23% Jan Dhan accounts still without balance.....

DESPITE a huge surge in total deposits in Jan Dhan accounts following demonetisation, about one-fifth of these still continue to have no balance.
    Net addition in the 25.8 crore Jan Dhan accounts was just Rs 288 crore during the week ended on december 7, taking total deposits to about Rs74,610 crore.
   The percentage of zero balance account, however, remained flat at about 22.9per cent despite the addition of Rs 29,000crore in total deposits in about 30 days after demonetisation of high value notes took effect on November 9.
  After the initial surge, total deposits in Jan Dhan accounts have seen decline week after week. As much as Rs 1,487 crore was parked in these accounts during 7 daysended November 30, as against Rs 8,283 crore in the previous week. The accretion was Rs 18,615.54 crore a week after demonetisation which moderated to less than half to Rs 8,582.57 crore during the 7 day period of November 17 to 23. Deposits in the 25.8 crore such accounts totalled Rs 74,609.50 crore at the end of December 7, as per the Finance Ministry data. The upper limit for deposits in Jan Dhan account is Rs 50,000. The overall amount was Rs 72,834.72 crore in 25.68 crore accounts at the end of November 23.
   After Prime Minister Narendra Modi surprised entire nation with demonetisation of Rs 500 and 1,000 notes on November 8, deposits in Jan Dhan accounts have increased by 28,973 crore. As of November 9, the balance in about 25.5 crore such accounts was Rs 45,636.61 crore. The aggregate deposits increased to Rs 64,252.15 crore in a week ended November 16.
  Last week, the government said that inflows into Jan Dhan accounts have come down significantly after it warned people not to allow their accounts to be misused for converting black money into white. After setting a cash deposit limit of Rs 50,000 in Jan Dhan accounts, the Government had on November 18 cautioned account-holders that they will be prosecuted under the I-TAct for allowing misuse of their bank accounts through deposit of black money in Rs 500/1,000 notes during the 50 day window till December 30.

Cool cool!!!!

Wlcm!!!!! To winter season😙

It is the coldest season of the year in some parts of the northern and southern hemisphere, this season is characterized by falling snow and freezing cold temperatures, usually exacerbated by strong winds. The season which usually lasts about three months is caused by the winter-stricken area being farthest away from the sun in the earth’s orbit around it.

                                               Most schools take breaks during this period, whilst business in offices slows and schedules are rearranged according to the whims of the season. Around this time, the days are short and nights longer, this usually reverse slowly as the season progresses. The sun comes out very late on winter mornings and when it does is not hot.

People rarely come outdoors until daylight; most sit indoors by the fireside in the mornings and evenings. Everyone sees the essence of the weather report during winter, this service assumes added importance as the information they present can be the difference between having proper protective clothing and freezing to death, knowing if the roads would be navigate-able tomorrow morning, or if the night’s blizzard has called off engagements on their behalf.

Most people wake up to shovel snow out of their paths on winter mornings. On some particularly severe occasions, snow and strong winds has blocked roads and grounded flights, even frozen rivers for days, week and months.

People clothe themselves in thick apparels during winter to ward off the cold and keep their bodies warm, over the year’s winter clothing has evolved, today styles and designs are incorporated into them, far from the tattered animal skin that early man in these areas used to protect himself from the same grim weather.

 winter affected areas of the world, several outdoor and sporting activities have been designed to take advantage of the weather and give the people a chance to exercise and bring themselves some joy. These activities, taken as tradition and practiced at every winter (some depending on the ice level) includes; curling, ice skating, ice racing, ice sculpture, ice hockey, ice fishing, ice climbing, ice boating and more.

Plants and animal life respond to winter in varying ways. Some animals such as birds migrate when the winter season is approaching and only return during the summer, this is to ensure food supply as most of their food sources freeze in the winter.

Others go into hibernation, a state resembling sleep where the animal remains inactive, usually housed in a shell, remaining so until summer arrives. Some animals profusely gather and store food, in preparation for winter months when the sources are dead and gathering impossible. In response to the weather most animals have also adapted themselves, by developing thick furs that keep them warm during this season, others such as the snowshoe hare changes colour to white and becomes indistinguishable from the snow as a survival tactic.

Whilst some plants completely die off in winter, others actually need the season to complete their life cycle. Some plants buried in snow are as a result insulated by it and survive the weather, some trees lose all their leaves during this season, but their roots are active, protected by the thick layers of snow that covers the earth surface.

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Winter is also a time of fruits, many fruits such as guava and oranges as well as many vegetables become available during winter. Often times people complain of winter, cursing the cold and praying for the summer, but if we did not have winter, can we truly appreciate summer and vice versa?