Monday, August 21, 2017

World Chocolate Day 2017: 6 Reasons Why Chocolate Is Good For You



 July 7 is celebrated as World Chocolate Day and this gives us just another reason to relish chocolates. The world loves chocolates. Whether you are happy, sad, celebrating something, want to gift something- chocolates are what most of us prefer. For some health conscious people, chocolate may be synonymous with calories. However, some researchers from University of California in San Diego suggested in one of their surveys that eating chocolate will actually help you to stay thin. The study says people who have chocolate more often usually have a lower BMI (body mass index) than people who don’t. Now isn’t that great news? Well we have some more for you. So, on the occasion of World Chocolate Day 2017, here are 5 other health benefits of chocolates. Indulge in some more chocolates this season.



Types of Chocolate

Chocolate Liquor
Unsweetened Chocolate
Bittersweet Chocolate
Sweet Chocolate
Milk Chocolate
White Chocolate
Ground Chocolate
Baking Chocolate
Chocolate Coating
Single Bean Chocolate
Cocoa Butter
Chocolate Extract
Chocolate Oil


It reduces stress

In a study that was conducted some years back, people with anxiety were given chocolates to eat (about 40 grams) for two long weeks. These people confessed on experiencing lower stress levels. Chocolate has bio active compounds that activates brain receptors and increases anandamide which is responsible for your stress to reduce. So if you are feeling low or in stress, just eat a bar of dark chocolate than eating ice cream.

Reduces risk of heart diseases

Eating chocolates often prevents clotting of blood that reduces your risk of developing any heart diseases. Dark chocolate has antioxidants that helps in increasing the flexibility of your arteries and veins.

Reduces risk of a stroke

If you eat about 45 grams of dark chocolate every week, you reduce your chances of a stroke by 20 per cent. This was confirmed by a study done recently. Chocolate has flavonoids that helps the body in fighting strokes.

 dark chocolate 

Reduces type 2 diabetes risk

The general notion about diabetes is that you should be low on sugar or anything sweet since it puts you at an increased risk of diabetes and will also increase your weight. However, some researchers recently found out that if you have dark chocolate for a long time, you will be at a reduced risk of Type 2 diabetes. This study was published in the European Journal of Clinical Nutrition. This study hasn’t explained how this works, but some experts have said that it is because chocolates enhance your insulin sensitivity which is a good thing to prevent Type 2 diabetes.

dark chocolate 2 

Gives relief from diarrhea

Treating diarrhea with coca has been a practice since the 16th century in Europe and South America. And according to modern science, this treatment is indeed effective.  Cocoa flavonoids helps in curing diarrhea by regulating fluid secretion in the small intestine.

These are the top 6 health benefits of having a chocolate. However do not just over-indulge in any chocolate. Always look for dark chocolates because that’s what works the best.

Photographs: Shutterstock

Saturday, August 19, 2017

How to Transfer Money From Paytm to Bank Account

How to Transfer Money From Paytm to Bank Account


  • Paytm users can transfer money from Wallet to accounts via app & website
  • Paytm merchants need to do KYC to transfer large sums
  • Consumers can transfer amounts up to Rs. 5,000 at a time without KYC
Paytm has become the go-to digital payments app for many people in India after the demonetisation drive, and the company has added thousands of merchants to its platform within days of Prime Minister Narendra Modi’s announcement of scrapping Rs. 1000 and old Rs. 500 currency notes. From vegetable vendors to grocery stores, everyone is joining the Paytm cashless payments platform.

But there has been some confusion regarding what happens after a merchant receives a payment from a customer via Paytm. How should merchants transfer money from their Paytm Wallet to bank accounts? Scroll down to find out the simple process to transfer money from your Paytm to bank accounts.

In order to transfer money from your Paytm wallet to a bank account, you need the name, account number, and IFSC code of the bank account holder. However, there is a Rs. 20,000 limit on transactions (Rs. 50,000 for merchants) if you haven't got your KYC (Know Your Customer) process done. if you need to transfer more than the limit, then you will need get in touch with Paytm to get your KYC done.

Doing so is also quite simple: first find a Paytm KYC centre close to you, and provide the relevant RBI-approved documents (Aadhar card, passport, voted ID card, driving license, or NREGA job card). You can also type in your Aadhaar number, and then request a visit at your address. While the PAN card number is not necessary, it becomes mandatory if you want to transfer more than Rs. 50,000 in a single transaction. You can conduct unlimited transfers after the KYC is done.

The KYC process can take up to 48 hours, but you can shorten it by providing Aadhar card as proof of identity as the biometric verification “results in instant completion of process,” says Paytm.

How to transfer money from Paytm to any bank account using Paytm app

  1. Open the Paytm app on your smartphone and tap the Passbook icon
  2. Here, select the Send Money to Bank option
  3. Tap on Transfer
  4. Enter the amount, account holder’s name, bank account number, and IFSC code
  5. Hit the Send button
 Paytm bank transfer   app how_to_transfer_money_from_paytm_wallet_to_bank_account 

How to transfer money from Paytm Wallet to bank account using Paytm desktop website

  1. Open website and login to your account
  2. Roll the mouse cursor over your name at the top-right of the screen and click on Paytm Wallet
  3. In this window, select the Transfer to Bank option and type in the requisite details
  4. Hit the Send Money button
 Paytm bank transfer   desktop how_to_transfer_money_from_paytm_wallet_to_bank_account 

If you are a new Paytm user without KYC, you have to wait three days to transfer money from your Paytm Wallet to bank account. On the other hand, those who have completed the KYC process can start bank transfers immediately.

Transferring money from your Paytm Wallet to bank account was free of charge till December 31 for merchants who have done KYC, but not anymore - users have to pay a fee of 2 percent now. You can send a minimum of Rs. 100 to your bank account via the service. Every Paytm users can transfer up to Rs. 5,000 at a time, with 25,000 per month the limit. If you are a merchant, you can transfer up to Rs. 50,000; with the limit going up to Rs. 1 lakh if you are a user who's done his or her KYC.

Check out our similar guides for MobiKwik and FreeCharge.

What Is Paytm, and How to Use Paytm Wallet?

What Is Paytm, and How to Use Paytm Wallet? 
  • Paytm Wallet can be used to buy goods and avail services online & offline
  • Paytm Wallet can be recharged via netbanking and debit & credit cards
  • Your Paytm Wallet can have up to Rs. 10,000; do KYC for higher limit


Since Prime Minister Narendra Modi announced the demonetisation of the Rs. 500 and Rs. 1,000 notes, Paytm and other mobile wallets have enjoyed tremendous growth. The lack of cash in hand and long lines have made digital wallets a necessity for the common man - at least those with smartphones - propelling the likes of Paytm to the top of the user’s mind.

Paytm claims to have over 150 million users, making it the biggest online payments platform in the country. Despite this, there are many more in India who are yet to use Paytm and its digital wallet. Are you too confused about what is Paytm, how Paytm works, and what you can do with it? Then read this guide to using Paytm.

What is Paytm?

Paytm, owned by One97 Communications, is a digital payments platform that allows you to transfer cash into the integrated wallet via online banking, debit cards, and credit cards, or even by depositing cash via select banks and partners. Using the money in the Paytm wallet, you can pay for a number of goods without using cash.

Among the transactions you can make on Paytm are recharges for mobile phones, metro cards, DTH cable, data cards, etc, as well as postpaid payments for mobile phones, landline/ broadband, electricity, water and gas bills, etc. You can also book tickets for buses, trains, flights, movies, hotel rooms, etc. and pay for Uber cab rides using the platform. Additionally, you can buy goods on the company’s e-commerce platform using the wallet, and even make offline payments at over 8 lakh merchants, Paytm claims.

What is Paytm Wallet?

Paytm Wallet, as mentioned above, is the digital payment instrument where you can transfer money from your bank account or credit card to use for transactions on the platform. You need to set up an account using your mobile phone number and email ID to setup a Paytm account and transfer cash to the wallet. You can add up to Rs. 10,000 in a month in the Wallet; if you want to increase the monthly limit, then you can get the KYC (Know Your Customer) processor done. With this, you can have up to Rs. 1 lakh in the Paytm Wallet at any point of time.

How to use Paytm and Paytm Wallet?

In order to use the Paytm Wallet and transact cash-free, follow the steps below:
  1. Set up a Paytm account using your mobile number and email ID
  2. Add some money to your Paytm Wallet using netbanking, debit card, or credit card
  3. To transfer money to someone else, select the 'Pay or Send' option
  4. You can make payments to others or to bank accounts on Paytm by scanning a QR code
  5. Alternatively, you can send money to another Paytm user via their phone number

How to use Paytm for offline payments?

You can make cash-less payments using Paytm Wallet even without internet connectivity. If a retailer accepts Paytm as a mode of payment, you can either use QR codes or bar codes, along with a One-Time Password (OTP) to pay them. To do this, you need to open the app, select the ‘Pay or Send’ option, and choose between QR code or bar codes (provided in two separate tabs). Just scan the code and enter the OTP to authorize the payment offline. This feature can be especially useful right now, when the whole country is facing a cash crunch and internet connectivity is still not good enough to facilitate online transactions.

Is Paytm Wallet safe?

Security is top of everyone's mind when it comes to any digital, but Paytm – which is an RBI-approved wallet – says it keeps the money you put in the Wallet is “protected under Escrow account with a reputed bank.” Paytm uses Verisign-certified 128-bit encryption technology, which means that the secret key used in transactions is a sequence of 128 bits and does not reveal anything about the password length or contents. The platform is PCI DSS 2.0 certified, which means it does not store credit card data in unencrypted form.

What are some alternatives to Paytm?

While Paytm is the dominant player in the digital payments space, others are not too far behind either. Snapdeal-owned  FreeCharge, MobiKwik, Ola Money, and PayUMoney are other names in this segment that are popular too, each with its own distinguishing feature. Read our in-depth comparison of mobile wallets available in India.


Wednesday, August 16, 2017

What’s the Internet ‘game’ killing young people worldwide?( BLUE WHALE GAME)

India has asked top Web firms to take off links to ‘Blue Whale Challenge’, a mysterious ‘game’ in which shadowy ‘curators’ egg young players on to commit suicide. Well over 100 suicides around the world have been blamed on the challenge.

 blue whale challenge, blue whale death, what is blue whale challenge, pink whale challenge, baleia rosa, blue whale challenge, blue whale suicide game, whale challenge tasks, blue whale challenge deaths, india news, indian express 

Over the past few months, an Internet “game” called the ‘Blue Whale Challenge’ has been blamed for the deaths of well over 100 young people in countries around the world — including at least five teens in India. The government has now asked Internet majors like Google, Facebook, WhatsApp, Instagram, Microsoft and Yahoo to “immediately remove” links of “this deadly game” from their platforms. The Ministry for Women and Child Development tweeted this week that Minister Maneka Gandhi had sought the intervention of Home Minister Rajnath Singh and IT Minister Ravi Shankar Prasad to remove the challenge from social media, and appealed to “parents & elders to monitor the activities of children & dissuade them from falling prey to such challenges”.

  Image result for Blue Whale Challenge’, 


What is the Blue Whale Challenge?

In the Blue Whale Challenge, also called the Blue Whale game, a group of administrators or a curator asks online participants to complete daily tasks over a 50-day period. Some of these tasks are boring (listen to music sent by curators); some are weird or dangerous (cut your lips, poke your hand with a needle). Participants must share proof — photos — of having completed the challenges/tasks. The 50th task is literally the final — participants have to kill themselves. Read | Kerala: Mother suspects Blue Whale 3 months after son’s suicide

 Image result for Blue Whale Challenge’, 

Is the game available for download?

This isn’t a game you could download from an app store. Users might download an APK sent by an administrator, or by clicking a link on social media platforms such as Instagram or Facebook. Hashtags like #bluewhalechallenge, #curatorfindme, #i_am_whale are seen as signals from, and for, the anonymous curators. On Instagram, users clicking the #bluewhalechallenge or searching for the ‘game’ are being shown a warning: “Posts with words or tags you’re searching for often encourage behaviour that can cause harm and even lead to death. If you’re going through something difficult, we’d like to help.”

 Image result for Blue Whale Challenge’, 

What evidence is available to link a suicide to the challenge?

While deaths in many countries are being attributed to the ‘game’, independent verification is yet unavailable. The links are usually claimed by family or friends of the suicide victim who claim to have seen the victim perform the tasks. India has reported at least five deaths, the latest being in Kerala. In Russia, over 130 deaths have been attributed to the ‘game’, and at least two individuals have been arrested in connection. In Europe and America, both school authorities and police have begun issuing advisories to parents, making them aware of the ‘game’ and urging them to be vigilant.

 Image result for Blue Whale Challenge’, 

Who are the targets of the ‘game’?

The question everyone is asking is why a teenager — or anyone else — would want to take part in a game of death, or even take up such challenges. Experts suggest that the gamers’ victims are of impressionable age, and seeking “validation from the world around”. There have been reports that those who try to quit some way through the ‘game’ are threatened. A correspondent of the US government-funded Radio Free Europe/Radio Liberty who signed up for the challenge posing as a 15-year-old was told “they will come after you” when the undercover reporter asked what happened to those who quit. Read | Blue Whale challenge: These are the 5 suspected cases in India

Image result for Blue Whale Challenge’, 

And what is the so-called ‘Pink Whale Challenge’?

This game is the opposite of the Blue Whale suicide challenge, and “encourages positive and generous acts and attempts to bring happiness in the participant’s daily life”. Conceived in Brazil, the challenge has Facebook and Instagram pages with over 3,40,000 followers taking the positive challenges. The challenge, called Baleia Rosa, was started in April, and has daily ‘good’ tasks. The project is now aided by the Government of São Paulo state in Brazil. Apart from the social media platforms, the challenge can be accessed via and a free smartphone app for Android and iOS. The administrators say they want to prove that the Internet can be used to viralise the good. Read | Pink Whale Challenge emerges as option to counter Blue Whale suicide challenge

Msg.Source from Indian Express.