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Sowei 2025-01-13
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5jili The Congress on Wednesday flagged major economic challenges that have affected consumption patterns and pointed to a "shrinking" urban middle class , asking when will Prime Minister Narendra Modi recognise this reality. Congress general secretary in-charge communications Jairam Ramesh said that in the last few weeks, multiple leading lights from India Inc have flagged the tremendous slowdown in household private consumption, even in the previously red-hot FMCG sector. "Now, a new report by the well-regarded Marcellus Investment Managers reveals three major economic challenges that have affected consumption patterns," he said. Flagging the issue of deteriorating household balance sheets, Ramesh said according to the RBI's own data, net household savings as a percentage of GDP are at their lowest level in nearly 50 years. Mounting unsecured loans have pushed net savings into the red, leaving families with less disposable income, he said. Data Science SQL Server Bootcamp 2024: Transform from Beginner to Pro By - Metla Sudha Sekhar, IT Specialist and Developer View Program Leadership Validating Your Startup Idea: Steps to Ensure Market Fit By - Dr. Anu Khanchandani, Startup Coach with more than 25 years of experience View Program Web Development Advanced C++ Mastery: OOPs and Template Techniques By - Metla Sudha Sekhar, IT Specialist and Developer View Program Web Development Advanced Java Mastery: Object-Oriented Programming Techniques By - Metla Sudha Sekhar, IT Specialist and Developer View Program Office Productivity Zero to Hero in Microsoft Excel: Complete Excel guide 2024 By - Metla Sudha Sekhar, IT Specialist and Developer View Program Office Productivity Microsoft Word Mastery: From Beginner to Expert By - CA Raj K Agrawal, Chartered Accountant View Program Office Productivity Mastering Google Sheets: Unleash the Power of Excel and Advance Analysis By - Metla Sudha Sekhar, IT Specialist and Developer View Program Office Productivity Excel Essentials to Expert: Your Complete Guide By - Study At Home, Quality Education Anytime, Anywhere View Program Web Development Intermediate C++ Skills: Master Pointers, Structures and File Stream By - Metla Sudha Sekhar, IT Specialist and Developer View Program Office Productivity Advanced Excel Course - Financial Calculations & Excel Made Easy By - Anirudh Saraf, Founder- Saraf A & Associates, Chartered Accountant View Program Marketing Future of Marketing & Branding Masterclass By - Dr. David Aaker, Professor Emeritus at the Haas School of Business, UC Berkeley, Author | Speaker | Thought Leader | Branding Consultant View Program Artificial Intelligence(AI) Generative AI for Dynamic Java Web Applications with ChatGPT By - Metla Sudha Sekhar, IT Specialist and Developer View Program Marketing Performance Marketing for eCommerce Brands By - Zafer Mukeri, Founder- Inara Marketers View Program Artificial Intelligence(AI) Tabnine AI Masterclass: Optimize Your Coding Efficiency By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) ChatGPT Mastery from Zero to Hero: The Complete AI Course By - Metla Sudha Sekhar, IT Specialist and Developer View Program Artificial Intelligence(AI) AI for Everyone: Understanding and Applying the Basics on Artificial Intelligence By - Ritesh Vajariya, Generative AI Expert View Program Data Science SQL for Data Science along with Data Analytics and Data Visualization By - Metla Sudha Sekhar, IT Specialist and Developer View Program Finance Financial Literacy i.e Lets Crack the Billionaire Code By - CA Rahul Gupta, CA with 10+ years of experience and Accounting Educator View Program Finance Financial Literacy for Non-Finance Executives By - CA Raja, Chartered Accountant | Financial Management Educator | Former AVP - Credit, SBI View Program Finance Tally Prime & GST Accounting: Complete Guide By - CA Raj K Agrawal, Chartered Accountant View Program He also pointed to a cyclical economic downturn and said India's post-Covid recovery has sputtered out. Corporate earnings in Q2 FY25 recorded the steepest slump in two decades, apart from crises like the 2008 financial crash, Ramesh said. Pointing to technological disruptions , Ramesh said routine and repetitive jobs that once formed the backbone of middle-class employment are increasingly being replaced by cost-cutting measures like automation and outsourcing. "The urban middle class has been disproportionately affected and is 'shrinking.' When will the PM recognise this reality?" the Congress leader said. The Congress has been attacking the government over its handling of the economy and raising concerns over "increasing" unemployment and price rise. (You can now subscribe to our Economic Times WhatsApp channel )

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Why Martin Amidu Cannot Support Mahamudu Bawumia’s Candidature At The 2024 ElectionsMinnesota will try to bounce back from two straight losses when it hosts Bethune-Cookman on Sunday afternoon in Minneapolis. The Golden Gophers (5-3) are coming off a 57-51 loss against Wake Forest on Friday, which followed a 68-66 overtime loss against Wichita State on Thursday. Both games took place at the ESPN Events Invitational in Lake Buena Vista, Fla. Minnesota coach Ben Johnson cited inconsistency on offense as the main reason for his team's recent skid. "We're painfully figuring that out," Johnson said. "I thought our defense, though, (Thursday and Friday) has proven this is a top-40 or top-30 defense. We've got to be able to show up with offense and free throws." Golden Gophers starter Lu'Cye Patterson said he and his teammates remain confident in their potential as the Big Ten conference season approaches. "We just have to keep doing what we're supposed to do and keep our level of defensive play up," Patterson said. "It's going to win us a lot of games. The offense is going to come." Bethune-Cookman (2-5) will try to play spoiler on the road. The Wildcats have split their past two games as they beat North Dakota 79-67 on Tuesday and lost to Gardner-Webb 79-64 on Wednesday, both games played in the Cancun Challenge in Cancun, Mexico. Four players for Bethune-Cookman scored in double digits in their most recent game. Reggie Ward Jr. and Daniel Rouzan led the way with 14 points apiece, Trey Thomas scored 13 and Brayon Freeman chipped in 10. Bethune-Cookman is coached by Reggie Theus, who enjoyed a long NBA career and coached the Sacramento Kings for parts of two seasons. Theus said the Wildcats were in better position to compete this season compared with a season ago. "We've got a lot of depth, and we have age and experience," Theus said. "One of the biggest differences in our team is that we have great size now, where last year we were pretty small." Dawson Garcia leads Minnesota with 18.6 points and 7.3 rebounds per game. Patterson is next with 10.1 points per contest. Bethune-Cookman is led by Freeman, who is averaging 15.9 points per game. Thomas (11.7 points per game) and Ward Jr. (11.0) also are scoring in double digits. --Field Level Media

CHRISTMAS is almost here, and finding Christmas gifts that are perfect for every member of the family can feel like a daunting task -especially when you're keeping an eye on costs. But gift-giving doesn’t have to mean emptying your bank. Whether you're shopping for fun-filled activities, thoughtful trinkets, or practical offers to spark smiles, there are plenty of budget-friendly options that cater to everyone on your gift list. In this article, we'll be discovering a mix of creative and cost-effective ways to make the festive season special. After all, the best presents are about the thought, not price tags. Ready to tick off your Christmas shopping list while keeping your budget intact? Ensure your Christmas shop is hassle-free this year and find our options below. Toybox Shop holiday deals at Toybox If you're looking for the ultimate family gadget to add to your home for the festive season, meet Toybox . Toybox is an original 3D printer designed for families, it's designed to deliver endless fun and creativity in the comfort of your own home. With its easy setup and user-friendly app, Toybox takes care of the technical side, all you have to do is press print and watch the magic happen. It’s the only 3D printer in the UK that lets you create licensed toys from your kids’ favourite shows, including the likes of Spongebob, Batman and Scooby-Doo, alongside thousands of other characters. You'll also be able to dive into the Creator Space, where you can design, customise and print your own toys with ease. With 15 million creations printed worldwide, Toybox isn’t just a 3D printer, but a ticket to completely transform playtime. 1pMobile 1pMobile It's important to stay connected over the holidays, and if you're looking for incredible value on family mobile plans, 1pMobile has you covered. With various options available to suit your needs, 1pMobile has plenty of plans and tariffs for every family. Check out the Unlimited Family Bundle, for example, which lets you enjoy unlimited UK calls, texts, and data with the first SIM for just £25, and additional SIMs for only £12.50 each. If you prefer a smaller plan, you can choose from a range of bundles starting at 2GB or whatever suits you best. With a range of SIM-only deals, you can keep the phone you love while upgrading to a better, more flexible plan. All bundle deals include EU roaming (up to 14GB), 5G speeds, Wi-Fi calling, and VoLTE, ensuring seamless connectivity wherever you are. There is also the freedom of a 30-day plan, letting you adjust your bundle as your usage or situation changes. With amazing value and flexibility, staying connected has never been easier. Nextbase Nextbase The Nextbase Piqo 2K is the perfect solution for giving you and your family full peace of mind when using the road. The Nextbase Piqo 2K, which retails now for £99, is the smallest model from the world’s leading Dash Cam brand and boasts a sleek, compact design. With high-definition features including enhanced 2K recording for crystal-clear footage, a smart parking feature to record incidents while parked, and emergency SOS - you can be sure you have all of the comforts to keep you safe. Paired with an easy-to-use app, Piqo ensures driver and vehicle security every time you set off. Haleon Haleon Ease the stuffiness of a blocked nose caused by a cold during the Christmas period, with Otrivine Congestion Relief Nasal Spray. Nasal congestion can happen when the inside of your nose becomes irritated. This irritation sets off a reaction of inflammation, swelling and mucus production, making it hard to take in air through your nose. The latest innovation from Otrivine features a push-button applicator for easy and accurate dosing, while delivering fast relief, right to where it matters, in as little as two minutes and lasting for up to 10 hours. The patented nasal mist technology* offers a fine mist** with a 2X shorter nozzle, making the product more comfortable to use compared to the previous device. Enjoy fewer disruptions this festive season with Otrivine Congestion Relief Nasal Spray. Contains xylometazoline hydrochloride. Always read the label. You can find Otrivine at Boots, Tesco, Waitrose, Sainsbury’s, Superdrug, Asda, Morrisons and Ocado. * EP2654967B1 **New nozzle produces fine mist Lounge Lounge If you're wanting to stay cosy over the festive season, Lounge is a top option for all of your cosy comforts. While lingerie remains at the heart of the brand's identity, there are a plethora of designs that are perfect for gifting to loved ones or to add to your own comfortable clothing collection. Discover much-loved pieces like the iconic Black Balcony set or explore the bestsellers and new arrivals to find the perfect fit for you. This Christmas, customers can indulge in cosy essentials like knitwear, pyjamas, socks and dressing gowns. Esupply Get £5 off your first order using code: SANTA-S24 Esupply’s motto is “unreal tech, real people,” so if you're on the hunt for top-tech this Christmas, this is where you'll find it. In a world of bots and automated systems, Esupply stands out for its exceptional customer service, with 5-star rated support from real humans. Partnering with trusted brands like HP and more means that you can rest assured you're getting products that are reliable and up to performing all of your daily tasks. This includes options like the affordable HP 200 series laptop, which is ideal for browsing, gaming, or work. From laptops and desktops to mobile phones, home audio and more, Esupply is your one-stop shop for IT hardware and electronics. Smirk® Get 40% off Christmas teeth whitening bundle Ready to light up every room this festive season? Transform your confidence with the Smirk® Christmas Teeth Whitening Bundle . Perfect for gifting, couples’ self-care nights, or better yet as a little treat for yourself. Smirk ® has safely whitened over 9 million teeth across the UK, and is backed and founded by UK dental professionals. Their revolutionary PAP formula is bleach-free, making it safe for super-sensitive teeth while still delivering dazzling results. No discomfort, just a whole new level of confidence! Now slashed to 40% off for the Christmas season, this beautifully packaged bundle is only £59.99, and includes 2x Smirk® PAP Teeth Whitening Powder and 1x Smirk ® Boost Max Kit, leaving your smile holiday season ready just in time for Christmas. That includes free express shipping too—because who has time to wait when the social season is here? Join the 9 million smiles transformed by Smirk ® and make this Christmas your most confident yet. Don’t let your teeth miss out on the sparkle—shop now and get ready to shine in every photo! CONNOISSEURS CONNOISSEURS If you're a fan of sparkling things, especially as a gift for the holidays, it's important to keep your jewellery sparkling and in great condition. The Diamond Dazzle Stik is the ultimate cleaner for engagement rings, wedding bands, necklaces and more. Its advanced cleaning gel is safe for all your jewellery, easy to use, and is compact enough to fit into your purse. The unique polymer formula reduces fine scratches and removes dirt and oils, as well as repelling them for a longer-lasting shine. With quick, spotless drying, your jewellery maintains a high-gloss finish that lasts for this Christmas and beyond. Perfect for diamonds, precious stones, platinum and gold settings, this portable cleaner is ideal for on-the-go cleaning - so you're always ready to dazzle. Trusted by professional jewellers, find it online at Beaverbrooks, H.Samuels, The Diamond Store, Goldsmiths and more. Howe Tools Use code: XMAS100 to claim your FREE Stanley Pocket Driver This Christmas, Howe Tools is offering shoppers a FREE Stanley Pocket Driver when you spend £100 or more on Power Tools, DIY products, or garden tools. Whether you’re shopping for a professional tradesperson, a passionate DIYer, or a green-thumbed gardener, Howe Tools has everything you'll need to get started. With over 2,500 power tools in stock from top brands like Dewalt, Makita, Milwaukee, Bosch, Stanley and more, you’ll find the perfect tool for any project. Order by 8pm for free next working day delivery, complete with one-hour time slots and text updates. Plus, enjoy a 30-day no-quibble return policy for peace of mind on your purchases. Montserrat Montserrat Nestled in the heart of the Caribbean, Montserrat offers an authentic island experience. Known as the "Emerald Isle" for its lush green landscape and Irish connection, this volcanic paradise combines natural beauty, cultural richness and warm hospitality - perfect for a family getaway. Montserrat stands out with its pristine environment, from black sand beaches to lush rainforests. The active Soufrière Hills Volcano offers an exciting opportunity to witness the power of nature up close, including the buried capital city of Plymouth. Ideal for those seeking tranquillity and adventure, Montserrat offers hiking, marine life exploration, and the famous Christmas Carnival. Visit www.visitmontserrat.com to start planning your Christmas escape or New Year getaway. Enjoyed reading this article? If want more budget friendly Christmas gifts follow Checklist on Facebook, Twitter and Instagram, or sign up to the newsletter. Checklist is dedicated to providing the best free online competitions . Plus discover amazing new services and products when you visit the website today.

Taurus Horoscope Today: Focus on discipline and prudenceNew Delhi: Every winter, a greyish haze thickens in the air, with air quality levels reaching hazardous levels. To control the further rise in toxic air quality, several restrictions under Graded Response Action Plan (GRAP) come into effect. Currently, schools are switched to online mode, while there is a ban on construction and demolition activities. IPL 2025 mega auction IPL Auction 2025: Who got whom IPL 2025 Auction: Updated Full Team Squads There is a restriction on the plying of certain vehicles, including BS-III petrol and BS-IV diesel four-wheelers, non-cleaner inter-state buses from NCR states, entry of trucks, non-cleaner light commercial vehicles registered outside Delhi, and Delhi-registered BS-IV-and-below diesel-operated medium goods vehicles and heavy goods vehicles. While Delhi's transport sector is a major contributor to pollution, experts say not much has been done to strengthen public transport to reduce the number of private vehicles on the road. As per Economic Survey of 2023-24, Delhi has a total stock of 79 lakh vehicles — and it added 6.5 lakh vehicles during 2023-24, according to the VAHAN database. As much as 90.5% of these are two-wheelers and cars. On a daily basis, as many as 1,100 two-wheelers and 500 private cars are registered on average in Delhi, according to an analysis done by Centre for Science and Environment (CSE). Delhi sees the daily entry and exit of approximately 1.1 million vehicles. Emission inventory studies for Delhi done by IIT-Kanpur in 2015, TERI-ARAI in 2018, and SAFAR in 2018 point out that the transport sector's contribution to PM2.5 is 20%, 39%, and 41%, respectively. Private vehicles on roads have increased, but the number of public buses is highly inadequate to meet the city's requirements. Sample this: In 2018, Delhi govt informed Supreme Court that the city requires 11,000 buses to meet its transportation needs. However, Delhi currently has 7,683 buses, including govt-run DTC and cluster bus services. Of these, 3,000 CNG buses are more than 10 years old. Traffic police say that an average of 70 buses, including DTC and cluster, break down in the city every day, causing significant traffic congestion, inconvenience to commuters, and increased pollution levels due to idling vehicles. According to CSE, Delhi has around 45 buses per lakh population (considering 2011 census data) as opposed to the service level benchmark of 60 buses per lakh population specified by ministry of housing and urban affairs. Around 1 lakh three-seater auto-rickshaws ply in the city. Delhi Metro currently has an operational network of 348.418 km with 255 stations and an additional 85.982 km with 63 stations in the pipeline. Though Delhi Metro has been recording an increase in passenger journeys and is one of the most preferred modes of public transport, the lack of proper last-mile connectivity is an issue. Besides, a denser network of DMRC is required for routes connecting outer Delhi areas. Anumita Roychowdhury, executive director, research and advocacy, CSE, said despite several technology solutions implemented to control vehicular emissions, vehicles remained the top contributor among the local sources. "This requires massive scaling up of bus transport and its integration with the metro system with efficient last connectivity. This demands adequate, reliable, affordable, and connected public transport service across all neighbourhoods. This progress needs to be monitorable and verifiable," she said. Amit Bhatt, India managing director, International Council on Clean Transportation (ICCT), said, "To reduce vehicular emissions, we need to look at both the demand and supply sides. There is a need to add more buses, enhance the metro network, and create proper infrastructure for cycling and pedestrian-friendly areas." Another way, Bhatt said, was to restrict the absolute number of vehicles based on successful examples from other countries. "In China, there is a cap on the number of vehicles that can be registered. London has a provision for a congestion tax, while California made it mandatory for vehicle manufacturers to sell a certain percentage of EVs from their total fleet. After Delhi made it mandatory to switch to CNG, the time has come for Delhi to consider a shift to EVs by drawing inspiration from California model and give mandates to manufacturers to sell a portion of their fleet as electric. However, it is also necessary to have proper EV infrastructure at public and private places. For instance, Norway has a provision for the right to charge, and no society, municipal bodies, or others can refuse anyone from charging their vehicles." Former deputy commissioner of transport department Anil Chikara said several studies done in the past stated that 55% of vehicles travelled a distance of up to 5 km, while around 85% of vehicles covered a distance of up to 15 km in Delhi. "The focus should be on reducing the dependency on personal vehicles of those who cover up to 5 km daily. Strengthening the last-mile connectivity can help people switch to public transport," said Chikara. He added that similar to a golf cart, govt should introduce vehicles in the organised sector that could be plied for last-mile connectivity and people could use them on a sharing basis for travelling shorter distances.Global stocks end mostly up with DAX crossing 20,000 for 1st time

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