Numerous investors are inclined to understand, the quantum of wealth or capital they can lose in a specific time period, which could be one day or 5 days or 10 days.In this research paper, out of numerous approaches, variance – covariance approach of VaR is discussed.This method helps in prediction of maximum loss that can occur for a specific time period and given probability. Here in order to calculate VaR, portfolios are created, which is followed by identification of returns distribution. Finally VaR of portfolios is calculated. Daily loss is calculated using data for the period of 01stJanuary 2018 to 31st December 2018as historical data consisting of 246 days. Companies were selected from Bombay Stock Exchange (BSE). VaR has been computed for both 95% and 99% confidence intervals for holding period of 1 day and 10 days.

This is one side that is plus point or advantages of BPO in our country. But has any one bother to know what its limitation is? No! Now let’s discuss some of it in short. We are all familiar with that BPO work 24/7. This mean it work 24 hours & 7 days in a week. These 24 hours are divided in various shift timings, which consist of 10 hrs shift generally. Such shift changes weekly, monthly or quarterly. All the employees have to adjust themselves or gets adapted to such shifts. As the value of rupee is going up and the value of dollar is declining which leads to shut-down of some BPO in Pune & PCMC area. Majority of the women employee working in BPO are of age group 21- 25.With Graduation as their education. Most of the women employee have monthly shift stability. And others have weekly. Women employees spends nearly 10 Hrs for their job in BPO. Majority of the health problems are Headache & stress which almost all women employees are facing. From my dissertation study I would like to suggest that the women employee working in BPO industry has to be very careful in terms of their health issues.

Education is not only a need of time but it is important to bring about the overall development of a person. There is a tool. Education is a powerful tool for social transformation. According to Gatus, an education expert, education means developmental change, according to Plato - Education is giving the body and soul all perception of which they are susceptible.

Today everyone's palm has run water due to the word Dan Akshara Sangli Jal or Pani. From the common man to the politician, water has become a hot topic of discussion and concern. In the early years of this century, the state experienced severe water rise. In the early days, the purpose behind building the dam was to supply water to agriculture. But recently emphasis is being placed on obtaining water for drinking water industry. Except for the dam near Sahyadri, the availability of sufficient water in other dams is low. Due to this, water disputes have started to arise in various groups of the state due to water distribution. Day by day disputes are increasing. It is important to attract water literacy to avoid disputes among various caste and caste groups

The School lunch provides an important opportunity for learning healthy habits and well balanced school meals have been linked to improved concentration in class, better educational outcomes and fewer sick days. Many countries in the world have policies to help schools provide nutritionally balanced meals which also reflect the general eating culture of each nation. School lunch has brief history from 18th century. Since 1790 in Munich Germany Benjamin Thompson served first school lunch. United Kingdom published the first Nationa lPolicy in 1941. Free School Meal, low cost school meal, income based criteria these are types of school meal in the World. Example Sweden, Finland, Estonia and India are among the few countries which provide free school meals to all pupils in compulsory education.Many countries provide meals to improve attendance rates. In India, all the Government school students are provided with the lunch through the ‘MidDay Meal Scheme’ with an objective of enrolment, retention, social inclusion, social interaction. MDM started in 1995. Though this study objectives of school lunch, financial provision, supplementary feeding, food distribution system, students good habits, courtesy, equipment supply these topics are focused. IN 2017 World Food Programme (WFP) implemented or supported school feeding programmes for 18..3 million children in 71 countries. WFP has been working with governments around the World for over 45 years

he world famous French philosopher Jean-Jacques Rousseau says that 'a person should not live as a member of any organization, should not live this life as a citizen, but should live as a human being. The call was not delivered in your social contact book. Human rights are a global concern. The Human Rights Dialogue is a new formulation of the concept of freedom of speech. And with this close relationship with human beings and human life, human rights can be seen by a person..

Gender roles are relative and subjective in nature as they differ from place to place. The roles performed by the parents at home and in the society are observed and perceived by an individual and accordingly it shapes their concepts and attitude. The behavioural pattern, activities supposed to be performed and distributed are put forth by the society and eventually shape the attitude of men and women.

Now a day English has become most important language for both formal and informal communication but mostly the problem is faced by many Indian students. Thought as a difficult language, it is challenging for teachers not only to teach English but also English literature. So the teacher of English literature has to face many challenges. Students also have their own problems. So the present paper focuses on the challenges before teachers of English literature as well as problems faced by students. Some solutions to these problems are also suggested through this paper in order to male teaching learning process more enjoyable. English literature can also become interesting and favourite subject for the students.

Secularism is the principle of the separation of government, institution and persons mandated to represent the state from religious institutions and religious dignitaries .Secularism has intellectual roots from Greek and Roman philosophers such as Marcus Aurelius and Epicurus and some thinkers such as john Locke ,Voltaire James Maddison ,Denis Diderot, Thomas Jafferson ,Baruch Spinoza and Thomas Paine ,recent atheists and Freethinkers Arevrobert Ingersoll and Bertrand Rusell. Secularism has many opinions, purpose and argument .In Europe we see that secularism is a movement toward modernization which is away from traditional, religious values. On social and philosophical level secularism occurred while maintaining an official state church or other state support of religion. In the United State, state secularism has protested religion and the religious from governmental interference; it is on a social level less prevalent.

To make the learning process simple, lively and effective, it is necessary that new knowledge and ideas are presented in such a way that their form becomes clear and tangible. This is why there is a need for educational tools. With the help of these tools, abstract, complex and microscopic hair can be made tangible and simple and children can be made to study them directly. Their experiments help to make Patoko functional and practical.

he world famous Fetch philosopher Jean Jacques Rousseau says 'One should live as a member of any organization. This life should not be lived as a new citizen, but a person should live as a human being. If the time comes to choose between a citizen and a human being, then the human being should be chosen as the best. Human rights are a global concern. The human rights discourse is a new formulation of the ancient concept of freedom. And in this sense it shows a close relationship with human and human life. Every person seems to have absorbed human vices.