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Hajj 2018: When does Hajj start? Who performs Hajj and where is pilgrimage?

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THE PILGRIMAGE to the holy city of Mecca for the Hajj begins shortly for millions of Muslims, as they convene in the holiest place in Islam in Saudi Arabia. Here is everything you need to know about the annual pilgrimage.

Hajj begins on Sunday, August 19 and ends in the evening of Friday, August 24.

The pilgrimage is mandatory for all Muslims to complete at least once in their life if they can afford to go and are able bodied.

The Hajj pilgrimage is performed in the last month of the Islamic calendar – Dhul-Hijjah.

The purpose of the pilgrimage is to get closer to Allah and Muslims from all over the world have the opportunity to interact with each other.

Muslims flood to the holy city of Mecca in Saudi Arabia for the five-day pilgrimage.

Mecca is where Muhammad, the prophet who founded Islam, was born and where he received the first revelation of the Koran.

Pilgrims visit the Grand Mosque to praise Allah before the Ka’aba – Islam’s most sacred building.

Hajj is one of the fifth and final pillar of Islam.

Hajj 2018: Around two million Muslims will flock to Mecca for the annual pilgrimage

During the pilgrimage, pilgrims wear simple white clothes called Ihram.

One aspect of Hajj is that it removes all markers of class, wealth and materialism, which is why everyone dresses in simple cloth for the duration of the pilgrimage.

Hajj begins on the 8th day of Dhul-Hijjah, this is followed by the Day of Arafah and Eid al-Adha on the 10th day – Islam’s holiest festival and the day of Tashriq.

Muslims on Hajj are forbidden from having sex, proposing marriage, cutting their hair or nails and killing animals.

They believe that the Prophet Abraham built the Ka’aba with his son Ismael, which is at the centre of the Al-Masjid al-Haram mosque in Mecca.

Muslims walk around the Kaaba seven times as part of the Hajj pilgrimage.

Muslims face to pray in the direction of the Ka’aba no matter where they are in the world.

To be completed, the Hajj requires a minimum of five days during which pilgrims travel across Saudi Arabia to complete various rituals.

Hajj 2018: Muslims walk around the Kaaba seven times as part of the Hajj pilgrimage

Each year around two million Muslims flock to the Holy city for the pilgrimage.

According to the Saudi Arabian Embassy, the Hajj is the largest gathering of human beings on the Earth.

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Education

Essay Writing: All You Need To Know

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The first step to write an excellent essay is to plan, understand the question, research and gather relevant information and come up with a skeleton plan. You should also have in mind about the word limit you intend to write. In this article, you will learn on the guidelines for writing essays and the common mistakes you need to avoid.

Structuring Essay

To make an excellent essay, you need to write it in a natural manner where all your sentences flow logically. Besides, you will also need signposts that will guide the audience. For an essay to be complete, it has the following format:

  1. Introduction
  2. Body
  3. Conclusion
  4. References
  1. Introduction

The role of this introduction is to ensure you introduce the subject. Here, you will explain the way you understand your question and therefore describe the way you plan to deal with it.

You can start where you define essential terms, provide a brief history, personal context when appropriate and the significance of the subject. You should avoid lengthy introduction because it will limit the available number of words for the assignment.

The best introductions are short and brief. They should be one or two paragraphs that are brief to the point. You will find some people starting with a provisional introduction and then rewrite after completing their first essay draft. So that you can write a tentative selection, you will ask yourself whether your audience wants to know so you can follow the subsequent discussion.

  1. Body

An excellent essay will generally be a blend with researched evidence and comment. Some essays require a catalog of factual sources or summaries of other people’s viewpoints, philosophies, attitudes, and thoughts.

Besides, other people will express only their personal opinions and therefore lacking or little evidence. They might also take essay examples from other writer and support their views. The essential thing to do is to balance between your analysis and other researchers on the subject. It is, therefore, necessary if you back up your points from your experience and findings from other writers and researchers.

When you are writing other peoples researches, you will need to cite them. What is important is that you will need to illustrate or quote the material by providing evidence to the points you make and depends on the essay type.

Avoid using quotations to substitute your words. For a quote, let it be an explanation using your words and show the significance to the argument. When citing another author’s test, ensure you indicate your evidence in the reference. When done, provide a full list of your references at the end.

Conclusion

When you complete an essay, you need to write a short conclusion. The conclusion should sum up your argument or comparison of your viewpoints. You should what you accomplish or learned and also mention the questions that you have left open. You should not summarize your argument entirely.

References

In a different page, you will need to include a list of references or bibliography. When you don’t reference correctly, then you will get the accusation of plagiarism. When you indicate another author’s text, then you will need to show where you get your evidence in a reference. Besides, even other documents that you read so that you can contrast your argument, ensure you reference them too.

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Health

The Affordable Care Act Led To Gains All Across The Healthcare Industry

Medicare Advantage brought insurers millions of taxpayer-subsidized customers.

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The earnings and stock prices of healthcare companies have soared since former President Obama signed the Affordable Care Act into law in 2010.

Despite gloomy predictions, the Affordable Care act boosted the healthcare industry. Take Medicaid and ACA marketplace insurers, for example, Centene’s stock price has multiplied by 12 times or 1,100%. Shares of UnitedHealth Group have also increased by more than 700%.

Medicare Advantage brought insurers millions of taxpayer-subsidized customers.

While they struggle with a 2.3 percent tax put in place in 2013, the medical device industry created more jobs.

Thanks to ACA, executives in healthcare took home average yearly earnings of $20 million since 2010. Their compensation included salary, bonuses, stock, perks, and retirement funds.

In addition, ACA has spurred massive innovation in healthcare with the help of startups and retail giants like Apple and Samsung, that launched breakthrough therapies, digital devices, and apps, revolutionizing healthcare trends.

Eight years later, ACA’s efficiency is still being validated by health leaders and lawmakers who recently fought back Trump administration’s attacks on the health law. In August this year, four cities sued the administration after it announced new short-term healthcare plans to roll back restrictions of ACA.

Read more about the top healthcare startups in the industry here!

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Business

Tips To Make The Best Use Of A Personal Loan For Chartered Accountants

Chartered accountants provide vital support to streamline the financial management of a firm.

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Chartered accountants provide vital support to streamline the financial management of a firm. They are the essential cogs in the wheel of every business or enterprise to plan, streamline and execute targets right from the monetary basics.

As a CA, you are a strong mediator for balanced financial administration and supervision to ensure a sound financial future. Availing a personal loan for chartered accountants has to be a pre-planned step with financial positives. But instead of a typical business audit, these loans are supposed to be for your personal life.

As per ICAI, there are more than 2.5 Lakh CAs in India. With the current average remuneration for CAs around 7 LPA, you are already among the highest salary medians by profession. Higher income slabs directly translate into a better FOR, but not necessarily a better CIBIL score. The latter has more to do with proper repayment of loans with sound financial management, an obvious expectation from a CA like you.

Either way, here are some tips to make the best use of a personal loan for chartered accountants: –

  • A vacation –

There’s a whole world beyond your home, your workspace and whatever is in between. Get out and have a look. Take a month-long trip to Europe or the Caribbean. Get a taste of a life outside your 24×7 schedule. Don’t think about the expenses. Let your personal CA loan cover it for you.

Personal loans are unsecured. So, you do not need to put your personal assets as collateral to go for your dream vacation. Most importantly, these loans are easy to avail with minimal documentation requirements, simple approval procedures and quick disbursals. This means you can plan your vacation alongside the on-going loan procedures and find on-time funds for hotel or plane ticket bookings.

  • For your child –

You want your child to get the best educational exposure you can provide. But the top schools or colleges can be quite a financial setback without proper planning. A personal loan for chartered accountants can end up as education funds for your child.

One of the top benefits of these personal loans is that you can use the funds at your discretion; that is, you can utilize the credit however and wherever you want to use. Lending institutions provide loans up to Rs. 35 Lakh for CAs, enough for education abroad and perhaps a vacation for the two of you!

  • Refinancing –

Refinancing can be tricky only for those who don’t know their way through it. Loans are financial investments for a better future. Refinancing is the best way to consolidate the overall debt and reorganize accordingly. If you have more than one credit, you can take a personal loan for CAs and use it as your refinancing option.

You can make the best of competitive CA loan interest rates and consolidate the previous credits by repaying them with this one. You must understand that these are professional loans, in this case, for chartered accountants. You can get a better overall EMI, i.e. pay a lower percentage of interest, by refinancing your existing debts under one professional loan.

  • Home renovation –

You may think about general home loans but what you need instead is a loan tailored for you, as per your profession and the subsequent financial pattern. There are a couple of things CAs should consider before buying a new home. Furthermore, you will find it hard to come across a loan for home renovations in the first place.

So, stick to your personal loan for chartered accountants. These loans are fine-tuned with your financial requirements as per the loan value, EMIs, features, etc. Moreover, NBFCs such as Bajaj Finserv provide with pre-approved offers on personal loans for CAs. These are also valid on personal loans, business loans, home loans, loans against property and other financial products and services. The offers are as per your individual eligibility pointers which make the process of approval and disbursal faster.

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