Get subscribed to our newsletter
Get interesting updates to your email inbox.
Children are often seen running around singing "London Bridge is Falling", and making a face of sadness when they reach the last line. Most people assume that the Fair Lady referred to in the rhyme is the Queen of England, and the current queen at that. But the history behind this rhyme goes farther back in time than we realize.
Speculation associated with this rhyme has to do with a process call immurement. Immurement was when a person was enclosed in a room with no exit points. This was more an act of superstition than punishment. It was believed to bring sturdiness to the structure if people were imprisoned behind the walls. London Bridge falling down was something that people at the time associated with weakness. But there is no evidence to substantiate the idea of immurement.
The Bridge of yesteryear London Image source: wikimedia commons
A more historical account states that the bridge fell as a result of a Viking attack. Vikings of Norway have a similar set of rhymes that associate their role in bringing down the Bridge of London. They sing of conquest and gold, and blessings from Odin, in Norse, which refers to the Bridge. King Olaf II is credited with this feat.
Most historians, unable to properly supply evidence of the above claims, state that perhaps the Thames River is the reason this rhyme came into existence. The original London Bridge had 19 arches that went deep into the river. This caused difficulty in navigation. The Bridge was taken down and reconstructed to accommodate boats and ships. Perhaps, it was this historical reconstruction that is being sung about. The London Bridge is the only one that directly refers to a historical event, and yet has no plausible evidence to support it.
Keywords: Rhymes, London, Bridge, History, Viking, Immurement
Along with Chinese Traditional Medicine, acupuncture emerged in Asia as a technique to cure people of their disease simply by inserting needles at certain points, where the disease is said to lie.
The practice of acupuncture is believed to have a shamanistic origin. Shamans are those who profess to commune with spirits, ghosts, and the dead. They believed that people were cursed for any number of reasons, and this curse manifested in the form of physical symptoms. All diseases were simply versions of the curse, and when the patient was injected or subjected to moxibustion, which is the burning of particular herbs at various points of the body, the curse left.
Moxibustion involves the burning of herbs at various points of the body Image source: wikimedia commons
Oriental medicine requires its students, or trainees, to memorize the various points in the body that affected or released pain from another point. Statues were used for reference, to identify various meridians or channels through which Qi flowed. This was considered the primary life force in Taoist philosophy, and it was imperative to know the exact flow of this energy from point to point in the body, to be able to correctly diagnose the ailment.
Acupuncture was not very well received in China when it began because they believed that the body should not be dissected for study. Practitioners could only learn from observation, and therefore penetration through needles was harmful. When western medicine came to China, the practice of acupuncture became more accepted. It then travelled through the trade routes to Europe where it was practiced.
A statue in a Chinese museum that depicts the different meridians on the body Image source: wikimedia commons
These days, acupuncture is gaining momentum in the west, not as a medical practice, or alternative to medicine as it was originally designed. Instead, it is being researched based on a neurological model which states that the use of needles alters the mechanism of pain and stimulation in the brain. It is used in mild operations, to relieves headaches, dental aches, and so on.
Keywords: Acupuncture, Moxibustion, China, Western Medicine, Oriental techniques, Shamanism
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
Follow NewsGram on Facebook to stay updated.
If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The Reformation in England is notorious for the religious impact it had on the countries of the world, and the current ongoing dispute among the various factions of Catholicism and Protestantism. Three Blind Mice, a rhyme that emerged in 1609, roughly a few years after the death of Queen Elizabeth I, is somewhat a dark reminder of the Dark Ages.
The Reformation began in England when King Henry VIII broke away from the Catholic church because he wanted to divorce his wife, to marry another woman who would bear him a male heir. His wife was a devout catholic and refused to give up her crown to another. The king decided to break away from the Papacy, from Rome, where the Catholic church reigned from. He created the Church of England, and put himself as the legal head. England broke into two factions based on religion, and after Henry's death, the country was plunged in war.
Henry's eldest daughter, Queen Mary I took the throne after her father, and propagated Catholicism, as taught by her mother. Henry's other daughter, through his second wife, Queen Elizabeth I embraced the Protestant faith. Queen Mary was always paranoid of losing her throne to Elizabeth, and she hated the Protestants because of what happened to her mother. She set about ruthlessly persecuting anyone who openly professed their faith, which led to her being known as 'Bloody Mary'.
Illustration of Christian protestants being burned at the stake Image source: wikimedia commons
History has recorded the death of three Bishops, Ridley, Lattimer, and Crammer, known as the Oxford martyrs. They were burned at stake for teaching the Protestant doctrine. The rhyme Three Blind Mice is believed to be an allegorical allusion to the incident of the bishops' execution. They are called 'blind' because of their refusal to recant their confession. Queen Mary is said to have "cut off their tales with a carving knife" and is referred to as a farmer's wife to lighten the scene for children; perhaps to also reduce the ruthlessness of the act.
Three blind mice. Three blind mice.
See how they run. See how they run.
They all ran after the farmer's wife,
Who cut off their tails with a carving knife,
Did you ever see such a sight in your life,
As three blind mice (Modern version of the rhyme, Wikipedia)
Three Blind Mice is sung widely in nurseries of the world by little children, often innocent of the true story behind it.
Keywords: Three Blind Mice, Nursery Rhymes, Reformation, Persecution, England, Queen Mary