it does many interesting things," The Verge quoted Nadella as saying.

Xiaoice interacts in text conversations but now the company has started allowing the chat bot to call people on their phones.

The bot does not work exactly like Google Duplex, which uses the Assistant to make calls on a user's behalf but it holds a phone conversation with the user.

"One of the things we started doing earlier this year is having full duplex conversations. So now Xiaoice can be conversing with you in WeChat and stop and call you. Then you can just talk to it using voice," Nadella was quoted as saying.

Humans will be humans and the latest victim of humankind was Microsoft.

Two years ago, Microsoft launched an artificial intelligence (AI)-powered bot on Twitter, named Tay, for a playful chat with people, only to silence it within 24 hours as users started sharing racist and offensive comments with the bot.

Launched as an experiment in "conversational understanding" and to engage people through "casual and playful conversation", Tay was soon bombarded with racial comments and the innocent bot repeated those comments back with her commentary to users.

Some of the tweets had Tay referring to Hitler, denying the Holocaust, and supporting Donald Trump's immigration plans, among others.

Later, a Microsoft spokesperson confirmed to TechCrunch that the company is taking Tay off Twitter as people were posting abusive comments to her.

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With most people struggling with the Coronavirus pandemic-caused lockdown, staying upbeat is becoming a challenge.

Former Mumbai club cricketer and coach Kishore Harkisandas Kuvavala, 73, who is also a laughter therapist, is trying to make a difference albeit in the virtual space.

For the last 18 days, every evening at 6.30, Babulnath-resident Kuvavala goes live goes live from his Facebook account in an attempt to make people laugh and relieve some stress.

'Stress, a bigger threat'

He claims around 350 to 400 people join him live everyday for his fitness and laughter sessions. "Most people are worried about Coronavirus even if they are confined 24x7 to their homes. They are only watching and hearing about the pandemic during the day through various mediums. Corona will not be the biggest killer, but stress will surely have a huge impact on everybody.

There is nothing else left for people to talk about except Corona, it seems these days. So, I am trying to ease a bit of tension that's surrounding us today. Laughter is the best medicine. I have been championing this cause for over two decades now. I feel it can make a lot of difference to people especially in these times," a fit Kuvavala tells mid-day.

Kuvavala has always believed in leading an active life. He played competitive cricket on Mumbai's local circuit till he was 50. Kuvavala owes a lot to cricket. He got the Bank of Baroda job for his cricketing credentials. "I led the bank team too," he says with pride.

He played the famous Dr HD Kanga Cricket League in the 'A' Division for Young Maharashtra Cricket Club. He was also a Managing Committee member of the Mumbai Cricket Association in 1988-89 before taking up coaching.

Fitness first

Kuvavala decided to work towards spreading awareness on the importance of fitness after giving up the sport. In 1995, he began his journey as a laughter therapist, starting with lessons at Priyadarshini Park. Before the lockdown, Kuvavala and his group of 30 to 35 people would gather each morning at Chowpatty on Marine Drive for their dose of laughter. "Do we ever laugh at ourselves? When we do that, we laugh from the heart. There is an expression and feel involved in it. It is the best form of exercise. It fills you up with positivity," explains Kuvavala, who is often invited by top hospitals for laughter sessions. He also conducts laughter therapy activities for corporates. "I do that for a fee, though," he clarifies. "People nowadays have forgotten to laugh," he remarks.

With anxiety and sadness around due to the pandemic, all that Kuvavala wants to ensure is that people do not stop smiling.

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Former Pakistan cricketer Ramiz Raja has welcomed PCBs decision to ban Umar Akmal on corruption charges, saying the batsman has officially made it to the "list of idiots" and that people like him should be put in jail.

Umar has been banned by the Pakistan Cricket Board from all forms of cricket for three years after pleading guilty to failing to report match-fixing approaches.

"So, Umar Akmal officially makes it to the list of idiots! Banned for three years. What a waste of a talent! It's high time that Pakistan moved towards passing a legislative law against match fixing. Behind bars is where such jack a**** belong! Otherwise brave for more!!" Raza said in a tweet.

PCB informed about the ban imposed on Akmal on Monday on Twitter and said: "Umar Akmal handed three-year ban from all cricket by Chairman of the Disciplinary Panel Mr Justice (retired) Fazal-e-Miran Chauhan."

Umar, who has played 16 Tests, 121 ODIs and 84 T20Is for Pakistan, had earlier stated in an interview that he was offered money to skip matches against India. He had also revealed that he was asked to leave two deliveries in a match by the bookies.

"I was once offered $200,000 for leaving two deliveries. I was also offered to skip matches against India," Akmal was quoted as saying by GeoTv.

Umar's brother Kamran reacted to the three-year ban, saying that he was shocked to hear the decision.

"We will reach out to every platform for justice and will definitely exercise our right to appeal," Kamran was quoted as saying by GeoTv, adding that there are instances when punishments of lower degrees were allotted for similar charges.

"It is incomprehensible that why Umar Akmal is penalised so severely," he objected, adding that a detailed decision is awaited in this regard.

Umar had not requested for a hearing before the Anti-Corruption Tribunal after he was charged for two breaches of Article 2.4.4 of the PCB Anti-Corruption Code in two unrelated incidents.

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Feeling like a kid again, England batsman Jason Roy can't wait to get back on the cricket field but says it would make sense to postpone the T20 World Cup in October-November if teams don't get enough time to prepare for the mega event. All cricketing activities have come to a halt due to the COVID-19 pandemic and the future of T20 World Cup in Australia is also in doubt.

"If players aren't able to prepare in the right way and are not able to get over to Australia, then it makes sense to postpone it," Roy was quoted as saying by ESPNcricinfo. "But if it goes ahead, it's our job to play cricket - and if we're told we have three weeks to prepare to go and play in the World T20, all the boys will be putting the yards in to make sure we're ready for that.

"I think all the boys are on edge, waiting for the call saying, 'Right, we have a month turnaround or a six-week turnaround. Get in the nets and go hit some balls.' I think the boys will be as ready as they can be," said the 29-year-old opener. The England and Wales Cricket Board (ECB) too has suspended activities until July 1. While Roy is eager to be playing again, he said safety is paramount.

"I've got a huge amount of trust in the ECB. I think they will look into every single avenue of all the positives, all the negatives. So, I guess I would trust in what they say, probably have a chat with Morgs (Morgan) and see where his head's at and go with that. "I don't think I'll have too many questions, especially when it got to the stage of 'Right, we're going to play', because there'll be a lot of people in those meetings discussing whether it's the right thing to do or not."

Roy also has no issues in playing in front of empty stadiums. "I just want to play some cricket to be honest. I think for us to be able to go out there and play some cricket would be an incredible feeling. I feel like a kid again. "I guess we're governed by the government here, we don't really know what is going on or what the safety measures are. There's way bigger things out there. I'm more than happy to play behind closed doors, it would just be nice to get out there," he added.

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All of Chris Wallace's wedding bookings were either cancelled or postponed due to the Coronavirus, but the UK-based wedding photographer didn't let that deter him. Wallace took it upon himself to recreate a wedding ceremony using LEGO figures lying around his house. He named the bride and groom Florence and Fred, and spent many hours preparing for the wedding. He even staged several scenes and big moments seen frequently in Christian weddings and then proceeded to click photos of them. He used his experience capturing weddings to make it seem natural.

The bride getting dolled up for her wedding

The bride walked down the aisle with a Harry Potter figurine, whereas groomsmen Ghostbusters, Chewbacca and a 1980 Lego spaceman stood at the altar to support the groom. "I've found myself with quite a bit of free time on my hands and thought it'll be a fun thing to do," said the photographer to the New York Post. "The ceremony was held outdoors in the most gorgeous of settings, filled with the greenest of plastic leaves and most colourful plastic flowers," he added.

Posing for a family photo. Pics/carpediemphotographycheshire.co.uk/Chris Wallace

Wallace said: "I tried drawing upon the experiences I had with weddings, to capture the big moments while making it seem natural." As the lockdown is anticipated to last till June, he plans to do another shoot soon.

Girl, I want you real clean!

A New Yorker hung fliers to look for a 'germ free' partner during the Coronavirus crisis

Pic/New York Post

A single man from New York, who is looking for love, hung dating fliers across the city, saying that his potential lover must be healthy, fit and clean.

The man, identified only as Brad, also said in the flier that he is "seeking a girlfriend for Coronavirus and beyond." He describes himself as a healthy, attractive, and well-settled man, looking for "germ-free monogamy". "I was single when the lockdown began and was wondering how and when dating would be possible again," Brad told the New York Post.

"This is no time for casual dating or hook-ups, so I am seeking a long-term and exclusive relationship," he added. Brad said that he has already received responses from "high-quality women" and is looking forward to meeting some for six-foot-apart dates.

Papi Gudia 2.0

An area in Mexico City became one of the most searched addresses on Google Maps this week, after photos of a creepy, doll-covered house located there, went viral on social media. The post was first shared by TikTok user Fernando Mata, who was looking for creepy content for his social media. It later turned out that this was the address of a small esoteric shop, and the dolls were merely an advertising strategy to attract prospective customers.

This teen is a gender-bender

Pics/@puutan_318, Instagram

A Japanese 18-year-old boy, has been getting a lot of attention on the Internet for cosplaying as an Asian schoolgirl. Puutan, whose real name is reportedly Tatsuya, has been flaunting selfies in feminine clothes, as well as a long hair wig. He currently has over 27,000 followers on YouTube, and 23,000 followers on Instagram.

Mexicans want beer to survive quarantine

Mexico's decision to halt production of most non-essential products due to the Coronavirus pandemic, has led to a polarising debate in the country on whether beer should be considered an "essential" during lockdown. "Beer supplies should be guaranteed, because beer helps people get through quarantine on better terms," said the National Alliance of Small Business in a press statement.

Village gets ghosts to keep people indoors

Kepuh village in Indonesia has resorted to an unusual way to ensure that the locals stay indoors. Those who step out of their homes at night will have to face pocong—shrouded ghosts believed to represent the souls of dead people. The pocongs are actually volunteer youths trying to help maintain the lockdown.

Crime junkies can get rich in 24 hours flat

A video streaming service is seeking a true crime buff to make $1,000 (R75K) during the Coronavirus lockdown by watching 24 straight hours of documentaries. The chosen candidate will be given a pre-selected list of true crime documentaries to watch.

Bugging you

A swarm of bugs descended over a beach at Cayton Bay, Yorkshire, leaving locals stunned. The bugs, later identified as European Chafer Beetles, are said to have washed up on a few beaches in the area. The cause is still being investigated. "I was stunned to realise they were living creatures. There were just masses and masses of them," said Sue Weatherill, a local resident, to Daily Mail. Pics/@ChrisBull52, Twitter

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Xiaomi's Mi 10 competes fiercely with premium-end flagships from the Android universe -- both in terms of hardware and design. Here's why it could end up being a winner.

The upper house of the German parliament, the Bundesrat, has rejected certain tax elements of the Government's climate protection plan, including a reduction in value-added tax on long-distance rail travel.

On December 18, 2019, the mediation committee of the lower and upper houses of the German parliament (Bundestag and Bundesrat) announced an agreement on the Government's climate legislation, which includes several tax measures.

During a January 7, 2018, debate in the UK House of Commons, UK lawmakers discussed the country's plans to leave the EU, its customs union, and value-added tax area.

Hungary's 2020 Budget law is before parliament for approval. Most tax-related proposals would become effective from the start of 2020.

Highlights: Late bedtime may up obesity risk in kids Sleeping early at night and sticking to a good bedti

The Canadian Liberal Party has announced plans to reduce the income tax burden by raising the Basic Personal Amount.

On October 23, 2019, Slovenia's National Assembly adopted a package of tax measures which includes changes to corporate, personal, and capital gains taxes.

On June 28, 2019, the Swedish Government announced that it has begun the legislative process to implement European Union e-commerce value-added tax reforms.

European car manufacturers have called on governments to ensure that a new test for measuring vehicle emissions does not create tax distortions for new cars entering the market.

During a January 7, 2018, debate in the UK House of Commons, UK lawmakers discussed the country's plans to leave the EU, its customs union, and value-added tax area.

The EU has removed three countries from its list of non-cooperative tax jurisdictions and added a further three.

An agreement has been reached between the European Union and the United Kingdom on Brexit, which, if approved by UK lawmakers, would establish a transition period, until the end of 2020, during which EU law would continue to apply to the UK.

Legislation before Australia's parliament would make company directors liable for a failed company's GST liabilities in certain circumstances.

Unconscious food cravings were found to make bariatric surgery less effective for extreme obesity, stated new research that was accepted for presentation

Common ingredient in mouthwash could be damaging your teeth by turning your saliva more acidic, reports a new study. The findings of the study are published in the journal iScientific Reports/i.

World’s largest user of groundwater for agriculture looks to solar for a more sustainable future.  

Whether you work in a small office or a large commercial building doesn't mean your workplace can't be green. Creating a greener workplace is very simple

Claudia Sadoff, Director General of IWMI, argues that our efforts to mitigate the impacts of climate change and address food security could be counterproductive if we don’t pay more attention to water and its use.

Take a look at the satellite map below. That vast swathe of orange and red across northwestern India and Pakistan depicts crops that have ripened in the last couple of weeks.

Setting New Year's resolutions can be a frustrating proposition. It's disheartening to look back at old resolutions to see they've failed to take hold

Wise words for living a life of real meaning and joy this New Year 2020 have been revealed by CSU faculty experts in psychology, gerontology and palliative care.

Valentine's day (February 14supth/sup) is almost here, are you ready to surprise your partner with Valentine's day romantic gifts? Relax, instead

COVID-19 lockdown is making people to stock foods in bulk at home. Having a tight budget, food shortage and taking fewer trips to the grocery store are

Achieving food and nutrition security, reducing inequality, and preserving terrestrial ecosystems.

National and global goals are outlined by experts in a new report published in iCirculation/i to help people live healthier for longer. "We believe

World’s largest user of groundwater for agriculture looks to solar for a more sustainable future.  

Claudia Sadoff, Director General of IWMI, argues that our efforts to mitigate the impacts of climate change and address food security could be counterproductive if we don’t pay more attention to water and its use.