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University Financial Risks: Why Prospective Students Should Pay Attention

  University Financial Risks: Why Prospective Students Should Pay Attention When choosing a university—whether in the UK or abroad—students often look at rankings, facilities, and courses. Yet one critical factor often overlooked is the financial health of the institution . Universities facing mounting deficits, job cuts, or loan breaches can experience serious disruption, affecting teaching quality, student services, and even the institution’s long-term survival. Below is a breakdown of UK universities currently facing acute or high financial risk. 🚨 RED LIST: Acute Risk These universities are under severe financial pressure, with some breaching loan agreements, making large-scale job cuts, or facing multi-year losses: Middlesex – Broke loan rules set by banks; needed waivers; paused major building and spending plans. London South Bank (LSBU) – Wrote off £16m; breached a loan covenant; renegotiated terms giving banks security over parts of its estate. Kent – Suffere...

Family Roles & Mutual Support Framework

Areas of contribution (husband, wife, uncles/aunties) Importance of husband-wife bond (personal, professional, children’s upbringing) 1. Areas of Contribution A. Husband (Male) Can Contribute More Protection & security – Providing a sense of safety for the family. Role modeling for children – Teaching discipline, respect, and responsibility. Financial planning – Managing savings, investments, and future security. Decision-making balance – Supporting wife’s views but leading in critical choices. Household responsibilities – Handling tasks requiring physical effort or extra time. Encouragement in wife’s career – Reducing barriers so she can grow professionally. Guiding sons & daughters – Teaching resilience, respect for women, and work ethic. B. Wife (Female) Can Contribute More Emotional nurturance – Providing balance and harmony in relationships. Child development – Leading in early education, values, and emotional growth. Creating a warm home – ...

My Kaspersky antivirus in PC identified a trojan today - details.

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 I am a user of Kaspersky anti virus since 7 years. I mostly buy 3 year subscription via amazon. Link: https://www.amazon.in/gp/r.html?C=364GBY9V61051&K=2H2D44B8I9GEV&M=urn:rtn:msg:202508170944225ab9c784768541fabce89a9e4d70p0eu&R=2XAZFIYOHGWFE&T=C&U=https%3A%2F%2Fwww.amazon.in%2Fdp%2FB073VMC9S4%3Fref_%3Dpe_112071901_1111297901_t_fed_asin_title&H=PC4AP7OIVNTBXIGPRWQEB4YGLFYA&ref_=pe_112071901_1111297901_t_fed_asin_title  Often virus / trojan are identified by the antivirus in the PC. I do all banking activities through my PC only. Hence keeping it secure is important.  I found one virus today too. See images below.

The Coming Economic Transformation: Automation, Trade, and Democracy’s Test, Projections for 10,20,30 years

The Great Economic Realignment: Automation, Tariffs, and the Future of Human Value The world is entering an era of profound economic restructuring, driven by the combined forces of tariff policies , artificial intelligence (AI) , and robotic automation . Together, these forces are eroding the economic primacy of human labor and challenging traditional notions of citizenship, democracy, and societal value. By 2025, U.S. consumers were paying 67% of tariff costs , up from 22% before 2025, while global robot installations hit a record $16.5 billion . The question is no longer if automation will reshape our economies, but how societies will respond when labor’s market value declines . This article organizes the transformation across economic, technological, social, political, and environmental dimensions , offers three scenarios for 2040 and 2055 , and provides key indicators to track quarterly . 1. Economic Shift: The Purchasing Power Paradox For decades, the U.S. model relied on ...

Excel tip. Highlight a row based on a cell

 https://youtube.com/shorts/w6azDwx1Fo8?si=EaIdd4i2AxDhoZiA Conditional formatting+ whole row affected 

Book summary and how to use learnings: Don’t Believe Everything You Think

 Part 1: Here’s a summary of the book Don't Believe Everything You Think by Joseph Nguyen : 📘 Book Title : Don’t Believe Everything You Think Author : Joseph Nguyen Genre : Self-help / Psychology / Mindfulness Core Message : Suffering doesn’t come from our circumstances, but from the thoughts we believe about them. ⭐️ Key Concepts and Summary 1. You Are Not Your Thoughts Your thoughts are not facts —they're temporary mental events. Most suffering is caused by believing negative or limiting thoughts . You are the awareness behind your thoughts , not the thoughts themselves. 💬 "If you can observe your thoughts, then you are not your thoughts." 2. The Root of Suffering Is Identification With Thoughts Anxiety, stress, depression, and self-doubt stem from attaching to false mental narratives . Trying to fight or fix thoughts often strengthens them. The solution is to observe and detach rather than control. 3. Freedom Comes From Pres...

Ways to Build a Powerful Personal Brand on LinkedIn as a Freelancer or Professional

  How to Build a Powerful Personal Brand on LinkedIn as a Freelancer or Professional Create a Personal Brand That Builds Trust Your personal brand is what turns visibility into credibility. Clearly define your story, values, and expertise. Communicate your transformation – how you've helped others and the results you've delivered. Position yourself as the go-to expert in your niche. Craft a Relatable and Professional Presence Share a relatable story combined with professional growth or transformation. Use clear language and an authentic voice to connect with your audience. Consistency in tone, visuals, and messaging matters – from profile photo to content style. Optimize Your LinkedIn Profile for Impact Headline: Mention your niche and the result you help clients achieve. About Section: Share your journey, key skills, and what sets you apart. Banner: Visually support your brand message with a relevant graphic. Call to Action: Include how people can reac...