Volume 14 | Issue 7 |

 Abstract

This research evaluates how personal tax planning methods directly alter the long-term wealth growth of salaried employees. Gathering field data from a sample group of 60 working professionals, the study tracks the real-world choices individuals make when picking between quick tax breaks and growing their actual net worth. The empirical findings show a major behavioral gap: even though 80% of workers state that long-term asset building is their top financial goal, their current portfolios are heavily locked into low-yield, traditional fixed-income accounts rather than high-growth, market-linked tax instruments. The primary cause is psychological, as 73.3% of respondents admit that a fear of short-term market volatility completely stalls their investment choices. Additionally, a structural shift is taking place, with 85% of professionals moving to the simplified New Tax Regime. While this choice optimizes monthly take-home pay, it removes the forced saving guardrails built into the older system. The study concludes that true wealth maximization cannot happen through passive tax filing alone. Earners must move past safe, defensive habits and use strict personal discipline to automatically channel their monthly tax savings directly into compounding investment engines.

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Tax Planning, Wealth Maximization, Salaried Professionals, New Tax Regime, ELSS, Behavioral Finance.

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To increase crop productivity and ensure sustainable agriculture, plants must be diseased before they propagate. As this paper demonstrates, Moringa is extensively grown for its food quality; it underlies all important effects including high yields as diseases spread through the different layers of leaf cells which exceed control within minutes of harvesting; by using the Convolutional Neural Network(CNN), transferred learning has become representative as scientific programming was refined specifically training models such that replicating one types of state child seed that exceeded performance level, and finally, rep, patent about the precise application using top judge or reverse.

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CNN, Transfer Learning, Moringa, Quantum Plant disease classification.

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Formulations used for oral, parenteral, and topical administration are known as liquid dosage forms. Liquid dosage forms are mostly used for pediatric patients since they have higher patient compliance than other dosage forms. Additionally, the medications are consistently administered in liquid dosage form during formation. It covers up the bitter, salty, and queasy taste of medications. Drug absorption and, hence, drug bioavailability are improved by this dosage form. In order to improve compliance, certain non-therapeutic substances (additives) that have no pharmacological potential are added during formulation to improve the stability, appearance, and effectiveness of the dosage form.

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Emulsion, Suspension, Advantages & Disadvantages

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The integration of Generative AI tools into learning platforms has revolutionized learning practices, especially in management where creativity and problem-solving skills are highly valued. This study examines the effects of generative AI tools on the ability of management students to think creatively at Bangalore. Five leading universities in Bangalore will participate in the study including Bengaluru City University, Christ University, Jain University, PES University, and Bangalore University. The quantitative research methodology will be used in the study employing structured questionnaire distributed to 136 management students in all five universities by convenience sampling technique. Variables under investigation include the frequency of use of the tools, perception of the extent of enhancement in idea generation, originality, and critical thinking by the students. Descriptive, correlation, and regression analyses will be employed in data analysis. The anticipated results suggest that the generative AI tools significantly improve ideation processes and diversification of ideas. However, over-reliance on them might undermine the capacity of the students to engage in critical and independent thinking. The study seeks to establish how AI can be integrated into management education in a manner that promotes innovation without compromising cognitive autonomy of the learners. Key Words: Generative AI, Creative Thinking, Management Students

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Generative AI, Creative Thinking, Management Students

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 Abstract

राजस्थान का मेवाड़ क्षेत्र भारत के उन ऐतिहासिक क्षेत्रों में से एक है जिसने अपनी समृद्ध सांस्कृतिक परंपराओं, वीरता, लोकजीवन तथा प्राकृतिक विरासत के माध्यम से विशिष्ट पहचान बनाई है। इस क्षेत्र के अनेक ग्राम केवल भौगोलिक इकाइयाँ नहीं हैं, बल्कि वे इतिहास, संस्कृति, लोकविश्वास और सामुदायिक जीवन के जीवंत केंद्र हैं। उदयपुर जिले की वल्लभनगर तहसील में स्थित मेनार ग्राम ऐसा ही एक महत्वपूर्ण ग्राम है, जिसने अपने ऐतिहासिक महत्व, धार्मिक परंपराओं, लोक-सांस्कृतिक उत्सवों तथा पक्षी संरक्षण की सामुदायिक परंपरा के कारण राष्ट्रीय एवं अंतर्राष्ट्रीय स्तर पर पहचान प्राप्त की है। मेनार गांव का जमराबीज का त्यौहार अपनी ऐसी ऐतिहासिकता लिए हुए राजस्थान तथा पूरे भारत में प्रसिद्ध है, साथ ही प्रवासी पक्षियों के आश्रय-स्थल के रूप में विशेष पहचान रखता है। मेनार गांव ने बरसों से पक्षी संरक्षण की अपनी परंपरा को जीवंत रखते हुए अंतर्राष्ट्रीय स्तर पर पहचान बनाई है। सामुदायिक प्रयास एवं सतत संघर्ष का परिणाम यह निकला है कि मेनार को प्रस्तावित रामसर साइट घोषित किया गया है। मेनार के तालाब में प्रवासी पक्षियों के महत्वपूर्ण आवास स्थल हैं। शीतकाल में यहाँ 150 से अधिक पक्षी प्रजातियाँ प्रवास के लिए आती हैं, जिसके कारण मेनार को 'बर्ड विलेज' के रूप में पहचान मिली है। मेनार ग्राम मेवाड़ की ऐतिहासिक चेतना, सामुदायिक एकता और प्रकृति संरक्षण का महत्त्वपूर्ण उदाहरण है।

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मेनार, मेवाड़, जमराबीज, बारूदी होली, वेटलैंड, लोकस्मृति, सांस्कृतिक विरासत

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This study compares the profitability of microfinance loans and home loans with reference to Equitas Small Finance Bank. It begins by outlining the Indian banking industry, the profile of Equitas Small Finance Bank, and the significance of both loan segments in promoting economic growth and financial inclusion. It also reviews the concepts of loan profitability, microfinance, and home loans, along with earlier studies, to identify the research gap. The study is based on secondary data collected from RBI, NABARD, and NHB reports, journals, and official websites. Tools such as percentage analysis, trend analysis, ratio analysis, comparative analysis, NPA analysis, and regression analysis were used to evaluate the performance of both segments, covering loan portfolio growth, interest income, net profit, repayment performance, customer retention, and the impact of NPAs on profitability. The findings reveal that while both loan segments contributed to the bank's growth, home loans generated higher net profit, better profit margins, lower NPAs, and greater customer retention. Microfinance loans yielded higher returns due to higher interest rates but involved greater credit risk and operating costs. The study concludes that home loans are more profitable and stable, while microfinance loans remain vital for financial inclusion and supporting low-income borrowers.

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RBI, NABARD, NHB, NPAs, Small Finance Bank.

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This prospective observational pilot study evaluated the prescribing patterns of antiplatelet therapy, medication adherence, and quality of life among 39 geriatric ischemic stroke patients aged >=65 years receiving secondary preventive treatment. Patients were categorized into three age groups (65-74, 75-84, and >=85 years). Prescribing patterns were assessed from case records, medication adherence was measured using the Medication Adherence Rating Scale (MARS-10) before and one month after pharmacist-led counselling, and quality of life was evaluated using the Stroke-Specific Quality of Life (SS-QOL) scale. Aspirin monotherapy was the most frequently prescribed antiplatelet agent across all age groups, while clopidogrel and dual antiplatelet therapy were used selectively based on clinical characteristics and recurrent stroke risk. Hypertension, dyslipidemia, and type 2 diabetes mellitus were the comorbidities, with treatment reflecting evidence-based management. Medication adherence was poor before counselling but improved significantly after pharmacist intervention, accompanied by enhanced stroke-specific quality of life. These findings emphasize the importance of individualized antiplatelet therapy, comprehensive management of comorbidities, and the vital role of clinical pharmacists in improving adherence and therapeutic outcomes among geriatric ischemic stroke patients.

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Geriatric ischemic stroke, Antiplatelet therapy, Prescribing pattern, Medication adherence, Stroke-specific quality of life, Patient counselling, Secondary stroke prevention.

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BACKGROUND: Shoulder dysfunction is frequently reported in individuals with Type 2 diabetes mellitus and restricted mobility being common clinical manifestations. These musculoskeletal problems may arise from altered collagen metabolism, glycation of periarticular tissues, and chronic hyperglycemia, ultimately affecting functional activities. AIM: To determine the relationship between shoulder mobility impairment among patients with Type 2 diabetes mellitus. METHODS: A Observational study was conducted in Sri Ramakrishna Multi speciality Hospital for 6 months including 100 participants diagnosed with age ranges between from 30 to 50 based on inclusion and exclusion criteria to find the impact of shoulder mobility impairment with a self- administered questionarrie on demographic data and clinical variables were collected and analysed. RESULTS: The findings demonstrated a significant association between reduced shoulder ROM and higher pain and disability scores. Patients with longer duration of diabetes and elevated HbA1c values tended to show greater mobility restriction and increased pain levels. The correlation coefficients indicated that mobility impairment was moderately to strongly related to functional limitation. CONCLUSION: Shoulder mobility restriction was closely linked with functional disability in individuals with Type 2 diabetes mellitus. Early screening and targeted physiotherapy interventions may help reduce shoulder complications and improve quality of life in this population.

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Diabetes ,HbA1c , shoulder external rotation and abduction range of motion

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This narrative review examines the intersection of large language models (LLMs) and academic writing in higher education, with a specific focus on Claude AI a model whose institutional adoption has expanded rapidly but whose representation in the peer-reviewed literature remains comparatively limited. Drawing on peer-reviewed sources published between 2020 and 2025 across databases including Scopus, Web of Science, ERIC, ScienceDirect, and Frontiers, this review synthesizes evidence on the benefits, risks, and cognitive implications of generative AI-assisted academic writing. The literature confirms that generative AI tools, led overwhelmingly by research on ChatGPT, improve measurable dimensions of student writing including cohesion, fluency, and revision behavior, while simultaneously introducing well-documented risks: over-reliance, academic integrity violations, and detector bias against non-native English writers. Evidence on cognitive and critical-thinking outcomes remains genuinely contested, with reviews reporting both enhancement and erosion of higher-order thinking depending on task design and instructional scaffolding. Against this backdrop, the review identifies a central and consequential gap: despite Claude's formal deployment across universities including Northeastern University, the London School of Economics and Political Science, and Champlain College, and despite substantial documented student and educator usage, only a small number of peer-reviewed studies examine Claude specifically within academic writing contexts. This asymmetry between institutional deployment and independent scholarly scrutiny means that current pedagogical guidance on "AI-assisted writing" rests on evidence base derived almost entirely from a different model family. The review concludes by outlining research gaps and future directions specific to Claude AI, particularly within English for Academic Purposes and English for Specific Purposes contexts, and offers implications for educators, curriculum designers, and institutional policymakers navigating this evolving and unevenly evidenced landscape.

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Large Language Models, Claude AI, Academic Writing, Higher Education, Generative Artificial Intelligence, Academic Integrity, English for Academic Purposes

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Background: An estimated 15 million babies are born too early every year. Approximately 1 million children die each year due to complications of preterm birth. Premature infants, especially Very Low Birth Weight (VLBW) infants (<1500 g), are a group at high risk of infectious diseases in Neonatal Intensive Care Units (NICUs). Methods and materials: A true experimental research was done among the 100 preterm neonates (32-36 weeks) in NICU (Neonatal Intensive Care Unit) & RNB (Referral Newborn), RMMCH at Chidambaram from November 2021 to October 2022. Colostrum swabbing was done for the experimental group and routine nutritional care was given to the control group. Pre test and post test assessments of feeding problems with its changes using LATCH scale were done for both the groups in related to the intervention. Results: There was a significant difference found between experimental and control groups in feeding problems (p<0.001). Conclusion: Colostrum may be an ideal "first immune stimulator" for premature infants; and indeed premature human colostrum has higher concentration of proteins, cytokines, and secretory immune globulins compared with term colostrum by which the immunologic factor in Oral Colostrum administration may stimulate and protect the immature neonatal immune system.

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Breast milk, Colostrum, Extremely Low Birth Weight, Human milk, Preterm neonate, Neonatal Intensive Care Unit,

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