Worship

The four day long Durga Puja is the biggest annual festival in Bengal, Orissa and Bihar. It is celebrated likewise with much fervour in other parts of India, especially the Himalayan region, but is celebrated in various forms throughout the Hindu universe.
The day of Durga's victory is celebrated as Vijaya Dasahmi, Dashain (Nepali) or Dussehra (Bengali) - these words literally mean "the Victory Tenth" (day).
In Kashmir she is worshipped as shaarika (the main temple is in Hari Parbat in Srinagar).
The actual period of the worship however may be on the preceding nine days (Navaratri) followed by the last day called Vijayadashami in North India or five days in Bengal (from the sixth to tenth day of the waxing-moon fortnight). Nine aspects of Durga known as Navadurga are meditated upon, one by one during the nine-day festival by devout Shakti worshippers.
In North India, the tenth day, signifying Rama's victory in his battle against the demon Ravana, is celebrated as Dussehra - gigantic straw effigies of Ravana are burnt in designated open spaces (e.g. Delhi's Ram Lila grounds), watched by thousands of families and little children.

Ice cream

Ice cream or ice-cream is a frozen dessert usually made from dairy products, such as milk and cream, combined with fruits or other ingredients and flavors. Most varieties contain sugar, although some are made with other sweeteners. In some cases, artificial flavorings and colorings are used in addition to (or in replacement of) the natural ingredients. This mixture is stirred slowly while cooling to prevent large ice crystals from forming; the result is a smoothly textured ice cream.
The meaning of the term ice cream varies from one country to another. Terms like frozen custard, frozen yogurt, sorbet, gelato and others are used to distinguish different varieties and styles. In some countries, like the USA, the term ice cream applies only to a specific variety, and their governments regulate the commercial use of all these terms based on quantities of ingredients.In others, like Italy and Argentina, one word is used for all the variants. Alternatives made from soy milk, rice milk, and goat milk are available to those who are unable to tolerate traditional ice cream due to lactose intolerance or allergy to dairy protein.

Barbie is a fashion doll manufactured by Mattel, Inc. and launched in March 1959. American businesswoman Ruth Handler (1916-2002) is credited with the creation of the doll using a German doll called Bild Lilli as her inspiration.
Barbie has been an important part of the toy fashion doll market for fifty years, and has been the subject of numerous controversies and lawsuits, often involving parody of the doll and her lifestyle. In recent years, Barbie has faced increasing competition from the Bratz range of dolls.

Statue

A statue is a sculpture in the round representing a person or persons, an animal, or an event, normally full-length, as opposed to a bust, and at least close to life-size, or larger.[1] Its primary concern is representational.
The definition of a statue is not always clear-cut; sculptures of a person on a horse, called Equestrian statues, are certainly included, and in many cases, such as a Madonna and Child or a Pietà, a sculpture of two people will also be. A small statue, usually small enough to be picked up, is called a statuette or Figurine.
Many statues are built on commission to commemorate a historical event, or the life of an influential person. Many statues are intended as public art, exhibited outdoors or in public buildings for the edification of passers-by, with a larger magnitude than normal words could ever have for the common man.
On rare occasions, statues themselves become historic and inspire their own historic events. In 1986, when the Statue of Liberty marked her one-hundredth anniversary, a three-day centennial celebration in her honor attracted 12 million. The guest list was unique. "We invited all the great statues of the world to her birthday party and created giant puppets to represent them," said Jeanne Fleming, director of the event. "Each one arrived accompanied by native music."
There is an urban legend concerning a code for mounted statues, whereby the horse's hooves are supposed to indicate how the rider met his end. One hoof off the floor would indicate the rider died of wounds received in battle, or perhaps was just wounded in battle; two hooves off the floor would indicate the rider was killed in battle. An examination of the equestrian statues in most major European cities shows this is not true. If it ever was true, the practice appears to have died out in the 19th century. [1][2]
Statues are amongst the wonders of the world, with the Colossus of Rhodes and the Statue of Zeus at Olympia among the Seven Wonders of the Ancient World and the Moai of Easter Island among the wonders of the modern world.

Classification

Across the world there are differing standards for the legal definition of the term "university" and formal accreditation of institutions. There is no nationally standardized definition of the term in the United States, although the term is primarily used to designate research institutions and is often reserved for doctorate-granting institutions, but some US states, such as Massachusetts, will only grant a school "university status" if it grants at least two doctoral degrees.
In the United Kingdom, an institution can only use the term if it has been granted by the Privy Council, under the terms of the Further and Higher Education Act 1992.
In many regions of the world, a university is any institution of higher education and research which grants autonomously a range of academic degrees in several fields, from bachelor's degrees to doctorate degrees, including masters' degrees, as well as honoris causa degrees and agrégation/habilitation diplomas in the places where these are used.[citation needed] Independently performed research conducted by universities includes both fundamental research and applied research.

Profitability

A bank generates a profit from the differential between the level of interest it pays for deposits and other sources of funds, and the level of interest it charges in its lending activities. This difference is referred to as the spread between the cost of funds and the loan interest rate. Historically, profitability from lending activities has been cyclical and dependent on the needs and strengths of loan customers. In recent history, investors have demanded a more stable revenue stream and banks have therefore placed more emphasis on transaction fees, primarily loan fees but also including service charges on an array of deposit activities and ancillary services (international banking, foreign exchange, insurance, investments, wire transfers, etc.). Lending activities, however, still provide the bulk of a commercial bank's income.
In the past 10 years American banks have taken many measures to ensure that they remain profitable while responding to increasingly changing market conditions. First, this includes the Gramm-Leach-Bliley Act, which allows banks again to merge with investment and insurance houses. Merging banking, investment, and insurance functions allows traditional banks to respond to increasing consumer demands for "one-stop shopping" by enabling cross-selling of products (which, the banks hope, will also increase profitability). Second, they have expanded the use of risk-based pricing from business lending to consumer lending, which means charging higher interest rates to those customers that are considered to be a higher credit risk and thus increased chance of default on loans. This helps to offset the losses from bad loans, lowers the price of loans to those who have better credit histories, and offers credit products to high risk customers who would otherwise been denied credit. Third, they have sought to increase the methods of payment processing available to the general public and business clients. These products include debit cards, prepaid cards, smart cards, and credit cards. They make it easier for consumers to conveniently make transactions and smooth their consumption over time (in some countries with underdeveloped financial systems, it is still common to deal strictly in cash, including carrying suitcases filled with cash to purchase a home). However, with convenience of easy credit, there is also increased risk that consumers will mismanage their financial resources and accumulate excessive debt. Banks make money from card products through interest payments and fees charged to consumers and transaction fees to companies that accept the cards. Helps in making profit and economic development as a whole.

PILGRIMAGE AND FESTIVALS

Pilgrimage is not mandatory in Hinduism, though many adherents undertake them.[citation needed] Hindus recognise several Indian holy cities, including Allahabad, Haridwar, Varanasi, and Vrindavan. Notable temple cities include Puri, which hosts a major Vaishnava Jagannath temple and Rath Yatra celebration; Tirumala - Tirupati, home to the Tirumala Venkateswara Temple; and Katra, home to the Vaishno Devi temple. The four holy sites Puri, Rameswaram, Dwarka, and Badrinath (or alternatively the Himalayan towns of Badrinath, Kedarnath, Gangotri, and Yamunotri) compose the Char Dham (four abodes) pilgrimage circuit. The Kumbh Mela (the "pitcher festival") is one of the holiest of Hindu pilgrimages that is held every four years; the location is rotated among Allahabad, Haridwar, Nashik, and Ujjain. Another important set of pilgrimages are the Shakti Peethas, where the Mother Goddess is worshipped, the two principal ones being Kalighat and Kamakhya.
Hinduism has many festivals throughout the year. The Hindu calendar usually prescribe their dates. The festivals typically celebrate events from Hindu mythology, often coinciding with seasonal changes. There are festivals which are primarily celebrated by specific sects or in certain regions of the Indian subcontinent. Some widely observed Hindu festivals are Maha Shivaratri, Holi, Ram Navami, Krishna Janmastami,Ganesh Chaturthi, Dussera, Durga Puja and Diwali.

DEVAS AND AVATRAS

The Hindu scriptures refer to celestial entities called Devas (or devī in feminine form; devatā used synonymously for Deva in Hindi), "the shining ones", which may be translated into English as "gods" or "heavenly beings".The devas are an integral part of Hindu culture and are depicted in art, architecture and through icons, and mythological stories about them are related in the scriptures, particularly in Indian epic poetry and the Puranas. They are, however, often distinguished from Ishvara, a supreme personal god, with many Hindus worshiping Ishvara in a particular form as their devatā, or chosen ideal The choice is a matter of individual preference and regional and family traditions.[Hindu epics and the Puranas relate several episodes of the descent of God to Earth in corporeal form to restore dharma in society and guide humans to moksha. Such an incarnation is called an avatar. The most prominent avatars are of Vishnu and include Rama (protagonist in Ramayana) and Krishna (a central figure in the epic Mahabharata).
Karma and samsara
Main article: Karma in Hinduism
Karma translates literally as action, work, or deed and can be described as the "moral law of cause and effect" According to the Upanishads an individual, known as the jiva-atma, develops sanskaras (impressions) from actions, whether physical or mental. The linga sharira, a body more subtle than the physical one but less subtle than the soul, retains impressions, carrying them over into the next life, establishing a unique trajectory for the individual.Thus, the concept of a universal, neutral, and never-failing karma intrinsically relates to reincarnation as well as one's personality, characteristics, and family. Karma binds together the notions of free will and destiny

FAITH TOWARDS HIDUSIUM

Hinduism is the predominant religion of the Indian subcontinent. Hinduism is often referred to as Sanātana Dharma, a Sanskrit phrase meaning "the eternal law", by its adherents. Generic "types" of Hinduism that attempt to accommodate a variety of complex views span from folk and Vedic Hinduism to bhakti tradition, as in Vaishnavism; Hinduism also includes yogic traditions and wide spectrum of "daily morality", based on the notion of karma and societal norms such as hindu marriage customs.
Among its roots is the historical Vedic religion of Iron Age India, and as such Hinduism is often stated to be the "oldest religious tradition" or "oldest living major tradition." It is formed of diverse traditions and types and has no single founder. Hinduism is the world's third largest religion after Christianity and Islam, with approximately a billion adherents, of whom about 905 million live in India. Other countries with large Hindu populations can be found across southern Asia.
Hinduism's vast body of scriptures are divided into Śruti ("revealed") and Smriti ("remembered"). These scriptures discuss theology, philosophy and mythology, and provide information on the practice of dharma (religious living). Among these texts, the Vedas and the Upanishads are the foremost in authority, importance and antiquity. Other major scriptures include the Purāas and the epics Mahābhārata and Rāmāyan. The Bhagavad Gītā, a treatise from the Mahābhārata, spoken by Krishna, is sometimes called a summary of the spiritual teachings of the Vedas.

TRENDS

Since the late 19th century the demographics of religion have changed a great deal. Some countries with a historically large Christian population have experienced a significant decline in the numbers of professed active Christians. Symptoms of the decline in active participation in Christian religious life include declining recruitment for the priesthood and monastic life, as well as diminishing attendance at church. At the same time, there has been an increase in the number of people who identify themselves as secular humanists. In many countries, such as the People's Republic of China, communist governments have discouraged religion, making it difficult to count the actual number of believers. However, after the collapse of communism in numerous countries of Eastern Europe and the former Soviet Union, religious life has been experiencing resurgence there, particularly in the forms of Neopaganism and Far Eastern religions.
Following is some available data based on the work of World Christian Database and its predecessor, the World Christian Encyclopedia. While controversial in some respects, the results have been studied and found "highly correlated with other sources of data" but "consistently gave a higher estimate for percent Christian in comparison to other cross-national data sets" according to a study published in the Journal for the Scientific Study of Religion.

BRIEF INTRODUCTION

Everest Insurance Company Ltd. is a leading Insurance Company of Nepal. Everest Insurance Company has always been ensuring on world-class quality service. Our policies are varied in nature, and we have a wide range of non-life insurance schemes, which will ensure that you have a life of comfort, free from worries.
In today's world of uncertainty a sense of security is not only needed but it is an essential factor of life. Insurance provides us the security we need and keep our worries down.
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Education

Education in its broadest sense is any act or experience that has a formative effect on the mind, character, or physical ability of an individual (e.g., the consciousness of an infant is educated by its environment through its interaction with its environment); and in its technical sense education is the process by which society deliberately transmits its accumulated knowledge, values, and skills from one generation to another through institutions. Teachers in such institutions direct the education of students and might draw on many subjects, including reading, writing, mathematics, science and history. This technical process is sometimes called schooling when referring to the compulsory education of youth. For example, Samuel Bowles and Herbert Gintis, Teachers in specialized professions such as astrophysics, law, or zoology may teach only a certain subject, usually as professors at institutions of higher learning. There is also instruction in fields for those who want specific vocational skills, such as those required to be a pilot. In addition there is an array of education possible at the informal level, e.g., at museums and libraries, with the Internet, and in life experience.
The right to education has been described as a basic human right: since 1952, Article 2 of the first Protocol to the European Convention on Human Rights obliges all signatory parties to guarantee the right to education. At world level, the United Nations' International Covenant on Economic, Social and Cultural Rights of 1966 guarantees this right under its Article 13.