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'Today is good, tomorrow will be better': Railway Minister says investing in Indian infrastructure will lift the world economy Putting his faith in the Indian economy and Prime Minister Narendra Modi's initiatives for the financial inclusion of the marginalised sections, Railway Minister Suresh Prabhu said on Monday: “Today is very good, tomorrow will be better.” Speaking at the Mail Today Financial Inclusion Conclave, the minister said: “This effort is commendable.” “It always eluded us that all families in India have a bank account. The PM made that happen in the time it takes to go from Red Fort to Raj Path,” he said, referring to the PM declaring the Jan Dhan Yojana on August 15 and setting the target for January 26. Railway Minister Suresh Prabhu said that India is crucial to salvaging the world economy The minister said it was a mission to include the masses in the banking system and bring them to the financial mainstream. He lauded the Jan Dhan Yojana and said its success encouraged the PM to launch the second wave of this inclusive policy. “The PM launched the second wave of financial products in the form of insurance. It was earlier said there was tension but no pension,” he said. Socially desirable pre bonded hairRailway Minister Suresh Prabhu speaks at the Mail Today Financial Inclusion Conclave Financial Inclusion is socially desirable, Prabhu said. “In 1969 banks were nationalised ostensibly for this very purpose, to take banking to the masses. But we could not achieve what we wanted to. If we can get people to participate in the financial mainstream, many a benefit will accrue to them.” Prabhu also emphasised that financial inclusion via the banking sector has and would further deal a death blow to the institution of black money. “With financial inclusion, through the institution of banks, a host of possibilities will open up. The root cause of black money was the absence of banking. Once we enter the financial mainstream, the need to deal with cash disappears,” he explained.

Focus on tech He also drew attention to the centrality of technology. “We are also trying to hike the tax to GDP ratio by introducing such measures as part of the goods and services tax (GST),” he said. “If we are financially strong only then will we be able to initiate more welfare schemes,’’ he added. “Once a person enters the banking system, the bank knows it's customer in so far as it generates an identity. This identity then leads to such benefits as worthiness for credit,” he pointed out. remy hair extensionsPrabhu also suggested that banks should lend to the masses as the common people who borrow small sums have proved themselves to be more creditworthy. “The small borrowers are very concerned about their credit worthiness. So if the banks want to lend, retail lending is far better than lending to large corporations. The risk element is less,” he said. Prabhu, who is headed for Singapore on Tuesday to hard-sell India as an investigation destination, also said that India was crucial to salvaging the world economy. “India can lift the world economy. Making investments in the Indian infrastructure will have global effects. The Indian infrastructure story is not confined to India alone. It will create services across several sectors that will have global push.” Bank accounts for all are not enough By Aparna Chandrashekar in New Delhi

The Mail Today conclave on Financial Inclusion addressed what it means to be financially secure in a country like India. A large number of bank accounts were opened last year under the prime minister’s Jan Dhan Yojana, tapping into the unbanked, mostly rural populace. The Mail Today conclave on Financial Inclusion addressed what it means to be financially secure in India A panel discussion during the event featured eminent figures from the banking and finance industry - Kotak Mutual Funds managing director Nilesh Shah, Bajaj Auto managing director and well-known financial distributor Rajeev Bajaj, and Chief Executive Officer, Canara HSBC OBC Life Insurance Anuj Mathur. One of the most important questions posed was how to move our citizens from a place of being ill-informed to knowledge and inclusion. Nilesh Shah believes there are three basic problems: education, incentive and procedure. “If I’m a gold distributor, I can charge anything, I don’t have to buy the gold if I’m selling it to you, I don’t have to do any KYC, I can accept cash and if I want to charge a 35-40% premium on a small denomination, nobody can stop me. If I want to do some ‘milavat’ in gold, that’s perfectly acceptable. With such incentives, it makes more sense for me to commercially sell gold than anything else, which is why we have more gold distributors than any type of financial agents,” he said. Arguably, opening bank accounts for everyone does not accomplish financial inclusion. The biggest challenge, as pointed out by all the panellists, is the need for adequate financial services to everyone. Rajiv Bajaj believes that in order to achieve this, it is essential to let the citizens participate in the growth of the country and that as a household, our prime task is to beat inflation. He stressed the importance of financial distributors, stating: “Any professional needs reward, recognition and respect, but the role of distributors in India is not recognised. Out of the one lakh registered mutual fund advisers, only 1,200 make more than 10 lakh per year. And that’s the salary of an IT graduate with three years of experience. We need 50 lakh distributors in the industry.” But we can’t talk about financial inclusion without factoring in the role of technology. The question then is will technology engulf all processes or is it hardly a competition and only just a question of finding the right balance? perruques cheveux naturelsAnuj Mathur thinks the very first step is it to incentivise financial distributors and giving them fair remuneration. He goes to add: “Digital will catch up, and the demand for online products will go up, but there will still be a big market for advisory sales. There will always be knowledgeable people going for online products, but nevertheless, a huge percentage of the population will go for advisory sales.” Rajiv Bajaj believes that there is an “extreme expectation that digital will replace traditional distribution”. He thinks that it will always remain a face-to-face business that will leverage technology. Airtel bats for mobile banking By Mail Today in New Delhi

Airtel Business (India) director and president Manish Prakash said mobile-based technology could bring financial services to villagers Leading mobile phone services firm Airtel sees tremendous scope for convergence between telecom firms and banks in providing safe, secure and affordable financial services to people living in remote areas. Elaborating on ‘the role of technology in making financial services easily accessible’ to the poor, Airtel Business (India) director and president Manish Prakash said that mobile-based technology has the potential to deliver banking services to the vast population of India. Prakash said that while only 47 per cent of the Indian population has bank accounts, as much as 86 per cent has mobile phones which could be leveraged to provide financial services to the doorsteps of villagers. perruques cheveuxPrakash explained that digitisation makes transactions safer and more secure as the transfer takes place in a virtual transaction. He said Airtel was working in multiple ways to enable banking through phones and smart apps, internet-based banking and SMS-based services to those who do not have smartphones. “We are working with public and private sector banks to spread financial inclusion,” he said. Prakash added that “bank in a box” was another product that Airtel was offering by which existing financial products could be delivered to far-flung villages in an affordable manner through a tablet-based option which functioned like a briefcase from which money was distributed around. He pointed out that the key regulatory reform of giving licences for payment banks would help expedite the financial inclusion process as technology would help in providing the payment gateway for the masses across the country. Prakash said currently one billion people across South Asia and Africa do not have access to quality financial services and multilateral institutions like the World Bank and ADB have been expressing concern over the issue. He pointed out that the goal for meeting the needs of providing financial services to the unbanked population will also enable banks and telcos to earn more revenue. He cited estimates of a global potential of $5 billion in revenue for banks and $3 billion for telcos that could be earned through greater financial inclusion.

Chris Rock's 33-year-old girlfriend Megalyn Echikunwoke flashed a diamond ring on her wedding finger on Saturday evening while at the Apollo in the Hamptons 2016 party in New York City. The timing is interesting as the next day the comedian finalized his divorce from wife of 20 years, Malaak Compton-Rock. The ring - a yellow gold double band with a small diamond - could be an engagement ring. As PageSix revealed on Thursday, a friend shared a clear image of the ring and added it was time to celebrate 'new beginnings,' strongly suggesting the standup could be on his way to another marriage. Bling it on! Chris Rock's girlfriend Megalyn Echikunwoke flashed diamond ring on wedding finger on Sunday the night before his divorce was finalized from wife of 10 years Malaak 'Last night we celebrated new beginnings . . . #lovewins,' the unidentified friend wrote in the caption. The site pointed out Echikunwoke seemed to take a dig at Malaak when she replied 'Bye, Felicia,' which is a catchphrase that pretty much translates to 'don't let the door hit you on the way out,' only not as polite. A friend added crying-laughter emojis. They look good together: The standup and Echikunwoke at the Governor's Ball at the 88th Academy Awards back in February; she does not appear to have the ring on here The post was then taken down. The beauty glowed as she held onto Rock, who was also in great spirits. She had on a lovely floral-print dress with spaghetti straps and her hair was worn down over her bare shoulders. lace front wigsA source told PageSix, 'she always wears that ring,' which appears to be true as she has had it on several times in the past six months. They have been dating for one year and she lives at his New Jersey home. The last one: Rock and Malaak back in 2014; they have two daughters together and have raised an adopted daughter as well His rep then said Chris was '100 percent' not engaged. On Monday Chris and Malaak both appeared in a New Jersey courtroom to finalise the split, reported TMZ. The 51-year-old comic actor and his wife - who have been separated since 2014 -have two daughters Lola Simone, 14 and  Zahra Savanna, 12. Chris and Malaak Compton-Rock also appear to have been raising eight-year-old Ntombi, who first came to live with them from South Africa when she was six months old, according to the website, although details are unclear. In divorce papers, Malaak listed Ntombi-futhi Samantha as a dependent along with the Rocks’ two biological daughters. The kids: Chris with Malaak and children Lola, Zahra Savanna and Ntombi at the Madagascar 3: Europe's Most Wanted premiere in NYC in 2012 She stated that in addition to their two children, there is a child 'who has resided with the parties since before her first birthday.' But rather mysteriously, a spokesman for Chris told TMZ he does not have an adopted child. TMZ previously reported that back in 2008, the family took in Ntombi who remained in their house and was subsequently enrolled in a local school. She mingles with the big guns: Chris and Megalyn with Harvey Weinstein at the Apollo party The site added that the girl's parents were thought to be unemployed and from South Africa, although it is not known why she was living with the Rock family. They add that when Chris and Malaak began divorce proceedings, Chris maintained contact with his two biological daughters. However their divorce case is sealed so it is not known what settlement was reached. Meanwhile, Chris began dating actress Megalyn earlier this year. Megalyn, who has had recurring roles in 24, ER, CSI Miami, The 4400, 90210 and Damien, was most recently featured as the animal-powered Vixen in the TV series Arrow.

Madonna surprised fans with an unexpected appearance at a 25th anniversary screening of her documentary Truth Or Dare on Wednesday. The superstar showed up at the event held at the Museum of Modern Art in Manhattan to the delight of the 400 or so in the audience. The 58-year-old pop culture icon shared a couple of photos on her Instagram showing her standing between two on-screen images of herself from her Blond Ambition tour of 1990. 'Surreal moment!' she wrote alongside the picture. Scroll down for video 'Surreal moment!' Madonna surprised fans at a 25th anniversary screening of documentary Truth Or Dare and posed next to images of herself from the 1990 Blond Ambition Tour Madonna: Truth Or Dare was first released in May 1991 and followed the Material Girl on tour and showed her behind-the-scenes with then-boyfriend Warren Beatty, praying with her backup dancers and facing arrest for public indecency at her concert in Toronto, Canada. 'So many freedoms we take for granted that we did not have then. Thank you Alek Keshishian. We changed history with this film.!' Madonna wrote. Keshishian directed the film that was shot in black and white. Who's that girl? The pop icon, who just turned 58, delighted the 400 or so fans gathered to watch the film at the museum Of Modern Art in Manhattan on Wednesday Demure: Madonna wore an off-he-shoulder red dress with white floral detailing and cinched at the waist with a black band for her surprise appearance Sharing 'a kiki': She was accompanied by her daughter Lourdes 'Lola' Leon, 19 cosplay wigs In a second photo shared via her Instagram, she's seen sharing 'a kiki' with daughter Lourdes Leon or Lola as she calls her. Madonna wore a red off-the-shoulder dress with a flounce neckline and black spaghetti straps. The frock features white floral detailing, half-sleeves and was cinched under the bust with a black band. She added a matching black and white floral patterned purse and wore her signature blonde hair styled in loose waves to her shoulders. Madonna had just returned from a birthday trip to Cuba with Lola, 19, and adopted children, 10-year-olds David and Mercy. Truth Or Dare AKA In Bed With Madonna showed behind-the-scenes footage of the singer including candid moments with then-boyfriend Warren Beatty and prayer circles with her dancers Getaway: Madonna recently celebrated her 58th birthday with a trip to Cuba accompanied by daughter Lola, 19, and her adopted children David and Mercy, both 10

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