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Sunday, 28 November 2021

About rain forecast

About rain forecast


 The environment of the house used to be deadly strict those days. Our parents would leave no chance to remind us that we were supposed to study hard for the board exams. We, on the other hand, were as careless as we had always been. Due to this strict attitude of our parents, we used to be reluctant to stay home and would try to spend as much time as we could outside just to have some more time to stay away from books and enjoy. I and my friend, Vinesh (a.k.a. Vinna) used to live in neighboring areas (or sectors, as they are called in my hometown). So we would always go to tuition and come back together on our bicycles.


We would reach an hour or more before the scheduled time and come back late as well just to kill as much time as we could outside the danger zone, that were our homes. As an added benefit, our parents would think that we were devoting extra time to Maths as it was a difficult one. We were not given mobile phones by then, which was a big relief in itself.


There was a railroad crossing on our way that was famous for being almost always closed for vehicles due to the high frequency of trains on that route (now, they have constructed an over-bridge on it).


However, as can be easily expected from impatient Indians like us, everybody and everything excluding cars and other heavy vehicles would usually pass through from under the post with a little hassle even when it was closed. So there was no problem for any kind of two-wheeler vehicle to cross it under any circumstances.


 વરસાદ વિશેની આગાહી વિશે જાણવા અહીં ક્લિક કરો 

On our way back home, we used to stop our bicycles at the crossing and look at the trains passing by. We would debate on the estimated speed of the train passing by. When one train would pass and the post open, instead of crossing the railroad, we would decide to wait for one more train so that we could have more time for our important discussion over train speeds and so on until at least 4 to 5 trains would pass. That was a really great pastime for us and we just loved doing it every day religiously.

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How the bullet train was brought to India, the dream of bullet train will be fulfilled soon


How the bullet train was brought to India, the dream of bullet train will be fulfilled soon

This approach makes sense to most citizens, but in practice it will require overcoming years of ingrained assumptions about the proper roles of the federal, state and local governments in providing America's children with a quality education.


Title I came into being as part of the landmark ESEA (Elementary and Secondary Education Act) of 1965 and remains the centerpiece of the federal role in public education. Its purpose always has been commendable: to boost academic performance of poor and disadvantaged children and reduce the performance gap between rich and poor students. Despite this clear and present commitment, Title I has failed to deliver the results it promised. The academic achievement of disadvantaged students has not been significantly improved, and the performance gap between rich and poor has not been significantly narrowed.


Perhaps the most glaring example of a critical area where Title I efforts have failed to produce results is reading. Despite a purported emphasis on reading and language arts, reading preparedness in our schools is severely lacking. A great deal has been learned about how and when to focus on reading and reading readiness. This research indicates that the quality of early childhood literacy programs predicts later reading success and language development, and offers greater potential for overall academic success.


This legacy of failure results largely from misplaced priorities and flawed design. Chief among these shortcomings are a focus on process rather than results, a proclivity for funding school systems rather than children, and a design that leaves parents on the outside looking in as decisions are made that affect their children's education and future.


In many states, nearly 39 percent of state education department staff are required to oversee and administer federal education dollars, though they account for only about 8 percent of total spending. A needed focus on improving the academic performance of disadvantaged children has taken a back seat to demands that money be spent in dictated categories and that mandated processes be meticulously followed and accounted for. Though the federal contribution to education is small, it has a dramatic effect on state and local policies. Today, more and more, that effect is slipping from positive to neutral to harmful.


Bureaucratic micro-management of inflexible and burdensome regulations never will improve the education of a single child. Washington must recognize the proper role of state, local and school leaders to set priorities and make decisions on how to achieve educational goals. It also must recognize the primacy of parents as children's first and most important teachers.


In exchange for this freedom and flexibility, state and local officials should be held accountable for delivering results for all children. Meaningful accountability requires clear and measurable standards, and annual assessment of student learning at the state level. On this basis, there should be rewards for success and real consequences for failure. This point is critical to assuring that all children, regardless of income or location, receive the quality education they deserve.


If our democracy is to endure and prosper, we cannot continue to tolerate two systems of education - one of high expectations for the children of the fortunate and one of lesser standards for children of poverty and color. What is most important is that it need not be this way.


 બુલેટ ટ્રેન વિશે જાણવા અહીં ક્લિક કરો 

It is a matter of faith among all educators that the involvement of parents is a vital component of educational success, particularly among disadvantaged students. Yet, as currently configured, the system denies parents the opportunity to take action on behalf of their children when schools fail them. Federal policy has more than a little to do with that denial.


It is a matter of justice that parents should have the ultimate authority to decide what type of education their children receive and that federal dollars - like state and local dollars - should follow the lead set by parents.

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The world's unique underwater bridge. The world's unique bridge

The world's unique underwater bridge.

The world's unique bridge

Banks lend money to the public, for various purposes, like purchase or construction of a home, for purchase of consumer goods like a TV, Music System, etc. Banks also finance businesses, both manufacturing and services. Apart from all these, they also extend personal loans to members of the public.


This service provided by Banks, namely, financing, or more commonly called lending, is fraught with several inherent risks. Loan defaults may occur for more than one reason, including reasons beyond the control of the borrowers, like for example, in case of floods or a Tsunami that may wipe out the assets of the borrower, apart from rendering him incapable of restarting his business immediately. The most serious risk to Banks in the lending process is the risk of non payment of the loan by the borrower. Imagine a situation where none of the borrowers of Banks repay the loans availed of by them! This could lead to a collapse of the Banking industry!


The current spate of Bank failures in America and elsewhere is, in good part, on account of borrower defaults. Whereas, in an ideal situation, every borrower repays the loan availed by him, from the Bank, in real life, this does not happen. Many a time, borrowers, both individuals and institutions, fail to keep up their repayment commitments, affecting the well being of the lending Bank. Sometimes, there are even genuine reasons why borrowers become defaulters.

 

This being the case, Banks invariably, have in place, norms and procedures that they follow before parting with money to a borrower. Banks examine and evaluate credit proposals, as to their viability and feasibility, both technically and financially, before taking a decision to grant a loan. Each loan is appraised individually to ascertain the soundness of the proposal and only then a decision to grant a loan is taken. Obtaining of security for loans is one of the safeguards that Banks exercise to secure their interests.Among the various precautions observed by the Banks to safeguard their interests in the lending process, is the obtention of security for the loan extended by them.

 

Definition of Security: Security, in relation to a loan extended by a Bank to a borrower, means, an asset, of any kind or description, having certain qualities, among them, monetary value, that can be possessed by the Bank, in the event of default, and applied toward repayment of the loan.

 

Having extended the loan to the borrower, Bank would naturally like to ensure that the loan is repaid with the interest thereon. That is, Bank would want to secure the loan. This is done by way of creating a charge against the asset financed by the Bank. The type of charge created depends on the nature of loan, and the security.

 

Basically, there are two types of securities available to Banks to secure a loan. They are Primary security and Collateral security.


The world's unique બ્રિજ જોવા અહીં ક્લિક કરો 

Primary Security refers to the asset directly created out of Bank finance. For example, where a Bank finances the purchase of a home, the home is the primary security. In the same way, a car purchased with the help of a Bank loan, is the primary security for that loan. Bank creates a charge against this primary security, to secure its loan. This charge gives the Bank the legal authority to dispose off the asset, and apply the proceeds therefrom, to the loan amount in default.

 

Collateral Security refers to certain additional security obtained by the Bank to secure the loan.   For example, say, a Bank has financed the purchase of machinery by a Pharmaceutical manufacturing company. This machinery would be the primary security for this loan. In addition, the Bank may obtain collateral security in the form of the factory building owned by the company, as additional security. This will guard Bank's  interests in the event of the primary security not having sufficient value to liquidate the loan.   Sometimes, on account of adverse market conditions, the value of the primary security gets eroded, exposing the Bank to a higher risk than it had originally bargained for.

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Saturday, 27 November 2021

Why is the English name of India India?

 Why is the English name of India India?

The focus on affordable housing in India has considerably increased in the recent years due to the various incentives and schemes which are being backed by the government. Also, as an icing on the cake, the home loans have become cheaper. So, this is indeed a high time when several investors and home buyers are purchasing the affordable housing in India. The Union Budget of 2017 announced the affordable housing to be the primary base of developing the "infrastructure" in the country. The businesses which are engaged in offering affordable housing are liable to receive cheaper loans from different nationalized banks and also certain tax concessions. Moreover, there are several foreign funding pouring in which is significantly boosting the infrastructure sector in India. With this particular move, the Indian government is aiming to provide the infrastructure sector in India a major fillip.

There are several property buyers in India who dream of owning their own houses within an affordable budget. Some of these buyers aim in purchasing the affordable housing for residential purposes whereas some intend to purchase these properties as an investment avenue. In case you are one of the many Indians who is planning to purchase an affordable housing, then it is high time to thoroughly analyze this before purchasing.

According to a survey report published by reputed real estate consulting firm Monitor Deloitte, the affordable housing projects are a very profitable business proposition for the developers. In most of the prominent cities in India like Mumbai and Delhi, the internal rate of return (IRR) is 45% and there is a gross margin of 24%. Thus, taking up affordable housing projects by the developers is a lucrative proposition for them. Needless to say, there are many private builder organizations that are entering this segment rapidly in the recent years.

Special initiatives for boosting the affordable housing in India

Some of the recently taken initiatives by the union government in India in regards to affordable housing during the Union Budget are discussed in the below pointers:

• Previously developers used to often complain about the high-interest rates which they were required to pay on their borrowings for developing the real estate projects. The infrastructure tag which has been introduced by the Indian government which facilitate the developers and builders to borrow at much lower and attractive rates for developing the affordable housing projects.

• Apart from the Union budget proposed 'infrastructure tag', there have been several allocations, and there are several housing schemes which have been introduced by the government in India. One of the major and most popular investment schemes which the increased budget for the affordable housings is the Pradhan Mantri Awaas Yojna. The budget of this government housing scheme has been increased from Rs.15,000 crore to Rs. 23,000 crore in the financial year 2017-2018. This is an increase which is as high as 50%.



 વિડિયો જોવા અહીં ક્લિક કરો 

• In order to boost the housing investment even further, the tenure for the long-term capital gains has been considerably reduced from a three years term to a two years term. Hence, if you are willing to purchase a property in an affordable housing for investment purpose, you can sell the property just after two years and then still claim for some long-term capital gains which have got indexation benefits. This would also encourage several people who are looking at properties with low and medium-term investments.

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health tips updates


health tips updates


In today's scenario, every person wants a healthy lifestyle. A healthy lifestyle is one which helps to maintain and improve people's health and well-being or we can say how you can maintain a balanced and nutritious diet. There are many such factors that affect your health, some of them that you can't control such as your age or genetic makeup but you can bring changes in your lifestyle. By taking a few steps towards a healthy life, you can protect yourself from various types of diseases such as cancer, heart disease, or other serious disorders.

Along with a healthy lifestyle, you can only get positive waves out of it, like better feeling, have more energy to do some interesting, more relaxed, looking good, have a nice toned body, strong muscles, healthy and beautiful hair and skin, and you will always be happy and you feel positivity in all around.

A person who is healthy and takes care of themselves that person doesn't smoke, tries to maintain a healthy weight, eats healthy food with plenty of fruits, vegetables and fiber and exercise on a daily basis. And the healthy person also knows how to manage stress, doesn't drink too much, and also gets good quality sleep each night. Basically, he/she does everything in moderation all the time. So, if you live a healthy life then you should take a step forward for a better change in your life. But, you don't have to change everything at the same time, have to make small changes in order to proceed in healthier lifestyle such as adding fruits to your meal and go for a walk every day etc. So, there are different ways to maintain a healthy lifestyle:

• Eat a balanced diet with lots of fruit and vegetables:
Eat three meals a day (breakfast, lunch, and dinner), and definitely include fruits and vegetables with your meal. Because fruits and vegetables are very important to us, they give us vitamins, minerals, and fibers. For example, a full glass of fresh fruit juice at breakfast, an apple, and different vegetables at each meal.

• Drink water daily:
A person should drink at least 2-3 liters of water a day. Because drinking water has many advantages, such as reducing weight, for hair, for our skin, etc.

• Do exercise daily:
Exercise is very important for every person's life. You can do many types of exercises every day, such as cleaning the house, gardening, going for a walk, cycling, stairs climbing etc.

• Reduce the quantity of salt and sugar:
Consumption of excess salt in the food can cause high blood pressure, so we should use less salt. And sugar gives us sweetness, but this can lead to diseases like diabetes. So we should use the minimum of sugar as well.

• Use grains in your diet:
Use more grains in your diet because they not only provide the necessary nutrients to keep you and your family healthy and strong, but there is also dietary fiber in whole grains, which helps in reducing heart disease, cancer, diabetes.

• Don't smoke:
Smoking is harmful to our health because it increases the risk of lung cancer, kidney cancer, and heart attack, etc.

Avoid foods that are bad for your healthy lifestyle:

• You have to avoid sugary drinks.
• Avoid pastries, cookies, and cakes.
• Ice cream is the most delicious foods but it is not good for your health, so avoid it.
• Avoid oily food like French fries and potato chips etc.
• Avoid drinking too much alcohol.


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