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Martin Lewis – The four things you need to be successful

Like all with greying hair, I wish I could counsel my 20-year-old self – not just to steer his decisions, but to help reassure and take the pressure off making them.

In November 2016, I was lucky enough to do the next best thing. The BBC’s One Show asked if I’d give an hour’s life lecture to students at my old university, the London School of Economics. I did. It made up 90 seconds of a four-minute life-story film, but there was a lot more said.

So we managed to get the raw footage off the BBC. Some wasn’t usable as they were changing shots or microphones, but one element that did make it was the ‘how to be successful’ section. So thanks to MSE’s video producer Anthony, we’ve put together a 15-minute version of it, some may find it interesting, and I hope it will be especially useful for others nearing the start point of their careers…

Here’s a transcript…

What is needed to be successful?

Four things.

Number one, talent. All of you have that. You wouldn’t be at this, one of the world’s great universities, without it. But you’re not alone – there are a lot of people with talent out there and talent in many different areas, not just academically, not just intellectually, across many different skill sets. But number one, talent.

Number two, hard work. Work harder and longer than everybody else if you really want to be successful. But before you do that, ask yourself do I really want to be successful.

Successful in a vocational sense isn’t everything in life. You might find you get greater happiness from a nine to five, starting a family early, having a wonderful social life and great friends and that you don’t reach those career pinnacles. Think about that first.

I worked 90 hours a week for ten years. I’ve now cut down. I’m technically part-time. That’s 50 to 55 hours a week. That’s what it takes. I’ve already done the working hours that most people have done by the age they’re 60 when they’re retiring. Right? And I’ve had the difficulties that have come with that. I’ve had the stress issues. And your social life isn’t as good.

So, this is on how to be successful but ask yourself first, do I really want that. There is a balance. There is a trade-off between success and happiness and it’s really important to think about it.

Number three on what it takes to be successful: focus, zone. Choose what you’re doing, be absolutely the best. The narrower the field…hopefully it has some resonance but the narrower the field and the better you are at it, the more your chance. Try and be too broad brush and it will not work.

So, we’ve got talent, hard work, focus.

Number four: luck.

Sorry. You can do the first three, you can do them all right and you can still fail. And if that happens to you, don’t think you did something wrong. Failure is a lesson in life. Some of you will do all of that and you will fail. Others will do all of that and you will succeed and the only difference is one of luck.

And don’t beat yourself up about it but before you start on the path, don’t think there is any guaranteed route. People come to this university generally for one of two reasons. They either want to make a lot of money or they want to change the world. If you want to make a lot of money, that’s fine but understand that what goes with that is a responsibility to the impact that you have on everybody else and that’s what you need to learn from this institution.

For those of you who want to change the world, that’s fine but understand you can’t forget the economics. They work both ways round and it’s a lesson that this institution more than anywhere else really needs to focus on.

So, talk to your colleagues and your friends who have the other drive to you. Those who want to do good, talk to the ones who want to make money and try and persuade them of your point. Those who want to make money, talk to the ones who want to change the world and make sure you understand what’s driving them. Because it takes both for us all to thrive in a modern world.

Lesson number three, don’t be afraid to change path. You will be better at something that makes you happy and if it makes you happy you’ll make more sacrifices and you won’t feel as bad doing so.

I talked about being in financial PR. I was 23/24. I was the youngest person that had ever been taken on there and it was muttered to me I’d be the youngest partner in the firm. I resigned the next day. That’s a lie.

Here’s what actually happened but it was a good point. What actually happened was that utterance came to me, I’d been there just under two years and I went home to my family and I said, I need to leave, I don’t want to be a partner in that firm. So, I thought what I wanted to do, I applied the next day to go and do my broadcast journalism post-graduate. I waited two months to be accepted for an interview, another two months for the actual interview.

Once I got the interview and got onto the course, it was two months before it started and I resigned a month before the course started. Because I ain’t stupid, I still needed an income, but in my head I resigned the next day. And this is an important lesson. Some of you are postgrads, some of you are undergrads. I am 22 years of age, don’t smile like that.

In the world of work, I started working 22 years ago. Most of you were still foetal. And it’s important to understand that. As clever and as bright and as ambitious as you are, most of you haven’t started yet and you don’t know what that world is like and until you’ve experienced it, you don’t know what’s right for you.

So, get out there…If you don’t know what you wanna be, set that out and get the best job that you possibly can but then re-evaluate after a couple of years. It’s what I did. I got a great job, it was a good career. It wasn’t the one that was right for me and I wasn’t afraid to change. I was 25, 26. You’re not locked in. Lawyers maybe, doctors maybe, but most of you are not locked in to what you wanna do and don’t feel that once you’ve made your decision, that’s it.

And, equally, that takes some of the fear away of making that first choice because what if I make the wrong decision? It doesn’t matter.  You can still change. Just be brave and do it early enough and go for happiness.

It’s not about the jobs you do, it’s about the skills you acquire. We live in a portfolio world. You know, people always ask me what I am. My answer is always I’m a campaigning journalist. Now, I could answer I’m a television presenter. I could claim to be an author. I could claim to be an Internet entrepreneur. I certainly am a charity founder. I am a print journalist. You know, it doesn’t matter what I am, what matters is what skills I’ve acquired.

And those skills have been acquired in the strangest places. I did stand-up comedy as a hobby. That’s one of the reasons I walk up and down when I’m talking to you now, because I’m addressing you all when I talk to you and when you do comedy, you need to look everybody in the eyes when you talk to them and it’s where it starts to come from.

Little story, first job at Brunswick. You know, I was this young bright thing, president of the university, the chairman advised his son to come to the firm. You know, I was the schizzzel (sp?). Right? And the first job I got I was the only person who’d ever gone straight in as an executive, but I had four weeks in the research department before that happened because just to get a feel of exactly what was going on. And one of my jobs in that first four weeks, and it’s slightly different in the Internet age, was putting the financial newspapers on the wall.

I was only meant to do it for a couple of weeks and two weeks went past. Three weeks. Four weeks. Five weeks. And I’m thinking, I’m putting newspapers on the wall. You know, I chaired a debate between the Israeli ambassador to the UK and the head of the Palestinian delegation to the European Union and they’ve got me putting bloody papers up on the wall for five weeks. What’s going on here?

And eventually I had the gumption to ask one of the senior partners – why am I still putting papers up on the wall? Do you know what he said? Look at the papers. That’s not straight. That’s crumpled. None of us can read them properly. You can’t do it properly. The next morning, true story, I came in with a protractor. I measured my right angles, I ironed it down with a tube so that they were flat and I stuck my drawing pins in every corner and two days later I was taken off putting the papers up on the wall.

You’re gonna be like that. You’re all bright or, at least, you all think you are. Yeah? Come on, this is the LSE. Some of you are postgrads. You’re all clever people. And you think, when you go into the world of work that it should bow down and scrape at you. Many of you probably these days don’t ‘cos life’s a bit tougher but that’s what many of us do. And, actually, what you have to do in whatever job you get, I don’t care if it’s your part-time job that you’re doing while you’re at university just to make a little bit of cash on the side, do it with absolutely every ounce of your ability. Because if you can’t do the small jobs, no one’s ever gonna give you the big ones.

Don’t be afraid to be different. Don’t be put off that you’re doing something a different way to everybody else because, frankly, if you want to be special, you’re going to have to be different. The two are virtually synonyms but people don’t think that way. So, sometimes that involves risk-taking. Sometimes it won’t work for you.

When I set up the website, and I met the chap who said this to me before, he’s one of my best friends and he was my best man, so there’s no venom in this, he was in marketing at the time and he looked at the website the first time and he said, don’t think it’s gonna work, nobody will really be interested and, by the way, nobody wants a face on websites.

You’re looking a whole different way ‘cos you’re in a different generation. Then, nobody had personal branded websites when they were doing any form of information site. And he said, and you’re gonna need adverts on it, banner ads. That’s how people make money. Why don’t you have any ads on it? And I said, well, I’m not willing to sell people things and I think in money people wanna see the whites of your eyes and to see who they can trust. So, I did it and I broke every single rule.

Don’t be afraid. First mover advantage is the most powerful weapon in any form of career. If you’re the first and it’s good, you’re the best. I invented my own career based around what I’m good at. It’s not a surprise I’m good at it.  So, it all started from sending it to my friends and it’s about seizing the moment, realising that you’re on to something and capturing it and that was when the website started.  We’re now 15 million users a month on a typical average and I’m now executive chair of it. I’m finally given up being editor in chief but I still oversee it.

I oversee the ethics. Nothing more important in your working life than ethics. And don’t think, when you start out and nobody’s looking and you wanna take your shortcuts and do something a little bit wee, a little bit woe ‘cos it’ll help you get more successful quickly, especially those of you who are gonna be entrepreneurs, if you’re really successful it’ll bite you in the ass. Do it right from day one. Never have a skeleton. Never have something that you did that later, if you’re really successful, people are gonna pull you up on. Have a look at the US presidential election if you don’t believe me.

And this is something they don’t teach you at school and they don’t really teach you in university. Life is full of uncertainty. There are many things we don’t know the answer to.

Now, it could be professional. For me, people ask me what’s gonna happen to the stock market. You’re an expert. I have no idea. Should I buy my dollars now or in three weeks’ time? Well, you’ll all know, quite rightly, I can’t answer that question. If I could, the dollar would have already moved to be at the new equilibrium based on what we all thought it would be. So, you can’t pre-predict what’s going on with the market. Should I buy that house? Should I marry him or her? They all involve uncertainties. They’re all things in which we can’t know the answer to.

And we’re very bad at dealing with that. And we’re very bad psychologically in understanding that. And what happens is worse. People then say, I made the wrong decision. No, no, no. You had a bad outcome.

If you fixed the rate on your mortgage in 2007 and you fixed your mortgage because it gives me certainty of payment and it is within my budget and I can afford this price, the fact that interest rates then plummeted afterwards and you would have been far better off had you gone for a variable rate and you could have reaped the benefits of the decline in interest rates doesn’t make it a bad decision.

You made the right decision based on the information you had at the time and the problem with people then seeing that as a bad decision is it prevents you making the right decision again in the future. So, when you’re making your decisions and uncertainty is involved, which it will be on virtually everything in the world, you have to hope for the best, plan for the worst. Make the decision on the evidence you’ve got, recognise what is uncertain and then afterwards, if it doesn’t go right for you, don’t blame yourself. So, cut yourself some slack. I go back to the beginning of the four things for success.

The last one is luck. If it doesn’t happen for you, you’re not a **** and this, whether it’s a life lesson or it’s an important message, I hope some of you will be successful. I hope some of you will be more successful than I’ve been. Provided you remember one thing. With success, whether that’s financial, celebrated academic, comes responsibility. Whether you like it or not, you become a role model to people and it’s important that you take that responsibility on board. You’re not selfish.

If you had the money, remember you’re the fortunate one. Give back. Give to charity. Whether it’s generic or set something up. I’m very proud I have my money in Mental Health Policy Institute. I have a financial triage system I set up with a Trussell Trust food banks. I fund My Money Week in every school in the country.

I give it back ‘cos it made me and I owe it and I’m lucky. And I won the lottery. I may have worked hard for it, I may have had talent to do it, I may have had the focus that did it but I also got the luck and I’m aware I won the lottery and I’m aware others didn’t and that brings with it a responsibility.

Pay it back. Thank you.

Higher education in India: Issues and Challenges

Higher education in India: Issues and Challenges

If India has to become an economic power then it has to focus on education.

Government has to focus on both form of education higher and primary.

In this article we are focusing on Higher Education.

higher-education-india

However focusing on higher education does not mean I am belittling the need of primary education.

Both are relevant and both have importance if country has to be changed holistically.

In coming paragraph we will be debating the difference between higher education and primary education.

How both are different and one can’t replace each other. Later we talk about issues and challenges related to Higher Education only.
Higher Education Vs Primary Education

Before we debate about issues and challenges related to higher education we need to understand primary education is more important than higher education.

Why am I saying so?

India’s number one challenge is poverty, we have to lift millions of people out of poverty and we can’t do it unless we focus on primary education.

Primary education starts from Class 1st when child is 5 years old. Primary education does not only mean a classroom, books and a teacher (that is bare minimum) but nutrition, clothes and creating an environment where a child can learn new things every day, an environment that can help in bringing out best within a child.

Infrastructure like chair, table, books, stationery, a classroom and teachers is bare minimum that any government could provide.

They need to do more than that like teaching children how they can imagine and bring out their inner talent that they can use later in their life.

If we have to bring people out of poverty then we need social mobility and social mobility can’t be achieved unless we focus on primary education and health.

However on the other hand higher education does not solve this problem.

Higher education starts when you come out of high school or 10+2.

So if child is 5 years old and live in a family which is below poverty line then the child needs primary education not higher education.

Therefore if government is spending only on higher education that is not going to change the status of child because higher education is all about colleges. And by the time the child living in a family below poverty line reaches the age of 16 his or her mind has already been shaped.

So it is of no use if the government is spending on higher education.

That is the difference between importance of higher and primary education.
State of Higher Education in India

State of Higher education in India is in between good and bad. I mean in a nutshell to say neither it is good nor it is that bad.

So in this paragraph we shall talk about number of universities, colleges, number of teachers & professors and students enrolled.

In the year 2014 India has over 670 universities, at least 38,000 colleges, 817000 professors and teachers and over 28000,000 students enrolled.

There is growth in numbers of colleges, universities, students and teachers year after year.

Different students apply for different courses. Like there are over 14,000,0000 students applied for graduates courses all over the country.

For post graduate there are over 20490000 students enrolled.

For research around 1370000 and for diploma over 1710000 students enrolled in the year 2014.

Now we should also look at the budget issue. How much government of India is allocating for education.

In the year 2014 the government of India spent over Rs 65,000 Crore. This amount is 17% more than the last in 2013.

The department of Higher education has allocated Over Rs 16,000 crore which is 20% hike from last year.

Similarly government has allocated Rs 24,00 Crore for IITs, Rs 1300 for NIT’s, and Rs 350 Crore to IIM’s this year.

So this sums up the state of higher education in India.
Issues with Higher Education in India

Let us talk about some of the issues related to higher education in India.
Teaching Qualityquality_teaching

The first issue that higher education in India is facing is decreasing teaching quality. Teachers are not well trained and qualified for the job they are assigned to.

Some colleges recruit young graduates as professors who have no experience or knowledge. So this is a big problem.
FinancingFinancing

Financing is also an issue with higher education in India. Yes India is already spending very much on higher education and it can’t spend more.

However if the quality of higher education has to be improved then more financing is needed.
Privatization

Privatization is also a big problem that higher education faces.

Privatization

Privatization of higher education is the way to go. However just privatization is not going to solve the problem.

You need to foster the culture of creativity, imagination and learning new skills in young students.
Quota System

Debating quota system is very controversial. But if you are being honest then I must tell you quota is not good for the quality of higher education.

Talent and merit is more important than your identity. However quota system is still a challenge.
Political Factor

Political influence is also a bad thing and an issue with higher education. Governing bodies do not want any political influence or interference in their affairs.
Moral Issues

Younger generation is not interested in serving their country and they are more interested in just taking up a job and a hefty pay package.
Problems with Higher Education in India

So above we discussed issues that higher education is facing. Now we shall debate about some of the serious challenges that higher education is facing.
1. Gap in Supply and Demand

India’s gross enrollment rate (GER) is just 19% which is not good. GER is 6% below the world average and at least 50% lesser than developed world like Australia and US.

This has to change if we have to really improve state of higher education in India.
2. Mushrooming of Low Quality Institutes

Mushrooming of low quality institutes all over the country is not good for higher education. These new colleges lack capacity and they are all about fleecing money from students and their parents.

There is too much glamour and less quality of education.
3. No Project Based Learning

Higher education lack project based learning. Young graduates need to learn new skills especially vocational skills that can give them job.

So we are not focusing on project based learning at all. Just theory is not enough, we also need practical knowledge is also.
4. No Strategy

There is no strategy for higher education in India. We don’t have foreign students coming to the country and studying here.

Government has no plan for this and this is a big challenge.
5. Why Only Servicing Industry?

We are obsessed with servicing industry. We all want to get selected in campus selection so we love jobs in servicing sector only.

However higher education does not solve the problem when it comes to creating jobs in manufacturing sector. That is a big problem.
Conclusion

Finally I will conclude by saying for any country both primary and higher education are needed.

Primary education has its own importance just like higher education has its own importance.

However higher education is very important for growing our economy. Higher education in India has many challenges and issues.

We need to talk about them and highlight so that government can resolve such issues.

Concise guide for educational loan in India

A Concise Guid
SureJob
A Concise Guide for a Education Loan for Students in India
December 1, 2014 | 0

Higher education in India is getting very expensive. If you want to do medical or engineering from a decent college then you need a huge amount of money.

For example a five years MBBS course could cost you over Rs 1 Crore, similarly engineering for one semester it is around Rs 70,000 or more.

It is quite possible that many parents in India cannot afford this luxury. They simply do not have money to pay for. Hence, they have no choice but go for an education loan.

In this article we shall look at how you can get education loan to complete your higher education.
What is an Education Loan and Why You Need Them?

Education loan is a special purpose loan that covers special charges related to funding your higher education by a bank.

Education Loan India

Following things an education loan can cover for your higher education.

A Payable Fees to College and Hostel
Examination Fees
Laboratory Fees
Caution and Refundable Deposits
Books, Uniforms, Instruments and other Equipments
Travel Expenses
Computers and other Gadgets
Study Tour, Project Work etc

So these were few expenses that an education loan can pay for. Although there are many others but we mentioned important one.

Eligibility Criteria for Getting a Loan in India

Here in this section we shall debate about basic eligibility criteria for getting an education loan.

Age Criteria: If you are over 16 years and less than 30 years old then you could be eligible for educational loan in India.

Loan Amount: Loan amount could differ because of various factors like kind of courses you choose and you are studying in India or abroad.

Kinds of Courses: If you are going for management courses like MBA, engineering, medical etc then you need higher amount because cost of the course is high and chance of employability is greater. Other hand courses like MA, BA, or B.Sc cost less.

India or Abroad: If you want to study in India then loan amount is less but if you want to study abroad the expenditure is higher.
Loan Amount

Loan Amount in India could be Rs 10 to 12 lakhs and the loan Amount for studying abroad can be Rs 20 to Rs 50 lakhs depending upon course.
What You Need to Get Education Loans?

In this section we will see what all you need to get an education loan. We look at things like courses, Institutes, documents, assets and other things.

Let us see them one by one.

Courses: You must go for certain courses if you want a loan.

Graduation Courses: BA, B.Com, B.SC, M.SC, MA etc
Post Graduation Courses: Masters and PhD
Professional Courses: Medical, Management, Engineering, Agriculture, Law, Dental, Computers etc.

Institutes: You must be studying in following institutes.

Courses offered in Institutes must be certified or approved by UGC university grants commission, AICTE, AIMBS and ICMR
Courses must be offered in Institutes like IIT, IIM, IISc, NIFT, Regional Institutes etc.

Documents Required for Getting an Education Loan: Now you know about the courses and institutes that you need to study in it is time to collect all the documents required for getting a quick loan. You need to submit these documents in the bank.

1. Mark Sheet of the last examination you qualified like 10+2. For proof of age you need matriculation certificate.

2. Admission letter from the University or Institute you want to study

3. Now you need a letter from your university mentioning the tuition fees, semester or year wise, cost of living like hostel and number of years you want to study.

4. You need two passport size photos

5. Bank Account statement for at least 6 months.

6. Income Tax Record for last 2 years

So these were some documents you need. For security you need other documents related to your assets. We discuss this in next paragraph.

For Security Tell Your Assets: Now for loan you need to submit liabilities and assets as security. For statement of liabilities and assets you need.

1. Land Agreement of the House, valuation report of the house

2. Legal Opinion to show that your property has no legal issues

3. Any other asset equal to loan amount, documents must be submitted to banks.

4. Up To 4 Lakhs – No Security, Above 4 Lakhs and Less than 7.5 Lakhs – Collateral in the form of third party, Above 7.5 Lakhs – Obligation of parents, third party guarantee.

So for collateral or security you need to have documents mentioned above.

Transferring Amount to the University: After submitting your security and other statements bank may approve the loan amount.

You can ask your bank to transfer the money to your university account or ask the bank to give a Demand Draft in favor of your college.

You need to ask for two demand drafts.

1. First one is for the college fees in favor of your university.

2. Second is for your personal expenses like hostel fees etc

If they give one Demand Draft then it becomes very difficult for students because they do not get their part of money other than college fees. Hence always ask for two separate DDs or traveller check.

How do you Repay Your Loans to the Bank?

Now your loan amount is sanctioned by the bank and you have also deposited to your college. Now you need to complete the college and repay your entire amount with the interest rates.

Usually repayment of loans starts after 1 year or six months of your course completion once you are employed.
The time period for repaying your college amount can be 6 to 7 years and in some cases banks are generous to increase the tenure.
The repayment tenure also comes with a moratorium period.

You need to get a good job in case you want to pay your college debt or loan.

So this was a concise guide for educational loan in India.

Inclusive Education in North East India

Inclusive Education in North East India
With the adoption of the Salamanca Statement in 1994 (UNESCO) a large number of developing countries have reformulated their policies to promote the inclusion of Child with Special Needs (CWSN) into mainstream schools.
Though a large number of developed countries like USA, Canada. Australia, have policies/laws for promotion of “inclusive education,” despite developing countries like India continue to provide educa­tion to CWSN in “segregated schools” till recent times.
Inclusive Education India
Background of Inclusive Education in India:
The Kothari Commission, 1964, recommended for sending the CWSN in the mainstream school. Through the Integrated Education of Disabled Child (IEDC) Scheme, Government of India made an attempt for “integrated education” of CWSN in 1974.
Thus the rights of the children between the ages of 6-14 for the edu­cation were ensured. The IEDC Scheme was designed to promote the integration of students with mild to moderate disabilities into reg­ular schools.
Further it stressed for the retention of CWSN in the regular school system. The National Policy on Education 1986 continued the spir­it of IEDC Scheme and stated” mild disabilities should be included in the mainstream classroom”.
However the IEDC scheme was to be revised in 1992 due to some shortcomings in the scheme. Under the revised scheme. 100% assistance was made available to schools involved in the “integra­tion” of students with disabilities.
Further section 26 of the Person with Disabilities (Equal Opportunities, Protection of Rights & Full Participation) Act, 1995 suggested for providing free education to CWSN and thus made an another attempt to promote for their inclusive educa­tion.
The Scheme of Inclusive Education for Disabled at Secondary Stage (IEDSS) was launched in 2009-2010 by Government of India enabling all students with disabilities for completing sec­ondary schooling (classes IX to XII) in an inclusive environment. This scheme replaced the IEDC Scheme. However the IEDSS was subsumed under Rastriya Madhyamik Sikshya Abhiyan (RMSA) since 2013.
Present scenario of Inclusive Education in North East India:
There are 2, 68. 10.557 Persons with Disabilities (PWDs) in India as per census 2011, constituting 2.21% of total population. The enrolment of CWSN in the mainstream schools of North Eastern region is as follows:
SI. No. Name of the State PWD of Age Group 5-9 years PWD of Age Group 10-19 years No.  of schools for Inclusive Education Enrolment of PWD by 2013-2014
1 Assam 35.211 76.681 1.256 5.030
2 Arunachal Pradesh 2.082 5.026 92 598
3 Nagaland 1,937 4.631 58 322
4 Manipur 3,973 9,107 147 560
5 Mizoram 988 2219 216 809
6 Tripura 4,114 9.764 287 708
7 Meghalaya 4,459 9,624 65 148
8 Sikkim 716 2,014 34 68
Sources: Census Report 2011 & RMSA. Ministry of Human Resources. Govt. of India Reports.
The Government of India has approved to cover 2.11.616 CWSN under the IEDSS Scheme in the year 2014-2015 out of which 46.122
from North East. Since the PWD Act 1995 advocates for free education of CWSN up-to the age of 18 years hence the age groups from 5-9 and 10-19 have been considered in this write up.
The non-availability of sufficient qualified professionals for the evaluation of PWDs in North East has badly effected the enu­meration of PWDs in the region. Thus it has become very difficult to quantify how many PWDs in the age groups of 5-9 years and 10- 19 years are actually mild, moderate or profound.
Challenges to the inclusive education system:
Lack of trained personnel and of flexi curriculum: The majority of school employees are not trained to design and implement educational programs for CWSN in regular schools. Evidences reveal that all the states of North East do not have sufficient trained/qualified person­nel to teach CWSN. Further the non-flexi “curriculum and evaluation method” is also found to be a challenge to the system.
Removal of architectural barrier: Though provisions have been made under the PWD Act 1995 for creation of architectural barrier free environment for the PWDs. those are hardly executed in full in most part and it has adverse affect on the integration of CWSN in the regular education system.
Poverty: A large number of CWSN live in families with income below poverty. The combination of poverty and disability results in a condition of Immediate deprivation” which sets up challenges to the participation of CWSN in regular schooling.
Attitudes: The prejudice mind setup of the parents of the non-disabled Childs that disability is disease and it can be spread to their child if mix up with CWSN is a major hurdle in the process.
How to overcome these challenges
Training of teachers: Effective training on disabilities has to be provided to the teachers to make the inclusive education system success. The Rehabilitation Council of India (RCI) who is responsible for the cre­ation of human resources in the field of dis­abilities needs to adopt a policy for training of at least one teacher from each school. The provision for appointment of Special Educators in the ratio of 1: 5 under IEDSS should be implemented soon.
Collaboration between different min­istries: As different ministries are entrust­ed with the responsibilities of implement­ing different schemes/policies hence a better coordination among the different ministries will certainly help in achieving desired goals.
Channelizing NGO’s in implementing inclusive education programs: Government departments has limitations in execution of certain programs under certain conditions. The involvement of
NGOs will certainly be very instrumental in such situation.
Role of university: Universities may be used in designing curriculums which may help in changing the attitudes of people towards PWDs. As a large number of teachers will be required to make the pro­grams success, distance mode of education may be used. Further flexi “curriculum and evaluation” system may be designed con­sidering the needs of CWSN.
Conclusion
With the implementation of The Persons with Disabilities Act in 1995, Rights of Children to Free and Compulsory Education (RTE) Act 2009 and the adop­tion of National Policies for Person with disabilities, 2006 and the National Policy for Children 2013, the inclusive education has started gaining momentum. However the success of the inclusive education system will depend on how educators and educational systems work together.

Top 5 Challenges in Primary Education in India

Top 5 Challenges in Primary Education in India

In India major challenges in education sector lies in the rural areas. Still Indian rural areas don’t get the high quality primary education and they lack many further opportunities.

After 60 years of independence still the quality of Indian education is not changed. 70% of Indians stay in rural areas and are still unaware about the importance of the education. India has lower literacy rate than the other countries.

According to Annual Status of Education Report (ASER) 2012 only half of the children of class fifth can read the text of class second.

According to census 2011 India’s literacy level has reached 74.04% in past 10 years.

Here are some of the Top 5 Challenges in Primary Education in India
Inadequate inputs:

The biggest challenge Indian Schools is facing of inadequate inputs. In most of the states, there is a shortage of quality teachers. Even the teacher are lacking for the professional training programs. If the teachers are properly trained then they can help students also.

The less qualified teachers affect the level of teaching. Teaching profession in India is less attracted, either people with less education, living below poverty line or some having it as a hobby take the teaching profession.

The demand for teachers is more and the supply less. Still many schools face the problem of lack of infrastructure. Even today Indian schools are not maintaining the standard of education.

Teacher comes to class, teaches student the curriculum, the bright students are able to understand the subject. But what about the students who just comes to school and pick up the teachers level of teaching.

They remain back and continue twice or thrice or leave the school forever. The rate of dropout students is also high they leave the school before completing their primary education. School should take some initiatives for the students who require extra help.
Higher Education cost

Some parent can’t afford the school education fees even if they are living in the remote area or in city. 70% Indians live in rural areas and find it difficult to afford the education fees. Many Indians are living below the poverty line.
Quality of Education

All over India the quality of primary education is not maintained. There is lack of discipline, punctuality and motivation in primary education.

Students don’t get proper & complete education from schools so parents opt for the private tuition and this puts more pressure on the students.

Students in fourth grade are hardly able to read the paragraph and they are not up to their school level.
Literacy Rate

In India every state has different languages, different customs and different culture. In some societies education for the women is not considered as an important.

This keeps the children also away from the benefits of education. If the mother is educated definitely the children also gets the proper education. Children get less motivation from the illiterate parents and they remain back.

People living below the poverty line take their children to their work place so that they can earn daily wages for their parents. Indian schools should start some initiatives to teach the illiterate adults also.
Language issue

There are 1500 languages in India and it’s a difficult task for a teacher to teach every student in their own language. In urban areas parents prefer English medium for their children’s education, also now a days in remote areas English medium is preferred.

This is big challenge for the teachers to teach and to students to grasp the knowledge. Due to this the parents and children’s fail to understand.

Many Educational Instructors think that if an education is given in mother tongue to every student it benefits the students.

To achieve complete literacy in India government should take some more initiative. Government should generate more awareness among people about the importance of education. Then only India will have a different face.

Future of Online Education in India

The advanced technology is playing an important role in every field. This advanced technology has also changed the way of education. Online Education is better than the traditional classroom teaching. The future of online education is very bright in India.

People in India are moving towards the online education due to the convenience, affordable cost and the quality education and also now government is promoting the online education. In coming years still there will be a growth in the online education market.

future of online education

Indians are accepting this new medium of learning. Online education is also known as e-learning. Online education has a great scope and all those having time limitations are turning towards it. Many top universities, organizations and the colleges are accepting the online education system.

Refer – Advantages and Disadvantages of Distance Education

Online Education is affordable for students and also flexible as they can learn from their comfort place. Online education has no age bar and anyone can do the course from anywhere.

According to the recent survey after United States, India is the second highest country for the online enrolment courses all over the world. Online education in Indian schools can enhance the quality of the education.

United States have started providing the online education to the Secondary School and they are finding it as effective. Many foreign universities are offering the online degrees so no need to go to the abroad for further education.

Many top Indian universities like Sikkim Manipal, Symbiosis, IIM, IGNOU and Annamalai University are offering online distance education. They offer courses like MCA, MBA, MSc, BA (Hons),

Retail & Digital Marketing, BBA etc. The fees of these online courses are affordable for students. Online education saves money on the lectures & conferences. Also they conduct online exams time to time.

Classroom education is not suitable for everyone as in classroom there are some students whose grasping power is high and there are some who are always back. Also some students require more detailed information in classroom education, but not possible.

But in online education students can get more detailed information and also can concentrate. In classroom education teacher can’t give personal attention to each and every student. In classroom education not all students are active, some are energetic but some just sit back.

Classroom education has a limitation on the number of students, but for online education thousands can enroll for a course. For online education there is no need to stand in a queue to get an admission.

All those working professionals or a business professional who wants to do a professional course or wants to study further to improve their skills can enroll for the online education.

Online education is getting more popular in the working professional as they don’t have the time to attend the regular classes. It’s best option for them. They can enroll for online course for any time of the day.

Advantages of Online Education

Advanced teaching techniques are used to teach
Convenient
Affordable fees
Can choose the class timing as per your timing
More Revision
Saves Time & Saves Money [ No Travelling] More concentration and less disturbances
Video presentations helps students to understand quickly
From last 2 to 3 years the online education has changed the quality of education and is far better than earlier. There are some online education service providers in market who are providing the education at free of cost.

Seeing the increasing demand for the online education, many business competitors are entering this market. But all those providing the quality education will only survive in future.

Also there may be still more various courses in online education and with lots of options. The demand of the online education will create more employment for the lecturers in the future.

Still Indian parents are not finding the online education as more important than the classroom education. Government should create more awareness to change the trend.

How Much is the Cost of Education in India

How Much is the Cost of Education in India

Do you want your child’s admission in kinder garden? Or You have a child waiting to go Primary or Secondary school? Or He/she is young enough to join a bachelor degree course in a College. You might be a parent of any these aforementioned child or children. So what you have to consider first when you have a child ready to get admitted in a school or a college?

Well! I can surely say that it would be the cost of admission. Both the monthly fees and other miscellaneous expenditure related to it. Thus, in this article we will talk about issues related to education in India.

cost_of_education_in_India

How Parents Think Regarding Their Child’s Education?
Before I talk about the cost of education in India, let us first debate what parents think regarding their child’s education particularly in India. I mean, how they take education of their children. According to my personal experience, normally parents are very serious when it comes to education and career of their children.

It is a fact that most of parents in India take education as their first priority. Parents would spend less on everything else but they would never comprise on child’s education. Many parents even go to an extent that they would go hungry but still pay the monthly fees for the child. Hence, we can conclude that parents in India are really serious about their child’s future.

Why Cost is So High in India?
We all know cost of education in India is very high and it is soaring. It is a fact that still a large number of populations in our country cannot afford even primary education. Forget about the higher education.

The reason for this is very simple. Government still lacks a policy where it can regulate the private schools and colleges in a way that would guarantee that every child in India gets free and quality education. Moreover, there has been little done when it comes to physical and intellectual infrastructure.

Physical means lack of spacious classrooms and inadequate furniture. Children have to sit on ground. Intellectual means manpower to teach our children. A teacher to student’s ratio is very high and teachers are also not well trained. Then in government schools we see a trend that teachers do not teach in their regular classes and take tuition after the school is over.

Hence it means if you want to get quality teaching then you have to pay an extra money for tuition along with school fees. These things make education high in India.

Education in Private Sector vs. Government Sector
If we compare both, education given in private sector versus education in government sector then which one is good for you. Education in private schools is normally good but they are very costly.

Even fees for kinder garden are so high then you can imagine for higher education in private colleges. On the other hand, in government schools and colleges fees are very less but quality of education is surely comprised.

You will find teachers do not come to their classes because there is no accountability. Therefore, it simply means if parents have money then they opt for private schools for education and if they do not then they have no choice and send children to a nearby government school.

Cost for Primary, Secondary and Higher Education in India
Here, let me give you some figures. First is cost of getting admission in kinder garden and primary school. A private school can cost you around Rs 1500/- to Rs 2000/- per month for a child. You have to pay extra for initial deposit and it could run into lakhs of rupees.

In government school monthly fees could be 6 to 7 times less than a private school. Second is for secondary and high school. Again in private school a child can cost Rs 3000/ to Rs 4000/- per month. In a government school it could be Rs 1000/- to Rs 1500/-. Third is higher education for colleges.

Well! It could cover many disciplines like Medical, Engineering, dental, MBA etc. An engineering college course for one semester could cost Rs 50,000/- to Rs 70,000/-. A MBBS degree can cost Rs 10, 00000 to Rs 2000000/- Similarly, post graduation course like MBA could also cost in lakhs. Higher education is normally given in private institutes. There are few such government institutes where fees are relatively less.

Cost of Education in India Compared to Abroad
When we compare cost of education in India and abroad then it depends upon the courses you choose. Some courses which not available in India could cost you huge amount of money in countries like USA and UK. Courses which are readily available here do not cost much abroad because students would not like to go there.

Hence it depends upon availability of course by course. But one advantage in studying here is that you do not have to work while going to college. Abroad, you have to work because you do not have enough money to pay fees and your monthly expenditures. Hence, overall cost of education in India is less than compared to abroad.

What are Options to cut-down the Cost of Education?
As a parent your main concern should be how you can cut-down the cost of education for your child. The best way to cut-down education cost could be taking loans.

Today many banks whether government or private offer plans and scheme for child’s education. Private Banks like HDFC, ICICI etc have some great packages for child loans. You can go to their website and start learning about various loans.

As a parent you should prepare from now on if you want to give your child best education.

How to Shape Your Future Without Much of Formal Education
Finally, there is a way out if you really cannot afford education for your child. Schools and colleges are ways to impart formal education in your children. You could prepare your child for a future where he or she would require less of a formal education.

I simply mean to say starting something on your own. It could be a small business where formal education does not play any role. Here your child would need more of a real life experience rather formal education.

Hence, you could choose a career for a child that does not require much of a formal education so that you could save lakhs of rupees from spending on higher education.

Advantages and Disadvantages of Distance Education

Advantages and Disadvantages of Distance Education

As we know, world is getting small and we are living in a global village. A person sitting in one corner of the world can talk to a person sitting on the other side of the world.

Technology has really shrunk the world. Technology has affected every aspect of our daily life. No one has remained untouched with this revolution.

However, in this article we shall discuss an aspect where technology has really made a big change and that is distance education.

Now you can sit in a remote area of a country and learn everything as if you are sitting in a college classroom.

Advantages and Disadvantages of Distance Education

Distance education has really changed the way we see higher education. It is a growing phenomenon around the world and people are interested to know more about it.

Before you make a decision to join distance education you should know what are advantages and disadvantages of distance learning.

Advantages of Distance Education
Study from Anywhere, Anytime
The best thing about the distance education is you could learn it from anywhere and at anytime. It does not matter in part of the country you are living you can join the course and start learning.

Even if your course is offered by an international school you could easily get access to course material if you are a citizen of a different country.

Get all the knowledge and training anywhere you reside on the planet.

Flexibility of Time
Normally, distance education offers flexibility of time. It gives complete freedom to choose your own time for taking up the course.

If you do not have time in day then you can learn at night or some other time because only thing that you need is a computer with an internet connection.

You do not need to go in person and submit anything. Time is the most important thing and you could save it through joining distance learning.

No Commuting
I hate commuting. If you are opting for a distance education then you do not have to commute in crowded buses or local trains.

As I said earlier, you need a computer with an internet connection in your home. Entire college would be in your bedroom and you do not have to go out.

Commuting is the most difficult part because you waste a lot of time, money and more importantly the energy. No one likes commuting for long hours.

Plethora of Schools and Colleges to Choose
There are many schools and colleges now that offer distance education. Hence you will not find any problem in finding a college.

You could choose a college which is best for you. In India, IGNOU is a great university for offering distance education. Although you do have to attend few classes in a week but it gives you real flexibility.

Similarly there are many other colleges & universities like IGNOU where you can join and get your education distantly.

Lower Costs
This is another great advantage of distance education. The total cost that you incur for joining Distance College is very less compared to joining a regular college.

If you are from a poor background then you could easily afford the distance college. Moreover, the fees for certain courses are in distance learning are very less compared to learning in a full time normal college.

Hence, if you feel you have shortage of money then you could get quality education at low price.

Learn While Working
You can learn or pursue your college while you are working. As I said earlier distance education offers complete flexibility of choosing time.

The distance learning is not going to conflict with timings of your day job. You could work all day and study at night or vice-versa.

Therefore if you are a working professional then you could choose distance education without affecting your 9 to 5 job.

Moreover, it is really good for the housewives who can learn sitting in their home.

So these were advantages of distance education.

Disadvantages of Distance Education
However, with advantages there are some serious shortcomings of distance education. Here are they.

No Interaction with Teachers and Professors
The worst thing about distance education is you cannot interact with your college professor or teachers.

In fact, you cannot even talk to friends and other colleagues that you do in a normal college course.

You seriously miss the human aspect because you are only engaging with the technology and machines.

You will not be able to socially mingle with your friends and enjoy a normal college life.

Moreover, if you have any doubt then you have to clear yourself without taking help from your teacher or friends.

Lack of Seriousness, Competition and Learning Environment
Sometimes you cannot replace a real college environment with a virtual college environment on your computer.

In distance education you lack a seriousness that is present in a classroom when lecture is given by the professor.

Moreover, here you are alone and you do not have anybody to compete because you are alone.

Without any competition you tend to learn less. Therefore the overall learning environment in a distance education is lot different than a regular college.

Job Markets Do Not Accept Online Degrees
This is could be quite dangerous if you are totally relying on distance education for a degree. You might get a degree but that is not going to be recognized by privates companies in the job market and the same problem in government jobs.

Still employers prefer a degree from a regular college over online or distance education. They think that distance education is still not a serious form of education.

Therefore, if you think you will get a job with an online degree then you might be wrong.

Not All Courses Are Available and Can be Learned through Distance Education
Moreover, online courses or distance education has some serious limitations when it comes to offering courses.

You want to do specialization or major in a particular subject then it might not be available for you.

Moreover, there are certain courses in which practical demonstration is more important than lectures on videos. So you cannot learn such courses.

Format of Courses Not Suitable for Everyone
Format of online courses are not suitable for everyone. Sometimes you will not understand anything what is taught through an online video.

Certain students could never understand what they are trying to teach you.

So this is another limitation of distance education.

Internet Availability and Affordability
Finally, this is sad reality that everyone cannot afford a computer and an Internet connection because you need these things for distant learning.

All the lectures and conferences that would be given would through a webinar and you need a high speed internet connection.

Many people cannot afford it. So they cannot join a distance education college because of their financial condition.

So there were advantages and disadvantages of distance education. There are advantages and some disadvantages but the bottom line is if you want to learn something new then you could take up a distance learning course.

However, you cannot rely on it imagining that it is going to give you a job one day because employers still do not prefer distance education.

So don’t think of getting a degree through distance education but you can use it to learn something new.

10 Fundamental Problems with Education System in India

10 Fundamental Problems with Education System in India

We all want a job that pays us in six figures every month. But we are not ready to see the ground reality of our education system that how come it is going to help you in getting a job that could pay you in six figures.

With my own experience, I have jot down 10 fundamental problems with education system in our country. You need to know these 10 problems.

1. Education System Promotes Rat Race
Our education system basically promotes rat race among our children. They have to read and mug-up entire text book without any understanding of it.

So a student who scores 90 out of 100 and comes first actually remains a rat. I mean to say he or she does not have any analytical skills that a child must have.

It is time to change our education system.

2. Education Does Not Builds Persona of a Child
Unfortunately our education system is not helping to develop persona of a child. Remember, it is personality that is more important than academic qualification.

As I said earlier, our system demands good numbers from a child in an exam not to show his personality. Hence a child is not well exposed to outer world and he or she might not be able to develop a personality.

So this is another flaw in our education system.

3. No Critical Analysis, only Following the Establishment
Our children are not able to do critical analysis of anything, for example our history, culture and religion. They take the line of establishment or the views of predominant majority.

They are simply not able to look things from their own perspective. If you want a society should become a lot better than we must develop a culture of looking at things critically.

We are simply failing at this because of our education system. Children must learn to criticize our own culture and other established narratives.

4. Too Much Parochialism Rather Global Outlook
Our education teaches too much of nationalism and it could create a negative mindset in our younger generation. Loving your country is good thing but just blind love is dangerous.

In our schools children are not able to get a global outlook. It means how to see yourself that you are actually a global citizen rather confined to a place or a country.

I myself was not able to feel that I am a cosmopolitan rather I was thought to become a jingoistic.

5. Teachers Themselves are Not Trained and Efficient
To make things worse, our teachers themselves are not sufficiently trained to teach kids. They do not have proper training that how they are going to impart values in children that are going to change the future of the country.

If they can teach properly then the government does not have enough salary to pay. Hence, to improve our education system teachers should be better trained and more importantly better paid.

You cannot imagine a country without respecting teachers.

6. Medium of Language of our Education System
This is also a big problem that needs to be addressed. We are not able to decide on the medium of language of our education system.

Still emphasize is given on English where majority of children cannot understand the language. So how does they are going to understand what teachers are teaching.

Moreover, subjects like mathematics, physics and arts have nothing to do with the medium of communication. Hence, over-emphasis on English could be wrong.

7. Education Given is Irrelevant to Job-Market
This is perhaps the most apparent failure of our education system that after completing graduation in any discipline students are not able to get jobs.

It is simply because skills that are required in a job market are simply not present in a fresh graduate. All that a student is taught in his entire school and college life is almost redundant for job markets.

Skill that is required by them is not taught in schools and colleges. Hence our education system is needed to be revamped and must be designed according to our economic policies.

8. Missing Innovation & Creation because Only Aping West
If we talk about the privileged children in India then even they are not able to innovate and create new things. Although they have everything that a child need but still they lack something in them.

What they are doing is only aping western culture and not being able to do something new. On the one hand children are not able to go to schools and on other hand, if they are going then are not able to innovate or solve the problems that the country is facing.

Hence, this is yet another fundamental problem with our education system.

9. Students Happy in Getting a Highly Paid Salary Job but Lacks Ambition to Become Entrepreneur
Now, in college campuses it has become a common thing that every young student is interested in a getting a job that pays them well. However, they would never like to become an entrepreneur.

This lack of ambition does not allow our country to excel in any field. This attitude of our children making them slaves of few multinational companies.

Therefore our education system should be designed to make our children a successful entrepreneurs rather going for a salaried job.

10. Gross Failure of Our Education System to End Social Disparity
The last but not the least failure of our education system is after so many years it has not being able to reduce social disparity in our country. In fact, social disparity has gone up.

It is such a shame that education itself has become a tool for creating divisions. A child of a rich parent would get good education and a child of poor parent cannot afford even a basic education.

Government should intervene and make education its prime responsibility.

Conclusion

Finally, I would say education is very important but we spend only few percent of our GDP on education, so our government should make education its first priority and try to address issues those are mentioned in this blog.

If government is able to take note of these 10 problems then we can definitely overhaul our education system.