#upi in other countries

[livemintvideos]

How UPI works for NRIs | Now NRIs Can Set Up UPI | Mint Primer | Mint

On 10 January, India’s retail payments umbrella body The National Payments Corp. of India (NPCI) issued a circular that paved the way for wider adoption of homegrown payments platform UPI. So far, only Indian phone numbers were allowed on UPI, leaving out non-resident bank accounts linked to their phone numbers abroad. In the first phase, phone numbers from 10 countries including Singapore, Australia, Canada, Hong Kong, Oman, Qatar, the US, Saudi Arabia, United Arab Emirates, and the UK have been allowed to be used on UPI.

[sanhatipal]

Figure Sculpting Commissions

I've been wanting to do this for a long time,now it's finally possible. I'll do mini chibi figures of characters,like the ones above! 25-35 USD + shipping depending on complexity, ToS under the cut

For more examples of my sculpting skills(but I won't do scales because it's too much work), here's some Pandora Hearts merch I've made,and some other sculptures:

The figures will be tiny, around the same size as Nendoroid Petites, which is half of regular Nendoroids (4-6cm).

References are always appreciated

Will be made of resin,air dry clay,and sometimes pieces of plastic or wood. Predominantly resin and clay.

There's the option for proportions between 1 and 2. Flandre Nendoroid is for size comparison only. No price difference.

I'll add a stand to make sure the figure can stand properly,but it won't be removable.

No LED parts (though I'd love to, the post office told me it might get rejected at customs)

Price depends on complexity of the character. I'll give you a price (+ shipping estimate for your country) after looking at the character, and you can decide whether you want it or not,and I'll start working on it. I'll send you WIP shots occasionally.

Payment after the figure is made or almost finished,and before shipping.

Making time is 7-14 days, hopefully,but may be more because I have a volatile schedule. I'll definitely let you know and keep you updated though.

Making these take time,so if you want to pay after a few weeks,you can give me a character to start making,and pay when you're ready. I'll hold onto it for a month.

Shipping is combined for multiple figures. If you want to add another figure after I've started, or even finished, making the first, that's fine, I'll ship it together.

Shipping will be through tracked international parcel post, takes 2-4 weeks, but duration not in my hands. Domestically,speed post, takes 3-5 days.

Payment via PayPal, or GPay/UPI if in India

I can add a fuzzy Luna or crimson moon vampire like this,or anything similar if you want, for 5 usd.

I can only work on 2-3 figures at max at a time,so if I get more requests, I'll reserve a slot,and contact you when I'm ready to start

I hold the right to turn down an offer for whatever reason.

And questions,feel free to ask on DMs. I'm also active on Discord nowadays, Flameheart3794 ,but Tumblr DMs are always open for queries!

[beardedmrbean]

Jan. 3 (UPI) -- A string of announcements about big investments in nuclear energy production signal a revival for the industry that already produces about 20% of U.S. electricity.

Google, Microsoft and Amazon are among the technology companies looking to nuclear power to produce energy with a smaller carbon footprint. Environmental organizations remain skeptical, if not outright opposed to the use of nuclear energy.

Disasters at nuclear plants in Chernobyl in 1986 and the Fukushima Daiichi plant in Japan in 2011 play a large role in the minds of opponents.

"Anyone who thinks the public perception is overwhelmingly pro-nuclear is probably kidding themselves," Dr. Lane Carasik, assistant professor in the Virginia Commonwealth University Department of Mechanical and Nuclear Engineering, told UPI. "A lot of work needs to continue to be done by organizations to make sure the public is appropriately informed about the benefits and dangers of nuclear power. There are both."

The benefits touted by companies making the investments and the U.S. government center around reducing carbon emissions. This goal has been a crucial point of emphasis for the Biden administration in the face of increasingly destructive and frequent extreme weather events around the globe.

The U.S. Department of Energy announced in October it is opening applications for $900 million in funding to build small modular nuclear reactors. The program is part of the Bipartisan Infrastructure Law that passed in 2021.

"Revitalizing America's nuclear sector is key to adding more carbon free energy to the grid and meeting the needs of our growing economy -- from A.I. and data centers to manufacturing and healthcare," Jennifer M. Granholm, U.S. secretary of energy, said in a statement.

Earlier in the fall, the Biden administration announced the approval of a $1.52 billion loan to restart the Palisades nuclear plant in Covert Township, Mich. It would be the first restart of a nuclear plant once believed to be permanently out of commission in U.S. history.

Carasik said he is not surprised that the government is playing a role in revitalizing the nuclear energy industry. Along with the need for a diverse slate of energy sources, he said it is imperative that the United States nurture the field of nuclear science or risk losing experts to other countries.

"If we do not train in nuclear science-adjacent fields, we could lose them potentially to other countries and potentially to adversarial countries," Carasik said.

Support for nuclear energy has been burgeoning in Michigan even prior to the announcement.

A bipartisan, bicameral caucus was formed in the state legislature. The state has agreed to put $300 million toward the Palisades restart. The Michigan Chamber of Commerce and Gov. Gretchen Whitmer have also called it a positive development.

Holtec International, the company that purchased the Palisades plant in 2022, has agreed to sell a portion of the energy it produces to Hoosier Energy in Indiana.

The plant is capable of producing 800 megawatts of electricity, enough to power about 800,000 homes. More capacity may be coming as Holtec International is developing two small modular reactors to be built near the Palisades plant capable of producing 300 megawatts each.

That additional energy will be needed as Microsoft and telecommunications company Switch eye building new data centers in western Michigan, according to Ed Rivet, executive director of the Michigan Conservative Energy Forum.

Existing data centers consume about 4% of all electricity generated in the United States. That need is expected to more than double by 2030 as more data centers are constructed, according to the Department of Energy.

"It's pretty shattering from a paradigm sense, seeing companies like Google (request for proposal) to the private sector 'Will you build a nuclear plant next to our data center?'" Rivet said.

The investments from the tech industry play a large role in the recent nuclear resurgence. Energy hungry data centers will require a reliable energy source. Rivet's organization calls for an "all of the above" approach to powering the nation's grid, including wind and solar energy. He believes nuclear energy must be part of that equation as well.

Unlike wind and solar, nuclear energy is produced on a constant basis regardless of the elements. Nuclear energy has no carbon footprint and its physical footprint -- the land a nuclear plant sits on -- is drastically smaller than the land covered by solar panels to produce the same amount of energy.

Christopher Ortiz, senior communications specialist with Kairos Power, told UPI that energy density is an attractive feature of nuclear reactor technology.

"Kairos Power's advanced reactor technology offers incredible energy density," Ortiz said. "One golf-ball-sized fuel pebble can produce the same amount of energy as burning four tons of coal."

Google signed an agreement to buy nuclear energy produced by Kairos Power's small modular reactors to support the needs of its artificial intelligence systems.

"This landmark announcement will accelerate the transition to clean energy as Google and Kairos Power look to add 500 (megawatts) of new 24/7 carbon-free power to U.S. electricity grids," Michael Terrell, Google senior director of energy and climate, said in a statement.

The projects in this agreement are slated to be finished and in operation across multiple plants by 2035.

Kairos Power, based in California, was founded in 2016 and employs more than 480 people. The company has hired more than 130 employees at its plant in Albuquerque, N.M., with an average salary of more than $100,000. It will also create more than 55 "high-skilled, high-paying" jobs to build, operate and decommission the Hermes Low-Power Demonstration Reactor near Oak Ridge, Tenn.

Construction on the Hermes reactor began in July. It will be used to develop the company's commercial advanced nuclear reactor technology.

Nuclear energy accounts for about 50% of U.S. clean energy production, according to the U.S. Department of Energy.

The Hermes reactor is projected to be complete in 2027.

The Palisades Nuclear Plant is not the only U.S. plant set to be brought back online. Microsoft agreed to a deal with Constellation, a Baltimore based energy company, to restart Three Mile Island Unit 1 in Londonderry Township, Pa.

The plant will produce 835 megawatts of electricity and create an estimated 3,400 jobs. It was shut down in 2019.

Three Mile Island Unit 2 was the site of a meltdown in 1979, leading to the evacuation of thousands of people. Like Chernobyl and Fukushima, Three Mile Island evokes memories of what can go wrong with nuclear power.

Dr. Arthur Motta of the Ken and Mary Alice Lindquist Department of Nuclear Engineering at Penn State told UPI that the Three Mile Island meltdown brought about positive changes to the industry. Better reporting and sharing of information about malfunctions among plants internationally has increased safety and reliability.

The challenge nuclear energy faces in the realm of public perception is cutting through the fear that has been harnessed in decades of pop culture depictions of nuclear disasters. Godzilla, the Fallout video game series and Homer Simpson bumbling around the Springfield power plant have fed into misconceptions about the industry, Motta said.

"It strikes something in the human psyche that makes people afraid," Motta said. "People evaluate risk based on their familiarity. Nuclear is the unknowable. People don't know about it."

Critics of nuclear energy have raised questions about waste disposal. Nuclear waste looks far different from the barrels filled with glowing green liquid that create three-eyed fish on The Simpsons. Instead, most waste comes in the form of nuclear fuel rods. They are highly radioactive but are not voluminous.

Motta explains that the total volume of the nuclear waste produced in the United States in the last 40 years could be stacked 2 to 3 meters high across one football field. There is about 90,000 metric tons of spent nuclear waste in the country, according to the U.S. Government Accountability Office. The Department of Energy is responsible for disposing high-level waste -- like the nuclear fuel rods -- in a yet-to-be-built repository.

In 1987, the government designated the Yucca Mountain in Nevada to be the site of a waste repository. However, the government turned away from nuclear energy through the Obama administration while lawmakers came to an impasse over next steps. The Obama administration also began to explore alternatives to the Yucca Mountain.

Currently nuclear waste remains stored in spent fuel pools -- large, reinforced concrete casks lined with steel. The fuel is submerged in 40 feet of water and cooled for five years or more before being moved to a dry cask to be stored for up to 40 more years.

This method of storage is considered temporary by the U.S. Nuclear Regulatory Commission.

The radioactivity of nuclear waste decays over time. After 40 years, the radioactivity of a spent fuel rod is about one-thousandth of what it was when it was first placed in storage, according to the World Nuclear Association.

Motta said the chief concern about storage of waste among skeptics is that radiation will make its way into the water table due to the containment casks corroding and the waste dissolving.

"The water table goes very deep. You bury the waste 5,000 feet and you're still well above the water table," he said. "There is no way for the waste to be released, especially because of the corrosion-resistant canisters and drip shields. Really, it's a question of if you believe the disposal proceeding can be done safely and I think it can."

[xettle-technologies]

What Are the Key Trends Shaping Domestic Money Transfers?

Domestic Money Transfers have evolved significantly in recent years, driven by advancements in technology, changing consumer preferences, and increasing regulatory oversight. The emergence of Digital Solutions, coupled with the integration of innovative financial tools, has reshaped the way individuals and businesses transfer funds within a country. This article delves into the key trends shaping Domestic Money Transfers, highlighting the role of technology, accessibility, and efficiency in this transformation.

1. Digital Transformation in Money Transfers

One of the most significant trends in Domestic Money Transfers is the widespread adoption of Digital Solutions. Traditional methods, such as bank drafts and money orders, are being replaced by mobile apps, digital wallets, and online banking platforms. These technologies allow for faster, more secure, and convenient transactions, catering to the growing demand for real-time payments.

The rise of digital banking has made it easier for consumers to transfer money with just a few taps on their smartphones. Mobile apps, have become household names, enabling peer-to-peer transfers with minimal fees and instant confirmation. These platforms not only enhance user experience but also reduce the dependency on cash, making transactions more efficient and traceable.

2. The Role of Fintech Companies

Fintech companies play a pivotal role in revolutionizing Domestic Money Transfers. By leveraging cutting-edge technologies like artificial intelligence (AI) and blockchain, they are addressing common challenges such as high transaction costs, delays, and lack of transparency. Companies like Xettle Technologies, for instance, have developed innovative platforms that streamline domestic payments, offering features like instant transfers, robust security protocols, and user-friendly interfaces.

These fintech solutions are particularly valuable for small businesses, freelancers, and gig economy workers who rely on seamless and affordable payment methods to manage their finances. By integrating Digital Solutions into their operations, fintech companies ensure that users can access fast and reliable money transfer services without the limitations of traditional banking systems.

3. The Shift Toward Real-Time Payments

Real-time payments (RTP) have emerged as a game-changer in Domestic Money Transfers. Consumers and businesses increasingly expect instant fund availability, whether for payroll, bill payments, or peer-to-peer transfers. Real-time payment systems eliminate the delays associated with traditional methods, ensuring that funds are credited within seconds.

Governments and financial institutions worldwide are investing in RTP infrastructure to meet these demands. In the United States, for example, the Federal Reserve’s FedNow Service aims to provide a nationwide RTP platform by facilitating instant transfers between banks. Similarly, other countries have implemented systems like India’s Unified Payments Interface (UPI) and the United Kingdom’s Faster Payments Service, highlighting the global push for faster domestic transactions.

4. The Growth of Mobile Money and Digital Wallets

Mobile money and digital wallets are becoming integral to the domestic payments ecosystem. These Digital Solutions provide a secure and convenient way to store and transfer money, especially for unbanked or underbanked populations. Platforms like Apple Pay, Google Pay, and Cash App offer seamless integration with smartphones, enabling users to make transfers, pay bills, and shop online without the need for physical cash or cards.

This trend is particularly prominent in emerging markets, where mobile penetration is high but access to traditional banking infrastructure remains limited. By bridging this gap, digital wallets are fostering financial inclusion and empowering users to participate in the digital economy.

5. The Influence of Open Banking

Open banking is another trend shaping Domestic Money Transfers by fostering collaboration between traditional banks and fintech companies. Through secure APIs (Application Programming Interfaces), open banking allows third-party providers to access customer data (with consent) to create tailored financial services. This innovation promotes competition and encourages the development of more efficient and customer-centric money transfer solutions.

With open banking, users can link multiple accounts to a single platform, making it easier to manage funds and initiate transfers. For businesses, open banking streamlines payment processing, enhances cash flow management, and provides real-time insights into financial transactions.

6. Enhanced Security and Fraud Prevention

As Domestic Money Transfers become increasingly digital, ensuring security is paramount. Advanced fraud prevention measures, such as biometric authentication, tokenization, and encryption, are being integrated into money transfer platforms to protect user data and prevent unauthorized access.

AI and machine learning play a crucial role in detecting suspicious activities and mitigating risks. These technologies analyze transaction patterns in real time, flagging anomalies and preventing fraudulent transfers before they occur. For consumers and businesses alike, enhanced security builds trust and encourages wider adoption of digital money transfer solutions.

7. The Push for Financial Inclusion

Digital Solutions for Domestic Money Transfers are also driving financial inclusion by reaching underserved populations. In rural areas and low-income communities, mobile money platforms and agent networks provide access to basic financial services, allowing individuals to send and receive money with ease. This democratization of financial services helps reduce economic disparities and fosters greater participation in the formal economy.

8. Regulatory Support and Standardization

Supportive regulatory frameworks are facilitating the growth of Domestic Money Transfers. Governments and regulatory bodies are working to create standards for interoperability, data security, and compliance, ensuring that digital payment systems operate seamlessly and transparently. Initiatives like regulatory sandboxes allow fintech companies to innovate while adhering to legal requirements, creating a balanced ecosystem for growth and innovation.

Conclusion

The landscape of Domestic Money Transfers is undergoing a profound transformation, fueled by the adoption of Digital Solutions, technological advancements, and evolving consumer expectations. Trends such as real-time payments, mobile money, open banking, and enhanced security measures are redefining how individuals and businesses manage their financial transactions.

Fintech companies like Xettle Technologies are at the forefront of this revolution, delivering innovative tools that simplify domestic payments and enhance user experience. As these trends continue to shape the market, the future of Domestic Money Transfers promises to be faster, more inclusive, and more secure than ever before.

[cdd-media-share]

Multiple Personality Disorder More Accepted. Schenectady Gazette, Aug. 1, 1987.

By JEANNE REALL

AKRON, Ohio (UPI) - "The Minds of Billy Milligan," "Sybil" and "The Three Faces of Eve" are books about only three people, but they contains details of myriad personalities.

* * *

-----------------------------------------

DISCLAIMER:

The things in this article might not reflect current-day understandings of DID.

I am simply sharing this for archival purposes, and to generally share some old, neat things related to CDDs. I'm just sharing for fun and out of interest.

THIS IS NOT AN EDUCATIONAL RESOURCE!

Content warnings: This can be uncomfortable to read, to be quite honest. It talks about DID being this horrid disease that needs to be cured and the cure being to integrate (fuse) all of the (alters).

-----------------------------------------

While the works have done much to publicize the existence of multiple personality disorder, the syndrome went virtually unrecognized until the last quarter-century and still is challenged in the medical profession.

There is an increasing acceptance, however, according to Dr. Moshe Torem, head of the University of Akron's psychiatry and behavioral sciences department.

The cause of the disorder is believed to be child abuse, particularly sexual abuse

Recent studies, when averaged, show that at least 25 percent of all adult women and 10 percent of the men in this country experienced some form of sexual abuse as children, Torem said.

About 4 percent of such victims may suffer repeated abuse during crucial developmental stages and fall prey to MPD, experts say, although this may be an underestimate.

William Milligan, who has been diagnosed as having 24 personalities, says he himself was a victim of rape as a child.

Milligan was committed to state custody in 1978 after being found innocent by reason of insanity of raping three women abducted near the Ohio State University campus in Columbus.

During medical therapy, court hearings and interviews, Milligan told of repeated sexual abuse by his father, who allegedly forced the youth to dig his own grave and buried him alive. Milligan said his father threatened to return him to the ground and leave him to die if the youth ever told anyone of the abuse.

His father has denied the accusations.

* * *

Doctors say Milligan coped with the abuse and his disjointed life by relegating pain to part of his mind, in a personality known as David. Other abuse was handled by lesbian Adalana, and deaf Shawn endured beatings in silence.

Dr. Cornelia Wilbur of Lexington, Ky., one of nine psychiatrists who have confirmed Milligan's multiple personality disorder, also fused the 16 personalities of a patient known as Sybil, later the subject of a book and television play.

Doctors say Sybil was also the victim of sexual torture as a child.

Chris Sizemore, subject of "The Three Faces of Eve" (1957), was diagnosed as having 22 personalities. She was traumatized as a child by witnessing a series of violent, bloody events.

Sizemore was successfully treated, has written a book, "I Am Eve," and is working on another. She attended an April conference on MPD hosted by Torem and Akron General Medical Center.

"She is living testimony that the disease can be completely cured," Torem said. "Sybil also is testimony."

Milligan remains in state custody after nearly 10 years, though he freed himself for about five months by escaping last July 4 from the Central Ohio Psychiatric Hospital in Columbus.

Milligan has been under the supervision of a hospital administrator, who has said publicly he does not believe in multiple personalities.

* * *

"It's not a matter of believing or disbelieving, that's for religion," Torem said. "This is science. This is a matter of looking at the facts and forming your conclusions using a scientific method."

Torem, who attended medical school in the 1960s and performed his residency in the mid 1970s, is not surprised by the lack of recognition accorded MPD. He feels he may have overlooked incidences of multiple personality disorder before he diagnosed his first case in 1980.

"In school I was told, "This disease is so rare that you will never see a case in the whole lifetime of your career, so it would be a waste of time to study it," he said.

Misunderstanding may have led some people to confuse MPD with schizophrenia - "two totally different disease," he said.

Schizophrenics sometimes are known as "split personalities." People with MPD can have a multitude of personalities, with the average being nine or 10, experts say.

Schizophrenia can be treated with antipsychotic drugs. While some types of medicine can be helpful in treating MPD, the disorder does not respond to anti-psychotic drugs. Treatment generally is psychotherapy used in conjunction with hypnosis, Moshe said.

MPD is caused by child abuse, schizophrenia is inherited.

* * *

"Schizophrenia can happen in the best of families, even if you had all the loving care in the world," Torem said. "Schizophrenia is a genetically inherited disease of the brain. It runs in families, like diabetes."

Another distinction, Torem said, is that schizophrenics often believe they hear voices coming from outside their heads, while victims of MPD usually hear voices within their minds.

While schizophrenics can be managed with medication, they cannot be cured, Torem said. MPD, on the other hand, "has an excellent prognosis, with many cases where full integration (of personalities) and cures are achieved."

Skepticism continues, however, partly because of the public's interpretation of the label "multiple personality disorder."

To many people, Torem said, the name evokes an unbelievable, fairy-tale image of several people existing in one body, rather than the very real situation of several personalities struggling within one mind.

Public acceptance of the disorder might be increase, he said, if people realized it is a form of post-traumatic stress disorder, which is best known as an affliction suffered by some Vietnam War veterans.

The stigma attached to both child abuse and the Vietnam War compels victims to hide their problem, complicating it further.

"A child suffered repetitive abuse. He couldn't run away, couldn't fight it or flee from it, so he floated with it; he used internal escape. Part of his personality shut off to deal with the depression, pain, hurt, and another part of the child went on as if nothing has happened," Torem said.

"If (trauma) happens early in life and continues through crucial developmental stages, you have split ego states that develop in a parallel track and they don't communicate with each other. You have a barrier of amnesia between these states

* * *

Dr. Bill Smith, chief clinical psychologist at the Menninger Foundation in Topeka, Kansas, said the mechanism behind MPD is the same as the one that gives creative writers a basis for developing unusual characters.

"Most who develop this disorder are bright and highly creative. The figures they come up with are often creative and highly embellished," he said.

"Multiple personality is sort of a caricature of the normal process where individuals have a repertoire of selves," Smith said. "We all have sort of an angry self that we keep under control, and maybe a rebellious self, a more flamboyant, exhibitionistic self.

"Sometimes these 'selves' will come out more under the influence of drugs or alcohol, perhaps at a party. They are different sides of us that get activated under certain circumstances, but we still know it's us.

"The multiple personality is so extreme that the selves have no knowledge of the existence of the others," he said.

Smith said most MPD victims develop more than four personalities and average anywhere from nine to 13. The process becomes self-perpetuating, he said, as a victim learns to hide "undesirable" traits, such as anger, greed, or promiscuity outside his or her central personality.

"It continues with anger, greed, and so on, as more unacceptable parts of the person - or parts of the person the parents cannot tolerate - all get channeled off into fantasy-created, submerged selves.

"In a family where literacy and academic achievement are actually discouraged, the person may develop a highly intelligent, highly literate personality" that is kept hidden from critical parents, he said.

Smith said psychologists find a much higher incidence of multiple personality disorder among females than males.

"Little girls are more likely to be abused and be victims of incest than are little boys," he said. "Also, since MPD almost always involves an antisocial side, males multiples end up in prison, while female multiples end up in hospitals, because society still is much less likely to prosecute females.

"Unfortunately, if we can't always adequately diagnosis MPD in mental hospitals, it certainly isn't going to be diagnosed in prisons."

If victims are good enough at hiding abusive family lives and the ensuing problems, their reward may be accusations that their disorder is really a hoax. Even "believers" often doubt whether the condition can be cured. In Milligan's case, doctors' efforts to gain his freedom caused public outrage and fears that his violent behavior would recur.

Torem said problems are possible, but such fears are irrational. Even if they do have a relapse, people with MPD "at least know that they need to get help to cope."

The Ohio Legislature is debating a bill that would abolish the plea used by Milligan, innocent by reason of insanity, and replace it with "guilty but mentally ill."

Some people advocate that offenders who use the new plea should be forced to serve time in prison after they are treated for their mental illness.

[libertariantaoist]

News Roundup 6/7/2023 | The Libertarian Institute

Here is your daily roundup of today's news:

News Roundup 6/7/2023

by Kyle Anzalone

US News

The State Department has falsely accused rock legend, Roger Waters, a co-founder of Pink Floyd, of antisemitism over a recent performance in Germany. AWC

The Treasury Department announced sanctions on two members of a Mexican cartel. UPI

Russia

The New York Times reported Tuesday that the Biden administration has “shrugged off” Ukrainian attacks inside Russia as US officials are no longer as concerned about escalation as they were earlier in the war. AWC

Belgian Prime Minister Alexander De Croo said Monday that his government is asking Ukraine if Belgian rifles were used by pro-Kyiv fighters in a recent attack on Russia’s Belgorod region. AWC

US officials confirmed to The Washington Post that US and other NATO equipment was used in a cross-border attack in Russia’s Belgorod region that was launched on May 22. AWC

On Monday, Chairman of the Joint Chiefs of Staff Gen. Mark Milley said Ukraine was “well prepared” to launch a counteroffensive against Russian forces thanks to the support the US and NATO have provided. AWC

Ukrainian President Volodymyr Zelensky told The Wall Street Journal in an interview published Saturday that his country will sit out the upcoming NATO summit in Vilnius this July if Kyiv is not given a “signal” toward full membership in the alliance. AWC

The Washington Post reported Tuesday that the US received intelligence in June 2022 about a Ukrainian plot to bomb the Nord Stream natural gas pipeline that connects Russia to Germany. AWC

Russian Foreign Minister Sergey Lavrov said Monday that Moscow must keep in mind that American-made F-16 fighter jets are capable of carrying nuclear weapons. AWC

China

CIA Director William Burns held “clandestine” meetings with Chinese intel agencies during an unannounced trip to Beijing last month, US officials told the Financial Times, suggesting the visit was intended to “stabilize” deteriorating relations with the People’s Republic. The Institute

The White House on Monday accused the Chinese military of being more “aggressive” in waters near China’s coast following two encounters between the US and Chinese militaries in the South China Sea and the Taiwan Strait. AWC

French President Emmanuel Macron objects to NATO’s plans to open a liaison office in Japan and thinks the alliance should stay in the North Atlantic, Financial Times reported on Monday. AWC

The US, Japan and Australia announced a joint plan to build undersea cables. The project will cost about $100 million and viewed by the nations as a counter to China. Fox News

Rep. Mike Rogers (R-AL), chair of the House Armed Services Committee, said Tuesday that he wants Congress to pass a supplemental spending bill this year to address so-called threats from China, Defense News reported. AWC

The commander of the US Indo-Pacific Command, Admiral John Aquilino, highlighted the military’s threatening posture towards China, speaking at the annual meeting of the National Committee on US-China Relations last month. The group is known for encouraging engagement between the world’s two largest economies. The Institute

Middle East

Secretary of State Antony Blinken addressed the American Israel Public Affairs Committee Policy Summit on Monday and pledged Washington’s “ironclad” support for Tel Aviv. Part of the White House’s plan to strengthen Israel’s security would be to push Saudi Arabia into a normalization agreement with Israel. The Institute

Israeli Prime Minister Benjamin Netanyahu ramped up his threats of war against Iran and slammed the International Atomic Energy Agency (IAEA), the UN nuclear watchdog, for cooperating with Tehran on Sunday. The Institute

On Tuesday, Iran reopened its embassy in Saudi Arabia after a seven-year closure, the result of the normalization deal between Tehran and Riyadh that was brokered by China. AWC

The Treasury Department placed sanctions on seven people and six entities for supporting Iran missile program. UPI

Read More

[hopeonmyphone]

BTS J-Hope's enlistment, ABC, BBC, Egypt TV, etc. 300 overseas media coverage "World attention"

Jhope joined the 36th Army Recruit Training Center in Wonju, Gangwon-do on the 18th, and more than 300 media outlets around the world reported on it and showed great interest. .

The world's three major news agencies, the AP of the US , Reuters of the UK, and AFP of France, introduced that "BTS has become a global cultural phenomenon by contributing billions of dollars to the Korean economy and building an international fan base "

Special exemption from military service is provided to traditional musicians, ballet and other dancers if they have won a top prize in a particular competition and are judged to have increased national prestige, but K-pop stars and other entertainers are not subject to the privilege.” ABC , CBS , NBC , Fox News, and UPI, the three major American terrestrial broadcasters , also reported on the enlistment news. NBC and CBS also reported on entertainment news programs such as Access Hollywood and Entertainment Tonight.

CNN reported on the news of their enlistment, saying, " BTS have become global superstars, such as being nominated for a Grammy, and with sales of $4.9 billion in 2019, they account for 0.3% of the country's gross domestic product and have become an important part of the Korean economy."

Major media such as Time, Forbes, Washington Times, Washington Post, USA Today, People, Variety, music media such as Billboard, Rolling Stone, Consequence of Sound, American Songwriter, radio networks such as iHeartRadio and Ohda, and entertainment Tonight, Teen Vogue, EFE , and IBTIMES also reported the news.

In the United States, even local media such as New York Daily News, SCNOW , Gadget Times, Montana Standard, laprensalatina , Fox LA , and Massachusetts Radio joined the ranks of reporting and showed keen interest. Canada's ET Canada also broke the news.

Brazil's OFuxico , Mexico's daily Diario de Yucatan , la verdad noticias, Peruvian daily la republica , Aristegui Noticias , news es euro , TV channel latina pe , and Chilean publimetro , etc.

Britain's public broadcaster BBC reported on the situation in South Korean politics, saying, "There has been discussion for years about whether BTS should serve compulsory service or whether they should be exempted for their contribution to the arts, but the Ministry of Defense has ruled that they must serve . " "When J-Hope released a photo of his shaved head, fans cheered by clicking more than 8 million likes," the report said.

Daily Mail, a daily newspaper in the UK, NME , a music media outlet , Metro Entertainment, and Forcenet, which delivers news related to defense around the world, also reported news.

In France, news of J-Hope's enlistment was reported by 24-hour news channel BFM TV , state-run international news TV network France 24, and weekly news magazine Paris Match.

Germany's wochenschau , Italy's TV news channel Sky TG24 , Netherlands' TV channel RTL Boulevard , Spain's national daily sports newspaper Marca, Portugal's national newspaper publico , and Russia's Orsk Today also joined in the reporting.

In Africa, Egyptian TV channel Sada El Balad , Egyptian radio channel Nile FM , Nigerian news agency Peoples Gazette , and Jordanian mediaAl Bawaba et al reported. UAE daily Khalij Times and Gulf News reported the news.

In India, many media such as The Telegraph, India TV , NDTV , Hindustan Times, East Mojo, Fun Times, Delhi Times, Glasham, and Bangalore Times showed interest.

Japan's Oricon News, Billboard Japan, The Japan News, Hong Kong's South China Morning Post Lifestyle Asia, Singapore's Straits Times, Philippine daily Inquirer, CNN Philippines Philstar, ABS-CBN, Indonesia 's CNN Indonesia , Thailand 's Reports from Asian countries followed, including thethaiger daily , Malaysian Insight, Pakistan's Global Village Space , and Vietnam's daily thanh nien .

It is estimated that hundreds of millions of viewers and readers around the world heard the news of J-Hope's enlistment through such news reports. Meanwhile, J-Hope performed ' HUH', a song from Suga's solo album released on the 21st.?!' as a lyricist/composer and featured in the song, giving fans a song gift. J-Hope's scheduled discharge date is October 17, 2024.

Source: Herald Economy

[upismediacenter]

UPIS shifts to mandatory and increased frequency of face-to-face classes

MORE FACE-TO-FACE CLASSES. The 2nd floor lobby of the 7-12 building is filled with students, as the building re-opens and classes have been mandatory, with an increase in frequency of days.|| Photo courtesy of Andre Panopio.

The University of the Philippines Integrated School (UPIS) shifts to mandatory and increased frequency of face-to-face classes for the second semester of Academic Year 2022-2023, as health protocols have eased throughout the Philippines.

According to Prof. Dian Caluag, the Assistant Principal for Academic Programs, the increased frequency of onsite classes to two and three days a week is mainly because of the country's improving situation. The loosening of Covid-19 restrictions successfully permitted the students to access onsite and academic assistance from the teachers. “Nakita natin na nag-iimprove na yung [We saw the improvement of the] pandemic situation, meaning more people have been vaccinated [with boosters]. UP has also advised its units to increase the number of face-to-face classes.”

In addition, Prof. Caluag added that the teachers, students, and parents requested an increase in in-person contact and on-site classes. Remote learning led to academic loss which resulted in fewer classroom activities and lack of direct interactions between students, she said. Without these interactions, the students faced challenges in interpersonal relationships with parents, teachers, and peers.

She also explained that there is an idea that we will not get to the routines that we used to do before the pandemic, such as doing flag ceremonies every week, having club meetings, and celebrating UPIS week. To this, she responded, “It’s more of moving forward, we’re learning from what we experienced in the past three years, and the idea is that we’re not going back to how things were before. We’re banking on what we learned and moving forward.”

On the other hand, Aileen Dimaculangan, the school’s nurse, declared that the same process of filling out health declaration forms would continue on a weekly basis rather than daily. The school also had a revision of quarantine and isolation protocols with the help of the University Health Services (UHS). Reminding students to fill up the health declaration forms honestly, Nurse Aileen reiterates the appropriate observation of conforming to minimum health protocols, such as wearing a face mask, being knowledgeable about proper hygiene practices, and eating the right diet. Nurse Aileen also added, “I think kung ano na-start na rin natin (following minimum health protocols and keeping yourself clean) kailangan lang natin i-continue ito, pati na rin sa personal [hygiene] natin kasi magiging malaking tulong para safe ang lahat.” [I think that we should continue what we have started (following minimum health protocols and keeping yourself clean), as well as maintaining our personal [hygiene], as it is a big help in keeping everyone safe.]

Reactions of students

UPIS students also had reactions to the shift made by the school. Cilque Casis, a Grade 12 student, says she feels great about having more days of classes. “Face-to-face classes allow me to focus on the subject matter more, compared to online classes where I’m mostly just staring at the screen. I [also] like the fact that you can ask teachers directly in person, and if you have other questions after class, you can just visit them in the faculty room.” Zerah Ballarta, a grade 11 student, was also delighted about the shift, as she is able to step foot into UPIS again after months of isolation, and finally seeing friends she used to bond with.

The students also expressed the challenges that they encountered along with the benefits. According to Zerah, "Nahirapan ako bumalik sa dating gawi ko kasi hindi na ako sanay gumising nang maaga at mag-ayos for school." [“It was hard for me to go back to my old routine because I’m not used to waking up early and getting ready for school anymore.”] Meanwhile, Cilque was concerned about the amount of groupworks and coordination between classes. “My concern is just with the amount of groupworks that we have, sometimes it is hard to coordinate with other classes, especially with other interest courses,” she stated.

When asked about possible additions to the current health protocols, Cilque proposed that in the health declaration form, there should be an option where you could specify if your symptoms were allergy-related. “We have a lot of people who have allergies, but if they answered the form truthfully, they might not be allowed to school even though it’s already been dealt with or they were taking allergy medication.” As for Zerah, she suggested that more alcohol stations should be placed in school, along with a station that provides face masks in case the students forget to bring extras.

Other changes that can be seen in the rules and regulations included the canteen being fully operational once again and adopting the schedule used in online classes, which starts at 8:00 am and ends at 2:30 pm. Temperature checks can also be seen in the school’s entrances, as well as alcohol dispensers for each classroom and restroom.

UPIS hopes that these new protocols will help students learn better at school while ensuring everyone’s safety. “The characteristic of the transition is that it’s gradual, and that transition will lead us to the new normal,” Prof. Caluag stated. //by Monique Gervacio and Andre Panopio

[sdg-2030]

Challenges and Opportunities in Achieving SDG Goals in Rural India

India's commitment to the United Nations Sustainable Development Goals (SDGs) underscores its resolve to create a more equitable, sustainable, and prosperous society. However, achieving these goals in rural India, where 65% of the population resides, presents unique challenges and opportunities. Bridging the rural-urban divide is critical to the success of SDG initiatives in rural areas, as this will determine India's progress in achieving the SDGs by 2030. With rural areas forming the backbone of the country, the success of rural development in India is crucial for achieving the SDGs.

SDG Opportunities in Rural Areas

Digital Transformation: UPI and Internet BankingThe introduction of UPI and internet banking has revolutionized financial inclusion in rural areas. Villages are increasingly adopting digital payment systems, reducing reliance on cash and empowering small-scale entrepreneurs. These developments align with goals for decent work and economic growth (SDG 8).

Modern Farming TechniquesSustainable development in rural India can be boosted by introducing modern farming methods such as drip irrigation, precision farming, and organic agriculture. These techniques not only enhance productivity but also contribute to responsible consumption and production (SDG 12).

E-learning and Education TechnologyE-learning platforms and digital classrooms are bridging the educational divide in rural India. Initiatives like the PM e-Vidya scheme provide children with access to quality education and skill development, contributing to SDG 4.

Improved Healthcare SystemsInvestments in telemedicine, mobile healthcare units, and community health initiatives are improving healthcare access in rural areas. These advancements address critical health challenges and help achieve SDG 3.

Employment and Skill Development PoliciesGovernment programs like MGNREGA, Skill India, and Start-Up India are creating job opportunities and fostering entrepreneurship in rural areas. These initiatives drive rural development in India and support SDG goals for reducing inequalities (SDG 10) and promoting economic growth (SDG 8).

Women Empowerment ProgramsEfforts to empower women through self-help groups, education, and vocational training are breaking barriers and driving progress toward gender equality (SDG 5). Empowered women play a crucial role in uplifting rural communities.

Sustainable development in rural areas can be achieved through decentralized planning at the national and state levels, with decision-making powers also granted at the village level, where grassroots needs can be realistically understood. If decentralized planning involves community participation, it will lead to better development of rural areas and communities. This approach will help village panchayats implement development plans. They would create their own development strategies and sustainable environments, realizing collective gains through solidarity and harmonious association. It would also assist them in organizing and reformulating socio-economic and developmental activities, gradually eliminating poverty, improving health conditions, and reducing illiteracy. This would lead to better use of government resources and fulfill development goals in line with the ideas of the 73rd Constitutional Amendment Act (CAA).

SDG Challenges in Rural India

India has not been successful in attaining prioritized socio-economic growth and equitable distribution of welfare for the rural poor. The rural population is basically dependent on agriculture and other connected farm and non-farm activities as their means of livelihood. It is also no denying the fact that the government of India had launched a series of rural development programmes to achieve the UN mandated Sustainable Development Goals (SDGs) with a view to eliminating poverty, illiteracy, etc. targeting the majority of the population. Still there are many reasons why SDGs are lagging behind in India’s rural regions like:

Poverty and Inequality:Rural India is still grappling with significant poverty and income inequality. Many families struggle to access basic necessities such as food, shelter, and clean water, creating barriers to achieving SDG goals like zero hunger (SDG 2) and no poverty (SDG 1).

Education Deficits:Despite progress, access to quality education remains a challenge in rural areas. Inadequate infrastructure, a shortage of qualified teachers, and a lack of digital resources hinder efforts to achieve inclusive and equitable education (SDG 4).

Healthcare Infrastructure:Rural healthcare faces challenges such as insufficient medical facilities, a lack of trained professionals, and limited awareness of preventive care. This affects efforts to ensure good health and well-being (SDG 3).

Environmental Concerns:Unsustainable agricultural practices and deforestation contribute to environmental degradation, affecting SDG goals related to climate action (SDG 13) and life on land (SDG 15).

Gender Inequality:Deep-rooted cultural norms often restrict opportunities for women in rural India, impacting gender equality (SDG 5) and reducing the potential for holistic community development.

While sustainable development in rural India poses challenges, the opportunities to make a transformative impact are immense. Rural SDG initiatives must focus on leveraging technology, fostering public-private partnerships, and promoting community-driven approaches to development. With targeted efforts and innovative solutions, rural India can serve as a model for achieving the SDGs, contributing significantly to a brighter, more sustainable future.

By addressing the challenges and harnessing the opportunities, India can pave the way for an inclusive and resilient society where rural areas thrive alongside urban centers. Achieving the SDG goals in rural India is not just a necessity but a testament to the power of collective progress.Original Source: bit.ly/sdgsagenda For more information

[netoday]

GATE Exam 2025 Graduate Aptitude Test in Engineering

GATE Exam 2025 registration process for regular period extends up to Oct 3, on the official portal @goaps.iitr.ac.in. Explore the GATE 2025 Notification, Application Dates, Eligibility Criteria, Syllabus, and more on this page.

GATE Exam overview

Exam NameGraduate Aptitude Test in Engineering (GATE) 2025Conducting BodyIndian Institute of Technology - IIT, RoorkeeMode of ExamOnlineDuration3 HoursGATE Score Validity3 YearsExam DateFebruary 1, 2, 15 & 16, 2025

What is GATE Exam

Graduate Aptitude Test in Engineering - GATE is an examination which is conducted for Master of Engineering (ME), Master of Technology (MTech) and direct PhD admissions to Indian Institutes of Technology (IITs), National Institutes of Technology (NITs), Indian Institutes of Information Technology (IIITs) and other institutes/universities across India. It also opens the gateway to booming Public Sector Undertaking Companies (PSUs) and in the field of research. Some of the PSUs and research organizations which use GATE score for providing jobs include ONGC, NTPC, GAIL, HPCL, PGCIL, BHEL, BSNL, NHPC, BARC, DRDO, etc. GATE is an All-India examination administered and conducted in eight zones across the country by the GATE Committee comprising faculty members from IISc, Bangalore and other seven IIT’s on behalf of the National Coordinating Board, Department of Education, Ministry of Human Resources Development.

Eligibility Criteria for GATE Exam 2025

IIT Roorkee has announced the GATE Eligibility Criteria for the GATE Exam 2025 for aspirants who wish to appear for the upcoming Graduate Aptitude Test in Engineering examination. The eligibility criteria encompass academic qualification, nationality, and age limit parameters which are outlined below: - GATE 2025 Educational Qualifications: Applicants must have completed or be in the final or third year of their bachelor’s degree in engineering, technology, architecture, science, or the humanities from a recognized university or institution. The details of academic qualifications for different programs are given below. - GATE 2025 Nationality: All Indian citizens are eligible. Additionally, applicants who fulfill the GATE 2025 Eligibility Criteria from international countries can also apply. - GATE 2025 Age Limit: There is no specific age requirement, which implies applicants from diverse age groups can sit for the GATE 2025 examination.

GATE Exam Application Fee

Candidates are required to pay an application fee to successfully complete the online application process for the IIT GATE Exam. The fee may vary based on the candidate’s category. Detailed information regarding the fee structure is provided below. CategoryNormal Application FeeLate Application Fee Women ApplicantsINR 900INR 1,400SC/ ST/ PWD ApplicantsINR 900INR 1,400All Other Applicants, Including International StudentsINR 1,400INR 2,300 Mode of Payment: Candidates can pay their examination fee using online payment methods such as Credit or Debit Card, NetBanking, and UPI. No other modes of payment will be accepted.

Important Dates of Gate Exam

Online Registration28th August 2024Last Date7th October 2024GATE Admit Card8th January 2025GATE Exam 20251st, 2nd and 15th, 16th February 2025GATE Result 2025To be notified

How To Apply for Gate Exam

Candidates are required to submit their online applications only on the official portal. - Scroll down and check the Important Link section. - Click on the Online Application Link. - Now, an official web portal will load in the new tab of your browser. - In that portal, you will get the option to register yourself. - After registration, you have to provide all your required details. - After that, you have to upload your documents. - Now, you have to pay the application fee. - After successful payment, your application will be submitted. - Also, you will receive an acknowledgement copy of your submission. - Keep that acknowledgement copy for future use.

Important Links of GATE Online Form

Download AdmitClick HereOnline Apply Click HereGATE Exam ScheduleClick HereGATE SyllabusClick HereGATE Question PapersClick HereGATE NotificationClick HereOfficial WebsiteClick Here

FAQs of GATE Exam 2025

What is the starting date to apply online for GATE 2025 exam?The starting date to apply online for GATE 2025 exam is 28th August 2024What is the last date to apply online for GATE 2025 exam?The last date to apply online for GATE 2025 exam is 7th October 2024.What do you mean by GATE?GATE stands for Graduate Aptitude Test in Engineering. Read the full article

[regularnews]

How To Add / Link Rupay Credit Card With UPI On Kiwi: Enhance Your Convenience & Security

The current era is the digital era and financial transactions have become much more seamless and convenient these days. In India, Unified Payment Interface has emerged as a revolutionary payment system, allowing users to instantly transfer money between bank accounts using their smartphones. One of the many ways with which you can link RuPay credit cards with UPI is Kiwi. It is a popular platform that offers a variety of payment options including credit cards to its users to enable transactions. It will vastly improve your experience on UPI platforms. We will look into all the important  details regarding Kiwi here. This guide will walk you through the step-by-step process of adding or linking your RuPay credit card to UPI with Kiwi. 

Understanding RuPay Credit Cards and UPI

Before delving into the process, it’s important to understand the factors involved. RuPay is an indigenous payment network in India, offering credit, debit and prepaid cards. The card is accepted at most offices and online portals in the country. On the other hand, UPI is a real-time payment system developed by the National Payments Corporation of India (NPCI), which allows users to instantly transfer funds between bank accounts using mobile devices. Majority of UPI applications in India prefer RuPay for the fact that it was indigenously built in India by NPCI back in 2014. If we talk about debit cards specifically, RuPay has issued more than 70 crore cards in India as of July, 2023. 

[hukumkaikka]

Online Ludo Game App - Hukum ka Ikka: Redefining Fun and Rewards in Digital Ludo Gaming

Ludo, a timeless classic, has been a staple in Indian households for generations. The thrill of rolling dice, strategizing moves, and competing against friends and family has made Ludo a universally loved game. However, with the rise of mobile gaming, this beloved board game has evolved into a modern-day phenomenon. Enter Hukum ka Ikka, the online Ludo game app that not only brings the traditional charm of Ludo to your fingertips but also spices things up with real cash rewards, thrilling competitions, and an immersive gaming experience.

Read More: Online Ludo vs Offline Ludo: Which Is Your Choice?

Hukum ka Ikka offers a new twist on the traditional Ludo game, combining the nostalgia of the classic board game with the excitement of digital gaming. Whether you’re a casual player looking to kill time or a competitive gamer aiming for cash prizes, Hukum ka Ikka provides a platform that caters to all types of players.

What is Hukum ka Ikka?

Hukum ka Ikka is a feature-rich online Ludo game app that allows players to enjoy Ludo on their smartphones while competing against players from across the country. It offers a dynamic, engaging, and rewarding platform where users can play Ludo, challenge others, and win real money based on their performance. By blending the fun of a traditional board game with modern features, Hukum ka Ikka has quickly become a go-to app for online Ludo enthusiasts.

Key Features of Hukum ka Ikka Online Ludo Game App

1. Real Money Gameplay

What makes Hukum ka Ikka stand out from other online Ludo apps is its exciting cash-based gameplay. Players can enter cash tables, participate in tournaments, and compete for attractive real money prizes. The thrill of playing Ludo is amplified when you know that every match could lead to earning real rewards. Whether you win a head-to-head match or take part in a multi-player tournament, there’s always the chance to cash in on your Ludo skills.

2. Multiple Game Modes

Hukum ka Ikka offers a variety of gameplay modes to cater to different types of players. Whether you want to play a quick game with friends, join a high-stakes tournament, or participate in a casual match, the app provides multiple options. Players can choose between modes like Classic Ludo, Quick Ludo, and Tournaments, ensuring that there’s something for everyone.

3. User-Friendly Interface

The app is designed with ease of use in mind, offering an intuitive interface that allows players to jump into the action right away. From signing up to playing a game and making deposits or withdrawals, everything is streamlined for a smooth user experience. The simple yet effective design makes the app accessible to players of all ages and technical expertise.

4. Secure and Hassle-Free Payment Options

Security is crucial in any online gaming platform, especially when real money is involved. Hukum ka Ikka integrates secure payment gateways to ensure that your transactions are safe and transparent. Players can easily deposit funds using various methods like UPI, credit/debit cards, and e-wallets. Withdrawals are just as easy, and players can cash out their earnings swiftly and securely.

5. Social Features and Challenges

One of the most exciting aspects of Hukum ka Ikka is its social features. Players can challenge friends to private matches, compete with other players across India, and even invite friends to join the app through the referral program. This social aspect makes the game more fun and competitive, adding an extra layer of engagement.

6. 24/7 Customer Support

Whether you're new to the game or a seasoned player, Hukum ka Ikka provides excellent customer support. The dedicated support team is available 24/7 to assist with any issues you may encounter, from account-related queries to payment issues. The app ensures that your gaming experience is uninterrupted and hassle-free.

Why Hukum ka Ikka is the Best Online Ludo Game App in India

As the demand for real-money online gaming grows in India, Hukum ka Ikka has emerged as a top contender in the crowded market. Here are some reasons why Hukum ka Ikka is considered the best online Ludo game app in India:

1. A Trusted Platform

Trust is a key factor when it comes to online gaming, especially when real money is involved. Hukum ka Ikka is built on a foundation of fairness and transparency. The app ensures that all games are played with random dice rolls, guaranteeing a level playing field for all players. The platform operates under strict compliance with Indian gaming regulations, making it a safe choice for players.

2. Thrilling Tournaments with Big Prizes

Unlike many other Ludo apps, Hukum ka Ikka offers exciting tournaments where players can compete for large cash prizes. These tournaments attract players from across India, making the competition fierce and the rewards substantial. Players can enter these tournaments with a small entry fee and win big based on their performance.

3. Accessibility and Compatibility

Hukum ka Ikka is designed to be compatible with both Android and iOS devices. Whether you own a high-end smartphone or a budget device, the app runs smoothly on all devices, ensuring a seamless gaming experience for every player. It is lightweight, ensuring that users don't have to worry about performance issues, even in low-connectivity areas.

4. Fair Play and Transparency

At Hukum ka Ikka, fair play is of utmost importance. The app uses a Random Number Generator (RNG) for dice rolls, ensuring that every roll is random and unbiased. This ensures that players win based on their skill and strategy, not luck or manipulated outcomes. The transparency of the gameplay builds trust and keeps players coming back for more.

5. Incredible Rewards for Loyalty

In addition to winning real money in games, Hukum ka Ikka also rewards loyal players. The app offers regular bonuses, cashbacks, and referral rewards, allowing players to earn extra benefits as they play. This focus on rewarding players fosters a sense of community and loyalty, making the app more enjoyable.

How to Get Started with Hukum ka Ikka

Starting your journey on Hukum ka Ikka is simple and straightforward. Follow these steps to start playing and winning:

Download the App Go to the Google Play Store or Apple App Store, search for Hukum ka Ikka, and download the app to your device.

Sign Up Create a new account by entering your basic details like phone number and email address. The signup process is quick and easy.

Deposit Funds Add money to your wallet through secure payment options. You can use UPI, credit cards, or e-wallets to fund your account.

Join a Game Choose your preferred game mode, select a cash table or tournament, and start playing. Challenge your friends or compete with players from across India.

Play and Win Use your skills to win cash rewards. After a successful match, you can cash out your earnings to your bank account.

Legal and Responsible Gaming

Hukum ka Ikka follows all the legal regulations regarding real-money gaming in India, ensuring that players have a safe and secure environment to play in. The app also promotes responsible gaming, encouraging players to set limits and play within their means.

Conclusion

Hukum ka Ikka is redefining the world of online Ludo by offering a secure, fun, and rewarding platform for players in India. With its real-money gameplay, exciting tournaments, and user-friendly interface, it has quickly become one of the most popular Ludo apps in the country. Whether you’re looking to relive the nostalgia of Ludo or looking to earn real cash while playing, Hukum ka Ikka is the ultimate destination. Download the app today, and get ready to roll the dice and win big!

[beardedmrbean]

Dec. 28 (UPI) -- Chinese hackers called Salt Typhoon have infiltrated a ninth telecommunications firm, gaining access to information about millions of people, U.S. cybersecurity officials say.

The FBI is investigating the Salt Typhoon attacks, which are spurring new defensive measures, deputy U.S. national security adviser Anne Neuberger told reporters on Friday.

"As we look at China's compromise of now nine telecom companies, the first step is creating a defensible infrastructure," she said.

The hackers primarily are targeting individuals and organizations involved in political or governmental activities and a significant number of hacking victims are located in the Washington D.C.-Virginia area.

The hackers can geolocate millions of people in the United States, listen to their phone conversations and record them whenever they like, Politico reported.

Among recent victims are President-elect Donald Trump, Vice President-elect JD Vance and several Biden administration officials.

Neuberger did not name the nine telecommunications firms that have been hacked, but said telecommunications firms and others must do more to improve cybersecurity and protect individual customers.

"We wouldn't leave our homes, our offices unlocked," she said. "Yet, the private companies owning and operating our critical infrastructure often do not have the basic cybersecurity practices in place that would make our infrastructure riskier, costlier and harder for countries and criminals to attack."

She said companies need better management of configuration, better vulnerability management of networks and better work across the telecom sector to share information when incidents occur.

"However, we know that voluntary cybersecurity practices are inadequate to protect against China, Russia and Iran hacking our critical infrastructure," Neuberger said.

Australian and British officials already have enacted telecom regulations "because they recognize that the nation's secrets, the nation's economy relies on their telecommunications sector."

Neuberger said her British counterparts told her they would have detected and contained Salt Typhoon attacks faster and minimized their spread and impact.

"One of the most concerning and really troubling things we deal with is hacking of hospitals [and] hacking of healthcare data," Neuberger said. "We see Americans' sensitive healthcare data, sensitive mental health procedures [and] sensitive procedures being leaked on the dark web with the opportunity to blackmail individuals with that."

She said federal regulators are updating existing rules and implementing new ones to counteract the cyberattacks and threats from Salt Typhoon and others.

The Department of Justice on Friday issued a rule prohibiting or restricting certain types of data transactions with certain nations or individuals who might have an interest in that data.

The protected information includes those involving government-related data and bulk sensitive personal data of individuals that could pose an unacceptable risk to the nation's national security.

The Department of Health and Human Services likewise issued a proposed rule to improve cybersecurity and protect the nation's healthcare system against an increasing number of cyberattacks.

The proposed HHS rule would require health insurers, most healthcare providers and their business partners to improve cybersecurity protections for individuals' information that is protected by the Health Insurance Portability and Accountability Act of 1996.

"The increasing frequency and sophistication of cyberattacks in the healthcare sector pose a direct and significant threat to patient safety," HHS Deputy Secretary Andrea Palm said Friday.

"These attacks endanger patients by exposing vulnerabilities in our healthcare system, degrading patient trust, disrupting patient care, diverting patients and delaying medical procedures."

The proposed rule "is a vital step to ensuring that healthcare providers, patients and communities are not only better prepared to face a cyberattack but are also more secure and resilient," Palm added.

Neuberger estimated the cost to implement improved cybersecurity to thwart attacks by Salt Typhoon and others at $9 billion during the first year and $6 billion for years 2 through 5.

"The cost of not acting is not only high, it also endangers critical infrastructure and patient safety," she said, "and it carries other harmful consequences."

The average cost of a breach in healthcare was $10.1 million in 2023, but the cost is nearing $800 million from a breach of Change Healthcare last year.

Those costs include the costs of recovery and operations and, "frankly, in the cost to Americans' healthcare data and the operations of hospitals affected by it," Neuberger said.

The Federal Communications Commission also has scheduled a Jan. 15 vote on additional proposed rules to combat Salt Typhoon and other hackers.

[lanabriggs]

Payment Trends. What to Expect in the Next Decade

The payments industry is evolving at a rapid pace, shaped by advancements in technology, shifts in consumer behavior, and changes in regulatory landscapes. Over the next decade, several trends are poised to redefine how businesses and individuals transact.

1. Rise of Real-Time Payments

Real-time payment systems are gaining traction globally. They enable instantaneous money transfers, providing speed and convenience to consumers and businesses alike. Countries such as India, with its Unified Payments Interface (UPI), have already demonstrated the transformative potential of such systems. By 2030, real-time payments are expected to become the standard across both developed and emerging markets.

2. Biometric Authentication

Biometrics, such as fingerprint and facial recognition, are becoming integral to secure payment processes. As data breaches and fraud risks grow, businesses are embracing these technologies to enhance security and user experience. In the future, biometric authentication could replace traditional PINs and passwords entirely.

3. Cryptocurrency Integration

While cryptocurrencies have faced regulatory scrutiny, their underlying blockchain technology holds promise for faster and more transparent transactions. By the end of the decade, cryptocurrencies like Bitcoin and Ethereum might coexist alongside traditional currencies in mainstream payment systems. Governments’ exploration of Central Bank Digital Currencies (CBDCs) will also play a significant role in shaping this space.

4. Voice-Activated Payments

Voice assistants like Alexa and Google Assistant are becoming more integrated into daily life. Over the next decade, voice-activated payments could become a common way to shop online, pay bills, or transfer funds, offering unparalleled convenience.

5. Sustainable Payment Solutions

As environmental concerns grow, the payments industry will shift toward eco-friendly solutions. Digital wallets, paperless billing, and environmentally conscious payment networks will cater to consumers increasingly mindful of sustainability.

6. Expanded Use of Artificial Intelligence

AI is already being used for fraud detection, personalized recommendations, and process automation. In the coming years, AI will play a larger role in optimizing payment experiences, enabling smarter financial decisions, and reducing transaction costs.

7. Growth of Embedded Payments

Embedded payments, integrated seamlessly into apps and platforms, will grow significantly. For example, ride-sharing apps or food delivery platforms already include payment systems. This trend will expand to other sectors, simplifying transactions and reducing friction for consumers.

Eric Hannelius, a fintech thought leader, views these trends as opportunities for businesses to innovate and remain competitive. “Payment systems are no longer just about processing transactions. They’re about creating value through enhanced user experiences and building trust through security,” Eric Hannelius explains.

He also highlights the role of collaboration in shaping the future. “Fintech companies need to work closely with regulators, financial institutions, and technology providers to ensure that innovation aligns with user needs and compliance requirements.”

Practical Implications for Businesses:

Adopt Digital Wallets: Companies should ensure compatibility with digital wallets like Apple Pay and Google Pay to cater to tech-savvy consumers.

Invest in Security: Enhanced security measures, including biometrics and tokenization, will become essential for consumer trust.

Stay Agile: Businesses must monitor trends such as cryptocurrency and embedded payments to remain adaptable in a rapidly changing landscape.

The payments industry is on the brink of significant transformation. By embracing these trends and leveraging innovative technologies, businesses can provide customers with seamless, secure, and sustainable payment solutions.

The future of payments will be shaped by those who can blend innovation with a deep understanding of consumer and market needs. By staying ahead of these trends, businesses and fintech companies can ensure their place in the evolving financial ecosystem.

[manasastuff-blog]

SBI Junior Associates Clerk Notification 2024: Manasa Defence Academy for the Best Bank Exam Preparation

Introduction

The SBI Junior Associates Clerk Notification 2024 is out, and it’s a golden opportunity for individuals aspiring to build a rewarding career in banking. This recruitment drive opens doors for thousands of candidates to join the prestigious State Bank of India (SBI) as Junior Associates. With an excellent career trajectory, competitive salaries, and numerous perks, it’s no wonder this exam is highly sought after.

If you’re aiming for success in this exam, Manasa Defence Academy stands out as a top-notch institute to prepare you for this journey. They have a proven track record of helping students crack competitive exams with ease.

What is SBI Junior Associates Clerk Recruitment?

The SBI Junior Associates Clerk is a customer service and sales role in SBI's branches across the country. A Junior Associate plays a pivotal role in handling customers, processing transactions, and ensuring smooth banking operations.

This role serves as an entry point into the banking sector, offering a stable job, professional growth opportunities, and financial security. Over the years, Junior Associates can climb the career ladder to senior managerial positions within the bank.

Key Highlights of the SBI Clerk Notification 2024

Number of Vacancies: The notification mentions thousands of openings, ensuring opportunities for aspirants across all states.

Exam Dates: The recruitment process involves preliminary and mains exams, with the prelims tentatively scheduled for March 2024.

Selection Process: A three-step selection process, including prelims, mains, and a language proficiency test, will determine the final candidates.

Candidates are advised to read the official notification thoroughly to understand all the details.

Eligibility Criteria

To apply for the SBI Clerk 2024 exam, you must meet the following requirements:

Age Limit: Candidates must be between 20 to 28 years as of the cut-off date, with age relaxations available for SC, ST, OBC, and other reserved categories.

Educational Qualifications: A bachelor’s degree from a recognized university is mandatory. Final-year students can also apply, provided they meet the degree criteria before the document verification process.

Ensure you check the detailed eligibility requirements in the official notification before applying.

Application Process

The application process for SBI Clerk 2024 is completely online. Follow these steps to apply:

Visit the official SBI careers page.

Click on the “Junior Associates Recruitment 2024” link.

Register using a valid email ID and mobile number.

Fill out the application form with accurate details.

Upload scanned copies of your photograph, signature, and required documents.

Pay the application fee through online modes such as UPI, net banking, or debit card.

Documents Required

Passport-sized photograph

Scanned signature

Educational certificates

Category certificate (if applicable)

ID proof (Aadhaar, PAN, etc.)

The application fee is INR 750 for general candidates, while reserved category candidates are exempted.

SBI Clerk Exam Pattern

The SBI Clerk exam is conducted in two phases:

Preliminary Exam

Duration: 60 minutes

Sections: English Language, Numerical Ability, and Reasoning Ability

Total Marks: 100

Mains Exam

Duration: 2 hours 40 minutes

Sections: General Awareness, Quantitative Aptitude, Reasoning Ability & Computer Aptitude, and English Language

Total Marks: 200

Candidates must also qualify in the language proficiency test for the state they’re applying to.

Syllabus for SBI Clerk Exam 2024

The syllabus includes:

English Language: Vocabulary, grammar, reading comprehension, error spotting

Numerical Ability: Arithmetic, data interpretation, simplifications, number series

Reasoning Ability: Puzzles, seating arrangements, coding-decoding, syllogism

General Awareness: Banking awareness, current affairs, static GK

Computer Aptitude: Basics of computers, MS Office, internet, and email

With such a comprehensive syllabus, dedicated preparation is essential.

How to Prepare for SBI Clerk 2024 Exam?

The key to cracking the exam lies in structured preparation. Here are some tips:

Create a Study Schedule: Dedicate specific hours daily to each subject.

Practice Mock Tests: Regular practice will improve your speed and accuracy.

Refer to Reliable Study Materials: Stick to trusted books and online resources.

Manasa Defence Academy: The Best Bank Exam Preparation Institute

For those looking for expert guidance, Manasa Defence Academy provides exceptional training programs tailored for bank exams. Known for their experienced faculty and result-oriented approach, they ensure students are exam-ready.

Their key offerings include:

In-depth Classroom Sessions

Comprehensive Study Materials

Regular Mock Tests with performance analysis

Benefits of Choosing Manasa Defence Academy

By joining Manasa Defence Academy, students benefit from:

Expert mentorship

Updated exam strategies

Personalized attention to weak areas

A disciplined and focused environment

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Financial Inclusion and Digital Payments in India: A Revolution in Progress

India has witnessed a dramatic transformation in its financial landscape in recent years, with the twin forces of financial inclusion and digital payments playing a pivotal role. The government’s efforts, combined with technological advancements, have brought millions of previously unbanked citizens into the formal financial system. Digital payments, driven by platforms like UPI (Unified Payments Interface), have further accelerated this process, contributing to a more inclusive economy.

How Financial Inclusion and Digital Payments Are Reshaping India’s Economy?

The Push for Financial Inclusion

Financial Inclusion and Digital Payments in India refer to ensuring that individuals and businesses, particularly those in underserved areas, have access to affordable financial services, including banking, credit, insurance, and pensions. In India, the need for financial inclusion was urgent, with a significant portion of the population historically lacking access to basic banking facilities.

To address this, the Indian government launched various initiatives aimed at bringing more people into the financial fold. The Pradhan Mantri Jan Dhan Yojana (PMJDY), introduced in 2014, has been a game-changer. It provided the unbanked population with zero-balance savings accounts, debit cards, and access to overdraft facilities. As of 2023, over 500 million bank accounts have been opened under this scheme, directly contributing to financial inclusion.

PMJDY’s success has been further bolstered by the Aadhaar biometric identification system, which enables seamless and secure verification of account holders. Aadhaar-linked bank accounts have made it easier for the government to distribute subsidies, pensions, and other welfare payments directly into the beneficiaries’ accounts, eliminating middlemen and reducing corruption.

Digital Payments: The Catalyst for Change

Digital payments have emerged as the backbone of India’s financial inclusion drive. The demonetization of high-value currency notes in 2016 acted as a catalyst for the adoption of digital payment methods across the country. With the advent of affordable smartphones, internet penetration, and platforms like UPI, India has leapfrogged traditional banking methods to embrace a digital-first approach.

The UPI system, developed by the National Payments Corporation of India (NPCI), allows users to transfer money instantly between bank accounts using a mobile device. Since its inception, UPI has revolutionized the payment landscape, becoming the most widely used digital payment platform in India. In August 2023 alone, UPI processed over 10 billion transactions, reflecting its widespread adoption in financial inclusion and digital payments in India. 

The convenience, security, and interoperability offered by UPI have made digital payments accessible to people from all walks of life, including small merchants, rural households, and urban consumers. QR code-based payments, mobile wallets, and the Bharat Interface for Money (BHIM) app are just a few examples of how digital payments have become ubiquitous in India’s economy.

Empowering Citizens and Small Businesses

Financial inclusion and digital payments in India have far-reaching implications for India’s economy, particularly for marginalized communities. Access to formal banking services enables individuals to save money, build credit histories, and access affordable loans. This is crucial for rural households and small businesses, which often rely on informal credit sources with high interest rates.

Digital payments have also empowered micro, small, and medium enterprises (MSMEs), which form the backbone of the Indian economy. By adopting digital payment solutions, these businesses can expand their customer base, streamline operations, and reduce reliance on cash transactions. Moreover, digital payments provide businesses with valuable financial data that can be used to access formal credit, leading to further growth.

Challenges and the Road Ahead

While India has made significant strides in financial inclusion and digital payments, challenges remain. A large portion of the rural population still lacks access to reliable internet connectivity, which limits the adoption of digital financial services. Additionally, digital literacy needs to be enhanced, especially in remote areas, to ensure that people can safely and effectively use digital payment platforms.

To overcome these challenges, ongoing efforts to improve digital infrastructure, promote financial literacy, and encourage fintech innovation are essential. Public-private partnerships will play a crucial role in expanding the reach of financial services to every corner of the country.

The Role of Fintech in Driving Financial Inclusion

Fintech companies have emerged as crucial players in driving financial inclusion and digital payments in India. By leveraging technology, these firms have introduced innovative solutions that address the needs of underserved populations. Digital lending platforms, micro-insurance services, and app-based investment tools are enabling individuals and small businesses to access financial services that were previously out of reach.

For instance, digital micro-lending platforms provide instant credit to individuals without the need for traditional credit histories. These platforms use alternative data points such as mobile phone usage, online shopping behavior, and social media activity to assess creditworthiness, enabling more people to secure loans. Similarly, mobile-based savings and investment apps allow low-income households to save and invest small amounts, democratizing access to wealth-building tools.

Fintech innovations have also made financial transactions more secure and transparent. Blockchain technology, for example, has the potential to offer a secure and tamper-proof way of conducting transactions, making it easier for rural communities to engage with the formal financial system without the fear of fraud or mismanagement.

Conclusion

Financial Inclusion and Digital Payments in India is an important topic of discussion when it comes to studying the Indian economy. India’s journey toward financial inclusion and the widespread adoption of digital payments has been transformative. Government policies, technological innovations, and a growing digital ecosystem have combined to bring millions of people into the formal financial system. While challenges remain, the progress made so far is undeniable, and the future holds immense potential for creating a more inclusive and financially empowered society.

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