MeraPlanet

AI vs. Human Intelligence: A Harmonious Partnership

2023-09-24T18:38:00.004+05:30

In the ever-evolving landscape of technology, the debate surrounding artificial intelligence (AI) versus human intelligence has become a captivating and pivotal discussion. The emergence of AI has sparked both fascination and trepidation, raising questions about the potential of machines to match or even surpass the capabilities of the human mind. However, it's essential to view this not as a competition but as a complementary relationship that offers boundless possibilities for the future.

## The Rise of Artificial Intelligence

Artificial intelligence, once the stuff of science fiction, is now an integral part of our daily lives. Machines have become capable of performing complex tasks, from image recognition to natural language processing, at a level that was once unimaginable. This has led to significant advancements in various fields, including healthcare, finance, and transportation, revolutionizing the way we live and work.

## The Power of Human Intelligence

On the other hand, human intelligence remains unparalleled in its complexity and adaptability. Our ability to think critically, solve problems, experience emotions, and exercise creativity sets us apart from any machine. Human intelligence is a source of innovation, empathy, and ethical judgment, qualities that are difficult to replicate in AI systems.

## Synergy, Not Competition

Rather than framing AI and human intelligence as adversaries, we should recognize the potential for a harmonious partnership. AI can augment and enhance human capabilities in numerous ways. For example, in the field of medicine, AI algorithms can assist doctors in diagnosing diseases more accurately and quickly, ultimately improving patient care. In education, AI-powered tools can personalize learning experiences, catering to individual needs and helping educators reach students more effectively.

## Unleashing Creativity

AI's ability to process vast amounts of data and identify patterns can be a catalyst for human creativity. Artists and musicians are already experimenting with AI-generated content to expand their creative horizons. Writers and designers are using AI tools to automate repetitive tasks, allowing them to focus on the more imaginative aspects of their work.

## Ethical Considerations

As we embrace the potential of AI, we must also address the ethical implications. Ensuring that AI systems are designed and used responsibly is paramount. Ethical concerns, such as bias in AI algorithms and the impact on employment, require careful consideration and regulation to safeguard against potential harm.

## The Road Ahead

The future holds incredible promise for the synergy between AI and human intelligence. AI can handle mundane and repetitive tasks, freeing humans to engage in more meaningful and creative endeavors. It can assist in solving complex global challenges, from climate change to healthcare disparities.

In conclusion, the AI vs. human intelligence debate should evolve into a conversation about collaboration. While AI possesses immense potential, it is neither a replacement for nor a threat to human intelligence. Instead, it is a tool that, when harnessed responsibly, can empower us to reach new heights of achievement and understanding. By embracing AI as a partner rather than a competitor, we can unlock a future where humans and machines work together to tackle the most pressing issues of our time and inspire innovation beyond our wildest dreams.

The Importance of Learning Basic First Aid Skills

2023-04-15T01:42:00.001+05:30

In an emergency, knowing what to do can mean the difference between life and death. That's why learning basic first aid skills is crucial for everyone. It can help you save lives, prevent further injury, and promote recovery. In this blog, we'll explore the importance of basic first aid skills and how they can help you in an emergency.

How Basic First Aid Skills Can Save Lives In an emergency, every second counts. Knowing how to perform basic first aid skills, such as CPR, controlling bleeding, and immobilizing broken bones can help stabilize a person's condition and keep them alive until medical help arrives. We'll discuss how to perform these skills and how they can help save lives.
Preventing Further Injury First aid skills can also help prevent further injury. For example, knowing how to control bleeding can prevent the loss of too much blood, which can lead to shock or even death. We'll explore how to properly control bleeding and other techniques to minimize the risk of infection.
Promoting Recovery Quick and effective first aid can help promote recovery by reducing the risk of complications and minimizing the severity of injuries. We'll discuss how to properly care for injuries and provide tips on promoting healing.
How Basic First Aid Skills Can Improve Confidence Knowing how to perform basic first aid can improve your confidence in handling emergencies and help you stay calm under pressure. We'll discuss how to handle emergency situations and provide tips on staying calm and focused.
Basic First Aid Skills for Everyday Life First aid skills can also be useful in everyday life. Knowing how to perform the Heimlich maneuver can help prevent choking, and knowing how to properly care for minor injuries can prevent them from becoming worse. We'll explore how to use basic first aid skills in everyday situations.

Conclusion: Learning basic first aid skills is essential for everyone. It can help save lives, prevent further injury, and promote recovery. By knowing how to perform basic first aid skills, you can be prepared to handle emergencies and potentially save lives. Don't wait until it's too late - start learning basic first aid skills today.

How to live long life?

2023-02-21T00:48:00.004+05:30

Living a long and healthy life is a complex topic with many factors involved. Here are some general tips for living a long and healthy life:

Maintain a healthy diet: A balanced diet consisting of a variety of fruits, vegetables, whole grains, lean protein, and healthy fats can help you maintain a healthy weight and reduce your risk of chronic diseases.
Exercise regularly: Regular physical activity can help you maintain a healthy weight, improve your cardiovascular health, and reduce your risk of chronic diseases.
Manage stress: Chronic stress can have a negative impact on your physical and mental health. Find healthy ways to manage stress such as meditation, deep breathing, or exercise.
Get enough sleep: Aim for 7-9 hours of sleep each night to help your body repair and rejuvenate.
Avoid smoking and excessive alcohol consumption: Both smoking and excessive alcohol consumption have been linked to a range of health problems.
Stay socially connected: Maintaining strong social connections with friends and family can help reduce stress and increase feelings of happiness and well-being.
Stay mentally active: Regular mental stimulation, such as reading, learning a new skill or language, or solving puzzles, can help keep your brain healthy.

It's important to note that genetics also play a role in longevity, and not all aspects of aging can be prevented. However, by taking steps to live a healthy lifestyle, you can increase your chances of living a long and healthy life.

Unique Facts which you never heard before

2023-02-20T22:20:00.000+05:30

Some unique and interesting facts that you may not have heard before.

A group of flamingos is called a flamboyance: Yes, that's right! A flamboyance is a group of flamingos, and it's not hard to see why they were given that name.
The shortest war in history lasted only 38 minutes: The Anglo-Zanzibar War of 1896, fought between the United Kingdom and the Zanzibar Sultanate, holds the record for the shortest war in history. The war began at 9:02 am on August 27 and ended at 9:40 am the same day.
The world's largest snowflake on record was 15 inches wide and 8 inches thick: According to the Guinness World Records, the world's largest snowflake was recorded in Fort Keogh, Montana, in 1887.
The longest time between two twins being born is 87 days: Maria Jones-Elliott gave birth to her daughter, Amy, on June 1, 2012, but her son, Jack, was not born until August 27 of the same year.
The tallest mountain in the solar system is Olympus Mons: Located on Mars, Olympus Mons is the tallest mountain in the solar system. It stands at a towering height of 22 km (14 mi) and is almost three times taller than Mount Everest.
The world's largest mushroom covers over 2,200 acres: The "humongous fungus," or Armillaria ostoyae, is the world's largest organism. It's a mushroom that covers over 2,200 acres in Oregon's Blue Mountains.
The highest temperature ever recorded on Earth was 134 degrees Fahrenheit: The highest temperature ever recorded on Earth was in Furnace Creek Ranch, California, on July 10, 1913. The temperature reached a scorching 134 degrees Fahrenheit.
The world's oldest piece of chewing gum is over 9,000 years old: In Finland, archaeologists discovered a piece of chewing gum made from birch bark tar that is over 9,000 years old.
The longest wedding veil ever made was longer than 63 football fields: Created by Lebanese designer Reem Acra, the veil was over 1.8 miles long and had to be carried by 10 people during the wedding ceremony.
The world's largest spoon collection belongs to a man in Germany: Michel Laudahn from Germany has a collection of over 5,000 spoons, which he has been collecting since 1979.
These are just a few unique and interesting facts from around the world. There are many more out there, waiting to be discovered and shared. So, keep learning, exploring, and discovering new things!

The Key to Complete Happiness: Tips for Living a Fulfilling Life

2023-02-16T02:47:00.002+05:30

Happiness is an elusive concept that many of us strive for but find difficult to achieve. We often think that material possessions, a successful career, or a happy relationship will bring us happiness, but these things are only temporary. True happiness comes from within, and it is up to us to cultivate it. In this blog, we'll explore some tips for living a fulfilling life that can lead to complete happiness.
Practice Gratitude
Gratitude is the foundation of happiness. When we appreciate what we have, we are less likely to focus on what we lack. Take a few minutes every day to reflect on the things in your life that you're grateful for. This can be anything from a supportive friend to a beautiful sunset.
Focus on the Present Moment
Many of us spend our time worrying about the past or the future, but the only moment we truly have is the present. Learn to be fully present in each moment and appreciate the beauty of life as it unfolds. Mindfulness practices like meditation or yoga can help you cultivate this mindset.
Cultivate Meaningful Relationships
Our relationships with others are one of the most significant sources of happiness in our lives. Take the time to nurture your relationships with family, friends, and loved ones. Make an effort to connect with others, be empathetic, and show kindness.
Pursue Your Passions
Find the activities that bring you joy and fulfillment and make time for them in your life. This could be anything from reading books to hiking in nature. Engaging in activities you enjoy can increase your sense of purpose and satisfaction.
Practice Self-Care
Taking care of yourself is crucial to living a happy and fulfilling life. This includes eating a healthy diet, getting enough sleep, and exercising regularly. Additionally, practice self-compassion by being kind to yourself and acknowledging your accomplishments.
In conclusion, true happiness comes from within and is the result of living a fulfilling life. By practicing gratitude, being present in the moment, nurturing relationships, pursuing your passions, and taking care of yourself, you can achieve complete happiness. Remember, happiness is not a destination, but a journey. So, take the time to enjoy the ride and appreciate the beauty of life

How to achieve mental Peace of mind yourself?

2021-06-02T23:59:00.006+05:30

Today, Human is very unsatisfied with his or life due to various reasons. Reasons can be like monetary, family issues, social status, heart break, depression etc.

The good news is, there’re simple things you can do to calm your thought.

A). Mindfulness

Be mindful and it will push to present in the moment and acutely aware of our five senses: touch, taste, sight, hearing and smell.

Always try to engage your senses. This leaves less time for your mind to worry about the things.

B). Be satisfied what you have

Human wants are unlimited and have greed nature which leads to distract you to live a peaceful life. So always try to be happy what you have.

C). Enjoy your time

Time out is important. A little bit of selfish time to treat yourself or do exactly as you please sets you up for taking on the constant demands of life. Balance in life is crucial.

D). Do not worry

We apparently have somewhere between 30,000 – 75,000 thoughts per day, of which 80% are random “nonsense.”

E). Live in the Moment

Instead of worrying about the past or panicking about the future, really enjoy the NOW. It’s all we have — this moment in time.

When we live in the present, the concerns of the past and future can’t worry us.

Guys, always remember everything temporary in life. So be happy and enjoy life because life is to short to enjoy.

Why am I feeling stress and unsatisfied with my life?

2021-04-01T00:22:00.008+05:30

Guys, In today's world, Humans are very unsatisfied with the life. The reasons can be many more, so before jumping to reasons of stress and unsatisfied with life, we have to know what is stress and lack of dissatisfaction.

What Is Stress?

Stress can be defined as any type of change that causes physical, emotional, or psychological strain. Stress is your body's response to anything that requires attention or action.

Everyone experiences stress to some degree. The way you respond to stress, however, makes a big difference to your overall well-being.

What is dissatisfaction?Its Definition and Meaning

It is a very human feeling that can be contextualised in very specific areas: in the work , a person can feel this way when he has a precarious work , in a stage of long-term unemployment, before a job that does not connect with professional vocation, to be stuck at work.The dissatisfaction shows a level of personal disenchantment produced for the frustration that he has not fulfilled a certain desire .

One of the great victims of dissatisfaction is the personal relationships of the sufferer.His character changes, this bitter , does not celebrate the successes of others, and before his constant complaint , others get tired, distance themselves, and the dissatisfied stays and feel lonely, and different from others.Work aspects are also affected; some are constantly changing jobs, studies, etc., looking for an option that satisfies them but, unfortunately, they cannot find it.

This behavior can also be reproduced in other areas of your life , as is the case of romantic relationships, because they often do not find a person who meets the requirements demanded by them and, if their partner does not leave them before, it is they who break the relationship, or maintain it with a poor quality.

From a positive point of view, the feeling of dissatisfaction offers valuable information about the need for a change in a given area, so the person who takes Awareness of how you feel can value doing something about it.

The most frequent cause of chronic dissatisfaction is mood problems, such as depressive disorder; but there may be a chronic dissatisfaction without the presence of depression in those cases in which the person does not feel fulfilled, or considers that what happens in his life does not pursue any specific objective, either because he does not succeed in establishing it, or because other people or circumstances prevent you from getting it.In the first case, dissatisfaction is high levels of frustration , sadness and apathy , while in the second case, it is the Who will take dissatisfaction by the hand to do the most complicated " task " to those who suffer from it.

Finally, there are people for whom dissatisfaction is not always present, but that appears shortly time after having achieved its objective.This fact , which might seem contradictory, usually occurs in people who have a pronounced feature of search for sensations and that, therefore, rap they are 'tired' of their achievements, and lose interest in them.

It also happens in those cases in which the goals have been too easy to achieve, so Once reached, they lose interest.

I hope now you are aware of stress and dissatisfaction now. As we all know that human's demand and wishes have no end for that he try many things and fail and lose patience due to that he leads to stress and dissatisfaction with life. Satisfaction is nothing, its just mental status.

What are Covid-19 bio-bubbles, and how have they helped sport?

2021-03-31T23:14:00.002+05:30

What is the bio-bubble?

A bio-secure environment or bio-bubble is planned to prevent the spread of corona virus (Covid-19). With bio-secure venues for cricket matches, the International Cricket Council (ICC) and its member boards are aiming to minimise the risk of transmission of the virus from one person to another during an ongoing tournament or bilateral series.

The sporting world has managed to overcome the Covid-19 pandemic by creating “bio-bubbles”. These are sanitised areas that can be accessed only by a certain set of people who are not infected with the virus. From the Indian Premier League to the US Open and the NBA, tournaments have taken place in the last year using this strategy.

The flip side, however, is the psychological impact it has on sportspersons. The bubble entails being confined to certain areas and limits who one can meet and interact with.

No outings, no friends

A key element of the bio-bubble is that players will not be permitted to have access to families, visitors, friends, and relatives for the duration of a tournament. Cricketers will not be permitted to pay a visit to family or friends, outside the team’s bio-secure environment.

Bio-bubble breach

First such example was highlighted when England bowler Jofra Archer was dropped from the second Test because he breached the bio-security protocols. stopping at his flat while travelling from one venue to another, and had to be quarantined. Pakistan's Mohammed Hafeez broke the bubble and interacted with a family outside the bubble, and has to self-isolate for five days.

3 things which you should do everyday in morning

2020-10-11T21:55:00.004+05:30

We can make the most of our day and this out of our life if we begin our day in proper state of mind. Here are five things to dwell upon as soon as you up every single day, number one.

1). Begin you day with Gratitude :-

Don just charge your mobile, laptop, smart watches first in the morning. Charge yourself up as well with positivity will last you all day amd most powerful of all posture emotions that will make you feel empowered is gratitude because it forces you to shift your attention to blessing than to your problem which are anyways going to be an integral part of our life.

2). Resolve to have positive vision: -

No body including ourselves is perfect everybody has a good and a not so good side to them and tendency of the mind is to look at the not so good side. Every morning resolve that you will try and look at the positive of the people and neglect or deal with a dark side because more we focus on the negative our become occupied with others faults ruining our work, our peace our joy and even

3). Trust the broader: -

Broader plan tell yourself whatever is going to happen today the apparent good or the apparent bad is exactly what I need at this point of time in my life nothing more nothing less have complete trust that every incident that is going happen throughout the day that which is beyond your control is simple a small part of a much larger picture that will unfold eventually only for your good and your well being keep reminding your self of this as you confronted with challenging situations through the day.

How to reprogram our subconscious mind?

2020-09-12T13:08:00.012+05:30

First, we need to identify how subconscious mind works and how powerful is it. When you will done with it you will know how to reprogram it.

It is very well explain by Monk Dandapani.

"If you remember monks have been using affirmation forever, they call It Mantras in Sanskrit. They chant it many times in a day with using beads. Lot of people say these are prayer beads but monks actually like affirmation on Mantras beats. Monks use these to actually program their subconscious mind. So chant on each beads, means chant on affirmation. Happy or confident, monk repeat same mantra over and over again with 108 beads. So you can imagine how your subconscious mind get programmed. Affirmation is part of 3 ingredients which concise of positive words. Clear visualization and a correspondence feeling and most people don't understand this when it comes to affirmation. They just say the worlds but no visualization, no feelings. So for example I say "I love apple". Concise charts of positive words, Now I say word "I" my minds knows That I am talking about me. When I say love, my mind knows he likes it, enjoy it. And when I say word "Apple", My mind get confused because it search my entire mind hard drive, and subconscious from the day since I born. A green apple, red apple, big apple, small apple, fresh apple, costly apple, cheap apple, apple IPhone, Apple watch, Apple IPod. What kind of Apple is it, I have no idea. So words along is not enough. So what is why we have visualization. So when we have clear visualization about what I am talking about then my say oh he is talking about Red Apple. I love apple means I love Red apple. So that's why words and visualization is important. Okay then feeling is emotion and emotion is energy and you know famous scientist "Tesla" not personal But obviously through his reputation. He had this beautiful saying which kind of encapsulates hindu philosophy really well. He said that to find the secret of the world think in terms of energy frequency and vibration. Everything is made of energy that is vibrating at a certain frequency. So what we believes that

If Your subconscious mind is filled with the pattern that is vibrating at a certain frequency. Anger could be vibrating at 20 Kilohertz, Happiness at 30 KHZ, I could be any number. If you go to your subconscious mind and pattern it and infuse it with energy that's vibrating at a certain frequency, you can attract thing of similar nature of it. So If I go to subconscious mind and repeat affirmation, which concise of positive words with clear visualization and infuse the feeling into it. What does it feel like, right? And it starts to vibrate in my subconscious with that path at that frequency, Now it attracts anything of similar. So I give you very simple example: Boy dates girl. They go out for 2 years, they have a great intimate relationship, they break up. Boy hangs out with friends to get over the relationship, girl does, you know, chocolate, shopping, wine therapy with her friend for six months. Finally says: I am over him. She started dating again who does she attract into life, Quite often similar guy. You know different person but with same vibration same type of person I have had so many people so many people come up to me boy and girl, and say I keep attracting the same type of person into my life. A common thing I hear all time. Why?? Because you date John dates Sue. They have 2 years of relationship. Sue has vibration that have experiences emotional experiences that are vibrating the frequency of John in her subconscious. They broke up those. Experiences are still vibrating at the frequency of John in her subconscious mind. Now, she goes to date, who does she attract? Another John name Peter of similar frequency that just happened. So energy does not discriminate between what's good for you and what's not good for you. Its just energy so anything of a similar frequency gets drawn to you. "

So if you know how subconscious mind works and you know how to program it using affirmation with clear chart words. Concise choice of positive word clear visualization amd corresponding feelings being the most important component because its actual energy that attract. Then you can draw bring into your life anything you want.

Please share and comment if you like the post.

What is Shrinkage ? How to calculate it in BPO/KPO?

2020-07-03T01:21:00.003+05:30

By Gaurav Chhokar

Updated on July 03, 2020

Shrinkage is common term which is used in almost every BPO, KPO and call centers.

So without wasting much of time. Let's understand What is Shrinkage ? How to calculate it in BPO/KPO,

Shrinkage is loss of production time or time for which employees are paid during that time they are not available for production. On other hand, We can say that shrinkage is time of production which is lost. Shrinkage can be planned or unplanned.

Planned shrinkage are planned leaves, trainings, coaching, team meetings, public holidays and fixed breaks etc

Unplanned shrinkage are unplanned leaves, early leaving office, latency issue, and technical issues etc.

Calculations

Shrinkage calculation for headcount: -

-)Shrinkage = Planned shrinkage + Unplanned Shrinkage

-)Planned Shrinkage = (No. of week-off + No. of leaves)/Total Head-count

-)Unplanned Shrinkage = {No. of absent + (Half day/2)}/ Total Roster-count

-)Total Head-count = Number of agents available in ERP

-)Total Roster-count = Total Head-count – (Planned Leave + Weekly-off)

Shrinkage calculation for hours: -

-)Shrinkage% = (1- (Total staffed hours/Total scheduled hours))

-)Total Staffed hours = (Total answered calls*AHT) + Avail time + productive hours

-)Total scheduled hours = Total agent hours rostered for the day/week/month

Let’s understand these calculations with example

Suppose, we have total 100 head-count in ERP; and out of 100, 12 are on weekly offs and 8 are on planned leaves, hence Planned Shrinkage head-count (employees)will be

20 = (12 + 8)

So planned shrinkage% will be

20% = (12+8)/100

As we have total planned shrinkage 20. Hence, total roster-count will become

80 =100- (12+8)

Now, we have total roster-count (available employees)80 hence, we will roster all of them for 8 hours in a day.

Suppose, 8 people take full day unplanned leaves and 4 people take half-day unplanned leaves out of 80 roster-count hence, unplanned shrinkage head-count will be

10 = 8 + (4/2)

So unplanned shrinkage% will be

12.5% = (8+(4/2))/80

Let assume that there is no unplanned absenteeism and all 80 staffs are present in office. At the end of the day, they delivered total 600 staffed-hours against the 640 (80 staffs x 8 hours) scheduled hours.

So, the shrinkage hours% will be

6.25% = (1- (600/640))

Best way to live life to fullest

2020-05-03T20:30:00.000+05:30

By Gaurav Chhokar

Updated on March 03, 2020

People used to ask me why am I not happy in my life? Where can I find happiness? How can I live life like fullest?

But before I start to answer of all your questions. I want to ask - have you ever tried to find out reason of your problems and challenges of your life which leading your mind to be unhappy? If not then this article is for you.

For a moment, Forgot about your problems and focus on below principles which will help you to understand the life in better way then you can get rid of your problems. Let's start

1) Find purpose of your life.

First of all, You need to find the purpose of your life. Most of the people don't have any purpose in their life, that is why it leads to unhappiness and starting of thought that I am not happy. The people who has a special purpose and goal in life because it gives direction to human and if person goes to right direction it gives them happiness.

For Example: Want to open NGO, Want to open own business, World tour, Want to provide luxury life to parents, Help poor people etc.

2). One day you will be no more.

May be in 60 years, or in 60 weeks or in next 60 day or may be today. You don't know, I don't know when it going to end. Death is not in our control, everyone have to die one day, it is bitter truth of life. It is not matter, so what is matter? Matter is how you dealing with your life. Life is very short and need to enjoy it fullest and people who knows about you, will know you forever.

3) Everything is temporary in life

Sadness, difficult time, worries, pain of losing someone, joy, happiness or can be anything all are temporary in life. So no need to worry about anything. The beautiful thing about life is we never know what is coming next. Everything can change in the blink of an eye, whether we like it or not. We must learn to delight in what is here, in the now, right this very moment. We must develop an attitude of gratitude for what is right in front of us.

4). Focus on what you make happy,

We know happiness leads to peace of mind, positive thoughts and energy goes around your mind. If thing "X" make you unhappy and "Y" makes you feel better then don't make time for it. Nothing is worth it if it doesn't make you happy. So always ask one question to yourself before do anything " Does it make me happy?".

5). Don't change yourself for other. Be YourSelf - Always!, No Exceptions!

Its such a tragedy to see so many people in the life who living lives they don't wanna live just because they listened to other people who did the same.
Have you ever lived your life in the way you want? If Not then just try for one week you will see different between REAL YOU and YOU who is driven by others.
The only way to be happy and successful in this life... Is if YOU BE YOU.

Try to implement all principles in your life. You will see changes soon.

Focus- The career maker

2020-03-03T11:53:00.000+05:30

By Gaurav Chhokar

Updated on March 03, 2020

As we know It is globalization era and how important is Focus for us in the world of many distractions.

For some people, It's just a word but the person who knows the importance of Focus it is game changer and key of success. Sometimes you might think why didn't you achieve which you decided in your life. The main reason of your failure is lack of focus. Our focus decides our career.

Bill Gates said- Reason of my success is my focus was on very less things that gave me edge to do something with full strength and focus.

We all know Milkha Singh. He had a goal in his life and he focused on that only. His goal was to wear the Jersey of India. He determined that India ki Jacket... India ki jacket... India ki jacket. Always chanted that and by doing this, He conceived that Indian jacket and believe in indian jacket and then achieved indian jacket.

So we need to convince our goal and believe in our goal and achieve our goal and this all comes from Focus. Focus is a meditation, art, patience, and journey of your goal.

Focus and Goal are directly proportional :-
Focus is one of the main vehicle which help you to achieve your goal. Goal and Focus are directly proportional to each other. More focus more you achieve goal.

Focus and Distraction are inversely related
As simple as that more distraction less focus, and less focus, less chance to achieve goal.

If you want to achieve your dreams then need to follow below mantras: -

1). Focus on Goal (Like Milkha Singh had Goal 45.9 second to finish the race)
2). Identification of distraction (make social media rituals, make practice of say "No")
3). Raise your standard (Don't just limit your self to 50 push ups, increase it day by day)
4). Mentor is important in life (Person who can give you right direction)

Decide right now what is your goal and make a mind to do hard work by focus on it and do anything to achieve your goal.

Gita Shlok:- अनुकूलस्य संकल्प: प्रतिकूलस्य वर्जनम् | (If it is contributing to your goal statement Accept it, if it is not contributing to your goal statement Rejected it)

One of the best way to Focus: -

-First make your Goal (In which you interested and life time goal or short term)
-Then chant it 25 times in a day
-By doing this, your mind will conceive it
-Once your mind conceive it after that your mind will start to believe in it.
-After you start believing in it, your focus automatically go to those things which will help you to achieve your goal

If you like the Article please share your feedback below.

5 lessons to live By - Dr. Wayne Dyer

2020-02-01T14:00:00.000+05:30

1). When you change the way you look at things, The thing you look at change.

Albert Einstein once observed that most fundamental and major decision you have to make in your life is this "Do I live in a friendly or in a hostile universe?" which is it? Is it a universe that is filled with hostility and anger and people wanting to hate each other, people wanting to kill each other. Is it that way you see each other because when you see the world that way.. That's exactly what you will create for yourself in your life. This is from great scientific minds. And the interesting thing is that this is not just a clever play on words that when you change the way you look at things the things you look at change. I would like you to imagine the following scene "you are in house and you have got your car keys in your hand... Lights go out power failure. You can't see a things, you stumble around in your living room and you drop your keys and you look around for a moment and you realize that you are never going to find them in dark but you look outside and you notice that street lights are on... So in your mind a light bulb goes off.. I am not going to sit around in dark and grope around looking for my keys when there is a light on outside. I am going to go out here under the street light and i am going to look for my keys. Why are you laughing this makes a lot of sense. So you are out here and you are groping around and you are looking for your keys and your neighbor comes and ask what happened, Wayne? Well i dropped my keys, oh i help you look for them and the two of us are down here looking for our keys. Finally he say to me: excuse me but where did you drop your keys, well um. I dropped them in house. He said: you mean to tell me that you dropped your keys in the house and you are looking for them out here in the street that doesn't not make any sense. Now, you laugh and see how silly that is but isn't that exactly what we do when we have a problem a difficult, a struggle that is located inside and we are looking for solution outside. Some place outside of ourselves. You are the one with struggle and difficulties and expecting somebody else to change or something outside of you to get better in order for you to make your life work is something you have to really take a hard look at. It's in here, inside you.

2). There are no justified resentments

This is very difficult principle to many people to get, i want to believe very strongly. I was in a group, one time of drug addicts and alcoholics and the sign on the wall said these is no justified resentments in this group. What I said to that group, that night was No matter what anybody says to you, no matter what kind of anger comes directed toward you, No matter how much hate you may encounter showing up in your life. There are no justified resentments means if you carry around resentment inside of you about anything or about anyone and I am talking about the person that you lent money to hasn't paid you back. I am talking the person in your life that you feel was abusive in your life, i am walking about the person who walked out on you and left you for somebody else, I am talking about all of the things that you have justified in your heart and in your life that you have right to be resentful about and I am suggesting to you that those resentments will always end up harming you and creating in you a sense of despair. No one ever dies from snake bite. The snake bite will never kill you. You can't be un-bitten.Once you are bitten, you are bitten. But it's Venom that continues to pour through your system. After the bite that will end up destroying you.

3). What you think is what you became

Basically it all begging with how you choose to think. As you think, so shall you be. 7 little words that I think you should perhaps the most important thing we can learn and master in our lives. This old proverb notion that I become what i think about abd once you know that what you think about is what expands you start getting real careful about what you think about you don't allow your thoughts to be on anything that you don't want.

4). Have a mind that is open to everything but attach to nothing.
One of the central principle of my life that no one knows enough to be a pessimist about anything and that each and everyone of us when we close our mind to what is possible for us or what is possible for humanity closes of the genius that resides and lives in each and every one of us. Having an open mind doesn't mean finding fault with all of the things that you have been taught by others. It means opening yourself up to the potentiality and possibility that anything and everything is possible. So having a mind that open to everything and attach to nothing which means finding within ourselves the ability to get rid of trail that I find so common in the contemporary world. Do you know, most people I meet spend their lives looking for occasions to be offended. They actually are out there hoping that they can find some reason to br offended and there is no shortage of reasons, they are out there everywhere. Great mind never focus on such things.

5). Don't die with your music still in you.

Who better to quote, than Thoreau. When he talked about, some of us. Hear a different drummer.. We must march to music we hear. but all of you have some music playing, all of you have heroic mission. There is no accidents in this universe. We all shoe up here with a purpose. There is an intelligence that is part of everything and everyone and all of us are connected to it.Too many of us afraid of listen that music and march to it. I meant to say follow your passion and your dreams.

How to be mentally strong? And Why do we need to be mentally strong?

2019-12-30T11:35:00.002+05:30

By Gaurav Chhokar

Updated on December 30, 2019

As we know its globalization era. We have lot of problems and challenges in our daily life that leads to get frustrated, depressed and become mentally weak. We need to be mentally strong, not just to face the problems but also to live the life in better manner. If a person is mentally strong then he or she can face any challenges In his or her life.

Now question arises how to be become mentally strong, So we can face any problem in our life?

First we need to know actually what mentally strong means? As we know our brain react accordingly as per the situations. If you have noticed ever that different people react differently in same situation but why it happens? Why it not react in same way? The reason is metal status of our mind. Brain react as it is taught and it observed the things in the past. Let's understand it by a simple example.

Suppose two student John and Michele failed in the examination of XII standard. John started taking tension and getting stress and all time thinking about how can he fail, how will his friends and family will react. He couldn't focus on other things like sports, family time, study.
After fighting depression and stress he got on track but until that he wasted 6 months and faced health issues. He got very low score but some how manage to pass the exam. Due to low score he didn't get good college.

On other hand we have Michele who also failed and started searching for reasons why he failed and after found the reasons he started to over come them. In the next year exam he got good marks and pass the 12th standard exam. He got one of the best college in the city.

Lets now understand why Michele dealt the situation in a better manner than John? It is about your learning and dealing with things in your life previously. John got that environment in which is never learned the way of dealing with these situations, might be his surrounding face the problem in same say. There might be many reasons. Where Michele faced the same in better way due to his strong mind set, surrounding, previous learning experiences etc.

So the conclusion is nothing happen if you take stress or get depressed. These are not the solutions of dealing problems of life. Stress and tension ruin your life and your relations with other.

How to be mentally strong: -
1).It is also depend on your attitude.
2).You need to be very focused on your goal even you fail to achieve the same several times but you need to never stop to getting the your end result.
3).Meditation: - Meditation is very good exercise which we need to do every day because it gives power to focus and to be so strong in each and every situation.
4).Be positive and always think something good is going to happen.

Bonus: -
As I understand the life I would suggest remove fear of failure and just try again and again until your last breath. If you tried your best then definitely you will achieve whatever you want.

What is Quota Share Reinsurance?

2019-12-01T10:01:00.000+05:30

Quota Share Reinsurance

The distinguishing characteristic of quota share reinsurance is that the primary insurer and the reinsurer use a fixed percentage in sharing the amounts of insurance, policy premiums, and losses (including loss adjustment expenses). Quota share reinsurance can be used with both property insurance and liability insurance but is more frequently used in property insurance.

For example, an insurer may arrange a reinsurance treaty in which it retains 45 percent of policy premiums, coverage limits, and losses while reinsuring the remainder. Such a treaty would be called a “55 percent quota share treaty” because the reinsurer accepts 55 percent of the liability for each loss exposure subject to the treaty.

Most reinsurance agreements specify maximum dollar limit above which responsibility for additional coverage limits or losses reverts to the primary insurer (or is taken by another reinsurer). With a pro rata reinsurance agreement, that maximum dollar amount is stated in terms of the coverage limits of each policy subject to the treaty. For. example, a primary insurer and a reinsurer may share amounts of insurance, policy premiums, and losses on a 45 percent and 55 percent basis, respectively, subject to a $1 million maximum coverage amount for each policy.

In addition to a maximum coverage amount limitation, some pro rata reinsurance agreements include a per occurrence limit, which restricts the primary insurer’s reinsurance recovery for losses originating from a single occurrence. This per occurrence limit may be stated as an aggregate dollar amount or as a loss ratio cap. The per occurrence limit diminishes the usefulness of pro rata reinsurance in protecting the primary insurer from the effects of catastrophic events. Primary insurers exposed to catastrophic losses usually include catastrophe excess of loss reinsurance in their reinsurance programs.

Factor Affecting Reinsurance Needs

2019-10-26T20:14:00.000+05:30

The following are the main reasons to affect the reinsurance needs

1).Growth plans
2).Types of insurance sold
3).Geographic spread of loss exposures
4).Insurer size
5).Insurer structure
6).Insurer financial strength
7).Senior management’s risk tolerance

1).Growth Plans: -

A primary insurer that expects rapid premium growth is likely to need more reinsurance than a primary insurer that expects premium volume to remain stable or to decrease.

2).Types of Insurance Sold

The types of insurance that a primary insurer sells are a major determinant of its reinsurance needs. The insurance products offered by primary insurers Vary in loss stability, which affects the primary insurer’s ability to project loss experience. A reinsurance program must be tailored to the loss characteristics of the insurance that the primary insurer sells.

3).Geographic Spread of Loss Exposures

Another determinant of a primary insurer’s reinsurance needs is the geo-graphic spread of its loss exposures. A wide geographic Spread may stabilize the insurer’s loss ratio and minimize reinsurance needs, especially in property insurance. While no part of the world is completely immune to natural catastrophes, the nature of catastrophe loss exposures differs by geographic area and catastrophes seldom strike all geographic areas simultaneously. Consequently, if a property insurer’s insured loss exposures are spread over a wide geographic area, poor loss experience in one area may be offset by good loss experience in mother area during a given period.

4).Insurer Size

Insurer size is also an important determinant of reinsurance needs. Typically, small primary insurers need proportionately more reinsurance to stabilize loss ratios than large primary insurers. According to the law of large numbers, actual losses tend to approach expected losses as the number of loss exposuresincreases. Therefore, the loss ratio of a large primary insurer is likely to be more stable than the loss ratio of a small one even if the mix of business sold is identical.

5).Insurer Structure

The legal form of a primary insurer may affect its reinsurance needs. For example, stock insurers have more access to capital markets than mutual and reciprocal insurers. They may consequently be willing to accept less stability in their loss ratios and depend on capital markets to replace the policyholders surplus depleted by adverse loss fluctuations. This could be risky however because the providers of capital may not look favorably on an insurer that has just sustained heavy losses.

6).Insurer Financial Strength

An insurer that 15 financially strong needs less reinsurance than a financially weaker one for two reasons. First, it does not need surplus relief to increase its premium capacity. Second, it needs less reinsurance to stabilize its loss ratio. A stronger surplus position enables the primary insurer to absorb more adverse loss ratio vmiations. The resulting lower reinsurance costs are an added advantage for a fmancially strong primary insurer. One aspect of evaluating an insurer’s Financial strength involves assessing the stability and liquidity of its invested assets. If a primary insurer’s strategy is to rely on its policyholders’ surplus to absorb abnormal losses, that policyholders’ surplus must be invested in assets that are readily marketable and not subject to wide fluctuations in market price. Otherwise, the primary insurer’s financial resources may be insufficient to pay losses in a timely manner.

7).Senior Management’s Risk Tolerance

The decision of how much reinsurance and what types to buy is made by the primary insurer’s senior management. Although the decision may be sup ported by statistical data and financial models, it usually reflects the senior management’s risk tolerance, which is their willingness to assume risk. Senior management must be comfortable with the insurance risk assumed, particularly when setting retentions or changing the reinsurance program.

Senior management must be confident that other stakeholders are comfortable with the adequacy of the primary insurer’s reinsurance program. For example, the reinsurance program should reflect the risk tolerance of the board of directors, stockholders, or policyholders in a mutual company. Senior management must be sensitive to those stakeholders’ views.The practical effect of any proposed reinsurance program changes on supera visors and underwriters must also be considered. For example, if treaty reinsurance is used to increase large-Line capacity, then individual underwriters must adjust to the higher amounts of insurance that the primary insurer

VBA Code To Filter A Column By A Cell Reference

2019-10-12T21:34:00.000+05:30

By Gaurav Chhokar

Updated on Oct 12, 2019

How to filter a column by a value which is in specific cell. If you change the value of that cell filter will change according.

Sub Filter_by cellvalue()

Dim ws2 As Worksheet
Dim ws1 As Worksheet
Set ws2 = ThisWorkbook.Sheets("Sheet2")
Set ws1 = ThisWorkbook.Sheets("Sheet1")

With ws1.Range("A:Z")

'I filter the date by cell B2 which is in sheet 2 and column 7 which is filtered is in sheet 1
. AutoFilter Field:=7, Criteria1:=">=" & ws2.Range("B2"), Operator:=xlAnd

'filter by any string like i used MPL Which is available in the column 3
.AutoFilter Field:=3, Criteria1:="MPL", Operator:=xlAnd

End With

End Sub

Ants are better than Human beings? 6 Lessons you can learn from an Ant

2019-09-14T22:57:00.000+05:30

By Gaurav Chhokar

Updated on Sept 14, 2019

Inspiration can come from anywhere or from anyone. It can be animal or bird or anything which inspire us in our life. Ants are one of the too small creature of God but the dedication, ability, persistence, hard working ability and many more Ants have, that is missing in human beings mostly. Ants are better than human in many task. Let read 6 lessons which can change our life's direction.

1). Think Big

Ants are small but they can lift 5000 times their weight. Pursue your biggest dreams! No Task is too big if you put in all your efforts. It requires lot of efforts determination to achieve success. Give some time to sit down and really think what you want to achieve. Follow a proper plan which leads to your goal.

2). Ants are self organized creatures

Being organized helps you to recognize your goals and achieve them. Organized people are not born organized. They follow healthy habits which help them to stay organized. So if think you are disorganized person, you can learn to be organized. From panning things and write down important things which matters to you. You will become organized as soon as you practice more and more. If an Ants can, why can you

3). Ants constantly prepare for future

Plan well in advance to reach your target. Ants work for now and plan to store for the future. A human should have this ability because it is work ethics which impact our life. If you plan in advance, you will face less challenges and difficulties than others person who never plan in advance for future. So make it habit and stay away from worries.

4). Team Work

Although Ants are strong individually, they work better in groups, work as one unit to fulfill your dream. Team work bring new ideas, it support, help to solve problems, build moral. A individual Ant can't do big work alone but can with team in very less period of time. So a human should have ability to work as team.

5). Be Persistent - Ants never give up!

Persistence is the ability to stick with something. If you plan to learn programming language over a year and start doing it that is call persistent. Work hard and keep trying till you succeed. Develop ability too

6). Driven by purpose- Ants do whatever it takes to accomplish their ambitions.

Work on the solution instead of the problem.
Obstacles, challenges, and problems will happen. It’s life my friend. No one will never have a smooth journey to success. Life doesn’t work that way. Instead, choose to embrace challenge, work to find our solution of the problems.

5 interesting Facts about Space. Space is the future?

2019-09-07T23:00:00.000+05:30

By Gaurav Chhokar

Updated on Sept 7, 2019

#Space is the future

Joss bezos, Elon musk and others are not fools those who are spending millions of dollar on space programs. They know where is future and business opportunity. According to scientists, Sun is already completed half of life and after approx 400 crores years, Sun will become that much larger which will take earth inside it and destroy Earth completely. Human will no longer live at earth after resources will end. Energy is main source for live at a planet and Earth will lack of energy one day. That is main reason countries investing billions of dollar on space programs to find source of energy.

#5 interesting Facts about space

1). Sun is 149.6 million km away from the earth. Average speed of human beings is 5 km per hour. To cover distance of Sun, A human is required to walk continuously for 3,347.03 years with the speed of 5 Km. If we talk about distance of Moon from Earth that is 384,000 km. Human can cover this distance in 8.77 years with his or her walking speed of 5km per hour.

2). Sun is so large that about 1,300,000 planets like earth can fit in it. It is 333,000 times heavy than Earth.

3). Neptune is 4 light hours (243 light minutes) away from the Earth. Neptune is eight and last planet of the solar system.

4). The speed of light in a vacuum is 186,282 miles per second (299,792 kilometers per second).

5). Sun light takes 8 minutes and 20 seconds to travel from the Sun to the Earth. Moon's gravity is 6 times less than Earth.

How robotics/AI will eat your job? How to safe the job from it?

2019-09-06T11:18:00.001+05:30

By Gaurav Chhokar

Updated on Sept 6, 2019

You might be one of the best employee or average performer or you performing your responsibilities in a best way but we can't complete with robotics. According to Stephen Hawking, a well-known cosmologist, "The development of full artificial intelligence (AI) could spell the end of the human race," and Elon Musk, a renowned inventor and investor, insists, "I think human extinction will probably occur, and technology will likely play a part in this.".

Robots have already defeated us. The volume of human labor decrease from past few years due to cost of automatic machines are decreased. If I talk about reality, Robotics will capture 40% of job in next 20 years. Initially food and manufacturing industry will be impacted much. We all know that this is era of technology, innovation, automation. So we don't need to be surprised if we see jobs cut in various industry in near future.

What is robotics and why preferred by MNCs?

Robotics are nothing but computer assisted program which reduce manual interface of human beings. Now question arises why companies preferring robotics than human beings? Here is few of reasons:

1. Cost effective
2. Efficient
3. Accurate
4. Reliable

Those are the main reasons and if we talk little wide - robotics (computer assisted programd) will not go on leaves, will not get tired, no promotion etc. Companies just have to pay for built that system and maintain that. Let's see it by example:)- there are some work which you can do easily and some are best done by computer. You can think on something which computer can't do but if I say write "Hello" until 2 days surely you can't do it but computer can. There many task which computer can do much faster than human beings. So human can't complete with computer.

There are many jobs which are safe from automation, robotics, AI

1). Creative jobs like Painter, hairdresser, writers. Etc
2). Those job which requires human skills just as singer, dancer and sportpersons etc
3). Those jobs which requires empathy just as counselor, therapist, surgeon etc
4). Jobs which involves developing, maintaining or fixing automation or AI technology would be safe from robotics.

How to safe your job from automation, Robotics, AI?

We need to ask ourselves whether our work could be done by a robot. And if it can, we need to get worried. You have some option to avoid the situation of unemployment due to robotics.

First one is to partially learn the programming language. As part of daily routine there might be some task which can be automate and can boost your productivity. It will add value to you profile

Second one is push your boundaries and try to learn something new from your unusual work like knowledge of other departments or something related to your profile to add on value to your profile. Always Keep two options rather than one.

Third one is one of simple way and apply everywhere and that is domain knowledge. If you have good knowledge of particular domain like P&C insurance, banking , finance, or any domain etc. then you don't need to worry about any robotics things. How can a programmer build a program or software without any knowledge of what is to be developed. Can a programmer develop policy administration system without deep knowledge of it. To build a system always require a person who have strong knowledge of domain who can guide the developer what is needed. Person Who has strong knowledge of domain can never lose his or her job. Most importantly do certifications and add value to your profile.

Toxic people in Corporate - A Curse for our work culture.

2019-08-25T01:11:00.002+05:30

By Bhawna Bali

Updated on August 25, 2019

Who makes the corporate culture?
People's integrity, loyalty, work ethics and their beliefs are what makes the culture of any company.

But some people with lack of integrity become the reason for a toxic work environment because as they say "Integrity is something that is built overtime not overnight".

Before we begin to discuss about those people. we need to ask ourselves some questions-

Are we honest to our offices colleagues?
Are we creating good environment at workplace?
Are we creating barriers in someone's growth?

Honestly ask these questions to yourself.

Now come to the topic of discussion" Toxic people in corporate world."
Who are Toxic people at workplace? If you ask me this question I would say it doesn't matter who they are but what matters is when they try to toxify the working environment and create barriers in success of others our timely actions can help overpower their motives .

Now, you might be wondering how to identify these people?

Don't worry those people are not alien they are same like us. He or she might be your friend, your senior, junior, or general office colleague.

Here are some examples:

* They are friendly to everyone and have a huge impact in the team

* They are always seen cribbing and complaining behind their bosses back

* These people are mostly seen involved in unnecessary gossips and conversations

* These people always discourage the people working extra hours by mocking at them.

* These people always manage to Brainwash innocent co-workers to do and say things which are cultivated through their Toxic influence.

* They are ones who always manage to find an easy way out and pass the work on others shoulder

* These people are rude and disrespectful , narcissistic personality disorder, negative to others and being overly competitive.

Now you know what type of people you want to avoid in future.

How to deal with such people?
Here's the solution:

What you allow, you promote." You need to act quickly. Be prepared to coach the toxic employee “up or out,” as soon as you spot a problem behavior. Fast action lets the whole team know that you’re holding everyone accountable, and your focus is on creating a safe environment where everyone can perform at their best.

In the end Teamwork should be valued more than individual contributions. Every employee matters and should be made to feel this way.

हम एक दूजे की चाहत में

2019-08-17T19:50:00.000+05:30

By Ashish Baboo

Updated on August 17, 2019

हम एक दूजे की चाहत में, यूं गिरते हैं फिसलते हैं

गोया मोहब्बत फैली हो, जमीं पर काई सी बनकर

वो आती है औ आकर के, गले से फिर लिपटती है

औ बोसा रखती माथे पे, मेरी वो माई सी बनकर

क्या सच्चा है क्या झूठा है, कहां सुख है कहाँ दुख है

मेरा हाथ थाम जब चलती वो, मेरी परछाई सी बनकर

इक साड़ी में एक कयामत, वो लाती है जब आती है

बादल बनकर जुल्फें झूमे, कमर कोई खांई सी बनकर

मोहब्बत दिल मे रहती है, खुदा जैसी, कभी रब सी

कभी ईश्वर कभी अल्लाह, कभी फिर सांई सी बनकर

You will stay poor whole life? Yes, you read right

2019-08-15T00:08:00.000+05:30

By Gaurav Chhokar

Updated on August 15, 2019

You are reading right, you will stay poor whole life. You can just dream to be rich. You might be curious to know why I am saying this? I am saying this because of 3 main reasons. Let's discuss about them.

1. Comfort Zone:

What is a comfort zone? It is an area of your life without any challenges. No worries, and rest full zone. It is a place that is known, where there are no hidden uncertainties. Like you have average paying job where 2-3 hours of work only and near to your home. Comfortable. Easy

One of the biggest enemy of you is comfort zone. When People comes under their comfort zone became useless and stop growth. Comfort zone can be anything it varies person to person. For some peoples their job is comfort and they don't want try for new highly paying job because it requires lot of hard work. If someone has his small business and he doesn't want take new opportunities to grow the business beyond his comfort zone.

I would suggest get out of your comfort zone right now and chase your dreams.

"Your life does not get better by chance. It gets better by change.” — Jim Rohn

2. Goal is missing:

Goal is something for that you are passionate and can go beyond your limits. Goal push you to work hard. Importance of goal is very high in everyone's life because it gives you energy and a different will power to achieve something in your life. A person who doesn't not have goal in his life, he faces many challenges. Every person who is successful today he surely had a goal in his life.

"The trouble with not having a goal is that you can spend your life running up and down the field and never score"-- Bill Copeland

3. No Courage, Weak thoughts process, Lack of Strong Will-power:

To do wonder in your life, you would need courage. Poor peoples don't have much of courage to go beyond their limits because most of poor people has lot of liabilities and responsibility. And when we talk about thought process we mean how innovation, creative, problem solving ability a person has. Will power is dedication to do something impactful in life. The poor people miss these things.

If you overcome the problems that we discussed above then that point of time you will become something different from you are right now.

EXCESS LIABILITY VS. UMBRELLA LIABILITY POLICY

2019-08-04T23:10:00.000+05:30

By Gaurav Chhokar

Updated on August 04, 2019

Both are liability policies and provide additional limits to underlaying policies. But have notable differences between these two. Let talk about them

1. Umbrella policy provide additional limits to underlying policy and increase the scope of coverage which is not covered under the underlying policy. Where in Excess liability Policy, it only increase the amount of coverage to underlying policy but not scope of coverage.

Example: If insured operates his business world wide and he has CGL policy and excess liability coverage and CGL policy has condition that it will only cover liability claim for USA. In this case excess liability policy will follow the same and not provide any claim which occurs outside USA territory. If insured have Umbrella policy, it will cover claim which is occured outside US regardless weather it is covered under underlying policy or not.

2. Under drop down coverage in umbrella liability policy, first It provides coverage to claims for which the underlying policies do not provide any coverage regardless of aggregate limits. Second it provide coverage even if aggregate limits of underlying policy has been exhausted. In Excess liability policy, no drop down coverage facility available.

3. Excess liability policy may apply to one or more underlying policies wherein Umbrella liability policy almost provide additional coverage over several primary policies such as CGL, Auto liability, employer liability etc.

We hope that myth of "Excess and Umbrella coverage are same" has been eliminated completely from the mind of many people now. Please share and give your feedback in below comment section. It will give us opportunity to improve.