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Tuesday, November 12, 2019

economic news of india - world economic news - economics news for students - indian economy news

economic news of india - world economic news - economics news for students - indian economy news


Buckle your seat belts, the economy is headed for a bumpy ride

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Two of India's leading banks see growth slowing to 5% in the current financial year, following a sharper-than-expected contraction in industrial production in September and little evidence of a meaningful recovery. GDP grew 6.8% in FY19.Growth in the July-September period may have dropped to 4.2% from 5% in the first quarter, according to estimates compiled by ET, increasing pressure on the government to take more steps to revive sentiment and demand. Official GDP data for the second quarter will be released on November 29 and the first full-year estimate will be available in January."The second-quarter GDP growth rate is likely to slip to 4.2% on account of low automobile sales, deceleration in air traffic movement, flattening of core sector growth and declining investment in construction and infrastructure," according to Ecowrap, a monthly report by the Economic Research Department of State Bank of India (SBI).The SBI report pegged full-year growth at 5%, down from 6.1% it had estimated earlier and expects "larger rate cuts" from RBI in the December monetary policy review, although it cautioned against such a move. The economy grew 5% in the June quarter, its slowest pace in six years.Data released on Monday showed industrial production contracted 4.3% in September, the worst performance since October 2011. For the six months to September, industrial growth was 1.3% against 5.2% in the same period last year.The numbers triggered a raft of downgrades, even sharper than those after the first-quarter GDP estimates were announced in end-August.'Economic Activity has Worsened'A Kotak Mahindra Bank note said it expected second-quarter growth at 4.7% and full-year growth at 5%."After a disappointing start to 1QFY20 amid a consumption and investment-led slowdown, high-frequency indicators suggest that economic activity has worsened in 2QFY20, despite a pickup in government spending," the note said.The weakness in the real estate and financial sectors are feeding into each other, said Crisil chief economist DK Joshi, pegging July-September growth at below 5%. The "recovery will be gradual as the current downturn is accompanied by clean-up in the financial sector."LITTLE CHEERAdvance indicators show weak consumption and investment, prompting gloomy estimates.Power demand fell 13% in October, diesel consumption has contracted in recent months and, despite the festive season, retail car sales were barely positive in November. A quarterly survey by think tank National Council of Applied Economic Research (NCAER) showed business confidence at a six-year low in October, falling sharply by 15.3% from July."Most high-frequency indicators remain visibly weak," said Siddhartha Sanyal, chief economist and head of research, Bandhan Bank. "Business and consumer sentiment indicators are markedly depressed as well. Overall, a sub-5% Q2 FY20 GDP print is a strong possibility." Any improvement in the second half will likely be modest and gradual.Sanyal pegged FY20 growth at 5.5%.HDFC Bank chief economist Abheek Barua is more optimistic about the last six months of the fiscal year."Second half will look better... sequentially it would be better," he said. "There are structural issues in automobile but sectors such as FMCG (fastmoving consumer goods), pharma, chemical seem to be doing well looking at the corporate results."HDFC Bank expects second-quarter growth at 4.8% and 5.8% in FY20.Barua's optimism was shared by rating agency CARE's chief economist Madan Sabnavis, who expects second-quarter growth at 4.5% and for the full year at 6.2%, with a downward bias."We may expect better numbers in Q3 and Q4 as the statistical bias would diminish," Sabnavis said. "However, on the whole, growth conditions remain muted and for the full year our projection remains at around 6.2% with downward bias."Kotak also expects economic activity to improve somewhat from the second half due to a favorable base effect and lower policy rates amid easier liquidity conditions and government spending.RATE CUTS AND STIMULUSThe expectations of sharp rate cuts have risen in the December policy review.The central bank has already cut policy rates by135 basis points in the current year. In its last policy review the RBI had cut its growth forecast for the year to 6.1% from 6.8% estimated earlier. The central bank had forecast a 5.3% rise in GDP in the July-September quarter.However, the SBI report said "a larger rate cut" is unlikely to lead to an immediate revival and could result in potential financial instability. Debt-financed consumption against increasing household leverage has not worked overseas and India can't be an exception it warned, calling for fiscal measures from the government."Much of the reluctance about use of fiscal policy in India currently appears from the fact that the monetary policy space is still adequate. This we believe could be counterproductive," said the SBI report authored by Soumya Kanti Ghosh, group chief economic adviser. 72031923 "A more aggressive fiscal and monetary response is needed to arrest the downturn," Edelweiss said.The government has unveiled a series of measures, including a cut in the corporate tax rate to 15% and a Rs 25,000 crore special window for stalled real estate projects to help revive the economy.

US dream is still intact for Indian techies

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American tech firms are increasingly sponsoring green cards, or permanent US residency, for their employees from India and elsewhere in a bid to hold on to their skilled talent pool at a time when work visa extensions have become unpredictable. Eight out of the top 10 companies that applied for green cards for their employees in fiscal 2019 were US firms, show data released by the US labour department. Amazon, which also received the second highest number of H-1B work visas in FY19, filed 3,247 permanent residency applications followed by Cognizant and Google with 2,927 and 2,425 applications, respectively. Others in the top 10 list included Intel, Facebook, Microsoft, Cisco and Deloitte - besides Indian firms Tata Consultancy Services and Infosys at number five and seven, respectively - all with more than 1,000 applications each. "Cognizant has consistently been an industry leader in sponsoring many of our employees in securing legal permanent residence in the US because they are highly-skilled, highly-educated knowledge professionals who are valuable assets to our company and clients," a company spokesperson said. Other US companies in the list did not respond to email queries from ET as of press time Tuesday. According to labour department data, US Citizenship and Immigration Services (USCIS), which processes these applications, received 113,014 applications for permanent labour certification programme during 2018-19 (October-September), 8.3% more than in FY18. Of the total, 53.2% were for Indian citizens, followed by Chinese residents at 11.2%. Majority of the applicants were H-1B and L1 work visa holders - 68.2% and 7.2%, respectively. The development indicates that companies are willing to go the extra mile to hold on to skilled talent by sponsoring their residency applications - something that is normally done by the individual, unlike the H-1B visa that is sponsored by the employer, experts said. That is because the US authorities have been increasingly denying applications for work visa extensions on various grounds. "Given the strong representation of foreign-born students in top engineering and business schools across the United States, leading technology companies increasingly rely on these types of students to fill their new hiring pipelines," said Rogelio Caceres, cofounder of global investment firm LCR Capital Partners. "Unfortunately, given tech companies' significant talent needs, the H-1B employer-sponsored visa programme is no longer viewed as a reliable source, given how unpredictable and uncertain the approval process has become."Hence, sponsoring an employee's residency applications is seen as a more reliable way to ensure the person can stay on in the US such that the business doesn't get impacted.In recent years, American tech companies have been garnering the largest share of H-1B visas issued, with Amazon, Google and Facebook among the top 10 recipients in FY19.Most expat employees in the US first enter the workplace on an H-1B visa, which is for an initial period of three years, and can be extended by another three. While most apply for permanent resident status within this period, it can take up to a decade or even longer for this to come through, especially for Indians.According to official data, 58.2% of green card applicants worked in computer or math-related jobs, with 24.3% of the work sites being in California, where most of the top tech companies are based.

Why PM Modi decided to opt out of RCEP

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By Amit ShahNovember 4, 2019 shall go down as an historic milestone for India's bold decision to stay away from the Regional Comprehensive Economic Partnership (RCEP). The decision also cements India's growing stature as a country that is rock solid in its resolve to not only protect its own interests, but also to boldly ward off any attempts to being arm-twisted. Under Prime Minister Narendra Modi's leadership, New India reflects a new self-confidence.India's not joining RCEP was summed up by the PM himself: 'Whenever I try and gauge India's interest in light of her joining RCEP, I do not get an answer in the affirmative; neither Gandhiji's policy of self-reliance nor my wisdom allows me to join RCEP.' What makes this decision significant is that this has yet again demonstrated that the PM can go to any extent to safeguard the interests of farmers, small and medium enterprises (SMEs), textile, dairy and manufacturing, medicine, steel and chemical industries. The PM didn't compromise on it since the agreement didn't seem to accommodate India's concerns on issues like trade losses and dumping. India should not be party to any such international treaty that's one-sided & against the interests of our farmers and entrepreneurs.The Congress-led UPA government failed in safeguarding the interests of India. In 2007, it had already begun thinking of engaging in a regional trade agreement (RTA) with China. How this affected India's trade with China is borne out by the fact that during UPA's tenure, India's trade losses with China grew 23 times — from $1.9 billion in 2005 to $44.8 billion in 2014. This hit indigenous industries hard.An example of Congress' history of compromising with India's interests is the 2013 Bali Agreement. While participating in the WTO conference, then commerce minister Anand Sharma had weakened India's stand on its provisions for agriculture subsidy and support prices to farmers. This could have created havoc for farmers, but for the timely intervention of the PM in 2014, who ensured that then commerce minister Nirmala Sitharaman rejected the proposal.Rebuilding the WallIt is ironic that Congress, which has had a shaky history of dealing with such international treaties, is now desperately trying to take credit for the PM's decision to stay away from RCEP. In fact, it was Congress' lack of foresight that had led to India agreeing to become part of this bloc. In its original form, other than 10 Asean countries, only China, Japan and South Korea were to join RCEP.However, thanks to Congress' lack of concern for the kind of damages it could pose to SMEs and farmers, the UPA government agreed to become part of RCEP. It was evident from the start that this could open the floodgates for Chinese goods to enter India. India also did not share favourable terms of trade with other countries of the bloc.Congress had also compromised India's interests in the Asean free trade agreement (FTA). Even as countries like Indonesia and Vietnam decided to open only 50% and 69% of their market share for India, New Delhi decided to open 74% of India's commodities for trade. Decisions like these caused India enormous loss in its trades with RCEP countries — from $7 billion in 2004 to $78 billion in 2014. In the context of current exchange rates, this translates into losses of Rs 5,46,000 crore (2014) from Rs 50,000 crore (2004).2019 is the New 2014Since 2014, in RCEP dialogues, GoI has aggressively protected India's interests and worked with member countries to agree to favourable conditions, such as opening up the services sector for the first time for India, higher exports from India, etc. Congress was so eager to be a part of RCEP that it had conceded that the import duty as applicable on January 1, 2014, would be taken as the base rate, assuming the agreement would be operational by 2016.This could have caused havoc, as the 2014 base rate would have led to unhindered imports. Also, the import duties on many products have gone up in last few years. The PM argued for 2019 as the base rate.In the RCEP conference, along with commerce minister Piyush Goel, the PM put forward the interests of farmers, SMEs and manufacturing industries, and vigorously asked for amendments vital to India's interest. The most prominent demands were amendment in tariff differential, changes in base rate for customs duty, changes in the most favoured nation (MFN) rule, asking for exemptions built into ratchet obligations as part of the pact, respecting India's federal character while determining investments, etc. India was unwavering in its resolve to bring to the fore these pertinent issues.At one point during the dialogue, out of the 70 agenda items, around 50 were of concern to India.GoI has begun to evaluate Asean and the Comprehensive Economic Partnership Agreement (CEPA) with South Korea. It is working on getting into trade relations with Japan, the US, EU countries, and other developed nations that shall help in making India a $5 trillion economy. Considering India's growing stature, RCEP members can't afford to ignore it for long, and will come around to agree to GoI's terms. Meanwhile, India has maintained successful economic relations with Asean by the means of FTA.By rejecting RCEP, India has firmly protected its industries from any adverse effects that Chinese interests could have caused. For us, India remains first, and foremost.The writer is home minister, GoI

US tech companies play green card to hold on to talent

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American tech firms are increasingly sponsoring green cards, or permanent US residency, for their employees from India and elsewhere in a bid to hold on to their skilled talent pool at a time when work visa extensions have become unpredictable. Eight out of the top 10 companies that applied for green cards for their employees in fiscal 2019 were US firms, show data released by the US labour department. Amazon, which also received the second highest number of H-1B work visas in FY19, filed 3,247 permanent residency applications followed by Cognizant and Google with 2,927 and 2,425 applications, respectively. Others in the top 10 list included Intel, Facebook, Microsoft, Cisco and Deloitte - besides Indian firms Tata Consultancy Services and Infosys at number five and seven, respectively - all with more than 1,000 applications each. "Cognizant has consistently been an industry leader in sponsoring many of our employees in securing legal permanent residence in the US because they are highly-skilled, highly-educated knowledge professionals who are valuable assets to our company and clients," a company spokesperson said. Other US companies in the list did not respond to email queries from ET as of press time Tuesday. According to labour department data, US Citizenship and Immigration Services (USCIS), which processes these applications, received 113,014 applications for permanent labour certification programme during 2018-19 (October-September), 8.3% more than in FY18. Of the total, 53.2% were for Indian citizens, followed by Chinese residents at 11.2%. Majority of the applicants were H-1B and L1 work visa holders - 68.2% and 7.2%, respectively. The development indicates that companies are willing to go the extra mile to hold on to skilled talent by sponsoring their residency applications - something that is normally done by the individual, unlike the H-1B visa that is sponsored by the employer, experts said. That is because the US authorities have been increasingly denying applications for work visa extensions on various grounds. "Given the strong representation of foreign-born students in top engineering and business schools across the United States, leading technology companies increasingly rely on these types of students to fill their new hiring pipelines," said Rogelio Caceres, cofounder of global investment firm LCR Capital Partners. "Unfortunately, given tech companies' significant talent needs, the H-1B employer-sponsored visa programme is no longer viewed as a reliable source, given how unpredictable and uncertain the approval process has become."Hence, sponsoring an employee's residency applications is seen as a more reliable way to ensure the person can stay on in the US such that the business doesn't get impacted.In recent years, American tech companies have been garnering the largest share of H-1B visas issued, with Amazon, Google and Facebook among the top 10 recipients in FY19.Most expat employees in the US first enter the workplace on an H-1B visa, which is for an initial period of three years, and can be extended by another three. While most apply for permanent resident status within this period, it can take up to a decade or even longer for this to come through, especially for Indians.According to official data, 58.2% of green card applicants worked in computer or math-related jobs, with 24.3% of the work sites being in California, where most of the top tech companies are based.

ONGC seeks buyers for KG Basin gas

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NEW DELHI: Oil and Natural Gas Corp is seeking buyers for the first gas from its KG basin fields, which would begin production next month after years of delay. ONGC is auctioning 0.75 million metric standard cubic meters a day (MMSCDM) of gas for three years from its KG-DWN-98/2 fields, bids for which are to be submitted by November 19. ONGC is spending more than $5 billion to bring these fields to production.It has set a reserve price of $5.61 per million metric British thermal unit (mmBtu) and the minimum bid quantity at 0.05 MMSCMD. Bidders will have to quote the number of days they would need to offtake gas after being awarded—with preference for the bidder with fewer days in case of a price tie. Bidders will make a single bid electronically.Other bidders will be asked to match the highest quoted price. Reliance Industries and partner BP too are set to e-auction 5 MMSCMD of gas from its KG basin fields on November 15. They plan to supply gas from April. These new domestic gas supplies will likely replace some of the liquefied natural gas (LNG) imports that have expanded 7.9% in the first half of 2019-20 and make up half of country's gas consumption.But a recent collapse in the global LNG market has made it tougher for ONGC and RIL-BP to extract high prices. RIL-BP's reserve price for KG gas is linked to three months dated Brent with a slope of 8.4%. At the current crude oil rate of $62 a barrel, it comes to $5.21 per mmBtu. ONGC's reserve price is linked to the average three months rate of LNG delivered to west India plus a constant of $1and a marketing margin of $0.20 per mmBtu, which comes to $5.61for October.The global LNG market is in a slump due to a combination of excessive supply, slowing major economies, and warmer-than-usual winter in key importers like Japan and China. Spot LNG rates are currently at their lowest for this time of the year in a decade. The glut is expected to keep prices low next summer. Bidders for ONGC gas will have to quote for all three years while RIL gas buyers have the option to seek volumes for two to six years. ONGC and RIL have freedom to sell their gas at market rates, which must not breach the government-set ceiling, currently at $8.43 per mmBtu.

Some e-retailers indulged in predatory pricing: Piyush Goyal

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NEW DELHI: Union Commerce and Industry Minister Piyush Goyal on Tuesday said some e-commerce companies are indulging in predatory pricing which is adversely impacting millions of small retailers."I would like to highlight the adverse impact of predatory pricing indulged by some e-commerce players which adversely impact millions of small retailers. It is important for e-commerce to follow the letter and spirit of the law," he said at the BRICS trade ministers meeting in Brasilia.The minister said the need of the hour is to develop digital infrastructure, digital skills and institutions particularly in the developing and less developed world.The global economic outlook is facing grave challenges amidst growing protectionism and rising trade tensions manifested in unilateral measures, Goyal noted."In this uncertain world, India continues to offer economic opportunities," he said mentioning several steps taken by the union government to attract investments.The minister said that increasing trends of protectionism in the form of non-tariff barriers (NTBs), both stated and unstated, deny market access, particularly for developing countries."The developed world advocates open and free trade with emphasis on removal of tariffs in developing countries, while in reality, they are raising more barriers in the form of NTBs," he said.These developments are contributing to enhancing economic uncertainties and raising the cost of doing trade in developing and least developed countries, Goyal said.Further, he also called upon the countries to ensure that WTO reform process does not dilute its basic principles like special and differential treatment to developing countries.Talking about MSMEs, he said this sector is highly vulnerable to the vagaries of economic uncertainties in the form of high fuel costs, trade tensions, high tariffs and non-trade barriers.All these disrupt the integration of MSMEs into global value chains and impede their market access opportunities, he said."It is important to preserve the rules-based trading system and adequate low-cost finance to provide sustainability for MSMEs," the minister said.It is important for the member countries to look at ways and means to increase cooperation amongst BRICS nations across all modes of services with a view to balanced and equitable outcomes, Goyal stressed.

Some of the world’s richest brace for a major stock selloff

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By Joanna OssingerWealthy people around the globe are hunkering down for a potentially turbulent 2020, according to UBS Global Wealth Management.A majority of rich investors expect a significant drop in markets before the end of next year, and 25% of their average assets are currently in cash, according to a survey of more than 3,400 global respondents. The U.S.-China trade conflict is their top geopolitical concern, while the upcoming American presidential election is seen as another significant threat to portfolios."The rapidly changing geopolitical environment is the biggest concern for investors around the world," said Paula Polito, client strategy officer at UBS GWM, in a statement. "They see global interconnectivity and reverberations of change impacting their portfolios more than traditional business fundamentals, a marked change from the past." 72025565 Nearly four-fifths of respondents say volatility is likely to increase, and 55% think there will be a significant market sell-off before the end of 2020, according to the report which was conducted between August and October and polled those with at least $1 million in investable assets. Sixty percent are considering increasing their cash levels further, while 62% plan to increase diversification across asset classes.In the same survey in May, an even higher amount -- 32% -- of investor portfolios was in cash.It's a sentiment shared by Stephen Lansdown, the billionaire co-founder of financial-services firm Hargreaves Lansdown Plc. Speaking at an event to roll out research from Guernsey Finance on wealthy families last month, he said he's "got a lot of cash at the moment" because markets have disappointed him.Still, it seems that wealthy investor caution is strictly for the short-term. Almost 70% of respondents globally are optimistic about investment returns over the next 10 years."The challenge is that they seem to want to respond" to short-term uncertainty "by really shortening their time horizons and shifting to assets like cash that are safe," said Michael Crook, a managing director on the investment strategy team. Though with many of these people investing on a time horizon across decades and for future generations, that "seems like a mismatch."

BNP Paribas betting on pvt banks, insurance, energy & utilities

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Whether the government is able to stick to the fiscal deficit targets is possibly the biggest concern for the market currently, said Manishi Raychaudhuri, MD, Asia-Pacific, at BNP Paribas. Despite this concern, India remains one of the preferred markets as it offers relatively high earnings growth and low earnings variability, said Raychaudhuri in an interview with Sanam Mirchandani. Edited excerpts:Moody's has downgraded India's outlook to negative. Is it be a big cause of concern?It is not surprising because we have seen downgrades to economic growth from various different agencies. We are in a growth slowdown environment which has become entrenched and a recovery is unlikely to be a V-shaped one. It will possibly be a long drawn-out and slow recovery because many of the factors that have contributed to this slowdown are difficult to mitigate in a short span of time. The most recent economic measures that we have seen from the government are supply side measures which are targeted at addressing the investment side. For the consumption-oriented measures to come through we still have to wait and watch for further economic measures. Much of this consumption slowdown has happened because of income uncertainty. We could possibly see a bit of a recovery in the January-March quarter, purely on a low base. It will take a while longer for a lasting recovery to come through.Will the downgrade affect foreign flows into India?Flows over the past one month have improved both in debt and equity. The reasons that have been cited by the global credit rating agencies have not really been unknown to the investor base. If they have been investing in the Indian bond market in debt and equity, it's not got anything to do with the previous credit rating that India had. This influx of inflows into emerging markets as a whole is not specific to India. We have seen this in the entire emerging market complex. Global central banks have turned more benign in their monetary policy outlook over the past one month as the growth slowdown has become entrenched, notwithstanding how the Fed (US Federal Reserve) sounded a few days ago. They have sort of raised the possibility that the Fed may stop for a while. I don't think the market really believes that right now. We are also seeing some of the global traderelated worries subsiding, at least temporarily. We are seeing the possibility of a no-deal Brexit being avoided. Despite some of the major geopolitical issues in the Middle East, some of the key variables like oil prices haven't really fluctuated. The market is leaping, at least temporarily, over the big wall of worry, that had been created over the past two or three quarters. This kind of a situation would possibly last over the next two to three months.What is your preference list within emerging markets?We have an overweight on India compared to the benchmark rate of about 10-10.5%. We are 14-15% overweight in India. We are also overweight on China, Indonesia and Thailand. If we look at the so-called sustainability of earnings growth, then the Indian market and many Indian stocks actually fall in that bracket. India provides a combination of relatively high earnings growth in the 8-10% range and quite low earnings variability. It is this sustainability or relative certainty of earnings growth, which really attracts the investor base to the Indian market. We may have stepped away from that trend over the past few quarters but for the investors base who are looking at India, it's really the long term that matters.Do you think the government will be able to stick to the fiscal deficit targets?That is possibly the biggest concern now. The corporate tax rate cut basically was about ?1.45 trillion. Even if part of that is neutralised by an increase in the divestment programme, it could lead to some degree of expansion of the budgeted borrowing program or the budgeted fiscal deficit, which is what the bond market is also telling us. This is something we have to wait and watch out for. If we get a sense that the government is able to neutralise that through asset sales, that is possibly the most positive outcome of this whole pack of policy measures that they have adopted.Equities are hitting record highs, while global bond yields are pointing to a sharp downturn. How will investors deal with this?If one looks at developed market bond yields and the Indian or Asian bond yields, there is a gulf of a difference and that is encouraging this flow of money into this region. The hunt for yield is actually forcing investors to look at emerging markets. If the risk of earnings disappointments or the risk of defaults is possibly contained then this significant surge in flows that we have seen towards emerging market bonds and equity will possibly last for a while.What is your outlook for the rupee?The rupee in the foreseeable time horizon, the next two quarters or so, would possibly remain in the current range, between 70 to 71.5. Our official forecast by the end of 2020 is 70.5, which is pretty much where the rupee is now.Are earnings downgrades for Indian corporates over?Estimates for FY20 are pretty much in line now. The earnings growth consensus earnings growth estimate is only about 5-6% which seems okay. I don't think there's much of a scope for that to be downgraded, partly because there are pockets of the Indian corporate base which are doing reasonably well, like the retail lending private sector banks. Even consumer staples have not done badly. Next year still presents a bit of a concern. The consensus earnings growth for FY21is about 23%. There is still some more scope for that to get downgraded, particularly in certain sectors. There are high growth expectations in banks, the asset quality risk may not have been fully factored in there. I still see significantly high growth estimates being factored in consumer discretionary. But the bulk of the downgrades are possibly behind us.Which are your top sector picks?Our stock picks are concentrated in three or four sectors. We like the private sector banks, particularly the retail-focused ones. We also like insurance. Some of the stocks in the energy or utility space offer not only stability but they are also a play on high dividend yields. We have seen reasonably good growth from the frontline companies in consumer staples. The only problem is they are over-owned. Frontline companies are trading at 35-40 times PE so one has to be a bit selective there. There are pockets in IT that we like. So that's, that has been one of the best currency hedges as far as India is concerned.

Chinese cousins help reduce 71% of Moto sales

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Iconic handset maker Motorola, which is now owned by Lenovo, is losing a lot of ground in the Indian market. For the fiscal year ended March 2019, sales at Motorola Mobility India — which houses both Motorola and Lenovo smartphone brands — fell 71% year-on-year (YoY) to Rs 1,972.8 crore, as per latest regulatory disclosures.This, analysts said, is due in part to the intense competition from Chinese rivals Xiaomi and the three brands of BBK Electronics — Oppo, Vivo and Realme."Motorola lost in the sales channel strategy," said Counterpoint Technology Market Research associate director Tarun Pathak. "Realme gave a strong competition in the online segment, especially in sub $200 (Rs 14,000) segment where Motorola had its strength. Apart from this, their organisation restructuring also had an impact," he said.As per the filings to Registrar of Companies, accessed through business intelligence platform Veratech Intelligence, Motorola Mobility India's net profit in FY19 fell to Rs 19.8 crore compared with Rs 46.5 crore in FY18.This is a sharp contrast to its performance in FY18, when the company had grown sales by 400% over the previous year when Lenovo had consolidated its entire smartphone business under this entity."The growth in FY18 was fuelled by borrowings, while decline in sales has led company to deleverage by disposing of assets last fiscal. Motorola is a recognised brand. It needs a strong strategy that can make use of its brand value to help it ride the tide," said Veratech's founder Mohit Yadav.The company did not give any reason for the fall in sales. In its filings, it said the directors had made all efforts to enhance the business performance.An email query sent to Motorola India remained unanswered till as of press time.Motorola-Lenovo was once among the top four smartphone brands in India. But its grip on the Indian market started loosening about two years ago.As per Counterpoint, its market share dipped from 1.6% in calendar 2018 to an all-time low of 0.9% in July-September quarter of 2019. In contrast, it was at the sixth spot in 2017.Motorola India MD Prashanth Mani had earlier told ET the company was focussed more on profit than on growing volume sales. He had said Motorola was also eyeing India as a global production and export hub.

Tamil Nadu TNPSC group IV merit list released, check direct link

Tamil Nadu TNPSC group IV merit list released, check direct link


Source: TIE

SC to decide whether CJI is under RTI



Source: FPJ

Congress on board, 3-way power sharing



Source: FPJ

Government formation is not in deep freeze



Source: FPJ

Maha govt formation: 48 hours to BJP,24 hours to Shiv Sena; NCP stranded



Source: FPJ

FIR against makers of national award film ‘Hellaro’

FIR against makers of national award film ‘Hellaro’
Makers of the Gujarati film booked for the alleged use of a “derogatory term” in a dialogue to refer to a Scheduled Caste character

Source: TH

President’s rule imposed in Maharashtra; Shiv Sena goes to Supreme Court

President’s rule imposed in Maharashtra; Shiv Sena goes to Supreme Court
NCP, Congress hit out at Raj Bhavan move, Sena goes to Supreme Court.

Source: TFE

Talking tough: Vodafone says future in India could be in doubt without govt relief

Talking tough: Vodafone says future in India could be in doubt without govt relief
Says either it takes its boots off the industry’s neck and allows it to compete, or firm is destined for a potentially chaotic final act.

Source: TFE

The game has just begun; President’s rule in Maharashtra, which will enable the BJP dispensation at Centre



Source: FPJ

History and Beyond

History and Beyond


Source: TIE

Soundtrack of a City

Soundtrack of a City


Source: TIE

Daily Horoscope for Wednesday, November 13, 2019 for all Zodiac signs by astrologer Nilikash P Pradhan



Source: FPJ

On the Loose: Justice Misunderstood

On the Loose: Justice Misunderstood


Source: TIE

Recording Self and the Nation

Recording Self and the Nation


Source: TIE

Activists call for action to curb avian deaths in Rajasthan

Activists call for action to curb avian deaths in Rajasthan
Thousands of migratory birds affected in the last week.

Source: TH

T.N. leads in pollution control in country, says Minister

T.N. leads in pollution control in country, says Minister
‘Reports that air pollution is higher in Chennai are false’

Source: TH

Need clarity on IRDAI’s inclusion of bariatric surgery: OSSI

Need clarity on IRDAI’s inclusion of bariatric surgery: OSSI
‘The gastroenterology surgeons do not want the insurers to add a lot of riders/ extra clauses to save themselves from covering it’

Source: TH

State govt. must reconsider borewell regulations: KMDK

State govt. must reconsider borewell regulations: KMDK
Registration fees “exorbitant” and “impractical,” party general secretary says

Source: TH

Smriti Irani calls on Tamil Nadu CM

Smriti Irani calls on Tamil Nadu CM
Palaniswami hands over memorandum

Source: TH

Dalit couple find temple gate locked before wedding

Dalit couple find temple gate locked before wedding
Function goes ahead after HR&CE and police officials intervene

Source: TH

Two held in Tiruppur for attacking gym trainer

Two held in Tiruppur for attacking gym trainer
The six men entered the gym and allegedly attacked Wesley Daniel in connection with money transaction issues

Source: TH

Manual scavenging fatalities highest in Tamil Nadu, says survey

Manual scavenging fatalities highest in Tamil Nadu, says survey
206 deaths between 1993 and July 2019

Source: TH

telugu news headlines telugu news hunt

telugu news headlines telugu news hunt


అవును ముందు సరదా పడ్డారు… ఆ తర్వాత పెళ్లిళ్లు చేసుకోవాల్సి వచ్చింది…

Posted: 12 Nov 2019 07:25 AM PST

తానేమీ సరదా పడి మూడు పెళ్లిళ్లు చేసుకోలేదని.. కావాలంటే తనను విమర్శిస్తున్న వారు కూడా మూడు పెళ్లిళ్లు చేసుకోవాలి అంటూ జనసేన అధ్యక్షుడు పవన్ కల్యాణ్ ఇచ్చిన సలహాపై క్రిటిక్ కత్తి మహేష్ స్పందించారు. పవన్‌ కల్యాణ్ చెప్పింది నిజమే అంటూ కామెంట్ చేశారు. తనలాగే అందరూ మూడు పెళ్లిళ్లు చేసుకోవాల్సిందిగా సలహా ఇచ్చిన పవన్‌కు అభినందనలు అంటూ సెటైర్ వేశారు. ”అవును నిజమే…మీరు సరదాపడి మూడుపెళ్లిళ్ళు చేసుకోలేదు. ముందు సరదాపడ్డారు. ఆ తర్వాత పెళ్లి చేసుకోవాల్సి […]

విజయవాడ రోడ్లపై గొడవలకు నేను సిద్ధం – పవన్‌ కల్యాణ్ సంచలన ప్రకటన

Posted: 12 Nov 2019 07:03 AM PST

జనసేన అధ్యక్షుడు పవన్ కల్యాణ్ సంచలన వ్యాఖ్యలు చేశారు. విజయవాడ రోడ్ల మీద గొడవలు పెట్టుకుందామంటే అందుకు తాను సంతోషంగా రెడీ అని ప్రభుత్వానికి సవాల్ చేశారు. విజయవాడలో మీడియాతో మాట్లాడిన ఆయన… విజయవాడ నడిఒడ్డున కూర్చునే తాను ప్రభుత్వాన్ని హెచ్చరిస్తున్నానని చెప్పారు. విజయవాడ రోడ్లపై గొడవలకు సిద్దమని మీడియా సమావేశం ఆఖరిలో ప్రకటించి పవన్ కల్యాణ్ వెళ్లిపోయారు. తాను ఎవరికీ భయపడే వ్యక్తిని కాదన్నారు. తాను చాలా సంస్కారవంతమైన వ్యక్తినన్నారు. ఆ విషయం ముఖ్యమంత్రి గుర్తు […]

“అల” పారిస్ షెడ్యూల్ పూర్తయింది

Posted: 12 Nov 2019 05:30 AM PST

అల్లు అర్జున్, పూజా హెగ్డే హీరోహీరోయిన్లుగా నటిస్తున్న అల వైకుంఠపురములో సినిమా నుంచి సామజవరగమన అనే సాంగ్ సూపర్ హిట్ అయిన సంగతి తెలిసిందే. టోటల్ సౌత్ లోనే నంబర్ వన్ హిట్ గా నిలిచింది ఈ పాట. ఇలాంటి హిట్ సాంగ్ ను పారిస్ లో చిత్రీకరించారు యూనిట్. నిన్నటితో ఈ సినిమా షెడ్యూల్ పూర్తయింది. రేపు యూనిట్ అంతా హైదరాబాద్ రిటర్న్ అవుతుంది. పాట చాలా బాగా వచ్చిందంటున్నాడు శేఖర్ మాస్టర్. ఇక సినిమాకు […]

అందుకే కన్నా… అప్పుడప్పుడు ఇంగ్లీష్ పేపర్లు కూడా చదవాలనేది….

Posted: 12 Nov 2019 03:39 AM PST

బీజేపీ పుట్టినప్పటి నుంచి ఆపార్టీలోనే ఉంటున్న ఏపీ బీజేపీ నేతలంతా కామ్‌గానే ఉంటున్నారు గానీ… కాంగ్రెస్‌లో అనేక పదవులు అనుభవించి… ఒకదశలో పీసీసీ చీఫ్‌ పదవి కోసం కూడా పోటీ పడి… కాంగ్రెస్ ఏపీలో దెబ్బతినిపోగానే బీజేపీలో చేరి… ఆ పార్టీ నుంచి వైసీపీలో చేరేందుకు ప్రయత్నించి… చివరకు ఏపీ బీజేపీ అధ్యక్ష పదవి ఖాయం అవడంతో ఆఖరి నిమిషంలో అనారోగ్యం అంటూ వైసీపీలో చేరకుండా ఆస్పత్రిలో చేరి… బీజేపీలోనే ఉండిపోయి… ఆ తర్వాత ఏపీ బీజేపీ […]

స్వింగ్ బౌలింగ్ నయాకింగ్ దీపక్ చహార్

Posted: 12 Nov 2019 03:35 AM PST

అసాధారణ ప్రతిభ దీపక్ సొంతం కష్టానికి తగ్గ ఫలం అందుకొన్న చహార్ బంగ్లాదేశ్ తో ముగిసిన తీన్మార్ టీ-20 సిరీస్ లో భారత నయాస్వింగ్ బౌలర్ దీపక్ చహార్ గురించే ఇప్పుడు క్రికెట్ వర్గాలు మాట్లాడుకొంటున్నాయి. కేవలం 7 పరుగులు మాత్రమే ఇచ్చి 6 వికెట్లతో సహా హ్యాట్రిక్ సాధించడమే కాదు…సరికొత్త ప్రపంచ రికార్డు సైతం సాధించిన దీపక్ ఇప్పుడు కష్టానికి తగ్గ ఫలితం అనుభవిస్తున్నాడు. మ్యాన్ ఆఫ్ ది మ్యాచ్ తో పాటు మ్యాన్ ఆఫ్ ది […]

ఈసారి కాన్సెప్ట్ సినిమా చేస్తున్నాడు

Posted: 12 Nov 2019 03:30 AM PST

మహర్షి మూవీ తర్వాత కాస్త గ్యాప్ తీసుకున్న అల్లరి నరేష్ తన కొత్త సినిమాను ప్రకటించాడు. విజయ్ కనకమేడల అనే కుర్రాడ్ని దర్శకుడిగా పరిచయం చేస్తూ ఓ సినిమా చేయబోతున్నాడు. అయితే అంతా అనుకుంటున్నట్టు ఇది కామెడీ సినిమా కాదు. పక్కా కాన్సెప్ట్ బేస్డ్ మూవీ. ప్రస్తుతం తెలుగులో కాన్సెప్ట్ బేస్డ్ సినిమాలు బాగా ఆడుతున్నాయి. ప్రేక్షకుల అభిరుచి చాలా మారిపోయింది. రీసెంట్ గా విడుదలైన ఖైదీ పెద్ద హిట్ అవ్వడమే దీనికి ప్రత్యక్ష ఉదాహరణ. అందుకే […]

ఏసీబీని దించుతున్నా- వైఎస్ జగన్

Posted: 12 Nov 2019 03:27 AM PST

ఏపీ ముఖ్యమంత్రి జగన్‌మోహన్ రెడ్డి మరో సంచలన ప్రకటన చేశారు. కలెక్టర్లు, ఎస్పీలతో నిర్వహించిన వీడియో కాన్ఫరెన్స్‌లో ఆయన చేసిన వ్యాఖ్యలు ఇప్పుడు చర్చనీయాంశమయ్యాయి. అవినీతి అధికారుల పనిపట్టబోతున్నామని సీఎం ప్రకటించారు. అధికారులు, నాయకులు ఉన్నది ప్రజలపై అధికారం చెలాయించడానికి కాదని… కేవలం సేవ చేయడానికి మాత్రమేనని ముఖ్యమంత్రి గుర్తు చేశారు. ఇది తనతో సహా అందరికీ వర్తిస్తుందన్నారు. మనం కేవలం ప్రజాసేవకులం మాత్రమేనన్న అంశాన్ని తన వద్ద పనిచేసే సిబ్బంది నుంచి కింది స్థాయి అధికారుల […]

కొడంగల్ లో ఓడుతానని… మల్కాజిగిరిలో గెలుస్తానని… అనుకోలేదు

Posted: 12 Nov 2019 03:04 AM PST

రేవంత్ రెడ్డి.. ఫైర్ బ్రాండ్ గా రాజకీయాల్లో వెలిగిన ఈయన కేసీఆర్ పై మాటల తూటాలు పేల్చి ఫేమస్ అయ్యాడు. టీడీపీలో అత్యున్నత పదవులు అనుభవించిన రేవంత్.. తెలంగాణలో ఆ పార్టీ పని అయిపోవడంతో కాంగ్రెస్ లో చేరారు. అయితే రేవంత్ ను ఆయన సొంత ఇలాఖా కొడంగల్ లో ఓడించి కేసీఆర్ మొన్నటి ఎన్నికల్లో ప్రతీకారం తీర్చుకున్నారు. కానీ రేవంత్ రెడ్డి ఇంట ఓడి రచ్చ గెలిచాడు. అదే విచిత్రం. మల్కాజిగిరి ఎంపీగా పోటీచేసి అనూహ్యంగా […]

How to of the Day

How to of the Day


How to Teach Your Child to Read

Posted: 12 Nov 2019 04:00 PM PST

Teaching a child to read is a fulfilling and educational process, both for the parent and child. Whether you home school your kids or just want to give your child a head-start, you can begin teaching your child to read at home. With the right tools and tactics, your child will be reading in no time.

[Edit]Steps

[Edit]Starting Early

  1. Read to your child on a regular basis. As with all things, it's difficult to learn anything without exposure to it. In order to get your child interested in reading, you should be reading to them on a regular basis. If you're able, this should start when they are an infant and continue through their school years. Read books with stories they comprehend; at a young age this may lead you to read 3-4 small books a day.
    Teach Your Child to Read Step 1 Version 3.jpg
    • Books that combine other senses besides listening help your small child to comprehend the story as you read it. For example, read many books that have pictures, tactile pages, sounds, or have accompanying scents.
    • Try reading them books that might slightly challenge their comprehension level but that have an interesting or engaging story.[1]
  2. Ask interactive questions. Even before your child learns to read, they can learn reading comprehension. As you read stories to them aloud, ask them questions about the characters or the plot. For a toddler, these may be questions like "Do you see the dog? What is the dog's name?". The questions can escalate in difficulty as the reading level does.
    Teach Your Child to Read Step 2 Version 3.jpg
    • Help to teach your child critical thinking skills by asking open-ended questions about stories. You might not hear complex verbal responses until your child is four or five years old, but ask away and be patient.
  3. Make books easily accessible. It's no good if you have books around, but located in places that your child can't easily take them. Keep books low to the ground and in typical play-areas so that your child begins to associate them with play activities.
    Teach Your Child to Read Step 3 Version 3.jpg
    • Because your child may be touching and reading the books often, be sure to choose ones that have wipeable pages and that aren't incredibly sentimental. Pop-up books may not be the best option for young children.
    • A fancy bookshelf may seem like the most attractive option, but until your child is in school focus on the utilitarian purposes of book storage.
    • Set up a reading space next to the bookshelf. Set some beanbags, pillows, and comfy chairs around to sit in while reading. The top of the bookshelf can hold cups and snacks for having while reading.
  4. Set a good example. Show your child that reading is interesting and worthwhile by reading for yourself. Spend a minimum of ten minutes a day reading when your child is around, so that they see you enjoying the activity on your own. Even if you're not an avid reader, find something to read - a magazine, the newspaper, or a cookbook all count. Soon they'll become interested in reading on their own, simply as a result of seeing you doing it too.
    Teach Your Child to Read Step 4 Version 3.jpg
    • Include your child in your reading time. If you're reading something child-friendly, tell them about what you're reading. Accompany this by pointing to words on the page to help them connect the lines on the page with the sounds that form words.
  5. Get access to a library. This can be done in two ways: create your own mini-library at home by collecting dozens of books in your child's reading level, or make weekly trips to the local public library together to check out books. Having a variety of books on hand (especially with an older child) will add interest for reading, and help to incorporate more vocabulary into their knowledge base.
    Teach Your Child to Read Step 5 Version 3.jpg
    • That being said, don't turn down a request to re-read a favorite book just because it's already been read a dozen times. [2]
  6. Start to make word-sound associations. Before you even start getting into the alphabet and sound specifics, help your child recognize that the lines on the page are directly correlated to the words you are speaking. As you read aloud to them, point to each word on the page at the same time you say it. This will help your child grasp the pattern of words/lines on the page relating to the words you speak in terms of length and sound.
    Teach Your Child to Read Step 6 Version 3.jpg
  7. Avoid using flashcards. Some companies have advertised specialized flashcards to help babies, toddlers, and preschool age children to read. In general, flashcards are not the most useful or effective technique for teaching reading skills. Time spent reading stories with your child will be much more beneficial than flashcards. "Reading aloud to young children, particularly in an engaging manner, promotes emergent literacy and language development and supports the relationship between child and parent. In addition it can promote a love for reading which is even more important than improving specific literacy skills."[3]
    Teach Your Child to Read Step 7 Version 3.jpg

[Edit]Teaching the Basics

  1. Teach your child the alphabet. When your child has developed word awareness, begin breaking down words into individual letters. Although the alphabet song is the most classic means of teaching the alphabet, try getting creative. Explain each of the letters with their name, but don't worry about trying to incorporate the sounds the letters make yet.
    Teach Your Child to Read Step 8 Version 3.jpg
    • Teach lowercase letters first. Capital letters account for only five percent of all letters in writing English. Therefore, pay more attention to teaching the lowercase letters. lowercase letters are far more important in developing reading skills.
    • Try making each of the letters out of play-DOH, playing a toss game (where the child tosses a beanbag/ball onto a specific letter on the floor), or fishing for foam letters in the bathtub. These are all interactive games that encourage development on multiple levels.[4]
  2. Develop phonemic awareness. One of the most important steps in teaching reading is associating a spoken sound with a letter or letter-pair. This process is known as phonemic awareness. There are 44 speech sounds created by the 26 letters in our alphabet, and each sound must be taught paired with its letter(s) counterpart. This includes the long and short sound produced by each individual letter, as well as the specialized sounds some combined letters make (like 'ch' and 'sh').
    Teach Your Child to Read Step 9 Version 3.jpg
    • Focus on a single letter/part/sound at a time. Avoid confusion and build a solid foundation by working at a steady pace through all of the speech sounds.
    • Give real life examples of each speech sound; for example, state that the letter 'A' makes the 'ah' sound, like at the beginning of the word 'apple.' This can be turned into a guessing game, when you speak an easy word (like apple) and have the child guess the letter that it starts with.
    • Use games similar to those used when teaching the alphabet, that combine critical thinking on the part of the child in order to determine sound/letter correlations. See the aforementioned list for ideas, but substitute in sounds.
    • It is easier for children to develop phonemic awareness when words are broken down into their smallest parts. This can be done with the clapping game (clapping out each syllable in a word) or by sounding-out words into their individual letters.[5]
  3. Teach your child rhymes. Rhyming teaches phonemic awareness and letter recognition, in addition to the most basic English words. Read nursery rhymes to your child, and then eventually make lists of easy-to-read rhymes such as mop, top, flop, pop, and cop. Your child will begin to see the patterns of sounds that are made when certain letters are combined - in this case, the sound 'o-p' makes.
    Teach Your Child to Read Step 10 Version 2.jpg
  4. Teach your child to read using explicit phonics. Traditionally, children are taught to recognize a word based on its size, the first and last letters, and the general sound. This method of teaching is known as implicit phonics - working from the largest piece down. However, studies have shown that readable vocabulary dramatically increases (from 900 words to 30,000 words by the third grade) when taught in the opposite fashion: breaking each word into the smallest parts, and building them up into a full word - explicit phonics. Help your child to begin reading by having them sound-out each individual letter without looking at the overall word first.
    Teach Your Child to Read Step 11 Version 2.jpg
    • Don't move onto explicit phonics until your child has developed adequate phonemic awareness. If they cannot associate sounds with letters or letter pairs quickly, they need a bit more practice before moving onto complete words.
  5. Have your child practice decoding. Classically known as 'sounding out' words, decoding is when a child reads a word by making the sounds of each individual letter, rather than trying to read the whole word at once. Reading is broken up into two primary parts: decoding/reading a word, and comprehending its meaning. Don't expect your child to recognize and comprehend words just yet; have them focus on decoding and sounding out word parts..
    Teach Your Child to Read Step 12 Version 2.jpg
    • Don't use whole stories or books yet; have your child read from word lists or from a basic story (not focusing on the plot). This is another great time to use rhymes for practice.
    • Decoding aloud is typically easier for the child (and you) to learn how to say the word. Have them break it into parts with clapping if necessary.
    • Do not be rigid in how the child pronounces the sounds. Regional accents and weak auditory skills make it hard for children to say most sounds in an academically correct way. Accept a reasonable effort. Recognize that learning sounds is only an intermediate step to learning to read, it is not the goal.[6]
  6. Do not worry about grammar.. Preschoolers, kindergartners, and first graders are very concrete in the way they think and cannot handle complicated concepts. By age four, most English speaking children already have an excellent grasp of grammar and in due time, they will learn all the formal grammatical rules. At this point, you need to concentrate only on the mechanical skill of reading, that is learning to decode new words and incorporating them in memory to build fluency.
    Teach Your Child to Read Step 13 Version 2.jpg
  7. Build up an archive of sight words. Certain words in the English vocabulary are spoken often, but don't follow the typical phonics rules. These words are easier to memorize by shape association than by sound, and are therefore known as 'sight words.' Some sight words include 'they,' 'she', 'an,' 'said,' and 'the.' The complete list of sight words, called the Dolch list, can be found online and broken down into sections to work through.
    Teach Your Child to Read Step 14 Version 2.jpg
    • Show your child sight words on a piece of paper. Le them copy it and after telling them what the word is, ask them to tell YOU what the words is.

[Edit]Increasing Difficulty

  1. Begin giving your child complete stories. Odds are, your child will be in school by the time they are able to read and will be given their own reading material by their teachers. Help them to read these whole stories by encouraging explicit phonics use, and recognizing vocabulary. As their word recognition increases, they'll be able to more fully understand story plots and meanings.
    Teach Your Child to Read Step 15 Version 2.jpg
    • Allow your child to look at the pictures - it doesn't count as cheating if they do. Image and word association is a helpful aspect of building vocabulary.
  2. Have your child describe the story to you. After every reading session, have your child describe what the story was about to you. Try to get them to be detailed, but don't expect an elaborate response. An easy and fun way to help encourage this is to use puppets who represent characters in the story, so your child can describe it to you through them.
    Teach Your Child to Read Step 16 Version 2.jpg
  3. Ask questions about the stories. Similar to when you were reading stories to your child, every time your child reads ask them questions about what they've just read. At first it will be difficult for them to think critically about meanings of words and the buildup of character development and plot (or the semblance of those things in the most basic of stories), but over time they will develop the necessary skills to answer questions.
    Teach Your Child to Read Step 17 Version 2.jpg
    • Make a questions list that your child can read; their ability to read and understand the provided questions is nearly as helpful as answering the questions themselves.
    • Start with direct questions, such as 'who was the main character in the book?,' instead of more abstract questions like 'why was the main character upset?'
  4. Incorporate writing in with the reading. Reading is a necessary precursor to writing, but as your child develops reading skills have them practice their writing in conjunction. Children learn to read faster and easier if they learn to write at the same time. The motor memory of the letters, listening to their sounds and seeing them in writing will reinforce new learning. So, teach your child to write letters and words.
    Teach Your Child to Read Step 18 Version 2.jpg
    • You'll notice an enhanced reading ability as your child learns to spell by decoding and sounding out words. Work slowly though, and don't expect perfection.
  5. Continue reading to your child. Just as you taught your child the joy of reading before they knew how, you should continue to promote reading by reading to/with them on a daily basis. They'll develop a stronger phonemic awareness when they can see words as you read them, rather than struggling to do both at the same time themselves.
    Teach Your Child to Read Step 19 Version 2.jpg
  6. Have your child read aloud to you. You'll be given a better idea of your child's reading ability when they read out loud, and they'll be forced to slow down their reading to correctly sound out words. Avoid stopping your child to correct them while reading though, as doing so can interrupt their train of thought and make comprehending what they're reading more difficult.
    Teach Your Child to Read Step 20 Version 2.jpg
    • Reading out loud doesn't have to be limited to stories; whenever you are around words, have your child sound them out to you. Road signs are a great example of something your child sees on a daily basis, and can practice reading out loud to you.[7]

[Edit]Tips

  • If your child has no patience to learn to read and would rather watch TV, try turning on the closed-captions and encouraging them to follow along.
  • Babies and Toddlers cannot learn how to sound out words. They can recognize symbols and correlate them to familiar objects or vocabulary, but words are complex symbols, and flashcards are not likely to lead to true mastery (e.g. distinguishing cork from clock, or agree from argue)
  • Most children are not developmentally ready to begin sounding out words until about 5-7 years of age.
  • Many children begin to develop phonemic awareness at age four. You could begin teaching the sounds of letters at about four years. Simple reading instructions can be started about the same time.
  • Don't rush into it! Give your child time. Read to them at least every day.

[Edit]Related wikiHows

[Edit]References

[Edit]Quick Summary

How to Apply for a Grant

Posted: 12 Nov 2019 08:00 AM PST

A grant is money that does not need to be repaid given by one party to another. Grants are typically given by a government agency or philanthropic organization to fund specific projects by a nonprofit entity, educational institution, a business or an individual. By locating, applying for and winning relevant grants, you or your organization may get the funding to support your project. Although each grant requires different processes, the sample documents below provide a good overview for the documents that may be required for applying to grants.

[Edit]Steps

[Edit]Sample Grant Documents

[Edit]Applying for US Federal Government Grants

  1. Identify potential grants. You can identify potential grant funding opportunities by searching the federal government's grant website located at: http://www.grants.gov/web/grants/search-grants.html.
    Apply for a Grant Step 1 Version 2.jpg
    • The website allows you to search by keyword, funding opportunity number or CFDA (Catalog for Federal Domestic Assistance) Number, which is the five-digit number assigned to the grant by the federal government.
    • If you are searching for new grant opportunities, perform a keyword search that best reflects your business products, research areas or business needs.
    • Quickly review the search results by clicking on the Funding Opportunity Number, which is a hyperlink that will redirect you to additional information about the grant. There will be four hyperlink tabs (Synopsis, Version History, Related Documents and Package), read through the description of the grant to determine whether it meets your needs.
    • Once you have preliminarily identified a list of potential grants, closely read the grant's eligibility section and the full announcement to determine whether you meet the requirements, scope of work or research parameters of the grant. You can review the full announcement and other supporting documents by selection the Related Documents Tab and then clicking on the relevant documents.
  2. Download a Grant Application Package. Once you have determined that you meet the eligibility and scope of work requirements, download the grant application.
    Apply for a Grant Step 2 Version 2.jpg
    • You can download the grant application by selecting the Application tab and then by selection the "select package" hyperlink listed under "Actions." You will be prompted to provide your email address to receive grant updates and then given the option to download the materials.
    • You can also download grant application packages by entering the grant's Funding Opportunity Number or CFDA Number here: https://apply07.grants.gov/apply/forms_apps_idx.html.
    • The benefit of downloading a grant application package is that it allows you to complete and review your materials offline before submitting the finished application.[1]
  3. Register with Grants.gov. In order to submit a grant application, you must register with grants.gov as either an individual or business applicant. You can register online at:http://www.grants.gov/web/grants/register.html. Generally, you will need to provide the following information:
    Apply for a Grant Step 3 Version 2.jpg
    • As an individual registrant, you must know funding number of the grant for which you are applying. You can enter the funding number at this website: https://apply07.grants.gov/apply/IndCPRegister and then click the "register" button. You will be redirected to a registration form which you will fill out and that will prompt you to create a username and password.[2]
    • Organizations registering with the grant website must first obtain a DUNS number, which is a nine-digit business identifying number. You can register online at: https://fedgov.dnb.com/webform/pages/CCRSearch.jsp or call 1-866-705-5711.[3] You will need the following information to get your DUNS number: your legal name; the name and address of your business headquarters; any other organization names used by your business; the mailing address if different from the physical or business address; and a business telephone number, contact name and title. You may also need to provide the number of employees at your organization.[4]
    • Organizations must also register with the System Award Management (SAM). You can register at https://www.sam.gov by providing the name of your organization's authorizing official of your organization and an Employer Identification Number (EIN).
    • Organizations can complete their Authorized Organization Representative (AOR) profile and create a username and password by using their DUNS number to register here: https://apply07.grants.gov/apply/OrcRegister
    • You must then use your username and password to log into grants.gov in order to request access and approval. Once you complete these steps and you are approved, your organization will be registered with Grants.gov and able to submit grant applications.[5]
  4. Review instructions. Each grant will provide you with instructions in addition to the grant application materials. You must closely review the instructions when preparing your grant proposal.
    Apply for a Grant Step 4 Version 2.jpg
    • Instructions on how to open and use the forms in the package are on the application package cover sheet. #*Agency specific instructions can be downloaded with your application and will include information required for your submission.
  5. Write your grant materials. Most grants require that you submit a grant proposal that clearly shows how you meet all of the grant's requirements, a budget and what you intend to accomplish with the grant money. You can review sample documents provided above. Generally, your proposal should include:
    Apply for a Grant Step 5 Version 2.jpg
    • Information that meets all of the requirements of the grant.
    • A typo-free and grammatically correct document that persuasively sets forth your project aims.
    • Check for formatting requirements, such as font and page limits, and be sure to follow those requirements exactly.
    • Any documents that were required or that support your grant application such as tax documents or business documents.
  6. Submit the completed Grant Application Package. Once you have finalized your materials, you are ready to submit your grant.
    Apply for a Grant Step 6 Version 2.jpg
    • Open the finalized grant application and click the "save" button located on the grant application cover page.
    • Next, click "save" button on the cover page.
    • You will have the opportunity to click a "Check Package for Errors" button. You should use this option as the system will let you know if you have included all of the required information. Correct any errors that the system finds.
    • Click the "Save & Submit" button and save the application. You will only have this option once all errors have been rectified. You must save the application in order to begin the submission process.
    • Once you select "Save & Submit," you will be prompted to enter your username and password. You will be provided instructions on how to finalize your submission.
    • Once your submission is complete, the system will provide you with confirmation information and a tracking number for your submission. Be sure to save this information.
  7. Track your application. You can track the status of your application by entering the tracking number at the following website: http://www.grants.gov/web/grants/applicants/track-my-application.html. The system will tell you if your application was received but will not tell you whether you were awarded the grant. This information will come directly from the agency awarding the grant money.
    Apply for a Grant Step 7 Version 2.jpg

[Edit]Applying for a Federal Pell Grant

  1. Choose a college that is a right fit and accepts Pell grants. Choosing the right college is an important decision. The amount of financial aid you receive may help you narrow down your choices. Pell grants are financial awards given based on economic need to low-income undergraduates and some students seeking degrees beyond college.[6] If you think that you may qualify for a Pell grant, consider the following:
    Apply for a Grant Step 8 Version 2.jpg
    • Pell grants do not need to be repaid like student loans. Therefore, if you qualify for a Pell grant you can significantly reduce the amount of your college tuition with no further financial repayment obligation.
    • When choosing a college, you should check with the school's financial aid office to make sure that they participate in the Pell grant program.
    • When researching schools, be sure to identify the Federal School Code for each school so that you can include it on your financial aid application. By identifying this information before filling your application, you ensure that your financial aid information is sent directly to those schools.[7] You can locate Federal School Codes at https://fafsa.ed.gov/FAFSA/app/schoolSearch?locale=en_EN here.
  2. Complete a Free Application for Federal Student Aid (FAFSA). The U.S. Department of Education uses a student's FAFSA to decide a student's eligibility for federal student aid. In order to be eligible for a Pell grant or numerous other federal student aid funding possibilities, you must complete a FAFSA. You can apply for FAFSA online at https://fafsa.ed.gov and will be required to provide the following information:
    Apply for a Grant Step 9 Version 2.jpg
    • Your social security number or, if you are not a U.S. citizen, your alien registration number;
    • Your most recent federal income tax returns, W-2s and other documents showing your income;
    • Bank statements and/or investment information;
    • Information showing any un-taxed income, if applicable; and
    • Your FSA id. If you do not have an FSA id, you can register for one at https://fsaid.ed.gov/npas/index.htm.
    • If you are a dependent student, you will need to provide the above information for your parents.
    • You can include the college codes for up to 10 schools to which you plan to apply.
  3. Receive your Student Aid Report (SAR). Once your FAFSA is reviewed, you will receive a Student Aid Report that is based on the financial information included in your FAFSA. Your SAR will provide you and the colleges to which you apply the following information:
    Apply for a Grant Step 10 Version 2.jpg
    • The information that you included on your FAFSA.
    • The Expected Family Contribution, which is the financial amount the government expects you to contribute to your education. This number is used by colleges to determine the amount of your eligibility for financial aid.[8]
    • Your SAR will indicate whether you are eligible for a Pell grant.[9]
  4. Submit your college applications and wait for your financial aid package. After you submit your college applications and you are accepted, the school will provide you with your financial aid package. If you were eligible for a Pell grant and the school participates in the program, then the Pell grant should be included in your aid package.
    Apply for a Grant Step 11 Version 2.jpg
    • You can also apply to schools before filling out the FAFSA.

[Edit]Applying for Grants in the European Union

  1. Locate relevant grant programs. Similar to the Grants.gov website in the United States, the European Union created a centralized website where users could search for grants and public contracts. Grants are used to co-finance specific projects or missions and usually hold open calls for proposals.[10] The grant website is located at http://ec.europa.eu/contracts_grants/grants_en.htm.
    Apply for a Grant Step 12 Version 2.jpg
    • Rather than providing a keyword search function, the European Commission created categories for grants such as "Culture, Education and Youth," and Employment and Social Rights.
    • After clicking on the link identified above, you will be redirected to the grant category list. Identify the category that most closely relates to your business or project and click on the category name.
    • You will be redirected to open grants, also referred to as call for proposals. This page will show you all of the available grants under the selected category.
  2. Review the materials. Select each grant under the subheading and closely read the materials related to the grant to determine whether your project or business meets the grant's requirements.
    Apply for a Grant Step 13 Version 2.jpg
    • Closely read the document entitled "call for proposals" (CFP). Occasionally, there will be multiple CFPs and you should review each one, paying particular attention to the most recent.
    • CFPs will outline the grant application process. Your proposal must address each grant requirement in order to be considered.
  3. Understand the limitations of EU grants. All EU grants are a form of complementary financing, meaning that they do not finance projects up to 100%. Only projects taking place outside the European Union have the possibility to be financed in full.
    Apply for a Grant Step 14 Version 2.jpg
    • The purpose of EU grants is to allow grant beneficiaries to break-even financially and they are not meant to help generate a profit.
    • Typically, grants are awarded to public or private organizations, and on rare occasions they are awarded to individuals.
  4. Apply for a grant. There are a variety of agencies that manage grants and each grant has different application policies and procedures. An organization that intends to apply for grants should consider the following:.
    Apply for a Grant Step 15.jpg
    • You must identify the agency or E.U. State that is managing a particular grant. Each agency publishes information about the grant programs that they offer and it is important to review these materials. You can locate a list of managing agencies through a search option at: http://ec.europa.eu/regional_policy/index.cfm/en/atlas/managing-authorities/.
    • You must determine whether there are regional limitations to funding by determining which agency manages grants in your region and then contact them to receive specific information about the grants for which you are interested. You can locate contact information for managing agencies through the above link.[11]
    • Once you have determined that you are eligible, follow the specific grant instructions for applying and include all requested information.

[Edit]Applying for Carnegie Corporation Grants

  1. Determine if your project meets the funding criteria. The Carnegie Corporation always accepts requests for funding, however it only welcomes inquiries from potential grantee organizations whose work fits within their grant-making programs: education; democracy; higher education and research in Africa; and International peace and security. Carnegie grants are available to universities, colleges, and institutions related to higher learning and citizenship. They do not offer grants to:
    Apply for a Grant Step 16.jpg
    • Individuals.
    • Religious organizations.
    • Political campaigns.
    • Scholarships and endowments.
  2. Send a letter of inquiry. Write a letter of inquiry that addresses the following points in five pages or less:
    Apply for a Grant Step 17.jpg
    • What problem does your project address and why is this issue significant?
    • Explain how the project meets the current programs' requirements.
    • Set forth the strengths and skills that your organization and personnel bring to the project.
    • Identify who will lead the project, key personnel and attach their resumes.
    • What will the project prove and what methods will you use? If the project is already under way, what have you accomplished so far? What outcomes do you expect, both immediate and long term?
    • If you are requesting funding from Carnegie Corporation for a component(s) of a larger project, describe the specific activities that you are requesting the Corporation to fund and how they relate to the larger project.
    • List all sources of potential support.
    • What plans do you have to disseminate information to the public about your project?[12]
  3. Wait for a response. If the proposed project fits the Foundation's guidelines, you may be contacted within six weeks and asked to submit a proposal in the Corporation's format.
    Apply for a Grant Step 18.jpg

[Edit]Tips

  • To download a federal government grant application package, you'll need an Adobe software version is compatible with Grants.gov.

[Edit]Related wikiHows

[Edit]References

[Edit]Quick Summary

How to Get Rid of Burn Scars

Posted: 12 Nov 2019 12:00 AM PST

Burn scars are the elevated, fibrous tissue left behind after you've received a serious first- or second-degree burn. If the scar tissue is relatively light, remove it with a moisturizing cream or silicone gel sheets. For scars left by more serious burns, try removing them through massage therapy or, for very deep or large scars, through surgery. In the case of more serious scarring (e.g., from third-degree burns), you won't be able to fully remove the scar from your body, but you may be able to lighten the scar's appearance.

[Edit]Steps

[Edit]Applying Topical Treatments

  1. Use an over-the-counter moisturizing cream if the scar itches. Burn scars are often itchy. If you scratch them with your fingernails, the scar may tear open or bleed. Instead, apply an OTC moisturizer to the scar. Apply the cream 2–3 times a day by gently massaging it into the scarred area. Select a fragrance-free moisturizer to avoid agitating the burn scar and, for the same reason. Avoid medicated anti-itch creams.[1]
    Get Rid of Burn Scars Step 1.jpg
    • Moisturizers are great to use while the burn scar is still fresh. They'll help the scar recede and prevent it from growing large and unsightly. However, do wait until any blistering has healed before applying a moisturizer to the scar.
  2. Put an emollient cream on the scar to protect it from damage. Once any blisters on the skin have healed, the scar won't be at risk of or breaking open. Wait another 3-4 days until the scar tissue stops feeling tender. At this point, apply an emollient cream at least once per day.[2] Emollient creams will moisturize the scar and help it reabsorb into the surrounding skin. They'll also reduce redness and protect the scar tissue from being damaged.[3]
    Get Rid of Burn Scars Step 2.jpg
    • Emollient creams are heavier and thicker than moisturizers, although not as heavy as an ointment.
    • Purchase an OTC emollient cream at any large drugstore or pharmacy.
  3. Keep the burned tissue out of the sun. The ultraviolet rays produced by the sun can darken the color of your scar, making it much more visible. To keep the scar from darkening, use clothing and sunscreen to protect the scar from sunlight.[4] Practical steps you can take include:
    Get Rid of Burn Scars Step 3.jpg
    • Wearing a large-brimmed hat if the burn is on your face or neck.
    • Wearing loose clothing that covers the scarring if it's on your body.
    • Applying sunscreen (at least 30 SPF) to the burn if you can't cover it with clothing.
  4. Apply silicone gel sheets to second-degree burn scars. Silicone gel sheets hold medical silicone gel against the burn scar, which has been proven to help lighten and remove scar tissue. The sheets are adhesive, and will stay against your skin once you press them firmly into place. Purchase silicone gel sheets at any pharmacy or drugstore. Since they aren't medicated, you won't need a prescription.[5] For best effects, keep the gel sheet on for 12 hours at a time.[6]
    Get Rid of Burn Scars Step 4.jpg
    • In order for the silicone gel to work, it's important that you keep the burn scar and surrounding skin clean. Wash your burn scar with soap and water before you apply the silicone gel sheet. If you don't, you'll trap irritants and bacteria under the gel sheet and risk infecting the scar.
    • Do not apply silicone gel sheets to an open burn blister.

[Edit]Removing Scars with Massages and Lasers

  1. Meet with a doctor or burn therapist to discuss your options. If you've tried to get rid of burn scars with OTC creams and silicone gel sheets but not had any luck, you need to meet with a medical professional. Start by talking with your general practitioner, who may refer you to a dermatologist or burn specialist.[7]
    Get Rid of Burn Scars Step 5.jpg
    • These professionals can help you figure out the best course of action for your particular burn scars.
  2. Receive weekly massages to loosen and shrink the scar. Receiving a massage from a professional massage artist will stretch and loosen the burned skin. This will make the scar tissue more flexible and less sensitive, and will also allow the scar to lighten in color.[8] Ideally, receiving massages over a long period of time (e.g., 6 months) will lighten the scar tissue enough that it's no longer visible.
    Get Rid of Burn Scars Step 6.jpg
    • If you've seen a burn-scar therapist, ask them to recommend a massage artist who has worked with burn victims before.
  3. Perform massages on yourself at home if your doctor allows. Massage treatments can be expensive, and often the massage techniques used are fairly straightforward. If it's alright with your doctor or burn specialist, once you've received 3–5 professional massages, begin massaging yourself at home. Common techniques include stretching, rolling, and kneading the burned area(s). You can learn these techniques by watching your massage therapist perform them on your burn scars.[9]
    Get Rid of Burn Scars Step 7.jpg
    • If the burn scar is in an area that you cannot reach, ask a friend or family member to massage you.
  4. Ask about laser treatments to remove large, dark scarring. Large scars that comprise hairless, shiny, raised skin can be tough to remove. One of the common methods of lightening them is through laser treatments. The application of lasers may remove the scars' dark red color and soften the scar tissue, although it may take 1-2 weeks before you begin to see results. Laser treatments can also decrease pain and itching caused by the scar.[10]
    Get Rid of Burn Scars Step 8.jpg
    • Talk with your doctor or burn-scar therapist to find a doctor who can perform the laser scar removal. The therapist may recommend that you receive laser treatments in addition to—or instead of—massages.
    • While combining laser treatments with massage won't necessarily help you get rid of your scar tissue any faster, the added massages will help loosen the scar tissue in ways that laser treatments won't.

[Edit]Getting Rid of Scars with Injections and Surgery

  1. Consider steroid injections to reduce raised, thick burn scars. Thick, dense scars that won't shrink with massage or laser therapy can often be treated with steroid injections. When steroids are injected directly into scar tissue, they shrink the size of the scar and soften the tissue, often over a period of 5-7 days. Ask your doctor if steroid injections will help get rid of your burn scar.[11] These injections can be administered by your general practitioner or by a burn-scar specialist.
    Get Rid of Burn Scars Step 9.jpg
    • Thick, raised, smooth burn scars are medically referred to as "keloid" scars. In some cases, keloid scars may expand and grow past the limits of the initial burn.
  2. Ask your burn therapist about surgery if other methods aren't effective. In the case of severe or widespread scarring (e.g., from third-degree burns), surgery may be the only means of removing the scarred tissue. In most cases, surgery is performed to increase the burn victim's range of motion, since large patches of scar tissue can restrict movement.[12]
    Get Rid of Burn Scars Step 10.jpg
    • However, surgery can also have cosmetic benefits by reducing the darkness and size of burn scars.
  3. Discuss the types of surgery available. Depending on the type and severity of your burn scars, your burn therapist may recommend different types of surgery. For example, to increase the mobility of the burned skin and lessen the scar's appearance, the therapist may recommend a Z-plasty. Or, if the scarred skin needs to be fully replaced, they'll suggest a skin flap or a fat graft. In a skin flap surgery, the surgeons will remove healthy skin (along with muscle and fatty tissue) from a non-burned part of your body and graft it over the burn scar. For a fat graft, the surgeon will remove fat from a non-burned part of your body and insert it beneath the burn scar.[13]
    Get Rid of Burn Scars Step 11.jpg
    • Other types of surgery often performed on burn scars include tissue expansion and dermabrasion.
    • Performing a tissue expansion allows doctors to stretch out the skin beneath your scar tissue and, eventually, to scrape off the scar tissue, leaving healthy skin tissue in its place. In a dermabrasion, the doctor will scrape off the top layer of your burn scar to smooth the scar's overall appearance.

[Edit]Tips

  • The likelihood of a burn scarring is related to how much time it takes to heal. Burns that take less than 14 days (2 weeks) to heal are unlikely to scar, while burns that take longer than 21 days (3 weeks) to heal are almost guaranteed to scar. Burns that take between 14 and 21 days to heal may or may not scar.[14]

[Edit]Warnings

  • Although it's rare, some people have allergic reactions to silicone gel. If your skin burns or turns red after you've applied the silicone gel, remove the sheet immediately and visit your doctor. Also, don't apply any medicated creams while you're using silicone gel sheets.[15]

[Edit]References

[Edit]Quick Summary