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• Original draft in minutes Generate unique drafts with ideas and arguments to save time for important things. Read more Our AI essay generator creates complete academic drafts based on your instructions with a few clicks that can be edited. Close
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• Customizable Essay Types Select different essay types for deeper generation customization.. Read more Our AI essay generator allows you to pick an essay type: argumentative essay, research paper, literature review, expository essay, or case study analysis. Close

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AI is taking education by storm, and AI essay writer tools are becoming more popular than ever among students. They use advanced algorithms and natural language processing models to generate complete essays quickly. Combined with access to academic databases with papers from reputable authors, Textero AI is tailored to generate the highest-quality essays for any academic discipline, streamlining the essay writing process.

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Benefits of Textero AI Essay Maker

Students use our AI essay writer to simplify the essay-writing process by boosting productivity through quick generation of essays and research papers. This saves time and allows students to stay focused on the topic.

We use advanced natural language processing algorithms to ensure that content is error-free. Generated content has consistent grammar, tone, and adjustable style.

Our free AI essay generator guarantees plagiarism-free essays. It generates accurate citations for APA and MLA styles, ensuring that your research papers are adhering to the highest academic standards.

Essay writing tool ensures top quality of essays through access to an academic database with 215+ million papers. A combination of consistent tone, style, and coherence results in professional essays that adhere to academic standards.

With customizable settings for the generator, our essay writer tool offers unprecedented personalization to students. Provide the assistant with the details of your essay or outline to generate required paper.

Our AI essay writer tool gathers scientific sources from open scholarly bases with reputable articles. It also features an AI-powered assistant to improve the research process.

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Jan 12, 2023

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• Intelligent Outlining Module – AI essay writer uses advanced algorithms to ensure coherent structure of generated texts. Resulting essays have a logical flow that expands on research topics.
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• Adaptive Writing Assistant – our AI assistant was trained on more than 215 million academic papers to provide suggestions to users’ content. It can be used to edit and revise generated texts.
• Multi-Format Citation Engine – users can select MLA and APA citation styles for their essays. AI essay writer will format sources according to the preferred citation style.
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• Narrative – narration of a story through events, often from the author’s perspective;
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• Argumentative – presentation of a topic from several perspectives, favoring one side with evidence and reasoning;
• Expository – presentation of a topic in a straightforward manner by using facts and examples;
• Compare and contrast – description of similarities and differences between subjects to provide a nuanced perspective on the topic;
• Cause and effect – description of relationships between events to explain how different factors lead to a particular outcome;
• Definition – explanation of a idea, concept, or term with exploration of its interpretations;
• Expository – explanation of a topic in an unbiased manner through factual information and analysis.

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Essay Writing 2.0: When Other Text Editors Just Don’t Cut It

David Jul 15, 2020

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We all love scholarships. Providers help students, students benefit from them. The more of both, the better.

For some scholarships, all you need is a one-click application (learn more about them here ), but – truly valuable scholarships often require a submitted essay.

Here’s the thing: not only do you have to worry about the intro, thesis sentence, and whether that conclusion is impressive enough, but we all often get sidetracked with the nitty-gritty of various text editors.

Where was that text size button? How do I format bullet points?

The fastest path to earning scholarships

Simplify and focus your application process with the one-stop platform for vetted scholarships.

Or, the worst: you’ve written everything and now you can’t export it and/or use it. Because of different platforms.

Sheesh. Hyperlink me up, Scotty.

ScholarshipOwl recently introduced a lot of new features within the scholarship dashboard, but now the time has come to present our students with something else: a new, beautiful text editor, designed to ease the writing process and provide an elegant environment for your writing.

Read on about all the amazing features that are now at your disposal.

Sleek Design for Focused Students

The first thing you’ll notice about our text editor is how elegant it is. 

No tabs and buttons all over the place. Instead, we opted for a straightforward, streamlined interface so you can easily find whatever you’re looking for.

The very top of the editor is populated with essay requirements. Just underneath it, you’ll find all the editing options you can dream of.

We hope that this minimalist approach creates an inviting, calm environment when you are writing your essay and makes it easier to focus on the task at hand.

However, minimalist doesn’t mean a lack of rich features. Quite the contrary. as you will find out.

First Things First: Know Your Essay Requirements

What’s the most common reason that scholarship essays get rejected?

Whether it’s about the required word count or the topic, most students miss on scholarship opportunities because they didn’t pay attention to the form.

It does make sense, though: we get so wrapped up in writing the actual essay that we forget to check on technicalities. Or we don’t examine the essay prompt (an elaborate description of essay requirements including the topic and details) as carefully as we should.

That is why the very top of our editor is devoted solely to these things.

On the far left, you will see the required word count for your essay, both minimum and maximum.

On the right, there are two buttons: Essay prompt and Save and Close. Hover over the Essay prompt button and – voila! – the entire description of essay requirements comes up! This way, whenever you’re in doubt, you can check whether your essay aligns with a scholarship provider’s demands, without changing tabs and forgetting everything you’ve read when you start writing again.

Finally, use the Save and Close button for any documents and/or pics you wish to add to your essay.

Editing Machine Par Excellence

Once we’ve got the basics covered, let’s get on to the actual writing, shall we?

Here you will find everything an essay editor should have.

Go to town with advanced text editing. Italics, bold, underline, strikethrough, it’s there.

Or, for those of you who like categorizing and a clear overview, use numbering, bullet points, text alignment, paragraph indents (my editorial OCD giggled a bit just writing this).

For the truly brave ones and sure to leave their mark, use font color and background color. However, bear in mind that, while the option is there, not all evaluators appreciate this approach.

It’s all there for you – all options from all modern text editors. Make the best of them.

Surprises Under the Hood Make for a Smooth Ride

You thought that was all?

While the design and text editing options, along with visible essay requirements, are undoubtedly great for scholarship essays, we went a step further.

Save the best for last, they say.

First of all, maybe you want to import a file. Easy-peasy. Just copy your Word or Google Doc file and paste it.

Then, as a serious student, you must be familiar with proofreading plugins by now? Wondrous as they are, they are also quite expensive, but – our text editor has a proofreading plugin of its own, like the best paid ones, to help clarify any scribbler’s doubt you might have. It is so kind that it will underline the words and/or grammar you might want to check (we hate typos, too).

Beside this plugin, there is another great and convenient option: export to PDF. At any point, you can convert what you’ve written into a PDF format, save it to your computer, and use it later or do with it as you please.

Speaking of saving, the editor autosaves your work, so no worries about wasting your efforts by mistake.

Best Things Are Simple and Efficient

We’ve taken the best of several worlds – design, text editing, AI help, export – and put them together into one powerful, but above all, convenient and inspiring editor.

We hope that it will help you and ease the essay writing process, ultimately resulting in you winning that awesome scholarship.

Check out our text editor today and happy writing!

Read more on useful tips and features within our platform by visiting our blog .

P.S.: This blog post was written in our essay editor. No keyboards nor desks were harmed in the process.

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David Tabachnikov is the CEO of ScholarshipOwl. Formerly at Waze and Google, David is an experienced CTO/R&D manager with over 10 years of experience of leading tech teams. David fervently believes that students should have greater access to education, and is passionate about using technology to help them achieve that goal.

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Plagiarism Spectrum 2.0

The Plagiarism Spectrum 2.0 identifies twelve types of unoriginal work — both traditional forms of plagiarism and emerging trends. Understanding these forms of plagiarism supports the development of original thinking skills and helps students do their best, original work.

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See the new plagiarism spectrum.

Since introducing the Plagiarism Spectrum in 2012, unoriginality has evolved. See recent and emerging trends in our latest infographic.

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Uphold originality in your classroom.

Our instructor guide outlines pedagogical strategies and technology interventions that help deter unoriginal work in your classroom.

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Foster a new standard of academic integrity.

Discover emerging trends in unoriginality and how to strive for the development of original thinking skills across your school or university.

Go beyond similarity checking

Protect your institution from new and emerging trends in misconduct, including text spinning and contract cheating, with Turnitin Originality.

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How To Write an Essay

Make writing an essay as easy as making a hamburger

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Structuring the Essay (aka Building a Burger)

Choosing a topic, drafting the outline, creating the introduction, writing the body of the essay, concluding the essay.

• TESOL Diploma, Trinity College London
• M.A., Music Performance, Cologne University of Music
• B.A., Vocal Performance, Eastman School of Music

Writing an essay is like making a hamburger. Think of the introduction and conclusion as the bun, with the "meat" of your argument in between. The introduction is where you'll state your thesis, while the conclusion sums up your case. Both should be no more than a few sentences. The body of your essay, where you'll present facts to support your position, must be much more substantial, usually three paragraphs . Like making a hamburger, writing a good essay takes preparation. Let's get started!

Think about a hamburger for a moment. What are its three main components? There's a bun on top and a bun on the bottom. In the middle, you'll find the hamburger itself. So what does that have to do with an essay? Think of it this way:

• The top bun contains your introduction and topic statement. This paragraph begins with a hook, or factual statement intended to grab the reader's attention. It is followed by a thesis statement, an assertion that you intend to prove in the body of the essay that follows.
• The meat in the middle, called the body of the essay, is where you'll offer evidence in support of your topic or thesis. It should be three to five paragraphs in length, with each offering a main idea that is backed up by two or three statements of support.
• The bottom bun is the conclusion, which sums up the arguments you've made in the body of the essay.

Like the two pieces of a hamburger bun, the introduction and conclusion should be similar in tone, brief enough to convey your topic but substantial enough to frame the issue that you'll articulate in the meat, or body of the essay.

Before you can begin writing, you'll need to choose a topic for your essay, ideally one that you're already interested in. Nothing is harder than trying to write about something you don't care about. Your topic should be broad or common enough that most people will know at least something about what you're discussing. Technology, for example, is a good topic because it's something we can all relate to in one way or another.

Once you've chosen a topic, you must narrow it down into a single   thesis or central idea. The thesis is the position you're taking in relation to your topic or a related issue. It should be specific enough that you can bolster it with just a few relevant facts and supporting statements. Think about an issue that most people can relate to, such as: "Technology is changing our lives."

Once you've selected your topic and thesis, it's time to create a roadmap for your essay that will guide you from the introduction to conclusion. This map, called an outline, serves as a diagram for writing each paragraph of the essay, listing the three or four most important ideas that you want to convey. These ideas don't need to be written as complete sentences in the outline; that's what the actual essay is for.

Here's one way of diagramming an essay on how technology is changing our lives:

Introductory Paragraph

• Hook: Statistics on home workers
• Thesis: Technology has changed work
• Links to main ideas to be developed in the essay: Technology has changed where, how and when we work

Body Paragraph I

• Main idea: Technology has changed where we can work
• Support: Work on the road + example
• Support: Work from home + example statistic

Body Paragraph II

• Main idea: Technology has changed how we work
• Support: Technology allows us to do more on our own + example of multitasking
• Support: Technology allows us to test our ideas in simulation + example of digital weather forecasting

Body Paragraph III

• Main idea: Technology has changed when we work
• Support: Flexible work schedules + example of telecommuters working 24/7
• Support: Technology allows us to work any time + example of people teaching online from home

Concluding Paragraph

• Review of main ideas of each paragraph
• Restatement of thesis: Technology has changed how we work
• Concluding thought: Technology will continue to change us

Note that the author uses only three or four main ideas per paragraph, each with a main idea, supporting statements, and a summary. 

Once you've written and refined your outline, it's time to write the essay. Begin with the  introductory paragraph . This is your opportunity to hook the reader's interest in the very first sentence, which can be an interesting fact, a quotation, or a  rhetorical question , for instance.

After this first sentence, add your thesis statement . The thesis clearly states what you hope to express in the essay. Follow that with a sentence to introduce your  body paragraphs . This not only gives the essay structure, but it also signals to the reader what is to come. For example:

Forbes magazine reports that "One in five Americans work from home". Does that number surprise you? Information technology has revolutionized the way we work. Not only can we work almost anywhere, we can also work at any hour of the day. Also, the way we work has changed greatly through the introduction of information technology into the workplace.

Notice how the author uses a fact and addresses the reader directly to grab their attention.

Once you've written the introduction, it's time to develop the meat of your thesis in three or four paragraphs. Each should contain a single main idea, following the outline you prepared earlier. Use two or three sentences to support the main idea, citing specific examples. Conclude each paragraph with a sentence that summarizes the argument you've made in the paragraph. 

Let's consider how the location of where we work has changed. In the past, workers were required to commute to work. These days, many can choose to work from the home. From Portland, Ore., to Portland, Maine, you will find employees working for companies located hundreds or even thousands of miles away. Too, the use of robotics to manufacture products has led to employees spending more time behind a computer screen than on the production line. Whether it's in the countryside or in the city, you'll find people working everywhere they can get online. No wonder we see so many people working at cafes!

In this case, the author continues to directly address the reader while offering examples to support their assertion.

The summary paragraph summarizes your essay and is often a reverse of the introductory paragraph. Begin the summary paragraph by quickly restating the principal ideas of your body paragraphs. The penultimate (next to last) sentence should restate your basic thesis of the essay. Your final statement can be a future prediction based on what you have shown in the essay. 

In this example, the author concludes by making a prediction based on the arguments made in the essay.

Information technology has changed the time, place and manner in which we work. In short, information technology has made the computer into our office. As we continue to use new technologies, we will continue to see change. However, our need to work in order to lead happy and productive lives will never change. The where, when and how we work will never change the reason why we work.

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10 episodes

The WRITER 2.0 Podcast is a show about writing, books, and the publishing industry. Hosted by author and professor A.C. Fuller, the show features interviews with authors, journalists, and publishing experts. About the Host: A.C. Fuller is a former adjunct professor of journalism at NYU. His non-fiction has been featured in the Poughkeepsie Journal and New York Newsday; his fiction in Cracked Eye Magazine. The prologue to his writing book in progress—WRITER 2.0—won the 2014 San Francisco Writers Contest, non-fiction category. His debut novel, THE ANONYMOUS SOURCE, was published in June of 2015. For more information: www.acfuller.com.

WRITER 2.0: Writing, publishing, and the space between A.C. Fuller: Author, Podcaster, Writing Teacher

• Society & Culture
• 4.9 • 73 Ratings
• MAR 13, 2017

Talking Romance and Writing with Emma Scott–Episode 129–March 13 2017

On episode 129 of the WRITER 2.0 Podcast I spoke once again with Emma Scott. We discussed: how she’s improved since writing her first book; her writing process and how it has changed over time; finding your story vs. creating your story; using honest self-critique while avoiding demoralizing self-criticism; whether she can really call herself a marathon … Talking Romance and Writing with Emma Scott–Episode 129–March 13 2017 Read More »

• MAR 8, 2017

Rest in Peace Roger Hobbs, and Book Giveaway—Episode 128—March 8 2017

On a special flashback episode of the WRITER 2.0 Podcast, I pay tribute to Roger Hobbs: a brilliant writer, a good friend, and a former podcast guest. Roger passed away in November at the age of 28. I also announce a giveaway of Roger’s books.  Long-time listeners may have already heard this interview in July of … Rest in Peace Roger Hobbs, and Book Giveaway—Episode 128—March 8 2017 Read More »

• 1 hr 34 min
• FEB 14, 2017

“Airplane Books” and Mailing Lists with Nick Thacker–Episode 127–February 14 2017

On episode 127 of the WRITER 2.0 Podcast, I spoke with action-adventure thriller author, and trombone major, Nick Thacker. We discussed: the deadline he gave himself that helped him finish his first book; why he gives away so many books for free; how to decide when to quit the day job; the boost a Bookbub … “Airplane Books” and Mailing Lists with Nick Thacker–Episode 127–February 14 2017 Read More »

• FEB 6, 2017

Six Thrillers in Three Months with Martha Carr–Episode 126–February 6 2017

On episode 126 of the WRITER 2.0 Podcast, I spoke with journalist turned novelist Martha Carr. Martha has released five books in her Wallis Jones series over the last ten weeks, and has one more set for release soon. We discussed: her early experiences with traditional publishing; why she went indie; why she decided to publish so … Six Thrillers in Three Months with Martha Carr–Episode 126–February 6 2017 Read More »

• FEB 1, 2017

Transitioning to Full-Time Writing with M.D. Cooper–Episode 125–February 1 2017

On episode 125 of the WRITER 2.0 Podcast I spoke with Michael (M.D.) Cooper, creator of The Intrepid Saga. We talked about: how he completed 80,000 words in the month of January; his transition into full-time writing; the differences between sci-fi and fantasy; building a sci-fi world; his recent inclusion in the Dark Humanity boxed set; … Transitioning to Full-Time Writing with M.D. Cooper–Episode 125–February 1 2017 Read More »

• JAN 26, 2017

New Books and My First All-Day Writing Class–5 Updates in 5 Minutes–Episode 124–January

On episode 124 of the podcast I offer a brief update. I have a new book out, and two new books available for pre-order, all of which can be found here. My first all-day writing workshop. I’ll be leading it in Poulsbo, Washington on March 18, 2017, and details can be found here.

• © A.C. Fuller

Customer Reviews

Stupendous.

What a fun and refreshing source of information! I am learning so much from you and all of the interviews. I find your methods very engaging. Thank you for all that you do.

Strong advice for veteran writers and newcomers

There are a lot of writing-related podcasts out there. A.C. Fuller is one of the few interviewers who goes beyond the surface questions that any host might ask their guests, and engages them in real conversations. I always learn something new, and always enjoy listening.

AC has an awesome show! Episode 108 with Susan Shapiro is a perfect example. Great questions. Excellent guest who has amazing insights and experiences and advice! I never want to miss an episode! Keep up the great work!

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WEEKLY UPSC IAS ESSAY WRITING CHALLENGE

Following are the topics on which our followers have written (and writing essays) every Sunday to hone their essay writing skills. The topics are chosen based on UPSC previous year topics. Writing one essay on each Sunday will help you get better marks in this paper.

ESSAY STRATEGY by Topper – Rank 1 CSE 2017

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• [VIDEO] How to Improve Marks in Essay and Ethics Papers?
• [VIDEO] How to Write Philosophical Essays

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2024

• May 19 2024 : In No Man’s Land, the only way to survive is to adapt.
• May 12, 2024 : Economics is concerned with what emerges, not what anyone intended.
• May 5, 2024 : A right is not what someone gives you; it’s what no one can take from you.
• April 28, 2024 : We come nearest to the great when we are great in humility.
• April 21, 2024 : Well done is better than well said.
• April 14, 2024 : Consistency is the last refuge of the unimaginative. 
• April 07, 2024 : Came from plant, use it; made in plant, don’t.
• March 30, 2024 : A Business That Makes Nothing More Than Money Is Poor Business
• March 24, 2024 : If Voting Really Made Difference, They Would Not Let Us Do It
• March 17, 2024 : Cinema Is Not A Slice Of Life, But A Piece Of Cake. 
• March 10, 2024 : Education Can give skill, but a liberal education can give dignity
• March 3, 2024 : Sometimes when you lose your way you find yourself
• February 25, 2024 : Who Looks Inside Awakes, Who Looks Outside Dream
• February 18, 2024 : Never Let School Interfere With Your Education
• February 11, 2024 : Whoever Controls the Media Controls the Mind
• February 04, 2024 : A certain darkness is needed to see the stars
• January 28, 2024 : Those who cannot remember the past are condemned to repeat it
• January 21, 2024 : Subtle Is powerful
• January 14, 2024 : The power of community to create health is far greater than any physician, clinic or hospital. 
• January  07, 2024 : Give them Quality. That’s The Best Kind of Advertising

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2023

• December 31, 2023 : The only antidote to mental suffering is physical pain
• December 24, 2023 : All Great Changes Are Preceded By Chaos
• December 17, 2023 : We are drowning in information, but starved for Knowledge
• December 10, 2023 : Violence Is the last resort of the incompetent
• December 03, 2023 : Be a Voice, Not an Echo
• November 26, 2023 : A Society that has more justice is the society that needs less charity
• November 19, 2023 : Sell Your Cleverness and Buy Bewilderment
• November 12, 2023 : love takes off the masks that we fear we cannot live without and know we cannot live within
• November 5, 2023 : Clothes Make The Man
• October 29, 2023 : Education is what remains after one has forgotten what one has learned in school.
• October 22, 2023 : Mathematics is the music of reason
• October 15, 2023 : Girls are weighed down by restrictions, boys with demands – two equally harmful disciplines
• October 08, 2023 : Inspiration for creativity springs from the effort to look for the magical in the mundane.
• October 01, 2023 : Not All Who Wander Are Lost
• September 24, 2023 : Visionary Decision-Making happens at the intersection of intuition and logic
• September 17, 2023 : Thinking Is Like A game. It does not begin unless there is an opposition team.
• September 10, 2023 : Unless we have well-educated people, we are vulnerable on National Security
• September 03, 2023 : Harsh Laws are, at times, better than No laws
• August 27, 2023 : Nations Do Not Die From Invasion. They Die From Internal Rottenness
• August 20, 2023 : In Individuals, insanity is rare; In groups, parties and nations, it is the rule.
• August 13, 2023 : Economics Is Too Important To Leave To The Economists.
• August 06, 2023 : A self without a book-shelf is naked.
• July 30, 2023 : Wrong Choices Lead To Right Places
• July 23, 2023 : Credit where credit is due.
• July 16, 2023 : A right is not what someone gives you; it’s what no one can take away from you.
• July 9, 2023 : The measure of intelligence is the ability to change
• July 2, 2023 : Do what you can, with what you have, where you are. 
• June 25, 2023 : In the long run , the sword will always be conquered by the spirit
• June 18, 2023 : The company you keep determines your Success
• June 11, 2023 : A disciplined mind brings happiness.
• June 4, 2023 : Our moral responsibility is not to stop the future but to shape it
• May 28, 2023 : Action breeds confidence and courage
• May 21, 2023 : A library is a hospital for the mind
• May 14, 2023 : Self-Education is Life-Long Curiosity
• May 7, 2023 : Silence is Spurious Golden
• April 30, 2023 : The price of greatness is responsibility
• April 23, 2023 : Progress is impossible without change
• April 16, 2023 : The Impact of Artificial Intelligence.
• April 9, 2023 : People would rather believe than know.
• April  2, 2023 : Prioritizing education technology for global growth
• March 26, 2023 : Technology is a weapon against poverty
• March 19, 2023 : Every choice you make makes you
• March 12, 2023 : Patience is a virture ; virtue is a grace
• March 5, 2023 : Before any fight, it is the fight of mind
• February 26, 2023 :  The Measure of a man is what he does with Power.
• February 19, 2023 : When you kill time, you kill life.
• February 12, 2023 : Delayed success mostly stays forever.
• February 05, 2023 : The wound is the place where the Light enters you.
• January 29, 2023 : Doubt is an uncomfortable condition, but certainty is a ridiculous one.
• January 22, 2023 : I am what I am, so take me as I am
• January 15, 2023 : Real learning comes about when the competitive spirit has ceased
• January 08, 2023 : Time hurts but it also heals. It punishes but it rewards too- it is the greatest teacher ever for a human.
• January 01, 2023 : The Beginning is the End and the End is The Beginning.

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2022

• December 25, 2022 : To tolerate is purely an act of mind
• December 18, 2022 : The arc of moral universe is long, but it bends towards justice
• December 11, 2022 : Religion is a culture of faith; Science is a culture of doubt.
• December 04, 2022 : My best friend is a person who will give me a book I have not read
• November 27, 2022 : Everything comes to him who hustles while he waits
• November 20, 2022 : We are always blind as we want to be
• November 13, 2022  : By your stumbling, the world is perfected.
• November 6, 2022 : You cannot step twice in the same river
• October 30, 2022 : Just because you have a choice, it does not mean that any of them has to be right.
• October 23, 2022 : A smile is the chosen vehicle for all ambiguities
• October 16, 2022 : The time to repair the roof is when the sun is shining
• October 9, 2022 : A ship in harbour is safe, but that is not what ship is for
• October 2, 2022 : History is a series of victories won by the scientific man over the romantic man
• September 25, 2022 : Poets are the unacknowledged legislators of the world
• September 18, 2022 : Forests are the best case studies for economic excellence
• September 11, 2022 : Culture changes with economic development.
• September 4 2022 : We don’t see things as they are, we see them as we are.
• August 28 2022 :  The obstacle is the path.
• August 21 2022 : What is to give light must endure burning.
• August 14 2022 : “He who has never learned to obey cannot be a good commander.” Aristotle.
• August 7 2022 : Any fool can know. The point is to understand.” Albert Einstein
• July 31, 2022 : A bad conscience is easier to cope with than a bad reputation. Friedrich Nietzsche.
• July 24, 2022 : Time is all we have and don’t
• July 17, 2022 : Life fritters away when distractions become your lifestyle
• July 10, 2022 : After every darkness comes the dawn July 10, 2022 : After every darkness comes the dawn
• July 3, 2022 : Mind – a beautiful servant? Or a dangerous master?
• June 26, 2022 : Education Breeds Peace
• June 19, 2022 : A great leader is never angry
• June 12, 2022 : That which hurts, instructs; That which instructs, creates; Creates Wonders!
• June 05, 2022 : Don’t let what you cannot do interfere with what you can do
• May 29, 2022 : The journey is a reward as well as destination
• May 22, 2022 : Imagination creates reality
• May 15, 2022 : The curious paradox is, only if we accept things as they are, things can change
• May 08, 2022:  The whole problem with the world is that fools and fanatics are so certain of themselves, while wiser people are so full of doubts
• May 01, 2022:  Loyalty To Country Always. Loyalty To Government Only When It Deserves
• April 24, 2022: Successful Investing Is Anticipating The Anticipations of Others
• April 17, 2022: Courage is resistance to fear, mastery of fear, not absence of fear
• April 10, 2022 : Tell me and I forget. Teach me and I remember. Involve me and I learn
• April 03, 2022 : Forgiveness is the final form of love
• March 27, 2022 : The world of reality has its limits; the world of imagination is boundless
• March 20, 2022 : Reason has always existed, but not always in a reasonable form.
• March 13, 2022 : Everything we hear is an opinion; not a fact
• March 5, 2022 : There are better practices to “best practices”
• February 27, 2022 : History repeats itself first as a tragedy second as a farce.
• February 20, 2022 : What is research, but a blind date with knowledge!
• February 13, 2022 : Hand that rocks the cradle rules the world
• February 6, 2022 : The real is rational and the rational is real.
• January 30, 2022 : Philosophy of Wantlessness Is Utopian, while the philosophy of materialism is chimera.
• January 23, 2022 : Your perception of me is a reflection of you; my reaction to you is an awareness of me.
• January 16, 2022 : The process of self-discovery has now been technologically outsourced.
• January 09, 2022 : Knowing oneself is the beginning of all wisdom
• January 02, 2022 : Biased Media Is A Real Threat To Indian Democracy

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2021

• December 26, 2021 : What Gets Measured Gets Managed
• December 19, 2021 : The enemy of stability is complacency
• December 12, 2021 : A clear conscience fears no accusation
• December 05, 2021 : Power of vested interests is vastly exaggerated compared with the gradual encroachment of ideas
• November 28, 2021 : The whole is more than a sum of its parts
• November 21, 2021 : Scientific and technological progress cannot be equated with the progress of humanity
• November 14, 2021 : The price of our vitality is the sum of all our fears
• November 7, 2021 : Lawlessness is the result of failure to cultivate a sense of self-evaluation
• October 30, 2021 : What you do makes a difference, and you have to decide what kind of difference you want to make
• October 24, 2021 : Science for the economic freedom of humanity
• October 17, 2021 : An interdependent world cannot be an inequitable world
• October 03, 2021 : Strength comes from an indomitable Will
• SEPTEMBER 26, 2021 : Ethnocracy and concentration of power can derail even an affluent nation
• SEPTEMBER 19, 2021 : Conservation is a state of harmony between men and land.
• SEPTEMBER 12, 2021 : Culture of entitlement comes with unreasonable expectations and insecurities 
• SEPTEMBER 5, 2021 : Literacy is a vital skill that enhances dignity, improves health outcomes, empowers people to access their rights and bolsters opportunities
• AUGUST 29, 2021 : A parliamentary system of government rests on a functioning opposition as ‘no democracy can do without it’.
• AUGUST 22, 2021 : Development must lead to dismantle all kinds of human unfreedom
• AUGUST 15, 2021 : Sport is a reflection of larger social phenomena
• AUGUST 8, 2021 : Every social stratum has its own Common Sense and its own good sense
• AUGUST 1, 2021 : Capitalism without competition is not Capitalism. It is Exploitation.
• JULY 25, 2021 : We don’t have to sacrifice a Strong Economy for a Healthy Environment
• JULY 18,2021 : We Need not a social conscience, but a social consciousness.
• JULY 11, 2021 : The cure for evils of democracy is more democracy.
• JULY 04, 2021 : No Constitution by itself achieves perfect justice
• JUNE 27, 2021 : Our world has achieved brilliance without conscience.
• JUNE 20, 2021 : Our common humanity demands that we make the impossible possible.
• JUNE 13, 2021 : Without courage we cannot practice any other virtue with consistency. We can’t be kind, true, merciful, generous, or honest.
• JUNE 06, 2021 : The political problem of mankind is to combine three things: economic efficiency, social justice and individual liberty.
• MAY 30, 2021 : Economics without ethics is a caricature & ethics without economics is a fairy tale.
• MAY 23 , 2021 : Indecisiveness is the rival of Progression
• MAY 16 , 2021 : Time changes everything except something within us which is always surprised by change.
• May 09, 2021 : The possession of arbitrary power has always, the world over, tended irresistibly to destroy humane sensibility, magnanimity, and truth
• May 02, 2021 : The truth of character is expressed through choice of act ions
• April 25, 2021 : It is not our differences that divide us; It is our inability to recognise, accept, and celebrate those differences.
• April 18, 2021 : Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.
• April 11, 2021 : Solutions emerge if situations are not forced
• April 04, 2021 : Morality is subservient to materialistic values in present times
• March 28, 2021 : Prejudice is a burden that confuses the past, threatens the future and renders the present inaccessible
• March 21, 2021 : Our major social problems are not the cause of our decadence but are a reflection of it
• March 14, 2021 : The Future of Multilateralism : Towards a responsible Globalization
• March 07, 2021 : Subtlety may deceive you; Integrity never will
• February 28, 2021 :Technology as the silent factor in international relations
• February 21, 2021 :Patriarchy is the least noticed yet the most significant structure of social inequality
• February 14, 2021:There can be no social justice without economic prosperity but economic prosperity without social justice is meaningless
• February 07, 2021: Culture is what we are civilization is what we have
• January 31, 2021: Simplicity is the ultimate sophistication
• January 24, 2021: Ships do not sink because of water around them , ships sink because of water that gets into them
• January 17, 2021: Mindful manifesto is the catalyst to a tranquil self
• January 10, 2021: Life is long journey between human being and being humane
• January 03, 2021: The Covid pandemic has revealed the urgent need for effective governance everywhere”
• December 27, 2020: Challenges of 21st Century – insurmountable?
• December 20, 2020: Too much Democracy is Detrimental to Development
• December 13, 2020: Happiness is not an ideal of reason, but of imagination.

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2020

• December 06, 2020 : As you Start to walk on the way, the Way appears
• November 29, 2020: Need of the Hour is to Maximise Possibilities of Agriculture in India
• November 22, 2020: The survival of democracy depends on its ability to lower social uncertainty
• November 15, 2020: There is no greatness where there is no simplicity
• November 08, 2020: Inequality can be Reduced by the Power of the Market rather than the Government
• November 01, 2020: Civil liberties are fundamental to the functioning of modern democracies
• October 25, 2020: Artificial Intelligence is Not All Evil – It can Promote Social Good Too
• October 18, 2020: Wherever law ends, tyranny begins
• October 11, 2020:Hyper-globalism is threat to human prosperity
• September 27, 2020: Our World is in a Surplus of Multilateral Challenges and a Deficit of Solutions
• September 20, 2020: In India Agriculture and the Farmer are both the Victims of Narrow Political Vision
• September 13, 2020: India Needs Aggressive and Pragmatic Neighbourhood Policy
• September 6, 2020: “The greatest discovery of all time is that a person can change his future by merely changing his  attitude .
• August 30, 2020: The worst form of inequality is to try to make unequal things equal
• August 23, 2020: Justice will not be served until those who are unaffected are as outraged as those who are.
• August 16, 2020: Life without liberty is like a body without spirit.
• August 09, 2020: Strive not to be a success, but rather to be of value
• August 02, 2020: New Education Policy 2020: A Progressive Policy with Diverse Challenges
• July 26, 2020: In a democracy, the individual enjoys not only the ultimate power but carries the ultimate responsibility
• July 19, 2020: Education is a progressive discovery of our own ignorance
• July 12, 2020: The human spirit must prevail over technology
• July 05, 2020: When the power of love overcomes the love of power the world will know peace.
• June 28, 2020: Today India Needs ‘Harmony in Diversity’, Not Unity in Diversity.
• June 21, 2020: A people without the knowledge of their past history, origin and culture is like a tree without roots.
• June 14, 2020: Post Independence, the Issue of Land is at the Core of India’s Non-Achievement of Its Development Aspirations
• June 7, 2020: Never Let a Good Crisis Go to Waste
• May 31, 2020: Despite Challenges, To be a Healthy and Successful Nation, India must Ensure Universal Health Coverage 
• May 24, 2020: Nearly all men can stand adversity, but if you want to test a man’s character, give him power.
• May 17, 2020:The test of our progress is not whether we add more to the abundance of those who have much it is whether we provide enough for those who have too little
• May 10, 2020: Urban Exclusion of Migrant Workers in India is a Reality and Needs Urgent Robust Policy Measures
• May 03, 2020: Uncertainty should ignite creativity, not depravity
• April 26, 2020: The fool doth think he is wise but the wise man knows himself to be a fool
• April 19, 2020: Social Harmony, not Social Distancing, is the final solution to all our problems
• April 12, 2020: It is our choices, that show what we truly are, far more than our abilities
• April 05, 2020: Education must also train one for quick, resolute and effective thinking
• March 29, 2020: “Problems cannot be solved at the same level of awareness that created them”
• March 22, 2020: In order to understand the world one has to turn away from it on occasion
• March 15, 2020: Pandemics such as COVID-19, though Catastrophic, are in the end Meant to Reset Humanity and its Priorities
• March 08, 2020: Those who have wisdom have all: Fools with all have nothing
• March 01, 2020: Indifferentism is the worst kind of disease that can affect people.
• [VIDEO] Perspectives on Essay Topic of Feb 23
• February 23, 2020: To ease another’s heartache is to forget one’s own.
• February 16, 2020 : When civil services does its job, people will not need social service
• February 09, 2020 : The greatest threat to our planet is the belief that someone else will save it.
• February 02, 2020: Ability will get you success, Character will keep you successful.
• January 26, 2020: Media’s duty is to inform public, not manufacture opinion.
• January 19, 2020: Freedom is not worth having if it does not include the freedom to make mistakes
• January 12, 2020 : Women who seek to be equal with men lack ambition
• J anuary 5, 2020 : All war is a symptom of man’s failure as a thinking animal
• December 29, 2019 : There cannot be daily democracy without daily citizenship
• December 22, 2019: War is the ultimate Price we pay for lasting Peace
• December 15, 2019 : Inclusivity and Plurality are the hallmarks of a peaceful society
• December 08, 2019: Justice Loses Character if it becomes Revenge
• December 01. 2019: Economic Growth and Development are Shaped by the Societies in which they Operate
• November 24, 2019: Social Media is the Fourth Pillar of Democracy
• November 17, 2019: Media is No More a Fourth Pillar of Democracy
• November 10, 2019: Rise of Artificial Intelligence: the threat of jobless future or better job opportunities through reskilling and upskilling
• November 03, 2019:Biased media is a real threat to Indian democracy
• October 27, 2019: Neglect of primary health care and education in India are reasons for its backwardness
• October 20, 2019: South Asian societies are woven not around the state, but around their plural cultures and plural identities
• October 13, 2019: Courage to accept and dedication to improve are two keys to success
• October 06, 2019: Best for an individual is not necessarily best for the society
• September 29, 2019: Values are not what humanity is, but what humanity ought to be
• September 22, 2019: Wisdom finds truth

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2019

• September 15, 2019: Kashmir Problem – Historical Injustice or Misguided Geopolitics?
• September 08, 2019: India’s Space Ambitions – Are they Welfarist?
• September 01, 2019: India – $5 Trillion Economy: Dream or Reality?
• August 25, 2019 Knowledge will give you power, but character respect.
• August 18, 2019 The mind is everything. What you think you become.
• August 11, 2019: Virtue is Knowledge
• August 04, 2019: Inclusive governance begets Inclusive growth
• July 28, 2019: India’s headache: Unemployment or Underemployment?
• July 21, 2019: The road to science and spirituality are opposite, but we should tread both
• July 14, 2019: India is a leading power, rather than just a balancing power
• July 07, 2019: Should the world embrace democratic socialism or progressive capitalism?
• June 30, 2019: Impact of Digital Revolution on Human Wellbeing
• June 23, 20 19: Contentment is natural wealth, luxury is artificial poverty
• June 16, 2019: The definition of happiness is the full use of your powers, along the lines of excellence.
• June 09, 2019: Not Corruption, Communalism is the Greatest Threat India is facing Today
• May 19, 2019: First they ignore you, then they laugh at you, then they fight you, then you win.
• May 12, 2019: Never interrupt your enemy when he is making a mistake
• May 05, 2019: Happiness equals reality minus expectations
• April 28, 2019: Political correctness is tyranny with manners
• April 21, 2019: The only thing necessary for the triumph of evil is for good men to do nothing.
• April 07, 2019: Dogma is the sacrifice of wisdom to consistency
• March 31, 2019: The true measure of a man is how he treats someone who can do him absolutely no good.
• March 24, 2019: Terrorism has No Religion
• March 17, 2019: Money and Religion – Great Unifiers of Humankind?
• March 10, 2019: Tradition becomes our security, and when the mind is secure it is in decay
• March 03, 2019: Innovation distinguishes between a leader and a follower
• February 24,2019: Knowledge speaks, but wisdom listens
• February 17, 2019: Problems worthy of attack prove their worth by fighting back
• February 10, 2019: Nothing in the world is more dangerous than sincere ignorance and conscientious stupidity.
• February 03, 2019: You can avoid reality, but you cannot avoid the consequences of avoiding reality
• January 27, 2019: Glory is fleeting, but obscurity is forever
• January 20, 2019: All that we are is the result of what we have thought.
• January 12, 2019: All differences in this world are of degree, and not of kind, because oneness is the secret of everything.
• January 06, 2019: National security is Irreversibly linked to good economic growth

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2018

• December 28, 2018: To plan for smart development, governments and business must recognize nature’s role in supporting economic activity
• December 23, 2018: Government Surveillance – Good or Bad?
• December 16, 2018: Trade Wars – Economic or Geopolitical?
• December 02, 2018: Immigration is Not a Threat, but Fundamentally it’s an Economic Issue
• November 25, 2018: A people that values its privileges above its principles loses both
• November 18, 2018: “The past’ is a permanent dimension of human consciousness and values
• November 11, 2018: A good life is one inspired by love and guided by knowledge
• November 04, 2018: Management of Indian border disputes – a complex task
• October 28, 2018: Alternative technologies for a climate change resilient India
• October 21, 2018: Poverty anywhere is a threat to prosperity everywhere
• October 14, 2018: Reality does not conform to the ideal, but confirms it
• October 07, 2018: Customary morality cannot be a guide to modern life
• September 30, 2018: Commercialization of Space : Importance and the need for regulation
• September 23, 2018: E-commerce as a new form of trade and its challenges to India.
• September 16, 2018: Ability is nothing without opportunity
• September 09, 2018: Death Penalty eliminates Criminals, not Crime.
• September 02, 2018: Dissent is the foundation of democracy.
• August 26, 2018: Mars Mission and Mob lynchings are two obverse faces of India
• August 19, 2018: Strengthening Land Rights Strengthens Development
• August 12, 2018: Age of Big Data: Data is the New Oil, History is its oldest bank
• August 05, 2018: Strong Institutions and fair procedures, not personalities constitute the fundamentals of good governance
• July 29, 2018: Social reform is a myth if places of worship are open only to all castes and not to all genders.
• July 22, 2018: Section 377, not the carnal acts banned under it is ‘against the order of nature ‘
• July 15, 2018: Schooling Is Not Education
• July 08, 2018: Sometimes it takes a natural disaster to reveal a social disaster.
• July 01, 2018: Normal human activity is worse for nature than the greatest nuclear accident in history
• June 24, 2018: Gender Sensitive Indian Society is Prerequisite for Women and Child Empowerment
• June 17, 2018: Where Should India Invest More – Human Capital or Human Development?
• June 10, 2018: Has Democracy Taken Backseat Due to the Rise of Populists and Demagogues?
• June 03, 2018: We won’t have a society ,if we destroy the environment
• May 27, 2018: Can Development and Environment Protection Go Together?
• May 20, 2018: Governor is the Choke Point of Federal Circuit of India
• May 13, 2018: Anonymity is the Best and the Worst Feature of Urbanism
• May 06, 2018: A man is but the product of his thoughts; what he thinks, he becomes
• April 29, 2018: Guaranteeing Right to Vote may Establish a Democracy, But Ensuring it’s Right Use Only Will Bring a True Democracy
• April 22, 2018: Stereotyping is an Ideological Force Which Hinders and Endangers Consolidation of India
• April 15, 2018: Can Education and legislation Address Violence Against Women and Children in India?
• April 8, 2018: Banking Crisis in India – Failure of Governance and Regulation?
• April 1, 2018: Privacy is the fountainhead of all other rights
• March 25, 2018: Impact of Technology on Human Relations and Human Productivity
• March 18, 2018: India’s Focus should be on Ease of Living, not on Easy of Doing Business
• March 11, 2018: A friend to everybody is a friend to nobody
• March 04, 2018: Capitalism can not Bring Inclusive Growth
• February 25, 2018: The unprecedented advance of technologies facilitate individual empowerment but at the cost of Institutions and Democratic societies
• February 18, 2018: Threats being Faced by Liberal Democratic Systems are both Dangerous and Permanent
• February 11, 2018: For India, Stigmatised Capitalism is Better than Crony Socialism
• February 04, 2018: Art, freedom and creativity will change society faster than politics.
• January 28, 2018: Politics of Identity is the Politics of the Weak
• January 21, 2018: Poverty is the parent of revolution and crime
• January 14, 2018: Peace cannot be kept by force; it can only be achieved by understanding
• January 07, 2018: The Root Cause of Agrarian Distress in India – Failure of Policies or Failure of Governance?

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2017

• December 31, 2017: Impact of the new economic measures on fiscal ties between the union and states in India
• December 24, 2017: Fulfilment of ‘new woman’ in India is a myth
• December 17, 2017: Joy is the simplest form of gratitude.
• December 10, 2017: Farming has lost the ability to be a source of subsistence for majority of farmers in India
• December 03, 2017: Destiny of a nation is shaped in its classrooms
• November 19, 2017: Has the Non- Alignment Movement(NAM) lost its relevance in a multipolar world
• November 12, 2017: Social media is inherently a selfish medium.
• November 04, 2017: We may brave human laws but cannot resist natural laws
• October 29, 2017: Gratitude is not only the greatest of virtues, but the parent of all the others.
• October 22, 2017: Harith Diwali, Swasth Diwali : What measures are needed to deal with Festivity and Air Pollution?
• October 15, 2017: Biggest Threat to Humanity – Moral Crisis or Climate Change?
• October 08, 2017: The monsoon is a defining aspect of India’s nationhood
• October 01, 2017: India’s Infrastructure Story – Why is India not able to Build like China?
• September 24, 2017: Impact of Digital Technologies on Globalisation
• September 17, 2017: Urbanisation and Solid Waste Management in India – Challenges and Opportunities
• September 10,2017: Gender Equality and Peace: Are They Connected?
• September 03, 2017: Recent Natural Disasters – What do they Reveal about Humanity?
• August 27, 2017: Godmen – A Threat to Indian Society and Culture
• August 20, 2017: Corruption in India: Neither Systemic Reforms nor Surgical Strikes would End it
• August 13,2017: Interrelationship between Gender Equality and Sustainable Development
• August 06, 2017: Utility and relevance of Parliament in our polity
• July 30, 2017: Caste System – Source of India’s Eternal Inequality?
• July 23, 2017: Indian Democracy, Media and Public Opinion – Does Public Opinion Matter in Policymaking?
• July 16, 2017: Poverty and Environment – Their Interrelationship is the Key to Sustainable World
• July 09, 2017: Soft Power is India’s Strength, not its Weakness
• July 02, 2017: Technology and Jobs – Is Technology a Curse?
• June 25, 2017: Democracy’s Relevance in the Face of New Global Threats
• June 18, 2017: Federalism in India – Competitive or Cooperative?
• June 11, 2017: Peace, Environment and Development: Are these Interrelated?
• June 04, 2017: Role of Technology in Development – Is Technology Helping or Hindering Development?
• May 28, 2017: Poverty is a State of Mind
• May 21, 2017: Does India Need Superpower Status?
• May 14, 2017: India’s Achilles Heel – Lack of Ambition or Lack of Leadership in Achieving Greatness?
• May 07, 2017: Don’t limit a child to your own learning, for he was born in another time.
• April 29, 2017: The greatest happiness of the greatest number is the foundation of morals and legislation
• April 23, 2017: To conquer fear is the beginning of wisdom
• April 16, 2017: One-Party-Dominant System – Is it Good for India?
• April 09, 2017: Should Youth in India Consider Politics as Career?
• April 02, 2017: Can World Save Succeeding Generations from the Scourge of War?
• March 26, 2017: Low, stagnating female labour-force participation in India: An anomaly or an outcome of economic reforms?
• March 19, 2017: When a man is denied the right to live the life he believes in, he has no choice but to become an outlaw
• March 12, 2017: The marks humans leave are too often scars
• March 05, 2017: Environmental Challenges and Geopolitics: How to save our Environment?
• February 27, 2017: Radical Solutions are Needed to Address Today’s Radical Problems
• February 19, 2017: India’s Importance in the Post-truth World
• February 12, 2017: The Role of Politics in Development
• February 05, 2017: Facts do not cease to exist because they are ignored
• January 29, 2017: Building Walls and Banning Refugees – Does this Help Humanity?
• January 22, 2017: Digital economy: A leveller or a source of economic inequality
• January 15, 2017: Cyberspace and internet: Blessing or curse to the human civilization in the long run
• January 08, 2017: Water disputes between states in federal India
• January 01, 2017: Need brings greed, if greed increases it spoils breed

WEEKLY UPSC IAS ESSAY WRITING CHALLENGES – 2016

• (December 25, 2016) – Cooperative federalism: Myth or reality
• (December 18, 2016) – Innovation is the key determinant of economic growth and social welfare
• (December 11, 2016) – Near jobless growth in India: An anomaly or an outcome of economic reforms
• (December 04, 2016) – If development is not engendered, it is endangered
• (November 27, 2016) – Social media is better at breaking things than at making things
• (November 20, 2016) – Deglobalization is good for the world
• (November 12, 2016) – Democracy is the worst form of government, except for all the others
• (November 06, 2016) – It is not inequality which is the real misfortune, it is dependence
• (October 30, 2016) – Reducing Poverty while also Conserving Nature is an Impossible Task
• (October 23, 2016) – Poverty can be eliminated by putting science at the heart of development
• (October 16, 2016) – People shouldn’t be afraid of their government. Governments should be afraid of their people
• (October 09, 2016) – Better Access is Key to Inclusive Cities
• (October 02, 2016) – The weaker sections of Indian society – Are their Rights and Access to Justice Getting Better?
• (September 25, 2016) – Imagination is more important than intelligence
• (September 18, 2016) – Science is organized knowledge. Wisdom is organized life
• (September 11, 2016) – Not what we have But what we enjoy, constitutes our abundance
• (September 04, 2016) – It is the mark of an educated mind to be able to entertain a thought without accepting it
• (August 28, 2016) – If one can Address Moral Crisis, many of World’s Problems can be Solved
• (August 21, 2016) – Overdependence on Technology will Advance Human Development
• (August 14, 2016) – Geography may remain the same ; history need not
• (August 07, 2016) – Knowing yourself is the beginning of all wisdom
• (July 31, 2016) – To live is the rarest thing in the world. Most people exist, that is all
• (July 24, 2016) – True knowledge exists in knowing that you know nothing
• (July 17, 2016) – We Can Not Fight Terrorism – We have to Live With it
• (July 10, 2016) – A house divided against itself cannot stand
• (July 02, 2016) – When the going gets tough, the tough get going
• (June 26, 2016) – India a Reluctant Participant in the New Global Order?
• (June 19, 2016) – Inclusiveness in India – Still a Dream?
• (June 12, 2016) – No one can make you feel inferior without your consent
• (June 05, 2016) – Not everything that can be counted counts, and not everything that counts can be counted
• (May 29, 2016) – It is hard to free fools from the chains they revere
• (May 22, 2016) – Honest disagreement is often a good sign of progress
• (May 15, 2016) – Fire is a good servant but a bad master
• (May 08, 2016) – The grass is always greener on the other side of the fence
• (May 01, 2016) – Labour Reforms in India and its Role in Economic Development
• (April 24, 2016) – It takes a whole village to raise a child
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• (April 03, 2016) – Honesty is the Best Policy
• (March 27, 2016) – Before criticizing a man, walk a mile in his shoes
• (March 20, 2016) – Caste System – India’s Enduring Curse
• (March 13, 2016) – Fortune favors the bold
• (March 06, 2016) – Quick but steady wins the race
• (February 28, 2016) – Dreams which should not let India sleep
• (February 21, 2016) – Lending hands to someone is better than giving a dole
• (February 14, 2016) – Technology cannot replace manpower
• (February 7, 2016) – Character of an institution is reflected in its leader
• (January 31, 2016) – Can Capitalism bring Inclusive Growth?
• (January 24, 2016) – Crisis Faced in India – Moral or Economic?
• (January 17, 2016) – Too many cooks spoil the broth
• (January 10, 2016) – The Best Things in Life are Free
• (January 3, 2016) – Don’t count your chickens before they hatch.

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How to Write a Double-Spaced Essay: Full Guide with Examples

MS word double spacing

Double spacing is an editing method that refers to the space between the lines of your essay. The tutor will ask the student to double-space to add the comments and editing marks. 

Double spacing happens to be the norm in essay writing. The student can change the spacing depending on the word processing programs. They could be Microsoft Word or Mac’s Pages word-processing programs. 

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What is a double spaced essay.

A double-spaced essay is an essay where the author formatted the space between the lines and the paragraphs using double spacing selection. Ideally, a double-spaced essay contains between 275 and 300 words per page depending on the font. The format is common to students and tutors as they use the space to make corrections. 

A double-spaced essay can carry 275 words per page.

It all depends on the page margins where you are placing your text.

Suppose your page is of standard size, then the words will increase naturally.

When you are using an A4-sized page, the same essay may contain fewer words. 

Notably, the author can write as many words as he or she desires. The only limit could be your ability. The shortest essay could range between 500 and 1000 words. However, any essayist could write thousands of words to expound on the provided topic. 

The standard font for a double-spaced essay should be 12. Such empowers the writer to create at least 200 words for each page. When you are writing using this 12-point font, it makes the paragraphs to be understandable. 

The college can penalize the student if he fails to stick to the instructions. As such, it is vital to work with 12 points when you are writing an essay.

When you are writing the essay, you can use any font type unless indicated in the instructions. If unsure, then you can select the Home tab as you click on the correct font icon. 

Why Double Space? 

We do double spacing to meet the requirements of the checker. Again double spacing is necessary to allow the teacher to comment on the feedback while evaluating the essay.

The essay should meet the desires of the reader and not the writer. You can read more about writing good essays in the guide about the contents and the structure.

Difference between Single and Double Spaced Essays

The double-spaced document involves creating additional space between the paragraphs. Such a format will feature two spaces where the writer will have to press the Enter button twice. The added space allows the teacher to make changes and other remarks. 

A single-spaced paper is where there is little white space between the paragraphs. For this case, the tutor can also give instructions to students to use that format when writing a particular essay. The author only presses the Enter button once. 

How to Write a Double-Spaced Essay

Whether writing a narrative report or an essay for your school, you should select a line for spacing your work. The double spacing design becomes great as it makes it easier for the author to get the flow of the text. 

One can double-space the work by making the correct parameters for the selected text or the entire document. Several word processing documents exist to help you double-space your work, as indicated in the following examples. 

Double-Spacing in MS Word 

Begin by opening the document that you are working with. It could be either a blank document or some needs text in it. 

• You can now create a default document to enable the whole document to stay double-spaced by following the simple procedure as
• Locate the toolbar and select the styles. 
• Right-click on the Normal on the Home tab
• Click on modify on the pop-up menu.
• Select the Formatting prompt and choose the Double-spaced button. 
• Choose OK to activate the Double spacing design. 
• Create a space within your document where you desire to double space.
• Highlight the text you desire to double-space. 
• Click on Paragraph spacing and Line.
• Choose option 2.0 to double-space the highlighted space. 

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How to Spice up Double-Spacing your essay

One can make the essay remain engaging and interesting by double spacing it. Some of the things that could make it appealing are as follows:

a) Using Short Sentences

The purpose of essay writing is to impress the reader. As the research study indicates, you should use short sentences to make your essay more readable. The reason behind short sentences is that they are easy to understand. 

It could be tempting if you settled on using a large and complex vocabulary in your essay construction. In practice, complex sentences make it hard for the reader to enjoy the flow.

The secret is writing short and meaningful sentences and coming up with some charming lines. This is one of the recommended ways to become a better essay writer because you present your points in precise sentences.

b) Use Ordinary Words 

The reader’s nature is that they appreciate small and ordinary words. Another thing is that the readers do not like to be exposed as having a vocabulary problem. You can make it more appealing by using simple common words. 

The reader will be interested in the article if it carries common words that they understand without any struggle. Such an engaging document will bring desirable outcomes. 

c) Structure Your Essay Properly

A well-structured essay should arouse the interest of the reader. Precisely, a well-structured essay is ever reader-friendly. The author should make the content to be in the right structure. Follow simple steps to ensure that your essay remains in the proper structure. 

For example, you should begin with the introduction but other content in the body and make your conclusion.

Such carries a standard format of organizing your work in an engaging manner. 

Suppose your essay is talking about what history is all about, then you should write what comes up first.

End with what came last to ensure you are achieving proper structure. 

d) Be Factual When Substantiating Your Claims 

The most common mistake the essayists make is writing what they only believe. The correct format is to substantiate those arguments with facts.

Never leave out empirical evidence because you do not believe in it. Such could make it easy to be undesirable. Also, avoid saturating the points with facts that appear too odd.

The writer should also be keen never to jump to conclusions.  Let the author present the point backed by utmost research and weight.

The essay should address what the reader should find interesting. For that matter, make strong arguments for increasing your authority as a writer. 

e) Keep Your Essay Relevant 

Suppose your essay lacks relevancy, then it may fail to score better marks. An irrelevant essay means that it lacks sense in the common application. You can increase its relevancy by writing hot topics. 

When you complete your essay, ensure you proofread it to fine-tune it for any deviations and errors. Become your first judge. Such tactics make you improve your writing as you move on.

You can retain your authority over the topic by sticking with the right facts. At that point, you will make any reader get glued to your piece. 

f) Choose Hot Topics

The purpose of writing an essay is to engage the reader. The essay could fail to be interesting if you are writing on a boring old topic. The challenge lies in selecting the hot topic.

The writer should be careful in selecting the right topic. It calls for doing enough research to come up with the right topic of study. When unsure, then you can seek guidance from your faculty to know the correct topic to research and craft the essay about. 

Benefits of Double-Spacing in Academic Writing

1. easy to read.

First, leaving extra space between lines improves readability and makes the content easier to absorb and follow. Additionally, double spacing allows for comments and suggestions from professors or fellow students within the text.

Additionally, it enhances the essay’s general appearance, making it more polished and pleasing. Also, double spacing makes it easier to insert adjustments or amendments, facilitating effective editing and proofreading procedures.

2. It Makes an Essay Longer

Double spacing might sometimes give the impression that an essay is longer. The content is dispersed and gets more words by widening the line space. When an assignment has definite duration requirements, this may be useful.

It is vital to remember that lengthening an essay unnecessarily without adding relevant material could hurt the writer’s overall quality and consistency.

3. One can read while underlining

Another advantage of double spacing in essays is that it makes it simple for readers to underline or highlight key passages.

Since there is more area between lines, readers can mark or comment on particular portions, making it simpler to interact with the text and grasp its main ideas.

Also, because the underlined passages act as visual indicators for essential content, this can be very helpful for studying, revisiting, or referring to the essay in the future.

4. Offers space for personal notes

The wider line spacing allows students to make notes or add additional thoughts to their essays in the margins or between the lines.

This provides a handy way to write notes, draw connections, or provide additional context for specific textual passages.

These private notes can improve the overall learning and engagement with the essay by acting as helpful references for discussions, edits, or subsequent study sessions.

5. Easy to Spot mistakes

The increased spacing between lines allows for clearer visibility of individual words, sentences, and punctuation marks. This enhanced readability helps identify typos, grammatical errors, and formatting inconsistencies.

With white space, the eyes can navigate the text more comfortably, enabling a more careful and thorough review.

As a result, double spacing facilitates the proofreading and editing process, leading to a higher chance of catching and correcting mistakes before the final submission.

6. The paper looks professional

In essays, double spacing gives them a more polished appearance. The wider line spacing makes the document’s layout neater and more streamlined.

Also, this formatting decision complies with accepted academic standards and improves the essay’s overall presentation, giving it a polished and expert appearance.

7. Conforms with most referencing styles

Many style guides, such as APA, MLA, and Chicago, recommend double spacing as a standard requirement.

When you adhere to this spacing format, your essay aligns with the guidelines and expectations of these referencing styles, ensuring consistency and conformity in your writing.

8. Promotes clarity of text

In essays, double spacing encourages text clarity. The legibility is improved, and word crowding is prevented by leaving more space between lines.

The reader’s capacity to discern between individual words and sentences is improved by the greater spacing, which lowers the possibility of misunderstanding or misinterpretation.

Effective communication relies heavily on clarity, and double spacing makes the substance of the essay easier to understand.

Watch this video to learn more about this.

Josh Jasen or JJ as we fondly call him, is a senior academic editor at Grade Bees in charge of the writing department. When not managing complex essays and academic writing tasks, Josh is busy advising students on how to pass assignments. In his spare time, he loves playing football or walking with his dog around the park.

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What Is a Capstone Project vs. Thesis

As students near the end of their academic journey, they encounter a crucial project called the capstone – a culmination of all they've learned. But what exactly is a capstone project? 

This article aims to demystify capstone projects, explaining what they are, why they matter, and what you can expect when you embark on this final academic endeavor.

Capstone Project Meaning

A capstone project is a comprehensive, culminating academic endeavor undertaken by students typically in their final year of study. 

It synthesizes their learning experiences, requiring students to apply the knowledge, skills, and competencies gained throughout their academic journey. A capstone project aims to address a real-world problem or explore a topic of interest in depth. 

As interdisciplinary papers, capstone projects encourage critical thinking, problem-solving, and creativity. They allow students to showcase their mastery of their field of study and demonstrate their readiness for future academic or professional pursuits.

Now that we’ve defined what is a capstone project, let’s discuss its importance in the academic landscape. In case you have short-form compositions to handle, simply say, ‘ do my essay for me ,’ and our writers will take care of your workload.

Why Is a Capstone Project Important

A capstone project is crucial because it allows students to combine everything they've learned in school and apply it to real-life situations or big problems. 

It's like the ultimate test of what they know and can do. By working on these projects, students get hands-on experience, learn to think critically and figure out how to solve tough problems. 

Plus, it's a chance to show off their skills and prove they're ready for whatever comes next, whether that's starting a career or going on to more schooling.

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What Is the Purpose of a Capstone Project

Here are three key purposes of a capstone project:

Integration of Knowledge and Skills

Capstones often require students to draw upon the knowledge and skills they have acquired throughout their academic program. The importance of capstone project lies in helping students synthesize what they have learned and apply it to a real-world problem or project. 

This integration helps students demonstrate their proficiency and readiness for graduation or entry into their chosen profession.

Culmination of Learning

Capstone projects culminate a student's academic journey, allowing them to apply theoretical knowledge to real-world scenarios. 

tackling a significant project or problem, students demonstrate their understanding of concepts and their ability to translate them into practical solutions, reinforcing their learning journey.

Professional Development

Capstone projects allow students to develop skills relevant to their future careers. These projects can also be tangible examples of their capabilities to potential employers or graduate programs.

Whether it's conducting research, presenting findings, or collaborating with peers, students gain valuable experience that enhances their professional readiness. 

Types of Capstone Projects

Capstones vary widely depending on the academic discipline, institution, and specific program requirements. Here are some common types:

What Is the Difference Between a Thesis and a Capstone Project

Here's a breakdown of the key differences between a thesis and a capstone project:

How to Write a Capstone Project

Let's dive into the specifics with actionable and meaningful steps for writing a capstone project:

1. Select a Pertinent Topic

Identify a topic that aligns with your academic interests, program requirements, and real-world relevance. Consider issues or challenges within your field that merit further exploration or solution. 

Conduct thorough research to ensure the topic is both feasible and significant. Here are some brilliant capstone ideas for your inspiration.

2. Define Clear Objectives

Clearly articulate the objectives of your capstone project. What specific outcomes do you aim to achieve? 

Whether it's solving a problem, answering a research question, or developing a product, ensure your objectives are specific, measurable, achievable, relevant, and time-bound (SMART).

3. Conduct Comprehensive Research

Dive deep into existing literature, theories, and empirical evidence related to your chosen topic. Identify gaps, controversies, or areas for further investigation. 

Synthesize relevant findings and insights to inform the development of your project and provide a solid foundation for your analysis or implementation.

4. Develop a Structured Plan

What is a capstone project in college without a rigid structure? Outline a comprehensive plan for your capstone project, including key milestones, tasks, and deadlines. 

Break down the project into manageable phases, such as literature review, data collection, analysis, and presentation. Establish clear criteria for success and regularly monitor progress to stay on track.

5. Implement Methodological Rigor

If your project involves research, ensure methodological rigor by selecting appropriate research methods, tools, and techniques. 

Develop a detailed research design or project plan that addresses key methodological considerations, such as sampling, data collection, analysis, and validity. Adhere to ethical guidelines and best practices throughout the research process.

6. Analyze and Interpret Findings

Analyze your data or findings using appropriate analytical techniques and tools. Interpret the results in relation to your research questions or objectives, highlighting key patterns, trends, or insights. 

Critically evaluate the significance and implications of your findings within the broader context of your field or industry.

7. Communicate Effectively

Present your capstone project clearly, concisely, and compellingly. Whether it's a written report, presentation, or multimedia deliverable, tailor your communication style to your target audience. Clearly articulate your research questions, methodology, findings, and conclusions. 

Use visuals, examples, and real-world applications to enhance understanding and engagement. Be prepared to defend your project and answer questions from peers, faculty, or stakeholders.

In wrapping up, what is a capstone project? It’s like the grand finale of your academic journey, where all the knowledge and skills you've acquired come together in one big project. 

It's not just about passing a test or getting a grade – it's about proving you've got what it takes to make a real difference in the world. So, if you ever need capstone project help , our writers will gladly lend you a hand in no time.

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What Is a Capstone Project in College?

How to do a capstone project, how long does a capstone project take to complete.

Annie Lambert

specializes in creating authoritative content on marketing, business, and finance, with a versatile ability to handle any essay type and dissertations. With a Master’s degree in Business Administration and a passion for social issues, her writing not only educates but also inspires action. On EssayPro blog, Annie delivers detailed guides and thought-provoking discussions on pressing economic and social topics. When not writing, she’s a guest speaker at various business seminars.

is an expert in nursing and healthcare, with a strong background in history, law, and literature. Holding advanced degrees in nursing and public health, his analytical approach and comprehensive knowledge help students navigate complex topics. On EssayPro blog, Adam provides insightful articles on everything from historical analysis to the intricacies of healthcare policies. In his downtime, he enjoys historical documentaries and volunteering at local clinics.

• T. (2023, June 16). What Is a Capstone Project? National University. https://www.nu.edu/blog/what-is-a-capstone-project/
• Lukins, S. (2024, May 12). What is a capstone project? And why is it important? Top Universities. https://www.topuniversities.com/student-info/careers-advice-articles/what-capstone-project-why-it-important
• Capstone Project vs. Thesis: What’s the Difference? (2021, December 9). UAGC. https://www.uagc.edu/blog/capstone-project-vs-thesis-whats-difference

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The Possible Collapse of the U.S. Home Insurance System

A times investigation found climate change may now be a concern for every homeowner in the country..

This transcript was created using speech recognition software. While it has been reviewed by human transcribers, it may contain errors. Please review the episode audio before quoting from this transcript and email [email protected] with any questions.

From “The New York Times,” I’m Sabrina Tavernise. And this is “The Daily.”

[MUSIC PLAYING]

Today, my colleague, Christopher Flavelle, on a “Times” investigation into one of the least known and most consequential effects of climate change — insurance — and why it may now be a concern for every homeowner in the country.

It’s Wednesday, May 15.

So, Chris, you and I talked a while ago about how climate change was really wreaking havoc in the insurance market in Florida. You’ve just done an investigation that takes a look into the insurance markets more broadly and more deeply. Tell us about it.

Yeah, so I cover climate change, in particular the way climate shocks affect different parts of American life. And insurance has become a really big part of that coverage. And Florida is a great example. As hurricanes have gotten worse and more frequent, insurers are paying out more and more money to rebuild people’s homes. And that’s driving up insurance costs and ultimately driving up the cost of owning a home in Florida.

So we’re already seeing that climate impact on the housing market in Florida. My colleagues and I started to think, well, could it be that that kind of disruption is also happening in other states, not just in the obvious coastal states but maybe even through the middle of the US? So we set out to find out just how much it is happening, how much that Florida turmoil has, in fact, become really a contagion that is spreading across the country.

So how did you go about reporting this? I mean, where did you start?

All we knew at the start of this was that there was reason to think this might be a problem. If you just look at how the federal government tracks disasters around the country, there’s been a big increase almost every year in the number and severity of all kinds of disasters around the country. So we thought, OK, it’s worth trying to find out, what does that mean for insurers?

The problem is getting data on the insurance industry is actually really hard. There’s no federal regulation. There’s no government agency you can go to that holds this data. If you talk to the insurers directly, they tend to be a little reluctant to share information about what they’re going through. So we weren’t sure where to go until, finally, we realized the best people to ask are the people whose job it is to gauge the financial health of insurance companies.

Those are rating agencies. In particular, there’s one rating company called AM Best, whose whole purpose is to tell investors how healthy an insurance company is.

Whoa. So this is way down in the nuts and bolts of the US insurance industry.

Right. This is a part of the broader economy that most people would never experience. But we asked them to do something special for us. We said, hey, can you help us find the one number that would tell us reporters just how healthy or unhealthy this insurance market is state by state over time? And it turns out, there is just such a number. It’s called a combined ratio.

OK, plain English?

Plain English, it is the ratio of revenue to costs, how much money these guys take in for homeowner’s insurance and how much they pay out in costs and losses. You want your revenue to be higher than your costs. If not, you’re in trouble.

So what did you find out?

Well, we got that number for every state, going back more than a decade. And what it showed us was our suspicions were right. This market turmoil that we were seeing in Florida and California has indeed been spreading across the country. And in fact, it turns out that in 18 states, last year, the homeowner’s insurance market lost money. And that’s a big jump from 5 or 10 years ago and spells real trouble for insurance and for homeowners and for almost every part of the economy.

So the contagion was real.

Right. This is our first window showing us just how far that contagion had spread. And one of the really striking things about this data was it showed the contagion had spread to places that I wouldn’t have thought of as especially prone to climate shocks — for example, a lot of the Midwest, a lot of the Southeast. In fact, if you think of a map of the country, there was no state between Pennsylvania and the Dakotas that didn’t lose money on homeowner’s insurance last year.

So just huge parts of the middle of the US have become unprofitable for homeowner’s insurance. This market is starting to buckle under the cost of climate change.

And this is all happening really fast. When we did the Florida episode two years ago, it was a completely new phenomenon and really only in Florida. And now it’s everywhere.

Yeah. And that’s exactly what’s so striking here. The rate at which this is becoming, again, a contagion and spreading across the country is just demolishing the expectations of anyone I’ve spoken to. No one thought that this problem would affect so much of the US so quickly.

So in these states, these new places that the contagion has spread to, what exactly is happening that’s causing the insurance companies to fold up shop?

Yeah. Something really particular is happening in a lot of these states. And it’s worth noting how it’s surprised everyone. And what that is, is formally unimportant weather events, like hailstorms or windstorms, those didn’t used to be the kind of thing that would scare insurance companies. Obviously, a big problem if it destroys your home or damages your home. But for insurers, it wasn’t going to wipe them out financially.

Right. It wasn’t just a complete and utter wipeout that the company would then have to pony up a lot of money for.

Exactly. And insurers call them secondary perils, sort of a belittling term, something other than a big deal, like a hurricane.

These minor league weather events.

Right. But those are becoming so frequent and so much more intense that they can cause existential threats for insurance companies. And insurers are now fleeing states not because of hurricanes but because those former things that were small are now big. Hailstorms, wildfires in some places, previous annoyances are becoming real threats to insurers.

Chris, what’s the big picture on what insurers are actually facing? What’s happening out there numbers-wise?

This is a huge threat. In terms of the number of states where this industry is losing money, it’s more than doubled from 10 years ago to basically a third of the country. The amount they’re losing is enormous. In some states, insurers are paying out $1.25 or even $1.50 for every dollar they bring in, in revenue, which is totally unsustainable.

And the result is insurers are making changes. They are pulling back from these markets. They’re hiking premiums. And often, they’re just dropping customers. And that’s where this becomes real, not just for people who surf balance sheets and trade in the stock market. This is becoming real for homeowners around the country, who all of a sudden increasingly can’t get insurance.

So, Chris, what’s the actual implication? I mean, what happens when people in a state can’t get insurance for their homes?

Getting insurance for a home is crucial if you want to sell or buy a home. Most people can’t buy a home without a mortgage. And banks won’t issue a mortgage without home insurance. So if you’ve got a home that insurance company doesn’t want to cover, you got a real problem. You need to find insurance, or that home becomes very close to unsellable.

And as you get fewer buyers, the price goes down. So this doesn’t just hurt people who are paying for these insurance premiums. It hurts people who want to sell their homes. It even could hurt, at some point, whole local economies. If home values fall, governments take in less tax revenue. That means less money for schools and police. It also means people who get hit by disasters and have to rebuild their homes all of a sudden can’t, because their insurance isn’t available anymore. It’s hard to overstate just how big a deal this is.

And is that actually happening, Chris? I mean, are housing markets being dragged down because of this problem with the insurance markets right now?

Anecdotally, we’ve got reports that in places like Florida and Louisiana and maybe in parts of California, the difficulty of getting insurance, the crazy high cost of insurance is starting to depress demand because not everyone can afford to pay these really high costs, even if they have insurance. But what we wanted to focus on with this story was also, OK, we know where this goes eventually. But where is it beginning? What are the places that are just starting to feel these shocks from the insurance market?

And so I called around and asked insurance agents, who are the front lines of this. They’re the ones who are struggling to find insurance for homeowners. And I said, hey, is there one place that I should go if I want to understand what it looks like to homeowners when all of a sudden insurance becomes really expensive or you can’t even find it? And those insurance agents told me, if you want to see what this looks like in real life, go to a little town called Marshalltown in the middle of Iowa.

We’ll be right back.

So, Chris, you went to Marshalltown, Iowa. What did you find?

Even before I got to Marshalltown, I had some idea I was in the right spot. When I landed in Des Moines and went to rent a car, the nice woman at the desk who rented me a car, she said, what are you doing here? I said, I’m here to write a story about people in Iowa who can’t get insurance because of storms. She said, oh, yeah, I know all about that. That’s a big problem here.

Even the rental car lady.

Even the rental car lady knew something was going on. And so I got into my rental car and drove about an hour northeast of Des Moines, through some rolling hills, to this lovely little town of Marshalltown. Marshalltown is a really cute, little Midwestern town with old homes and a beautiful courthouse in the town square. And when I drove through, I couldn’t help noticing all the roofs looked new.

What does that tell you?

Turns out Marshalltown, despite being a pastoral image of Midwestern easy living, was hit by two really bad disasters in recent years — first, a devastating tornado in 2018 and then, in 2020, what’s called a derecho, a straight-line wind event that’s also just enormously damaging. And the result was lots of homes in this small town got severely damaged in a short period of time. And so when you drive down, you see all these new roofs that give you the sense that something’s going on.

So climate had come to Marshalltown?

Exactly. A place that had previously seemed maybe safe from climate change, if there is such a thing, all of a sudden was not. So I found an insurance agent in Marshalltown —

We talked to other agents but haven’t talked to many homeowners.

— named Bobby Shomo. And he invited me to his office early one morning and said, come meet some people. And so I parked on a quiet street outside of his office, across the street from the courthouse, which also had a new roof, and went into his conference room and met a procession of clients who all had versions of the same horror story.

It was more — well more of double.

A huge reduction in coverage with a huge price increase.

Some people had faced big premium hikes.

I’m just a little, small business owner. So every little bit I do feel.

They had so much trouble with their insurance company.

I was with IMT Insurance forever. And then when I moved in 2020, Bobby said they won’t insure a pool.

Some people had gotten dropped.

Where we used to see carriers canceling someone for frequency of three or four or five claims, it’s one or two now.

Some people couldn’t get the coverage they needed. But it was versions of the same tale, which is all of a sudden, having homeowner’s insurance in Marshalltown was really difficult. But I wanted to see if it was bigger than just Marshalltown. So the next day, I got back in my car and drove east to Cedar Rapids, where I met another person having a version of the same problem, a guy named Dave Langston.

Tell me about Dave.

Dave lives in a handsome, modest, little townhouse on a quiet cul-de-sac on a hill at the edge of Cedar Rapids. He’s the president of his homeowners association. There’s 17 homes on this little street. And this is just as far as you could get from a danger zone. It looks as safe as could be. But in January, they got a letter from the company that insures him and his neighbors, saying his policy was being canceled, even though it wasn’t as though they’d just been hit by some giant storm.

So then what was the reason they gave?

They didn’t give a reason. And I think people might not realize, insurers don’t have to give a reason. Insurance policies are year to year. And if your insurance company decides that you’re too much of a risk or your neighborhood is too much of a risk or your state is too much of a risk, they can just leave. They can send you a letter saying, forget it. We’re canceling your insurance. There’s almost no protection people have.

And in this case, the reason was that this insurance company was losing too much money in Iowa and didn’t want to keep on writing homeowner’s insurance in the state. That was the situation that Dave shared with tens of thousands of people across the state that were all getting similar letters.

What made Dave’s situation a little more challenging was that he couldn’t get new insurance. He tried for months through agent after agent after agent. And every company told him the same thing. We won’t cover you. Even though these homes are perfectly safe in a safe part of the state, nobody would say yes. And it took them until basically two days before their insurance policy was going to run out until they finally found new coverage that was far more expensive and far more bare-bones than what they’d had.

But at least it was something.

It was something. But the problem was it wasn’t that good. Under this new policy, if Dave’s street got hit by another big windstorm, the damage from that storm and fixing that damage would wipe out all the savings set aside by these homeowners. The deductible would be crushingly high — $120,000 — to replace those roofs if the worst happened because the insurance money just wouldn’t cover anywhere close to the cost of rebuilding.

He said to me, we didn’t do anything wrong. This is just what insurance looks like today. And today, it’s us in Cedar Rapids. Everyone, though, is going to face a situation like this eventually. And Dave is right. I talked to insurance agents around the country. And they confirmed for me that this kind of a shift towards a new type of insurance, insurance that’s more expensive and doesn’t cover as much and makes it harder to rebuild after a big disaster, it’s becoming more and more common around the country.

So, Chris, if Dave and the people you spoke to in Iowa were really evidence that your hunch was right, that the problem is spreading and rapidly, what are the possible fixes here?

The fix that people seem most hopeful about is this idea that, what if you could reduce the risk and cause there to be less damage in the first place? So what some states are doing is they’re trying to encourage homeowners to spend more money on hardening their home or adding a new roof or, if it’s a wildfire zone, cut back the vegetation, things that can reduce your risk of having really serious losses. And to help pay for that, they’re telling insurers, you’ve got to offer a discount to people who do that.

And everyone who works in this field says, in theory, that’s the right approach. The problem is, number one, hardening a home costs a fantastic amount of money. So doing this at scale is hugely expensive. Number two, it takes a long time to actually get enough homes hardened in this way that you can make a real dent for insurance companies. We’re talking about years or probably decades before that has a real effect, if it ever works.

OK. So that sounds not particularly realistic, given the urgency and the timeline we’re on here. So what else are people looking at?

Option number two is the government gets involved. And instead of most Americans buying home insurance from a private company, they start buying it from government programs that are designed to make sure that people, even in risky places, can still buy insurance. That would be just a gargantuan undertaking. The idea of the government providing homeowner’s insurance because private companies can’t or won’t would lead to one of the biggest government programs that exists, if we could even do it.

So huge change, like the federal government actually trying to write these markets by itself by providing homeowner’s insurance. But is that really feasible?

Well, in some areas, we’re actually already doing it. The government already provides flood insurance because for decades, most private insurers have not wanted to cover flood. It’s too risky. It’s too expensive. But that change, with governments taking over that role, creates a new problem of its own because the government providing flood insurance that you otherwise couldn’t get means people have been building and building in flood-prone areas because they know they can get that guaranteed flood insurance.

Interesting. So that’s a huge new downside. The government would be incentivizing people to move to places that they shouldn’t be.

That’s right. But there’s even one more problem with that approach of using the government to try to solve this problem, which is these costs keep growing. The number of billion-dollar disasters the US experiences every year keeps going up. And at some point, even if the government pays the cost through some sort of subsidized insurance, what happens when that cost is so great that we can no longer afford to pay it? That’s the really hard question that no official can answer.

So that’s pretty doomsday, Chris. Are we looking at the end of insurance?

I think it’s fair to say that we’re looking at the end of insurance as we know it, the end of insurance that means most Americans can rest assured that if they get hit by a disaster, their insurance company will provide enough money they can rebuild. That idea might be going away. And what it shows is maybe the threat of climate change isn’t quite what we thought.

Maybe instead of climate change wrecking communities in the form of a big storm or a wildfire or a flood, maybe even before those things happen, climate change can wreck communities by something as seemingly mundane and even boring as insurance. Maybe the harbinger of doom is not a giant storm but an anodyne letter from your insurance company, saying, we’re sorry to inform you we can no longer cover your home.

Maybe the future of climate change is best seen not by poring over weather data from NOAA but by poring over spreadsheets from rating firms, showing the profitability from insurance companies, and how bit by bit, that money that they’re losing around the country tells its own story. And the story is these shocks are actually already here.

Chris, as always, terrifying to talk to you.

Always a pleasure, Sabrina.

Here’s what else you should know today. On Tuesday, the United Nations has reclassified the number of women and children killed in Gaza, saying that it does not have enough identifying information to know exactly how many of the total dead are women and children. The UN now estimates that about 5,000 women and about 8,000 children have been killed, figures that are about half of what it was previously citing. The UN says the numbers dropped because it is using a more conservative estimate while waiting for information on about 10,000 other dead Gazans who have not yet been identified.

And Mike Johnson, the Speaker of the House, gave a press conference outside the court in Lower Manhattan, where Michael Cohen, the former fixer for Donald Trump, was testifying for a second day, answering questions from Trump’s lawyers. Trump is bound by a gag order. So Johnson joined other stand-ins for the former president to discredit the proceedings. Johnson, one of the most important Republicans in the country, attacked Cohen but also the trial itself, calling it a sham and political theater.

Today’s episode was produced by Nina Feldman, Shannon Lin, and Jessica Cheung. It was edited by MJ Davis Lin, with help from Michael Benoist, contains original music by Dan Powell, Marion Lozano, and Rowan Niemisto, and was engineered by Alyssa Moxley. Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly.

That’s it for “The Daily.” I’m Sabrina Tavernise. See you tomorrow.

• May 21, 2024   •   24:14 The Crypto Comeback
• May 20, 2024   •   31:51 Was the 401(k) a Mistake?
• May 19, 2024   •   33:23 The Sunday Read: ‘Why Did This Guy Put a Song About Me on Spotify?’
• May 17, 2024   •   51:10 The Campus Protesters Explain Themselves
• May 16, 2024   •   30:47 The Make-or-Break Testimony of Michael Cohen
• May 15, 2024   •   27:03 The Possible Collapse of the U.S. Home Insurance System
• May 14, 2024   •   35:20 Voters Want Change. In Our Poll, They See It in Trump.
• May 13, 2024   •   27:46 How Biden Adopted Trump’s Trade War With China
• May 10, 2024   •   27:42 Stormy Daniels Takes the Stand
• May 9, 2024   •   34:42 One Strongman, One Billion Voters, and the Future of India
• May 8, 2024   •   28:28 A Plan to Remake the Middle East
• May 7, 2024   •   27:43 How Changing Ocean Temperatures Could Upend Life on Earth

Hosted by Sabrina Tavernise

Featuring Christopher Flavelle

Produced by Nina Feldman ,  Shannon M. Lin and Jessica Cheung

Edited by MJ Davis Lin

With Michael Benoist

Original music by Dan Powell ,  Marion Lozano and Rowan Niemisto

Engineered by Alyssa Moxley

Listen and follow The Daily Apple Podcasts | Spotify | Amazon Music | YouTube

Across the United States, more frequent extreme weather is starting to cause the home insurance market to buckle, even for those who have paid their premiums dutifully year after year.

Christopher Flavelle, a climate reporter, discusses a Times investigation into one of the most consequential effects of the changes.

On today’s episode

Christopher Flavelle , a climate change reporter for The New York Times.

Background reading

As American insurers bleed cash from climate shocks , homeowners lose.

See how the home insurance crunch affects the market in each state .

Here are four takeaways from The Times’s investigation.

There are a lot of ways to listen to The Daily. Here’s how.

We aim to make transcripts available the next workday after an episode’s publication. You can find them at the top of the page.

Christopher Flavelle contributed reporting.

The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. Davis Lin, Dan Powell, Sydney Harper, Mike Benoist, Liz O. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong, Devon Taylor, Alyssa Moxley, Summer Thomad, Olivia Natt, Daniel Ramirez and Brendan Klinkenberg.

Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Julia Simon, Sofia Milan, Mahima Chablani, Elizabeth Davis-Moorer, Jeffrey Miranda, Renan Borelli, Maddy Masiello, Isabella Anderson and Nina Lassam.

Christopher Flavelle is a Times reporter who writes about how the United States is trying to adapt to the effects of climate change. More about Christopher Flavelle

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