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5 Steps to Create the Perfect Outline

The writing process can be stressful, especially when you don’t know where to start. That’s why you need to begin with an outline.
An outline is simply a framework for presenting the main and supporting ideas for a particular subject or topic. Outlines help you develop a logical, coherent structure for your paper, making it easier to translate your ideas into words and sentences. Once your outline is complete, you’ll have a clear picture of how you want your paper to develop.
Here are five steps to a strong outline: 
  1. Choose Your Topic and Establish Your Purpose. A lot of writers struggle to define the initial focus for their paper. Trying to come up with a topic from a list of possibilities is a difficult task, but understanding your essay’s larger purpose is just as important. Having a goal or objective in mind will help you set guidelines and limitations on what is appropriate content for your essay. What do you want your readers to learn from reading your paper? What do you want them to understand about your topic? These questions can help you focus your ideas around the specific take-home messages you want to leave with your readers.
  2. Create A List Of Main Ideas. This is the brainstorming part of the writing process. The goal here is to come up with a list of essential ideas that you are planning to present in your article or essay. This step can be a list of arguments to answer a question, a list of resources, or it could even include tips on how to do something. No matter what the topic is, this step gives you a chance to get all of your ideas out and have a list of possible topics that you can touch on in your essay. 
  3. Organize Your Main Ideas. The goal of this step is to rearrange the list of ideas that you came up with in Step 2, putting them in an order that will make sense to you and the reader. There are many different strategies for organizing your ideas, and these will vary depending on the type of essay you are writing. Some common organizational structures are cause and effect, classification, chronological and process. Once you have put your ideas in order, you’re well on your way to developing the structure of your essay.
  4. Flush Out Your Main Points. After you have decided on the order of your main points, you’ll want to add some relevant content to help support each main idea. Your goal in this step is to expand upon your original ideas so that your reader has a better understanding of each point. You can add more detail to each concept by including examples, quotes, facts, theories or personal anecdotes. While this step may seem tedious, it will make your drafting process much easier. You’ll save time in the long run because your paper will be more logical and focused and your ideas will be fully developed.
  5. Review and Adjust. Most people would think that after step four your outline is done, but that is not the case. Writing is a repetitive process, and all good writers continue to review and revise their essay until they feel it is the best it can possibly be. The same goes for an outline; it should be like a roadmap that you use to direct your essay exactly where you want it to go. Make sure that you’ve included all of your ideas and established the connections between each of your main points.
Although outlining may seem like a long process, it will make the writing process a much easier experience.  Once you have your outline completed, all the hard work is done. You’re ready to start putting your ideas into full sentences and writing a logical, well-developed essay.  
Brandon Ramey, Marketing Intern at Herzing University, is currently a junior college student studying a degree in Business Marketing. Once he graduates, Brandon aspires to go back to graduate school for an MBA in Marketing. 

Impact of yoga on students life

Today on 21 June we celebrating the 6th annual international YOGA DAY, following it’s inception in the united nations general assembly in 2014. As we all know  yoga is an physical,mental and spiritual practice which originated in india. 

Yoga help us to maintain balance in life and in controlling the mind, body and soul and helps in achieving peace in life.

Yoga also play an important role in students life. Every students life go through ups and downs 
In today’s world where there is alot of pressure of exams and career that leads  students to go in stress and depression.To over come from these problems yoga can easy help the students. There are many positive impact of yoga on the life of a student. Yoga helps in managing stress and anxiety and keep relaxing 
Yoga asanas build strength , flexibility and confident 
According to the study of International Journal of Yoga, it was found that scholastic performance was enhanced in students who frequently practice yoga as campare to those who do not.As academic or scholastic performance was described as the capacity to perform tasks and show capability in academic tests with standard reviwirev method.
By doing yoga for 10min before going to start studies, it will help in increasing body energy level and boost concantration. Yoga can also done by taking break in studies. Sitting for long hour in one place tighten the muscles that caused by stress,it can be relived though 2 minute yoga practice.
Yoga enhances the brain’s capactic and improve intelligence quotient.
Many students have the problem of not able to focus on studies,this problem is also solve by yoga. Regular yoga practise help in boosting the focus level and lead to a disciple life. when a student studying and end up losing fucus he /she must get up and do 2 mintures of exercis it can be a normal wlak from study room to kitchen or can do some stretching.
According to the studies yoga practice has a positive effect on the brain and body. Yoga balance the blood pressure and keep heart rate normal when it goes on haywire mode under very pressure siuations like in exam hall.
Now days many student spend slots of time I front on computer and mobile screen to stuys that is leading to eye strain and headaches. Yoga allows you to take of you eyes and brain.
So to do more batter in life make  yoga part of the life  !!

Changing landuse pattern in haryana

Land is perfectly finite and scarce in relation to the ever-increasing human wants and needs. Judicious and rational utilization of land, hence land use management, faces the challenge to adjust its use by increasing the proportion of particular use over other uses or certain area can be put to multiple uses. There is variability in the land use pattern in different areas. Both physical factors such as topography, climate, soil types, as well as human factors such as population, density, technological capability and cultural and traditions play an important role in deciding the land use pattern of the areas. And as humans are evolving, progressing and our needs are increasing, and economic activities change with time, land use changes over time and space. Studying the changing land use pattern also helps to know the social, cultural and economic development of the area as well as the people. We can also know about the past condition of land and what the future condition will be. 

Irrigation is an important aspect of agriculture. Water is essential for agriculture, and food is essential for humans. Hence, in this study we also tried to see the association between irrigation and different types of crops and number of crops. It is done to see whether irrigation supports only some specific types of crop or all the crops. Also, the association between number of crops and irrigation tells us whether there is the practice of monocropping (where one or a few crops are grown in greater proportion) or practice of growing different types of crops in the area. 

Food is essential for survival; hence we are taking the state of Haryana for the trend analysis as it is one of the important states in terms of producing food. Haryana State came into existence simultaneously with green revolution i.e. 1966-67. After the formation Haryana emerge as leading State in field of agriculture production. The agricultural economy of Haryana is dominated by food grains. Haryana has emerged as one of the major food grains producing States in the country. Consisting only 2.3 per cent of country’s total area, Haryana has been contributing significantly to the food basket of the country. In 2012-13 country’s 120.78 million hectares area was under food grains production from it, 4.40 million hectares area under food grain production in Haryana; it is 3.64 percent of total country area under production of food grains. Haryana which covers only three percent of food grain area produced 16.23 million tons of food grain in 2012-13and this constitutes 6.31 percent of total food grain production; almost double share compares to area and greater than many large states. It is a matter of interest to know at what extent the land use pattern has been changing, what kind of changes in pattern the land has undergone over a span of 15 years.

Pradhanmantri Garib Kalyan Rojgar Yojana- A step towards employability of migrants

                                   Madhya Pradesh Migrant Workers Employment Updates; Pradhan Mantri ...

The Prime Minister on 20th June launched a rural public works scheme-Garib Kalyan Rojgar Yojana- to make migrant workers employable. One of the severely hit people are these migrant workers who were stranded without any jobs. They started to head back towards their hometown as they did not have any permanent place to live where they used to work. The central government has communicated with 116 district administrations to plan about formal employment engagement of a segment of these migrant workers. These districts will explore various sectors like hospitality, manufacturing, service and travel sectors to provide a formal employment engagement to these workers.

Highlights of this scheme:

  1. To address the vulnerable condition of migrant workers, this scheme will deploy 50,000 crores from among the outlays for 25 existing schemes for welfare.

  2. Under this scheme, 3,00,000 migrant workers will be trained and placed as apprentices in rural industries and other district level formal job clusters.

  3. Of the 3,00,000 migrant workers, 1,50,000 will be offered short-term skills and the other 1,50,000 will receive a certificate through a programme- Recognition of Prior Learning.

  4. The scheme will offer informal works immediately for 125 days, while 3,00,000 people will get formal work through this scheme.

  5. Under apprenticeship, an industry can employ an apprentice for three years at a stipend which is on par with minimum wages of semi-skilled workers.

This scheme is like one arrow and two shots. There are two benefits of this scheme

  1. This will train migrant workers in the formal job sector, which increases their employability.

  2. Since it is an apprentice programme, the industries will not have to worry about their permanent wages as they have to pay stipend for a short period. Also some amount of stipend will be reimbursed by the government which will be done under the Pradhan Mantri Kaushal Vikas Yojana and the Apprenticeship Scheme.

States chosen for implementation of this scheme:

Uttar Pradesh, Bihar, Rajasthan, Madhya Pradesh, Jharkhand and Odisha are the states where this scheme will be implemented. Across these states, 116 districts have been selected by the government to implement this scheme. These districts have estimated to cover about 2/3 of the migrant workers


5 Easy Proofreading Tips

Proofreading is an important, but often overlooked, part of the writing process. A few spelling and grammar mistakes can hurt your grade and leave a negative impression. Follow these simple proofreading tips to ensure that your writing is error-free:

Give yourself enough time for revisions

Avoid procrastinating on assignments and allow yourself enough time to review your work thoroughly. You’re more likely to recognize mistakes when you’re not burnt out or under pressure to meet a deadline. It’s wise to give yourself at least a few hours before the assignment is due so that you can check for errors and make necessary revisions.

Use spellcheck

It’s common for students to make spelling or grammar errors while typing, many of which can easily go unnoticed by the writer. Luckily, most word processing applications have a spellcheck function that catches your mistakes before you do. A misspelled word will likely be underlined in red, while a grammatical error might be underlined in blue or green. Pay attention to these marks and be sure to complete a full spellcheck sweep before you submit your work.

Print it out and read it aloud

Spellcheck is a great tool for fixing spelling and grammar mistakes, but it does not catch all errors. After you have finished your spellcheck, print out a copy of your work and review it yourself. Read aloud to check for missing, repeated and misused words. Make sure that your sentences flow smoothly and that you have used the right punctuation. Reading aloud forces you to look closely at each sentence and allows you to recognize errors that you might have otherwise missed.
Look for common errors
Look back on past assignments and review the instructor’s feedback. Do you struggle with proper comma use? Are there words that you tend to misspell? Note these issues and make a point to correct them in future assignments.

Have a friend or professor provide feedback

After you have finished proofreading, ask someone else to review your paper. He or she might find additional mistakes or have advice as to how you can improve your writing in the future. Seeking feedback from your peers and professors is a great learning opportunity and will help you become a better writer and proofreader.
All good writers take extra steps to proofread their work. Proofreading ensures that the final version of your paper is error-free and increases your chances of making a positive impression on your reader. You’ve already put in the work to write the paper — why not make it the best that it can be?

The Social Stock Exchange

                                            The Social Stock Exchange: Future-Proofing Capital Markets ...

The Finance Ministry was thinking upon the idea of a social stock exchange and gave a hint about the same in the 2019 budget. SEBI constituted a panel for it and the panel recently gave its recommendations regarding the exchange. Some of the recommendations are as follows:
  • Direct listing of non-profit organisations through the issuance of bonds and a range of funding mechanisms in a report submitted to the market.
  • The social stock exchanges can he housed within the existing stock exchange and such as BSE and/or NSE. This will help the SSE leverage the existing infrastructure and client relationships of the exchanges to onboard investors, donors, and social enterprises (for-profit and non-profit).
  • The profit social enterprises can also list on SSE with enhanced reporting requirement.
  •  To encourage, giving culture some tax incentives have also been suggested.
  • Fundraising instruments like equity and SVFs have been recommended for social profit enterprises and zero coupons zero principal bonds, SVFs, Mutual Funds (MFs), various pay-for-success structures, other securities for NPOs.

“These recommendations, if implemented as a package, can result in a vibrant and supportive ecosystem, enabling the non-profit sector to realise its full potential for creating social impact,” the panel suggested in its 72 page long report.

Is it a new concept?
Well, it is not a new concept. It has been tried in some countries. There are various models of it, like in London it acts as a platform to connect social enterprises with potential investors. In Canada the platform is called SVX and it also allows retail investors to invest. The social investment exchange of Kenya helps welfare organisation to connect with domestic and foreign investors. The impact investment exchange in Singapore, in partnership with Mauritius, allows only accredited investors to participate. In South Africa, the SSE SASIX works like a regular stock exchange where impact investors can buy shares in social businesses based on location and mission.
SEBI has also asked for public comments on the same and they can be send to SEBI till 30th June. 
It is definitely going to help NGOs, if implemented.

Educationists call for cancellation of JEE and NEET

As the covid 19 cases increasing swiflys in india and everyone is under distress during this pandemic it effecting especially the students as many of education institutions are planning to have their regular exams.But how will be it possible ? How will they condect it ? And most important question what are the measures for student saftys? 

All over the country students are demanding for cancelling the exams this year.Apart from students,  educationists are also calling for scrapping of all india level entrance exams this year.

Dr.  R Murali,Tamil Nadu secretary said ” everyone is under distress during this movie 19 pandemic and cases are only expected to increase in July and August. An examination for crores of students across the country would be higlhy impossible to be held safely At least for this one year, the exams must be scrapped for students sake. 
The main reason behind the scrapping exams said that studetst are facing mental pressures during this period.

They are proposing for an alternative assessment for admission to student.
It will me more better to consider scools borad exams marks than entrance exams.
On the other hand many of are saying that exams should not be cancle but just postponed it till the covid 19 situation is under control as many of students have prepared day and night for entrance exam plus many students do not done good in board exams.

Smart Answers to Common Interview Questions

An interview is the most important part of the hiring process. An interview helps the employer evaluate each job candidate and also allows the applicant to communicate why he/she is the best fit for the role. Most employers will use a variation of several common interview questions that are tailored to the job in question. While it is impossible to predict which questions the interviewer will ask, it is always best practice for you – the interviewee – to be prepared. Here are a few smart approaches to answer some common interview questions.

“Tell me about yourself…”

This is often the first question in an interview and an opportunity for you to set yourself apart from the other candidates. You should focus on your accomplishments, your previous experience, your goals and how you can bring value to the company.

“What are your strengths?”

This can be a difficult question because it is not always easy to identify our own strengths. Consider your previous work experience or your experiences as a student. What have you done well? In which tasks have you been most successful? Develop a list of 3-5 strengths and support each strength with examples that are related to your accomplishments. For example, if you believe one of your strengths is flexibility, follow up with an example of how you demonstrated flexibility at work or in school.

“What are your weaknesses?”

It is important to be aware of one’s weaknesses, but it is equally important not to dwell on them extensively during the interview. Reflect on one or two areas where you might need improvement, but also tell the interviewer how you are working to overcome those weaknesses. For example, if you lack experience with Excel or Word, follow up with an explanation of how you are working with the software to become more proficient.

“Why did you leave your last job?”

Always give a positive response, even if your reasons for leaving may not be positive. You might say, “I felt it was time to take on new challenges,” or “I wanted to pursue new opportunities.” A forward-focused response will help you avoid burning any bridges and will make a good impression on the interviewer.

“Tell me about your ability to work under pressure…”

Explain the instances where you have thrived under pressure and achieved better results. Pull in examples of how your communication skills minimized the stressful aspects of working under pressure, resulting in a successful project.

“Where do you see yourself five years from now?”

You should go into the interview with a few short-term career goals. Focus on goals such as growing and developing with the company, maximizing your skill sets and being a part of a highly productive team.

“How do you handle criticism?”

You want to show the interviewer that you can approach criticism as an opportunity to learn. You might say that you never take criticism personally and offer one or two examples of how you handled criticism with an eye on growth and development.

“What irritates you about co-workers?”

Working with others at work is a valuable quality. You could highlight to the interviewer that you can get along with all kinds of co-workers, and put emphasis on your flexibility and your willingness to adjust to other working styles. This presents you as a team player who is willing to take ownership of your working relationships.

“What qualities do you look for in a boss?”

Avoid listing overly specific qualities, as this could potentially limit you. Instead, consider how you work and learn best. List a few attributes of a good leader, such as competent, fair and encouraging.

“Why should we hire you?”

Stay focused on what you bring to the table. Bring your strengths back into the discussion and do not forget to re-establish how your experience has prepared you for the role in question. You want to show the employer how you can bring value to the organization and why you are the best candidate for the position.

“Do you have any questions for me?”

Always, always have questions for the interviewer to answer. Do your research before the interview so that you can ask thoughtful questions about the company. You can also ask questions about the role, such as, “What do you see as the first objective for this position?” or “What are your expectations for this position in the first six months?” Steer clear of questions about salary and benefits. There is a time and place for these questions, typically in the final stages of the hiring process or when the job offer is made.
These sample questions can be used as a guide to help you prepare for your interview. Consider each question, formulate a thoughtful answer and practice your answer so that you feel confident and comfortable on the day of the interview. While this list is not exhaustive, it will help you establish your strengths, weaknesses, accomplishments and goals — key talking points during any interview. By following the tips provided, you will increase your likelihood of impressing the hiring manager and walking away with a job offer.
Jack McCallum has been with the online business department at Herzing University since 2011. When not teaching, she serves as the President/Principal Consultant for HR Balance LLC—a consulting company specializing in human resources management, organizational development, leadership coaching, and training/development. She started HR Balance LLC in 2003 after years of serving in a leadership capacity for a variety of for-profit and non-profit organizations. A keynote speaker and presenter, Jack has served as an industry expert for radio and print media.

Online education during covid 19


ONLINE EDUCATION DURING COVID 19

Due to the covid 19 pandemic all over the world the education institution are closed. Now, Students do not need to get up early in the Morning for school, there is no more morning PT classes and no more scolding of teachers. But the education will not stop there; Indian education system has turned towards delivery of education via the internet — or online education. Teachers are using online platforms like Google classroom, zoom, skypy, whatApp for classes. Online classes ensuring that education will not stop due to corona virus. We human have not experience this before and most of us were not prepared for it sure. It’s a first time experience for all.

Research suggests that online learning has been shown to increase retention of information, and take less time, meaning the changes corona virus have caused might be here to stay.

There are many online platforms are providing free courses and online classes to help the students during this pandemics.

As it is a new experience for students so it has both positives and negatives impact on students

I would like to talk about positive side of it, now students do not have to travel for attending the classes now they can attend classes in their phone, it will save their time and students can use that time for self studies or for other activities. Another plus point is there is a button of mute on online platforms which help in muting the unwanted sound and noise from background that is not possible in a normal classroom it help both the teachers and students to actively focused on class.

However the other side of E-education is: as it’s an online platform teacher is not able to keep eyes on students plus not able to know who all are actively attending the classes. It will make student introvert as there is less changes of interacting with everyone. There is possibility that students only attend the classes that they want to attend it will impact the attendance of students.

Some students without reliable internet access and/or technology struggle to participate in digital learning. The Indian youth are also characterized by limited digital skills. Only 17.6 per cent of the youth could use a computer and 18.4 per cent could access internet. Especially the rural children do not have the online facilities like access of internet even some do not have mobiles and computers.

I can conclude it by saying that E-education is a good way of delivery education to students during this time but of now it is only urban quintiles in India are the somehow ready for online education. Government education policy during the covid19 needs a more egalitarian means of delivering education. The emphasis on online education has to be accompanied with changes in curriculum, textbooks, teacher training, examination systems and pedagogy. And most important to access basic facilities to rural children of online education, only than country like India will able to use E education as a way of delivery education to students.   


ONLINE EDUCATION DURING COVID 19

Due to the covid 19 pandemic all over the world the education institution are closed. Now, Students do not need to get up early in the Morning for school, there is no more morning PT classes and no more scolding of teachers. But the education will not stop there; Indian education system has turned towards delivery of education via the internet — or online education. Teachers are using online platforms like Google classroom, zoom, skypy, whatApp for classes. Online classes ensuring that education will not stop due to corona virus. We human have not experience this before and most of us were not prepared for it sure. It’s a first time experience for all.
Research suggests that online learning has been shown to increase retention of information, and take less time, meaning the changes corona virus have caused might be here to stay.
There are many online platforms are providing free courses and online classes to help the students during this pandemics.
As it is a new experience for students so it has both positives and negatives impact on students
I would like to talk about positive side of it, now students do not have to travel for attending the classes now they can attend classes in their phone, it will save their time and students can use that time for self studies or for other activities. Another plus point is there is a button of mute on online platforms which help in muting the unwanted sound and noise from background that is not possible in a normal classroom it help both the teachers and students to actively focused on class.

However the other side of E-education is: as it’s an online platform teacher is not able to keep eyes on students plus not able to know who all are actively attending the classes. It will make student introvert as there is less changes of interacting with everyone. There is possibility that students only attend the classes that they want to attend it will impact the attendance of students.
Some students without reliable internet access and/or technology struggle to participate in digital learning. The Indian youth are also characterized by limited digital skills. Only 17.6 per cent of the youth could use a computer and 18.4 per cent could access internet. Especially the rural children do not have the online facilities like access of internet even some do not have mobiles and computers.

I can conclude it by saying that E-education is a good way of delivery education to students during this time but of now it is only urban quintiles in India are the somehow ready for online education. Government education policy during the covid19 needs a more egalitarian means of delivering education. The emphasis on online education has to be accompanied with changes in curriculum, textbooks, teacher training, examination systems and pedagogy. And most important to access basic facilities to rural children of online education, only than country like India will able to use E education as a way of delivery education to students.   

Locusts- The Hungry Beasts

The farmers are already distressed because of Covid-19 and to add to their misery, the locusts have invaded their farms. After creating havoc in East Africa, Middle East and Pakistan, these swarms of locusts have arrived in India. 

What are locusts?

Locusts are nothing but grasshoppers in a group. They are grasshoppers when they are in solitary and locusts when they are in groups. They have been around but their sudden rise is associated with rise in cyclones and rainfalls. These environmental changes have been a favorable condition for them to breed. The increase in population density leads to changes in their appearance  and brain chemistry, which causes them to move in large groups or swarms. The current species are desert locusts. 

Why are they a problem?

Locusts basically eat everything that is green. A swarm of locusts consists of 40-80 million adults and that too in a range of one square km. They can cover an area of 100-150 kms in a day.They can eat as much as 10 elephants in one day. One locust has the capacity to consume 2.3kg of food per day. When there is a swarm attack for more than two continuous years it is called plague. 


As per the April data, they have destroyed 3,50,000 metric tons of cereal, nearly 2,00,000 hectares of cropland and over 1.3 million hectares of grazing land in Ethiopia. There were $2.5 billion dollars in crop damages after a 2003-2005 locust plague in West Africa. If not controlled they can do a lot of damage to the crops. The damage is not just related to crops but also the psychology of humans. Farmers put their heart and sole to raise crops and when they see it destroyed in minutes they are devastated. 


India is facing a problem after a span of 26 years. However, this time the locusts are immature and immature ones are more dangerous as they have a longer life span. The locusts that entered India are about 10-12 days old and are moving in search of food. Since, the Rabi harvesting is over and the Kharif sowing is yet to begin, they were unable to find any vegetation.

Is this a new problem?

Locusts have been a trouble for many decades. In the 19th century, Western America was troubled by a species of locusts called Rocky Mountain. They not only used to eat crops but also wool from the sheep, back of horses and even people’s clothes. These species are now believed to be extinct.   

How are they prevented?

They can be prevented to some extent with the use of some chemicals. There are experts who study weather patterns and past records of swarm to see where they might move next. That area is then sprayed with chemicals to prevent them. 


With the cyclone Amphan and early rains, these locusts will enjoy good breeding conditions in India and that will be a huge problem for Indian farmers.


Why You Should Think About Getting Your Business Management Degree

A bachelor’s degree in Business Management is designed to provide graduates with the skills necessary to compete in the diverse and ever-changing field of business. As a business student, you’ll deepen your critical-thinking and decision-making skills so you can immediately apply your new knowledge from the classroom to your work life.  
Business students are introduced to a variety of business topics including accounting, finance, management, organizational behavior, communication, research, business law, business ethics and project management. Once students understand these basic business principles, they can choose from one of several concentration areas to develop more specialized knowledge that aligns with their career goals.
These concentrations include:
  • Entrepreneurship
  • Human Resources
  • Marketing
  • Technology Management
Business students will also develop several key abilities that are in high demand by employers. Business programs are designed to not only prepare students for their initial positions, but also to lay the groundwork for their continued career growth and development.  As a business student, you will:

Understand the structure and interdependencies of business

Students will cultivate a basic understanding of how businesses operate. This allows graduates to appreciate the roles and responsibilities of their colleagues. Additionally, graduates must understand how global and technical trends affect a business and how to capitalize on them. This appreciation for how different aspects of a business interact with each other allows students to see the big picture.

Develop specialized knowledge

 In addition to understanding basic business principles, new hires should also be able to complete the specific tasks that are required in their role. Students will also become familiar with various computer programs and systems and learn how businesses can leverage technology to gain a competitive edge. At Herzing, students have the opportunity to pursue a variety of degree concentrations to develop specific skills that are central to their career goals.

Demonstrate professionalism and teamwork 

While it is important for employees to understand the fundamental objectives of their company, it is also critical that they work effectively and positively with other team members and customers. The degree program at Herzing incorporates these skills, which are in high demand by employers.
Herzing’s business program allows students to explore many different facets of business and develop an understanding of several key business principles. Graduates are not only prepared to embark on their business careers, but they will also have an understanding of how to contribute to the greater goals of the company.

REAL ESTATE SURVIVAL IN THE TIME OF PANDEMIC

As we are surviving through a virus called COVID-19, not just the health but it has been affecting each and every aspect of the people’s life. In terms of health we atleast have some of the precautions for our defense from it but in terms of other aspects specially buisness, we don’t even have precautions, all we are left with is finding a cure. One among the badly affected businesses is the real estate business. 
Impacts on the indian real estate business:

As the whole Indian economy is in crisis, the most anticipated result of it in real estate sector is delayed investment decisions, specially from the eastern countries. However, the actual possible impact is still uncertain as the COVID-19 situation remains volatile. 
As per the researchers, the impacts that we may face are:
1. If the COVID-19 stays longer than expected, the commercial real estate may face less investments as it is already a slow mover. 
2. In the current situation, investors are more likely to shift their investment into something more stable such as a bond market. 
3. According to UN, india is at risk of trade loss of about 2,500 crores as most of the real  estate investment in India came from Singapore, China and Hongkong in 2019.
4. As the export from China will be at pause, the cheaper supply will be hindered and this will affect the profit margin of the real estate developers. 
5. The recent crash in the stock market in India is another sign that suggests the reduce  investment in the real estate sector. 
Measure taken by Indian government to improve the situation:

In order to improve the economy and the stressed real estate sector the government has announced variety of financial packages, schemes and new ideas to formulate within the country. 
1. Under “Atmanirbhar Bharat”, government announced a financial package of ₹200 crores restricted to the local markets compulsorily. 
2. RBI has provided special fund of 30,000 crores for non-banking finance companies and Housing finance companies generating a wave of relief to the real estate sector. 
3. Extention of loan repayment period and reduced repo rate by RBI and extention if loan compliance for the current financial year has been a hope of light in the construction sector. 
4. Subordinate debt-based scheme, equity support, collateral free automatic loans and revised definition or classification are some measures for MSMEs which will  provide a force to the infrastructure sector as MSMEs supplies various construction materials to them. 
Conclusively, the real estate sector has to hold itself for even worse impact than assumed. As this pandemic is affecting the lives of people the real estate has already facing less investors and property buyers. But with the hope and positivity that as we have overcome many calamities previously we will overcome this too, we must continue our production and innovation and take the full opportunity in the bad times as well till the government finds a measure to stop the spread of this virus.

3 Reasons to be Cautious of Student Loan Relief Agencies

If you’ve heard advertisements such as, “You qualify for Obama Loan Forgiveness!” or “Sign up for loan forgiveness before it’s too late!” you might be tempted to call and ask about these loan forgiveness programs. However, it’s important to know that many “student loan relief agencies” or “debt reduction companies” often charge students large fees for unnecessary help with their student loans, or for necessary help that could be obtained elsewhere for free. Plus, you may not even qualify for forgiveness.
Here are 3 reasons why you should be cautious of these student loan relief agencies:

Large fees

While these companies sound like they have your best interests at heart, that may not be the case. One tactic of such agencies is to advertise, “You Qualify for Forgiveness!” and then enroll you into an income-driven repayment plan for a “low fee.” The company might submit your income-driven repayment plan application to your loan servicer and then charge you monthly fees on top of your federal student loan payment. What these companies might not tell you is that you could do this yourself at https://studentloans.gov/myDirectLoan/index.action or by working with your Department of Education Loan Servicer – for free! Other common advertisements will claim, “You Qualify for One Low Monthly Payment!” The loan relief company will submit a consolidation application on your behalf, even if a consolidation isn’t necessary. If you would like to consolidate your loans, you can also do so for free through the Department of Education.

Offering forgiveness without verifying eligibility

Students may receive a text message or voicemail claiming, “Your loan has been flagged for forgiveness,” but be careful. These phrases are used as marketing tactics to encourage students to apply for a forgiveness program. These companies can’t make you eligible and have no influence as to whether or not your loans will actually be forgiven. Some of them will file your application for you without verifying your eligibility for loan forgiveness. You get billed and you will have to pay for the service regardless of your eligibility. For eligible borrowers, student loan forgiveness is only available after you have made several years of qualifying payments. You can always call Herzing University’s Alumni Support Center or your loan servicer for help as well.

Failure to follow through with the service

Along with voicemails and text messages, students may see billboards, hear radio and TV ads, or receive social media messages regarding loan forgiveness plans. Before you call one of these companies, do some research. A quick Internet search of the company can bring up previous customer reviews. If you do choose to contact the company, ask how much the service costs. These companies are not affiliated with the Department of Education and some of them fail to follow through with the services you think you’re paying for. Even if the service was not performed, or was performed incorrectly, the student will still be charged a fee. Students should also be cautious of signing any contract, paperwork or releasing personal information to these so-called loan relief agencies.
Below are some examples of third-party advertisements:
  • Voicemail examples:
    • Trump is going to repeal the forgiveness plans. If you want this forgiveness, you must call immediately within 24 hours.
    • Your student loan payment can be cut in half or completely wiped away.
  • Text message examples:
    • Your student loans may be completely forgiven if you qualify. Find out by calling xxx-xxx-xxxx.
    • Your student loan qualifies for federal loan forgiveness! Call now at xxx-xxx-xxxx.
    • Your student loan has been flagged for forgiveness. Call now for forgiveness.
If you see one of these advertisements for loan forgiveness, it’s best to be careful and call your federal student loan servicer for free help. If you have questions about student loans, repayment plans, or forgiveness, feel free to contact Herzing University’s Alumni Support Center at 866-508-0748 ext. 01353 or alumnisupport@herzing.edu.
Dani Madson works in Herzing University’s Alumni Support Center. She graduated from St. Norbert College in De Pere, Wisconsin with a Bachelor of Arts Degree and is an expert in successful management of federal student loans.

3 Reasons Why a Marketing Degree is a Smart Degree

Marketing is a highly competitive and rewarding field. Businesses across every industry rely on marketing professionals to generate awareness of their brand and increase sales of their products and services. If you’re a strategic and creative problem-solver, then a career in marketing could be right for you.
Here are three reasons why you should consider pursuing a degree in marketing:

Marketing is a diverse career choice:

As a marketing student, you’re exposed to a variety of different subject areas and disciplines. For example, marketers need to understand basic business principles as well as elements of psychology to understand consumer behavior. Marketing graduates are able to apply their skills to a variety of different tasks, such as developing advertisements, creating websites, writing content, handling consumer research and/or leading marketing strategy. As a marketing student, you have the opportunity to find the type of marketing career that aligns with your interests and strengths.

Your skills are always in demand:

A degree in marketing ensures that you know how to communicate effectively and think creatively — invaluable skills in today’s job market. In fact, college graduates with strong communication and computer skills have the best career prospects and greater opportunities for career advancement. Marketing students develop critical research, analysis and problem-solving skills that can be applied to careers in sales, advertising, product development and public relations for both companies and agencies.

The future of marketing is digital:

Digital technology is changing the way that we interact with our world, and that includes the way consumers engage with companies and brands. Successful marketers are both analytic and creative since they use data to understand consumer behavior, develop brand strategy and make informed marketing decisions. It’s also important for marketers to understand how to leverage technology to motivate and engage consumers. If you’re a detail-oriented problem solver with a knack for thinking outside the box, then a career in marketing might be the perfect fit for you.
From TV advertisements to billboards to catchy jingles, marketing is all around us. As a marketing student, you’ll learn to develop, visualize and communicate ideas in a way that is not only creative but practical. Even more importantly, a marketing degree opens the door to many diverse career opportunities in a rapidly growing field.
Interested in a degree in marketing? Learn more here. 
Jason Morgan is the Campus President at the Herzing University – Minneapolis campus. Earlier in his career, Mr. Morgan held executive positions for various Fortune and Global 500 staffing organizations. He holds a Bachelor of Business Administration in marketing from Stephen F. Austin State University and a Master’s in Education with specialization in curriculum and instruction from Concordia University in Portland, Oregon.