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        <title>Latest Money News | Top Money News Headlines Today | Today India news | Breaking Money News Today | English Money News Headlines - TheDailyGuardian</title>
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        </image><item><title>Education &amp;#038; the money plant culture in corporate times</title><link>https://latest.thedailyguardian.com/opinion/education-the-money-plant-culture-in-corporate-times/</link><pubDate>June 6, 2025, 12:44 am</pubDate><image>wp-content/uploads/2025/06/corporate.webp</image><category>Opinion</category><excerpt>A powerful reflection on how teaching lost its nobility, replaced by ambition, corporate pressure, and a decline in human values.
</excerpt><content>&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;As an old timer, I am prone to compare the lot of the teachers of yore with the teachers of today. There is a sea change in the social set up and as a result, the educational structures too have undergone transformation. In those times, the focus of education was on creating young men charged with idealism. But the modern world thinks it needs young men charged with ambition. Those times believed in goodness, while the modern times believe in smartness, which means everything except honesty and integrity which slow human growth. In the past, we could draw a vertical line between right and wrong. But, in modern times, this line remains blurred and is often found shifting. In those times, people looked upon teaching as a noble profession. However, things started deteriorating when the idea of competition started gaining ground, giving rise to the tuition culture. Teachers became professionals and facilitators. Now, educational institutions are only Convocation Centres, whereas real studies are conducted by the tuition tycoons.&lt;/p&gt;
&lt;h2 style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;They built Human Beings: We build Careers&lt;/h2&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;As per the educational policy of fifties and sixties, teachers had time to visit Libraries. They had holidays, summer vacation, autumn vacation and winter vacation to recoup their energies. They had time to indulge in discussions, and intellectual exchanges. There used to be an intellectual culture in colleges and universities. By 2000, the tuition culture had eaten into the intellectual culture after which its aura of respectability and idealism was gradually lost. Thereafter, the governments became wiser and started pulling the rug from under the feet of the teaching community.&lt;/p&gt;
&lt;h2 style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;From a Noble Profession to Business As Usual&lt;/h2&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;Due to tuition culture, teaching lost its lofty idealism and came to be regarded as business as usual. The government found teachers more busy in unionism and clamouring for their rights, rather than focusing on their duties. So, one after the other, education policies were amended which forced the teachers to stay in the colleges and schools for a certain amount of time. Up to this, there was nothing unacademic about it. But, what has now set in is a highly deplorable situation in schools and colleges.&lt;/p&gt;
&lt;h2 style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;Teachers: As Labour Force&lt;/h2&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;As we move into the 21st century, we witness a perceptible increase in the number of educational institutions. It is a matter of concern how the teachers are being treated. Teachers nowadays are looked upon as labour force. Most of the high profile schools and colleges are run by corporate bodies. Universities are owned by politicians. Education has become a commodity and the student, a consumer. The ideal of education has been entirely messed up. Teachers are either busy in clerical work, or in writing research papers to meet desired marks. Most of the times, they are forced into unproductive work as a result of which, they are losing their intellectual edge.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;No doubt, we need an educational policy which focuses on skill development, so that maximum number of students are able to get jobs or start earning their livelihood. No idealism works if one is not capable of earning his bread if not butter. However, one major question which needs to be addressed is: What type of young men and women do we want? Previously, our ideal of a University graduate was a highly cultured young man, who loves values, and his ethos, and even when he gets employment, he keeps up the profile of an educated person, who knows the difference between right and wrong.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;Today, we find ourselves mired in a situation where millions are facing unemployment. Physical survival is more eminent than any talk of imagination or creativity. Man needs money to survive and for this, they need jobs. And, then, for leading a high profile life, they need wealth and power. As they emerge from Universities, they are possessed by the ideas of higher packages, high life.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;What is wrong in it? The way we are preparing our young men, really there seems to be nothing wrong. But can we build a great nation with minds which do not believe in the essential values of life? Will these studies not destroy the goodness and the human being which our scriptures and philosophies try to build up? Already this system has destroyed the idea of goodness, values and ethos, and we will see it reflected in our culture too which will soon take a turn for the worse. The culture which is going to overtake us is what we see in OTT 18 plus serials. Dark night, young men holding saws and killer machines and cutting dead bodies.&lt;/p&gt;
&lt;h2 style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;The Corporate Culture&lt;/h2&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;The Corporate culture ensures that the young man is left with no time to be with himself. With too much emphasis on knowledge, information, books, marks, competition, examination, and targets, he is left with no time to dream. In other words, they want to kill his creativity, putting his humanity at risk.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;The Corporate systems have cut down on everything that is ‘great’ in a human being. Creativity which is responsible for evolving human consciousness and giving birth to great poets and prophets is absent from money-plant culture of educational institutions based on research, and the decline of creative environment and intellectual discourse.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;We expect our education system to be responsive to the needs of a developing economy. But we must also remember that all mechanical or technical advances are meant to serve mankind. In the face of the emergence of AI, the focus should be not on creation of wealth by destroying man’s perceptive faculties, but on building human beings as better specimens of humanity with greater powers of perception, kindness and co-existence.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;Career is a fact of life but goodness and humanity, are a fact of divinity that characterises the very existence of man, which we can deny only at the peril of losing man to the impersonal forces of materialism and technology.&lt;/p&gt;
&lt;p style=&quot;line-height: 150%; background: white; margin: 0in 0in 10.0pt 0in;&quot;&gt;Dr. Jernail S Ananad is President of International Academy of Ethics, and author of 180 books. He won the Seneca Award, the Charter of Morava, Franz Kafka and Maxim Gorky Awards. His name adorns the Poets’ Rock in Serbia.&lt;/p&gt;
</content></item><item><title>Money Vanishes from 1,500 Post Office Accounts: Deposits Range from 2 Lakhs to 12 Lakhs</title><link>https://latest.thedailyguardian.com/india/money-vanishes-from-1500-post-office-accounts-deposits-range-from-2-lakhs-to-12-lakhs/</link><pubDate>October 18, 2024, 1:44 pm</pubDate><image>wp-content/uploads/2024/10/post-office-fraud-1-300x169.jpg</image><category>India</category><excerpt>Over 1,500 villagers in Bageshwar district have reportedly lost nearly ₹2 crore in an alleged scam at the Simgarhi sub-post office, which operates under the Kameridevi post office. The fraud was discovered when account holders noticed discrepancies in their balances after the postmaster vanished without a trace. Villagers Demand Answers On Thursday, residents from nearby [&amp;hellip;]
</excerpt><content>&lt;p&gt;Over 1,500 villagers in Bageshwar district have reportedly lost nearly ₹2 crore in an alleged scam at the Simgarhi sub-post office, which operates under the Kameridevi post office. The fraud was discovered when account holders noticed discrepancies in their balances after the postmaster vanished without a trace.&lt;/p&gt;
&lt;h3&gt;&lt;strong&gt;Villagers Demand Answers&lt;/strong&gt;&lt;/h3&gt;
&lt;p&gt;On Thursday, residents from nearby villages, including Majhera, Simgarhi, Chipchipiya, and Pathkyuda, gathered at the Kameridevi post office to confront authorities about their missing funds. Many were left shocked and anxious as they checked their account balances.&lt;/p&gt;
&lt;p&gt;In response to the crisis, postal authorities have urged calm and assured villagers that a thorough investigation is underway. Rajesh Binwal, Chief Postal Superintendent of the Almora region, confirmed the inquiry, stating, &amp;#8220;We have dispatched a team to investigate, and all facts will be revealed soon. Action will be taken against those involved.&amp;#8221;&lt;/p&gt;
&lt;h3&gt;&lt;strong&gt;Victims Share Their Stories&lt;/strong&gt;&lt;/h3&gt;
&lt;p&gt;Among the victims is 70-year-old Sharda Devi, who had saved ₹2 lakh over four years. &amp;#8220;I saved every rupee. My daughter sent some money from Delhi, and I added my old-age pension. Now the account shows only ₹2,000,&amp;#8221; she said, her voice breaking with emotion. Many elderly villagers like Devi relied on the post office for their savings due to the distance to the nearest bank.&lt;/p&gt;
&lt;p&gt;Another victim, Ramesh Rathore, had deposited ₹12 lakh in fixed deposits over the years. &amp;#8220;I&amp;#8217;ve been saving for decades, and now they say my balance is zero. How will we survive?&amp;#8221; he lamented.&lt;/p&gt;
&lt;p&gt;Madan Singh, who contributed to a recurring deposit (RD) account since 2015, was devastated to find that his passbook, which once showed ₹3 lakh, now reflected only ₹33. &amp;#8220;When I saw the balance, the ground slipped from under my feet. I&amp;#8217;ve been cheated out of everything,&amp;#8221; he expressed.&lt;/p&gt;
&lt;p&gt;Village head Uttam Rathore, who organized the affected villagers at the post office, stated, &amp;#8220;Most of the post office staff are missing or on leave. The people&amp;#8217;s entire savings are gone.&amp;#8221;&lt;/p&gt;
</content></item><item><title>Menace of Online App Scams in Digital Landscape: A Reality Check</title><link>https://latest.thedailyguardian.com/opinion/menace-of-online-app-scams-in-digital-landscape-a-reality-check/</link><pubDate>September 14, 2024, 5:09 am</pubDate><image>wp-content/uploads/2024/09/online-scams-300x200.jpg</image><category>Opinion</category><excerpt>A 22-year-old student in Bengaluru allegedly ended his life at his house in HMT Layout, Jalahalli, in 2023 after being harassed by a loan app company. Tejash Nayar, a 6th-semester engineering student, had reportedly borrowed ₹46,000 using a loan app. When he was unable to repay the loan, the company executives allegedly harassed him. Unable to bear the harassment, he ended his life, after leaving behind a note apologising to his parents.
</excerpt><content>&lt;p&gt;A 22-year-old student in Bengaluru allegedly ended his life at his house in HMT Layout, Jalahalli, in 2023 after being harassed by a loan app company. Tejash Nayar, a 6th-semester engineering student, had reportedly borrowed ₹46,000 using a loan app. When he was unable to repay the loan, the company executives allegedly harassed him. Unable to bear the harassment, he ended his life, after leaving behind a note apologising to his parents.&lt;/p&gt;
&lt;p&gt;In another case, Shivani Rawat, a 23-year-old college receptionist in Delhi, faced her own ordeal. In June 2023, she applied for a 4,000 Rupees ($48) loan through an app called “Kreditbe”, since her salary was delayed. Her loan request remained pending, with no funds received. Yet, within a week, she began receiving 10-15 calls demanding 9,000 Rupees ($108) for repayment. Kreditbe’s name is a rip-off of a legitimate loan app called KreditBee, a common modus operandi for these illegal loan apps which often choose names similar to reputable brands to create a sense of authenticity.&lt;/p&gt;
&lt;p&gt;In both above mentioned cases, Nayar and Rawat had borrowed money from lending apps, which offer loans to users in a convenient, few clicks and without the extensive documentation that a traditional bank loan requires. The money is credited to the borrower’s account within a few minutes, unlike the five to seven days that a bank loan takes for borrowers who meet the high eligibility bar.&lt;/p&gt;
&lt;p&gt;These online apps lend small sums to people, charge high interest rates and often resort to torture and incessant mental harassment to make the borrowers pay up. The proliferation of fraudulent loan apps on social media platforms poses a significant risk to borrowers, with instances of outrageous interest rates and mental harassment on the rise. Despite the rapid growth in digital lending, a regulatory vacuum allows scam apps to thrive, exploiting unsuspecting users.&lt;/p&gt;
&lt;p&gt;Common Types of Online App Scams&lt;br /&gt;
One of the most prevalent scams involves fake loan apps. These apps promise instant loans with minimal documentation but charge exorbitant interest rates and processing fees. They often access the user’s contacts and harass them with constant calls and messages for repayment. Another type of online app scams is that of E-commerce Scams. Fake e-commerce apps lure users with attractive discounts on popular products. Once the payment is made, either the product never arrives, or a substandard item is delivered. In some cases, these apps disappear after collecting payments, leaving users with no recourse.&lt;br /&gt;
The scammers use another method such as the Phishing Apps, wherein these apps mimic popular services like banking, social media, or email platforms. They trick users into entering sensitive information, such as login credentials and financial details, which are then used for fraudulent activities. Scammers also target users through gaming and entertainment apps that require in-app purchases. These apps may overcharge users or collect personal data under the guise of providing enhanced gaming experiences. Fake investment apps promise high returns on investments in a short period. Users are lured into investing large sums of money, only to realize that the app is a scam when they try to withdraw their funds.&lt;/p&gt;
&lt;p&gt;Modus Operandi&lt;br /&gt;
An entire digital ecosystem has shaped up to take on such fraudulent loan-issuing apps. It was also found that borrowers use artificial-intelligence-generated ‘information packs’, which include fake government-issued ID cards (Aadhaar and PAN cards), a text message folder, a contact list and a gallery full of images, to set up their fake profiles on these apps.&lt;br /&gt;
The average loan tickets in these apps range between 10,000 Rupees to 25,000 Rupees ($120 to $300) with monthly interest rates of 20 percent to 30 percent and a processing fee that can be as much as 15 percent. Loan app representatives typically begin the recovery process 15 days after approving the loan. However, in many cases, they have been known to start harassing people just four to six days after disbursing the loan, and in Rawat’s case, it was even before she actually received the loan. Apart from the information packs used to create a fake digital trail, another requirement to scam the lending apps is an empty phone where the forged documents (Aadhaar and PAN cards) are loaded. All that this job requires is minimal editing skills on platforms like Photoshop and entry-level computer knowledge to create a database of contacts on an Excel sheet and convert it into the vCard (a Virtual Contact File) format so that Android phones can read them.&lt;br /&gt;
The fake digital history is created in such a fool-proof way that the apps are tricked into issuing the loan, which often ranges between Rs 5,000 and Rs 20,000 per week. The repayment of the money is usually sought around the fifth day after the loan is issued. These apps then threaten borrowers with the personal data collected from their phones during the loan application process. Apart from access to borrowers’ contact lists, text messages, call logs and photo galleries, the apps also have access to their Aadhaar and PAN card details. If borrowers default, they are abused and harassed during the recovery process.&lt;/p&gt;
&lt;p&gt;The Impact of Online App Scams&lt;br /&gt;
The financial impact of these scams is substantial, with victims losing thousands of rupees. Beyond the immediate financial loss, the emotional and psychological toll on victims is severe. Many users feel embarrassed and guilty for falling prey to these scams, which can lead to a loss of trust in digital platforms and financial services. Moreover, these scams can have broader economic implications, as they undermine consumer confidence in online transactions and digital financial services. This distrust can slow down the adoption of digital payment systems and other online services, hindering the progress towards a digital economy.&lt;/p&gt;
&lt;p&gt;Combating Online App Scams&lt;br /&gt;
Addressing the issue of online app scams requires a multi-faceted approach involving technology, regulation, and user awareness.  The government banned 94 lending apps, which included names like BuddyLoan, CashTM, Indiabulls Home Loans, PayMe, Faircent, and RupeeRedee. These apps had been flagged by the RBI for various reasons, and many of them had either Chinese investors or had been involved in harassing borrowers. Some of these apps, including RupeeRedee, have said that they were being impersonated by scammers. Despite the action taken, the government and regulatory bodies need to enforce stringent regulations for app stores and developers. Ensuring that all apps undergo rigorous verification processes before being listed can help reduce the number of fraudulent apps. The Reserve Bank of India (RBI) and other financial regulators should also monitor and act against fake financial apps.&lt;br /&gt;
Another step that can be taken is that Advances in technology, such as artificial intelligence and machine learning, can help detect and prevent fraudulent apps. App stores can employ these technologies to scan for malicious code and suspicious behavior patterns. Additionally, cybersecurity firms can develop tools to identify and report fraudulent apps in real-time.&lt;br /&gt;
Educating users about the risks associated with online apps and how to identify potential scams is crucial. Campaigns through social media, traditional media, and community programs can raise awareness. Users should be encouraged to download apps only from official app stores and to check reviews and ratings before installation.&lt;br /&gt;
A collaborative effort between the government, tech companies, financial institutions, and cybersecurity experts is essential. Sharing information about new scams and developing joint strategies can enhance the overall security of the digital ecosystem.&lt;/p&gt;
&lt;p&gt;Way Ahead&lt;br /&gt;
Online app scams in India represent a significant challenge in the digital age. While technology and regulation play crucial roles in combating these scams, the importance of user awareness and education cannot be overstated. By adopting a comprehensive approach that combines regulation, technology, and public awareness, India can create a safer digital environment for its users and ensure the continued growth and trust in digital services.&lt;/p&gt;
&lt;p&gt;&lt;em&gt;Dr.S.Krishnan is an Associate Professor in Seedling School of Law and Governance, Jaipur National University, Jaipur. &lt;/em&gt;&lt;br /&gt;
&lt;em&gt;Mr. Rajvardhan Sinha is a 4th year student of BALLB in Seedling School of Law and Governance, Jaipur National University, Jaipur.&lt;/em&gt;&lt;/p&gt;
</content></item><item><title>India&amp;#8217;s foreign exchange reserves decline by USD 2.8 billion</title><link>https://latest.thedailyguardian.com/india/indias-foreign-exchange-reserves-decline-by-usd-2-8-billion/</link><pubDate>January 27, 2024, 10:28 am</pubDate><image>wp-content/uploads/2024/01/Untitled-design-2-30-300x169.jpg</image><category>Australia</category><excerpt>According to the latest data released by the Reserve Bank of India (RBI), India&amp;#8217;s foreign exchange reserves witnessed a decline of USD 2.795 billion, reaching USD 616.143 billion for the week ending on January 19, 2023. The central bank&amp;#8217;s weekly statistical data revealed that during the same period, the country&amp;#8217;s foreign currency assets (FCA), the [&amp;hellip;]
</excerpt><content>&lt;p&gt;According to the latest data released by the Reserve Bank of India (RBI), India&amp;#8217;s foreign exchange reserves witnessed a decline of USD 2.795 billion, reaching USD 616.143 billion for the week ending on January 19, 2023. The central bank&amp;#8217;s weekly statistical data revealed that during the same period, the country&amp;#8217;s foreign currency assets (FCA), the largest component of the forex reserves, decreased by USD 2.653 billion, settling at USD 545.855 billion. Gold reserves also experienced a decline of USD 34 million, reaching USD 47.212 billion.&lt;/p&gt;
&lt;p&gt;In the calendar year 2023, the RBI augmented its foreign exchange reserves by approximately USD 58 billion. This contrasts with the cumulative decrease of USD 71 billion in India&amp;#8217;s forex reserves in 2022. Forex reserves, or foreign exchange reserves (FX reserves), constitute assets held by a nation&amp;#8217;s central bank or monetary authority. Typically denominated in reserve currencies such as the US Dollar, Euro, Japanese Yen, and Pound Sterling, these reserves serve as a safeguard against external economic uncertainties.&lt;/p&gt;
&lt;p&gt;In October 2021, India&amp;#8217;s foreign exchange reserves achieved an all-time high of around USD 645 billion. The subsequent marginal decline in reserves, particularly in 2022, was influenced by factors such as the increased cost of imported goods. Additionally, the fluctuation in forex reserves could be linked to periodic interventions by the RBI in the market, aiming to curb the rupee&amp;#8217;s depreciation against a strengthening US dollar.&lt;/p&gt;
&lt;p&gt;The RBI&amp;#8217;s interventions in the market involve liquidity management, including the sale of dollars, to prevent excessive depreciation of the rupee. The central bank, which closely monitors foreign exchange markets, engages in interventions to maintain orderly market conditions and curb excessive volatility in the exchange rate. Importantly, the RBI&amp;#8217;s interventions are conducted without a predetermined target level or band, emphasizing the commitment to preserving market stability.&lt;/p&gt;
</content></item><item><title>Pakistan lost USD 8.3 billion in remittances, exports in previous fiscal year</title><link>https://latest.thedailyguardian.com/others/pakistan-lost-usd-8-3-billion-in-remittances-exports-in-previous-fiscal-year/</link><pubDate>July 16, 2023, 7:15 pm</pubDate><image></image><category>Others</category><excerpt>According to Dawn, Pakistan lost USD 8.3 billion in remittances and exports during the previous fiscal year because the Pakistan Muslim League-Nawaz (PML-N)-led coalition government decided to satisfy the International Monetary Fund (IMF) for a USD 1.2 billion tranche. Due to a failure to pay attention to these two large inflows, Pakistan lost significantly more [&amp;hellip;]
</excerpt><content>&lt;p&gt;According to Dawn, Pakistan lost USD 8.3 billion in remittances and exports during the previous fiscal year because the Pakistan Muslim League-Nawaz (PML-N)-led coalition government decided to satisfy the International Monetary Fund (IMF) for a USD 1.2 billion tranche.&lt;/p&gt;
&lt;p&gt;Due to a failure to pay attention to these two large inflows, Pakistan lost significantly more than it earned from IMF borrowings and other sources. According to Dawn, in exchange for a tremendous tax burden, historically high interest rates, and record inflation and currency depreciation in FY23, Pakistan received a nine-month USD 3 billion loan package for FY24.&lt;/p&gt;
&lt;p&gt;Remittances fell 13.6 percent to USD 27.024 billion in FY22, down from USD 31.278 billion in FY22, a loss of USD 4.252 billion.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
</content></item><item><title>Manage Your Energy, Not Your Time</title><link>https://latest.thedailyguardian.com/royally-speaking/manage-your-energy-not-your-time/</link><pubDate>May 21, 2023, 11:31 pm</pubDate><image>wp-content/uploads/2023/05/randomly-speaking-300x168.jpg</image><category>Royally Speaking</category><excerpt>Energy, not time, is the fundamental currency of high performance. Managing your energy rather than your time will help you stay physically energized, emotionally connected, mentally focused, and spiritually aligned –say Jim Loehr and Tony Schwartz How many times have you heard the phrase &amp;amp; quote; wake up early so you can complete all of [&amp;hellip;]
</excerpt><content>&lt;p&gt;Energy, not time, is the fundamental currency of high performance. Managing your energy rather than your time will help you stay physically energized, emotionally connected, mentally focused, and spiritually aligned –say Jim Loehr and Tony Schwartz How many times have you heard the phrase &amp;amp; quote; wake up early so you can complete all of your tasks?&amp;amp;quot; That advice looks sound. Start early, finish early.&lt;/p&gt;
&lt;p&gt;The problem is that it doesn’t work for everyone. Not for the people who are night owls. For night owls, waking up early can lead to fatigue and decreased productivity throughout the day. People have different biological clocks as also people have different work schedules and demands on their time, so it cannot be a one-size-fits-all approach. Several theories have traditionally suggested that 3:30-5:30am is the most productive time when the dopamine release is high, with changing times and a large number of youth staying up till 3:00am the current behavioural changes need to be recognised and addressed.&lt;/p&gt;
&lt;p&gt;Not everyone is watching Netflix or gaming online till 3.00am, a lot of writers and artists are doing creative work and lots of business people are unwinding. If we study the time schedules and work patterns of people it will be evident that some people perform better early in the morning, while others perform better later in the day. So, it’s clear that there is something more important than time that people are managing to be successful. And that important factor is “energy”. &amp;amp;quot;While the number of hours in a day is fixed, the quantity and quality of energy available to us is not,” say Loehr and Schwartz. Here’s suggesting three Tips for Managing Your Energy More Effectively During the Workday&lt;/p&gt;
&lt;p&gt;1. Identify your peak hours: Energy management starts with identifying your most productive hours of the day. For one week, keep track of your working habits and make a list of the times when you got the most done. Keep an eye and you will notice a high and low energy pattern. Use your high energy hours for high priority tasks.&lt;/p&gt;
&lt;p&gt;2. Monotask, don’t multitask: &amp;amp; quote; Monotasking &amp;amp; quote; is a more effective approach to working from the perspective of energy management. Monotasking refers to&lt;br /&gt;
combining similar work tasks. Examples include making phone calls, preparing proposals, maintaining your website, producing marketing materials, etc.&lt;/p&gt;
&lt;p&gt;3. Pace yourself like a top performer: What do the best chess players, actresses, and musicians have in common with the best athletes? It&amp;amp;#39;s interval training, says Florida State University&amp;amp;#39;s K. Anders Ericsson and colleagues.&lt;br /&gt;
The research team at Ericsson discovered that these professionals were most productive when they worked in concentrated 90-minute sessions interspersed with rest periods. Listening to your body is essential for energy management. Your mind, body, spirit, and emotions are all extremely intelligent. They will tell you what they need and when they need it. It is up to you to listen. So, be smart and manage your energy and not your time.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;img loading=&quot;lazy&quot; decoding=&quot;async&quot; class=&quot;alignnone size-full wp-image-204706&quot; src=&quot;https://latest.thedailyguardian.com/wp-content/uploads/2023/05/Manjula-Pooja-Shroff_GREY-2-1.png&quot; alt=&quot;&quot; width=&quot;254&quot; height=&quot;300&quot; srcset=&quot;https://latest.thedailyguardian.com/wp-content/uploads/2023/05/Manjula-Pooja-Shroff_GREY-2-1.png 254w, https://latest.thedailyguardian.com/wp-content/uploads/2023/05/Manjula-Pooja-Shroff_GREY-2-1-150x177.png 150w&quot; sizes=&quot;auto, (max-width: 254px) 100vw, 254px&quot; /&gt;&lt;/p&gt;
&lt;p&gt;Dr Manjula Pooja Shroff MD, CEO Kalorex Group.&lt;/p&gt;
</content></item><item><title>Himachal CM Sukhu increases award money for women</title><link>https://latest.thedailyguardian.com/others/himachal-cm-sukhu-increases-award-money-for-women/</link><pubDate>March 7, 2023, 6:08 pm</pubDate><image>wp-content/uploads/2023/03/himachal-cm-300x225.jpg</image><category>Others</category><excerpt>On Monday, Himachal Pradesh CM Thakur Sukhvinder Singh Sukhu announced to increase the amount of the &amp;#8220;HP Mahila Vikas Protsahan Puraskar&amp;#8217; from Rs. 21,000 to Rs. 1 lakh and district-level awards from Rs. 5,000 to Rs. 25,000. Organized by the Social Justice and Empowerment Department, this award is presented to several women for their contributions [&amp;hellip;]
</excerpt><content>&lt;p style=&quot;color: #252525&quot;&gt;On Monday, Himachal Pradesh CM Thakur Sukhvinder Singh Sukhu announced to increase the amount of the &amp;#8220;HP Mahila Vikas Protsahan Puraskar&amp;#8217; from Rs. 21,000 to Rs. 1 lakh and district-level awards from Rs. 5,000 to Rs. 25,000. Organized by the Social Justice and Empowerment Department, this award is presented to several women for their contributions in different fields. Yesterday, ahead of &amp;#8216;International Women&amp;#8217;s Day,&amp;#8221; CM Sukhu participated in a state-level function in Shimla and awarded three women with the &amp;#8220;Protsahan Puraskar,&amp;#8221; and many others were awarded in different fields, such as the &amp;#8220;Utkrisht Award for Women.&lt;/p&gt;
&lt;p style=&quot;color: #252525&quot;&gt;Addressing the function, CM Sukhu on Monday said that &amp;#8220;women are the pillars of society.&amp;#8221; He added that &amp;#8220;we shall be celebrating International Women&amp;#8217;s Day on March 8, but people will be celebrating Holi on the same day as well. Thus, we&amp;#8217;ve arranged the programme for women&amp;#8217;s day today and are really happy to greet all the women on this occasion. Women have been playing an important role in society,&amp;#8221; he added.&lt;/p&gt;
&lt;p style=&quot;color: #252525&quot;&gt;CM Sukhu said, &amp;#8220;The 73rd and 74th amendment bills were passed under the leadership of late Indian PM Rajiv Gandhi and they provide 33% reservation to women.&amp;#8221; He made this comment while talking about the reservation granted to women through the 73rd and 74th amendment bills. Encouraging other women to come forward and serve society, an award-winning woman, Devkanya Thakur, said, &amp;#8220;An aware woman can change society and the world. I would appeal to the young women to come forward to serve the society instead of grooming themselves.&amp;#8221;&lt;/p&gt;
</content></item><item><title>2 held with Rs 28 lakh cash in UP</title><link>https://latest.thedailyguardian.com/others/2-held-with-rs-28-lakh-cash-in-up/</link><pubDate>January 20, 2023, 3:42 pm</pubDate><image></image><category>Others</category><excerpt>Two people have been held by the Government Railway Police (GRP) with Rs 28 lakh in cash in Chandauli, Uttar Pradesh. During checking two men were caught who were carrying cash in the bag. &amp;#8220;During checking two men were caught carrying Rs 28 lakh cash in a bag. When asked about the money, they were [&amp;hellip;]
</excerpt><content>
&lt;p&gt;Two people have been held by the Government Railway Police (GRP) with Rs 28 lakh in cash in Chandauli, Uttar Pradesh. During checking two men were caught who were carrying cash in the bag. &amp;#8220;During checking two men were caught carrying Rs 28 lakh cash in a bag. When asked about the money, they were not having any documents regarding the money. We have also informed the Income Tax Department regarding the recovered money for action,&amp;#8221; officials said. However, further investigation is underway.&lt;/p&gt;
</content></item><item><title>Man stabs woman to death for failing to return money in Bihar, 2 arrested</title><link>https://latest.thedailyguardian.com/others/man-stabs-woman-to-death-for-failing-to-return-money-in-bihar-2-arrested/</link><pubDate>December 6, 2022, 2:53 pm</pubDate><image></image><category>Others</category><excerpt>A woman was fatally stabbed on Saturday in the Bhagalpur district of Bihar. Shakeel Miyan, the accused, allegedly attacked her after the victim allegedly failed to pay back the money she had borrowed from Miyan for her daughter&amp;#8217;s wedding. The police claim that the accused chopped off the victim&amp;#8217;s limbs. Bhagalpur&amp;#8217;s Superintendent of Police (SP) [&amp;hellip;]
</excerpt><content>
&lt;p&gt;A woman was fatally stabbed on Saturday in the Bhagalpur district of Bihar. Shakeel Miyan, the accused, allegedly attacked her after the victim allegedly failed to pay back the money she had borrowed from Miyan for her daughter&amp;#8217;s wedding. The police claim that the accused chopped off the victim&amp;#8217;s limbs.&lt;/p&gt;



&lt;p&gt;Bhagalpur&amp;#8217;s Superintendent of Police (SP) said that two people have been arrested after the victim&amp;#8217;s family named them.&lt;/p&gt;



&lt;p&gt;&amp;#8220;It was found that the deceased and the accused were neighbours and they had friendly relations. The victim had borrowed money from him for her daughter&amp;#8217;s wedding but was unable to return it. Due to this, the accused attacked her with a sharp weapon,&amp;#8221; the police told news agency ANI.&lt;/p&gt;



&lt;p&gt;The victim was rushed to the hospital, where she was declared dead.&lt;/p&gt;



&lt;p&gt;A garment factory employee was arrested in Mumbai for reportedly stabbing a coworker in the chest with a pair of scissors in a related incident. Together at a garment factory in Santacruz&amp;#8217;s New Agripada neighbourhood, the 20-year-old accused and the 19-year-old victim were talking on Sunday night when the incident happened, according to PTI, citing police officials.&lt;/p&gt;



&lt;p&gt;&amp;#8220;After the teen was stabbed, he was rushed by colleagues to a nearby hospital. He initially told police he fell from the stairs. However, just before passing away, the victim narrated the chain of events, after which we arrested his colleague,&amp;#8221; the official said.&lt;/p&gt;
</content></item><item><title>Man harassed and extorted money from woman, held</title><link>https://latest.thedailyguardian.com/others/man-harassed-and-extorted-money-from-woman-held/</link><pubDate>October 23, 2022, 7:31 pm</pubDate><image></image><category>Others</category><excerpt>Man harassed and extorted money from woman, held A man allegedly blackmailed, harassed, and extorted Rs 7 lakh from a woman in exchange for the deletion of pictures circulated online, police officials said on Sunday. Anshul Srivastava, a one-sided lover who tormented the accused through emails, messages, and the uploading of images to social media [&amp;hellip;]
</excerpt><content>
&lt;p&gt;Man harassed and extorted money from woman, held&lt;/p&gt;



&lt;p&gt;A man allegedly blackmailed, harassed, and extorted Rs 7 lakh from a woman in exchange for the deletion of pictures circulated online, police officials said on Sunday.&lt;/p&gt;



&lt;p&gt;Anshul Srivastava, a one-sided lover who tormented the accused through emails, messages, and the uploading of images to social media without the complainant&amp;#8217;s permission, has been named as the accused.&lt;/p&gt;



&lt;p&gt;&amp;#8220;The woman filed a complaint that one person is continuously harassing, threatening, and bullying her through emails, messages and uploading pictures without her consent on various social media platforms. The accused was defaming her by sending her pictures to her friends and family and demanded Rs. 7,00,000 from the complainant to delete/remove the pictures from the sites,&amp;#8221; said Deputy Commissioner of Police, South West District, New Delhi, Manoj C.&lt;/p&gt;



&lt;p&gt;According to the police, the accused&amp;#8217;s possessions included one mobile phone, two sim cards, two ATM cards, and one bank chequebook.&lt;/p&gt;



&lt;p&gt;&amp;#8220;On October 21, the team with the help of local police staff succeeded to apprehend the accused and after sustained interrogation, he disclosed the commission of the crime. In his instance, one mobile phone, two alleged sim cards, two alleged atm cards, and one bank chequebook were recovered,&amp;#8221; said the Deputy Commissioner of Police.&lt;/p&gt;



&lt;p&gt;On further interrogation, it was found that the accused was in love with the complainant and became over-possessive about her colleagues and friends.&lt;br /&gt;&amp;#8220;Despite her not responding to his activities, he kept trying to impress her and kept sending e-mails. He used the app INDYCALL to use proxy numbers to call the complainant. Thereafter, he even threatened her elder sister to give him Rs. 10,00,000 or be engaged with him for his lustful desire to delete her sister&amp;#8217;s photos,&amp;#8221; said Manoj C.&lt;br /&gt;The police have registered an FIR under 354A/384/506/499/420/509 of the Indian Penal Code (IPC).&lt;/p&gt;
</content></item><item><title>Money Laundering: Chhattisgarh court orders the ED to keep an IAS officer and two others in custody</title><link>https://latest.thedailyguardian.com/legally-speaking/money-laundering-chhattisgarh-court-orders-the-ed-to-keep-an-ias-officer-and-two-others-in-custody/</link><pubDate>October 22, 2022, 1:23 pm</pubDate><image></image><category>Legally Speaking</category><excerpt>Chhattisgarh special court on Friday extended the Enforcement Directorate&amp;#8217;s (ED) custody of an Indian Administrative Service (IAS) officer and two others in a money laundering case involving the alleged extortion of money from coal and mining transporters in the state. Ajay Singh Rajput, an additional district and sessions judge, extended the detention of IAS officer [&amp;hellip;]
</excerpt><content>
&lt;p&gt;Chhattisgarh special court on Friday extended the Enforcement Directorate&amp;#8217;s (ED) custody of an Indian Administrative Service (IAS) officer and two others in a money laundering case involving the alleged extortion of money from coal and mining transporters in the state.&lt;/p&gt;



&lt;p&gt;Ajay Singh Rajput, an additional district and sessions judge, extended the detention of IAS officer Sameer Vishnoi, businessman Sunil Agrawal, and Laxmikant Tiwari, the uncle of absconding coal businessman Suryakant Tiwari.&lt;/p&gt;



&lt;p&gt;“The accused were produced before the court on expiry of their eight-day ED custody,” Tiwari’s lawyer Faizal Rizvi told reporters.&lt;/p&gt;



&lt;p&gt;ED on October 13 arrested Vishnoi, Agrawal and Tiwar after it launched multi-city raids in the state on October 11. The trio was arrested under the Prevention of Money Laundering Act (PMLA).&lt;/p&gt;



&lt;p&gt;In a statement issued on October 14, the ED claimed that a &amp;#8220;massive scam&amp;#8221; was taking place in coal transportation in Chhattisgarh, with a &amp;#8220;cartel&amp;#8221; of politicians, officers, and others allegedly running a &amp;#8220;parallel system of extorting illegal levy,&amp;#8221; generating approximately 2-3 crore daily.&lt;/p&gt;



&lt;p&gt;The investigation agency claimed that Vishnoi and his wife were in possession of $47 lakh in &amp;#8220;unaccounted&amp;#8221; cash and 4 kg of gold jewellery.&lt;/p&gt;



&lt;p&gt;Raids on the homes of two other IAS officers, Raigarh collector Ranu Sahu and her husband JP Maurya, director of the mining department, were also conducted.&lt;/p&gt;
</content></item><item><title>5 of the strangest things that have fallen from the sky</title><link>https://latest.thedailyguardian.com/others/strangest-things-falling-from-the-sky/</link><pubDate>October 4, 2022, 6:20 pm</pubDate><image></image><category>Others</category><excerpt>What have you seen falling from the sky other than rain or snow? Can you imagine if fish, spiders, or even a strange substance that looked a whole lot like blood started raining down from above? Well, some people around the world certainly can! Here are some of the weirdest things that have ever fallen [&amp;hellip;]
</excerpt><content>
&lt;p&gt;What have you seen falling from the sky other than rain or snow? Can you imagine if fish, spiders, or even a strange substance that looked a whole lot like blood started raining down from above? Well, some people around the world certainly can! Here are some of the weirdest things that have ever fallen from the sky.&lt;/p&gt;



&lt;ol class=&quot;wp-block-list&quot;&gt;
&lt;li&gt;&lt;strong&gt;Fish&lt;/strong&gt;&lt;/li&gt;
&lt;/ol&gt;



&lt;p&gt;Can you imagine fishes falling from the sky? It is going to be a weird sight for sure. But there is an explanation for this. In coastal areas, stormy weather can create a waterspout, a tornado-like phenomenon that can suck marine life out of bodies of water like lakes and oceans. The wind will then carry the fish inland, where they’ll come tumbling to the ground. It’s been documented everywhere from Sri Lanka to Australia to Mexico, and &lt;a href=&quot;https://www.npr.org/sections/thetwo-way/2017/09/28/554242564/it-rained-fish-in-mexico-authorities-say-no-its-not-the-end-times-we-think&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;as recently as 2017&lt;/a&gt;. Sometimes, if the fish are edible, residents of the affected communities will celebrate the “fish rain” as a boon. &lt;/p&gt;



&lt;p&gt;2. &lt;strong&gt;Frogs&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Frogs can also become a victim of waterspouts, due to which they fall on the land surprising the people living on the land. Ancient Greek philosopher Heraclides Lembus wrote about instances when so many frogs rained from the sky that “the houses and the roads have been full of them,” and in 2005, residents of &lt;a href=&quot;https://www.news24.com/SciTech/News/Its-raining-frogs-in-Serbia-20050607&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;Odzaci, Serbia&lt;/a&gt;, saw thousands of tiny frogs fall with passing storm clouds. Though sometimes, the lengthy fall will kill the critters, other times, they will hop and amble around their new locality. In Serbia, for instance, villagers reported that the fallen frogs simply hopped away to look for water.&lt;/p&gt;



&lt;p&gt;3. &lt;strong&gt;Golf Balls&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Anyone would be surprised but this has happened in Florida in 1969. Perhaps even weirder, no local golf courses were missing any balls. The reason was never entirely confirmed, but most experts theorized that a waterspout scooped up all of the golf balls that had been hit into the water by errant golfers.&lt;/p&gt;



&lt;p&gt;4. &lt;strong&gt;Spiders&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Creepy spiders falling from the sky can make anyone wants to disappear. It happened &lt;a href=&quot;https://time.com/3882445/raining-spiders-australia/&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;in 2015&lt;/a&gt; in Australia, and then even more recently &lt;a href=&quot;https://www.smithsonianmag.com/science-nature/its-raining-spiders-in-brazil-19885877/&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;in Brazil in 2019&lt;/a&gt;. But, unlike the fish and the frogs, the spiders were not yanked from their homes by violent storms. The spider rains result from a process called “ballooning,” where the spiders produce filaments to launch themselves into the air. They do this in an attempt to catch an air current and travel to a new location, and it’s something they do fairly often. So why aren’t spider rains more common, you ask? That’s because it’s &lt;a href=&quot;https://www.livescience.com/50856-spider-rain-explained.html&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;very uncommon&lt;/a&gt; for huge amounts of spiders to do this at the same time.&lt;/p&gt;



&lt;p&gt;5. &lt;strong&gt;Money&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;The only rain that is pretty is raining money. Raining money has occurred several times throughout history, some of them recently. In 2015, hundreds of thousands of dollars worth of United Arab Emirates dirham currency showered over Kuwait City. In Serbia, a plane carrying gold and diamonds spilled some cargo over the airport runway &lt;a href=&quot;https://www.livescience.com/62039-siberia-cargo-plane-gold-diamond-rain.html&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;in 2018&lt;/a&gt;. Back stateside, Indianapolis experienced a similar phenomenon &lt;a href=&quot;https://www.nbcchicago.com/news/local/indianapolis-money-building-floating-411934025.html&quot; target=&quot;_blank&quot; rel=&quot;noreferrer noopener&quot;&gt;in 2017&lt;/a&gt; when an electrician noticed around $200 worth of bills blowing off of a roof where he was working. &lt;/p&gt;
</content></item><item><title>Five ways to have fun without spending money</title><link>https://latest.thedailyguardian.com/others/five-ways-to-have-fun-without-spending-money/</link><pubDate>September 7, 2022, 5:14 pm</pubDate><image></image><category>Others</category><excerpt>Little things can make you happy. It’s no secret that attending the hottest concert in town, visiting a club, and catching a movie with your friend at the theater can be expensive but with a little creativity, you&amp;#8217;ll feel like a tourist in your hometown without spending money on your wallets. Michelle McGagh a freelance [&amp;hellip;]
</excerpt><content>
&lt;p&gt;Little things can make you happy. It’s no secret that attending the hottest concert in town, visiting a club, and catching a movie with your friend at the theater can be expensive but with a little creativity, you&amp;#8217;ll feel like a tourist in your hometown without spending money on your wallets. Michelle McGagh a freelance personal finance journalist also decided not to spend money for an entire year and about this, she wrote in &amp;#8220;The No Spend Year: How You Can Spend Less and Live More.&amp;#8221; In the entire year, McGagh saved 22,000 euros. If she can do this why can&amp;#8217;t we? Here are five ideas you can consider to have fun without spending money through which you can entertain your mood.&lt;/p&gt;



&lt;p&gt;&lt;strong&gt;A movie night/Game night&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;If you don’t feel like going out and spending a lot of money you can host a movie night either with your friends or you can enjoy it alone having a bowl of popcorn in your hand. If in case you are not a movie person then you can also have a game night with your friends and can play your favorite board game. If you want to spend the night alone and want to have your time then you can play games online or instead of games you can watch any series that you always wanted to watch but due to time management, you couldn&amp;#8217;t make it.&lt;/p&gt;



&lt;p&gt;&lt;strong&gt;Look for constellations&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Looking up at the sky one will experience the sky has enchanted and mystified humanity for all of our existence and will not cost you anything. Looking at the sky, stars, and moon is one of the best things to do at night. Peacefully at night you can lie down and can experience the beauty above you. People who have a telescope can get involved in looking up at the sky and also identify what stars and planets they’re actually looking at.&lt;/p&gt;



&lt;p&gt;&lt;strong&gt;Go Camping&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Camping may not be the first thing that comes to your mind when looking for fun things to do without spending money but a way to have fun without spending money is camping. With no cost, you can camp on most national forest land which is called dispersed camping but for that, you have to follow some specific rules like developed campgrounds and a certain distance from water sources. If not the in the forest you can also pitch in your garden and have a bonfire night with your friends.&lt;/p&gt;



&lt;p&gt;&lt;strong&gt;Go bird-watching&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;Like sky/star watching at the night, you can go bird-watching. It sounds a little weird but it&amp;#8217;s a fun thing to do without spending money. If you’re not a bird expert all you need is a bird book and binoculars to get started and see how many birds you can spot in your hometown. In the biggest cities, it is hard to find birds that is a challenge and fun how many species of birds you saw in your city.&lt;/p&gt;



&lt;p&gt;&lt;strong&gt;Go window shopping&lt;/strong&gt;&lt;/p&gt;



&lt;p&gt;For years we have been window shopping but if you don&amp;#8217;t want to shop and spend money on buying new stuff then window shopping is just for you which is one of the best and most fun things to do without spending a single penny. If you are worried that you will buy something then simply leave your wallet at home. You can simply look at well-displayed pieces of stuff around the shop.&lt;/p&gt;
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