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banking terms

By Victor S. Fischer
  ✍️ CRR Cash Reserve Ratio is the minimum fraction of total deposits of a bank’s customers that banks have to hold as reserves with the central bank. ✍️ SLR Statutory Liquidity Ratio is the ratio of liquid assets to the net demand and time liabilities. ✍️ LAF Liquid Adjustment Facility is a tool to allow banks to borrow money through repurchase agreements. It consists of repo and reverse repo operations. ✍️ MSF Marginal Standing Facility allows scheduled banks to borrow funds overnight from RBI against approved government securities. ✍️ MSS Market Stabilization Scheme is a monetary policy intervention by RBI to withdraw excess liquidity by selling government securities in the economy. ✍️ OMO Open Market Operations refers to the buying and selling of government securities in the open market so as to expand or contract the amount of money in the banking system. ✍️ REPO Repo...
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Way to Stop Global Warming

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Global warming is the name for the process by which the earth is warming up due to the presence of greenhouse gases in the atmosphere. The earth’s atmosphere as a whole is getting warmer.
In addition, the temperature of the seas are getting warmer. And, the hottest parts of the earth are getting even hotter.
So, in sum, global warming is the warming of the earth surface including seas, land, etc. The greenhouse gases absorbs infrared radiation to cause an increase in the temperature of the earth’s atmosphere and the environment.

How to stop global warming? Read below the various ways to control and stop global warming.
  1. Reduce CO” emissions: CO2 is a major cause of global warming.
  2. Burn fewer fossil fuels: coal, oil and so on. Burning of fossil fuels cause the greenhouse effect.
  3. Fly less often: to reduce emission of greenhouse gases.
  4. Recycle: as often as possible.
  5. Reuse items: instead of buying new things all the time.
  6. Reduce aerosol use: to preserve the ozone.
  7. Educate others about the dangers of global warming: so they take similar action.
  8. Campaign: get governments and big companies to change their ways.
  9. Shop responsibly: from environmentally friendly brands.
  10. Conserve water: to conserve energy.
  11. Don’t waste food: to put less strain on resources.
  12. Plant trees: take part in reforestation projects.
  13. Think of the future: think of future generations.
  14. Drive less: to reduce emissions.
  15. Insulate your home: to save energy.
  16. Use fewer pesticides and aerosols.
  17. Give money to environmentalist charities.
Conclusion: All of our individual actions can add up to stop global warming. We can all take action now!

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By Victor S. Fischer
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Later Vedic Period

By Victor S. Fischer
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Important Points to Remember about Constituent Assembly of India

By Victor S. Fischer
The idea for a Constituent Assembly for drafting a constitution for India was first provided by  Bal Gangadhar Tilak in 1895.  In 1934, the demand for a constituent assembly was raised for the first time, which later became an  Official Demand in 1935 . This demand  was accepted in August 1940  offer by the British. The constituent assembly was formed on the recommendation of the Cabinet Mission which visited India in 1946 The first meeting of Constituent Assembly was held on December 9, 1946— its temporary president was  Dr    Sacchidanand Sinha The second meeting was held on  December 11, 1946.  Its president  was Dr Rajendra Prasad. The Objectives Resolution was passed under the chairmanship of J.L. Nehru.on 13 December 1946. The Draft of Indian Constitution was presented in  October 1947 . President of the Drafting Committee was  Bhim Rao Ambedkar The total time consumed to prep...
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