Tokyo stocks advance in morning amid caution over US election

Tokyo stocks progressed Wednesday morning, following Wall Street’s benefits for the time being, yet alert stayed over the US election as polling came to a conclusion.

The 225-issue Nikkei Stock Average added 330.90 focuses, or 1.42%, from Monday to 23,626.38. The more extensive Topix record of all First Section issues on the Tokyo Stock Exchange, increased 13.15 focuses, or 0.82 percent, at 1,621.10. Nonferrous metal, mining and iron and steel-linked issues comprised those that gained the most by the morning break.

On October 1, 2020, for the first time in its history, the Tokyo Stock Exchange had to suspend trading in all shares for a whole day due to a technical glitch, causing buying and selling to freeze. This was announced just minutes before 9 a.m., when it was scheduled to open.

The problem was found to be in “the system for relaying market information”, hence making the glitch a network problem, but the Asahi Shimbun reported that the glitch was due to a mechanical failure. Japan Exchange Group Inc., which operates the Tokyo Stock Exchange, said that the suspension will be indefinite until the problem is resolved. Other stock markets in Japan have also suspended trading.

Markets in Japan were shut on Tuesday for a public occasion.

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Sergio Ramos completes his 100th goal for the club, the star player shares his happiness over twitter.

Expressing happiness over finishing a century of goals for the club, Real Madrid’s Sergio Ramos on Wednesday stated, “it isn’t each day you get your 100th goal.”

Ramos touched the landmark figure when he netted a goal in Real Madrid’s 3-2 win over Inter Milan in the Champions League. “Individual records are secondary, but it’s nice when your achievements, effort, and sacrifices over the course of so many years are recognised,” the club’s official website quoted Ramos as saying.

“It is not every day you get your 100th goal and all the more so when you are a defender. As long as they help us to win games and bring positive things to the team, I will be really happy. Here’s hoping I get many more,” he added.

Karim Benzema scored the opening goal of the match in the 25th minute before Ramos doubled the lead in the 33rd minute. However, Inter Milan’s Lautaro Martinez and Ivan Perisic scored one goal each to bring the scores to a level.

Rodrygo’s strike in the 80th minute sealed a win for Real Madrid.
Reflecting on the win, Ramos said: “As long as we continue to surprise people, it is a good sign. We are pleased, it was a really tough game, there was a lot at stake.

They are a very solid side, with a very clear playing style and they made the most of that, but we got a good result to pick up three really important points. The group was looking tough but tonight’s win was vital.”

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Apple has announced a ‘One More Thing’ event for November 10, for the company’s first ARM-based Macs that run with respect to Apple Silicon chips

The language here is especially notable: the ‘One More Thing’ phrase long been used by Apple – especially by Steve Jobs – in featured discussions for significant product announcements. The last time Apple utilized the expression was for the declaration of the iPhone X in 2017.

Mac declared designs to switch over from Intel processors to its own personal Apple Silicon CPUs back in June at WWDC, promising that the the first computers using the ARM-based chips would be out later in 2020. The organization said it’s rolling out the improvement for comparative reasons as its change to Intel chips in 2005: Apple says it can improve execution with lower power utilization from its own personal ARM-based efforts than it can with Intel’s processors.

While Apple is rumoured to start off with a MacBook of some sort for its initial ARM computer, the company’s ambitions are for its entire product lineup — from laptops all the way to desktops — to use Apple chips at some point down the line.

Along with new Macs, it’s also likely that the event will see the launch of macOS 11 Big Sur, which was also announced at WWDC and has been in beta for months.

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Let’s look at the top 10 mobile app development companies in Dubai, UAE to work with in 2021 – Researched by TopAppDevelopmentCompanies.com.

Technology is transforming the lifestyle of people and has become today’s necessity. If we talk about Middle East regions, Dubai, UAE, is on top of using the latest technologies. From digital payments, online shopping, education, healthcare, events booking, everything is possible through a few taps on your smartphone. In this tech era, more businesses are using mobile apps to reach their clients or customers. Dubai is rising as a technology hub for MENA, making it a natural choice for startups to grow their business.

To have a mobile app for your business, you need a good app idea with the best app developers in the market. The high growth of startups to enterprise-level organizations in Dubai creates a high demand for app developers. Team of TopAppDevelopmentCompanies.com researched a list of Top 10 app developers in Dubai 2021 that helps you to hire the most trustworthy app development partner for your business needs.

The List Of Top 10 App Development Companies In Dubai, UAE 2021 Research By TopAppDevelopmentCompanies.com

1. Hyperlink InfoSystem

Hyperlink InfoSystem is one of the top trustworthy app development companies in Dubai, UAE having their presence in India, the USA, and the UK. Since 2011, the company has developed more than 3500 apps, designed 1600+ websites, and 400+ projects on the latest technologies, including CRM, AI, IoT, Data Science, etc. worked with more than 2300+ global clients from that more than 400 clients in Dubai, UAE. The company offers web and app development, AI solutions, Salesforce solutions, IoT development, Big Data, AR/VR, Blockchain, CRM Solutions, and many more. They have a team of 250+ skilled teams who are always ready to develop the most complex solutions.

2. Intertec Systems

Dubai-headquartered from 1991, Intertec is a leading IT solutions and services provider having offices in 5 countries. They are committed to Innovation, Responsive, Reliable, and Supportive of their customer’s strategy. Intertec uses 35+ technology alliances to enhance its proposition to customer businesses.

3. Ethos Global Solutions

Ethos Global Solutions is a Dubai based IT company. Their main aim is to make brand perception management and provide custom-built strategic resolution to help businesses maintain their positive web presence and reach success visibly in a short period. Their tactical, experienced, and dedicated team make them one of the world’s best IT firms.

4. CYBOSOL

Since its inception in 2006, they earned recognition as a product and services company known for its customer focus and delivery finesse. Their skill to adapt to technology and business changes has given them the reputation of being the preferred strategic technology partner for global communities.

5. ApphiTect

Founded in 2008, Apphitect is a top mobile app development company in UAE that is compelling innovations in the digital transformations arena. Developed by the skilled strength of 200+ employees, the company has been conducting several inventions in mobile app development, eCommerce, Magento, web development, and cloud solutions.

6. Whitehats Design

Whitehats is a top IT company in Dubai that supports IT network and infrastructure organizations. Since 2007, they have been at the forefront of supporting technological developments in IT/network solutions. Based in Dubai, they have a professional team of IT professional experts in all fields.

7. Global Media Insight

Global Media Insight is a leading mobile app development and digital marketing company with a passion for invention and technology. Since 2001, they have been providing the best solution by using the latest technologies. A pioneer web design company in the UAE, they can make stunning website designs.

8. Data Capture Systems Co LLC

It all started in 1989 with the aim of one man. Today, his vision is called Data Capture Systems, a group of 135+ skilled employees (and still growing!) across more than 10 offices in a different area. At DCS, they respect the customer’s time and schedule and always try to provide the products and solutions on the decided priority basis.

9. Jawahir

Jawahir is an IT company that offers unique one-stop solutions to all your marketing needs. It is the leading online marketing villa that hosts an ample amount of digital & web services for you. They aim to strengthen your business by providing the best service.

10. Intellitech Computers

Established in 2005, they always try to help clients transform their business operations using the correct sized technology with a guaranteed ROI. Their vision is to excel the best in the IT industry with cutting edge solutions and deliver the right results.

The above-listed companies are the most trustworthy based on their past work experience, and client reviews from directories like Clutch.co, topappdevelopmentcompanies.com, appdevelopmentcompanies.co, and other B2B reviews platforms.

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Patel is a mentor of the Startup India program run by Government of India. 

He is a thoughtful and mindful human being. His priorities have always revolved around curating opportunities and bringing in Change that only gives a fresh perspective to everything ordinary and mundane.

Chiranjiv Patel, MD of PC Snehal Group of Companies, believes in Change. Because Change is the only constant, he has given a new life to entrepreneurship by breaking stereotypes and supporting mentorship. He has proved bringing in an experienced person on board for a start-up can SAVE many things, passion, money, a good concept and A great future of our country.

He knows Youngsters these days are oozing out great concepts but don’t know how to execute it for long-term and let it survive as a successful venture. 

He has changed the way how budding entrepreneurs now look at their work, worth and concept. They don’t run to search for an investor but a mentor who can guide them through all kinds of days. 

The young entrepreneur has spent more than two decades exploring various options to be where he is today, and that makes him an experienced entrepreneur and mentor.

He is also the Global committee member in the prestigious Entrepreneurs’ Organisation, and he has travelled the world to get great exposure and learn various things from successful people around the globe. And his rich practical knowledge and will to do great to the youngsters by helping them inter startups has made him the official mentor of the Startup India program run by Government of India. 

Startup India is a well-known and received program amongst the youngsters who need guidance and help from experienced people like Chiranjiv Patel and believe in the gradual process of success and becoming an established business.

Chiranjiv Patel says, “I love to spend time with youngsters, to know what’s new happening across the world, how our future is going to be. To understand the challenges for startups and youngsters in the present times.” 

He adds, “The present times are challenging for any youngster to flourish because there is too much content and information available easily and that’s challenging. Theoretical research from the existing literature dons the practical experience, and that’s where the startups these days are not doing great in the long term. And to talk about practical experiences, one needs a mentor who can show both the positive and negative sides of a concept and the way ahead to live it all.”

Apart from Startup India program, The young entrepreneur Chiranjiv Patel has also curated a one of a kind mentorship program, Re. 1 Mentorship Program. The program allows growing with the gradual process and every day under the guidance of Chiranjiv Patel. To provide practical knowledge of his direction, he gives every selected startup an opportunity in his well-knitted networking world. And let the startups grow with him. 

The Changemaker, Chiranjiv Patel doesn’t believe in classroom knowledge, but he takes around 6-9 sessions with every entrepreneur, to design, plan and execute one new thing every day and let the business idea and concept flourish and bloom like never before.

“I love to see startups grow. I feel the youngsters these days believe to be perfectionists but forget that perfectionists don’t have a long way to go it is the explorer who wins the game. The one who makes the most of the mistakes is the experienced one and has a long way to go. 

I tell the budding entrepreneurs to grow, change and explore to know what exists and how subtly they have to bring in the Change,” says Chiranjiv Patel, founder-trustee of Karma Foundation.

To know more, visit chiranjivpatel.com.

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Bhatia records his 13-year ordeal in the critically acclaimed book Indicting Goliath and puts out all that he has gone through.

• To Stifle Lal Bhatia’s efforts of exposing large scale criminality, facts were fabricated, and Lal Bhatia was framed to protect individuals, including a number of senior officials within the United States Government. Court Documents reveal.
• Court Documents also reveal that corrupt Government Officials Within the United States Department of Justice accepted bribes to falsely charge, falsely convict and falsely incarcerate Lal Bhatia.
• Numerous questions pointing to crimes conducted by senior officials within the United States Government remain unanswered. Court Documents also reveal.

In his critically acclaimed book, Indicting Goliath, Lal Bhatia, author, relying on court documents, conclusively establishes, that, for favours and bribes, United States Department of Justices’ prosecutor Stephen G. Corrigan; Federal Bureau of Investigation, Special Agent Janet Berry and others fabricated facts to falsely charge, falsely convict and falsely incarcerated him to conceal Seattle based Mon Wig, Managing Member, Wig Properties LLC’s crimes.

In numerous court filings, as demonstrated throughout Indicting Goliath, for example, on December 28, 2010 in U.S. v. Lal Bhatia, U.S. District Court, Northern California, Court Case No.: CR-04-40071-CW, Document Nos. 392-394; Court Case No.: CR-05-00334-SBA, Document No.: 545; Lal Bhatia v. United States Attorney’s Office, Northern California, Case No.: CV-09-05581-SBA, Document No.: 45; and Lal Bhatia v. Mon Wig, Case No.: CV-10-00072-SBA, Document No.: 78, it was deemed admitted and conclusively established that:

Individuals including, Assistant United States Attorney, Stephen G. Corrigan, Federal Bureau of Investigation Special Agent Janet Berry, and others engineered and fabricated facts to falsely indict, falsely convict and falsely incarcerate Lal Bhatia, in order to conceal and protect Mon Wig’s crimes, including Wig’s bulk cash currency that was transferred and deposited in safe-deposit boxes at Bank of Credit and Commerce Limited, in London, England (BCCI); and transported in armored vehicles or flown from Mexico into the United States, through Wachovia Bank.

Individuals including, prosecutor Stephen G. Corrigan, Federal Bureau of Investigation Special Agent Janet Berry, and others engineered and fabricated facts to falsely indict, falsely convict and falsely incarcerate Lal Bhatia, in order to conceal and protect Mon Wig’s crimes, including, Wig’s bulk cash currency laundered through Barclays, the British Bank; Credit Suisse Group; and ABN Amro Bank.

Indicting Goliath, Appendix 2, pgs. 245-256.

This is a call on all people who believe in dignity, human rights and due process of law to raise their voices with the following message:

“I am deeply disappointed that the United States Department of Justice continues to protect corrupt government officials even after court documents reveal Lal Bhatia, on numerous occasions, identified, specified and detailed, dates Mon Wig’s millions were laundered; amounts, methods used, bank account numbers, conduits used by Mon Wig to launder the millions. Why are they continuing to protect Wig for over a decade?”

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Housing Development Finance Corporation’s (HDFC) net benefit for the July-September (second quarter) of 2020-2021 dropped by 28 percent.

The housing finance provider clocked profit after tax of Rs 2,870 crore for the quarter ended September 30, 2020 compared to Rs 3,962 crore reported during the corresponding quarter a year back. HDFC said during the Q2 individual loan application receipts grew 12 percent and approvals grew by 9 percent compared to the corresponding quarter of the previous year.

Individual disbursements during the quarter ended September 30, 2020 were at 95% levels of the previous year. During the half-year ended September 30, 2020, HDFC provided 35% of home loans approved in volume terms and 18% in esteem terms have been to clients from the Economically Weaker Section (EWS) and Low Income Groups (LIG). The average size of individual credits remained at Rs 26.7 lakh.

“The individual disbursements during the quarter ended September 30, 2020, were at 95 per cent levels of the previous year,” it read.

As at September 30, 2020, individual loans comprise 75% of the Assets Under Management (AUM). On an AUM basis, the growth in the individual loan book was 9 per cent. The growth in the non-individual loan book was 13 per cent. The growth in the total loan book on an AUM basis was 10 per cent.

As per the statement, the gross non-performing loans as of September 30, 2020 stand at Rs 8,511 crore. This is equivalent to 1.81 per cent of the loan portfolio.

The non-performing loans of the individual portfolio stood at 0.84 per cent while that of the non-individual portfolio stood at 4.19 per cent.
The net interest income (NII) for the quarter ended September 30, 2020 showed a growth of 21 per cent as compared to the previous year and stands at Rs 3,647 crore.

History of HDFC:

A subsidiary of the Housing Development Finance Corporation, HDFC Bank was incorporated in 1994, with its registered office in Mumbai, Maharashtra, India. Its first corporate office and a full-service branch at Sandoz House, Worli were inaugurated by the then Union Finance Minister, Manmohan Singh.

As of 30 June 2019, the Bank’s distribution network was at 5500 branches across 2,764 cities. The bank also installed 430,000 POS terminals and issued 23570,000 debit cards and 12 million credit cards in FY 2017.

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