Child labour

Child labour refers to the employment of children in any work that deprives them of their childhood, interferes with their ability to attend regular school, and that is mentally, physically, socially or morally dangerous and harmful. In villages, it is a common sight to see children of poor families working in fields or elsewhere to contribute to the family income. Such children are deprived of opportunities of education and are also prone to health risks.

In a sense, child labour is open exploitation as it deprives children of education and pushes them into exploitative situations. The side-effects of working at a young age are: risks of contracting occupational diseases like skin diseases, diseases of the lungs, weak eyesight, TB etc.; vulnerability to sexual exploitation at the workplace; deprived of education. They grow up unable to avail development opportunities and end up as unskilled workers for the rest of their lives.

It has been observed that in villages especially, representatives of various industries lure children with promises of jobs and wealth and bring them to the city where they are employed as bonded labour in factories. Many children are also employed as household help where they are paid minimum wages and are made to do maximum physical work.

What the law says about child labour

According to Article 23 of the Indian Constitution any type of forced labour is prohibited. Article 24 states that a child under 14 years cannot be employed to perform any hazardous work. Similarly, Article 39 states that “the health and strength of workers, men and women, and the tender age of children are not abused”. In the same manner, Child Labour Act (Prohibition and Regulation) 1986 prohibits children under the age of 14 years to be working in hazardous industries and processes.

Role of panchayat members in mitigating child labour

  • Generate awareness about the ill-effects of child labour,
  • Encourage parents to send their children to school
  • Create an environment where children stop working and get enrolled in schools instead
  • Ensure that children have sufficient facilities available in schools
  • Inform industry owners about the laws prohibiting child labour and the penalties for violating these laws
  • Activate Balwadis and Aanganwadis in the village so that working mothers do not leave the responsibility of younger children on their older siblings
  • Motivate Village Education Committees (VECs) to improve the conditions of schools.

Now restrict the covid to imact your financial credit

 – Since the beginning of March, COVID-19 has turned millions of Americans’ financial situations upside down.

While the economy is showing signs of recovery, many Americans are still unemployed and having to dip into their savings to cover basic living costs. To that end, the question remains: How do you protect your credit score? Read on for some tips.

• Contact your lender aas soon as possible if you can’t make a payment. On-time payments are the largest factor affecting your credit score. Many lenders continue to offer emergency support such as deferral or forbearance options that may allow you to reduce or suspend payments for a fixed period. However, if those terms are set to expire soon, you should “call your lender to discuss what options are available,” says Rod Griffin, senior director of consumer education and advocacy for the credit reporting agency Experian.

• Look for ways to boost your credit score. If you have limited credit history, building credit can be challenging. Experian’s free tool, Experian Boost, can help raise your FICO score instantly by giving you credit for on-time utility, phone and streaming service payments.

This type of alternative financial data, known as “consumer-permissioned data,” allows you to manage your data with confidence and qualify for better credit. In fact, two out of three Experian Boost users see an increase in their credit score with an average increase of about 12 points. That’s enough to make a significant difference when applying for a loan or any type of credit.

• Consider getting a balance transfer credit card or one with an introductory offer. Handled responsibly, this actually has the potential to increase your credit score while either buying you time to pay off your debts or getting a “welcome bonus” of perhaps hundreds of dollars. If you’re looking for personalized credit card options, tools like Experian CreditMatch can help you get the right card based on your financial profile.

• Pay attention to your utilization ratio. Your credit score is based on your total balance-to-limit ratio (a.k.a. “utilization rate”). Adding a new credit card increases your total available credit. As long as your total credit balance remains the same, you’d be decreasing your utilization rate, which can potentially boost your credit score. Be sure to transfer balances to the card with lower interest and be mindful of temporary low interest rates.

While any balance can cause scores to decline, you should keep your utilization under 30 percent, both overall and on individual accounts. Shooting for a top credit score? “Keep your utilization in the single digits, or even better, pay your credit card balances in full each month,” says Griffin.

• Fight fraud by checking your credit report regularly.According to the Federal Trade Commission., there’s been a huge jump in attempted credit – and debit-card fraud since the pandemic hit; consumers have lost more than $100 million to COVID-19-related fraud

financial planning for future

Financial planning can be complex, so when you seek guidance in planning your financial future, it’s essential to work with someone you can trust.
A CERTIFIED FINANCIAL PLANNERTM professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients’ best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.
Professional standards are important to protect consumers. CFP Board’s Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.
In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional’s ability to act in their clients’ best interests.
Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.
“Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough,” says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.
Professionals who follow CFP Board’s Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:
– Duty of Loyalty. This means putting their clients’ interests first.
“Your interests should be placed above the interest of the CFP® professional and the CFP® professional’s firm,” according to CFP Board’s website.
– Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.
For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.
– Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and “all reasonable and lawful directions of you, the client,” according to CFP Board.
“Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client’s best interest. Certainly, that is what every client

health tip in the post covid office

Offices around the country are finally opening back up. According to census.gov, more than a third of Americans are still working from home , but the number of people getting back into their daily commutes-and their work clothes — is growing every day.
In the APA’s Stress in America™ poll conducted in February 2021, 42 percent of Americans reported undesired weight gain during COVID-19 quarantines, lockdowns and work-from-home time. Their average weight gain: 29 pounds.
To get back into a healthier routine once you head into the office, Courtney McCormick, registered dietitian and manager of clinical research & nutrition at Nutrisystem, offers these simple tips.
Pile on the Produce: Even the odds and help yourself stay on track when you clock in. Load up on non-starchy vegetables such as cucumbers, peppers, carrots and more each day because they’re loaded with vitamins, minerals and fiber, but they’re low on calories. The fiber helps you feel full without filling out.
Pack Satisfying Snacks: Healthy snacks may be the most important option you can give yourself at the office. When you start to feel that 3 p.m. slump, it can be so easy to grab one of those coworker-brought bagels or hit the vending machine. Being prepared with satisfying options can help you make food decisions to meet your health goals.
Make Meals Ahead: Meal prepping ahead of time can help you stay on track when it’s time to eat at the office. Pre-portioned meals such as those from Nutrisystem or power bowl recipes are a great healthy lunch meal prep option because they are easy to grab and go, yet heartier than a salad. You can also whip up several servings of chicken in the slow cooker or on the grill to pair with steamed veggies all week long.
Stay in the Know: Once you’ve got your healthy meal prep underway, arm yourself with information. When a coworker invites you to lunch or happy hour, you’re going to want to be there-it’s the first one in more than a year! So give yourself the info to concentrate on the experience without stressing about your order. Look at the menu online before you head out so you can see which options are best for your healthy lifestyle.
To add to your efforts, don’t forget to stay hydrated and active during the workday. Pack a water bottle to refill during the day and plan to meet a co-worker for a lunchtime walk. 

Travel: Build life experiences

If you remain in your home town or country for your whole life, it is hard to fully comprehend the world. You will never get to experience other countries’ struggles, celebrations, and traditions.

You can argue that the media does show you these things. However, the media often portrays the negatives of a country, while the positive stories go unreported. Think about the war in Syria and how your current perceptions of the people and the country are. The media enables us to build walls and barriers to understanding. The only way to overcome this is to explore and see things for ourselves in the real world.

Every country can be vastly different from another. The dialects, food, music, religion, and traditions differ. Being exposed to these unique cultures allows us to become open-minded and understand that even though we appear to be different, we also have many similarities as humans. In spite of looking different, we share the same hopes and dreams. All cultures love their children, are proud of their culture, and work to improve living conditions for their families. These similarities are what bring us together. Traveling allows us to celebrate differences while encouraging ourselves to be more tolerant of each other.

Traveling gives us a better understanding of the world

If you remain in your home town or country for your whole life, it is hard to fully comprehend the world. You will never get to experience other countries’ struggles, celebrations, and traditions.

You can argue that the media does show you these things. However, the media often portrays the negatives of a country, while the positive stories go unreported. Think about the war in Syria and how your current perceptions of the people and the country are. The media enables us to build walls and barriers to understanding. The only way to overcome this is to explore and see things for ourselves in the real world.

Every country can be vastly different from another. The dialects, food, music, religion, and traditions differ. Being exposed to these unique cultures allows us to become open-minded and understand that even though we appear to be different, we also have many similarities as humans. In spite of looking different, we share the same hopes and dreams. All cultures love their children, are proud of their culture, and work to improve living conditions for their families. These similarities are what bring us together. Traveling allows us to celebrate differences while encouraging ourselves to be more tolerant of each other.

How to Move From NYC to Chicago?

NYC is the best place to live because here, you can get everything you need. Unfortunately, NYC is the most expensive city to live so you might want to move to Chicago due to this reason. But the good news is Chicago will also not disappoint you. Many moving companies can help you make your move from NYC to Chicago stress-free. 

Moving to Chicago is a good decision, and you won’t regret it. This city offers many large amenities so you can enjoy a better life quality. So, without wasting any time, let’s explore how to move from NYC to Chicago. 

Tips for Moving From NYC to Chicago

The distance between NYC and Chicago is about 899 miles. So, when you decide to move, start your packing. When you start early, you can do the task quickly. 

  1. Declutter, Organize, and Pack

Moving from NYC to Chicago is a big decision, and you’ll have to reduce your belongings to get the move done cheaply. So, how can you make your move cheap? First of all, get rid of all the items that are no longer in use. You can sell them or donate them to get some money. You can declutter furniture or unwanted clothes by selling them online. 

Now, you’ll be left with only the essential items. So, now you need to organize items room-wise. Purchase the moving supplies, including boxes, bubble wrap, and padding or foam. Don’t forget to get one or two ziplock bags to secure cables. 

Start packing room-wise and label boxes according to the number of rooms. Firstly, pack those items that you don’t need in your existing home. Pack the daily needed items at the end. Pack delicate items carefully and secure them to avoid damage. The more time you spend on packing, the safer your items will be. 

  1. Hire Movers

Long-distance moves are not easy, so we would never suggest doing it yourself. They’ll pack items and then perform the loading and unloading tasks. Moreover, they’re professionally trained, so they know how to deal with heavy and delicate items. 

You need to get quotes from multiple companies to find the best one. For a long-distance move, the best option is to hire full-service movers. It will save you from injuries. Finally, ensure that the company will be at your door on a moving day right on time. Finally, ensure that the company is insured so that you get your money if something gets damaged. 

  1. Book Your Movers Early

When you decide to move, start meeting with moving companies. Ask them to visit your home to provide you cost estimates. Ask all the questions that you have in mind. If you want to make your move cheap, avoid moving during holidays. Move during the off-season to make your move cheap. 

Find a company that offers affordable rates for long-distance moves. On the other hand, if you want to do everything yourself, ensure that you arrange the workforce and moving truck early. When you do it last minute, it will lead you to wrong decisions. 

  1. Utilities

When you want to relocate:

  • Let your landlord know at least one month before the moving date. 
  • Disconnect your all the utilities and change your postal address so that you can get your mails on the new address. 
  • Get booking for utilities at a new location. 

It will make things easier for you. 

  1. Get Back to Routine

After reaching your new home, it will take time to adjust and get back to routine. So, be patient and let your kids and pets get used to the new conditions, neighborhood, schools, and parks. Take your kids on a drive to familiarize them with the streets. Enjoy your time in Chicago. 

Benefits of Moving to Chicago from NYC

  • Chicago has a lower cost of living as compared to NYC. 
  • Public transport is smooth and cheap in Chicago, and residents can move through all regions of the city. 
  • The job market in Chicago is strong, and you can get multiple job opportunities in shipping, warehousing, and Railroad. 
  • Chicago has awe-inspiring and worth-watching scenery. The city has an excellent skyline, beautiful green space, and open-air views. 
  • It is a good place for higher education. So, you’ll not have to worry about the education of your kids. 
  • There are unlimited entertainment opportunities. So, when you get back from work, you can find opportunities according to your interest. 

Final Words

Moving from NYC to Chicago is a big decision, but thankfully you wouldn’t regret it. There are plenty of benefits of moving from NYC to Chicago, and some are listed above. Finally, follow the tips mentioned above and make your move from NYC to Chicago cheap and worthy. 

communicate!

Whenever we are stuck in a problem we think that no one will understand our problem. We decide not to discuss it with anyone else because we think it is of no use. We think only we can solve our problems.

But we have to decide that talking really makes any problem easier. When we share exactly how we feel we feel relaxed. Yes! I agree many times our problems don’t get their solution but we feel relaxed and that is really important. By communicating we get hundreds of different perspectives and may be any of it brings something really useful to us.

Keeping things in heart is completely no good. It will depress us and nothing else. When we share we feel light it’s like a big burden has been dropped. So to communicate about anything is really good.

Impact of Covid-19 on global economy

Theme:-

  • COVID-19 (Coronavirus Disease 2019) was first identified in Wuhan city of China in December 2019. On 30th January, the World Health Organization (WHO) declared COVID19 as a Public Health Emergency of International concern (pandemic). As of 16th April 2021, more than 13 crores 90 lakh people were affected by Covid globally and nearly 30 lakh people died due to the virus.
  • Coronaviruses (CoV) are a group of viruses that affects animals and humans. The first coronavirus that can affect humans is discovered in the 1960s. Before COVID-19, this family of viruses caused the SARS outbreak in China in 2002, the MERS outbreak in Saudi Arabia in 2012.
  • COVID-19 is not just affecting the health of the people, but also the economies of many countries. So the topic – ‘Impact of COVID-19 on Global economy‘ is widely discussed.

Impact of COVID-19 on the Global economy:-

  • Many people lost jobs, and the informal sector is badly hit. Unemployment is increasing. This is a huge setback for economies.
  • Due to the consumption slowdown in the world, exports and imports are affected. So, this affects the economies of almost all countries.
  • The International Monetary Fund (IMF) estimated that the global economy shrunk by 4.4% in 2020. This is the worst decline after the 1930’s great depression. Many countries are facing a recession.
  • The health care sector hit hard and the expenditure is a big burden on many countries.
  • The movement of people is restricted due to the fears over the further spread of COVID-19, and hence tourism industry has faced huge losses in the initial months of the pandemic. Tourists spend money in the countries they visit, so the loss of this money is affecting the economies of many countries.
  • Due to the low demand for fuel when several countries imposed lockdowns, crude oil prices have dropped. Low crude oil prices are beneficial to oil-importing countries like India and detrimental to the economies of OPEC (Organization of petroleum exporting countries) countries like Saudi Arabia. Now, crude oil prices are improving.
  • According to the World Trade Organisation (WTO), China is the biggest exporter and second-biggest importer of merchandise as of 2019. Many industries in other countries are depending on China for many raw goods such as pharmaceutical ingredients, automobile components etc. So, coronavirus has hit global supply chains badly. As many factories in China were closed at the start of the pandemic, production has halted for the dependent companies in other countries. Some companies went for alternatives, which is the costlier option. At present, several countries are trying to be self-sufficient. This is resulting in the dominance of nationalism over globalism.
  • Pharmaceutical companies, hygiene products manufacturing companies are benefitting from this situation.
  • Just like past pandemics, Covid too is coming in waves. At the time when countries are recovering from the first wave, several countries are facing a second wave of Covid and thereby weakening their economic recovery.

Conclusion:-

COVID-19 caused severe damage to the global economy. Nations are trying hard to rebuild their economies and to prevent further downfall. Vaccination drive should be at a faster pace to prevent further loss of lives and also the collapse of economies.

Quad to become Quad plus

Theme

On 12th march 2021, India, the USA, Australia and Japan conducted the first ever summit to discuss regional and global challenges. Till now there were only semi-regular meeting.

What is Quad?

  • India, Australia, the USA & Japan came together to collaborate in relief efforts after the Indian Ocean earthquake and Tsunami in 2004. This Tsunami core group formed ‘Quadrilateral Security Dialogue (Quad)’ in 2007.
  • The primary objective of Quad nations is to ensure a free and open Indo-pacific region, which is increasingly being misused by China to its advantage. Quad nations conducted their largest joint naval exercises in 2020.
  • Quad is informally called ‘Asian NATO‘ since it has the scope to become a powerful coalition just like NATO in Europe and North American countries.

Benefits of Quad:

  • Collaboration in defence, maritime security, counterterrorism, and information exchange is highly beneficial to all the Quad nations.
  • Many countries in the world are importing raw materials and goods from China and hence suffered a lot in the pandemic time due to broken supply chains. At present, all the Quad nations have trade relations with China. Quad is a great opportunity to diversify supply chains to reduce dependence on China and to opt for Free Trade Agreements among each other. This kind of economic collaboration is helpful to all the countries involved and also for the global economy.
  • In order to diversify supply chains, Quad nations may help among themselves with the investments to tap the resources. This is very helpful in getting Foreign Direct Investments (FDI). For example, at present Australia has the world’s sixth-largest reserves of rare-earth minerals, which is essential to manufacture smartphones, EV batteries and high-powered motors. China supplies almost 60% of the world’s rare earth minerals. The positive thing is that most of Australia’s are untapped and needs investment to extract the minerals. And by this, dependence on China for rare earth minerals will be reduced. This cooperation is a great opportunity for all the Quad nations to increase exports and to improve the economy.
  • Quad meeting in 2020 included New Zealand, South Korea and Vietnam too, which is signalling towards the Quad-plus coalition.
  • It was announced that financing for Covid vaccines is the top priority for the latest meeting, which is going to be conducted on 12th March 2021. This cooperation is very beneficial to strengthen global health security.

Conclusion:

Quad is a great opportunity to diversify supply chains and to counterbalance China’s aggression. There is a high possibility that some other countries too will take part in it and it may become Quad plus. Quad has the potential to become a strong coalition like NATO in Europe.

Resilience: An important factor to succeed in life

“Kintsugi” an ancient Japanese art that means “join with gold”add flavour to the idea of resilience. Broken pieces of Pottery are glued together with” Lacquer inflected with gold powder “, so that the broken pots emerge with a richness that converts the cracks into beautiful designs.

Humans too can be taught to overcome the effects of trauma and redesign their lives to make it meaningful and friutful. Think about people you know who are successful in their personal and professional lives, we’re they born destinied for success? How do they make reaching goals that most would consider completely unfeasible seem so easy? It’s not fate, instead they all have one thing in common:resilience.The good news is we all have it in us. All we have to do is learn to develop and utilize it. Some call it histle, moxie or gaint. In the military we called it “intestinal fortitude”.It’s the ability to overcome adversity, learn from it and push to the new heights. And it’s what separated the successful from the defeated.

Psychological Resilience

It is the ability to mentally or emotionally cope with a crisis or to return to pre crisis status quickly. Resilience exist when the person uses ” Mental processes and behavior in promoting personal assets and protecting self from potential negative effects of stresses”.In simpler terms, psychological resilience exist in people who develop psychological and behavioural capabilities that allows them to remain calm during cries/ chaos and to move on from the ancient without long term negative consequences. Resilience is an individual’s capacity to cope with, adapt to, and recover from situation of adversity. This ability varies from person to perform, is influenced by biological, social and environmental factors and can be taught and embibed through right training and skill development. Students can develop tools to learn to deal with adverse life situation.

When people are faced with an adverse condition, we are told there are three ways they may approach the situation.

1.erupt with anger

2.Implode with overwhelming negative emotions, go numband become unable to react.

3.Simply become upset about the disruptive change.

Those three reactions, however are not the only responses to an adverse situation. For instance, the most resilient persons are able to isolate themselves from the immediacy of the specific adversity that has arisen and accept it is just one of the events that occur. It is neither as such good or bad they are able to stand to see how a situation could be turned to their advantage and how that can be achieved. They do not become emotionally involved with the situation, an event has occured and it needs to be dealt with.

10 ways to build resilience

1. To maintain good relationship with close family members, friends and others.

2.To avoid seeing cries or stressful events as unbearable problems.

3. To accept circumstances that can not be changed.

4.To develop realistic goals and move towards them.

5.To take decisive actions in adverse situations.

6.To look for opportunities for self discovering after a struggle with loss.

7. To develop self-confidence.

8. To keep a long perspective and consider the stressful event in a broader contest.

9. To maintain a hopeful outlook, expecting things and visualising what is wished.

10. To take care of one’s mind and body, exercising regularly, paying attention to one’s own needs and feelings.