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Paving the way for a complete ban on E-Cigarettes, the Rajya Sabha on Monday passed the Prohibition of E-Cigarettes (Production, Manufacture, Import, Export, Transport, Sale, Distribution, Storage and Advertisement) Bill, 2019, by voice vote.
The Bill has already been passed by the Lok Sabha for replacing the ordinance promulgated last September.
Replying to members on the Bill, Union Health Minister Harsh Vardhan urged them to pass the legislation unanimously in the larger interest of the children.
“There is evidence now that e-cigarettes are very harmful. They can become a bigger menace than tobacco one day. So, the intention of the government has been to nip the problem in the bud itself,” the minister said.
While most members in the House supported the ban on e-cigarettes, some of the MPs wanted to know why conventional cigarettes aren’t banned as they are equally or even more harmful.
Many opposition members also expressed reservation over bringing the ordinance and introducing the Bill without sending the same to a Parliamentary Standing Committee.
On why all tobacco products are not being banned, Harsh Vardhan said that he would be the happiest person if that happens.
“You see, in a country as vast as India, once a particular product has a very big consumer base and social acceptance, it is in fact very, very difficult to ban it,” the minister said.
On the reasons for bringing the ordinance, the minister said that apart from other things, some of the big tobacco companies changed their names and started making plans to enter India.
“They had made full preparations. There was an announced entry of a company called Juul, one of the leading global manufacturers of e-cigarettes, in December 2019. It was probably one of the most imminent concerns that worried all of us,” he said.
Participating in the discussions, Trinamool Congress leader Santanu Sen argued for banning all tobacco products as all of them were harmful to human health.
“Of course, by this Bill we are preventing a person from committing suicide by jumping from the fifth floor, but we are also keeping the more affordable and accessible 10th floor wide open to jump from,” Sen said to highlight the serious health concerns posed by conventional cigarettes.
The Rajya Sabha MP, also national president of Indian Medical Association, noted that a normal cigarette constitutes 700 chemicals out of which 250 are very much harmful. Further, out of this 250 chemicals, 60 cause cancer while all of them are carcinogenic.
“Smoking increases coronary heart disease by 2 to 4 times. It increases stroke by 2 to 4 times. It increases lung cancer by 25 times and it increases the probability of COPDA (Chronic Obstructive Pulmonary Disease) by 13 times,” the Trinamool leader said.
Congress MP B.K. Hariprasad said that he did not support e-cigarettes but opposed the way the Bill had been brought. He also suspected the intention of the government behind bringing the ordinance and subsequently the Bill hurriedly.
“People are smelling a rat in the way this Bill has been brought hastily,” Hariprasad said while making a case for banning all tobacco products as all of them were equally harmful.
He said the government should not succumb to tobacco lobbyists.
Senior CPI leader Binoy Viswam also raised questions around the manner in which the bill had been introduced as no survey or study was carried out before bringing the legislation.
Replying to members on the Bill, Harsh Vardhan said that all his life he had fought against tobacco lobbyists and therefore members should not have any suspicion on his intention.
Congress MP Rajeev Gowda said that the ban has to be a last resort rather than the first resort which is what has been the practice in this particular context.
“A ban or prohibition, as we have seen everywhere, results in underground activities. It results in criminalisation of the society. It results in the creation of a mafia that deals with the underground activity,” Gowda said while participating in the discussions on the bill.
E-cigarettes are electronic devices which can enable the delivery of all intoxicating substances. Predominantly, they are used for nicotine delivery, which is one of the most addictive elements known. This also includes all forms of electronic nicotine as well as non-nicotine delivery devices such as e-hookahs and heat-not-burn products.
Moving the Bill, Harsh Vardhan clarified that e-cigarettes are not tobacco products.
“Any comparison about their adverse health impacts with tobacco is misplaced. There is also no conclusive evidence to suggest that e-cigarettes are less harmful than conventional cigarettes. On the other hand, there is definitely an emerging evidence all over the world that e-cigarettes have significantly harmful effects on health,” the minister said.
Highlighting the harmful effects of nicotine delivered by e-cigarettes, the minister said that nicotine sulfate was once approved to be used as a pesticide by the agriculture department.
“Recently, even that approval has been withdrawn considering its toxicity. Therefore, it is a chemical that is not even fit to be used as a pesticide. That is the latest about nicotine.
“It is the most addictive substance currently known in the world and is even more addictive than heroin. There is currently no known treatment for nicotine-addiction anywhere in the world,” Harsh Vardhan said. (IANS)
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.
India celebrated a historic day on August 7, as 23-year-old Neeraj Chopra became the first Indian to win an Olympic gold medal in athletics. In the men's javelin throw event, he achieved his greatest triumph, throwing the javelin 87.58 meters on his second try.
Neeraj Chopra was born on December 24, 1997, in Khandra village in Haryana's Panipat district. He grew up in a Haryanavi family of farmers. He is the brother of two sisters. He graduated from Dayanand Anglo-Vedic College in Chandigarh and is now enrolled in Lovely Professional University in Jalandhar, Punjab, pursuing a Bachelor of Arts degree. Chopra was bullied due to his obesity as a kid, which prompted his father to enroll him in a nearby gym. He then joined a gym in Panipat, where Jaiveer Choudhary, a javelin thrower, noticed his potential and coached him. When the 13-year-old Chopra finished training under Jaiveer for a year, he was enrolled at the Tau Devi Lal Sports Complex in Panchkula, where he began training under coach Naseem Ahmed.
In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018. | Wikimedia Commons
Chopra's first international medal came in 2014, as he took home a silver medal at the Youth Olympic Qualification Tournament in Bangkok. In 2015, he set a world record in the junior category of 81.04 meters in the 2015 All India Inter-University Athletics Meet.
Since emerging into the public eye with a historic gold medal at the junior world championships in 2016, he has maintained a high level of performance, setting an Under-20 world record of 86.48m, which still stands. Gold medals in both the 2018 Commonwealth Games and the 2018 Asian Games are among his other accomplishments, including a first-place in the 2017 Asian Championships. In 2018, he broke the world record in the javelin throw and became India's first-ever gold medalist in the javelin throw. He is also a laureate of the Arjuna Award for 2018.
Chopra has also had his share of bad events in life. In 2019, he underwent surgery on the elbow of his right throwing arm, which kept him out of the game for almost a year. However, he returned more robust than ever. In November 2019, he went to South Africa to train from Klaus Bartoneitz. He spent the following year in India training at the NIS Patiala because of the COVID-19 pandemic. He was allowed to go to France with his coach after weeks of trying to get a travel visa.
Neeraj Chopra made history in the 2020 Tokyo Olympics by becoming the first Indian to win a gold medal in athletics. Also, it is worth mentioning that after Abhinav Bindra, Chopra is only the second Indian to win an individual gold medal.
Keywords: Neeraj Chopra, Olympics, Tokyo2020, Gold medal, javelin, India, Haryana