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It comes off as no surprise why Indian e-commerce companies are increasingly drooling over their apps. These apps are stickier, and help build a loyal user base. Snapdeal has announced a whopping 70% of their transactions are from <keyword id="6354485" type="CITY" weightage="80" keywordseo="mobile">mobile</keyword> devices. 
 
In such a scenario, one would expect the share of price comparison websites to thin as people increasingly ‘go mobile’. On the contrary, MySmartPrice recently raised $10 million in Series B by Accel Partners and Helion Venture Partners. The company aims to expand its service to over 50 Indian cities with this funding. It currently boasts of a 10 million user base. 
 “We believe the market will not consolidate into a ground for two or three big players, and since users would prefer to have 2-3 <keyword id="235499" type="ORGANIZATION" weightage="80" keywordseo="APP">app</keyword>s, this gives us a tremendous opportunity”, Sulakshan Kumar, Co-founder &amp; CEO, MySmartPrice says. When asked if mobile apps are the future of the business he says, “The conversion rate is better on the app but there is a scope for all the platforms.” 
 
The common perception about online shopping remains that it’s popular because of the outrageous discounts it offers. But do they? Kumar begs to differ 
 
“It is a false perception that online prices are always cheaper. While that may be the case for popular products, on an average, at least 65% prices are head-to-head across online and offline platforms. In the next 2-3 years the online and offline difference will further narrow”, Kumar says. 
 
While the market matures and online shoppers get stuck to their favorite apps, won’t the user base for price comparison websites be affected as people may not be motivated to compare prices? 
 
 “We have expanded our role to be a discovery platform more than a price comparison website. We would facilitate users to search, decide and buy any product from any store, whether online or offline”, Kumar maintains. 
 
(Image credit: Indiatimes)

Room
for price comparison even on apps

Via the <a href="https://research.stlouisfed.org/publications/review/96/03/9603jr.pdf">St. Louis Fed</a> via Deutsche Bank's Torsten Slok.
<div class="KonaFilter image-container"><div class="image"></div></div>

Comparison Of Wage And Compensation Measures

<ul class="summary-list"><li>The <keyword id="1451631" type="ORGANIZATION" weightage="60" keywordseo="Republican-Study-Committee">Republican Study Committee</keyword> is urging the GOP to tie <keyword id="22195" type="COMPANY" weightage="60" keywordseo="Inflation">inflation</keyword> concerns to Biden's spending, Axios reports.</li><li>Their memo uses year-over-year comparisons to show inflation rapidly accelerating amid reopening.</li><li>The problem is May 2020 was lockdown, when prices sat well below their previous highs.</li></ul>Republicans are doubling down on their claims that President Joe Biden's spending risks an inflation crisis.Yet their latest argument relies on data that makes an irresponsible comparison between today's prices and those seen one year ago.<keyword id="515401" type="COMPANY" weightage="60" keywordseo="House-Republicans">House Republicans</keyword> are set to ramp up concerns over inflation and connect <a href="https://www.businessinsider.com/inflation-consumer-price-index-april-cpi-economic-reopening-price-growth-2021-5">soaring prices</a> to the Biden administration's spending efforts. In a memo first reported by <a href="https://www.axios.com/house-republicans-memo-inflation-biden-economy-661449b2-6bae-4e00-86bc-77ed8e373291.html">Axios' Alayna Treene</a>, Rep. <keyword id="7384913" type="PERSON" weightage="60" keywordseo="Jim-Banks">Jim Banks</keyword> of Indiana urged fellow party members to tell voters that inflation is "Democrats' hidden tax on the Middle Class" and that additional spending would only exacerbate the problem."Their 'infrastructure' plan would be reckless under normal circumstances - but passing a bill this bloated right now is downright insane," Banks, who also chairs the Republican Study Committee, said in the Friday <a href="https://assets.documentcloud.org/documents/20786750/house-republican-inflation-memo.pdf">memo</a>.<div type="image" title="Republican inflation memo" height="346" width="709" msid="82917884" hostid="261"></div>The congressman included a table comparing prices in May 2020 to those of today. Price growth included in the table ranges from a 13% jump in home-sales items to a 319% leap in the cost of lumber.The inflation statistics initially seem worryingly large. But they ignore the fact that, in May 2020, the <keyword id="34412" type="ORGANIZATION" weightage="100" keywordseo="economy">economy</keyword> was mired in lockdowns, daily COVID-19 case counts were higher, and, critically, prices were significantly lower than their pre-pandemic levels.The pandemic's hit to the US economy led prices to broadly decline in March and April of last year as businesses closed and spending froze. Inflation gauges began picking up again in May 2020, but the still-soft prices now make for a far easier year-over-year comparison than in times of average economic growth.This dynamic, also known as base effects, has been flagged by the Federal Reserve for months as economists theorize about how inflation will trend. Fed Chair Jerome Powell repeatedly warned that year-over-year comparisons would be skewed through the spring as last year's data makes for a lower bar to clear. The Fed expects reopening to drive a period of stronger price growth before inflation normalizes at lower levels.Some of the more drastic examples of surging inflation are also linked to severe supply-chain bottlenecks. Lumber, for example, has been in drastically short supply as the housing market boom caught the industry by surprise, according to <a href="https://www.vox.com/22410713/lumber-prices-shortage">Vox</a>. Gas prices have also shot higher as travel demand rebounds and Americans return to their typical commutes.To be sure, Biden's spending plans likely played a part in driving costs higher. The administration's $1.9 trillion <keyword id="45304" type="COMPANY" weightage="60" keywordseo="Stimulus">stimulus</keyword> measure fueled <a href="https://www.businessinsider.com/us-retail-sales-march-stimulus-reopening-vaccination-economic-recovery-spending-2021-4">a massive uptick in spending</a> in March as Americans put relief payments and expanded unemployment benefits to work.The rebound in consumer demand quickly ran up against strained supply, and as healthy spending continued in April, producers began lifting prices. The Fed has maintained its view that stronger inflation will soon fade, but Republicans and even moderate Democrats have raised fears that the economy is overheating.Still, to peg the rising prices to Biden's stimulus package alone is irresponsible and ignores other factors that are just as relevant. Rep. Banks also notes that another $5 trillion in spending would spark even more stifling inflation, but he fails to add that Biden's follow-up spending proposals are meant to be spent over eight to 10 years. That compares to the rapid rollout of Democrats' March stimulus bill.Until more economic data comes in and the US settles into a new normal, it's unclear whether elevated inflation will intensify or prove to be merely transitory. But comparing today's prices, which reflect a widespread <keyword id="46126" type="ORGANIZATION" weightage="60" keywordseo="economic-recovery">economic recovery</keyword>, with those from the depths of the pandemic paint a grossly inaccurate picture of how inflation is trending.

The GOP's latest argument for Biden-fueled inflation rests on an absurd comparison

<ul class="summary-list"><li><keyword id="187489" type="PERSON" weightage="60" keywordseo="software-engineers">Software engineers</keyword> are some of America's highest paid workers. </li><li>With <keyword id="1591611" type="PERSON" weightage="60" keywordseo="remote-work">remote work</keyword> threatening to disperse engineers across the country, we wanted to find out where they're paid the most.</li><li>The highest-paid engineers are all either around Silicon Valley and San Francisco or New York City.</li></ul>Software programming of all stripes has become an essential part of the economy, to the point where <a href="https://www.businessinsider.com/why-learning-how-to-code-important-early-education-in-2020-2020-8">coding has become part of children's educations</a>, and the online troll's refrain of choice for people who have recently lost their job is "learn to code."In an increasingly digital world, software programmers take on the roles of building and maintaining the programs that connect us. They're absolutely essential, and only becoming more so. A <a href="https://www.businessinsider.com/best-jobs-future-growth-2019-3#1-software-developers-and-software-quality-assurance-analysts-and-testers-30">recent Insider analysis of the 30 most future-proof jobs</a> picked software developers and software quality assurance analysts and testers as their number one selection, with over 300,000 <keyword id="11018" type="COMPANY" weightage="60" keywordseo="Jobs">jobs</keyword> to be added by 2029.They also, famously, are quite well paid, though with the popularization of remote work, there's more attention than ever on how software engineers are paid in different locations. <a href="https://www.businessinsider.com/zuckerberg-facebook-salary-employees-moving-out-of-silicon-valley-2020-5">Facebook has said it will allow workers to work remotely post-pandemic</a>, but the company will adjust <keyword id="6402851" type="UNKNOWN" weightage="60" keywordseo="salaries">salaries</keyword> to the cost-of-living of wherever they move.To that end, Insider used our <a href="https://www.businessinsider.com/salary-comparison-tool-database-companies-2021-7">salary comparison tool</a> to find the twelve cities where software engineers are paid the most. We selected all titles in the database that included both the terms software and engineer.<a href="https://www.businessinsider.com/salary-database-google-goldman-amazon-how-much-top-jobs-pay-2021-7">The Insider salary database</a> is made up of recent accepted visa applications for immigrant workers, and there is evidence that immigrant workers make less than their counterparts that don't require visas because of misclassification of titles. Additionally, these salaries don't include bonuses or equity in companies, which are often major portions of engineers' income.As you can see, eleven of the twelve highest-paying cities are in the San Francisco Bay and Silicon Valley area, the center of America's tech industry. The fifth highest city, and the only one outside of California is famously expensive New York City.While the locations or top employers aren't a major surprise, the especially high salaries for Los Gatos software engineers are. Netflix has its headquarters in the California city, and the <a href="https://www.businessinsider.com/how-much-netflix-pays-employees-us-salary-levels-2021-7">streaming giant is known for its high pay</a>.Of these top paying locales, Mountain View, home to Google HQ, is the one with the most software engineer employees with visas, with over 10,000.<h3><a href="https://www.businessinsider.com/salary-database-google-goldman-amazon-how-much-top-jobs-pay-2021-7">You can view our full salary database here.</a></h3>

These 12 cities pay software engineers the most

<ul class="summary-list"><li>Fox News and Republican politicians are comparing <keyword id="6359726" type="UNKNOWN" weightage="60" keywordseo="colorado">Colorado</keyword>'s <keyword id="43546" type="EVENT" weightage="60" keywordseo="Voting">voting</keyword> laws to <keyword id="6385073" type="LOCATION" weightage="60" keywordseo="georgia">Georgia</keyword>'s.</li><li>But that comparison is "laughable," said Paul Teske of the University of Colorado, Denver.</li><li>Colorado has fully embraced voting by mail, automatically sending ballots to all registered voters.</li></ul>When Major League Baseball announced it was <a href="https://www.businessinsider.com/georgia-lose-100-million-after-mlb-decision-tourism-official-2021-4">moving its All-Star Game</a> from Georgia to protest new restrictions on voting, local Republicans and conservative media outlets bemoaned the rise of "woke capital" and created a false equivalence. Colorado, they said - the game's new home - was really no better when it comes to voting rights."I think it's a little bit laughable," Paul Teske, dean of Public Affairs at the University of Colorado Denver, told Insider of the comparison. "Colorado is such an easy place to vote."Georgia is not so easy, and it will now become more difficult.Among other things, <a href="https://www.businessinsider.com/georgia-new-election-law-means-for-voters-and-officials-explainer-2021-3">Georgia's new elections law</a>, passed by the state's Republican-led legislature following a campaign by party leaders to paint the 2020 election as fraudulent, curtails the use of <keyword id="9295414" type="UNKNOWN" weightage="60" keywordseo="mail-in-ballots">mail-in ballots</keyword>. While before voters had up to six months before an election to request a ballot, they now have 11 weeks, and will have fewer drop boxes to cast their vote. Crucially, people who vote by mail will also have to provide a driver's license or other state-issued identification card, similar to the requirement for in-person voting. Previously, poll workers simply checked signatures to make sure they matched those on file - a process that, according to Georgia's Republican <keyword id="6355644" type="DEFINITION" weightage="60" keywordseo="elections">elections</keyword> officials, uncovered no real fraud.That, according to GOP Gov. Brain Kemp, is no different than Colorado. In an appearance on Fox News this week, Kemp said he was confused by MLB's decision to move its All-Star contest to Colorado where, "I'm being told, they also have a photo ID requirement."He was told wrong. What counts as an "ID" in the Rocky Mountains is not the same as in Georgia. According to Colorado's Secretary of State, <a href="https://www.sos.state.co.us/pubs/elections/vote/acceptableFormsOfID.html">acceptable forms of identification</a> include not just those issued by the state or federal government, but those printed by colleges and universities. Don't have one of those, either? Not a problem: the state also accepts utility bills, bank statements, and paycheck stubs.In 2020, a super-majority of voters in Colorado cast their ballots by mail - all registered voters receive them automatically, as they have for years prior to the pandemic, with bipartisan support."The truth is Colorado's election model works," Colorado Secretary of State Jena Griswold, a Democrat, said in a statement on Tuesday. "[T]he proof is in voter turnout, consistently among the top in the nation," she said, adding the state is "grateful that MLB is giving us the opportunity to showcase how elections can be."Mail-in ballots can also be deposited at any time; <a href="https://www.cpr.org/2021/04/06/colorado-vs-georgia-voting-laws-what-are-the-differences/">as Colorado Public Radio notes</a>, there is one drop box for every 9,400 active registered voters, available 24 hours a day. By contrast, the new law in Georgia actually caps the number of drop boxes for ballots to one per 100,000 voters, while limiting accessibility. It also requires Georgians to provide ID every time they vote absentee, not just when they initially register (the state, previously, compared signatures, as they do in Colorado).Nevertheless, Kemp's false claim was provided journalistic cover. Fox News, for example, <a href="https://www.foxnews.com/politics/colorado-voting-rules-georgia-major-league-baseball-all-star-game">published a story</a> stating that, "As it turns out, Colorado also requires voters to show identification when voting in person." The outlet's Peter Doocy, at a White House briefing, likewise asked Biden spokesperson Jen Psaki if the administration was concerned about the MLB game moving to Colorado, "where voting regulations are very similar to Georgia."Psaki rebutted the comparison. "It's important to remember the context here," she added. "The Georgia bill is built on a lie."Indeed, the new Georgia law comes not after evidence of voter fraud - the state's Republican elections officials uncovered none that would alter the outcome of the 2020 election - but a <a href="https://www.businessinsider.com/transcript-trump-pressures-another-georgia-elections-official-to-find-fraud-2021-3">concerted effort by a former president</a> and other GOP politicians to invalidate ballots cast for Democrats."It's just abundantly clear, from the outside looking in, that they had some close elections but they lost," Teske said, "and so the Republican legislature is looking to restrict voting in ways that they think will help them win elections in the future." "That is not a great way to have a democracy," he added.Have a news tip? Email this reporter: <a href="mailto:cdavis@insider.com">cdavis@insider.com</a>

The 'laughable' comparison between Colorado and Georgia voting requirements

<ul class="summary-list"><li>Off-price retailers TJ Maxx and Marshalls buy surplus inventory from department stores at discounted rates.</li><li>This is how they sell brand-name merchandise and keep their prices low.</li></ul>Stores know that the thrill of a bargain <a href="https://www.businessinsider.com/how-stores-get-you-to-spend-money-2018-8">motivates shoppers to spend money</a>, and they have many ways to conjure up that instant gratification. <a href="https://www.businessinsider.com/tj-maxx-what-to-buy-deals-products-2019-10">TJ Maxx</a> and Marshalls do it with their price tags. The off-price retailers, which are both owned by TJX Companies, buy <a href="https://www.businessinsider.com/how-tj-maxx-keeps-its-prices-so-low-2023-3">surplus inventory</a> from department stores and specialty retailers at discounted rates. This is how they sell brand-name merchandise and <a href="https://www.businessinsider.com/why-tj-maxx-and-marshalls-dont-say-name-of-designers-on-websites-2020-7">keep their prices low</a>. While many retailers have struggled during the economic downturn, <a href="https://www.businessinsider.com/tj-maxx-homegoods-benefitting-from-retail-store-closures-2023-2">TJX has benefitted from other brands' store closures</a>. Every product in TJ Maxx, whether it's a t-shirt or candle, has a recognizable tag attached. Apart from being notoriously difficult to peel off, these tags show shoppers the deal they are getting.The large price is what you pay. A small price above gives a "compare at" price, or what the customer would have paid for the product at full price. But how TJ Maxx comes to that price isn't always straightforward. Sometimes an identical product isn't available for comparison, so the company estimates the price based on similar styles. "Prices vary among other sellers and change over time," TJX states on its website. "But our buying staff's goal is always to provide you with a useful comparison based on prices at which we believe substantial sales of the same or a similar item have been made at full-price department or specialty retailers in the area or online." TJX Companies did not immediately respond to Insider's request for comment. <div type="image" title="A customer pushes a cart overflowing with shoes at TJ Maxx" height="2000" width="2666" msid="101837252" hostid="261" sizebytes="413722"></div>These comparison prices reinforce shoppers' confidence in their buying decisions, marketing professor Alexander Chernev told <a href="https://www.youtube.com/watch?v=jA5rB24dNrQ" target="_blank" rel="noopener">the Wall Street Journal</a> in a recent video explaining TJ Maxx's strategy."It's not only that I'm getting a low price, but I'm actually getting a deal," he said. "Which makes people feel good about themselves and that they are smart shoppers."But the ambiguous approach to comparison pricing has drawn criticism and legal action. In 2015 and 2018, two class-action lawsuits accused TJX of misleading customers with its comparison prices. The first lawsuit, filed in California, argued that the company used the comparison prices to "trick its customers into mistakenly believing they are saving specific and substantial amounts on name brand items," <a href="https://abcnews.go.com/Business/tj-maxx-sued-compare-prices/story?id=32636566" target="_blank" rel="noopener">ABC news</a> reported. The second lawsuit, filed in Florida, alleged that TJX marked products with a "higher, fictional amount" to "advertise a phantom markdown," per court documents. The 2015 case was settled and the 2018 case was dismissed.

TJ Maxx's and Marshalls' comparison prices aren't always what they seem

Earlier this week, <keyword id="16129" type="CITY" weightage="80" keywordseo="HTC">HTC</keyword> announced its first-ever 64-bit based Desire 820 <keyword id="28168" type="TECHNOLOGY" weightage="60" keywordseo="Smartphone">smartphone</keyword> running on Snapdragon octa-core chipset for India. However, what caught us by surprise is the Desire 816G. Priced at Rs 18,990 and available in the country, Desire 816G is supposedly the successor to Desire 816 that selling at around Rs 20,000. We take a closer look to ascertain the differences between the two devices and comprehend the ‘G’ added to the name. 
 
 As you can see, there is no remarkable different between Desire 816 and 816G except for the fact, and we love it, that Desire 816G is more affordable. The cameras remain the same, so does the display and the battery. 816G is slightly lighter than its predecessor but looses out on the memory and storage front; which is 1 GB and 32 expandable, respectively. The company has not highlighted the make of its quad-core chipset, but there’s a possibility that it’s by <keyword id="6369515" type="COMPANY" weightage="80" keywordseo="Mediatek">MediaTek</keyword>. 
 
We’ll share more information about HTC Desire 816G in the coming weeks, stay tuned. Another interesting aspect about the 816G is that, it supports GSM SIMs (nano) only, so you won't be able to use any kind of CDMA SIM on the Desire 816G which might have helped HTC to lower down the price of the device.

HTC Desire 816 Vs HTC Desire 816G: What’s new?

<div class="KonaFilter image-container display-table"><div><div class="image on-image">Melia Robinson/Business InsiderThis is an artistic rendering of what a Pax Labs and Apple collaboration might look like. We only wish it were real.</div></div></div>The Pax 2 vaporizer is smart design at its best. The brushed aluminum body features clean lines and sensors in the mouthpiece that activate the device. It monitors the oven temperature every 30 seconds, allowing for a smooth hit of loose-leaf tobacco or marijuana every time.Some have called it the "<a href="http://www.nytimes.com/2013/12/19/fashion/for-vaporizers-new-technology-and-product-design.html?_r=0">iPhone of vaporizers</a>," making its manufacturer the "<a href="http://www.wired.com/2015/04/pax-juul-ecig/">Apple of vaping</a>." But both monikers have been used to describe <a href="https://www.reddit.com/r/electronic_cigarette/comments/3nnv2x/which_company_would_you_consider_as_the_apple_of/">lots of players</a> in the marijuana industry.The comparison makes sense in the case of Pax Labs, the company behind the <a href="https://www.paxvapor.com/pax-2">Pax 2</a> and <a href="https://www.juulvapor.com/">Juul</a> e-cigarette, because the two companies share a belief that technology shouldn't be overly complicated, according to newly-minted CEO Tyler Goldman."Great technology is generally simple to use," says Goldman, who described the Apple comparison as apt, but also aspirational considering Apple's <a href="http://www.forbes.com/companies/apple/">$586 billion</a> market cap.Steve Jobs once <a href="http://www.smithsonianmag.com/arts-culture/how-steve-jobs-love-of-simplicity-fueled-a-design-revolution-23868877/?no-ist">described </a>Apple's design ethos as "intuitively obvious." Things work the way a user expects them to, the company's operating systems put a lid on customization.<div class="KonaFilter image-container display-table"><div><div class="image on-image"><a href="http://www.apimages.com/metadata/Index/iPhone-Sales/3a3a6e998bce46fe8ead8c9291a03970/261/0">Steve Helber/AP Images</a></div></div></div>Pax Labs subscribes to a similar ethos. Taking a hit from a Pax 2 vaporizer is as easy as placing your lips on the mouthpiece and inhaling. The LED lights glow green when the device is in use and red when it needs a charge. There are no buttons.Like an iPhone, the Pax 2 comes at a premium. It costs <a href="https://www.paxvapor.com/pax-2">$279</a>, five times more expensive as <a href="http://www.techinsider.io/bloom-farms-makes-the-best-vape-pen-2016-6">vape pens that work just as well</a>. Still, more than one million Pax 2 vapes have been sold globally.Goldman argues one of the biggest similarities between Pax Labs and Apple is a commitment to getting better all the time. The company dabbled in designing e-cigarettes before releasing version one of the Pax in 2012. Today, the Pax 2 and the newer e-cigarette, Juul, are leaders in the space."I would say we're probably investing more - or, disproportionately more - in R&amp;D in our category than Apple is doing in their category," Goldman says. "And ultimately, great products only remain great products by continuing to evolve." <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/legal-marijuana-dispensaries-just-like-any-other-retail-experience-2016-4">We went inside a legal marijuana dispensary - it was just like any other retail experience</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="9rZTJ1MjE6BpvLk8T4z7FjxOODmLUp3i" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

The CEO of the 'Apple of vaping' explains why the comparison makes sense

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">Comedy Central</div></div></div><keyword id="105511" type="PERSON" weightage="60" keywordseo="Jon-Stewart">Jon Stewart</keyword> has been uncannily critical of President Barack Obama on the topic of his signature health care law's disastrous rollout, comparing <a href="http://www.businessinsider.com/jon-stewart-rips-obama-obamacare-rob-ford-daily-show-2013-11" target="_blank">him last week to embattled Toronto Mayor Rob Ford</a>.
To Stewart, it's hard to overstate how bad the rollout's been. Hard, but not impossible. Stewart reserved his harshest criticism on "The <keyword id="818861" type="UNKNOWN" weightage="60" keywordseo="daily-show">Daily Show</keyword>" Monday night for the media, which has engaged in a comparison frenzy of <keyword id="6579869" type="PERSON" weightage="60" keywordseo="ObamaCare">Obamacare</keyword> being the political equivalent to Obama what Hurricane Katrina was to President George W. Bush. 
"Look, I'm not trying to polish the [dot]turd that is HealthCare.gov," Stewart said of the dysfunctional website. "But comparing the government abdication of responsibility after Katrina, the death of hundreds of people, the displacement of thousands of people to a f- website is offensive."
Stewart then cut to clips of some in the media, and some from the Bush administration, who thought it was offensive - to Bush. 
"Are you out of your f- mind?" he said.
Watch the clip below:
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<div style="padding: 4px;">
The Daily Show Get More: <a href="http://www.thedailyshow.com/full-episodes/">Daily Show Full Episodes</a>,<a href="http://www.facebook.com/thedailyshow">The Daily Show on Facebook</a>
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Jon Stewart Destroys The Media For 'Offensive' Comparisons Of Obamacare To Katrina

<div class="KonaFilter image-container display-table float_right"><div><div class="image on-image">ABC SportsIn one analyst's mind, Jamie Dimon is the LeBron James of Wall Street.</div></div></div>One is the picture of offensive prowess and defensive aggression, wrapped up into an All-Star package that some think is the best in the game. The other is LeBron James. CSLA analyst Mike Mayo has issued a bullish report upgrading JPMorgan to a buy and comparing chief executive Jamie Dimon to four-time National Basketball Association Most Valuable Player <a href="http://www.businessinsider.com/lebrons-nba-finals-stats-2015-6">LeBron James</a>. Mayo's note, published Tuesday August 25, puts a $78 price target on JPMorgan, a jump above the current share price of around $63.Mayo told Business Insider: "This is certainly the first time we've had an all-out buy on a Jamie Dimon bank in one, if not two, decades."He added: "This is a big deal, right? This is a big upgrade. They are the number one kind of global, universal bank, right? They are the Lebron James of global universal banks."The call is based on strong defence in addition to powerful offense, according to Mayo, who highlighted JPMorgan's dividend yield. It is 2.9% this year and expected to jump to 3.4% in 2017. Mayo told Business Insider: "Lebron has been named to the all-NBA team for defense. So we wanted some defensive characteristics and JPMorgan has perhaps the most resilient balance sheet that it's had under Jamie Dimon."Not to mention higher capital, good credit quality, and the strong dividend yield.Then there is the offense. Mayo said: "JP Morgan has offense with their strong market positions, and also with the tailwind from expense savings of $4.8 billion over a couple years. And don't forget that they try to win when others lose, so if there is some sort of dislocation in Asia, this is the opportunity for JPMorgan to gain market share in Asia."<div class="KonaFilter image-container display-table"><div><div class="image on-image"><a href="http://files.shareholder.com/downloads/ONE/15660259x0x820077/8af78e45-1d81-4363-931c-439d04312ebc/JPMC-AR2014-LetterToShareholders.pdf">JPMorgan Chase shareholder letter</a>The LeBron James of Wall Street?</div></div></div>Banks' stocks have taken a beating with the broader market over the last few days. Most Wall Street firms - JPMorgan included - saw their stocks go negative on the year in trading Monday August 24. JPMorgan saw shares rise about 4% in trading early Tuesday August 25. Mayo notes the company is trading at 1.3 times its tangible book value, compared to a 1.6X-multiple historically.Mayo's comparisons between James and JPMorgan come, curiously enough, <a href="http://www.crainscleveland.com/article/20150824/BLOGS03/150829916/jp-morgan-chase-helps-lebron-james-family-foundation-power-forward">one day after reports that the NBA star's family foundation is partnering with Dimon's bank</a> to better track the academic progress of the students it supports. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/facts-about-greek-economy-bailout-euro-crisis-2015-6">6 mind-blowing facts about Greece's economy</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="JueTR5dTo3QyUhdNPH4LuPBLRuUjzGwo" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Jamie Dimon's bank is earning comparisons to the best player in the NBA

ome of the aspects investors will want to check while making an investment decision include low risk, high returns, liquidity, tax savings and others. Investing in PPF (expanded as Public <keyword id="45028" type="ORGANIZATION" weightage="20" keywordseo="Provident-Fund">Provident Fund</keyword>) and <keyword id="18712" type="ENTERTAINMENT" weightage="20" keywordseo="Gold">Gold</keyword> will meet these requirements. However, if you wish to choose between these options, here are the points you must consider. How to approach the topic <keyword id="8284047" type="UNKNOWN" weightage="20" keywordseo="gold-vs-ppf">gold vs ppf</keyword> In India, the investors have a wide range of investment options to choose from. The objectives of investment vary between different investors. Most common expectations that investors have while investing include high returns potential and minimum risk. The other two common expectations can be tax savings and diversification portfolio. There are a lot of options that will meet these criteria. However, PPF and gold are highly sought after investment options. Here we look at these options from different perspectives to be able to choose the right one that will help meet your investment objectives. Investment Risk in PPF PPF is a very popular savings scheme that has a strong backing by the government of India. The topmost benefit of a PPF account is that your investment will fetch you a fixed annual interest. Year on year, the central government fixes the interest rate for PPF. Asset Management Companies pool the investment from investors and invest it in different kinds of securities. Returns on <keyword id="490221" type="PERSON" weightage="20" keywordseo="investment-in-gold">investment in gold</keyword> is prone to fluctuations depending on market conditions. Potential of returns in PPF and Gold The annual interest rate of PPF investment is usually around 8%. Since the rate of interest is predetermined, the amount you will earn year on year is fixed and does not carry any risk. Gold assures a reasonable rate of interest most times. However, the present conditions in Indian market shows us that the returns can only be nominal due to gold inflation and devaluation of paper currency happening side by side. If you do not mind the long lock in period in case of PPF, PPF can be a better option. If you do not mind risks and will look for flexibility, then you might want to choose gold for investing. Investment tenure This is a significant point of comparison while choosing between gold and PPF for investing. The minimum investment duration with regard to PPF is 15 years. The first time you can withdraw from the PPF account is only after 5 years. After maturity, it is also possible to renew your PPF account in sets of 5 years. Due to the long investment tenure associated with PPF account, it will highly suit long term savings. If you invest in paper gold, there are quite a lot of investment tenures to choose from. You can always sell physical gold whenever you want, but this process will incur you a loss most times. Tax Savings PPF investment is not taxed until an upper limit of Rs 1.5 lakh in a year. Also, the returns that you get from PPF are exempted from tax. Gains from gold investment is taxed at the rate of 20 percent along with surcharge. If you buy physical gold, you will have to bear the GST charges of 3 percent in addition to the making charges. The other ways to invest in gold include SGBs, gold ETFs and gold mutual funds. The taxes on gains vary between these gold investment-categories.

comparison between Gold vs PPF: which Is better For Investment

<div class="KonaFilter image-container display-table float_right"><div><div class="image">Newseum</div></div></div>The Philadelphia Daily News blasted Donald Trump on Tuesday <a href="http://www.businessinsider.com/philadelphia-daily-news-cover-donald-trump-hitler-2015-12">with a cover</a> that compared the real-estate tycoon to Adolf Hitler.But the Republican presidential front-runner didn't seem particularly bothered by the attack.During at least two Tuesday-morning interviews, Trump was asked about the cover, which criticized <a href="http://www.businessinsider.com/donald-trump-muslim-immigration-2015-12">his proposal to suspend</a> all Muslim immigration and tourism to the US."You're increasingly being compared to Hitler. Does that give you any pause at all?" ABC's George Stephanopoulos asked Trump on "This Week.""No," Trump replied, citing Franklin D. Roosevelt's actions during World War II."Because what I'm doing is no different than what FDR [did]. FDR's solution for Germans, Italians, Japanese many years ago," he continued. "This is a president who was highly respected by all. He did the same thing - if you look at what he was doing it was far worse."Later, during an interview on CNN's "New Day," host Chris Cuomo brought up the cover amid his back-and-forth with Trump. (He misidentified the newspaper as the Philadelphia Inquirer instead of the Philadelphia Daily News.)"What does that mean, 'They want the jihad?'" Cuomo said at one point. "You can't just throw out notions without any kind of checking of them. This is what got you wound up on the 'Philadelphia Inquirer' on the front page like Hitler. They got you in a personage of Hitler right now, a characterization of that.""Philadelphia Inquirer, another newspaper going out of business," Trump remarked. <div class="margin-top"> <h3>NOW WATCH: <a href="http://www.businessinsider.com/trump-nation-on-the-trail-with-the-gop-frontrunner-2015-11">TRUMP NATION: We tried to answer the 3 questions everyone has about Donald Trump</a></h3> <div> <div> <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="xkbWd4eDo-q2cc7uac6n6EUN8Mq1XpIr" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div> </div> </div> </div>

Donald Trump shrugs off Hitler comparisons

In terms of how they come to the investor’s aid post retirement, both Public Provident Fund (PPF) and <keyword id="173407" type="ORGANIZATION" weightage="20" keywordseo="National-Pension-Scheme">National Pension Scheme</keyword> (NPS) have their own advantages. We can say both of these are long term investment vehicles. With much in similar between them, they also differ significantly from each other. Understanding their features in detail can help make the right decision and decide which one of these two will suit your specific needs and expectations. Who is eligible for PPF and NPS All Indian residents (not NRIs) are eligible for PPF, which can be understood as a long-term retirement plan. Such demarcations are not applicable in case of NPS. All Indians including NRIs can open an NPS plan provided they are aged between 18 and 60. Minimum and maximum investment possible The lower brackets of investment is similar in both PPF and NPS. The minimum investment to be made in these schemes is Rs 6,000 per financial year with the deposits made 4 to 12 times. The minimum contribution during any given deposit is Rs 500. The upper bracket for these investments differ. The maximum limit of deposit allowed per year in case of PPF is Rs 1,00,000. Though there is no such upper limit for depositing in NPS, it is possible to get tax benefits for up to Rs 1,00,000 in NPS. The condition is that the contribution amount must be within 10% bracket of the total salary of the investor. Return on investment The high returns the pension schemes assure the investors is one of the alluring reasons why a lot of people prefer PPF or the NPS. However, when compared to the PPF, NPS can present a better scope for returns as a portion of the investment is put on equity trading which can mean higher returns. On the other hand, the PPF is all about fixed returns and there is never a scope for any added frills. Rate of return Over a specified period, PPF gives fixed returns in every way. Any changes in this are notified to the investors in advance. However, the returns you can expect on an NPS purely depends on the performance of the fund manager and the combination of the asset class. Talking of the short term benefits, NPS returns are volatile in nature. Through the NPS investment, you have the option of investing about 50% of your invested amount in equity trading and hence the emphasis in this case must be on the long-term. Compared to the PPF, only 50% of the invested amount is on a safer bet. When we talk of the returns, NPS seems to be a better option than PPF. Weighing PPF and NPS against each other Both PPF and NPS have their own unique advantages over the other. If you are looking for a risk free and safe investment option with solid returns, you must think of PPF. On the other hand, NPS comes with two significant benefits namely the safety of the principal as well as the appreciation of the invested amount. Hence the choice is clear once you specify what you expect from your investment.

Comparison between PPF and NPS which is better?

Both Public Provident Fund (PPF) and Equity Linked Savings Scheme (ELSS) are saving schemes that are eligible for tax benefits. Hence investors are often confused on which one to choose among these two. Are they similar? No doubt PPF has been popular among the investors for so long. However, these days, ELSS seems to be picking up fast due to the higher returns it promises. In fact, it is important to know that there is nothing similar between these two investment vehicles beyond the tax benefits they carry. When you know the About PPF Public Provident Fund (PPF) is a savings scheme created by the government that assures guaranteed returns and some attractive tax benefits under Section 80C. The government revises the interest rates of this scheme during every quarter. For example, the interest rate for the current quarter Q 2 (July-September), FY-19 is fixed at 7.9%. About ELSS <keyword id="3832316" type="PERSON" weightage="20" keywordseo="Equity-Linked-Saving-Scheme">Equity Linked Saving Scheme</keyword> (ELSS) can be described as a type of <keyword id="6354820" type="DEFINITION" weightage="20" keywordseo="mutual-fund">mutual fund</keyword> that carries tax benefits under the section of 80C of the Income Tax Act, 1961. Currently, it has become immensely popular due to its high returns and the lowest lock-in period. PPF Features Low-Risk Since PPF is a government-backed savings scheme, it is considered as a safe investment option available in India. Since the capital and returns are safe, it is one of the most popular investment options. Tax Benefits Since the investments in PPF fall under the exempt-exempt-exempt (EEE) category, the PPF deposits are never taxed at any point. The investment up to a limit of 1.5 lakhs per annum, the monthly interest and the maturity amount is completely tax exempt. Lock-in Period Deposits in PPF are characterized by a mandatory lock-in period of 15 years. Nevertheless, it is possible to take a loan on PPF deposits starting from the 3rd to 6th financial year from the date of opening the account. From the 6th year, partial withdrawal is possible. Fixed Returns In an average, the investments in PPF have invited 8% interest over the past. Also since the government decides the interest rate during every quarter, PPF assures fixed returns. Investment and Withdrawal The minimum and maximum investment you can make in a PPF investment account is Rs 500 and Rs 1.5 lakhs respectively. In case of serious ailments, premature closure is allowed. Partial withdrawals are permitted from the 6th year. ELSS Features High Returns Studying the history, we find that ELSS has always assured one of the highest returns among the tax-saving instruments. In the past, it has generated about 11-14% returns in a time frame of 3-years and 5-years. However, since the returns under ELSS are market-linked, they are not market guaranteed. Tax Benefits Section 80C allows tax benefits on ELSS investments up to Rs. 1.5 lakhs per year. However, while PPF is tax-free during all stages, the gains from ELSS scheme is taxable if it exceeds Rs. 1 lakh in a given year. Lock-in period Among the different tax-saving investment options, ELSS comes with the lowest lock-in period of only 3 years. Hence it carries a high degree of liquidity. SIP Option An investor can start investing in ELSS with an amount as low as Rs. 500 per month through <keyword id="6359303" type="DEFINITION" weightage="20" keywordseo="systematic-investment-plan">Systematic Investment Plan</keyword>. Whenever convenient, you can either start or stop the SIP. How to choose between PPF and ELSS PPF suits investors who do not want to take risks and can afford the lock in period of 15 years. Those investors who want to take only moderate risk and want to earn a higher interest can go for ELSS.

Comparison between PPF and ELSS, which is better?

<ul class="summary-list"><li>When it comes to who makes a good leader it depends on who you're asking, and what matters to you.</li><li>Antagonistic traits might serve wartime presidents better, but most employees prefer conscientious leaders.</li></ul>This as-told-to essay is based on a conversation with Dr. Ramani Durvasula, a 57-year-old clinical psychologist and a professor of psychology, based in Los Angeles, California. It has been edited for length and clarity.I work as a licensed clinical psychologist and a professor of psychology at California State University. I also run a<a target="_blank" href="https://lunaetc.com/about/"> consulting firm</a> that serves individuals, educators, clinicians, and workplaces.When it comes to work leadership, personality can play a significant role. We often think the aggressiveness, bombastic-ness, intensity, and fear-induction of antagonistic leaders is what gets things done, but that's not the case, as we can see from conscious leaders.Companies and institutions can thrive under conscientious leadership. A conscientious leader is typically more aware of others, has more humility, and is less impulsive. Let's look at the characteristics of antagonistic and conscientious leaders.<h2>Antagonistic leaders make for great headlines because they can be so arrogant and shameless in their behavior</h2>An antagonistic leader may be seen as someone who is impulsive, entitled, and more grandiose. Also, they might not put the needs of others before their own. A person who believes their way is the only way and loves the limelight might be an antagonistic leader.Antagonistic traits might serve wartime presidents better, since they might need to be more decisive during times of crisis. However, one could also argue an antagonistic president, or world leader, might be exactly what got the country into a war in the first place.When looking at decisions that sometimes need to be made from a profit standpoint, an antagonistic leader might be what shareholders, board members, or even upper level view as a good leader. But I believe, if you were to poll employees and ask them directly what they'd like to see in a leader, they would most likely say fairness, justice, and equity.<h2>An employee may find an agreeable, conscientious leader to be better than an antagonistic one</h2>Even though employees might find conscientious leaders to be better, they might also be fine with a boss that isn't particularly warm if they feel recognized for their hard work. Many workers aren't looking for their boss to be their best friend, but they do look for traits like fairness and friendliness.Conscientious leaders are more open to hearing different perspectives. But the challenge is most employees don't have a say in the matter — they usually get stuck with the boss or the manager they get. They might even interview for a position with an HR person and get little insight on what their boss or manager will be like until after they start working for them.<h2>Good leadership or bad leadership is not a straight line</h2>While a conscientious leader might get the job done in the most mentally healthy way, it doesn't necessarily mean they will be the ones who bring in the most profits. Yet, those who are only concerned with profit and getting the job done may burn through their employees, as they're not concerned with maintaining some form of their employees health, loyalty, and longevity.When it comes to who makes a good leader it depends on who you're asking, and what matters most to you. No leader leads alone. If a leader feels they're too antagonistic, they should lean more into collaboration and intention, asking themselves "why" and answering the question honestly. Then they should check their response against the mission and vision of their organization.A leader actually draws and sees the best of those they work with and that requires empathy, compassion, and humility.If you can speak to leadership at work and would like to share your story, email Alyshia Hull at <a target="_blank" href="mailto:ahull@insider.com">ahull@insider.com</a>

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