Quality Education Fund General Guidelines On Management: Fill & Download for Free

Subsidised, Quality Education.Sure we do have government funded public schools where the ones not financially well off can go for primary education, but I live nearby such a primary school, and I am telling this from personal experience. The quality of education provided there is really abysmal. Most of the children come there for the Midday Meal Scheme. Who can blame them. The teachers (not all) seem least interested in imparting any knowledge to their students. Children studying in the 5th and 6th grades cannot do a simple addition. If we are spending taxpayers money on providing food and education to the poor, the least we can do, is assure that the education provided has some application later in life.Grassroot Reservation.So, the fees for the form of IIT or other JEE examination is X for the general castes, and X/2 or X/3 for the reserved ones. Strangely enough when it comes to admission in private schools whose quality of education is better than the government ones, the cost of the form is Y for all of them. Essentially we are applying a scheme whose tagline can be summed up as,"Keep them uneducated till they grow up. Later we will put them into some government college based on their caste."The government should make an endeavour to educate the so called backward class right from the grassroot level, so that later on they don't need the assistance of reservation to get into a respectable university. Private schools may be coerced to admit children who cannot afford that education at a subsidised rate.Stringent Guidelines.The worst part about reservations in India is their abuse. I have seen people who are filthy rich getting into reputed colleges and getting almost free education, while the actual poor are still washing cars and cleaning homes. Although there is a premise which says that communities are entitled to reservation only if they don't belong to the Creamy layer. But this is being wildly abused. Mostly due to the fact that non-government employees and businessman can hide their actual income from the government as pose off as rich family owning a BMW. Stringent guidelines and rules should be followed which warrant that anyone not rich enough to afford an education may be provided one regardless of their caste.Personal Motivation.Although this is always a call of self conscience, the government can attach some benefits to it so that it appears more lucrative to the common eye. For example, students in colleges might be offered scholarships if they volunteer to teach poor children for free. Similarly, teachers and professors may be paid overtime, to visit primary schools from time to time, and not only help with the teaching, but also keep an eye on the teachers employed there.Societal Development.Let us for a moment think why this reservation system is still so sought after. To get into better colleges, and then to get better jobs. But who decides which job is good and which is not? Whom to respect and whom to tarnish?The society. It's high time we stop looking down of other professions and treat them as equals. When the day comes that a bartender and a CEO will be respected equally, that day, no one will vouch for reservations.While reservation were improvised to eradicate the caste barrier, it has somehow managed to enhance it. Students in schools and colleges grow up with an inherent hate for the backward classes because they "steal" their seats in reputed colleges. As Rahul Revu suggested, the reservation system has decreased the number of inter-caste marriages for people fear that this might jeopardize their reservation privileges. So, in essence, this system has been more of a bane than a boon upon both the backward and the other castes.

I think I can shed a little light on the question as I have a few degrees in investing and finance and head operations at a large quantitative investment fund (www.quantiacs.com) and managing risk is absolutely core to our business model. Needless to say, everything here is personal advice and does not reflect the opinions of any organization. Of course nothing in the answer below should be construed as any kind of professional investment advice. Obviously, if you’ve recently come into a large amount of money, the best investment you could possibly make is to park it in a savings account while you find a financial advisor you like that works on a flat-rate fee (DO NOT work with a financial advisor who takes a % management fee OR one who is incentivized by commissions )First and foremost: Risk tolerance is, by definition, a personal psychological attribute for which there is no ‘formula.’ Gauging from the phrasing of your question, it seems you’d be more interested in general guidelines. But I should be clear that this clearly depends greatly upon your personal financial situation, income, residence, family obligations, debt obligations etc. etc. Here is a start:The young can and should generally take more risks than the old. (you don’t want to loose a big chunk of your retirement savings days prior to retiring )Always set aside a rainy day fund of 6–12 months of living expenses in cash in a savings account. Then set aside Investment and Risk Capital.Always pay off all debt greater than market returns. -Typically this is all debt other than your mortgage and other very low interest loans. The interest cost of Debt (eg. credit cards, student loans etc) is almost invariably greater than average market rates of returnAlways diversify: Across Assets and asset classes. This is so important that i’ll throw in a few subcategories. For the following, I’ll assume you are young or middle-aged, educated and financially stable (AND that you don’t want to actively manage your investments).If you much prefer not to deal with the emotional roller-coaster that the stock markets often bring, then stick with stable income-producing investments like residential real estate, Large-cap dividend funds, etc. heck, if you’re talking 7 or 8 figures: consider tax-free muni bond funds.If you actually want to grow your capital, then you’re probably looking at the publicly traded markets and higher-risk investments.You want the majority of your equity investments in ETF index funds. (eg those that track the S&P500 and NASDAQ) and ETFs that track growth industries. These will automatically diversify you.You want a smaller chunk of your equity investments in income-producing Dividend Stocks/Funds/Public Partnerships and maybe some bond funds.If you are talking about high 6 or 7+ figure dollar amounts, you want a chunk of your net risk capital in alternative investments, Precious metals, maybe some small-cap stocks and probably a diversified portfolio of quality Cryptocurrencies.Don’t invest more than you can afford to loose in anything with greater-than-market risk levels (eg. penny stocks or crypto alt-coins)Also consider investing in an industry that you know well or follow closely. We too often forget that each of us often has an edge in segments we know well.Feel free to message me if you need further consultation.

(I have personal knowledge of Government Schools; I studied there till Class XI; There are a few teachers in our family; After retirement, I took Free classes for students in the local Government School for two years.)The answer could be Yes and No.Government schools are managed by the respective State Government.The priority for improving Government Schools may not be same in different States.And the contribution/participation of the people concerned with the issue:# Minster of Education, in respect of Govt Schools# Secretary and other Secretariat Staff# The Officials who are Divisional/District Educational Officers# The Head Master/Head Mistress and teachers of the Schools# The Parent- Teacher Associations in the Schools# Local opinion leaders/ Gram Panchayat/ Sarpanch.$ The diligence/devotion of the teachers$ $ Trade Unions of Teachers in particular and State Government in general.$ Infra-structure at the School (Does it have well-equipped Laboratories, Teaching Aids, starting with Black Board, toilets, play ground, Noon Meal centre, thatch/roof: leak-proof?)$ The efforts put to “indegenise” (i.e making changes the general guidelines, issued by Central Government to suit the ecosystem.$ The participation/involvement of the old students of the SchoolTake time to re-read the long list of factors relevant to the improvement.(You may find some more can be added from your knowledge)Every reader can apply these to the school he has information of or concerned about. One can even assign marks for each category and see the Total. One can compare two or three schools and will be dumb-struck by the individual scores and Aggregate in some cases.Having said all this: Let us consider where should the ‘improvement’ start?It will and should differ from one school to another.So, what is required to be done?Changes should start at multiple points: One at the Minister-Ministry level, goading the intermediate level officials to work focussedly on the “improvement” And (2) at the School level: PTA can carve out a working group, to ensure the funds received from Government are correctly spent for the purpose on the one hand and at the same time, inculcate the students and teachers to make it a mission to “improve” in as many areas possible.