Online Banking

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

Facilities offered by Online Banking

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

Security in Online Banking

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

Here are a few tips to keep your account safe:

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

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

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

What is new National Education Policy ( NEP) 2022?

The National Education Policy ( NEP ) 2022 is a policy document released by the government of India on 29th July 2020.

As education is important sector for the country’s development, Government must be focus on education sector of the country. Due to the importance of education, government make many changes to improve this sector and for providing better education to the people of India.

It generally focuses on the students individual needs. It aims to provide them with access to world class education. It also make sure that the students don’t have must stress regarding to their studies as we all know that day by day students get depressed because of not clearing their exams so government also put their efforts to make the education system more flexible and adaptive.

The new national policy lays down objectives for improving the quality of the education system. The policy aims at creating a ” Global Knowledge Superpower” in the field of education. The policy also makes it mandatory for schools and colleges to make their curriculum flexible and holistic.

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

New Education Policy ( NEP ) important points .

The New Education Policy aims to give quality education to all the people of India whether they belong to the lower caste or upper caste. Government make education affordable to all the students.

Some are the important points of New Education Policy –

1. The policy aims to provide quality and adaptive education to all the children in the age between 3- 18 years .

2. Students can choose different subjects while studying in college and inhance their skills .

3. Students will now be checked on their ability to apply concept to solving real problems and giving better decisions rather than on how well they remember things from books.

4. Now student will focus on studying 3 language in the school premises 1. Regional 2. Hindi 3. English.

5. To make it easier for students to learn regional languages, instruction in the first five grades will be taught in those languages instead of English.

6. Policy focuses on using different technologies to make study more accessible as now everything you will get online without a doubt.

7. Now education is given in same quality whether the students belong to urban area or rural area they will get the same quality of education.

8. The policy propose several measures to improve the quality of teaching, such as mandatory teacher eligibility tests, teacher professional development programmes , and teacher education programmes at the elementary, secondary and tertiary levels.

9. This policy introduce a new 5+3+3+4 education structure, which moves away from the current 10+2 system.

10. It aims to increase the Gross Enrollment Ratio in higher education to 50 percentage by 2035.

11. The Government has announced that all higher education institutes will be governed by a single regulator, except the Medical and Law colleges .

12. The policy proposes to set up a National Higher Education Regulatory Council to oversee the regulation of higher education institutions.

Quality Education- Part of Sustainable Development Goal

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

Quality education

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

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

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

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

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

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

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

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

SECURITY BREACH OF NASA

What is Data Breach? A data breach is a security violation, in which sensitive, protected or confidential data is copied, transmitted, viewed, stolen or used by an individual unauthorized to do so. Other terms are unintentional information disclosure, data leak, information leakage, and data spill.

What is Security Breach? A security breach is any incident that results in unauthorized access to computer data, applications, networks or devices. It results in information being accessed without authorization. Typically, it occurs when an intruder is able to bypass security mechanisms.

SECURITY BREACH OF NATIONAL AERONAUTICS AND SPACE ADMINISTRATION(NASA):
NASA has hacked in 1999 which made 21 days shut down of the computer which had direct connection with the satellites in space. It was hacked by 15 year old Jonathan James. He was the first person to carry out attack against American space agency. He hacked the computers by U.S. Department of Defense division’s computer and installed backdoor on its servers. He intercepted more than 1000 government emails including their username and password. This helped him to steal a piece of NASA software and crack the computers that support the International Space Station which cost space exploration agency $41,000. At first the NASA were not aware of their computers being hacked ,later few days they found their computers have been hacked which lead to the shut down of computers in NASA which leads to loss of million cost and arrested James.

Glimpse of New Education Policy

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

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

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

Major Highlights of New education policy

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

Reinsurance

Reinsurance

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

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

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

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

The ultimate guide of SEO

The ultimate guide to SEO

What is SEO? it is the practice of getting traffic to your website from organic efforts. common work includes SEO high-quality traffic, optimizing the content on targeted keywords, and building backlinks through different techniques.

On a short note, SEO is basically to get organic rankings of a website in SERP. The main advantage of organic rankings is to you get free traffic which remains for a long time duration.

main tasks involve in SEO:

Develop and design a website that can easily be ranked on google.

enhance the traffic and the quality of the website from google.

promote your website by understanding the google algorithm and user visiting process into a website.

How to a Search Engine function?

Crawling:

It means when google bots read all webpages that are linked to a website and understand what kind of content involves in a website and when a user searches the same kind of query then if google finds the content relevant as per the user query then google shows that website in its search result page.

Indexing:

After crawling all the webpages of a website, the google bots make a database and store the relevant webpages there for retrieving the data when needed in a particular format. it will keep the same type of keywords searches query in a particular file so if any users type in a search engine they can easily retrieve it from there.

Processing:

when a user searches a query then google bots process and compare it with indexed pages then if it finds the relevant pages it shows it on the search engine page.

what is onpage and offpage SEO:

Onpage SEO means website inside changes that contain high-quality content, meta title, meta description, and heading, alt tag, keywords selection, and putting keywords in the right place.

off page SEO on the contrary includes backlinks building, increasing link popularity through different techniques like Profile building, social bookmarking, article or blog posting many more.

what are SEO strategies :

white hat SEO
black hat SEO

The white hat strategy includes organic efforts or practices to get traffic and rankings for a website. For instance, a white hat strategy may include tactics like producing user helpful content and having a fast loading speed and putting keywords naturally.

The black hat strategy includes spamming activities for generating traffic that contains plagiarism content and purchasing backlinks and all those tactics which are against google rules & regulations.

Do and don’t of SEO:

DO:

Always opt for white hat techniques which we mentioned above as it will give long-term benefits and traffic to your website.

always try to bring backlink which has high DA and PA but a low spam score in short spam means bringing quality backlink from a relevant website.

use title tag on your website which should be unique and diverse for all webpages and relevant as per your website content.

write engaging content on your website which makes the user experience better.

search for keywords which is relevant as per your niche and keep in mind its searches and volume of it.

make your website user-friendly and mobile friendly as user searches more through phones .

Don’t:

do not use the black hat technique as it can bring rank for your website but for short spam of life so don’t opt it ever for just getting fast rankings.

don’t opt for backlinks from spammy sites and have a low DA & PA than your website.

don’t opt for the same title for every page as it is not a good idea.

do not use keyword stuffing as google can easily pick it up.

do not use copied content on your website.

Some important factors of on-page SEO:

1: Title tag and meta tag:

the title tag should be unique for all web pages.

the character length of the title tag should be between 50-65.

meta description character should be within the limit of 160.

it should contain keywords naturally.

2: Image optimization:

the images should use an alt tag bcoz the google bot doesn’t read the images as it understands the alt tag.

don’t use large-sized pics as it will increase the loading speed of the website.

3: Internal linkings:

create internal links by anchor text.

links all important pages to the home page.

include 3 -5 internal links.

Rural Development for Better Nation

Rural development means improving the quality of life of people living in rural areas. Its main concern is to secure natural resources like agriculture and forest, from exploitation. But the change in the global production network and urbanization have changed the rural areas. A lot of things like manufacturers, tourism, recreation, etc., have affected agriculture as the domain of economic drives. Education, entrepreneurship, physical infrastructure, and social infrastructure all play an important role in developing rural regions. Rural development remains the core of the overall development of the country. More than two-thirds of the country’s people are dependent on agriculture for their livelihood, and one-third of rural India is still below the poverty line.

Rural development focus on Education, Public health and Sanitation, Women empowerment, Infrastructure development (electricity, irrigation, etc.), Facilities for agriculture extension and research, Availability of credit, Employment opportunities, sufficient and healthy food, etc.

Importance of Rural Development

Rural development is important for the population to live in rural areas and overall economic expansion of the nation. It is very important to be concerned about rural development because it is very important for the evaluation of our nation. It will help to increase productivity, stability in socio and economic development, and social-economic equality.

The main objective of Rural Development

The main objective of the government for rural development is to improve the productivity and wages of rural people, increase the standard of living of the underprivilege population, increase employment opportunities, and provide the basic needs like education, healthcare, rural roads, clean drinking water, sanitation, etc.

Ministry of Rural Development

The Ministry of Rural Development has two departments, the Department of Rural Development and the Department of Land Resources. The Department of Rural Development came into existence as a part of the Ministry of Food and Agriculture in October 1974. On 23 January 1982, this ministry was renamed the Ministry of Rural Development. as the Ministry of Agriculture in September 1985. On July 5, 1991, this department was again given the status of Ministry of Rural Development. After that, the name of the department was changed many times. In the year 1999. The department gets it to rename as Ministry of Rural Development.

The ministry aims to bring change in rural development with various programs. The main objective of this ministry is to remove rural poverty and provide a better quality of life to the rural population, especially the people living below the poverty line. To further enhance the efforts being made in these areas, the government launched the Pradhan Mantri Gramin Yojana (PMGY), and the Ministry of Rural Development was entrusted with the responsibility of implementing the following parts of the Pradhan Mantri Yojana (PMGY), namely – drinking water supply, Housing construction and construction of rural roads. Many other policies were started by the government for the welfare of the rural population.

Keeping in view the needs and aspirations of the local people, the cooperation of Panchayati Raj Institutions was taken in the implementation of this program. These institutions are a form of decentralized development of planning and its implementation. The Ministry is urging the State Governments to give requisite administrative and financial powers to the Panchayati Raj Institutions at the earliest as stipulated in the 73rd Constitutional Amendment of India. The empowerment of rural women is important for the development of rural India. Therefore, provision has also been made for the contribution of women in poverty alleviation programs so that adequate funds can be arranged for this section of society. The Constitution (73rd) Amendment Act, 1992 provides for reservation of selected posts for women.

The following major programs are being operated in rural areas by the Ministry of Rural Development,

Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) provides employment,
National Rural Livelihoods Mission (NRLM) for self-employment and skill development,
Pradhan Mantri Awas Yojana Gramin (PMAYG) to provide housing to BPL families,
Pradhan Mantri Gram Sadak Yojana (PMGSY) for the construction of quality roads,
National Social Assistance Program (NSAP) for Social Pension,
Integrated Watershed Management Program (IWMP) to improve the productivity of the land.

The annual budget of Rs. 1 35944.29 crores have been allocated to the department of Rural Development for the Financial Year 2022-23.

Rural Development.

The majority of population in India (about 73 per cent) is living in rural areas. Living conditions of the rural people are very poor. Under such a situation, development of rural areas must receive adequate attention in various schemes designed for the development of Indian economy.

The rural part of the country is still underdeveloped, and the government is doing what all they can to make sure that the rural part also has all the resources like the urban of the country has. But if survey gets conducted at various parts of the country, one will find out that still there are a lot of city and villages in the country whose development is still under process. Various kinds of roads and bridges are being made in various rural parts of the country so that they get connected to an urban part of the country, and thus people from rural part can travel to urban part easily to do various kinds of jobs.

Many industrialists have stepped out to develop rural part of the country, and that is why a lot of malls, call centers, and other industries are getting set up in various rural parts of the country. These industries will not only make job opportunities for the rural people, but it will also enhance their knowledge about certain things.

The following measures can he taken to attain rural development in the country.

Improvement of sanitation and for the improvement of sanitation, arrangements for supply of pure drinking water should be made. Tube-wells and ponds should be dug.
Education of the masses, Mass education should be introduced to remove the ignorance of the villagers. Education should be made free and compulsory.
Establishment of schools for poor people. Night schools should be set up for poor to teach elementary Hygiene and scientific methods of cultivation.
Establishment of cheap medical aid for people in rural areas. Hospitals should be established to give cheap medical aid to the people living in rural areas.
Construction of good roads and other means of communication is must.
Co-operative Credit Societies should be set up to provide loans to the peasants.

The Ministry of Rural Development is engaged in implementing a number of schemes which aim at enabling rural people to improve their living standards. Education, removal of poverty and speedy socio-economic progress is the goal with which the development programmes are being implemented through a multi pronged strategy, reaching out to the most disadvantaged sectors of society Huge priority is being accorded to provide clean drinking water, rural housing and road. The social security programmes are being implemented for providing assistance to the destitute and downtrodden. Assistance and encouragement to voluntary agencies and training of functionaries forms part of the emphasis on accelerated rural development. The ministry is constantly endeavouring to empower the Panchayt Raj institutions in terms of functions, power and finance. In the new initiative the Gram sabha has become the most significant institutions. Non-Government Organisations self help group and Panchayati Raj institutions have been accorded adequate role to make participating democracy meaningful and effective. Development of waste lands desert and drought prone areas has also been undertaken along with land reforms.

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Salient Features of NEP, 2020

The National Education Policy 2020 was unveiled on July 29, 2020. The National Education Policy 2020 makes a number of changes to both higher education and secondary education, including technical education. The National Education Policy 2020 lists a number of action items/activities that should be implemented in both higher education and schooling.

The following are specifics of NEP 2020’s key features:

• Ensuring universal access at all educational levels, from preschool to grade 12;

• Ensuring that all children between the ages of 0 and 3 receive high-quality early care and education;

• New Pedagogical and Curricular Framework (5+3+3+4);

• There are no clear distinctions between the humanities and sciences, academic and extracurricular pursuits, or career paths;

• Launching a national initiative on basic literacy and numeracy;

• Promoting multilingualism and Indian languages as a priority; The home language, mother tongue, local language, or regional language will be used as the primary medium of teaching until at least Grade 5, but ideally until Grade 8 and beyond.

• Assessment reforms, including up to two Board Exams per school year, one for the main exam and one for improvement, if requested;

• The establishment of the PARAKH (Performance Assessment, Review, and Analysis of Knowledge for Holistic Development) National Assessment Center;

• Educational equity and inclusion, with a focus on Socially and Economically Disadvantaged Groups (SEDGs);

• Special Education Zones and a specific gender inclusion fund for underprivileged areas and groups;

• Effective and open procedures for hiring teachers and performance evaluations based on merit;

• Ensuring that all resources are accessible via school complexes and clusters;

State School Standards Authority (SSSA) establishment (xiii);

(xiv) Promotion of vocational education throughout the K–12 and tertiary systems of instruction;

• raising GER to 50% in higher education;

(xvi) Multidisciplinary, all-encompassing education with numerous points of access and departure;

• NTA will conduct a Common Entrance Exam for HEI Admission;

• The founding of an academic bank of credit

Multidisciplinary Education and Research Universities (MERUs) establishment (xix);

The National Research Foundation (NRF) was established.

“Light yet Tight” regulation (xxi);

• The Higher Education Commission of India (HECI), a single overarching umbrella organisation, with independent bodies for standard setting (the General Education Council), funding (the Higher Education Grants Council), accreditation (the National Accreditation Council [NAC]), and regulation (the National Higher Education Regulatory Council [NHERC]), is responsible for promoting the higher education sector, including teacher education but excluding medical and legal education;

• Growing open and distant education to boost the gross enrollment ratio (GER).

• Globalization in Education

• The higher education system will include professional education as a core component. The goal of institutions in these and other sectors, including independent technical universities, law schools, medical schools, and agricultural colleges, is to become multidisciplinary institutions.

• 4-year integrated stage- and subject-specific teacher education degree in education

• Creating a National Mentoring Mission.

the establishment of the National Educational Technology Forum (NETF), an independent organisation that would serve as a forum for the unrestricted discussion of ways to use technology to improve instruction, evaluation, planning, and administration.

The appropriate use of technology in all educational levels.

Objectives Reaching 100% adult and juvenile literacy.

• The commercialization of higher education will be fought and stopped by a number of methods with checks and balances.

• As a “not for profit” company, all educational institutions will be held to the same standards of audit and disclosure.

• The Center and the States will collaborate to boost public spending on education so that it reaches 6% of GDP as soon as possible.

• The Central Advisory Board of Education should be strengthened to maintain coordination and to put more of an emphasis on quality education overall.

By 2030, the NEP, 2020 aims to raise the GER in preschool through secondary education to 100%, while it will rise from 26.3% in 2018 to 50% in higher education, including vocational education.

The Pandit Madan Mohan Malaviya National Mission on Teachers and Teaching (PMMMNMTT), a central sector scheme, was established in 2014 to address all concerns pertaining to teacher preparation, capacity building, and professional development of teachers. The country’s 95 centres, through which faculties and teachers were taught, were founded under the components. The Scheme has been evaluated by the Standing Finance Committee, which has recommended that it be continued through 2025–2026 with a total outlay of Rs. 493.68 crore. The establishment of PMMMNMTT Scheme Centers is based on the proposals that are received from educational institutions, are reviewed by the Screening Committee, and are approved by the Project Approval Board.

In a written response submitted to the Lok Sabha, Dr. Subhas Sarkar, Minister of State for Education, provided the information.