Showing posts with label IBPS 2018. Show all posts
Showing posts with label IBPS 2018. Show all posts

Thursday, May 10, 2018

DAILY DOSE OF EDITORIAL- 10th May, 2018 (Menu Changed)

DAILY DOSE OF EDITORIAL- 10th May, 2018 
(Menu Changed) 



Hi guys, 
how is it going?

I know that your focus is on SBI-PO prelims. But still, you should continue reading. I change the Editorial dose from today so that you can get more opinions, more ideas about the current affairs topic. 

Here you go::


HINDUSTAN TIMES:: CLICK HERE

THE TRIBUNE:: CLICK HERE

BUSINESS STANDARD:: CLICK HERE 




Tuesday, May 8, 2018

PREVIOUS YEAR PAPER For PRACTICE-SBI-PO 2018

PREVIOUS YEAR PAPER For PRACTICE
SBI-PO 2018

"The best way to analyze your preparation is to test yourself with the previous year questions". 

There are a lot of Online Mock Test Series are available nowadays. These are deviating the students from the basic to the hardest level just for the sake of earning more and more money. PRACTICE MAKES US PERFECT, BUT WHAT KIND OF PRACTICE?

The most important thing is to practice the right things at the right time. I will provide you the link of 1 previous year PO papers daily for practice. Set the timer...

Here you go::

Previous year paper for practice: CLICK HERE


USE YOUR FAILURE :) 


ALL THE BEST OF LUCK!!!





Wednesday, May 2, 2018

Daily Dose of Editorial-2nd May, 2018- Reading Comprehension

Daily Dose of Editorial-2nd May 2018
Reading Comprehension 



Hi Guys,

Hope you are taking your daily dose of Editorials. It's time to jump to level-2 now. 
I will provide you more about the current affairs topic daily, and practice sheets for every single topic in the other sections. 

Here is Today's Dose of Editorials::



THE HINDU:: CLICK HERE

THE INDIAN EXPRESS:: CLICK HERE

THE FINANCIAL EXPRESS:: CLICK HERE





Tuesday, May 1, 2018

USE YOUR FAILURE AS YOUR INSPIRATION (IBPS-PO 2018)

 USE YOUR FAILURE AS YOUR INSPIRATION (IBPS-PO 2018)

Hi GUYS!!!e

ITs been one long month from the result day (1st April 2018)

I still remember the day, I was so happy just waiting to confirm that I am IN.

BUT

I  got failure :(

So, I was disappointed because I have not an iota of doubt in my mind that I could fail in my final results.

But no setback, no negative thoughts, no bad label affects, no distraction at all.

I moved on with a great tool in my toolbox; My FAILURE

I want to use this for not only myself but for all those failures who have the ability, who deserve the SUCCESS in their lives.

I am here to motivate you guys daily, like a dose.  I am with you. I will provide the right source at the right time.


Hope you like this blog :)


Saturday, April 28, 2018

REASONING PUZZLES- HIGH LEVEL FOR MAINS-PRACTICE PDF

REASONING PUZZLES- HIGH LEVEL
PRACTICE PDF 


Hi Guys!!!

Hope you are enjoying your hard work. 

Puzzle Solving is one the scariest topic for most of you as it kills time. And the biggest threat is that we still not competent enough to find the correct answer.

The only TOOL to solve Puzzles is "PATIENCE". 

YES!!! PATIENCE, You have to be patient if you want to get it right and fast. 

This is the virtue of stable mind. 


 STAY MOTIVATED AND PLAY HARDER...










101 HIGH-LEVEL PUZZLES:: CLICK HERE


Monday, April 23, 2018

IBPS-PO 2018- Motivational Update- This is your time- DO IT.

IBPS-PO 2018 
Motivational Update
This is your time- DO IT

Hi guys,

I failed the final round of IBPS-PO VII. I was shocked; I expect good marks in interview. It was good and I was ready with my "success story" to be published on BA page. 

I was so happy and waiting for the 1st of April. OH!!! 

I FAIL...

And I land here; with you. I want to prepare harder this time but not alone. I want to share every single resource for free with you here. I want to provide you the best practice worksheet for IBPS-PO 2018. 

I hope most of you have qualified their prelims and even mains, so it's time to revise smartly. 



Don't overthink!!! USE your FAILURE as your IMAGINATION...

useyourfailure




Sunday, April 22, 2018

Current Affairs- General Awareness Section- Your Plus point for IBPS -PO

Current Affairs- General Awareness Section

-Your Plus point for IBPS -PO 


Hi guys,
Hope you are working very hard for your dreams. 

The current Affair Section is the most scoring section in IBPS-PO Mains exam. 
You can use it as your major strength. This is something you should get habitual to. The information about the things around us. 

A banker deals in money; and money left no field behind. Everything has something with "money" today. So, A banker should at least know every little thing around the Globe...


The current affairs section is not a subject, it is the information flowing around us. It is not confined to any book or magazine, it's dynamic. 

You should try to flow with it, don't let yourself bounded with any timetable or book for this section. JUST FLOW WITH IT...

HERE is something vital to your current affair section, You should not skip it. 

Apart from Bankers Adda and useyourfailure.blogspot.in; visit the following site as you visit your Facebook profile frequently. Feel it and flow with it. 

PRESS INFORMATION BUREAU:: CLICK HERE 


Monthly Policy review (March 2018):: CLICK HERE 

PM India Website:: CLICK HERE 

RBI WEbsite:: CLICK HERE 




Just remember one thing, "Dream Big, and do anything for them". This is your time. No matter what other thinks, no matter what labels they put on you, no matter how the situation is. 

Go for it...

GO GET IT  (PERIOD)





CLOZE TEST- ENGLISH SECTION PRACTICE-IBPS-PO

CLOZE TEST- ENGLISH SECTION PRACTICE

IBPS-PO







Directions (1-13): In the following passage, there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

Actually every day we all are engaged in this business of ‘reading’ people. We do it (1) We want to figure others out. So we (2) make guesses about what others think, value, want and feel and we do so based on our (3) beliefs and understandings about human nature. We do so because if we can figure out (4) and intentions of others the possibility of them (5) or hurting us, (6) and this will help us to (7) a lot of unnecessary pain and trouble. We also make second-guesses about what they will do in future, how they will (8) if we make this or that response. We do all this second guessing based upon our (9) of what we believe about the person’s inner nature (10) his or her roles and manners.

We mind-read their (11) motives also every day we misguess and misread. Why? because of the complexity, (12) and multidimensional functioning of people. After all how well do you 'read' your own thoughts, aims, values, motives, beliefs, etc. How well do you know your own structuring process your own thinking and (13) styles?

1.

(a) vehemently

(b) practically

(c) actually

(d) incessantly

(e) virtually

2.

(a) ably

(b) constantly

(c) partly

(d) largely

(e) positively

3.

(a) futuristic

(b) proactive

(c) reactive

(d) decorative

(e) assumptive

4.

(a) manifestations

(b) expressions

(c) motives

(d) hopes

(e) prospects

5.

(a) tricking

(b) blaming

(c) furthering

(d) alarming

(e) criticising

6.

(a) lessens

(b) happens

(c) questions

(d) deepens

(e) laments



7.

(a) approach

(b) direct

(c) avoid

(d) implement

(e) prepare

8.

(a) solve

(b) apply

(c) plan

(d) approach

(e) respond

9.

(a) projection

(b) exhibition

(c) situation

(d) prediction

(e) attribution

10.

(a) organizing

(b) underneath

(c) appreciating

(d) proposing

(e) outside

11.

(a) cunning

(b) visible

(c) deeper

(d) obvious

(e) proposed

12.

(a) abnormality

(b) angularity

(c) focus

(d) layeredness

(e) contribution

13.

(a) proposing

(b) developing

(c) upbringing

(d) lamenting

(e) emoting

SOLUTIONS:


1. (d) incessantly
2. (b) constantly
3. (e) assumptive
4. (c) motives
5. (b) blaming
6. (a) lessens
7. (c) avoid
8. (e) respond
9. (d) prediction
10. (a) organizing
11. (c) deeper
12. (d) layeredness
13. (e) emoting

Directions (14-23): In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word
in each case.

After ten years of (14) inflation, prices have spiked 7.5% in the third week of July. This looks scary-after all, Indians had got used to prices crawling up by 2% in the last two years,
and a 10-year average inflation rate of about 5%-but you shouldn't worry. This burst of inflation is the result of three factors that have come together unexpectedly, are unlikely to (15) for long and are unlikely to (16) up together again A (17) rise in global oil prices, a monsoon that arrived late and a spike in global metal prices. North Sea crude has crossed $42 per barrel, driven up by low petroleum (18) and soaring demand in the US as war production heats up. Oil markets are also spooked by the (19) of Russian oil supplies falling on the back of the Yukos-Sibneft probe. There's little that the government can do to (20) users from soaring oil prices-indeed, it shouldn't, if it wants to (21) efficiency. Higher transport costs have pushed up rates of vegetables and fruits; farm produce could also get affected by rains that arrived too late for Kharif sowing.

China is (22) up steel and other metals from all over the world to (23) a construction boom ahead of the 2008 Olympics, making metal prices soar all over the world, and sparking inflation in India.
14.

(a) mere

(b) moderate

(c) retarding

(d) vehement

(e) dull

15.

(a) obstinate

(b) constitute

(c) persist

(d) repeat

(e) normalize

16.

(a) go

(b) scramble

(c) mount

(d) yield

(e) crop

17.

(a) sustained

(b) suspicious

(c) horrific

(d) erratic

(e) favourable

18.

(a) lists

(b) trades

(c) services

(d) inventories

(e) details

19.

(a) prospect

(b) progress

(c) view

(d) extent

(e) deposit

20.

(a) support

(b) ignore

(c) propel

(d) prolong

(e) insulate

21.

(a) position

(b) promote

(c) process

(d) pass

(e) form

22.

(a) hurrying

(b) passing

(c) pairing

(d) gobbling

(e) throwing

23.

(a) keep

(b) make

(c) feed

(d) grow

(e) fight

SOLUTIONS:


14. (b) moderate
15. (c) persist
16. (e) crop
17. (c) horrific
18. (b) trades
19. (c) view
20. (e) insulate
21. (b) promote
22. (d) gobbling
23. (b) make


Saturday, April 21, 2018

Daily dose of Editorial - 21st April - Reading Comprehension


Daily Dose of Editorial - 21st April
Reading Comprehension


Hi Future bankers,

Here is your daily dose of editorial, go for it...

READ IT
ANALYZE IT 
AND WRITE IT...



The Hindu:: CLICK HERE

The Indian Express:: CLICK HERE

The Financial Express:: CLICK HERE



Friday, April 20, 2018

NOUN- ENGLISH SECTION-PRACTICE SHEET (SPOT THE ERROR)



NOUN- ENGLISH SECTION

PRACTICE SHEET (SPOT THE ERROR)


Types of Noun

1. PROPER NOUN – special words (names) that we use for a person, place or organization

2. COMMON NOUN- man, girl, cat, table, fish, love, pride, phone

3. COLLECTIVE NOUN- class, army, board, council, school

4. ABSTRACT NOUN- that you can’t sense, it’s the name given to an emotion or idea.

5. COUNTABLE NOUN-one cow, two books, three boys

6. UNCOUNTABLE NOUN- work, news, mail, coffee, information

7. POSSESSIVE NOUN- Apostrophe (‘s)




1. It had (a) /all begun (b) / in brightly lit room as I dreamily ran (c) / my fingers over the surface (d)/ of a globe. No error (e)

2.The angry at being (a)/ left out of the bonanza (b) / is palpable among (c) / employees of the organisation. (d) / No error(e)

3. The city needs an airport (a) / that can efficiently manage (b)/ a constantly flow of (c) / passengers and flights. (d) / No Error (e)

4. He had telephoned yesterday to (a)/ ask how much of the youth (b) / who attend our classes would be (c)/ interested in working for a textile company. (d)/ No error (e)

5. In 60’s Beatless, with (a) / their haircuts, clothes and joking (b)/ drew (c)/ crowds of shrieking teenagers (d) / All correct (e).

6. While (a) / a strong defend (b) / is important to any country it cannot be more important than the livelihood (c) /of its citizens (d)/ All correct (e).

7. Without a doubt, (a) / Ahmed is the most (b) / sincere of all the (c) /student in the class. (d)/ No error. (e)

8. I saw only (a)/ five police who (b)/ were running after (c)/ the bank robbers. (d)/ No Error (e)

9. He gave me (a)/ two important informations (b)/ I had been waiting for (c)/ the previous two Months (d)/ No Error (e)

10. These type of books (a)/ are certainly helpful to the students (b)/ preparing for the banking service (c)/ Examinations. (d)/ No Error (e)

11.“I have never seen (a)/ such as lovely spectacles (b)/ in my life”, said (c)/ the passer-by. (d)/ No Error (e)

12. When he returned (a)/ from America, he informed me (b)/ that he had come here (c)/ to do urgent work. (d)/ No error (e)

13. I do my best (a)/ but I don’t understand (b)/ why I do not get expected (c)/ marks in the examination. (d)/ No error (e)

14. The pretty woman (a)/ sitting in the car (b)/ is the daughter of one of (c)/ the headman of the village. (d)/ No error (e)

15. You will not be (a)/ allowed to go (b)/ anywhere else to (c)/ play outdoor games. (d)/ No error (e)

16. The beautiful surrounding (a)/ of the palace (b)/ attracted a large number of (c)/ tourists coming from abroad. (d)/ No error (e)

17. He did not know (a)/ that the headquarter (b)/ of the army (c)/ was in Delhi. (d)/ No error (e)

18. Liberalization of economy (a)/ has given birth to (b)/ many uncommon (c)/ phenomenon in the society.(d)/ No error (5e)

19. Thousands of young (a)/ protesters were standing (b)/ at Jantar Mantar and (c)/ supporting Anna Hazare. (d)/ No error (e)

20. It is very difficult (a)/ to chase (b)/ a huge score in the (c)/ fourth inning. (d)/ No error (e)

21. He gave me (a)/ a five-rupees note (b)/ and asked me to get (c)/ him a few cigarettes. (d)/ No error (e)

22. I trust you will (a)/ show forbearance to me (b)/ a few minutes more (c)/ so that I can finish this work. (d)/ No error (e)/

23. I went to the temple (a)/ with my parents, aunts (b)/and cousin sisters. (c)/ No error (d)

24. The manager put forward (a) /a number of criterions (b) /for the post. (c)/ No error (d)

25.I like (a)/ the poetries (b)/ of Byron and Shelly. (c)/ No error (d)

26. No porter being available (a)/ he carried (b)/ all his luggages himself. (c)/ No error (d)

27. The table’s legs (a)/ have been (b)/ elaborately carved. (c)/ No error (d)

28. He told me that (a)/ it was (b)/ his friend’s Shankar’s house.(c)/ No error (d)

29. The astronomer (a)/who predicts the future (b)/ has arrived.(c)/ No error (d)

30. According to economics (a)/ not more than five per cent (b)/ of education loans taken (c)/ by student are overdue. (d)/ No error (e)

31. Santosh live (a)/ by the principals (b)/ he professes. (c)/ No error (d)

32. All the evidences were (a)/ against him and he was (b)/ held guilty. (c)/ No error (d)

33. There should be(a)/ no furnitures (b)/ in my room .(c)/ No error (d)

34. She immediately quit (a)/ the job in which (b)/ neither the skill nor (c)/ knowledge were required. (d)/ No error.(e)

35. That house(a)/ is built of (b)/ stones.

(c)/ No error (d)

36. The Cattle in the meadow (a)/ was terrified to hear (b)/ the roar of a lion which appeared to be wild with anger.(c)/ No error (d)

37. The committee (a)/could not come to (b)/ a final conclusion.(c)/ No error (d)

38. When we reach the fair(a)/ we found that there (b)/ was no place to stand.(c)/ No error (d)

39.Alms(a)/ are given (b)/ to the poors (c)/ of Jammu and Kashmir . (d)/ No error (e)

40. A strong breeze(a)/ blew his(b)/ cap off. (c)/ No error (d)

41. He had telephoned yesterday to (a)/ ask how much of the youth (b)/ who attend our classes would be (c)/ interested in working for a textile company.(d)/ No error (e)

42. Last week’s sharp hike in the wholsale price of beef (a)/ is a strong indication for (b)/ higher meat costs to come.(c)/ No error (d)

43. He was advised to take(a)/ two spoonsful of (b)/ medicine threee times a day .(c) /No error (d)

44. One of the firmest belief among the Hindus is that (a)/ Karma affects their (b) /life and also the life after death .(c)/ No error (d)

45. Whenever he goes to Mumbai (a)/ he stays in (b)/ five-stars hotels (c)/ No error (d)

46. Lasers are (a)/ indispensable tools (b)/ for the delicate eyes surgery.(c)/ No error (d)

47. The company has ordered (a)/ some (b)/ new equipments .(c)/ No error (d)

48. The driver showed (a)/ great talent in keeping (b)/ the damaged car under control. (c)/ No error (d)

49. It is a big blunder (a)/ but we had (b)/ to ignore it .(c)/ No error (d)

50. The police have received (a)/ two important informations (b)/ that can help them to solve the triple murder case.(c)/ No error(d)

SOLUTIONS:

1. (d) Here, surface (noun) should be used.

2. (a) Here, a Noun i.e. The anger at being …. should be used .

Look at the sentences:

He was filled with anger.(Noun)

Hundreds of angry demonstrator filled the square.(Adjective)

3. (c) An adjective qualifies a noun. Hence, a constant (Adjective) flow (Noun) ….Should be used.

4. (b) Before countable Nouns/Pronouns, ‘how many’ should be used. Hence, replace ‘ask how much of the youth’ by ‘ask how many of the youths’.

5. (b) Noun should be ‘jokes’ not joking used.

6. (b) Noun is needed; so ‘defend’ (verb) should be replaced by ‘defence’.

7. (d) Countable Noun/Pronoun after ‘all ‘ is plural. Hence, replace ‘student in the class’ by ‘students in the class’.

8. (b) Substitute policeman for police (the police uncountable noun but police man countable noun)

9.(b) Substitute information for informations (information is singular uncountable noun and a/an never used before singular uncountable noun).

10.(a) Substitute types for type (these, those, certain etc. are adjective its come after plural noun)

11.(b) Substitute spectacle for spectacles (here spectacle means scenes which singular uncountable noun. e.g. what a beautiful spectacle! = what a beautiful sight)

12. (e) No error

13.(e) No error

14.(d) Replace “headman” with “headmen”.

15.(e) No error

16. (a) Replace “surrounding” with “surroundings”

17. (b) Replace “headquarter” with “headquarters”

18. (d)Replace “phenomenon” with “phenomena”

19. (a) Replace “thousand” with “thousands”

20. (d) Replace “inning” with “innings”.

21. (b) Replace “rupees” with “rupee”

22. (b) In place of forbearance to, we should use forbearance towards.

Forbearance (Noun) means patient self-control; tolerance: show forbearance towards somebody; exercise forbearance in dealing with people.

23.(c) Change ‘cousin sisters’ into ‘cousin’.

24.(b) ‘Criteria’ is plural of ‘criterion’.

25. (b) ‘Poetry’ is an uncountable noun. Hence it is singular and it does not have any plural form.

25. (b) Change ‘luggages’ into ‘luggage’. It is an uncountable noun. Hence it must be in singular form.

26. (c) ‘Table’s legs should be changed into ‘legs of table’. ‘s’ is generally not used with non-living things.

27. (a) Change ‘friend’s’ into ‘friend’. Double apostrophe can’t be used in a sentence.

28. (c) Change ‘astronomer’ into ‘astrologer’. ‘Astrologer’ is one who predicts future.

29.(a) Here, ‘loans’ is Noun. An adjective qualifies a Noun. Hence, use ‘educational’ (Adjective) in place of the word ‘education (Noun)’.

30.(c) Change ‘principals’ into ‘principles’.

31. (b)‘Evidence’ is uncountable noun . It has no plural form . Use singular verb ‘was’.

32. (a)‘Furniture’ has no plural form. Remove ‘s’.

33. (b) When we use Neither … nor, the verb agrees with the number/ person of the noun/ pronoun used after ‘ nor’.

34. (d)Hence, knowledge was required ….will be correct usage.

35. (c) Change ‘stones’ into ‘stone’.

36. (b) ‘Cattle is plural noun. Change ‘was’ into ‘were’.

37.(c) Remove ‘final’. ‘Conclusion’ is always final.

38.(c) Use ‘No room’. ‘Room’ means enough empty space for people or things to be fitted in

39.(c) Change ‘the poors’ into ‘The poor’. ‘The poor’ means the deprived class.

40. (a) ‘Breeze’ is gentle. ‘strong wind’ is the appropriate word here.

41.(b) Before countable Nouns/Pronouns, ‘how many’ should be used. Hence, replace ‘ ask how much of the youth ‘ by ‘ask how many of the youths’.

42. (c) Change ‘costs’ into ‘cost’. Cost as a noun is uncountable and it has no plural form.

43. (b) Use ‘ spoonfuls’ .

44. (a) The ‘ Noun’ that comes after ‘one of the ‘ must be plural. ‘one of the firmst beliefs ‘ is the correct form.

45. (c) ‘Five-star’ is a hyphenated noun which is not used in plural form.

46. (c) ‘Eyes surgery ‘ should be changed into ‘ eye surgery’. ‘Eyes’ noun when used as an adjective should not be used in plural form.

47. (c) ‘Equipment’ is an uncountable noun and has no plural form.

48. (b) Change ‘talent’ into ‘skill’. ‘Talent’ is the natural ability to do something . ‘skill’ requires special training and knowledge.

49. (a) ‘Blunder’ means ‘big mistake’. Hence ‘big blunder’ is superfluous.

50. (b) ‘Information’ is an uncountable noun. To make it countable and plural uses ‘pieces of information’.



Wednesday, April 18, 2018

PRONOUN- ENGLISH SECTION-IBPS-PO 2018

PRONOUN- ENGLISH SECTION
IBPS-PO 2018 


  • Subjective (Nominative)
  • Objective
  • Possessive adjectives


(I , WE , YOU, HE ,SHE,IT ,They) –Subjective-

(Me, Us, YOU, HIM, HER, IT, THEM) –Objective-

(My, mine, our, ours, your, yours, his, it , its, their) –Possessive-



As-As (positive sense)

So-As (negative sense)

RULES:

Order ranking of Personal pronoun:

Singular case à 2 3 1

(Nominative Pronoun)

Plural Caseà 1 2 3

Admitting a mistake (Singular or plural)

Sentence in a negative sense


We always use an objective pronoun after preposition.

There is no conflict between you and me.

We always use a nominative pronoun after As –As, So –As, then

When the comparison between two


HE IS BETTER THEN ME (I)

HE LIKES YOU MORE THAN I (ME)

HE EARNS MORE THAN I (ME)

HE RUNS AS FAST AS I.

When a sentence starts with to be form of verb (is, am, are, was, were ) then nominative pronoun is used.

IT IS HIM HE WHO IS RESPONSIBLE FOR THE LOSS.

THIS PROBLEM CAN BE RESOLVED BETWEEN YOU AND I ME.

Objective case is used after except.

Nobody will come to your rescue except I me.

Distributive pronoun-

Each, Every à More than 2

Either, Neither à 2

None à More than 2

Neither of these two principles has been looking after the problem well.

Reciprocal Pronoun-

Each other à 2

One –anotherà more than 2

They saved themselves by helping each other (one another).

Personal Pronoun-

One must be cautious of one’s dressing.

Every man should respect his parents.

The personal pronoun should be used according to its antecedent.

Reflexive Pronoun-

Myself, himself, herself, themselves

The action is done by the subject turn back upon the subject

She cut herself while peeling the fruits.

Avail –absented-enjoyed-apply- we use a reflexive pronoun after these verbs.

Keep-bath-make-stop-steal-hide-are used intransitively hence don’t use a reflexive pronoun.

Don’t use the reflexive pronoun in place of the personal pronoun.



Demonstrative Pronoun-

This that these, those



Relative Pronoun-

Refer to some noun going before is called its antecedent.

Who which what where how



Who –living

Which –non living

I know Meera who has just gone.
Which book is the bestseller in this row?



EXCEPTION: ‘Which’ is used for living when choice is made

The mother knows which of her children is hungry?



Like all, the same, only, none, anybody, nothing, little, somebody – Use ‘that’ with these words.



HE IS THE SAME BOY THAT I SAW AT THE AIRPOT.

KITE IS THE WORST MOVIE THAT I EVER SAW.















Whose- object

Whom- subject

Who –H.V/M.V.






EXAMPLE:

1. The man (1)/ who they thought (2)/ to be a gentleman (3)/ is a rogue. (4)/ No Error (5)

Ans. (2) Replace who with whom

2. This is (1)/ one of the best suggestions (2)/ which have ever been (3)/ made by you. (4)/ No Error (5)

Ans. (3) Replace which with that

3. This is (1)/ the only one of his comments (2)/ that (3)/ deserve our attention. (4)/ No Error (5)

Ans. (4) Replace deserve with deserves

4. This is (1)/ not such treatment (2)/ that (3)/ I expected. (4)/ No Error (5)

Ans. (3) Replace that with as

5. A woman can do (1)/ everything (2)/ what a man (3)/ can do. (4)/ No Error (5)

Ans. (3) Replace what with that

6. I hate (1)/ everybody and everything who (2)/ reminds me (3)/ of my mistake. (4)/ No Error (5)

Ans. (2) Replace who with which

7. The terrorist (1)/ which was chained (2)/ grumble at the D.S.P. (3)/ who was taking him to prison. (4)/ No Error (5)

Ans. (2) Replace which with who

8. This is the same (1)/ dog which barked (2)/ at my son but fortunately did not (3)/ bite him.

Ans. (2) Replace which with that

9. He (1)/ bought a house (2)/ the price of which (3)/ was five lakh rupees. (4)/ No Error (5)

Ans. (5) No Error

10. Don’t respect (1)/ such persons (2)/ who have no respect (3)/ for elders. (4)/ No Error (5)

Ans. (3) Replace who with as

11. Your state (1)/ is rich (2)/ but mine (3)/ is poor. (4)/ No Error (5)

Ans. (5) Sentence is correct

12. The Director of (1)/ Directorate of Distance Education (2)/ has given its consent (3)/ to join the meeting. (4)/ No Error (5)

Ans. (3) Replace its with his

13. The principal (1)/ as well as the teachers (2)/ absented themselves (3)/ from the office. (4)/ No Error (5)

Ans. (3) Replace themselves with himself

14. As a teacher of (1)/ Mathematics (2)/ you are far better (3)/ than him.(4)/ No Error (5)

Ans. (4) Replace him with he

15. Ours are (1)/ the same problem (2)/ that (3)/ yours. (4)/ No Error (5)

Ans. (3) Replace that with as

16. The educational institutions (1)/ of Patna are more (2)/ expensive than (3)/ that of Darbhanga. (4)/ No Error (5)

Ans. (4) Replace that of with those of

17. Zakir lent me some (1)/ rupees on the condition (2)/ that I should return the same (3)/ before September. (4)/ No Error (5)

Ans. (3) Replace the same with it

18. He says (1)/ it is his problems (2)/ but you say it is (3)/ your also. (4)/ No Error (5)

Ans. (4) Replace your with yours

19. The hotels of (1)/ Kolkata are (2)/ cheaper than (3)/ Patna. (4)/ No Error (5)

Ans. (4) Insert those of before Patna

20. Each member (1)/ and each worker (2)/ has given (3)/ their consent. (4)/ No Error (5)

Ans. (4) Replace their with his









Financial Awareness- Foreign Direct Investment -IBPS -PO


Financial Awareness- Foreign Direct Investment 
IBPS -PO




Foreign Direct Investment (FDI)
Foreign Direct Investment is a direct investment that involves the injection of foreign funds into production or business in a country by an individual or company of another country.

Foreign Portfolio Investment (FPI)

Foreign Portfolio Investment is a direct investment but investment in only financial assets such as stocks, bonds etc. of a company located in another country. In contrast to FDI, a portfolio investment is an investment made by an investor who is not involved in the management and day-to-day business of a company.

Benefits of FDI:

(a) Improves forex position of the country

(b) Employment generation and increase in production

(c) Help in capital formation by bringing fresh capital

(d) Helps in transfer of new technologies, management skills, intellectual property

(e) Increases competition within the local market and this brings higher efficiencies

(f) Helps in increasing exports, Increases tax revenue



FDI in INDIA
A foreign company planning to set up business operations in India may:
Incorporate a company under the Companies Act, 1956, as a Joint Venture or a Wholly Owned Subsidiary.
Set up a Representative Office or a Project Office or a Branch Office of the foreign company which can undertake activities permitted under the Foreign Exchange Management (Establishment in India of Branch Office or Other Place of Business) Regulations, 2000. 



FDI

FPI


Investment in productive assets (whose value increase over time) like plant and machinery for a business

Investment in financial assets like stocks, bonds, mutual funds, etc.


Investment gives investors ownership right as well as the management right

Investment gives investors only ownership right and not the management right


Engage in the decision making of a firm

Not involved in decision making


Investors enter a country with long-term approach

Investors can plan for long but often have short-term plans


So investors cannot depart from the country easily

Investors can easily depart from the country


Investment is greater than 10%

Investment is less than 10%




The routes under which foreign investment can be made:
Automatic Route: Foreign Investment is allowed under the automatic route without prior approval of the Government or the Reserve Bank of India.
Government Route: Foreign investment in activities not covered under the automatic route requires prior approval of the Government which is considered by the Foreign Investment Promotion Board (FIPB), Department of Economic Affairs, and Ministry of Finance.



Foreign investment is prohibited in the following sectors:



1. Lottery Business including Government / private lottery, online lotteries, etc.

2. Gambling and Betting including casinos etc.

3. Chit funds

4. Real Estate Business or Construction of Farm Houses

5. Manufacturing of Cigars, cheroots and tobacco substitutes.

6. Atomic energy and Railway operations.



Tuesday, April 17, 2018

National Income- FINANCIAL AWARENESS -IBPS-PO


NATIONAL INCOME
 FINANCIAL AWARENESS
IBPS-PO

National Income

1949- National Income Committee (P. C. Maharan Obis)

1954- Total Income –Re. 8000 Crore.


The monetary value of all goods and services during an FY is National Income

Money

Income Method

Expenditure Method

Value Added Method (Product Method)

Primary Sector -Agriculture

Secondary - Manufacturing

Tertiary – Services

1. Gross-Depreciation NET

2. Factory Cost + Income Tax –Subsidiary = Market Cost

3. Domestic + NFIA = National

4. NFIA ( Net Factor Income From Abroad)

NFIA = Factor Income from Abroad – Factor Income paid to NRI

GDP = NDP ( if Depreciation = 0)

GDP = GNP ( if NFIA =0)

GDPfc = GDPmp ( if IT= Subsidy)



GDP -Gross Domestic Production – is money value of all the final goods and services produces in domestic territory of a country during a year.

GDPmp = NNPfc

GDPmp – Depreciation + NFIA –IT + Subsidy

NDP (Net Domestic Product)

NDP = NNP ( Net National Product)

NDP +NFIA = NNP

GDP-Depreciation = NDP

NNPfc + IT – Subsidy = NNPmp

National Income

There are three methods of measuring National Income.
Value Added Method (Product Method)
Income Method
Expenditure Method

Value Added Method: Value added method measures the contribution of each producing enterprise in the domestic territory of the country.

This method involves the following steps:

(a) Identifying the producing enterprise and classifying them into industrial sectors according to their activities.

(b) Estimating net value added by each producing enterprise as well as each industrial sector and adding up the net value added by all the sectors.

All the producing enterprises are broadly classified into three main sectors namely:

(1) Primary sector-Agriculture and Allied Activities

(2) Secondary sector- Manufacturing Units

(3) Tertiary sector -Services like banking, insurance, transport and communications, trade and professions.

Income Method:

Different factors of production pool their services for carrying out production activities. These factors of production, in return, are paid for their services in the form of factor incomes.

Thus labour gets wages, land gets rent, capital gets interest and entrepreneur gets profits. In other words, whatever is produced by a producing unit is distributed among the factors of production for their services and aggregate of factor incomes of all the factors of production of all the producing units form the subject matter of calculation of national income by income method.

Expenditure Method
:

The various sectors - household sector, business sector and government sector either spend their incomes on consumer goods and services or save a part of their incomes or we can say that they spend a part of their incomes on non-consumption goods (or capital goods). Total expenditure in an economy consists of expenditure on financial assets, on goods produced in preceding periods, on raw materials and intermediate goods and services and on final goods and services produced in the current period.

Gross national expenditure = Consumption expenditure + net domestic investment + net foreign investment + replacement expenditure (i.e., expenditure on replacement investment).

Net national expenditure = Consumption expenditure + net domestic investment + net foreign investment.

The income of a nation can be calculated by four different ways.
GDP – Gross Domestic Product
NDP – Net Domestic Product
GNP – Gross National Product
NNP – Net National Product

Gross Domestic Product (GDP):

Gross domestic product is the money value of all final goods and services produced in the domestic territory of a country during an accounting year. The concept of domestic territory has a special meaning in national income accounting. Domestic Territory is defined to include the following:
Territory lying within the political frontiers, including territorial waters of the country.
Ships and aircrafts operated by the residents of the country between two or more countries.
Embassies, consulates and military establishments of the country located abroad.

GDP at Factor Cost and GDP at Market Price:

The contribution of each producing unit to the current flow of goods and services is known as the net value added. GDP at factor cost is estimated as the sum of net value added by the different producing units and the consumption of fixed capital. Since the net value added gets distributed as income to the owners of factors of production, we can also estimate GDP as the sum of domestic factor incomes and consumption of fixed capital.




In brief GDPFC = GDPMP – IT + S

where IT = Indirect Taxes

S = Subsidies

Net Domestic Product:




While calculating GDP no provision is made for depreciation allowance (also called capital consumption allowance). In such a situation gross domestic product will not reveal the complete flow of goods and services through various sectors. It is a matter of common knowledge that capital goods like machines, equipment, tools, buildings, tractors etc., get depreciated during the process of production. After some time these capital goods need replacement.


NDP = GDP - depreciation

Gross National Product (GNP):
It has already been seen that whatever is produced within the domestic territory of a country in a year is its gross domestic product. It, however, includes, the contribution made by non-resident producers by way of wages, rent, interest and profits. The non-residents work in the domestic territory of some other country and earn factor incomes. For example, Indian residents go abroad to work. Indian banks are functioning abroad. Indians own property in foreign countries.




GNP = GDP + NFIA (where NFIA is the net factor income from abroad)

NFIA (Net Factor Income from Abroad) = Income from Abroad – Income of Foreigners inside the country

Net National Product (NNP):
It can be derived by subtracting depreciation allowance from GNP. It can also be found out by adding the net factor income from abroad to the net domestic product.

Symbolically, NNP = GNP –Depreciation

NNP = NDP + NFIA

NFIA (Net Factor Income from Abroad) = Income from Abroad – Income of Foreigners inside the country

If NFIA is positive i.e., the inflow of factor income from abroad is more than the outflow, NNP will be more than NDP

If NFIA is negative, NNP will be less than NDP and it would be equal to NDP in case the net factor income from abroad is zero.

Important Points: 

1st National Income estimation in 1886 by Dadabhai Nauroji.
After independence for the period of 1948-51, National Income estimate was provided by National Income committee headed by P.C Mahalanobis.
Since 1951, N.I estimation is done by Central Statistical Organisation (CSO) Established in 1950.
CSO presents N.I estimation every year which is also known as National Accounts Statistics (NAS). 

For this purpose, CSO divides the economy is several parts.
GDPFC = GDPMP – IT + S
NDP = GDP - depreciation
GNP = GDP + NFIA (where NFIA is the net factor income from abroad)
NFIA (Net Factor Income from Abroad) = Income from Abroad – Income of Foreigners inside the country
NNP = GNP –Depreciation
NNP = NDP + NFIA 




DREAM BIG AND WORK HARD 


Monday, April 16, 2018

REARRANGEMENT (PARA JUMBLES) - ENGLISH SECTION-IBPS PO

REARRANGEMENT (PARA JUMBLES)
ENGLISH SECTION
IBPS PO


english section-IBPS-PO 

Directions (1-5): Rearrange the following six sentences A, B, C, D, E, and F in the proper sequence so as to form a meaningful paragraph and then answer the questions given below them.

(A) It was further revived: by a Boston publishing firm, and from that time Mother Goose continued and grew in fame and interest till date.
(B) The first collection of verses under her name was published in London in book form by John Newbery.
(C) These were known long before they were designated as Mother Goose rhymes.
(D) Some rhymes can be traced to popular ballads, folk songs, and games, political satire, ancient proverbs, cries of street vendors,
(E) About twenty-five years later the book was reprinted in the United States in Worcester, Massachusetts.
(F) In fact, until the eighteenth century, Mother Goose did not have a name in print in English literature.


Q1. Which of the following will be the LAST sentence?
(a) A
(b) B
(c) C
(d) D
(e)E

Q2. Which of the following will be the FOURTH sentence?
(a) F
(b) E
(c) D
(d) C
(e) B

Q3. Which of the following will be the FIFTH sentence?
(a) F
(b) E
(c) D
(d) C
(e) B

Q4. Which of the following will be the FIRST sentence?
(a) A
(b) B
(c) C
(d) D
(e)E

Q5. Which of the following will be the SECOND sentence?
(a)A
(b) B
(c) C
(d) D
(e)E

SOLUTIONS:  DCFBEA



Directions (6-10): Rearrange the following five sentences (A), (B), (C), (D) and (E) in the proper sequence so as to form a meaningful paragraph; then answer the questions given below them.

(A) The basic justification of this scrutiny is to divest unrestricted investments from certain low priority area.

(B) The Govt. has decided in principle to throw open to the private sector which is reserved for

(C) Only those industries are proposed to be reserved for the unrestricted sector, which falls in the high priority areas.

(D) In addition, the government is also occupied in an analysis of the existing range of unrestricted investment.

(E) This will enable the government to abolish the monopoly of any sector in the field of public services except these priority sectors.

Q6. Which sentence should come LAST in the paragraph?
(a) A
(b) B
(c) C
(d) D
(e) E

Q7. Which sentence should come THIRD in the paragraph?
(a) A
(b) B
(c) C
(d) D
(e) E

Q8. Which sentence should come FOURTH in the paragraph?
(a) A
(b) B
(c) C
(d) D
(e) E

Q9. Which sentence should come FIRST in the paragraph?
(a) A
(b) B
(c) C
(d) D
(e) E

Q10. Which sentence should come SECOND in the paragraph?
(a) A
(b) B
(c) C
(d) D
(e) E


SOLUTIONS: BCEDA


Directions (11-15): Rearrange the following six sentences (A). (B),(C), (D), (E) and (F) in the proper sequence to form a” meaningful paragraph; then answer the questions given below them.

(A) To propose the idea of becoming perfected is not the same as saying that we human beings can be perfect.

(B) It only means that we are capable of learning, changing and growing throughout the span of our earthly life.

(C) Learning is a process that begins at birth and lasts until death.
(D) This development through understanding new things, transforming and developing throughout may be considered as the’ perfection of the soul.
(E) Given that we are here to continually learn on the journey 'Of life, it seems that the ultimate goal of learning is the perfection of our souls
(F) Nor that we should be perfect in everything.

Q11. Which of the following should be the SECOND statement after rearrangement?
(a) A
(b) B
(c) C
(d) D
(5)E

Q12. Which of the following should be the FIRST statement after rearrangement?
(a) A
(b) B
(c) C
(d) D
(5) E

Q13. Which of the following should be the FIFTH statement after rearrangement?
(a) A
(b) B
(c) C
(d) D
(5) E

Q14. Which of the following should be SIXTH (last) statement after rearrangement?
(a) A
(b) B
(c) C
(d) D
(5) E

Q15. Which of the following should be the THIRD statement after rearrangement?
(a) A
(b) B
(c) C
(d) D
(5) E 

SOLUTIONS: CEAFBD