क्या हम इसे घोटला समजे ??

ये पोस्ट किसी सरकार या वैयक्तिक रूप विरोधी नाही है और ना हि किसी के समर्थन मे है । केवल वैक्सीन के बारेमे सही खुलासा क्या है ये जानना हम सभी नागरिकोकी मांग है । सवाल चाहें जितने हों, जवाब जवाब की तरह नही मिल रहे है ।

देखिये एक रिपोर्ट ।

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Learn to repair Home Appliances in Lockdown. (Free Course in Hindi)

We as a whole are discovering a few or different open doors for “Work From Home” or to keep ourselves occupied that might be additional earning source in current Lockdown. More often than not it's hard to identify such open doors inside the door, as each family today has the unit or the appliances that need to be fix or repair or to be serviced periodically.

We are please to introduce small crash course for all our registered Smart Employment Card members to learn servicing and repairing of their home appliances such as Tube Light, Fan, Mixer, Electric Iron, Washing Machine, Cooler etc. The Course is designed in Hind from easily understandable resources and has covered testing of Internal Parts, Fault Finding, Replacing the entire wiring of below commonly used home appliance in every household.

Course Contain

• Tube Light
• Electric Iron
• Ceiling Fan
• Table Fan
• Mixer
• Washing Machine
• Cooler

Any fresher candidate can easily learn this course and even can start with his own small business.

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शासकीय सेवेचे स्वप्न पाहून ते पूर्ण करण्यासाठी सातत्याने स्पर्धा परीक्षा देऊन प्रयत्न करणाऱ्या उमेदवारांच्या प्रयत्नांना महाराष्ट्र लोकसेवा आयोगाने (एमपीएससी) कमाल संधींची मर्यादा घातली आहे. केंद्रीय लोकसेवा आयोगाच्या (यूपीएससी) धर्तीवर एमपीएससीने कमाल संधीं निश्चित के ल्या असून, खुल्या गटातील उमेदवारांना कमाल सहा संधी, उर्वरित मागास प्रवर्गातील उमेदवारांना कमाल नऊ संधी मिळतील. तर, अनुसूचित जाती आणि अनुसूचित जमाती प्रवर्गातील उमेदवारांना कमाल संधींची मर्यादा लागू नसेल.

आतापर्यंत उमेदवारांना स्पर्धा परीक्षा देण्यासाठी ‘एमपीएससी’कडून संधी निश्चित करण्यात आल्या नव्हत्या. त्यामुळे अनेक उमेदवार सातत्याने स्पर्धा परीक्षा देऊन प्रयत्न करत राहतात. मात्र यूपीएससीकडून उमेदवारांच्या परीक्षा देण्याच्या कमाल संधी निश्चित करण्यात आल्या आहेत, त्याच धर्तीवर आता ‘एमपीएससी’नेही उमेदवारांच्या परीक्षेच्या संधी मर्यादित केल्या आहेत.

महाराष्ट्र लोकसेवा आयोगाने परीक्षेला बसण्यासाठी कमाल संधींची जी मर्यादा आखून देण्याचा निर्णय घेतला आहे, त्याचे स्वागतच केले पाहिजे. याचे कारण आयुष्यातील ऐन उमेदीची अनेक वर्षे स्पर्धा परीक्षांच्या तयारीत घालवणाऱ्या महाराष्ट्रातील विद्यार्थ्यांची संख्या दिवसेंदिवस वाढते आहे. कोणत्याही प्रकारची अतिरिक्त रक्कम न देता पात्रतेच्या निकषांत बसणाऱ्या कोणालाही ही परीक्षा देता येते. अगदी घरी बसून अभ्यास करणाऱ्यासही या परीक्षेत यश मिळवण्याची संधी असते. अन्य कोणत्याही व्यावसायिक अभ्यासक्रमांच्या प्रवेशासाठी असणाऱ्या अटी, महाराष्ट्र लोकसेवा परीक्षेसाठी असत नाहीत. तसेच प्रचंड शुल्क देऊन आपला प्रवेश निश्चित करण्याचीही आवश्यकता नसते. सर्वात महत्त्वाचे म्हणजे, या परीक्षेनंतरची निवड प्रक्रिया पार पडल्यानंतर सरकारी नोकरीची शाश्वती असते. सामाजिक व्यवस्थेतील ‘प्रतिष्ठा’ या नोकरीने मिळण्याची हमी असते. एके काळी लाल दिव्याच्या मोटारीचे जे प्रचंड आकर्षण होते, ते अद्याप कमी झालेले नाही. जगण्याच्या वेगवेगळ्या परिस्थितीतून विद्यार्थी या परीक्षेत उत्तीर्ण होण्यासाठी आपला कस लावतात, त्यांना प्रशासनात जाऊन काही बदल करण्याच्या शक्यतेचेही आकर्षण असणे स्वाभाविक असते. त्यामुळेच महाराष्ट्रातील सुमारे १२ ते १५ लाख विद्यार्थी कष्ट करून आपले नशीब अजमावण्यासाठी दरवर्षी ही परीक्षा देत असतात. हा आकडा मोठाच, परंतु त्यातील यश मिळवणाऱ्यांचे प्रमाण अत्यल्पाहूनही अत्यल्प. पहिल्याच झटक्यात उत्तीर्ण होणाऱ्यांची संख्या तर त्याहूनही कमी. त्यामुळे पुन:पुन्हा या परीक्षेसाठी तयारी करत राहायची आणि यशाची वाट पाहायची, अशी परिस्थिती निर्माण होते. गेल्या काही दशकांत या परीक्षांसाठीच्या ‘कोचिंग क्लासेस’चे तर पेवच फुटले आहे. राज्यातील मोठय़ा शहरांमध्ये अशा क्लासेसमध्ये प्रवेश मिळवणे हीदेखील एक अवघड बाब होऊन बसली आहे. उत्तम शिक्षक, परीक्षेसाठी आवश्यक ती पुस्तके , शिवाय खास विद्यार्थ्यांसाठी तयार केलेली मार्गदर्शक पुस्तके यांमुळे ग्रामीण भागातून शहरांत केवळ या परीक्षांचा अभ्यास करण्यासाठी येणाऱ्या विद्यार्थ्यांची संख्या प्रचंड असते. साहजिकच त्यांची राहण्याची, जेवण्याची व्यवस्था करण्यासाठी वसतिगृहे आणि खाणावळी यांचीही व्यवस्था निर्माण झाली. ही एक मोठी आर्थिक उलाढाल राज्यात होऊ लागली आहे.

मुलगा मोठा साहेब होणार, या कल्पनेने मोहरून जाणारे पालक आपला जमीनजुमला विकू न, प्रसंगी कर्ज काढून मुलाला शहरात पाठवतात. शहरी वातावरणात रमलेल्या विद्यार्थ्यांना अभ्यासाबरोबरच अन्य आकर्षणे निर्माण होणेही स्वाभाविकच. पुन:पुन्हा परीक्षा द्यावी लागल्याने परत गावाकडे जाणे विद्यार्थ्यांना प्रशस्त वाटत नाही. परिणामी काही वेळा त्यांना निराशा आणि वैफल्याच्या अनुभवाला सामोरे जावे लागते. स्पर्धा परीक्षांकडे वळताना अन्य पर्यायांचाही विचार करणे त्यासाठी अतिशय आवश्यक असते. महाराष्ट्र लोकसेवा आयोगाने यापुढे सर्वसाधारण गटातील विद्यार्थ्यांना सहा, तर उर्वरित मागास प्रवर्गातील विद्यार्थ्यांना नऊ वेळा संधी देण्याचा निर्णय घेतला आहे. सहा किंवा नऊ वेळा परीक्षा द्यावी लागणे हे कठीण असले, तरीही आत्मपरीक्षण करण्यास प्रवृत्त करणारे आहे. पहिल्या काही प्रयत्नांतच ही बाब लक्षात आली, तर अन्य अभ्यासक्रमांसाठी वेळ देण्याचा विचार तरी शक्य होईल. सगळ्यात महत्त्वाचा मुद्दा असा की, ज्या प्रचंड संख्येने विद्यार्थी या परीक्षेसाठी प्रयत्न करतात, तेवढय़ा नोकरीच्या संधी सरकारी व्यवस्थेत आहेत तरी का? दिवसेंदिवस सरकारी नोकऱ्यांचे प्रमाण घटत असताना, ऐन उमेदीतील महत्त्वाचा काळ या नोकरीच्या आमिषापोटी घालवणे किती सयुक्तिक, याचा विचार राज्यातील युवकांनी केला तर त्यांचे भविष्य अधिक सुरक्षित होण्याची शक्यता अधिक.

सौजन्य - टीम लोकसत्ता

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Ganesh Chaturthi is here and not everyone is excited. Some revel in the festivities, the adorned Ganpati pandals, the hustle and bustle and the modaks!  But others don't see the festive spirit and believe that even Ganesh would get frustrated in the traffic and chaos that the occasion brings. Some also worry about the environmental damage that visarjans cause every year. Pollution has always been a sensitive subject when it comes to Ganpati celebrations. Noise pollution and disruption of daily activities has been another issues, especially for the city folk.

Ganeshutsav mandals are dominated by local politicians and small-time goons. The collection of contribution is sometimes done by coercion; a recent ruling by the Bombay High Court had termed it as such. An unfortunate common occurrence during Ganeshutsav is eve-teasing. Despite steps taken by the police, mandals and vigilant citizens, there are still enough instances for women to feel unsafe.

Another major issue is that of pollution. Many mandals put up loud speakers in their displays whose volume levels are often much beyond the prescribed limit of 65 decibels, causing sound pollution. The submergence of the idols made of plaster of Paris (which is insoluble) and synthetic colour damages the river eco-system. The Ganeshutsav also compounds traffic problems in cities which are already over-burdened. Displays are built on roadsides, and often encroach onto streets. The processions also create bottlenecks. This is the source of great inconvenience to commuters.

So what do you think about Ganesh Chaturthi? Do you think it's the people, and not the festival that's accountable? Do you think eco-friendly Ganpati's can stop this trend? Do you think stricter laws need to be in place to keep the festivities in check?

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Tech giant Google has launched its virtual visiting card feature called 'People Cards' in India. Now Google search results of a person will throw up links to their personal websites, contact details and social media profiles.

People Cards is aimed at helping individuals, influencers, job seekers and freelancers who want to be discovered and expand their reach on the search engine

"Google has launched the feature in India to aid business owners and sole proprietors who are looking to build their online presence amid the Covid-19 outbreak and also because the region's affinity to search their own names," said Lauren Clark, product manager for Search at Google during a virtual event. "The profile's photo, profession and location displayed will help the searcher differentiate individuals with the same name," she said.

In order to create a card, one has to sign into their Google account, search for their name or “add me to Search” and tap the pop-up box that appears. To start building your people card, people can choose to include the image from their respective Google account, add a description of themselves, links to their website or social profiles and even add a phone number or an email address.

India has become the testing ground for products and features of global technology companies. Last month, Instagram started testing its short-video feature 'Reels' to fill the void created by Chinese apps TikTok, one of the apps banned by the government over national security issues. Even Google's Bolo, a language learning app for children, was launched only in India before a global rollout in more than 180 countries and rechristened as 'Read Along' in 9 different countries

The feature will appear only on mobile-based searches in the current phase and will be authenticated with the user’s mobile number. The user will have complete control of the information that gets displayed on the card and can opt-out of the feature anytime, which will stop their details from appearing in search.

To make sure there are no impersonators or fake profiles, Google said it has put protections and controls in place such as mechanisms to prevent abusive or offensive content and allowing only one people card per Google Account.

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Covid-19 has not only had an impact on the health of people at large, the economic damage that it has rendered and will continue to render may be more damaging than the disease itself. During the course of this pandemic, businesses continue to be significantly impacted, liquidity remains tight and so does the scale of operations. New strategic alliances or business partnerships are dwindling during the period. COVID-19 has certainly impacted the Indian economy to a great extent. The government is focussing on meeting hyper demand for essential items like healthcare infrastructure and facilities while non-essential items are seeing a steep decline. On top of that, the restrictions on movement imposed by the Government for the purpose of containing the virus have forced many sectors to pull their shutters down.

Even though the recovery of the underlying economy will be slow, but now most sectors have accepted this to be the new normal. While the overall economy has taken a hit because of the government lockdown, some sectors have converted this threat into an opportunity and are set to see immense growth in the post-COVID era.

• Digital & Internet Economy: During the course of the pandemic, people have started using digital medium for work commitments, education, and entertainment. Online platforms for work meetings have seen a massive rise in popularity. , Meeting and Video calling Applications have come up with innovative features making it conducive for professionals to work from home. This has also facilitated Schools and universities to start online education and assessments. The lockdown has restricted events that require a massive gathering of people like sports, music festivals, theatre, movies etc. resulting in these sectors taking a hit. Due to which online platforms for digital content has become a huge hit with many movies and shows seeing digital release instead of theatrical release. Due to lockdown, this sector has really seen a boom time like never before.

• FMCG & Retail: This sector has seen a growth in this tough time. With continued fear of complete lockdown, food-based retail chains and essential commodity providers have emerged as winners. Given the heightened need of healthy food and immunity-boosting products among consumers have further broadened the scope for the companies in the product segment. These companies are revamping their growth strategies with a focus on providing a value proposition to consumers in existing categories, launching new products in the food and health categories, enhancing the direct distribution reach in the rural market, door to door services, etc. which will help them to achieve the growth in the medium term. By this, companies have been trying to broaden their product portfolio and reducing dependence on seasonal offerings.

Leading brands like Dabur, Patanjali, Zandu and other organic brands have launched more products and variants in the health food segment. The lockdown and social distancing requirement has forced consumer behaviour to shift from eating outdoors to home-cooked food or ready to eat items. Also, the deadly virus has led to the growing need for quality immunity building products like chawanprash and immunity-boosting health drinks. A number of these initiatives were already in the queue but as per the situation demanded these companies have taken the opportunity for the expansion and launched new products.

• Specialty Chemicals: Increased need for cleansing and sanitation has catapulted the demand for hand sanitizers, disinfectants, and surface cleaners. India’s largest fast-moving consumer goods (FMCG) companies have rolled out a range of home cleaning, disinfectants, and personal hygiene products as they anticipate a surge in demand for such items amid the COVID-19 crisis. Companies such as ITC Ltd and CavinKare have rolled out surface disinfectants. ITC has launched a Savlon-branded surface disinfectant spray, after a hand sanitizing liquid, Savlon Hexa. Also, Marico Ltd announced to launch of ‘Veggie Clean’, a fruit and vegetable wash.

Also, the increased demand for the disinfectants, drugs, and medicines due to the pandemic, has given an opportunity to the organisations manufacturing chemicals required for manufacturing these. Hence organisations dealing in chemicals are expected to see a spike in demand owing to increased demand for disinfectants, drugs, and medicines by the customers.

• Healthcare Sector: Healthcare sectors have faced hardships owing to the lockdown and all non-emergency treatments taking a back seat. But this sector shall see immense investment in the aftermath of the pandemic. The world would now realise that the threat of a pandemic is very real and investment in the sector to safeguard will be done in the near future. The rife spread of the virus has warranted people to take precautions to save themselves from this deadly disease. Demand for certain medical devices like oximeters, Personal Protective Equipment (PPE) kits, and masks have seen a rise as infected patients with mild symptoms under self-care and isolation need these basic devices for self-monitoring.

The market to the above-specified sectors is expected to see growth owing to this pandemic. Some are converting this into an opportunity by changing their product mix. New brands are coming up with essential supplies like hand sanitizers and disinfectant cleaners. While these brands are taking advantage of this opportunity, established brands that have built trust over the years are leading through this rat race.

The world has seen something like never before. The COVID-19 crisis has ultimately lead to an emergence of new FMCG products, a change in consumer behavior, and a shift in the market’s focus on health protection and hygiene. In order to get the business and economy back on track, the companies are moving forward by taking the situation of the pandemic as an opportunity. Some are coming up with innovative ideas and resultantly getting the first-mover advantage, whose impact will entertain a long-lasting impact on the market.

For the survival of the business, growth plays a vital role and it depends on its internal environment and external environment. The internal environment is the strength and weakness of the business entity whereas the external environment lists all factors which affect the business which is uncontrollable. The trick lies in playing with the uncontrollable factors eventually budding them into opportunities.

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A Memorandum of Understanding (MoU) does not bind the parties involved in the agreement and does not even act as legal evidence in case of the failure of keeping promises mentioned in the Memorandum of Understanding.

A Memorandum of Understanding (MoU) simply represents that two or more parties are willing to work on something together, and it can be referred to as the first step towards getting into a legal contract. A Memorandum of Understanding (MoU) can be drawn on a napkin or can be a detailed written document after the full day meeting between two or more parties. Memorandum of Understanding (MoU) is used often used in international pact negotiations and also used in the business world for merger and acquisition talks.

Most of the time, A Memorandum of Understanding (MoU) is confused with other similar agreements such as Memorandum of Agreement or Letter of Intent. But in legal terms, all of these serve the same purpose, and there is not much difference between them on the legal level. Moreover, In the United States of America, Memorandum of Understanding is a synonym to the Letter of Intent.

Like I mentioned before, Memorandum of Understanding (MoU) can be a concise and small written document, or it can be a long and detailed document, but irrespective of its length and detail it states the mutual expectations of the parties involved along with their acceptance of the expectations mentioned in the Memorandum of Understanding.

A memorandum of Understanding (MoU) is less official than a contract, which means parties can’t sue legally each other if a breach takes place, and it is more formal than a handshake agreement or a gentleman’s agreement.

How a Memorandum of Understanding (MoU) works?

When two or more parties sign a Memorandum of Understanding, it shows the hint of agreement between the parties involved, and they are willing to move forward and work together. A memorandum of Understanding (MoU) is prepared before signing a final contract. It consists of all the details of the contract before a final legal contract. Therefore, It is not wrong to say that a Memorandum of Understanding is an agreement before a final agreement. A memorandum of Understanding (MoU) is a straightforward and simple document which states the conditions, needs, and wants of both parties. It is wise to prepare a Memorandum of Understanding rather than just writing pointers plainly on a paper. This makes the conversation between the two parties more formal, and they know they whatever they are saying is being documented, and this makes them pay more attention to the meeting.

Sometimes, a memorandum of Understanding (MoU) is prepared by making notes of a conversation between two parties. This method of writing a Memorandum of Understanding is adopted when two government bodies or senior management of large business organizations interact with each other.

A memorandum of Understanding holds power because of the time and energy invested in the preparation of it and helps in makes the further process smooth and free of any confusion, such as, after the preparation of the first draft, parties can meet and discuss on the points mentioned in the memorandum of Understanding (MoU) to make a final contract and minimize the confusion

Even though a Memorandum of Understanding is not a legal document but along with negotiable points mentioned by both parties, it also contains information like contact information of both parties, dates for performance review, processes involved for dispute resolution, begins date, and expiry date of the Memorandum of Understanding. Moreover, if you want, you can also include privacy statements, disclaimers, and restrictions on the Memorandum of Understanding (MoU). In the last, it is duly signed by the parties involved.

In simple words, we can say that a Memorandum of Understanding helps in keeping track of everything mentioned in a meeting without missing anything, and it makes the further process of creating a final contract smoothly.

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Microsoft has introduced a new Your Phone app that will help users access their Android phone apps directly from their desktops running Windows 10. With this, the users will soon be able to run multiple Android apps like Facebook, WhatsApp or Twitter side by side. The new Your Phone app would arrive first on newly-launched Samsung Galaxy Note 20 devices and other devices later.

The apps experience in Your Phone is gradually rolling out only to Windows Insiders on a PC that is configured to be in the Dev, Beta, or Release Preview Channels," Microsoft said in a statement on Wednesday

This is how it works.

Tap into Your Phone app with Link to Windows integration on select Samsung devices to instantly access your phone's mobile apps directly from your Windows 10 PC. There's no need to install, sign-in or set up your apps on your PC. The users can conveniently pin their favourite mobile apps to the Taskbar or Start menu on their PCs for quick and easy access. When you launch an app, it opens in a separate window outside of the Your Phone app enabling you to multitask," said Microsoft

Later in the year, Samsung Galaxy Note20 users will experience the power and convenience of running multiple apps side by side and "we will continue to work with Samsung to bring this feature to additional devices" Apps will launch in separate windows enabling you to interact with multiple apps at the same time.

So, whether you are working on a document, keeping up on your social media feed or simply staying connected with family and friends, everything is accessible in one place, so your flow is never broken," said Microsoft

Android phones supporting Your Phone app's Phone screen feature will now be able to preview the Apps feature. Microsoft stressed that the ability to run multiple apps simultaneously is currently not available and will be introduced later this year

The new feature works on PCs running Windows 10 October 2018 Update or later and is available on select Android phones running Android 9.0 or greater with the Link to Windows integration.

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Bill Gates said something years ago that should resonate deep within the collective conscience of leaders everywhere. The co-founder of Microsoft pointed out

"As we look ahead into the next century, leaders will be those who empower others."

In two words, Gates nailed a defining characteristic of true leaders: empower others.

Let's now reframe his quote to match the surreal circumstances in which we find ourselves today. When you think of what great leaders may be doing to pivot and meet the demands of a stay-at-home economy, what comes to mind?

For starters, more of us are waking up to the stark reality that virtual collaboration is now the norm. And to Gates' point, whatever you thought about leaders before the outbreak, one thing remains true for either office or remote settings: Great leaders set themselves apart by effectively influencing and empowering other human beings.

Empowerment in crisis.-

The need to empower people doesn't change just because circumstances do. From what I've observed from great leaders recently, plus my own personal experiences adjusting to the new work climate, here are some ways to empower the people around you and take your leadership to the next level

Put your employees first- Every leader's role right now involves proactively responding daily to the challenges facing their people. Whether it's meeting to discuss steps to protect employees or the business, good leaders are being empathetic to meet people's needs. They are being mindful of the mental health needs of their team members and their families as social isolation, potential ill health, economic hardships, and other uncertainties of life weigh on people in unique ways.

Encourage fun and flexibility-

Empowering people in virtual settings shouldn't be limited to work hours. To develop a spirit of community within remote tribes, many leaders are using video for virtual coffee or lunch breaks together. Saar Yoskovitz, CEO of Augury, an AI-based machine health solutions company keeps his people connected by holding digital happy hours with his team. On Saint Patrick's Day, people logged in, cameras on, of course, and had their favorite drinks together from the comfort of their own homes. "Many of our people are now working from home while taking care of their kids -- so we're making sure to give them more flexibility, understanding, and fun distractions," he shared over email.

Invest in digital solutions-

According to research from PwC's Digital IQ report, the top 5 percent of digital leaders invest a third more than other companies in the digital infrastructure of their business, leading to 77 percent of them seeing increased employee satisfaction. However, during times of crisis, many firms "pull back on investments and conserve cash, but really [they] should be focusing on their digital investments," says PwC global chief experience officer David Clarke, who spoke to me about the research. Clarke continues, "Companies that weren't working this way before are going to quickly wake up to the need to make virtual collaboration and cross-functional work the norm

Look to your employee for the answers-

Historically, leadership has been a practice to be performed by the few in places of higher status and positional authority. But in reality, when seeking solutions to problems, people with great ideas are everywhere. Don't look up in the ivory tower or externally to consultants for solutions that can be found within your own tribe. You'll be surprised to find that the best resources are likely already residing in a nearby Slack channel, or just a Zoom conference call away

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The fixed income of salaried individuals gives them an edge over their non-salaried counterparts in planning expenses and saving regularly for various financial goals. However, this relative income certainty often leads many of them to become complacent in choosing the right instruments for their various financial goals.

Here I will list 5 investment options for salaried individuals to meet their various financial goals depending on their time horizon and risk appetite.

1. Bank Fixed Deposits

Bank fixed deposits guarantee interest income and principal repayments at booked rates regardless of any changes in the card rate during the tenure. Deposits opened with scheduled banks also qualify for the deposit insurance program provided by DICGC, a subsidiary of RBI. This insurance covers your FDs, RDs, and deposits in your savings and current accounts for up to 5 lakh per bank, per depositor in case of bank failures.

Presently, some small finance banks and private sector banks are offering highest FD slab rates of 7.5-9% p.a., which is around 200-300 bps higher than highest FD slab rates offered by other private sector banks. Hence, those wishing to avail higher interest rates from bank FDs with maximum level of capital and income protections can spread their fixed deposits across multiple banks offering higher interest rates in such a way that their cumulative deposits including savings, recurring, fixed and current accounts do not exceed Rs 5 lakh in each of those banks.

Those wishing to save tax under Section 80C can also open tax saving fixed deposits having a lock-in period of 5 years. While the deposit amount qualifies for tax deduction, their interest income is taxed as per the tax slab of the depositor.

Opt for fixed deposits for your short-term goals if you seek maximum possible income certainty and capital protection on your investments.

2. Equity Mutual Funds

Equity funds have to invest at least 65% of their corpus in equities and equity related instruments. As equities outperform inflation and fixed income instruments over the long run by a wide margin, equity mutual funds are best suited for retail investors who want to benefit from long term wealth creation potential of equities but lack the expertise or time of directly investing in them. Moreover, equity funds also include ELSS (Equity Linked Savings Schemes), popularly known as tax saving mutual funds, which qualifies for tax deduction under Section 80C and have the shortest lock in period of 3 years among all investment options available under this Section

One can start investing in equity mutual funds with just Rs 5,000 in case of lump sum and Rs 1,000 for additional/ subsequent investments. The minimum investment amount for SIPs is usually Rs 1,000. In case of ELSS, the minimum amount is Rs 500 per month via SIP. Prefer equity mutual funds over fixed income investments for financial goals maturing after 5 years.

3. Debt Mutual Funds

Debt mutual funds invest primarily in market-linked fixed income instruments like government securities, corporate bonds, money market instruments, etc. Exposure to fixed income instruments makes debt funds less volatile than equity mutual funds. On the other hand, exposure to market-linked fixed income securities allows most debt fund categories to generate higher returns than bank fixed deposits. Note, investors seeking a higher degree of capital protection should opt for short term debt funds like low duration, ultra-short duration and short duration funds. While these funds are market linked and do not ensure income certainty, the risk of capital erosion is very less. Debt papers held by them have shorter maturity profiles than other debt fund categories, which makes them less prone to capital erosion and interest rate risk. Those with higher risk appetite and longer investment horizon can opt for debt funds having longer duration profiles. Opt for short term debt mutual funds for your short-term financial goals if you wish higher returns than bank fixed deposits.

4. Public Provident Fund

Among all fixed income investment options, PPF is one of the safest options due to the accompanying sovereign guarantee from the government. Investment in PPF qualifies for tax deduction under Section 80C. The interest component and maturity amount are also tax free, giving it an edge over bank fixed deposits and other small savings schemes.

The biggest shortcoming of PPF is its lack of liquidity. It comes with a 15 years lock in period with premature closures, partial withdrawals and loan against PPF allowed on few pre-laid conditions. The interest component is compounded annually while its interest rate is reviewed every financial quarter by the Ministry of Finance. Currently, PPF is offering 7.1% p.a. returns for the 2nd quarter of FY 21.

5. Voluntary Provident Fund

VPF is just an extension of the EPF scheme. It allows EPF subscribers to voluntarily invest over and above their mandatory EPF contribution up to 100% of their basic salary and dearness allowance. Similar to EPF, contributions to VPF qualify under tax deduction under Section 80C. Their interest rate is also the same as EPF, which is revised annually. Being an extension of EPF, all the EPF rules regarding partial withdrawals, taxation, nomination, etc apply to VPF as well.

Opt for PPF or VPF for your long-term financial goals if you have a low risk appetite or are seeking diversification through asset classes covered by the sovereign guarantee.

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 It is the best type of communication which helps you to put forward your opinion without being misunderstood by the person in front.

By adept use of the Assertive Communication Skills, you will be able to raise your voice for your rights (and other’s rights) without being aggressive. Such a form of communication is quite useful in reducing stress, drama, and conflicts.

While addressing the power of being assertive, Doreen Virtue once said-

Once you have a major success with assertiveness, you learn that it’s a much healthier path than being a doormat to the insensitive folks. You gain respect for yourself, have more time for your priorities, and develop authentic and healthier relationships

What is Assertive Communication?-

Assertive communication is something that leads to a win-win situation.

It is all about putting your views while respecting other’s opinions and beliefs. It is taking a stand for your own while not undermining the needs of the other. It is the balance between aggressive and passive communication. The aggressive form of communication hurts feelings and fractures relations while on the other hand, a passive form of communication leads to stress, negative feel, and resentment. With Assertive communication, you will be able to resolve both of these issues with quite ease and effectiveness. So, all in all, assertive communication enables you to demand respect without being disrespectful in any way.

Importance

Assertive communication has the significance of its own. Following are some of them

What are the Notable Characteristics of Assertive Communication-

Eye contact

This leads you to talk to the opposite person directly with a clear vision and demonstrates sincerity

Gestures

Positive body language increases the listener’s interest also. It helps to draw the opposite person’s attention.

Body postures

A confident upright body posture helps the expression of confidence and self-esteem

Voice

Right toning and clear voice pull in the attention of the opposite person. And it helps to express your views clearly.

Timing

A proper judgment to point out the timing helps to express the views adequately.

Content

Incorporating the right content in your discussion/debate and putting that forward at the right time is quite critical in assertive communication.

In addition to these characteristics, three Cs play a significant role in assertive communication

How to master Assertive Communication Skills-

Have the right tone-

While having assertive communication, you must opt for the right toning skills when you put forward your opinion.

Have will to continue the discussion to find the solution-

A discussion or conversation can only productive and constructive if it reaches the final solution.

Assertive communication ensures this, but you need to have the will to continue the discussion positively and respectfully, so everyone likes to participate in the conversation.

Pay heed upon the nonverbal communication-

Gesture, posture, body language, reactions, listening cues, etc. play significant roles in assertive communication, and you need to be mindful of those as well.

Such gestures and postures should never translate into passive or aggressive forms of communication.

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Every industry, globally or nationally has taken a hit during these testing times including the Education system. The schools and universities are non-operational due to the nationwide lockdown which will surely have a negative impact on the academic curriculum.

Certainly, no one could have foreseen this calamity but we can be prepared for any such future events and cope up with the current situation. In times like these, smart classes are something that would be beneficial; through digital learning students and teacher can continue with the classes in a regular manner and avoid jeopardizing the studies

Digitization of education-It is imperative that digitization of education is considered a priority especially in India, where very few schools are equipped with the hardware and don’t have the technical skills to conduct smart classes. Web learning can be an efficient way to continue the curriculum without any delay in a situation of crisis

Other than fighting and coping up with difficult situations web learning also has other added benefits for both teachers and students. Smart classes help the teachers to turn boring lectures into fun and interactive sessions with the help of a visual display of data. Mentioned below are a few advantages of web learning

Information sharing: Following the social distancing protocol, sharing and broadcasting study material is more convenient and faster with web classes.

The study material can be uploaded and shared amongst the educators throughout the world from anywhere which can be referred to while conducting lectures. This information sharing tool provides notes and study material from multiple teachers in order to avoid duplication of efforts in creating study material for the same topic. A few web learning software have their resource bank which can be used by the educators to teach the students at any given point.

Mobility: One of the main advantages of smart classes is that they can be accessed from any part of the world. Essentially in times like these when everyone is supposed to be indoors, the teachers can conduct live lectures from their residence and the students can join the lectures online and match upto the curriculum.

Even if the student or teacher is traveling, they can catch up to the scheduled lessons and avoid any delays in finishing the course. There are no time restrictions attached to web classes, the student can access notes from anywhere, all they need is an Internet connection.

Ease of accessing the information: The live lectures that the teachers conduct digitally can be recorded and saved for future references which can be of help to the students who might have missed the live session. These recordings can also be used by students and teachers later to review the lessons

Saves time: Web classes consume lesser time than traditional classes, for both teachers and students. Students don’t need to make elongated rough notes while in class, they can refer to the lecture recordings and presentations shared by the teachers. Even the teachers can share feedback online in lesser time

Enhances productivity: Data shared in a visual format with the students will keep the students gripped to the lessons. Web classes not only keep the students interested in the class, but they also help in better understand in a lesser time frame. Web classes are usually more interactive since the students tend to pay more attention to the lessons being taught.

Eco-friendly: Smart classes are also a way to promote the ‘go green’ concept. Since all the data and study material is shared online there is no wastage of paper, pencil, printouts etc. This is just another added benefit of switching to web classes, it helps and promotes keeping nature green and clean.

Digital education is transforming how today’s generation learns and retains the lessons at schools and universities. Gradually classrooms are being transferred into interactive rooms for learning and teaching, traditional ways are being replaced by the latest digital technology making education unique and interactive. It is believed that learning through digital tools will ensure better participation from students.

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One has to consider the financial situation, risk appetite and investment goals. It’s also important to define the timeline and how much risk an investor is willing to take on in order to determine the optimal asset allocation.

Here's the three P's of Smart Investing - Plan, Prepare & Persist to achieve the long term goals

PLAN-

Set up an SIP to inculcate a habit of regular saving and build discipline

Look for the right asset-mix based on your risk appetite and financial goals

PREPARE

Consult a Financial Advisor/Planner to plan and build your portfolio as per your goals and risk-taking ability

Diversify your portfolio across various asset classes to mitigate risk

PERSIST

With rupee-cost averaging you can take advantage of the market highs and lows to benefit over the long term

With rupee-cost averaging you can take advantage of the market highs and lows to benefit over the long term

As the saying goes, “The art is not in making money, but in keeping it.” So one needs to sit down with a financial planner and understand the importance of making a comprehensive investment portfolio to achieve the required goals.

An Investor Education & Awareness Initiative

Investors should deal only with Registered Mutual Funds, to be verified on SEBI website under Intermediaries/Market Infrastructure Institutions". Refer www.ltfs.com for details on completing a one-time KYC (Know Your Customer) process, change of details like address, phone number etc.

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Opportunit for Digital Smart Employment Card members to improve basic skills of web designing tools. The course is listed in Hindi so that all rural members can avail this opportunity. The validity of course is life time. The containt of course reviesed every after three month.

The course contains below topics

1. Web Designing & Development Courses
2. Install Visual Studio
3. Material CSS tutorial
4. Text & Background Clolour
5. Button in Materialize CSS
6. Floating Button in Materialize css
7. Fixed Action Button in Materialize css
8. Fixed Action part-2
9. Navigation Bar in Materialize css
10. Responsive Navbar in material css
11. Dropdown Button in Material css
12. Google Material Icons
13. Awesome Side Navigation
14. Collection and Lists in Materialize css
15. Styling List
16. Grid Layout in Materialize css
17. Responsive Grid layout with images
18. Cards in Materialize css
19. Card panel in material css
20. Shadow in material css
21. Footer Design in Material css
22. Styling Forms in Materialize css
23. Advanced Form Styling in Materialize css
24. Toast Message
25. Carousel in Material css
26. Responsive Table & Image
27. Image Slider in Material css
28. Chips & Pagination in Material css
29. Tooltip in Material CSS
30. Material box in Materialize css
31. Modal in Materialize css
32. Parallax effect in Materialize css
33. Tabs in Materialize css
34. Collapsible in Material CSS
35. PHP Course Introduction
36. Learn PHP Course
37. What is HTTP Server
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41. Comments in php
42. Variables in PHP
43. String in PHP
44. Operators and Data Types in PHP
45. Operator in PHP
46. Print and Echo in PHP
47. Conditional statement in PHP
48. Numbers Program in PHP
49. Switch statement in php
50. Installing XAMPP in windows
51. Array in PHP
52. Multi-Dimension array in php
53. Associative Array in PHP
54. Functions in PHP
55. Different types of function in PHP
56. Material CSS project
57. Global variables in PHP
58. Include Other files in PHP
59. Redirection in PHP
60. GET and POST Method
61. Login System in PHP
62. PhpMyAdmin Crash Course
63. Basic SQL Commands
64. PHP Database connection
65. Selecting Data from database with php
66. Insert Database with PHP
67. Updating data in Database using PHP
68. Database with PHP from scratch
69. Date and Time in PHP
70. Functionality in PHP
71. Encrypt password in PHP
72. Make a Admin Panel
73. Cookies in PHP
74. CMS from scratch in PHP
75. Side Navigation designing
76. Designing for CMS in PHP

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In a move aimed at taking on Google Maps, Facebook has acquired Swedish startup Mapillary, that is building a detailed, accurate, and up to date global street-level imagery platform, for an undisclosed sum.

Facebook is building tools and technology to improve maps through a combination of machine learning, satellite imagery and partnerships with mapping communities.

These maps power products like Facebook Marketplace that drive transactions for millions of small businesses, and supply vital data to humanitarian organisations around the world.

With tens of thousands of contributors to our platform and with maps being improved with Mapillary data every single day, we're now taking the next big step on that journey," Mapillary co-founder and CEO Jan Erik said in a statement on Thursday

By merging our efforts, we will further improve the ways that people and machines can work with both aerial and street-level imagery to produce map data," he added.

The startup plans to continue being a global platform for imagery, map data, and improving all maps.

Our commitment to OpenStreetMap stays. The plan is for the rights given to OpenStreetMap editors to remain unchanged and for our work with OpenStreetMap communities and companies to continue on the same path as always," the startup explained

By continuing to make all images uploaded to Mapillary open, public, and available to everyone, "we hope to enable new use cases, and grow the breadth of coverage and usage to benefit mapping for everyone

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Fast charging is a boon for smartphone users, there are absolutely no two ways about that. Fast charging is also a key differentiator among new-age phones. But fast charging can also be fatal for your smartphone, so it seems.

According to a study done by the researchers at Tencent’s Xuanwu Lab, a smartphone charging with fast chargers can melt and also some time can catch fire. The researchers have found a new vulnerability called BadPower that can alter the firmware of fast charging devices into a fire hazard that in turn can destroy phones. Researchers at the Tencent’s Xuanwu lab claim that BadPower interferes with the performance to produce more power than is appropriate for the connected unit, which can be incredibly high for the current charger.

The report from the Xuanwu lab stated that out of 35 chargers they tested for verifying their assertion, 18 of them showed vulnerabilities for the BadPower. The report, however, did not name the brands of chargers used for experiments to build the assertion of the impact of BadPower.

The group of researchers claimed that BadPower interferes with the performance to produce more power than is appropriate for any charger. The firmware in these chargers should negotiate the correct combination of voltage and current to charge a connected device at maximum speed, which for power delivery can be as high as 20V and 5A. Lots of new smartphones can accommodate just 15 or 18W, so you can imagine what 100W of power is going to do for the internals.

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Social media platform Twitter is ready to bring some new and additional choices for iOS users. The company is planning to introduce new icons for the home screen. A report by 9to5Mac, has revealed that Twitter sent out a survey to Twitter insiders program members in order to get feedback on new icon design that the company has made for iOS users. The survey has been conducted so the company can ascertain which icon is most preferred by the users. The report said that the company also included the default Twitter icon in the survey as well

It is to note that iPadOS and iOS can allow developers to offer many app icons and it seems like Twitter may want to tap into this by additional options. The report indicated that Twitter might add a new setting in the Twitter app for iPhone and iPad that is expected to allow users to choose one custom icon from the collection offered by the company than using a default one.

Given that Twitter decided to bring one or more icons for its app, the roll out may have to be done with an updated version of the app. Furthermore, the company may include a new Setting that will simply allow users to opt for one particular app icon. According to media reports, there are three new icons that have been shown to users in the survey where the company has played with colours.

Apart from this, Twitter may also come up with a new splash screen but it is still unclear whether all these additional features will make it to users or not.

Meanwhile, Twitter has recently reported hacking of its internal systems which led to hacking of many accounts of famous personalities. The accounts of the US presidential candidate Joe Biden, former president Barack Obama, Elon Musk, Jeff Bezos among others had been hacked

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Zoom on Tuesday announced that it will expand its India operations by setting up a local technology centre after the video conferencing service saw a 6700% growth (in free user sign ups) in the country. The announcement comes just days after Zoom’s newly appointed president of engineering and products, Velchamy Sankarligam confirmed, the company was planning to make a “significant” investment in India over the next five years including expanding its footprint and hiring more top talent in the region.

The Zoom technology centre will be based in Bengaluru and will be tasked with R&D, IT, legal and HR as well security. Zoom said it will start hiring “immediately” for all of these operations. “Zoom selected Bengaluru for its exceptional engineering and IT talent. The company will immediately begin recruiting DevOps engineers, IT, Security, and Business Operations headcount in the area. Employees will work from home until the pandemic-related remote work has subsided,” Zoom said in a statement.

Zoom’s India expansion plans come during a tumultuous time for the company. On the one end it is fighting misconceptions about its alleged links with China and on the other hand it is facing new competition from homegrown brand Jio and its competing app JioMeet. Unlike most technology brands though, Zoom has been fairly vocal and transparent in “addressing” these challenges rather than being defensive, and even today, it is “optimistic” about its ongoing engagement with the Indian government.

“India is and will continue to be an important market for Zoom, and we are excited to build on the exciting opportunities we see in the region,” Sankarligam had said in a blog post recently adding that Zoom was looking to engage with stakeholders in the country in the coming months to “support Digital India, StartUp India, and Skills India.”

Zoom started its formal operations in India in September last year. The San Jose-headquartered company has an office in Mumbai and employs people in different functionalities. The expansion represents a “growing strategic investment in the country” and is “in direct response to Zoom’s increased level of adoption by users across India.” Zoom said the new technology centre in Bengaluru will play a vital role as a source of innovation for the company.

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Issuing an alert, the Indian Computer Emergency Response Team (CERT-In) has asked the users of Google Chrome browser to update the browsing app as soon as possible to avoid any misconduct on their data. The CERT-In has asked the Chrome users to update their app if they are using the browser version released before Google Chrome version 84.0.4147.89. The emergency response team has graded the possible vulnerabilities on Chrome’s older version with high severity and has laid out an advisory to help users in prevention from possible infringement of data privacy.

The agency for maintaining Indian cyberspace security has issued the latest guidelines on account of multiple vulnerabilities in Google Chrome that could potentially enable remote attackers in executing arbitrary code, bypassing security restrictions, accessing sensitive information along with conducting spoofing attack, and denial of services (DoS) on the target systems.

Detailing the cause of these loopholes in Google Chrome, CERT-In laid the blame on heap buffer flow, side-channel information leakage, type confusion and an inappropriate implementation in WebRTC among others.

CERT-In has been circumspect of Google Chrome in the past as well and has come down heavily on the availability of certain extensions on the chrome store. Earlier this month, the CERT-In had asked Google Chrome users to uninstall certain extensions that were caught collecting “sensitive” user data. The federal cyber-security agency had recommended that users uninstall Google Chrome extensions with IDs given in section IOCs (organizational chart). The CERT-In had also suggested users to visit the Chrome extensions page and assess if they have in the past installed any extensions now found to be malicious.

CERT-In had also stated that some extensions included code to circumvent Google Chrome ‘s security scans on the Web store. The malicious extensions were able to take screenshots, read the clipboard, harvest authentication cookies or capture passwords and other confidential information with user keystrokes

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Purchasing power is defined as the value of the currency. It is described as the number of services or goods that one unit of the currency can buy. It is an indicator of the present market conditions because it enables a person or a business entity to know the amount the unit of reducing will be able to purchase.

Meaning of purchasing power

Purchasing power is described as the ability of a single or a group of economic factors that can easily influence the prices in the market. The purchasing power has a direct and indirect impact on the

Consumer spending

The economic growth of the country

Investment or financial decision-making

Consumer choices

The purchasing power always takes into account the inflation rate. When the purchasing power decreases, the cost of services and goods, one unit of currency can purchase increases. Increases increase in the cost of living and reducing consumer borrowing and spending. A decrease in purchasing power will signify the growth in the economy and vice-versa.

Factors influencing purchasing power

Purchasing power is considered an economic theory and can be measured by calculating the number of items a consumer can purchase with one fixed unit. Economists and government agencies keep track on the purchasing power of the consumer because it has an impact on the overall economy of a company. The factors that influence the purchasing power are as follo

1. Supply and demand

The supply and demand theory refers to the supply of services and goods from different companies against the demand for those services and goods from the consumers. If the companies start producing more goods than the actual demand indicates it will result in a reduction in product prices. This is so because the companies will try to recapture its production costs by offloading unsold inventory. The low prices are an indicator of high purchasing power. The high demand for goods and services is the result of less supply. It means higher prices and lower purchasing power of a consumer

2. Interest and credit rates

When a consumer does not have the required cash in hand, he opts for credit purchase. Although it is possible to buy more than your means through credit, it also has some repercussions because the consumer will have to pay their creditors even if their available credit has decreased. This means that although the purchasing power of a consumer has increased for a temporary period in the long-term, it has reduced considerably.

3. Inflation- One of the standards and constant factors in purchasing power is inflation. It is about too much money when there are too few goods. It results in reduced purchasing power and increased consumer prices over a specific period. An example of inflation is that a few years back it was possible to watch a cricket match with a ticket of Rs 100 but in recent days the same ticket costs Rs 500.
4. Tax rates-Taxes can lower the real income of the consumer and this is why higher rates of taxes result in decreasing the purchasing power of an individual. When the government levies taxes it leaves the consumer will less amount of money and they can afford fewer goods and services. It lowers consumer spending and slows down the economic growth of that nation
5. Exchange rates- Traveling to a place where the exchange rate will facilitate high purchasing power per unit will result in a cost-effective trip. Suppose a person from India visits Nepal or Bangladesh. He will have more purchasing power in both the countries as their exchange rate will favor Indian rupees over their currency.

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Feeling frustrated in your career? Consider joining--or better yet starting--a mastermind group. A mastermind group is a group of eight to 10 of your professional peers, at least some of them more experienced than you. It can meet just once or on an ongoing basis for open-ended discussion or to talk about a specific topic. In the best mastermind groups, members become each other's board of advisers, sharing opportunities and helping each other reach their goals. One of the biggest benefits of a mastermind group is that the other members will give you honest and objective advice, Capland explains in a blog post. "Most people who are close to us, either at home or work, have a stake in our choices and outcomes and therefore aren't really the best people to advise us objectively. A mastermind group will give you real coaching, feedback, and thought-partnership to help you brainstorm new possibilities that maybe you didn't realize you were even thinking about." Mastermind groups can also help you build your network, because group members often share contacts, and learn about how to be more successful, because group members share advice based on their own experience.

Don't be shy about inviting members who are more successful than you- Capland did this when she started her own first mastermind group, three years after she started her own as an executive coaching business. "I didn't really know how to grow a consulting practice," she says. So she decided to enlist other corporate consultants for an information sharing group. Wanting to learn from those who knew more than she did, Capland decided to set some minimum criteria--other group members had to be in business for at least five years or be earning over a certain threshold to be invited to join. Then she showed her list of criteria to a more experienced colleague and asked his opinion. He not only approved, he said he wanted to join the group himself. That mastermind group went on to meet every other month for several years. "Everyone in the group knew I had the least experience. They didn't care," Capland says.

2. Start with one other person- Before you start a mastermind group, Capland advises, figure out exactly what you want to get out of it, and what result would make the group a success for you. That will help you figure out what criteria to use and whom you should invite to join the group. The ideal size for a mastermind group is eight to 10 people, experts agree. But, Capland says, even if you start your own group, it's very rare to select all the other members, because most people you invite will want to invite others as well. So start by inviting just one or two people. You may see your group fill up more quickly than you expected.
3. Have a pilot meeting- If the group decides to meet regularly, you should decide together how often to meet, and whether to focus meetings around a single topic of discussion or even a presentation that one group member makes. Each group member can take a turn leading the discussion and you can decide whether to meet in person or virtually. Capland says she's been holding mastermind sessions by video chat for years so as to be able to include group members from different regions. Either way, the best approach is to begin with a single pilot meeting and see how the group gels before committing to more, she advises
4. Don't expect it to last forever- All great mastermind groups come to an end at some point, Capland says. "Either you stop getting anything out of it or one or two people step out or the group simply decides to disband." In the case of her consultants' group, they continued meeting for five years and then were asked to speak at a conference. They did, and "from that moment, our mastermind dissolved. Nothing bad had happened, the group had just run its course. With Capland now a highly successful coach, it had also done its job.

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Self-learning is defined as a method of garnering information and after processing and retaining it without taking the help of another individual. It is the responsibility of the learner to learn and hold on to the knowledge without the help of another human resource. It is a modern way of learning that helps a person to teach himself skills and knowledge that will prove relevant to his daily activities. It has not replaced the instructional learning process that has been used traditionally instead has become an extra key that will open the doors of knowledge for everyone who is interested in acquiring it.

Process of self-learning-

Be clear in your objectives and goals

It is important for a self-learner to be clear in his mind about his objectives and goals. Remember he has to study and learn independently through intentional learning and thus he needs to be clear in his perception from the beginning. Start the process of self-learning by setting up result-oriented and smartly formulated objectives. Define the topics and what needs to be covered so that you can gather relevant information without wasting any time

Find a reliable source-

With the advent of the internet, you will find thousands of materials for any of the topics you want to pursue. Make sure that you have reached a reliable source that has credibility so that the information is correct and verified.

Allow yourself to be curious-

If you are curious then you will have to dig deep and this will uncover facts that will help you in your self-learning process. As per several medical journals, curiosity is a trait that makes life exciting and ultimately more productive.

Motivate yourself and make the subject interesting

Are you going through the process of self-learning only because you have to or are you seriously interested in that subject Remember disinterest will not take you far and hence motivate yourself early on if you want to attain your goal. You can learn only what you want to learn and hence make sure you have a viable reason to study.

Importance of self-learning-

Self-learning helps a person in understanding the basic concept of learning and it says that everyone has to learn by himself at the end of the day. As you go deeper you start exploring new horizons that might have been a taboo in traditional form of learning and this can open further doors. Actively pursuing your goals single-handedly gives the learner the necessary confidence to deal with the eventualities of life by any means. Self-learning helps you to find the ground under your feet. It prepares you for the future where you have to work alone to reach your goal. The resilience and the immunity that you gain here are the key tools that will take you further in life.

Advantages-

It is not time-bound and is dependent upon the person who wants to learn for whatever number of hours he feels like. It gives him the opportunity to set his own pace and remove frustration and boredom from the equation

Learning is without any restrictions

Self-learning is not subjected to location-constraint as an individual can make use of the learning process from anywhere he pleases. He does not need to travel at a particular place at a specific time and this works in his favor

It boosts the self-esteem of a person because he knows that he has learned everything on his own. It also helps him to keep digging until he knows all there is to know about the topic.

When you are part of the traditional learning process you have to adhere to the prescribed set of rules, books and even way of studying but self-learning gives you the freedom to choose your mode of learning

Disadvantages-

You do not have readymade material at your disposal and whatever you need will have to be acquired through additional effort on your part

You will have to verify your study materials whereas in traditional learning method these were already verified beforehand

Working with others help in brainstorming which is not possible during self-learning

Teamwork encourages open communication that is not seen during the process of self-learning

There is no face-to-face interaction during self-learning

The lack of transformational power is a serious limitation of self-learning

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Resilience as a career concept is having a kind of heyday, with good reason. Flung into new ways of working, both at home and in newly dangerous roles, people all over the world were forced into adapting to the pandemic and economic crisis while doing their jobs

Confronted with the continued flow of bad news, some kept a bit more of themselves intact. The concept of resilience isn’t just about being knocked down and getting back up again. In a recent “Navigating the Turbulence of Covid-19” webinar, INSEAD Professor of Management Practice Narayan Pant spoke about how leadership resilience is the ability to emerge stronger from inevitable adverse circumstances

Resilience, choice and getting out of your own way-

our mental preparation for crises boils down to two responses: “If you're like a lot of the leaders I meet, you do one of two things. One, you try really hard to stop this bad stuff from happening. In fact, many of the people I know consider this their job description: ‘to make sure I minimise the impact of bad stuff happening by planning for all the bad stuff that can happen.’ The second thing people do is they try to ignore what might happen if they don't manage to stop the crisis Of course, stopping the pandemic or pretending it’s not there is not leadership. This is where resilience comes in – dealing with negative thoughts. Pant took the webinar participants through several exercises to help them “get to a place where you’re able and willing to work on raising your own resilience”. He didn’t promise resilience, instead he described a process

Practise, practise, practise-

Mindfulness is key to creating resilience, not only mindfulness meditation per se, but an awareness of thoughts. Pant explained that “meditation has relevance to building resilience”.      the understanding that there is nothing inherently good or bad about thoughts “gives us a lever and that lever is our thoughts and the choice in how we see them. Traditional cognitive behavioural approaches to managing thoughts look at the thoughts and beliefs that intervene between an external stimulus and our reactions.

One way to rethink the way you think about thoughts is how you express them. “Instead of saying, ‘I think we might miss our numbers this quarter’, articulate it as ‘I'm having the thought that we might miss our numbers.’ This might sound artificial, but it has a very powerful effect. It articulates the fact that this thought is a thing. It's not you.” Of course, none of this means we should not act in the external world. Rather, putting some distance between your thoughts and your response improves your decision making by making it more rational

Continuing resilience building-

“Practise developing a productive attitude when things don't turn out the way in which you expect. That's the core of resilience building – an attitude that comes from the ability to manage and regulate the way your thoughts impact you

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While choosing the places to save and invest in, experts suggest don't go randomly picking instruments. Note that your financial planning and your portfolio most importantly depend on your age along with risk profile and other factors.

Every decade of our life, from the time we start earning, commands a different approach towards how we invest our money. Having said so, there is a large number of people who struggle every day with financial literacy and get stuck in dire situations like huge debt or financial crisis during a disaster (like the coronavirus pandemic). A pandemic like this forces all of us to focus on our finances.

Here’s an overview of how the investment climate could change with your age:

Starting young in your 20s

For an individual in their early 20s, who has just started a career, may not have significant financial obligations and can afford to save a fair amount out of their earnings. Hena Mehta, Founder and CEO, Basis, says “While investing your money might sound boring in your 20s, starting young is easily the best way to get ahead. An adequate health insurance plan will take care of hefty medical bills and uninvited medical exigencies. It is cost-effective when taken early and therefore, a sensible choice to make in one’s 20s.” If you are working for a company that provides health insurance benefits, try to increase the cover if necessary, and also make sure to extend the cover to your parents if possible.

Reviewing your money in your 30s-

According to experts, 30s are the time to get serious with your finances by cutting down carefree expenses. Mehta says, “According to me, the 30s is the time to fortify one’s finances, sow the seeds of financial prosperity and reap their rewards for the rest of one’s life.”

You can start by allocating funds for long-term goals such as retirement. If you have goals like buying a house, you can start a kitty for the down payment of the house or focus on other goals like children’s education or any other long-term goals. Additionally, if you have already bought a life insurance policy, see if you are adequately insured.

Responsible investments in your 40s-

Mehta of Basis says, “If your 30s brought a whole new set of responsibilities like a flourishing career and a family, the 40s bring you more responsibility and angst about closing in on retirement. One of the most important things you can do for your finances at this stage is to pay off high-interest debt. It is also time to adjust your retirement account contribution.”

In your 40’s you will have to make sure you have sufficient life cover so that your family’s future is always financially secure. Another way to be prepared is by having an emergency fund that you can contribute towards every month

The youth of old age: the 50s-

By the time you reach this age group, if planned properly, your investment plans will be in place, providing you a comfortable, tension-free retirement. However, you can continue investing, but with a different approach. Note that investments, after you retire, should be aimed at maximizing your savings

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First impressions are lasting. The way you look and carry yourself, create an impact on people around you. Lack of etiquettes may lead to poor image and may hinder your chance of forming a good impression on your colleagues and superiors. Good grooming is integral, but professional grooming is a must. If you don’t look the part, no one will want to give you time or money. Just by looking at your professional attire, people can form an impression about your degree of professionalism. In short, what you choose to wear, conveys how you want others you perceive you on a professional level. Business Formal, Business Professional, Business Casual, and Casual Dressing. Here are some professional grooming tips that will help you stand out in your office

Always be prim and proper. Keep your teeth, fingernails, face, and hair, neat and clean.

Your hair should be clean and current with a flattering cut. If coloured, it should be neutral shade, without obvious re-growth. Facial hair, if any, should be clean and neatly maintained.

Consider having a fresh, light cologne for the daytime and work hours, and a more full-bodied scent for afterhours. If fragrance is worn, it should be subtle.

Wear business suits in basic colours like Navy Blue, Charcoal Grey, Light Grey, Dark Brown, and Classic Jet Black.

Make sure your footwear is clean, polished, and in a good condition. Also, choose shoes that are current and trending like Oxfords, Derby or Brogues.

Use a portfolio case or light briefcase while carrying important documents. You can also compile these documents in a lightweight folder.

Keep your pockets empty and as much as possible avoid tinkling coins, keys, pens or any other bulges.

Avoid eating candies, smoking cigarettes and chewing gum when you are inside the office. In case you want to do any of these things, take a break and do it outside the office premises.

Do not blindly copy others. Create a style of your own for others to follow you. Be a role model by achieving an ideal professional appearance and grooming for the office.

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The technological advancements in the digital world have kept the media and advertising industry continuously evolving. From the printing press, to radio, to TV, and the internet, each innovation has revolutionized and altered how individuals engaged with new concepts, products, and brands

Advertising- Advertising is for people with a creative flair. No matter what designation you go after, you must be creative. Whether you want to be a Copywriter who thinks about the right words for ads – writes headlines, catchphrases, jingles, etc. or work as a Client Servicing Executive who deals directly with the client and manages his multi-media campaign. No matter what position you choose, you must be able to think on your feet and be fast. In an advertising agency, you can’t just sit back in an AC office, stare out of the window and hope for the best. You must constantly come up with innovative out-of-the-box ideas.

Journalism- Journalism is a career option that will never die. If there are stories to cover, there are job opportunities in journalism. Besides that, it will open your eyes to the world as you uncover the truth as a journalist. The fun part includes discovering new stories, meeting unique people and travelling to various destinations. If you want to make a career in journalism, then you must be as curious as a child. As a journalist, you must remember that this world is not always about glitter and glamour. You must work hard, meet strict deadlines, and be present even at odd hours.

Broadcast Media-

There is always a need for fresh blood to keep the wheel moving in the Broadcast Media industry. You can either become a Cinematographer or a Screenwriter or take control in your hands by becoming an Art Director. You can work for a film, do a web-series, work for daily soaps, be on a radio, or even work for OTT platforms. As of now, there is a scarcity of well-versed career-ready professionals, who are armed with the right form of education in the mechanics of digital content creation. So, you better buck up! Opportunities for freshers are unlimited.

Corporate Communication

As a profession, Corporate Communications is rapidly gaining its ground. There are large corporations/organizations who sometimes struggle to disseminate a message about their product, business plan, or marketing campaign in a focused manner. Your job as a Corporate Communication Manager will be to bring that focus to the table. If you plan to create a career in this field, then you must be very good at consumer communication, marketing communications, and advertising communication

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One thing that is certain, we know that adjusting to change can be challenging. But be it planned or unplanned, gradual or sudden, change is inevitable and very much part of being human. Over the past few months, we’ve experienced an unprecedented shift in our way of life due to COVID-19. We were introduced to the omnipresent implementation of social distancing which led to the worldwide lockdown.

Here are the tips to help you adjust to the new normal-

Keep mask and gloves handy-

Since the start of the spread of the pandemic, masks and gloves were the new essentials to fight and survive the pandemic. Providing the need to maintain higher standards of personal hygiene they have also seen as making fashion statements. The pandemic paradigm has changed the face of public transportation for long distance travel . While hugs and handshakes were required to greet when meeting someone, now it’s best to join hands to say hello – a method adopted by Britain’s Prince Charles in recent Prince’s Trust Awards.

Patience is the key-

From standing in long queues to buy groceries to waiting for an internet connection to be restored for online work from home, it is time to befriend patience. However misleading and absurd the concept of social distancing is, do not forget to stay connected with loved ones through various online mediums and keep a close tab on them.

Be kind or be quite-

While trying to stay connected to the friends afar, do not forget the ones living close to you. Adjusting your expectations, being kind and respectful are some of the new habits you need to inculcate if you are not accustomed to sharing your space with your family. Be mindful of their needs and give them their space that you seek for yourself.

Let your thoughts speak to you-

Maintain a journal and write daily before going to bed, make note of your thoughts, emotions, and experiences. Do not forget to mention five things you are grateful for.

Take a breather with your mask on-

And lastly, give yourself a breather. Limit your social media exposure to enhance your wellbeing. Take up new hobbies, learn new languages, enroll for online courses made available by top Universities across the world

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Best wishes to all HSC passout student for getting the highest ever result of 90.66%. Skilling India management is welcoming all student to get registered for 'Digital Smart Employment Card' and avail Life Time Opportunity to enhance their career.

Maharashtra State Board of Secondary and Higher Secondary Education (MSBSHSE) has released the Maharashtra HSC Results 2020 on its official websites at mahresults.nic.in. While sharing the result statistics MSBSHSE announced that a total of 90.66% of the regular students have passed the Maharashtra HSC exam this year. Science stream has recorded the highest pass percent among all stream with 96.63%.

A total of 14,20,575 students appeared for the Maharashtra board Class 12 exams this year of which 12,81,712 students cleared the exams.

Girls outperformed boys yet again, netting a pass percent of 93.88 compared to 88.04 percent.

The science stream saw 96.93 percent of students clear the Class 12 exam compared to 92.60 percent in 2019 (an increase of 4.33 percent).

The arts stream recorded a pass percentage of 82.63 percent this year compared to 76.45 percent in 2019 (an increase of 6.18 percent).

The commerce stream witnessed a pass percentage of 91.27 percent in 2020 as compared to 88.28 percent in 2019 (an increase of 2.99 percent).

Among districts, Konkan emerged as best-performing with 95.89 percent of students clearing the exams while, Pune came in a close second with 92.50 percent of its students passing. Aurangabad registered the lowest pass percentage (88.18) among all districts.

Maharashtra HSC Results 2020: Grade-wise performance

Distinction - 143441 students

1st grade - 513575 students

2nd grade - 579667 students

1st grade - 45029 students

Total passed - 1281712 students

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Man is a social animal, and for centuries he has relied on communication to strengthen his relationships with everyone. Interacting with friends and family across long distances has always been a concern for him. So, he invented various instruments to solve this problem. He began by writing letters, then he invented the telegraph, fax machine, telephone, radio, television, mobile phones, internet, and now we have social media.

Let us understand various ways in which social media has changed the world of business forever

Social media changed the communication-

Social media has broadened marketing landscapes by making it possible for customers to directly communicate with companies without thinking about aspects like time and distance. Today, companies must deal with customers that no longer just want to be talked to. Instead, they want companies to listen, engage and respond appropriately

Social media helped marketers to get instant data-

Social media has allowed marketers to gain a tremendous amount of knowledge about a wide array of customers. Publicly sourced information offers a new reference of data to researchers and marketers. With every post, conversation and site or app visit, users leaves behind pieces of information about themselves. This data goes beyond simple demographic information to robust details like preferences, psychology, intent, emotions, activities, and social networks.

Social media invented a new breed of influencers-

Social media platforms like YouTube, Instagram, Twitter and Tik Tok has enabled a common man to become an influential personality. Companies now no longer need to hire expensive celebrities to endorse their brand/ product/ service. They can simply hire an influencer and reach out to millions who are interested in their brand/ product/ service. The influencers create interaction between the brand and the audience, which often goes far beyond what can be achieved through standard product placement.

The bottom line is that if a business wants to be successful in the foreseeable future, they must think about investing in social media. With careful planning, collaboration, research and a hefty dose of creativity, social media platforms can help businesses achieve their marketing goals.

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