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Bihar Student Credit Card: Eligibility Status & Benefits 2023

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Are you a student from Bihar looking for financial assistance to pursue higher education? The Bihar government’s Student Credit Card Scheme can provide you with the necessary funds to pursue your dreams.

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Under this scheme, eligible students can avail a credit limit of up to Rs. 4 lakhs at an interest rate of just 1%. Let’s dive deeper into the scheme’s features, eligibility criteria, and application process.

Features of Bihar Student Credit Card Scheme

  1. Loan Amount: Students can avail a credit limit of up to Rs. 4 lakhs to pursue higher education in India or abroad.
  2. Interest Rate: The interest rate on the loan is just 1%, making it highly affordable for students.
  3. Repayment Tenure: Students can repay the loan amount within a maximum of 15 years.
  4. No Collateral Required: The scheme does not require any collateral, making it easier for students to avail of the loan.
  5. Easy Application Process: Students can apply for the loan through an online portal or at designated help centers.

Eligibility Criteria for Bihar Student Credit Card Scheme

  1. Applicant must be a permanent resident of Bihar.
  2. The student must have secured admission in a recognized educational institution in India or abroad.
  3. The age of the applicant must be between 18 to 25 years.
  4. The applicant must have completed their intermediate education.
  5. The applicant’s family income must be below Rs. 8 lakhs per annum.

Application Process for Bihar Student Credit Card Scheme

  1. Online Application: Students can apply for the scheme through the official website of the Bihar Education Department. They need to fill out the application form and upload the necessary documents.
  2. Offline Application: Students can visit the designated help centers to fill out the application form and submit the necessary documents.
  3. Documents Required: The necessary documents include Aadhaar card, intermediate mark sheet, admission letter, income certificate, and bank account details.

In conclusion, the Bihar Student Credit Card Scheme is a game-changer for students who face financial constraints while pursuing higher education. With its affordable interest rates and easy application process, this scheme can help students fulfill their dreams and achieve their career goals.

So, if you are a student from Bihar who aspires to pursue higher education, don’t hesitate to apply for the Student Credit Card Scheme today.

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Australia’s Coles misses profit estimates on higher costs, low tobacco sales

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Coles Lags Behind: High Costs and Slipping Tobacco Sales Hit Profits

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What’s Happening?

Coles Group, Australia’s leading supermarket chain, reported its annual profit fell short of projections. The disappointing results were attributed to rising operational costs and a decline in tobacco sales, impacting its high-performing Supermarkets division. As the new business year gets underway, the company anticipates continued challenges.

Where Is It Happening?

The financial results impact Coles’ operations across Australia, with implications for customers nationwide.

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When Did It Take Place?

The disappointing financial performance was announced on August 26, summarizing the fiscal year just concluded.

How Is It Unfolding?

– Rising operational costs have squeezed profit margins across the board.
– Tobacco sales, a traditionally strong revenue driver, have seen a notable decline.
– The Supermarkets division, usually a financial leader, now faces slower growth.
– Shoppers are adapting to protective measures, like plexiglass dividers at checkouts.

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Quick Breakdown

– Coles Group’s profit fell below market expectations.
– Higher costs and weaker tobacco sales contributed to the drop.
– TheSupermarkets division is growing at a slower-than-expected rate.
– The company expects ongoing challenges in the new fiscal year.

Key Takeaways

Coles Group is feeling the pinch from rising expenses and shifting consumer habits, particularly in tobacco sales. The retail giant’s Supermarkets division, typically a steady performer, is now facing hurdles that could impact its future growth. As costs continue to climb and traditional revenue streams diminish, Coles may need to explore new strategies to keep up with changing market demands.

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It’s like trying to balance a budget while your biggest income source dries up—quick adjustments are needed to avoid falling behind.

It’s a wake-up call for the industry. Retailers must innovate or risk falling behind in a rapidly changing market.
– John Davis, Retail Analytics Expert

Final Thought

Coles Group’s struggle to meet profit expectations highlights the broader challenges at play in retail today. Higher costs and shifting consumer habits force companies to adapt quickly. As tobacco sales decline, Coles must find new ways to drive revenue and maintain profitability. The road ahead may be tough, but strategic shifts could help the supermarket giant bounce back.

Source & Credit: https://www.reuters.com/world/asia-pacific/australias-coles-misses-profit-estimates-higher-costs-low-tobacco-sales-2025-08-25/

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Warming Seas Worsen Japan’s Price Shock With $120 Urchin Rice Bowls

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Sea Urchin Shortage Hits Japan as Warming Oceans Drive Up Prices

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What’s Happening?

Japan is grappling with a severe sea urchin shortage as soaring ocean temperatures devastate their populations. This has led to a staggering price surge, making the luxury delicacy prohibitively expensive for many. The crisis is particularly acute in northern regions, where sea urchins have been a staple for generations.

Where Is It Happening?

The crisis is centered in regions like Rishiri, located in northern Japan, known for its thriving sea urchin fisheries. The impact is rippling across the country, affecting both local economies and consumers nationwide.

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When Did It Take Place?

The shortage became apparent this summer, coinciding with Japan’s hottest recorded temperatures. The decline in sea urchin catches has been steadily worsening over the past few years due to climate change.

How Is It Unfolding?

– **Temperature Surge:** Ocean warming has disrupted sea urchin habitats, reducing their numbers.
– **Price Hike:** Prices have skyrocketed, with some servings reaching $120 in restaurants.
– **Economic Strain:** Fishermen are struggling as catches dwindle, impacting livelihoods.
– **Consumer Impact:** Many traditional dishes, like urchin rice bowls, are now luxury items rather than everyday meals.

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Quick Breakdown

– Sea urchin populations are plummeting due to warmer ocean temperatures.
– Prices for the delicacy have surged, with some bowls now costing $120.
– Fisheries in northern Japan are hit hardest, causing economic strain.
– The crisis highlights the broader impact of climate change on marine life.

Key Takeaways

This sea urchin shortage is a stark reminder of how climate change is altering our food systems. As oceans warm, species like sea urchins are struggling to survive, leading to economic and cultural consequences. For many in Japan, these spiny delicacies are more than just food—they’re a piece of heritage. But as the crisis deepens, accessing them is becoming increasingly difficult, pushing the dish from comfort food to luxury.

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Imagine paying $120 for a bowl of rice—something that used to be as common as a bowl of ramen. It’s like finding out the price of avocados has skyrocketed overnight, turning chipotle bowls into a rare treat.

“Climate change threatens more than just the environment. It’s reshaping economies and culture. When traditional foods become luxuries, it’s a wake-up call for sustainable change.”
– Dr. Masao Tanaka, Marine Ecologist

Final Thought

**Japan’s sea urchin shortage is a wake-up call. The crisis reveals how climate change disrupts food sources and livelihoods, pushing once-affordable delicacies out of reach. For fishermen, consumers, and cultural enthusiasts alike, this event underscores the urgent need for action to protect marine ecosystems. If ocean temperatures continue rising, more seafood staples could follow the same path—turning beloved dishes into expensive rare treats.**

Source & Credit: https://www.usnews.com/news/world/articles/2025-08-25/warming-seas-worsen-japans-price-shock-with-120-urchin-rice-bowls

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In Protein-Deficient India, McDonald’s, Bollywood and Cricket Fuel Wellness Craze

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India’s Protein Deficit: How Burgers, Bollywood and Cricket Are Changing Diets

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What’s Happening?

In a country where protein deficiency is a pressing health concern, McDonald’s is turning the tide with an unlikely hero: a 30-cent vegetarian protein slice. This innovative burger topping is flying off the shelves in South India, sparking a wellness craze that extends beyond fast food to Bollywood fitness trends and cricket-inspired protein supplements.

Where Is It Happening?

South India, with a focus on urban centers like Mumbai and Chennai.

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When Did It Take Place?

Ongoing trend observed and reported in May 2024.

How Is It Unfolding?

  • McDonald’s introduces a high-protein vegetarian slice, mixing eating out with health benefits.
  • Celebrities and Bollywood stars promote fitness regimes and protein-rich diets.
  • Cricket players and sports influencers endorse protein supplements, normalizing it for fans.
  • Healthcare providers and nutritionists advocate balanced protein intake to combat deficiency.
  • Local food companies launch affordable protein-rich snacks targeting middle-class consumers.

Quick Breakdown

  • McDonald’s protein slice costs just 30 cents, making health more accessible.
  • Low-cost protein options are bridging the gap for South India’s protein-deprived population.
  • Bollywood fitness trends are influencing millions to adopt healthier lifestyles.
  • Cricket’s star power amplifies awareness about protein supplements among youth.

Key Takeaways

India’s struggle with protein deficiency is being addressed through a unique blend of affordable fast food, celebrity-driven fitness trends, and sports culture. McDonald’s innovative protein slice, though small, symbolizes a major shift in how everyday convenience food can meet nutritional needs. Meanwhile, Bollywood and cricket are turning health consciousness into a lifestyle movement, proving that wellness can be as viral as a blockbuster film or a championship win. This cultural shift isn’t just about fad diets—it’s a grassroots effort to improve public health.

Imagine turning a burger into a health boon—or a cricket match into a protein pitch meeting. In India, that’s not just a fantasy; it’s a revolution in progress.

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Subtly incorporating health into fast food was never about a dietary overhaul but about making small habit changes that lead to big health wins.

– Neha Sharma, Nutrition Scientist

Final Thought

From McDonald’s counters to Bollywood screens, India’s wellness movement is rewriting the rules. Affordable, accessible, and influencer-backed solutions are closing the protein gap one burger, one fitness reel, and one cricket match at a time. The cultural shift proving that good nutrition isn’t a luxury but a national lifestyle makeover in the making.

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Source & Credit: https://www.usnews.com/news/top-news/articles/2025-08-25/in-protein-deficient-india-mcdonalds-bollywood-and-cricket-fuel-wellness-craze

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