We are witnessing the change where the cult of savers has changed into investors. They are looking for a good return and willing to take the risk.
Changing the behaviour of the savers
There is a new wave of savings and investments in the country that is evolving quite fast.
Crypto exchanges assure you that they are safe.
But it is the exchange that is safe, not the value of the coin, which will be driven by the market.
The equity boom is on, and all the unicorns have delivered excellent results.
That’s why bank deposits are no longer on our plates.
Banks discouraging deposits: Interestingly, banks today are discouraging deposits with low rates as this is the only way they can manage their balance sheets.
Low-interest rate: There are few deployment avenues and paying 5 per cent interest to savers and investing the deposits at 3.35 per cent in the reverse repo auction is a sub-optimal game.
How safe is investment in cryptocurrencies?
From equities, there has been a swift shift to cryptos, which is still a grey area.
The regulators/government are wondering what to do. The issue will be discussed in the winter session of Parliament.
But investments have been made and there is no stopping this global wave.
Currency with no underlying asset: Making money on a currency that has no underlying asset like a metal or other currency and is traded on faith is unique; especially Bitcoin, whose originator is not known by face but by just a name.
Gaming as a skill
There is another door to a new kind of gaming where you make money by making teams and following the matches.
The law was first silent, and then confused.
But it finally accepted gaming as a skill.
Logically, soon we should be able to bet on matches too, if all this is in order.
Conclusion
We are witnessing a change in the pattern of holding onto money, where savings get transformed to investment and risk appetite changes from conservative to aggressive. Will this change? Probably not, in the near future, as long as conventional deposits continue to give inferior returns.
Though, you can prepare for UPSC and give your attempts anytime till 32 years, the optimal time to begin your preparation is during the college days. A graduation degree is for 3 years and almost all toppers have prepared for the same amount of time to get the success they now enjoy.
One of the biggest advantage for a college student is that they can easily switch to study mode as there are no other additional family responsibilities or expectations. Plus, an IAS officer who clears the exam within 23 years is more likely to hold the highest position of cabinet secretary than someone who cleared it in their late twenties. Youthful enthusiasm is the biggest internal motivation that college students possess which can help them in clearing this exhausting exam.
So, now that you have broken the news to your parents about wanting to write the UPSC-CSE exam, you might be now wondering — what is UPSC-CSE? How to prepare for it? Should I attend a coaching institute? What is the syllabus? How many hours to study… the list is endlessand daunting.
However, you would have missed the obvious question— What kind of questions come in the paper and what kind of answers UPSC expects from an aspirant?
Is UPSC CSE really about reading Unlimited Sources?
Some of us will ask advices from all our friends and family on how to prepare for the exam, resulting in confusion in following through the UPSC syllabus. Don’t let these questions play the devil and make you postpone your UPSC preparation by a few more years. Having the right direction and guidance can help you save 2-3 critical attempts in UPSC. Listen to our Civilsdaily student and AIR 132 2020 UPSC topper Lakshay Chaudhary on how he improved his performance after 2 attempts with the guidance of civilsdaily mentors.
Without much ado, register yourself for our free 1-on-1 counselling session at Civilsdaily known as Samanvaya. Your counsellors are trained mentors who have given the Mains exam six times and have attended UPSC interview multiple times. Experienced mentors like Sajal sir and Ajay sir have nearly mentored 500+ students.
What are the other mistakes in UPSC preparation first-time aspirants are likely to make?
About 60% of the UPSC toppers have mostly prepared the wrong way in their first attempt. This could range from books, notes to time and consistency. If you want to start in the right direction, then it’s about time you booked a slot with your Samanvaya mentor.
First time aspirants often make the mistake of reading many sources for a single subject. If there is a new book in the market, they will not hesitate to buy it. UPSC preparation is not about reading multiple books, but one book multiple times. Few others, answer the essay paper in a very academic and technical manner. Most of the first time aspirants skip studying for the language and CSAT paper. In the first few months of preparation all of us read the entire 24 pages of newspaper and waste 3-4 hours time. Some of us are over-confident of clearing the exam with our own preparation or by our institute’s coaching. We might be making notes but we will not be updating them or revising them. First time aspirants struggle to understand what to skip in a book or what to cover. They take atleast 2-3 months to finish books like Laxmikanth and yet don’t have conceptual clarity.
You can go through this video over here to get a basic understanding of the UPSC preparation.
Toppers were once Beginners. And they began with Samanvaya.
We, at Civilsdaily, are extremely proud to announce the incredible success of our students who have made their dreams come true. Today, we celebrate the hard work, commitment, and dedication with which they prepared for this exam, and succeeded! They are the heroes of today and leaders of tomorrow, and we are extremely glad to have been a part of their journey.
We are also happy to announce that 78 Civilsdaily students (and counting) are now rank holders in UPSC. Our success rate has increased by 77% from last year in terms of rank holders. Civilsdaily is proud to say that 20 of our students are in the top 100 ranks. And this is a phenomenal 25% increase in our success rate for the top 100 positions since last year.
And finally, we are extremely proud of our mentors whose tireless efforts helped our students become officers today. Their daily guidance, skilled mentorship, round-the-clock support, and dedication to work with the students day-in and day-out has led to this wonderful occasion where we celebrate the success of our students together!
How is Samanvaya, UPSC Counselling Session Planned?
At Civilsdaily, your assigned mentors interact with you on a daily basis. They are not just teachers, but coaches, philosophers, and guides. And this is how they will help you succeed:
Motivating you for one whole year and pushing you to complete the modules on time.
Helping you restart preparation despite low scores in test series.
Helping you study for 6 hours everyday if you are working.
Guiding you on how to revise the whole syllabus 3 months before prelims and mains.
Providing you topic-wise notes.
Teaching you elimination techniques, tikdams and helpful strategies like 4-2-4 model of preparation.
Keeping you updated on what to study and from where to study.
1.30 minute counselling session:Once you fill the form, our senior mentors get on a 30-40 minute call with you to understand your preparation level, study constraints, your strategy for the last 6 months, and create measurable targets for next week, next month and so on. You will hear back from us within 24 hours. The first counselling session is absolutely free for all, however there are limited slots available. So please register now.
2.Access to our invite-only chat platform, Habitat: This is where you can post your daily doubts, discuss your test questions and have real-time, live discussions on news and op-eds, and connect with other aspirants in your optional groups.
3. 1 on 1 mentor allotment: The mentor will be available on scheduled calls with you throughout all the stages of your UPSC preparation and will daily assess, evaluate, and plan the next module according to the available time. We will help you pick the right books, make you practice answers daily, evaluate them and design practical & personalstrategies that you can follow everyday
GS-1 Modern Indian history from about the middle of the eighteenth century until the present – significant events, personalities, issues.
GS-2 Constitution of India — historical underpinnings, evolution, features, amendments, significant provisions and basic structure.
GS-3 Issues related to direct and indirect farm subsidies and minimum support prices; Public Distribution System- objectives, functioning, limitations, revamping; issues of buffer stocks and food security; Technology missions; economics of animal-rearing.
GS-4 Aptitude and foundational values for Civil Service, integrity, impartiality and non-partisanship, objectivity, dedication to public service, empathy, tolerance and compassion towards the weaker sections.
HOW TO ATTEMPT ANSWERS IN DAILY ANSWER WRITING ENHANCEMENT(AWE)?
Daily 4 questions from General studies 1, 2, 3, and 4 will be provided to you.
A Mentor’s Comment will be available for all answers. This can be used as a guidance tool but we encourage you to write original answers.
You can write your answer on an A4 sheet and scan/click pictures of the same.
Upload the scanned answer in the comment section of the same question.
Along with the scanned answer, please share your Razor payment ID, so that paid members are given priority.
If you upload the answer on the same day like the answer of 11th October is uploaded on 11th October then your answer will be checked within 72 hours. Also, reviews will be in the order of submission- First come first serve basis
If you are writing answers late, for example, 11th October is uploaded on 13th October, then these answers will be evaluated as per the mentor’s schedule.
We encourage you to write answers on the same day. However, if you are uploading an answer late then tag the mentor like @Staff so that the mentor is notified about your answer.
*In case your answer is not reviewed, reply to your answer saying *NOT CHECKED*.
Twelve Opposition members of the Rajya Sabha were suspended for the entire winter session for unprecedented acts of misconduct, unruly and violent behavior and intentional attacks on security personnel.
Decorum of the Parliament
Freedom of speech is one of the most important privileges enjoyed by Members of Parliament.
This freedom is circumscribed, however, by the necessity of maintaining order and decorum when debate is taking place.
Thus discipline, decorum and dignity of Parliament are of paramount importance for the efficient functioning and success of parliamentary institutions.
All over the world concerns have been expressed about the decline of discipline, decorum and dignity of legislative bodies.
Maintaining the Decorum
MPs are required to adhere to certain rules of parliamentary etiquette.
For example the Lok Sabha rulebook specifies that MPs are not to interrupt the speech of others, maintain silence and not obstruct proceedings by hissing or making running commentaries during debates.
Newer forms of protest led to these rules being updated in 1989.
Now, members should not shout slogans, display placards, tear up documents in protest, and play a cassette or a tape recorder in the House.
Rajya Sabha has similar rules. To conduct the proceedings smoothly, the rulebook also gives certain, similar powers to the presiding officers of both Houses.
Power of Suspension
The presiding officer of each House can direct an MP to withdraw from the legislative chamber for grossly disorderly conduct.
The MP then has to remain absent from the proceedings of the House for the remainder of the day.
The presiding officers can also “name” an MP for “persistently and wilfully obstructing the business” of the House.
In such a case, usually, the Parliamentary Affairs Minister moves a motion for suspending the offending MP from the service of the House.
The suspension can last until the end of the session.
Why are such disruptions frequent in the Parliament?
The reluctance and procrastination of the treasury benches to face discussions is the main cause for disorder in Parliament.
In most cases, disorders in the House arise out of a sense of frustration felt by members due to lack of opportunities to make his point.
They are perhaps easier to deal with. What is more difficult to tackle is planned parliamentary offences and deliberate disturbances for publicity or for political motives.
Way forward
Debate is central to democracy, and therefore there should be more debate and fewer disruptions.
The majority party is responsible for governing and should take other parties into confidence.
The Opposition should play a constructive role in Parliament and be allowed to put forward its views and express itself in a dignified manner.
The presiding officers must help the Opposition in raising issues uncomfortable to the government.
The Dual Command System of Policing is being implemented in Bhopal and Indore.
What is the ‘Dual Command’ System?
Under the dual command system, the District Magistrate and the Superintendent of Police (SP) share powers and responsibilities in a district.
Under this structure, the DM is entrusted with issuing arrest warrants, licenses while the SP has powers and responsibilities to investigate crime and make arrests.
The system is designed to ensure a lower concentration of power and making the police more accountable to the DM at the district level.
How does the commissionerate system empower the police?
Under the police commissionerate system, the powers of both policing and magistracy are concentrated with the commissioner, who is directly accountable to the state government and the state police chief.
The commissioner of police under the commissionerate system exercises the powers and duties of a District Magistrate.
These powers are also available to any officer under the commissioner who is not below the rank of an Assistant Commissioner of Police.
The police are also empowered to conduct externment proceedings and issue written orders to remove a person from their jurisdiction of the commissionerate for a maximum of two years.
Need for such system
Various committees constituted to suggest police reforms have recommended implementation of a police commissioner system.
Rapidly urbanized cities: This is for cities which have witnessed rapid urbanization and have a population of more than 10 lakhs.
Better accountability: In the 6th report of the National Police Commission, it noted that as compared to police in districts, police in commissionerate in small areas had a better account of themselves.
Complex security threats: It further pointed out that in urban areas, the changing dynamism and growing complexities of security threats required a swift and prompt response.
Quick responsivity: Usually in large urban areas, law and order situations develop rapidly, requiring a speed and effective operational response from the police.
Avoiding delayed action: In districts where the SPs and DMs do not have an understanding, orders to swiftly act are rarely issued in time which aggravates the situation.
Issues with the system
Power-sharing: There needs to be some clarity on what powers will be taken away from the revenue officers, collectors, SDMs and how it will impact the society before implementing it.
Russia has successfully placed into orbit a military satellite believed to be part of the Kremlin’s early warning anti-missile system. This launch could be delivering a Tundra satellite.
Tundra Satellite
The Tundra or EKS (Edinaya Kosmicheskaya Sistema) series of satellites is the next generation of Russian early-warning satellites.
The development of the EKS started in 2000.
These satellites carry a secure emergency communications payload to be used in case of a nuclear war.
They are launched on Soyuz-2-1b Fregat boosters into Molniya-orbits, inclined highly elliptical 12 h orbits.
What are Tundra Orbits?
A Tundra orbit is a highly elliptical geosynchronous orbit with a high inclination (approximately 63.4°), an orbital period of one sidereal day.
A satellite placed in this orbit spends most of its time over a chosen area of the Earth, a phenomenon known as apogee dwell.
It makes satellites particularly well suited for communications satellites serving high latitude regions.
The ground track of a satellite in a Tundra orbit is a closed figure 8 with a smaller loop over either the northern or southern hemisphere.
This differentiates them from Molniya orbits designed to service high-latitude regions, which have the same inclination but half the period and do not hover over a single region.
Back2Basics: Types of Orbits
[1] Geostationary orbit (GEO)
Satellites in geostationary orbit (GEO) circle Earth above the equator from west to east following Earth’s rotation – taking 23 hours 56 minutes and 4 seconds – by travelling at exactly the same rate as Earth.
This makes satellites in GEO appear to be ‘stationary’ over a fixed position.
In order to perfectly match Earth’s rotation, the speed of GEO satellites should be about 3 km per second at an altitude of 35 786 km.
This is much farther from Earth’s surface compared to many satellites.
GEO is used by satellites that need to stay constantly above one particular place over Earth, such as telecommunication satellites.
Satellites in GEO cover a large range of Earth so as few as three equally-spaced satellites can provide near-global coverage.
[2] Low Earth orbit (LEO)
A low Earth orbit (LEO) is, as the name suggests, an orbit that is relatively close to Earth’s surface.
It is normally at an altitude of less than 1000 km but could be as low as 160 km above Earth – which is low compared to other orbits, but still very far above Earth’s surface.
Unlike satellites in GEO that must always orbit along Earth’s equator, LEO satellites do not always have to follow a particular path around Earth in the same way – their plane can be tilted.
This means there are more available routes for satellites in LEO, which is one of the reasons why LEO is a very commonly used orbit.
It is most commonly used for satellite imaging, as being near the surface allows it to take images of higher resolution.
Satellites in this orbit travel at a speed of around 7.8 km per second; at this speed, a satellite takes approximately 90 minutes to circle Earth.
[3] Medium Earth orbit (MEO)
Medium Earth orbit comprises a wide range of orbits anywhere between LEO and GEO.
It is similar to LEO in that it also does not need to take specific paths around Earth, and it is used by a variety of satellites with many different applications.
It is very commonly used by navigation satellites, like the European Galileo system of Europe.
It uses a constellation of multiple satellites to provide coverage across large parts of the world all at once.
[4] Polar Orbit
Satellites in polar orbits usually travel past Earth from north to south rather than from west to east, passing roughly over Earth’s poles.
Satellites in a polar orbit do not have to pass the North and South Pole precisely; even a deviation within 20 to 30 degrees is still classed as a polar orbit.
Polar orbits are a type of low Earth orbit, as they are at low altitudes between 200 to 1000 km.
[5] Sun-synchronous orbit (SSO)
SSO is a particular kind of polar orbit. Satellites in SSO, travelling over the polar regions, are synchronous with the Sun.
This means they are synchronised to always be in the same ‘fixed’ position relative to the Sun.
This means that the satellite always visits the same spot at the same local time.
Often, satellites in SSO are synchronised so that they are in constant dawn or dusk – this is because by constantly riding a sunset or sunrise, they will never have the Sun at an angle where the Earth shadows them.
A satellite in a Sun-synchronous orbit would usually be at an altitude of between 600 to 800 km. At 800 km, it will be travelling at a speed of approximately 7.5 km per second.
[6] Transfer orbits and geostationary transfer orbit (GTO)
Transfer orbits are a special kind of orbit used to get from one orbit to another.
Often, the satellites are instead placed on a transfer orbit: an orbit where, by using relatively little energy from built-in motors, the satellite or spacecraft can move from one orbit to another.
This allows a satellite to reach, for example, a high-altitude orbit like GEO without actually needing the launch vehicle.
Reaching GEO in this way is an example of one of the most common transfer orbits, called the geostationary transfer orbit (GTO).
Africa’s Great Green Wall (GGW) program to combat desertification in the Sahel region is an important contribution towards combating climate change, Food and Agriculture Organization (FAO) said in a study.
Note the countries swept by the GGW project on the African map.
About GGW Program
The Great Green Wall project is conceived by 11 countries located along the southern border of the Sahara and their international partners, is aimed at limiting the desertification of the Sahel zone.
Led by the African Union, the initiative aims to transform the lives of millions of people by creating a mosaic of green and productive landscapes across North Africa.
The initial idea of the GGW was to develop a line of trees from east to the west bordering the Saharan Desert.
Its vision has evolved into that of a mosaic of interventions addressing the challenges facing the people in the Sahel and the Sahara.
Why was such project incepted?
The project is a response to the combined effect of natural resources degradation and drought in rural areas.
It aimed to restore 100 million hectares of degraded land by 2030; only four million hectares had been restored between 2007 and 2019.
It is a partnership that supports communities working towards sustainable management and use of forests, rangelands and other natural resources.
It seeks to help communities mitigate and adapt to climate change, as well as improve food security.
You can also reach us to know more, call us at:- 8882914738
A quick bit about Santosh Gupta:-
Santosh sir has scored above 140 twice in UPSC prelims and 120 plus in all 6 attempts. He has written all 6 mains and has appeared for Interviews 3 times. He has qualified UPSC EPFO and BPSC 56-59th also.
He is Prelims coordinator at Civilsdaily and also course coordinator for ongoing Smash Prelims program for UPSC Prelims-2022.
He has been teaching and mentoring UPSC aspirants for the last 5 years with tremendous interest in environment, ecology, and polity.
Though, you can prepare for UPSC and give your attempts anytime till 32 years, the optimal time to begin your preparation is during the college days. A graduation degree is for 3 years and almost all toppers have prepared for the same amount of time to get the success they now enjoy.
One of the biggest advantage for a college student is that they can easily switch to study mode as there are no other additional family responsibilities or expectations. Plus, an IAS officer who clears the exam within 23 years is more likely to hold the highest position of cabinet secretary than someone who cleared it in their late twenties. Youthful enthusiasm is the biggest internal motivation that college students possess which can help them in clearing this exhausting exam.
So, now that you have broken the news to your parents about wanting to write the UPSC-CSE exam, you might be now wondering — what is UPSC-CSE? How to prepare for it? Should I attend a coaching institute? What is the syllabus? How many hours to study… the list is endlessand daunting.
However, you would have missed the obvious question— What kind of questions come in the paper and what kind of answers UPSC expects from an aspirant?
Is UPSC CSE really about reading Unlimited Sources?
Some of us will ask advices from all our friends and family on how to prepare for the exam, resulting in confusion in following through the UPSC syllabus. Don’t let these questions play the devil and make you postpone your UPSC preparation by a few more years. Having the right direction and guidance can help you save 2-3 critical attempts in UPSC. Listen to our Civilsdaily student and AIR 132 2020 UPSC topper Lakshay Chaudhary on how he improved his performance after 2 attempts with the guidance of civilsdaily mentors.
Without much ado, register yourself for our free 1-on-1 counselling session at Civilsdaily known as Samanvaya. Your counsellors are trained mentors who have given the Mains exam six times and have attended UPSC interview multiple times. Experienced mentors like Sajal sir and Ajay sir have nearly mentored 500+ students.
What are the other mistakes in UPSC preparation first-time aspirants are likely to make?
About 60% of the UPSC toppers have mostly prepared the wrong way in their first attempt. This could range from books, notes to time and consistency. If you want to start in the right direction, then it’s about time you booked a slot with your Samanvaya mentor.
First time aspirants often make the mistake of reading many sources for a single subject. If there is a new book in the market, they will not hesitate to buy it. UPSC preparation is not about reading multiple books, but one book multiple times. Few others, answer the essay paper in a very academic and technical manner. Most of the first time aspirants skip studying for the language and CSAT paper. In the first few months of preparation all of us read the entire 24 pages of newspaper and waste 3-4 hours time. Some of us are over-confident of clearing the exam with our own preparation or by our institute’s coaching. We might be making notes but we will not be updating them or revising them. First time aspirants struggle to understand what to skip in a book or what to cover. They take atleast 2-3 months to finish books like Laxmikanth and yet don’t have conceptual clarity.
You can go through this video over here to get a basic understanding of the UPSC preparation.
Toppers were once Beginners. And they began with Samanvaya.
We, at Civilsdaily, are extremely proud to announce the incredible success of our students who have made their dreams come true. Today, we celebrate the hard work, commitment, and dedication with which they prepared for this exam, and succeeded! They are the heroes of today and leaders of tomorrow, and we are extremely glad to have been a part of their journey.
We are also happy to announce that 78 Civilsdaily students (and counting) are now rank holders in UPSC. Our success rate has increased by 77% from last year in terms of rank holders. Civilsdaily is proud to say that 20 of our students are in the top 100 ranks. And this is a phenomenal 25% increase in our success rate for the top 100 positions since last year.
And finally, we are extremely proud of our mentors whose tireless efforts helped our students become officers today. Their daily guidance, skilled mentorship, round-the-clock support, and dedication to work with the students day-in and day-out has led to this wonderful occasion where we celebrate the success of our students together!
How is Samanvaya, UPSC Counselling Session Planned?
At Civilsdaily, your assigned mentors interact with you on a daily basis. They are not just teachers, but coaches, philosophers, and guides. And this is how they will help you succeed:
Motivating you for one whole year and pushing you to complete the modules on time.
Helping you restart preparation despite low scores in test series.
Helping you study for 6 hours everyday if you are working.
Guiding you on how to revise the whole syllabus 3 months before prelims and mains.
Providing you topic-wise notes.
Teaching you elimination techniques, tikdams and helpful strategies like 4-2-4 model of preparation.
Keeping you updated on what to study and from where to study.
1.30 minute counselling session:Once you fill the form, our senior mentors get on a 30-40 minute call with you to understand your preparation level, study constraints, your strategy for the last 6 months, and create measurable targets for next week, next month and so on. You will hear back from us within 24 hours. The first counselling session is absolutely free for all, however there are limited slots available. So please register now.
2.Access to our invite-only chat platform, Habitat: This is where you can post your daily doubts, discuss your test questions and have real-time, live discussions on news and op-eds, and connect with other aspirants in your optional groups.
3. 1 on 1 mentor allotment: The mentor will be available on scheduled calls with you throughout all the stages of your UPSC preparation and will daily assess, evaluate, and plan the next module according to the available time. We will help you pick the right books, make you practice answers daily, evaluate them and design practical & personalstrategies that you can follow everyday
