One of the biggest challenges small business owners and self-employed professionals face is saving for retirement. While employed professionals often have specific and established retirement options through their employers, funding a retirement plan as a small business owner or sole proprietor isn’t as clear-cut. However, there are several ways you can save for retirement in addition to the traditional 401(k). Here are several options for saving for retirement as a small business owner, even if you’re a sole proprietor. photo credit: LinkedIn Sales Solutions / Unsplash Simplified Employee Pension (SEP) IRA A Simplified Employee Pension (SEP) plan is an individual retirement account (IRA) that you can set up as a self-employed individual. You’re allowed a tax deduction for the contributions you make to a SEP IRA, and your business doesn’t have to pay taxes on the investment earnings. As a small business owner with employees, establishing a SEP IRA for eligible staff can also be beneficial, as you can still deduct contributions you make to each employee’s account. When covering eligible staff, the term “employee” also extends to you as long as you receive income from your business. Another advantage to SEP IRAs is that you’re not obligated to make contributions every year. This means that you can determine each year how much to contribute to your employees’ accounts and whether to contribute at all. You may also be eligible for up to $500 in tax credits over the first several years to cover the costs of starting your SEP plan. Savings Incentive Match Plan for Employees (SIMPLE) IRA A Savings Incentive Match Plan for Employees (SIMPLE) IRA lets you contribute to traditional IRAs that you establish for yourself and your staff. SIMPLE IRAs are available to just about any small business with 100 or fewer employees. Your employees may also contribute to SIMPLE IRAs. For employers who aren’t able to sponsor traditional retirement plans, SIMPLE IRAs make an ideal way to save for retirement. One of the biggest advantages of a SIMPLE IRA is that it can provide a substantial source of retirement income by enabling you and your staff to set money aside in a retirement account. SIMPLE IRAs also don’t come with the same costs to start and maintain as a traditional retirement plan does. Small business owners with employees are typically required to contribute every year in one of two ways, either by matching employees’ contributions up to 3% of the compensation or by a 2% non-elective contribution for each eligible staff member. Employees can also contribute a portion of their salaries to their SIMPLE IRAs, but this contribution can’t exceed $15,000. Fixed Annuities If you’re self-employed and the sole proprietor of your business, a fixed annuity can offer a potential approach to saving for retirement. With fixed annuities, self-employed individuals can build up and then convert their savings into a reliable stream of payments during retirement. There are several types of annuities, with fixed annuities being an accessible option for self-employed professionals. A fixed annuity is a type of insurance contract that allows you to contribute a certain amount, where the insurance company agrees to pay you a fixed interest rate over a specific period of time. Fixed annuities provide a level of security with predictable income payments during retirement. It should be noted that there may be penalties if you decide to withdraw from your savings early. 401(k) Plans for Small Businesses Small business owners and sole proprietors also have the option to set up independent or solo 401(k) plans. An independent 401(k) establishes a retirement savings account for small businesses and is an ideal choice for sole proprietors and independent contractors. With a solo 401(k), you’re the employee and the employer. This means the only eligible participants are the business owner and their spouse if the spouse is also employed within the business. A common misconception about the independent 401(k) is that it’s only available to sole proprietors or self-employed individuals. In reality, any small business can establish an independent 401(k), provided that the only eligible plan holder is the business owner. Because of this, some businesses may find it more beneficial to consider alternative retirement options, like fixed annuities or various IRAs. Saving for retirement as a small business owner can be challenging, but with the options available, you can determine the best way to set up and secure your finances. Depending on the size of your business and your eligibility, these retirement options can provide an ideal starting point.

Shares of RateGain rose 16.9% on the BSE after its PAT almost tripled YoY to INR 24.9 Cr in Q1 Shares of ideaForge slumped almost 11% this week, while DroneAcharya, PB Fintech, Nazara Tech, Zomato, Nykaa, EaseMyTrip, and Delhivery also fell in a range of 0.1% to 9% Paytm rallied 8.6% this week following the fintech major’s announcement that Vijay Shekhar Sharma would acquire Antfin’s 10.3% stake in the company The change in investor sentiment continued to reflect in the performance of India new-age tech stocks for another week. However, due to a consolidation in the broader domestic equity market and some stock-specific reactions following Q1 FY24 results, new-age tech startups witnessed a mixed week on the bourses.  Seven out of the 15 new-age tech stocks under Inc42’s coverage gained in a range of 0.3% to 17% this week.  Travel SaaS startup RateGain emerged as the biggest winner, rising 16.9% on the BSE after its profit after tax (PAT) almost tripled year-on-year (YoY) to INR 24.9 Cr in Q1. Paytm (up 8.6%), MapmyIndia (up 9.9%), and Fino Payments Bank (5.8%) were also among the gainers this week. Following its upbeat Q1 FY24 results, shares of CarTrade Tech also rose 3.6% this week. However, after reporting muted Q1 earnings, ideaForge slumped almost 11% during the week, becoming the biggest loser. DroneAcharya, PB Fintech, Nazara Technologies, Zomato, Nykaa, EaseMyTrip, and Delhivery also fell in a range of 0.1% to 9% on the BSE. Among the benchmark indices, Sensex fell 0.61% to 65,322.65 and Nifty 50 declined 0.45% to 19,428.30 this week. During the week, the Reserve Bank of India (RBI) kept the repo rate unchanged at 6.5% but hiked inflation projection for 2023-24 to 5.4%. Commenting on the performance of the market during the week, Siddhartha Khemka, head of retail research at Motilal Oswal, said that domestic equities continued their weakness due to subdued global cues and hawkish commentary from the RBI.  “In the absence of any major trigger and uncertain global cues, we expect the market to consolidate in the range. Investors on Monday would react to India’s FII (Foreign Institutional Investors) data,” said Khemka. Amol Athawale, vice president of technical research at Kotak Securities, said that weak European and Asian market cues, coupled with concerns about China slipping into stagflation amid slackening demand, are making investors jittery and prompting them to offload in domestic equities.  “With FII flows turning choppy this month so far, markets are struggling to maintain the upward bias amid rise in intra-day volatile trades,” Athawale added. Before analysing the performance of the new-age tech stocks this week, let’s take a quick look at the financial health of these companies. Now, let’s dig deeper into the performance of some of the new-age tech stocks this week. The 15 new-age tech stocks under Inc42’s coverage ended the week with a total market capitalisation of $34.96 Bn as against $36.33 Bn last week. Paytm Rallies After Share Transfer From Antfin Shares of Paytm had witnessed a slight decline after reporting its Q1 FY24 results towards the end of last month. However, its shares rallied sharply after the fintech major’s announcement earlier this week that Vijay Shekhar Sharma would acquire Antfin’s 10.3% stake in the company.  Paytm gained 8.6% this week on the back of the announcement and ended Friday’s session at INR 864.05 on the BSE. Proxy firm Institutional Investor Advisory Services (IiAS) came out with a report following the transfer of shares, saying that Sharma, along with the equity holding of the family trust, is now in control of 24.3% of voting rights in the company. “It’s time Vijay Shekhar Sharma formally signals that he remains in control. He needs to give investors the comfort that he is the promoter and not someone who is sitting in the shadows,” the IiAs said. On the back of improving investors’ sentiment towards new-age startups, particularly, Paytm, Zomato, and PB Fintech, shares of Paytm have gained over 23% since June this year. The stock is consolidating right now but it is showing positive consolidation, said Kotak Securities’ Athawale. “Investors should still wait for a fresh breakout, which is around INR 890-INR 900 levels. If the market continues to correct then the stock may retrace towards INR 820-INR 810 levels,” Athawale said. Nykaa’s Profit Rises Nykaa on Friday reported an 8.2% YoY rise in profit after tax (PAT) to INR 5.4 Cr in Q1 FY24, which was also up 138% sequentially. While the growth of the fashion business continued to lag during the quarter under review, Nykaa saw steady growth across other business segments. The beauty and fashion ecommerce major’s gross merchandise value (GMV) rose 24% YoY to INR 2,667.8 Cr in Q1. It must be noted that shares of Nykaa have been under pressure over the past few quarters on the back of its declining profit, despite its major peers seeing steady upward trends. It remains to be seen how the market reacts to the company’s Q1 performance in the coming week. Its shares fell 0.9% this week, ending Friday’s session at INR 146.25 on the BSE.  Athawale said that Nykaa is also seeing a positive consolidation but investors should wait for the INR 153-INR 155 range breakout. If the stock trades above this level, there could be a possibility of further upside till INR 160-INR 165 in the short term. On the flip side, if the stock falls to its biggest previous support, which is at around INR 143, then there is a possibility of short-term correction till INR 138-INR 137, he added. ideaForge Biggest Loser Shares of drone startup ideaForge plunged 10.8% to INR 985.95 on the BSE this week, touching the lowest level since its listing in July. The fall in shares came after ideaForge reported over 54% YoY decline in profit after tax (PAT) to INR 18.9 Cr in Q1 FY24. The startup’s operating revenue also declined to INR 97.1 Cr in the quarter from INR 99.3 Cr in the year-ago period. Though ideaForge saw its

At I/O 2023, Google announced that its products and services will get artificial intelligence capabilities over time. After rolling out various AI-powered features to Gmail, Docs, Slides, and more, the company may be working on bringing the AI writing and editing feature for Chromebooks. According to 9to5mac, Google has been working on a project that has at least five codenames associated with it, the main three being “Orca,” “Mako,” and “Manta.” The report claimed that “Orca” will primarily appear in ChromeOS’s right-click menu but only when editing a body of text.When selected, Orca will open the “Mako” UI in a “bubble” over your screen, the report said. What does “Mako” do?Citing a code, the report noted that “Mako” has three core tasks: it can “request rewrites” of a particular piece of text; it can offer a list of “preset text queries,” and “insert” the rewritten text wherever you were originally typing.According to the report, this AI rewriting process doesn’t happen locally on the PC, and “Manta” apparently sends users’ original text and prompt to Google’s servers, which send back the AI-enhanced version. It is also noted that users will have to agree to provide consent before the process takes place.Furthermore, by being directly incorporated into ChromeOS, generative AI will be available to improve text written in almost any app. There is no clarity on when the feature will launch, but it may arrive with ChromeOS version 118, scheduled to arrive in mid-October.Microsoft Windows CopilotIt is to be noted that Microsoft, earlier this year, announced Copilot for Windows. It said that the Copilot, which will be similar to Bing Chat, can help users undertake day-to-day tasks such as enabling the dark mode or searching for content from a sidebar that can be accessed at any time.

Trademarks being used as keywords by Google’s search engine for its Ads Programme makes it liable for infringement and no “safe harbour” protection as an intermediary can be claimed, the Delhi high court has said. The The industry body Alliance of Digital India Foundation (ADIF) has welcomed the Delhi High Court’s ruling. “Google is not a passive intermediary but runs an advertisement business, of which it has pervasive control. Merely because the said business is run online and is dovetailed with its service as an intermediary, does not entitle Google to the benefit of Section 79(1) of the IT (Information Technology) Act, insofar as the Ads Programme is concerned,” a bench of Justices Vibhu Bakhru and Amit Mahajan said.HC’s verdict came on an appeal by Google against the order of a single-judge bench on a lawsuit by Agarwal Packers and Movers Ltd, alleging that the use of its trademark and its variations as keywords on Ads Programme resulted in the diversion of traffic from the website of the plaintiff to that of the advertiser, whose bid may have been highest for the keyword. Before 2004, Google’s trademark usage policy restricted trademarks from being used within a sponsored ad’s text. Google’s policy also restricted using keywords that were protected under a trademark if the owner of that trademark requested it. However, Google reduced the restrictions under the policy, which allowed Google to push trademarks as keywords, even if the trademark owner objected. Doing so though risked litigation against Google, Google moved forward as it generates higher revenue coming in as a result of the change in policy.The directive emerged during a hearing by the High Court’s division bench, which was addressing Google’s appeal against a 2021 order issued by the Delhi HC. This earlier order had mandated Google to investigate whether the use of trademarks as keywords for advertisements constituted trademark infringement. In response, Google had argued that it was eligible for safe harbor protection as an intermediary under Section 79 of the Information Technology Act of 2002, a claim that was met with skepticism by the High Court.Rejecting Google’s argument, the High Court observed that Google’s assertion of being a mere intermediary lacked credibility. The court pointed out that Google not only benefited significantly from keyword sales but also actively suggested keywords to advertisers, including competitors’ trademarks. Google’s Keyword Planner Tool was cited as evidence of this practice, enabling businesses to gain insights into their rivals’ trademark usage.The court further noted that there appeared to be a prima facie encouragement from Google for advertisers to exploit keywords associated with trademarks to target their ads. This stance raised doubts about Google’s entitlement to intermediary exemptions. Ultimately, the division bench upheld the previous single-judge ruling, directing Google to undertake investigations and remove any ads found to infringe upon another entity’s trademark rights.

Karnataka State Research Foundation will be established to create a favourable environment for R&D and to spur new startup products, said Boseraju The foundation aims to bridge the gap between startups and other stakeholders and will ease access to research and development The state budget, last month, had proposed the creation of KSRF to effectively monitor and evaluate the implementation of local R&D and innovation policy Karnataka minister NS Boseraju on Saturday (August 12) said that the state government will establish a research foundation to foster R&D in the startup ecosystem.  “In order to create a favourable environment for research and to spur new startup products in the state, the Karnataka State Research Foundation will be established,” said Boseraju while addressing the Indian StartUp Festival-2023 in Chikkaballapur. The foundation, as per the minister, will bridge the gap between startups and other stakeholders and will ease access to research and development. He also invited domain experts and other individuals to offer their insights into the proposed foundation.  Terming R&D important, Boseraju, as per news agency PTI, said that the state government was taking all necessary steps to create an enabling atmosphere, in terms of infrastructure, for startups. This, he said, was resulting in the emergence and growth of different startup sectors in a ‘big way.’ As per the report, he also said that constant R&D in the domain of science and technology was fundamental for the growth of the local startup ecosystem. However, the development is nothing new. The state budget, last month, had proposed the creation of the Karnataka State Research Foundation (KSRF) to effectively monitor and evaluate the implementation of the Karnataka Research, Development and Innovation Policy.  Karnataka is home to the country’s startup capital Bengaluru, which, as per Inc42, counts 1,700 funded startups across a gamut of sectors.  The formation of the KSRF adds to a series of sops announced by the state government in recent months. In his budget 2023 announcements, chief minister Siddaramiah proposed the setting up of a high-tech incubation centre called INNOVERSE as well as an initial allocation of INR 1 Cr for the ‘Propel’ initiative, which aims to speed up the adoption of solutions developed by state-funded startups by local authorities. 

BIS certification was granted to two Jio models – JBV161W1 and JBV162W1 – on August 11 The new Jio phones will likely boast of 4GB RAM, 32GB of internal storage and will be powered by Snapdragon 480 SoC This comes weeks after Reliance recently debuted its Jio Bharat 4G feature phone for INR 999 even as continues full-scale 5G rollout in India Ahead of its upcoming annual general meeting (AGM), oil-to-telecom conglomerate Reliance has received Bureau of Indian Standards’ (BIS’) certification for two of its upcoming models.  As per details seen by Inc42, the two certified models – JBV161W1 and JBV162W1 – have been listed on the BIS website under the brand name Jio. The stamp of approval was granted on Friday (August 11).  The devices conform to ‘IS 13252 (Part 1):2010’ and ‘IS 16333 (Part 3):2022’ mandates which cover the local standards for cell phones. There is no clarity on the specifications of the two models, and may also just be the same model but with different colour options.  This comes amid widespread speculations that Jio is looking to launch a Jio 5G phone later this month. As per a report in the Livemint, the conglomerate will likely unveil the 5G phone at its upcoming AGM on August 28.  According to a separate report in India Today, the new Jio phones will likely boast of 4GB of RAM and 32GB of internal storage and will be powered by Snapdragon 480 System-on-a-Chip (SoC). This is largely in line with a recent listing on CPU benchmarking platform Geekbench, which noted the testing of a similar Jio Phone. The device in question had a Qualcomm Snapdragon 480 Plus processor and, as per Geekbench, potentially 4GB RAM.  Meanwhile, other reports have claimed that the new Jio 5G phone could include a 6.5-inch HD+ and LCD display, a 5,000mAh battery, a 13-megapixel dual rear camera and an 8-megapixel front sensor.  Prior to that, another Jio phone was reportedly tested on the benchmarking platform under model number Jio LS1654QB5, which came with Snapdragon 480-Plus SoC, an Adreno 619 GPU and 4GB of RAM. While details are still scarce, Jio could be targeting the lower-price segment with the new offering. As per reports, the company may price the 5G phone under INR 10,000 with a custom Jio operating system (OS) built on top of Android.  Reliance Jio has made no qualms about its smartphone ambitions. With 5G rollout in full pace, the 5G smartphone launch could help the company further expand the next-generation service to users in non-metros and other parts of the country.  The development comes close on the heels of Reliance recently launching the Jio Bharat 4G feature phone for INR 999. With a slew of new smartphone offerings, Jio is looking to cash-in on the growing adoption of phones in the country. With much expected to unfold over the coming days, it remains to be seen what the exact specifications of the new phones and which segment they target. 

Recently, Reliance Jio announced its new Independence Day offer for the prepaid users. Now, its rival telecom operator Vodafone Idea has announced the Independence Day offer. The Vi Independence Day offer is available for prepaid users and is only available till August 18. Vi Independence Day offerAs part of the Independence Day offer, the telecom operator is giving 50GB of data benefits on all unlimited data recharges above Rs 199. Along with this, the Vodafone Idea subscribers will also get instant discounts of Rs 50 and Rs 75 on Rs 1,449 and Rs 3,099 recharge packs respectively.Apart from this, the service provider will also be running a “Spin the Wheel” contest exclusively on the Vi App. As part of this contest, there will be an assured lucky winner every hour who will win a complimentary recharge pack worth Rs 3099, valid for one year. The contest comes with additional rewards, including 1GB or 2GB of additional data and subscription to SonyLiv, and others.The Independence Day offer is live on the Vi app and users can download the app to avail the offer.How Reliance Jio’s Indepence Day offer compares to ViAs mentioned above Reliance Jio also announced its Independence Day offer recently. The plan is priced at Rs 2,999 and is valid for the period of 365 days. Along with this, the plan offers unlimited calling benefit, 100 daily SMS and 2.5GB data per day. Along with this, the plan also offer the following benefits Swiggy: The plan offers a Rs 100 discount on order value of Rs 249 or more. Yatra: Users can get up to Rs 1,500 discount on flight bookings and up to Rs 4,000 discount on domestic hotel bookings. There’s no minimum booking value here. Ajio: Flat Rs.200 off on order of Rs 999. Offer will be applicable on specified products on this link. Netmeds: 20% off on orders of Rs 999+NMS Supercash. Reliance Digital: Flat 10% on select Audio Accessories. Reliance Digital – Flat 10% on select Domestic Appliances.

Samsung has launched the Galaxy F34 5G smartphone in India. The latest smartphone is now going on sale for the first time in the country. The Galaxy F34 features a 50MP OIS-enabled camera and a 120Hz Super AMOLED display. This smartphone also packs a 6000mAh battery and is available in two colour options. Here are all the details about the smartphone’s sale: Samsung Galaxy F34: Price, availability and offersThe smartphone is available in two colours – Electric Black and Mystic Green. The Galaxy F34 5G comes in two RAM options — 6 GB and 8 GB while it has a single 128 GB storage. The smartphone is available on Flipkart, Samsung.com and at select retail stores.As an introductory offer, Galaxy F34 5G is available at Rs 16,999 for the 6+128GB variant and Rs 18999 for the 8+128GB variant. The offer is available with select bank cards. Customers can also avail of up to nine months of No Cost EMI offers while purchasing the Galaxy F34 5G.Samsung Galaxy F34: Key specsGalaxy F34 5G boasts a 6.5-inch Full HD+ Super AMOLED 120Hz display. The screen is protected by Gorilla Glass 5, supports Vision Booster technology and has 1000 nits peak brightness for improved outdoor viewing. The smartphone is powered by a 5nm Exynos 1280 chipset, backed by up to 8GB RAM and 128GB storage. Samsung Galaxy F34 houses a 50MP main sensor with OIS support and a 8MP 120-degree Ultrawide lens. The smartphone has a 13MP front camera for selfies and video calls. The Galaxy F34 also features Fun Mode with 16 inbuilt lens effects and a Single Take feature that allows users to capture up to 4 videos and 4 photos in a single shot. Samsung Galaxy F34 packs a 6000mAh battery that supports 25W fast charging. Apart from this, the smartphone comes with multiple Galaxy features like Voice Focus which reduces background noise in calls and Samsung Wallet with its Tap & Pay payment feature. The phone offers Dolby Atmos-tuned audio and Samsung has promised up to four generations of OS upgrades and up to five years of security updates. The smartphone also boasts Knox Security for privacy.

The Tripura government has teamed up with the NIC Blockchain Centre of Excellence in Bengaluru for the initiative and is using the latter’s APIs Tripura is using the blockchain-based beneficiary management system to secure approved beneficiary lists, transaction requests, and details of successful transactions Tripura has joined a growing list of Indian states and government agencies using blockchain initiatives across a variety of use cases The Tripura government has started using blockchain technology to secure the data on the state’s beneficiary management system. The state government has teamed up with the NIC Blockchain Centre of Excellence in Bengaluru for this and is using the latter’s APIs. The APIs will allow the state government to store state beneficiary data sets on the blockchain, safeguarding the records and avoiding data manipulation. Tripura is using the blockchain-based beneficiary management system to secure scheme-wise approved beneficiary lists, approved transaction requests, and scheme-wise details of successful transactions. The move is in line with the state government’s mission to promote ‘Digital Tripura’. It has also introduced schemes such as the IT/ITeS Startup Scheme, Data Centre Policy, ITeS Policy and IT incentive scheme as part of its digital push. In a statement, Dr Naresh Babu, director of IT in the Tripura government, said he is keen on exploring blockchain for issuing government-to-business certificates such as licences. He also expressed interest in exploring the Web3 Sandbox offered by the India Blockchain Forum to build and test use cases aimed at citizen and public services and enabling startups to build innovative use cases.  Rising Use Of Blockchain Tripura has joined a growing list of Indian states and government agencies using blockchain initiatives across use cases such as e-governance, healthtech, agritech, fintech, edtech and more. States such as Telangana, Karnataka and Tamil Nadu have introduced several initiatives, including initiatives for blockchain property registration, Web3 regulatory sandbox and blockchain policies. In December 2021, the Ministry of Electronics and IT (MeitY) published the National Strategy on Blockchain, a 52-page document on the government’s plan to adopt blockchain. MeitY also introduced a five-year plan to implement blockchain across several industries under the National Blockchain Framework (NBF). According to a joint report by Deloitte and the Federation of Indian Chambers of Commerce & Industry (FICCI), there are multiple use cases for the blockchain in the public domain. Some of these use cases include health records, digital certificates, land registries, voting, smart contracts and academic certificates. Last year, Finance Minister Nirmala Sitharaman called the blockchain technology imperative but also flagged anonymity as a risk. Earlier, Reserve Bank of India Governor Shaktikanta Das called for global regulations for blockchain as it transcends boundaries.

Connect with Mr. Ajit Garg https://www.linkedin.com/in/ajit-garg-bb578618/ Mr. Kapil (KK) https://www.linkedin.com/in/kapil-kumar-kk-9bb5452a/ CROSSROADTIMES – 🎉 Introducing “Pivot Point,” the series that ignites your journey to success! 🌟 🎙️ Join host Mr. Kapil Kumar, a visionary entrepreneur and growth expert, as he engages in an enlightening conversation with our distinguished guest, Mr. Ajit Garg, the Asia Pacific Head of Wipro and a telecom legend. 🚀 In this episode, we dive into the art of “Innovation & Transformation” with Ajit Garg, a seasoned leader who has steered the course of the telecom industry. Discover how innovation has been a game-changer, propelling Ajit and his team to lead groundbreaking projects. Tune in to explore the dynamic world of telecom and how strategic pivots can revolutionize the business landscape. 💡 From 8-hour interviews at Reliance to navigating spectrum challenges, we uncover the fascinating twists and turns in Ajit’s incredible journey. His insights on conquering challenges, staying ahead of the curve, and the essence of resilience will inspire every aspiring professional. Timecodes :- 0:00 – Introduction: Meet our guest, their journey, and experiences. 00:58 – Life Transitions: Overcoming life challenges. 03:20 – Government Company Culture. 08:30 – First Challenge at ITI: Initial hurdles as an engineer. 13:40 – Challenges in Live Project. 20:20 – Game Changer in ITI History. 31:50 – Becoming the first employee of Aircel UP East. 32:20 – PAN India Launch: Aircel’s ambitious plan. 33:50 – Reliance Interview: An 8-hour interview experience. 35:05 – Uninor Spectrum Challenge: Supreme court order and its impact. 36:00 – Licence Cancellation: Government’s decision affecting Uninor. 40:08 – From Engineer to CTO: Insights on the journey to becoming a CTO. 42:15 – Advice for Young Entrepreneurs: Words of wisdom. 45:50 – Closing Note: A fun surprise! #podcast #Leadership #Innovation #SuccessStories #TechTalks #TelecomLegends #Entrepreneurship #IndustryInsights #Inspiration #BusinessJourney #TechnologyRevolution #TelecomInnovators #wipr About Crossroadtimes :- We believe in empowering you with the knowledge and strategies to unleash your full potential. Whether you’re an aspiring entrepreneur, a go-getter looking for inspiration, or an industry expert seeking valuable tips, this channel is your ultimate resource. 🎥 Each video is carefully crafted to provide you with actionable advice, thought-provoking discussions, and real-life experiences that will elevate your business and personal life. 🔔 Hit that subscribe button and ring the notification bell so you never miss a moment of our content. Join our vibrant community of like-minded individuals and be part of a journey that leads to success, fulfillment, and continuous growth. 🌟 Let’s thrive together, overcome challenges, and celebrate achievements as we navigate the path to greatness. Are you ready to embrace the limitless possibilities? Subscribe now #CROSSROADTIMES and let’s unlock your potential together! 🚀✨ ——————————————————————————— ✅ Follow Crossroad Times Social media Handles :- Facebook :- @crossroadtimes https://www.facebook.com/crossroadtimes Instagram :- @crossroadtimes https://www.instagram.com/crossroadtimes/ Linked.in :- @crossroadtimes https://www.linkedin.com/company/crossroadtimes/ Twitter :- @crossroadtimes Tweets by CrossRoadTimes 🎉 Calling all Achievers and Visionaries! 🌟 If you have a remarkable success story to share, an inspiring journey that the world needs to hear, or valuable insights that can ignite growth, we want to hear from you! 📩 Contact our passionate podcast team at crossroadtimes@gmail.com and let’s create magic together! 🎙️ Whether you’re an accomplished entrepreneur, an industry trailblazer, or someone who’s overcome significant challenges, we’re eager to showcase your achievements and inspire our global audience. More :- WWW.CROSSROADTIMES.COM source