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Introduction:
Education can act as a powerful tool for reducing poverty and unemployment and achieving a sustained human development. When we compared our country education with other developed/developing country, the education in our country is not suitable to the current situation/practical life. All over the world governments are strictly follow the procedure of generating libraries along with schools, colleges etc. because the emperor Napoleon said the “Build up libraries otherwise we would build up prisons”.Generally in all the countries are understand the importance of higher education. In 1980s American president Ronald Regan take several steps to improve the higher educations. In a survey, among the 10 world’s best universities, 9 universities are situated in America. Most of the countries are including the basic education as a human right. In our India itself the education quality in corporation schools and private institutions are having huge differences. For instance the education system in institutions like IIM, IIT is differing from other institution. IIM an IIT institutes students are having more future benefits like employment, salary etc. rather than the other institutes. The syllabus difference between Tamilnadu and Kerala. We can give much more examples to prove in equality in our education system.According to human resource development department report in our India only 77% of the students pursuing their higher secondary studies. In which 61.6% of the students stop their studies in between of higher secondary. The total no. of schools, colleges is increased slightly when compared to previous years but the education quality is down fall. Even though the students well educated they can’t able to get a job because of non practical syllabus in many education institutions. It is the right time to introduce the “education revolution” through uniform education.Uniform education:In current situation only the richest students are able to get quality education in metric and private schools. The government of Tamil Nadu going to introduce uniform education system in eliminates the in equality in education. In 1960′s Gothari commission insist government of India to introduce uniform education in every states and also the committee stressed to increased the allocation of finance to the education with that committee’s recommendations the government of India introduced “Sharva Shiksha Abiyan”. But the result is not up to the level. The Government of Tamilnadu comes forward to introduce the uniform education with the recommendation of Muthu kumaran committee. Uniform education will reduce the burden of the school children through reducing the no. of books and notes and also. It will make pull stop to the indirect collection of amount from the children by way of using text books. It is the good thing in one side but in other side the quality of government school not up to the mark of private schools.Uniform education’s other important content is crating or building near by schools to children’s. But the government of Tamil Nadu doesn’t give any matters regarding the nearest school systems. The Government of Tamil Nadu also failed to include the medium of instructions as Tamil. Because Mr.Muthukumaran committee strongly stressed about providing of education in the mother tongue. The education minister also failed to include the very important content of uniform education is appointing sufficient no. of teachers to each children in the Government Schools.Recommendation:From the point of view of us and also from the point of view of experts, we wished to suggest. Some recommendation and we expect something from the Tamil Nadu education minister to develop the rural children education rate.1. The Government must develop the infrastructure facilities. The Government schools are not having enough infrastructure facilities like in private schools.2. It most of the rural schools the teacher student ration in too low (5 classes: 2 teachers). Merely introducing common syllabus we can’t expect uniform education development in all schools. The state Government should came forward to allocate more finance to the education development.3. Most of the politicians like PMK leader Ramadoss expect the State Government should come forward to provide LKG & UKG education to all the rural students. Because, all the urban area students are going in the Ist standard after completing these courses. But most of the rural students are joined with out these courses. So far four committee are arranged to analyze Indians education position. All these committees are recommends one thing severally that is “nearby schools with mother tongue common schools”.4.A childe should get its education with out going long distance. For that Government should construct more no. of schools in rural areas. So for the Government didn’t explained about the nearby schools construction.5. Government school teachers are getting more salary than the private school teachers. But the pass percentage is too lower than the private schools. Government didn’t give more attention to praise the teachers and also punishing then when they are mislead.6. Every year Chennai Municipality receives Rs. 70 crores as education tax. As per I April 2009 situation the idle amount is Rs. 120 crores with his amount the Chennai municipality can improve the 250 corporate schools to star category. Government should concentrate on spending collected amount towards school education development.7. Even though the Government schools are giving free lunch, no fees, free uniforms and free text books, still most of middle a low class peoples are interested to get the appoint form the private schools. The Government should give been attention towards this actions it should find the reason.8. Most of the rural students are stopped their education in between (nearly 70% of the students stop their education with in 10th STD) classes. The reason is poverty and also the schools infrastructure education plan, test formation and also job opportunity from the education. The Government should try to change the education system of our state. The every student should be assured with job opportunity.9. According to latest report from 1000 students only 50-60 students are having the capability of getting jobs. It arises due to non job relevance syllabus and also lack of library facilities in our schools. So the Government should increase the library facilities in each & every schools.Conclusion:Uniform education system may create an education revolution in Tamil Nadu and it will scatter over all the states. The Government also will make keen attention towards the education system in our country. We hope the uniform education syllabus will reduce the imbalance between the rural student’s knowledge and urban student’s knowledge. It is the time to create education revolution in our country. We believe our state forward its first foot step to wards education revolution. In uniform education, common syllabus is one of the foot step, still there are many foot steps are inform of us we have to cross them in order to get a quality education and also to provide quality education to our state students. Government may do and God will help them.

As clinical providers seek ways to improve the health of their patients at the population level, one great resource that they should tap is their county health department. There are many resources and skills that health departments will share with physicians and other providers that will improve their ability to improve the health of their patients.In my work I have had numerous occasions to collaborate with the chief epidemiologist of the Kent County Health Department of Michigan-Mr. Brian Hartl. Through these contacts and through an introductory epidemiology course I have found that health departments are experts at providing population level health services. This is in contrast to most clinical providers who excel at working with their patients on a face-to-face level. Both staff of physician offices and staff of health departments are concerned with the health of individuals and groups of people.Clinicians most often work with individuals during face-to-face encounters. They treat the disease or injury of an individual one at a time. For instance, if a physician is treating a patient with hypertension, she will plan a course of treatment with the individual in mind. If the physician considers the population level in her work, then she is looking at how the treatments and instructions that she provides affect a group of her patients. For instance, she may consider how effective she is in treating her patients with hypertension collectively.The patients of a county health department are the population of the county. Only in a few instances do health departments treat individuals one at a time. Much of their work would not be considered clinical interventions. However, their work does affect the population as a whole. For instance, health departments are responsible for seeing that food at restaurants is handled and cooked correctly. Health departments track reports of communicable disease to identify potential clusters or outbreaks, such as measles, in order to mobilize the community and physician groups to respond and prevent further transmission.Can these two health groups benefit each other in improving the health of their patients and, if so, how? I recently interviewed Brian Hartl about this and he shared some thoughts that I believe can help clinical providers do a better job. As an expert in population level health, Mr. Hartl sees much of his work as preventive in nature. In the emerging world of population level medicine it is important for physicians and other clinical staff to focus on prevention too-prevention of chronic diseases worsening for patients, such as prevention of patients diagnosed with prediabetes advancing to diabetes, and prevention of teen patients from misusing alcohol and other drugs, including tobacco. The Kent County Health Department has many resources that can help physicians achieve their goal and would be very willing to collaborate with clinical groups. In fact, KCHD currently has a grant whose funds can be used to improve patient opportunities for chronic disease prevention, risk reduction or management through clinical and community linkages.Mr. Hartl believes there is potential to work together with physicians to establish a system for prescribing healthy living activities and lifestyles as non-clinical interventions for the prevention/management of chronic disease. For instance, the Kent County Health Department is actively engaged in helping communities develop walking paths in underserved areas in the City of Grand Rapids. He thinks that patients with chronic diseases can greatly benefit if they became more active by walking. He is willing to share maps and information about the location of such paths so that a physician can prescribe a walking agenda for a patient and then point them to nearby paths that they can easily access.The Kent County Health Department is also engaged in working with community partners to bring fresh foods to locations in the county where access to fresh fruits and vegetables is difficult. These are known as ‘food deserts’ and often only have retail food stores that are ‘quick markets’ that have only boxed food, such as those found in many gasoline stations. His group is working with such retailers in the community to overcome the barriers to providing fresh foods. Mr. Hartl is willing to share with physician groups the locations of fresh food sources in the community so that clinicians can inform their patients of the locations and improve their food lifestyles.These are just two examples of information that the health department is willing to share with clinical groups so that their patients can achieve healthy, active lifestyles. Besides information, health departments also have community contacts that could be useful. For instance, the Kent County Health Department works with the YMCA of Greater Grand Rapids, which has a nationally recognized program (the Diabetes Prevention Program) that helps prevent individuals diagnosed with prediabetes from becoming diabetic. The health department also has links with community educators, the Grand Rapids Urban League and prevention groups that focus on the prevention of the misuse of alcohol and other drugs.As you can see there are many resources that are available from health departments. Will it be beneficial to clinical providers to access these resources? I believe that accessing these resources will help physicians and other clinical providers greatly improve the quality of life of their patients. Also, it will help in improving the outcomes of patients at the population level. This is very important for groups that have risk-based contracts with private payers and for those who serve patients who are covered by Medicare. According to an article in Modern Healthcare dated January 16, 2015, about 40% of all private payer contracts are incentive based now; those with such contracts need to focus on population level health.There is a treasure of information at the health department for patient-centered medical homes that have patient care coordinators. One of the responsibilities of these coordinators is inform their patients of community resources that would be useful to them. The health department is an excellent source of such information.The goals of healthcare providers remains to provide safe and high quality care to their patients while their management staff work to improve the bottom line. With the rise of risk based contracts that dictate managing care at the population level, I believe that county health departments can do a great deal to help providers meet their goals.

There’s no question that the financial crisis and ensuing credit crunch have made it more difficult than ever to secure small business financing and raise capital. This is especially true for fast-growth companies, which tend to consume more resources in order to feed their growth. If they aren’t careful, they can literally grow themselves right out of business.Amidst all the gloom and doom, however, it’s important to keep one thing in mind: There are still options available for small business financing. It’s simply a matter of knowing where to look and how to prepare.Where to LookThere are three main sources you can turn to for small business financing:Commercial Banks – These are the first source most owners think of when they think about small business financing. Banks loan money that must be repaid with interest and usually secured by collateral pledged by the business in case it can’t repay the loan.On the positive side, debt is relatively inexpensive, especially in today’s low-interest-rate environment. Community banks are often a good place to start your search for small business financing today, since they are generally in better financial condition than big banks. If you do visit a big bank, be sure to talk to someone in the area of the bank that focuses on small business financing and lending.Keep in mind that it takes more diligence and transparency on the part of small businesses in order to maintain a lending relationship in today’s credit environment. Most banks have expanded their reporting and recordkeeping requirements considerably and are looking more closely at collateral to make sure businesses are capable of repaying the amount of money requested.Venture Capital Companies – Unlike banks, which loan money and are paid interest, venture capital companies are investors who receive shares of ownership in the companies they invest in. This type of small business financing is known as equity financing. Private equity firms and angel investors are specialized types of venture capital companies.While equity financing does not have to be repaid like a bank loan, it can end up costing much more in the long run. Why? Because each share of ownership you give to a venture capital company in exchange for small business financing is an ownership share with an unknown future value that’s no longer yours. Also, venture capital companies sometimes place restrictive terms and conditions on financing, and they expect a very high rate of return on their investments.Commercial Finance Companies – These non-traditional money lenders provide a specialized type of small business financing known as asset-based lending (or ABL). There are two primary types of ABL: factoring and accounts receivable (A/R) financing.With factoring, companies sell their outstanding receivables to the finance company at a discount of usually between 2-5%. So if you sold a $10,000 receivable to a factor, for example, you might receive between $9,500-$9,800. The benefit is that you would receive this cash right away, instead of waiting 30, 60 or 90 days (or longer). Factoring companies also perform credit checks on customers and analyze credit reports to uncover bad risks and set appropriate credit limits.With A/R financing, you would borrow money from the finance company and use your accounts receivable as collateral. Companies that want to borrow in this way should be able to demonstrate strong financial reporting capabilities and a diverse customer base without a high concentration of sales to any one customer.How to PrepareRegardless of which type of small business financing you decide to pursue, your preparation before you approach a potential lender or investor will be critical to your success. Banks, in particular, are taking a much more critical look at small business loan applications than many did in the past. They are requesting more background from potential borrowers in the way of tax returns (both business and personal), financial statements and business plans.Lenders are focusing on what are sometimes referred to as the five Cs of credit:o Character: Does the company have a strong reputation in its community and industry?o Capital: Lenders usually like to see that owners have invested some of their personal money in the business, or that they have some of their own “skin in the game.”o Capacity: Financial ratios help lenders determine how much debt a company should be able to take on without stressing the finances.o Collateral: This is a secondary source of repayment in case a borrower defaults on the loan. Most lenders prefer collateral that is relatively easy to convert to cash, especially equipment and real estate.o Conditions: Conditions in the borrower’s industry and the overall economy in general will play a big factor in a lender’s decisions.Before you meet with any type of lender or investor, be prepared to explain to them specifically why you believe you need financing or capital, as well as how much capital you need and when and how you will pay it back (if a loan) or what kind of return on investment a venture capital company can expect. Also be prepared to discuss specifically what the money will be used for and what kind of collateral you are prepared to pledge to support the loan, as well as your sources of repayment and what measures you will take to ensure repayment if your finances get tight.You should also ensure that your financial statements and records are current and that your internal control systems are adequate for handling the level of accounting and bookkeeping lenders and investors expect.

Everyone needs a vacation every now and then but most people are concerned about cost. Regardless of the duration of your travels it can become quite expensive. Both expected and unexpected costs tend to accumulate quickly. Plan ahead, create a budget and consider the following tips to help save you money every time you travel.Book aheadBooking ahead can end up saving you quite a bit of cash. Browse ahead of time online to find the best deal and book before prices start to go up. Compare costs online to get the best deal. You may be able to receive a discount by booking early and won’t have to worry about losing out on the flight. Also check if there is another airport within a reasonable distance and compare costs. Often flying out of a less convenient location can end up saving you big.Be flexibleTry booking last minute. As long as you don’t mind where and when you go, booking last minute can save you a tonne of money. If you’ve already booked your flight, be willing to give up your seat. Sometimes a flight gets overbooked and giving up your seat usually qualifies you for some sort of discount, perks, or even a free flight.Plan aheadPlan and book all accommodations and activities ahead of time to ensure staying within your budget. By finding hotels last minute and doing everything on a whim you will end up blowing your budget and paying more than necessary. Knowing what you are paying for and what to expect ahead of time is key to staying on budget.Pack LessMost airlines charge a fee for checked baggage. Check ahead with airlines to find what their baggage allowance is and don’t exceed the limit. Be realistic and pack only the essentials to save money on your trip. No one wants to lug around a tonne of luggage on their vacation anyway.Browse flightsOvernight and early morning flights are often cheaper. If you don’t mind adding a few hours to your travels and would like to save then compare the costs of direct and non-direct flights. Non-direct are often quite a bit cheaper than direct flights.Bring everything you need with you rather than purchasing items at the airport or on the plane. Standard items for sale in an airport are going to cost you a lot more than they would at home. Bringing your own reading material and snacks will save you money.Compare the costs of car rentals – renting a car right from the airport is convenient but that convenience is going to cost you. Compare airport car rental costs to that of a car rental not on location. You can save a tonne of money just by picking it up a bit further away.Staying in hostels is also a great way to save money while travelling. If you’ve never stayed in a hostel you may be hesitant, but hostels have everything you need for a comfortable nights stay and are a lot cheaper than hotels. Stay in a hostel rather than a hotel and you will save huge.Stick to your budget and follow these tips to save on your future travels.

Surveys have proven that the number of applicants for payday loans is growing by the day. It is important to understand how the whole concept of short term credits works before making an application. Short term credits are issued on a short term basis usually between 14 – 30 days. Other names that are used to refer to payday loans include check loans, cash advance and salary advance loans.It’s understandable that once in a while everyone is going to run into financial obstacles that might necessitate temporary funding assistance in the form of short term credits. There’s nothing wrong with needing such a loan a few times in your life. The problems with this form of financing arise only when people become reliant on it and constantly are taking out loans that include hefty interest payments in relation to the time period and amount of the loan. Think over all of these factors before taking the next step and actually applying for a loan.You’ve Applied; What Next?Once you successfully apply for a short term credit, the amount plus interest is deducted on your next pay check. In situations where you fail to repay the amount as required, you can roll the loan over by paying additional fees to the lender along with the interest accrued over the roll over duration. Loan sharking is yet another terminology used to refer to the payday loans.In most cases, people opt for payday loans because of necessity. There are certain situations when emergencies arise, which require urgent financial solutions. It may not be easy to ask for money from friends and family hence short term credits become a perfect substitute for this.
Venues to Pursue a Payday LoanThere are a myriad of payday companies that offer payday loans to their clients. Other than banks and financial institutions, one can make an online application for a short term credit or visit the institution physically. It is possible to make an online application for a payday loan online or visiting the lender physically. The advantage of using the internet is that you can make comparisons of the different offers that the lenders have.There are certain conditions that must be met before a payday loan can be approved:One must be employed with a consistent income.
The applicant must have a checking account.
Applicant must be eighteen years and over.
Applicant should be a resident of the country.
The applicant should earn $ 1,000 every monthThe best time to apply for a loan is Monday to Thursday since you will get the loan the following day. Usually, the loans are approved and credited on business days. If you make an application during the weekend, you should expect the approval and payment to be complete by the coming Tuesday. Therefore, the best time to make a payday loan application is between Monday and Thursday.Approval Loan ProcessIt is important to acknowledge that the approval process for the loan application is extremely fast. It is possible to get the loan within twenty four hours of the application. This is why many people take out short term credits. The company will check out the documents and confirm these figures within a twenty four period. Usually, the data verification system is automated and is named VPN according to the software program. The entire procedure of identity verification and depositing of the funds should take less than24 hours. Some companies deposit the money in less than a day.Average Costs of Payday LoansThe costs of the payday loans vary from one lender to another. Usually, $ 15 to $ 30 can be charged for each $ 100. Therefore, if an applicant borrows $ 100, he or she would have to pay $ 115 to $ 130. Keep in mind that the APR for the payday loan interest can go up to 391%. This should be considered before taking the payday loan.

Garden décor… when post people think of décor, they probably think of the decorations in their living room, or elsewhere in the house. Only a minority of people connect “décor” with gardens and yards.Some people may say that the best way to decorate your garden is with flowers and beautiful plants. And yes, this may be true, but there is so much more that you can do! With the proper garden décor, you can turn your garden into your own personal oasis.Great types of garden décor:· Garden Benches. What is the point of having a beautiful garden if you do not have a good vantage point to see it from? Setting a garden bench in the midst of your garden gives you the perfect place to sit, relax, and watch your garden grow. A garden bench is not only an inviting place to sit, it is also a beautiful visual addition to almost any garden.· Bird Bath. There are many styles of birdbaths available these days. There are birdbaths that suit contemporary styles as well as birdbath that suit more traditional styles, and there are ones to suit any taste and style that falls in between. Not only do birdbaths themselves add beauty to your garden, but the birds that they attract add beauty, as well.· Water Fountain or Pond. Water has many soothing qualities — even the look and sound of water can be soothing. Placing a fountain or a pond in your garden will transform your garden into a mini oasis. You will love coming home from a hard and stressful day of work and sitting near the peaceful sounds and sights of your garden water feature.· Garden Statues. Garden statues come in many different varieties. You can find garden statues that add humor, elegance, sophistication, or whimsy to your garden. Indeed, you can find a garden statue to suit any gardener’s taste, whether you want to place and hide bunny sculptures throughout your garden, or whether you want a funny garden gnome.· Lights. There are many different ways to light up your garden at night. And why shouldn’t your garden be lit up at night? There is no reason that you should not be able to enjoy the beauty of your garden at any time of day or night.These are just a few types of garden décor that you should consider adding to your garden. Adding garden décor to your garden is like adding a beautiful frame to a painting – it enhances it. Sure, your flowers and other plants are still the main event, but the right garden décor can really make your garden unique and beautiful.