Banks

Introduction of Banking

The word ‘bank’ is derived from the Italian word ‘banco’ which means accumulation of money of stock. Bank refers to those institutions which are established under law for dealing with monitory transactions. It means those institutions are treated as banks which accepts deposits of public and grant loans to the needy person or businessmen and nowadays bank provides debit cards, credit card, telebanking service  and ATM services.

Child Labour & Work

Child Labor and Child Work

Children are engaged in wide variety of works. The conditions and nature of their work vary from occupations where children are able to develop responsibility

and skills, and combine work with schooling, to conditions of extreme hazards and exploitation. The extent to which work is harmful or beneficial to children depends on number of factors. A distinction is therefore necessary to be made

between “Child Labour” and “Child Work”.

Child Labour

Domestic Child Labour

Domestic child worker is common and wide spread phenomena in Nepal. The subsistence Economic can hardly support people for their live hood. The rural people send their children to the urban centre hoping their better future on the one hand and for earning money to support their family on the other. Thus domestic child labour is not only problem of an individual or a family but also the problem of the society.

Historic Dharahara tower collapses

Historic Dharahara tower collapses in Kathmandu after earthquake

Who thinks there will no more Dharahara. We were keep get warning from last few years and also prepared but still didn't act as we trained or practiced. We practiced a lot how to protect ourselves and what to do if earthquake happen ? But still remember as same old person who start to run for life.

Oregon State of University

Oregon State University is the best place to utilize your summer vacation. Where you can use your summer vacation at productive works bye taking classes to complete the courses. YOu can use you 1st week of summer to last 11 week summer to
split the courses and complete it.

Summer is one of the nice season to start work or planning to do something new. Summer is a time for colourful season. So, you can use your summer season to complete courses for the Oregon State University.

Liberty University

Liberty University is one of the largest private and non profit University at the states. It is one of the largest University at Vargina and The largest christian University of the worlf. Liberty University is situated at the Blue Ridge Mountains occuping with more than 7000 acres land in Lynchburg of Vargina. Currently this University is providing more the 450 program at the certificate to the doctrate level.

Kendal College

Kendal School is one of the best school to preparing for projects. It also helps to build up further training and advance courses and classes. Kendal School have consultants from one of the popular university named Cambridge College. This school is situated at the Lake Region National Park. Schools provide more than 4000 understudies courses and

Ross University

Ross College, established in 1978, is a revenue driven school offering the Specialist of Prescription and Specialist of Veterinary Medication degrees. The Institute of Prescription is situated in Dominica, with clinical instruction focuses in Miramar, Florida and Saginaw, Michigan.

Ashford University

While a greater part of understudies are enlisted in online courses oversaw from the University's central command in San Diego, California, Ashford's conventional grounds is situated in Clinton, Iowa. The 24-section of land (9.7 ha) grounds is about a half mile (800 m) from the Mississippi River and about a mile (1,600 m) north of Highway 30. The most outstanding expanding on grounds is St. Clare Hall, which has served as the Mount St. Clare Convent, Novitiate,

Harvard University

Harvod University is sitauted at around 3 miles west-northwest of State House in downtown by occuping the space of 85 ha for its fundamental grounds in Harvard Yard in Cambridge. It is also near to Harvard Square neighborhood. In Harvard yard we can visit the focal regulatory workplaces and main libray of the College. It includes the Server Hall,

AC/DC Shake Coachella With First Show in Six Years

Still listening Ac/DC. Hope you guys loves rock N roll, AC/DC singer Brian Johnson told the crowds that's because that's all we do last night. These guys are running and performing 20 songs at the Coachella Valley Music and Arts Festival in Indio, California. They

Wentworth Institute of Technology

In 1903, Boston specialist Arioch Wentworth left the main part of his home, assessed at $7 million, with the end of goal of establishing a mechanical school inside the city. According, a leading body of seven chief'd fused Wentworth Institute on April 5, 1904, as a school "to outfit instruction in the mechanical arts." The executives put in quite a while researching the instructive needs of the group and expanded the enrichment - just $ 3.5 million at the time and came to a settlement with Wentworth's girls, who had challenged his will. The ground was created in Boston's Back Bay Fens, and Arthur L. Williston was established as the first main of the school.

On September, 1911, Wentworth opened its entryways as a specialized school to 242 understudies. The school immediately picked up enlistment and by 1919, it had 1,800 understudies in day and nighttime programs and 45 teachers. In 1953, Wentworth named its first president, H. Russell Beatty. Wentworth turned into a degree-giving organization in 1957 and started recompensing its first baccalaureate-level degrees in 1970. Wentworth transformed from a suburbinate school to a private grounds in the 1960s with the expansion of a few home lobbies.

In 1972, the Institute let it out's first female understudies. By 2005, ladies spoke to 21% of the scholarly populace. In 1973, Wentworth educators unionized to join the American Federation of Teacher's and on October 28,1977, the instructors of Wentworth went to strike. Before 1977, the school's lower and upper division worked as two different schools; in that year these schools combined and the Wentworth Institute of Technology was made. With affirmations numbers developing, Wentworth extended by getting the Ira Allen School building from the city of Boston in 1980 and the previous Boston Trade High School in 1983.

Significant remodels to the third floor of Annex Hall were instituted in 1989 at an expense of $1 million to include design studios and offices. After remodel, Wentworth picked up accreditation a couple of five-year building projects to the eductional program: electro mechanical designing and ecological science. IN 2002, these projects got beginning accreditation from the Engineering Accreditation Commission.

In 2001 and 2005 Wentworth opened new living arrangement corridors with 473 and 360 beds individually, closure Wentworth's status as a dominant part worker school.

On June 8, 2005, Zorica Pantic was reported as Wentworth's fourth president. She expected office on August 1, 2005, as the first female specialist to head and establishment of innovation. Her inauggural service was hung on April 5, 2006.

In November 2009, Wentworth turned into a Master's degree-giving foundation, with the creation and accreditation of its Master of Architecture (MAR) program-mes. 

University of Michigan

The University of Michigan (Um, U-M, UMich, or U of M), regularly alluded to as essentially Michigan, is an open exploration college situated in Ann Arbor, Michigan, United States.Established in 1817 in Detroit as the Catholicism, or University of Michigan, 20 years of prior to the Michigan Territory authoritatively turned into an express, the University of Michigan is the state's most seasoned college, The college moved to Ann Arbor in 1837 onto 40 sections of land (16 ha) of what is presently known as Central Campus. Since its foundation in Ann Arbor, the college grounds has extended to incorporate more than 584 noteworthy structures with a consolidated range of more than 34 million gross square feet (781 section of land or 3.16 square km), and has two satellite grounds situated in Flint and Dear-born. The University was one of the establishing individuals from the Association of American Universities.

Considered one of the principal exploration colleges in the United States, [7] the college has high research action and its through graduate projects offer doctoral degrees in the humanities, sociology, and STEM fields (Science, Technology, Engineering and Mathematics) and also proficient degrees in prescription, law drug store, nursing, social work and dentistry. Michigan's collection of living graduated class (starting 20120 contains more than 500,000. other than scholastic life Michigan's athledtic groups content in Division I of the NCAA and are by and large known as the Wolverines. They are individuals from the Big Ten Conferences. 

University of Białystok

College of Bialystok was opened on June, 1997. The University was built as a consequence of a change of the Branch of University of Warsaw in Bialystok following 29 years of its presence. In addition to variety of other things, the University owes its verifiable position in the nation to the certainty it was built by University of Warsaw - the greatest Polish University, perceived around the world.

13,095 understudies have moved on from University of Bialystok. At present 15,034 understudies learn at customary day by day, extramural, evening, licencee, and in addition outside and post graduate learns at the University.

Taking after the standards of organization and common backing the University creates examination joined with the subject of borderland, co-works with exploratory foundations of Lithuania, Belarus, Ukraine and Russia and inside European exploration projects, satisfies regular endeavors with western accomplices, For example, France, Germany United Kingdom, United States of America and the Netherlands.

The University has a branch in Vilnius, Lithu.

Biblical College

The Early Honors Program is both a distinct option for the senior year in secondary school and a testing springboard into school. Amid both semesters, Early Honors understudies select in a typical college level educational module which is planned to fulfill the senior level prerequisites of the Anchorage and Mat-Su School Districts. Contingent upon the understudy's remaining necessities, they will have the chance to choose courses from the Alaska Pacific course list significant to their scholarly investments. The Fall Block begins off the Early Honors program with Critical Thinking. Understudies move into the Session in late September and completion their semester by mid-December. Huge numbers of the understudies choose to partake in the Study Abroad alternative for the Spring Block however choices are accessible on-grounds. The Spring Session starts in ahead of schedule February. The Early Honors project is vigorously advanced inside Anchorage and secondary school understudies are extremely conspicuous on grounds and in classes.

Grounds students regularly exploit Active Learning, Personal Attention, the Block and Session framework, Journeys, Travel Courses, the Eco League, and the Senior Project. Grounds life is dynamic and changed, and the Outdoor Program opens the way to Alaska enterprise for all understudies. This soul of enterprise and test exists in all scholastic zones — Business, Psychology, Earth Sciences, Education, Environmental Science, Liberal Studies, Marine Biology, Environmental Studies, and Outdoor Studies.

Gold country Pacific University offers nine diverse graduate projects including: Master of Arts (MAP), Master of Business Administration (MBA), MBA in Information and Communication Technology (MBAICT), Certificate of Graduate Studies in Investments, MBA with a focus in Health Services Administration (MBAHSA), Master of Science in Environmental Science (MSES), Master of Science in Outdoor and Environmental Education (MSOEE), Master of Science in Counseling Psychology (MSCP), Certification Only - Option Program (CO-OP), & Master of Arts in Teaching (K-8) (MAT). At Alaska Pacific, graduate understudies ought to keep up at any rate a 3.0 GPA. Great time administration aptitudes, being centered and industrious are just as essential. Maybe the most imperative quality is the capacity to build great working associations with your kindred understudies, workforce and temporary position guides. Numerous classes are cross-recorded, importance classes are comprised of graduate, undergrad and Early Honors understudies. No graduate particular classes are advertised.

Grown-up Undergraduates can exploit the numerous degree alternatives intended for occupied grown-ups. The degrees accessible to grown-up students try to fabricate a competency base applicable for expert professions in Accounting, Business Administration and Management, Health Services Administration, Human Services, and K-8 Education. Grown-up Undergraduates can finish these degrees on-grounds at night, on the web, or a mixture of both. APU built up an existence benevolent calendar for their Adult populace. Amid a 15 week semester most 3 credit hour courses are offered in two 7 week modules and 4 credit hour courses keep going for 11 weekThe Early Honors Program is both a distinct option for the senior year in secondary school and a testing springboard into school. Amid both semesters, Early Honors understudies select in a typical college level educational module which is planned to fulfill the senior level prerequisites of the Anchorage and Mat-Su School Districts. Contingent upon the understudy's remaining necessities, they will have the chance to choose courses from the Alaska Pacific course list significant to their scholarly investments. The Fall Block begins off the Early Honors program with Critical Thinking. Understudies move into the Session in late September and completion their semester by mid-December. Huge numbers of the understudies choose to partake in the Study Abroad alternative for the Spring Block however choices are accessible on-grounds. The Spring Session starts in ahead of schedule February. The Early Honors project is vigorously advanced inside Anchorage and secondary school understudies are extremely conspicuous on grounds and in classes.

Grounds students regularly exploit Active Learning, Personal Attention, the Block and Session framework, Journeys, Travel Courses, the Eco League, and the Senior Project. Grounds life is dynamic and changed, and the Outdoor Program opens the way to Alaska enterprise for all understudies. This soul of enterprise and test exists in all scholastic zones — Business, Psychology, Earth Sciences, Education, Environmental Science, Liberal Studies, Marine Biology, Environmental Studies, and Outdoor Studies.

Gold country Pacific University offers nine diverse graduate projects including: Master of Arts (MAP), Master of Business Administration (MBA), MBA in Information and Communication Technology (MBAICT), Certificate of Graduate Studies in Investments, MBA with a focus in Health Services Administration (MBAHSA), Master of Science in Environmental Science (MSES), Master of Science in Outdoor and Environmental Education (MSOEE), Master of Science in Counseling Psychology (MSCP), Certification Only - Option Program (CO-OP), & Master of Arts in Teaching (K-8) (MAT). At Alaska Pacific, graduate understudies ought to keep up at any rate a 3.0 GPA. Great time administration aptitudes, being centered and industrious are just as essential. Maybe the most imperative quality is the capacity to build great working associations with your kindred understudies, workforce and temporary position guides. Numerous classes are cross-recorded, importance classes are comprised of graduate, undergrad and Early Honors understudies. No graduate particular classes are advertised.

Grown-up Undergraduates can exploit the numerous degree alternatives intended for occupied grown-ups. The degrees accessible to grown-up students try to fabricate a competency base applicable for expert professions in Accounting, Business Administration and Management, Health Services Administration, Human Services, and K-8 Education. Grown-up Undergraduates can finish these degrees on-grounds at night, on the web, or a mixture of both. APU built up an existence benevolent calendar for their Adult populace. Amid a 15 week semester most 3 credit hour courses are offered in two 7 week modules and 4 credit hour courses keep going for 11 week

Alaska Pacific University

The Early Honors Program is both a distinct option for the senior year in secondary school and a testing springboard into school. Amid both semesters, Early Honors understudies select in a typical college level educational module which is planned to fulfill the senior level prerequisites of the Anchorage and Mat-Su School Districts. Contingent upon the understudy's remaining necessities, they will have the chance to choose courses from the Alaska Pacific course list significant to their scholarly investments. The Fall Block begins off the Early Honors program with Critical Thinking. Understudies move into the Session in late September and completion their semester by mid-December. Huge numbers of the understudies choose to partake in the Study Abroad alternative for the Spring Block however choices are accessible on-grounds. The Spring Session starts in ahead of schedule February. The Early Honors project is vigorously advanced inside Anchorage and secondary school understudies are extremely conspicuous on grounds and in classes.

Grounds students regularly exploit Active Learning, Personal Attention, the Block and Session framework, Journeys, Travel Courses, the Eco League, and the Senior Project. Grounds life is dynamic and changed, and the Outdoor Program opens the way to Alaska enterprise for all understudies. This soul of enterprise and test exists in all scholastic zones — Business, Psychology, Earth Sciences, Education, Environmental Science, Liberal Studies, Marine Biology, Environmental Studies, and Outdoor Studies.

Gold country Pacific University offers nine diverse graduate projects including: Master of Arts (MAP), Master of Business Administration (MBA), MBA in Information and Communication Technology (MBAICT), Certificate of Graduate Studies in Investments, MBA with a focus in Health Services Administration (MBAHSA), Master of Science in Environmental Science (MSES), Master of Science in Outdoor and Environmental Education (MSOEE), Master of Science in Counseling Psychology (MSCP), Certification Only - Option Program (CO-OP), & Master of Arts in Teaching (K-8) (MAT). At Alaska Pacific, graduate understudies ought to keep up at any rate a 3.0 GPA. Great time administration aptitudes, being centered and industrious are just as essential. Maybe the most imperative quality is the capacity to build great working associations with your kindred understudies, workforce and temporary position guides. Numerous classes are cross-recorded, importance classes are comprised of graduate, undergrad and Early Honors understudies. No graduate particular classes are advertised.

Grown-up Undergraduates can exploit the numerous degree alternatives intended for occupied grown-ups. The degrees accessible to grown-up students try to fabricate a competency base applicable for expert professions in Accounting, Business Administration and Management, Health Services Administration, Human Services, and K-8 Education. Grown-up Undergraduates can finish these degrees on-grounds at night, on the web, or a mixture of both. APU built up an existence benevolent calendar for their Adult populace. Amid a 15 week semester most 3 credit hour courses are offered in two 7 week modules and 4 credit hour courses keep going for 11 weekThe Early Honors Program is both a distinct option for the senior year in secondary school and a testing springboard into school. Amid both semesters, Early Honors understudies select in a typical college level educational module which is planned to fulfill the senior level prerequisites of the Anchorage and Mat-Su School Districts. Contingent upon the understudy's remaining necessities, they will have the chance to choose courses from the Alaska Pacific course list significant to their scholarly investments. The Fall Block begins off the Early Honors program with Critical Thinking. Understudies move into the Session in late September and completion their semester by mid-December. Huge numbers of the understudies choose to partake in the Study Abroad alternative for the Spring Block however choices are accessible on-grounds. The Spring Session starts in ahead of schedule February. The Early Honors project is vigorously advanced inside Anchorage and secondary school understudies are extremely conspicuous on grounds and in classes.

Grounds students regularly exploit Active Learning, Personal Attention, the Block and Session framework, Journeys, Travel Courses, the Eco League, and the Senior Project. Grounds life is dynamic and changed, and the Outdoor Program opens the way to Alaska enterprise for all understudies. This soul of enterprise and test exists in all scholastic zones — Business, Psychology, Earth Sciences, Education, Environmental Science, Liberal Studies, Marine Biology, Environmental Studies, and Outdoor Studies.

Gold country Pacific University offers nine diverse graduate projects including: Master of Arts (MAP), Master of Business Administration (MBA), MBA in Information and Communication Technology (MBAICT), Certificate of Graduate Studies in Investments, MBA with a focus in Health Services Administration (MBAHSA), Master of Science in Environmental Science (MSES), Master of Science in Outdoor and Environmental Education (MSOEE), Master of Science in Counseling Psychology (MSCP), Certification Only - Option Program (CO-OP), & Master of Arts in Teaching (K-8) (MAT). At Alaska Pacific, graduate understudies ought to keep up at any rate a 3.0 GPA. Great time administration aptitudes, being centered and industrious are just as essential. Maybe the most imperative quality is the capacity to build great working associations with your kindred understudies, workforce and temporary position guides. Numerous classes are cross-recorded, importance classes are comprised of graduate, undergrad and Early Honors understudies. No graduate particular classes are advertised.

Grown-up Undergraduates can exploit the numerous degree alternatives intended for occupied grown-ups. The degrees accessible to grown-up students try to fabricate a competency base applicable for expert professions in Accounting, Business Administration and Management, Health Services Administration, Human Services, and K-8 Education. Grown-up Undergraduates can finish these degrees on-grounds at night, on the web, or a mixture of both. APU built up an existence benevolent calendar for their Adult populace. Amid a 15 week semester most 3 credit hour courses are offered in two 7 week modules and 4 credit hour courses keep going for 11 week

University of Alaska Southeast

The University of Alaska Southeast is an open, four year college that is a piece of the University of Alaska System. The primary grounds is placed in Juneau, Alaska and the college has augmented grounds in Sitka and Ketchikan. The University of Alaska Southeast is shortened as UA Southeast, Alaska Southeast, or UAS. 

UAS was created on July 1, 1987 with the rebuilding and combining of the previous University of Alaska Juneau, Ketchikan Community College, and Islands Community College (Sitka). 

UAS is licensed by the Northwest Commission on Colleges and Universities.

University of Alaska Fairbanks

The University of Alaska Fairbanks (UAF) is an open examination college in Fairbanks, Alaska, United States. It is the leader grounds of the University of Alaska System. UAF is an area stipend, ocean give, and space-gift establishment, and it additionally partakes in the sun-award program through Oregon State University. UAF was built in 1917 as the Alaska Agricultural College and School of Mines. It opened for classes in 1922. 

UAF is home to seven noteworthy exploration units: the Agricultural and Forestry Experiment Station; the Geophysical Institute, which works the Poker Flat Research Range; the International Arctic Research Center; the Arctic Region Supercomputing Center; the Institute of Arctic Biology; the Institute of Marine Science; and the Institute of Northern Engineering. Placed only 200 miles south of the Arctic Circle, the Fairbanks grounds' remarkable area is arranged positively for ice and northern exploration. The grounds' few lines of examination are prestigious around the world, most prominently cold science, ice designing, geophysics, supercomputing and native studies. The University of Alaska Museum of the North is likewise on the Fairbanks grounds. 

Notwithstanding the Fairbanks grounds, UAF envelops seven country and urban grounds: Bristol Bay Campus in Dillingham; Chukchi Campus in Kotzebue; Interior-Aleutians Campus, which covers both the Aleutian Islands and the Interior; Kuskokwim Campus in Bethel; Northwest Campus in Nome; and the UAF Community and Technical College in Fairbanks, UAF's junior college arm. Fairbanks is additionally the home of the eLearning and Distance Education, a free learning and separation conveyance program. 

In fall 2013, UAF enlisted 10,214 understudies. Of those understudies, 59.3 percent were female and 40.7 percent were male; 88 percent were students, and 12 percent were graduate understudies. As of May 2013, 1,288 understudies had graduated amid the promptly going before summer, fall and spring semesters.

University of Alaska Anchorage

The University of Alaska Anchorage (UAA) is an open examination college spotted in Anchorage, Alaska. UAA likewise controls four group grounds spread crosswise over Southcentral Alaska. These incorporate Kenai Peninsula College, Kodiak College, Matanuska–Susitna College, and Prince William Sound Community College. Between the group grounds and the principle Anchorage grounds, more than 20,000 undergrad, graduate, and expert understudies are at present enlisted at UAA. This makes it the biggest foundation of higher adapting in the University of Alaska System, and in addition the state. 

UAA's primary grounds is placed more or less four miles southeast of its downtown territory in the University-Medical District, contiguous the Alaska Native Medical Center, Alaska Pacific University and Providence Alaska Medical Center. Settled among a far reaching green belt, near to picturesque Goose Lake Park, UAA has been perceived each of the previous three years as a Tree Campus USA by the Arbor Day Foundation.[1] Much of the grounds is associated by a system of cleared, outside trails, and additionally a hoisted, indoor "spine" that stretches out east to west from Rasmuson Hall, proceeding through the understudy union, and ending inside the Consortium Library. 

UAA is isolated into six showing units at the Anchorage grounds: the Colleges of Education, Health and Social Welfare, Arts and Sciences, Business and Public Policy, the Community and Technical College, and the School of Engineering. UAA offers Master's Degrees and Graduate Certificates in select projects, and the capacity to finish certain PhD programs through coordinating colleges through its Graduate Division.[2] As of May 2012, the college is certify to present doctoral degrees.[3] UAA is authorize by the Northwest Commission on Colleges and Universities.

University of the Virgin Islands

The college has five scholarly divisions: Business, Education, Humanities and Social Sciences, Nursing, and Science and Mathematics. UVI offers different graduate degree and college degree programs. The graduate projects comprise of a Specialist Degree in Education Specialist in School Psychology and the accompanying Masters Degrees: Master of Arts in Education, Master of Arts in Mathematics for Secondary Teachers, Master of Business Administration, Master of Marine and Environmental Science, Master of Psychology and Master of Public Administration. The Undergraduate Degree Programs are separated into a few classes: Bachelor of Arts, Bachelor of Science, Associate of Arts, Associate of Science, and Associate of Applied Science.

Its human sciences educational program is authorize by the Middle States Association of Colleges and Schools. Moreover, the college lives up to expectations constantly and deliberately to enlist nearby, national and global understudies to widen and make a broadened understudy populace, as 94% of its current understudies are locals of the US Virgin Islands.

The college likewise has a few strong[citation needed] scholastic projects under its College of Science and Mathematics. One of these is a 3-2 designing project where understudies go to UVI for a long time and afterward exchange to either Columbia University, the University of Florida, Washington University in St. Louis, or the University of South Carolina (Columbia) to finish the most recent two years of their building studies. After effectively finishing the system, understudies will secure a Bachelor of Science in Applied Mathematics from UVI and a Bachelor of Science in their specialization of designing from the accomplice college.

The college additionally has an early medicinal school determination program with Boston University which manages chose understudies to study for a long time at UVI and after that exchange to Boston University Medical School in their senior year where they are managed the chance to take therapeutic school courses early. The college likewise holds a few National Science Foundation-financed examination concedes and projects including MBRS-RISE, SEAGEP, HBCU-UP, and MARC under its Emerging Caribbean Scientist (ECS) program. The mission of the Emerging Caribbean Scientists projects is to build exploration preparing and advance greatness for STEM (science, innovation, building, and arithmetic) & brain research understudies at the University of the Virgin Islands. The college encourages scrutinize by facilitating examination symposiums each semester where understudies are given the chance to present exploration undertakings directed both generally and abroad, to the UVI staff and the Virgin Islands group.

Abhaya and steam Injuines

Here is some snap shots of treat with cute rock star...

Finally they have found with the help of awesome photographer Tasi Lama.

Having Lunch with Abhaya Subba Weise

Multinational Companies

Origin of Multinational Companies

Multinational business is not a new phenomenon. Many Business firms of the West operated in many parts of the world from the very beginning of the modern era. Multinational business got boost particularly during the colonial era. Business firms of the Western countries focused on each colony's exports and imports on their home countries. Their purpose was to suppress any colonial production that competed with products of the mother country. These colonial-type firms have been extinct since 1960.

During the beginning of the twentieth century, many big-sized business firms emerged in the US, UK and West Europe. Some examples of such firms are Singer Sewing Machine, General Electric, Fiat, Kodak, IT&T, Ciba, Imperial Chemicals, Ford, Nestle, Siemens, and Uniliver. Some of these companies started to invest in overseas manufacturing facilities. Other companies expanded their business overseas. But the rush to operate internationally started during the 1960s. This resulted in substantial direct investment of Western countries in foreign manufacturing facilities. In the 1960s, firms like banks, insurance companies, marketing consultants, and the like expanded overseas. Thus, after 1960s, multinational companies became quite common.

In the 1970s, the pattern reversed. Big business houses of Asian Countries started investing in the Western countries, mainly in the US. As a result, many Japanese, Korean, Taiwanese, Chinese, and Indian companies started their operations in the Western countries. Thus, the most dramatic developments of the 20th century had been the expansion of MNC's across the world.

Today, the presence of MNCs is widespread. Their importance has been growing in the world economy. Really speaking, the MNCs have become the primary engines for globalization of economic activities. It is not surprising, therefore, that the MNCs, as they are called, are seen as one of the major features of the current world economy.

Two cute rockstars

Abhaya and the Steam Injuins are searching these girls from long period. With the help of Social Media, Finally they have found. They both are found and having a treat with Abhaya and the Steam Injuins, as they promised to treat

About Kurt Cobain New Documentary Movie

Did you guys remember song of Kurt Cobain's 1998 mix-tape named "Montage of Heck" 

Here, is the first trailer of that documentary which takes the same name, described as a "No=holds=barred which access to Kurt Cobain's archives. This will lead you to his never=before=seen home movies, recordings, family archives, songbooks and journals."

This is HBO Documentary about Kurt Cobain: Montage of Heck features and dozens of Nirvana songs and performance. Which was never been played before.

There is reports saying that this is the film about an incredible insight into the early life of Kurt Cobain and with his daughter Frances Bean overseeing production. It is truly been made one heck of the reflection of Kurt Cobain life.

Along with this Documentary Movie HBO is planning to issue the books which will contains "a mixture of an animation stills, rare photography and other treasures which belongs to Kurt Cobain's personal archives."

And don't forget to watch mind-blowing performance of 12 minute acoustic Cobain unheard track.

This HBO documentary movie will release on date May 4th, "Kurt Cobain: Montage of Heck"

"To watch the trailer please click the video above"

Nature of Education

In the time of developments of human culture education starts to develop. With the change of society its changes the nature of education too. According to time education starts to evolve itself according to condition is a nature of education. In a simple way we can say that nature of education is to learn or way to start follow the knowledge or education in childhood. Normally education is classified according to their nature which are as follows:

Formal Education
Formal education is to gain education with specific books, and with rules and with goals to attend accordance to the education, We can say it regular education too. In these type of education at certain ending point of the training or learning, they need to prepare for exam which decide them to fail or pass. School, Campus, University are the institute who teaches formal education. It those not effect by the desires of attendance but need to accept the specific rules and regulation.

Actually formal education is known as education of the country education. By these kind of education it cannot complete the whole education system of society. To gain education there will be no respect for their freedom, or democracy value and respects. So, the critics use to say it is expensive way of education, lack of creativeness, etc.

Non Formal Education
The ways of getting education rather than boundaries or outside of formal education by certain goals and times is known as non formal education. These kind of education is exact difference than formal education. For eg: Scout Training, Agriculture development training, educational radio and television program, Population education, etc.

Non formal education are can modified according to desire of attendance or practical and skillful knowledge or training. In comparison of formal education, Non formal education are low on cost, easy to attend, and result oriented.
  

Meaning of Education

In the time of beginning of human developments the term of education also starts to .Education is the way of gaining knowledge. That's why education is any terms to get a knowledge. In the human life we can learn any kind of knowledge through out our life which can be called as education. So that we can say that education is such a tools which change human life into more step that of other living beings.

There are different view towards the education. For example: In terms of financial support it can use as a tool for skilled financial support. In social view it helps to change the view of society and so in the terms of philosophy view its help to search the knowledge of truth and human thinking. We can take any view to for education, whatever we choose it is one of the useful tools for human life.

Education is one of the life cycle which run regularly since the starting of human life. That's we people says, "Education begins from cradle and ends to the grave." by Dumvile. That's why education is precious thing or tools to human life. A famous philosopher John Locke says that, "Plants are developed by cultivation and man by education." So on,John Dewy says, "Need food for physical development and education is for social growth."

So its prove that education is most essential things to develop the society and human beings. It can use in various way, by looking its time, situation and need. That's why we can't describe the education in narrow way or in one point of view because it's develop its meaning in different ways accordance to their situation.   

Concept of Property and liability insurance companies

The various types of insurance other than life and health are called collectively property-casualty (PC) or property liability insurance. Property and liability insurance protects against fire, theft, liability, and other events that result in economic or non economic damage. Property insurance protects business and individuals form the impact of financial risks associated with the ownership of property, such as buildings, automobiles, and other assets. Casualty insurance projects policyholders from potential liabilities for harm to others as a result of product failure or accidents. PC insurance companies charge policyholders a premium that should reflect the probability of a payout to the insured and the potential magnitude.

Investment yield /return and risk
A common measure of the overall underwriting profitability of a line, which includes the loss, loss adjusted expenses, and expenses ratios, is the combined ratio. Technically, the combined ratio is equal to the loss ratio plus the ratios of loss adjustment expenses to premium written and commissions and other expenses to premium written. The combined ratio after dividends adds dividends paid to policyholders as a portion of premiums earned to the combined ratio. If the combined ratio is less than 100, premiums alone are sufficient to cover both losses and expenses to the line.

The loss ratio measures the actual losses incurred on a specific policy line. It measures the ratio of losses incurred to premium earned (premium received and earned on insurance contracts because time has passed without a claim being filed). Thus, a loss ratio of less than 100 means that premiums earned were sufficient to cover losses incurred on that line.

Concept of Health Insurance

Definition of Health Insurance

Medical expenses can be catastrophic. The perils insured against in health insurance are the method costs associated with illness and injury and the loss of income. Specific medical costs include the costs of hospital room, surgical procedures, miscellaneous expense (e.g. lab tests, X - rays), non surgical care, and long term care. These expenses can be paid through hospital surgical expenses policies, major medical insurance and long term care insurance.

A large share of private health insurance is provided by life insurance companies. Health insurance consists of three basic types of coverage medical expenses, loss of income, and dental. Medical Insurance  includes medical, hospital and surgical expenses. Loss of income insurance includes accidental death, disability and dismemberment coverage. Dental coverage includes regular check-ups and oral surgery !!!!!

Concept of Life Insurance Companies

Life Insurance Policies

Universal Life Insurance
This is a type of policy that was introduced in 1979 and has gained tremendous popularity over the years. In essence, it is a very flexible type of policy that allows the insured to pay in excess of the pure premium each year. The excess fund can them be used to invest in money market in instruments or other investments that the policy holder chooses. This means that the insurance company does not guarantee a fixed rate of return on the funds. Rather, the policyholders, bear interest rate risk and default risk on the investments,

This type of policy is so flexible that the policyholder may choose not to pay a premium on any given year. In that case, the insurance company simply takes the premium payment from the policyholder's investment funds. Not only is the premium payment flexible with universal life policies, but the amount of death benefits can also be changed at the policyholder's option. In addition, the policyholder can withdraw money from the accumulated investment funds.

Annuities 
An annuity is a finite series of equal payments that occur at periodic intervals. Insurance companies also offer annuities, and there are several variations on to the annuity theme. The most important are fixed period annuities and life annuities.

Fixed period Annuities
In fixed, period annuities, the equal payments occur over a fixed period of time, usually ten years. With this annuity, the insurance company continues to pay benefits to the annuitant's heirs in case death occurs prior to the annuity's expiration. Because of this, there is no risk of losing benefits because of early death.

The fair premium under the fixed period annuity can be calculate by using following equation

         R  =    C X PVIFA _r,n         

                PVIFA _r,M X (1+r)^t

Where,

     R   = The fair permium

     C   = Amount of annuity payment

     n    = Number of annuity payment

     T   = Starting years

     M  = Number of payments in year

     r    = Annual cost of money

Life Annuities
This type of annuity paid equal periodic amounts until the annuitants dies. Sine life annuities pay benefits until the annuitant dies, they contain an element of randomness, so their pricing relies on actuarial methods based on mortality tables. !!!!!

Concept of Life Insurance Companies

Definition of Life Insurance Companies

Life Insurance companies are financial intermediaries by virtue of their collecting and investing large amounts of premiums. They offer protection to the investors, provide means for accumulating savings, and channelize fund to governmentm and other sectors of the economy. Generally, they are contractual saving agencies which receive, mostly without fail, steady inflow of funds in the form of premiums. The liabilities of insurance company is long term, for may life policies are held for 20 or 30 years. It indicates that liquidity is not a problems for such contractual saving companies like insurance company, and hence their major activity is in the field of long-term investments. 

Life Insurance policies

Term insurance policy

Term insurance policy is pure life insurance,. This policy is issued for a short period such as from 3 months to 7 years. If the insured dies while the policy is intact, the beneficiary of the policy recieves the death benefits. If the insured does not die within the period, the policy is invalid and has no value. There is no cash value or investment value for a term insurance policy. In addition, the policyholder cannot borrow against the policy. Only protection element in this policy.

The fair premium on term of life insurance policies calculated by using the following equation:

Fair premium (R) = L X P_a

                                 1 + r

Where,

       L    = Policy amount

       P_a   = Probability of dying over the next year

       r     = Annual cost of money

Whole life insurance policy

This policy is also called cash-value or permanent or straight or ordinary or investment life insurance. It is the oldest and most traditional form of insurance. It is issued for the whole life of person, The premiums are payable only once or throughout the life of the assured or for certain period of time, Assured amount becomes payable only on the death of the policy holders to his/her nominee or assignee. The whole life insurance policy requires larger annual premiums than the ordinary whole life policies. 

The present value of benefits on whole life policies is calculated by using following equation:

                         100 - a

PV benefits = L X ∑ m_t  (1+r) ^–t

                                    t = 1

Where,

       L  = Amount of each policy

       a   = Age of policyholders

      m_t  = Mortality rate

       r   = Cost of money

For constant mortality rate, the following equation can be used to calculated the present value of benefits.

PV benefits = L X M_t X PVIFA _r,n

Where,

   PVIFA _{r,n    =  Present value insert factor annuity at r percent annual cost of money for n years}

       L             = Amount of each policy

       m_t            = Mortality rate

       n             = Numbers of year

        r             = Cost of money

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Types of Insurance

Types of Insurance Companies

Insurance companies comes in two major varieties, according to their ownership: stock and mutual. A stock insurance company in very similar to other corporations. For example, its main goal is to maximize the value of its stock, and it is controlled by the stockholders, By contrast, a mutual insurance company is owned by its policyholders and is a non-profit organization. In practice, however, the management of a mutual Insurance company makes most of the decisions with little or no opposition from its policy holders/owners.

Mutual have certain advantages because the policyholders are also owners and conflict between policy holders and owners are reduced.

Management of mutual tends to be conservative. As a result, policies are more secure. The main disadvantages of a mutual is the difficult of monitoring management.

Insurance companies can be classifying according to types of policies they sell. The two major types of are life and non-life or property/liability (P/L) insurance companies.

• Life  insurance companies
• Health insurance companies
• Property and liability insurance company

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Benefit to Society by Insurance

How Insurance Companies Benefit Society ?

Insurance companies benefit society by accepting certain risks that individuals are not willing to bear. In most of the cases, the risk transferred cannot be easily diversified by the individual. For example, many people buy life insurance to protect the livelihood of their families in case they die unexpectedly.

People transfer the financial risk associated with dying to insurance companies; they also transfer other non-deversifiable risks. Among the most important are the risk of a major health problem and the risk of fire or flood in the home. But why are insurance companies willing to take other people's risks in exchange of small premiums? The answer is the concepts of the portfolio or they pooling many different and unrelated policies, insurance companies are able to generate profits while retaining their overall risk at very reasonable levels.

Insurance benefits society in the several important ways. First, it reduces fear and worry because if a loss occurs, the insurer provides a payment to mitigate the loss. Insurance also provides and incentive for loss control because insurance premiums are determined by the chance of loss, and loss control reduces the chance of loss. Insurance helps facilitate credit by protecting collateral pledged to secure loans. This benefits is especially important in commerce because it helps facilitate the shipment of raw materials and finished goods. Finally, the insurance industry plays an important role in capital formation. Insurance companies collect small amounts money from man insurance purchasers. They pool these funds and then make large blocks of funds available in the capital markets !!!!!

Concept of Insurance

Definition of concept of Insurance

Individuals and businesses face risk,which is uncertainly concerning the occurrence of loss. Risk takes many form including the risk of premature death or poor health, the risk of damage to property, the risk of legal liability, and  the risk of individual outliving their accumulated assets. Certain risks can simply be avoided. Other risks, however, must be effectively managed. Methods of dealing with these risk include retention, loss control and risk transfer.

The foundation for insurance business if Law of large numbers. This principal states that a risk that is not predictable for one person can be forecast accurately for a sufficiently large group of people with similar characteristics. No insurance company can accurately forecast when any person will die, but its actuarial estimates of the total number of policyholders who will die in any given year are usually quite accurate.

Insurance companies are financial intermediaries because: they collect and invest large amount of premiums; they provide means for accumulating saving and channelize these funds to various sectors; they even provide loans to the policyholders, they are non-banking financial institutions, because they are not directly involved in banking activities like deposits or other financial services. Insurance company are also the part of financial intermediaries, hence the study of their functions are playing significant role in the financial market. They are considered as the contractual saving institution due to their nature. Apart form handling risks of different markets, they are also the time bound financial contractor. They execute various financial functions that influence financial market of any country, Therefore, the regulatory authority always regulates their fund.

The insurance industry has enjoyed that most enviable records of long term growth of any of the financial institutions, Insurance is a key instruments in the industrial development, social development and moreover for economic growth!!!!!

Bridge of life

Can our education be a better bridge for our future life?

It will be lot easier to cross the river if there is a bridge. There will be no hustling while crossing. It's same way in our life to get better future is there any such kind of bridge which can help us to get secure future life. In this topic, I am going to talk about how our education can be bridge for our future life.

There will be no person, who can say that I have not seen the bridge in my world life. There are lots kind of bridge which helps our life to make easier in our daily life. Suppose that if there was no any bridge in world, what will be our situation? I'm sure that you can't even imagine that because we are using bridge in our daily life in some manners. So, there are lots of bridge which helps us to cross easier our hardest way in certain matter of time without risk. But did you know how hard is it too build a single bridge. Somewhere it's take a lot of years hard work, big sum of money, lots of resources and studies too build a single pool.

In a same way, if we spend our some time of our life in education can it be better bridge for your future life. Obviously it will be the best bridge for our future. But it can't be build up one days. It's need a lot of hard works, studies are needed to get better education. How much we spends our life in studies in a same way we gets return in future ahead. We see the lots of doctors, engineer, accountant, banker, industrialist, etc they spends lots of time to get better education and be capable for that post. We can see the same answer or result in given example. How hard we need to studies and utilize our resources to build a perfect bridge. How hard we work result will be better bridge with long time duration. As same as how hard we try to get better education we will get better future life ahead for long times.

So, we have too managed our studies time to get better education. We will get same results in future ahead may be can't be a doctor or engineer but we can get good jobs or we can do our own business with better idea. That's why education can be a better bridge for our future life!!!!!

Education

What kind of education we actually needed for your future ?

Every parents' think what can I do better for my family and children in present and future. They always plan to do better than past moment. In this thinking they have a thought of education for their children too. Because with better education they more have a secure life ahead. As same when some students finish his/her higher education. They got confused to choose better course for their education, because they have to stand forward in future with better education. In this race, there is always a question which will be best course of education to their better future. What, Which, How these kind of question goes around them always about choosing better education.

About need of education, we get lots of article with their own point of view but every article motto is Education is better of life. In our country there is one motto in every school, college, university and institute that Education is light of our life. But in there career race, most of them leaves behind their education. In my point of view about what type or kind of education we should take for our future is it depends on yourself. Not to your family, cousins, friends or college. It is choosing by your self. We should choose education as our skills and career. If we choose it by these factors there will be no fault in ahead!!!

Pros and Cons of Insurnace

What are the pros and Cons of Insurance ?

 In this world there is nothing which doesn't have pros and cons. If you tried to check out anythings which have only pros in yourself you might waste your whole life time. Every action has it reaction. Form our childhood we learn the Newton's law. And one of them is above. Every action has it reactions.  In this world we can never say that always we will have a good things. Sometimes you might heard that A high value, perfect business gown down in market, or you might heard natural disaster which make a loss of hundreds of life and properties, or you might heard that car accident, plane accident or even a new kind of diseases killing a lot of people. In this world, we are not sure what will happen to us in the future. But still we do our best to keep your future better or in right hand.

Talking about pros of Insurance, If we get insurance there are lots of benefit. We can get different types of insurance form the market, there is always a different types of Insurance and we can get them as our wish and capable. Like; Life Insurance, Health Insurance, Business Insurance, etc. We can get a insurance for anythings as our need or plan for better secure which gives us proper return over if any kinds of occur in the future. If we have insurance we can feel secure sometimes we might loss our beloved car. And we might have not proper fund to get a new one and also can't found lost one. In these kind of situation Insurance will helped us to get a new one, but we might get insurance before the car loss. This is a only simple example, in human life we can't predict what will happen so it is better to get insurance as our need and capability.

But still it depends on which kind of Insurance we choose. Because in every time we might get not reimbursement from Insurance, it have a lots of rules which we need to flow. In the case of hospital emergency, we can't able to follow every steps in those times if insurance can't help us to make easier approach then why should we paid our premium. Even if I get the life insurance and can't use in my life and they paid me after my death is also no use for me. If we get late in paying a premium they cancelled our all insurance. Is that good things ? Because sometimes we might get trouble and can't paid premium in time. In those time they call as their debtors. These kind of stuff shows the bad side of Insurance not only that if there is little different part than our agreements when accident occurs they might not reimburse us.

Whatever, getting Insurance is a good thing because it helps us to feel secure in future. Lots of Insurance company have different schemes which might helps for our selves and our children in future. But before getting insurance you must get perfect idea what kind of Insurance you need for better future !!!!!

Importance of Insurance

Why is Insurance Importance to our life ?

We don't know what will happen to us in the future. No body can predict that what they will be doing in future or what position they will be? We can be the top or in bottom in future. So, nobody can exactly say that what will happen. In future, if we are doing the business we might get loss or profit or we might get sick or death, or any natural disaster can take place and lets us to face a huge problem and loss risk of our property. In this scenario Insurance plays the vital role in any type of accident, health problems and death too. But still we cannot make a price for a person death.

Insurance is a such things where we can plan for our better secure life in loss of any things. For example Health Insurance, in future we can't predict what type of health problem we haves and there is also not sure the we have enough money to get operate. That's why if we have insurance we can check and get proper treatment by our Insurance. For that we need to plan the better Health Insurance scheme for ourselves. Otherwise having a health insurance might lead to disaster.

Like above examples lots of things can happen in our life or business getting proper insurance scheme is right a choice for better and secure future. Because there is not a such things who could tell us what will happen to us in the future. That's why most of Insurance slogans are For better future get a perfect Insurance. In this world  it is hard to know what might happen to us, because lots of natural disaster, health problems, loss on business are happening. So, in the regards of these problem we should take precaution for these problems.

In serious time, like a death, if we received some money from decease person it will be easier to decease family to operate daily routine. Sometimes, death takes away the main person who feeds their family. It looks not so good talk like these but still every times insurance helps in those kind of situation. These insurance money can be a something to plan ahead for their future!!!!!

Insurance Market and Risk

What are the Insurance Markets and Risk Trends in this age ?

Risk area to watch
Cat exposed that the property risks including flood zone exposures. Certain segments like; workers' compensation, excess market including lead umbrella in the pharmaceutical, transportation and energy sectors. And also the cyber liability and network security coverage in potential for more restrictive terms and condition following recent losses.  Specialty areas including Energy, Marine and Aviation.

Terrorism insurance options
Insurance company should consider for alternative solutions for terrorism coverage. Like; standalone terrorism placements, Reservation of Capacity, Sunset provision discussion and Captive insurer strategies. Such alternative may be appropriate even if is extended. For example, standalone policies; May provide alternative and supplement to coverage, May provide immediate coverage in the absence of the federal backstop program, Can be reserved for either a short-term or for a full-term renewal or Provide risk professionals with the ability to lock in capacity and pricing now.

Flood Risk
Still no universally accepted modeling approach for flood. Most carriers: Monitor portfolio locations and try to mange by limiting the amount of sub-limit provided. New flood maps being proposed but are not yet played in real market, The Bigger-Waters Flood Insurance Reform Act: Requires the Federal Management  Agency (FEMA) to adjust the way it manages the National Flood Insurance Program, may it contains significant program reforms, Aims to eliminate subsidies and discounts on flood insurance premiums, Means that many organization will face NFIP premium rate increases as a result, Has come under intense fire from critics.

Causality: Umbrella and Excess
Umbrella Market covers overall capacity increased and, rates generally stabilized throughout the year and trend expected to continue into future. Excess market can new insurers entered the marketplace form the different countries, it should likely help to keep excess casualty rate relatively stable. Exceptions may exist in some areas: energy, chemical, life sciences and construction areas!!!!!

Trend of Global Insurance Market

What are the trend of Global Insurance Market ?

Insurance Industry is a very  major component of the economy by the virtue amount of premiums collected by yearly, how large the scale of its investments and more fundamentally , plays the most essential or importance role played by covering personal and business risks thoroughly by social or economic.

Since the early  of 1980, a number of agency has collecting and analyzing data of insurance in various countries, such as the number of companies and their employees, insurance premiums and their investments by the insurance company. A launching of the Global Insurance Statistics project in 2008 extended the globally approaching in the database and expanding their insurance framework to include the collection of key balance sheets and income statements items for any kind of direct insurance and reinsurance sectors.

The analysis in Global Insurance Market Trends served to monitor the insurance industry's overall performance and their strength, it is published for as a complement to the insurance statistics database !!!!!

Global Insurance

What is actually Global Insurance Outlook ?

Finally the global insurance industry are raising form their problems like them combination of financial turmoil and economic uncertainty which was challenged in international level of property casualty and life annuity insurance companies. Whatever it remains in premature state because of the difficulties times are behind the industry and aging populations in enticing areas like product expansion and revenue growth. The industry where quite appears at the threshold of much better times ahead in future.

Nevertheless, must furious and complex challenges lay ahead, among them one of the challenges is the abstractedly low interest rate environment. It is not about how low may rates go, but how low they may remain is a dark side. And also another challenges is international and national regulations spawned by the financial crisis. These kind of enhanced regulations create significant compliance and governance burdens to insurers, adding these burdens is the implementation timing of varied laws, which remain uncertain.

And technology also empowered the today's customers because of they can both researching and buying insurance over the internet. Many insurance company still facing the problems to digital presence of their and guiding superior sales and market segmentation strategies, claims and other systems. That's why insurer should develop their strategies in investing in technologies to address the enhanced services to customers and develop a strategy to improve more customer targeting, production design and agency management.

Certainly, by given concept it might raise slim profit  margins, but insurers must need to continuing to identify their opportunity from top to bottom line growth. In this regard, capable or successful insurer will develop a customer focused culture on the distinctive needs and expectations of buyers. There might be remain many chances to insurer to gain a competitive advantages and thrive !!!!!

Primary Education Must Mean Primary Completion

Why Universal Primary Education must mean to Universal Primary Completion ?

Till date, all education institution are focused heavily on getting children enrolled in school rather that improving or completion rates. This is a kind of problematic for several reasons.

First, a growing body research shows that completion of at least 5 to 6 years of schooling is a critical threshold for sustainable mastery of basic competencies, such as literacy and basic numeracy. All children enrolled in primary school and ensuring that all children complete the 5-6 years primary schooling are substantial difference than other children. Its impact on their lifelong literacy rather than others.

Second, schooling enrollment ratios, are poorly co-related with the rate of primary school completion. In every developing country, the horizontal line of an average enrollment shows the underlying reality of a curve shaped schooling profile in which many more children begin school than complete it. By the different kind of data and research only about lower numbers of students make fully completeness on primary schooling. A crucial issue from that standpoint of monitoring is the fact that a gross enrollment ratio, or even single net enrollment ration has no consistent correlation between the completion primary rate.

Disparities between these two ration arises for many reasons; children enter school early before than official schooling age, in developing countries, they start school late and repeat grades. Another common problem is that children drop out school before the end of year due to their family problems like illness, or families needs for their labor and rejoins the same grade following years. By these kinds of problem or factors that effects on gross enrollment ration 10-60 percent higher than completion rates.

Important gender differences also becomes a key point in comparison of gross enrollment ratio against completion rate, as well. Most of the countries have a low in number of girls enrollment numbers rather than boys as same in the completion ratios. As important as analyzing the overall completion rate is decomposing it for different groups. In around the world, the completion rate children of poor families and rural areas are lower. And also in countries gender equity is also an issue.

"Every children can learn." This more flexible concept is a more relaisitc - and substantively meaningful-goal for developing countries as well. It will put the different view points to school systems to prepare their teachers with different strategies to meet children's different learning needs. It might requires schools to allocate their resources as their students needs like slow learner, children with physical or emotional disabilities, etc. By these kind of efforts and learning assessments can help to ensure the children's grade progression actually reflects adequate mastery of the primary curriculum. By these kinds of paths children's are lead to primary school completion that is a reality for many children in developing world !!!!!

Importance of Primary Education

Why is Universal Primary Education so Important ?

As we know the education is fundamental tools or instruments known for reducing poverty and inequality and for basic sustained economic growth. It is most fundamental source for the establishment of democratic societies and globally competitive economics. Education is fundamental key for individual and for nation to creating, applying and spreading knowledge.

So, the primary education helps to learn and read, using maths to acquire information and to think critically about any information. And it is also the gateways for higher level education to be scientists, teachers, doctors or any other highly skilled professionals that every country, no matter how small or poor. In a research it also shows that they have improves their individual income rather than others. And in research it also shows that for better natural resources management, including conservation and more rapid technological adaptation and innovation.

When a large number of children do not complete the primary education, the productivity of labor force, the potential knowledge-driven development and the reservoir of human potential from which society and the economy can draw are all fundamentally constrained. In several developing countries the average level of schooling of the labor force are still lower than the completion of primary education level. Following research strongly recommend that such low levels of human capital are fundamental inadequate for sustained economic development or poverty reduction.
Also another study shows that average educated levels women have one less child rather than other women. It also helps to found out that mothers who have completed primary education are 50 % more likely to ensure that their infant child are immunized than mother with no education. And very recent research also results that for girls and boys, education is more effective preventive weapons against HIV/AIDS.

In summary, progress towards the goal of universal primary education will have strong effectiveness in achievement if the other millennium goals. But this is only first step towards the lifelong learning for all the citizens, which is as relevant fir the poorest countries of developing worlds. In a highly competitive world economy we cannot any longer consider primary schooling a terminal level of education for its labor force but increasing the number of children who completed primary schooling level is first essential step !!!!!

The Global challenges

The Global Challenges of educations for all

Following goals are committed by countries around the world to ensure the education, "181 countries from all over the world have committed themselves to 8  millennium developed Goals aimed at eradicating extreme poverty and improving the welfare of their people by 2015." And second goal was "Achieve universal primary education" targeting to ensure that "by 2015, children everywhere, boys and girls alike, will  be able to complete a full course of primary schooling." These are the Jomtien commitment was affirmed and extended at the World Education Forum in Dakar in 2000 AD.

As in research following the Jomtien good was not met according to the Dakar forum. And also following research seeks answer to these three questions:

• How close is the world to achieving the millennium goal of universal primary completion ?
• Is it achievable by 2015 ? 
• If so, what would be required to to achieve it, in terms of both education policy reform and incremental domestic and international financing ?

In this research our researcher approach are different than others while they based their research on the completion of primary level education rather than enrollment in primary education. which are poor proxy for schooling completion rates. 

if so, what would be the incremental domestic and international financing requirements under this scenario ?

Under this circumstance study are first based to analyze on the Challenge of Education for All through by the development of a new  monitoring indicator and direction collection of most recent available data in educational enrollment and public finance data. By this study they came the conclusion are very far form the goal, and they can only approach the 57 percent in completion of primary education, because of their poverty, fragile domestic resource base, and institutional weakness. So, for this achievement they need the huge amount support form incremental external resources and effort from international group for universal primary completion !!!!!