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31 December 2020

Create greeting photo card || Happy New Year Photo Frames 2021.

Create greeting photo card || Happy New Year Photo Frames 2021.

Happy New Year 2021 Frame – New Year Greetings 2021

Create greeting photo card,Happy New Year Photo Frames 2021.

Celebrate New Year 2021 with this New Year Photo Editor and create
Happy New Year Photo Greeting Cards 2021 by yourself.

New Year Photo Frames 2021 Greeting Wishes contains various especially designed

2021 New Year frames for you to select from.

New Year 2021 Frame – New Year Greetings 2021 is the best app for your smartphones or devices to capture all your unforgettable moments during New Year Festival. Make something different this New Year 2021 and give your friends and family members a enjoyable

જિયો યુઝર નવા વર્ષના પ્લાન જુઓ અહીંથી

How to Use :
✤ Select photos from gallery or capture new photo from camera.

✤ Select New Year frame from the collection, it’s easy to find a photo frame to suit your screen and New Year atmosphere.
✤ Drag your photo from top left and adjust photo to fit selected New Year Frame.
✤ Add text or Name on New Year Frames, You can also Re-size the Name on frame Move with Fingertips.
✤ Save and share New Year Photo Greeting Wishes 2021 with your friends or family members via social media

Use this New Year Photo Editor to create wonderful New Year Greetings Wishes 2021 for New year 2021. Happy New Year.

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Good news for home or flat buyers! Benefit of PM Awas Yojana before 31st March 2021

Good news for home or flat buyers! Benefit of PM Awas Yojana before 31st March 2021

The central government is offering interest rebates through the Credit Linked Subsidy Scheme under the PM Awas Yojana.

New Delhi: The central government is offering interest rebates under the Credit Linked Subsidy Scheme (CLSS) under the PM Awas Yojana. Notably, the government is going to extend the duration of the scheme for one year. The announcement could be made in the budget to be released in February. Currently the plan is till March 31, 2021. If you have not yet taken advantage of PM Awas Yojana, you can come by March 31, 2021. This will benefit the people who are buying a new house or flat the most. They will save millions of rupees in the form of interest.

The scheme will benefit millions of people

Under this scheme, interest subsidy on home loan is provided to first time home buyers. The subsidy can be up to a maximum of Rs 2.67 lakh. According to sources, the meeting on budget preparation agreed in principle that in view of the Covid crisis area, it was necessary to extend the duration of the scheme to benefit the younger as well as the real sector.

What is PM Housing Scheme?

Notably, the Pradhan Mantri Awas Yojana is a scheme launched by the government in India, aimed at providing affordable housing to people in urban and rural areas. Under it, first time home buyers are given CLSS or credit linked subsidy. The subsidy can be up to a maximum of Rs 2.67 lakh. This is a scheme sponsored by the Central Government. It can be availed till March 31, 2021.

Check your name like this

First go to website. .

If there is a registration number, fill it and click, then the data will come up.

If you do not have a registration number, click on Advance Search.

Fill out the form. Click Search.

If the name is available in the PMAY G list, all the relevant details will be seen.

Subsidy to which class of people in which class

EWS section 6.5 per cent subsidy for people with an annual income of up to Rs 3 lakh

LIG 6.5 per cent subsidy to people with an annual income of Rs 3 lakh to Rs 6 lakh

MIG1 Credit Link Subsidy of up to 4 per cent to people with an annual income of Rs 6 lakh to Rs 12 lakh

People with an annual income of Rs 12 lakh to Rs 18 lakh get a 3 per cent credit link subsidy in the MIG2 section.


This will benefit

- There should not be a pucca building. Do not apply under PMAY if already.

- No government housing scheme benefit.

- Aadhar required to apply under Pradhan Mantri Awas Yojana.

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Kisan Suryodaya Yojana / Farmers no longer have to wake up at night, get electricity even during the day, 17.25 lakh farmers will benefit

Kisan Suryodaya Yojana / Farmers no longer have to wake up at night, get electricity even during the day, 17.25 lakh farmers will benefit

Prime Minister Narendra Modi also dedicated Kisan Suryodaya Yojana to Gujarat.  Inaugurating the scheme dedicated to farmers, PM Modi said that through this scheme, farmers of Gujarat will now be able to get electricity even during the day.  As a result, farmers will have to wait at night for electricity.  By generating solar energy in a day, electricity can be consumed in a day.

ALSO READ :- ગ્લોઈંગ સ્કિન / આ નેચરલ ટિપ્સ છે ઈફેક્ટિવ, પાર્લર ગયા વિના જ શિયાળામાં સ્કિનને એકદમ સોફ્ટ, હેલ્ધી અને ગ્લોઈંગ બનશે

 1055 farmers will get the benefit of this scheme

Kisan Suryodaya Yojana

 A total of 12.5 lakh farmers in Gujarat will get electricity on a daily basis

 Total expenditure of Rs 2,500 crore

 6 new transmission lines of 4 KV circuit of 3 km

 3 new substations of 60 KV

 Commencement of the scheme from Junagadh, Gir Somnath and Dahod

 Initially, farmers of 1,09 villages in 6 districts will get benefits

ALSO READ :-  📲ભેટ / રિલાયન્સ જિયોના ગ્રાહકો આનંદો, જાન્યુઆરીથી આ મહત્વની સેવા થઈ શકે છે એકદમ ફ્રી‼️👌

 A total of Rs 3,500 crore will be spent for Kisan Suryodaya Yojana.  Under which 234 new transmission lines of 3 thousand 490 circuit km of 66 KV as well as 9 new substations of 220 KV will be set up. 

Click Here To Gujarati

 In the first phase of the scheme, farmers of Junagadh, Gir Somnath and a total of 1 thousand 55 villages of Dahod district will get benefit.  The entire state will be covered in phases over the next 3 years.  Thus, under Gujarat Kisan Suryoday Yojana, a total of 17.25 lakh farmers of Gujarat will get electricity during the day.

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Glowing Skin / These Natural Tips Are Effective, Skin Will Be Soft, Healthy And Glowing In Winter Without Going To The Parlor

 Glowing Skin / These Natural Tips Are Effective, Skin Will Be Soft, Healthy And Glowing In Winter Without Going To The Parlor

As winter approaches, the skin and face begin to deteriorate. Increases dryness and dullness. The finlines seem to appear more. This also increases the skin related problems. So it is very important to take care of the skin this season. If you also want to save the cost of a parlor in winter and keep the skin soft, glowing and healthy, today we are telling you the remedies and tips that you can easily use at home. You do not have to spend any money for it and these tips are beneficial for all men and women. So let's find out.

This remedy is best for both women and men in winter

  • Shine the face cheaply
  • These natural tips will help
  • To make a cleanser

Mix a glass of water, a teaspoon of glycerin, a teaspoon of lemon juice and a teaspoon of honey. This cleanser is useful for any skin type.

Mix one teaspoon of glycerin in two teaspoons of cream and mix well. Apply the prepared lotion on the face and wipe well with a cotton ball. This cleanser brightens dry skin.

To make toner

Heat a glass of water. When it boils, put 15-20 petals of native rose in it. When the water is half boiled, remove the toner from the heat, cool and fill into a bottle.

Heat a glass of water. When it boils, add 8-10 neem leaves. Once it boils properly, take it off the gas and fill it in a bottle. This antiseptic toner eliminates the problem of acne or pimples. Note: The toner and cleanser mentioned above can be kept in the fridge and used for up to a week.

To make a facepack

Mix two teaspoons of sandalwood powder, half a cucumber paste, one teaspoon of milk powder and one teaspoon of honey. This face pack is used to make normal skin healthy.

Make a paste by soaking the poppy seeds in water overnight. Mix two teaspoons of sweet powder and one teaspoon of milk powder in it. If your skin is normal, you can use this better.

Steep 4-6 almonds, 20 nung charoli in water overnight. Make a paste by straining the water in the morning. Mix one teaspoon of sweet powder, one teaspoon of milk powder and one teaspoon of glycerin in this paste. You can also use banana peel instead of glycerin. This face pack is very good for rejuvenating dry skin.

If your skin is oily, massage papaya pulp on your face for 15 minutes. Then wash your face with cold water. This will make your skin radiant.

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Benefit / Reliance Jio's New Year Gift: From now on these customers will not feel any charge; Learn the whole information

 Benefit / Reliance Jio's New Year Gift: From now on these customers will not feel any charge; Learn the whole information

Telecom operator Reliance Jio has said that IUC charges will be waived from January 1, 2021 as per the instructions given by the Telecom Regulatory Authority of India (TRAI).

This literally means that with the removal of the IUC charge, Jio will once again offer the service of domestic calls absolutely free. The company itself has confirmed this statement.

Jio wants to provide the best service to customers through technology innovation

Jio said they want to create a digital society where all services are interconnected with good internet speed. They want to provide the best possible service to their customers through technology innovation.

Read in Gujarati Report -1

Read in Gujarati Report -2

Jio added 2.2 million new users in October. With this, the total users of Jio are more than 400 million. Jio also tops the wire line segment with 2 lakh 45 thousand subscribers. Second is Bharti Airtel with 48,397 fixed line connections.

Gifts / Reliance Jio customers rejoice, this important service can be absolutely free from January

The big news for Reliance Jio customers is that Jio's FUP on other networks may have been limited since January so that Jio's customers, like other companies, will no longer be charged for calling on a non-Jio network like any other network and it will be unlimited. Will be free.

Reliance Jio's calling can be free

Other networks can be free

Relief may be available due to the decision of TRAI

According to sources, this may be due to a decision by the Telecom Authority of India (TRAI), which so far has been charging 6 paise per minute on the non-Geo network due to Geo IUC, which TRAI has decided to discontinue. The calling limit on the network will be relieved.

Consumers will benefit

Reliance Jio changed the definition of the Indian telecom world soon after its arrival and played a big part in the early 4G in India, now the company is saying that it can launch indigenous 5G anytime by mid-2021.

TRAI's decision will be a great relief to Reliance Jio customers. Thousands of other networks in the market such as VI, BSNL and AIRTEL are already offering unlimited calling, however now Reliance's customer base is likely to grow if Reliance's calls also become unlimited.

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InShot-Photo & Video Editor Apk Download

InShot-Photo & Video Editor Apk Download

Best Video Editor with Music, Text, Blur, Emoji, NoCrop - Featured by GooglePlay

InShot- Best Video Editor and Photo Editor with all features- trim & cut video/movie, add music, text, stickers and glitch effects, blur background and No Crop! Also a Pro slow motion video editor, speed up videos or add slow motion in a fun way.

Powerful basic video editing features, record your precious moments of your daily life. Share your life to others on social media! (YouTube, Instagram, Tik Tok, Facebook, Twitter, Whatsapp, etc.


Free Full-features Video Edtior

★ Video Trimmer. Video maker with trim function. Cut videos to the length you need.
★ Video Splitter. Split videos into two parts, Multi-split videos into several clips.
★ Video Merger. Merge multiple clips into one. Split, trim & cut video, combine and compress video without losing quality.
★ Video Cropper. Crop video to any ratio you want.
★ Video Rotare. Rotate video by 90 degree. East to modify videos vertically and horizontally.

Professional Photo Editor & Collage

◆ Lots of stylish collage layouts.
◆ Unique filters & colorful backgrounds, blur background.
◆ Multiple ratios supported. Cute frame.
◆ 1000+ stickers, add funny memes to your photos.

Add Music to Video

● Video maker with music (FREE)! Add InShot featured music, Vlog music or use your own favorite music.
● Extracting music from videos has supported now! (New Features!)
● Add your own voice to your video, like a recorder.
● Adjust music volume and music fade in/out option.

Video Filters & Effects

♂ Add movie style video filters and cool effects such as Glitch, Stop Motion, Old TV, RGB, ect.
♂ Adjust video brightness, contrast, saturation, etc. Customized video filters and video effects.

Text & Sticker
■ Add text on video, InShot offers many stylish fonts for the text editing.
■ Add animated stickers and emoji. 1000+ stickers!
■ Add custom memes and images to videos and photos.

Video Speed Control
◆ Adjust video speed with video filters and video effects. Fast/Slow motion video editor of Android.
◆ Speed up videos or add slow motion in a fun way.
◆ Freeze special moment. (New Features!)

Ratio & Background
● Fit your video in any Aspect Ratio, for example, ratios for Instagram, IGTV, YouTube, Facebook, Twitter, Tik Tok etc.
● Square video, No crop video maker and free vertical video editor app.
● Add different borders and no crop. Background color and blur background.

Video Converter & Photo Slideshow Maker
● Easily convert video to MP4 format. Free video converter and video trimmer app.
Photo slideshow maker, merge photos to create slideshow with music. 


● Mix photos with videos, add custom photo cover for video.
● More video editing features, coming soon.

Easy to Share

● Custom video export resolution, HD video editor (1080P or 4K). Compress video without losing quality.
● Share to social apps YouTube, Instagram, Tik Tok, Facebook, IGTV, Messenger, Musically, Twitter etc.

Download App

 InShot is a impressive photo maker and record editor, free photo slideshow maker. With InShot you be able to by a long shot total music, texts and stickers on your video. Fast/Slow proposition present is super fun. InShot is a free HD videotape editor, helps you export videos without bringing up the rear quality.

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30 December 2020

Standard 12 Arts paper style 2020-2021 according to the new model considering the situation of Corona.

Standard 12 Arts paper style 2020-2021 according to the new model considering the situation of Corona.

Mutual Funds: An Overview

There are a variety of funds covering different industries and different asset classes available. Some of the advantages of this kind of investment include advanced portfolio management, dividend reinvestment, risk reduction, convenience, and fair pricing.

Disadvantages include high expense ratios and sales charges, management abuses, tax inefficiency, and poor trade execution.

Here's a more detailed look at both the advantages and disadvantages of this investment strategy.

Advantages of Mutual Funds

There are many reasons why investors choose to invest in mutual funds with such frequency. Let's break down the details of a few.

Advanced Portfolio Management

When you buy a mutual fund, you pay a management fee as part of your expense ratio, which is used to hire a professional portfolio manager who buys and sells stocks, bonds, etc.1 This is a relatively small price to pay for getting professional help in the management of an investment portfolio.

Dividend Reinvestment

As dividends and other interest income sources are declared for the fund, it can be used to purchase additional shares in the mutual fund, therefore helping your investment grow.

Risk Reduction (Safety)

Reduced portfolio risk is achieved through the use of diversification, as most mutual funds will invest in anywhere from 50 to 200 different securities—depending on the focus. Numerous stock index mutual funds own 1,000 or more individual stock positions.

Convenience and Fair Pricing

Mutual funds are easy to buy and easy to understand. They typically have low minimum investments (some around $2,500) and they are traded only once per day at the closing net asset value (NAV).1 This eliminates price fluctuation throughout the day and various arbitrage opportunities that day traders practice.

As with any type of investment, the specifics of your budget, timeline and profit goals will dictate what the best mutual fund options are for you.

Disadvantages of Mutual Funds

However, there are also disadvantages to being an investor in mutual funds. Here's a more detailed look at some of those concerns.

High Expense Ratios and Sales Charges

If you're not paying attention to mutual fund expense ratios and sales charges, they can get out of hand. Be very cautious when investing in funds with expense ratios higher than 1.20%, as they are considered to be on the higher cost end. Be wary of 12b-1 advertising fees and sales charges in general. There are several good fund companies out there that have no sales charges. Fees reduce overall investment returns.1

Management Abuses

Churning, turnover, and window dressing may happen if your manager is abusing his or her authority. This includes unnecessary trading, excessive replacement, and selling the losers prior to quarter-end to fix the books.

Tax Inefficiency

Like it or not, investors do not have a choice when it comes to capital gains payouts in mutual funds. Due to the turnover, redemptions, gains, and losses in security holdings throughout the year, investors typically receive distributions from the fund that are an uncontrollable tax event.

Poor Trade Execution

If you place your mutual fund trade anytime before the cut-off time for same-day NAV, you'll receive the same closing price NAV for your buy or sell on the mutual fund.2 For investors looking for faster execution times, maybe because of short investment horizons, day trading, or timing the market, mutual funds provide a weak execution strategy.












































Compete Risk-Free with $100,000 in Virtual Cash

Put your trading skills to the test with our FREE Stock Simulator. Compete with thousands of Investopedia traders and trade your way to the top! Submit trades in a virtual environment before you start risking your own money. Practice trading strategies so that when you're ready to enter the real market, you've had the practice you need. Try our Stock Simulator today
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Standard 12 Commerce paper style 2020-2021 according to the new model considering the situation of Corona.

Standard 12 Commerce paper style 2020-2021 according to the new model considering the situation of Corona.

Traditional Education And Advantages Of Online Learning

There are several problems with the traditional system of education. First of all, you would like to pay thousands of dollars per term to attend a prestigious school. With all those budget cuts, busy classrooms, and course shortages, you won’t always get the prospect to review exactly what you'd like.

It’s no wonder why many students from all around the world choose online degree programs or take a minimum of 1 college course through an internet platform. Online learning possesses to be the simplest revolution in contemporary education. It made a huge change within the system and opened great opportunities for everyone who wants to seek out out something. unit test paper for all standards.

Nevertheless, online education remains associated with stereotypes. People often think that online students aren't smart enough for a typical college or university, they're lazy, which they don’t get “real” degrees. These claims discourage many of us from taking online courses, in order that they grind to a halt within the traditional educational system that consumes an enormous deal of cash, nerves, and years of their lives. unit test paper for all standards.

Allow us to elucidate why online learning is more awesome than you think that. we've 5 advantages of online learning which can cause you to reconsider your attitude towards this type of education. unit test paper for all standards.

Advantages Of Online Learning

1. you'll learn whatever you want!

You can pick the program of your dreams in traditional education, too, but which may involve traveling away from home, living during a totally unknown city, and struggling during a particularly competitive learning environment. With online education, you'll take any program or course present in traditional four-year universities.



































For example, let’s say you’re most interested in neuroscience. All it takes could also be a Google search for such an online course, and you’ll easily find the online programs offered by a variety of the foremost prestigious universities from all around the world.

you'll take such a course albeit you've got no aspirations to use that knowledge in your future profession, but you’re simply curious to get new interests and understand how the human brain works. the good kind of online programs and courses could also be an enormous advantage of this type of education. It doesn’t matter where you reside and what you would like to review.
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