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Pakistan based terrorist organisation, Jaish-e-Mohammad (JeM) had formed the new militant outfit Lashkar-e-Mustafa in August-September 2020 to "evade international pressure" in the wake of the 2019 Pulwama terror attack on a CRPF convoy and appointed Hidayat Ullah Malik aka Hasnain as its chief for India. He was regularly in "touch" with the commanders of the JeM through his "Pakistani mobile numbers", including wanted terrorist Maulana Masood Azhar's brother Mufti (Abdul) Rouf (Asghar).
The revelations have been made in the charge sheet filed by the National Investigation Agency (NIA) against six terrorists of LeM, including Malik on August 4 before a Special NIA court in Jammu.
The NIA in its chargesheet, which has been viewed by IANS, claimed: "After forming the LeM, Malik aka Hasnain was further directed by commanders of the JeM that he has to commit terrorist activities in the (erstwhile) state of Jammu and Kashmir including in the Jammu region.
"During the period, Malik was regularly in touch with Abu Talha aka Doctor through Pakistani mobile number (92309 10XXX) and Mufti Rouf (+92336648XXXX) brother of Maulana Masood Azhar, Chief of JeM and Ashaq Ahmed Nengroo (+92355809XXXX and +92355141XXXX) through WhatsApp."
Azhar, his brothers and Nengroo were earlier also been named by the NIA in the Pulwama terror attack case chargesheet in August 2020.
The NIA further claimed that Malik used to inform them about the progress of the newly formed LeM.
"He was also in touch with some other Pakistan based handlers of JeM," the NIA said.
The NIA added that the LeM was formed in August-September 2020 by Malik in continuation of the conspiracy hatched by the top level commanders of the JeM to form a new terrorist organisation which will serve as an offshoot of JeM.
It said that it was done to "evade scrutiny" and "close the international pressure on JeM", post the attack on a CRPF convoy at Lethpora in Pulwama on February 14, 2019.
The NIA said that after the Pulwama terror attack, in which 40 CRPF troopers were killed, the proscribed terrorist organisation JeM had come on the radar of the international community.
The NIA said: "After formation of this new organisation (LeM), Malik was declared as the chief of the LeM and he had also been advised by JeM to manage funds at his own level and to recruit local Kashmiri youths in this new terror outfit."
An NIA spokesperson on August 4 had said that during the probe, it was revealed that the accused persons led by Malik had also committed a daylight bank robbery of Rs 60 lakh at J&K Bank's Main Branch in Shopian in November 2020.
"The looted money was used by terrorists of LeM for procuring weapons from Kashmir and Bihar," the official had said.
"Malik had also done reconnaissance of many security installations in Jammu and Delhi and was in constant touch with his handlers of JeM in Pakistan," the official added.
The NIA had registered a case on February 6 this year in connection with the conspiracy hatched by LeM and its chief, Malik, who recced the office of National Security Advisor (NSA) Ajit Doval, working at the behest of Pakistan-based proscribed terrorist organisation JeM, to carry out terrorist activities in Jammu in March this year.
In July last week this year, the NIA had arrested two LeM terrorists, Mohammaf Arman Ali aka Arman Mansuri, and Mohammad Ehsanullah aka Guddu Ansari, both residents of Bihar's Saran district. The duo was involved in transportation of two separate consignments of illegal arms and ammunition from Bihar to Mohali and Ambala.
Besides Malik, the anti-terror probe agency has named Baseerat-ul-Ain and Mudabir Manzoor, both residents of J&K's Shopian, Jan Mohammad Teeli, a resident of J&K's Anantnag, Mustaq Alam, a resident of Bihar's Chapra, and his brother Jawed Alam.
The NIA had taken over the probe on March 2.
The NIA had also arrested Irfan Ahmed Dar, a resident of Anantnag on July 31. The NIA officials said that Dar provided logistic support and also arranged arms and ammunition for LeM terrorists in J&K.
Along with Chinese Traditional Medicine, acupuncture emerged in Asia as a technique to cure people of their disease simply by inserting needles at certain points, where the disease is said to lie.
The practice of acupuncture is believed to have a shamanistic origin. Shamans are those who profess to commune with spirits, ghosts, and the dead. They believed that people were cursed for any number of reasons, and this curse manifested in the form of physical symptoms. All diseases were simply versions of the curse, and when the patient was injected or subjected to moxibustion, which is the burning of particular herbs at various points of the body, the curse left.
Moxibustion involves the burning of herbs at various points of the body Image source: wikimedia commons
Oriental medicine requires its students, or trainees, to memorize the various points in the body that affected or released pain from another point. Statues were used for reference, to identify various meridians or channels through which Qi flowed. This was considered the primary life force in Taoist philosophy, and it was imperative to know the exact flow of this energy from point to point in the body, to be able to correctly diagnose the ailment.
Acupuncture was not very well received in China when it began because they believed that the body should not be dissected for study. Practitioners could only learn from observation, and therefore penetration through needles was harmful. When western medicine came to China, the practice of acupuncture became more accepted. It then travelled through the trade routes to Europe where it was practiced.
A statue in a Chinese museum that depicts the different meridians on the body Image source: wikimedia commons
These days, acupuncture is gaining momentum in the west, not as a medical practice, or alternative to medicine as it was originally designed. Instead, it is being researched based on a neurological model which states that the use of needles alters the mechanism of pain and stimulation in the brain. It is used in mild operations, to relieves headaches, dental aches, and so on.
Keywords: Acupuncture, Moxibustion, China, Western Medicine, Oriental techniques, Shamanism
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
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If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The symbol of Swastika is known to signify peace, prosperity, and good fortune in the religious cultures of Eurasia. In fact, this symbol is considered very significant in Hinduism, Buddhism, and Jainism. But, at the same time, it has become one of the most misunderstood religious symbols and has been globally banned in many countries.
The reason why the symbol of Swastika is banned in many countries is because of its association with Adolf Hitler's extreme political ideology, Nazism, as Swastika as its official symbol.
Austria, France, Latvia, Spain, Germany, and Russia are amongst the many countries that have banned the display and use of the Swastika.
Moreover, last week Victoria in Australia is preparing to become the first-ever state to ban the public display of the Swastika. This is a step towards an expansion of anti-vilification laws in the state.
Representation of the Swastika on the flag of Adolf Hitler's Nazi Movement.Photo by Flickr.
Now, we must know and understand what went wrong with this symbol, which is sacred and signifies all-good things.
For a very, very long time, in India, the Swastika is the first emblem that is worshipped or even drawn before any sacred and auspicious ceremonies as this symbol in Sanskrit represents 'well-being'. But, the Swastika lost all its credibility when it was wrongfully used by Adolf Hitler.
In fact, it is believed that if this symbol is worshipped properly, then it gives positive results. But if it is abused, then it gives negative results. So, when Adolf Hitler rotated the Swastika at 45 degrees, it slowly and steadily brought misery not only to Adolf Hitler and his theory of Nazism but also to all the people who were associated with him.
Therefore, in order to give the kind of respect and credibility which the Swastika deserves, World Interfaith Harmony Week which was held in New York in February this year, interfaith groups appealed to the United Nations to recognize and acknowledge the Swastika as an important and peaceful symbol. In fact, they also differentiated it from the Hakenkreuz or "Hooked Cross" of Adolf Hitler.
Keywords: Swastika, Symbol, Nazism, Hinduism, Adolf Hitler, United Nations, Buddhism, Jainism