POST PREFERENCE FOR SSC CGL -READ CAREFULLY BEFORE YOU APPLY GET UNLIMITED KNOWLEDGE

=======================================
Read it carefully before otping your Post Choice in SSC CGL-2014

1. Assistant CSS

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ALLIGATIONS AND MIXTURES IBPS PO EXAM PREPARATION:GET UNLIMITED KNOWLEDGE

Reasoning and Quantitative Aptitude Alligation or Mixture

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List of Important International and National Days - IBPS Exam and Other Competitive Exam

DaysCelebrated in the world and India

January 1: New Year’s Day

January 4: Myanmar Independence Day

January 12 : National Youth Day.

January 15 :Army Day.

January 26 :India's Republic Day and International Customs day.

January 30 :Martyrs' Day

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Bank Exam Preparation Guide: How to score high in English section of IBPS and bank exaM

10 TIPS TO IMPROVE ENGLISH

Hi guys,
Firstly theres no short cuts for improving engish. You can only improve English
gradually ie step by step ,but nt in a week or month………..
To improve ur english first thing which u need to do is changing ur lifestyle and attitude
towards the language. The first thing to improve english for people who r w

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IMPORTANT WEBSITES FOR SSC EXAMINATION GET UNLIMITED KNOWLEDGE:

Edit

FEW USEFUL WEBSITE

Here are a few links on the topics mentioned.These,I hope,will help u in making ur OWN NOTES !

NATIONAL ACTION PLAN ON CLIMATE CHANGE:  http://www.indg.in/rural-energy/environment/national-action-plan-on-climate-change

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SSC PREPARATION GUIDE : BUDDHISM

Introduction to Buddhism

Buddhism, one of the major world religions, began in India around
the sixth century, B.C.E. The teachings of Buddhism spread
throughout Central and Southeast Asia, through China, Korea, and
Japan. Today, there are Buddhists all over the world.
THE LEGEND OF SHAKYAMUNI
According to Buddhist tradition, Shakyamuni (a name meaning
“Sage of the Shakya Clan”) is the founder of Buddhism (he is also
sometimes referred to as “Siddhartha Gautama”). Shakyamuni was

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GUIDE FOR SSC PREPARATION ANTI DEFECTION LAW

ANTI-DEFECTION LAW

 The 52nd Amendment act of 1985 provided for the disqualification of the members of Parliament and the state legislatures on the ground of defection from one political party to another. For this purpose, it made changes in four Articles of the Constitution and added a new schedule (the Tenth schedule) to the Constitution. This act is often referred to as the „anti-defection law‟. Later, the 91st Amendment Act of 2003 made one change in the provisions of the Tenth Schedule. It omitted an exception provision i.e., disqualification on ground of defection not to apply in case of split.

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SSC PREPARATION GUIDE DIRECTIVE PRINCIPLES OF STATE POLICY AND FUNDAMENTAL DUTIES

DIRECTIVE PRINCIPLES OF
STATE POLICY AND
FUNDAMENTAL DUTIES

he Constitution of India aims to establish not only political democracy but also socioeconomic
justice to the people to establish a welfare state. With this purpose in mind, our
Constitution lays down desirable principle and guidelines in Part IV. These provisions are
known as the Directive Principle of State Policy. In this lesson we will study about Directive
Principles in detail.

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SSC PREPARATION GUIDE FUNDAMENTAL RIGHTS

FUNDAMENTAL RIGHTS

People in democractic conutries enjoy certain rights, which are protected by judicial
system of the country concerned. Their violation, even by the State, is not allowed by the
courts. India respects the rights of the people, which are listed in our Constitution, under
the heading “Fundamental Rights”. In lesson, a mention has been made of the Fundamental
Rights as one of the salient features of the Constitution. In this lesson, we will discuss in
detail various Fundamental Rights which are incorporated in chapler III of the Constitution.
Objectives
After studying this lesson you will be able to
l explain the meaning and importance of Fundamental Rights;
l highlight that the dignity of an individual is protected and safe guarded through
Fundamental Rights;
l recognise that the enforcement of Fundamental Rights is ensured through High Courts
and the Supreme Court;
l explain the Right to Equality;
l recognise the rationale behind protective discrimination in favour of Scheduled Castes
and Scheduled Tribes and other backward classes(OBCs);
l describe as well as appreciate the Right to Freedom;
l recall the safeguards against deprivation of life and personal liberty except according
to the procedure established by law;
l explain the Right against Exploitation;
l appreciate the Right to Freedom of Religion;
l explain Cultural and Educational Rights;
l identify the right to Constitutional Remedies;
l recall the value of writs that may be issued for the protection of Fundamental Rights;
and
P
MODULE - 2
Notes
59
Fundamental Rights
Aspects of the
Constitution of India
l appreciate the Constitutional limitations on the enjoyment of Fundamental Rights.
6.1 Meaning And Importance Of Fundamental Rights
The rights, which are enshrined in the Constitution, are called ‘Fundamental Rights’. These
rights ensure the fullest physical, mental and moral development of every citizen. They
include those basic freedoms and conditions which alone can make life worth living.
Fundamental Rights generate a feeling of security amongst the minorities in the country.
They establish the framework of ‘democratic legitimacy’ for the rule of the majority. No
democracy can function in the absence of basic rights such as freedom of speech and
expression.
Fundamental Rights provide standards of conduct, citizenship, justice and fair play. They
serve as a check on the government. Various social, religious, economic and political
problems in our country make Fundamental Rights important. In our Constitution,
Fundamental Rights are enumerated in Part III from Article 14 to 32. These rights are
justiciable.
Justiciable: Justiciable means that if these rights are violated by the government or
anyone else, the individual has the right to approach the Supreme Court or High
Courts for the protection of his/her Fundamental Rights.
Our Constitution does not permit the legislature and the executive to curb these rights
either by law or by an executive order. The Supreme Court or the High Courts can set
aside any law that is found to be infringing or abridging the Fundamental Rights. You will
read about it in detail in the lesson on ‘Judiciary’. Some of the Fundamental Rights are also
enjoyed by foreigners, for example, the Right to Equality before Law and Right to Freedom
of Religion are enjoyed by both i.e. citizens as well as foreigners. The Fundamental Rights
though justiciable are not absolute. The Constitution empowers the government to impose
certain restrictions on the enjoyment of our rights in the interest of public good.
Seven Fundamental Rights were enshrined in the Constitution of India. However the Right
to Property was removed from the list of Fundamental Rights by the 44th Amendment Act
of the Constitution in the year 1976. Since then, it has been made a legal right. There are
now six Fundamental Rights.
The Fundamental Rights are: -
1. Right to Equality
2. Right to Freedom
3. Right against Exploitation
4. Right to Freedom of Religion
5. Cultural and Educational Rights, and
6. Right to Constitutional Remedies.
Recently by the 86th Amendment Act, the Right to Education has been included in the list
of Fundamental Rights as part of the Right to Freedom by adding Article 21(A).
We will now study these rights one by one.
MODULE - 2
Notes
60
Political Science
Aspects of the
Constitution of India Intext Questions 6.1
Fill in the blanks selecting appropriate words/figures given in the brackets.
1. Right to Property was removed from the list of Fundamental Rights by ___________
Amendment Act of the Constitution(42nd/43rd/44th).
2. The Rights are given in Part III of the Constitution and are termed as _____________
Rights (Legal/Economic/Fundamental).
6.2 Right To Equality
Right to Equality means that all citizens enjoy equal privileges and opportunities. It protects
the citizens against any discrimination by the State on the basis of religion, caste, race,
sex, or place of birth. Right to Equality includes five types of equalities.
6.2.1 Equality Before Law
According to the Constitution, “The State shall not deny to any person equality before law
or equal protection of laws within the territory of India”.
‘Equality before law’ means that no person is above law and all are equal before law,
every individual has equal access to the courts. ‘Equal protection of laws’ means that if
two persons belonging to two different communities commit the same crime, both of them
will get the same punishment.
6.2.2 No Discrimnation on Grounds of Religion, Race, Caste,
Sex, Place of Birth or any of them
No citizen shall be denied access to shops, restaurants and places of public entertainment.
Neither shall any one be denied the use of wells, tanks, bathing ghats, roads etc. maintained
wholly or partly out of State funds. However, the State is empowered to make special
provisions for women, children and for the uplift of Scheduled Castes, Scheduled Tribes
and other backward classes (OBC’s). The State can reserve seats for these categories in
educational institutions, grant fee concessions or arrange special coaching classes.
6.2.3 Equality Of Opportunity In Matters Of Public Employment
Our Constitution guarantees equality of opportunity in matters relating to employment or
appointment to public services to all citizens. There shall be no discrimination on the basis
of religion, race, caste, sex, place of birth or residence in matters relating to employment
in public services. Merit will be the basis of employment. However, certain limitations
have been provided to the enjoyment of these rights.
6.2.4 Abolition of Untouchability
The Constitution abolishes untouchability and its practice in any form is forbidden.
Action in the box are considered as offences when committed on the grounds of
untouchability.
MODULE - 2
Notes
61
Fundamental Rights
Aspects of the
Constitution of India
refusing admission to any person to the public institutions;
preventing any person from worshipping in place of public worship;
insulting a member of Scheduled Caste on the grounds of untouchability;
preaching untouchability directly or indirectly.
6.2.5 Abolition of Titles
All titles national or foreign which create artificial distinctions in social status amongst the
people have been abolished.
This provision has been included in the Constitution to do away with the titles like ‘Rai
Sahib’, ‘Rai Bahadur’ have been conferred by the British on a few Indians as a reward
for their effective co-operation to the colonial regime. The practice of conferring titles like
this is against the doctrine of equality before law. To recognise the meritorious service
rendered by individual citizens to the country or mankind, the President of India can confer
civil and military awards on those individuals for their services and achievements such as;
Bharat Ratna, Padma Vibhushan, Padam Sri, Param Veer Chakra, Veer Chakra etc., but
these cannot be used on ‘titles’.
Intext Questions 6.2
Fill in the blanks:
1. Right to Equality aims at an end to......................discrimination (moral/social/political).
2. Right to Equality has............................kinds of equalities (3/4/5).
3. Right to...........................provides for the abolition of untouchability (equality / freedom
/ religion).
4. State can make............................ provisions for women and children against
exploitation (general/special/ordinary).
5. Right to Equality aims at establishing.......................equality. (social/moral/political)
6.3 Right To Freedom
Freedom is the basic characteristic of a true democracy. Our Constitution guarantees to
the citizens of India a set of six freedoms described as the “Right to Freedom”.
6.3.1 Six Fundamental Freedoms
The Constitution guarantees the following six Fundamental Freedoms:
(i) Freedom of speech and expression.
(ii) Freedom to assemble peacefully without arms.
(iii) Freedom to form associations or unions.
(iv) Freedom to move freely throughout the territory of India.
MODULE - 2
Notes
62
Political Science
Aspects of the
Constitution of India
(v) Freedom to reside and settle in any part of the territory of India.
(vi) Freedom to practise any profession or to carry on any occupation, trade or business.
Let us study these freedoms one by one briefly.
(I) Freedom of Speech And Expression
It is an important freedom. This freedom ensures free and frank speech, discussion and
exchange of opinions. It includes the freedom of the press. However these freedom like
freedom of speech and expression are not absolute. The state is empowered to impose
reasonable restrictions on the exercise of this right in the interest of security of the state,
public order, morality etc.
These freedoms can be suspended during the State of National Emergency. As soon
as the State of National Emergency is declared under Article 352, the abovementioned
freedoms except the right to life and liberty, automatically remain suspended
as long as the State of National Emergency continues. All these freedoms get restored
as soon as the proclamation of National Emergency is lifted.
6.3.2 Protection in Respect of Conviction for An Offence
This Constitutional provision assures protection against arbitrary arrest and excessive
punishment to any person who is alleged to have committed an offence. No person shall
be punished except for the violation of law which is in force when the crime was committed.
An accused cannot be compelled to be a witness against himself/herself.
No person shall be punished for the same offence more than once.
6.3.3 Protection of Life and Personal Liberty
The Constitution lays down that no person shall be deprived of his/her life or personal
liberty except according to the procedure established by law. It guarantees that life or
personal liberty shall not be taken away without the sanction of law. It ensures that no
person can be punished or imprisoned merely at the whims of some authority. He/she may
be punished only for the violation of the law.
6.3.4 Prevention against Arbitrary Arrest and Detention
Our Constitution guarantees certain rights to the arrested person. As per the provision, no
person can be arrested and/or be detained in custody without being informed of the grounds
for detention. He /she has the right to consult and be defended by a lawyer of his/her
choice. The accused has to be produced before the nearest magistrate within a period of
twenty-four hours of arrest.
These safeguards however are not available to foreigners as well as to those citizens
detained under Preventive Detention Act.
Preventive Detention: When the State feels that a person is likely to commit
crime or is a threat to the security of the State, he/she may be detained without trial
for a limited period. However, no person can be kept under detention for more than
three months until permitted by an Advisory Board consisting of persons who are
qualified to be appointed as judges of the High Courts. Such a board is presided over
by a sitting judge of a High Court.
MODULE - 2
Notes
63
Fundamental Rights
Aspects of the
Constitution of India
6.3.5 Right to Education
By the 86th Amendment Act of the Constitution a new article 21-A has been added after
Article 21. By this Amendment Act, Right to Education has been made a Fundamental
Right and has been deleted from the list of Directive Principles of State Policy. According
to it, “The State shall provide free and compulsory education to all children of the age of
six to fourteen in such a manner as the State may by law determine”. It further states that
it is the responsibility of the parent or guardian to provide opportunities for education to
their child or ward between the age of six to fourteen years.
Intext Questions 6.3
Each question has four options. Select the correct option by putting a tick (ü )
against one of the options:
1. The number of freedoms guaranteed under the Right to Freedom is :
a) 5
b) 6
c) 7
d) 8
2. Any person arrested by the police shall have to be produced before the nearest
magistrate within a period of :
a) 12 hours
b) 24 hours
c) 36 hours
d) 48 hours
3. A person arrested under Preventive Detention can be kept in Jail without trial for a
maximum period of :
a) three months
b) six months
c) twelve months
d) eighteen months
4. Right to education has been made a Fundamental Right by ………….Amendment
Act of the Constitution (84th /86th/ 88th )
6.4 Right against Explotation
The people of India were exploited not only by the British but also by the money lenders
and zamindars. This system was called forced labour. Right against exploitation prohibits
MODULE - 2
Notes
64
Political Science
Aspects of the
Constitution of India
all forms of forced labour as well as traffic in human beings . The violation of this provision
is an offence punishable under law. The state require citizens services in times of major
calamities such as floods, forestfire, foreign aggression etc.
Our Constitution also provides safeguards for children. It bans the employment of children
below the age of fourteen years in any factory , mine or hazardous occupations.
Traffic in human beings means sale and purchase of human beings as goods and
commodities for immoral purposes such as slavery and prostitution
Intext Question 6.4
Fill in the blanks selecting appropriate words/figures given in the brackets:
1. Employment of children in factories below the age of ——————— is prohibited
by law (14/16/18)
Right to Freedom of Religion
India is a multireligious state. Besides Hindus, there are Muslims, Sikhs, Christians and
many others residing in our country. The Constitution guarantees to every person freedom
of conscience and the right to practice and propagate any religion.
It also permits every religious group, the right to manage its own affairs in matters of
religion. Every religious sect has the right to establish and maintain in stitutions for religious
and charitable purposes. Each religious group is also free to purchase and manage
its movable and immovable property in accordance with law, for the propagation of its
religion.
Our Constitution lays down that no religious education can be imparted in any educational
institution which is wholly maintained out of the state funds. This restriction does not apply
to those educational institutions which are not wholly maintained out of State funds. But,
even in those institutions, no child can be compelled to receive religious instructions against
his /her wishes.
Right to Freedom of Religion is not absolute. It can be restricted on the grounds of public
order, morality and health. The state shall not impose restrictions arbitrarily .
Intext Questions 6.5
Fill in the blanks with the suitable words/figures given in brackets:
1. Religion is the concern of the ——————in a secular state. (Individual /Society/
State)
2. No——————education can be imparted in any educational institution wholly
maintained out of state funds. (moral/religious/none of the two)
MODULE - 2
Notes
65
Fundamental Rights
Aspects of the
Constitution of India
6.6 Cultural and Educational Rights
India is a vast country with diversity of culture, Script and languages. People take pride in
their own language and culture.
Our constitution provides necessary guarantees to preserve maintain and promote their
culture and language. The Constitution allows minorities to establish and maintains
educational institutions of their own. It also provides that the state shall not discriminate
against any educational institution while granting financial aid on the grounds that it is being
run by a minority community.
These rights ensure that minorities will be given assistance by the state in the preservation
of their language and culture. The Ideal before the state is to preserve and propagate the
composite culture of the country.
6.7 Right To Constitutional Remedies
After reading about all the Fundamental Rights, a question may arise in your mind : what
can an individual do if one or more of his or her Fundamental Rights are encroached upon
by the State?
Part III of our Constitution provides for legal remedies for the protection of these rights
against their violation by the State or other institutions/individuals. It entitles the citizens of
India to move the Supreme Court or High Courts for the enforcement of these rights. The
State is forbidden from making any law that may be in conflict with the Fundamentals
Rights.
The Constitution empowers the Supreme Court and High Courts to issue orders or writs
as mentioned in the box given below.
HABEAS CORPUS; (Latin term) It is an order by the court to the state to produce
the person physically before it justify the confinement or release of the person.
MANDAMUS: (Latin term) It is a command or an order from a superior court to a
subordinate court or tribunal or public authority to perform its duty in case it is not
doing it.
PROHIBITION: It is an order issued by the Superior Court to forbid a subordinate
court or tribunal from proceeding with a case which is beyond its jurisdiction.
QUO WARRANTO: This writ is issued to restrain a person from acting in a public
office to which he /she is not entitled.
CERTIORARI : The term certiorari means “to be informed of what is going”. It is
an order to a lower court from a superior court to transfer the matter to it or to any
other court for deciding the matter.
These writs go a long way in protecting the rights of the individuals against encroachment
by the legislature, the executive or any other authority. If the Fundamental Rights are the
cornerstone of our democracy, then the Right to Constitutional Remedies is the soul of the
part III of the Constitutions.
You will read more about these writs in the lesson no.12.
MODULE - 2
Notes
66
Political Science
Aspects of the
Constitution of India Intext Questions 6.6
Fill in the blanks by selecting appropriate words/figures given in the brackets:
1. Religious or linguistic ——————————————can establish their own
educational institutions. (minorities/majority)
2. In India writs are issued by——————————————Courts. (lower/
subordinate/high)
3. The direction of the court to the detaining authority to produce the person before
it is the writ of———————————— (Mandamus/prohibition/habeas corpus)
4. The writ to restrain a person from acting in a public office to which he /she is not
entitled is known as ——————————————(quo warrato/Certiorari/
Mandamus)
5. An order to a lower court to transfer the case to another court for its proper
consideration in called the writ of ———————————. (Habeas Corpus/
Prohibition/Certiorari)
What You Have Learnt
Fundamental Rights have been incorporated in part III of our Constitution from article 14-
32. These rights protect and safeguard the dignity and status of the citizens. These rights
are justiciable i.e. are enforceable by the court of law. At present there are six Fundamental
Rights. Recently by an Amendment Act of the Constitution, Right to Education has been
added.
These Rights are not absolute, reasonable restrictions can be imposed on these rights in
the interest of peace, national defence, morality, comman good and good relations with
other countries. The first right that comes under Fundamental Rights is the Right to Equality.
Under the Constitution, all are equal before law and the state can not discriminate between
citizens on the basis of religion, race, sex, place of birth or any of them. Uuntouchability
has been abolished and made an offence punishable by law. The state has been forbidden
from conferring honorary titles on citizens that create social disparities.
Right to Freedom has been granted for the all round development of the body, mind and
spirit of all the citizens. It provides six freedoms to citizens. This Right helps protection of
life and personal liberty. It also protects the individual from arbitrary arrest and detention.
Our Constitutions prohibits traffic in human beings and forced labour. Employment of
children below the age of fourteen years in mines, factories and hazardous jobs is banned.
India is a multi religious country. Our Constitution neither promotes nor interferes in their
religious affairs. India believes in secularism. Every religious community is free to establish,
maintain and run its own religious institutions. Every citizen has been granted freedom to
profess and propagate his/her religion.
Cultural and Educational rights provide the right to conserve our culture. Educational
institutions maintained by the state on getting financial aid from the state cannot refuse
MODULE - 2
Notes
67
Fundamental Rights
Aspects of the
Constitution of India
admission to children on the grounds of religion, race, caste, language or any of them. The
minorities have been given the right to establish and manage institutions of their own for
the preservation and propagation of their language and culture. While giving financial aid to
any institution, the state will not discriminate on the basis of religion or language.
Lastly the Constitution guarantees enjoyment of Fundamental Rights by citizens under the
Right to Constitutional Remedies. The Supreme Court and High Courts have been given
powers to issue orders, directions and writs for the enforcement of Fundamental Rights .
Dr. B.R Ambedkar has rightly called the writs as the “ Soul of the part III of the Constitution”:
Terminal Exercises
1. Explain the importance of Fundamental Rights as provided in the Constitution.
2. Mention any three aspects of right to equality.
3. Describe six Fundamental Freedoms granted under the Right to Freedom.
4. Explain the Right against Exploitation.
5. How does the Right to Freedom of Religion help in establishing a secular polity in
India? Explain.
6. What is writ? Who has the power to issue the writs?
7. Explain the statement that Fundamental Rights are justiciable.
8. Describe all the provisions of Right to Freedom.
9. Mention Right to Education as incorporated in the Constitution by 86th Amendment
Act.
Answers to Intext Questions
6.1
1. 44th
2. Fundamental
6.2
1. Social
2. 5
3. Equality
4. Special
5. Social
6.3
1. b
MODULE - 2
Notes
68
Political Science
Aspects of the
Constitution of India
2. b.
3. a
4. 86th
6.4
1. 14.
6.5
1. Individual
2. Religious
6.6
1. Minority
2. High Court
3. Habeas Corpus
4. Quo-Warranto
5. Certiorari
Hints for Terminal Expercises
1. Refer to section 6.1
2. Refer to section 6.2
3. Refer to section 6.3.1
4. Refer to section 6.4
5. Refer to section 6.5
6. Refer to section 6.7
7. Refer to section 6.1
8. Refer to section 6.3
9. Refer to section 6.3.5

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GET UNLIMITED KNOWLEDGE: UNION BUDGET 2014-15 - CHIDAMBARAM -IBPS BANK EXAM PREPARATION

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Budget 2014: Highlights

Finance minister P Chidambaram has rejected the charge of policy paralysis as he presented his interim Union Budget in Parliament on Monday. Here are the highlights of the vote on account 2014.

* Fiscal deficit for current fiscal to be 4.6%

* Revenue deficit estimated at 3% for current fiscal

* 140m people lifted out of poverty in last 10 years

* Excise duty on SUVs cut from 30 to 24%, in large and mid-segment cars from 27-24% to 24-20%

* Excise duty on small cars, motorcycles and commercial vehicles cut from 12% to 8%; appropriate cut to be done on chassis, trailers




* A Rs 100 crore scheme formulated to promote community radio stations: Chidambaram
* RBI must strike a balance between growth and moderating inflation, Chidambaram says

* We must focus on manufacturing, specially manufacturing for exports: Chidambaram

* I am disappointed that we could not introduce GST: Chidambaram

* No changes in tax laws in interim budget

* Govt has obtained information in 67 cases of illegal offshore accounts of Indians: Chidambaram

* Excise duty cut from 12 to 10 per cent in capital goods sector to stimulate growth

* Excise duty on mobile handset to be 6% on CENVAT credit to encourage domestic production

* Excise duty on small cars, motorcycles and SUVs reduced

* Service tax relief storage for warehousing for rice

* Blood banks to be exempt from service tax
* Rs 500 crore estimated requirement for implementing one-rank-one-pay scheme for armed forces in 2014-15

* Rs 6000 crore to rural housing fund, Rs 2000 crore for urban housing fund

* Minority bank accounts have swelled to 43,53,000 by 2013-14 from 14,15,000 bank accounts 10 years ago

* Rs 3711 crore for minority affairs; housing and urban poverty alleviation gets Rs 6000 crore

* Social justice ministry gets Rs 6730 crore; panchayati raj ministry Rs 7000 crore

* Moratorium on interest on student loans taken before March 31, 2009; to benefit 9 lakh borrowers

* Public Debt Management Bill ready

* Fiscal deficit target of 3% to be achieved by 2017

* Fiscal deficit to be contained at 4.6% of GDP in 2013-14.

* CAD will be $45 billion in 2013-14

* Foreign exchange reserves up by $15 billion

* Foodgrain production estimated at 263 million tons in 2013-14

* Agriculture credit will cross $45 billion against $41 billion in 2012-13

* 296 projects worth Rs 6,60,000 crore cleared by Cabinet Committee on Investment by end January 2014

* Merchandise export to grow by 6.8% to $326 billion

* 3 more industrial corridors — Chennai-Bangalore, Bangalore-Mumbai, Amritsar-Kolkata — under various stages of implementation

* GDP growth rate in Q3 and Q4 of 2013-14 will be at least 5.2%

* Declining fiscal deficit, moderation of CAD, stable exchange rate and increase in project implementation result of hardwork

* Power capacity rises to 234,600 MW in 10 years

* Expenditure on education has risen from Rs 10,145 crore 10 years ago to Rs 79,251 crore this year

* Sugar decontrol, gradual correction of diesel prices, application for new bank licenses, sick electricity distribution companies restructured

* Average growth under UPA's ten year rule was 6.2 per cent against 5.9 during NDA period of 1999-2004

* Average growth under UPA-I was 8.4 per cent and UPA-II 6.6 per cent

* PSUs to achieve record capex of Rs 2,57,645 crore in 2013-14

* 500 MW fast breeder nuclear reaction in Kalpakkam to be ready shortly; 7 nuclear power reactors under construction

* National Solar Mission to undertake 4 ultra mega solar power projects in 2014-15

* Rs 1,200 crore additional assistance to N-E states to be released before end of the year

* Rs 1,000 crore grant for Nirbhaya Fund will be non-lapsable; another Rs 1,000 crore to be given next fiscal

* Rs 3,370 crore to transferred to 2.1 crore LPG users

* Govt committed to Aadhaar-based LPG transfer but scheme on hold temporarily

* Aadhaar is tool for empowerment

* Non-plan expenditure to exceed by a small amount in 2013-14

* 500 MW fast breeder test reactor in Kalpakkam to be ready shortly; 7 nuclear power reactors under construction

* Plan expenditure will be Rs 5,55,322 crore in 2014-15, unchanged from last fiscal

* Budgetary support to railways increased from Rs 26,000 crore to Rs 29,000 crore 2014-15

* Rs 2,46,397 crore allocated for food, fertilizer and fuel subsidy

* Food subsidy will be Rs 1,15,000 crore for implementation of National Food Security Act

* Defence allocation increased by 10 per cent to Rs 2.24 lakh crore






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PRIORITY SECTOR ,SECONDARY AND TERTIARY SECTOR GROWTH RATE

ALL BANK RATES LIKE CRR ,SLR,PLR, MLR, BASE RATE , REPO , REVERSE REPO

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ALL NATIONALIZED BANKS SALARIES LIST-DIFFERENT BANKS SALARIES COLLECTION

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ALL NATIONALIZED BANKS SALARY LIST FOR PO CANDIDATES



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JUST THINK ABOUT ENVIRONMENT MANAGEMENT CULTURE AND O FOR IT ALL IT MATTERS IN SALARY

IS JUST TWO TO THREE THOUSAND AND BUT ONCE IF YOU LOOSE PEACE YOU CANNOT BUY
IT FOR SAME TWO OR THREE THOUSAND LIFE LONG THIN









OK THINK BEFORE YOU JOIN YOUR ORGANIZATION

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STUDY PLAN FOR IBPS PO/MT , CLERK, BANK EXAMS, TIPS AND QUANTITATIVE APTITUDE TIPS AND TRICKS, MATHS, DATA INTERPRETATION , SPEED MATHS GET UNLIMITED KNOWLEDGE

HAPPY READING

I KNOW YOU ARE DAMN INTELLIGENT THAN ME..

SO EVERYONE WILL HAVE THEIR OWN SCOPE OF PLANNING .THEY SHOULD HAVE TO


PLAN ACCORDINGLY TIME TABLE WISE.




SUPPOSE FOR GK SECTION WE ALWAYS YOU NEED TO KNOW CURRENT AFFAIRS WELL 6 MONTHS IN ADVANCE LEAVING 20 DAYS BEFORE EXAMINATION DAYS.






SO FOR MATHEMATICS , ENGLISH PRACTICE SECTION YOU CAN ALWAYS

REFER KIRAN PRAKASAN PUBLICATIONS AND BOOKS.


FOR GK YOU CAN PREFER GKTODAY.IN


AND IN IBPS THEY INCLUDES


GENERAL BANKING SOCIO AND ECONOMIC AWARENESS SECTION


FOR THIS SECTION YOU CAN SEE

MONEY BANKING AND FINANCE BY N.K.SINHA

AND YOU CAN FOLLOW MATERIAL NOTES OF GKTODAY WEBSITE



SO WHEN YOU PREPARE FOR ANY SECTION 1ST COMPLETE YOUR HARD SECTION

CLEARING ALL YOUR DOUBTS AND COME TO WEAK SECTION


MANY PEOPLE I HAVE SEEN NEGLECTING TOUGHEST SECTIONS LIKE ENGLISH

AND PREPARING ONLY MATHS. SO DON'T DO SUCH MISTAKES

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EMATERIAL BOOKLETS FOR DOWNLOAD

HAPPY READING
                      

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IBPS CWE PO/MT HOW TO STUDY ADVANTAGES OF GROUP STUDY

HAPPY READING

AS WE ALL KNOW UNITY IS


STRENGTH . IF WE ALL COME

 AND STUDY AT A PLACE THERE

 ARE MANY ADVANTAGES.















"LETS DISCUSS ONE BY ONE"


1. THOUGHTS WILL BE SHARED

2.WE COME TO KNOW WAY OF THINKING

3.THE MORE WE SHARE THE MORE KNOWLEDGE WE GET

4.KNOWLEDGE IS SHARED

5.GROUP STUDY INCULCATES INTEREST IN YOURSELF TO ACHIEVE GOAL BY SEEING OTHERS

SO FRIENDS THINK OF IT ONCE . THE REAL EXAMPLE WHICH I WILL SAYWHEN YOU DONT KNOW SOMETHING OR WHICH YOU KNOW LEAST TRY TO EXPLAIN IT TO YOUR FRIENDS SO THAT YOU WILL REMEMBER MORE AND BE CONFIDENT IN THAT . WHEN YOU JOIN IN A INSTITUTE YOU WILL GET COMPETITIVE SPIRIT AND WHEN YOUR FRIEND GET SELECTED IN ANY POST . YOUR HEART STARTS THINKING AND AS A HUMAN BELIEF YOU SEE THINGS HAPPENING SO YOU WILL START WORKING HARD AND YOU WILL GET SUCCESS.WHEN YOU JOIN IN ANY INSTITUTE YOUR PROBLEM OR DOUBTS WILL BE EASILY SOLVED WITH MANY PEOPLE LIKE YOU.SO ALWAYS OPT FOR GROUP STUDY RATHER  THAN SINGLE AND TAKE BREAKS WHILE YOU STUDY THIS IS VERY IMPORTANT.

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IBPS CWE PO/MT HOW TO PREPARE FOR ENGLISH SECTION

HAPPY READING

I KNOW GUYS WHEN YOU

START READING ENGLISH

OR PREPARING FOR MATHS

YOU GUYS WILL SLEEP.


SO ITS PRETTY INTRESTING

I SAY YOU SOME FACTS

OR TIPS AND TRICKS YOU

CAN DO IT ....

I CALL MY LEARNING WAY

OF THINGS IS

"ENJOY WHILE YOU LEARN"

NOW YOU THINK ABOUT ONE WORD EVERYONE

SAYS "ENJOY YOUR WORK "

THEN ONLY YOU CAN DO

IT.




FRIENDS I AM TOTALLY DIFFERENT ,

 DIFFERENT IN MY WAY, DIFFERENT IN MY THINKING AND

DIFFERENT IN DOING THINGS..


WHAT I SAY IS ENJOY FULL AND LEARN... NO ONE UNDERSTOOD RIGHT I SAY

ENJOY AND ALSO WORK FOR YOUR EXAM..LET ME GO IN BRIEF..............


WHEN YOU PREPARE FOR

• MATHEMATICS

YOU CAN LISTEN TO SOME

 SLOW MUSIC OR SOME 

PEOPLE LIKE LOVE SONGS SO 

SIMPLY WHILE DOING MATHS 

YOU CAN TUNE TO BEST 

SONGS ..YOU KNOW IT REALLY HELPS YOU BETTER IN DOING THINGS.

LIKE WHENEVER YOU LISTEN TO SOME OF YOUR BEST  SONGS YOU WILL BE EXCITED 

FEEL HAPPY AND ALSO GET EMOTIONALIZED WHICH YOU DON'T KNOW WHILE 

PREPARING. IF YOU DO ANYTHING IN HAPPY MOOD I AM DAM SURE YOU ARE GOING TO GET SOME GOOD IDEAS AND IT CREATES LOT OF INTEREST IN YOU AND AFTER SOME TIME YOU SWITCH OFF YOUR MUSIC AND YOU YOURSELVES PREPARE HARD AS YOU GET MORE INTEREST HERE AND I SAID YOU SWITCH OFF YOUR MUSIC RIGHT..

I SAID ENJOY AND WORK AND NOW I SAID YOU WILL SWITCH OFF WHY BECAUSE 

AFTER GOOD INTEREST IN DOING THINGS WE WILL GET  GOOD DOUBTS AND WE FEEL TO THINK HIGH TO DO THAT SUM SO WE SWITCH OFF MUSIC FOR A MOMENT.

HOW TO PREPARE FOR 

• ENGLISH

SEE I DON'T KNOW ANY RULES AND REGULATIONS AND ANYTHING ABOUT ENGLISH

WHAT I DID IS JUST PRACTICING.

SEE:(WHAT BOOKS TO PRACTICE FOR WHAT SUBJECT)

HOW TO PRACTICE ENGLISH TO GET GOOD KNOWLEDGE:

IF YOU SUPPOSE PRACTICING TOPIC SENTENCE CORRECTION IN ENGLISH JUST GO ON

PRACTICING ONLY SENTENCE CORRECTIONS IN ALL MODEL PAPERS .. IF YOU GO ON

PRACTICING SOME PARTICULAR TOPIC FOR PARTICULAR TIME YOU WILL BECOME

MASTER IN THAT.

YOU CAN BUY KIRAN PRAKASAN PUBLICATIONS WHICH GIVES GOOD EXPLANATIONS

FOR ENGLISH PART SO WHEN YOU PRACTICE ENGLISH OR MATHS OR ANY SUBJECT


REMEMBER]]

1. ALWAYS PRACTICE IN GROUPS ...CREATE A STUDY GROUP OF YOUR BEST FRIENDS OR GO TO ANY INSTITUTE AND JOIN AND DO GROUP STUDY AFTER YOUR CLASS HOURS

WHY GROUP STUDY BECAUSE IT HELPS IN SHARING THOUGHTS AND KNOWLEDGE

YOUR THINKING POWER WILL INCREASE..

I WILL EXPLAIN IN SEPARATE POST ADVANTAGES OF GROUP STUDY


SO GUYS KEEP CONCENTRATING MORE ON MY POSTS THIS IS BEST EXPERIENCED

MATERIAL WITH REAL LIFE EXAMPLES SO DON'T JUST  SEARCH LOT OF WEBSITES FOR

MATERIALS BECAUSE YOU CANNOT READ ALL STUFF AND IT LEADS TO MORE

CONFUSION. SO JUST IF YOU FOLLOW ONE BLOG JUST KEEP FOLLOWING THOSE

TECHNIQUES AND BELIEVE IN THAT EITHER MY BLOG OR SOME OTHER WEBSITE.

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IBPS CWE PO/CLERKS :HOW TO REDUCE NEGATIVE MARKING AND MANAGING TIME FOR MORE MARKS

HAPPY READING

HOW TO ACHIEVE MORE MARKS IN EXAM BY REDUCING NEGATIVE MARKING AND

HOW TO ACHIEVE SUCCESS BY GETTING MORE MARKS IN EXAMS.


NOT ONLY PREPARING HARD BUT SOME LITTLE COMMON SENSE APPLIED CAN

ALWAYS MAKES AND IMPROVES YOUR SCORE WELL.





IN THIS TOPIC I AM GOING TO DISCUSS ABOUT WHICH SECTION TO ATTEMPT FIRST

 AND WHICH SECTION TO ATTEMPT LAST.



IN IBPS CWE PO/MT  , CLERKS  AND MANY OTHER BANK EXAMS LIKE STATE BANK OF INDIA AND OTHER BANKS CONDUCTS THE EXAM IN SAME PATTERN

THEY HAVE FOUR SECTIONS IN COMMON

•  REASONING

• ARITHMATIC

• GENERAL AWARNESS(DO NOT CONFUSE BETWEEN GENERAL KNOWLEDGE AND WARNESS)

• ENGLISH

I AM GOING TO SAY HOW T PREPARE FOR EACH SUBJECT SEPARATELY IN DIFFERENT 

POST AS OF NOW WE PROCEED ON OUR TOPIC WHICH SECTION TO ATTEMPT FIRST

ALLOCATING TIME FOR EACH SUBJECT AS THERE IS SECTIONAL CUTOFF.

SEE OUT OF ALL THINK ONCE THE BEST POSSIBLE SECTIONS CAN BE ANSWERED IS

• GENERAL AWARENESS

WHY BECAUSE IT IS THE EASIEST THING  JUST BY SEEING QUESTION YOU CAN EASILY 

ANSWER OR TICK FOR THE OPTION SO TIME SAVING FACTOR HERE.

EASY IN THE SENSE TIME SAVING NOT EASY TO ANSWER .

2ND WE CAN COME ACROSS 

• ENGLISH

NOW LETS SEE ENGLISH IS ALSO AN EASY SUBJECT (NO MANY PEOPLE FEEL ITS NOT)

SEE EASY IN THE SENSE TIME FACTOR CONSIDER WE CAN ANSWER THEM IN VERY 

LESS TIME.

BUT MAIN THINGS TO CONSIDER IN ENGLISH IS CAN WE DO PASSAGE EASILY IN TIME

NO WE CANNOT SO IN ENGLISH WE NEED TO BE SELECTIVE .

DO SECTIONS LIKE 

• SENTENCE CORRECTION

• FILL IN THE BANKS

• GRAMMAR PART OR WHICH EVER YOU FEEL ITS EASY TO DO IN TIME

AND LEAVE ENGLISH AND COME TO MATHS SECTION.

SEE HERE YOU CAN SEE TIME MANAGEMENT , SPEED ACCURACY AND ALLOCATING

 TIME TO EACH SEPARATE TOPIC. AS THW

NOTE: FOR SOME PEOPLE ENGLISH IS REALLY TOUGH SO SOME 2 MONTHS 

PREPARATION IS ENOUGH FOR THEM.

THIS IS THE WAY I PREPARED FOR ENGLISH

FOR SUCH PEOPLE YOU CAN START WITH ENGLISH FIRST AT STARTING WE WILL BE WITH FULL FRESH MIND AND WE CAN THINK BETTER THAN LATTER.


SO IF YOU START FRESH WITH ENGLISH INSTEAD OF GK SECTION YOU CAN EASILY

GET PASS THROUGH THIS SECTION AND REMEMBER IF YOU SCORE HIGH MARKS IN

ENGLISH YOU WLL BE TOPPER IN EXAMS . HOW ?????  SEE FOR EVERYONE ENGLISH IS

A BIGGEST HURDLE SO REMAINING ALL SECTIONS AN ONE CAN DO THEIR BEST.


IF YOU BEST IN ENGLISH I AM SURE YOU WILL BE ACHIEVER.


SO THINK AND DECIDE YOURSELF WHILE SELECTING OR OPTING FOR BEST START


NEXT FINALLY WE CAN COME ACROSS TO OUR KEY DECIDING FACTORS

• MATHEMATICS 

YOU KNOW GUYS EVEN TENTH CLASS PERSON NOW  A DAYS CAN DO BETTER IN 

MATHEMATICS. SO MANY PEOPLE WILL TRY TO OVERCOME US IN THIS SECTION.

SO WE HAVE TO BE SO CAREFUL IN DOING THIS SECTION.

WE HAVE TO DO LOT OF PRACTICE IN THIS SECTION TO MAINTAIN ACCURACY

TO DO THINGS EFFECTIVELY OR WITHOUT MAKING MISTAKES.

SO FINALLY WHAT I WANNA SAY IS LOT OF PRACTICE PRACTICE PRACTICE...

BY THIS YOU ONLY CAN INVENT MORE SHORTCUTS .

LIKE FOR EXAMPLE :  75/100 ..IS WE GO ON CALCULATING DIVIDING MY 2 ..5...LIKE WISE

BUT AFTER PRACTICE YOU IMMEDIATELY WRITE 3/4 WHENEVER YOU SEE THAT..

THIS MIGHT BE SIMPLY THING BUT REMEMBER FRIENDS IT HELPS YOU A LOT.

THESE ALL ARE KEY FACTORS NO SIR OR WEBSITE CAN TEACH YOU THESE THINGS

IT CAN BE SAID ONLY THROUGH EXPERIENCE.

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INTRODUCING - THE BEST BANKING MATERIAL FOR IBPS

HI FRIENDS ,

HOPE YOU ENJOY MY IBPS CWE PO/MT BEST BLOG FOR BANKING JOB, HERE YOU CAN FIND SOME BEST
TUTORIALS WHICH MAKE USE OF VERY GOOD PRACTICE FOR UPCOMING BANK EXAMS AND ALL TYPE OF HANDWRITTEN MATERIALS





YOU KNOW BANK EXAM IS ONE OF THE BEST EASY EXAM , REALLY MANY OF YOU DON'T KNOW REGARDING THIS THEY KEEPS ON TRYING FOR WRITING EXAMS INSTEAD OF PREPARING .

AS WE ALL HUMANS HAVE ONE GREAT PSYCHOLOGY IN COMMON ,WE USUALLY DON'T BELIEVE THINGS UNLESS WE SEE WITH OUR NAKED EYE. SO WE JUST MAKE SOME TIME-PASS OR WASTE OUR IMPORTANT TIME IN INQUIRY AND HOW DO PEOPLE GET EASY JOBS WE TRY ON THINGS LIKE WHICH REALLY WONT HAPPEN OR ITS A RARE CASE WHERE MOST OF THEM BORN LUCKY WITH SOME GOOD FATE GET JOB WITHOUT PREPARATION

BUT ONE THING IN GETTING SOME GOOD JOB LIKE ANY JOB OR WHATEVER LIKE GOVT JOBS ITS NOT SO EASY YOU KNOW SO TO MAKE THINGS HAPPEN IN LIFE FIRST AND ONLY ONE THING I SAY IS ONE SHOULD HAVE SELF CONFIDENCE AND OF-COURSE MANY PEOPLE SAY LUCK SHOULD ALSO FAVOR BUT I SAY WHEN YOU KEEPS ON WORKING ON THINGS ..MAY BE NOT THIS DAY BUT ONE FINE DAY YOU WILL BE MOST HAPPIEST PERSON WITH UTMOST CONFIDENCE LEVEL WITH A JOB IN YOUR HAND.

REALLY FRIENDS I ALWAYS SAY BELIEVE IN YOU NOT WHAT OTHERS SAY AND USUALLY IN INDIA .. IN OUR TRADITIONAL OR SOME GOOD FAMILY PARENTS OR RELATIONS USUALLY ASK WHEN YOU GO TO PARTIES "WHAT ARE YOU DOING AFTER YOUR GRADUATION OR BSC " SO EVEN WE FEEL COME ACROSS CERTAIN CIRCUMSTANCES WHERE OUR PARENTS WILL POINT THEIR HANDS TOWARDS SOME ONE AND SAY "SEE THAT BOY ACHIEVED LIKE THIS BUT YOU ARE STILL ROAMING ON ROADS" IN ALL THESE SITUATIONS I FEEL ONLY ONE THING THAT "BELIEVE IN YOURSELF" ACTUALLY THESE ARE THE BEST CIRCUMSTANCES WHERE EVERYONE COME ACROSS ..THESE WORDS REALLY CAN HELP YOU TO THINK IN ABOUT CREATIVITY IN
YOU.

 ARGUE WITH YOUR FATHER SORRY ITS BEST TO SAY BET WITH YOUR FATHER OR RELATIVES THAT YOU ARE GOING TO ACHIEVE.BECAUSE I BET EGO TAKES THE MAN TO FAR PLACES EITHER FAR OR FAR BEYOND..


REMEMBER MY FRIENDS I AM THERE WITH YOU


I KNOW THE PAIN OF JOB .. I AM GOING TO HELP YOU IN ALL THE WAY TO GET BANK JOB.BECAUSE I TOO FACED ALL THESE CIRCUMSTANCES WHERE NO ONE WILL TEACH
YOU LIFE LIKE ME .. BECAUSE I TOO WORK FOR THE SOME FIELD..SO WE ARE ONE MAKE OUR INDIA EVEN BETTER.


COME JOIN HANDS LETS GROW TOGETHER ..WE FEEL UNITED MORE STRONG RATHER THAN SINGLE.http://ibps.in/

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DOS AND DO NOTS IN IBPS CWE PO/MT ,CLERKS,BANK EXAMS, BANK RECRUITMENT

HAPPY READING

HI FRIENDS...WARM WELCOME ONCE AGAIN.




THERE ARE MANY WAYS PEOPLE DO FOLLOW FOR CERTAIN EXAMS SOME WILL BE

SUCCESS IN THAT AND FOR SOME PEOPLE IT IS A STEPPING STONE FOR SUCCESS.

OK WHAT EVER IT MIGHT BE LETS COME TO THE POINT.



THINKING MIGHT BE  DIFFERENT IN APPROACHING THINGS BUT I USUALLY SAY..

ANALYZING THINKING AND PLANNING NO ONE GET SUCCESS ONE DAY.


OK LETS THINK ABOUT IT I HAVE USED WORDS LIKE ANALYZING PLANNING THINKING

ALTHOUGH ALL MAY SOUND SIMILAR BUT APPROACHING THEM IS DIFFERENT.


SO IN ANY COMPETITIVE EXAM IF WE WANT TO BE SUCCEEDED THEN WE SHOULD

HAVE SOME GROUND WORK.ONLY PEOPLE HAVING DREAMS ABOUT THEIR FUTURE

AND REALLY WHO ARE INTERESTED IN WORRYING ABOUT THEIR FUTURE WILL

DEFINITELY HAVE THESE QUALITIES AND I AM SURELY YOU WILL DEFINITELY WIN

WHEN TIME COMES. MANY PEOPLE HAVE HABIT OF THINKING GETTING JOB

BACKDOOR. EVEN I TOO TRIED FOR MANY JOBS BACKDOOR BUT REALLY NO ONE

 WILL DO FOR YOU. THEY WILL JUST TAKE MONEY AND YOU NEED TO ROTATE

AROUND HIM FOR YOUR JOB AND MONEY AND FINALLY IT BECOMES IN-VAIN.

THE MAIN THING IN ABOVE INCIDENT WILL DEFINITELY KILLS YOUR TIME AND

 MONEY WHICH YOU PAY HIM FOR NO INTEREST FOR YEARS AND YEARS.


SIMPLY BELIEVE IN YOURSELVES AND I AM SURE IF YOU CONCENTRATE AND BELIEVE

 IN ONE THING I DEFINITELY HELPS YOU ONE DAY ALL YOU NEED TO DO IS


POSITIVE MIND ATTITUDE:  DON'T THINK I CANT DO IT AND PEOPLE LIKE

INTELLIGENT ONLY CAN DO IT .. YOU JUST SEE ONE THING NO ONE IS INTELLIGENT

 ALL ARE EQUAL BUT THE WAY THEY APPROACH THINGS IS DIFFERENT SO BE

DIFFERENT AND DON'T BE NEGATIVE



SELF CONFIDENCE: I ALWAYS SAY BELIEVING IN YOURSELVES IS MOST ATTRIBUTE

TO  SUCCESS . YOU SHOULD ALWAYS THINK NO ONE IS BEST THAN ME REALLY IT

 GIVESYOU JOB BELIEVE ME FRIENDS I AM YOUR TRUE FRIEND FOR SUCCESS.


REAL LIFE EXAMPLE OF ME:


YOU KNOW GUYS I COMPLETED MY GRADUATION IN 2009 AND I HAVE SEARCHED IN

ALMOST 6 CITIES FOR MY JOB WITHOUT SLIPPERS AND PROPER FOOD .


I HAD FIGHT WITH MANY PEOPLE LIKE IN MY FAMILY MY UNCLE ALWAYS USE TO

DISCOURAGE ME BY SAYING YOU ARE WASTING TIME YOU ARE NOT GETTING JOB

AND ALL. ACTUALLY MY PROBLEM IS NO PROPER GUIDANCE FOR WHICH FIELD TO

 ENTER AND WHICH JOB TO CHOOSE. EVEN ITS A FACT IN INDIA MANY PEOPLE JUST

JOIN GRADUATION WITHOUT THINKING ABOUT THEIR INTERESTS JUST WE ALL FOLLOW

 ANTS..AS EACH ANT FOLLOWS ONE MORE THAT'S IT. THIS IS NOT LIFE FRIENDS

REALLY I HAVE FACED MANY CIRCUMSTANCES AND I WANT TO GUIDE YOU ALL

PEOPLE. AFTER SEVERAL HURDLES BY MY FAMILY MEMBERS RELATIVES I  I BET THEM

 THAT I WILL GET A JOB IN 3 MONTHS . I DON'T KNOW WHAT HAPPENED AFTER

CHOOSING MY CAREER IN BANKING I STOOD UP READING DAY AND NIGHT.

YOU KNOW GUYS I DIDN'T HAVE SLEEP FOR ALMOST 20 DAYS BEFORE MY EXAM.

NOW I AM ENJOYING MY FINANCIAL STATUS AND RESPECT FROM PEOPLE.


HOW ABOUT YOU JOIN ME I WILL TAKE YOU TO GREAT HEIGHTS.



LETS DO IT TOGETHER FRIENDS

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