Peter Lynch is one of the most successful and top value investor of all time. He was a legendary fund manager who gave 29% returns to their investors for 13 years in a row. He wrote books on value investing , where he shared his investment lessons which he learned and used during his journey as an investor. He is one of the greatest value investor of all time. He is a firm believer that an average investor can also pick winning stocks as Wall Street professional with right research, patience , steady discipline and common sense.
Some of his investment principles are –
1. Invest in what you already know – “The worst thing you can do is invest in companies you know nothing about. Unfortunately buying stocks on ignorance is still a popular American pastime.” -Peter Lynch
People can perform well by investing in what they already know. For instance if a doctor wants to invest in banking sector (about which he know nothing) , he will not have that great return as compared to if he will invest in pharmaceutical companies ( as he already knew about drugs, healthcare sector and their companies)
“Invest in what you know. It leaves out the role of serious fundamental stock research. People buy a stock and they know nothing about it. That’s gambling and it’s not good.” -Peter Lynch
So, it’s better to choose the company whose products/services are either used by you or you are familier of the products/services of that company in some way or other. These knowledge will lead you to invest in better stocks .
2. Invest in companies not in stocks – “Look for small companies that are already profitable and have proven that their concept can be replicated. • Be suspicious of companies with growth rates of 50 to 100 percent a year”-Peter Lynch
Behind every stock there is a company. If companies will perform well, the stocks automatically will perform well. So, it’s important to know about the company, it’s business model. Choose a company whose fundamentals are strong. A company whose business model is so easy to understand that anyone can understand and run that company.
“Go for a business that any idiot can run – because sooner or later any idiot probably is going to be running it” -Peter Lynch
Know a companies management, it’s fundamentals and then ask yourself , “are you able to understand the mission and vision of the company? “ or “If you’ll be given the responsibility to run this company, will you be able to run the company? “
If the answers to the above questions are a YES then it’ll be great to invest in that company.
So always remember that you have to invest in a company and not in a single stock.
“Behind every stock is a company. Find out what it’s doing.” -Peter Lynch
“Never invest in a company without understanding its finances. The biggest losses in stocks come from companies with poor balance sheets.”
3. Don’t take unnecessary risks. Take calculated risks – You don’t have to take risks which you can’t bear. Only take calculated risks.
Let’s say, you have $10 dollar, maybe if you will lost this, you won’t regret. But what if you lost $100 or $1000! Always buy stocks of the amount if you lose won’t regret. You are not required to put all your money in market and risk all that money. Instead put only that amount which if you lose won’t make you regret of investing.
Also, invest only the amount you will not need ever back in your life
4. Peter Lynch said that the most important thing that keep in mind while investing is : know why you own it.
“ You have to know what you own ,and why are you own it .” -Petrr Lynch
It sounds simple but it is not . He said when I asked most people they just don’t know why they own a stock . 80% of investors have no answer to this question .
They maybe hear some tip from anywhere and put their money at risk and when they lose it they blame institutions .
First you have to know the reason . Why you should invest in this company ,research about that company . Check their balance sheets . Without proper research you are not investing you are just gambling . Read and know as much as you can about the company. And remember to buy the company and not just a stock.
“If you’re prepared to invest in a company, then you ought to be able to explain why in simple language that a fifth grader could understand, and quickly enough so the fifth grader won’t get bored.” – Peter Lynch
5. Invest for long time- Lynch used to hold stocks for long period of time. He used to sell the stocks when the fundamentals of any company gets changed. This is his advice for all investors out there to not go behind short term profits but invest for a long period of time.
He even conducted many studies to understand the power of compounding.
“People who succeed in the stock market also accept periodic losses, setbacks, and unexpected occurrences. Calamitous drops do not scare them out of the game.”
Some more investment lessons by Peter Lynch :
• “Never invest in any idea you can’t illustrate with a crayon .”
• “The trick is not to learn to trust your gut feelings, but rather to discipline yourself to ignore them. Stand by your stocks as long as the fundamental story of the company hasn’t changed”
• “Whenever you invest in any company, you’re looking for its market cap to rise. This can’t happen unless buyers are paying higher prices for the shares, making your investment more valuable.”
• “There’s no shame in losing money on a stock. Everybody does it. What is shameful is to hold on to a stock, or worse, to buy more of it when the fundamentals are deteriorating.”
• “Never invest in any company before you’ve done the homework on the company’s earnings prospects, financial condition, competitive position, etc”
• “Big companies have small moves, small companies have big moves.”
• “Good management, a strong balance sheet, and a sensible plan of action will overcome many obstacles, but when you’ve got weak management, a weak balance sheet, and a misguided plan of action, the greatest industry in the world won’t bail you out.”
• “In the long run, a portfolio of well chosen stocks and/or equity mutual funds will always outperform a portfolio of bonds or a money-market account. In the long run, a portfolio of poorly chosen stocks won’t outperform the money left under the mattress.”
This is how he succeed in the world of investment. You can learn from him and help yourself to reach the level you want in investment.
Thank you.
Category: Business
Why did Windows Phone fail?
We all remember the time when Nokia made a deal with Microsoft to launch the Windows OS phones. And we also know some reasons why Windows Phones failed, which include; lack of accessibility to some useful Apps, partners like Samsung not launching Windows Phone, Microsoft’s approach to licensing Windows Phone, and the company’s failure to attract developers.
A former Nokia engineer shared some reasons behind the failure of Windows Phone on Reddit. He joined Nokia after the 2011 deal with Microsoft to put windows 7 on all its smartphones. And he also worked with the Nokia X project.
He believes that Microsoft’s failure to launch Android was the company’s biggest regret. Also, Microsoft underestimated Google and its services like G-mail, Google Maps, etc. Which ended up in 2012 when Google stopped funding efforts to make Apps for Windows Phone 8 and Windows 8.
He wrote, “Obviously Apple was red hot and Microsoft knew that, but Google was new to the OS business and they weren’t taken seriously enough. Android was pretty rough then, but the real value was Google’s services; when Google cut Microsoft off of YouTube, Maps, Gmail, etc, it made WP look cheap.”
The second reason mentioned was with ‘botched Windows 8’ and with the disgrace over ‘Microsoft metro interface’. Metro interface worked great with Windows 7 touch screen devices but it didn’t come out that great when Microsoft put it on the desktop in Windows 8.
The former employee wrote, “Before Windows 8, WP had a lot of people’s curiosity. After Windows 8, people associated the two together as bad products even though the teams then were pretty independent, and things done poorly on Windows 8 were not reflective of how the experience was on WP. Even with Windows 10, the stigma against Metro never recovered.”
He argues that as a leading tech company Microsoft still has a bad reputation due to its actions over the past decade. “At the time it was still horrible and it meant that the young guys who grew up hating Microsoft were making the big startups for other platforms,” the engineer said. He also said, “For all the negatives on the consumer side, coding for WP was always better than Android.”
After the harsh failure of Windows Phone, it was not possible to get the company back with more Windows Phone. By the year 2014, Android and iOS were blooming in the market, and no matter what Microsoft did to improve their Windows Phone there was no vital reason to switch. It was then when they decided to launch a secret work project “Nokia X”, the first android phone launched by Nokia.
A Handy Checklist for Google My Business Spam
If you work in local SEO, you know that dealing with spam on Google My Business is going to be a constant battle. This is especially true if you work in industries like:
- Legal
- Health
- Home services
We need to understand why Google My Business spam is so rampant.
Unfortunately, having keywords in your business name is a massive ranking factor. As an example, I performed a search for “emergency plumber Los Angeles” and here are the top three Google My Business listings ranking in the map pack:
The first result (24 HR Emergency Plumber Los Angeles Inc) is a lead generation website, which is against Google My Business Guidelines. The second result appears to be a lead generation website, too. The third result? You guessed it, it’s another lead generation listing, they don’t even list a website!
These companies sell leads to real plumbers at a hefty price. Clicking through View all to see all listings, you don’t find a real plumber until the 10th result! Outside of completely fake listings that need to be removed, sometimes competitors will keyword stuff their Google My Business name.
Our Google My Business Spam Checklists
There are two checklists: one for identifying potential listings violating Google My Business guidelines and the other is a reporting checklist.
The first checklist doesn’t need to be done frequently, but it would be beneficial to do it at least once. If your rank tracking is set up correctly for Google Maps, you will likely just need to pay attention to your map rankings. If you drop a position on a major keyword, what listing is outranking you now? If it’s a new listing, head to checklist no.2.
Checklist No.1:
- On google.com/maps, make sure you’re in the area you want to find spammers
- Use the search operator intitle:”keyword” to surface listings with the keyword in the business title
- Any listing that has the primary keyword is a Yellow flag
- Any listing that is ONLY named the keyword is a Yellow flag
- Any listing that has a modifier (-) is a Yellow flag
- Any listing that has no website is a Yellow flag
- On a Google Sheet, add the business name, address, phone number, website, and link to Google My Business listing for each Yellow flag listing
- Repeat this process for each major keyword (topic) that you/your client covers
- For good measure, perform a few raw searches in Maps as if you were a customer looking for the particular service, including the city name
This checklist enables you to find potential listings relatively quickly. These listings may be fake or could be completely legit. The second checklist will help us go through each listing, one-by-one, to build a case for the listing to be corrected or completely removed.
Checklist No.2:
Tip: (A “no” response on any checklist item will require documentation)
- Use the state’s business name lookup. Is there a business registered at the address?
- From the listing, click on photos and then go to Street View and 360º.
- Is there signage for the business?
- Is it a personal residence?
- In a new tab, do a search of the exact address/is the listing the only one at that address?
- Visit the website. Is the branding/logo the same as the business name?
- Does the site have an about page with real people or company history?
- Is the content heavily ‘SEO’d’ and generic?
- Is the content focused on connecting users to someone else (lead gen)?
- For industries that require a license, is one listed? If yes, is it a valid license?
This checklist should be used on each listing that has a Yellow flag.
Documenting Your Evidence
As you’re going through the checklist, you need to document all of your findings, this will be used when we submit the Business Redressal Form.
Open a Google Doc, name it appropriately, and let your documentation live there. Each listing should have it’s own Google Doc. The more detail you can provide in the document, the better. Some suggestions for added detail could include adding screenshots, external links with descriptions, etc.
Suggest an Edit or the Redressal Form?
If you are reporting a competitor that is just keyword stuffing their business name and the location is legitimate, you may want to consider simply suggesting an edit first.
- Pro tip: Do not use an email address that is associated with Google My Business listings. This can cause your other listings to be suspended. (h/t to my friend, Jason Brown).
If and/or when your suggested edit does not stick, then submit the redressal form. If the listing is fake, go straight to the Business Redressal Form.
Filling Out the Redressal Form
Follow the Business Redressal Form instructions and fill out the sections. When you get to the last section that allows you to explain why you’re requesting a redress, this is where your Google Doc is going to come in handy.
In this field, you can’t add photos, but you are able to include a link to your Google Doc. When grabbing the Google Doc link, make sure it is viewable by anyone with the link. If it’s not, Google Support will not be able to see the contents. Don’t just drop the link and submit, provide some context, and then place the Google Doc link.
Submit.
Repeat the process for each and every listing that you believe needs to be removed. Google recommends:
“If you have many URLs to report, we recommend submitting 10-100 at a time for a faster processing time. You can submit multiple URLs by clicking the ‘Add additional’ link or by uploading a spreadsheet with all the URLs.”
Now the hardest part begins, waiting.
In your original spreadsheet, add a date column and add the date that the redressal form was submitted. Timelines can vary depending on multiple factors but if nothing has happened after 10 weeks, then you’ll need to reassess the redressal and look for further evidence.
Having to deal with spam on Google My Business is frustrating and can be time-consuming, but if done correctly, can help protect users from spammers and help real small businesses. For more tips, check out SEMrush’s post about their Google My Business checklist.
High crop yield possible, Former NASA scientist makes amazing discovery
- A former NASA scientist Parag Narvekar has created sensors to enhance farm produce for farmers in Nashik, Maharashtra. He claims that new sensors will assist farmers to understand the weather and adjust their use of irrigation and fertilisers. According to Narvekar, the new sensors are more cost-effective than the already existing ones and have made sensors of Rs 10,000 that earlier use to cost Rs 1.5 lakh.
Cost-effective Sensors to Improve Farm Produce
- A resident of Nashik, Narvekar owns a company Sensartics that makes weather sensors and offers cost-effective solutions to farmers. Narvekar’s company has also collaborated in the past with more organisations to provide solutions to local farmers’ problems. In February this year, Sensartics collaborated with Sahyadri Farmers Producers Company (FPC) to establish sensors in Nashik’s grape farms to safeguard the farmers from losing their harvest because of odd weather. The team installs sensors at the root zone levels of the plants. These sensors calculated temperature, soil moisture and soil electrical conductivity. Sensors placed in the canopies measured humidity and leaf wetness other than temperature.
- Narvekar, with his team at Sensartics, has also established village level local weather stations that can provide precise weather forecasts beneficial for the local farmers, the efforts of Narvekar and his company have brought state-of-the-art meteorological stations within the reach of farmers.
- With this they Gained greater clarity around the potential of sensors to improve agriculture and food security.
reference- https://d-lab.mit.edu/research/mit-d-lab-cite/internet-things-low-cost-sensors-agriculture
Some successful entrepreneurs of recent time
Developing and Managing a business is called Entrepreneurship. The goal of the business is to gain profit. The entrepreneur should be innovative enough to make his/her business become a success. He/She should be having qualities of a good leader to execute the team work efficiently. This journey also comes with many risks.
Entrepreneurship includes start-ups and small business. Entrepreneurship creates jobs and helps in developing economy. Entrepreneurship does not have a specific path to follow. The path differs to for every aspiring entrepreneur according to their goals and their present conditions.
India has seen many of such successful entrepreneurs from a very long period. Here are some of the entrepreneurs of the recent times who managed to swim through the ocean and grab the trophy of success:
- RITESH AGARWAL (OYO ROOMS) : Ritesh Agarwal, founder of OYO Rooms was born in Odisha. He qualified the Thiel fellowship which was for entrepreneurs of age below 20. Ritesh founded OYO-On your own hotels and homes in 2013 and at the age of 22 he became a millionaire. The concept of OYO was inspired by Airbnb, a US based company. OYO headquarters is in Gurugram and the company has expanded to Malaysia and USA and 80 other countries.
- SHRADHA SHARMA ( YOUR STORY) : Your story was started in 2008 by Shradha Sharma. She Used to work at CNBC TV18 as a journalist before she decided to take this venture of start-up. Your story publishes stories of success of different people through their blog. The blog is published in 12 Indian languages. Now the net worth of the company is estimated to be $678K. More than 40,000 success stories have been published in the blog and has more than 10 million readers per month.
- BHAVISH AGARWAL ( OLA CABS) : Bhavish Agarwal was born in Punjab. He was a student of IIT Bombay and started his career by working in Microsoft. A Bad experience during one of his rented drive, gave him Idea of starting the car renting company. Ola cabs stared partnering with taxi drivers. They gave the comfort of booking the cars through mobile phones through the app to the customer. They also started partnering with auto drivers as well. Now the Net worth of the company is estimated to be $6.5 billion. Now Ola is renting e-bikes which aims bring revolution.
- KUNAL SHAH ( CRED) : CRED was started in 2018 by Kunal shah, Who is also known for starting the company freecharge. CRED is a app mostly for mobiles which helps the members to manage their credit cards in one place. Kunal Shah is a founder of tech company without engineering background . The company got funding before its execution. And it has a huge market as now.
The opportunities for an entrepreneur in India is very high and still growing. India is considered as a good investment destination. A report from pricwwaterhouseCoppers says that 2219 multinational companies emerge from India till 2024. A favorable environment for the business persons is developing in India. Along with government programs, private funds are also increasing in India and hopes to see much more successful entrepreneurs in future.
Happiness
Happiness is a state of mind which we possess when something good happens to us and we feel that goodness at our heart. This is an abstract feeling which is not materialistic and cannot be bought by money or some other possession. Happiness brings with itself a lot of positivity and also provides us with the motivation to go ahead and achieve other milestones. Happiness also maintains the zeal and enthusiasm for doing things and experiencing new paths. Happy state of mind also increases the age of people and lets them live a longer life.
Happiness is a key to healthy life; it sets a soul free and encourages it to explore the world and also gives us power. Happiness is a part of being successful in life it is that fruit which we all want to grow and thus we do so much of hard work throughout our entire life so that we can live a happy peaceful life after all. Happiness cannot be ever faked it comes straight out from our heart and it is priceless. At the end of a hard-earned day all we care for is some peace and happiness in our families and ourselves so that we can start another fresh day ahead.
4 levels of Happiness :
” Happiness is the meaning and the purpose of life, the whole aim and end of human existence” . Of course, there are a number of different types of happiness and each person has different things in life that make them happy and unhappy. It is important for people to be self- aware and to truly understand what makes them happy and content as individuals. Take a look at the different types of happiness below and think about the things in your life that maku you happy.
There are main types of happiness, these being related to; pleasure, passion and purpose.
Pleasure :
Pleasure is important to us human beings but its related benefits are relatively short term. A delicious meal, a nice meeting with friends or listening to our favourite music all produce endorphins and offerus happy moments that can be the highlights of our day. However, these singular moments don’t equate to long- term satisfaction.
Passion :
Being passionate about something whether a hobby cause or group activity and actively being involved with it can be a great source of happiness. These activites deliver contentment in the medium term and provide a sense of achievement and variety in life
Purpose :
Feeling like you are part of something bigger than yourself and that your actions will really matter can lead to a deep sense of fulfillment and long- term happiness. We all like to think that our lives have menaing and if you can find your ” calling” or be part of great team, group or organisation that are making a difference then chances are you will be truly happy.
Ultimate Good :
The fourth level of happiness is known as ultimate good. This is a fundamental desire we have as human beings for perfect truth, goodness beauty and love . Many people find this form of happiness through their religious beliefs. Even those who don’t believe in a higher power can find happiness in their pursuit of truth, beauty, love and goodness in themselves and in helping others. This level is happiness is often considered the most enduring and profound.
Different types of Happiness :
1. Joy :
Joy is when you win a hard- fought competition, you finally accomplish a project you’ve wanted to or times when you doible over in uncontrolled laughter when someone relates a hilarious story. Joy makes you feel great about yourself, makes you feel confident, assertive, capable, loved and fulfilled.
The feeling of joy is fleeting joy is presemt at the moment. It is possible to feel joy despite grief or uncertainty. Happiness can be found in many things. It transforms tough times into blessimgs and turns heartache into gratitude.
2. Love :
Second, on the list pf different types of happiness is love. Which means other things to different people still, a wholesome ,reciprocared love with another person seems to be the fundamental predictor of happiness. Here, we are not just talking about romantic love, it means to love with friends and family, as well as partners. When you’re in love, you’ re blissfully happy all the time.
3. Contentment :
The secret of Happiness is contentment which means a state of happiness or satisfaction . It isn’t a matter of being satisfied with what you have. Contentment not only holds the power tobmake you happy, but it will transforms your life in many ways.
4. Optimism :
Optimism is a type of happiness that reflects the belief that events or experience outcomes will generally be positive. The key to attaining happiness is to have an optimistic approach to life, as optimism reflects hope and faith, helping people believe that this world is the right place
5. Gratitude :
Gratitude creates positive emotions, like different types of happiness, joy, love, and contentment, it can undo the hold of negative emotions. It goes hand in hand with mindfulness in its focous on the present and greatfulness for what we have now, rather than wanting more and more.
6. Excitment :
Excitment can be anything from about a new job or moving to a different place and motivates youbto work harder and channel that positive energy into more constructive activity. Excitements is fleeting. It dissipates rather quickly and can turn into ennui. It sometimes acts as a motivating factor , and execitment often leads people to likely make a decision. Even a bad one as excitment leads to impulsivity.
7. Pride :
Last on the list of different types of happiness is pride. Yes, pride and happiness go hand in hand. You can take pride in your work and your family, your haome and yourself, and in anything you put effort, attention, and love into. It is a positive feeling in reactive to a jouous event.
There are 7 essential keys to happiness and success that will help to materialize both those things in your life:
* Gratitude.
* Be present
* Manage time Effectively
* Set smarter Goals
* Embody an Empowering morning Routine
* Tackle the MITs
* Focus on Health and wellbeing.
To get the most bang for the happiness buck, I’ve realized that I should complete four stages of reveling in a moment of happiness :
* Anticipate with pleasure.
* Savor the moment as I experience it,
* express my happiness to myself or others,
* reflect on a happy memory.
Four happy hormones :
* Dopamine
* serotonin
* Endorphins
* oxytocin
Strategies of Happiness :
* Do more activities that truely engage you
* savor life’s joy
* Learn to forgive
* Practice acts of kindness
* Nature relationships
* cultivate optimisim
* Avoid overthinking and social comparison
* Develop strategies for coping
STAY HAPPY 🤩AND KEEP SMILING ALWAYS😁 .BE HAPPY 🥳
START YOUR OWN BUSINESS PART-2
From the previous article, we learned about how important passion and profession are. What are the simplest ways to earn money from some of the businesses and most probably with the lowest investments. In this part, we will uproot some more businesses which can give you a stable income and highly demanded fields.
BAKING BUSINESS:
Baking business is one of the simplest ways to earn money. If you are great at cooking and love to bake this will be the best way for you to follow your passion. You can bake different types of delicious cakes. People always would love to have homemade foods and things. Thus, they will crave cakes too… You can even start this in your kitchen with a regular oven and other materials. You can even do chocolates, cookies. Sweets are the best to gift someone. Thus, there will be no negative statements to this idea. If you are also a creative person you can decorate and wrap them beautifully to attract the audience.
BOOK MERCHES:
Book merches are none other than book-related things and products. for Example, If you are a fan of The Chronicles of Narnia books or movies You can create some bookish merch which is related to the theme of NARNIA. Like, A printed coffee mug with a book theme (A famous quote or picture of the characters in the mug), enamel pins with the image of The Lion Aslan. Badges with the images or the quotes from the books. Postcards stamps, T-shirts even you can do a scarf with the quotes like a newspaper look. Most of the readers would love to have them in their showcase as well as in their Book photographs. And you can sell, key chains, bookmarks, bags, wallets, book sleeves, tote bags, Polaroids photos, watches necklace rings anything and everything related to books. There is a huge demand for these things among book bloggers and collectors. Especially, if you did customized products.
WORKSHOPS:
Conducting workshops is merely like teaching online or offline. It depends on your comfort zone. If you know any of the passions that are mentioned above or upcoming ideas or even any other related ideas you can do them to start your own workshop. For example, If you know mandala artworks you can teach them online or offline and for teaching them you can collect some amount as tuition fees. Remember, teaching is one of the precious Jobs in the whole world knowledge is not free. Even though if it comes free it’s not easy to teach someone. You should have some passion for teaching. And you should provide notes instructions videos and other requirements about the Art that you want to teach. Some of the ideas that you can carry out, if you know any of examples like, Journal makings, skincare products making, baking, Fashion designings, paper making, language skills if you have any bilingual skills like, German, French, Spanish, English, and Japanese, etc You can teach them and can get loads of money. Because students love learning new languages and there is a huge demand for bilingual People.
If you have passion for anything from the above… Start to develop the skill to take up as a passionate business. Most of the billionaires started from nothing. If they can why you can’t? If you can’t then who can? Let’s make our passions into actions.
Unemployment
Unemployment has become one of the biggest problems around the world. When an individual is an implied, he or she will know very less about the mankind. It is so difficult to face situation and handle situations when the individual is unemployed. Unemployment leads to many silly mistakes. And an unemployed person cannot take over the family and lead the family as well. There is a huge competition in highly populated countries like India. In order to be employed, the only method is to study hard and improve the skills and score better. Basically, the students are not showing good amount of interest towards the studies. Let us now see how to motivate them.
Covid crisis has made many people unemployed. It has taken away the basic need of living. Many people are left with the unfilled stomachs. Some people are dead about by not finding a way to live.
Types of unemployment :
There are four main types of unemployment in an economy frictional, structural, cyclical, and seasonal and each has a different cause.
1. Frictional unemployment :
Frictional unemployment is caused by temporary transitions in workers lives, such as when a worker moves to a new city and has to find a new job. Frictional unemployment also includes people just entering the labor force, such as freshly graduated college students. It is the most common cause of unemployment, and it is always in effect in an economy.
2. Structural unemployment :
Structural unemployment is caused by a mismatch in the demographics of workers and the types of jobs available, either when there are jobs available that workers don’t have the skills for, or when there are workers availabes but no jobs to fill. Structural unemployment is most obvious in industries undergoing technological advancements.
3. Cyclical unemployment :
Cyclical unemployment is caused by declining demand. When there is not enough demand in an economy for goods and services, businesses cannot offer jobs . According to keynesian economics , cyclical unemployment is a natural result of the business cycle in times of recession: if all consumers become fearful at once, consumers will attempt to increase their saving at the same time, which means there will be a decrease in spending, and businesses will not be able to employ all employable workers.
4. Seasonal unemployment :
Seasonal unemployment is caused by different industries or parts of the labor market being available during different seasons. Fot instance, unemployment goes up in the winter months, because many agricultural jobs end oncr crops are have harvested in the fall, and those wotkers are left to find new jobs.
Consequences of unemployment in an Economy :
Low unemployment is key to economic stability High and long- term unemployment can cause significant stress on a nation in three key areas.
* Individuals :
Unemployed people have no ability to fulfill their financial obligations and can become mentally stressed, ill, and even homeless.
* Economic efficiency :
During times of high unemployment many job seekers will accept new jobs below their skill level, a situation called “underemployment ” which translates to a loss of human capital for an economys labor market. Unemployed workers will also significantly decreases their consumer spending, which is one of the driving forces of economic growth. Without consumer spending, the economy will slow dramatically.
* socio- political stability :
If unemployment remains high, citizen dissatisfaction can rise to the point of widespread civil unrest.
Possible solutions for Unemployment :
Solving unemployment is a hotly debated topic, and no economists agree on one simple way to do it. However, in the U.S ,if unemployment rises noticeably, the government usually steps in with specific policies designed to lower the total number of unemployed people.
1. Monetary policy :
Monetary policy is financial influence implemented by a central bank . Monetary policies usually come in the form of lower interest rates, which increase the total money supply within an economy by allowing banks and businesses more access to loans and therefore, more accessible spending power.
2. Fiscal policy :
If expansionary monetary policy doesn’t adequately lower the unemployment rate government agencies will turn to fiscal policy. Fiscal policy is fiscal stimulus implemented by the national government and fiscal policies include spending on infrastructure, proposingtax cuts , increasing the minimum wage, or implementing unemployment benefits. These methods are designed to inject more demand into private economy and strengthen economic activity.
Let us now see some of the ways to motivate the students to study and get employeed.
• Make things easier :
Showing the things easier and explaining them with clarity helps the students to show better interest on the subject and makes them to pay more attention on what the teacher is trying to convey. When the topics are shown easier for the students, they start learning them and they feel achieved and they pay more attention to study. When a student learns a particular topic or a question, he/she feels comfortable and happy for getting it. Once if they start reading, they develop the interest in them and they continue to read more and more.
• Tell the importance :
The students must be motivated with good number of words to understand the need of studying and what happens if they don’t study. A student is like a bird without the wings when they don’t study. So, it is very important to motivate students to study and to make them understand the need of the situation. Motivation brings the right change in the students who are not interested in learning. It develops the interest in them to study.
It seems good if the government provides good number of jobs.
Deserts
In the world we find varied geographical regions which includes mountains, plains, deserts, plateaus all with their own physical features. Desert is basically a piece of barren land which is filled with sand and lacks water bodies and have dry weather all along. In day time deserts are extremely heated up and at night it becomes chilling cold at the same place. In the Indian subcontinent we find desert in the western part of the subcontinent in the state of Rajasthan.
The animals and plants in the deserts have their own adaptations, among plants we find a variety of cactus, cactus plants have special adaptations to survive in the desert, they have fleshy stem which holds water in them which turns out to be useful when there is scarcity of water also they have very long roots which can penetrate deep inside the soil in search of water also they don’t have leaves and have thorns in place of them in cactus the food is prepared in the step as it contains chlorophyll and is green in color. Also, we find camel in desert their feet have adaptation to walk on the sand also they can survive with less water and they have long eyelashes to protect their eyes from dust storms.
Types of Deserts :
1. Coastal Deserts :
Coastal deserts occur in cool to warm areas along the coast. They have cool winters and long, warm summers. Coastal deserts are located on the west coasts of continents between 20° to 30° lattitude. Winds off the coast blows in an easterly pattern and prevents the moisture from moving onto the land. The Namib desert in Africa and the Atacama desert in chile are coastal deserts.
2. Subtropical Deserts :
Subtropical deserts the hottest deserts. They are found in Asia, Australia, Africa and North and south America. In the united states, the chilhuahuan, sonoran and Mojave are all subtropical deserts. Subtropical deserts are very hot and dry in the summner and cooler but still dry in the winter. Rainfall happens in short bursts. The air is so hot and dry in these deserts that sometimes rain evaportaes before it even has a chance to hit the ground. The soil in subtropical deserts is usually either sandy or coarse and rocky.
Plants and animals in subtropical deserts must be able to withstand the hot temperatures and lack of moisture. Shrubs and small trees in the subtropical desert usually have leaves adapted to retain moisture. Animals in sbtropical deserts are usually active at night, when it is cooler.
3. Cold wintet Deserts :
Cold winter deserts are also known as semiarid deserts . They have long, dry summers and cold winters with low rain or snowfall. In the united states the Great basin, the colorado plateau and the Red Desert are all cold winter deserts. Other cold winter deserts include the Gobi desert in china and Mongolia and the patagonian desert in Argentina. The lack of rainfall in cloud winter deserts is often caused by the rainshadow effect. The rainshadow effect happens when a high mountain range stops moisture from reaching an area. The Himalayan Mountain prevent rainfall from reaching the Gobi desert.
4. Ploar Deserts :
Polar deserts are found in the Arctic and Antarctic regions. Like warmer deserts, they also get very little precipitation.polar deserts are cold year- round.
Largest Desert in the world :
The antarctic polar Desert, which makes up the vast majority of Antarctica, is the largest desert in the world. In fact this single desert is larger than the combined size of the Gobi Desert, the Arabian Desert, and the sahara Desert.
* The driest desert of the world Atacama is surely the most dangerous desert of all.
The strongest animal in the Desert :
Based on strength to weight ratio, the dung beetle of the scarab is the strongest creature on earth. They can lift 1141 times their own body weight. It helps them a lot in finding the mate and food. The dung beetles also constitute a large percentage of scarab family.
The 7 hardest Animals to Hunt :
* Leopards
* Mountain Goats.
* Elk
* Eland.
* cape Buffalo
* Roan and sable
* Bears.
what can kill you in the Desert?
Aside from the oppressive heat and lack of water, the desert is also full of critters that can bite and sting. Some of these guys can even kill you if you aren’t able to find medical help. Spiders, scorpions, centipedes, and snakes are all found in dark places , abandoned builidings and under rocks.
Most Famous Deserts :
* Namib Desert – Africa
* Atacama Desert – South Americs.
* sahara Desert – Africa
* Gobi Desert – china
* Mojave Desert – Nevada
* Antarctic Desert – Antarctica
* Sonoran Desert – USA
* Thar Desert – India
* Rub’al khali – saudi Arabia
* Tabernas Desert – spain
* Taklamakan Desert – central Asia
* pinnacles Desert – Australia
* Salar de uyuni Desert – Bolivia
* Dasht- e kavir – Iran
* Chihuahuan Desert –New Mexico
* White Desert, Farafra – Egypt
Plastic bags
We human beings are the one who is responsible for polluting our nature and thus in turn nature also takes its revenge through various calamities, diseases, pandemic and so on. We all know that pollution is mainly caused by non-biodegradable wastes and plastic is such a non-biodegradable product which we human beings use very frequently in our everyday life, starting from plastic bags to toys, containers, food packaging almost everything has the use of plastic in it and thus is also generates a lot of waste daily. Plastic being a non-biodegradable waste stays into the soil or water for years and does not decompose rather they choke animal and water creatures also restricts plant growth and leads even to their death sometimes when the roots get entangled into them. Non-biodegradable plastic waste if burnt emits toxic fumes which in turn causes severe air pollution and is extremely harmful for living beings. We have got so much use of plastic that we cannot completely stop the use of plastic we can reduce it to some extent. To save the nature and environment from pollution we can follow the 3R’s i.e., Reduce, Reuse and Recycle. Recycling plastic is a great method which is even sustainable and can help us save our nature.
Package :
Several design options and features are available. Some bags have gussets to allow a higher volume of contents, special standup pouches have the ability to stand up on a shelf or a refrigerator, and some have easy opening or reclosable options. Handles are cut into or added into some. Bags can be made with a variety of plastics films. Polyethylene is the most common. Other forms, including laminates and co- extrusions can be used when the physical properties are needed. Plastics to create single use bags are primarly made with Fossil fuels. International plastic bag free day is celebrated on july 3.
Medical uses :
Plastic bags are used for many medical purposes. The non purpose quality of plastic film means that they are usefu for isolating infections body fluids ; other porous bags made of nonwoven plastics can be sterilized by gas and maintain this sterility. Bags can be made under regulated sterile manufactoring conditions ,so they can be used when the infection is a health risk. They are lightweight and flexiblr, so they can be carried by or laid next to patients without making the patients as uncomfortable as a heavy glass bottle would be. They are less expensive than re- usable options, such as glass bottles.
Flexible intermediate bulk container :
Flexible intermediate bulk containers are large industrial containers, usually used for bulk powders or flwables. They are usually constructed of women heavy-duty plastic fibers.
Plastic shopping bags :
Open bags with carrying handles are used in large numbers. Stores often provide them as a convience to shoppers. Some stores charge a nominal fee for a bag. Heavy duty reuseable shopping bags are often considered environmentally better than single use paper or plastic shopping bags. Because of envirpnmental a little problems, some locations are working toward a phase- out of lightweight plastic bags.
Danger to children :
Thin, comfortable plastic bags, especially dry cleaning bags, have the potential to cause suffocation. Because of this about 25 children in the united states suffocate each year due to plastic bags, almost nine- tenth of whom are under the age of one. This had led to voluntary warning lables on some bags posing a hazard to small children.
Uses :
Plastic bags are used for diverse applications. Bags of crisps, gardening supplies, bagging vegetables, blood platelets, inner bladder for bag-in – box , pastry bag with convenience closure, ostomy bag, bin bag, string bag made of plastic fibers, porous bag for cooking rice, Intravenous therapy, evidence bag, travel toiletries in a reclosable plastic bag, woven plastic fiber bags used for sand, A plastic body bag.
Different Types of plastic Bags :
* High Density polyethylene (HDPE)
* Low Density polyethylene ( LDPE)
* Linear Low Density Polyethylene ( LLDPE)
* Medium Density polyethylene (MDPE)
* polypropylene ( pp)
* The problem with plastic bags. Plastic bags start out as fossil fuels and end up as deadly waste in landfills and the ocean. Birds often mistakes shredded plastic bags for food, filling their stomachs with toxic debris.
Health and Fitness
Staying healthy and fit are directly proportional to each other. In order to lead a healthy and fit life we need to focus on some prime practices which will not only make us physically fit but will also provide us with peace of mind. Staying heathy and fit keeps us away from diseases and thus its medications and side effects. A healthy body homes a healthy mind, and a healthy mind boosts the productive thoughts help us to deal life with positivity in a healthy way. But staying healthy and fit requires discipline, one must have a balanced diet, eating less never makes someone healthy and fit whereas eating the right nutritious food in the right quantity does so. A healthy diet must constitute of all the five nutrients as well as water and roughage. Starving is highly not recommended, giving the body the required nutrients is important. In order to stay fit and healthy one must also regularly practice yoga and physical exercise; these enables movement of each and every part of the body and thus ensures its flexibility also ensures growth and increases stamina. Staying away from negative environment and people is another major practice which is encouraged in order to ensure a healthy and fit body.
If you want to start your journey a having a better body to feel great, here are some tips :
* Exercise daily for at least an hour
* Eat the Right foods and portion each meal.
* keep track of calories and food intake per day.
* Be sure to get sleep.
* Stay motivated.
5 components of physical Fitness :
* cardiovascular Endurance.
* Musular strength.
* Muscular endurance.
* Flexibility
* Body composition.
* The difference between fitness and health is Health is defined as a state of complete mental, physical and social well- being, not merely the absence of illness or infirmity. Fitness is the ability to meet the demands of the environment.
* The connection between health and fitness is physical fitness, by its very nature, significantly strengthens the bod’s immune system. Therefore, it may substantially reduce the likelihood of liness and disesase, and well as improve the way the body copes with illnesses when they occur.
* The three categories of health fitness and wellbeing is physical, emotional and social wellbeing.
Why is health and fitness so important?
Regular exercise and physical activity promotes strong muscles and bones. It improves respiratory, cardiovascular health, and overall health. Staying active can also help you maintain a healthy weight reduce your risk for type 2 diabetes heart disease and reduce your risk for some cancers.
* There are six skill- related fitness components: agility, balance, coordination speed, power and reaction time. skilled athletes typically excel in all six areas. Agility is the ability to rapidly and accurately change the direction of the body
* The principles of specificity, progression, overload, adaption, and reversibility are why practising frequently and consistenly are so important if you want to improve your performance.
The health benifits of exercise :
* helps you contro your weight.
* Reduce your risk of heart disease.
* Help your body manage blood sugar and insulin levels.
* Help you quiet smoking
* Improve your mental helath and mood.
* Help keep your thinking , learning and judgement skills sharp as your age.
* Exercise prescription is based on 5 priniciples are type, duration, frequency, intensity and volume.
So stay healthy and stay safe . This pandemic days wants more food to our bodies to get more immunity. Be fit and Be happy . We fight with this covid with our lifes . Be strong these are all will helps to us.
Profitable pearl farming
- All farmers do farming, but nowadays Pearl farming trend is rising rapidly. Fewer labor and greater benefits are proving to be a bargain. Earlier, training for Pearl farming was given at Central Institute of Fresh Water Aquaculture, Bhubaneswar (Odisha), but now many other organizations are providing the training in the state.
- The most advantageous season for pearl cultivation is the time of autumn i.e. October to December. Beads can be cultivated in a pond of at least 10 x 10 feet or larger. For pearl cultivation, pearls can be generated from a maximum of 25000 oysters in a tiny pond like 0.4 ha. To start farming, the farmer has to gather oysters from pond, river etc. or they can also be purchased.
- After this, after every minor operation in each oyster, simple or designed beads with diameter of four to six mm like Ganesha, Buddha, floral shape etc. are put inside it. The oyster is then closed. These oysters are kept in nylon bags for 10 days on anti-biotic and natural feed. These are scrutinized daily and dead oysters are eliminated
Profits of pearl farming
- A single oyster costs around 20 to 30 rupees at a lesser cost. The price of one mm to 20 mm oyster pearl in the market is around Rs 300 to Rs 1500. Nowadays designer beads are being liked very much, which get good price in the market place. Much better income can be earned by trading pearls in overseas market than Indian market. After eliminating the pearl from the oyster, the oyster can also be marketed. Many decorative items are made by oyster. The work of obtaining fragrance oil from oysters in Kannauj is also done on a huge scale. Due to which oyster can also be sold in the local market instantly. The water of streams and ponds is also filtered by oysters, so that the problem of water contamination can be dealt with to a great extent as oysters are voracious filter feeders, they keep the water clear of pelagic algae & floating detritus
- It is a Source of income for pearl farmers
- While pearl oysters are edible, they are rarely consumed. This means they can be bred in murky, possibly polluted water to achieve points 1 & 2
- If they are to be eaten as well as to produce pearls, then they need to be bred in unpolluted water. However, selling them as food, if not for humans then at least as pet food, after harvesting the pearls provide the farmers with an additional source of income
- It usually takes 20 to 24 months to give you results but if cultivated properly it usually gives you an income of 10-12 lakhs that is around a profit of 8 lakhs.
- Pearl cultivation gives you a large amount of profit while only requiring your skill and will to give you such good results.
Other prospects of pearl farming
- For handling a pearl farm effectively, one needs to check the farm consistently. By doing so, you will know if there are any broken or missing lines. Also, check for any absent shells from the site.
- Next step is to regularly clean the site since of the amount of useless organisms that breed on the lines, shells and other hanging materials. While cleansing, you have to take special care as pearl oysters tend to get stressed out after cleaning is done. Frequent cleaning can be prevented and should be done once in a month.
reference- https://agrifarmingtips.com/profitable-pearl-moti-farming-info-and-guide-for-beginners/
https://link.springer.com/chapter/10.1007/978-3-319-96776-9_5
Ethics
Ethics is a branch of philosophy dealing with the issue of morality. It implies the concepts of what right and wrong conducts are. Ethics define how a person should act in some specific situations. It is not a new term, but it has been there since the Stone Age. Different religions and many philosophers have also made a substantial contribution to ethics.
There are different branches of ethics. First of all, comes descriptive ethics. Descriptive ethics include what people actually consider right and wrong. Accordingly, laws are made regarding that and if they are even acceptable or not. The moral principles of society keep on changing from time to time. However, the basic ethics remain the same. Descriptive ethics are also called comparative ethics. They are given the name comparative ethics as they are used to compare the ethics of past and present scenarios. Also, they are used to compare the ethics of different societies as well.
Then comes the next branch of ethics- Normative Ethics. Normative Ethics deals with some specific norms or a set of considerations. These norms indicate how people should act in some given situations. These ethics set out the rightness or wrongness of people’s actions. Normative Ethics are also known as prescriptive ethics. This name is given as there are principles involved with these ethics and those principles determine whether the actions of people are right or wrong in different situations.
Types of ethics :
1. Deontological Ethics :
* In moral philosophy, deontological ethics or deontology is the normative ethical theory that the morality of an action should be based on whether that action itself
* Deontology is an ethical theory that uses rules to discern the moral course of action. Diffusion of responsibility. Diffusion of responsibility occurs when people fail
* Deontology morality is about following a system of rules, like ” Do Not Lie ” or ” Do Not Steal” .
* Ethics or moral philosophy is a branch of philosophy that involves systematizing, defending Deontological ethics.
2. Utilitarianism :
* The most common example of normative ethical theories are utilitarianism, kantian duty- based ethics and divine command theory.
* utilitarianism means, act in your own self- interest. Utilitarianism is that which is moral only if the act produces the greatest.
* Utilitarianism is a moral theory that implements fair choices is an effort to ensure the least amount of harm is done to all parties involved.
* However, some contemporary utilitarians , such as peter singer, are concerned with maximizing the satisfaction of preferences, hence prefernce utilitarianism.
* utilitarianism is an ethical theory that asserts that right and wrong are best determined by focusing on outcomes.
3. Consequentialism :
* consequentialism refers to moral theories that hold the consequences of a particular action form the basis for any valid moral judgment about that action.
* consequentialism is a class of normative, teleological ethical theories that holds that the consequences of one’s conduct are the ultimate basis for any judgment.
* consequentialism is an ethical theory that judges an action’s moral correctness by its consequenes. Corporate social Responsibility.
* on our definition of consequentialism, only the direct view is a genuinely consequentialist position, and rule consequentialism.
4. Professional Ethics :
* Rules imposed on an employee in a company, or as member of a profession. For instance, journalists, doctors, lawyers. Etc.
* professional ethics encompass the personal and corporate standards of behavior expected by professionals.
5. Applied ethics :
* Applied ethics is the branch of ethics which consists of the analysis od specific, controversial moral issues such ad abortion, animal rights, or euthanasia.
*Applied Ethics includes a philosophical examination of certain public and private life problems. The examination of those issues generally takes place from a moral standpoint. This branch of ethics is generally used by professions like doctors, teachers, etc.
* Applied ethics which deals with the actual application of ethical priniciples to a particular situation. While it is helpful to approach the field of ethics.
6. Virtue Ethics :
* virtue ethics is an approach to ethics that emphasizes an individual’s character as the key element of ethical thinking, rather than rules about the acts themselves.
* virtue ethics not only idea deals with the rightness or wrongness of individual actions, it provides guidenece as to the sort of characteristics and behaviour a good person will seek to achieve.
An abstract way of analyzing ethics is called Meta-Ethics. They do not deal with whether the actions are right or wrong, rather they question what morality is.
The Role of Media in the Business Sector
The media platform is considered to be strong because it is the sole reason through which various different business opportunities are flourished by providing them many wide opportunities in the process. Thus, to conclude in simple words media contributes a lot and it helps to improvise the conditions of many businesses and such media laws are very much crucial and relevant. They are required to be Amended as and when needed in the business sector. Different ways through which media can heavily benefit businesses are –:
- : Advertisements which are preparing in educational advertisements are a logical way of spreading the voices in masses concerning the particular business. As the spheres of media are growing and are branching out, the most important branch of it is social media which has the potential to uplift businesses from a root level. With addition to the standard media sources and social media strategies many customers can be invited and give people what they want and deliver their services.
- Better Responsiveness: The method of input and distribution by way of media is made simpler. If the clients have queries, questions, or any issues with, what the company does, they will let the company know in a prompt way. Social networking in businesses provides people a possible means to convey their thoughts and it allows businesses an incentive to react accordingly. Through such sources companies will see lawless stuff and verify to their clients that their questions and queries can be answered.
- Information: Social networking which is presently emerging to be the most helpful source for new business opportunities is insightful and allows individuals to see an insight to what the target audience is and what other consumers share in terms of goods and services share online. This offers a better insight into the industry and many variables that impact the business.
- Branding and Communication: Communication is the most crucial aspect for any businesses success and if they frequently engage with customers it helps to improve the company’s image. On can connect and handle their clients in a private level through social networks mediums. When the company is engaged in debates, the consumer finds the company as available, free and sensitive. The way that the company is viewed and consumers are gradually linked to the information that one gets, is largely impacted by this type of presentation. Both personal tales and social media can help boost the technology retail.
- Social Media for growth in business sector: One has to make sure that their social media approach and presence is suitable for mobile phones which helps to guarantee a useful user experience to the consumers. Social media advertising sites generally generate popularity at a very fast pace, and the use of those particular websites in advertising and is used to promote what they have offered will also be beneficial for them.
THE REAL SLUMDOG MILLIONAIRE- KALPANA SAROJ
Most of us are well known about Indian famous women personalities like Kalpana Chawla, Kiran Bedi, Indira Gandhi, Saina nehwal and etc.. because we always do listen their successful stories in many meeting as an inspiration. Today I’m going to post about the life story of Kalpana Saroj who is the most struggled women personality and who became as an industrialist with out having any degree and competed equally with the top most business personalities.
Kalpana Saroj is a female entrepreneur and Tedx speaker. She was born in 1961 in Roperkheda village, Maharashtra, India. She is the chair person of “ kamini Tubes” and bagged the honourable “Padma shri “ award in 2013 in the field of Trades and Industries. She is described as the real “ SLUMDOG MILLIONAIRE ” and also sometimes considered as India’s first women entrepreneur.
EARLY ROOTS OF HER LIFE:
Kalpana was born in a Dalit family and her father was a constable. As she was from Dalit community, she is refused by everyone in her school. At that time’s, there was a custom to marry of the girls at an early age. Similarly, Kalpana parents were also fixed her alliance at the age of twelve years. After her marriage she move to the slum area of Mumbai along with her husband’s family. At a very tender age she faced torture in both physically and mentally at her mother-in-law house. She became as a sex toy to her husband and as a maid to her mother-in-law.
When her father visited her after the six months of marriage, he was shocked to see her daughter in horrible situations at her home and he immediately took her back to home. After moving back to her native place she was taunted by every person in her village and later after same days, she mentally got weaken and attempted suicide. After her suicide attempt, she became strong and empowered with regained energy and again moved to Mumbai in the search of her new life.
BUILDING A NEW PATH IN HER LIFE:
As and when she moved to Mumbai she started working as a tailor in a garment factory, with in a few months she mastered at the art of sewing and managed to get get a decent hike but when the things in her life was improving suddenly her life took an U-turn with death of her younger sister who was died because of insufficient amount of money for the treatment, Then she got realized about the importance of money in once life.
After few months of her sister’s death, she decided to begin a new life in the form of business. One day she heard about the Government loan scheme for Dalits in radio and she applied for that scheme. After the Government loan got sanctioned, she turned that amount into a few sewing machines and started working sixteen hours per day on them. As it is a profitable venture she got profits in her first business and she started investing the profits on the furniture business along with the tailoring business.
ENTERING INTO THE REAL TIME BOOM MARKET:
One day, a man approached Kalpana with a proposal of buying land, at a price of 2.5 lakhs which was caught in legal troubles because of having the need of money urgently, he supposed to sell his land to kalpana. Kalpana grabbed that opportunity and gave him a lakh in advance and paid the remaining amount within a few months. For two years, she fought the legal battle and cleared the litigation issue of the land.
The workers of Kamani Tubes( A metal engineering company) got impressed with her logical and entrepreneurial skills in dealing with the land litigation issue they approached her to take charge over the company and settle the debts. With her perseverance and patience she cleared all the debts of company in the short span of time and restructured that company to bring back to profit’s path with her entrepreneurial and managing skills.
Today, She is the chairperson of an Industrial setup and owns net worth of 112 million dollars(Rs. 2000 crore). She also started a film production house which is named as KS FILM PRODUCTION. This is the successful story of Kalpana Saroj who crossed many barriers to reach this position. Her life shows us the reality of facing hardships with out giving up. Soon, Kalpana Saroj biopic is going to be filmed out in future where we can see her struggles clearly in that film.
CONCLUSION:
Guys finally do remember that, “Life is full of events and situations which act as a sources of infinite wisdom. We have to find ways out of the multitude of adversities which will teach us valuable lessons on the importance of will power and hard work”
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