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Stay Smart with ARQ

Have you ever thought of something which has given an unbelievable returns but still was not as risky as its peers. I can hear your mindset where it says "I know you are going to talk yet again about a chit fund company which conned us a decade ago or about an MLM company".

All I can say in one word is a big NO!!

I am not going to speak about any of the above aspects. Having been in the banking field for close to a decade with a accounts degree, I have had the privilege to work as an unpaid Financial Planning Manager(FPM) for my colleagues back in my previous company thereby saving few thousands of rupees as taxes for them. I never had thought about hiring a chartered accountant to plan my finances since I was salaried back then and with limited resources, I planned my finances carefully and ensured that I paid minimum taxes as mandated by the Law.

Having switched my profession now from being an employee to a self employed consultant in the professional capacity, my scope had widened with unlimited avenues to income earning potential with a equal burden of tax. It was then I decided to move away from the traditional investments like Insurance, Metals, Deposits to name a few.

I wouldn't deny the fact that these investments came at a cost which involved lot of sacrifice and sweat that saw my earnings gone into various schemes but was I happy with all of them? Honestly speaking, I wasn't. While some were done for the last minute pressure to avoid taxes, some were done for the sake of recommendation and friendship but yes, I do realize that when it comes to investment, emotional things must be kept aside.

Well, I have no regrets for what had happened in the past which cannot be undone but the present action can always be rectified to ensure that all my investments further would not only reflect my true potential but also ensure that I got the maximum returns. Now going back to the very first para on this. I was saying about maximum returns. How much percentage does your bank promise on deposits?

4,5,6,7,8? while it is 3% minimum, it goes upto a maximum of 8% on a normal savings accounts and little over 10% for long term fixed deposits. Again these are taxable at the time of maturity and with the inflation that needs to be taken into consideration, the end result would put you in minus. We do not think about it most of the time. While I am not completely critical on this aspect since few do this way as it is convenient for them or they are averse to consider other options or they may not be aware of some of the greatest options available.

Now this is where, ARQ comes into picture. What is ARQ and what makes it unique compared to others?

ARQ is a revolutionary automated investment engine that takes emotional bias out of investing and let's you harness the maximum performance of equities as an asset class, ARQ offers recommendations for Mutual Funds (Lumpsum & SIP) and Equity Stocks. It is accessible to all Angel Broking Customers via Angel Eye or the Angel Broking App. ARQ's performance test results are available for you to examine, before you take the plunge with your hard-earned money. ARQ’s advisory is based on a model whose performance has been optimized to provide recommendations with high outperformance and strike rates. The model has been tested using scientific back-testing and has also been validated based on its track record. The model has been calibrated to take advantage of the upticks in the stocks or mutual funds during an investment period.

As you could see from the above, ARQ is an unique app that helps you in making the investment in a planned way which is a tried and tested method and has been validated as well based on its track record.

To make you understand in a simple way, let us take this example.

We all were talking bit about BSE hitting all time high benchmarks in the recent times. An analysis shows that it started at 100 on 12th May 2016 and ended at 122.7 on 30th June 2017 which is an impressive increase of 22.7 over a period of little over a year.

Now consider the ARQ Index. It also started at 100 on 12th May 2016 and ended at 138.2 on 30th June 2017. Now that's an increase of 38.2% which by all means is even better than the exorbitant credit card rates(kindly note that I am not advocating using your credit card to rotate funds and getting higher returns because unless you clear the credit card balance within the revolving credit time period, their interest rates are even higher).

Few more analysis will make you understand this even better. I am going to compare few of them with BSE 100 and a single product with Nifty Midcap 100. The time period used to come to this reference is between May'16 to Jun'17

ARQ Fundamental Winners
BSE100
ARQ MidCap Stocks
 Nifty Midcap 100
14.1%
7%
38.9%
31.9%




ARQ Quality Stocks
BSE 100
ARQ Value Stocks
BSE 100
24.0%
11.8%
24.0%
11.8%





As you could see from the above, the difference in terms of returns are clearly evident.  While there are no human interventions involved in the usage of this app which eliminates even the single possibility of error being committed since all the calculations were based on previous performances and records, this also ensures that you get the best and trusted advice when it comes to investing your hard earned money.

Now you will see as to how the ANGEL BROKING app which is available on iOS and Google Playstore has helped me to plan my finances.



Then I went ahead with the Questionnaire.



Based on my answers, I was given few more questions with choice of answers given.


All I or any one for that case needs to do is to be honest and fill the questionnaire.


As you could see from the above, I entered the answers which were true to my knowledge.




I was immediately given the option of what my investments need to be. Kindly note that the recommendations were based on NOBEL PRIZE winning Modern Portfolio Theory.


Based on my answers, I was given the above mentioned Asset Allocation Portfolio which I selected. As you could see, my traditional investments on metals has not found any significance in this with due weightage given to Equity MF followed by Debt MF.

Needless to say, I was happy and went ahead with the plan for the fact that knowledge is unlimited and we are always in the process of learning and when you have proper guidance available, the best and wisest thing is to make use of it.


ARQ is the brainchild of AngelBroking which is a member of BSE, NSE and also with NCDEX and MCX. Catering to the needs of more than 1 Million retail investors, it has a nationwide network of 132 branches with 17 regional hubs and more than 9000 registered sub-brokers/business associates with 3500+ employees across India.

With the advent of GST and increase in tax rates on most of the products, it wouldn't be wise, if you have not acted upon your investment planning which would not only help you secure your own future but also the future of your entire family as well.



Bring Smile - A Campaign which can make a difference


We come across many campaigns day in and day out. They differ from one another in terms of ideas and execution. We would have donated to few of them without even knowing whether it is solving the purpose or reaching the real beneficiaries. However we do this on goodwill and as a good samaritan, we have all the rights to get to know as to where exactly our money goes or being spent.

Campaigns related to hunger, floods and other natural calamities are a common one in our country but have you ever thought about bringing smiles in the face of kids? While there are few which is related to kids are found online, they do not deal with enhancing the kid's knowledge but mainly to address their basic education and food(hunger) in most of the cases.

Here, I present to you a campaign which is making waves. The campaign has been started by QtPi Robotics which is a Bengaluru based company. More about the company and its functions can be found at the bottom end of this post. They came up with a special initiative where they wanted to pick up the bright students or to put it in other words, students who have visionary thoughts and knowledge but never had the chance to bring it out of them to exhibit it to the outside world. Most of these students are confined to Govt funded/aided schools where the resources are not available completely, all the time. These students mostly hail from Rural India who come up with very many innovative ideas since they would have either witnessed it in their locality or would have thought about it "Would it not be better, if things were done this way?"

We need not have to go to Urban area kids as it may not be relevant to this context since they have very many opportunities and avenues. Hence QtPi Robotics came up with Crowd Funding concept where through the funds raised, it would help the kids from the rural areas who were identified based on their ideas and knowledge and help them realise their dream. This does not require a major contribution but even a mere Rs.100 would go a long way which would help in sponsoring for the robotic course to the underprivileged in Rural India. In return one would not only get a shout out from the company on Social Media but also a sense of satisfaction that their money has gone towards a noble cause. 

A simple contribution by sacrificing a coffee in a swanky coffee shops can help a child realise their dream. The campaign has so far raised Rs.43,700 from 37 backers which is close to 15% of the total target funding of Rs.3,00,000 with just 19 more days left.

You can make a difference by clicking this link -> https://goo.gl/ZfFKWi

Be the change India wants to see. Jai Hind!! 


QtPi Robotics is into space of building ecosystem for children/kids to build robotic projects. QTPI Robotics is entirely designed and built in house by veterans from Software, Mechatronics, and Integrated Chip industry. A proud “Make in India” initiative.

Book Review - Harp


Title - Harp
Author - Nidhi Dalmia
Genre - Fiction
Publisher - Authors Upfront
ISBN - 978-9-38443-989-7

A romantic fiction that was set in the 1960's which would make you go back to those days and people like me who were not even born by then have had the chance to get to know the first hand information of hos the world was back then - especially the Europe. 

Author has meticulously penned the story including most of the intricate information pertaining to love clubbing with the lifestyle of Europe. The story revolves around 3 characters but predominantly on the protagonist Ashok. The other two being Lauren and Aparna.

Ashok was born in a industrial family and leaves to Europe for higher studies, mostly to implement the learning in his dairy company. He goes across various countries and cities which includes Paris, Wroclaw, Poland, Finland, Sweden, Norway and UK among others. He ends up meeting different women across these places which includes Nicole, Barbara, Vera, Hanna and Irina but most importantly he meets Lauren and falls for her. 

Luckily for him, his love gets reciprocated but destiny had other plans. He could not stay there forever as he has come back to take care of his father's business since he was getting old and lot of issues started coming up in his company after the independence where the rules were really strict and regulated.

What I liked the most is about touching upon the local lives in each and every location with minute attention detailing from the food to how the people over there behaved. The novel is a real bulky one but I am sure those who love reading a lengthier novel would not find any difficulty in going through this in full and the price tag for such a beautiful novel is very much justified.

It kind of made me connect with my own life incident as well but jut that I wasn't there but had my own phase of life where my ex girlfriend was from Kiev and we could not continue any further due to the distance and culture(something similar to the one portrayed in this novel) even though our parents knew about our inclination to each other. So I could very well feel and place myself in the place of the protagonist Ashok.

In the meanwhile, Lauren has to move away from her place for a better life and she meets someone and so as Ashok who ends up meeting Aparna. 

What happens in the end is what this novel is all about. Give it a read. You will find it a real soothing one, especially if you have had an experience of the protagonist at any given point of time in your life.


The book is available on Amazon.

Book Review - Kansa


Title - Kansa
Author - Prassant Kevin
Genre - Thriller
Publisher - Inked Company Publishing
ISBN - 978-819-324-0571

A perfect novel that would keep you on the edge of the seat from the beginning till the end. The twists that comes up in the tad end of the novel when you have thought that you have found the real killer is just amazing.

Professor Black ho himself has had a dark history gets roped in to find the serial killer Kansa. He joins with ACP Saargi Desai who initially though Professor Black was a ruthless and psychopathic person but he turned to be a real pro and a gentleman.

The start to investigate the case with a person who has escaped the killer and professor stumbles upon a vital clue which leads them to a person. However things takes a different turn and the killing continues. This makes our protagonist to work even more harder and he does finally entangle all the knots to reveal the real identity of the killer which would take you all by surprise.

Though the novel runs for close to 400 pages, you will never fell fatigued till you finish it. It is a perfect companion for  the weekend or when you are travelling a long distance either by bus,train or even an airplane.

The book is available on Amazon.

Coffee Culture celebrates dosto ka din



We as a country have more than enough festivals to be celebrated on daily basis. Each festival has its own particular reason and is celebrated differently, but there is one thing in common in all these festivities- we ensure we celebrate it with our friends and that day shall turn as a special day. Coffee culture a ristorante lounge had celebrated friendship day at their Surat, Bardoli, Vapi, Vadodara, Lucknow, Jabalpur, Navsari & Jaipur outlets.

On account of friendship day Coffee Culture came up with ‘Celebrate dosto ka din’ wherein exclusive friendships combos were designed for the groups of Customers at discounted rates. All the outlets of Coffee Culture were decked up with balloons, ribbons and lights. Customers were welcomed with friendship bands and chocolates. To make this day memorable a local chain of Smartphone vendor phone merchants had collaborated with Coffee Culture for ‘ViVo Perfect Selfie Contest’ and 2 smart phones and accessories would be given to winners on Wednesday.

Speaking on the occasion Gaurav Naarang, Founder of Coffee Culture said, “The idea is to give another meaning to friendship and make the day memorable with their loved ones. Hence we planned to have Celebrate dosto ka din’ and organized a Flea market so that anyone can buy exciting souvenirs and gift it to their buddies. Coffee Culture believes in giving it back to the society with the best of food, fun and entertainment. Thus the overall celebration was executed in such away that it gives a sure shot solution of their friendships day celebration needs. We received a great response across our all 13 outlets from youth brigade and in coming festive season we are planning to announce such unique offers to leverage the footfall.”
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About Coffee Culture:
“Coffee Culture" is the brain child of Director Mr.Gaurave and the unique café experience came in year 2003. As it’s been called as a ristorante lounge, it’s more of a lifestyle & community centre. Known for its lounge setup with huge offering of delectable/fusion Cuisines is serves hot coffees to sizzling food. The lively ambience makes this place a meeting point for youth in daytime and families during evenings.  Each outlet is unique in nature in terms of decor apart from branding. adodara being an art city it is an art gallery café wherein artists of any sorts can display their stuff on sales. The vision of Coffee Culture is to have 100+ outlets by the end of year 2020 with a strong national presence. It has won the “Emerging Café Chain of the year Award 2017.

Book Review - 13 Steps To Bloody Good Marks


Title - 13 Steps To Bloody Good Marks
Authors - Ashwin Sanghi & Ashok Rajani
Genre - Self Help / Motivational
Publisher - Westland Books
ISBN - 978-93-86224-76-7

This is the third book in 13 Steps Series - the other two being 13 Steps to Bloody Good Luck and 13 Steps to Bloody Good Wealth(both have been reviewed by me). This book is yet again an exceptional outlay pertaining to the subject which was kept as the title.

We never had understood the smaller things what we did as a kid has in fact helped us greatly. This includes reading in a sitting posture or walking while reading. We have also avoided television (most of the times) and there are so many which we did but had eventually forgotten and when it comes to our own kids, we tend to adopt an approach which is been followed presently which is incorrect. What has worked for you can be tried and replicated with your kid as well.

The last minute rush in reading(not revising), discussing with the other students on and after the exams(which I conspicuously avoided as I knew hat they would simply confuse your mind which would affect the next exam greatly), using different coloured pens to highlight the points, showing working notes to name a few are well explained along with some suitable pictures and diagrams.

The book does not give you any false hope or teach rocket signs but when you read it, you will feel it connects with some or most of the habits you have practised or inculcated but had forgotten about it due to time lapse, would not help you in rekindling it. The author has mentioned about losing 1 mark in his maths subject where he scored 199/200. I can connect my own experience as well where, I missed answering a 2 mark question in an hurry which saw me scoring 198/200 in Commerce Exams in the 12th main exams way back in 1997.

The experience of both the authors will make even a dull student bright as it shows the right path and all one need to do is to follow that direction.

The book is available on Amazon.

Book Review - Syncfluence

Title - Syncfluence
Author - Yaagneshwaran Ganesh
Genre - Marketing
Publiher - Notion Press
ISBN - 978-1-947586-86-4

This is Yaagneshwaran's second book. The first one being "Is your marketing in Sync or Sinking?"  which was well received by the readers. This book "Syncfluence" talks about a different strategy in marketing.

With the increase in online marketing brands which has slowly started capturing the huge untapped demand across every nook and corner, the need to learn about the strategies when it comes to online marketing which is way different from the traditional marketing becomes a quintessential one. There are many books available out there but this one talks about the perspective on Sync with your Influence which is way better than any other marketing strategy/methods.

Not all of us would know everything around us. There is some kind of information or other which is available with each one of us. Though I am in the online marketing and promo field myself for close to 5 years, I felt that this book certainly deserves an attention especially among the rookies and beginners who would need to exercise greater precaution while deciding how much to spend for the online promo. One must read this book, if he or she is unsure as to how to go about marketing. I am sure you will find it really useful.


The book is available on Amazon.
An Inspiring Real Life Story

An Inspiring Real Life Story

Well, we all would have come across some inspiring story or the other. It would have inspired you for various reasons. I too have an inspirational story which is a real life incident that was shared with me by the person concerned himself.

I am not naming the person for privacy reasons. He was invited to give a motivational talk when I was preparing for the civil services preliminary exams. Though I did not clear it since I had a single attempt, the talk that was given by this person has inspired me the most making me to take a vow that I too would accomplish something in my life.

It was a jam packed session as usual since the place where I studied gave free coaching for the UPSC aspirants. The person made a sudden appearance. He started talking in a casual way saying that he too was just like us few years back. He hailed from a rural area and kept attempting to clear the civil services. He then went to Delhi as it was well regarded for better coaching and higher chances of clearing the exams. Unfortunately, he did not clear. But he did not lose his hope. Since he had age and attempt, he kept trying. 

In the meantime, he mastered the subjects and started giving training in the institute where he once joined as a student. The irony was, those who got coached by him cleared the exams leaving him behind. Few even started making fun of this person. However he had full support and encouragement from his parents. He gave the final attempt - which was the 7th one and he eventually emerged successful. He also got the post he wanted all this while. Yes. He got into Indian Police Service. He is currently posted as SP in Jharkand. 

The best part of this officer is his simplicity where he replied to my mail wishing me good luck and that he wanted to see him on the other side along with him as a civil servant. Though I was not lucky, I still felt contended that I made a good friendship which is still continuing....

There are two more inspiring stories in the same line but I guess I would end it here. If you would want to know about them, kindly leave your comment. I would come up with a new blog post.
Fee for Convenience, NOT for Inconvenience?

Fee for Convenience, NOT for Inconvenience?

Well, we all are now accustomed paying the convenience charges for anything and everything. While the charges seems to be on the higher side especially when it comes to the entertainment, we let it go since we do not have the time to stand(just fr few minutes) in the queue to book the tickets. The GST did not exempt even this Convenience Charges since the charges now stand at Rs.38.40 with www.pvrcinemas.com 

While I am not sure about the legality of the charges which runs as high as 25% of the actual ticket charge as there are no legal binding and strict rules on this so called "Convenience Charges", I faced an extreme inconvenience.

Remember, this is not the first time I faced it with PVR. It happened last year when I booked the ticket for Bahubali and I along with friend was asked to leave the show despite having the online ticket where we were given a reason of system error as our tickets were not registered on the system and they issued a manual ticket for some one else. We were just given an apology which did no good because we had spent our time and money to come all the way traveling close to 15 kilometers and have incurred parking charges too.

While I let that go, there is another incident which happened yesterday that cannot be excused. I saw the website showing the screening of Annabelle from 4th August onwards and I promptly booked the tickets for the show on 5th August. I booked the tickets on 3rd August.

 When I went to the theatre on 5th, I could not print the ticket on kiosk and when I enquired in the counter, I was told that the movie wasn't released and I would get the refund in 5-7 working days.

Now my question which I think is very much valid(even in the court of law) is this:

1. When you charge the so called "Convenience Fee" are you not suppose to compensate the customer when they face an "Inconvenience"

2. Refund will and must happen anyway by default since the service was not availed. Is this all a customer is entitled to get? Is this the brand handles a customer?

3. Since no one raises a voice and they get pacified with a simple apology message from the brand which is no good since I paid so much for my travel and spending my time to come all the way, who will compensate it?

I can very well take this to Consumer Forum to teach the brand a proper lesson but since it is a time consuming process, I am writing this blog post so that you all will know as to what exactly is happening and be aware of the smart way of tackling the customers.

My Tweet link showing the Screenshots are here:

https://twitter.com/AryanSarath/status/894087935875731456

The best part is this. Eventhough I haven't watched the movie, I got a prompt SMS asking me to rate the movie and the experience.

Secondly, I got an SMS about the cancellation of screening of the movie, the next day and not a day before or even on the day when the movie is about to be screened which would have avoided the inconvenience caused to me.

This bitter experience has made me to take a firm decision to boycott PVR with immediate effect and I have also tweeted to them registering my strong protest and that I would not be using the refund credit as a mark of my protest.

If you have also experienced something similar to this, it's time to rise up!!!


Communication and Civilization launched by Maharashtra Chief Minister Mr. Devandra Fadnavis

L to R: Jayraj Salgaokar, Mr. Devendra Fadnavis and Amit Chatterjee

The Honorable Chief Minister of Maharashtra, Mr. Devendra Fadnavis, unveiled an academic textbook 'Communication & Civilization’ authored by Mr. Jayraj Salgaokar and Mr. Amit Chatterjee. The book release function was held at Varsha, the Chief Minister’s official residence Mumbai. The Chief Minister, who is well acquainted with both the authors, appreciated the years of efforts that went into the creation of this book. 

The book describes human race’s hunger for knowledge and the journey of  communication from stone tablets to phone tablets and beyond. The book aims to provide layered information & analysis in a simplified manner for students in the field of media and communication.

The book has been jointly authored by Mr. Jayraj Salgaokar, an economist and the co-founder, Editor & Publisher of the popular publication 'Kalnirnay'. The other author, Mr. Amit Chatterjee has extensively worked on digital media in Mantralya and presently focuses on smart cities with Silicon Valley-based enterprise ‘Array Networks’. 

The book has received forewords from Union HRD Minister Prakash Javadekar and ICT & Law minister, Ravi Shankar Prasad respectively. The Vice Chancellor of Mumbai University, Mr. Sanjay Deshmukh has written an introduction for the same.  The book has been published by the Delhi based Kautilya Books and is available on Amazon and Crossword for purchase. (Pages : 234, Price : ` 350/-) There is also a microsite www.civilcommunication.org created for the book.

To know more about the book: 

Minutes of the Board Meeting - 5th August 2017



The club meeting conducted today decided to conduct Installation and Induction meeting. The President is Authorised to see the various possibilities at minimum cost. The President will get back in a few days. 

The President in his address dealt on the various projects done in the month of July. He also  informed the members that two accounts have been opened. Henceforth, members can give cheques in the name of these accounts. 

An Estimate of revenue collection and expected expenses was submitted. 

All the members are requested to give the subscription amount of Rs.7000  immediately as international dues and District dues are to be paid.
 
The President also explained the thrust areas of Service of the International and the District. 

Those who like to contribute 20, 50, 100 dollars to LCI Foundation are free to contribute. One can opt for MJF Award too for which there is 50% discount offered by the District.

The President informed the members that this year he has taken up free distribution of Sanitary Napkins to poor girl students in govt schools. He will be promoting the project as DC Women Hygiene too.

A contribution of Rs 600 would help in 2 girls getting 10 Napkins every month for 10 months. Lns Sarath Babu, Senthil Raj Babu contributed 600 each. Thanks to the two Lions.

The meeting pledged to increase membership on a priority basis. All the members are requested to focus on membership and that too quality members.

Book your vehicle online and win it big with Autoportal

With festive season coming up soon where we would witness lot of offers across various sectors, Autoportal which is one of the leading eCommerce sites when it comes to booking a 2/4 wheeler, has also announced some amazing offers.

While you need not have to rush up to avail the offer since it is available for the next 27 days, I would suggest you not to wait until the end since the response is overwhelming. Though the offer is named Independence Day Offer, it goes all the way till 31st August. 

Many of us would always want to but the vehicle on special occasion like Ganesh Chathurthi or Janmashtami and this is just the right time for you to make the best use of the offer. There are many advantages whilst booking via #Autoportal. You can not only save time but also some money since you would be given the best offers that is available across various dealers.

Before we could go ahead to see how it works, do have a look at the prizes.

As you could see from the above, one lucky winner would get to fly to Dubai. Another one to Goa and 3rd winner to get a 32GB iPhone 6. What more would any one else want? There are consolation prizes as well where 7 winners would get ICICI Gift card worth Rs.5,000 each. This is like a double delight since you not only save time and money in the first place but also get to win some cool prizes too. All you need to do is to click here and transact.

Do have a look at what the procedure is which is really a simple one.


As you could see, all you need to do is to select the City you want to book it, select the Make and Model and you would see the one mentioned below. Fill up the details and you are all set to go. DO NOT FORGET TO SEND THE BOOKING RECEIPT DETAILS VIA WA TO 09953350171 to ensure you are eligible for all the offers from Autoportal.


Are you all set? Go ahead and make your booking now.

How to go about using the Autoportal site?

The site is easy to use even for a novice. You can not only search and book the new cars but also the used ones as well. One can even book New 2 wheeler using this site. Since when it comes to 2 wheeler, there are 100's of options available across various brands which confuses us most of the time with regards to making the decision. I am sure you would agree with me on this but fret not. Autoportal makes is easy for us.

How?

Take a look at some of the screens below:




As you could see from the above, the site offers a stupendous compare option using which you can compare various models before zeroing in on one after taking into consideration all your requirements. This simply means, you are not misled by the salesperson in showroom who would want to sell the model which would fetch him more incentives.

 Not only that. You can even search for upcoming models of various brands and can wait and make your purchase if you are attracted to a specific model or brand.

You can do lot many other things on the site which includes renewing your car insurance, applying for a quote, EMI calculation and even buying spare parts.




What more do you want? Head over to the portal and start exploring it today. I am sure you would make your decision with the help of Autoportal and end up buying your dream 2/4 wheeler.

Its time to beat all the odds as you have got the #FreedomToExplore

Book Review - Prisoned In Love



Title - Prisoned In Love
Author - Vaiibhav Nigam
Genre - Fiction
Publisher - Story Mirror
ISBN - 978-93-86305-81-7

A beautiful story written in a more elaborate way. If you ask me the story, I can say it in one line. It is as simple as that but the way it was written needs an appreciation for sure. There will not be any spoilers in this.

Rayirth Kapoor aka Ray is the protagonist of the story. He had all he wanted in his life. He got admitted to NYU where he did his MBA and gets into a top investment bank. However he attempts a burglary and gets imprisoned since he did not deny the charges.

Why did he attempt burglary?
Why did he not deny the charges?

There was a flashback for this. It is depicted in each and every chapter where there will be a present and there will be a past combined. I wouldn't say this is unique but it certainly evokes interest as you as a reader would want to know s to why Ray did this.

In the prison, he gets to meet few convicts. He plans for an escape. He also gets to see something he always wanted to avoid - when there was no light. What was this and has it got any connection to his conviction and planned escape?

Read the novel in full to find out all the secrets.


The book is available on Amazon.

Tea Treasure - one stop destination for all the tea lovers

Do you love drinking tea? 
Do you get refreshed with the mere aroma of tea?
Is Tea your best companion?

Then you have reached the right destination. How many cups of tea do you drink in a day? A research says drinking 3-4 cups of tea will enhance immunity and also keep you young and healthy. Tea has lot of goodness in it which will never do any harm, anytime.

Do you get bored by drinking the tea? I am sure you wouldn't unless you are not that much interested in sipping tea. It is one of the most preferred drink worldwide. It goes well with lot of things. For goodness purpose, I am not mentioning all but a very few which includes chaats, biscuits and samosa to name a few.

I was not a great fan of tea myself but when I came across Tea Treasure on Amazon, I was amazed. The reason was that I could see not less than 30 varieties of tea. You read it right. They have a collection of various combination of tea which you wouldn't have even dreamt about it. I did not wait any further but started ordering all that I could.








As you could see, there are so many and they also have some accessories like tea cup, filter, filter bags which are reusable, Honey(which can act as a substitute for Sugar) etc.,

The products I ordered includes Sweet Dreams, Slimming, Kadak Masala, Premium Chai Masala, Immunity Booster, Mint Fusion, Tulsi, Lemon Tulsi, Premium Chai Combo, Topical Hibiscus,
Kashmiri Kawa, English Breakfast, Herbal Tisane, Oolong, Zesty Lemon, Silver Needle, Darjeeling FF, Darjeeling SF, Premium Chai, Green Butterfly, Princess of Green, Coconut Sencha, Pure Sencha, Pure Rooibos, Rooibos Temptation, Chamomile, Peepal Baba and Infuser.

As the name itself suggests, you can go for specific ones in order to see better results.

For instance, drinking Immunity Booster will help you get more immunity in your body in a natural way.
Topical Hibiscus -> You will find the hibiscus leaves infused with tea leaves.
Slimming Tea -> will help you in the slimming process.
Darjeeling SF -> Tea sourced from Darjeeling plantations
Mint Fusion -> Works well during cold.
Princess of Green -> Green Tea.
Tulsi -> Good for cold.
Lemon Tulsi -> Goodness of Tulsi combined with Lemon.

Eventhough some of the product names may look similar, each and every product differs from one another greatly. The speciality of these tea are the ingredients which I am sure that you would not have seen/witnessed it elsewhere. Only when you buy and use it, you would vouch my claims as you could see it yourself.

I could see that you are already having a near fatigue on going through such a huge list of varieties they have.

Each and every pack comes with unique ingredient which also sports a illustration mentioning as to how to use it. Most of the times, it is all about heating the water and add the the powder as usual and once it boils, remove from the stove. Add honey. Filter it and drink it. The smaller packs can serve atleast 8-10 cups which may differ according to your usage.





As you could see, I had the pleasure of tasting some of the best teas available out there sitting at home. Had I ventured out for the same to taste it in a high end restaurant or a dedicate tea house, I would have shelled out a bomb to sip/taste these many varieties of tea which luckily I avoided.

Now you also know where to head out to.....

DSK Benelli 302R launched in India- First full faired motorcycle from Benelli in India




Steering all the way through trade shows, exhibitions and super bike festivals across the country, the DSK Benelli 302R has made its way to the Indian roads. The keenly awaited DSK Benelli 302R, which also comes loaded with (ABS) as standard, has been launched by DSK Motowheels, one of India’s strongest and most well-established players in the Indian super bike industry. The first track focused supe rbike from DSK Benelli is all set to create ripples in the high-potential mid-size segment market of India.

The DSK Benelli 302R offers a perfect confluence of technology and design to the Indian biking aficionados. The sheer thrill of the superbike grips the rider with its powerful presence, compelling design and robust build. Adding to its ingenious engineering is the impeccable engine sound that serves as music to every biking enthusiast’s ears. Further, the superior performance of the 302R simply makes it stand out of the crowd! 

Mr. Shirish Kulkarni, Chairman, DSK Motowheels said, “DSK Benelli has undeniably established itself as the favoured brand of super bike lovers in India. Launch after launch, we have received a phenomenal response to the power-packed street-naked machines that have been launched in the country. The DSK Benelli 302R, however, is our first full-faired super bike which is set to alter the paradigm of the mid-sized segment in the country. This market is highly lucrative with widespread demand and DSK Benelli is perfectly poised to capture a lion’s share of the segment with the 302R joining our existing and highly successful line-up of super bikes.  We are certain that the reception to this glorious super bike will be as overwhelming as that for our previous models.”





Launched with 3 colour options – White Rosso, Red Nero and Silver Verde; the 302R is available in across all DSK Benelli showrooms PAN India.

Boasting an in-line two-cylinder, 4-stroke, DOHC engine that is bolted on to an all new chassis, the 302R is mated to a six speed gearbox and churns out 38.26 bhp of power at 11500 rpm, while generating an impressive 26.5 Nm torque at 10000 rpm.

The 302R also offers a flawless superbiking experience on Indian roads, courtesy of the precisely calibrated front USD forks and rear mono-suspension, which work together to offer a comfortable riding experience.
The 302R comes with a 4-year unlimited kilometre warranty and also the customer can opt for ‘Happy Savings Plan’ which offers customers the advantage of low ownership costs, as well as warranty protection – the perfect companion to their dream bike.

About DSK Group:
A leading diversified business conglomerate in India with a multi-crore turnover. The group has spread its wings in diverse business verticals like Construction, Automobiles, Information Technology, Education and High-end Professional Courses, Pharmaceuticals, Hospitality, Tours & Travels, Banking &  High- End Dairy Solutions, International film production, Digital Products, Investments and Infrastructure, Video Games. The DSK Group is renowned as one of the most ethical and successful groups based in Maharashtra.

About DSK Motowheels:
Established in 2012, DSK Motowheels, a part of the DSK Group, forayed into the growing automobile sector by entering the niche segment of powerful and aspirational bikes.
Taking forward the company’s rich legacy of dynamic entrepreneurship, Shirish Kulkarni, Chairman, DSK Motowheels, spearheads the brand‘s operations in India with the primary objective of providing a world class super biking experience.

With a CKD plant in Maharashtra, the brand enjoys the status of having the strongest & most well entrenched superbike network in India. DSK Motowheels is known for its high-end biking experience, extended product line, technology and quality. DSK Motowheels also prides itself in providing the best customer centric service and aftersales support in Indian Superbike Market.

About Benelli:
FROM HISTORY TO THE LEGEND      

As often happens, the history of great industries is born in garages. In our case this is the Benelli Garage”, Where, in 1911, the 6 Benelli brothers Giuseppe, Giovanni, Francesco, Filippo, Domenico and Antonio, known as "Tonino”, repaired and manufactured motorcycle parts. In 1921 the 'Velomotore' was created: a single cylinder two stroke 75cc bike adapted to a bicycle frame and the following year it was the turn of the 98cc 'Motoleggera', immediately appreciated by the public of that time. The first real Benelli motorcycle, a 175cc model, ridden by Tonino, proved immediately to be a winner in the world of competition. Here began a long list of glorious moments, with more than 1000 victories in the Italian and European Championships and two World Titles won in 1950 and 1969. Many legendary riders have ridden Benelli motorcycles. Besides Tonino, the owner of the company, the Italian riders Ambrosini, Grassetti, Campanelli, Provini, Pasohni, Villa and the internationals  Saarinen, Hailwood and Carruthers.

At the end of the 60's the last motorcycle of the family owned company was born; the Tornado 650 which developed 50 hp at 7000 rpm, and easily  surpassed 170 km/h. Later the first ownership change took place, but motorcycle production  continued in Pesaro with the ground breaking in line 6 cylinder 750 and 900cc Sei’s which were manufactured up until the early 1980's. In 2001 the production of the first all new in-line triple powered range began, with the fully faired supersport Tornado 899cc Limited Edition. The addition of the Tornado Naked Tre or TNT for short, and subsequently the Tre-K in both 899 and 1131 cc variants meant that Benelli was truly back in the market of large capacity sports motorcycles. Today Benelli is part of the Qianjiang (QJ) Group, a corporation which produces more than 1.2 million two wheelers per annum. QJ, wishing to respect the tradition of passion which has always guided the history of the Italian brand, will continue manufacturing bikes in Pesaro, the traditional home of Benelli Motorcycles.