Concept of Agricultural Marketing

The term market is derived from the Latin term’ marcatus ‘ which means trade or place where business is conducted.

In real terms ; market is defined as place where the sellers of particular good or service can meet with buyer of that good and services where there is potential for transaction to occur.

Agricultural marketing is study of all activities, agencies and policies that are involved in procurement of farm inputs by farmers and movement of agricultural products from farm to ultimate consumers. So it can be said to serve as link between farm 🚜🐄🌾 and non farm sector.

Thus it is a collaborative effort including marketing functions from post – harvest handling to pre- sowing; assembling, handling, storage, transport, processing, retailing, wholesaling, export of agricultural commodities and purchasing inputs for next agricultural season. It also includes marketing services as market information, weighing, standardization, financing, price risk mechanism and institutional development.

Dimension of agricultural marketing system includes market structure, it’s conduct and performance. The purpose of marketing is to find the right place, right time, right product and right time to make it selling superfluous.

Importance of agricultural marketing :

Agricultural market plays a important role in various ways to increase farm income, provide employment opportunities, optimum utilisation of resources, creation of utility and growth of agro-based industries.

The agricultural product differ from industrial product in many ways:

1.Nature of product: Most agricultural products are perishable in nature and hence cannot be stored for longer duration while industrial products can be stored for longer duration .

2.Weather and Season dependent: Most agricultural products are season bound and produced in particular season whereas industrial products are available throughout the year.

3.Bulkiness in nature : Agricultural products are bulky in nature and are difficult to handle, transport, storage etc. which adds to transportation cost.

4. Supply lag: As agricultural commodities are season bound so there is difference in supply and demand of goods.

5. Requirements of land area: For production of agricultural goods we needs more land as compared to industrial products like cultivation practices etc.

So from this role of agricultural markets can be determined as they hold separate importance in the economy .

When bots start creating content, how will the role of human writers evolve/become obsolete?

As the technology is upgrading and artificial intelligence is making things much easier, there’s a chance of bots creating content in the future too. Artificial intelligence nowadays only assists and makes small changes but it may be possible that in future it creates the full content and doesn’t require human intervention. So, there are two aspects of this predicted as the AI is evolving. First, those kinds of writing include fact and data-based writing and secondly writing with a creative angle.

IMPACT ON FACT AND DATA-BASED WRITING BY BOTS

Without any doubt, fact and data-based writing are being taken by the bots in upcoming years or at least maximum work is done by the artificial intelligence like the sports update based article or the smartphone comparing article. These only include a basic change in data and the bots can easily make it ready to read. Types of niches that can be affected in near future are

Sports
Email sequence
Annual reports
Product Comparison
Review

As all of these are written with data-based articles and can be easily fed and written by the bots this doesn’t require an emotional quotient to write. Product comparison of some gadgets is only required to edit its specifications. While there are also contents that require human intervention and are unable by bots to write content with that emotion.

CREATIVE WRITING BY BOTS

Creative writing is the area that requires deep thinking and emotion which can be delivered while writing and it’s very hard for bots to deliver such emotionally engaging content. This area always needs human intervention to increase readability. If the content is dramatic and needs to be unique, it needs imagination and bots are not built according to it, they are just a set of instructions and can be performed efficiently.

Sericulture:Silk diversity

Sericulture is the branch which involves rearing of silkworm which produce silk. This involves three process i.e. cultivation of mulberry( Moriculture) or food plant for insect, rearing of silkworm and reeling and spinning of silk.

However origin for silk production roots from China. It is also said that Tipu Sultan was the first South Indian ruler to introduce this in India.

The Central silk board was started in 1948 and it’s headquarter is situated in Bengaluru (Karnataka). It is mainly involved in research and development of silk sector.

Silkworm undergoes complete metamorphosis and constitute of four stages in life cycle:Egg, larvae, pupa and adult.

Pupa is the most important stage as through this stage only cocoon is obtained which is reeled to produce silk. Silk is the salivary secretion secreted by pair of silk gland located in head region.

Types of silkworm: There are four types of natural silk commercially produced .

1.Mulberry silk which constitutes 95 % of total production. These silkworm feed on mulberry leaves. This is mainly found in Southern states like Karnataka, Andhra Pradesh, Tamil Nadu.

2.Non- mulberry silk includes tasar silk, eri silk and muga silk.

Eri silkworm feeds on castor leaves and is also called Ahimsa silk as This does not involves killing of moth to obtain silk. This is mainly reared in Meghalaya, Assam and Northeast state.

Tasar silkworm feeds on ber, arjun plant .It is mainly found in Jharkhand,Bihar,West Bengal etc.

Muga silkworm feeds on som and sualu leaves. This silkworm is reared in Assam and also called Assam silk. It is known for it’s glossy, fine texture and durability.

Sericulture

4 WAYS TO FIX WHEN MICROSOFT EXCEL CAN NOT OPEN OR SAVE ANY DOCUMENTS

Microsoft Excel is being used worldwide as the most trusted and capable software to maintain data and input of the organisation. It is the best way to store data in one place and easy to access it back but sometimes, some excel file we receive doesn’t open and comes with a flash message.

“MS EXCEL CAN’T OPEN OR SAVE ANY MORE DOC CAUSE THERE IS ENOUGH MEMORY SPACE NOT AVAILABLE”

So, how to fix this issue??

Apparently, this issue does not mean that the file is corrupted or your ms-excel is not working properly. This is just a secure way to proceed and prevent unwanted malware that comes along with spreadsheets. but you can go and change it in settings to run the excel file.

Many excel files until 2007 are saved in a different format that is XLS and after 2007 files use extensions in XLSX format so, modifying the format can actually be made it possible for files to open easily.

FOUR WAYS TO OPEN MS EXCEL FILE.

1. TEMPORARY SOLUTION

Sometimes files are not directly allowed to open and are in the restricted mode so just allowing them by unblocking can actually work. This is the most basic solution which is done with two clicks only and the most common solution to open an excel file.

STEPS TO FOLLOW

RIGHT-CLICK ON THE MS EXCEL FILE
GO TO PROPERTIES
CLICK ON UNBLOCK

After clicking on unblocking the file that doesn’t open up earlier is now easily able to open if it is just blocked and not having any further issues.

2. PERMANENT SOLUTION

This solution is required to go to the main settings of the excel file to allow the settings that are restricting it to open and this actually is done by deleting the existing hidden file that is actually blocking the file to open.

STEPS TO FOLLOW

CLICK ON MY COMPUTER
OPEN C-DRIVE
GO TO USER
OPEN APP DATA
OPEN LOCAL
CLICK ON TEMPT
SELECT ALL THE FILES AND DELETE IT

After deleting all the files in there those files which are restricting the excel to open are now deleted and now your file will be open easily.

3. OPEN FILE IN VERSION MS EXCEL 2013 AND ABOVE

There is also a possibility that the settings of the TRUST CENTRE will be changed and allow the location of the file directly through the trust centre. This indicates the file is safe and easy to access after that.

STEPS TO FOLLOW

OPEN MS EXCEL
OPEN FILE
GO TO OPTIONS
CLICK ON TRUST CENTRE
CLICK ON TRUST CENTRE SETTINGS

AND choose the file that is having trouble while opening.

Also, don’t forget to click on the subfolder also

4. UNCHECKING BARS IN TRUST CENTRE

Sometimes just some unchecked bars can do a lot of things and lead to opening some rusted files that you think might be corrupted.

Steps to follow

OPEN MS EXCEL
OPEN FILES
CLICK ON OPTIONS
CLICK ON TRUST CENTRE
CLICK ON TRUST CENTRE SETTINGS
OPEN PROTECTED VIEW
UNCHECKED ALL BARS ONE BY ONE

There are a total of three bars which can be checked one by one and then press ok. This actually disables the protected view for the files from the internet, unsafe location and outlook attachment. Boom, your spreadsheet is ready to open.

Anthropology

Anthropology is the systematic study of humanity, with the goal of understanding our evolutionary origins, our distinctiveness as a species, and the great diversity in our forms of social existence across the world and through time. The focus of Anthropology is on understanding both our shared humanity and diversity, and engaging with diverse ways of being in the world.

Throughout its existence as an academic discipline, anthropology has been located at the intersection of natural science and humanities. The biological evolution of Homo sapiens and the evolution of the capacity for culture that distinguishes humans from all other species are indistinguishable from one another. While the evolution of the human species is a biological development like the processes that gave rise to the other species, the historical appearance of the capacity for culture initiates a qualitative departure from other forms of adaptation, based on an extraordinarily variable creativity not directly linked to survival and ecological adaptation. The historical patterns and processes associated with culture as a medium for growth and change, and the diversification and convergence of cultures through history, are thus major foci of anthropological research

In the middle of the 20th century, the distinct fields of research that separated anthropologists into specialties were physical anthropology, emphasizing the biological process and endowment that distinguishes Homo sapiens from other species, archaeology, based on the physical remnants of past cultures and former conditions of contemporary cultures, usually found buried in the earth, linguistic anthropology, emphasizing the unique human capacity to communicate through articulate speech and the diverse languages of humankind, and social and/or cultural anthropology, emphasizing the cultural systems that distinguish human societies from one another and the patterns of social organization associated with these systems.

If there were a science of human beings it would be anthropology that aims at understanding the totality of experience through structural context

-William Dilthey

Horticulture

The science and art of growing, producing, marketing, and utilizing high-value, intensively grown food, and ornamental plants in a sustainable manner is known as Horticulture.Annual and perennial plants, fruits and vegetables, decorative indoor plants, and landscape plants are all examples of horticulture crops.

Horticulture farming also aims to enhance the quality of life, as well as the beauty, sustainability, and recovery of our ecosystem and the human condition.
Horticulture is divided into the cultivation of plants for food (pomology and olericulture) and plants for ornament (floriculture and landscape horticulture). Pomology deals with fruit and nut crops. Olericulture deals with herbaceous plants for the kitchen, including, for example, carrots (edible root), asparagus (edible stem), lettuce (edible leaf), cauliflower (edible flower buds), tomatoes (edible fruit), and peas (edible seed). Floriculture deals with the production of flowers and ornamental plants; generally, cut flowers, pot plants, and greenery. Landscape horticulture is a broad category that includes plants for the landscape, including lawn turf but particularly nursery crops such as shrubs, trees, and vines.

Temperate zones for horticulture cannot be defined exactly by lines of latitude or longitude but are usually regarded as including those areas where frost in winter occurs, even though rarely. Thus, most parts of Europe, North America, and northern Asia are included, though some parts of the United States, such as southern Florida, are considered subtropical. A few parts of the north coast of the Mediterranean and the Mediterranean islands are also subtropical. In the Southern Hemisphere, practically all of New Zealand, a few parts of Australia, and the southern part of South America have temperate climates. For horticultural purposes altitude is also a factor; the lower slopes of great mountain ranges, such as the Himalayas and the Andes, are included. Thus, the temperate zones are very wide and the range of plants that can be grown in them is enormous, probably greater than in either the subtropical or tropical zones. In the temperate zones are the great coniferous and deciduous forests: pine, spruce, fir, most of the cypresses, the deciduous oaks (but excluding many of the evergreen ones), ash, birch, and linden.

There is no sharp line of demarcation between the tropics and the subtropics. Just as many tropical plants can be cultivated in the subtropics, so also many subtropical and even temperate plants can be grown satisfactorily in the tropics. Elevation is a determining factor. For example, the scarlet runner bean, a common plant in temperate regions, grows, flowers, and develops pods normally on the high slopes of Mount Meru in Africa near the Equator, but it will not set pods in Hong Kong, a subtropical situation a little south of the Tropic of Cancer but at a low elevation.In addition to elevation, another determinant is the annual distribution of rainfall. Plants that grow and flower in the monsoon areas, as in India, will not succeed where the climate is uniformly wet, as in Bougainville in the Solomon Islands. Another factor is the length of day, the number of hours the Sun is above the horizon; some plants flower only if the day is long, but others make their growth during the long days and flower when the day is short. Certain strains of the cosmos plant are so sensitive to light that where the day is always about 12 hours, as near the Equator, they flower when only a few inches high; if grown near the Tropic of Cancer or the Tropic of Capricorn, they attain a height of several feet, if the seeds are sown in the spring, before flowering in the short days of autumn and winter. Poinsettia is a short-day plant that may be seen in flower in Singapore on any day of the year, while in Trinidad it is a blaze of glory only in late December.

The glory of gardening: hands in the dirt, head in the sun, heart with nature.

To nurture a garden is to feed not just on the body, but the soul.

History of India & Indian National Movement.

Early times the Indian subcontinent appears to have provided an attractive habitat for human occupation. Toward the south it is effectively sheltered by wide expanses of ocean, which tended to isolate it culturally in ancient times, while to the north it is protected by the massive ranges of the Himalayas, which also sheltered it from the Arctic winds and the air currents of Central Asia. Only in the northwest and northeast is there easier access by land, and it was through those two sectors that most of the early contacts with the outside world took place.

Within the framework of hills and mountains represented by the Indo-Iranian borderlands on the west, the Indo-Myanmar borderlands in the east, and the Himalayas to the north, the subcontinent may in broadest terms be divided into two major divisions: in the north, the basins of the Indus and Ganges (Ganga) rivers (the Indo-Gangetic Plain) and, to the south, the block of Archean rocks that forms the Deccan plateau region. The expansive alluvial plain of the river basins provided the environment and focus for the rise of two great phases of city life: the civilization of the Indus valley, known as the Indus civilization, during the 3rd millennium BCE; and, during the 1st millennium BCE, that of the Ganges. To the south of this zone, and separating it from the peninsula proper, is a belt of hills and forests, running generally from west to east and to this day largely inhabited by tribal people. This belt has played mainly a negative role throughout Indian history in that it remained relatively thinly populated and did not form the focal point of any of the principal regional cultural developments of South Asia. However, it is traversed by various routes linking the more-attractive areas north and south of it. The Narmada (Narbada) River flows through this belt toward the west, mostly along the Vindhya Range, which has long been regarded as the symbolic boundary between northern and southern India.

India’s movement for Independence occurred in stages elicit by the inflexibility of the Britishers and in various instances, their violent responses to non-violent protests. It was understood that the British were controlling the resources of India and the lives of its people, and as far as this control was ended India could not be for Indians.

On 28 December 1885 Indian National Congress (INC) was founded on the premises of Gokuldas Tejpal Sanskrit School at Bombay. It was presided over by W.C Banerjee and attended by 72 delegates. A.O Hume played an instrumental role in the foundation of INC with an aim to provide Safety Valve to the British Government.
A.O Hume served as the first General Secretary of INC.
The real Aim of Congress is to train the Indian youth in political agitation and to organise or to create public opinion in the country. For this, they use the method of an annual session where they discuss the problem and passed the resolution.
The first or early phase of Indian Nationalism is also termed as Moderate Phase (1885-1905). Moderate leaders were W.C Banerjee, Gopal Krishna Gokhale, R.C Dutt, Ferozeshah Mehta, George Yule, etc.
Moderates have full faith in British Government and adopted the PPP path i.e. Protest, Prayer, and Petition.
Due to disillusionment from Moderates’ methods of work, extremism began to develop within the congress after 1892. The Extremist leaders were Lala Lajpat Rai, Bal Gangadhar Tilak, Bipin Chandra Pal, and Aurobindo Ghosh. Instead of the PPP path, they emphasise on self-reliance, constructive work, and swadeshi.
With the announcement of the Partition of Bengal (1905) by Lord Curzon for administrative convenience, Swadeshi and Boycott resolution was passed in 1905.

ONE INDIVIDUAL MAY DIE; BUT THAT IDEA WILL, AFTER HIS DEATH, INCARNATE ITSELF IN A THOUSAND LIVES.
-Netaji Subhash Chandra Bose

Widening Gender Gap

Gender gap reflects the differences between women and men as per social, political, economical , cultural etc parameters in the society.

Recently it has been in news as the Global Gender report 2022 was released. According to report, India ranked 135 among 146 countries in global gender gap index and is worst performer in health and survival sub index where it ranked 146. While earlier in 2021 India ranked 140 among 156 countries. Global Gender gap report was first published by the World Economic Forum in 2006. It is an index to measure the gender equality. The 4 key dimensions or sub indices are as follows:

Economic participation and opportunity

Educational attainment

Health and survival

Political empowerment

India ranks 146 in health and survival, 143 in economic participation and opportunity, 107 in educational attainment and 48th in political empowerment.

According to the report :

India’s score of 0.629 was it’s seventh highest score in last 16 years.

India has recovered since 2021 in economic participation and opportunity

The labour force participation has decreased for both men (by -9.5 percentage points) and women (-3 percentage points).

The gender parity score for estimated earned income improved but the decline was more for men.

India has recorded a declining score on political empowerment due to the diminishing share of years women have served as head of state for the past 50 years.

Women organizations and their role in India

Women’s Organisations emerged in India as a result of the spread of education and the establishment of the notion of the new woman. There was an improved level of communication among women which made them aware of the different problems that they faced and their rights and accountabilities in society. This awareness led to the upsurge of women’s organizations that fought for and signified women’s causes

An exclusive feature of the Indian women’s crusade is the fact that early efforts at women’s liberation were set in motion by men. Social reformers such as Raja Ram Mohan Roy, Maharishi Karve, and Swami Dayanand Saraswati challenged the conventional subservience of women, stimulated widow remarriage, and supported female education and impartiality in matters of religion, among other issues. Mahila mandals organized by Hindu reformist organizations such as the Arya Samaj and Brahmo Samaj encouraged women to go out of the boundaries of their homes and interact with other members of society. Pandita Ramabai, who was considered as one of the innovators of the feminist movement, with the help of Justice Ranade established the Arya Mahila Samaj in 1882. She envisioned creating a support network for newly educated women through weekly lectures and lessons at homes, where women could learn and gain confidence through interactions.

Women’s auxiliaries of general reform associations also served as a ground for women to deliberate social issues, express opinions, and share experiences. The Bharata Mahila Parishad of the National Social Conference was the most protruding among such opportunities. Though the National Social Conference was formed at the third meeting of the Indian National Congress in 1887, the Mahila Parishad was launched only in 1905.

These initiatives greatly influenced the social status of women. Early attempts at encouraging women to converse outside their families and local committees thus, stemmed from the broader social reform movement and efforts to upgrade the conditions of women.

The pre‐Independence period saw women’s issues related to the nationalist agenda at various junctures. In this period, a major enhancement of women was in terms of political participation of women, calling for a redefinition of conventional gender roles. Women began openly demonstrating their opposition to foreign control by supporting civil disobedience actions and other forms of protest against the British. Opportunities to organize and participate in agitations gave women much‐needed confidence and a chance to develop their leadership skills. Cutting across communal and religious barriers, women associated themselves with larger problems of society and opposed sectarian issues such as communal electorates. Political awareness among women grew, owing to a general understanding that women’s issues could not be separated from the political environment of the country. During this period, the initial women’s organizations formed within the historical background of the social reform movement and the nationalist movement were as follows.

•The Women’s India Association (WIA).
National Council of Women in India (NCWI).
•The All India Women’s Conference (AIWC) in 1917, 1925, and 1927 correspondingly.
Each of these organizations emphasized the importance of education in women’s progress.
•The WIA, created by Margaret Cousins in Madras, worked widely for the social and educational emancipation of women. •Associated with the Theosophical Society, it encouraged non‐sectarian religious activity and did creditable work in promoting literacy, setting up shelters for widows, and providing relief for disaster victims.
•Women in Mumbai, Chennai, and Kolkata through networks developed during World War I work, allied their associations together, and created the NCWI in 1925. A national branch of the International Council of Women, its most prominent member was Mehribai Tata, who aggressively campaigned against inert charity and advised men to support female education.
•The most important of the women’s organizations of the time was the All India Women’s Conference. Though its initial efforts were directed towards improving female education, its scope later extended to include a host of women’s issues such as women’s franchise, inheritance rights.

The Constitution of India enlisted in 1950 which permitted equal rights to men and women. Rights such as the right to vote, right to education, right to enter into public service, and political offices brought in satisfaction among women’s groups. In this period, there was limited activity in the area of women’s rights. Many women’s organizations such as the National Federation of Indian Women (1954) the Samajwadi Mahila Sabha (1559) were formed to work for supporting the cause of Indian women. Since the country was facing a social, political crisis after British rule, many demands of the women activists were not supported by the Government. But during this period from 1945, the Indian women got an opportunity to participate in confrontational politics.

In post-independent India, the women’s crusade was divided, as the common opponent, foreign rule, was no longer there. Some of the women leaders formally joined the Indian National Congress and took a powerful position as Ministers, Governors, and Ambassadors. Free India’s Constitution gave universal adult franchise and by the mid-fifties, India had fairly liberal laws concerning women. Most of the demands of the women’s movement had been met and there seemed few issues left to organize around. Women’s organizations now observed that there was an issue of implementation and consequently there was a pause in the women’s movement.

Some women organizations such as the Banga Mahila Samaj, and the Ladies Theosophical Society functioned at local levels to promote contemporary ideas for women. These organizations deal with issues like women’s education, abolition of social evils like purdah and Child marriage, Hindu law reform, moral and material progress of women, equality of rights and opportunities.

It can be believed that the Indian women’s movement worked for two goals.

•Uplift of women.
•Equal rights for both men and women.

Currently, there are many women organizations in India:

•All India Federation of Women Lawyers
•All India Women’s Conference
•Appan Samachar
•Association of Theologically Trained •Women of India
•Bharatiya Grameen Mahila Sangh
•Bharatiya Mahila Bank
•Confederation of Women Entrepreneurs
•Durga Vahini
•Friends of Women’s World Banking
•Krantikari Adivasi Mahila Sangathan

The major objective of this organization is:

•Strengthening and building new initiatives, networks, forums, etc., for protecting women’s rights
•Monitoring the Government of India’s commitments, implementing the Platform for Action with special focus on the eight-point agenda discussed at the Conference of Commitment, CEDAW, the Human Rights, and other United Nations Convention.
•Advocacy, lobbying, and campaigning on women-related issues.
•Information Dissemination and Documentation.
•Solidarity and linkages with other regional and global forums.

Another women organization in India is Swadhina (Self-esteemed Women) which was formed in 1986. It is principally a civil society organization focused on the Empowerment of women and Child Development based on Sustainable Development and Right Lively hood. At Swadhina, it is believed that positive social change has a direct effect on the lives of women and that change is possible only through equal and spontaneous participation of Women. Organization members are active in five states across the country in remote tribal districts of Singbhums in Jharkhand, Purulia, and West Midnapur in West Bengal, Kanya Kumari in Tamil Nadu, Mayurbhanj in Orissa, and East Champaran in Bihar.

Due to the women’s movement, several legislations were passed like the Equal Remuneration Act, Minimum Wage Act, Maternity Benefit Act, etc. to ensure equal status to women in society & more importantly at work. However, illiteracy amongst the major women workforce (87% of women are employed in the unorganized sector), fear of losing employment & lack of awareness of the laws enacted to protect them, make it difficult for women to benefit from them.

A girl should be two things:
who and what she wants.

Education system in India

Since ancient times, education has been a dominant force in society. The only change that has occurred is the substitution of teachers and schools with gurus and gurukuls. However, one crevice that is often overlooked is the true meaning of education in Indian society. We can see what perfect education is by breaking down this large issue into a few parts. The process of obtaining or imparting fundamental information, particularly at the school or university level, is characterized as education.

Education is a crucial aspect that contributes to the country’s improved literacy rate. The Indian government has primarily concentrated on providing education to all citizens since independence, and it has developed new initiatives to improve Indian education for many years.

The Indian education system is divided into four stages: lower primary, which is for children aged six to ten years, and upper primary, which is for children aged eleven to twelve years. High school, in which students begin school at the age of 13 and graduate at the age of 16, with the completion of upper secondary school occurring between the ages of 17 and 18. The Indian education system is regarded as the world’s oldest education system. It is not the greatest, despite being the oldest. The Indian education system is unproductive and inconvenient due to a lack of changes and improvements. Education, rather than being a formidable tool for shaping students into better beings with practical knowledge, has been reduced to an illusion of practicality due to several flaws. This eventually caused the system to fail, since it was no longer advantageous to pupils, eventually resulting to EXAM STRESS. Let’s see how things turn out.

The Indian education system has always been structured for a child to learn from a book and write tests in order to acquire excellent scores. While it aids in the development of children’s reading and writing skills, it does not aid in the acquisition of life skills. We frequently hear on the news that India’s unemployment rate is rising, and that many graduates with advanced degrees are unable to find work. So, what’s the deal with that? Our educational system is the answer. The Indian educational system was created to educate students how to achieve excellent grades and score high scores, but it was never intended to teach them how to live in this world. I completely agree that the education and information we gain from reading diverse books is unrivalled. However, while the Indian education system gives theoretical information to students, it is equally critical to educate them how to use that knowledge effectively, which many students fail to do, and this is one of the reasons why India’s unemployment rate is increasing at an exponential rate. Furthermore, the educational system is only a mirror of ideas, making it incredibly difficult for pupils to understand.

Failure to consider the balance in education, as well as how to deal with pressure, frequently leads to stress, with pupils becoming depressed as a result. It is the instructors’ obligation to allow pupils to think in new ways. Teachers should also instill in students the importance of classroom learning and teach them how to put it into practice. Furthermore, teachers must be open to the concept of learning new things from their students. If significant efforts are taken, our educational system may be improved. Instead than encouraging kids to prepare for exams by just mugging up textbooks for the goal of getting a good grade, more practical information should be imparted to them. The educational authority should provide pupils with opportunity to put what they’ve learned in the textbooks into practice. Our educational system should also provide opportunities for kids to gain financial skills that will assist them in surviving in this world. Education authorities should educate pupils how to budget money, save money, and invest it in various assets such as stocks, gold, silver, and other precious metals. This will aid pupils in their future preparation. According to the United Nations Organization (UNO), India is ranked 145th out of 191 countries in terms of educational provision. We aren’t even among the top 50 countries on the planet. It is not about comparison, it is about the quality education we are reciprocating to the youth. This demonstrates how much we need to improve in order to stay current. If we want our country to develop and progress, we must first improve the quality of education we offer to our youngsters. As the phrase goes, “Today’s children are tomorrow’s future,” thus we should begin by modernizing India’s educational system at the basic level. Rather of enabling students to study solely theoretical information, educational authorities should use practical approaches that allow students to apply what they have learned in the classroom. We must do it for the sake of a brighter future if we can bring a wave of revolution by moderating our educational system.

Personal Habits: Over-Apologizing

How would it feel when a person you know apologizes for something which isn’t their fault? If someone dashed into him, he would apologize saying, “ I am sorry, I didn’t see you coming my way.” There is a limit for everything and after a while it feels weird to hear them say sorry for so many things.

There are so many factors that lead you to apologize for things. It could be how you have been raised or it’s something you have seen your family do, maybe it’s how you see the world. Apologizing is good for finding peace in conflicts or relationships. You say sorry for the mistake you have made so you don’t repeat it again. It reassures a person that you genuinely didn’t expect the outcome that has come and you want to amend your mistake.

You should not apologize for something you have not done or you have done for something that needed help. When you dash into someone, you apologize because you should have seen him coming, but you shouldn’t apologize for someone who dashed into you when you have been standing quietly.

A lot of people apologize for the reason of avoiding conflict or because they feel that they made the other person feel bad. It usually is either of them. Sometimes, it’s guilt that drives them. Guilty for joking/pranking, guilty for ignoring them, guilty for not asking them or the feeling of guilt for putting themselves first.

Reasons why you feel like apologizing:

You were taught to put others first: When you were a kid, you saw someone fall down. You rush to their aid and lift them up with your itty-bitty strength, and they thank you for helping them. You are praised by your family and the incident’s talked about at various family gatherings. It gives you the feeling of responsibility and makes you feel that you have to put others first and it should be your priority over anything. Fast forward to now, your friends ask for your help on their project, and you rush. You complete their project but yours gets delayed. Your sir calls you out in front of the class saying that you delay your work because of your laziness and your friend doesn’t stand up. Neither do they tell the sir after nor give you credit. You don’t say anything because your friend was first even if you were called out. You apologize to sir because you couldn’t finish it and not for helping your friend before yourself.

Truth: By putting others first, you don’t gain much but you do lose out on time that you could have used for yourself. If you had taken time to complete yours along with theirs, the work would have been completed quickly and efficiently with time to go over errors.

You were taught to help others without seeing what you need: You always gave your grandpa medicine on time, you helped your mother in cooking, you would take the newspaper to your dad along with his morning tea/coffee, and you were always told to help people. Today, you help someone, no matter how much stress/workload you have. They ask for anything and you help them out. Sometimes, it’s just a text to their crush on how to ask out and you help them, despite the deadline of your project. So you apologize when you can’t help them because you are placing yourself first.

Truth: You need to see what help you need first so you can complete the necessary task at hand. The text can be sent anytime but your deadline can only be given once. You need to help others but you need to see if it is something that actually needs help.

Scolded when you placed more importance on yourself: A lot of children are told to share and to not be selfish. If you have 2 chocolates, give it to your friend because you are a “good boy/girl”. After growing up, whenever you need new shoes or your family needs a new appliance, you choose the second option because it feels like a need but yours feels selfish.

*Appliance is used twice and placed for “Future Use”*

Truth: Sometimes, being selfish is good. You need new shoes and your home has enough appliances. By getting new shoes, you will stop getting the foot ache that you have been facing for the past 2 months. If you get new shoes, then you can work with more focus and more energy.

Avoiding Conflict: In most cases, when you were a kid, your tantrums would cause your parents to scold you and you would face punishment, or your friends would distance you because you get angry frequently. The last one pushes a child to socializing issues and causes anxiety on how others perceive them for every single action they take. So, they apologize whenever someone raises their voice a little bit, no matter what the conversation is about. They want to avoid the conflict because they don’t want to face what happened earlier and become outcasted.

Truth: You will face conflicts in future, either in relationships or friendships, you need to understand why you should apologize and for what you should stand your ground. Conflicts are what brings people closer to understand the other person better by learning their needs. If you never have a fight, how will you know what the other person actually feels?

Harmed someone in childhood: When a kid unknowingly harms someone, they get scared and cannot move because they don’t know what to do. Their mind goes blank and they freeze because this feeling is new to their system and it’s hard to know what to do next. The kid is then scolded and constantly lectured over and over again to the point the kid feels anxious to touch a person. When they grow, the anxiety grows with them and it constantly pricks them. What if the casual punch hit harder than it should? What should I do if I dash into someone a little too hard? Should I give them a handshake or fist bump? What if I punch them too hard? Let’s go with the handshake so I don’t hit them too hard.

Truth: It’s okay to give a fist bump or handshake or high-five to a person whom you know. You just need to relax your mind. If you want to touch the person but are scared of the force you put into it, then show a sign of initiation. For a handshake, raise your hand out in the form of a handshake, and wait for them to accept it. By showing initiation, you let the other person engage and guide you through the conversation.

Saying sorry is well and good but exceeding it drains you of your self-confidence. You are a person at the end of the day and you need to stop saying sorry for that. You are existing which means that you will make mistakes and you will learn, but saying sorry for things that don’t require an apology then it will just drain you. It’s not going to get fixed overnight because you have taken years to build this habit. It will be fixed if you work on it every time you notice it happening.

Thank you for reading this article. It is something I have faced and I have learnt how to overcome it. Leave a comment on how has overaplogizing affected your life and how have you overcome it or trying to overcome it.

how to prevent debit card hacking

Hello friends, in today’s article, we are going to give you information about how to prevent debit card hacking, often people keep asking us questions about how we can secure our ATM card and how to save it from being hacked. If so, today we are going to give you information about this.

It is often heard many times that the ATM of many people gets hacked and due to this money is withdrawn from their bank without their permission, all this can also be due to your small negligence, so we are going to tell you some ways. With which you can secure your ATM, any person can hack your ATM only when he has information about your ATM, it can be known to other people in many ways until no one knows about your ATM. Till then your ATM remains secure.

how to prevent debit card hacking

If you want to secure your ATM, then for this you have to follow the method given by us, by this you can make your ATM more secure than before.

1. ATM usage

Many people get so busy with their work that they do not go to withdraw money from ATM, due to which they ask another person to withdraw money from ATM, this is a big mistake because the next person will balance your account. Along with watching, you can keep your PIN with you and if you get a chance, you can steal your ATM and withdraw money as per your wish.

Therefore, do not allow your ATM to be used by any other person, as far as possible, do the work of transactions on your own with your own hands.

2. Be careful in online payment

Due to many reasons, we have to pay online through an app or website and as there are thousands of applications and websites like Paytm, PayPal, and phones pe from which we pay online, then we should be very careful in this way.

You should be very careful while making online payments from ATMs, many companies save the information of your ATM by doing online transactions, which increases the risk of your ATM being hacked.

Therefore, for transactions, you should always choose a trusted website so that your ATM is not misused.

3. Caution in Online Shopping

If you do online shopping, then you should be most careful at that time because most hackers target anyone through online shopping sites, so you should pay special attention while shopping.

Whenever you do shopping, at that time you get the option of cash on delivery, if you choose it, then you do not have to give credit card or debit card details and your money is taken from you only at the time of delivery, this is a very safe method. It happens.

4. Downloading Untrusted App

There are many apps that hackers make to hack any phone, if you download such an app once, then after that, all your data goes to the hacker, he can easily hack your ATM. can.

You should not install any untrusted app or any unnecessary application and if you have already installed it and it is not necessary for you, then uninstall them, this will keep your data secure.

5. Via Public WiFi

If you use public WiFi, then you should be very careful because many times hackers can steal your phone’s data by luring WiFi, they put a virus in your phone through WiFi so that they can easily access your phone. data can be hacked.

In this way, along with your phone’s data, they can also find out your ATM details so that your ATM can be hacked, so public WiFi should be used very carefully.

6. Keeping the PIN with the ATM Card

Most people fall prey to this problem because they keep their ATM card and PIN together or write the PIN code on the ATM itself, due to which their ATM is stolen or lost somewhere in the future, then the next person will have their PIN also available with ATM so that they can easily withdraw money.

If you use ATM then you should always remember your PIN and if you cannot remember your PIN then you should write your PIN in any safe place so that your PIN does not fall into any wrong hands.

7. Malware can be dangerous

Most hackers put viruses or malware in any device to hack it, with the help of which they can steal your data, this problem is for both mobile users and PC users, so you should always use good antivirus on your phone. should.

It is safer to use a premium antivirus than free antivirus, if you can spend some money then you can always use this premium antivirus.

Use this, no one will be able to hack your system and your data will be safe.

8. Don’t Share OTP

OTP is great security as well as a better important part, which prevents your ATM from being misused is extremely important.

If you are not doing any transaction, you get OTP from any kind of bank, then you must complain about it on the bank helpline and if someone asks you for OTP through SMS or call, then you should not tell OTP and file a complaint against him.

Conclusion – With the methods, we have told you, you can very easily save your ATM from being hacked and your caution only keeps your data safe, you can save your debit card or credit card to a great extent by following the above-mentioned method. can increase security. If you want to ask any question related to saving your ATM card from being hacked, then you can tell us by commenting and if you like the information, then also share it with your friends so that other people can also get information about it.

Web 3.0 : Financial Service Industry

How will the evolution of the web have an effect on Financial Services? This is a question that puts many financial institutions in peril but is it really something that will put banks out of business?

What is Web 3.0?

Web 3.0 is a new evolution phase that is coming into reality. The web as we know, is evolving into something more secure with more opportunities and various features. A lot of people don’t understand Web 3.0 and are scared of it. This will be a massive change on how we see the internet and how we will use it. It is going to be a decentralized platform and it will be individualized wherein you can customize your internet browsing experience.

The Royal Bank of Canada is utilizing millions of data points to train its own AI, resulting in fewer client calls and faster application delivery. Meanwhile, BNY Mellon, the world’s largest cross-border payments service provider, improved its fraud prediction accuracy by 20%. By researching real-time market data within nanoseconds, AI and high-performance computing (HPC) are combining to provide better and faster trading intelligence.

What does this mean for Financial Services?

Web 3.0 is transforming the finance sphere slowly into a decentralized place. Basically, you don’t need a financial institution governing your transaction or authorizing them. The transaction will only be initiated by you and reaches the receiver, in a matter of moments, without any middlemen. Using cryptocurrency, you can make transactions over blockchain that eliminates that bank server from between. Cryptos are digital assets that let users transact directly without a payment service provider in the intermediary, which means that they enable new forms of capital. Although Bitcoin remains comparatively low now, it still may provide effective money governance by preserving and protecting the data or memory of what our money represents. Then there is the unparalleled manipulation of fiat money. We can observe how central banks have significantly extended their balance sheets since the GFC and the ongoing pandemic COVID-19.

DeFi

DeFi is short for decentralized finance where there are no middlemen between you and the receiver. The transaction will be on the blockchain where the transaction time is reduced from time of hours/days, to moments that you can count on your hands. With DeFi, you can perform all transactions and services that are offered by traditional banks, without the bank in between. Now, you might wait for your transaction to be passed through because your bank should allow it and then it has to pass through the bank’s server.

DeFi uses cryptocurrency as the main currency because they are programmed using blockchain technology. There is a huge difference between CeFi and DeFi.

Effect on Financial Services

Undoubtedly, Web 3.0 has opened its doors for infinite opportunities and many FinTechs are utilizing them while traditional institutions are being left behind. These organizations are investing in their technology and its improvement in this rapidly changing market. These FinTechs’ major part of investment is into AI which are being programmed to understand the different problems faced by people and able to give out the solutions in a matter of seconds. This dependance on AIs is being constantly improved which are learning from their own errors and giving better and more efficient solutions. A survey by NVIDIA , according to it, nearly 83% of finance service professionals say that AI is essential for the companies’ success. It is also said that AI can improve company growth by 20%.

Conclusion

Web 3.0 is bringing so many opportunities while improving the present technology and organizations that are utilizing it will not be taking rest anytime soon. This technology is just going to become better and better. Every single day that we see this technology step up just shows that we are not done with technology, it can be better and more efficient and these companies are proving that to use everyday. Web 3.0 is showing more freedom of speech and thoughts than the present restricted web 2.0, decentralization is going to put back the control back in the hand of the User.

“Where there is life, there is growth

Where there is age, there is evolution.”

~Charles Darwin

Thank you so much for reading this article. I have added information from different websites and I thank them for their view on this topic. Do leave comments on different aspects of Web 3.0 that you think will change us.

The links to pages that helped me understand Web 3.0 better:

Financialit.net: How web 3.0 is transforming the financial services industry?

https://www.finextra.com/the-long-read/231/how-ai-is-powering-the-future-of-financial-services

https://n26.com/en-eu/blog/what-is-defi#:~:text=How%20does%20DeFi%20work%3F,are%20secured%20through%20blockchain%20technology.

Web 3.0 : Financial Service Industry

What is Web 3.0?

What does this mean for Financial Services?

DeFi

DeFi uses cryptocurrency as the main currency because they are programmed using blockchain technology. There is a huge difference between CeFi and DeFi.

Effect on Financial Services

Conclusion

“Where there is life, there is growth

Where there is age, there is evolution.”

~Charles Darwin

The links to pages that helped me understand Web 3.0 better:

Financialit.net: How web 3.0 is transforming the financial services industry?

https://www.finextra.com/the-long-read/231/how-ai-is-powering-the-future-of-financial-services

https://n26.com/en-eu/blog/what-is-defi#:~:text=How%20does%20DeFi%20work%3F,are%20secured%20through%20blockchain%20technology.

Destructive Habits: Bias

There are many habits that destroy your mental peace, happiness and mostly you. Some of them are usually with different addictions or because of people but what destroys you as a person depends on how you view things and people around you. Your environment is what shapes you but to be different, you have to do it by yourself.

The most common habits have become common because we are more focused elsewhere than ourselves. To be a better version of yourself, you need to view your flaws and work on them.

Spotlight Effect: We overestimate how much attention people give to our words and appearance. Imagine you said something but it felt wrong after it came out. In reality, everyone only remembers it for the moment and immediately moves to the next topic. We ponder over it for days, forgetting that others don’t care as much as we do about it.

Example: “The red shoes don’t match the outfit at all! I guess the guys are laughing because of it”

*Red shoes matched the outfit better than you imagined*

Truth: No one cares about you as much as your loved ones do. Everyone is just a temporary traveler in your life and you have to be okay with it. Dress how you want and be how you want to be.

Status Quo Bias: We prefer for things to be the same; usually change is viewed as a negative aspect of life. If you adopt a new habit that cuts out something from your life, you immediately feel guilty of not being able to manage it, so you quit your new habit for the old one because it feels more comfortable.

Example: “I like to paint, but the classes are on Friday, I won’t be able to party! I can always paint later so let’s party now!”

*Proceeds to miss out on an amazing experience*

Truth: Change is hard. To adapt to a new routine and new place is always difficult and your mind is stuck on the old routine, but only then do you learn more about yourself. You may like to paint now, but when you explore it, you may not want to put the brush down! You need to explore that change for a while to know more about yourself.

Zeigarnik Effect: We focus more on the incomplete tasks than the ones that have been completed. Sometimes, we forget to see that we have accomplished many things on the way, and we focus on the ones that we have not accomplished yet. It pushes you to feel bad that you are not able to do anything.

Example: “Bro I lost the Table-Tennis Pan-India Semi-finals! I feel so like I can’t do it anymore”

*Came so far by winning championships and tournaments*

Truth: You have to see where you are today. Look behind you and see the different hurdles you had to come across. You didn’t cross them just to go back did you? It does feel bad to not achieve something the first time you try it, but when you achieve it, after toiling for some time, the fruit is incomparable.

Pessimism Bias: We tend to overestimate the possibility of negative outcomes. We always have a small part of your mind that searches for a negative outcome. What you see and ask for, is what you get and have. You will increase the chance of losing the opportunity if all you see is losing it.

Example: “I feel like I will lose this chance to be head of department, there are so many others who are way more qualified.”

*Loses opportunity because it messed with your confidence and screwed your interview*

Truth: What energy you put out, is what you usually get. Sometimes, you lose opportunities, but don’t dwell on the wrong aspects. You may not have the necessary qualifications but the way you portray yourself is what gets you opportunities.

Sunken-Cost Fallacy: We invest more in things that have cost us something, even if we have negative outcomes. We feel that if we invest more, the difference can be recovered with just a little gain.

Example: “My portfolio is down by 25%! I will invest 50% of it so with a 25% gain, I can recover the loss”

*Proceeds to lose more because the stock market is in a bear phase*

Self-serving Bias: Our failures are situational but our success is our hardwork’s result. We view that our failures are determined by external factors and our success is because of us. It is also difficult to ascertain what caused success or failure on the spot so we divide it based on the result.

Example: “I lost the game because the opponent was too strong. I got the best player of the match because I practiced well”

*Opponent won because of your overconfidence in your practice*

“The eyes sees only what the mind is prepared to comprehend.”

~Robertson Davies

Sometimes, we see these habits recurring but we don’t want to change because we feel it will make others dislike us. By changing, you are not making your friends feel bad but giving them a chance to understand that it’s time to improve. It’s time to make yourself the person you always wanted to be. Everyday is a learning step and only then can you improve. These habits of biasing situations have a lot of effect on where you are and where you want to be.

This post has been inspired by Ankur Warikoo. You can check his post on LinkedIn here!

This was a delight to write about. I hope you have found this article interesting and let me know about your thoughts on this. Keep on smiling!

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how to prevent debit card hacking

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