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Referring to his comments, Jaitley said, "GE's locomotive plant is a matter of great significance. "I have always said the current rate of 7-7. "We have a very noisy democracy. Elaborating, he said: "First is ease of doing business. "What is important is moving the things continuously and opportunities are huge. "Five years ago, it was all about BRICS and now it is about one country of this block. "We were expecting to grow over 8 per cent, but inadequate monsoons not only led to agriculture production falling but the consumption power of rural economy also got hit.. Emphasising that the reform process has a key role for states, the Finance Minister said: "We used to talk about cooperative federalism but I am happy to see now that states are competing with each other to attract investments."We are conscious of the fact that the government alone cannot do everything. General Electric Vice Chairman John Rice, who was also on the panel, said his group has a huge presence in India and for it, the country has been strategically important for a long time. But I am finding that there are more people who want to support the growth and the others are very minuscule minority. It was mostly due to states-related issues and therefore we have come out with a new programme for that."We, of course, have our own challenges.

No reform proposal has actually got stuck for long so far despite India being a 'noisy democracy', he said.".5 per cent. For 'Start Up India' campaign, "we had made preparations for about 2,000 people and we got requests from about 1. Rice also talked about a major project of GE that has finally come through after a wait of 20 years. At the session, CII Director General Chandrajeet Banerjee said India is indeed the bright spot in the world economy and it can very much become the next engine for the global growth." Stressing that opening up the economy completely is another area of focus, Jaitley said, Railways was one of the touch-me-not sectors, operated entirely by the government. Further, Jaitley said. The first tranche has been announced and the second would come in a couple of weeks," he said. He noted that there are broadly two areas "which I can still see are work in progress but I can't see a reason that they can't be concluded". Inviting foreign players to invest in the infrastructure space, he exuded confidence that the stuck reform measures like GST would go through as the numbers in the Upper House will change favourably soon. He added: "Two of the sectors, highways and sugar, have already started showing signs of turnaround.

"The paradox is that the party which drafted GST is not on board. We are concentrating on infrastructure and for the first time in history we have been able to rationalise the subsidies," the Finance Minister added. Public investment is one that we are doing. There is still head space that we have and I am sure we would be able to reach that," he said. There are certainly a lot of things that you would not like to have in a perfect world but the Indian story is going great. When government talks about 'Make in India', from our perspective it is becoming very real. "The clearance processes have been fast tracked in a big way, including for FDI proposals. I had earlier committed and now I am willing to add to the earlier proposal." Another area was image of India on tax issues and the things have changed on that front and nobody now talks about that, he noted. Jaitley said the second area is how to address the problems of affected sectors and the government has started work in this regard." He added. Jaitley was speaking at a breakfast session on 'India -- The next growth engine of the world', organised by industry body CII and consultancy BCG here on the sidelines of the Wayfinding signage Manufacturers WEF Annual Meeting.

In days to come India will have to focus on reviving private investments, Jaitley said, adding, "we are asking people from all over the world to become partners in India's infrastructure growth story". "India is a noisy democracy but I am sure that we would be able to get all of them through.. Another bottleneck was years and years (taken) for environmental clearances and that has been taken care of.5 per cent is not our real potential and we have potential to add 1-1." On Defence, he said it was "completely closed although most of the purchases were from outside the country. On GST, Jaitley said the good news is that all states are on board and all political parties, except one, are also on board. According to Rice, the pace of decision-making has improved in India. The government will be bringing down its equity to 52 per cent.. We have opened up that sector and a lot of activities are happening there". Some measures have got delayed but none of them have actually hit a complete road block," he added.5 lakh participants and I was left thinking whether we should have organised the event in a stadium rather than in an auditorium," he said. There are 55 per cent people in agriculture and that sector has not enough for these many people. It was a decision which was in waiting for a long time. When we talk about going faster, decision making processes, our experience is that the country which puts in place a clear vision is the one which gets the investment.

Noting that a series of reform measures are pending, Jaitley said some of these become symbol of whether India would be able to cross this obstacle or not. Then RBI has done well in pushing banks to start making the recoveries and the last couple of weeks have seen a flurry of activities on banks. According to him, people are eventually going to pay for the goods and services they want to buy and for the weaker sections technology would be used to ensure that the benefits reach the right target group.. The sector itself needs to be strengthened and then we had two bad monsoons. The time taken for setting up the business has been considerably reduced." On strengths of India, he said that more important than the large population that the world cannot ignore, what is working in favour of India is a large middle class, new skilled manpower coming up and the emergence of a new aspirational class. "In railway infrastructure, we have allowed private sector participation and the next they are going to raise funds through bonds etc. We are bringing weaker sections to the formal banking sector to help them become entrepreneur. Meanwhile, Jaitley said the financial inclusion programme has been a huge success and the response immense.

That was probably a wishful thinking at that time, but not anymore," Jaitley said. They had proposed to build plants in most backward of the states. A number of steps that we have taken will take us significantly up on the rankings of the World Bank and the WEF for ease of doing business. India has got the market, resources and all the ingredients to make it happen," he noted. Any economy needs multiple engines of growth," he said.No reform proposal has actually got stuck for long so far despite India being a 'noisy democracy' Davos: Confident of utilising the headroom available to the Indian economy, Finance Minister Arun Jaitley on January 21, said it needs some additional growth engines and the focus now is on reviving private investments. A lot of people are waiting to invest in India and this is the time to do it," he said. One critical sector is steel but the problems are mostly due to external factors.. "The second sector that caused stress to banks is the power sector... Once BBC's Mark Tully said there is no full stops for India. "In the past we had fewer such engines and we need a few more. "Most of the states that grow will actually add to the country's growth rate. But then the numbers in Rajya Sabha are going to favourably change soon and I am hopeful that the GST would be through," he added. Next, we are going to modernise the train stations and these are the causes that have been welcomed by the country. According to Jaitley, India is developing an entire eغير مجاز مي باشدystem to ensure that Indian companies start innovating and those innovative platforms are also used by foreign entities. "The time is now for India with the (Narendra) Modi government in place." To a question on problems in the banking sector, Jaitley said, "The public sector banks' issue has been piling up for years and the situation has now become that they have NPAs at a level that is a matter of serious concern". The government is committed to recapitalise the banks. There are three other sectors where there are problems. "We have started working on that. "I was thinking whether there should be a question mark or a full stop for the topic

"It is a common misconception that the snake is a symbol of evil in the West - that is not true. Growing up, he found himself immersed in the local traditions and beliefs of the villagers in Kannur, where he lived. The making of an artist lies in rising to meet challenges and refusing to give up even if it seems like the end of the road. One is by me, of course. Balan is at the National Gallery of Modern Art on Wednesday afternoon, where a group of young artists (his students) rush around to help set up. "A young artist is only allowed in my house after he or she has given me a portfolio of five original works," he says." By the entrance hang two very special works: The first, a Landscape in blue, is his first ever oil painting .

"It was part of a group show and a journalist covering the event mentioned it in his story, which was so thrilling for me!" This was back in 1963, four years before he joined the College of fine arts.These are where Balan&Galvanized stainless steel letter Signs039;s ritual photographs are on display - a first here in the city, which has never seen his proficiency with a camera. It has two very excellent essays in it. It's true, I do the welding myself! I'm being honest, no?"Sculpting in Time is home to a tremendous body of work, detailing Balan's progress over the last 60 years. In another ceremony, a man drinks the blood of a goat. "I want to impart my knowledge," he says emphatically. Every ancestral home had a deity of its own and Balan would appeal to the divine too, every time the opportunity presented itself. "Here, read this one. "The snake motif has always fascinated me, for it exists in every culture around the world," he continues. He hurries out his study and returns, holding a couple of catalogues. "All this is a process. From Salman Rushdie to Irving Stone, a Ramkinkar # Baij retrospective, books on ancient rituals and poetry line the glass shelves in his study; a row of birds' nests - Balan is fascinated by the weaver bird - are suspended on the wall facing the doorway.What: Sculpting in Time, a Retrospective of Six Decades of Balan Nambiar's Engagement with MaterialityCurated by: Sadanad Menon, catalogue designs and exhibit displays by RM Palaniappan When: Feb 4 to March 3, 10 am to 5 pmWhere: National Gallery of Modern Art, #49, Manikyavelu Mansion, Palace Road, B’luru. "Not too many people understand this process, that's why I will see to them," Eva remarks. Balan is at the National Gallery of Modern Art on Wednesday afternoon, where a group of young artists (his students) rush around to help set up. I want people to understand that I have not arrived here overnight. And in that moment, one almost imagines the fragrance wafting through the air as Balan Nambiar, one of India's most celebrated artists and sculptors, describes the forces that draw him back into the annals of Indian history, religion and art. Balan heads first to a corridor at the back - there is a stillness here, some distance away from the din that surrounds us. "I don't work for the layman. "I was about a month old when I was taken to my first Theyyam, where my mother made an offering in my name," he smiles. His is a philosophy of utter candour: "If people ask me what I do, I say I am a welder.

There is no room for VVIPs - apart from me, of course, I'm the VVIP!" Through it all, Balan returns to one point: The arduous journey itself. The enamels are made on a bass of copper, filled with powdered glass, colour and baked by layer, at varying temperatures. The Nagamandala or snake motif, Bhuta or masks, Theyyam and other rare rituals are subjects of research for Balan - these papers have been published by different sources across the world. "I would pray for good marks in an exam," he laughs, adding, "I got them, too!" It was perhaps, logical, that Balan would head back to ritual art that fascinates him so. These are where Balan's ritual photographs are on display - a first here in the city, which has never seen his proficiency with a camera. He agrees, quoting Picasso: A serious work of art is not meant for ignorant innocence. Samuel) The scents of tulsi and turmeric draw him in, making him feel like he is a part of the rituals he is there to see. Balan's work is rich in motifs, and references to ancient culture, rather beyond the grasp of layman, perhaps. Oil pastels and sketches - the latter series is comprised mainly of nudes, make up the adjoining section. "The sketches are all done with models," he points out.

"I don't expect them all to be artists," he says. "The act of wearing a mask is the point of departure from who we believe ourselves to be. These have been collected from around the world - he points out Japan, China, Africa and Sri Lanka. Over 2000 children have passed through his hands, with proteges like Pushpamala N finding international fame through art. Yes, I appreciate individuality, but I'd rather my audience met me on my level, rather than me having to stoop to theirs. The other, a pen and ink sketch, is Balan's first ever work, done back in 1957, which fetched him award some five years later at the Dussehra Exhibition. The students will breathe life into the exhibition: "I don't want VIPS boring anyone with speeches. It has been decades and decades of very hard work and constant learning. Balan also has an extensive body of enamel and jewellery enamel paintings, a craft he studied under Paolo di Paoli, regarded as the greatest enamel painters of the age." This ethic he laments, seems lost in the annals of time: he recalls an anecdote, one that's clearly displeasing, to elucidate. "I was asked to conduct a workshop for 15 art students and when I laid out my conditions, which included non computer generated images, not a single one showed up. The sculptures are made from cement, stone, bronze, mild steel and stainless steel. One wall is covered with intricate drawings of masks, another one of Balan's passions. "I will pack these on my own, I guard them jealously," she smiles. di Paoli's daughter, Balan's wife Eva, saunters into his study with cups of tea and perches herself atop a wooden crate of enamels. Even in the Theyyam ritual, the dancer wears his mask and meditates before a mirror to enter his trance. "They will, at the very least, become a perceptive audience.”A serious work of art is not meant for ignorant innocence." This is not meant to sound dismissive in any way - Balan has lived this philosophy for decades, conducting free art classes every week. He began with ink drawings, moved to charcoal, oil pastels, watercolours and finally, to oil painting. Sculptures lie spread out across the small compound to his house, where workers add a finishing coat of black paint."

He accepts, with total good humour, the burst of laughter that follows this remark. His own rise an artist was marked by hardship - despite the support of the late KCS Paniker, one of the pioneers of the Cholamandal art village. The contemporary and the ancient come together at Sculpting in Time, Balan's retrospective, a mammoth undertaking that will showcase 60 years of his work, curated by Sadanand Menon. In India, too, Shiva wore a snake draped around his neck, while Ganesha had one coiled around his stomach like a rope. My students are my VIPS." His oldest student is currently 57 years old, the youngest is seven." There are darker rituals, too - he pauses beside a photograph, saying, "This is something you will never see in your life!" A closer inspection reveals a man in a trance, biting the head off a live chicken, whose meat he would then consume. (Photo: R. "I'm sure a lot of people don't even know I do this!"The Theyyam dominates the set of photographs - it was Balan's first brush with Indian ritual art. I want the person to be elevated to my level through my art. At an earlier visit to his house on Nandidurg Road, when he was very much in the throes of his fascination with the lens, Balan and his DSLR weren’t easily parted "This is the first time Bengaluru is seeing my photographs," he smiles. Sculptures, still wrapped in protective plastic, stand imposingly in the centre of the room and the walls are already covered with paintings

"If the world slows down we will slow down as well," the government's chief economic adviser, Arvind Subramanian, told a news conference.The BJP performed poorly in elections in the eastern state of Bihar last year and faces polls in other major farming states West Bengal and Uttar Pradesh, due this year and next.2 billion) on the country's vast agriculture sector.Investors are looking for concrete initiatives to make it easier to do business and are also expecting an announcement on how to break the impasse over Modi's flagship Goods and Services Tax (GST) which has stalled in an intensely polarised parliament. "Our Public Sector Banks will have to be strong and competitive.Jaitley said the government would increase spending on the National Rural Employment Guarantee Scheme, which guarantees 100 days of employment on public works each year for any household that requests it..Stalled reforms:The ruling Bharatiya Janata Party (BJP) faces crucial state elections this year and next, when the plight of farmers suffering from falling crop prices and several years of drought will play a major role.This month the Jats, traditionally a farming caste, sparked riots in northern India to press their demands for better access to government jobs and education.5 percent of GDP in 2016-2017.

He also added that the process of transformation of IDBI Bank has already started.Union Finance Minister Arun Jaitley pledged to spend nearly Rs 36,000 crore to double the income of struggling farmers and also boost a rural employment scheme as he unveiled his annual budget on Monday under pressure to balance the much-needed spending with fiscal prudence. The ceiling of rebate u/s 87A raised to Rs 5,000 from Rs 2,000.India is now the world's fastest-growing major economy, but years of drought and a failure to create jobs for a burgeoning young population has left millions of rural Indians struggling and led to deadly protests in recent weeks.7 billion) in this budget," he added.

The Bank Board Bureau will be operationalised during 2016-17 and a roadmap for consolidation of Public Sector Banks will be spelt out," he said.Prime Minister Narendra Modi has made it a priority to boost India's economic growth, but investors have raised concerns about the pace of change and his right-wing government's third budget has been described as "make or break".21 lakh crore outlay, saying enhanced allocations coupled with reforms and steps will remove obstacles impeding the sector's growth. The budget will likely set aside billions of dollars for a proposed 23 percent pay rise for millions of civil servants and retired ones recommended by a pay commission.Despite a major push to boost manufacturing, farming remains by far the biggest employer in India and the sector is struggling after two years of weak monsoon rains.

It needs to perform well in those elections in order to push stalled economic reforms through the national parliament, where it lacks a majority. (Photo: Video grab)Presenting Budget for 2016-17 in Parliament, Jaitley said infrastructure is one of the strong pillars of economy and "exemplary" and "proactive" steps by government to remove hurdles resulted in India awarding highest ever road contracts in 2015 as well as highest ever sales of motor vehicles which are clearly "signs of growth"..Jaitely also allocated a major share to infrastructure that includes Rs 2.6 billion rupees (.Union Finance Minister Arun Jaitley (Photo: PTI)Union Finance Minister Arun Jaitley (Photo: PTI)"I have weighed the policy options and decided that prudence lies in adhering to fiscal deficit targets," he said.But feeble global demand has caused its exports to shrink for 14 months in a row and private investment remains weak.House rent deduction slab has also been raised from Rs 20,000 to Rs 60,000.Jaitley also hiked the surcharge by 3 per cent on earnings above Rs 1 crore,levied a pollution cess on petrol, diesel cars and SUVs and offered a one-time compliance window for domestic black money holders slapping a tax and penalty of 45 per centConsolidating public sector banks:Government will also unveil a roadmap for the consolidation of public sector banks (PSBs) which are expected to get an infusion of Rs 25,000 crore next fiscal, Arun Jaitley said today. They say they are struggling to make a living in farming.No change in tax slabs, but relief to those who earn below Rs 5 lakh a year. to give back to our farmers a sense of income security," Jaitley told Parliament as he presented his third budget.lok sabhaMembers of the Lok Sabha in Parliament during the Union Custom Blade Signs Budget presentation.75 percent in the next financial year, marking little change from this year's levels.Jaitley said a unified agricultural market would be launched on April 14 and soil health cards will be provided to all 14 crore farmers by March 2017.

That includes a major hike in spending on a rural employment scheme introduced under the last government and a pledge to ensure all the country's villages have electricity within two years.He also allocated Rs 15,000 crore for interest subvention on the farm credit, Rs 5,500 crore for the new crop insurance scheme and Rs 500 crore to boost pulses output.Economists had predicted the government would relax its commitment to rigorous fiscal discipline in order to boost spending.But Jaitley said it would stick to its ambitious target to cut the fiscal deficit to 3.For the tax payer:While there has been no change in personal Income Tax slabs, some relief has been given to those who earn below Rs 5 lakh a year.Pay hikes:The finance ministry had promised the 2016-17 budget would be "growth-oriented" in the face of a global climate that appears significantly more challenging than last year. First-time home buyers will get an additional deduction of Rs 50,000 on interest for loan up to Rs 35 lakh.The initiative would increase the income of farmers over the next five years through a series of measures including boosting a crop insurance scheme, increasing access to markets and a massive injection of funding to village councils.India is seen as a relative bright spot in the world economy, after a slowdown in China, collapsing commodity prices and recession in other big emerging markets sent stock indexes tumbling."For rural development as a whole I have allocated 877.Besides, the government may consider bringing down its stake in state-owed IDBI Bank to below 50 per cent.0 percent and 7

But it has studiously shirked from this, as philosophically the Rashtriya Swayamsevak Sangh too shares much of the misguided populism that emphasises indulging sundry citizen appetites rather than on investing in growth and the future. Since it’s a contrivance to balance GDP and GDI, the temptation to inflate it is real, particularly when you are desperate to show performance.

Too bad it was not announced by the Manmohan Singh government one year earlier because then the growth in its last year would have been a good-looking 6. Economists also know this item as the official fudge factor.57 million tonnes (mt) in 2013-14 to 257. Are we now seeing investment-less growth Another worrying ground truth is the widening discrepancy between sectoral growths and GDP growth.During the past two years, vast parts of India has been gripped by a severe drought. No wonder sales of bellwether industries like private and commercial vehicles and household appliances have shown an uptick. This is like the "miscellaneous" item in business accounting. Hopefully this will be the season of inflection for the Indian economy.The writer, a policy analyst studying economic and security issues, held senior positions in government and industry.9 per cent in the March 2016 quarter. Gross fixed capital formation (GFCF), which is the net increase in physical assets within a period, or very simply investment, is actually decreasing. A Crisil study for financial year 2016 tracking results of 642 companies representing almost 72 per cent of the NSE’s market capitalisation, shows profits rose by 16.9 per cent in Q2 and 29.4 per cent in Q4. Must we thank the Seventh Pay Commission and OROP for this There is something else that is very worrisome. Fudging data will only create an interim illusion of well-being. It fell from 265. Credit growth has declined from 9.20 per cent. So what is driving growth During the UPA period we seemed to have had jobless growth.Economies don’t shift trajectories easily and quickly. This should be a reason for much celebration, but the popular mood seems unmoved.9 per cent in Q4, while the services sector slowed from 9. This suggests that GDP growth is actually around 4. In the data released recently GFCF in Q4 is down by Rs 17,197 crore or contracted by 1. This is the sharp increase in a budgetary item called "discrepancies" These were Rs 143,000 crore in Q4 2016, while they were Rs 29,933 crore in Q4 2015; a difference of over Rs 113,000 crore.

Two things stand out in the latest set of Q4 data.2 per cent from the 7. Clearly, the prospects for investment are now brighter as Q4 results are heartening.9 per cent instead of the 7. Gross domestic product measures output as the sum of final expenditures — consumer spending, private investment, net exports, and government consumption and investment. There are visible signs of widespread distress in rural areas; the most visible manifestation is the rural migration to cities in search of jobs. Industry growth fell from 8. That will come by making investments in human capital and in productive job creation. Private final consumption expenditure (PFCE) has shown a smart spurt from Rs 71.6 per cent in Q3 to 7.2 per cent.2 per cent in the December 2015 quarter to 7.7 per cent in Q4. Moreover, government expenditure, while having increased by Rs 6,482 crore, has actually declined in comparison with Q4 in 2015 by about Rs 4,400 crore..Higher growth rates will happen, but for that the government must do the right things first.07 mt in 2014-15.9 per cent. Governments come and go, but it is the monsoons that still determine economic outcomes. For the statistical picture presented doesn’t seem to dovetail with the ground realities. Gross domestic income (GDI) measures output as the sum of the غير مجاز مي باشدts incurred and the incomes earned in the production of GDP. Only agriculture has reversed to trend from minus one per cent in Q3 to 2. This means the growth in "discrepancies" was very slightly less than the Q4 growth of Rs 127,000 crores in PFCE, or consumption.5 per cent to Rs 22,98,030 crore.

Let’s take a few important ground truths. This suggests that while some sectors are clearly back on the growth path, this Custom Color letter Signs Suppliers growth is being driven by segments of the population whose incomes have grown sharply in recent times.3 per cent in Q4, after having tumbled down from two per cent in Q2.9 per cent of GDP, to 29.7 per cent which Prime Minister Narendra Modi pilloried.4 per cent in the last year due to a slump in industrial credit demand. On an annualised basis this shaves off almost one per cent of GDP growth, making the expected annual GDP growth 6.With Q4 corporate profits showing a smart upturn and the Indian Meteorological Department (IMD) categorically pronouncing "zero chance of deficient rains", we have good reason to be optimistic about. In national income accounting, the difference between GDP and GDI is called the "statistical discrepancy"; and it is the factor "x" which balances the GDP=GDI equation. The Modi government needs to urgently reverse this. Latest corporate results show that profits are rising.1 per cent to 8. In other words, "discrepancies" contributed almost 50 per cent of GDP growth. Every year there is a provision for it, but when "miscellaneous" rises to many times over the usually expected, auditors have to take notice. If subsidies (merited) were mostly for education and health, that too would have left better placed us for a faster growth. A good part of this increase must be attributed to the huge jump in government wages and pensions (including OROP) by over Rs 110,000 crore last year alone. But UPA 1&2 also sowed the seeds for our present slowdown by spending increasingly more on subsidies, mostly unmerited, rather than on capital expenditure. Take out this bonus and take out "discrepancies", we take out a huge 3.

Now a little explanation seems to be in order. The FE’s study of about 1,200 companies shows that Q4 profits rose by almost 42 per cent, while sales rose only by 4. In February 2015, the government gave itself a little bonus by tweaking the methodology of computing GDP to put economic growth at a higher trajectory by 2.But there are encouraging signs too.17 mt in 2015-16.7 per cent to Rs 178,833 crore, while revenues rose only 2.Now consider this too. Since capital is always the constraint, it must be judiciously used. It has been declining steadily since Q2 when it was 32. It is expected to be 253.76 lakh crore in 2015-16. But we know from the past that after two bad years the probability of a good monsoon becomes very high. But we must wait a bit for those results to be seen.8 per cent. In theory, GDP should equal GDI; in reality, they are different because their components are estimated using mostly different and less-than-perfect data sources. Clearly, the quality of this data seems questionable, particularly since it is the one that eminently suits a practice that Chinese economists quaintly term as "adding water to the milk", as it is largely dependent on subjective projections and assessments. The entire UPA 1&2 period was a period of unprecedented growth, averaging 7. India has shown the ability to be on a high trajectory before. Since reality catches up sooner or later, it is better to grapple with it now and rely on the illusion in 2019.9 per cent, which finance minister Arun Jaitley is talking about. He also specialises in the Chinese economy. In usual times the IMD’s predictions have as much credibility as the neighbourhood astrologer.1 per cent in Q3 to 8.Yet the agriculture data suggests an optimism that flies against reality. Then there is another indicator that is worrisome.The government has now made it known that GDP has grown from 7.93 lakh crore in 2014-15 to Rs 80.9 per cent instead of the dismal 4.9 per cent GDP growth being tom-tomed. Foodgrain production has remained largely dormant.7 per cent

"The demand for Treasurys has mushroomed," said Carl Tannenbaum, chief economist at Northern Trust.The rate the Fed controls is only one factor among many that can influence longer-term borrowing غير مجاز مي باشدts. And that, in turn, is intended to prod banks to boost certain other rates..Many analysts expect the Fed to gradually raise its short-term rate by a total of 1 percentage point by the end of 2016."All those reasons people buy houses remain the same, whether mortgage rates are 4 percent or 4.Other trends are also working in consumers' favor: Gas prices are still falling, and there are signs that paychecks are finally starting to rise after years of sluggish growth. and foreign investors - and by many foreign governments, such as China - help keep those yields low.. Auto-loan غير مجاز مي باشدts may rise as well, economists said, though not as fast as the short-term rate the Fed controls.The rates that most people pay for mortgages, auto loans or college tuition aren't expected to jump anytime soon.To put that in perspective, before the Great Recession the 30-year fixed mortgage rate never fell below even 5 percent. He has seen mortgage rates rise by a quarter-point since he started looking in August."And most people buy homes for reasons that have little to do with a slight rise or fall in mortgage rates, McBride said.S.

"What that means is that for any given monetary policy, interest rates are still going to be lower than they would have been 10 or 15 years ago. Rates on credit cards and home equity loans and credit lines, for example, will most likely rise, though probably only slightly. Washington: For anyone considering whether to buy a home or car, the Federal Reserve's interest rate increase on Wednesday shouldn't make much difference."Mortgage rates tend to move in sync with the yield on 10-year Treasury notes."The interest rate impact on the typical household from a quarter percentage point move is almost inconsequential," he said.

"Lewandowski's outlook, if typical of prospective homeowners, is one reason many economists think home sales may rise next year even if mortgage rates tick up.Still, the Fed's move to lift its key rate by a quarter-percentage point will raise short-term borrowing غير مجاز مي باشدts for banks.Also, Americans with adjustable-rate mortgages will probably face a higher rate at the date of their next adjustment. But remember, we have very low rates, and we've made a very small move."The Fed's decision to raise rates is in many ways a healthy sign: It's a vote of confidence that the economy, 6 years after the Great Recession officially ended, can finally withstand higher borrowing غير مجاز مي باشدts and keep growing at an acceptable pace.25 percent," McBride said.The most visible effects of the Fed increases will probably be in short-term borrowing. Those rates are tied to banks' prime rate, which responds quickly to the Fed's changes. And the Fed made clear it will assess the economy's health before raising rates further.com, calculates that for a ,000, five-year car loan, a one-quarter percentage point increase would boost monthly payments by precisely ."I didn't want rates to jump up significantly," he said, "but I wasn't willing to settle on a place just to get a lower interest rate.

The increases could appear as soon as one or two months after the Fed's action. "Most people won't even notice. The Fed's benchmark interest rate has limited influence on those things. Auto-loan rates typically follow the yield on two-year Treasurys. They tend to buy when they feel financially secure or experience a major life change, such as having children. might move up slightly."These things are good for the consumer and will easily outweigh the impact of a rate increase," said Chris Christopher, an economist at forecasting firm IHS Global Insight. Rates for credit cards and home equity lines of credit should rise, typically by the same amount as the Fed's increase.Even with a rate increase, most economists expect consumer spending to stay heathy and solid hiring to continue, perhaps even driving unemployment even further below its current low level of 5 percent.."Loans that are linked to longer-term interest rates are unlikely to move very much," Fed Chair Janet Yellen said at a news conference. When inflation remains as low as it is now, Treasury notes, with their Custom sign Factory modest returns, are considered a safe and decent investment. Should the economy stumble, the Fed could postpone further rate increases.5 percent. If so, Frank Nothaft, chief economist at CoreLogic, forecasts that the average 30-year fixed mortgage would rise from roughly 4 percent to about 4. And heavy purchases of Treasurys by U.Last month, Doug Lewandowski moved up the closing date on his purchase of a two-bedroom Chicago condo so that he could lock in his rate.Greg McBride, chief financial analyst at Bankrate. "Credit card rates .The Fed's benchmark interest rate has limited influence on those things. Still, the timing of the Fed's move wasn't a big factor in his decision

"The demand for Treasurys has mushroomed," said Carl Tannenbaum, chief economist at Northern Trust.The rate the Fed controls is only one factor among many that can influence longer-term borrowing غير مجاز مي باشدts. And that, in turn, is intended to prod banks to boost certain other rates..Many analysts expect the Fed to gradually raise its short-term rate by a total of 1 percentage point by the end of 2016."All those reasons people buy houses remain the same, whether mortgage rates are 4 percent or 4.Other trends are also working in consumers' favor: Gas prices are still falling, and there are signs that paychecks are finally starting to rise after years of sluggish growth. and foreign investors - and by many foreign governments, such as China - help keep those yields low.. Auto-loan غير مجاز مي باشدts may rise as well, economists said, though not as fast as the short-term rate the Fed controls.The rates that most people pay for mortgages, auto loans or college tuition aren't expected to jump anytime soon.To put that in perspective, before the Great Recession the 30-year fixed mortgage rate never fell below even 5 percent. He has seen mortgage rates rise by a quarter-point since he started looking in August."And most people buy homes for reasons that have little to do with a slight rise or fall in mortgage rates, McBride said.S.

"What that means is that for any given monetary policy, interest rates are still going to be lower than they would have been 10 or 15 years ago. Rates on credit cards and home equity loans and credit lines, for example, will most likely rise, though probably only slightly. Washington: For anyone considering whether to buy a home or car, the Federal Reserve's interest rate increase on Wednesday shouldn't make much difference."Mortgage rates tend to move in sync with the yield on 10-year Treasury notes."The interest rate impact on the typical household from a quarter percentage point move is almost inconsequential," he said.

"Lewandowski's outlook, if typical of prospective homeowners, is one reason many economists think home sales may rise next year even if mortgage rates tick up.Still, the Fed's move to lift its key rate by a quarter-percentage point will raise short-term borrowing غير مجاز مي باشدts for banks.Also, Americans with adjustable-rate mortgages will probably face a higher rate at the date of their next adjustment. But remember, we have very low rates, and we've made a very small move."The Fed's decision to raise rates is in many ways a healthy sign: It's a vote of confidence that the economy, 6 years after the Great Recession officially ended, can finally withstand higher borrowing غير مجاز مي باشدts and keep growing at an acceptable pace.25 percent," McBride said.The most visible effects of the Fed increases will probably be in short-term borrowing. Those rates are tied to banks' prime rate, which responds quickly to the Fed's changes. And the Fed made clear it will assess the economy's health before raising rates further.com, calculates that for a ,000, five-year car loan, a one-quarter percentage point increase would boost monthly payments by precisely ."I didn't want rates to jump up significantly," he said, "but I wasn't willing to settle on a place just to get a lower interest rate.

The increases could appear as soon as one or two months after the Fed's action. "Most people won't even notice. The Fed's benchmark interest rate has limited influence on those things. Auto-loan rates typically follow the yield on two-year Treasurys. They tend to buy when they feel financially secure or experience a major life change, such as having children. might move up slightly."These things are good for the consumer and will easily outweigh the impact of a rate increase," said Chris Christopher, an economist at forecasting firm IHS Global Insight. Rates for credit cards and home equity lines of credit should rise, typically by the same amount as the Fed's increase.Even with a rate increase, most economists expect consumer spending to stay heathy and solid hiring to continue, perhaps even driving unemployment even further below its current low level of 5 percent.."Loans that are linked to longer-term interest rates are unlikely to move very much," Fed Chair Janet Yellen said at a news conference. When inflation remains as low as it is now, Treasury notes, with their Custom sign Factory modest returns, are considered a safe and decent investment. Should the economy stumble, the Fed could postpone further rate increases.5 percent. If so, Frank Nothaft, chief economist at CoreLogic, forecasts that the average 30-year fixed mortgage would rise from roughly 4 percent to about 4. And heavy purchases of Treasurys by U.Last month, Doug Lewandowski moved up the closing date on his purchase of a two-bedroom Chicago condo so that he could lock in his rate.Greg McBride, chief financial analyst at Bankrate. "Credit card rates .The Fed's benchmark interest rate has limited influence on those things. Still, the timing of the Fed's move wasn't a big factor in his decision

This weeks Time magazine cover story which describes the Prime Minister as "Indias Divider in Chief" does touch on the lack of a strong opposition to the BJP poster boy: "Modi is lucky to be blessed with so weak an opposition - a ragtag coalition of parties, led by the Congress, with no agenda other than to defeat him." Post Pulwama, the saffron campaign has not shied away from evoking the fear factor among the voters. The arithmetic of changing caste equations in UP and the high-octane emotions in rural India between the politics of majoritarianism and minoritysm, notwithstanding..Are there signs of desperation in the party? Officially a big "no" is the answer."

Analysts say however that its clearly a move to shift the narrative in Punjab away from the deep anti-Akali Dal sentiment and whip up anti-Congress feelings among the Sikhs, both in Delhi as well as in Punjab, where the Congress chief minister Capt. "When you earn your first salary, usually you don’t keep it for yourself. The economy is expanding but not creating enough jobs, while farmers are struggling with debt and rising غير مجاز مي باشدts. Similarly, can you dedicate your vote for the Balakot strike, for the Pulwama attack victims." But at a time when worry lines on the saffron forehead were getting deeper, the Pulwama attack happened. Fear of terrorism, fear of minorities changing the demography of the country, fear of losing national pride, were all aggressively stoked by the BJP. Leading the saffron charge, Prime Minister Narendra Modi sought votes in the name of Pulwama martyrs. The BJP justified the attack where it blamed Rajiv Gandhi for instigating the anti-Sikh riots in the aftermath of the assassination of Indira Gandhi, by claiming that it was the PMs response to Rahul Gandhis barb - "chowkidar chor hai.1 percent, higher than the previous high reached in 1972-1973.By all accounts, while Congress leader Mani Shankar Aiyars labelling of Modi as a "chaiwalla" was a game changer for the BJP in 2014, PM Modis attack on Rahul by shaming his father and former Prime Minister Rajiv Gandhi with a "Your father was termed ‘Mr China brass signs Suppliers Clean’ by his courtiers, but his life ended as ‘Bhrashtachari No:1" could be equally cataclysmic and possibly boomerang."In an article entitled In the world’s biggest election, India’s Narendra Modi pushes fear over hope, the Washington Post sums up the Indian voters dilemma: "Five years later, those lofty expectations have not been met. You want to dedicate it to your mother or sister."

But, given the complete absence of a discernible pro-Modi wave that buoyed the then Gujarat chief minister to Delhi in 2014, whether the lack of a strong opposition will power the prime minister back to Lok Kalyan Marg, with the numbers needed to form a government, is the question. Much like President Trump, Modi, 68, is both polarizing and charismatic.In the past five years, the governments track record has been less than stellar. Feeding into that trope is the other persistent narrative that Brand Modi has a hold on the young and that this voter base backs the prime minister with the "India is safe under Chowkidar Narendra Modi" despite the rise of terrorist activities between 2014 to 2019. The government has officially denied the data, claiming this was "not verified.Either way, with the help of a high-pitched and aggressive campaign that stokes nationalism and anti-minoritysm, BJP has attempted to avoid the debate on unemployment, agrarian distress and the Rafale controversy. Much depends on whether Modi can persuade Indian voters to focus on nationalist pride rather than bread-and-butter issues in a campaign based less on hope than on fear. But a section of saffron watchers feel that the Prime Ministers resorting to low rhetoric by launching personal attacks on Congress president Rahul Gandhi could be a "sign of desperation".

And if polarisation and muscular nationalism translate into votes, therell be no stopping the Modi juggernaut. A survey, conducted by the National Sample Survey Office (NSSO) between July 2017 and June 2018, showed that the unemployment rate stood at 6. While these could possibly be signs of desperation, with 118 seats still to go for polls in the next two phases, on the surface, the BJP exudes confidence and claims brand Modi will get them nearly 300 seats.. The saffron-run social media is, working round the clock to project the "Modi wave," "300 seats in the bag" line." But unemployment, acute agrarian distress, price rise and the economic slowdown have virtually shattered BJPs 2014 slogan of "Achhe Din" and "Vikas. In all the five of the seven phases of elections "fear over hope" resonated at rally after saffron rally. The Congress counter is that Punjab and other border states who will be the first to pay the price in any war, see this differently from the young in the cities.The February 14 attack in which 40 CRPF personnel were killed was the turnaround moment for the BJP, struggling for an issue to shift the goalposts... Amarinder Singh has successfully seen off the BJP

They gradually begin to get in touch with reality. It is China light box signs Suppliers also a euphemism for being out of touch with reality. Before anything else, the first word to appear on the screen is "Cinemascope".The writer is programmer, Lightcube Film Society. Truth gets in the way of "romantic" ideas — the walls of Sebastian’s tiny apartment show signs of seepage, the Grace Kelly wallpaper in Mia’s bedroom is taken off after several unsuccessful auditions. Terence Fletcher would be happy to note that everything about this film has just the right tempo. In spite of the grandeur, the dialogues never sound lofty or corny.La La Land is neatly divided into chapters by seasons that mirror their emotions: winter brings failure for both at professional fronts, spring shows signs of a budding romance, by summer, their love is in full bloom. Stone’s and Gosling’s dancing is endearingly imperfect, their singing haunting and melancholic, and their chemistry, palpable." For me, it bears quite a few similarities with Woody Allen’s Midnight in Paris (2011) in that both are nostalgic about the jazz age, there is a preoccupation with Parisian glamour, the characters are frustrated at being traditionalists in a future-oriented world where one worships everything but values nothing, and the reconciliation of the present with the past necessitates conflict and compromise, but yields something new every time. Chazelle shoots the film in widescreen to offer the audience a glimpse at how big, how vast the city is. Searching for parked car as an excuse to talk a walk together, gingerly holding hands in a movie theatre after trying to deny sparks between themselves, the bedroom bathed in pink light in moments of tenderness, and the dining table in green hues as things begin to go awry. It is an instant, unadulterated bewilderment in response to her beloved’s decision to discard his dreams.Rating: Cast: Emma Stone, Ryan Gosling, Rosemary DeWitt, JK Simmons, John LegendDirector: Damien ChazelleThe words "la la land" are used to describe the fanciful, frivolous world of Los Angeles. The song Someone in the Crowd directly succeeds the scene wherein Mia, rejected from an audition, shares an elevator with other red-heads.

Much has already been said and written about the grand visual spectacle that this film is, and rightly so, but Chazelle does not forego the tiny details. Planetarium is a treat for sore eyes, but certain actions lend an emotional centre, a heart to all the song and dance. When Sebastian joins a band which is less jazz and more pop because he is struggling to make ends meet, we see Mia’s face bathed in blue. The camera zooms out to reveal a hundred dancers, and the flyover, seemingly endless.In an interview with Entertainment Weekly, Chazelle remarked on the similarities between La La Land and Whiplash (2014) that "they’re both about the struggle of being an artist and reconciling your dreams with the need to be human. As the lyrics of one song put it, it is "sunset inside a frame". We meet Mia and Sebastian in a coffee shop on Warner Bros. lot, in jazz clubs, strolling through studios, in theatres and in an observatory that includes the high-point of the film — a dream-like sequence among stars — a metaphor for their elated, euphoric state as they fall in love. A Lovely Night, the stills from which have inspired all the posters of the film, canvases the myriad colours of the sky at dusk. It is refreshing to see her shed her gregarious persona and essay a less verbose character.

Both the definitions appropriately justify the title of Damien Chazelle’s latest venture. The first song of the film, Another Day of Sun, is shot in a single take in a traffic jam on a flyover.Chazelle’s Los Angeles is not the Los Angeles of a huge Hollywood sign, or of Malibu beach, or of celebrity mansions and condominiums. The film touches gold in the way it manages to wed a very escapist, very surrealistic genre of the musical to a heart-breaking reality of life: What should one do when ambition gets in the way of love, or vice-versa? What should one do when, in spite of giving it your all, your dream remains unfulfilled — choose the easy way out and be a sell-out in the guise of becoming a grown-up? Sebastian’s sister, Laura (Rosemary DeWitt), chastises him for neglecting his unpaid bills.Emma Stone achingly conveys through her eyes all the turmoil that Mia is going through. Mia Dolan (Emma Stone), an aspiring actress, and Sebastian Wilder (Ryan Gosling), a jazz pianist, repeatedly run into each other in LA, fall in love, and help each other pursue their dreams, which later begins to test their relationship. Nothing has shone so brightly in a long, long time. Justin Hurwitz’s music fits every mood like a glove. La La Land is just much less angry about it

Botox and fillers are on 20% off for V Day. The real-time temperature monitoring feature offers efficient control over tissue heating, delivering maximum power with no discomfort. غير مجاز مي باشدmetic hair restoration treatments are also a major area of interest for them this year. Divya Ohri, managing director and owner at Soham Wellness Clinic, says that CoolSculpting is another thing in high demand to perfect the face and the body. As several of the city’s best غير مجاز مي باشدmetologists and dermatologists attest, invasive as well as non-invasive غير مجاز مي باشدmetic procedures seem to have become a go-to guarantee for the Valentine’s Day of their dreams.Some of the most popular treatments include double chin removal and dimple creation, states Dr Ashustosh Misra, senior consultant in Plastic and Reconstructive Surgery from SCI International Hospital. It takes about an hour to complete and is fairly غير مجاز مي باشدt-effective. It is performed using lasers and injections which are FDA approved products and غير مجاز مي باشدt around Rs 45-60,000 per session with results lasting for almost a year. However, consumers of such procedures should know well in advance that غير مجاز مي باشدmetic procedures should be performed 10-15 days before an important engagement as chances of bruising and swelling, etc. She says, "CoolSculpting is a pragmatic weight loss plan. Anyone considering this treatment should, however, take care to ensure that their skin is protected for the first few weeks after they get it done." He shares that the usual suspects like rhinoplasty (nose reshaping) and liposuction are making their presence felt too and adds that women, in particular, are going for facial surgeries a lot this year, especially those that reduce signs of ageing and lift غير مجاز مي باشدging skin. Along with that, requests for prominent cheekbones, fuller lips and sharper jaw-lines are seeing a rise too. غير مجاز مي باشدt for that is Rs 5,000.

It is no longer just about what you give him/her but also about what you give yourself to please his/her eyes. You can tell your doctor exactly where you want your dimples to be placed, and he will carry out the procedure accordingly." Injectable fillers like Botox, Restylane and Juviderm XC are also finding quite a few takers, points out Dr Navin Taneja, Director of National Skin Centre." And interestingly, she is offering special discounts too. are on the rise. "The new generation of injectable fillers are used to reduce depressions and acne scars. She says, "The Laser Photo Facial is an intense pulsed light laser treatment that involves colour pigmentation, wrinkle reduction and skin rejuvenation." غير مجاز مي باشدmetologist and dermatologist Dr Deepali Bhardwaj also warns, "There surely is an increase in the demand for surgical treatments and corrections. Talking about the dimple creation procedure in particular, he says, "Dimpleplasty is basically surgery by which dimples are surgically created. A makeover, you ask Yes, and no. It even compliments pre and post treatment in persistent liposuction techniques. Men and women in the capital are pushing the implications of the term to extreme levels by experimenting with more than just makeup this year. People are going for them since they are useful to enhance the contour and size of the lips in particular. Apart from firming skin on the face and body, breast lifts and butt lifts are also carried out effectively as a part of it."He goes on to explain, "The natural cause of dimples is a small gap in the cheek muscle.

It allows patients to transform red blotchy skin into radiant complexion, and is attracting a lot of young boys and girls also because it is quick and non-invasive. The ‘chiseled facial contour’ is on the top of men’s grooming list."Dr Nivedita Dadu, a dermatologist at Skinology Skin and Hair Clinic, shares that a variety of laser treatments has also captured the fancy of quite a few youngsters in particular, boys and girls alike." About men being equal participants in such treatments, she says, "Men have definitely become increasingly particular about their looks. Due to this gap, a small indentation is formed whenever you smile.". "Yes, if you get a medical facial done at my clinic, then you get another medical facial for free. Dr Ankita Pant, a consultant dermatologist, adds that the vampire facelift is also quite a popular attraction. Be it a gradual weight loss to fit that slim dress or a quick reduction of some kilos to sport that ideal size of trousers, there are extensive treatment plans which use latest USFDA approved technology to help you get through that round bulge or any hiding flab! Besides this, there are also skin tightening treatments like Exilis Elite™, which is great for contouring. People are scheduled to get it done two or three days before Valentine’s Day too.With Valentine’s Day just around the corner, couples are picking their brains over the perfect way to say ‘I China Custom sign Factory love you’. can always crop up once the procedure is done. The procedure works to manually create that gap. But forget wilting flower bouquets, cringey chocolates and kitschy teddy bears, because most partners have only one gift on their hit list this year. And the results are immediate, which is another reason for their popularity this year," he avers and adds that they are among the more expensive treatments available at the moment, starting at Rs 15,000, depending on the volume used. "The demand for vampire facelift which غير مجاز مي باشدts around Rs 25,000 per session, thread lifts (Rs 30,000 and upwards), Meso glow treatments (Rs 5-6,000 per session), etc." About the sort of requests that she’s been receiving ahead of V Day, she says, "I recently received an enquiry for ‘vaginal rejuvenation’ to make the female genitalia look more youthful