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  • How to Improve Public Speaking – Becoming a Confident, Compelling Speaker

    How to Improve Public Speaking – Becoming a Confident, Compelling Speaker

    Practice your presentation multiple times, ideally with people you’re comfortable with. You can also videotape yourself to identify areas for improvement. Many people are afraid to speak in front of people, which prevents many from moving forward.

    Developing your public speaking skills can put you at a big advantage in your career, as it can lead to opportunities that others may avoid.

    Practical Voice and Breath Control

    Breath control can help you do this. Practice using your stomach to push air in and out of your lungs. Before you begin public speaking, take 10 slow, deep breaths. It will help calm your nerves and allow the audience to better understand what you say.

    Know Your Audience

    Knowing who your audience will be will help you determine what points are important to include.

    It also gives you an idea of what your tone should be for your presentation. If you are in a business meeting, you should not tell any jokes or stories.

    Practice makes perfect

    The old saying that practice makes perfect is true today because only by doing it repeatedly can you become perfect. Try taking a few extra minutes a day to bring up points in meetings or with friends so you’re better at speaking with others.

    Record your speeches

    Record your public speaking performances on camera so you can go back and watch yourself. Examine your body language, how your voice sounds. Even the best speakers do this on a regular basis and often find ways they can improve their public speaking skills.

    Take a Public Speaking Class

    By taking public speaking classes, students gain critical skills that rapidly improve their ability to speak and present to audiences. If you wish to improve your public speaking skills when giving virtual presentations, consider an online public speaking course.

    If you want to learn how to talk in front of a live audience, an in-person class may be the better option. You may also be able to find student clubs that can help you practice your public speaking skills.

    Practice in front of a mirror

    Practicing in front of a mirror will give you an idea of how you look to others. You can see if your posture is correct, if you’re maintaining eye contact, or if there are any points in your speech where you lose your thought.

    Give a test run to a friend or family member

    It’s important to practice in front of people before you go up and give your presentation. Doing it in front of a friend or family member will keep you at ease and make it easier to practice in the way you’ve been speaking.

    They can give feedback on what you should change, and you’ll have a much better presentation to give because of it.

    Focus on eye contact

    Making eye contact with those in the room shows a connection and gives off confidence in your speaking ability. Not that you have to stare down everyone in the room, but eye contact is important. Eye contact is important when speaking in public.

  • How to Communicate Effectively – Improving Your Interpersonal Skills

    How to Communicate Effectively – Improving Your Interpersonal Skills

    Keep your message brief and to the point, which can make it easier for others to understand Be an active listener- Pay attention to body language, ask questions, and give encouraging verbal cues.

    A leader’s ability to communicate clearly and effectively with employees, within teams, and across the organization is one of the foundations of a successful business.

    Here are some ways to improve communication skills

    Be clear and understand

    Before engaging in any form of communication, define your goals and your audience avoid unnecessary words and overly flowery language, which can distract from your message.

    Repeating your message can ensure that your audience receives it, but too much repetition can cause them to tune you out entirely.

    Listen, listen, and listen

    Ask for clarification to avoid misunderstood standings. Another important point is to have one conversation at a time. This means that if you are speaking to someone on the phone, do not respond to an email, or send a text at the same time.

    Prepare ahead of time

    Know what you’re going to do and probably how you are going to before you begin any type of communication. Before entering into any conversation, requests for additional information or clarification, and disagreements you are ready to address them calmly and clearly.

    Body language matters

    This is important whether talking face to face or on a video conference. This means that you should not cross your arms.

    And keep eye contact so that the other person knows that you are paying attention. Body language is more important for communication skills

    Watch your tone

    How you speak has to do with what you say.

    Tone can be an especially important factor in workplace disagreements and conflict When speaking, tone includes volume, projection, and intonation as well as word choice. Speaking is easier than writing. You can also gauge how you are speaking.

    Create a positive organizational culture

    The corporate culture in which you are communicating also plays a vital role in effective communication. Communicating with co-workers and employees is always going to present challenges.

    There will always be misunderstandings and miscommunications that must be resolved and unfortunately, corporate messages aren’t always what we want to hear, especially during difficult times

    Maintain a positive attitude and smile

    Even when you are speaking on the phone, smile because your positive attitude will shine through and the other person will know it. When you smile often and exude a positive attitude, people will respond positively to you.

    Communicating effectively is a teachable skill, therefore following a few of the tips outlined above will enable you to hone up
    on your communication skills.

  • How to Write a Resume – should be Clear, Concise, and Tailored To Each Job Application

    How to Write a Resume – should be Clear, Concise, and Tailored To Each Job Application

    For most job-seekers, a good resume is what stands between a dream job and Choice D. Get your resume right, and you’ll be getting replies from every other company you apply to.

    If your resume game is weak, though, you’ll end up sitting around for weeks, maybe even months, before you even get a single response.

    Before we go into detail about how you should make a resume, here’s a summary of the most important steps and tips to keep in mind-

    • Choose a resume format carefully.
    • Add the right contact details. (E.g.: your LinkedIn profile, online portfolio, personal website, etc.).
    • Write an impactful resume summary.
    • Pay attention to your work experience section.
    • Add the right skills for the job.
    • Keep your education short and to the point.
    • Leverage optional resume sections.
    • Include a cover letter.

    Follow these steps to build your resume-

    Add your contact information

    The first item on your resume should be your first and last name, a phone number, and an email address.

    Include a professional summary

    Since employers may only spend a short time reviewing your resume, you want to display your positive qualities clearly and concisely.

    These statements should illustrate the qualities that make you an attractive candidate while also describing the engaging yet professional personality you bring to work.

    Add your work experience

    The work experience section of your resume should be more than a simple list of your previous positions. It should also effectively describe your work experience to enhance your candidacy.

    Include your education

    Most jobs require at least some education, and employers seek this information on your resume. List your highest level of education completed first, then subsequent degrees and diplomas.

    List relevant skills

    Near the end of your resume, you should include a section for any skills that may be relevant and can enhance your appeal as a candidate. When including your skills, choose both hard and soft skills that relate to the role.

    Explain your achievements and awards

    Employers may be more impressed if you can prove that your abilities have been tested and that you have found success despite challenges.

    You can emphasize your victories by including a brief section in your resume that outlines your relevant achievements and awards.

    Use a business format

    The format of your resume quickly tells an employer if you can follow directions and communicate effectively and concisely. In a way, your resume format is the first test of your experience before a potential employer even reviews your document.

    Include keywords

    Use words that directly relate to the position in which you’re applying. Consider reviewing the job description for keywords and incorporating them in your resume.

    Review samples

    Reviewing other successful resumes can help you become familiar with the format, language and sections of a professional resume. When looking for samples, take two different approaches.

    Select a template

    While you can certainly draft your own resume using a word processor, you can also simplify the resume-building process by using a resume template.

    These templates allow you to fill in blanks with relevant information, offering a complete, professionally formatted document.

  • How to Grow Your Career Strategies to Effectively Promote Your Professional Growth

    How to Grow Your Career Strategies to Effectively Promote Your Professional Growth

    How to Grow Your Career – Moving forward in your career can be a bit challenging, but with the right approach, you can achieve your goals.

    Here are some simple tips to help you move forward in your career.

    Set Clear Goals

    First, figure out what you want to achieve. Write down your goals and break them down into small, manageable steps. For example, if you want to build your career, you need to set your goals.

    Learn New Skills

    To stay competitive, you need to keep learning. You need to check what is new happening all the time. You need to search online and attend workshops to learn new skills. You need to stay updated with the industry, which will help you.

    Build Your Network

    Networking is very important for career growth. You should always stay connected with people, events, social media, and professional groups. Remember to help others and network as much as you need.

    Find a Mentor

    A mentor can provide guidance and advice based on experience. Look at your career path and find someone who supports you. A good mentor helps you face challenges and make good career decisions. Be proactive and open to their feedback.

    Show Your Worth

    Make sure your contributions and achievements are noticed. You should keep track of your resume and upload it to LinkedIn and other sites.

    Seek new challenges in your work and show leadership qualities. Always stay highlighted in your current role so you can get a promotion.

    Be Flexible and Open-Minded

    The job market changes often, so it is important to be adaptable. Don’t be afraid to explore new roles.

    Sometimes you have to step out of your comfort zone to achieve the career you want. Being open to new possibilities can lead to unexpected opportunities.

    Get Feedback and Reflect

    Seek feedback from your boss, colleagues, and mentors to figure out what you are doing right and what you are doing wrong. You can use this feedback to shape your career. Understand what you are doing well and where you can improve.

    Conclusion

    Advancing your career requires effort and planning.

    By setting clear goals, constantly learning, networking effectively, finding a mentor, showing your value, staying flexible, and seeking feedback, you can make progress toward your career ambitions.

    Remember, career development is an ongoing journey, so stay committed and proactive.

  • How to improve your Handwriting- Try These Easy Suggestions

    How to improve your Handwriting- Try These Easy Suggestions

    How to improve your Handwriting: Good writing is an important part of writing. If you write good writing, then the readers also do not have any difficulty and your writing looks clear.

    However, students feel difficulty in improving their writing, so today we are giving you some tips that can help you in improving your writing.

    Some suggestions to improve writing

    Practice- Practice writing for at least 15-20 minutes every day, this will strengthen your hand muscles and your writing will improve.

    Choose the right pen Do- Choose a pen that is comfortable for you. The right pencil improves writing. A pencil that runs smoothly and whose ink is also dark.

    Sit in the right posture- While writing, we should always pay attention to our sitting position. While writing, always sit in a straight position and use a table. This will make your writing clear and beautiful.

    Size and distance of letters- Keep the size of letters equal and maintain distance between them. This will make the writing clear and easy to read. Always make the letters equal.

    Slowly Write- Thank you, writing can spoil your writing, so always try to write slowly. Along with writing slowly, write carefully too.

    See samples of writing- See samples of good writing and try to copy them, this will help you understand how beautiful letters are made.

    Exercises to improve handwriting- Do exercises specially made for improving handwriting like writing words and practicing rounded letters.

    Comfortable position- While writing, keep your hand in a comfortable position. Give rest to your hands and hold the pen in a comfortable position

    By following these small tips, you can improve your writing

    Easy 10 ways to improve handwriting

    • Writing in rule.
    • Correct use of words.
    • Do not put too much pressure on the pen.
    • Proper grip of the pen.
    • Do not be hasty.
    • Use clean paper and good pen.
    • Formation of words.
    • Paper rotation.
    • Pay attention to the size and distance of letters.
    • Practice and have faith in yourself.

    Disadvantages of Bad Handwriting

    If our handwriting is dirty and not clear, then we have to see its disadvantages If our handwriting is not good or the letters are crooked then the reader will not be able to read our words and our thoughts properly nor will be able to understand them.

    The reader will have difficulty and at the same time it will not look good. The meaning of our writing can also change due to bad handwriting or incomplete letters written in a hurry and it can.

  • How to learn new skill- You should start by setting clear goals

    How to learn new skill- You should start by setting clear goals

    In today’s competitive job market, you must keep learning and keep moving forward. The more you learn, the more new things you will achieve and you will keep moving forward.

    You know that time is short and it is difficult to complete the work every day. Planning for the next step in your career is a far-fetched idea, but if your career is your priority then what are the ways to learn and move forward so that you can move your career forward and develop your skills?

    If you want to get promoted or increase your salary. So you have to prove that you are more capable or that you can add something more. The best way to do this is to continuously fill your career with such skill and knowledge that it shows that you deserve a salary hike.

    Learn new skills quickly

    You want to learn new speech but you want to learn them quickly because nobody has time to add parts to today’s big life.

    Set your learning goal

    The first way to learn is to set a goal that you want to achieve. If you want to develop your public speaking skills, your learning goal should be to achieve mastery of the skills necessary to give effective speeches

    Breakdown your skill set

    If you want to learn new technology skills, you can make a list of different small skills, such as typing documents or compiling files to send by email

    Identify potential barriers

    such as time spent or travel, and then make a list of motivations for learning this new skill, such as career advancement Make arrangements to learn in another language for more money or international travel.

    By looking at both of them together, you can determine how to make your development more beneficial and make it more realistic.

    Focus on one skill at a time

    As you progress in learning new skills, you should focus on one skill at a time. Learning many skills at once can be very difficult. Always focus on one skill that you will learn easily.

    Find opportunities to practice

    Look for more opportunities to practice the skills you are learning. 7 Use mistakes as learning tools:

    The more opportunities you get to practice what you are learning, the greater your chances of success in achieving your goals.

    Seek out additional resources

    If you are learning computer skills, you can consider checking out topical books to help you study or join local community centers to learn computer and typing skills online.

    Use mistakes as learning tools

    It is a good thing to learn how to make mistakes. You practice your skills, and you may make mistakes but next time you should not do this

    Tips for learning new skills

    • Be patient with yourself.
    • Keep a record of your learning.
    • Take advantage of resources.
    • Evaluate your new skill.
  • How to Prepare for a Job Interview Every Fresher Should Know

    How to Prepare for a Job Interview Every Fresher Should Know

    As we all know whether it is a private or government job, there is an interview involved in both. In India, passing the written exam to get a government job is more important because only after that will the candidate know that he will have to give an interview.

    But when it comes to a private job or a private sector, whether an applicant will get a job in this field or not depends only on the interview. This is why in India people try to know how to prepare for that interview before going for a job interview. do

    So let us know how we can prepare for the interview

    Think about your qualifications and goal

    Before going to a job interview, a job applicant needs to know why the job is important for the boss to whom he is going for the interview, that is, why he wants that job apart from this, it is also very important to know how eligible he is for that job.

    Check the job description properly

    When the description is known, it is necessary to know the necessary qualifications for the job. There is a list of applicants so that the employer can find an ideal candidate for the job.

    That is why any candidate needs to organize himself based on the job description today.

    Research the company and the post you are going to get

    Researching about the company in which you are going for the interview and about your role in the company is an integral part of this process.

    This will not only help you in giving a good presentation during the interview but it will also help you in making a thoughtful presentation about the role of the company in your mind. It will also help in preparation

    Before going to the job interview, the candidate should do as much research as he wants on the company’s product or service, his role in the company, and the company’s culture.

    Think about some common questions asked in the interview

    Although no one can guess every question asked in a job interview, usually some such questions can be asked in almost any interview. If you want, you can develop such a thing in your mind from your side which tells I know who you are, what you do, and what you want in your life

    Practice positively speaking body language

    During a job interview, the confidence of the candidate and positive body language play a very important role. While giving the interview, the candidate should come in front with strong confidence and a respectable voice.

    Prepare thoughtful questions for a job interview

    Sometimes the interviewer asks you a question and even if you answer everything correctly, he still tries to know this from you. I hope that if you have any questions in your mind you can ask, so keep the question ready from your side.

  • Pradhan Mantri Mudra Yojana Provide Affordable Credit To Micro And Small Enterprises

    Pradhan Mantri Mudra Yojana Provide Affordable Credit To Micro And Small Enterprises

    Under this scheme, loans are provided to middle-class entrepreneurs at low interest rates. Here we will try to know about this scheme in detail. Let us tell you that under the Union Budget 2024-25, the limit of loans without guarantee under the Mudra Scheme has been increased from Rs 10 lakh to Rs 20 lakh.

    The Central Modi government launched the Pradhan Mantri Mudra Yojana on 8 April 2015 to generate income for small and micro-entrepreneurs. Under this, a provision for loans up to Rs 20 lakh has been made to non-corporate, non-agricultural small and micro-entrepreneurs.

    Under this scheme, till March last year, about Rs 23.2 lakh crore was sanctioned in 40.82 crore loan accounts. Where approximately 68% of the accounts belong to women entrepreneurs and 51% of the accounts belong to entrepreneurs from SC/ST and OBC categories.

    Pradhan Mantri Mudra Yojana

    PM Mudra Loan Yojana

    The government is implementing a new scheme to connect the unemployed with employment. Similarly, a loan scheme has also been started by the government for people who want to do business, in which loans up to Rs 10 lakh are available.

    You can easily get the loan given by the government with the fulfillment of some documents.

    PM Mudra Loan Scheme

    PM Mudra Loan Scheme has been started by the Central Government. Through this scheme, loans will be given to people who wish to start their businesses. The government will give loans ranging from ₹ 50,000 to ₹ 10 lakh to those interested people.

    There is no processing fee of any kind on the loans given by the government. You can apply for this loan by going to the nearest bank. Interest on the loan received under the PM Mudra Loan Scheme has to be paid based on the loan amount in which applicants have to pay 10% to 12% interest.

    Pradhan Mantri Mudra Yojana

    Through various schemes running in the country, benefits are provided to the poor and needy people. If you know about each scheme at present, you will find that a large number of people are getting benefited through these schemes.

    Pradhan Mantri Mudra Yojana

    In some schemes, financial help is being given and in some schemes, some goods or subsidies are being given. In this sequence, there is a scheme through This scheme was discussed on the last day because Finance Minister Nirmala Sitharaman made a big announcement related to this scheme during the budget.

    Also, know about this announcement and also know if you want to apply for these loans that are given to people. This scheme is run by the Central Government whose name is Pradhan Mantri Mudra Yojana.

  • Pradhan Mantri Awas Yojana (Urban) Goal Of Providing Affordable Housing For All In Urban Areas

    Pradhan Mantri Awas Yojana (Urban) Goal Of Providing Affordable Housing For All In Urban Areas

    The Modi Cabinet has approved the Pradhan Mantri Awas Yojana-Urban (PMAY-U) 2.0, under which to build, buy, or rent houses at low cost in urban areas over five years (2024-25 to 2028-29). Financial assistance will be provided to 1 crore urban poor and middle-class families.

    PMAY-U is an important flagship initiative of the Central Government, designed to ensure that durable ‘pucca’ houses are provided to every eligible person in urban areas, regardless of weather conditions.

    These People Will Get The Benefit

    Pradhan Mantri Awas Yojana

    The Narendra Modi-led government has initiated the construction of a total of 10 million residential units for the benefit of low-income and middle-class families living in urban areas.

    This ambitious project involves a substantial investment of Rs 10 lakh crore, which includes a government subsidy of Rs 2.3 lakh crore.

    In the initial phase of PMAY-U 2.0, a total of 1.18 crore houses have been authorized, out of which more than 85.5 lakh houses have been successfully constructed and handed over to the right beneficiaries.

    The Aim Is To Benefit The EWS Family

    EWS families are those families whose annual income is up to Rs 3 lakh. LIG families are those families whose annual income ranges from Rs 3 lakh to Rs 6 lakh. MIG families are those families whose annual income ranges from Rs 6 lakh to Rs 9 lakh.

    Last year, in his speech on the occasion of August 15, PM Modi said that the weaker sections living in cities have to face many problems. Middle-class families are dreaming of buying their own house.

    We are coming up with a new scheme in the coming years, which will benefit those families who live in cities but are living in rented houses, slums, chawls, and unauthorized colonies.

    If they want to build their own house, we will help them by giving relief in interest rates and loans from banks, which will help them save lakhs of rupees.

    The Government Will Give A Subsidy

    The corpus fund of the Credit Risk Guarantee Fund Trust (CRGFT) has been increased from Rs 1,000 crore to Rs 3,000 crore to provide the benefit of credit risk guarantee on affordable housing loans from banks or housing finance companies.

    Pradhan Mantri Awas Yojana

    Apart from this, the government has also launched the Interest Subsidy Scheme, which aims to increase subsidies on home loans for economically weaker sections and low and middle-income group families.

    Eligible beneficiaries availing loans up to Rs 25 lakh with home value up to Rs 35 lakh will get a 4% interest subsidy on the first Rs 8 lakh of loan for a tenure of 12 years.

    A maximum subsidy of Rs 1.8 lakh will be distributed to eligible beneficiaries in 5-year installments through a push-button mechanism. Beneficiaries will get access to their accounts through a website, OTP, or smart card.

  • Prime Minister Kisan Pension Scheme Provides Minimum Assured Pension of ₹3,000 Per Month

    Prime Minister Kisan Pension Scheme Provides Minimum Assured Pension of ₹3,000 Per Month

    Pradhan Mantri Kisan Maandhan Yojana is a government initiative that provides financial security to small and marginal farmers in old age. In this scheme, people between 18 to 40 years of age are eligible.

    After the age of 60 years, farmers will get a pension of Rs 3000 per month and if unfortunately the farmer dies, then his wife will get 50 percent of the pension amount. Both husband and wife can get a pension under this scheme

    Prime Minister Kisan Launched in 2019

    The Government of India has started many schemes to ensure the economic security of farmers, one of the major schemes is the Pradhan Mantri Kisan Maandhan Yojana.

    Prime Minister Kisan Pension

    This scheme was launched in 2019 and aims to provide financial security to small farmers in old age. Under this scheme, farmers can avail a pension of Rs 3000 every month after the age of 60 years by making a monthly investment of just Rs 55.

    Both husband and wife can avail the benefit of this scheme separately and get a total pension of Rs 6,000 per month.

    Prime Minister Kisan Maandhan Yojana

    Pradhan Mantri Kisan Maandhan Yojana is a government initiative that provides financial security to small and marginal farmers in old age. Farmers between 18 to 40 years of age can apply for this scheme.

    Depending on age, farmers have to make a monthly contribution of Rs 55 to Rs 200, which gives them a pension of Rs 3000 per month after the age of 60 years.

    This contribution depends on the age of the farmer and the maximum annual contribution is Rs 2400 and the minimum contribution is Rs 660.

    Eligible For This Scheme

    The benefit of Pradhan Mantri Kisan Maandhan Yojana is available to those farmers who have cultivable land in their name.

    Both rural and urban farmers can avail the benefits of this scheme, but existing and retired officers of state and central government, PSUs, and government institutions do not get the benefit of this scheme.

    Additionally, farmers paying income tax and individuals receiving monthly pensions of more than Rs 10,000 are also not eligible for this scheme.

    Prime Minister Kisan Pension

    Benefits of PM Kisan Maandhan Yojana

    After the age of 60 years, farmers will get a pension of Rs 3000 per month and if unfortunately the farmer dies, then his wife will get 50 percent of the pension amount. Both husband and wife can get a pension under this scheme.

    If the depositor exits in less than 10 years under the scheme, he is paid the amount as per the interest rate of the savings account along with the deposited amount.

    If the depositor exits the scheme after more than 10 years but has not completed 60 years of age, the interest deposited in the pension fund or the savings account interest, whichever is higher, is paid.

    Register For Free

    1. First of all, go to the nearest Common Service Center (CSC) and register for free.
    2. Submit all the documents related to your and your family’s annual income and land.
    3. Provide your bank account information to receive money.
    4. Link the application form with an Aadhar card.
    5. After this you will be provided a pension account number.

  • 18th Installment of PM Kisan Samman Nidhi Be Released Know Details

    18th Installment of PM Kisan Samman Nidhi Be Released Know Details

    Till now 17 installments of PM Kisan Yojana have been released. Under PM Kisan Yojana, 17 installments have been released so far. The 17th installment was credited to the farmers’ accounts on 18 June, and now farmers are waiting for the next installment.

    PM Kisan Samman Nidhi Yojana was started in February 2019, in which farmers get 6000 rupees in a year. Farmers are getting the benefit of this scheme and now farmers are waiting for the next installment.

    It is expected that farmers can get the 18th installment by the last week of October, but it is also being heard that some farmers can be left out of this scheme, they may not get the benefit of this scheme,

    Kisan Samman Nidhi

    E-KYC – Any farmer brother who has not yet done E-KYC, his installment can be deposited.

    LAND VERIFICATION – If the beneficiary farmer brothers of the scheme have not got the land verification done, then the installment will not come in the account

    NPCI is not active – The installment can also be credited to those farmers who have not linked their Aadhar card with the bank, i.e. NPCI has not been activated. Necessary work to get installment.

    Registry of land – If you have not got your land registered then complete this process immediately because without this you cannot take advantage of this scheme, so it is necessary to complete this process.

    E-KYC – To complete this process, you can go to PM Kisan’s official website pmkisan.gov.com and do E-KYC. For this, Aadhar card number and your registered mobile number will be required.

    How to check name in the list:

    You can check your name by visiting the PM Kisan Yojana website.
    Go to the website PMkisan.gov.com

    • Go to the “know your status” option and click.
    • Check by entering the registration number and captcha code.
    • Click on “get detail and check your status on the screen.
    • The 17th installment was released in June

    Kisan Samman Nidhi

    The 17th installment of PM Kisan Yojana was released in June 2024 through Baransi. In which an amount of Rs 20000 was transferred to the farmers of the country.

    The main objective of this scheme is to help the farmers in their agricultural works along with helping the farmers’ daughters. Under PM Kisan Yojana, 12 farmers of the country will be given loans. Business farmers are benefited.

    To ensure this, several measures have been taken so that all the farmers who come under this scheme can get its benefit.
    If you also want to take advantage of this scheme, then complete all the activities under it and you can also take advantage of this scheme.

    Only by completing the tasks like E-KYC and registry, you can take advantage of this scheme.