Archive | May 27, 2017

Cbse India Introduces A Common Syllabus For Maths & Science!

The Union Ministry of Human Resource and CBSE India are leaving no stone unturned to make lives easy for school students across the various boards in India! The latest stride towards this endeavor is the introduction of a common syllabus for Maths and Science for the students of classes XI and XII across all the educational boards. Therefore, from the academic year starting 2011-12, students from all the boards in the country can look forward to a uniform syllabus!

An initiative like this by CBSE India will ensure a level playing field for all the students while they prepare for their engineering and medical entrance examinations. Hence, while all you students studying in classes XI & XII, preparing for your national level engineering and medical entrance exams from the year 2012, need no longer worry about the extensive syllabi covered by your friend in CBSE or other national/ state board.

A common syllabus is just the first step by the Human Resource Ministry and CBSE India towards a flexible pattern of education that is comparable to the education systems existing in the West. CBSE India also has plans in the pipeline to conduct a common entrance exam for Medical and Engineering courses in India by 2013. If such a plan by CBSE India gains acceptance from all the academic corners in the country, life after class XII is only set to get easier for students.

However, implementation of a common syllabus by CBSE India has also garnered a lot of criticism by NCERT. NCERT is of the view that Council of School Board of Education (COBSE) has no right to push the common syllabus agenda. NCERT believes that the decision to undertake any curriculum revision exercise should rightfully rest with itself as NCERT has been instrumental in all such changes over the past years. It also believes that COBSE is just a coordinating body between the various school boards in the country.

Amidst all this controversy, major stakes are now on successful implementation of this common syllabus scheme for Maths and Science. Success of a common syllabus like this could also spread cheer in the lives of students studying in the Commerce and Humanities streams. Talks are around for a uniform syllabus for various subjects in these streams as well. What more could have students asked for to ensure a smooth and stress-free studying experience!

There are various websites that provide CBSE-aligned learning resources for students studying in classes V-XII. A common syllabus for Maths and Science will also ensure that more students can now seek help from such websites and reap benefits of quality and extensive learning resources.

All students studying under CBSE India can expect a lot of good news in the near future as well.

All the best for the future!

Importance Of Installing Antivirus Software

In today’s time, there are a lot of things that you may want to avoid on the internet as well as on the removable drives that you stick into your computer and these things are known as viruses. Yes, viruses can ruin your entire computer system in just such a small period of time and if you do not have protection against such then you may lose all your important data saved on your computer. Here are some of the most important reasons on why you need to have antivirus software installed on your computer.

The very first thing that you have to consider is the fact that there are a lot of threats out there especially if your computer is connected to the internet. You have to really have a protection against these threats and one of the best protections out there is antivirus software. e.

An antivirus program protects you against the known threats online such as viruses, worms, Trojans, spyware, and even adware. A good antivirus application pretty much does it all for you in order to make you own computer system secured and safe. But if your main concern is budget then you still do not have to worry since there are a lot of free and yet dependable antivirus programs on the internet that provide the basic protection that you need for your computer system.

When you are choosing the right antivirus program, you have to make sure that it has the features that you are looking for such as spam blocker, anti-rootkit, and pop-up blocker. You can have all these protections if you choose paid subscriptions or if you pay for the license. This is one of the advantages of choosing paid antivirus programs as compared to just choosing a free one over the internet.

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RTI Helps You Get Rid Of Software Performance Diagnosis Issues

Initially RTI was designed to be a kind of software product, but later on it became effective performance diagnostic software. RTI has been built with all the capabilities that are required to resolve performance issues and this is the reason that it is being used by many across the globe. One interesting feature of RTI that makes it an idyllic tool is its end to end visibility support. It can easily diagnose the performance bottlenecks for web application tiers in the java applications.

As RTI is lightweight software, performance testers do not need to worry about infrastructure impact, complexity and performance overhead. Usage of RTI is going to lower the cost of entry and eliminate the need of costly maintenance. RTI can be a good tool for any organization that is eager to perform performance diagnosis and identify the areas that are creating performance related issues.

Another important area where RTI scores high is that it is not meant for the performance testers only, everyone in the organization can use it. RTI can be used by developers, performance testers and IT managers in their respective areas to maximize the performance after diagnosing the bottlenecks.

Performance Testers & RTI

Performance testers and engineers are responsible for both designing and verifying a system to assure that it is working perfectly. Some of the common issues that can be easily dealt with RTI include failover, scalability and transaction times. RTI allows performance testers to carry out software performance diagnosis by gaining an in depth knowledge about a product.

RTI easily integrates with the test automation frameworks and this allows testers to not only diagnose the root cause of the failure, but also resolve the performance issues causing the breakdown.

Developers Can Use RTI For Quantifying & Diagnosing Application Performance

Developers can use RTI to diagnose the complex software performance issues and the defects at all the levels. With RTI, the developers can start with determining the area where issue cropped and then start tracking its impact on the software performance.

As RTI iterates quickly with the real time models, developers can append the granularity of the application module, as and when required.

RTI can be used by the IT managers also when they find a need to monitor and analyze the system performance. With RTI the system wide end to end visibility and information sharing can be significantly improved and this is going to lead to a reduction in mean time to repair. RTI on an overall is going to make it easy for the IT managers to trace the user transactions, carry out performance diagnosis and know the root cause of the failure.

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Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.