Top tourist destinations in world

 Top tourist destinations in the world

India is a vast city where the places to visit are infinite so sometimes it quite difficult for people to choose among them. in India, you can find diversity in places like there are some cultural, historical places and some relax places to chill out and enjoy so usually it makes the choice difficult but don.t worry now we discuss all the places where you can visit as per of choice

list of the top 3 best tourist places to visit.:

  • Kashmir
  • Ladakh
  • Delhi
  • Sikkim
  • Meghalaya 

1: Kashmir:

Kashmir is one of the incredible places to visit as it is known as the heaven on earth because its natural beauty is magnanimous which attracts people to visit. the beautiful Kashmir valley is the best tourist option for nature love people, honeymoon, and groups of friends .along with that it also offers adventure activities like tracking , river rafting, recreational facilities like fishing, and even a spa & wellness if anyone who is a shopaholic & foodie can also have enjoyment over here.

places to visit in Kashmir:

  • Srinagar
  • Pahalgam
  • Gulmarg
  • sonmarg
  • gurez valley

top things to do in Kashmir:

  • Boating in Dal lake
  • skiing in Gulmarg
  • trekking’
  • taste wazwan
  • fishing in Pahalgam

2: Ladakh:

Ladakh is also one of the most beautiful places in India. here you can see the highest mountain and wildlife species in India’s largest park. this is the best tourist destination for doing adventurous activities like motorbiking, campaigning, biking, and trekking. it is the ideal place for nature lovers.

places to visit in Kashmir:

  • Leh
  • Tso Kar
  • Nubra valley
  • Tsomoriri
  • Zanskar valley

top things to do in Kashmir:

  • Camping 
  • Biking & Hiking
  • Peak Climbing 
  • Mountain biking
  • Trekking

3: Delhi:

The capital city is the best place to visit for anyone. if anybody is looking for heritage or shopping experience or kids-friendly activities or places of a photocopy so surely it will be the best place to visit.

places to visit in Kashmir:

  • Jama Masjid 
  • Red fort
  • Raj ghat
  • Dilli Haat
  • lotus temple

top things to do in Kashmir:

  • Food walk
  • Clubbing
  • Heritage walk
  • taste street food
  • Architecture photography



Photography and its Types

 Photography and its Types

Photography is the art of capturing light with a camera by digital sensor or film, to create an image. It is a way to store your memories forever. It can be used for professional or personal work. It is done by a camera in which a lens is used to focus the light reflected from objects into a real image on the light-sensitive surface inside a camera during a timed exposure. You need to require technical and creative skills to click good photographs.

Photography is can be done in different ways for different events or programs. These types of photography are as follows:

Portrait Photography

One of the most common photography styles, portrait photography aims to capture the personality and mood of an individual or group. Images may be candid or posed full body or close-ups. The subject’s face and eyes are typically in focus. 

Photojournalism

Photojournalism is a way of telling the story of a newsworthy event or scene through photographs. Photojournalism should be as objective and truthful as possible and capturing candid moments as they happen is more important than getting picture-perfect shots. The work is published in magazines and newspapers.

Fashion Photography

Fashion photography showcases and glamorizes fashion clothing, shoes, and accessories to make them more desirable to consumers. It is commonly published in magazines and online. 

Sports Photography

By catching athletes, coaches, and even fans at the perfect moment, sports photographs can depict the passion, drama, and emotion that fuels sporting events. Sports photographers must aim and shoot quickly to keep up with the action around them Sports photographers also usually use long, heavy lenses for zooming in on the action.

Architectural Photography

Both the interior and exterior design of buildings and structures are the subject of architectural photography. The photograph showcases the structure’s most aesthetically pleasing parts, such as a particular beam or archway. Lighting can be challenging in architectural photography and, for exteriors, photographers must know how to work with natural light. 

Product Photography

Product photography is a great specialization. The photos are used for online and print catalogs, as well as for labels and packaging. It helps to attract the customers to buy the product.


The list of different types of products is long. For each type of photography, you need a lot of practice and skills to create a visually striking image.

Different ways to do Advertisement

 Different ways to do Advertisement

An advertisement is a form of communication process in which a product, service, event, or program is promoted in public to get their attention, engagement, and sales. It is a guaranteed method of reaching an audience. By creating an engaging ad, and spending enough to reach your target users, advertisements can have an immediate impact on business. 

The way you advertise the product and service is depend on your target audience and the cost-effective way to you reach the masses. The advertising can be done in the following ways:


Newspaper

Newspaper advertising can promote your business to a wide range of customers. Display advertisements are placed throughout the paper.

Magazine

Advertising in a magazine can reach your target market quickly and easily. Readers tend to read magazines at their leisure and keep them for longer, giving your advertisement multiple chances to attract attention. If your products need to be displayed in color then glossy advertisements in a magazine can be a good choice.

Radio

Advertising on the radio is a great way to reach your target audience. If your target audience listens to a particular station, then regular advertising can attract new customers.

Television

Television has an extensive reach and advertising this way is ideal if you want to reach a large audience. Television advertisements have the advantage of sight, sound, movement, and color to persuade a customer to buy from you. They are particularly useful if you need to demonstrate how your product or service works.

Outdoor and transit

There are many ways to advertise outside. Outdoor billboards can be signs by the road or hoardings at sports stadiums. Transit advertising can be posters on buses, taxis, and bicycles. Large billboards can get your message across with a big impact. If the same customers pass your billboard every day as they travel to work, you are likely to be the first business they think of when they want to buy a product.

Online

The Internet can be a cost-effective way to attract new customers. You can reach a global audience at a low cost. Many customers research businesses online before deciding whom to buy from. A well-designed website can attract customers to buy from you. There are several ways you can promote your business online via paid advertising or improve your search engine rankings. 


Advertisements can be a great way to increase market reach. It is one of the easiest ways to reach your target audience. The way companies want to advertise their product and service is depend on themselves.

Why are urban ecosystems important?

urban ecosystem, any ecological system located within a city or other densely settled area or, in a broader sense, the greater ecological system that makes up an entire metropolitan area. The largest urban ecosystems are currently concentrated in Europe, India, Japan, eastern China, South America, and the United States, primarily on coasts with harbours, along rivers, and at intersections of transportation routes. Large urban areas have been features of the industrialized countries of Europe and North America since the 19th century. Today, however, the greatest urban growth occurs in Africa, South and East Asia, and Latin America, and the majority of megacities (that is, those with more than 10 million inhabitants) will be found there by 2030.

The structure of urban ecosystems

Urban ecosystems, like all ecosystems, are composed of biological components (plants, animals, and other forms of life) and physical components (soil, water, air, climate, and topography). In all ecosystems these components interact with one another within a specified area. In the case of urban ecosystems, however, the biological complex also includes human populations, their demographic characteristics, their institutional structures, and the social and economic tools they employ. The physical complex includes buildings, transportation networks, modified surfaces (e.g., parking lots, roofs, and landscaping), and the environmental alterations resulting from human decision making. The physical components of urban ecosystems also include energy use and the import, transformation, and export of materials. Such energy and material transformations involve not only beneficial products (such as transportation and housing) but also pollution, wastes, and excess heat. Urban ecosystems are often warmer than other ecosystems that surround them, have less infiltration of rainwater into the local soil, and show higher rates and amounts of surface runoff after rain and storms. Heavy metals, calcium dust, particulates, and human-made organic compounds (e.g., fertilizers, pesticides, and contaminants from pharmaceutical and personal care products) are also concentrated in cities.

The expansion of large urban areas results in the conversion of forests, wetlands, deserts, and other adjacent biomes into areas devoted to residential, industrial, commercial, and transportational uses. Such conversion may result in the production of barren land. In addition, the conversion process fragments remaining wild or rural ecosystems into ever-smaller patches, and relatively high amounts of suboptimal habitat are found at the boundaries between the remaining native ecosystems and those that have been modified for human use. Such “edge habitats” inhibit specialist plant and animal species—that is, species that can tolerate a narrow range of environmental conditions. In addition, nonurban ecosystems downwind and downstream of urban ecosystems are subjected to high loads of water pollution, air pollution, and introduced exotic species.

Urban animal communities tend to be dominated by medium-size generalists, such as raccoons, coyotes, opossums, skunks, foxes, and other animals capable of surviving across a wide range of environmental conditions. In contrast, nonurban ecosystems tend to contain specialist species and animals that vary across a broader range of sizes. Urban habitats tend to be dominated by introduced plant and animal species that have a long history of association with humans and that show adaptations to urban conditions. For example, birdsong in urban areas often has a higher pitch and louder volume than is heard in nonurban populations of the same species. Louder, higher-pitched song allows birds to communicate in spite of the greater noise levels found in and around cities and suburban transportation corridors.

Compared with plant and animal communities found in wild and rural ecosystems around the world, biological communities found in different urban areas tend to be similar to one another. This ecological similarity is a by-product of the structural similarities among urban environments (comparable building types, landscape designs, and infrastructure) and of the intentional or accidental introduction of similar species into cities, suburbs, and exurban areas and the water and nutrient subsidies provided by people and their activities. Introduced groups include rodents, earthworms, shade treesweeds, and insect pests. In addition, animal populations in urban areas sometimes show evidence of genetic differentiation from rural populations of the same species.

Differences in design

Although there are many similarities among the world’s cities, differences arise in culture, history, governance, and the effects of the global economy. Some of the remaining differences arise from physical conditions such as aridity, topography, natural hazards (i.e., the risk of damage by earthquakes, volcanoes, and weather-related phenomena), and the amenities represented by the urban area’s unique location on Earth’s surface. Worldwide, city centres are becoming less dense as people spread into suburban areas, which are in turn becoming denser. The spatial footprints of cities, however, differ from one part of the world to the next. North American cities, such as Los Angeles and Atlanta, are notoriously sprawling, whereas European cities, such as Budapest and Paris, tend to be more concentrated around public transportation. Hence, energy efficiency is greater in concentrated cities than in metropolitan areas showing all the signs of urban sprawl.

Although urbanization has traditionally been associated with a higher quality of life for urban as opposed to rural dwellers, a number of ills such as concentrated urban poverty, environmental inequity, and reduced economic opportunity plague new cities in the developing world as well as old postindustrial city centres. Such problems might be addressed by better planning and by ecologically conscious urban design. One solution could involve an increase in “green spaces” and their more effective distribution through the urban landscape. In fact, the amount of green space actually present in cities is difficult to predict based on the density or age of the settlement. In some dense, older American cities, green space is present—as in New York City’s 6,000 acres (2,400 hectares) of parks, which are part of the city’s nearly 39,000 acres (about 15,800 hectares) of open space. Boston and Cleveland are two other older cities with well-developed open space networks. Some sprawling cities, such as Atlanta, which have grown substantially since the 1970s and ’80s, have very little parkland, whereas others, such as Phoenix, have large desert mountain parks nearby but little open space integrated within the urban fabric. Urban green space, including desert and wetland habitats, provides opportunities to improve the ecological processing of pollution and to moderate the local climate. Open space also imparts green amenities—shade from trees, the aesthetic benefits of natural scenery, and recreational space—for all citizens.

Urban ecology

The emerging science of urban ecology, a subdiscipline of ecology that examines the interactions between organisms and the human-dominated ecosystems in which they reside, may provide additional solutions to urban environmental problems. Ecologists first began to perform comprehensive studies of plants, animals, soils, and environmental conditions in cities shortly after World War II, when there were many vacant sites within European cities. They began a tradition of examining open spaces, which supported volunteer plant communities and the animal populations associated with them. Ecological planning emerged as a professional discipline that applied knowledge of the open spaces in urban areas in an effort to enhance biological diversity and amenities originating from green patches in cities.

.In the 1990s, ecological research in urban areas burgeoned. To deal with the complex mosaic of land uses that now make up cities, suburbs, and exurbs, the traditions were combined, along with knowledge taken from other disciplines, to establish a comprehensive ecological approach to the study of urban ecosystems.

Urban ecology has grown increasingly important as a result of the migration of most of the global human population to cities. One of the by-products of this unprecedented phenomenon is that the world’s urban areas are expanding into environmentally sensitive locations, where they alter ecosystem structure through pollution and land-use conversion of natural habitats. The knowledge gained from studying biological communities in cities may assist in the development of improved urban design and decision making in dealing with such problems.

what is journalism and its different aspects?

 what are journalism and its different aspects?

what is journalism? it is basically an activity of collecting, assembling, and distributing fact-based news and relevant data in front of the public in unfiltered form. the term journalism signifies a profession known as a journalist this post has the responsibility of generating news from various sources or channels which consists of media, inside sources and eyewitnesses, etc.

6 different types of journalism:

1: Print journalism:

it basically involves works of investigation, reporting of events in newspapers, magazine,s or in printed form in a reach of wide audience . it also covers cultural aspect of society like arts & entertainment . photojournalist usually have an pair with printjournalist who click the pictures and make understand people through the medium of photographs.

2: Investigate journalism: 

these kinds of jounalist have an agenda of showing unfiltered facts and information.many times people don’t share all the information so in these situations the journalist show their skills to present and gather the truth and present it to in front of the public.

3:Broadcast journalism:

brodacst journalism jobs consist local news anchor weather reports and production crew.as we all see in television , film we heard about the behind the camera news which is anonymous to the public so they have basically work of showing the real story of behind scenes.

4:Review journalism:

 these types of jobs basically consist of writing about any event ,object , happening or any person as per their point of view in a true manner which should not be biased. these works excite the person as they have an chance of portay the things in as per their manner.

5:columns journalism:

columns are basically blogs which can be written in any field in which you have an expertise . it can be written on weekly basis .

6:feature writing:

it is also a kind of blog but it is long in length about any event , happening.it highlisht the point which was unseen . the information is gathered by interviews .it is very useful and if your blog got famous then you might get award .

What is Journalism ? Write different aspects of journalism?

What is Journalism?

Journalism is the collection and distribution of news and related updates on what’s happening around the world on social media, distributing posters and pamphlets, e-mails, magazines, blogs and many more. Journalism is the main pillar of our society or for our whole world because they work hard and they update news so we can watch, and read it. 

As in today’s world, the channels are increasing so much and the audience is also increasing watching it. Without journalism or journalist, we are nothing, we will not know any single news whatever is happening around us.

In today’s world if any student is making up their mind to start a career in journalism. You have taken the right decision. You will end up with a beautiful career in the Journalism field.

What are the different aspects of Journalism?

News

News is the most important factor in Journalism. News should be very much clear and it should be true. Remaking and over-repeating news bore citizens. Straightforward news likes people very much as they want to hear the fact.

Investigate

Before delivering any news on any platform we should investigate the matter. The investigation is necessary. If a matter has not been investigated and news has been delivered it shows a very bad impact on the news channel or the company.

Reviews

People share their reviews and their feedback. Reviews help a lot to understand the importance of the thing and help to improve or not. It might help in any way. Without review, nothing is accepted as good.

Columns

Columns are based primarily on the personality of the author, allowing him or her to write about subjects in a personal style. Column writers can take a humorous approach, or specialise in a particular subject area or topic. IColumnists need to develop a voice that is recognisable by their readership. Columnists can interpret events or issues or write about their own experiences or thoughts. Columns are usually published weekly.

Journalism is a very good profession and hard working. Journalists are the main pillar of our world.

Different aspects of Journalism

 Different aspects of Journalism

Journalism means covering, producing, and distributing news and information about various events, facts, ideas, and people. This is a form of communication where you interact with the audience. 

Journalism is not limited to one thing, each event, and happening, has different aspects of journalism like investigation, online, watchdog, politics, sports, entertainment, education, crime, etc. These are different aspects of Journalism:

Investigation Journalism

Investigation journalism deal with work toward uncovering hidden truth or facts about a person, matter, event, etc. It works to find the facts by studying cases that required a lot of effort. The scandals can be exposed by making headlines. A single case can take a few months or years due to complex procedures, so one should have a lot of knowledge and patience to work as an investigative journalist.

Watchdog journalism

Watchdog journalism guards society against illegal activity or inefficiency from societal powers, such as corporations and politicians. It is similar to investigative journalism. Watchdog journalists monitor the activities of large companies and influential figures and report activities that may have negative impacts on society. This type of journalism helps ensure societal powers remain accountable for their actions.

Online journalism

Online journalism reports facts through internet media, such as digital newspapers, blogs, or social media. All kinds of information are freely available on the internet, but sources are not always credible. Online journalists create and deliver content that is related to traditional journalism practices reporting the facts of a situation or event. Online journalism allows reporters to quickly deliver information to audiences through online media without delays for print layout, processing, and delivery or broadcast time slots.

Sports journalism

Sports journalism focuses on athletic news. Sports journalists report scores, standings, and rankings for different teams or athletes in different sporting events. It can be both print and broadcast media. Sports commentating is a form of sports journalism in broadcast and online journalism.

Entertainment journalism

Entertainment journalism relates to the current events of popular figures and trends. Entertainment journalists provide news about the entertainment business, including celebrities, movies, television, books, and events. Entertainment journalists may cover movie premiers and awards ceremonies as well as news about the entertainment industry. 

Political journalism

Political journalism focuses on government, politics, and political candidates. It covers different segments of political activity, such as local, national, or international news. Political journalists often report on the activities of elected officials, political processes, and the results of political work. It includes reporting political news and conducting investigative and watchdog reporting to ensure that the public has access to information about political activity.

History of National Flag of India

 History of National Flag of India

Each country has their own flag which represent their patriotism towards their nation . India is also has their own flag which represent the whole nation.
A flag is the most important symbol of a country. The national flag of India is a symbol of honour, patriotism, and freedom for the country.
As India is secular country there are different people who belongs to different cultures, religion, caste , language,etc so Indian flag represent the unity of a people inspite having different religions, caste , language, culture ect.
Indian flag is a horizontal rectangular tricolour and it consists of saffron , white, and green colour and their is one spinning wheel in between saffron and green colour.

The proposal of the flag to the Indian National Congress was made by Mahatma Gandhi in 1921. The flag was designed by Pingali Venkayya . In the centre of the flag was a traditional spinning wheel.
The national flag of India was adopted in its present form during the meeting of Constituent Assembly held on 22 July 1947 , a few days before India’s independence from the British on 15 August 1947.
India never had a National Flag that could represent it as one nation. The need for having a flag wasn’t really felt by Indians until the partition of Bengal was announced. That day was declared as the national day of mourning. A year later, on the anniversary of anti – partition movement a flag was unfurled. It was designed by Sachindra Prasad Bose. After the partition was annulled people forget about the flag. Madam Bhikaji Rustom Cama who attended the 2nd International Socialist Congress in Germany gave a speech about the political fight with British and waved the flag . It was made by Hem Chandra Das. Years later in 1917, during the Home Rule Movement Bal Gangadhar Tilak and Mrs. Anne Besant also designed a flag .
Four year later in 1921 Gandhi ji asked Mr Pingley Venkayya to design a National Flag, for freedom movement, which should have a ‘Charkha’ in the flag as it represented self reliance, progress and common man . It was also called the Swaraj flag , the Gandhi flag and the Swaraj flag , the Gandhi flag and the Charkha flag . However, in 1931 , a seven – member flag committe was established in Karachi to modify the flag and they had given a new design.
The big day for India came when Lord Mountbatten announced the decision to free India. The need to have a flag thar is acceptable to all parties was realised and an ad – hoc flag committee was headed by Dr. Rajender Prasad to design the flag for free India. Gandhiji’s consent was taken and Pingley Venkayya’s flag was decided to modified. Instead of the Charkha , the emblem of Ashoka’s Sarnath pillar , the wheel , was decided upon . The National Flag was adopted on 22 July , 1947.

Rural Development

 What is Rural Development?

Rural development is a method where you can enhance the quality if life. Now a days rural area is also getting developed but they need more good facilities to upgrade their life.

In rural areas people mainly do agriculture and forestry. It is their main occupation in which they are living their life. But today nature have also changed a lot. People of rural areas also need better and good facilities to upgrade themselves.

Rural development is important not only for the majority of the population residing in rural areas, but also for the overall economic expansion of the nation.

Rural development is considered to be of noticeable importance in the country today than in the olden days in the process of the evolution of the nation. It is a strategy that tries to obtain an improved  and productivity, higher socio-economic equality and ambition, and stability in social and economic development.

The primary task is to decrease the famine that exists in roughly about 70 percent of the rural population, and to make sufficient and healthy food available.

The secondary task is to ensure the availability of clothing and footwear, a clean environment and house, medical attention, recreational provision, education, transport, and communication.

New Education Policy 2022

 New Education Policy (NEP) 2022

New education policy (NEP) 2022 is a policy in which all the education systems have been taken to a new and good quality level. With this policy, you will get all the world-class education in which you will make your career better.

In 2022 new education policy system they have three language formulas and a 5+3+3+4 strategy.

Some of the points in which you will get to know more about policy:-

* They will have the three language formulas i.e regional language, Hindi and English.

* They have changed the 10+2 strategy and instead of that now they have 5+3+3+4. Students will have various stages. They are

5 – Foundational stage

3 – Preparatory stage

3 – Middle stage

4 – Secondary stage

* They have mainly aimed at vocational education as a new education policy which will aim the students to know their regional language, mother tongue till 5 the years.

* Till class 5 they will only have their local language and in school and higher education, they will include the Sanskrit subject. 

* To learn the students the regional language easily they will get their instruction in that regional language instead of English till class 5.

* Master’s degree will be longer required.

* The policy wants that all the students get quality and equitable education in India in the gas group of 3 – 18 years.




Foundational stage (5)

The foundational stage will be the first 5 years of a child’s schooling. After 3 years the education the children will go to Anganwadi, kidzee and the nursery’s play school.

For the next 2 years, the children will develop their basic knowledge, activity-based learning

Preparatory stage (3)

The next preparatory stage will start from 8 – 11 years in which the children will learn basic literacy and numeracy skills that will help students to know more about the various subjects.

Middle stage (3)

The middle stage will compromise 11 – 14 years in which they will learn academic skills like reading, writing and language competencies. They will also develop their teamwork, and problem-solving.

Secondary stage (4)

In this last stage, they will be 14 – 18 years of age. During this stage, the students will learn all the basic subjects like Social science, Mathematics, Science, and English and they get the opportunity to learn various elective subjects. The secondary stage aim is to provide students with the skills and the knowledge they need to prepare for further education.

In this new education policy 2022, they aim to provide all the students get a world-class education and they can gain the knowledge of various things which will help to make their life better.


Online Banking

 Online Banking

Online banking means accessing your bank account online and carrying out financial transactions through the internet on your smartphone, tablet, or computer. It’s quick, usually free, and allows you to do tasks, such as paying bills and transferring money, without having to visit or call your bank. Many banks have free apps which let you use these services on your phone at any time. 

Facilities offered by Online Banking

  • You can check your bank balance at any time
  • You can pay your bills and transfer money to other accounts
  • You can check any linked mortgages, loans, savings accounts or ISAs
  • You can check your bank statements and go paperless 
  • You can set up or cancel Direct Debits and standing orders
  • You can check on any investments you might have that are linked to your account.

Security in Online Banking

Banks take lots of precautions to make sure your online account is safe. These include encrypted websites, timed logouts, and many authentication processes. Accessing your bank account online is generally safe. You should learn how to use online banking safely to secure your account.

Here are a few tips to keep your account safe:

  • Check your statement often and report any unusual activity to your bank.
  • Don’t reply to emails that claim to be from your bank that ask for personal details or passwords.
  • Always remember to log out of your online banking session.
  • Only use secure wi-fi connections to access your bank account.
  • Public wi-fi connections are often not secure, so it’s important not to use them for banking or to make purchases. 
  • Keep your operating system and anti-virus software up to date.
  • If you notice anything strange on your account, or you accidentally make a payment to the wrong account, get in touch with your bank as soon as possible.
  • Some banks offer instant card freezing, where you can block your card in your app without having to call or visit a branch. 
  • Choose your password carefully – create it by combining three random words and don’t re-use the same one for different accounts.


You can easily set up online banking with the help of instructions provided by your bank or you can contact them to take help with using the online banking services.

What is new National Education Policy and the changes in the education system of India

 What is new National Education Policy ( NEP) 2022?

The National Education Policy ( NEP ) 2022 is a policy document released by the government of India on 29th July 2020.
As education is important sector for the country’s  development, Government must be focus on education sector of the country. Due to the importance of education, government make many changes to improve this sector and for providing better education to the people of India.
It generally focuses on the students individual needs. It aims to provide them with access to world class education. It also make sure that the students don’t have must stress regarding to their studies as we all know that day by day students get depressed because of not clearing their exams so government also put their efforts to make the education system more flexible and adaptive.
The new national policy lays down objectives for improving the quality of the education system. The policy aims at creating a ” Global Knowledge Superpower” in the field of education. The policy also makes it mandatory for schools and colleges to make their curriculum flexible and holistic.

It changes many things in the education system of India as this initiative is taken by looking the perspective of students, teachers , parents , education experts , and civil society organizations.

New Education Policy ( NEP ) important points .

The New Education Policy aims to give quality education to all the people of India whether they belong to the lower caste or upper caste. Government make education affordable to all the students.
Some are the important points of New Education Policy – 
1. The policy aims to provide quality and adaptive education to all the children in the age between 3- 18 years .
2. Students can choose different subjects while studying in college and inhance their skills .
3. Students will now be checked on their ability to apply concept to solving real problems and giving better decisions rather than on how well they remember things from books. 
4. Now student will focus on studying 3 language in the school premises 1. Regional 2. Hindi 3. English.
5. To make it easier for students to learn regional languages, instruction in the first five grades will be taught in those languages instead of English.
6. Policy focuses on using different technologies to make study more accessible as now everything you will get online without a doubt.
7. Now education is given in same quality whether the students belong to urban area or rural area they will get the same quality of  education.
8. The policy propose several measures to improve the quality of teaching, such as mandatory teacher eligibility tests, teacher professional development programmes , and teacher education programmes at the elementary, secondary and tertiary levels.
9. This policy introduce a new 5+3+3+4 education structure, which moves away from the current 10+2 system.
10. It aims to increase the Gross Enrollment Ratio in higher education to 50 percentage by 2035.
11. The Government has announced that all higher education institutes will be governed by a single regulator, except the Medical and Law colleges .
12. The policy proposes to set up a National Higher Education Regulatory Council to oversee the regulation of higher education institutions.

Quality Education- Part of Sustainable Development Goal

Quality Education- Part of Sustainable Development Goal


Sustainable development goals are actions to create a just, fair, and equitable world ensuring no one is left behind. In 2015, all member states of the United Nations adopted the 2030 Agenda for Sustainable Development. This agenda is comprised of 17 sustainable development goals (SDGs) that provide a shared blueprint for a more peaceful, prosperous, and sustainable future for all.

Quality education

Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all. Education is a key to escaping poverty. Over the past decade, major progress was made towards increasing access to education and school enrolment rates at all levels, particularly for girls.

More than half of all children and adolescents worldwide are not meeting minimum proficiency standards in reading and mathematics. In 2020, as the COVID-19 pandemic spread across the globe, a majority of countries announced the temporary closure of schools, which affect the education of children worldwide.

The covid-19 has created a great education crisis. Most education systems in the world have been affected by education disruptions and have faced unprecedented challenges. School closures brought on by the pandemic have a great effect on children’s learning and well-being. It is estimated that 147 million children missed more than half of their in-class instruction over the past two years. This generation of children could lose a combined total of $17 trillion in lifetime earnings at present value. School closures have affected girls, children from disadvantaged backgrounds, those living in rural areas, children with disabilities, and children from ethnic minorities more than their peers.

Early indications from low-income countries based on phone surveys point to a small decline in attendance upon a return to school but a larger increase in repetition, which may increase dropout rates in coming years. The participation rate in organized learning one year before the official primary entry age rose steadily in the years before the COVID-19 pandemic, from 69 percent in 2010 to 75 percent in 2020. In most countries, early education facilities and schools were partially or fully closed for more than a full school year.

Insufficient skills are often mentioned as an impediment to effective information and communications technology use. Only 10 percent of countries could more than 70 percent of individuals carry out one of the activities that compose basic skills.

Gender inequalities remain for many indicators. Basic school infrastructure is far from universal. In 2020, approximately one-quarter of primary schools globally did not have access to basic services such as electricity, drinking water, and basic sanitation facilities.

Shares among least developed countries tend to be substantially lower. During the pandemic, schools in comparatively disadvantaged areas were less equipped to keep children and staff safe. In 2020, there were about 12 million pre-primary school teachers, 33 million primary school teachers, and 38 million secondary school teachers working in classrooms around the world, and 83 percent of primary and secondary school teachers were trained.

Thus, this sustainable goal aims to improve the education facility worldwide and provide good quality education which can lead to removing poverty.

Glimpse of New Education Policy

Glimpse of New Education Policy

The National Education Policy (NEP) 2022 is a policy document released by the Government of India on 29th July 2020. It outlines the government’s vision for the education sector in India over the next ten years. The policy has been developed after extensive consultations with various stakeholders, including teachers, students, parents, education experts, and civil society organizations. It covers all aspects of education, from early childhood education to higher education and vocational training. 


NIP aims to transform the education system of India by providing world-class education. The policy also aims at creating a “Global Knowledge Superpower” in the field of education. It focuses on the individual need of every student. The policy also seeks to create a more flexible and adaptive education system that can meet the needs of students and the economy.

Vocational Education is part of the New Education Policy. It includes teaching the mother tongue and regional languages up to the 5th year of schooling. The policy also makes it mandatory for schools and colleges to make their curriculum flexible and holistic.

Major Highlights of New education policy

  • It focuses on providing quality and affordable education to all children in the age group of 3-18 years.
  • Students will now be tested on their abilities to apply concepts to solving real problems rather than on how well they remember things from books.
  • The school curriculum in India has been updated to incorporate more core concepts and vocational education.
  • It focuses on using technology in education to make it more effective.
  • It focuses on a system where there is no distinction between rural and urban areas, and all children have access to quality education.
  • The policy wants to set up a National Higher Education Regulatory Council to oversee the regulation of higher education institutions.
  • It introduces a new 5+3+3+4 education structure, which moves away from the current 10+2 system.
  • The master’s degree (MPhil) course will no longer be required.
  • It says all higher education institutes (HEIs) will be governed by a single regulator, except the Medical and Law Colleges.
  • School board examinations will continue in 10th and 12th classes and redesigned to be more holistic and developmental.
  • Higher education will receive flexibility in subjects. There will be multiple entry points and exit points for all students.
  • UG programmed courses can range in duration from three to four years. The minimum duration required to get a certificate is one year. However, students can opt for a different route if they want to, such as obtaining a two-year Advanced Diploma or getting a B. Tech degree.
  • An academic bank of credit (ABC) will be created as a digital recognition awarded for a student’s academic performance.

Reinsurance

 Reinsurance 

Reinsurance is a process by which an insurance company insures an asset with another insurance company after it has collected premium and assumed the risk of the asset from the first party who had applied for the insurance cover of the asset. It can be called second level insurance. The insurance company (Insurer) want to insure and protect itself from liabilities. So, it approaches another insurance company and shares the risk of underlying asset with insurance company through a process called Reinsurance.

Reinsurance helps an insurance company to assume more risks than what it’s capital base and the accrued surpluses would normally allow it. If the Reinsurance contract involves more than one reinsurer, one company assumes the role of a Lead Reinsurer with other companies subscribing to the contract with the lead insurer.

The Reinsurance contract is a contract of indemnity, it means the amount will become payable only after the original insurer has paid the claim to the insured. An insurer can reinsure the underlying asset with more than one reinsurer. The premium of the reinsurance asset will be smaller than the original insurance premium. The original policy holder does not have any contractual agreement with the reinsurer.

The two types of Reinsurance products are Quota share and Excess of loss. They can vary in the manner, in which risk is shared between the Insurer and the Reinsurer. Retrocession it is the process by which the company that has accepted the reinsurance from different companies want to spread their risk with other companies. There are certain rules followed with reinsurance contracts. The important ones are: the Law of Utmost Good Faith deals with the disclosure of all material facts while entering into a contract. The Law of Follow the Fortunes directs the Reinsurer to discharge its responsibilities in terms of payment to the Insurer once the insurer has paid a particular claim to the original policy holder.