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Due to the effects of climate change, earth is suffering from many troubles. The temperature of the earth now is very hot. Due to which the sources of water such as ponds, wells and rivers are becoming dry day by day.  Because of climate change, production of crops is decreasing which is a big problem for us and farmers. So we should use electric vehicles to stop climate change because vehicles that we use from petrol and diesel are polluting the earth. Because of the effects of climate change, new diseases like covid, dengue, have emerged which are killing people day by day. The effects of climate change are industrialization, deforestation. We should reduce water pollution, solid waste and deforestation to save our earth. We should cut down trees less and we should plant more. There are many causes and results of climate change for the existence of life on the earth. Please adopt the following methods: stop deforestation, industrial revolution, plant trees and use less fossil fuel. Prabesh Bhattarai, Class 6 Global Pathshala, Kausaltar 

Games and sports keep one physically and mentally fit. They keep one away from diseases relating to heart, obesity, mental stress and sleeplessness. They instill in the player a spirit of self-confidence, self-reliance, discipline, justice, fair play and patriotism. Games provide us with recreation and enjoyment. It enhances our social skills by teaching us to maneuver different social situations by using a set of skills. It increases the circulation of blood, boosts metabolism, burns calories and improves respiration and digestion. They develop so many good traits in students. They enable people to follow other virtues like discipline, honesty, integrity, loyalty and patriotism. Games are an important part of our life. Schools should give equal importance to games and studies. No doubt, by doing hard work in their studies, they shall get what they want to achieve but at the cost of their health. What's the use of wealth, if there is no health to enjoy that? Today we see children with different health problems. Many of the children are suffering from obesity. This is because of the passive lifestyle the students have adopted. Students should bring balance between their studies and games. Even short games have an important place in life. IN order to get maximum benefit from them, they must be played properly. There should be a balance between games and studies. It is important to note that devoting all time to games at the expense of studies is also not good. Games are very essential for students, IN our schools, however, games and sports are not given much importance. A period of half an hour or forty five minutes should be dedicated to games every day in schools. Some schools dedicate this timing for games once a week only. Children find it difficult to pursue a game in the specified period. Some schools cannot afford funds for sports equipment. Similarly, some schools do not have a playground. Many schools do not employ any physical instructor to guide the children in various games. Even parents want their children to complete their home assignments after school hours rather than play games. They fail to realize that games make children strong both mentally and physically. It is a known fact that a sound mind is the result of a sound body. A person who plays games shows better focus on books than the one who spends an entire day just reading books and doing no other activities. The fact is that academics without any inclusion of games and physical activities are incomplete. The education system needs to be reformed, and equal importance needs to be given to sports and games. Bidisha Shrestha Grade: 9 Campion School, Lagankhel

President Ram Chandra Paudel has been discharged from the hospital on Sunday. Following the discharge, he will return home today, the Office of the President said. President Paudel is scheduled to return home in the regular flight of Nepal Airlines. Doctors involved in the treatment have suggested him to take a complete rest for some weeks. Earlier on April 18, President Paudel was admitted to the Maharajgunj-based Tribhuvan University Teaching Hospital after he complained of stomach pain. He was admitted to the All India Institute of Medical Sciences (AIIMS) in New Delhi on April 19 after preliminary treatment at the TUTH.    

The Nepal Stock Exchange (NEPSE) plunged by 19. 10 points to close at 1,870.66 points on Sunday. Similarly, the sensitive index dropped by 2. 95 points to close at 358. 14 points. A total of 3,206,450-unit shares of 271 companies were traded for Rs 954 billion. Meanwhile, NMC Sulav Investment Fund was the top gainer today with its price surging by 3. 33 percent. Likewise, NIBL Growth Fund was the top loser with its price dropped by 8. 89 percent. At the end of the day, the total market capitalization stood at Rs 2. 72 trillion.

A landslide buried the diversion tunnel of the under-construction Arun-3 Hydropower Project in Makalu Rural Municipality 3 and 5 of Sankhuwasabha district. DSP Birendra Godar, Chief at the District Police Office, Sankhuwasabha, said that the Arun River was blocked after the landslide buried the diversion tunnel this morning. He said that only 25 percent water came out of the tunnel. The Arun River was diverted through a 229-meter-long diversion tunnel. The river was flowing through a diversion tunnel by constructing a temporary dam. DSP Godar said that the river was blocked after the landslide occurred at the place from where the tunnel’s water is released. The water has accumulated in the 18-meter-high dam after the closure of the tunnel. The project said that more than a two-kilometer lake has been formed due to the dam. It will be dangerous if the water accumulates for a long time. The workers of the project have been shifted to a safer place. The project said that attempts are being made to release the water from the tunnel itself.  

A nurse was found hanging in Kathmandu on Saturday. Anuma Shrestha (34), in-charge of the Gastro Medicine Ward in Bir Hospital, was found hanging in the Boharatar-based house of Dr Sujan Dhakal. Dr Dhakal works at the Kanti Child Hospital. SSP Himalaya Kumar Shrestha, spokesperson at the Kathmandu Valley Police Office, Rani Pokharai, confirmed that Shrestha was found hanging in the house of Dr Dhakal. “Shrestha was found hanging in the house of Dr Dhakal. Further investigation into the incident is underway,” he said. According to a preliminary investigation, Dhakal has been staying outside Kathmandu for the past two months. Dhakal’s family informed police after they found Shrestha dead. Police said that they have found a suicide note from the incident site. It has been learnt that Dhakal and Shrestha were in a relationship for a long time.    

Nepal Insurance Authority (NIA) has directed the insurance companies that have failed to increase their paid-up capital by the mid-April, 2023 deadline to submit their applications for extension for capital increment. However, insurance companies have to furnish their clarification for not being able to raise the capital as per the deadline. According to NIA officials, insurance companies will be given three months deadline to raise their capital if the authority is satisfied with the clarification submitted by the insurers. A year ago, NIA required non-life insurers to have Rs 2 billion in paid-up capital, while it is Rs 5 billion for life insurance companies, by mid-April 2023. After the majority of insurance companies failed to meet the deadline, NIA extended the deadline to mid-July, 2023. Only four insurance companies have been to raise their capital as per the regulatory requirement so far. Among the life insurance companies, the paid-up capital of Nepal Life Insurance Company is above Rs 5 billion. Three non-life insurance companies, namely Shikhar Insurance, Siddhartha Premier Insurance and Sagarmatha Lumbini Insurance have also met the new capital requirement. With NIA pushing for capital increment, the majority of insurers have opted for mergers to increase their capital base. Of the 19 insurance companies involved in the merger process, six companies have merged to become three and have started their integrated business while 13 others are still in the process of completing their mergers. However, the paid-up capital of many companies is below the regulatory requirement even after the mergers. Such companies have sought to raise their paid-up capital through right share issuance and NIA has responded positively to their proposals. Those companies who've not opted for mergers have reported to NIA that they are planning to increase their capital by either bringing foreign partners or selling assets. Prabhu Insurance and Nepal Insurance have told the authority that they would complete the capital increment by mid-July 2023. NIA sources say Prabhu Insurance is trying to bring foreign partners while Nepal Insurance is planning to raise capital by selling its assets. In the case of NLG Insurance, its main investor, National Life Insurance Company, plans to increase the capital. The four new life insurance companies are gearing up to increase their paid-up capital by adding promoters' shares and IPO issuance. Citizens Life Insurance, Sun Nepal Life Insurance, Reliable Life, and IME Life Insurance have not issued IPOs so far. These companies are now planning to add promoters' shares first, and then go for IPO issuance. Some of these companies have plans to issue IPO at a premium price and then for the right share issuance to meet the regulatory requirement. As of now, Citizen Life has Rs 2.62 billion, Sun Nepal has Rs 2.24 billion, Reliable Nepal Life has Rs 2.8 billion and IME Life has Rs 2.8 billion in paid-up capital. According to NIA, foreign promoters of insurance companies such as Metlife Nepal and The Oriental Insurance are adding investments to fulfill the new capital requirement.  Meanwhile, the government-owned Rastriya Beema Company and Rastriya Beema Sansthan along with Asian Life Insurance are yet to submit their capital increment plan to NIA.  

With the country's capital market going through a bearish run, the income of commercial banks from share investments has taken a huge beating in this fiscal year. The third quarter financial report shows banks' share trading income has decreased by 36.73 percent on average. The 21 commercial banks operating in the country have earned Rs 4.08 billion from share trading till mid-April 2023 compared to Rs 6.45 billion during the same period of the last fiscal year. In the last fiscal year, the stock market was on a bullish trend which pushed the share income of banks higher. However, such income of banks has declined this year as the Nepal Stock Exchange (Nepse) is going through a lean period. The benchmark index is currently hovering below 1,900 points. Among the commercial banks, Standard Chartered Bank Nepal has earned the highest income from share trading by the end of the third quarter of the current fiscal year. The bank posted earnings of Rs 447.2 million during this period followed by Nabil Bank with Rs 377 million and Global IME Bank with Rs 366 million. The Agricultural Development Bank Limited has posted a loss in the share trading in this fiscal. The third quarter report shows the bank suffered a loss of Rs 22.45 million this year from share trading. The bank also incurred a loss of Rs 76.79 million in share trading during the same period of the last fiscal year. While the banks' share trading income has decreased, two banks have managed to increase such income this year. The income from share trading of Nepal SBI Bank and Machhapuchchhre Bank increased in the third quarter compared to the last fiscal year Machhapuchchhre posted an earning of Rs 273.38 million in the period, an increase of 51 percent from Rs 181.5 million in the same period of the last fiscal year. Similarly, Nepal SBI's share trading income increased to Rs 236.6 million in the third quarter, a jump of 29 percent from Rs 183.2 million in the same period of the last fiscal year.