There are no free lunches. This is more so in global interactions where all nations have their interests to further. Countries operate through trade and business in a straightforward manner in pursuit of their interests but there are other ways too. One way is the charity and aid to NGOs and developmental agencies. This apparently looks innocuous and humanitarian but often has a hidden purpose behind it. At times the long term interests of the agency of a donor country is to influence the policy of the other country. In some cases it’s a way to push businesses and policies that suits the donor country. While in some cases, the recipient agencies are influenced to create trouble at home. The process is subtle and gradual and operated by the Deep State. In fact the funding NGOs and other charitable organizations is part of a psychological operation against the host country and the full scale of the outcome is seen only after the disaster.

India with a full-fledged democracy and open society has been the target of many countries and agencies. It was an open secret that many spy agencies have been working through some individuals and NGOs to, at times, discredit the Indian government and leaders and create mayhem in the country. With India rising as an economic powerhouse, these attacks are likely to increase and intensity. The purge is a must. So, it’s in this context that the Narendra Modi government has tightened the norms for NGOs and civil agencies receiving the foreign aid under the provisions of the Foreign Contribution (Regulation) Act (FCRA). India cannot afford this tamasha of raising fifth columnist and keeping mum in the name of democracy and free speech. All the licenses under FCRA would be reviewed. Home Minister Amit Shah put it out appropriately by saying that the Narendra Modi government functioned on “high-accountability’ and nation-first’ principles”, not on the erstwhile UPA government’s “low-trust policy” and is hence duty bound to regulate foreign funds

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The Himalayan Mail, Jammu July 10: The Pension Fund Regulatory and Development Authority (PFRDA), in collaboration with the J&K Union Territory Level Bankers’ Committee (UTLBC) and the Lead District Manager (LDM), Jammu, organised an Atal Pension Yojana (APY) Outreach Programme at Jammu on Friday to strengthen social security and financial inclusion by expanding pension coverage among workers in the unorganised sector.

The programme was attended by senior officials from PFRDA, UTLBC, banks, government departments, financial institutions, Business Correspondents and other stakeholders. The focus remained on enhancing awareness about APY, increasing enrolment under the scheme and improving grassroots outreach.

Addressing the gathering, AGM, PFRDA, Ruby Vinayak Bhaosagar stressed the need for stronger field-level engagement and sustained awareness campaigns to ensure every eligible citizen benefits from the affordable pension scheme. Dy General Manager, J&K UTLBC, Syed Aadil Bashir Andrabi, highlighted the importance of coordinated efforts by banks to expand APY coverage among the unorganised workforce.

Officiating DGM, SBI, Chander Mohan Bhat, underlined the banking sector’s role in the successful implementation of APY, while Assistant Commissioner Sania Haq Khan, JKAS, called for greater institutional coordination to widen the scheme’s reach.

Manager, PFRDA, Nishant Anand delivered a detailed presentation on the scheme’s features, benefits and enrolment process. Participating banks also facilitated on-the-spot enrolment of new subscribers and shared best practices to improve implementation.

Several banks were felicitated for their outstanding performance in APY enrolment and coverage. The programme concluded with a vote of thanks by DGM and Zonal Head, J&K Bank, Chandrika Parihar, who appreciated the contributions of all participating organisations and stakeholders in making the event successful.

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The Himalayan Mail, Srinagar, July 10: J&K Bank, as the Convener of the Jammu & Kashmir Union Territory Level Bankers’ Committee (UTLBC), on Friday organised the Mega Financial Inclusion Saturation Campaign–2026 in collaboration with the Reserve Bank of India (RBI) at the Government College of Education, Srinagar, under the theme “Together Towards Financial Empowerment.”

The programme was attended by Chief General Manager-in-Charge (FIDD), RBI, Nisha Nambiar, Regional Director RBI (Jammu) Chandrashekhar Azad, ADDC Srinagar Rifat Aftab Qureshi, J&K Bank Chief General Manager Imtiyaz Ahmed Bhat, General Manager (UTLBC/FID) Khursheed Muzaffar, senior government officials, representatives of member banks, Banking Correspondents, students and members of the public.

Addressing the gathering, RBI Chief General Manager Nisha Nambiar urged people to become enlightened banking citizens by completing Re-KYC formalities and adopting safe digital banking practices. She said financial awareness enables people to make informed decisions regarding savings, insurance and digital transactions while protecting themselves from cyber fraud. She also encouraged participants to spread awareness so that no eligible beneficiary is left out of government-backed financial inclusion schemes.

Earlier, she visited various stalls set up by banks and interacted with Banking Correspondents, appreciating their efforts in extending banking services to remote areas and stressing the need for speedy completion of pending Re-KYC cases.

Welcoming the participants, J&K Bank Chief General Manager Imtiyaz Ahmed Bhat said financial inclusion goes beyond opening bank accounts and aims to provide every citizen access to savings, insurance, pensions, digital payments and government welfare schemes. He highlighted that Jammu and Kashmir now has over 25 lakh Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts supported by more than 16 lakh RuPay debit cards. During the last financial year, banks opened 1.57 lakh new PMJDY accounts, while enrolments under PMSBY, PMJJBY and APY registered significant growth.

ADDC Srinagar Rifat Aftab Qureshi reaffirmed the district administration’s commitment to supporting financial inclusion initiatives to ensure the benefits of government-backed schemes reach every eligible household.

Regional Director RBI (Jammu) Chandrashekhar Azad said nearly 60 per cent of bank accounts in Jammu and Kashmir have completed Re-KYC, urging customers to update the remaining accounts without delay. He also encouraged citizens to use the RBI’s UDGAM Portal to locate and claim unclaimed deposits and appreciated J&K Bank for organising the campaign in its role as UTLBC Convener.

The campaign focused on enrolment under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY), activation of inoperative PMJDY accounts, generation of pending CKYC IDs, nomination updates, completion of Re-KYC formalities, opening of PMJDY accounts for uncovered adults, and creating awareness on digital banking and cyber fraud prevention.

General Manager (UTLBC/FID) Khursheed Muzaffar proposed the vote of thanks, expressing gratitude to the RBI, district administration, participating banks, government departments, Banking Correspondents and all stakeholders for making the campaign successful.

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Wake Up Early

Waking up earlier gives you extra time to focus on yourself before the world demands your attention. Try setting your alarm 15 minutes earlier each day until you reach your desired wake-up time.

Drink Water First

After 7-8 hours of sleep, your body is dehydrated. Start your morning by hydrating with a glass of water, preferably with a slice of lemon for an extra boost.

Stretch or Do Light Exercise

Start your day by waking up your muscles. A 5-10 minute stretch or a quick walk can do wonders to boost your energy and focus.

Eat a Healthy Breakfast

A healthy breakfast fuels your body and provides the necessary nutrients to kickstart your day. Avoid sugary cereals and try oatmeal, eggs, or a smoothie instead.

Plan Your Day

Take a few minutes to review your to-do list or set your intentions for the day. This helps you prioritize tasks and mentally prepare for what’s ahead.

Practice Gratitude

Write down three things you’re grateful for. This practice boosts your mood and sets a positive tone for the day.

Avoid Technology

Try to avoid checking your phone or social media first thing in the morning. Instead, focus on your routine and give yourself time to wake up fully.

Get Ready for the Day

Getting dressed, even if you’re working from home, helps signal to your brain that it’s time to be productive.

Start small with one or two habits, and gradually build from there. Consistency is key when it comes to creating a successful morning routine.

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Fashion Week:

Paris is a global fashion capital, and Fashion Week in Paris is a highly anticipated event. Renowned designers and fashion houses unveil their latest collections, showcasing cutting-edge designs and trends.

Art Exhibitions at the Louvre:

The Louvre Museum, one of the world\’s largest and most visited museums, hosts art exhibitions that feature masterpieces from different periods and cultures. The sheer beauty and historical significance of the artworks make these events captivating.

Paris Air Show:

This prestigious aerospace event takes place at Le Bourget Airport. It\’s a platform for showcasing the latest advancements in aviation and aerospace technology, featuring breathtaking air displays and demonstrations.

Paris Jazz Festival:

Held in the Parc Floral de Paris, this annual festival celebrates the beauty of jazz music. Musicians from around the world gather to perform, creating an enchanting atmosphere for music lovers.

Paris Opera Ballet Performances:

The Opéra Garnier and Opéra Bastille host ballet performances by the Paris Opera Ballet, known for its world-class dancers and captivating productions. The choreography, costumes, and music contribute to the beauty of these performances.

Paris Fashion and Design Festival:

This event celebrates the intersection of fashion and design. It includes exhibitions, workshops, and installations, showcasing the creativity and innovation of designers.

Christmas Lights and Markets:

During the holiday season, Paris transforms into a magical winter wonderland. The city\’s iconic landmarks are adorned with festive lights, and Christmas markets offer beautiful crafts and seasonal treats.

Paris Marathon:

The Paris Marathon is not only a sporting event but also an occasion where thousands of participants run through the city\’s iconic streets, providing a unique and visually stunning experience.

These events contribute to the vibrant tapestry of Paris, highlighting the city\’s commitment to art, culture, innovation, and celebration. The beauty and amazement found in these events reflect the city\’s enduring appeal as a global cultural hub.

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Communication is Key:

Open and honest communication is crucial. Share your thoughts, feelings, and concerns with your partner, and encourage them to do the same. Active listening is equally important to understand each other better.

Quality Time Together:

Spend quality time with your partner. Whether it\’s going for a walk, enjoying a meal together, or engaging in shared hobbies, creating moments of connection strengthens your bond.

Express Gratitude:

Regularly express gratitude for the little things your partner does. Appreciation and acknowledgment can go a long way in making your partner feel valued and loved.

Kindness and Respect:

Treat your partner with kindness and respect. Simple acts of kindness, such as saying \”please\” and \”thank you,\” contribute to a positive and respectful atmosphere.

Shared Goals and Values:

Discuss and establish common goals and values. Knowing that you are working towards a shared future can strengthen your connection and sense of unity.

Celebrate Milestones:

Celebrate important milestones and achievements together. Whether it\’s an anniversary, personal accomplishment, or a shared success, take the time to acknowledge and celebrate each other.

Support Each Other:

Be supportive during both good and challenging times. Knowing that you have each other\’s back creates a sense of security and trust in the relationship.

Maintain Independence:

While spending time together is essential, it\’s also important to maintain individual identities and interests. Encourage each other to pursue personal goals and hobbies.

Resolve Conflicts Constructively:

Disagreements are a natural part of any relationship. When conflicts arise, address them calmly and constructively. Seek solutions together and avoid blame or resentment.

Cultural Sensitivity:

Be aware of cultural differences and sensitivities, especially in a diverse country like the USA. Understanding and respecting each other\’s cultural backgrounds can enhance your connection.

Professional Support:

If needed, consider seeking professional support through couples counseling. A neutral third party can provide guidance and facilitate communication.

Adventure and Fun:

Keep the relationship dynamic by introducing new experiences and having fun together. This can range from trying new activities to traveling to different places.
Remember that every relationship is unique, and these tips can be adapted to fit the specific dynamics of you and your partner. The key is to invest time and effort into nurturing a strong and positive connection.

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