Daily Excelsior on AtlasHour

Excelsior Correspondent JAMMU, May 15: Two-day international conference on “Manoeuvring Business, Society, and Culture in the New World Order” concluded at Government SPMR College of Commerce, with an intellectually vibrant and ceremonially rich valedictory session marked by scholarly reflections, visionary deliberations, and cultural eloquence. The valedictory ceremony was graced by distinguished dignitaries including Prof Pragati Kumar, Vice Chancellor of Shri Mata Vaishno Devi University as the chief guest; Prof Ashok Aima, former Vice Chancellor of Central University of Jammu and […]

Dr Vishal Gupta vishalm.com85@gmail.com The modern world has transformed the lifestyle, aspirations, and spending habits of young people. Technology, social media, digital banking, and easy access to credit have created numerous opportunities for financial growth and convenience. However, alongside these opportunities, a dangerous financial problem has emerged among the younger generation – the debt trap. Today, many youths are becoming victims of excessive borrowing, uncontrolled spending, and financial mismanagement. What begins as a small loan or a simple credit purchase […]