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Demonetisation is not a new concept in India. It has been done in the past but not in such a large scale. For example, the 10,000 rupee note was demonetised in 1978. However, only the very rich had these notes and the general population of the country remained unaffected by this move.An absence of other steps to curb black money would make demonetisation a pointless exercise just like the 1978 attempt.On July 12, 2017, almost 8 months after the announcement of demonetisation, RBI Governor Urjit Patel told a Parliamentary Standing Committee that the RBI was still counting the money that had been received by the banking system, and hence he could not state how much money had actually come in.This was doubtless an extraordinary admission. It speaks pretty poorly of India's banking system that there cannot even be a rough estimation of this amount, since all exchanges were stopped on December 30, 2016.I'm going to make a bold guess here and say that the RBI Governor is lying. Yes, you read that right. The RBI Governor is lying. He knows exactly how much money has come back into the system, but is unable to reveal it. Why?At the time of the demonetisation announcement last year, the amount of money in circulation in 500 and 1000 rupee notes was estimated to be 15.5 lakh crores. There was talk that the government was expecting about 13 lakh crores to come back into the banks as a result of the forced exchange, and that the remaining 2.5 lakh crores was "black" and could not be returned in the full glare of publicity. It was thought that black money holders would throw these worthless notes into the river (some of that did happen). This was how black money was going to be "hit".Further, since 2.5 lakhs crores of (in essence) promissory notes ("I promise to pay the bearer") were never going to be presented, it meant that the RBI would be absolved of 2.5 lakhs crores worth of debt to the general public! This extinguished debt was going to be a one-time windfall that the RBI could transfer to the government as a huge budget surplus that could then be used to fund so many initiatives.Farmers, fishermen, vegetable sellers, small shopkeepers without card readers or Paytm, taxi drivers, truckers, etc., have all been affected with loss of livelihood which may be irretrievable in some cases, for example, loss of daily wages for casual labour, or lower sales for vegetable vendors.Now here's my theory.I believe that the expected shortfall in currency returns did not materialise. On the contrary, I believe more money than the expected 15.5 lakh crores has come back into the system. It implies that far from demonetisation having struck a blow against black money holders and counterfeiters, the system has been cheated, and it has been cheated in more than one way.Everyday the banking system comes with modification of the rules, the conditions under which the people can withdraw money. That reflects very poorly on the Prime Minister’s office, on the Finance Minister’s office and on the Reserve Bank of India. I am very sorry that the Reserve Bank of India has been exposed to this sort of criticism which I think is fully justified.1. Black money has been effectively turned white using demonetisation, since virtually all the deposits made have been under the no-questions-asked limit of 2.5 lakhs per bank account. A lot of private deals between black money holders and ordinary account holders must have been struck to enable this laundering, and the government is none the wiser. Minus a commission to the account holders, the original owners will eventually get back all their money. The whitewashed money will therefore largely return to the black economy, and the taxman will remain empty-handed.2. Counterfeit currency in 500 and 1000 rupee denominations has been successfully exchanged for genuine currency in smaller denominations. Think about it. If the money that returned is more than what the RBI had put into circulation, it only means a large number of counterfeit notes have also been submitted and exchanged for genuine notes in smaller denominations. Demonetisation has unwittingly devalued the currency. By how much is anyone's guess. The RBI surely knows but is not telling.3. It means poor people have suffered for nothing. It was remarked during the months of November and December 2016 that the Indian people were demonstrating exemplary patience. Poor and lower middle class people underwent great hardship during these months, standing for hours in bank and ATM queues, and managing their lives with a chronic shortage of cash. Yet the thought that it was all in a good cause, and that holders of black money were suffering even more, kept them in relative good humour. But now, if it turns out that black money holders have managed to have the last laugh, and that common people have suffered for nothing, won't the voting public be outraged?4. Paradoxically for a move that caused such widespread suffering, demonetisation boosted Modi's personal popularity. He was seen to have struck a blow for the common man against corruption, and the people were willing to suffer to see his efforts successful. The word "masterstroke" was often used, along with the phrase "He has delivered!" Modi seemed like a clever and decisive leader who had outwitted the enemies of the country and placed India on a path to growth and prosperity. Now everything has been turned upside-down. Modi no longer looks clever. The crooks have taken him for a ride.5. RBI halves dividend paid to govt to Rs 30,659 crore in 2016-17 as compared to last year Rs 65,876.6. Most consumers and households in India prefer transacting in cash for purchase of durables as well as essentials. Most Indians also prefer to save cash at home. Also, over fifty percent of the populous does not know how to transact in card or other forms of digital payments.The banking infrastructure in India is way behind other emerging markets. Access to ATMs and point-of-sale terminals is limited and typically available mostly in towns and cities and in organized sector. Rural India has limited access to even banks.Access to internet, especially broadband connection, is limited to urban areas. Also, even if internet connections are available, it is not very reliable.Nearly 80 percent of Indians have mobile phones. However, nearly 65 percent of such mobile phone users do not access the internet from their phones. Also, most of those who do use internet on their smartphones often use it to access WhatsApp, Facebook, etc., and not for shopping or banking.For the first time in India's history, RBI has skipped releasing the balance sheet for the week of June 30th.This is the day when central bank officially closes its accounting year. They did it to hide the effects of demonetization from people.I won't be surprised if 100% or even more than 100% of demonetized currency has come back. And they're probably still wondering how they can fake this data to make DeMo look nice.Government effectively switched to cashless economy but on 8 Nov demonetisation was done to fight against black money, counterfeit currency, corruption.I am also amazed at the silence of opposition which is just not raising the issue at any forum. They should actually be going all guns blazing in Parliament and other forums asking the govt to explain the outcome. But they chose to be silent.....it's a scary silence which indicates that either they too are in connivance or under some threat !Corruption is legalized in India after 22nd March 2017, hardly any mainstream media channel cover this, they also fudged GDP figures, watch these videos-Finally I would like to end this with Dr. Manmohan Singh words- In the process of demonetisation monumental mismanagement has been undertaken about which today there is no two opinions in the country as a whole. Even those who say that this measure will do harm or cause distress in the short term but be in the interests of the country in the long run should be reminded of what John Keynes said once,” In the long run all of us are dead.”Narendra Modi oratory skills are very good but he sounds not good in implementing what he said, see this-Old name- New name1. Basic Savings Bank Deposit Account - Pradhan Mantri Jan Dhan Yojana.2. National Girl Child Day Program- Beti bachao, Beti padhao Yojana.3. Nirmal Bharat Abhiyan- Swach Bharat Abhiyan.4. Indira Awaas Yojana- Pradhan Mantri Gramin Awaas Yojana-.5. Rajiv Awaas Yojana- Sardar Patel National Urban Housing Mission.6. Rajiv Grameen Vidyutikaran Yojana-Deen Dayal Upadhyay Gram Jyoti Yojana.7. Accelerated Irrigation Benefits Programme-Pradhan Mantri Krishi Sinchayee Yojana.8. Jawaharlal Nehru National Urban Renewal Mission-Atal Mission for Rejuvenation and Urban Transformation.9. Comprehensive Crop Insurance Scheme-Pradhan Mantri Fasal Bima Yojana .10. National Skill Development Programme-Skill India.11. National Manufacturing Policy- Make In India.12. National e -Governance Plan- Digital India.13. Planning Commission of India- NITI AyogHe is just changing names of Congress schemes.Narendra Modi on 15th August 2017 said that Demonetisation revealed Rs 3 lakh crore black money. How he came with this figures because RBI has not given any figures till 15th August, Is he running the RBI?? Something very fishy is going on.Demonetisation revealed Rs 3 lakh crore black money, says PM Narendra Modi - Times of India.While RBI reports shows that 99% of demonetised currency returned to banks, so if i combine what Modi said on 15th August and what RBI figures revealed, black money returns to bank.99% of demonetised notes returned, says RBI report.GDP also decline by 2% in last quarter , Dr. Manmohan Singh predicted the same after demonetisation.GDP can decline by 2 percentage points, says Manmohan Singh.But Narendra Modi make fun of him saying that Manmohan Singh baths in Bathroom with raincoat because Congress was involved in so many corruption charges but there is no spot on Dr. Singh.“According to me, instead of looking into Dr. Singh’s bathroom, if Modi looks into his library, Indian economy will be in good condition today.”What RBI said today i.e on 4 September, 2017 clearly indicates that Demonetisation was a failure.Either govt is lying or RBI. Both these statements can’t be true at the same time.Demonetisation was a political stunt to win elections in March which they won.Dr. Manmohan Singh brings Raghuram Rajan( one eyed king in the land of blind) from US to India and Narendra Modi deports him back to US.Do banks take our money without counting?? If no, then why RBI count the notes manually.Modi government rename the scheme National e-governance plan to “Digital India” and RBI counting notes without machines. “ Biggest Irony it was..”Now, two Veteran leaders of BJP Arun Shourie and Yashwant Sinha questioned the motive behind demonetisation. Arun Shourie said that demonetisation was largest ever money laundering scheme. Arun Jaitley remark on Yashwant Sinha that he is looking for a job at the age of 80 shows his mental condition.In a recent RTI reply, RBI said that they have no information how much black money and counterfeit currency recovered post demonetisation.RBI is behaving like a MBI( Modi Bank of India).The black money which is earlier in the house or somewhere else is now in Banks and people earning interests on the amount.Congress did corruption for 60 years according to Narendra Modi but he is not able to arrest any corrupt in 3.5 years, this shows that he is hand in glove with them.Nov 8, 2017 celebrated as Anti-black money day by incumbent government. 150 people died, 15 million people lose their jobs, GDP goes down by 2%, Industrial output goes down from 7% to 1.7% but the government not ready to reckon that Demonetisation was a wrong move.This year's Nobel Economics prize winner Richard Thaler thinks that the concept of demonetisation is good but the Narendra Modi government’s rollout of the note ban was “deeply flawed”.If demonetisation one aim was to stop terror funding, then who is responsible for Attack on Pilgrims during Amarnath Yatra in the month of July 2017, whos is responsible for Pulwama??? Ask this question to yourself.“A Spectre is haunting India”.

First of all, you should think about your financial goals.What are the reasons for your investment? What is your timescale? And how much money would you need to achieve this goal?For example, are you investing for a period of 10 years or more and during this time, the value of your investment can increase, or are you close to retirement and would like a steady stream of income?Next, you need to decide what type of investment will fit your risk, while still there is a possibility of achieving your goal. A vast array of different asset classes or type of investment is available.The most common are stocks and bonds, although some people also invest in property and commodities.Investment limitShares are the most famous and traditional type of investment. They are only one share in a company, such as Marks & Spencer, who will often pay regular dividends to their shareholders.Shareholders are benefited by any profit, income or profit received by that company. A bond is a glory, a loan for a company or government that wishes to raise some money.With the predetermined rate of interest to be paid to the investor, the period of time and the value of the loan are determined in advance, which eventually get their money back.For example, a loan of £ 100 with an interest rate of more than 5%, Bonds are considered at the lower end of the scale of risk.Shares are riskier than bonds but can be more financially beneficial in the long run.Property investment can be done in a house (such as giving a flat to buy) or owning commercial properties like shops, hospitals or factories.FundOnce you decide on the type of investment, then you should consider how you will invest. Investing in a personal company or bond requires a lot of time and research and it can be expensive.It can also be risky because you are putting your trust in the fate of only one or two companies.So, unless you have time and inclination to do your own research, the most popular way of investing is through a fund, though there are other available options too.They will also review the investment to ensure they are doing well and change them if necessary.Investing in a fund will include costsThese investment trusts will have fees, stamp duty, and annual management fees taken by the manager themselves upon buying shares.It is always a good idea to shop and make sure you are not paying on the obstacles, but cheaper is not always the best, and the value for money is more important.Some funds will charge more than others, but it may be worth paying more for a potentially better return. Research what you look like and what they are investing.Never buy anything that you do not understand, All this may seem very work but there is help in hand.Some investment companies, online stockbrokers and funds will provide guidance and education about the supermarket investment.They can research funds on your behalf and make a small list of those funds which they consider best in their field.Online trading gives you the opportunity to become your own boss, set your work hours, work from home, and earn as much money as you want without artificial hat kept on salaried.However, early traders often find it difficult to understand how the market works - information overload from Wall Street is more than enough to keep the initials in constant learning. As a result, they never feel ready to take a dip.Technical progress in the finance industry has reduced the barrier to entering the trade. Now, anyone can start making money with a basic understanding of the market, how the market works.Decent business capital and right business equipment. In fact, financial trading tools such as bots, trading algorithms.AI and social trading make it easy to succeed in trading without an advanced degree or any special training.Different Types Of BusinessBefore coming into the basics, first consider the different types of business -- Stock trading: Stock trading is the art of buying, selling and selling (also called stock) listed securities on public stock exchanges.Options TradingOptions Trading is a form of derivative trading in which people trade contracts which give them the right (but not the obligation) to buy or sell an underlying property at a predetermined price.Binary Options Trading: Binary options trading is a type of business in which traders are expected to earn predefined payments or nothing to their 'prediction' success. A typical market event on the basis of.Make your first businessNow that you understand how the market works, you have to decide on the kind of assets or securities that you want to do business.For the next decision, you have to select the right broker or brokerage firm, through which you will be able to reach the markets.Your chosen broker will have a direct impact on the type of securities that you will be able to do business, the type of trading equipment.you will be in disposal, how much you will pay in fees, and what kind of final return you expect on your trades can do.Some unscrupulous brokers do as part of their efforts to make their trading process opaque, misleading and complicated, plus fees transaction costs and commissions efforts outside the initial traders.You need to find a broker who will charge a relatively low fee while providing a complete suite of resources to make your trading experience easier.Developing a Business StrategyThe main difference between business and investment is that a businessman actively seeks market activities for profit while an investor usually waits for profit from the long-term value movement.In the property in your portfolio, A trader can usually trade tens or hundreds within a week, while an investor is satisfied to buy and keep the property for months or years.No merchant can reduce the importance of trading strategy - the first step in creating your trading strategy is a trading plan.A business plan is similar to writing a business plan for an entrepreneurship search. A business plan helps you to make a logical tradition decision, fast the period of movement in the market when your emotions can motivate you to make hasty decisions.Your trading strategy should include a market ideology - a specific goal working as your motivational factor in looking for your destiny in the market.Your trading strategy should include your asset allocation and diversification moves - as a start, you should not have more than 5% business capital on any single business.Here some advice has been given about the essential steps that the initial stock investors should take on the journey of their success.Adopt realistic expectations. Happy expectations are fulfilled, so expect something to be normal, not extraordinary.There is no such thing as there is no hope of making money easily. A good goal is to end the year with the same money with which you started. This is a success and you will be happy. Set out to make $ 1 million and you'll be unhappy.Do not get out of necessity. Investment is one hand game - a fantastic, intellectual, exciting quest, which you have to enjoy, do not suffer.You can think of it as a hobby or an essential evil, depending on how you achieve it, but I guarantee that if you do not enjoy it or do not want to do it, then your The chances of success are greatly reduced.Accept risks. In the last four and a half years, the market has fallen 54.5 percent, has increased by 60.7 percent, dropped by 25.2 percent, grew by 13.2 percent, and still below the high level of eight years ago, is still 22.9 percent.That instability means that many of the old approaches do not work anymore and the set-and-forgotten investor has been given a lot of bloody noses and has been left disappointed, frustrated and confused.You have to learn to manage risk and be alert and disciplined. The good news is that it is provocative and your mastery will be measured in dollars.Be polite For every successful investor, one is unsuccessful. See it as a battlefield, fought with the experience of the war.When you take the first step on the battlefield you are an easy goal. When it comes to money, no one cares about you on the other side of the screen - just about winning the war, and 99.9 percent of them are more heavily armed.Respect the competition, start small, start slow and even start on paper. You have to get some experience to survive because the moment you turn that screen on, the tent of competitive capitalism is going to reach your pockets.Keep your hands in your pocket. Early people sell to someone who does not work them and they do not need them. During the continuous increase in stock prices, everything works, noHow much is lacking A growing stock market will wrap the black-box principles, mail order DVD courses, and products as well.And there is an inverse relationship between cost and value. Some great products, software or guides are cheap or free. There is no holy grill technique that you can access with a credit card so far.Develop your intellectual property. There are several investment approaches and you will develop your development based on your personal circumstances and the experience of success and failure during their use.Over time, your goal is to develop your own intellectual property, how to invest, not to be adopted by anyone else.Due to not being a silver bullet, focus on developing and improving their own methods. You will be in charge in the long term.So develop your skills and abilities. Expect to change your beliefs and techniques. Develop activities that do not work and break those habits which do not.Do not buy in long term investment only as an approach. Investments are not about buying the right stock, but with the open mind about potential failure, it is about reducing the barriers in its favor.Set-end-investment is then 1990's. Since GFC and trillions of dollars have been printed money, the market has become a dangerous place since then.There is no place for pride, pride or prejudice. Think about every possibility with an open mind, in which the market or stock is included after the day you invest.Nobody has a monopoly on success, so keep your eyes open, those who are not going away. The stocks you buy can be up to 20 percent of the game, what else is to do after buying another 80 percent, and it can be learned.It's not easy, but it's not hard, and if you can not get bothered then you probably should not be in the market.pay attention. In the battlefield of the market, you have to regularly evaluate your investment, if not daily. That's the job.Plan. It is not good that you do some things. You need the details: Timelines, goals, research tools, risk management, money management.I can hear you stop, but you need to do this, to know what you are going to do under more than one scenario.Learn how to sell. A long-term investor's Achilles' heel. Develop stop-loss strategies. It is not difficult and they work for long term positions, for example, to avoid major events like GFC.A lot of reading Trading skills are a commodity that is easily accessible and you do not need a high-cost seminar to get them. It is all open source these days and for anyone, it has become a hobby.Software. You need something. A spreadsheet package is minimal to monitor your posts, stop-loss, and performance.Pay attention to money. Many people waste their investment outcomes with false emotions like management, favorite shares, and loyalty towards irrational likes and dislikes.Emotional bias simply weakens the chances of your success. It is a clinical game to earn money and there is no place for emotion in it.Expand the circle of your friends. Exit among other investors. You need fairness. There are many people who know more than you and you are better at earning money.Start with the Australian Investor Association, the collection of profits for investors is only ready to share.Beginner's Guide to Investing in Stock in India--Be clear on your objectives and what it takesBefore you even buy your first stock, it is prudent to associate your expectations with the same risk, in which stock trading enters your money before entering it.Investments in stocks are usually more favorable to those who are affected by high-risk appetite and are not satisfied with the relatively low returns that you get from mutual funds.For this, you should be more as an active investor and thus you should take more time. The reason for this is that keeping only one, too.Or even a small number of stocks means that your risk is not spread even when you invest in a mutual fund, which has a different portfolio of stocks Are.Thus, you need to be constantly alert to monitor your holdings at any time in case the market is running against you.It is being said that the opposition to passive investment in the mutual fund limits the amount of money you can make.However, as mentioned earlier, if you play your card correctly, then a smart stock investment can bring a fantastic return.Open Demat AccountTo start trading stock in India, you will need a trading securities account. The trading account protects the shares you buy in the local stock exchange.The demat account is administered by BSE NSE, which is an organization that ensures smooth operation and settlement of transactions in domestic operations.Three types of demat accounts can be opened - personal, joint and corporate accounts. But in this article, we will only focus on individual accounts.Requirements--At least 18 years oldUndeclared bankrupt should not beThe general documents you'll need include:identity cardEither copyBank statement from any MAS licensed bankCentral Provident Fund (CPF) DetailsNotice of tax assessment.There are three ways to open a personal accountMatching in Application Form and Support DocumentOn the counter on the demat.At the counter of any member brokerFor the first time, it is recommended that you open your personal account at a member broker counter. In this way, you can also open your trading account and link them at the same time.Your Demat account can be linked to many brokers and can hold all the shares you bought through your brokers.Open a Trading AccountA trading account or brokerage account is an account in which you have a brokerage firm that enables you to buy and sell shares. You can not stock without an account.Before deciding on which unit to open an account with, it would be advisable to gather some information to compare them in terms of fees, services, research tools, and other aspects.It is also always important to ensure that your broker is licensed. You'll usually be depositing at least a few thousand dollars in your trading account and you want to make sure that your money is in safe hands.Conduct your due diligence and check whether they are listed as a broker with the Indian Currency Authority.Also, do not become victims of online brokers offering cheap duties! Doing business with them can put you at risk.Make sure you know about their credibility through online forums and user reviews before committing to open an account with them.Common documents that you need to open your account--Identity cardBank account details have been issued within the last three monthsLatest tax detailsAssistant Documents for Postal AddressTo complete the trading account creation process and to accept the demat account, take less than 10 working days.Link your bank accountIt is a good idea to have a bank account in India that is linked to your demat account so that you can activate the automatic payment for your transactions through GIO and instead of doing it manually and every time your account.And instead of requiring you to set one amount every month for trading, you have to feel a lump sum savings and investment joke, knowing that you have already automated it with a GIO payment.You can choose a bank account with your chosen broker, but this is not necessary.If you do not yet have a bank account in India or just want a separate bank account for trading, you can open one at the counter when you open a trading account and open a demat account in a brokerage firm.Set Your Investment PlanSo you have made it so far and now you are all set to invest in your first stock. But with so many stocks, how can you decide which one to choose?The first step is to determine how much of your capital stock is going to be allocated. Just as it applies to any other asset class or investment instrument, you should avoid keeping all your cash in stock completely.Besides, it would be worthwhile to keep in mind that the cash you have set to invest in the stock market should be the money which you can lose.For years, a common rule of thumb has been used to simplify the asset allocation process.Basically, this principle tells you that you should subtract your current age from 100 - and the resulting number is the percentage of your portfolio that you should put into stocks.For example, if you are 35 years old, you should keep 65% of your portfolio in stock. If you are 50, you should keep 50% of your portfolio in stock.However, there are people who claim that this approach is now outdated and is no longer applicable.After this, assess your personal risk appetite. Risks and returns usually go hand in hand; Therefore, if you are seeking high returns, then you should expect a high level of risk, and it also applies to stock-picking.For those who are more at risk, a good tip is that if you prefer low-risk investment and want to invest for a long time, then you should see blue-chip stocks with a high dividend yield Want toBlue-chip stocks are considered popular in India, not only with runaway investors but also with experienced veterans.As mentioned earlier, investing in only one stock or some different shares may be a high risk, high reward attempt.Thus, there is another way of reducing and reducing the risk that there is sufficient diversity in terms of your stock holdings so that a balanced watch can be maintained on your portfolio.which can help in counter performance in a particular segment. You should get a habit of keeping yourself up-to-date on daily financial news and data such as income reports.Changes in government policies, job statistics, central bank interest rates, commodity prices and other important bits of information that will help you can do. In making your investment decisions.Excluding Your StockAfter you assess your capital and risk appetite, it is time to move forward to start the selection of stocks.There are two ways to analyze the stock: Technical analysis and fundamental analysis.These two methods do not need to be mutually exclusive; In fact, many investors use a combination of both to help in the selection of their stocks.No one type of analysis is better than the other, so find out both and find out which ones you feel better.Technical AnalysisTechnical analysis is essentially the study of supply and demand forces for traditional equipment in a particular market.Its aim is to try to understand the signals of the market so that the cost of those instruments can be estimated in the future.Technical analysis is recommended for those people who are comfortable with the chart. The advantage of this is that it can be used on a user basis throughout the time frame - Intra-day, Daily, Weekly and beyond.An expert in technical analysis has also developed a new approach that enables investors to use multiple deadlines and to integrate them to identify both medium and long-term trends.Fundamental AnalysisThe actual analysis to determine the value of the stock is the study of the financial health of the underlying company. It includes inspection of 3 financial statements: Balance Sheet, Cash Flow Statement andIncome DetailsYou can easily find information about a company's financial statements and financial ratios on online sites like Reuters.The best type of stock investment is always the right mix of quality and value. On the basis of quality, we are referring to such aspects as:Attractive YieldGood earnings growthStrong balance sheetHealthy cash flowBased on the price, we are considering the present value of the stock relative to specific performance metrics such as sales or profits.An example of this would be the value/revenue ratio, which is probably one of the most popular methods of estimating the value of the stock.To determine whether the stock is worth considering, you should compare its P / E value relative to the same benchmark for the particular area of the stock or even the overall market.There was even a study that used to conclude that in order to get the best long-term return, you should focus on stocks that are trading on the lowest valuation, i.e. the lowest P / E ratioParticipation in investment-related programs can also be a good idea. Organizations such as the Indian Securities Investor Association often hold seminars on stock investment in India.The securities firm, such as Maybank Kim Eng, also often organizes its own seminars to educate the public on matters of investment.Watch out for them! Sometimes, they can host it for free. You can also learn from the comfort of your home by logging on the online webinar operated by India.You can also make your stock trading online. Some online platforms are customizable and are equipped with extensive trading tools that can help you track your stock, as well as take better trading decisions.Here are some online platforms that can help you monitor your stocks, as well as help you decide which stocks to invest in.Mayank Kim Egg Trading provides an award-winning mobile app for trade mobile. You will also be able to access your watch list, index, and quote on your go through the Apple Watch.India offers both a web-based and a mobile app for its online trading platform. What's more, its mobile app can be used not only on Apple and Android phones but also on BlackBerry devices.

At some point in our lives, everybody asks the big questions:"Who made us," and "Why are we here?"So who did make us? Atheists speak of the Big Bang and evolution, whereas all others speak of God. Those who answer "I don't know" are atheist for all intents and purposes, not because they deny God's existence, but because they fail to affirm it.Now, the Big Bang may explain the origin of the universe, but it doesn't explain the origin of the primordial dust cloud. This dust cloud (which, according to the theory, drew together, compacted and then exploded) had to come from somewhere. After all, it contained enough matter to form not just our galaxy, but the billion other galaxies in the known universe. So where did that come form? Who, or what, created the primordial dust cloud?Similarly, evolution may explain the fossil record, but it falls far short of explaining the quintessential essence of human life—the soul. We all have one. We feel its presence, we speak of its existence and at times pray for its salvation. But only the religions can explain where it came from. The theory of natural selection can explain many of the material aspects of living things, but it fails to explain the human soul.Furthermore, anyone who studies the complexities of life and the universe cannot help but witness the signature of the Creator.* Whether or not people recognize these signs is another matter—as the old saying goes, denial isn't just a river in Egypt. (Get it? Denial, spelled "de Nile" … the river Nile … oh, never mind.) The point is that if we see a painting, we know there is a painter. If we see a sculpture, we know there's a sculptor; a pot, a potter. So when we view creation, shouldn't we know there's a Creator?The concept that the universe exploded and then developed in balanced perfection through random events and natural selection is little different from the proposal that, by dropping bombs into a junkyard, sooner or later one of them will blow everything together into a perfect Mercedes. In the color and trim of our hearts' desire, no less.If there is one thing we know for certain, it is that without a controlling influence, all systems degenerate into chaos. The theories of the Big Bang and evolution propose the exact opposite, however - that chaos fostered perfection. Would it not be more reasonable to conclude that the Big Bang and evolution were controlled events? Controlled, that is, by the Creator?The Arabs tell the tale of a nomad finding an exquisite palace at an oasis in the middle of an otherwise barren desert. When he asks how it was built, the owner tells him it was formed by the forces of nature. The wind shaped the rocks and blew them to the edge of this oasis, and then tumbled them together into the shape of the palace. Then it blew strands of sheep's wool together into rugs and tapestries, stray wood together into furniture, doors, windowsills and trim, and positioned them in the palace at just the right ********s. Lightning strikes melted sand into sheets of glass and blasted them into the window-frames, and smelted black sand into steel and shaped it into the fence and gate with perfect alignment and symmetry. The process took billions of years and only happened at this one place on earth - purely through coincidence.When we finish rolling our eyes, we get the point. Obviously, the palace was built by design, not by happenstance. To what (or more to the point, to Whom), then, should we attribute the origin of items of infinitely greater complexity, such as our universe and our lives?Another classic argument for atheism focuses upon what people perceive to be the imperfections of creation. These are the "How can there be a God if such-and-such happened?" arguments. The issue under discussion could be anything from a natural disaster to birth defects, from genocide to grandmother's cancer. That's not the point. The point is that denying God based upon what we perceive to be injustices of life presumes that a divine being would not have designed our lives to be anything other than perfect, and would have established justice on Earth.Hmm … is there no other option?We can just as easily propose that God did not design life on Earth to be paradise, but rather a test, the punishment or rewards of which are to be had in the next life, which is where God establishes his ultimate justice. In support of this concept we can well ask who suffered more injustices in their worldly lives than God's favorites, which is to say the prophets? And who do we expect to occupy the highest stations in paradise, if not those who maintain true faith in the face of worldly adversity?I would hope that, by this line of reasoning, we can agree upon the answer to the first "big question." Who made us? Can we agree that if we are creation, God is the Creator?If we can't agree on this point, there probably isn't much point in continuing. However, for those who do agree, let's move on to "big question" number two - why are we here? What, in other words, is the purpose of life?The Purpose of LifeThe first of the two big questions in life is, "Who made us?" We addressed that question in the previous section and (hopefully) settled upon "God" as the answer. As we are creation, God is the Creator.Now, let us turn to the second "big question," which is, "Why are we here?"Well, why are we here? To amass fame and fortune? To make music and babies? To be the richest man or woman in the graveyard for, as we are jokingly told, "He who dies with the most toys wins?"No, there must be more to life than that, so let's think about this. To begin with, look around you. Unless you live in a cave, you are surrounded by things we humans have made with our own hands. Now, why did we make those things? The answer, of course, is that we make things to perform some specific function for us. In short, we make things to serve us. So, by extension, why did God make us, if not to serve Him?Our purpose, then, is to serve God. We receive this message from the prophets, as well as from scripture, but nowhere more clearly than in the Qur'an, the holy book of Islam: "And I [God] did not create the jinn and mankind except to serve/worship Me." (TMQ 51:56).Which brings us to the next point. If we acknowledge our Creator, and that He created humankind to serve Him, the next question is, "How? How do we serve Him?" No doubt, this question is best answered by the One who made us. If He created us to serve Him, then He expects us to function in a particular manner, if we are to achieve our purpose. But how can we know what that manner is? How can we know what God expects from us?Well, consider this: God gave us light, by which we can find our way. Even at night, we have the moon for light and the stars for navigation. God gave other animals guidance systems best suited for their conditions and needs. Migrating birds can navigate, even on overcast days, by light polarization. Whales migrate by "reading" the Earth's magnetic fields. Salmon return from the open ocean to spawn at the exact spot of their birth by smell, if that can be imagined. Fish sense distant movements through pressure receptors that line their bodies. Bats and the blind river dolphins "see" by sonar. Certain marine organisms (the electric eel being a high-voltage example) generate and sense magnetic fields, allowing them to "see" in muddy waters, or in the blackness of ocean depths. Insects communicate by pheromones, the trail of which guides them to food, and then home again. Plants sense sunlight and grow towards it (phototropism); their roots sense gravity and grow into the earth (geotropism). In short, God has gifted every element of His creation with guidance. Can we seriously believe he would not give us guidance on the one most important aspect of our existence, namely our raison d'etre - our reason for being? That he would not give us the tools by which to achieve salvation?Of course not. Hence, revelation.Think of it this way: Every product has specifications and rules. For more complex products, whose specifications and rules are not intuitive, owner's manuals are provided. These manuals are written by the one who knows the product best, which is to say the manufacturer. A typical owner's manual begins with warnings about improper use and the hazardous consequences thereof, moves on to a description of how to use the product properly and the benefits to be gained thereby, and provides product specifications and a troubleshooting guide whereby we can correct product malfunctions.How is that different from revelation?Revelation tells us what to do, what not to do and why, tells us what God expects of us, and shows us how to correct our deficiencies. Revelation is the ultimate user's manual, provided as guidance to the one who will use us - ourselves.In the world we know, products that meet or exceed specifications are considered successes whereas those that don't are … hmm … let's think about this. Any product that fails to meet factory specifications is either repaired or, if hopeless, recycled. In other words, destroyed. Ouch. Suddenly this discussion turns scary-serious. Because in this discussion, we are the product - the product of creation.But let's pause for a moment and consider how we interact with the various items that fill our lives. As long as they do what we want, we're happy with them. But when they fail us, we get rid of them. Some are returned to the store, some donated to charity, but eventually they all end up in the garbage, which gets … buried or burned. Similarly, an underperforming employee gets … fired. Now, stop for a minute and think about that word. Where did that euphemism for the punishment due to an underperformer come from? Hm … the person who believes the lessons of this life translate into lessons about religion could have a field day with this.But that doesn't mean these analogies are invalid. Just the opposite, we should remember that both Old and New Testaments are filled with analogies, and Jesus Christ taught using parables.So perhaps we had better take this seriously.No, I stand corrected. Most definitely we should take this seriously. Nobody ever considered the difference between heavenly delights and the tortures of hellfire a laughing matter.The Need for RevelationIn the previous two sections, we answered the two "big questions." Who made us? God. Why are we here? To serve and worship Him. A third question naturally arose: "If our Creator made us to serve and worship Him, how do we do that?" In the previous section I suggested that the only way we can serve our Creator is through obeying His mandates, as conveyed through revelation.But many people would question my assertion: Why does mankind need revelation? Isn't it enough just to be good? Isn't it enough for each of us to worship God in our own way?Regarding the need for revelation, I would make the following points: In the first part I pointed out that life is full of injustices, but our Creator is fair and just and He establishes justice not in this life, but in the afterlife. However, justice cannot be established without four things - a court (i.e., the Day of Judgment); a judge (i.e., the Creator); witnesses (i.e., men and women, angels, elements of creation); and a book of laws upon which to judge (i.e., revelation). Now, how can our Creator establish justice if He did not hold humankind to certain laws during their lives? It's not possible. In that scenario, instead of justice, God would be dealing out injustice, for He would be punishing people for transgressions they had no way of knowing were crimes.Why else do we need revelation? To begin with, without guidance mankind cannot even agree on social and economic issues, politics, laws, etc. So how can we ever agree on God? Secondly, nobody writes the user manual better than the one who made the product. God is the Creator, we are creation, and nobody knows the overall scheme of creation better than the Creator. Are employees allowed to design their own job descriptions, duties, and compensation packages as they see fit? Are all citizens allowed to write their own laws? No? Well then, why should we be allowed to write our own religions? If history has taught us anything, it is the tragedies that result when mankind follows its caprice. How many who have claimed to banner of free thought have designed religions that committed themselves and their followers to nightmares on Earth and damnation in the hereafter?So why isn't it enough just to be good? And why isn't it enough for each of us to worship God in our own way? To begin with, peoples' definitions of "good" differ. For some it is high morals and clean living, for others it is madness and mayhem. Similarly, concepts of how to serve and worship our Creator differ as well. More importantly and to the point, nobody can walk into a store or a restaurant and pay with a different currency than the merchant accepts. So it is with religion. If people want God to accept their servitude and worship, they have to pay in the currency God demands. And that currency is obedience to His revelation.Imagine raising children in a home in which you have set "house rules." Then, one day, one of your children tells you he or she has changed the rules, and is going to do things differently. How would you respond? More than likely, with the words, "You can take your new rules and go to Hell!" Well, think about it. We are God's creation, living in His universe under His rules, and "go to Hell" is very likely what God will say to any who presume to override His laws with their own.Sincerity becomes an issue at this point. We should recognize that all pleasure is a gift from our Creator, and deserving of thanks. If given a gift, who uses the gift before giving thanks? And yet, many of us enjoy God's gifts for a lifetime and never give thanks. Or give it late. The English poet, Elizabeth Barrett Browning, spoke of the irony of the distressed human appeal in The Cry of the Human:And lips say "God be pitiful,"Who ne'er said, "God be praised."Should we not show good manners and thank our Creator for His gifts now, and subsequently for the rest of our lives? Don't we owe that to Him?You answered "Yes." You must have. Nobody will have read this far without being in agreement, but here's the problem: Many of you answered Yes, knowing full well that your heart is not in the Bible. Or perhaps it is in the Bible, but not entirely. You agree we were created by a Creator. You struggle to understand Him. And you yearn to serve and worship Him in the manner He prescribes. But you don't know how, and you don't know where to look for the answers. And that, unfortunately, is not a subject that can be answered in an article. Unfortunately, that issue has to be addressed in a book.By Dr. Laurence B. Brown