Education and Education Institution’s Mafia

The most important and desirable thing human beings are gifted is the wisdom. At the outset, we are programmed in our reality of creation that we all should strive for education to acquire knowledge. In the past, many centuries ago, people acquired knowledge from those who were educated and from the experience of others. They learn how to evaluate through reasons and implement in their lives all the virtues.

Anil Sadgopal is an Indian educationist and activist, known for the Hoshangabad Science Teaching Program and for advocacy related to the Right to Education Act. The main feature of basic education is free and compulsory education for children of 7 to 14 years, education through craft, self-supporting education, mother tongue as medium of instruction, ideal citizenship and flexible curriculum.

In olden days educational institutions and teachers were very sincere and earnest in their profession. They ensured that the students were groomed into the system and they learn diligently with all sincerity. As the societies grew and spread across the globe, the education pattern has changed accordingly to suit to whom monetary benefits matters most. The respective governing bodies have issued guidelines to both government school and private schools to ensure students get the benefits. Alas! This has never been translated into factuality and the main purpose was relegated to the back and remained until to date. The government school failed in their aspect of duties whereas the private school has progressed to some extent of the huge cost of financial burden on the parents.

Bhanu Jain wrote in his Policy Institutions and Practice Term Paper and strongly recommended that the common school system is a must step that should be taken to insure the development of India as a superpower and as a developed country. Although it has been well-recognized decades ago that CSS is an essential step for attaining equality, social justice and social change until now no concrete and effective steps have been taken for its implementation.

The grave scenario is the behavior of developed and developing countries. The underdeveloped countries remain below the threshold of basic educational standard awaiting mercy from some philanthropist to elevate their academic level. It is a wishful thinking displaying their incompetence and ignorance to come to terms with reality. They get carried away by the false propaganda and modern infrastructure and doomed defeat at the end. They become victims of financial burden and remained in debt for many years.

These corporate educational institutions aim to haul maximum financial benefits from the parents and acquire properties from the government schools. The façade they create in the form of infrastructure, publicity, pomp and show besides greasing the palms of government officials. They also promote their image on social media and in print media.

On the contrary, the story is different when it comes to government school and its performance. A principal of the Urdu medium school in the old city of Hyderabad (India), Mrs. Gupta has elevated the ranking of the said school from below 250 to an astounding top 5 in the twin cities. It is to be noted that the government school in question has never raised any fee nor the salaries of the teaching staff. It has unequivocally established a fact that who is at the helm of the institution. A sincere and dedicated person will achieve a remarkable feat within the existing system and environments.

If consider, the government schools and the number of students who not only excel in academic curriculum but also in sports and other extracurricular areas. All outstanding sportsmen, whether in Golf, Hockey, cricket or any other faculty of sports has come from average families and government or private schools which do not belong to corporate school category. In the field of politics, research or administrative services majority has come from humble background and poor financial status. They all studied in regular government school in simple and humble surroundings. All philosophers, scholars and geniuses are from a humble background and not from the corporate education system.

The outstanding features of all corporate schools are hypocrisy, corrupt practices and snobbish attitude. They practice class distinction and make them conscious of their background. It is not openly reflected nor advertise, but progressively the Zionist culture infiltrated in Indian education system to create a society of corrupt wealthy group as seen in western societies.

It evidently and unequivocally established that what matters is not the corporate school, but the leadership and will to change the scenario. The foreign degrees and overseas stay for many decades are no criteria to achieve remarkable feat. The sincerity and dedication of commitments to provide valuable and meaningful education to poor and below average income group children is of prime importance.

These corporate educational institutions are slow poison which will make our societies hollow from inside. They are the termites and cause irreparable damage to the societies and their very personalities. They make feel inferior among themselves ultimately, they will be relegated in delusion in the long run. They will drift in the wilderness of chaos and confusion. They live a short life thriving on financial gain, eventually failed in their vision of faith and religious practices.

How Do You Get A Loan For Your Small Business?

Where can I get loans for my small business?

Funding for small businesses is often done through loans and equity. Equity is that part of the capital or money required for the business that you put up from your own pockets and the rest you take from outsiders in the form of loans. There are various sources like banks, venture capitalists, insurance companies, private individuals and organizations like US Small Business Administration that provides you loans for your small business.

What are the banks going to ask me?

Getting loans is not always easy and there are a host of questions to which you must provide answers before being considered by a bank or any other financial institution for a loan.

10 questions that the banks will ask before lending you money:

1.Can the business that you are considering to enter into generate enough money to pay off the interest on the loan?

2.If the business fails then do you have the capacity to pay off the interest yourself?

3.What is the history of the business? The lending institutions will be interested in how the business has evolved over the years and how well it has been performing in the past. The past is considered to be a good indicator of the future and chances are that if your business has done well in the past you will find it easier to obtain the loan.

4.What is the background and history of the managers and how committed are they to the business? The one criteria that makes or breaks a business is whether the management is committed and capable enough to steer the business in the right direction.

5.Are the sales growing? It is important for any business to grow its sales and especially a small business where the base is smaller and the lenders are certainly going to pay attention to the growth rate of the past few years and the future outlook.

6.How profitable is the business? While you may think that the lenders are only interested in getting their repayments their success is dependent upon your success and to that extent the profitability of your business is crucial.

7.What is the competition like? Lenders would not like to loan out to a small business which has bigger and more intense competitors with deeper pockets.

8.Is the industry itself growing? If you are operating in a profitable and growing industry then the chances of your getting a loan also increase that much.

9.Is the cash flow smooth? Cash flow is to business what blood is to the body and you should have a smooth cash flow to pay all your bills on time, pay your employees and keep the ball rolling.

10.The banks will also look at your past credit history and how you have performed with the loans that you may have taken in the past.

What are the things for which I will get the loan?

There are many aspects to a business even a small one and you get different types of loans tailored to suit each kind of need. For instance you get loans for working capital, buying capital equipment, expansion programs, installing new machinery and computerization etc. You get loans for almost any type of needs that arise provided you have a good case for it.

What is the amount and rate of interest of the loan?

Different institutions have different ways of evaluating the amount that they will pay you. Indeed in cases of venture capitalists entire 100% is also funded for your small business. If possible it is always better to have as much equity as possible in your business for two reasons. One is when the prospective lenders themselves see that you are putting your money in the business their confidence in you increases and secondly your interest outgo also reduces making your profitability that much more as your interest expense is lowered. The interest rate hovers but if you take the loan from the US Small Business Administration it will range somewhere between 8 and 13%.

There are various means and ways of getting loans for your small business and you must persevere at getting the right loans that suits your needs and gives you the best interest rates and repayment terms.

3 Reasons All Home Based Business Owners Need A Smartphone

Being a Home-based business owner has its advantages and its disadvantages. There are less overheads and, for me especially, less stress from not having to play all of the office politics games that go on around the water cooler. Working from home does not mean that you have to scrimp and save on everything though.

Mobile phones are an important tool for all business owners- whether you own a home based business or a multi-national corporation. The purpose of this article is to share with you three reasons that all home based business owners need a smartphone to help them run their business.

I am not going to try and convince you which handset you should get. I don’t care whether you get a Blackberry, an iPhone, An Android phone or a Windows Mobile device. They all have similar features (although you do have more access to apps on an iPhone or Android device) and they would all benefit your business

A smartphone is more than just calls and text messages. Here is how a smartphone can benefit you as a home based business owner:

It works as an office away from the office- A smartphone is an all in one communications tool. It gives you access to calls, text messages, emails, internet access as well as access to all of your social media and social networking profiles. You can also access instant messaging accounts. These days you can also create and edit work documents whilst you are away from the road. For me, I love to get out my blackberry whilst I am on the exercise bike. I write articles, blog posts and respond to emails.

Life isn’t just about business; don’t forget pleasure- Life is supposed to be fun and a smartphone can help you both with business and with pleasure. You can read books, you can watch videos, you can listen to music and you can play games. You can do this whilst you are at home or whilst you are out and about on the road in between meetings.

A smartphone will increase your business efficiency- Smartphones will increase your business efficiency. This is because you can make more effective use of your downtime if you have to leave the office for meetings. You can respond to emails, plan your day and update your calendar amongst other things. This means that you can spend more time with family and friends at night.

As a home based business owner you need to do yourself a favour and get a smart phone next time you upgrade handsets.


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